November 14, 2019

***FYI: I am collecting donations for our Lakota families until Nov 17th. Details in the Giving paragraph. Half of any proceeds from the blog during this time (see sidebar) will also be added to those donations.***
Ali’s money background story resonates so strongly.
How are you preparing for holiday spending and avoiding holiday debt?
I very much appreciate these thoughts on consciously resting.
Thefts in Potrero Hill. I had trouble getting through this story because everything about it was frustrating.
Yes, I am in the cozy season: blanket, small heater, baked some bread.
Sarah Gailey’s story of living with chronic pain felt like she was me. And I would choose to be Away almost all the time too. To be able to choose when to be in pain, to be able to choose to take risks that could result in pain, because you know it’ll fade away is an unbelievable luxury that I don’t remember. I can’t remember not having to calculate how much I’ll pay for each exertion, and each choice, and everything I want to do, down to laying down at a particular angle.
Billie Lourd on Becoming the Keeper of Princess Leia. I wasn’t old enough to love Leia in real time when the movies first came out but I came to the Star Wars universe around the 90s and loved her, and General Organa, and Carrie Fisher. This article made me tear up.
This architect doesn’t live in the real world and also is an idiot: “The super see-through material, Tschapeller said, challenges the idea of the floor as most stable elements in architecture. When I told him that I could see clear up into the stacks at other students, he urged visitors to respect each other—no creeping permitted.”
I thought our dentist was bad at this online booking system thing – they require a separate email address for everyone, including minor children. Sorry y’all, my 3 year old doesn’t get an email address!

Meanwhile, Costco has been touting their pet prescription refills and THEY want my dog to have a separate email address. Really. There’s no better way to do this, like, perhaps a PET sub-profile?
Cat Touchdown
November 11, 2019
***FYI: I have been collecting donations for our Lakota families (will continue until Nov 17th). Details in the Giving paragraph of this post. Half of any proceeds from the blog during this time (see sidebar) will also be added to those donations.***
I’m both thrilled to be able to do this work and sobered by it every single time. It’s most certainly an exercise in gratitude though that’s not why I do it.
I discovered the Okini last year and a group of friends pooled our money to buy holiday gifts for children who wouldn’t expect any gifts. This year, I had to start earlier in the year if I still wanted to do it, and of course I did, so I had to pace myself. It takes a lot of time and energy so I accepted that I wouldn’t be doing the holiday Okini.
Delving into this process of buying things for people who need it, I’m reminded again and again, there is so much many of us can take for granted:
- Basic clothing: Folks on the reservation don’t have seasonal clothing. Heck lots of the kids are growing fast and don’t have next size up shirts and pants, nor do they have winter coats.
- Heat: They often need warm blankets, space heaters if they have electricity to run them, and/or a hatchet to chop wood for heat.
- Light: Some families have to chop wood, or rely on space heaters if they have them and electricity, or bundle up in sweaters and blankets if they have neither.
- Some of our families can only cook food out of a can on a hot plate if they can get one. That’s assuming they have electricity.
- The ability to shop and have things shipped to your own address. For Americans, how many of us have to even think about whether a national chain store will ship basic goods to us if we’re domestically located? Hawaii and Alaska don’t always get the free shipping but it’s usually not a question of whether or not you will even be able to order at all. As I shared with the giving group, there are many stores that point blank won’t ship to PO boxes. For those that will, many items won’t be eligible for shipping to specific regions. I ran into this problem over and over, for every family. For our second family, I picked 18 items at Target. A grand whopping total of 3 of them were eligible to be shipped to their PO box. I had to start over, at least a few times, to get it right.
We have an unbelievable bounty when we think about the baseline they’re starting at.
The process of shopping was a bit of a throwback to my childhood. I lived in homemade clothing and hand me downs. We only bought clothes from yard sales for years. I didn’t know that clothes came from stores or how to shop in a store until I was 13. I certainly didn’t know how to look for things that fit! Similarly, many of these children and adults have never shopped for themselves so they didn’t really know what sizes they needed, they make do with whatever they’re given.
After determining which stores would ship to PO Boxes, I narrowed that list further to stores that have published sizing charts, free shipping and great prices. I considered shopping thrift but the cost of shipping is so high that it’s cost prohibitive, or negates the savings so we’re spending the same as you would on new things. Between the two options, I decided it would be nice for our families to receive new things. When you don’t have much, getting hand me downs is appreciated but it’s unusual to get anything new.
As money came in, I searched the sales to see which family we could best help with the essentials. I combined coupons and sales and then once orders were submitted, I updated the volunteer coordinators with every tracking number so they could confirm that the items were all received. I opted for consolidated shipments every time I could but sadly that’s not often an available option so each family’s orders ranged from 3-8 shipments each.
As of Friday November 1st, we had pooled a total of $1,141.33. I spent $5 more than we had so that was added to our personal contribution.
What did our money get?
We helped 5 separate families! I chose a variety of groups: a single adult facing homelessness, a single adult who took in an infant grandchild, a single parent with an elderly parent and young child, and a single parent with 7 children. That makes a total of 4 adults and 8 children we were able to purchase for.
Family 1: 2 pairs of sneakers, 2 pairs of jeans, 11 pairs of socks, 6 shirts, 2 pairs of jeans, 2 pairs of pants.
Family 2: 2 giant boxes of size 2 diapers, 2 giant boxes of size 3 diapers, a giant box of wipes (800 count), shampoo, conditioner, laundry detergent, hand soap, 10 bars of soap, instant coffee, tea, sugar, salt, pancake mix, syrup, mashed potato mix, 48 packs of instant oatmeal, 12-pack of canned beef barley soup, peanut butter, strawberry jam, whole grain fruit bars, Nature Valley bars.
Family 3: Shampoo, conditioner, lotion, toothpaste, toothbrushes, floss, underwear, socks.
Family 4: Seven warm coats, eight blankets, 7 multi-packs of underwear and 15 pairs of warm socks.
Family 5: Warm slipper socks, 2 pairs of warm pants, 2 warm shirts, 1 warm sweatshirt.
Why do this?
I suppose someone is going to ask this question, if only in their head.
Short answer: because I can.
Longer answer: Because we are so incredibly blessed to have enough good health to fend for ourselves. (Even though I’m not religious, I do feel that blessed is the right word.) We have love, we have the means to take care of each other in our little family, and we do that well enough to think beyond our own noses. We have enough to give to others without hurting ourselves.
I don’t expect to see any return on this. I do believe this is an investment in making life a little bit better for people in our global community, though. When I die, I won’t regret working hard to try leaving the world just a little bit better than I found it, in some small way.
Last and most importantly: thank you.
I’m so grateful for having this community where you felt moved to be part of this work.
I’m so grateful for having enough, every day, so that I could put my time and energy into this. I’m so proud of our group of friends who give to help others be warmer, be fed, be a little less uncomfortable, without expecting anything in return. Thank you for caring. Thank you for coming together and making this possible.
Together, we made a difference.
November 8, 2019

