Taking Stock of 2012

The end of another year is here and just as I've done for the last few years, I'm taking a few moments to look back at my progress on the goals I set for 2012. These goals are really mostly guidelines for me to keep moving forward through the year rather than hard and fast rules about what I need to do. They probably aren't that much interest to my readers but I do it because I find that setting out broad goals each year helps me to keep things on track and gives much needed structure to my year.  Blogging about it makes me more motivated to work on the goals and holds me more accountable for my time.

Last year, I structured my goals into several categories: Spiritual, Health & Lifestyle, Family, Financial, Hobbies and Home.

SPIRITUAL

• Implement an appointment time for prayer and study

• Use a good study guide for bible study
• Support one person in reaching their goals
• Make one loan to a female entrepreneur in a Kenyan village
• Cultivate and nurture Christian friendships
• Implement an appointment time for writing & gifts to my sponsored children in Kenya
• Continue to keep in touch with childhood spiritual leaders

I made good headway in all of these goals though there is some room for improvement. I managed to meet all of my spiritual goals but need to improve on consistency of appointment time for prayer and study. One thing I added to these goals over the year was reading my Bible chronologically and I will continue with that goal in 2013. One thing I found helpful was reading at night rather than in the morning.

I supported 2 people in moving forward with their post-secondary goals this year and helped two women with their business goals. I had been saving pennies as a way of raising funds for Kenyan women. I will no longer be saving pennies because the Canadian Government has abolished the one cent coin and it will no longer exist as of  February 2013.  I will miss the penny coin for many reasons.

I've made a decision not to continue providing post secondary or business assistance to Kenyans in the foreseeable future.  My hope is that the assistance I was able to provide will be enough to encourage the receivers on their respective journeys.  I will continue to provide help to Kenyan villagers in various ways as the Lord leads and enables.

HEALTH & LIFESTYLE

• Continue to learn about diet for diabetics & incorporate pulses, grains, dark green veggies into cooking.
• Learn to make artisan bread
• Make more multigrain bread
• Get more Omega 3 EFAs, vitamins, fiber & antioxidants
• Implement an appointment for stretching
• Ride my stationary bike for 30 minutes 3x per week, increasing to every day
• Resume weight training
• Continue with my swimming lessons
• Take a water aerobics class
• Laugh more
• Learn new computer skills
• Upgrade my skills on smart phone/tablets, etc.
• Clear up computer files and photo files
• Continue to broaden my base of friendships & participate in my various group meetings & get togethers

I was not successful with several of my health and lifestyle goals; mainly those goals which required physical activity. I did continue to learn more about incorporating healthy eating habits, and getting more Omega 3 EFAs, vitamins, fiber and antioxidants in the diet but this did not help me achieve weight loss or better blood sugar levels.

Looking back over 2012, I see that I was hampered more often than not by long periods of constant pain and inability or limited ability to walk or exercise.  This again made weight issues very challenging,

In 2013, I hope I can make more progress in a fitness regime and find some way around my pain issues.  I am not on pain killers or anti-inflammatories.  Over the year I tried several different approaches to naturally combat inflammation but it didn't seem to make much difference to my pain levels.  I simply have to keep trying in 2013.  I did undertake some steps to radically reduce some stress in my life and that can only help my overall health (and blood sugar levels). 
 
I was also able to upgrade my skills on my smart phone and my computer tablet, though I didn't make much progress in learning new computer skills like Photoshop.  I did make a new website/blog for Missions of Hope, Kenya. However this is no longer published as the volunteer heading the missions is in a life transition right now. Perhaps it will be revived in future and so the work is not for nothing.  

Sometime during the year, I killed my computer hard drive, about the 4th time in 5 years that I've completely lost my hard drive. It is always a headache when that happens as it means lost money, lost time and lost files. I spent a fair bit of time trying to recover as much as I could. There wasn't much time or interest left in the year to learn new computer skills.

Locally, I made several new friends and participated in a number of group gatherings as well as organized a few of my own gatherings, outside of my home and inside my home.

New things added to my list of things to accomplish in 2012 included: undergo eye examinations, find a new dentist (and get a treatment plan in place), do all the paperwork to get a new CPAP machine, schedule a course of massage and foot reflexology.



