Unpredictable life 

Happy Birthday Canada 🇨🇦 

I haven’t posted much because life has been crazy. I’m home from my visit with my daughter now and she is still struggling since the car accident but has a great physiotherapist and will be following up with the neurologist soon.

I had mentioned before that we are trying to pay off debt and budget with envelopes. I had tried the virtual enevelope app called Mvelopes, using the free subscription but recently learned that they intend on charging everyone beginning in August. This makes no sense for my family seeing as we are trying to pay debt and save money, not spend more! 

So I recently found the Better Haves app and am trying it. It is free, and you can share the app with another using their email. So far it has not limited the amount of envelopes and there is the option of having shared or individual envelopes as well. There is also tracking for general savings. It doesn’t connect to bank accounts so this is good for me as I worry about the safety of that option. It did take a bit to figure out how to transfer from envelopes, change envelope amounts or income amount. Every month I will have to enter this info for the new budget, but that’s good for me as I need to be able to budget with my spouse each month (and the amount towards our variable expenses changes). 

This month is difficult as I had to make the impromptu trip, and I still haven’t figured out how I am paying for school in September. But I trust that with some planning and faith, everything will work out the way it is supposed to! 

My health is okay. I have a meeting with a specialist at the end of July and continue Physiotherapy, Kinesiology and Massage therapy. I also see my surgeon at the end of July. I am hoping things are improved by then but I know that my vertabrae has slipped another 3mm since surgery… for a total of 12mm now… so we will wait and see. 

Going to take my youngest out and celebrate the birthday of Canada and enjoy the festivities once my husband gets home from work. Hope wherever you are, your day is a blessed and happy one!

Good life 

Today I went to my bank and asked them to wave my banking fees as I am a student. I have to bring in my student card every year, but it is worth it. I kept forgetting that the bank can do this and could have saved $25 a month in monthly banking fees… that is money I can now put towards debts. 

I also had coffee at a local Resource Centre and received a free shoulder and neck massage as there were students who needed practical experience. That was an awesome treat!

I have started physio, kinesiology and massage therapy now. I go twice a week for physio and kinesiology, and massage once a week. I have done one week so far, and I am sore but okay. I am hoping to have more strength and less pain after the 14 week program. I find that my back is still sore after doing any prolonged standing or walking and my foot is still sore and randomly goes numb. I still have some nerve pain at times but it is better than before surgery.

Overall life is good. And the weather here is beginning to warm up, so I get to spend more time outside on our deck enjoying it!

Month 1 limited budgeting

We made it with our limited budget this month, and still had a little bit left over so I put it into our debt to pay off a bit more. Our budget is the same for May, being limited but I did add a couple more categories I hadn’t considered – a monthly miscellaneous category for those times I give change to someone who needs it or we pay a parking meter, and a medical category, since I know I will need new glasses eventually. 

I am hoping to make it to the end of May with leftover money to put on debt, but we will see. 

We have planned to be without debt other than our house a year from now. It is a tough goal, but if we follow the budget it is doable!

I have been menu planning and we have eaten out less often, and my coffee addiction, well, we go less often but I still need to work on it!

How do you cut costs?

When cleaning and budgeting makes you happy

Today was a beautiful, sunny and productive day! I slept in, and sleeping is pretty rare for me lately. Then I had a coffee and began to clean the house. It takes me a significant amount of time to do this. Sometimes I don’t ever complete it. 

I started in the bathrooms as my son is sick and because my immune system is compromised everything must be, for the most part, germ free. Normally I skip cleaning the bathtub because it is hard for me to do, but today I managed to complete this as well. 

Then I took a break and took apart the vacuum cleaner so I could clean it (dust and dog hair all over a vacuum kind of defeats its cleaning value). I vacuumed upstairs and put the dishes in the dishwasher. Then I took another break.

My son was sick all day Monday but went to school today. I picked him up to take him to work. He said he still felt seagull but wanted to go to work anyway. I dropped him off and went back home. 

Since I cannot mop the floors with a mop well and was sore from vacuuming, I hand washed them. It took 3 hours, but it got done. And I wiped all the switches and handles in the house with Lysol wipes. 

When my hubby came home we splurged and went out for dinner. It was a nice treat. We have been doing very well on our budget, and still have a fair amount of money left considering there is only 12 days left in the month. It is a good sign 🙂

After supper hubby helped me make turkey stew and turkey noodle soup that we froze for dinners later. I feel like I really accomplished things today. Hoping tomorrow will be just as great. Thankful. 

Trusting the path chosen for me

Life in our house has been challenging at times. Almost 4 years ago now we moved to this house. We bought this house with a downpayment that was made by saving income I made and living out of jars with my husband’s income (what was left after the bills were paid). Our mortgage is higher than our rent, and after we moved my injury worsened causing higher medical bills. I am working now, so we have lost my disability payments. We spent money we didn’t have, and now I find myself forced to follow a budget and go back to our jars.

I am not complaining. We don’t do without. Our bills are always paid. But my daughter wants to go back to school, my son graduates and begins college soon, my husband put his school on hold, and I would love to complete my degree at some point. Added to this, we are waiting to hear if my husband is going to have to move for work. Talk about moving or retiring, these things concern me.

I am trying to trust God in this. I am trying to listen – to know what to do. I have voiced that I love my job and am not wanting to leave it, and my husband doesn’t want me too either. But do I let him go if he has to and just see him when he is off? Would I want to live apart to keep something for me? Am I being selfish?

Trust in the Lord with all your heart
and lean not on your own understanding;
in all your ways submit to him,
and he will make your paths straight.