Summary of What's Keeping me Busy & Why I Haven't Been on Line Much

I started projects way back in August 2022 and kept a record then (see the link) for my own interest and review.  I don't actually enjoy doing many of these projects and I don't go about it very methodically.  It often takes me many weeks, even months to do a small project.  It's taking me forever to do all the little jobs I have on my list. I find that it takes much longer in a smaller home to do the work because there is no where to put anything when you are trying to do a project and you constantly have to move and remove things.  It can be quite a challenge at times and also physically tiring because a lot of the items are heavy.  There were also many weeks where I was very tired, or in pain, or both, due to several long term health issues.  

But at long last I'm starting to see and feel, the positive results of the changes I've been making and I'm happy with them.  I still have a ways to go before I'm finished.  There are projects in several rooms: living room (put up curtain rods), dining room (install the light fixture), main bathroom (do something about the toilet). I've decluttered a lot and I've got lots of items in bags which need to be dropped off at a charity.  I'm collecting as much as possible so it can be dropped off at one time rather than here and there.  I also still have a lot of paper to shred though it's mostly sorted and put in different piles. These are the main outstanding jobs. I have other job ideas in my August 2022 list but they could be considered 'nice to complete' rather than strictly necessary.

I plan to look into getting the master bathroom tub replaced with a walk in shower once I've completed the above items.  The tub replacement would have to be done by the professionals.  I also plan to undertake 2 reupholstery projects myself.  It will be my first time doing this type of work and I've studied one of the jobs on Youtube before deciding to tackle it.  The other job I can figure out myself and I've starting collecting what I need for it. 

Here is a list of projects I've completed so far in 2023.

DIYs & Household Improvements 

• Painted kitchen backsplash (May 2023)
• Installed 2 shelves in kitchen (May 2023)
• Cleaned and reorganized under kitchen sink, food cabinet & standing shelf unit where dried goods are stored (April, May & June 2023)
• Cleaned tile grout in kitchen and both bathrooms (June 2023)
• Repaired and painted walls and cabinets in 2 bathrooms (April/May/June 2023)
• New shower curtain in master bathroom (May 2023)
• Installed new cabinet knobs in master bathroom (June 2023)
• Replaced toilet fill valve and flapper in master bathroom (May 2023)
• Replaced towels in master bathroom (May 2023)
• Replaced shower curtain liners in both bathrooms (April & July 2023)
• Replaced laundry baskets in master bathroom (July 2023)
• Installed towel shelf in master bathroom (July 2023)
• Replaced door knob in master bedroom (June 2023) still need to replace 2nd bedroom knob
• Installed new wall sconces in living room (March 2023) and master bedroom (April 2023)
• New floor lamp for living room (July 2023)
• Decluttered hundreds of small items (Jan - ongoing)
• Decluttered hundreds of papers (Jan - ongoing)
• Decluttered most of the cracked pots and other items from patio
• Replaced wall clocks in dining room (February 2023) and master bedroom (January 2023)
• Decluttered dozens of items from patio and garden (May - ongoing)

Other

• Lots of paperwork relating to income taxes, property taxes, city government forms completion requirements, retirement requirements, banking etc.
• Lots of medical tests, management of blood glucose, sleep & body work (physio, massage, reflexology, exercise), dental crowns and cleanings
• Participated in several webinars relating to health and exercise

When I get tired of projects I read, watch a good movie, get together with a friend or make something.

Once my 'to do's are nearing completion I hope to spend more time on creative things. 

Some of the makes & alterations this year include:

• Crocheted a blanket (February 2023)
• Crocheted a Pineapple doily (June 2023)
• Sewed a summer top out of double gauze cotton (July 2023). I'm hoping to make another one in white soon along with pull on trousers or a dress.
• Sewed a navy light knit summer top (July 2023)
• Shortened a wide leg pair of trousers  I bought in 2022 (July 2023)
• Sewed pillowcases with Star Wars theme for my niece (July 2023)
• Hemmed various trousers (July 2023).  I've got lots more to do, mostly trousers requiring hemming and other items requiring small repairs.

Read 36 books or 13,158 pages (Jan - July 2023). The goal is 50 books or 20,000 pages, whichever comes first.

