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Magical Saturday

September 5th, 2015 at 02:32 pm

We, not the royal, martyred, sarcastic we but the family plural we, are cleaning. That is magic in itself. I couldn't find the $300 cheque made out to me until I opened a book called _Smart but Scattered_ and there it was, wedged between pages. You rest a spell and let that irony seep in. You see, when there's $300 to be found, I find also motivation to pick up every white piece of paper and determine if I need it or if it can go elsewhere. I also found $33 credit slip to one of my fave used bookstores. In a search for the cheque (I offered a "dessert place of your choice reward" to the finder) the spouse found instead a softcover overdue library book the tot could not bother to remove from an open sack a whole thirty inches away from his internet-obsessed carcass' six-hour parking spot for... twenty-five days. "No, I'm not an addict! Durrrrr. Oooh new gaming video on YouTube. "

We have already splurged on a Rug Doctor rental to clean a rug. A futon cover is in the wash, as we'd like to sell the futon and the coffee table and make a new, minimized household for ourselves.

I chose the old school fill in with pencil home account ledger instead of Mint.com, YNAB, GnuCash or KMyMoney. It won't keep track of my stocks and funds, but do I want to look at that stuff right now? My psyche is fragile.

I am down to below 152 lbs, just a little over 1.5 kg away from my goal weight.

what's new?

August 23rd, 2015 at 09:58 am

I am on my ketogenic diet again, with the cheat of a chocolate chip cookie once a week. I am down to 155 pounds. A belt I bought in a fit of optimism a few years ago I can actually cinch three notches, and I know this because I've had to use the belt to keep my size 12 pants from sliding down to my hips. My circumference around the hips is now less than a metre. I'm excited by this because it seems to be the only medium-term goal I've succeeded at in six years. However, I get so few "yays", probably because I post my victories on a forum where women have lost a phenomenal (I mean one extra adult-woman) amount of weight, or because I post on another forum where women just aren't as adventuresome or carbohydrate-sensitive as I am. I'd like to lose 4-7 more lbs, mostly about the waist. Exercise would help but I am not cleared for exercise because...

...I am still getting massage treatment for my back and it still hurts sometimes. Paid for by the driver's insurance. My car's restored from the collision and it looks beautiful. We missed it; our rental car was not kind to my back and we lost touch with the "put the key in the ignition", "put the key into the lock" machinations of making the car go.

Cluster flies swarms popped up last week: yecch. Seems the men went on a swat rampage but we still have some. The important thing is there aren't enough to make our rooms terrible at night. They must have been dormant in our house for so many of them to show up at once. We have strips to catch the downstairs ones, as our windows are painted shut.

Back to school shopping has begun. Our little boy is taking Algebra which meant acquiring a TI-84+ graphing calculator. Until yesterday Office Depot had a sale, but even with that sale we'd have spent $50 beyond the price my spouse agreed upon for a private seller TI-84+, with cord and manual.

Won $40 Amazon.ca (yes, .ca) gift certificate. Worth about $30 US. Probably half of that would get eaten up by delivery, but better than nothing.

I am now putting extra payments to the car. I may swallow my pride and have some credit card debt for awhile, if it means getting rid of the $282.21 monthly payment. I'd still pay less in interest because the balance will be smaller and it'd be for a shorter term.

I have a new laptop, dual boot. I can either use WINE and have YNAB on Windows or I can use KMyMoney on the Linux Mint desktop or I can use pen and paper for accounts. I haven't been budgeting for the past two months.

August update

August 1st, 2015 at 06:43 pm

It is hot in BC. My friends are dealing with health issues. Everyone hates the government, but they hated the federal government since always, what's different here is the premier's obsession is Liquid Nitrogen Gas. I don't have my annual twinge-moan of "why don't I live here?" but have instead "I'm so happy I live where I do." I can't vote in either country, but boy is it fun to point to Donald Trump as Someone Else's Problem. People ask me if I've heard about Donald Sutherland's letter to the Globe and Mail. They gripe about the exchange rate.

My greatest friends right now: the US and Canadian border officers. I shuttle back and forth over the 49th parallel with the minor, and they're very casual about asking our relationship. I came back from an afternoon in Lynden, a pioneer town populated by Dutch heritage people, and very sweet people: someone apologized to us for stopping in the crosswalk as we walked (!). We were never in any danger, she was going far below the speed limit.

