Random Thoughts of the Day

You know you’ve created an image for yourself when your coworker sees you with a Tim Horton’s cup instead of a Starbucks cup and asks you if you’re “slumming it” today.

Light coloured suede shoes, while very pretty, are the domain of people who work in clean downtown offices, and ladies who lunch. They are perhaps not well suited to my typical usage. *sigh*

Sweeping the porch and sidewalk seems to be a lost or forgotten task, which really is too bad. It gives you that feeling of pride in taking care of your home. Then again, I haven’t seen many neighbours with topsoil patches on their sidewalks. Yay lawn work.

If I didn’t care about the wasted water, I’d set my sprinkler up so that it overshot my lawn and washed my car at the same time.

I need to put a spending moratorium on myself during the weeks I’m on the early shift at work. It would appear that my “Needs” inner voice feeds on sleep, and my “Wants” inner voice feeds on caffeine.

Cheesecake for breakfast is amazing. It also hits multiple food groups ;)

When I’m tired I tend to get cold. I’ve been combatting this by dressing warmly in the mornings when I get out of bed. This is fine and dandy until I find myself walking around in the afternoon in a thermal henley when it’s 20 some-odd degrees out.

Pot holes are exceptionally common in this area. That being said, if you straddle a pot hole as you drive over it and your first thought is “I could probably lay in there and change my oil”, it might be time to fix the road.

I’ve discovered that one of the shades in the Naked Basics eye pallet is close enough to my skin tone that I can use it to mute under eye circles in a pinch. This may be the sole reason why I haven’t gone out and bought myself an actual under eye concealer yet.

The number of days I go without logging into Facebook is directly proportional to the number of uterine status updates I read the last time I logged on.

Those are more or less my random thoughts of the day. I’m off to paint dandelions now.

Recommended Reading: How I Pack For Travel

A Wander Through Tarjay

Perhaps it’s because I’m one of the last Canadians out there to have never done the cross-border shopping trek, but I really wasn’t all that excited about the opening of Target.

Seriously, not even a little bit.

To me, it was just another version of Walmart. A Walmart in which people apparently dressed better. Yay? When it was announced that Target was coming to Canada, and that this was going to produce a bidding war for consumers that lead us to prices as low as what our American neighbours pay, my first thoughts were roughly along the lines of “Pfft, right.”

That mental thought didn’t really change over the months that our gutted Zellers stores turned into new and improved Target stores. I anxiously awaited the opening of Simons. I dutifully waited for the opening of J. Crew. Target however? I heard about it on the radio the next day, shrugged, and thought maybe I’d go check it out.

Saturday rolled around and The Boy and I decided to check out one of the smaller locations that had opened up. It was still a gong show, with people waiting in long lineups with carts full of stuff (and people already returning things?)

The first thing The Boy and I both thought when we walked in? It looks like Zellers. An organized, brighter lit Zellers with more eye catching products, but we were still both immediately hit with the same vibe. I’m blaming the fact that both companies use(d) the same colour scheme, and the same style racks and shelving.

We wandered through anyway, and I was pleasantly surprised in some areas. Summer drink dispensers that I would have expected to be made of plastic at their price point were made of glass. Rather than printed serving trays that look like a throw back from the 70′s or 80′s, I was finding modern trays made out of reclaimed wood and glass. The same Libbey glassware that friends of ours had on their wedding registry at Bed Bath and Beyond last year were sitting on a shelf beside Riedel wine glasses. The Starbucks at the front was just a bonus.

We didn’t spend to long in the store. I picked up a couple packages of dish cloths to replace mine, which are starting to get rather… weathered? I wanted to find resealable glass drink bottles, but I didn’t have any such luck. The Boy isn’t big on crowds (or malls for that matter), so I put the dish cloths back and we left without buying anything.

Verdict: meh.

I’m on the early shift this week, which means I get off work right around the same time most people are getting back from lunch. Consequently, the stores tend to be a little less crowded when I shop after work. I decided I’d give Target another shot and check out the bi-level one that opened in West Edmonton Mall.