FAMILY

• Continue regular schedule of communications & attend to needs
• Implement a regular schedule to write spiritual memoirs
• Conduct necessary research for spiritual memoirs
• Plan a vacation for my niece
• Continue to make contact with relatives who are shut-ins
• Plan a trip to visit extended family, for missions or personal trip

Saving pennies for Kenyan women~May 22/12 - $89.55

It was important to really focus on my family this year due to ageing relatives and their various health needs. In May, I was able to visit my last living uncle before he passed due to complications of surgery related to colon cancer. The trip to see him with my brother pleased him greatly. (At the same time, we were able to meet several other relatives and see how they are doing). Our comfort is in knowing we will see my uncle again some day but understandably his daughter who saw and spoke to him every day, misses him a lot. She paid a visit to my own mother in October and that was a wonderful surprise for my mom. 

 

I made a good start on writing my spiritual memoirs but have a lot of work yet to do to research some of it with my mother. Due to mom's health this cannot be done at my own convenience and I pray that I will be able to get what I need soon. Also the progress on actual writing was hindered by mobility issues since I was unable to get to my writing group in the latter part of the year. 

 

One of my goals was to keep contact with elderly relatives and childhood spiritual leaders. I tried with limited success to keep in touch with two older lady relatives. Mostly when I called them they were not at home but I did try. More recently I made contact with one and let her know that I would like to visit her when the weather warms. She is very excited. I'm excited too as I will see some new to me countryside.

 

I also wrote several times in recent years to my former Sunday School teacher. I hadn't heard from her in a long while and recently her daughter wrote to let me know that she found my address when packing her mother's belongings. She is moving her mother in with her own family due to the memory loss. It was touching to hear.

 

Finally, I planned a vacation for my niece to come and visit me over the summer and to spend her birthday with me. She was thrilled when we went to see the theatre production, "Mary Poppins" and also enjoyed our picnic and our travels on the small ferry boats around Granville Island. I had initially planned for a one week visit with my niece but she ended up staying for two weeks.  We had a nice time together despite my mobility issues.



FINANCIAL


• Continue to pay down debt
• Budget "to zero"
• Live below income
• Save more
• Continue saving in the snowflake jar fund for miscellaneous projects
• Think two or three times before spending
• Continue to implement strategic charitable giving
• Review insurance coverage & investment matters
• Investigate & buy silver

I managed at long last to purchase some silver coins for my long term needs. I also implemented budgetting to zero on a monthly basis. This made it difficult to meet the on-going missions needs in Kenya.  Consequently, this type of budgeting didn't work if I wanted to help the Kenyans with some immediate and pressing needs. These needs also made it impossible to pay down debt despite living well below my income.


I managed to continue to save some modest retirement funds but couldn't manage to save anything in a bank account for other needs.  Fortunately I received some tax refunds to help me with some household needs.  In 2013, I will be implementing a more stringent regime of charitable giving so that I am able to meet my own obligations as well as continue giving to the mission field.

HOBBIES

• • Read one or two books per month
  • Create an edible garden
  • Crochet a doily or a baby outfit
  • Knit slippers (1-2 pair), possibly learn to knit sweaters or socks
  • Finish the knitted baby blanket
  • Make dishcloths for gifts
  • Learn to machine quilt
  • Consider sales to raise funds for charitable giving
  • Use up stash of materials before buying more
  
  
  I was able to complete a number of creative works though I did not stick to my list of intended projects. Instead, I made many dishcloths, hats, scarves and blankets; all of which went into my Etsy shop. I had hoped to raise funds for charitable giving but haven't sold anything.
  
  
  I learned that buying all the supplies (some second hand but most of it new) even on discount, and careful shopping,  is rather expensive. I bought a lot more fabric than I intended as it seemed I never had exactly what I needed. I learned a lot by trial and error about how to go about future projects and purchasing what I need.
  
  
  It is probably not the best use of my time to make things unless I want to take them with me to Kenya on a missions trip since I was not very successful in sales. Either that or I need to figure out how to market my products or simply let my product development and sales develop more organically.   I am not the kind of person that will set up shop in a temporary stall to sell things. However, I am happy to have learned how to make new things and have already given some of my crafted items away.
  