I'm not in town for the Greenwood Gumshoe, and I last up to three hours now before my auto accident injury complains to me, and I have garden watering duties in BC in the evening, so I am not helping baselle to another great year of winning prizes. Disappointed, because when we're all healthy and painfree, it's fun to walk around with the question sheet solving puzzles and interacting with the other gumshoers. If she wants to ask my spouse for help, he'll help.

I am off my ketogenic diet, but still am trying for low-carb and high-fat. I fit in my bathing suit with no unsightly bulges!

I have a new laptop: 477 GB for $240 US. So that's one savings goal accomplished. My sweetie already installed a network connection to our local wifi, bless him.

Challenge of Dealing with Disappointments & Drawbacks

July 20th, 2015 at 01:51 pm

I am a week away from departing for the homeland. This week I eat down the stores and learn how to responsibly dispose of the food, detritus and distractions that are not good for us. I was going to plan an exercise regimen but maybe burning the calories as a human whirlwind may be more constructive. With the weight loss my hormones are rebalanced: an estrogen dominance thickened my waist, an estrogen deficiency brings the return of hot flashes. The release of body heat, perspiration, hormones and ketones was a heady scent-stew that sent my cat racing into our bedroom, right for ME, to check up on me. Cats are insanely gifted at smelling things.

I have learned that my returned right to vote has been overturned by a province's Court of Appeals -- not the province I most recently lived in, but the nation's capital happens to be in that province.

Also learned that I need more information and to share more information with my optometrist. We are stymied by insurance's irrational and unexplained restriction on quantities for renewal. My plan B, with doctor's blessing, was to head for a Canadian pharmacy, but the optometrist wrote out quantities for over 90 days, which Canadian pharmacies will not fill, and furthermore I require a Canadian physician's approval for filling the prescription. My field of vision and intraocular pressure remain stable: I won't qualify for a seeing-eye dog anytime soon.

The circumference and weight loss is still working, even though I remain wary of its drawbacks. Down to 40 inches, or 101.6 cm in the hips, and 32.5 inches or 82.5 centimetres in the waist. Not low enough to buy new clothes. The family is not touching much of the refrigerated leftover starches I made for them. We have learned so much about metabolism of carbohydrates, gluconeogenesis, insulin resistance, glycine, trace minerals, benefits of bone broth, intermittent fasting. One man improved his glaucoma with a ketogenic diet but his personal experience and three paragraphs of Adelle Davis' _Let's Get Well_ are not a sufficient base of evidence for me. The man suggests he may have had undiagnosed diabetes, the symptoms of which reversed with metabolic adaptation. Adelle Davis suggested supplementation with wheat germ, fortified milk, lecithin, and B vitamins. Milk gives me stomach cramps though.

The interesting thing is until I went on this low-carbohydrate diet I was going through butter at the rate of a pound a week. Butter is fat, and is important for keeping a high ratio of fat to carbohydrates. But because I'm not using it on pasta, potatoes or bread, and instead for eggs and vegetables and with olive oil for sauteing animal protein, I seem to have a lot more of it. The vegetables I eat now: cauliflower, asparagus, tomatoes, celery, leafy greens don't use so much butter, except for green beans.

Debt-wise, some karma monkey is chucking wrenches into my works to pay off the car loan: buying new tires for the bike, bimonthly utilities, semiannual vehicle insurance, a new computer to take up north. The good news is if we switch to T-Mobile, we can use our phone on Canada networks. Right now I lose $1.25 in minutes cash per month on Canada's 911 service fees. And the Canadian dollar is dropping. I'll still be buying dairy on my way to the border though.

I'd been paying so much attention to macros and summer reading I haven't been inputting my numbers.

Got something to let out, thankfully not my clothes

June 27th, 2015 at 12:51 pm

I've lost a few inches on a low carb, high fat diet, and I didn't even exercise. I was scared at first to check my weight, because the sizes I wear are those reported by those who report a weight I was at just before I gave birth, and the sizes I want to wear are reported by people my height who are around fifteen lbs or seven kilograms or just over a stone less than that. My gut is still bigger than I want it to be though. I'm thinking maybe I should exercise to cut it.

I just learned this week about ketogenic diets, just joined reddit this week and am learning lots.