Planted small community plot (DH does the weekly watering) (April 2023)

This post summarizes my projects so I can look back later and see what I've done and when I did them. It also serves to show why I haven't been on line very much. 

I'm sorry I haven't had the time or energy to keep up with blogs but now and then I try to read your posts.  I don't seem to be able to do my work and blog at the same time.  The projects weigh me down and interfere with other plans. If I go ahead with other plans, the projects don't get done. 

I think once I've cleared away the 'stuff' and finished a few of the next projects, I'll feel a sense of 'freedom' and a weight lifted off my shoulders. There are lots of things I want to do besides decluttering, reorganizing and DIYs and I'm looking forward to the day....hopefully sooner rather than later if my energy holds.  

If you have time, I'd love to hear how you cope with DIYs and projects and whether you too find they interfere with your social media activities, and blogging in particular.

After the Pain

Hello everyone,

Since my last post I have suffered a lot of pain. After taking so many painkillers I decided to call the dental office and let them know I needed to get in sooner than my scheduled appointment. I had been on wait list but had not received a call. A few people commented on my last post that their dental offices have space for emergencies. I guess I didn't consider my situation an emergency because I didn't realize that the tooth giving me a problem still had roots.

Long story short, I did go in a few days earlier to the dentist and it was discovered that I had an abscess which needed to be cleaned out right away. Since then I only had a bit of pain after the freezing came out. I've now got antibiotics and pain killers to use as needed. I return Monday for the work to be completed. I'm not sure yet about other work as there is another major piece of work that needs doing under a bridge which now needs to come out and hopefully redone. When I saw the dentist a few months ago he thought he could work around it so I'm not sure why he says something different now. Maybe the x-rays tell the story but the affected tooth has no roots. So I'll wait and see. The main priority was getting rid of the tooth pain and is more or less gone. Thank goodness!

~~~~~

These sky photos were taken around 5 a.m. from my patio

Sunrise June 9, 2019

Sunrise June 9, 2019

Sunrise June 9, 2019

These plants are all from my patio garden

Geranium in a pot.

Catmint (not cat nip)

Remember the pansies were almost dead before I potted them but they are doing very well now.

Pink petunias

Basil

I've been taking a 1 mile walk each day in my neighbourhood (running errands, going to appointments and to the community garden plot), I spend 10 minutes a day, sometimes 20 minutes on the whole body vibration (WBV) machine, I take supplements for arthritis and try to eat more greens.  The knee pain has greatly reduced but is still there in the background if you will. I will continue with my regimes and next time I see the doctor I will ask for a referral to the arthritis specialist to discuss what my options are.  There can be quite a long wait for knee replacements where I live but they assess each person to see whether you should go on a priority list.

On my last post Yoko commented that I must strengthen the thigh muscles to help the knee pain. I remember when I was getting physiotherapy for the knee I was given some exercises to strengthen the muscles around the knee so I will start doing those again. The WBV machine also increases muscle mass in my legs so that helps.   The knee pain returns when I haven't been using WBV. There have actually been studies showing that WBV is good for arthritis sufferers (if you get the right kind of WBV machine) and I did experience great relief for several years after first being afflicted by arthritis many years ago.  My situation was much worse back then and I was eventually able to walk pain free after a lot of rehabilitation (as described above) and supplements.

I continue to keep very busy with the missions in Kenya. Right now I'm trying to help Eunice and her family who are dealing with life and death issues and the heavy financial burden.  Some of you may remember that Eunice  suffers from a blood issue. Either the blood is clotting and causing sudden hospitalization or she needs a lot of blood transfusions. I fear that she cannot go on much longer as she has already been through so much but God only knows for sure.

The main source of need is to pay for blood at a cost of 3000 Kenyan shillings per pint ($40 Canadian/$30 American) and she needs blood every other day. It gets expensive.  Her family has been getting relatives to travel in from several hours away to donate blood to try and reduce the costs but even this is a hardship because most of them are very poverty stricken and its hardship to spend on the transport and try and eat a bit on the journey to hospital and back. Kindly keep this woman and her family in prayer as the hospital she has been in for some time is several hours away from her home. The specialized kind of care she needs isn't available where she lives.