  
  I surpassed my modest reading goal of one or two books per month and started reading the Bible from front to back after I completed 25 books for the year. 
  
  I was able to put in an edible garden and a lot of container flowers.  My edible garden had tomatoes, corn and peppers.  The peppers and the tomatoes did very well but the corn wasn't edible. For some reason the corn did not mature this summer unlike other summers.  I will reconsider what to plant next summer.

HOME

• Complete major decluttering project
  
  
  Yeah, I completed the HUGE decluttering project that seems to have gone on forever. I managed to get rid of all my excess clothes left over from my working days. Rather than continue to try to sell them on line, I bagged them all up and gave them away. Kitchen items, craft it and knick knacks were all bagged up and given away through my local chapter of Freecycle. I am still working on offloading some paperwork and excess photos.
  
  
  Additions to my list of the activities for 2012 included: renew patio space and replace some pieces of old furniture and  several small and large appliances.  Patio furniture was repainted, and new purchases included an umbrella for the patio table and a bird bath for the little birds to enjoy. A much needed sofa and chair were also purchased in the summer and kitchen appliances were purchased in the winter. I was very blessed to purchase all these items at good prices. I make it a point to carefully look for sales and the best quality within my budget I can so that whatever I have will last me for years to come. The last time I had a new sofa or appliances was several decades ago.
  
  
  At first blush, it seemed my year was filled with health challenges and little accomplishment.  But I tried to stay positive and keep on forging ahead as best I could.  I can hardly complain with all the terrible things that have been in the news all around the world.  As I age, I am mindful of the Bible teaching to be "content".  I try to keep a balance about what I'm feeling and doing and am learning to "go with the flow", though this is easier said, then done.
  
  
  After I've reflected over the year, I realize that my progress was or better than satisfactory.  I was able to accomplish a lot of the household tasks and creative tasks that I've been wanting to accomplish for a very long time. I was hampered in my progress by health challenges but am grateful to God.  He has helped me not only survive the year but get through some challenging projects and assignments.
  As I move into 2013, I pray for better health, not just for me but for loved ones and the many people I've met through blogging who also suffer from ill health.
  
  
  May 2013 be a blessed year for each of you and may our Heavenly Father grant you peace, good friends and good health.
  Happy New Year!

Relaxing, Shopping & Quilting

Hi everyone,  I hope you've had a great start to your weekend.  The weather here has been glorious and sunny; warm but not hot. I understand though that we expect rain by the end of the weekend. The ground could sure use it as we've had far less than our usual rainfall this August. We got a lot of rain in the previous months of May, June and July.

In my last post I said I would share some  photos of my trip south.  I'll share sky photos taken in White Rock, BC at Crescent Beach yesterday, and at Bellingham, Washington (please scroll down for the sky pics).  I'm also sharing my latest "work-in-progress", a lap quilt.

Bits and pieces of fabric were purchased in Washington State on Wednesday and Thursday.  I also purchased a bit of fabric in Kamloops earlier in the week and was eager to get started on my quilt.  I want to make several quilts once this one is finished as I have a fair bit of fabric to use up.  The problem as quilters will know is that you always find more fabric to add to your stash!

The small leaf patterned fabric and the teal blue fabric were purchased in Kamloops when I was there recently.  The geometric Native American design fabric was purchased in Bellingham, Wa.

The brightly patterned black fabric is from mom's fabric stash.  I inherited it just over a year ago. Sadly I had to get rid of a lot of her fabric but I kept some of the pieces I thought I could use soon.

These are the two completed blocks for the quilt. I have completed all the blocks.  The blocks will have a different placement to what you see in the photo and they will be framed by a solid colour.  Though it looks a bit busy now, I think it will all work when I'm done. I was trying to use small bits of fabric and had to adjust my original vision for this quilt.  I may have to buy more fabric for the backing or I may use some muslin fabric which I have on hand.

I took a fabulous trip to White Rock, BC yesterday.  White Rock is very near the BC-Washginton State border.  There I soaked up the sounds of waves on the shore at Crescent Beach before heading south to Washington for shopping.

