Showing posts with label budget. Show all posts
Showing posts with label budget. Show all posts

Friday, March 18, 2016

Saturday Fun & a Catch Up

The dog photos in this post were meant for Saturday and Eileen's Saturday's Critters.  Somehow I saved the post to draft rather than as a "Scheduled" post so I'm sharing them a bit late.





I enjoyed watching this dog try to get in on the throw ball action between the two friends.



We've continued to have a fair bit of rain since the weekend but life goes on.

On Friday night I attended a new to me restaurant in town called "Nuba's", a Lebanese restaurant. The food is fantastic and I can see why there was a line up out the door that night. There are actually 3 restaurants by this name in town and I went to the one on Hastings and Carrell.  The group ordered sharing plates filled with tabbouleh salad, humous, baba ganoush, olives, houlami cheese and shredded beets as well as plates of pita bread. Then we ordered side dishes of chicken, lamb etc. All of the food was delicious but my favourite one is called "Najib's Special".  It is a deep fried cauliflower dish with a wonderful array of spices. Yum!

Photo Credit: Ashley from Yelp.  This is Najib's Special

Friday's gathering was a group of men and women saying "farewell" to a a member of the group. It was my first time meeting some of them.  They not only were a beautifully dressed group of people but a very diverse and interesting social set who immediately made me feel at ease.  Sadly two of the women I spoke with that night are leaving the city shortly. It seems that their work prospects did not pan out as hoped and they are moving on.  This city is a very expensive place to live and one can only sustain a life here if there is enough money to pay the bills and have some recreational money.  I know that is true in many places but this city is known for having a very high cost of housing, both rentals and purchases.  That is what makes the difference.

Since last week was such a busy week, I took Sunday to recuperate as well as catch up on house work and chores. There was and is still a lot to do on the home front.  One of the tasks I did was to sort through a lot of packaging from parcels received over the last few months.  In February I ordered some colouring books and some pencil crayons as well as felt markers.  Some of these are gifts and some are for me to colour and relax. It seems to be all the rage at the moment. I've seen these types of colouring books at my local pharmacy and also at the craft store. I've ordered 3 colouring books so far. One for me, one for my niece (for Christmas or Birthday) and another so I can send pages to my sponsored boys in Africa.

I spent Monday tutoring my friend in Mathematics. Right now we are doing a lot of work on multiplication, division, addition and subtraction. I've also touched a bit on fractions and decimals. Today though I walked my friend through a very practical lesson, that is drafting a monthly income and expense sheet.

For the past two years or so I've been constantly encouraging him to do certain things like pay himself first (investment into Registered Retirement Savings Plan), start a savings account, arrange overdraft protection for his Chequing Account, file annual taxes on time and watch his spending on the little things. He has done most of these things but not all of them.

Today's exercise opened his eyes to how much he was frittering away on coffee and snacks each month and how much his impulse purchases and recreational activities were costing him on a monthly basis. It also taught him that he is spending far too much on groceries each month for one person and that he can afford to cut back there and increase his budgetted amount for certain other expenses. I think it also opened his mind to the idea that if he spends carefully and saves every month he could actually take a vacation rather than believe he can't afford it.
I sent him home with homework to determine if all the line items were correct as one must have a real handle on one's spending each month before one can determine real income and expense amounts. I know many people recommend recording expenses every day for a period of time but I didn't ask him to do this because he is a very busy person and that would just never get done. Once we are done basic mathematical operations we will continue on to learn about basic geometry and algebra.

The other project we did today was to identify monthly savings requirements for variable expenses that may only occur once or a few times in a year rather than every month.
It was an opportunity for him to realize that he has been overpaying his medical premiums and he now needs to contact the provincial government and get this sorted out. He also needs to contact the Canada Revenue Agency to ascertain some other information related to deductions.  I could do this for him but I want him to do it himself. After all it is his money and he should have the responsibility of looking for the information even if he is very busy.

It took us a few hours to go through the exercise even though I kept him on track rather than get into side discussions about each aspect of the monthly expenses.

