I have been feeling better finally. The right bloodwork leads to a diagnosis, medications and supplements. I finally don't feel like death warmed over every minute!
Because of stress and health issues I did manage to loose 25 pounds last year. I'm only 6 pounds heavier than I was in 1993. (Prior to 3 babies) My hips and knees don't give me any trouble anymore!
I continue to have neck and shoulder issues from my work injury 6 years ago. Here to stay I think.
What I want to do with my little bit of energy is to get back into the groove of being mindful of where the money is going and saving for retirement and vacations.
With our hot holiday in Dec. fully paid for, now I have a blank slate.
Take home pay every 2 weeks varies $1200 - $1800
Bills:
220 to insure 2 cars
200 water/trash collection
180 power
300 house tax
Cell $80
Groceries ?! (Split with dh) This past week was $300!!! And I'm out of salad fixings, apples and bananas.
Plans going forward:
-The dh will be taking over the power bill. (He now makes 40% more than I do). He does gas and cable and security system. He also pays on the new (year old) truck that he bought - but I drive. He also pays all fuel and oil change costs.
-our food bill is crazy! The cost of food has gone up so high it boggles my mind. I do menu plan, I make healthy food, I pack my lunch and kid 3's school lunch every day. Last year I forgot my lunch twice and bought. That's it. I feel like I'm cooking all of the time! I am going to do more freezer meals and bulk cook on weekends. This is a MUST change.
- I continue to actively look for another position at work.
-$10,000 will be put into TFSA. (I have in my chequing account now). $5000 more after I pay income taxes.
* I have made big plans with TFSA's in the past and never followed through*. I don't want to let it slip again!!
Focus on family. My kids, my husband, myself.
Monday, January 22, 2018
Tuesday, December 26, 2017
The Post Christmas Wind Down
Merry Christmas everyone!
I am about a week behind in life, but it is all good! We had a wonderful hot holiday and returned to 2 days of frenzy before Christmas.
I go back to work tomorrow. Not something I'm looking forward too.
My doctor wants me to find another job. One that will take me to age 55 and then early retirement.
I'm looking and looking....
The parental units stopped at our house for 63 minutes on the 24th. (That brings the 2017 year visit total to 63 minutes hahaha! In May they said on the evening before my birthday they would be over to see me in the morning for coffee. They never showed up.).
Of course they were in a huge rush to get to see the Golden sibling and the grandkids that matter so "We have to get going". My fathers phone was constantly dinging with texts from the princess. My little guy saw them from where he was sitting. "When are you getting here? Where are you?" Etc. Etc.
It was fine that they left. They asked 2 questions about our trip and then proceeded to go on the stupidest political and racist rants for an hour. So hard to listen to and you can't have a conversation as all they want is a platform to blather their nonsense.
When you are uneducated and closed minded and obnoxious about your opinions I don't want to be around you and I don't want my youngest around that.
I want no part of the shit show.
After they left my youngest said "Mom, they don't know anything about us". No, they don't and they don't want to either.
Not everyone gets a great family, or a family that cares. I try really hard to do better with my kids all of the time.
Like I said before, I've been cutting the garbage out of my life. All but 63 minutes of 2017.
Many friends and family members have distanced themselves or ended their relationship with my parents since my grandma died. At least the constant bragging about how they are millionaires has all but ceased. Who knows, its probably all spent, or used to pay off some of the hundreds of thousands of debt that the princess has.
Not my circus. Not my monkeys. This is my mantra.
We did have a fantastic vacation though and I know that my heart is at peace when I sit by the ocean. I will be socking away all extra pennies to go every chance I can.
We also went to see some of my family that I haven't seen since I was small. They are lovely people. It was nice to feel cared about and have conversations about things we shared interest in and learn about them and their lives. So much laughter and fun.
We were all invited back again and would love to go.
Travel is where my savings will go.
Now to plan my west coast trip!!!
The good things...
My children
My improving relationship with the dh
My very extended family
Having no debt
Happy New year! And here's hoping for better things ahead for all of us!!!
I am about a week behind in life, but it is all good! We had a wonderful hot holiday and returned to 2 days of frenzy before Christmas.