I’ve been looking for a couple oddly sized picture frames for a few months now so I could get some of the art I’ve acquired over the years up and onto the walls. It didn’t take too long to find what I was looking for. The price point was right around what I would have paid at Walmart, but it seemed like the corners on these frames were better constructed. I grabbed a cart and checked a couple frame sizes off of my list.

I’d like to get my sewing supplies up off the floor in the next couple months, so I wandered through the furniture section. The stuff I looked at had nice designs, but poor construction. Maybe it was just the samples they had put together, but I put the furniture I saw in the same general category as Walmart and IKEA furniture. Not that that’s necessarily a problem (almost all of my furniture IS from IKEA), it’s just that I’m at the point where I’d rather save up to buy fewer, well made pieces than another melamine flat pack with an alan key (or screw driver). I appreciated the number of different storage ottoman styles they had though.

I grabbed a couple of the aforementioned dish cloths and some dish towels to go with them. Nothing fancy. There were all sorts of coloured tea towels and whatnot, but I took a pass and grabbed the 5-packs of white ones. I usually bleach the kitchen stuff, so it works for me (it’s also WAAAAYYY cheaper).

I lucked out in the pharmacy section. There were a couple ~40% off “Store Opening Sales” that just happened to be on the products I use, so I stocked up on antiperspirant and tampons. TMI maybe, but if you’re near a Target and in need of either it’s probably a good time to check it out.

This store was my first encounter with a cart lift beside an escalator, so I absolutely had a geeking out moment watching that. The lift runs a little slower than the escalator, which is great because it means you have time to get on and off the escalator before your cart makes it to the top. Yes, this amused me. It also reminded me vaguely of the first time I was on a moving sidewalk that took me up a ramp. Apparently I’ve been using stairs for too long.

The grocery section was a surprise. There wasn’t any unpackaged produce or a butcher, but most of the remaining grocery store sections were there. Their price on bags of frozen fruit looked to be cheaper than what I’ve been paying on sale for my smoothie fruit, so I’ll definitely be keeping that in mind. Unfortunately there wasn’t much in terms of gluten free products, which is where I was hoping to find savings :( I’ll probably try grocery shopping here at least once to see how it compares overall.

There weren’t too many surprises in the clothing department from what I saw. There was a lot of fast fashion. I did notice a pair of black dress pants that appeared to be from a collaboration with another company. The fabric felt reasonably substantial, so it may be worth going back to check them out if I find myself in need of some new work pants.

I don’t know why, but I was surprised to see automotive and lawn care sections in the store. I guess I was still picturing Zellers as opposed to Walmart, because I know Walmart does tend to have those sections in their stores as well. I ended up grabbing a bag of grass seed, because it was priced lower than what I usually pay at Canadian Tire.

I ended up spending more than I intended to going into the store, but I can’t say that I regret any of the purchases because they were all things I was either running out of (antiperspirant, tampons, grass seed) or actively looking for (picture frames, dish cloths). From what I understand this is a common occurrence in this particular store, but I’m also going to partially lay blame on my lack of sleep.

All in all, having given it a couple looks now, I’d say it’s okay. It’s not American pricing, but I honestly wasn’t going to hold my breath on that one. It’s not the end all be all of shopping for me, but I saw things I could potentially see myself going back for during the summer (glass juice jugs).

How about you guys? Have you ever cross-border shopped? Have you been into one of the new Targets yet? How was your experience? If you’ve lived around a Target for an extended period of time, where does it fit into your shopping habits? Are there certain things you buy there rather than going elsewhere, or vice versa?

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Paper or Plastic?

I noticed something the other day when I was picking up some stuff at the store – I’m always paying with plastic.

I think the reason why I noticed it was the fact that my total would have been rounded up had I paid with cash. It’s pained me the times I’ve paid with cash and the total was rounded up. It’s weird to think that paying with a credit card actually SAVED me a couple pennies.

It’s fairly well established that using a credit card generally costs people more money because it allows you to stretch your financial limits further than your cash would otherwise allow, so one could have made the argument that I would have saved more by using cash because I would have thought about my purchase more, but in this case I doubt it. Seriously, it was a mother’s day card.