After our discussion he promptly went to the local supermarket to buy food so that he wouldn't have to buy meals tomorrow for breakfast and dinner.
~~~
I went to a different supermarket (my local supermarket) on Saturday and discovered there is next to nothing remaining to buy in the store. I was hoping to pick up some meat and produce. I couldn't even buy bananas.
Whatever I did buy was 40% off but I noticed that first the store increased the "regular" price before they started the sales so in the end you were paying almost the original regular price. You really have to know your prices before you buy things these days.

As I mentioned in a post a few days ago I was looking for a new glucometer.  I met with my pharmacist on Saturday to look at some of the options and decided on the One Touch Verio Flex. Boy I really wish I would have had something like this a few years ago to better track everything without having to log it all into a chart by hand or manually.


 Just in case any of you are looking for one here is an image (albeit blurry). The coloured panel tell you when you have low blood sugar, normal blood sugar or high blood sugar. If you turn on the Blue Tooth option and download an app to your phone it will record all the results and chart them for you. You can also add notes about food and exercise though I'm still working on how best to note the foods. I am only 2 days into setting it all up but so far so good. It needs enough data (at least 2 weeks) before the charting of results can be more useful to you. Over time I think this will be a very useful tool.

Weather today was pouring rain. I didn't check the weather report for Tuesday yet but I do have some errands.
If the weather cooperates I might go downtown to see a foreign film. It is only playing one time on one day so it is either see it now or see it never, lol.

A photo from my archives. So far I haven't had much time to take photos of tree blossoms  this Spring.

Thank you for stopping by.
Joining in with Our World Tuesday today.
I hope you all have a fabulous week ahead

Tuesday, March 15, 2016

This n That

From my archives


Hi friends,

I hope you are all doing well and enjoying the transition to new season where ever you are in the world. I know my friends in South Africa are enjoying the warmer temperatures and green grasses after experiencing a time of drought.

In my corner of the world we've been having an amazingly wet week. I don't carry an umbrella any more because I usually have a shopping cart when I go out and do my errands. If I don't have a shopping cart with me, my hands are otherwise occupied with walking poles to help mobility. It means I don't have an extra hand for an umbrella. I compensate by wearing a rain hat.  Sometimes I just go out and get wet and take breaks when the rain is coming down too hard. Or, I wear a jacket with a hood. The temperature outside dictates what I wear.

Things have been rather hectic in my world at the moment.  I continue to read when I can. I do enjoy it so much but find I really don't sit and read for hours and hours or it happens very rarely so I must grab the moments where I can.   Right now I've got so many books on the go, including:

Novels:

  •  The Valley of Amazement by Amy Tan - In progress and enjoying.
  •  Americanah by Chimanandah Ngozi Adichie - In progress and enjoying
  • Ghana Must Go by Taiye Selasi - This book started the way I like my books to start. Very dramatically.  I'm enjoying it so far. 

Non-Fiction:

  • Apartment Gardening by Amy Pennington. Enjoyed this easy to read gardening book. It is inspirational for those who have never gardened. It doesn't quite meet my needs for my urban patio but I enjoyed it anyway.
  • Living with Less: How to downsize to 100 personal possessions by Mary Lambert. I enjoyed this easy to read book as well. The reality is I will never whittle down my personal possessions to the small number of 100 because it includes clothes, accessories, shoes and all personal items. But it is still motivating to read about and consider what your things mean to you and how to approach downsizing each room or area of "stuff". I've been on a quest to down size now for awhile now.  I've found that downsizing is a journey unto itself  and can take forever if you are not moving toward a  firm deadline of moving.  But I press on as some of what I'm organizing is stuff I really want to get rid of (books, papers, documents, photos, etc.). The other stuff like clothing, personal products, etc. are all much easier for me to pare down. The real problem is not buying more stuff. I know I am not the only one who has that problem. Some of us really get tempted by a deal but I'm trying to learn not to buy something just to have it but to really need it. That is the only way to downsize. Also, one must be ruthless about getting rid of 1-2 things for every new thing you bring inside. That rule doesn't quite suit me because I'm usually too buy to do that on the spot. I end up doing this way after the fact. Perhaps some of you can relate.
  • How to Get Dressed by Alison Freer. Started and enjoying. 
  • Inside the Revolution by Joel C. Rosenberg I haven't started this book yet. The description on the cover says "How the Followers of Jihad, Jefferson and Jesus are Battling to Dominate the Middle East and Transform the World" (Why so many capital letters???) I am not familiar with this author but have heard good things about his books so thought I would try one out. There is a documentary based on this book if you are interested.  Click here to view the trailer.
