October 12, 2020
If you’d like to join me in helping Lakota families and/or rural libraries this year, please read this post. Over 6 weeks in 2019, we raised $2669.94 for the Lakota families, touching 27 lives. What can we do in 2020?
Current total: Lakota, $1,816.35; Rural libraries, $346.69
I’m trying to decide what to do with our travel cards – we routinely use the Marriott Bonvoy and CSR cards. Broadly speaking, I don’t see us using the Marriott free night to offset the annual fee anytime soon, and we aren’t going to get our money’s worth out of the CSR anytime soon either. I prefer to only have two active keeper cards so I need to do some in depth research here.
American Express
Replacing the Marriot Bonvoy?
I intend to stick with AmEx because their customer service has always been good to us, but does carrying on my usual hotel points hoarding makes any sense given we have no intention of traveling for probably a year.
Perhaps it’s time to downgrade the card to something without a fee. The best of both worlds would be an AmEx with great earning potential and slightly better cashing out options.
They have stated: Points expiration is paused until February 2021. Starting February 2021, points will begin to expire 24 months after your last activity.
That’s good. I’m not worried about expiration right now since we continue to earn points every month but I will have to remember we have 2 years after I change cards to have activity on the account.
Initial Research for replacements: Meh.
Cash Magnet: 1.5% cash back on everything, redeemable as statement credits whenever reward balance is $25 or more (meh). Free ShopRunner membership. No annual fee 👍🏻, 2.7% foreign transaction fee 👎🏻.
AmEx EveryDay card: 1 point/$ on all purchases; 2 points/$ on groceries; 20% more points when the card is used 20+ times per billing period less returns and credits. No annual fee 👍🏻, 2.7% foreign transaction fee 👎🏻.
Blue Cash Preferred® Card: 6% Cash Back at U.S. Supermarkets (capped); 3% cash back on Transit; 3% cash back on Gas; 1% On Other Purchases redeemable as a statement credit. Annual Fee: $95 (meh), 2.7% foreign transaction fee 👎🏻.
Blue Cash Everyday® Card: 3% Cash Back at U.S. Supermarkets (capped); 2% cash back on Gas; 1% On Other Purchases redeemable as a statement credit (meh). No annual fee 👍🏻, 2.7% foreign transaction fee 👎🏻.
Chase
Replacing the Chase Sapphire Reserve?
I’m far less attached to Chase. Their customer service isn’t much use. I enjoyed the CSR card for a while because they had a decent set of perks but those perks are declining in real life value.
I do like that Ultimate Rewards can be cashed out and that I have some reasonable flexibility in earning potential. Perhaps this current stash should just be cashed out and this card downgraded as well. Once upon a time, I was happy with the Chase Freedom card, the current Chase Freedom Unlimited might work for us. I like the flat 1.5% cashback, I dislike the foreign transaction fees. I won’t need to worry about that any time soon but I typically plan for the long haul with keeper cards (vs churn cards I don’t care about).
I haven’t had time to do any Chase related research but I am willing to consider ditching Chase entirely and using our Citi Costco as a regular keeper card to save me the trouble of thinking about this too hard. The perks aren’t as varied but that may not matter much since we haven’t been using many of Chase’s perks lately.
I did like getting the choice to redeem points at 1.5x for restaurant purchases but I didn’t end up doing too much of that. I suppose I’d just rather have the cash in hand.
:: Do you have a favorite go to card that you’d recommend?
August 21, 2020
If you’d like to join me in helping Lakota families and/or rural libraries this year, please read this post. Over 6 weeks in 2019, we raised $2669.94 for the Lakota families, touching 27 lives. What can we do in 2020?
Current total: Lakota, $1,713.62; Rural libraries, $321.62.
1. We finally caught the edge of a heat wave and part of me was really happy because it’s cold here 98% of the time. I appreciate what we have – we never have to worry about anything melting when we leave it out for example – but I do love a hot day or two once in a while to break it up. I bask in the glory of being too warm because it’s so rare.
2. The hot days also meant we could finally easily bathe the dogs! It’s so hard for Seamus to stand for long periods of time now. On a hot day, he can go for a bit of a walk and hang out and dry quickly. On a cold day, he needs to be blow dried and that’s just so hard on his arthritic joints. All credit goes to PiC on that chore.
3. JB is in really good spirits about the upcoming school year, no matter what form it takes. The nice thing about how hard it’s been up til now – it’s left us all with a complete lack of expectations (other than that it may be a circus). If it’s better than a disaster, great. If not, we’ll figure it out.