I go back to work tomorrow. Not something I'm looking forward too.
My doctor wants me to find another job. One that will take me to age 55 and then early retirement.
I'm looking and looking....
The parental units stopped at our house for 63 minutes on the 24th. (That brings the 2017 year visit total to 63 minutes hahaha! In May they said on the evening before my birthday they would be over to see me in the morning for coffee. They never showed up.).
Of course they were in a huge rush to get to see the Golden sibling and the grandkids that matter so "We have to get going". My fathers phone was constantly dinging with texts from the princess. My little guy saw them from where he was sitting. "When are you getting here? Where are you?" Etc. Etc.
It was fine that they left. They asked 2 questions about our trip and then proceeded to go on the stupidest political and racist rants for an hour. So hard to listen to and you can't have a conversation as all they want is a platform to blather their nonsense.
When you are uneducated and closed minded and obnoxious about your opinions I don't want to be around you and I don't want my youngest around that.
I want no part of the shit show.
After they left my youngest said "Mom, they don't know anything about us". No, they don't and they don't want to either.
Not everyone gets a great family, or a family that cares. I try really hard to do better with my kids all of the time.
Like I said before, I've been cutting the garbage out of my life. All but 63 minutes of 2017.
Many friends and family members have distanced themselves or ended their relationship with my parents since my grandma died. At least the constant bragging about how they are millionaires has all but ceased. Who knows, its probably all spent, or used to pay off some of the hundreds of thousands of debt that the princess has.
Not my circus. Not my monkeys. This is my mantra.
We did have a fantastic vacation though and I know that my heart is at peace when I sit by the ocean. I will be socking away all extra pennies to go every chance I can.
We also went to see some of my family that I haven't seen since I was small. They are lovely people. It was nice to feel cared about and have conversations about things we shared interest in and learn about them and their lives. So much laughter and fun.
We were all invited back again and would love to go.
Travel is where my savings will go.
Now to plan my west coast trip!!!
The good things...
My children
My improving relationship with the dh
My very extended family
Having no debt
Happy New year! And here's hoping for better things ahead for all of us!!!
Monday, December 4, 2017
December and ending 2017. Thank God.
Today isn't a momentous day, just another day. I do miss blogging sometimes. I'm a different person now. Same face in the mirror, just changed inside.
I've been through some hell on earth. I'm still here. Weary and scarred and broken.
Change has become constant. New people, places and things in our life. I've cut out the garbage people. People that don't value me or my family. Health changes, surgeries. I don't have the strength for the negative anymore.
I've had a lot of counselling in the last year. Guess what? I can't do it all! I can't be all things to all people! I take responsibility for only myself and hold others accountable for their own actions.
Holding others accountable for themselves has pissed off a few people. Stop playing a victim/martyr. Poor choices and poor decisions do not equal a huge pity party.
Behaviour/actions show your priorities and intent, not words.
It's sad but we've all become very wary of people now. We have boundaries in place and enforce them.
There will also be a hell storm of epic proportions if you hurt one of my kids.
I am not in any way comparable to either of my parents. (Which is one of my greatest accomplishments!!) this should go in my list of positives...and in my resume and euology.
There are some positives:
Our little family is tight. The 5 of us have clung together through some rough times.
Our finances are not a worry.
We've been able to travel a bit more this year and have found great enjoyment in new experiences.
We are heading south to get out of the cold for a couple of weeks.
If our health permits; a ski trip in the rockies again Feb or March
Next summer we have a west coast visit ( in the planning stages).
Next winter tbd but it will be somewhere warm again.
2019 will be my Scotland trip for my 50th.
Financials:
Working part time.
Investing in TFSA's to max out this year.
RRSP's maxed out
Paying with credit card for all purchases and paying off in full every month to get points.
Keeping my non-trackable cash to $80 per month. (Always seems to buy a little hockey player post game smoothies!)
Take care everyone.
I've been through some hell on earth. I'm still here. Weary and scarred and broken.
