Frugal Reflections

Hi friends,

Today I thought I'd write about the delayed gratification factor and it's relationship to frugal living and debt reduction. It might help someone else who is trying to change spending habits.  I've been working on this for quite some time now as my natural inclination is to spend, not save.  It takes lots of practise, reflection and correction for me to get back on track with a disciplined approach to finances but I'm determined to do it. Each year, I add new financial goals to help guide me in staying on track too. This year I've managed to pay off  3 smaller debts related to my home.  I've also managed to slightly increase my regular investment contribution.  There are two things that helped me with this.  The first is wanting to contribute more to Kenyan missions.  The second is the Biblical verse that says "The rich rules over the poor, and the borrower becomes the lender’s slave."Proverbs 22:7  I no longer wish to be a slave to debt.


Earlier this week, I wrote here about several perceived needs I have that were going to cost me a fair bit of money.  The list included:

• duvet covers (2)
• bed skirts (2) to match the covers
• tower fan, and an
• office chair

Like many people these days, I try to think two or three times before spending money on these kinds of items (one of my financial goals).  Generally I do not have to think twice about buying food items or items to help me with my health but I do shop around for the best prices on absolutely everything.  A lot of my thinking about when to spend is connected to debt and the commitment I have to avoid unnecessary debt.  While I know I am not as frugal as some of you,  I am more frugal than many people in my circle and try to more mindful about my spending habits (a hard thing for a natural born spender).

Debt (mine or yours) is often connected to credit cards or lines of credit.  In my case, credit card debt is usually connected to travel and to helping my mom get whatever she might need to be comfortable or address her health issues.  Since I have no where to stay, when I travel to see her, much of the expense is related to hotel and food needs.  When I make the charges, I do try to think about the payments that will have to be made in future to pay them off and try to assess how long it will take. So every month, I examine the credit card charges and pay the maximum I can possibly afford each and every month. Some months I pay much more than other months. It really depends on the household and other expenses in a given month.  I also examine any other debts I have and pay as much as I can, as often as I can.  As for the line of credit, I got the balance fairly low and might move one credit card debt to it in order to pay it down faster and save on the interest rate.

Okay now back to what I've identified as my current needs.  The good news is that I won't be spending much on these after all.  After paying the bills this month and examining spending patterns over the last month or so, and the balance left over, I can better determine that some needs are not so urgent and in fact some are more "wants" than necessities.

My rationale for spending decision went something like this. If my fan gives out by the end of summer, I can wait until next summer to get one.  If my mother's fan gives out before next summer because she uses it virtually every day for hours a day, I can give her my bedroom fan which works perfectly fine.

I do have to get a birthday present for a loved one so I will order 1 (one) of the duvet covers but not the bed skirt. The duvet cover is already reduced and I have a 50% off coupon so the overall cost is minimal. Many truly frugal people do not buy gifts for others. Some frugal people only make gifts for others. I have gone through periods where I buy gifts, make gifts or don't give any gifts.  The duvet cover I wanted for myself is not absolutely necessary so I won't buy it.  This will save me money.  It will also save me the aggravation of not having adequate storage space.

The last thing on my list of needs was a new office chair.  The chair I currently use is perfectly sturdy but the "leather" on the seat is tattered and torn. I can make do with it.  If I get tired of looking at it I can make a seat cover.  I can also look at free items on Craigslist or Freecycle to see if a good office chair is up for grabs.

One thing I've learned in the last few years of working to get a better handle on my overall financial picture, is that it pays to sit down now and then and examine monthly bills and spending habits over a period of time.  In a recent round of self-examination I've noticed a number of things that are costing me money:

I keep current  bills in these plastic folders to help me keep them from spilling all over the place.