It got me thinking if anyone had noticed a change in their payment habits when the penny was abolished. I’m guessing that the majority of the population hasn’t noticed a difference at all, because most people didn’t care about those pennies to begin with. Seriously, my last roommate went through his spare change when he was moving out, picked out all of the pennies, and left them behind in a bag. That had me scratching my head.

I would guess that if anyone would have modified their habits in the slightest, it would be the PF community. So I’m curious, do you modify your spending habits when rounding is involved, or is it just business as usual?

Recommended Reading: I’m Back A$$wards Part 1 and Part 2

Pressure Relief Valve

I remember, very distinctly, being told at the age of 24 that if a woman isn’t married by the time she’s 30 it means there’s something wrong with her.

Granted, the guy who said that was an 18 year old construction worker who didn’t know a damn thing about women, but that statement struck a nerve with me. In being an arrogant young kid who didn’t know any better, he put into words a concept that, while not socially acceptable to say out loud, is heavily engrained in some parts of our society. Very heavily engrained.

I’m finding myself in the rather difficult position of being the last one in my social circle to either get married or have children. I do have a small handful of female friends that aren’t married and don’t have kids, but for the most part they don’t want them either. It makes it hard, because I honestly don’t have anyone in a similar position to commiserate with, and as a result I’m carrying a lot more stress than I think anyone should have to on this subject.

I come from a long line of women who started families at a young age. My mom met my dad when she was a teenager, got married, and had me in her early 20’s. I believe my grandmother was about 20 when she had my mom. My great grandmother would have been a similar age.

I was never discouraged from getting an education; in fact it was outright encouraged. I was the first person in our family line to get a degree. My family has always been very outspokenly happy about this.

On the flip side, it has always been an expectation that I’d get married and have children. It’s not a stern glare “you need to get married” type deal, but more a relentless barrage of questions. It’s not just from family either, it’s coming from all over. Regardless of whom I’m dating, within the first couple of months the inevitable questioning starts:

“So, do you think you’ll get married?”

“Do you think he’s going to propose?”

“When do you think you’ll have kids? “

“I’m looking so forward to looking after grandbabies”

“_____ needs a cousin!”

“You know you aren’t getting any younger”

“Why aren’t you married yet?”

The pressure to get married and have children is absolutely unbelievable. Some days I can handle the questions, other days I can’t. I just avoid talking to people on the days I can’t handle it. I’ve asked some people to stop before and been rebuffed with “It’s just a question”. Because the fact that it ends with a question mark somehow means it’s applying less pressure?

When I was younger the questions annoyed me, but I could deal with them. I was focused on my career, and I didn’t feel the need to have kids. I wasn’t 100% sure I even wanted them, the urge just wasn’t there. Marriage would come eventually.

I’ve been at the point for several years now that I do know that I want to have a family. The trouble with this is that it’s a two person decision, and as of yet I’ve never lined up with anyone I was dating in terms of readiness. When I was (much) younger I dated someone who seemed like he was ready to settle down when I wasn’t. Since then, no one I’ve dated has been ready to settle down. This mismatch is apparently quite common. The stereotype of the man who is afraid of settling down exists for a reason. I’d wager a guess that this is one of the reasons why the man is typically older than the woman in many couples – it just lines up better.

People are asking me when I’m getting married and having kids, like I’m somehow the one who needs convincing. I’m not. I want it badly, and not just because the people around me are shoving me in that general direction. Until my other half is ready however, there isn’t a damn thing I can do about it. What am I supposed to do? Badger him into having a family with me? Make him feel like he was forced into something he wasn’t ready for? Doesn’t that sound like a great way to start a life together…

So instead I’ve become the bottleneck. The pressure is absolutely crushing. I’d be lying if I said I’ve never cried myself to sleep over it. It’s insanity! Why do we do this to women? Why do we make women feel like failures if they haven’t reached the milestones of marriage and children by a certain age, but men are largely given a free pass, or at the very least, more time?

I had a man off-handedly refer to me as a spinster a couple months ago. If he hadn’t been one of the managers at my work I would have reached across the table and slapped him for it.

At 28 I would hardly call myself a spinster, but comments like that really do reinforce the idea that women are supposed to marry young and have children. It makes me feel some days like I traded a wedding ring for an iron ring. Is that a fair or accurate assessment? Not at all. In fact a lot of my married friends are Engineers.