Change has become constant. New people, places and things in our life. I've cut out the garbage people. People that don't value me or my family. Health changes, surgeries. I don't have the strength for the negative anymore.
I've had a lot of counselling in the last year. Guess what? I can't do it all! I can't be all things to all people! I take responsibility for only myself and hold others accountable for their own actions.
Holding others accountable for themselves has pissed off a few people. Stop playing a victim/martyr. Poor choices and poor decisions do not equal a huge pity party.
Behaviour/actions show your priorities and intent, not words.
It's sad but we've all become very wary of people now. We have boundaries in place and enforce them.
There will also be a hell storm of epic proportions if you hurt one of my kids.
I am not in any way comparable to either of my parents. (Which is one of my greatest accomplishments!!) this should go in my list of positives...and in my resume and euology.
There are some positives:
Our little family is tight. The 5 of us have clung together through some rough times.
Our finances are not a worry.
We've been able to travel a bit more this year and have found great enjoyment in new experiences.
We are heading south to get out of the cold for a couple of weeks.
If our health permits; a ski trip in the rockies again Feb or March
Next summer we have a west coast visit ( in the planning stages).
Next winter tbd but it will be somewhere warm again.
2019 will be my Scotland trip for my 50th.
Financials:
Working part time.
Investing in TFSA's to max out this year.
RRSP's maxed out
Paying with credit card for all purchases and paying off in full every month to get points.
Keeping my non-trackable cash to $80 per month. (Always seems to buy a little hockey player post game smoothies!)
Take care everyone.
Thursday, January 26, 2017
Update to a few things and off the topic of finances.
It is almost my 5 year anniversary...of being mortgage free!!
I am also debt free, zero balance owing to anyone.
Because my salary is only part time I don't have a lot of money left at the end of the month. Property taxes, utilities, licence plates for my car and I still pay for kid#2's car plates monthly.
Last year after my bank fiasco and over contribution to my RRSP's, I don't think I will have anything to top up. I do plan to add to my TFSA. I won't max it, but hope to do $10,000 this year.
So finances are actually mundane, in a very good way. What hasn't been mundane is the rest of my life. Health has been a roller coaster, mental health has been something else as well.
Totally change of topic ahead but still a Monster that I need to slay:
There was a horrible incident with a friend's child this past fall. The child is safe now, and getting help. It was a huge trigger for me. I too was 10 years old when repeatedly sexually assaulted by my cousin. He was 5 years older, 100lbs heavier and he threatened me to never tell. So I didn't, until this fall. 37 years later. I have told my husband and 1 friend, and now internet strangers. Because it is easier here in the safety of my home to type it out than say it out loud. I've been coming to terms with what happened, not really, but I've at least got it out of me. Between him and the abuse I had at the hands of my parents, what a messed up kid and then adult I have become.
I will, at this point never tell my parents. Why? Because they will say I deserved it, or I am lying. Besides, he is a saint that can never do wrong. He was fired TWICE for embezzling from his last 2 employers. But "That can't be true! He could never do that!" Well, once maybe, twice, the asshole did it.
And "his dad doesn't treat him very good you know". All of this because "They were so lucky to adopt a boy!" What a dream come true to my dad. A son. My parental units fall all over themselves when he is around. "He's so smart". (Dropped out of community college). "He's making so much money!" (Probably stealing it)
This cousin doesn't show up at any functions I am at. Which is a great thing. My parents pulled a shit fit when I didn't invite him and his wife and daughters to my wedding. I had to make huge adjustments to a very crowded reception to have the golden boy and his family at a table. His wife responded that they would attend. Then 2 days before my wedding there was a sporting event for their daughter that they couldn't miss. Asshole cost me $125 for not showing up. Not reimbursed by my parents because if the golden nephew couldn't attend, well then they knew it was VERY important. Truth be told that bastard can't look me in the eye. That's why.
I'm not sure why, today, I need to throw this out there. But today I'm sick of this dirty little secret festering and eating a hole in my soul. Some day I will need to tell my boys. Someday I need to talk to a counsellor.
Not ready today.
The good things:
Sun is shining
I'm financially fine
I love my children
Things that suck:
The parental units
My childhood
I am also debt free, zero balance owing to anyone.
