About sixteen years ago, I met him for the first time. My trainwreck sibling brought home this adorable puppy he had no business adopting because he had not one thing in his life that wasn’t a mess. I was furious at my sibling – he didn’t even take care of himself, how could he drag
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December 21, 2020
Week 39 of COVID in the Bay Area.
Week 39, Day 270: I enjoyed reading Jessica’s How to Cope (and Hopefully Even Thrive) in Times of Disaster. I’ve been doing financial stress testing since 2018 in preparation for a recession and other Bad Times:
This exercise didn’t specifically take illness into account but that has always been in the back of my mind as a fourth scenario that I’d have to cover – what we should do in case one of us (most likely me) became unable to work and earn income. I just didn’t outline it in my list back in 2018 because I wasn’t ready to wrap my head around a prolonged term of illness for any one of us.
And along come a pandemic. *facepalm*
I am grateful that I stuck to the year of cash equivalents in the bank. That really helps my sense of anxiety. I find myself wanting more but that’s my old friend hypervigilence talking. I’m getting better about that – I can see that that’s the fear brain worrying itself to bits and not a logical need, but it’s still there.
Also, it’s time we finalized our last year-end donations! We need to do this now!
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December 18, 2020
1. We were introduced to birria de res tacos. Absolutely decadent and delicious and wowwww so good!
2. I updated our Life-Death Summary records that contains (almost) any and all information needed when one of us passes on. I haven’t done a full update in over a year so it was well overdue. Also there were incomplete sections, so I’ve added an insurance section with the link to submit a claim for my life insurance. Still are – I will need to add our disability and his life insurance information too. This gives me peace of mind.
3. We are getting a small year-end bonus this year. That’s not a given in any year, so getting one this year is especially nice so we can continue to help others. While I’m working so hard at building our financial foundation, I also need to keep exercising our giving muscles.
4. I renewed this domain again with a 20% off coupon code. Why not?
5. I finally sat down and organized the last box to ship to our tenth and final Lakota family. This one had some baby clothes, hygiene kit, blankets and things for mom’s recovery after the baby arrives. I wanted to put a few more things in but I was really pushing the limit on our ability to tape that flat rate box shut!
Challenges this week: Seamus is really looking old and tottery this week. I’m not sure he’s got much time left.
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December 15, 2020
Week 38 of COVID in the Bay Area.
Week 38, Day 263: A friend mentioned it was a good time to do the Mins Challenge again – where each day you get rid of the same number of things as the day of the month it is. So December 1, purge 1 thing, December 2, purge 2 things and so on.
I love all motivation to purge and declutter but I never feel like that particular challenge works the way I work. I wish it did. I love the idea.
But I am a clean in spurts sort. I tend to go weeks and then burst out in a flurry of cleaning and decluttering. I’ll stick with what works for me and cheer on everyone else with their version of the Mins Challenge.
Week 38, Day 264: Our neighbors are being deeply frustrating and I am reminded of the one reason living in a suburban neighborhood sucks. People. I can’t stand people.
***
I am still baffled by the market that just keeps going up and I wonder why I’m taken aback by it. Probably because it’s so dissonant with the deadly pandemic going on. I have to keep gritting my teeth and putting money in the market because waiting for it to go down and make sense is a losing strategy (I am guessing. Aren’t we all guessing?).
Week 38, Day 265: I don’t know why I forgot to check whether Carter’s would deliver to a PO box, but I did forget and placed an order for curbside pickup for our Lakota Family. Um, hello, they DO deliver to PO boxes and this will save precious space in the flat rate box I am working on packing up for the family with postpartum and other new baby goods that we have on hand which can’t be shipped direct from a store. Thank goodness PiC reminded me to double check that. We sent the warm clothes and blankets using free shipping direct and saved ourselves an errand (and exposure to humans).
Week 38, Day 266: It’s that time of year when unanticipated boxes start showing up on our doorstep and I get to be curious what they’re going to be when I see tracking information in the Informed Delivery update.
There are a few more than usual this year since we won’t be seeing family and friends for the holidays.
I’m doubly glad that I’ve completed nearly all our holiday stuff. There remains just one set of gifts to wrap and deliver for local friends.
We did an Advent Calendar for jams this year, it’s our first one and we’re already behind on opening one a day. You wouldn’t think one ounce of new jam a day would be a challenge to work through but here we are, suppiled with enough jams to
Week 38, Day 267: I’m trying my darnedest to look at the neighbor conflicts as a short term annoyance. It might be more difficult because I’m physically and mentally exhausted, each bit of aggravation is amplified by a lot more than it might normally be. But it’s also difficult because they keep coming up with new reasons to pick fights. If we can just get the last details squared away, we can hopefully not speak to them again for the next ohhh forever.