I’ve had a few people, men usually, use the explanation that smart women intimidate most men and if it wasn’t for that I would probably already be married. Personally, I’m not really a big fan of that explanation.  Partly because there’s absolutely nothing I can do about it, but also partly because it reinforces the idea that a wife is less intelligent than her husband. I’ve never known this to be true. Many of my friends are married with children, some are stay at home moms, and none of them are stupid or of lower than average intelligence. Most of them are university educated.

So where does this leave me? In the exact same place I was when I started this rant, albeit slightly less stressed out for having gotten it off my chest. If you really, truly, NEED to know when I am going to get married and have kids, these are your answers:

Married: Approximately 2 months to 2 years after someone proposes to me (and I accept).

Kids: 9 months give or take a couple weeks after I get pregnant (and it sticks).

If you want something more solid than that, sorry, I’ve got nothing for you.

Recommended Reading: What bothers me the most about eating meat – the hypocrisy.

A Step in the Right Direction

Given that I slapped my first mosquito while working on the dandelions in the front of my yard last week, I figured it might not be a bad idea to shuffle some of my projects and get the outdoor ones done and out of the way ASAP.

Seriously though, mosquitos, snow and dandelions are not supposed to co-exist. Mother Nature, WTF?

After a quick trip to Home Depot yesterday, The Boy and I spent a good chunk of the day measuring, cutting and screwing to our hearts content. That last one sounded kind of wrong. You know what I mean though.

At the end of the day, I was the proud owner of a wrap around step off my back deck. No more step aerobics for me getting to my back door! A coat of deck stain (which I already have in my basement) and I’ll be sitting pretty :)

IMG_1130

My estimated cost for building the step? $190.30

My actual cost for building the step? $64.74

I’m hoping I can keep this up on my other projects :)

How was your weekend? Did you manage to knock any projects off your list?

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The Battle Continues

Dandelions are the bane of my existence.

A little back story for you: I bought my home in foreclosure in the fall of 2009. When I say foreclosure I don’t mean that the owners packed up their belongings, quietly handed over the keys and left. I mean that the renters they had as tenants didn’t take care of the place, and someone (renter? owner? both?) trashed the place before they left.

The interior trashing was largely cosmetic, but the outside neglect was deeply rooted. I didn’t realize this until the following spring when I realized the sod was largely dead, and was nailed down by a plethora of dandelions and thistle plants. Wanting to kick it in the butt as fast as I possibly could, I tore out the sod from my front lawn. The easiest way to do this? Dig out the dandelions. Without their tap roots acting as nails, the dead sod rolled up quite easily. As I dug out each plant, I sprayed a broad leaf herbicide (Killex) in each hole to kill any of the remaining root. I lopped the top off of each thistle and poured the herbicide down the hollow stem. Then I reseeded the lawn. My neighbour, who was battling her own dandelion problem as a result of the neglect on my property, thanked me profusely.

The grass grew in, but unfortunately so did new dandelions. Lots of them. That was to be expected though given the poor quality of the soil under the sod (top soil? what top soil?). The soil I put down was insufficient, and the weeds quickly re-established themselves.

The next year, I noticed that the weeds I had killed in the backyard using herbicide only didn’t actually die. They went dormant for the year, and then came back with a vengeance. Finding 6 or 8 new plants clustered around the original dead one wasn’t uncommon, so I decided against using herbicide that year. Instead, I got back down on my hands and knees and pulled them out one by one again, and focused instead on fertilizing and building the soil.

Digging weeds out the size of the ones I had left a bunch of holes for new seeds to conveniently fall into. For 2012 I approached weed killing a little differently: ADD FIRE!

Well, not quite fire. I borrowed my boyfriend’s heat gun and went around giving the plants a good roasting. It worked, or at least they went dormant, because by damaging the leaves the plant was not able to feed itself. Unfortunately, it also killed all of the grass  with a 1 foot radius of the dandelion. Given that I had so many, it basically killed my lawn for the better part of the summer.

This year, surprise surprise, my lawn is covered in the bloody dandelions again. Some big, some small, some already starting to generate flower buds (and it’s still snowing here!!). The grass doesn’t stand a chance if they take off. So, against some of my more organic sensibilities, I’m back to herbicide. Instead of using a broadleaf herbicide like I was before, I’m using a non-selective herbicide.