4. Speaking of PiC being great, he’s taking the whole first week of school off work so he can be there to oversee and assist. I definitely could not do that even though I had originally really wanted to take the day before and the first day off to be mentally and physically present. My staff needed the time off at the same time and since they booked it first, I wasn’t going to stress the rest of the team with my absence too. We have a lot of flexibility but we still have to get the work done and I have some bigger life balance goals to achieve in the long term so having PiC there instead should do the trick.
Challenges this week: The heat did a number on my hands, much as the rest of me enjoyed it. They were swollen like oven mitts! But it was a small price to pay. We also had another hiccup with the rental and the property manager and that ate up another precious couple of hours of my work time. I ended the week on a low note: with at least half a day of work that I’d have to make up next week or on the weekend. That was disheartening. I like to walk away on a Friday night and know I don’t feel any need to come back until Monday. Also can we take a moment to reflect that we’re five plus months into a pandemic, plus we have heat waves, plus rolling blackouts because PG&E stinks, plus wildfires. I had to shut all the windows that were letting in the cool air, thus avoiding the need to run fans, because of the smoke. There’s a fair bit of coping whiplash in our corner of the world.
5. I made the call to list our rental for sale. It stopped being fun years ago and while I’ve been learning a lot, the biggest things I’ve learned are that I don’t enjoy dealing with an investment that requires me to talk to people. Ever. I also don’t enjoy the people by and large. It was a grand experiment and I still do believe strongly in affordable housing but I also can’t be the one to offer it when we cannot easily absorb the costs of a wrecked property. If we were multiple times richer, that wouldn’t bother me but at this stage in our financial lives, that’s not a hit we can just shrug off without impacting our long term plans. I believe in prompt service and taking really good care of the property for the tenants and that didn’t align with my past sets of tenants. So I’m hugely relieved to have made the decision that it’s ok to end this experiment here and take a part time job off my plate. I don’t know how quickly it will sell but I’m crossing my fingers that it goes for a good price and smoothly and quickly. I’m ready to move on. And that’s ok!
6. We had a distanced and masked activity with a couple of friends. We have seen them a few times since March, just for quick porch and distanced drop offs of food gifts, but nothing like spending actual time together. We haven’t spent time with anyone in five months, really. I didn’t think it bothered me at all, and maybe it doesn’t specifically bother me, but the lack of fun times means I haven’t replenished my spirit in nearly half a year. I’ve just been coping day to day to day to endless day. I couldn’t believe what an enormous difference it made in my ability to breathe and be patient to have even distanced company for a while and be relaxed with friends and laughing over silly things. Even aching from head to toe with the unexpected physical exertion, I had reserves of patience for JB that I have been searching for for months. I both felt elated and bad that I can’t maintain that much patience normally but it’s just an honest indicator of how depleted I’ve been. Whether it was the fun activity or the company or both, we need more of this.
:: How was your week?
April 14, 2020
If you’d like to join me in helping Lakota families and/or rural libraries this year, please read this post. Over 6 weeks in 2019, we raised $2669.94 for the Lakota families, touching 27 lives. What can we do in 2020?
Current total: Lakota, $640.74; Rural libraries, $321.62.
November 9, 2016
I had another post for today but first I’m sitting here with the Election doing what it’s doing and I’m wondering how we live in a country that would rather put a Hateful Incompetent Blustering Serial Liar in the highest office of the land over literally anyone else you could think of? A person who has made a campaign promising to deport citizens based on their religion, who considers many citizens of this country including women, disabled people, people of color, LGBTA, veterans, and immigrants as less than dirt to be trod on? When he incites violence against those who disagreed with him, invoked the Second Amendment in reference to his opponent – how are we to expect anything different from him if he’s then installed in the Oval? How precisely is he meant to lead and represent this country when his view of the nation is one that would be better off if most of us were gone?
Some of us have kids to whom we’ll have to explain how a bully and a predator was elected to the highest office in the land. How a man can brag about sexual assault and have multiple accusers of sexual assault and still be elected President. Some of us have daughters to whom we’ll have to explain how no matter how experienced you are, no matter how much blood, sweat or tears you’ve invested in the process and your career, a blustering man with literally no credentials or perceived competence can still win over you. Honestly, none of this was new, it’s just that much more obvious now.
I already knew I’d have to explain this to JuggerBaby someday but I had held to this frail hope that it could be in the past tense when ze was old enough to understand.
