Wowitsawonderfullife's Personal Finance Blog

Progress on my January goals:

First of all, working two jobs is really hard. Suddenly 40 hours per week takes 50 hours once you take travel and transition time into account. But I think it will all work out. I am so fortunate for these extra opportunities. My short term 4 - 6 week second job looks like it might turn into a long term gig.

I made it my goal to start singing again. And I did. I had my first event last week and loved it. And coincidentally the song I have been singing popped up on the radio tonight as I drove to the grocery store. OK, serving up joy and abundance there. I had a chance to sing harmony!

And I am working on walking 5,000 - 10,000 steps a day. I really like this fitbit wrist band. I am shocked at how little activity I do. What a slug! This has helped immensely. I have achieved 10,000 steps only once in the last three weeks. Don't judge:-) But interestingly enough I can see that I have actually walked less each week since I started with this gadget. I'm really surprised that I haven't upped the walking even though I'm focused on it. Just a sign of my resistance to change.

I have lost 3 pounds in two weeks. It should be more but I made an amazing home made ham and pea soup that we've been devouring.

It's a challenge to balance work and frugality (home made soup)and calorie counting. Can you imagine if I bought a bread maker?

And one last comment. Last weekend I went to a local mall to get in some extra walking. I felt a sense of cabin fever so I shot out and walked for at least 4000 steps. But I didn't think the mall cops would think it was acceptable so I skulked through Target and then then through the mall trying not to look conspicuous. Imagine my surprise when I went to the public washroom and it directed me to the "mall walkers cloak room". Duh! They have a community walking club. Fantastic!

Hoping I lose another pound or two or three in the next few weeks.

Just a few things:

1. Join chorus - done. Starts January 13th. Can't wait!

2. Lose 8 pounds. That sounds aggressive but I've put on a few pounds over Christmas and that will drop off quickly. I also have a new fitbit so...

3. Walk 5,000 - 10,000 steps per day.

4. Keep balanced as I work 2 jobs for 6 weeks.

5. Express gratitude and be joyful.

It's been a busy year with many changes. I am blessed to report that I am experiencing more and more joy as the days go by. 2015 looks to be fantastic and abundant.

In sum, 2014 was very expensive. But it was also filled with unique opportunities.

In no order, here is a list of this past year's events:
Empty nest in September - youngest moved into residence for first year university and older was married in Brazil. Both events within 5 days of each other.
I quit my contract job in August to work part time for a start up, and found additional work at two other companies. Making just a little less that I was before. That will change in January as I will be back to full time work.
Increased my hourly rate charged by more than 40%.
Enjoyed a week in balmy Florida.
Remained smoke free (2 years in January).
Had a blast growing the start up company.
Did a lot of spiritual work. That's why I'm experiencing so much joy and abundance. In fact I had two job offers in December, and was also asked to go for an interview in finance (yikes, haven't been there since the crash of 2008). Turned down the opportunity.
Spent money - hired someone to paint both the exterior and interior of home, gutted main floor bath, eaves troughing at second home, just found out I need a new roof on main house - arghhhh! Cost of university as well as the wedding were crazy. Car repairs were $1300.

I am fortunate that I could fund these costs. But it would be really nice if it all just stopped for a while and I can just enjoy the money coming in.

All the best to everyone in 2015! Health, wealth, and happiness, and the time to enjoy all three!

Three goals for next year:

Join a chorus in January,
Learn to sing Handel's Messiah and sing it at least once with a group,
Take the camera out and shot pictures of hawks. Tried it for the first time today and darned if I could find one!

This makes me happy!

So my job and home life changes have been covered in my blog entries parts 1 and 2 of 3. And I figured out that it's the day to day things that I need to get together. Panic! So I've spent the last 48 hours writing down my thoughts on working from home, new activities I need to pursue to get me out of the house and away from the computer, and how all of these changes affect my finances. Looks like it will be a financial windfall. No gas costs, no big grocery shopping trips. We'll see how it pans out but so far I am feeling like this is a good start to my new empty nest life.

I found out that an 18 year old girl was killed by lightning last week at my son's school. My son was 900 feet from her. It was totally random - it wasn't raining. But the sky started rumbling, she took cover under three trees. All of the students in the nearby residence heard the lighting strike. It's so horrifying and my heart goes out to her family. I told my son that that was the most important lesson of his first year in university. Carpe Diem.