The first 5 photos are taken at White Rock's Crescent Beach.  It was a hot and hazy day so the conditions were not ideal for taking photos.

 

This is the approach to Bellingham, Wa. from the I-5 freeway. Mt. Baker is in the distance.

I hope you've enjoyed the short tour.  I'll be sharing a lot more scenic photos of my recent travels so please visit again soon.

If you haven't already visited at Skywatch Friday, I encourage you to join in  here to see more glorious skies from around the world.

I also invite you to check out the wedding photos if you haven't already. You can see them here and here.

Enjoy!

Two More Books

Two more books toward my 2012 reading goal.

Late in the week I started reading a book I've had in my library for a few years; The Measure of Man, the memoirs of Sidney Poitier.

Mr. Poitier was never one of my favourite actors but I do recall enjoying his movie, Lilies of the Field.  I saw the movie as a child and remember enjoying it immensely.  Mr. Poitier won an Oscar  for his role as handyman Homer Smith, a man who helps refugee nuns build a chapel out in the desert somewhere. I think I was fascinated by the movie because where I grew up I'd never seen a black grown up,  only two boys about my age who I didn't know personally.  I was curious about these people because they were rarities in my world and we had no opportunities for association.   I'd also seen two other Mr. Poitier films, Guess Who's Coming to Dinner and To Sir With Love. I liked the latter movie more than the former,  but didn't really pay much attention to either of them.

In the last year or so, I happened upon another of Mr. Poitier's movies which I did not see as a child.  It is called A Patch of Blue.  This movie appealed to me even more than Lilies of the Field. In the movie, the character, Selina D'Arcy is a blind, white girl who meets a black man, Gordon Ralfe, played by Sidney Poitier and falls in love with him. Although his brother strongly advises Gordon to tell Selina that he is black, Gordon refuses to do so. Problems arise when Selina's mother, played by Shelley Winters, learns about Gordon and Selina's relationship and forbids her daughter from being with Gordon because he is black. Gordon doesn't reciprocate Selina's love but views her as a friend and he is dedicated to helping her. The movie ends in an interesting way.

Anyway, back to the memoirs.  I've long wondered about the details of Mr. Poitier's life and his acting career which developed at a time in American history when it could not have been easy, an understatement to say the least, to have been a black man or a black actor.  This was the reason I picked up The Measure of a Man.  I wanted to know where Mr. Poitier came from, how he got into acting, and how he managed to retain his grace and dignity during times of racial turbulence and how he managed to thrive as an actor despite the lack of opportunities for black people.

I'm learning how he grew up on Cat Island in the Bahamas and made it to New York via Nassau and Miami, where he started his acting career on the stage, before moving to Hollywood to continue a career in motion pictures.  It is fascinating to have insight into the times from the eyes of this veteran actor and to learn how easily his life could have ended up so much differently.

I'm still reading the book and while I haven't formulated all my conclusions, one thing jumps out at me, and that is is how  seemingly "accidental" it was that Mr. Poitier became an actor at all.  Another thing I've learned is how his childhood, and way of life on Cat Island, really shaped him for the better and influenced how he conducted his life and made decisions through his life time.  On Cat Island you see, he was not a racial minority. Everyone was more or less like him and his family, and that had a lot to do with how he continued to view the world and his place in it when he got to America.   Mr. Poitier is a man of wisdom and strength and one thing he says in his book which I think is a good lesson for us all is:

I've learned that I must find positive outlets for anger or it will destroy me. I have to try to find a way to channel that anger to the positive, and the highest positive is forgiveness. (p. 128)

So far, it's a fascinating read.

My friend, Caroline at Lonicera's World, sent me a book entitled, Jennie by Paul Gallico. It arrived from England in the post on Friday and I immediately began to read it. It is a delightful little book about a boy named Peter who desperately wants to own a cat but is not allowed to because his nanny suffers from allergies. Peter has a terrible accident and when he awakes he finds himself transformed into a cat. His nanny immediately throws him out of the apartment and he is confronted by the mean spiritedness of human beings on the outside, as well as other animals. He runs hither and thither until exhausted, he collapses ,and is rescued by a feline named, Jennie, who takes him under her paws and teaches him how to become a cat.