Ernest Ruto has gone home from hospital but there is still an outstanding balance of about $180 Canadian owing to the Kericho District Hospital. It's important to clear the bill not only because the money is owed but because it is the least expensive hospital option in Kericho Town and if the bill is not paid Ernest will have a hard time to get future medical assistance. I thank God for those who helped get this man home to recover. He is far happier to be recovering at home. Another benefit is that the hospital bill is not increasing since Ernest is no longer occupying a bed.

About a month or so ago I finished the last crochet blanket I was working on. I let it sit around for weeks as I just couldn't seem to get to tieing off the ends and taking a photo.

Finally I put all the loose threads to the back so I could take a photo of the blanket. I spread it out on the grass at the park because it is too large to get a good photo at home.  It is a twin size blanket so I also can't get a good photo of it on the sofa or on a larger bed.  Since I took the photo I have finally woven in and tied up all the loose ends at the back. I just need to prepare the blanket for mailing to my aunt so she can take it to my uncle.  I do hope it won't go missing at the care home where he lives as I've learned that things often get stolen in care homes.  That reminds me that I need to put a name label on the blanket before I mail it. It might help a bit.

I had the service man from the telecommunications company here to upgrade the modem and digital and PVR boxes. The equipment I had was first generation stuff from about 10 years ago and it really needed to be upgraded. What a difference it has made too. I no longer have such long delays and pauses when I use the remote controls. I also now only have to use one remote control rather than 2 and the speed of everything is much better even though I'm still on relatively low internet speed.  I've been waiting for years to get the fastest internet speed and it has been available now for awhile. But sadly the strata council and the telecommunications representative had an issue which led to a stand off and the end result is we cannot get the high speed internet right now.   So the upgrades are a God send and really correct the main issues I've been having. The service man will return in a few weeks to do one more thing which will allow me to have more streaming capability in the apartment. When you have guests or roommates it is much better to have more than 2 streams at a time to use for HD television (2 for watching in different rooms and one for recording). I am probably not explaining things properly but some of you may know what I'm trying to say, lol.

Other that that I've finally got things handled with the new financial advisor and I've made a few financial decision which I had put off for some time while I deliberated about finding a new advisor. I'm pleased with the progress I've made and will be doing more analysis and tweaking over the coming months.  I asked my new advisor if there were any incentives available for making the switch and I was given a choice of gift cards in the amount of $100. It was a bit disappointing since they give $300 for new bank accounts but I am still happy to have something. If I didn't ask I wouldn't get.  I chose a gift card for movies as that is one thing I like to attend throughout the year but I don't like paying today's prices.

Weather here has been very hot. It is usually me complaining about the heat but as I walk down the street my neighbours and some times complete strangers complain to me about the heat. Usually people just love hot weather but it seems this year those that don't are a bit more vocal. I am sure we are off to another dry summer and I just hope we get a few good rainfalls here and there. In May we only had 30.5 mm of rain which is just barely over 1 inch and well below the norm.

Every day or every other day I water my small balcony garden and go to the community plot to water that too. The community plot I have has a mish mash of plants because there are things coming up that were planted by the previous tenant.  I don't want to pull anything out until I can see what is growing. My lettuce, sunflowers and beans seem to be doing well. I didn't have poles for the beans when I planted so now need to get some up pronto so I purchased some 5 foot high bamboo poles. I didn't have time to go searching for alternatives and just bought these in a package of 25 at a store in my neighbourhood.  In future I hope to have some good enough photos to share of the little plot.

Joining Skywatch Friday

Thanks for reading. I hope you will come again.

This and That

In my last post I mentioned the long delay in planting my garden due to inclement weather. While I was waiting to plant  I've been catching up on other things like reading.

Here is a photo display of the books I've read so far. I've mentioned before that I have a modest goal of 20 books but with current books I'm reading I will soon surpass the goal.  Once I achieve it I don't have ambitious plans to set a higher goal. Instead I'll spend time doing other things like arts & crafts, sewing, gardening, decluttering and simply enjoying life as much as possible this summer. It seems there is never enough time to do everything but stopping to enjoy life is very important especially enjoying time with family and friends while you can.

