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tiny steps, long paths, new cookbook

February 22nd, 2015 at 11:05 am

I am considering a savings/debt allocation system that will allow me both some financial cushion and accelerated debt payoff. I have a spreadsheet that estimates our auto loan could be paid in full between November 2015 and April 2016. Life without that payment would be easier, plus I suspect that when we move, and apply for another mortgage elsewhere, the end of the car loan will factor in our favour. When we increase our cash reserves by $300 monthly, $75 is divided into accelerated payments for the car and the home equity line of credit. I'd like to have $120,000 in principal paid off on the house by the end of 2015, hence the payment to the home equity line of credit.

Have I mentioned we've paid over $40000 in mortgage?

Zillow predicts a 1.7% increase in our property value for the year, but I doubt the growth rate will be that low. Not just wishful thinking: a school is currently under construction 1.5 blocks away. We live in a cheap neighbourhood overcrowded with students. Although we live in a cheap neighbourhood, crime's relatively low -- I've never heard gunfire nor seen crime tape in the 16 years I've been here, this part of the city is great for school kids. I'd like to see if I can sell the house for 10% beyond what Zillow says its value currently is. Who wants a new school? Who wants to live on a property with a big lawn and walk only 1.5 blocks to the new school? Families with children.

I bought a sports bra yesterday, a sign I am serious about fitness. I started a crunch, sit-up and squat challenge four days ago, and began drinking apple cider vinegar. Next on my list will be adding intestinal gut flora to aid with digestion. Also I'm doing an eight-minute daily energy routine and even yoga a few days a week in my house. I'd like to try fermenting and pickling produce. I love kombucha tea but am not convinced of its health benefits. I'm sticking with yoghurt and berries for now. Gradual small changes. I want to stay with what works: I'm encroaching upon a size 14, my thighs still touch (are they supposed to?) and clothing choices are limited past size 12 in the US I have noticed. Ultimate goal is to reduce to between size 10 and 12, lose four-five inches each in hip and waist.

I also bought America's Test Kitchen's colossal instant classic The New Family Cookbook, and I used a coupon. I hardly ever buy things for myself. I sometimes think I have too many cookbooks: I certainly don't use some very often, such as the ones before 1985 or the ones for "ooh la la" entertaining. I saw this compendium of over 1100 recipes and thought: yeah! We tried Honey-Lime Glazed Salmon and that was excellent.

6 Responses to “tiny steps, long paths, new cookbook”

  1. rob62521 Says:

    I rarely purchase cookbooks because there are so many recipes out there that are either impractical for our eating habits, or things we wouldn't eat. Glad you found one that had some good recipes in it.

  2. TD Says:

    I giggled when I saw your comment about thighs touching. It's so silly to me that is such a hot topic today. I can't remember a time in my life when mine didn't - even when I was a teeny tiny thing in high school. Poor girls these days have such ridiculous standards to live up to!

    Good luck with getting fit, though Smile Sounds like you've got an awesome game plan!

  3. PauletteGoddard Says:

    I agree with you, aTD. Eighty, even twenty years ago it was expected that women's tums would thicken. I was pole-thin before I went through childbirth, and then the hormones kicked in. Years of stress added adipose to my gut and curves all around. I never thought I'd go from an A-cup to a D. My metabolism slowed. I honestly don't know if thighs are supposed to touch. I do know I shouldn't have the waist circumference I do, even at my height.

  4. Kiki Says:

    I recently saw an article interviewing the leader of Zillow where he admitted their numbers are wrong up to 50% off in places like NYC or larger markets but also smaller market by 15% on average so use their estimates carefully. They even have a disclaimer about their estimates. They were off by more than 40 grand for my recent house purchase which was about 16% off.

  5. CB in the City Says:

    I'm a size fourteen, and my thighs touch! I think they always have, except perhaps when I was a child. Metabolism does definitely slow down, especially for women of a certain age. I have stopped stressing it so much; just trying to concentrate on healthy habits instead of my silhouette.

  6. PauletteGoddard Says:

    CB, what healthy habits have worked for you? I've lately concluded that my diet of whole foods, cutting out dairy and reducing grains, adding cinnamon or coconut oil to the coffee, and portion control alone just aren't doing it for me.

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