The whole thing came about because of a misunderstanding. We had no way to know it was a problem until it was too late, and they are absolutely dedicated to making it be our fault instead of finding a way forward that we’re both ok with. Their attitude has made an unfortunate situation far worse than it has to be. They’ve also been petty and rude about every single detail despite our best efforts to remain neutral and polite.
I hate people so much.
I never thought that the pandemic isolation would feel insufficient. I want to put up ten foot walls and a moat and never talk to people again after dealing with these rude and nasty neighbors. And this is even despite PiC taking point on nearly all communications with them to spare me the angst. Grrrrr.
Caveat: I’m pretty sure my reaction encompasses all that remembered frustration with the previous horrible neighbor situation. I probably shouldn’t be trying to up stakes and move based on this one set of interactions.
:: Do you have good neighbors? Do you know where I can find some?
December 11, 2020
1. We went to pick up some treats as a thank you for a loved one who has supported us tremendously pretty much always. This little trip included a short stop to lunch at a local beach that was pretty empty. The people who were there were masked and kept their distance so we felt a lot better for the fresh air and lack of crowding.
2. We also made it to an open park which was almost the same as the beach: lots and lots of distance from other people and almost everyone was masked. PiC and JB ran across the open field a few times playing tag and hide and seek and searching for ducks. Physically I felt like garbage but emotionally it was refreshing.
3. My healthcare providers have been very proactive about checking on me and my looming depression issues. That has helped stave off a massive setback so far, along with being open about the fact that it is trying to eat my brains and trying to do positive things to buffer the huge waves of negativity.
4. Apparently Good Eggs really dropped the ball on Thanksgiving dinner deliveries this year. We lucked out and only had one disappointment for which we were refunded, but they are also giving everyone the option of extra Good Eggs credit, a free meal, or a donation to a charity to apologize as well. We picked the free meal and got to select from a “basket that MIGHT contain this variety of stuff” for delivery next week. A holiday surprise, I suppose!
Challenges this week: I found out that an old friend and mentor died suddenly. I worked with him closely in my rough college years at two of my jobs, and he was a solid supporter when it was time for me to move on. I still don’t know any details at this time but I’m ever so sad.
Our neighbors are being utter knobs about our replacing shared fencing at no cost to them that was falling down. They are offended we didn’t discuss it with them. But we DID attempt to discuss it with them and the spouse blew us off! Ugh. I hate people.
Grumble: I can’t remember if I mentioned this before but the IRS found a legitimate mistake I made in last year’s filing and gave me 30 days to deal with it. I handled it that week and sent everything off. Then I waited…and waited… and waited… Months later they contacted me and gave themselves six months to evaluate my response. I get one month and you get six? Rude.
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December 8, 2020
On Money
Income
Our primary income comes from our full time jobs. We have minimal income from investing in index funds and dividend stocks (all reinvested). We earn money on the side to supplement our main incomes. We get a bit of income from Swagbucks and cash back sites (Rakuten, 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 to the right!
Our long term goal is to replace our day job income with passive income before my health prevents me from working. I know from my Mom’s experience that qualifying for or relying on disability is incredibly tough or near impossible here in CA. Aside from that, I aim to do my best to make the most of what we can do while we can.
***
Dividend income. We received $752 in dividends in November from my individual stocks portfolio. We have two months in the year that are this high: May and November. It’d sure be nice if all months were this high, I’d feel like I was really getting somewhere with our income replacement. Our YTD monthly average is $350.
Our annual dividends from our index funds total is about 70% of the individual stocks portfolio total. Our YTD monthly average there is only $236.
This isn’t anything to sneeze at but we’re a far way away from income replacement.
Rakuten. I mostly do my shopping through MrRebates but sometimes there are shops that only do cashback on Rakuten. I wonder why Target still hasn’t come back to MrRebates. This was an accumulation over quite some time because we don’t use them as much, but we also had a $34 payout from Rakuten.
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December 7, 2020
Week 37 of COVID in the Bay Area.
Week 37, Day 255: I wanted to support a local bakery for our holiday meals. I found one nearby and we ordered two large pies. The online order form offered free delivery to locals but we couldn’t pick a date or time at the time of ordering, we had to call to arrange that. We asked for a delivery well before the holiday, to avoid a rush right before Thursday, but that’s when things got odd. We agreed to a late afternoon delivery. That evening I got a message asking (basically): you want the pies or what?