The healthfulness of the diet I initially found questionable, especially after my messy, scary blood clinic episode. I have since added potassium chloride to my dining table, and put a few shakes of it into my drinking water, and supplement with magnesium. I do miss my toilet-bowl wonders, those daily affirmations I have a healthy colon, though. The body's grabbing its glucose from fat stores and not from ingested carbs, so I let less out than a government or St. Louis Cardinals online database.

I am having more coconut oil, a little more these days. Working up to five tablespoons a day.

For the vegans and high-fat diet fans, a

Text is recipe and Link is http://www.dulanotes.com/french-press-cold-brew-coffee-with-vanilla-bean-coconut-milk-creamer/
recipe for cold brew coffee with vanilla coconut milk. Low-sugar people, well, maybe do without or reduce the coconut sugar.

It is summer: I feel I must change the landscape of my lawn to get the house ready for sale next year, but I have so little cash and am such a newbie I'm paralyzed by lack of ideas, knowledge and resources.
I may need some help/push in the right direction for where to begin.

A plus: the house now has greater than $300K equity.

The boy received his McDonalds stock funds. I wish the Direct Purchase Plan stocks we have performed better. Slow and steady may win the race but they have to rely on momentum zippers stalling or reversing.

Off-topic, possibly off-putting

June 12th, 2015 at 08:45 am

At one supermarket, I won't say what chain or what location, I seem to get free food without asking. I don't consider it stealing: stealing is when you're in the aisles and you take merchandise with no plan to present it for purchase at checkout, you exit the supermarket with goods unpaid. That to me is stealing. Even popping grapes at produce is stealing, in my book. When you present all the merchandise on the conveyor belt, with your bags and coupons you signal to the checkout counter staff your intent to purchase. Anyway, I ended up with free halibut (!!) one time and yesterday free organic chicken breasts, both items I put on the belt with merchandise I was charged for. I believe that if one's going to get free food always get the good stuff, none of this spray cheese or Dinty Moore stew business. I believe what happens is that the checkout "override" for original price (I'm no spender, I wait for the halibut and chicken to be marked down half-price before it goes in my basket!) doesn't go through, the food package sports a "freeze or use by" today's date sticker, and the counter person either doesn't scan it at all, or says "whatever, there's a line forming and we can't sell it tomorrow, enjoy your free food." This happens only at one location though, not the one closest to me.

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I made the difficult decision to stop blood donations. In March I had a vasovagal response of vomit and lightheadedness, on Wednesday I had an epic "Elvis moment" response: passing out on the throne, coming to on the floor (okay so Elvis didn't revive in August 1977), skidmarks on clothes and floor and my lunch and dinner exiting the entry way on my Marimekko top. I had to wear a Tyvek blue shirt, and be wheeled out in a chair to the donation area, with my puked-on Marimekko shirt in a plastic bag. I felt like such the rock star (Amy Winehouse, Janis Joplin, Jimi Hendrix...). If I knew how to prevent that, I would continue with the blood donations but let's consider: I made the appointment on Monday morning when a blood bank volunteer telephoned me; I said to her I did NOT want to throw up again; she said I should be well hydrated and start drinking a lot of fluids immediately; I consumed 80g of protein and 84 fl. oz of water Monday, Tuesday and Wednesday. Wednesday I made my own electrolyte drink of lemon, honey, water, baking soda and sea salt, and sucked down 24 oz of that prior to blood donation. My vitals were a little high but lowered within three minutes at first check at the blood clinic. A nurse called me the next day to see how I was, and to try to identify what could have caused this severe vasovagal response. She wasn't the investigative sort, which is a pity, I'd have trusted someone with medical training to advise me on preventing this. She said it was unusual for someone who's given 3 gallons cumulatively to suddenly develop this reaction. If the only advice I get from the blood bank crew is the advice I already followed, it's obviously not going to help me.

So many people in this country eat tons of carbs, sugars and starches: why don't more of them give blood? They probably wouldn't be passed out with their pants down in the bathroom.

I did eat some sugary bakery treats yesterday after Wednesday's debacle. I wanted some evidence that life is still living, and a chocolate eclair and strawberry danish were pretty convincing...
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My husband tossed my handmade soap away because the plastic container was warped. :-(

Exasperation Level Reduced by $700

May 27th, 2015 at 06:22 pm

The clarinet was found in our house. I took it in for repair to pads and replacement of cork, costing $86.70. So that's a few hundred saved. The retainer is... I don't know where. It's difficult for me to believe it's outside the house.