Add to the list of explanations: why are they telling us to “go home”? Because that’s nothing new either, but it’ll happen more frequently after the election, just as it was becoming more obvious during the campaign.
I was thinking earlier today, is this how it felt in Germany after the elections? A sense of foreboding, and impending doom, and wondering how many of your friends you can shelter from the coming storm? How long you can hold out?
The blistering racism, festering sexism, and ever-present xenophobia that’s pocked this country had me prepared for a close race, but I had held out hope, based on all the good, decent, and kind people I know here, that it wouldn’t come out in favor of hatred and bullying. This didn’t even come down to warring conservative versus liberal values and agendas. For me, this was about basic human decency and he didn’t even meet the minimum bar for that.
It’s not been called yet but I’m worried for the many who are even more vulnerable than I.
I don’t feel it yet, but I can say that I hope that when we wake up, it won’t be as bad as all that. That it isn’t the beginning of the long slide. I hope.
Nov 9 update: The person I couldn’t believe was the Republican nominee is the President-Elect now. It’s an outcome I knew was to be feared and the repercussions will range far and wide. It’s too early to try and hope again, today’s a day for resting, regrouping, and then we’ll pick up again. We’ll stand up to protect ourselves, defend those who need help, and be the best possible people we can be. That’s our job. And in two years, we need to do what we can to change the fact that all three branches of government are held by one party. The checks and balances can’t work when there’s no aisle to reach across.
July 27, 2016
Joking with Kate and Little Green Revolution on Twitter about being ingrates who give unwanted, personalized, gifts that you can’t regift, a genius brainstorm hit me. I can hire JuggerBaby out! Ze can finally earn zir keep!
Ze is a natural (two-legged) cat with the added benefit of not shedding (much). Ze has been auditioning for the role of Minimalist Cat for MONTHS. If there’s anything breakable within reach, ze makes eye contact, reaches out with a chubby paw and pushes it off the shelf. Grins for the smash. Extra giggles if you react. Extra extra cackles if you react with anger.
Foolish human.
Minimalist Cat thrives on bringing chaos.
Disclaimers: Minimalist Cat does not recycle. Minimal Cat does not dust or pick up unless you offer really good bribes and use Mom voice. Minimalist Cat is a fan of brooms but mostly for licking and wild gesticulations. Not so much for sweeping.
Got clutter? Minimalist Cat will help you!
- Is it breakable? Minimalist Cat will break it.
- Is it fabric? Minimalist Cat will pick and chew it.
- Is it paper? Minimalist Cat will shred and cheek it.
- Is it shoes? Minimal Cat will steal them.
- Is it a gift you really really didn’t want? Minimalist Cat will rend and tear it.
- Are you daunted by how much there is? Does it feel like too big a job because your shelves overflowing? Minimalist Cat will empty them and strew things EVERYWHERE. The better for you to sort it.
- Are you not unsure what’s in that one closet you don’t open the door to? Minimalist Cat fears not! Ze has your back. Services offered: pull everything out of the closet, unpack all bags and boxes so you can’t pretend you didn’t know it was there, and lick half of it. It’s marked now, throw it out.
- Is that your mouse? YOU DON’T NEED IT.
- Is that a landline? Ze can smash it.
- Is that a cell phone? Ze will use it.
- Is that your baby? No, silly, that’s Minimalist Cat’s baby now.
“‘Uh-oh’ is for accidents, Minimalist Cat,” says PiC. HAH.
No, but seriously
Clutter is a problem around here. Unwanted gifts, poorly selected clothing, snowdrifts of junk mail all make their way in and it’s a Herculean labor to shovel it all back out again. It’s an endless task but it’s gotta be done or we’ll drown in Bed Bath and Beyond coupons.
I’ve tackled the closet one 20-minute session at a time, forcing myself to make ruthless and realistic decisions. The one-year rule doesn’t work for me because I can go a whole year without touching half my closet but then need that half the following year.
Now, I’m paring down with the aim of having a week’s worth of clothing suitable for each season, casual and business. If I do it right, I’ll end up with a much slimmer and more classic wardrobe.
As for kitchen supplies, nothing new is allowed in there unless we get rid of three things for every one item. I refuse to end up with a Hoarders-level kitchen!
:: What decluttering challenges do you face? Do you discourage gifts from family or friends? Would you like to hire JuggerBaby?
April 1, 2016
Since the eye injury, Seamus is no longer my friend. Not because I poked him in the eye! I didn’t!