Translation: It will kill everything it touches.

Given that I don’t actually want to kill my grass, and spraying each dandelion would produce enough overspray that it would will my grass, I’ve resorted to a much more tedious approach. I’ve used lawn staples and twine to mark off a grid on my lawn archeologist style. Because feeling like Indiana Jones makes me feel better….

I’ve been working through my grid squares one by one, painting the individual dandelions with Roundup using an old eye shadow brush. I worked on it Wednesday night, Thursday night and Friday afternoon. My front lawn has 40 squares, and I still have 9 more to go. It hurt writing that. One of the couples who were out running last night said I was going to have the nicest lawn in the neighbourhood. At this point, I have my doubts.

If it wasn’t for the fact that the lawn care companies in my area are as bad as the gyms in terms of auto-renwing contracts, I would seriously consider hiring someone at this point.

I’d imagine that the pro-rent/anti-own camp is gleefully rubbing their hands together over my lawn misery, but I don’t believe this is a strike against home ownership. I could just as easily not care and be happy as a clam, but I was raised to care, and to take pride in my home.

I’d say the biggest lesson to take away from this is that you should take lawn condition into consideration when purchasing a home. It is possible to bring a lawn back to a healthy state (apparently), but you have to be willing to put in the work (or pay someone else to do it).

In the meantime, I’m going to continue plugging away at this. When I hit on something that works, I’ll let you know.

Has anyone successfully rid their lawns of dandelions before?

Recommended Reading: A less-is-more approach to fashion

70/30 Split

I opened my first RRSP account as a teenager in my formative college years. My knowledge of investing was minimal to say the least, but I did understand that the earlier I started, the better off I would be in the long run. To me, the investing equation looked something like this:

Mutual funds = 7% a year growth = Money doubles in 10 years = Young millionaire.

*insert mental picture of me doing the uncle scrooge backstroke through a vault of gold coins*

Reality is obviously a bit of a different story. I put some money into a couple mutual funds that I really knew nothing about, put money in sporadically throughout my younger years, and made absolutely bupkis off of them. I remember quite distinctly the “Are you f***ing kidding me?” look one banker gave me when I made an appointment to add $400 or so to my account before the year end cut off. Nothing says “Invest with us!” like looking at your young clients like peons.

I’d love to say I’ve learned the error of my ways and whipped myself into an investing machine, but if you’ve been following my blog for a while you know that’s not really the case. I’m still learning, and I’m very much at the beginning of my learning curve. I made some money off of what were essentially lucky stock picks over the years, and paid far too much money in fees for them.

Up until about a year ago, I was still putting money into random mutual funds, with no real direction. I didn’t really know how to find direction either. I knew I was looking for reasonably aggressive growth, and I wasn’t afraid of the occasional down year (hello 2008!).

Last summer I picked up a booked called Millionaire Teacher by Andrew Hallam. Andrew, the author, invested his way to millionaire status by his 40′s on a teacher’s salary using index funds. It was an easy, logical, straight forward read. I devoured it. Towards the end of the book there was a chapter of case studies, showing the different ways individuals could set up basic index portfolios.

The most basic one required only two funds: a broad stock index fund, and a bond index fund. The bond index fund is supposed to occupy the same percentage of your account as your age, and the stock index fund occupies the rest. The funds do their ups and downs over the course of the year, and any time you add money to them you add it to the fund needed to bring the percentages back to your target. For example, if the stock market takes off on a tear, you put the money into bonds, because the bond fund would occupy a smaller percentage of your account. If the stock market plummets, you put the money into the stock index.

What this does is take the emotion out of the equation. Most people, when watching the stock market go up, would try and chase it and to get returns while they can. On the flip side, when the stock market goes down, most people hold back on investing because they’re afraid of losing money. It makes about as much sense as avoiding a brand of pasta sauce because it went on sale, and instead buying the one they just jacked the price up on. It makes no sense. To quote Warren Buffett:

“Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy only when others are fearful.”

Basically, don’t follow the masses.