I've been working on contract for more than 4 years for a stable company. Unfortunately the pay and the benefits are terrible, and the contract could be cancelled at any time. I really loved my job. Since I started there I've been able to take as much time off without pay as I needed. This year the amount of time off was cut back to 10 days. Having already taken 5 days this year I was in a real bind about going out of the country for my son's wedding. My request for an extra 5 days without pay was turned down. It's unfortunate that the policy changed after I took 5 days but in a way I understand that if they let me take extra time it would open the door for all the other contractors to have extra time.

In the meantime I have been working part time for another company doing the same thing as my day job. This was fully disclosed to my contract employer when I started last fall. I started doing about 2 or 3 hours a week and by June of this year was doing 60 hours per month. So with only five days of vacation available in my day job I knew I had to put family first. My last working day was in mid July. Now I work fewer hours for the same pay. I work from home. I was offered another part time job for 10 hours per week as well. Perfect!

So far so good. I couldn't have done this last year.

Stay tuned for part 3 of 3 tomorrow.

I last posted in May 2014. So many changes! Most significant is that we are now empty nesters. My oldest was married last week on the 5th, my youngest off to university on the 1st. The wedding was in South America (I'm in North America). We returned home today after a 23 hour door to door trip. It was very sad that my youngest had classes that he couldn't miss. But these things happen and we're all trying to support each other. The wedding and festivities were beautiful and we were fortunate to be able to participate. Paying off my debt last year made this a relatively stress free trip (except that I hate flying and both my babies have moved out :-))
Part 2 of 3 tomorrow.

Not sure on what to do. I have be invited to a wedding but my partner and I don't know the couple other than as a new co-worker. We will be on vacation and can't attend. What do we do for a gift?

First off I'd like to thank all of the SA member for their kind thoughts on the loss of my family pet. And for the suggestions of debt free planning. Having people comment objectively and respectfully is just so gratifying.

Here's the next issue:

I am not so good at flying. I can do a 3 hour flight no problem. As a new non smoker (14 months smoke free!) I can even do a 4 hour flight. But the idea of doing a 12 hour flight scares the daylights out of me. I need to get to Vitoria, Brazil. Is there anywhere in North America that will get me there in less than 13+ hours? I'm not concerned if it takes a day or two to get there. Suggestions gratefully accepted.

Heart attack while at the vet's this morning. My little boy is sobbing and he's 17. Our dear companion and my boy's best friend. A sad day.

What an interesting situation to be in. Debt free. And extra income coming in. I'm all set for January in that all of my extra cash is going to Christmas debt on my Amex. That will be paid off by February 1st. Off the top of my head I think the first action will be to put some funds into my RRSP (Canadian retirement savings plan) to I can avoid tax on my extra income from 2013. I have until the end of February. Then I need to max out my EF. I just need a bit of time to get my head around having extra money. I have a family wedding coming up. And I'm thinking of changing jobs. I have a short term venture that will bring in a lot of money but will only work for a few years. Lots to think about. Any suggestions are welcome.

To all my SA friends, have a wonderful holiday and happy New Year. May health, wealth, and happiness be part of your life in 2014.

Today I made my final payment on my last credit card debt. I paid off $8,850 this year (not including interest), and a total of close to $16,000 since I joined this blog in May, 2009. Coincidentally it was exactly 5 years ago today that I left my well paid position in finance due to the layoffs resulting from the crash of 2008. I'm not yet making the salary that I made in 2008 but a review is overdue and perhaps I might be back where I started from. As a contract worker I miss paid vacations, paid sick days, benefits, and all the other perks.
Thank you to all my SA supporters who have lifted me up when I was about to give up.

I've heard there is a nasty couple of bugs going around. Flu and pneumonia. I'm still working on the pneumonia that popped up at the end of August. Anyone else heard of anything?

So after my last round of selling on ebay I was amazed at how much the costs have increased. Has anyone else noticed how much the prices have gone up?

It's hard to believe that I only have $1,600 in debt left to pay off. My target was to have this paid of by mid November but I've been off sick for more than a week and as a contractor I don't get sick pay. So we'll have to wait. I'm getting by on my EF.

On another note, it seems like forever ago that the 2008 financial collapse changed the lives of so many of us. Almost 5 years ago. Any thoughts on where you are now?

I went to a Mr. Lube yesterday for an oil change. It was $54. I knew there were better deals out there. A local car lot is offering an oil change for $22.60 including tax. I had it done today. Awesome deal! It pays to shop around.

I've updated my side bar. Only $3,700 or so to go to have all the credit card debt gone. The EF is building - all my former cigarette money is auto debited to go to the EF.

The last few months have been strange and busy so I haven't been blogging much. It's been great to lurk for a while and I'm especially enjoying Lucky Robin's new blog "when did this become a farm".