***FYI: I am collecting donations for our Lakota families until Nov 17th. Details in the Giving paragraph of this post. Half of any proceeds from the blog during this time (see sidebar) will also be added to those donations.***
1. PiC bought a sack of bulk pumpkin seeds for my snacking needs. They’re low carb and yummy.
2. I filled in some gaps for our last two Lakota family’s needs with the last of our funding.
3. I spent Sunday in my version of quiet contemplation. It was the anniversary of Mom’s passing and I wasn’t sure how I’d feel but I chose to embrace being the only human around the house on this day and do whatever I wanted. That meant I organized two dresser drawers, the bathroom vanity, and our master closet. That felt soothing at the time but maybe it was just pushing off feeling the feelings in their right time and place.
4. I was eaten up by the bah-humbugs on Tuesday. That’s not the good thing. The good thing is trying something that seemed to work: not trying to force myself out of the mood but rather just letting the feelings be and working while I’m feeling it. I was practicing this with JB but forgot to practice it for myself.
5. I got a slew of catalogs from LL Bean, Amazon, Shutterfly and Tinyprints so I took this opportunity to tell them to stop sending us paper catalogs in the mail. LL Bean chat was the easiest, it took less than one minute! Amazon took longer but you can use this link to turn off postal mail for yourself. For Shutterfly and Tinyprints, I had to log into my account to turn off postal mail there.
6. Ah ha! I finally identified three of the many weeds dominating our yard that we need to get rid of: Star Thistle, Spreading Hedgeparsley, Prickly Lettuce. There are more and I’m trying to identify the most horrible one. It has cute tiny yellow flowers and spreads close to the ground with ferny leaves. Underneath the green and the innocuous flowers, it’s hiding ten thousand little stickers. I hates them, precious. I’m hoping this is the first step to correctly eliminating them instead of accidentally helping them propagate forever.
7. It turns out Seamus’s nightly pacings were anxiety over needing his family all in one place. Once that happened, he slept the deep sleep of the just.
8. JB asked me very politely to watch the beginning of a show with zir “because it is scary and I cannot handle it.” When did my child turn into a semi articulate person???
9. I’m thinking about adding VWESX to our portfolio instead of carrying on with VBTLX. Hattip to Nicole and Maggie for mentioning it. I only want to hold one of each type of fund (domestic stocks, international stocks, bonds) but I might consider an exception for this since it’s a higher yield.
:: How was your week?
November 7, 2019