I'm in the process of building a new life as it's been 2 years since my late mom passed, 1 year since my sister in law passed, 1 year since a dear old friend passed, almost 1 year since we lost Grandma Sally and 2 months since a young cousin passed.  The last while has been a time of many losses.  Though I do believe I will see all of them again one day it has still taken it's toll on me. I miss them and the losses leave a void in my life.  I've had to try and rebuild my life without them, with some it is a bit easier to do than others simply because of distance or time spent with them but they were all a big part of my life and now they are are no longer here.

I've kept super busy over these past two years trying to move forward and clear out a lot of things that are no longer needed.   I've also spent time trying to catch up to my own personal needs and business.  Some of that will continue.

A while back I mentioned I wanted to change financial advisors. In serendipitous timing my current advisor called me late last week to let me know he is moving on to a different company. It will cost me money if I follow him to wherever he is going.  Though he is willing to split the cost with me I think the time has come to move on though I'm still mulling it over.

This week I met with a possible new advisor.  We had a good first meeting but I'm still exploring options, pros and cons and so on. In my next meeting with the new advisor I will see what he has to say about my current investments and what he might recommend. I also want to learn more about him personally. I don't know about you but when you see a financial advisor you basically lay your whole life bare because your whole life is tied up in your finances, your spending, future spending, income, investments, retirement, wills and so on. So I think it's only fair that you learn something about them personally.  Also, there are many people out there who call themselves financial advisors or planners but they have no real credentials or experience. Canada is thinking of regulating this area (you would think this would have happened before now). It pays to do your homework.

If any of you have experience of changing financial planners and/or investment advisors please let me know in the comment section how you went about it and whether you were satisfied with the outcome.

I've also been trying to carve out more time for personal prayer and study. I'm currently participating in a forty day (40) prayer and Bible study.  This is a huge commitment because it adds hours a day to my already busy schedule.  I have 18 days left in the commitment. Once it is done, I'm hoping to be able to establish the right balance and daily and weekly routines. At least I'll try.

But right now I'm enjoying this intensive time of prayer, Bible study and fasting (from meat and poultry).  As you can imagine, something has to give in the schedule so it means I'm spending less time chatting with friends abroad as well as less time blogging and on entertainment activities.

To be honest, I'm also feeling quite tired. On top of that my knees have gradually begun to bother me again to the point where they are almost constantly in pain.  I've been needing to take pain relief nightly which I've never done before.  I'm not certain how much fatigue is health related, pain related, or even related to the fast and change of diet (I've increased my supplementation with Omega 3, broad based vitamins and turmeric or perhaps more accurately I've started being more consistent in taking them).  Thankfully I haven't really been craving meat or fowl that much but I'm not used to going long periods without meat protein and I'm finding I just don't feel good so I'm trying to go easy on myself.  Today I managed to make a more nutritious and filling meal (vegetarian curry  made with onions, carrots, potatoes, spinach and peas over rice). It was nice and of course there will be left overs which is always helpful.

Finally, I was pleased to get the community garden plot in yesterday. I was so happy and blessed to have the help of the young woman who has the garden plot right next to mine. My knees were so bad and though I didn't share that with her she just pitched right in and volunteered to turn my soil, recommended where to plant my various seeds for best results and dug out a huge rosemary bush which I asked if she wanted.  She was very happy to accept the rosemary bush as she said she had been admiring it for awhile.

Night descends on the community garden at a small, well used park near my home.

Now I just have to make sure to visit the plot often enough to keep it well watered.  The young lady offered to water the plot today because she was visiting her plot anyway.  I will make sure I get over there tomorrow since I still want to plant a few carrots and some kale. I need to buy the seeds tomorrow.  One thing I'd like to learn more about before next year is companion planting. I don't tend to plan my garden too much because I usually use starter plants.  I have to go with whatever plants are available when I shop in the stores.  Often they don't have what I want. With the veggie garden I'm mainly using seeds.  It provides more options and ability to do some companion planting.