• I forgot to submit paperwork for 1 (one) medical item when I submitted paperwork last month. I need to follow up on that. It could mean $80. (Canadian) in my pocket.
• I am consistently late paying my all-in-one (tv/phone/internet bill). Besides shelter, food and charitable giving, this is currently my largest monthly bill and I get a discount for "bundling" the services through one provider.  Though I thought I was up to date with the bill, I got a shock in the mail this week.  To make sure this doesn't happen again, I've set up recurrent, automatic payments.  I've done this for other bills already. I think I'd left this bill out of the automatic payments because I wanted to see how this bundle package was turning out for me.  I'm still undecided but in the meantime, I've scheduled future payments so I'm not late again.  This will save on late charges and nasty surprises. I also need to look into whether to change my services to find a better deal. I examine this possibility every year and have opted to stay with my current service provider each year.  Some day that may change.
• I totally forgot about some charges (spending) incurred in late July. These charges impact my discretionary spending in August. This doesn't usually happen but when I get very busy like I was in June and July, some things get totally forgotten.  When I get too busy I also get anxious about the time I need to go over my accounts carefully to help correct any misspending and make sure all the bills are paid.
• I haven't yet followed up on two sources of money I think is due to me. I have to make time to write some letters and make phone calls. I had followed up on one some time ago but didn't take the next step.  Sometimes these matters really require effort from us and often people overlook these things because they are too busy.
• I need to cancel 2 automatic purchases I make from The Shopping Channel for vitamins and facial products. It is costing too much though it is much cheaper than the regular prices. My improved dietary changes should help balance the need for vitamins and minerals and I have more than enough facial products.  Besides, I've been unhappy with TSC lately. I've been having problems with TSC getting full refunds on items returned and credit for savings coupons. I've decided to block this channel so I no longer have to view what is on offer.  This will eliminate any more temptation to spend, the headache of paying and the hassle of getting properly refunded.

One of my former big spending vices was buying books and magazines.  I stopped buying magazines long ago (like 10 years ago).  I pretty much stopped buying new books a few years ago but once in a blue moon I will purchase one if I really want it.  I love reading and I don't like to wait long to read new books that I've been anticipating reading. Another way of saving money on my reading habit is to use the library.  I had gotten out of the habit of using the library when they built a new one farther away from me but recently reactivated my account.

I put some books on hold and it wasn't too long before the first one, Paris, was ready for pick up. I read the book in the first week of the loan period but delayed returning it.  Last night, I was notified that another book I put on hold, And the Mountains Echoed, is now ready for pick up. So now I can make a drop off and a pick up at the same time.

When I am very bogged down with the cares of day to day life such as I have been since April, it is good to have a break.  Reading and movies are some of the ways I like to take a break.  I also like getting together for fellowship with people, especially people who are from another culture.  Fortunately, I have a few social appointments this week, including one with a young friend who has just returned from Kenya.

I hope your week is going well.

Blue No More

I wrote the other day (here) about how yellow stains in clothing were making me blue. I described what I was doing to get the stains out and invited helpful tips from you my readers, in getting out the stains.

Since my post on this, I stumbled on an alternative to Oxy-Clean powder. I was browsing in a discount shop for a few small items when I came across a new to me product called, L.A.'s Totally Awesome Oxygen Base Cleaner. I purchased a small tub of it for $2.99 (Canadian).  I think this product is very much like the powdered Oxy-Clean.  When I used Oxy-Clean a few days ago I was using the liquid spray not the powdered form which probably works better.  If you can't find the Oxygen Base at the dollar store you can find it on line at Amazon.  One of the ingredients in the product is peroxide. Using peroxide on the stains is a tip that was left by Dimple on my previous post.

When I got home I mixed a bit of the new-to-me powder with water to make a paste.  Then I rubbed the paste into the sleeves of my blouses and left them to soak in hot water. After that I washed the clothing in a long cycle in hot water.  Voila, the look was much improved but still not good enough for me so I washed the blouses again with hot water only.  Again, the sleeves looked better but still not good enough.

I soaked and washed the stains in the solution again and this time I put them out in the sun to bleach. Presto, the stains are GONE or almost gone!  I've put these back out in the sun on the patio for another hour or two to "bleach" them even further. You can see in photos #2 and #3 that there is still a bit of discolouration but if the items are worn, the discolouration is not so noticeable. If you enlarge the photos you can get a better view of the sleeves.  I'm sure that with continued attention to the sleeves, the stains will be completely gone soon.

I would have put the blouses out in the sun earlier but I needed to have a long period of sunshine at the right time. As things happen, yesterday was not so sunny and warm until late in the day and I had no time then to leave the clothing outside.

I am pleased with the results and next time this happens I will be quick to sun bleach the stains.Thank you to every one of my readers who left helpful tips.  With a  lot of time and patience, I've now saved myself from having to buy new blouses for next summer. I think I could save time next time by placing the clothing in the sun much quicker and I hope I remember that should I need to in future.

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.

Yellowing Makes Me Blue

These are the yellow stains after about the 4th wash. I've just sprayed them with Ocy-Clean.

Some time ago I noticed I had a few white blouses that were yellowing in my closet but I never got around to trying to deal with them because these are items that I seldom wear.  I've read that if you don't wash white clothing (or linens) on a regular basis, they start to get yellowed from dust and other particles in the air. Often the sleeves of tops hanging in the closet are affected because these parts are usually exposed more to the air while hanging in the closet.