This delightful little book is written by Paul Gallico, who I've read, owned 23 cats of his own.  Mr. Gallico has really been able to capture the behaviors of cats and describes them in a way that is completely understandable even to those that are unfamiliar with cats. When Jennie describes the rules about washing for example, I could not help but think about my former cat and how she used to wash herself and in what circumstances she would wash.  The Jennie in the book says, "When in doubt, wash!".

With these two books almost completed, I will soon be able to add a few more books to my reading goal for the year.

How about you dear reader? 

Have you set reading goals for 2012 and if yes, how are you progressing on them?

Works in Progress

I've been super busy trying to learn how to read knitting patterns and make sweaters. Knitting a sweater is one of my goals for this year so I am making good progress on my goals. Now that I have some limited experience with flat sweater making I have to learn how to do it in the round. Then I'll be able to make socks and tackle more interesting sweater patterns.

Knitted newborn baby sweater and cap made with new yarn. This is my first set. The sweater still needs to be sewn together.  The cap is not really a set with the sweater but for now it is the only one that I've made in complementary colours.  This was a learning experience in every way.  I learned how to read a pattern, how to add cast on stitches to a work in progress,  and how to shape the neckline.  

This knitted baby sweater is my second attempt at knitting a flat sweater.  This one will fit a 3 month old baby with added room for ease.  I have changed up the pattern in the first photo (above) with mixed results. I added a crochet insert in each sleeve (visible on the under sleeve to the right of the photo), added a crocheted edge all around the outside of the sweater and a button for extra interest.   It is made with unused yarn from the thrift store. I have one more skein of this yarn and I'm hoping it is enough to make matching booties.

 This is the latest item I am making and the first crochet item I've made in this pattern which is a ripple or wave pattern.  This item is being crocheted with odd balls of yarn in (mostly) complementary colours.

I thought this would be a lap blanket to drap over the the wing chair in the master bedroom.  In talking to mom, I realized she needs it more than I do.  She will cover her lap when she is driving around in her chair. The colours seem busy, but they will coordinate with a lot of her wardrobe.

I've had mixed success with these projects so far. I'm finding I don't have a lot of patience for starting and re-doing things when I make mistakes. I also don't have a great deal of patience for reading patterns and/or waiting for long periods to be able to ask someone for help.  I do belong to a group of knitters and crocheters but most of them are not experienced knitters and are learning like me. We also meet very infrequently, so it isn't much help as of yet.  So then I go on line and try to find the answers to my issues.

There are a lot of video tutorials on line but I find they generally leave some important aspect of the learning process, or the pattern, unaddressed. Not everyone out there is a good teacher though they may be excellent knitters or crocheters.  I need detailed instructions and I also need to have the patterns explained to me in a way that it helps me remember the patterns. I don't learn well by simply watching. I need to understand HOW a pattern works and the potential issues and solutions beforehand.

For example, one instructor said he had had a difficult time for years with uneven ends a the ripple afghan (That is a ripple afghan in my bottom photo. The bottom edges need to be uneven and "wavy". It is the sides of the afghan that can become uneven and they aren't supposed to be.) similar to the one in my bottom photo above). Then he went on to explain his version of how to make the ripples.  When I went to view and follow his written instructions, they were incorrect.  One small error but it makes a huge difference to a beginner.  He also  never did say how to make sure you don't get uneven side edges in your finished product to save everyone else the grief that he himself experienced.  In the end, I abandoned his video lesson and I resorted to a set of written instructions I had on hand.  The end result, is a pattern which is somewhat different than those that I've been viewing on line.  At least I did learn enough from the video tutorials to make more sense of the printed pattern I have.