~~~~~~~~~~

~~~~~~~~~~~~

Frugal Notes

I have three precious things which I hold fast and prize. The first is gentleness; the second is frugality; the third is humility, which keeps me from putting myself before others. Be gentle and you can be bold; be frugal and you can be liberal; avoid putting yourself before others and you can become a leader among men.
~ Lao Tzu

It has been a very long time since I made a post about what I've been doing to save money lately. The last post in August, was about curbing my impulse buying and doing without. If you'd like to read it, you can find it here. Curbing impulse spending is one of the best ways to save money and ensure you don't rack up more credit. I know this isn't always possible and some of us are more disciplined than others. I am an impulse buyer and if someone in my family needs something, it is always my first instinct to try and provide it. I still try to do that but now I carefully consider the purchases and timing of them.  I also have an instinct to purchase something when I know it is a really good deal.  These days I still do that but only after I've considered all the angles.

In my August post I had a list of "to dos" that could provide me with some cash. I've managed to follow up on all of them but one. I hope to do that soon. The last one is a receipt for health insurance which I forgot to submit over the summer months. I have to hunt around for my receipt as well as two items of paperwork that need to be submitted. I do have the paperwork but the receipt isn't in the obvious place. I have one more  place to look.

Other ways I've saved money this summer:

• Reduce:  Rather than purchase books I borrowed 7 from the library this past month.  I don't purchase books very often these days but  when I do I try to get them used on Amazon or for very cheap at the thrift store. I then give a lot of them away through Freecycle when I've finished reading them. I only keep the odd one that I might want to re-read because I already have so many books and don't need to add more to my shelves.  This summer I purchased one book off of Amazon for the cost of shipping. The price was for a used book and the cost for shipping was a dollar more than it would have cost me to take a return city bus trip to go and buy the book in person.  In fact, it would probably cost me more on a bus because first I'd have to try to find the  book somewhere.  Through Amazon, I didn't have to leave the house so I not only saved money but time.
• Reuse:  I made two bib type garments with pockets for my mother. The bibs are not for clothing protectors when eating but are made with pockets so she can carry her telephone and wallet as she travels around in her wheelchair. I used fabric I had inherited from her for one of the bibs. I had gotten rid of a lot of her fabric that I knew I wouldn't use and saved some I thought I could use within a reasonable period of time.  It has come in handy despite not really having a place to store it all. I also had a worn out sofa slip cover that I took apart about 2 years ago.  It still had a lot of reusable fabric and I used it for the 2nd bib.
• Recycle:  I put together some kitchen items and books for recycling.  There are always locals who are ready to pick up almost any kitchen, reading and bathroom item.
• Watch the flyers:  I purchased lots of toilet paper and paper towels for less than half the regular prices. When these items are very inexpensive I stock up on them and store them in my laundry closet. I know many people don't use much toilet paper at all and only allow themselves 1 or 3 squares maximum per use. I don't subscribe to this kind of savings. I would rather feel clean and comfortable. However, I would make reusable cloths to use in place of paper towels.  At this point I don't use enough paper toweling to warrant it but it is something on my 'to do' list of frugal practices that are also good for the environment.
• Browse discount fabrics:  From time to time I do browse the fabric at quilting shops and purchase fat quarters or smaller yardages that are put on clearance. I then try to purchase a few pieces of coordinating fabric along the way.  Getting enough fabric to use to make a quilt is something I'm learning to do by trial and error.  Crafting can be expensive so whatever I can do to save funds to help me continue crafting, is a good thing.  I've learned too that not all materials are created equal.  For example, at Wal-mart, one has to be careful about the cotton fabric you purchase.  A lot of the fabric is virtually see through because it is so thin and it isn't the best quality.  No doubt they purchase in bulk from the cheapest sources to give the best prices to the consumers.  But you get what you pay for and this kind of fabric won't stand up to a lot of washing.  Sometimes you can get some better quality cotton there. You just have to be careful.  The same is true of any discount fabric store. Unfortunately, where I live, we only have one fabric store handy and two quilt fabric stores. We don't even have a Wal-mart.  I have to go to the next suburb to shop there so I don't bother.  I only go to Wal-mart when I travel.  
• Grow the garden:  This year my floral garden didn't do well.  But the garden did grow hot peppers, large and miniature tomatoes and a small bit of kale.  Next year I will grow the same things.  Hopefully we won't have all the rain we had at the start of the growing season.