***FYI: I am collecting donations for our Lakota families until Nov 17th. Details in the Giving paragraph of this post. Half of any proceeds from the blog during this time (see sidebar) will also be added to those donations.***
Life is fragile.
I was toying with this longevity calculator but I’m not sure it’s very useful for me. What am I going to do with odds, ultimately?
Call back to when Mr. SSC had to give notice 4 months earlier than planned for kind of a funny reason.
Harvard Law School was founded on the profits from slavery. Caitlin DeAngelis, a former Harvard and Slavery Research Associate, points out that Harvard isn’t even doing the bare minimum to address this issue.
Penny asks Who are you showing up for? I seriously isolated myself for years while I was dealing with Dad’s scamming. Now, I am trying to make up for lost time with a real effort to keep in touch with people whether it’s by email, text, or phone calls (rarer). And I’m very lucky in that I do have people checking on me, and I feel like it’s just as much as I check on others. It’s not a circle, we just keep passing it forward, and it seems to work.
Purple is 100% stocks. I’ve considered going, and was, 100% stocks in our index funds for a while for the growth but as with all things, I changed my mind after a while. I added bonds back in for balance because I am always concerned about overall risk. What’s your percentage?
About gabapentin’s wide off-label use. This is appalling: Parke-Davis hired medical education companies to write review papers, original articles, and letters to the editor in medical journals about gabapentin for “$13,375 to $18,000 per article,” plus a $1,000 honorarium for the author. The majority of these articles had “favorable” conclusions about gabapentin, and in most instances the payments were not disclosed.
I Accidentally Uncovered a Nationwide Scam on Airbnb
Stop that dog!
November 4, 2019

***FYI: I am collecting donations for our Lakota families until Nov 17th. Details in the Giving paragraph of this post. Half of any proceeds from the blog during this time (see sidebar) will also be added to those donations.***
On Money
Income
Our primary income comes from our full time jobs. We have minimal income from an investment property and investing in dividend stocks. That money is saved for future repairs or reinvested, respectively. We earn money on the side to supplement our main incomes. Our side income comes from Swagbucks and cash back sites (Ebates, Mr.Rebates). Some posts have affiliate links that pay a micro-commission to keep the blog running and I’ve added a way to support the blog in the sidebar.
Our long term goal is to replace our day job income by the time my health prevents me from working.
***
Dividend income. We received $184 in dividends this month. Our year to date net dividends are $3,063.40. We are a long way from covering even one month of expenses with passive income. This means I’m still on the hook for working full time for quite some time. That worries me because most of my days are bad days, now.
(more…)
November 1, 2019

***FYI: I am collecting donations for our Lakota families until Nov 17th. Details in the Giving paragraph. Half of any proceeds from the blog during this time (see sidebar) will also be added to those donations.***
1. We’ve had two days of lovely warm sunny weather and I cannot even tell you the difference it’s made to my mood, stress levels, and good cheer. It’s amazing.
2. It’s high wind and fire season in CA again and this year we’re directly affected by the widespread PG&E power shutdowns. Not awesome. We’re lucky in that we don’t rely on electricity for essential medications and lifesaving or life-sustaining equipment so it’s only a big inconvenience. Many others are not so lucky and are being badly affected by these shutdowns, and cannot afford to just pay their way out to get the medications, generators, and other necessities to stay alive and well.
3. We were able to visit a friend this weekend and it was so much fun. I can’t remember the last time we’ve gone visiting as a whole family where we could mostly relax. Parenting mode is always on but neither of us had work on the brain and we were just out having a few fun adventures. Also tacos, tacos, and more tacos. By our third meal, even JB was suggesting we have tacos again.
4. Friend gifted me a backpack she didn’t need when PiC made fun of my very broken down 12? year old Swiss army backpack I’ve resisted replacing because frugal. The strap is frayed halfway through and all the zipper pulls have broken from age 😆. The new backpack is in great shape and JB immediately tried to steal it.
5. I’ve been waiting for one of these Target promotions: We spent $28 on 4 sets of shampoo and conditioner at Target with a $5 gift card coming back, so we now have 224 ounces of shampoo and conditioner for $25. Comes out to about 11 cents per ounce. Not bad.
6. We are dealing with a really stressful situation this week, and next, with a death in the family. The arrangements have been unbelievably complicated and everything that could go wrong with them has. We’re coping as well as we can, and I’m grateful that while it’s going to be expensive, we should be able to take the hit. LOTS of deep breathing in the meantime.
:: How was your week?