I’ve Been Tagged

Yes, Carla tagged me on her blog and so now I have to return the favour.

Here are the rules:

  1. Post these rules (done!)
  2. Answer the 11 questions from the person who tagged you (coming right up…)
  3. Create 11 new questions for the people you tag. (ummmm)
  4. Tag 11 people and link them to your post (do I even know 11 people with blogs?)
  5. Let them know you tagged them.

I have never been good with chain letters and the like, so I can tell you right away I won’t be following the rules to this either LOL…  I doubt I know 11 people who have blogs and really, it’s a lot of work, especially when all I want to do is sprawl out on the couch and enjoy a semi-vegetative state.  So I will answer the question, be all impressed with myself for posting twice today and then I am shutting off the computer because I have a date… with the couch.

Without further ado, here are Carla’s questions.

1. What is the bravest thing you’ve had to do in your life?

Well, being a member of the military, I have been to a war zone so that could be considered brave.  While living in Borden I often had to drive to Sick Kids with my sons and that meant driving on both Hwy 400 and 401 – that could also be considered brave.  One of my personal favourites is when I stopped taking lorazepam and ativan before (and during) dental appointments.

2. If you had to wear one colour for the rest of your life, which would it be & why?

Oh crap.  I hate these questions.  I am assuming I can wear different shades of the one colour, so taking that into consideration I would have to say Black.  I know, boring.  But realistically, who wants to walk around looking like a big carrot or perpetually celebrating St. Patricks Day?  White would suck.

3. Coffee, tea, or neither? Favourite flavour?

Neither.  I like hot chocolate, milk, water, juice.

4. Do you have any birthmarks? 

Bunch of moles, do those count?

5. One thing you regret (if anything) in life?

Seriously Carla?  I have a list.  I regret having children so late in life.  Now I am stuck with them until I am 50.  (just joking….)

6. Do you play any instruments? If not, do you regret not learning?

I learned to play the flute in high school.  I always wanted to play guitar.  Now, I don’t play anything but I am okay with that.

7. How many REALLY good friends do you have? 

Not many.

8. Have you ever “dropped out” of anything? Lessons, school, etc…

Dropped out of high school once but it didn’t last.

9. Smartphone or “old school” phone?

Yep, I have my crackphone…..

10. How long have you been blogging for?

On and off for years.

11. Do you *LOVE* your job? I mean really love your job? Or is it “just a paycheck”?

I love my job.  At times I get really tired but I still am happy to go to work in the morning.

And now I am done!

Apparently I am a slacker…..

Yes, not posting as often as I should.  guilty 😉

Thanks for pointing that out, Carla…..

So I guess I’ll start with what I accomplished since my last post:

1.  Budget:  Although I have been more conscious of my spending, I haven’t done the actual budget (yet).  That will be my priority for the weekend.

2.  Money Savers: I did go ahead and make the changes to my Cogeco account so that will be a savings of $80/month.  I called about our line of credit through CIBC and they are willing to drop our current interest rate (andf change us to a “secured” line of credit) from prime +3.25% to prime+ 1% but the kicker is that you have to maintain a 30k balance for 4 month and only pay off the interest and they would waive the $499.00 administration fee.  It doesn’t feel like they are actually waiving anything….  I also called MCAP, who we have our mortgage with, and they offered prime+0.5% BUT there are one-time admin and legal fees that would cost us approximately $1200 (give or take a hundred).  Soooo, I am still searching, in the meanwhile I will concentrate on getting that sucker paid down.

3.  Decluttering challenge:  I did A LOT better on this one!  I went through all my paperwork and sent Mark to work with a box of papers to shred.  I apparently am quite the paper hoarder, I had credit card bills, utility bills and bank statements dating back to 2002!  So all my papers are organized in a bankers box with a separate box each for Ryan and Evan (to keep their special papers and stuff).  I also managed to get a few items listed on Kijiji and sold a couple already.

4.  Random Act of Kindness:  I did drop off the non-perishables into the food bank basket at a local grocery store.  I also dropped off a bag of items to Value Village.

5.  Menu Planning:  I started a binder with some of our favourite recipes and threw out a huge pile of recipes that I had ripped out of magazines and never actually tried.  I didn’t actually get around to getting a menu planned but Mark and I have been discussing meals in advance so that at least we have a plan in place.  I think this weekend I may actually try to plan for the week and see how that pans out….

I had to stop by Toyota because there was a recall on the spare tire holder.  They fixed that for me and I had them look at my door because it makes a weird clicking/clunking noise when I open it.  Bottom line, to fix it will require a part, a body shop and about $350.  Ugh.

And that’s been my week so far.

February Challenges

I just got home today from Toronto.  I drove there on Monday to complete some “zoo training” which is a requirement for deploying.  In a nutshell, it is learning how to safely handle venomous snakes and other creepy crawlies.  I had a lot of fun, very interesting stuff, for sure.

So, it’s February!  I officially start with our budgeting and other measures to help save a buck.  Actually, any pennies saved are going directly onto our line of credit so the better I do at being “frugal” the quicker that sucker gets paid off!  Here are some of my goals for this month:

1.  Start Budgeting

I know that this stuff doesn’t happen overnight, at least not for me.  I plan on getting my numbers on paper, setting ourselves up on the jar system and going from there.  It won’t be perfect but over the next few weeks we should be able to work out the kinks.  In the meanwhile, will be tracking purchases and still try to make better choices when it comes to spending.  Fingers crossed!

Note:  today was a no-spend day, hopefully I can do several of those.  I know my willpower suffers greatly once I walk into a store….

2.  Money savers

Where can I make changes that will save us money?  I already called Cogeco today to see if we could get a promotion since our phone/internet/tv is all with them.  I dropped a couple of services and with their promotions we will be saving about $80 a month.  I am also going to try and negotiate a better interest rate on our line of credit and will look into PC Financial line of credits, often you can get zero interest (or close) with balance transfers.  I know there other cost saving measures, and I will be considering all of them this month.

3.  Decluttering challenge

 I really wanted to start on our “utility” room but I know I should really organize all our bills and get our paperwork in order.  Because Carla’s first challenge is “personal space” I am going to work on the  paperwork.   I won’t take any before/after pictures because really it is just about filing everything and tossing out stuff that is no longer needed.  If all goes well, I may move on to organizing my external hard drives.  I have tons of pictures in hundreds of folders, it requires serious attention……

4.  Random Acts of Kindness

Carla is once again challenging us to give back and be better people.  Her challenge this week is to donate food to the food bank.  I already had a bag of non-perishables in the van ready to go but I did go into the pantry and grabbed a can of beets that I *knew* we wouldn’t eat.  So tomorrow I will be dropping the goodies off at our local independent grocer.  As for the item today that I had to toss, donate or give away:  I was preparing my nieces birthday parcel and tossed in a Halloween costume that the kids have outgrown.  That counts, right?

5.  Menu Planning

I am always flying by the seat of my pants and exhausted every evening.  I would like to start a recipe binder with out favourite “tried and true” recipes.  To add to that, I think that by planning menus you can better organize leftovers, make better choices when grocery shopping, and use time more efficiently.  Hopefully by the end of the month I will have recipes in the binder and some meal plans in place.

Hoping to be able to post more often.  Goodnight,

Heidi