Maintaining a fixed set point of two (or more) index funds essentially does that for you. Instead of watching the market mayhem, you look at your percentage. If the stock index is up, you put money into bonds. If the stock index is down, you buy stocks. Easy.

As it stands right now, my personal account is sitting with a 70/30 split of stock index funds and bond index funds. I’m not 30 yet (I’m closer than I’d like), but I figured it was a nice even number to work with. Every two weeks I add a little more money to my account, balancing as needed. So far so good.

This obviously isn’t a bulletproof method for all investors. I don’t have any international exposure, which I would like to eventually have. It won’t give me the most aggressive returns. Being a stock index, it contains both garbage companies as well as goldmines. What it does do is give me a moderately aggressive account that will get progressively less and less aggressive as I age and my bond percentage increases.

Will my retirement savings always look this way? I have no idea. I have a lot to learn, and a lot of reading to do. What this is doing for me is giving my retirement accounts some easy to follow structure while I work on educating myself. I may follow a similar structure with ETFs in my TFSA once I get that back up and running, or I might focus on dividend paying stocks. I don’t know yet. It’s nice having a little direction though.

How have you structured your retirement and investment accounts?

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They’re All Connected

I’ve known for quite a long time that my body is sensitive to what I put in it. Whether or not I’ve chosen to do something about that and change my diet accordingly is a completely separate issue, but it is what it is. I’m allergy prone, and I have digestive issues. Such is life.

When I was a kid I used to get a rash around my mouth. The doctor my mom took me to said it was because I was having bile production issues and prescribed a strong dose of medication to get things sorted out. Given that I was a young child, my mother wasn’t too keen on giving me such a massive dose of steroids, and instead she gave me Dr. Fowler’s Strawberry Extract. It worked.

How did she know it would work? Well, she used to give it to our goats for similar issues. Yay farm life.

Over the course of my childhood, multiple food or food related items were removed from my palate. Mangos? Gone the moment they caused me to go into anaphylactic shock. MSG? Made me hurl. Corn? Caused my physical wellbeing to plummet anytime I ate it. Oranges and canned tomatoes made my lips swell if I ate to many. So on and so forth.

Fast forward to the summer shortly after I turned 18, and I was suddenly getting hit with what I can only describe as sudden abdominal attacks. If you can imagine pouring battery acid through your intestines, that’s basically what it feels like. There was no warning. One minute I’d be good and the next minute I wasn’t. It would wipe me of every bit of energy I had and I’d end up laying on the couch for a couple hours afterwards recovering. Just what every teenage girl wants.

Given my grandmother’s history of Crohn’s disease and Celiac’s disease, you’d think this would be a fairly easy one to diagnose, right? Nope. The doctor sent me for a single round of testing, for a test that is actually fairly easy to fail. If your intestines aren’t acting up at the time of the test, you fail it. When the results came back negative they labelled it IBS and gave me a prescription for some painkillers. I’ve never accepted the diagnosis. In my opinion, IBS is a medical catch all for “we don’t know what’s wrong, so here’s a name for it”. I never did fill the painkiller prescription.

I never really put these two together before, but my skin started breaking out when I was 17. It was a downhill battle from the time I was 17 until I was 26, with many, MANY attempts to fix it in between.

Around the time I was 23, in my last year of university, I realized that my skin’s descent into madness corresponded with my introduction to coffee. So, I cut it out. (right before finals, smart move Cassie…) After a couple weeks my skin improved, but it was never 100%. As my stress levels increased after university, my skin got worse again. Throwing coffee back into the mix sent it off the deep end. It wasn’t until years later when a dermatologist made the right diagnosis for me that my cysts actually healed.

Minus the occasional spot that pops up, my skin has been mostly healed for about a year now. When I look in the mirror I actually see my skin rather than just seeing red, swollen, blotchy patches. The benefit of this, is that I can actually focus on what my skin is trying to tell me, rather than what’s making my acne flare up.

I’d been having a pretty solid run of good skin days a couple weeks ago. Then one morning I woke up, looked in the mirror, and thought “wow, I really look like crap”. An hour or two later, I was hit with an abdominal attack.

