Grow Where You’re Planted

I stopped driving to work the week of St. Patrick’s Day (big money saver for gas and tolls) and I have only returned for a handful of hours so far. Now I realize I am among the luckiest to not have been laid off or furloughed during this time. With the (very approximate count of) 105 hours I’ve had at home – that’s an hour and a half per weekday commute over the last 14 weeks, not to mention a little additional flexibility to work a bit of a flexible schedule here’s what I’ve learned and done. Closed my Apple Watch (stand, move, exercise) every day for the last 50 days. Eight pounds down… woohoo! Built a raised herb garden with tomatoes, cilantro, basil, chives, parsley, dill, catnip, thyme, mint, rosemary and sage. So far we’ve only used a little of the chives, mint and cilantro (mmm guacamole). So if you have ideas for me on how to use my little herb babies, please comment below! I have been binging Epic Gardening for advice – I even bought the book. Sadly this has not yet saved my basil plants from the caterpillar egg infestation happening, but I am working on propagating and restarting more plants soon. Started building a little catio (you know, a patio for the cat), perhaps overestimated my love of projects and much to ZimMaster Flash’s dismay it is not complete – as adding the roofing has […]

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Financial Fear

What are your biggest financial fears? The things that could derail all of your progress toward financial freedom, wipe out your emergency savings or put you into debt all in one fell swoop? For me, there are really only a few nagging issues that cause periodic bouts of worry.. unforeseen medical costs, family and extended unemployment. Medical Concerns: Does anyone ever have a sound understanding of how good their medical coverage is until they need it? In the past few years I have started using a health savings account (HSA) in conjunction with a high deductible insurance. Because I don’t frequently need to use my insurance, and because my company puts a lump sum contribution into my HSA… so far… knock on wood…it has served me well.  Familial Responsibility: Family starts with an F for a reason, right?  As of late, my mom, is my biggest money anxiety.  Last Spring she was diagnosed with Alzheimer’s.  She has very little family living nearby, is afraid of losing independence, and is unwilling to accept help.  Last Summer she told me she wanted to die alone in her house.  A byproduct of her disease has been her inabiltiy to manage paying her bills on time (or at all) and her dependence on her financial planner.  The guilt and pressure of how much money I would need to pay when shit hits the fans has kept me up at night since she has no  money saved for a care facility, home care or future medical care […]

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