Layout:
Home > Snap into Savings Reality

Snap into Savings Reality

September 14th, 2011 at 05:15 pm

This HELOC balance chokes my head and heart. I'm considering liquidating some certificates of deposit to rapidly reduce the balance.

Right now the HELOC usurps 17.173% of our available credit. It is our debt with the highest APR and the shortest payoff period.

If I wanted a car I could borrow up to 12% of our available credit. Weird that twelve years ago we were making less together than what the spouse makes now, paid 10% more for our mortgage. and had a car payment, and didn't see ourselves as suffering. See what fiscal responsibility conditioning can do to one?

The difficulty is working with my family. The boy and man seem to think that there's always money for afterschool activities, Pokemon booster decks and fantasy wargaming weekend tournaments. Meanwhile I have to wait eight weeks to replace my walking shoes and eleven weeks for a haircut. I desperately need some fall/winter skirts, tops, and boots. I buy at consignment stores and Value Village, except for the boots -- I always buy footwear new.

I saved some money yesterday: several years ago I bought some shabby chic style used bedside lamps. The paper lining in one of them disintegrated. I live close to a lampshade store that boasted 320 lampshades. I come in with my shade and am told that the style of my shade, specifically how the lightbulb is secured within the shade, is not one that is carried, and I'd be looking at $25 labour + $5 parts in addition to the purchase price of an equivalent lampshade. I look at the lamps available and they are priced from $95+. I go home, retrieve my SunUp daylight lamp, and secure it to the ceiling. Now I can program myself to wake up in the dark and have more space on my bedside table.

It saddens me that it is just one week away from the equinox and I have the daylight lamp operating. It also reminds me to take 2000 IU Vitamin D for every incremental hour of darkness. So in December I'd be taking 8000 IU of Vitamin D daily.

11 Responses to “Snap into Savings Reality”

  1. snshijuptr Says:
    1316023086

    It sounds like you might want to put everyone in the household on a discretionary spending budget. If you each get the same amount of money to spend on anything you want then you wouldn't have to resent pokemon and warhammer purchases and you would get your shoes and clothes.

  2. crazyliblady Says:
    1316023637

    Just an idea, Paulette. You could make a bargain with the man and boy. If they get "toys" like video games, movies, game systems, etc., you get something for yourself - a pair of needed shoes, clothing, haircut and style, or a nice lunch/dinner out. It is not too much to ask. You should realize that and they should, too.

  3. laura(momcents) Says:
    1316026515

    Well, I suppose that we as parents usually come last, though it sounds to me like your boy has a pal in your man, making it seem me vs. them. DH had several "extraneous item requests" - and he doesn't like to hear that Daughter 1 needs shoes $150 (looked for them used, but not her size), $100 for initial trumpet start up for Child 3, and Child 4 is in desperate need of soccer cleats. And Oh yes, our extraneous fund is presently a vortex recovering from $350 school fees (graduation fee $115, milk for 5 - $200, two yearbooks $40).

    Time to whip those boys into shape, so you can your well-deserved walking shoes and spruce up your fall wardrobe!

  4. NJDebbie Says:
    1316033408

    I suffer from Seasonal Affective Disorder. Can you explain the Vitamin D comment. I take vitamin D but not nearly as much.

  5. LuckyRobin Says:
    1316034424

    I thought you weren't supposed to take more than 2000 IU of vitamin D? I have SADS, too, but the doc only recommended the 2000 IUs and the light box (which needs a new lightbulb). I'm curious as to the 8000. Does it make a big difference for you? Also, I feel you on the hubster and the kiddos wanting all this stuff and we as mothers always being the last to get what we actually NEED, while their wants are just that...wants.

  6. PauletteGoddard Says:
    1316034779

    NJDebbie, I can tell you that the SunUp lamp has helped my Seasonal Affective Disorder -- I had more energy and will to live in the winter months. About my Vitamin D comment: I live at the 47th degree north latitude.

    Vitamin D deficiency puts one at risk for osteomalacia, rickets, falls, tuberculosis, psoriasis, multiple sclerosis, inflammatory bowel disease, type-1 diabetes, high blood pressure, increased heart failure, myopathy, breast and other cancers. Breast cancer and multiple sclerosis are at near epidemic proportions in the city where I live. It is projected that the incidence of many of these diseases could be reduced by 20% to 50% or more, if the occurrence of vitamin D deficiency and insufficiency were eradicated by increasing vitamin D intakes through increased UVB exposure, fortified foods or supplements.
    During the fall and winter months we do not receive adequate sunlight, so I supplement. I started taking 2000 IU of Vitamin D3 daily at the beginning of the month, in October I'll take 4000 IU,
    November 5000 IU,
    December and January 6000-8000 IU,
    February 5000 IU,
    March 4000 IU
    April 3000 IU
    May 2000 IU
    and go without from June through August.

    I took 2000 IU to 4000 IU for months prior to my Vitamin D3 blood draw, and saw I was slightly deficient (48.4 nMol/L). Thus I am taking more. The recommended daily limit for humans aged 19-70 years is 1500-2000 IU/day, Upper Limit of 10,000 IU/day. My mom died of breast cancer and I'm taking calcium & magnesium because my body isn't keen on nonfermented, pasteurized cow's milk, so I take more Vitamin D3.

  7. PauletteGoddard Says:
    1316035529

    LuckyRobin, I read Donald W. Miller's articles on Vitamin D on LewRockwell.com. Don't let the libertarian slant put you off: Dr. Miller is a cardiac surgeon and Professor of Surgery at the University of Washington in Seattle. Also, visit grassrootshealth.net. Right now its top banner shows a scatter-plot graph of Serum Level vs. Intake. For us, where we are, 2000 IU daily doesn't seem enough.

    If you go to the grassrootshealth.com website, select the Documentation tab at the top column spanning banner, you'll find a page with a link to this presentation PDF: "How much Vitamin D3 do we really need?" It is longer than Miller's article, but shows charts of controlled studies. Carole Baggerly's "Breast Cancer and Vitamin D" is informative as well.

    Daily intake in excess of 4000 IU does make a difference for me. The last winter I was vitamin D deficient I worked in an environment of severely stressed out people, and I caught pneumonia which took over five weeks to leave my body. Since then I make sure that during October to May I take at least 4000 IU daily. When I was in proximity to people with flu, I would recover within ten hours, whereas people who did not take Vitamin D would take two days to fight the flu.
    Vitamin D is so much cheaper than a flu shot, and a flu shot can't reduce risk of cancer.

  8. LuckyRobin Says:
    1316063092

    Do you take it all at once or do you space it out during the day?

  9. PauletteGoddard Says:
    1316065192

    I take Vitamin D all at once, as they're not horse pills. I have seen recommendations to take Vitamin D after a large meal, for optimal absorption. I've also been advised to take it with fat, so sometimes I'll wash it down with kefir or a smoothie.

    I've also put a link to my Vitamin D page, which is only a link to Miller's PowerPoint file on Vitamin D, Iodine and Selenium. Slide 15 you might find very useful, as it is a graph of Vitamin D stores among people living on the 48th parallel from August to August.

    I like slides 20, 21, 65 and 69. Iodine... I gotta get some iodine. The spirulina isn't enough.

Leave a Reply

(Note: If you were logged in, we could automatically fill in these fields for you.)
*
Will not be published.
   

* Please spell out the number 4.  [ Why? ]

vB Code: You can use these tags: [b] [i] [u] [url] [email]