*lights on!*

I knew that the two issues were related, but it never occurred to me that I could read my body’s status off of either one. I knew if I ate poorly I’d break out, but I never thought I could read my body’s internal status by changes in my skin.

I did a couple weeks worth of morning shifts at work a couple weeks back. Mornings and I don’t get along, and we’re talking about being at work by 4:30am. I drank a tonne of coffee in the mornings to try to wake up, couldn’t sleep in evenings because my internal clock said no, didn’t eat properly because I was too tired to cook… basically a perfect cocktail for whole body misery.

As a result, I broke out like crazy. Like, return of the cysts crazy. I almost cried. Then I went downstairs and made myself a spinach, pomegranate, mixed berry smoothie. The next day I made another smoothie. Then I made a spinach, avocado, kiwi, coconut water smoothie. I made a chicken and mixed vegetable curry and ate that for dinner at work. I cut all of the crap out.

I started sleeping better.

I didn’t wake up groggy in the morning.

I felt like getting stuff done around the house (clean bathrooms FTW!)

I even went for a short run.

My skin glowed (around the red spots)

And the cysts started to go away.

My mind is blown.

I do wish I could figure out definitively what is causing the abdominal issue, but for the time being I don’t know. The attacks are far less frequent than they used to be, likely due to some of the dietary changes I’ve made over the years (gluten free being the big one), but I still get them. This skin/intestine epiphany has been quite the wake up call for me though. I need to take care of myself. If I’m going to keep doing shift work, I’m going to have to take my weekend food prep seriously, because I’m far to tired during the week on the early shifts to even consider it. It needs to be a priority. Starbucks is a treat, not an alarm clock crutch.

Who am I kidding, Starbucks isn’t even open at that hour.

Do you have any big batch recipes that keep well when made in advance? Any veggie heavy ones? If you have food issues, how to you work around them? Have you ever noticed a link between your skin and other parts of your body?

Recommended Reading: How and where do I get started to invest my retirement savings or money (Canada)?

The Debt Shadow

I’ve been more than a little frustrated the last couple weeks. My bill payment oops, which is still as of yet unresolved, put me back on the debt treadmill. An interest free treadmill, but a treadmill nonetheless. What’s worse is that even though the balance is largely cut down, I couldn’t see a distinct end to the treadmill in the coming months.

It’s entirely of my own doing, but that doesn’t make it any less frustrating. When I paid the debt off, I told myself it was time to finish fixing my house. Three and a half years of living in a construction zone will make anyone go batty. I planned it out, figured out reasonable dollar figures for each month, and accepted that other areas (investing) would have to suffer for a while. What I neglected to realize however, is that the effects of being in debt don’t up and leave just because you’ve paid off your last remaining balance.

For most people, paying off a substantial portion of debt means learning how to say no to yourself. It means learning how to make do and stretch what you have when you don’t have money. Some things you can stretch indefinitely, while others you can’t. Eventually though, something has to give. I got really good at saying no to myself, so it shouldn’t be surprising to me that things are starting to catch up.

I was feeling stressed and panicked about the next couple months’ worth of expenses, so I wrote out everything I needed to pay for over a 3 month period. The results were pretty eye opening.

Mandatory Expenses

  • License renewal
  • Vehicle registration renewal
  • Professional dues
  • Oil change (new engine in the car, need to keep up changes during the break-in period)

Put Off Due To Debt Expenses

  • Reno expenses
  • Haircut (was approaching a year since the last one)
  • Summer tires (only bought winter ones when I bought the car)
  • Work boots (Killing my back and knees, put inserts in as a temporary fix)

Family Expenses

  • Sister’s birthday
  • Grandfather’s birthday
  • Mother’s Day
  • Father’s Day

After seeing everything all in one spot, I’m not surprised I was feeling overwhelmed. If I hadn’t been in the habit of putting things on the back burner, a lot of these would already be taken care of (work boots, etc…). If I hadn’t been in debt, I wouldn’t have been putting things on the back burner in the first place. The built up list of things that require fixing and/or replacing due to being put off is my debt shadow. I don’t feel like I’m out of debt, because I’m still in debt to my to-do list.

Are you experiencing a debt shadow? Have you ever encountered this before?

Recommended Reading: Finding the Market Value of Financial Advice