I've reduced my waist by an inch. My tops hang better now, no shaming skin bordering the hem and bottoms. The sad things are that my macronutrient intake is not sustainable, and the diet requires a greater outlay of $$ after week 3, but it's good to know that I can reduce my waist. How'd I do it? I upped my caloric intake and consumed more nonhydrogenated saturated fats, introduced digestive enzymes and probiotics, ate eggs daily. I avoid grains, sugar and milk. Sugar is especially bad for me as I wake up in the dark with dry mouth and night terrors. I'm sure I'd have made more progress with exercise.

The dairy I do have are yogurt and butter. It may have merely been water weight or glycogen stores that were flushed away, but hey, one inch went, plus! I have no salt cravings. The disappearance of salt cravings means potato chips with their salt and starch don't tempt me, so only nutritious calories go in. If I need salt I can use potassium iodide or pink Himalayan salt.

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.

Cats, Clothes, Calisthenics - the Monday Update

January 12th, 2015 at 02:25 pm

I'm in shock at my $313 water/sewer/yard bill. I will check the outdoor hoses for drips: I can't hear any drips or see any leaks inside the house. Normally it's $250 for yard, water and sewer for two months. We have not had freezing weather that would make the pipes burst.

DH needed to go out and for me to go with him on Sunday so we went to Value Village to go buy clothes for the boy and for him. I didn't have a wardrobe plan of what to buy so I merely admired but did not buy the Coach and Chanel purses and totes attractively priced for under $100. In retrospect I perhaps should have used the 30% off coupon in the Chinook Book for their purchases. My little one still has smaller feet than I do, yet he takes a size 16 in pants. He is shopping in the men's section now, although for small sizes. He is still eight inches shorter than me.

I have not bothered to weigh myself, but am programming via temporal tap my body to reduce its set weight to 140 lbs. I know I am at least 168 lbs. and am still fitting into US size 12 clothes. It looks like if I drop to 150 lbs I will get into a size 10, and size 8 at 140 lbs, according to "My Body Gallery: What Real Women Look Like."

Negatively worded phrases "It's not my fate to be fat" for example are repeated as the finger tips tap around the left ear; positively charged phrases like "I'm looking fine when I weigh 139" are "tapped in" the same way over the right ear. It's important to find and use personal phrases your body's inclined to use as truth. For example, someone on the metric system probably wouldn't want to use 139 as a number. The messages don't have to be weight-based, even. If you have salt cravings like I do, you may find tapping messages helpful for preventing a 15-oz Chex Mix feeding frenzy. Or you might program your mind and body to return your wardrobe to two sizes smaller than present. More on the temporal tap

Text is here and Link is http://www.touchforhealtharchive.com/Journals/1990/1990Frost2.pdf
here (PDF). What I don't like is that one has to do it five times a day for about a month to see benefit from it. It's like using St. John's Wort for depression, or starting from absolute couch potato when undertaking a new exercise routine. A challenge for the easily sidetracked and impatient like me.

Debt payoff is still the dominant goal for us financially. Until February 1 I'll see if I can raise our assets by $102.60. I'll likely end up cheating by adding $4543 worth of stock and house value increase as $4440.40 of planned and unplanned expenses fly away from us. I'll be gleaning what I can from your blogs.

We sort of have a new cat. Okay, we are feeding someone else's cat. In the summer, after our white cat died, our brown one would venture out and not always come back when called in the evening. We tried shaking the treat bag, and a large ginger neuter came up: "Hey you have treats!" Now the large ginger tabby waits for us to return home, or scratches at the door, to get at our cats' food. Our resident animals are too old and puny to resist other than a perfunctory hiss when they're up to it. He doesn't stay in the house long. He is a happy nomad and not Otto von Bismarck.

Giving GnuCash another go. This time it is easier, as long as I don't jolly myself into thinking I can save and import my TD Ameritrade balances and transactions. I haven't used any of the Loan Wizards either, as they give me months upon months of automated payments all with the wrong amounts. I'm cheating by pretending I owe more than I actually do. My genuine totals owing are in the sidebar.

How are you today?