• Use points:  I collect all kinds of points.  It is a job you have to stay on top especially if you want to make sure you have your points cards with you when you are shopping at a particular place. You also don't want to buy things just for the sake of getting points. I always try to purchase on sale and very seldom ever pay full price for things. Sometimes I double up on things if there are bonus points but only on things I actually need. A few weeks ago I got $85 credit at my local drugstore.  This enabled me to stock up on laundry detergent, dish washing detergent (I make it when it isn't on sale), butter, bacon and various household needs. I also got a $60 credit on clothes shopping at a place where I often buy clothing items for my mom. The credits were mailed to me at the right time since it was during end of summer sales and many things were 50% off or less.  You can't make things with new fabric at those prices.  I was able to purchase a summer dress, a dressy sweater, 2 summer shirts and a jean capris for myself; all within the $60 credit.  I got brand new clothes for less than the price of many thrift store purchases in town.  I was very happy.
• Travel bargains:  This summer I took a trip to the Province of Quebec and to several eastern states in the USA. I was able to convert a lot of my air miles to get accommodations at one hotel for two nights in New York. This was a huge savings in terms of dollars out of pocket. It took me years and years to save those air points but when I needed them I was able to use them. Other travel bargains included taking chances on where to stay as we drove along the freeways.  The places that had comfortable beds and a huge, varied breakfast were the best bargain.  For the most part these tended to be Best Western Hotels. Not only was the price right (in the USA) but the breakfasts were very nice and for two people a fantastic savings on daily spending.  On top of that we got 10% off every time we spent a night through BCAA membership.  Since we were on the road non-stop, I also went to places like Wal-mart and purchased snacks like ready made sandwiches, salads and drinks for the road.  One thing I dislike about travelling is having to eat fast food all the time or dining in restaurants that are far too expensive to eat in three times a day, not to mention the health issues that come from dining out. Another big expense of travelling is gas. Gas in very expensive in Canada.  Much of our road trip was in the USA so we felt like we were saving money every time we fuelled up since gas across the border is much cheaper than where we live.

• Flowers:  For a long time I gave up having fresh cut flowers due to the expense. Lately at my grocers they have been discounting floral bouquets as new ones come in. I've been fortunate enough to find flowers I like and buy them from time to time. Fresh cut flowers are one of my favourite things and bright ones with a scent do lift my mood and give my days some beauty.  I just purchased 3 bouquets of snapdragons for $3. total. I think that is a great bargain. I don't buy flowers every week. I change their water often, use disinfectant, discard dead stems and try to make the bouquet last as long as possible.
• Food:  This summer I was fortunate to be able to buy 8 wild salmon (whole fish) at a huge discount (total cost $52. Canadian).  These were Pink salmon, not Coho which is very expensive. Nonetheless it was an excellent bargain especially since most of them were cleaned of their scales.  I didn't buy 8 whole fish at once because they wouldn't fit in my freezer at the same time.  But I was able to purchase the fish on 2 different occasions and cut most of the fish into portions.  I saved one big one for a dinner with friends. Another way I've been saving money is to purchase in bulk when an item is on sale. I drink coffee and I'm not a coffee snob. So when the big cans of coffee come on sale for half the regular price I buy 3-4 at a time. For some time now I've been adding more grains and pulses to my daily diet. I've also added a lot of greens and even more vegetables than usual. It has allowed me to cut down on the meat so that is also a big savings on the food budget and a benefit to my health. I do still use milk from time to time and I use butter instead of margarine. I get both of these on sale at my local pharmacy where I save about half the cost of a pound of butter and about $1. off a jug of milk over the regular price at the local grocery store.

Well there you have it my dear readers. I didn't actually tally my savings over the summer but it was easily within the hundreds of dollars.  Despite all the savings it has been a more expensive few months for me than usual and it will continue to be so for at least the rest of this year.  The challenge is always to find the best deals possible and to save wherever I can and s-t-r-e-c-h each and every dollar.  Whatever I can save in one area is applied to another high priority need.

If I can, I am going to do some no spend weeks between now and Christmas. That should help a lot.  For the year 2013, I have had several financial goals. I've done well on them for the most part and will give a report on the progress at the end of this year.

What about you dear reader? 

Have you been able to save money this summer?

Travels

I've seen these kind of maps on blogs of friends.

I thought it would be fun to make one for myself so here it is.

Create your own travel map - TravBuddy