I wanted to wear some of these light, white tops due to the very high temperatures we've been experiencing this summer.  I did some research on line about how I could get rid of the stains. Oxy-Clean is a ready made stain remover that I read could be sprayed on clothing and left for 10-60 minutes before laundering.  I also read that if I scrub the stains with laundry bar soap and let them sit or soak the clothing over night in a solution of vinegar and water, that my stains would be removed.  I decided to try all three approaches.

Altogether, I treated the stains about 7-8 times.  The stains are far less noticeable but they are still there and the items of clothing are still not wearable. I think part of the problem is I may have washed these items before and inadvertently set the stains by washing them in warm or hot water. That apparently is a "no-no". I've used cold water in my recent attempts. I will give these items a rest for a few days and try to scrub them out again. I think another 3-4 times might accomplish the job.

Have any of you had to deal with stubborn stains like this? If so, were you able to get rid of them?  Would you like to share your approach.

A New Dish

Would you take a moment to click on the badge to the upper right of this blog &  read the story of Elvis, the young Kenyan who is trying to finish his last year of university?

We would greatly appreciate it.

We seek donations and ambassadors to raise awareness of this young man's need. Would you consider it? You will find all the buttons and information you need by clicking on the bad. Thanks so much!

I apologize for the poor lighting in this photo.

As I adjust to a more rigorous way of eating  I have to try and find a menu of foods that will satisfy a number of criteria.  Foods that can be put together without too much fuss.  Foods that will keep my blood sugar levels balanced.  And foods that are interesting enough to eat over the long term. Part of my new diet includes eating enough pulses and grains daily to keep me full and keep my blood sugar more evenly balanced.  This first week or so has seen my blood sugars going wildly up and down since I'm also experimenting with different foods and noting the effects on blood sugar levels.  It's been a bit hard on me for one doesn't feel good whether the sugar is high or low but but I have begun to see things level out to more acceptable blood sugar levels so that is the good news.  The other good news is that the new way of eating while not easy is made a bit easier because I've already had a lot of practice soaking and cooking various pulses and grains, and practise eating a variety of fruits and vegetables.  I also have canned beans on hand for those occasions when I don't have time to soak and cook dried beans.  My challenge is in having enough of all the right foods in the larder. My room mate has not joined me in dietary changes so having every food we need on hand is an even bigger challenge.

Last week I prepared beans and put them in green salads.  This week I wanted something different so decided to make a cous cous dish.  After looking at a few recipes on line, I put this dish together with a few adaptations.

Ingredients:

• 3-4  cups cooked (in broth) cous cous
• 1 cup of cooked kidney beans (you can substitute another bean)
• 1/2 chopping red pepper
• 1/2 chopped red onion
• 2 cloves garlic, finely chopped (or to your taste0
• 1/2 cup chopped or whole black olives (pit removed)
• 1 small bunch of cilantro
• 1 small bunch of parsley
• 2 tablespoons of olive oil
• feta cheese

Directions:

1. Saute onion, pepper and garlic in the olive oil. Cook until the red pepper is soft enough to your liking.
2. When the onion is transparent and red pepper is cooked, add the beans and olives.
3. Add parsley and cilantro and stir together well.
4. Add cooked (warm/hot) cous cous into the mixture.

Serve hot or cold and garnished with sprinkles of parsley/cilantro and crumbled feta cheese.
Serves 5-6

Let me know if you try it and if you like it!

Update on Life

Blessed be the Lord God, the God of Israel,

Blessed be the Lord God, the God of Israel,

He only doeth wondrous things,

He only doeth wondrous things,

And blessed be, 

His glorious name forever.

(An old hymn I sang as a child. I couldn't find a version of it on youtube to share with you).

This is a song that has been in my mouth the last few days. The last time I sang it was many years ago in Kenya when I shared it with one of the Kenyan congregations. I only know the words I've posted above. If you are reading this and you know the song or where to find it on line, please send me a link.

This morning started with a power outage. I could hear the burglar alarm going in an apartment next door. For some reason my computer didn't shut off. Sometimes that happens if I am on the computer before the power goes off. (Well the outage didn't last long. Within a minute or two, I could hear the alarm next door turn off and the power is back on indoors.  It must have been some kind of power surge).  Sometimes I find life is like that. We sometimes lose power but if we stay connected and grounded to our source of spiritual supply we can reconnect again. I have felt a disconnection of late with my power supply.