But I am the evil one who administers the pain meds that taste like bitter old shoes (we ran out of pill pockets again, way to go Supplies Manager Me) and puts goop in his eye three times a day, faithfully. Our relationship may never recover, and he’s been taking his revenge via recalcitrance and really foul farts.
Dog gods help us all if this goes on longer than a week.
~~~
Ye baneful cough lingers and lingers but I can (and did) skip for uncontainable joy yesterday when I realized I could breathe through my nose again. Sinuses! It’s been months! I love you, never forsake me again.
~~~
Vehicle numero dos has not yet made an appearance in our lives but we reached a tricky stage in a possible offer. If it’s meant to be, it will be, Zen me says.
(Anxiety me wants to bop Zen me over the head and offer her up as a sacrifice to the Used Car gods. Anxiety me is shameless and kind of a jerk.)
We fervently hope it’s meant to be, shuttling two critters around for their appointments in opposite directions in one car eats up all kinds of time.
~~~
Movement on the refinance! It’s been stalled for who knows why for months now, and we’re finally getting communication again! Wheeeee!
~~~
Happy weekend, y’all! Fun for everyone!
via GIPHY
February 29, 2016
Last week’s ode to the Internet was timely.
This weekend was a trial, made slightly less grueling by having some access to the outside world. Last week I dragged along, trying to muster some good energy pockets each day but utterly failed. The best I could manage was being patient with an increasingly grouchy LB when ze was home and becoming one with the sofa when ze wasn’t. By Saturday, it was no use denying it: another round of illness had come a-knocking and we were fool enough to open the door. PiC was on nearly solo parenting duties, I simply couldn’t stay awake. He kept sending me to bed, and intellectually it’s nothing to feel guilty about, but it’s hard to shake the feeling of not pulling your own weight.
And it’s hard to shake the feeling of uselessness when random body parts stop working. Like the left knee doesn’t bear weight so “walking” is really “wobbling”, or three fingers are so swollen you can’t bend them. Or standing up makes your head spin, dip and swim.
Thankfully, I got a little work and household management done online, amid the brain fog, so that restless need to accomplish something more than having bizarre dreams and sustaining life was fulfilled.
Tetchy Toddler
Granted, it has everything to do with being sick but LB was prone to grouchy outbursts not unlike an angry, thwarted hunting velociraptor. Keep feeding the wee beastie, y’all, a sick raptor-baby is naught to mess with.
And can you blame hir? It’s miserable coughing all night. Poor thing wakes up in the middle of the night burning up, crying, because ze doesn’t understand what on earth is going on. I feel like a heel walking away from the piercing “maaa maa maaaaa!” when we’ve done everything I can for hir and ze doesn’t want to be cuddled to sleep. Rough times.
I don’t know how single parents manage, half the time ze was sobbing because ze wanted PiC. Seamus and I were on standby to fetch and carry, slather vapo-rub and administer Motrin, but ze wanted hir dad and only hir dad for comfort.
Moody Muttley
Seamus is off-kilter too. He’s been refusing his antihistamines and vitamins for weeks. He grudgingly takes them under protest.
It’s hard to tell if something is wrong or if he’s just in an extended funk.
Could be he’s worn out being moral support from our weeks of being sick. He always gets up to join us when LB is sick and being tended to.
Dad and delinquent accounts
Dad’s been missing utility payments.
I know because I am still remotely monitoring the accounts, not because he has learned his lesson about telling me the truth.
$100 here, $80 there. $400 for the electricity, another $200 for the water and trash. They pile up month after month as he pays what he can, saying nothing to me about the rest. Add that to the more than $1000 we pay per month for his rent and and it piles up. As does the aggravation.
I’m deep breathing through it lest the frustration eat me alive. Our budget continues to bear the monetary cost, I refuse to let the cost of his silence be my sanity. But it’s a little harder each day that feels like everything is subtly wrong.
One-horse home
We’re still a single car household and the inconvenience far outweighs the savings. On days when LB and PiC are out together, Seamus and I are limited to going only so far as I can hike, and if we have to run errands, well, we can’t. Unfortunately, he’s too popular with random strangers which makes it unsafe to leave him outside while I run in to run errands. He and I only run errands where he’s allowed inside. In case you think I’m being paranoid, someone just tried to steal our neighbor’s equally cute and friendly pup when they’d run into a cafe to pick up an order. 30 seconds is all it takes for someone to walk off with our dogs. What is wrong with people??
Shaking it off
I’m getting some work filed away to make Monday less painful, and by extension, the rest of the week as well. Maybe, just maybe, we can shake this funk before Tuesday.
How was your weekend? How does your week ahead look?