Initially, I intended to make the crocheted afghan with the yarns in my yarn stash.  I quickly discovered that this won't really work. I don't have enough skeins in the right weights and colours to make a lap afghan. Even though my yarns are mixed washable fibres in 3.5 or 4 weight yarn, I still found that the cheaper yarn at the slightly heavier weight made a difference in the stitches and things became a little less even than I would like.  I will try to resolve any uneven edges with a border finish at the end of the project but I won't be able to do anything about the stitches in the body of the afghan.  I also realized that it isn't a good idea to mix inexpensive yarns with more expensive yarns. In the above example, the blues and whites at the bottom of the photo are less expensive yarns and it really comes across in the feel and size of the stitches. Nonetheless, it is a good practice piece. I think my second attempt will be better and I've already decided on the colours (burgundy/dark red, cream, orange, tan, maybe green) for my living room lap afghan. On second thought, I think I will skip all the colours and make it shades of green which will be more neutral.

Based on what I've learned, I will buy all my yarn in advance.  I will use a larger size hook (size 6 instead of 5) and I will work the stitches in double crochet stitch,  rather than single crochet. I think these steps will ensure a smoother finish, a looser stitch and a smoother feel to the finished product.

If any of you are crocheters and have tips for me based on what I've shared, please do drop me a line!

What's Happening in My World?

We had another major storm pass through on the weekend. The winds were howling for two nights. I saw on the news that ferries serving the islands off of Vancouver were shut down due to the bad weather and power was knocked out in many places.  I was snug inside and safe from the storms. I was blessed that my power didn't go out at all.

The small amount of snow we had was washed away by the rains and the temperature has warmed up considerably.  I spent the blustery day yesterday making progress on  my goals.

One goal is to finish the baby afghan. I had started out making dishcloth squares in a new-to-me pattern.  One of the ladies in my knitting group suggested I sew them altogether into a baby afghan and I thought that was a great idea. I made about half of the squares last Fall and finished the other squares today. I just have to decide on which colour to use to crochet all these squares together with and I'm leaning toward a cream colour. I also like the blue in the yarn.

I am still a newbie knitter and have only made dishcloths and slippers. I needed to make enough of these squares to practice the stitches but I see I still need more practice*smile.

I also started my second paper book over the weekend (I have a few electronic ones on the go) entitled, Paris, 1919 by Margaret MacMillan.   This one I've had in my library for awhile now and thought I'd better get at it.

Margaret MacMillan's Paris 1919 is a colourful, epic history of the momentous days after World War I that saw U.S. President Woodrow Wilson and the other Allied leaders reshape the world. Wilson arrived in France to referee the Paris Peace Conference only a month after the war's end, sailing into a French port past an avenue of British, U.S., and French battleships. The world, horrified by the millions of war deaths, was desperate for peace and embraced Wilson's call for a League of Nations and self-determination for all peoples. Enthusiastic European crowds greeted the U.S. president and posters bearing his face lined the streets.

It was a conference unlike any other in history: attendees redrew borders, rewrote international relations, and tried--unsuccessfully--to contain German militarism. It unfolded in the midst of massive social upheaval as Europeans awoke to widespread hunger and the inequalities of their age. In the pressure cooker of Paris, this bubbling stew of social and political forces boiled over, and many of Wilson's dreams were dashed. The world lives with the legacy of these few months. Not only did the conference produce a new map of Europe and the Middle East, it led to the infamous Versailles Treaty, often blamed for provoking World War II. MacMillan, a University of Toronto history professor, argues that the Allied leaders did their best, and to blame World War II on them is to absolve Hitler and his appeasers. MacMillan could perhaps be accused of bias: her great-grandfather was British Prime Minister David Lloyd George, one of the main political players in 1919. However, her book has been acclaimed by historians and has won Britain's richest nonfiction award. Complete with backroom intrigue, personal drama, and vivid characters, Paris 1919 is a vital contribution to our understanding of the last century and the current one. (Source: Amazon).

I picked this book up several years ago because I was fascinated to learn that political leaders of the day redrew borders. I didn't learn this in history class. I'm not sure why I waited so long to begin reading it other than I have so many books in my library that I have yet to read and this is just another one. I'm sure I will learn a lot from it.

It's great to feel like I'm making progress on my goals for the year.

Having goals helps keep me focussed on the things I want to do and gives structure to my time.

How about you dear reader? Are you making progress on your goals for 2012?

Click on the badge and join in to see what others are doing around the world.

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!