Health challenges that seem never ending or a loved ones dire health challenges can do that to us. It can be very hard to find time in these circumstances to stay connected to the source. Sometimes we don't even have energy to look after our own selves. Sometimes we don't even have the energy to pray for ourselves. Do you ever feel like that? That is one reason why I really try and take the time to pray for others. When someone asks for prayer or is in need of prayer because of what they've shared with you or I, you can be the one that stands in the gap for that dear one and holds them up when they can't hold themselves up.

Sometimes we get so weary of the drudgery of day to day existence. I know I am not saying anything shocking here. If people really stop and think about it they would realize that that is one of the reasons North Americans are excessive consumers, in high states of debt, and too busy, tired or distracted to consider the needs of someone else outside of their own circle of family and friends.

I don't want to be in this category.  I want my life to mean something and to matter to someone else outside of my family and friends.  At the same time though, I recognize that there are seasons in life where we can do more and other seasons where we can do less. Sometimes there are times to step forward and other times to step back. I'm trying to hear the voice of God in all these seasons and it takes patience. Also, there are times and seasons when family needs impact on things you can do for others. I also now have to take care of myself due to ongoing health challenges. I've been going through a long season of that though I never let it stop me from doing what I can to help on the mission field.

One needs to take care of themselves otherwise they have nothing to give to another person or cause. I tend to give so much of myself to others and find it hard to give to myself. That isn't a good thing but I was trained well by my mother and I've struggled to find a happy balance. I've come to accept that sometimes there is no way to really balance things.  There is still a need to try to take care of oneself.  Right now, I'm trying to take care of managing Type 2 diabetes much better than I have since I was first diagnosed. It took me a long time to get to this stage but  really must do this now if I don't want to have more troubles down the line. Some of you know I've been blogging about my renewed efforts to get the blood glucose under control over the past week or so and what I've been experiencing as a result of my efforts.  The good news is that the efforts I've made over the last few years to try and cook from scratch are helping me now when I have to eat a certain way. Yeah!

I didn't think I would write again so soon about my dietary changes after Sunday's post. But on Monday again I had an alarmingly low blood glucose reading (3.0 mmol/L).  I quickly downed a Coca - Cola and got it back up to 5.0. I also had a healthy snack that carried me through to dinner time without any more intervention.

My doctor is away for the month so I can't call her up or go and visit with my concerns about the emerging pattern of sudden blood glucose dips after lunch. I think it means, my dietary changes are working and I  need to reduce my medications already.  I experimented with cutting back on medication after dinner.  It seemed my blood glucose level was too high.  So I added back some of the medication I eliminated and then the blood glucose level was too low again. I had to snack all night long.  Tomorrow I will cut back once again.

Mom called Monday night to say she had sharp pain. She is worried it is part of the bladder infection. She asked staff to test her and so we will see how that goes. In the meantime, I prayed with her on the phone and then I called a national prayer line for prayer too.  It was nice when after praying for healing for mom, the prayer counsellor also prayed for me to have peace in the surrender of mom's health to God.  At scary times like these, prayer is so comforting and uplifting.

While all these things go on in the background, normal life more or less continues.

On Sunday when I wasn't feeling well I reverted to one of my favourite hobbies: reading. I managed to finish one book, My Sister's Keeper, by Jodi Picoult.  I enjoyed this book very much despite the heavy duty subject matter of medical ethics and parental and sibling anguish when you have a very sick child in the family. I won't say more in case you'd like to read it. I'd highly recommend it.

After finishing this novel, I started reading, Soho Blues, by Neil Blackmore.  I've only just started this book about a Soho (London) cafe owner named Henry Hudson whose life is forever changed when he hires Betty as one of his wait staff.

On Saturday, I started reading Paris, by Edward Rutherford. If you haven't read any of Rutherford's books, he has written several historical fiction novels (London, New York, and others). I read New York earlier this year and it whet my appetite for reading more work by this author.

In Bible readings this week, I've been reading so many of the stories of childhood that I haven't read for a long time.  I read about the miracle of the widow who had so little food but when she gave of what she had to the prophet Elijah, her meal and her oil never ran out. I read about how the prophet Elijah was taken up to Heaven in a whirlwind. What a mighty story that is!  I read about the Princess Jezebel and how she was eaten by dogs because of her wicked ways. I also read about Elisha, successor to Elijah,  and the many wonders (miracles) he performed by God's power. There are so many interesting stories and narratives in the Bible. I don't think I've read or heard of all the stories in the Bible and some I've forgotten along the way. It is interesting to read and see what is new to me.  There is always something new!

Please click on the badge to the upper right of this blog to read the story of Elvis, the young Kenyan man who is trying to finish his last year of university.  We would appreciate you taking a moment to consider a donation.  If you can't do that would you consider sharing Elvis' story on Facebook, Twitter or your blog?