I've done an awful lot of travelling in my lifetime but the map says I've only covered 7% of the countries of the world. I've been back to many places 2 and 3 times, especially to Australia & Kenya. I hope to cover more countries before I'm done.  Clearly I have a lot more travelling to do.

Yesterday was a very very busy day for me, catching up on washing and folding laundry, vacuuming (hoovering), emptying the vacuum canister, changing bed linens, unloading and loading the dishwasher, making salad, emptying garbage cans and a whole lot of errands to get some things for mom and some things for me as well.

I also did a lot of research on line looking for deals on duvet covers. I've narrowed it down to two possibilities, both of which are on a very good sale. I've been looking for these for a very long time but hate to pay the prices that they usually are on offer for.  I want to buy one solid coloured duvet cover for myself and one for my brother's birthday which is coming up in the Fall. Yesterday's flyers also showed a sale on two other things I need (a new tower fan and an office chair.  I've needed the chair for some time but that might have to be put off again.  Maybe I can get one for free. I always keep my eyes open for free things if they fit my need and they aren't too shabby).  I need to carefully think about each expenditure and figure out what I really need and can buy this month. Thinking two and three times before buying anything, buying on sale, or getting things for free is all part of my frugal living approach to living and to managing my finances.

The fan could potentially wait but the problem is that in my country, the fans will not be in stock again until the summer of 2014.  I can't take that chance since the fan I use in the living room sounds like it ready to quit.  Though I try not to add credit card debt, at times like this I often justify the use of  a credit card if those charges will be paid in the near future.  This is always a gamble as you never know what other expenditures come up in the meantime that are equally important.

Sometimes I dip into savings for such needs.  But again you must be careful.  If you get into this habit you will find it hard to save.  I know this because I often dip into it for needs other than travel which is what my savings are supposed to be dedicated towards.  I'm hoping to get to the point where I don't have to do that.  It would help too if I could get some donors to help the Kenyan man named Elvis. You can read about him by clicking the badge to the right of my blog. He still needs a lot of help to finish the year.

Sunday I was played out so I just relaxed. I didn't do much other than reading a very few blogs, continuing to try and get yellow stains out of my summer tops, logging my daily blood glucose, making soup and salad, and watching movies. Tomorrow I have to try and get to several accumulated "to dos" including getting to the post office.

I wish you all a great week.

Weather & Finances

On Tuesday night I saw some fluffy little clouds in the middle of the sky. There was an airplane making its way to the Vancouver International Airport for landing. It looks like an insect on my camera lens as it makes it's way westward.

It's been a record breaking month of sunshine and heat in this month of July. We haven't had rain for the entire month. I think that is supposed to change over the weekend though the rain is not expected to be heavy.  The persistent heat can feel oppressive to those of us who aren't used to it. It is also hard on the lawns and gardens since our plant life in these parts is used to much more rainfall to keep everything nice and green.

On my walk to the park this evening, I noticed the lawns in some places are looking a bit yellow and dry around the edges.  I took a photo of the sky from the park on my camera photo but can't figure out how to get it from there to my computer. It used to be easy to do but since I went on holiday, unlocked my phone and put back the original SIM card it no longer works properly. I think I need to reset it to the factory settings but am afraid to lose my photos. I'll have to ask someone for help first.

I notice the flowers along the streets are very full and healthy looking whereas the flowers I planted in my garden are extremely slow to grow.  The flowers only seem to do okay in containers. The vegetables are looking a bit better but the kale looks a bit skinny. I've probably left it in the garden too long now as it is going yellow around the edges.

I had a rude awakening on Monday morning.  I mentioned in an earlier post how I dislike the crows who come to my patio garden because they make so much noise, leave food and feathers in the birdbath, chase away the little birds that I like to watch and are just generally destructive.  For two weeks, I chase them away every time I see them land on my bird bath. I guess they didn't like that. Yesterday morning they made quite a ruckus and totally dismantled the bowl of my bird bath until it came loose and topped over.  What pests they are but I have to admire their intelligence.