I've been thinking about what I'm going to do when my last credit card is paid off. As of November I'll have about $800 or more a month. I'll probably use the first two months for Christmas, then use January and February for RRSP contributions, and then the next 5 months saving for a wedding in South America in August. Oh, and then in September 2014 it's time to start paying for youngest son's university education. Geez, how depressing is that! I'm gonna be broke for another 5 years! But the good news is that at least I have the ability to make choices. Life is good.

All is well in my world. Finances are looking good altho I'm feeling a bit of burn out. I sold 2 items on ebay and the cost of mailing affected my profit more than I anticipated. But it means I have an extra $22 to put against my line of credit. In other news my EF is growing by $24 a week and I'm closing in on $400. My line of credit was $8,850 on Jan 1, 2013. Today I'm at $5,994. I'm looking forward to flipping my Rolling Stones tickets for a couple hundred dollars in profit to add to the credit line paydown. On the other hand I've really been pushing the financial front and I'm going to give myself a bit of a break by paying about $250 less this month. It's just a little too tight and I have grad pictures to buy and some Spring cleaning projects that will cost me. And Spring finally arrived today!

Wow, am I ever old! I'm very fortunate because I've been to a bunch of concerts including several Supertramp events ("Breakfast in America"), a few Springsteen concerts, a few Bowie concerts, and New Order as well. But I don't ever remember tickets being uber expensive. This past Monday I scored on a pair of Stones tickets and they were - get this - $1257.00 for the pair. Seriously! I'm selling them for $900 each. Crazy, I know, but it's sold out. Taking a risk but I've had some interest. I can't imagine buying event tickets at that price. Does anyone have experience flipping tickets?

Successfully reached my stretch goal towards paying off my line of credit. I'm at $6,685.00, and was aiming for $7,000.00. In other good news I am being compensated for any extra hours worked rather than just time in lieu. About an extra $85 a week net. That will go a long way to expediting the line of credit pay off.

My stretch target for the line of credit debt was to have the balance at $7,200 by the end of the quarter. Looks like I might make it to under $7,000 which would be just beyond amazing. Because there is no room for raises this year I have been told I can work extra hours for pay. This works for me and might mean I can pay of the line of credit in full by the end of September rather than by November 30th this year.

In other news I've saved $242 by quiting smoking and have added a new category to track my non smoking success. It's called NOPE meaning not one puff ever. I loveeeee smoking and know that one cigarette will start it all over again. So not one puff ever. I have gained 10 pounds since I quit. I didn't realize that smoking affected metabolism. Of course it has nothing to do with all the salty, fatty crap that I'm eating when I'm craving.

Just returned from a weeks vacation. The house is chaos. Off to try to get it all together somehow before going back to work tomorrow.

Has anyone ever done scraping for income? I've seen people advertising themselves as recyclers. I like the "green" spin on it. And do hubcaps that are on the side of the road have any value? If so, where would you sell them?

My oldest son is now engaged to a lovely woman. They've been together three years. I'm happy for them. No firm date but they say it will be off season 2014 because it's cheaper. I'm so proud!

Too much to handle. Still off the smokes but would love to have one given what's going on:
1) We just heard that our Aunt overseas has had a massive heart attack and is in a coma, not sure if they have lifted life support.
2) My sib has just been notified that she's number one on the organ transplant list and could get a call any day now (and thanks again to all of you at SA that supported me 2 years ago on the same issue)
3) My best friends daughter is 11 (almost 12) and has just been told that the daughter has a mass the size of an orange on her ovary.

Thank God for an emergency fund. At least I don't have to worry about finding money to deal with all of this.

Squeezed a little extra to my line of credit payment this week to bring it in under $8,000. Started the year at $8,850 and am now sitting at $7,993. I'm targeting $7,200 by the end of March with a stretch goal of getting it under $7K. I have some unpaid time off coming up so it might be tough to meet that goal but I'm up for it.

I just can't believe it.

My Mileage
Smoke-Free Days: 30
Cigarettes Not Smoked: 660
Amount Saved: $101.64
Life Gained:
Days: 3 Hrs: 15 Mins: 13 Seconds: 55

We were hit with THE storm in the middle of the night. I usually listen to the storm reports and think "really?". Most of the time these storms don't pan out the way the media reports them. Here's my shout out for today. Listen to them! I have at least 10 inches of snow and it's coming down in buckets. We're due for another 9 hours of snow, up to an inch an hour. I haven't seen a snow plow yet. You might want to do what you can to get ready for it. Stay safe and warm.

This is bad, someone forgot to pay their bill :-)
They should be a member of SA.