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Halving a Debt Time, Glad You Are Here

October 15th, 2014 at 02:55 pm

For some people in the Atlantic Provinces, the month is half-over. My HELOC is, after an eleven-dollar adjustment, at half; my mortgage is a little more than half of my original 1999 loan of $184450, which in turn is half of what Zillow says my house is valued. Car Loan, not halved yet, but I've paid more than half of the car's retail price.

I did halve my credit card balance, by paying all of the October Statement. I booked the Japan return flight on that, and went to Nordstrom Rack (I can do a smart thing on occasion) for funeral clothes. Funny thing is that I had the presence of mind to call my credit union to ask for permitted charges from Japan merchants, but I never used my credit card there. I brought Yen but the Yen I purchased at face value were collectors' items (think Susan B Anthony dollars or silver certificates, or King George VI-era minted coinage) and no Japanese national was going to let me spend it! The women shouted "Sugoi!" (super, amazing) when I brought the bills out of my wallet. I also had an American national for a host who has a USD account so we did some arbitrage. I came home with: Hong Kong Dollars, Japanese Yen, United Arab Emirates Dirhams, American Dollars, and Canadian Dollars. I was not much loved at espresso shops, rooting about and finding every coin except those with white Presidents on them. My son had to buy me coffee with his birthday money (embarrassment).

I wrote earlier about smartphones. I probably could have used one in Japan: I didn't have constant access like what I'm used to in the US, and that caught up with my family when I returned to North America. My husband had the good sense to pack my laptop and drive it to BC (while our kid was at school! how great is it to drive to another country and back during your child's school hours!) the day after I arrived in Canada so I could communicate better and not be at the mercy of the hotel's desktop PC.

I'm fed up now with Virgin Mobile, and don't like that 7-11's SpeakOut Canada doesn't accept US credit cards (I have to show up at a Canadian 7-11 to buy minutes). We'll be investigating smartphones and a T-Mobile plan. Thanks to everybody who contributed useful information and explained their reasoning for going with the plans they have.

At one point yesterday we had $11.20 in our chequing (checking) account. Good thing the "House Master" as my sister-in-law puts it (we all know in real life our cat is the House Master, right?) gets paid in two days, and that we have turkey leftovers and wild sockeye salmon at $5.00/pound.

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