After running errands at the local pharmacy on Tuesday night, I finally started clearing my desk of the many receipts that have been piling up for the last month. I have to sort them by month and date and put them in baggies until I transfer all the information to an excel spreadsheet. I'm not so disciplined when it comes to inputting all the information as it isn't my favourite thing to do.  I put this kind of work off until I really feel like doing it.  I have been  trying to keep a record of all regular expenditures for the last 4 months or so to get a better handle on where my money goes and also see how much I've saved.  This is part of my "package" of financial goals for 2013.  Although I don't track every expense, I do track most expenses. I don't keep track of meals out or stops at the coffee shop because these are not part of my usual expenditures unless I am on holiday.

I hope your week is going well and that you are making progress on your goals whatever they may be.If you haven't yet read my last post, please read here. I would appreciate whatever you can do to share it on your social networks; especially on Facebook as we need 10 connects to get this profile in the searchable directory. Thanks so much!

The Wealthy Barber Returns

Though the first two weeks of this month, I felt rather tired, I'm having a good week so far in this third week of January.  In the first half of the month, I did a lot of resting and didn't push myself  too much.  I used the time to think about different activities and events that I hope to take part in as part of moving forward in  my goals. I also used the time to continue treatment for my leg and to get myself organized.  My sleeping pattern got messed up in December and this continued into the month of January so I've been working on trying to improve that as well.  It takes me a long time to get back into a good sleep pattern once it's out of whack.  Probably because I suffer from a couple of sleep disorders. For those that don't suffer from sleep problems, give thanks for you are lucky! Sleep is so important not only to energy but to good health in general. When you don't have it, you surely miss it. 

A stunning scene greeted me early Tuesday evening when I took this photo.  Just a few minutes later, the sky became dark and the ski lights on the mountain were brightly shining. You can see them in the photo at the top of the mountain. Click to enlarge the photo.

Very recently we've had a "large-ish" snowfall so it gave me good excuse to stay indoors and try to catch up on cleaning; basic things like vacuuming, washing down the counters, laundry, baking, etc.  Daily tasks like this take me much longer these days and tire me out. It is tiring walking around on a painful leg but I am happy I can still walk around at all. I truly am.  I continue stretching and going to massage therapy though I've reduced the appointments from one hour to 30 minutes.  This way I can get a  few more appointments covered under my extended health insurance plan. I've also started drinking mangosteen juice for inflammation. I don't know if it works yet because it is a little too early to tell but it won't hurt to give it a try.

I'm taking the new year slowly.  I like what blogger, Melissa Tchieu, said to me a few posts ago.  She said "RESTFUL INCREASE is what you need to achieve this year."  I thought that was perceptive and also accurate. I will rest in God and give my progress up to Him as best I can.

One of my goals for this year is to read 24 books. I read 24 books last year and want to do the same this year. It isn't a lot of books as such, but it is a lot for me and I also want time to do other things as well.

The first book, I've read is entitled, "The Wealthy Barber Returns" by financial expert, David Chilton. I found the book funny and, at the same time, full of financial wisdom.  I actually enjoyed this book more than his first one because I think it is more accepting of the way people really are about their money. Chilton distills financial advice down to a few realistic steps that people can take to improve their financial situations. Much of the book covers ground that I've learned over the past decade or more, but it was still great to have a review.  There were also a few bits of information that were new to me and it is always good to learn something new.

David Chilton writes in an easy style that everyone can understand. For example, here is his opening to the chapter entitled "Emergency Funds"

MANY IDEAS IN THE WORLD of personal finance sound great in theory and appear to be logical and well thought through in books, but seldom work in real life.

 Exhibit one: emergency funds.

Financial writers love these things. And for good reason.  We live in unsettled and unpredictable economic times. Bad things happen. What idiot wouldn't recommend saving at least six to nine months of after-tax income to carry us through rough patches?

This idiot.

If you are intrigued and would like a review of this book, you can read one here. Not everyone likes the book and the reviews from ordinary people will give you a good sense of whether the book will appeal to you.

I picked the book up at half-price; a real bargain!  I thought I would give it to my nephew, the one I'm helping with his budget so he can finish the year at university.  After further thought, I decided he probably wouldn't read it so I'd better read it myself.  By the way, it looks like my nephew's money woes will be substantially alleviated by the news that he will receive a generous bursary. Once his funds arrive, I hope that we can sit down and go over his budget categories to allocate his funds, and ensure he stays on the right path.

I hope that you dear reader are also have a good start to the year and also time to reflect on how you want the year to unfold. Blessings as you move forward!