I'm Making Some (Slow) Progress

Hi everyone, I want to thank those of you who have been praying for my mom and for me. I thought you might like an update on what has been happening.

Mom is still waiting for most of her medical equipment. If the word we've been given is true, she will have the trapeze and the parachute sling on Wednesday. She had the commode but can't use it just yet anyway. There are other more important things. There is no word yet on getting hospital table trays for her use. I left word with the OT about that about one and a half or two weeks ago. These tables are easy enough to get as they are on loan at the Red Cross. It just takes the OT to write something up. I guess she is too busy or something.

As for the largest need of all, the wheelchair, there have been some ups and downs on that front. The first step is to get a demonstration model. That wasn't so straightforward for the local supplier but it now seems as if they were ultimately successful but the chair won't be arriving until August 20th. Mom has already been in so much discomfort for so long that the demo chair couldn't come fast enough. Even when it arrives however, it won't be the chair she really needs. The point is to assess her specific and precise needs when the demo model arrives. Hopefully the demo model will be more comfortable for her than what she is currently using. She is in a high state of anxiety about the whole chair business. I try to keep her as calm as possible.

When mom moved into the care facility she moved into a second floor room until a room because available on the ground level. I've been dealing with the General Manager on that front and have been trying to get a move in date now for over a week. Just last Friday I was able to get a list of unassigned rooms on the ground floor but still no move in date. Then mom heard a rumour that there isn't going to be anyone moving in just yet as there aren't enough residents to fill the ward. That may be true as it requires the facility to also staff up and they aren't going to staff up until they have enough residents.

Mom is desperate to move because then she will have access to the outdoors more directly and the fresh air walks she craves. I would ask you all to keep this need in prayer.

 I'm busily preparing a bunch of things mom needs as I haven't seen her now in a month. One thing that has become readily apparent is that her wrists no longer can hold the telephone. This is troubling as she has arthritis very badly and the only real tool she has to keep her sanity, reach out for prayer and family and friend contact, is the phone. I've done some research on line to find a suitable head/ear piece for her. I'm not sure yet whether it will require a new phone. She just got a new phone within the last few months. I will let my brother look into what is really required.

Now on to me. I thank those of you who encouraged me and are praying for me too. I have to say I've been doing quite well this past week with tracking my food intake and my blood glucose levels eight times daily. I will only be tracking this extensively until I feel confident that I know what foods trigger my blood glucose spikes and by how much.   I had one scary moment of very low (for me) glucose level and day by day I see my glucose level is indeed levelling out to more normal levels.

This plane is advertising a website which I can't read because it is backwards from my vantage point. Or, maybe it is only backwards in the photo. I'm not sure.  Anyway it is probably not that important. We get bombarded everywhere it seems with commercials and advertising.

Today though I was in a lot of pain. I had to cancel a long anticipated dinner at friend's because of stomach issues. My radically new diet has caught up to me today and everything is backed up. I drank so much water yesterday but that didn't help. Today I was in a lot of pain probably caused from intestinal gas. I don't have flatulence just a lot of abdominal distension, pain and a feeling general malaise. I'm surprised by this as I've been fairly careful about the level of fiber I've been taking (not too much or too little) but I guess it stands to reason that there will be some issues arising as my body is adjusting to drastic changes being made. Yesterday  I felt rather good (normal) for the first time in ages. I hope to continue with that feeling after getting over today's bump in the road. I know it will take a lot of work and I haven't developed the good habits yet but I'm working on it.

There were some gentle colours in the northern sky last night. Usually you only get these colours (and deeper) to a western view. I don't have a western view so miss out on a lot of good photo opportunities. Nonetheless I get a great mountain view.

If you read this blog on a regular basis you know that I don't blog details about my health issues other than the knee issues I've been having.  Right now though, I feel the need to write about my diabetic challenges and blogging is what I do. Hopefully it will help me get this stuff down in writing.  Who knows it might even help someone else who is dealing with the same things. I hope also to continue writing about progress and challenges concerning mom's medical equipment (and other needs.   Updates probably won't be more frequent than once or twice a month or when there is something really good (or bad) to report.  Thanks for reading.

If you have a parent or loved one in a senior's facility and want to share your experiences, I'd love to hear about it in the comments section. Maybe what you share will also be useful to my readers.  Or, if you are dealing with diabetes like I am and have a story to share about how you manage it and what works for you, let me hear from you.

I am still hoping to raise funds to help Elvis finish university in Kenya. If you can help, please see my gofundme button on the right of my blog. Thank you so much!