  • Indigo, Dye It, Make It by Nicola Gouldsmith. I skimmed through this book but intend to have a good read of it. I have a love affair with indigo and I know where to buy the supplies in my city to make some. I have no firm plans to make any soon though.  I just have too many other projects that I need to tackle first whenever I have a few spare moments.

  • Countless books (okay 6 but it seems like countless) on basic math and algebra. I've scoured the library catalogue for appropriate books and exercises to tutor an adult who has never been through formalized education. He has to begin apprenticeship training in the Fall and wants a head start in Mathematics to ensure his success.

In addition to scouring library catalogs, making trips to the library and reading, I've been busy with doctor appointments and pharmacy visits. I'm looking for a new glucometer as I've been having problems with the one I currently own. It is too sensitive I guess and keeps giving me error messages that relate to the test strips. I'm sure the real problem is me but I don't feel like fiddling with it and will find something that suits my needs a bit better.

I have an appointment on Saturday with the pharmacist to go over several options.  I'm eyeing one that will not only track blood sugar but download results to my computer (rather than a phone app) and chart my progress. I like visual tools.  I also see there is one that keeps track of patterns (highs and lows of blood sugars throughout the day) and that one is appealing also and I think it would really help me a lot.  I've been keeping exceptionally busy on the diabetes management front and have been having some concerns but nothing I want to write about here. Suffice to say I have a lot of work to do and changes to the medication regime. Just when I think I'm on the right track and might possibly get off medications altogether, I seem to regress. It's always a challenge but one must keep on trucking and stay positive.

This is one option



Earlier in this post, I mentioned that I've been looking at books to help someone with Math skills. This has been a rather time consuming exercise and taken far more time than I really wanted to devote to it.  But once I get started, I carry on and get the job done.  My friend isn't in school at the moment and hasn't had much formal education.  But he is smart and motivated and has learned a lot through practical experience in numbers.  He relies on a calculating things in his head a lot which is a great skill.  We don't have a curriculum to follow and I don't know exactly what his knowledge base is but I have some broad idea what his future course will require of him.  It has taken me awhile to try and figure out how to proceed since I don't have a firm starting point.  There are many options on where to start and some of what I need to teach I will have to relearn so it will be a good project for me too.

I've scoured the internet for free materials too and purchased a lot of aids (dry erase board, cards, etc.). We had our first session last night and it went well. Part way through he said he was having fun and admitted that he hadn't really been looking forward to it because not only was he tired but he had to rush from work to shower and eat and he was racing to beat the clock.  I could relate to that because I'd spent countless hours in preparations myself not to mention time looking for appropriate materials and time shopping near and far for helpful aids at a cost effective price.  So it was nice to hear my friend say he was having fun and had gotten over his fatigue.  I seem to have hit on the right things to cover because afterward I had a good sense of what he can already do and where he needs help. It is a good starting point.  We hope to meet twice a week though this may change along the way.



My week is already busy as I've got errands today (Tuesday), tutoring (Wednesday), Ballet (Thursday), a Farewell Dinner (Friday) and a medical appointment (Saturday).

In between I have fabric shopping (more slips for mom), household shopping, library visits and all the usual things one does to try and keep a household clean.  My local supermarket will be closing for good in one and a half weeks.  When it reopens after a month it will be an entirely new store (new name, new design, new owners, new company, new products).  I can buy fruit and vegetables at one or two other local shops but I purchase most meat from the supermarket. In a real pinch I can also get meat at the meat market about 15 blocks from my home or go to another supermarket located a bit farther.

This week I took the plunge and purchased a new kitchen cookware set of stainless steel.  For years I've had nothing but a hodge podge of kitchen cookware. In fact I still have things I purchased when I was a university student though I purged a lot of it over the years and added other pieces along the way.  I purchased 2 frying pans (by Chef Curtis Stone) about 6-8 months ago for a hefty (to me) sum.  The plan was they were to last me a lifetime. Prior to that I was contemplating getting a traditional stainless steel set of cookware or an enamel set.  These new fry pans are dream to cook in but they are not going to last anywhere near a lifetime.