Because my salary is only part time I don't have a lot of money left at the end of the month. Property taxes, utilities, licence plates for my car and I still pay for kid#2's car plates monthly.
Last year after my bank fiasco and over contribution to my RRSP's, I don't think I will have anything to top up. I do plan to add to my TFSA. I won't max it, but hope to do $10,000 this year.
So finances are actually mundane, in a very good way. What hasn't been mundane is the rest of my life. Health has been a roller coaster, mental health has been something else as well.
Totally change of topic ahead but still a Monster that I need to slay:
There was a horrible incident with a friend's child this past fall. The child is safe now, and getting help. It was a huge trigger for me. I too was 10 years old when repeatedly sexually assaulted by my cousin. He was 5 years older, 100lbs heavier and he threatened me to never tell. So I didn't, until this fall. 37 years later. I have told my husband and 1 friend, and now internet strangers. Because it is easier here in the safety of my home to type it out than say it out loud. I've been coming to terms with what happened, not really, but I've at least got it out of me. Between him and the abuse I had at the hands of my parents, what a messed up kid and then adult I have become.
I will, at this point never tell my parents. Why? Because they will say I deserved it, or I am lying. Besides, he is a saint that can never do wrong. He was fired TWICE for embezzling from his last 2 employers. But "That can't be true! He could never do that!" Well, once maybe, twice, the asshole did it.
And "his dad doesn't treat him very good you know". All of this because "They were so lucky to adopt a boy!" What a dream come true to my dad. A son. My parental units fall all over themselves when he is around. "He's so smart". (Dropped out of community college). "He's making so much money!" (Probably stealing it)
This cousin doesn't show up at any functions I am at. Which is a great thing. My parents pulled a shit fit when I didn't invite him and his wife and daughters to my wedding. I had to make huge adjustments to a very crowded reception to have the golden boy and his family at a table. His wife responded that they would attend. Then 2 days before my wedding there was a sporting event for their daughter that they couldn't miss. Asshole cost me $125 for not showing up. Not reimbursed by my parents because if the golden nephew couldn't attend, well then they knew it was VERY important. Truth be told that bastard can't look me in the eye. That's why.
I'm not sure why, today, I need to throw this out there. But today I'm sick of this dirty little secret festering and eating a hole in my soul. Some day I will need to tell my boys. Someday I need to talk to a counsellor.
Not ready today.
The good things:
Sun is shining
I'm financially fine
I love my children
Things that suck:
The parental units
My childhood
Monday, October 31, 2016
What is new...
What is new?
Everything, and nothing.
I have been rolling along with my part time job. I work 3 days a week. For the last year that has been all that i can handle. I have been exhausted. Not just tired, but lay in bed, every muscle in my body aches, too tired to sit in a chair tired. I've had bouts of this before and went to my doc, saying I must have low thyroid, or some sort of problem. I get bloodwork and it comes back with elevated RA (rheumatoid antigen) and high cholesterol. I've also kept on weight, even though I don't eat. Too tired. Zero ability to concentrate, activity leaving me stiff and sore for days.
Finally in July I went for more bloodwork as I could honestly barely be functional. My doc phoned and low and behold "your thyroid has quit". So I started on medication the end of July. I can say that I am finally feeling better now after 3 months.
I'm still tired but I can stay awake until 10 pm. I've lost 5 pounds, changing nothing in my diet or activity. So I guess pills are working.
The kids are doing ok. My oldest is home and it has been a pleasant change. He is in a "rough area" school for an internship and has an appreciation of the effort I gave to give my kids a nice home, with clothes and toys and extra curricular activities.
The middle kid is off to University 6 hours away. He's struggling in his courses. Not because he's not smart, but he's in a couple of courses that you needed background in. He doesn't have it. I told him that I didn't agree with his choices for classes. But as always, I'm an idiot who knows nothing about him or the real world. Have at it then buddy. He has my full support but not financially. He got a student loan that I will reimburse if he passes his classes. I work too hard to throw away my money. He has always been the kid that is fiercely independant. I admire that in him now, it was a lot to handle and keep him safe from himself when he was little!