I called back ten minutes later and the guy said he had already gone home. He was willing to go back to the shop if we wanted them tonight, though. Erm. Yes, that’s why we set up a delivery timeframe and date? Please, my pies…
He then started debating when would be best and kept asking for directions which confused me. Surely you have a method of getting directions based on the address provided when offering a delivery service?
Then he decided that he had to charge me a delivery fee of “only” $15 (just about the cost of a pie) in addition to the prepaid pies. I … What? When he finally showed up, three calls and more than an hour later, he said that they couldn’t charge our card we’d previously used before to pay the delivery fee. We’d have to go order $15 worth of product on the site instead… and not pick it up. This whole experience was deeply confusing.
To top it off, the pies weren’t even as good as your average grocery store quality.
We had Thanksgiving Round 1 and most if it was delightful with one exception. I am really glad we chose to order in this year. We were in no shape at all to cook and bake and cook and bake.
Week 37, Day 256: Every so often I wonder if I remember what I’m aiming for with our hopes of early retirement (along with CAN we do it?). Sometimes I wonder if I’m motivated solely by a crankiness that comes with dealing with selfish or incompetent people too often (I am), or what I would DO. But Mr. 1500’s summary of their version of early retirement with two kids helped remind me My retirement is an expansion of everything I used to do on weekends.
This feels a lot like what I’m seeking. There’s the from the negative space creation which means removing the requirement to report into a set obligation for five days (or more) a week to generate income. Then there’s the desire for freedom to do what I would normally choose all week long, not just on the weekends. More reading. More cooking. More dog time. More cleaning of the sort that I enjoy. Maybe not more long term commitments? But I seem to be incapable of not creating projects for myself…. and honestly that should be fine because I care about those projects but necessarily limit them when 40-50 hours of my life a week are committed.
Week 37, Day 257: It’s always confusing to me why contractors or subcontractors who are doing work for you don’t bother to tell you when they’re not going to show up for the day. I find it infinitely more annoying that they didn’t inform us they weren’t coming so we wouldn’t wait on them than the fact they didn’t come. That’s so inconsiderate!
***
I have been consuming excessive carbs and sugar this indulgent week, but I’ve also been extra sleep deprived and working harder than usual, so it’s a tossup whether my hands are swollen because of overuse or because of what I’m eating.
Week 37, Day 258: We ate Thanksgiving leftovers again for actual Thanksgiving Day. I have no regrets. Except maybe for the pies. Maybe I would have paid extra for another type of pie from Mariposa Bakery instead. We won’t be ordering from this bakery again though, I know that much.
Week 37, Day 259: I spent a few minutes browsing Black Friday sales but mostly wanted to focus on shopping from small businesses if we bought anything. I’ll decide tomorrow if there’s anything we particularly could use.
Bookshop.org has free shipping all weekend too so that’s something I might want to check out. But I am pretty much done with holiday gifts so this would be gratuitous shopping…
:: How was your week?
December 4, 2020
1. After many days of being cooped up (I was too tired and in pain to do much), we made our way to a local trail for a slow trudge (me) and a bike ride and run (them). It was really good to breathe outside air and see nature again.
2. We’ve had three sunny days in a row and that’s just awesome.
3. I’m not watching it day to day because I simply don’t have the attention to spare for it but PiC has been documenting and overseeing the yardwork and there is progress! I can’t see the vision yet, it’s still too early, but I see enough to have hopes it’ll be good. Sort of. Working on that optimism.
4. I appreciated the highlight of our work for the Lakota Families. I’m working on one last family’s needs as we speak!
5. Target has two offers right now that may come in handy: 10% off a single purchase through December 12 and 10% off gift cards this weekend December 5 and 6.
Challenges this week: My hands are still swollen and it’s unclear why. I’m experimenting again to see if it’s dietary or other reasons. But I should probably just let it go and work with what I can do, practice that not dwelling on the negatives thing.
Grumbles: We had a referral from a friend and ordered our meal from Good Eggs this year. While most of our selections were good, the brussels sprouts dish was pretty bad. I think they forgot to actually season ours…
I absolutely didn’t skip Black Friday and Small Business Saturday and Cyber Monday on purpose. The only thing I remembered to do was order some things for our final Lakota family of the year (yay). I had zero time or energy to see if there was anything we could save on for the rest of us (boo). I had every intention of picking up some book gifts through bookshop.org because they had free shipping and simply … could not. But we did buy books from our local shop directly for holiday gifts a few weeks ago so I’m going to let myself off the hook on this score. I knew I’d be exhausted going into this holiday season and that’s why I made such a point of completing gifts early.
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