I've noticed that the coating in the pans darkens if the heat if any higher than a low medium. Also the coating on one frying pan looks like it has been shredded with a knife.  It's a huge disappointment because when I purchased the pans I was excited because one didn't need to use oil in the pans and they were not Teflon coated. I listened to the sales pitch which said you don't have to worry about what kind of utensils you use because the coating will not wear (unlike Teflon). That did not prove to be true and already one pan is quite marked up on the bottom surface. I looked up the problem on line and discovered that many other customers are experiencing the same issues or worse and that they have been unable to get the company to honour the warranty.

I'm sure the new set will work out better just because it is traditional stainless steel 18/20 cookware and there is a long history with how it responds to longer term use.  It was also a great price reduced from $600 (before taxes) to $200 (before taxes). It seems to be a good quality set from Chef Wolfgang Puck.  However, I would never purchase another expensive appliance (or anything needing replacement parts) from Chef Wolfgang Puck. The reason is that  I've discovered there is no customer service when problems arise and the customer is just ignored even after repeated attempts at trying to get assistance.  But as far as traditional stainless steel cookware sets go,  I can't imagine there will be any major problems.Not one piece of the set has any kind of coating inside and I like that.  It is all stainless steel and the covers are either partially glass or all glass  so you can see inside the pans when they are covered. I'd even be happy with a smaller cookware set (this one is 13 pieces) but they usually come with far more pieces.  I've been looking at stainless steel cookware for a long time so I know the prices and configurations.  I'm pretty happy with my selection and am just waiting for it to arrive in the post.




Finally, I also purchased this cute little rice cooker. It is a small, portable ricer cooker.  Again it is from Chef Wolfgang Puck and though it is an appliance it isn't a very expensive one.  Rice cookers usually last for some time too.  I already have a small rice cooker at home.  It was used when I bought it is on it's last legs so time for a replacement. I thought this new little cooker can go with me when I travel to see mom.
You might wonder why I would take a rice cooker with me? On my last visit to see mom there was a small fridge and microwave in the standard hotel room.  If I had this little cooker with me I could have made an egg dish for breakfast and soup for dinner without getting overly complicated or needing a whole lot of groceries and tools with me.  I get so tired of eating out and eating fast food when I travel. It isn't good for my health.  This little unit is a perfect size for small portions of food.  If I made soup, mom could have some too. She misses that kind of cooking and so we would both get a benefit. At the same time it is the right size to make a small side dish at home of quinoa, brown rice or other. One can even make meat balls, pasta, rice pudding or cake and so on in the little cooker.

Well that is it for now folks. I have to get out and do an errand since I will be busy tomorrow. Enjoy the rest of your week and thank you for stopping by. I leave you with a few waterfront scenes taken in early February 2016.


 

It was a perfect day on the waterfront. Sunny and quite warm. It's been colder since then but the weather will soon change.

Checking in with Our World Tuesday this week.

Tuesday, May 4, 2010

The End of an Era, The Beginning of a New One

Tuesday, May 4th at approximately 11: a.m. the BC Place Stadium dome was purposely collapsed. Over the next 3 weeks it will be methodically removed from the roof top and sent to recycling.

Just over a week ago I showed you a photo of the dome on  my walk to Granville Island. (Click the underlined words if you want to read about the walk). Here it is again. It is the white roofed building nestled between the high rises.   BC Place recently had prominence as being the venue for the Winter Olympics 2010 Opening and Closing Ceremonies and over the years it has hosted many spectacular events in the City.


This is what the dome looked like after collapse.

Photo Credit: Nick Procaylo, PNG

I hadn't even realized that the roof was going down today. It was a bittersweet moment. The original dome was built in 1983 at a cost of $126 Million.

The dome will be replaced with an expensive retractable roof. While I am all in favour of making upgrades, it is a rather expensive proposition coming directly on the heels of huge expenditures for the Winter Olympics. The retractable roof alone is expected to cost in the neighbourhood of $475 Million, though I've also read estimates of $458 Million. The new retractable roof is expected to be the world's largest retractable roof for a domed stadium and it's anticipated completion is sometime next year.

After spending $5000. on my portion of my condominium building's roof replacement, I am not feeling up to spending my portion of $475 Million that will need to be paid from taxes.

Is there any large tax funded project where you live that you had to pay for whether you supported it or not?

It Was a Spectacular Day! ~ Skywatch

Hello friends and fellow bloggers, It was a spectacular, sunny day where I live. It's still rather chilly from my point of view but the ...