My little one is great, loving school, busy with friends and sports. He did some camps over the summer that have made him think he should be a veterinarian. I'm all for it!
I changed banks a couple of months ago. I got so pissed off with an idiot teller that wouldn't cash a cheque. It was an RESP payout for my oldest from the CST foundation. It was a big kerfuffle with this very patronizing tone given by a 20 year old that did not know what an RESP was! Then the cherry on top was when she took the cheque to the manager and the manager wouldn't get his ass off of his chair 30 feet away to even talk to me! He wasn't on the phone as he was able to speak freely with the dingbat, and nobody was in his office. See Ya!! I will go to a bank that doesn't give me a pissy face when I bring them money. I went back the next day and pulled all of my accounts. The manager phoned me that day after I pulled out $40 k. It must have been a misunderstanding, blah, blah blah. I said if you are going to "sit on your ass for $6000, then you are not the person I want overseeing my money". "I should have talked to you ". Yes you should have. You are a day late. Good bye.
I qualify for a $300 deposit into my savings from my new bank for switching over. And I love their app for my phone! Super easy to track investments and my credit card. And the Manager of the branch came to talk to me and thanked me for using their services.
That's all for today, I have a ton of errands to run.
Then get ready for Tricks and treats!
Good things:
Great kids
$300 cash
Things that suck:
Changing banking information
Everything, and nothing.
I have been rolling along with my part time job. I work 3 days a week. For the last year that has been all that i can handle. I have been exhausted. Not just tired, but lay in bed, every muscle in my body aches, too tired to sit in a chair tired. I've had bouts of this before and went to my doc, saying I must have low thyroid, or some sort of problem. I get bloodwork and it comes back with elevated RA (rheumatoid antigen) and high cholesterol. I've also kept on weight, even though I don't eat. Too tired. Zero ability to concentrate, activity leaving me stiff and sore for days.
Finally in July I went for more bloodwork as I could honestly barely be functional. My doc phoned and low and behold "your thyroid has quit". So I started on medication the end of July. I can say that I am finally feeling better now after 3 months.
I'm still tired but I can stay awake until 10 pm. I've lost 5 pounds, changing nothing in my diet or activity. So I guess pills are working.
The kids are doing ok. My oldest is home and it has been a pleasant change. He is in a "rough area" school for an internship and has an appreciation of the effort I gave to give my kids a nice home, with clothes and toys and extra curricular activities.
The middle kid is off to University 6 hours away. He's struggling in his courses. Not because he's not smart, but he's in a couple of courses that you needed background in. He doesn't have it. I told him that I didn't agree with his choices for classes. But as always, I'm an idiot who knows nothing about him or the real world. Have at it then buddy. He has my full support but not financially. He got a student loan that I will reimburse if he passes his classes. I work too hard to throw away my money. He has always been the kid that is fiercely independant. I admire that in him now, it was a lot to handle and keep him safe from himself when he was little!
My little one is great, loving school, busy with friends and sports. He did some camps over the summer that have made him think he should be a veterinarian. I'm all for it!
I changed banks a couple of months ago. I got so pissed off with an idiot teller that wouldn't cash a cheque. It was an RESP payout for my oldest from the CST foundation. It was a big kerfuffle with this very patronizing tone given by a 20 year old that did not know what an RESP was! Then the cherry on top was when she took the cheque to the manager and the manager wouldn't get his ass off of his chair 30 feet away to even talk to me! He wasn't on the phone as he was able to speak freely with the dingbat, and nobody was in his office. See Ya!! I will go to a bank that doesn't give me a pissy face when I bring them money. I went back the next day and pulled all of my accounts. The manager phoned me that day after I pulled out $40 k. It must have been a misunderstanding, blah, blah blah. I said if you are going to "sit on your ass for $6000, then you are not the person I want overseeing my money". "I should have talked to you ". Yes you should have. You are a day late. Good bye.
I qualify for a $300 deposit into my savings from my new bank for switching over. And I love their app for my phone! Super easy to track investments and my credit card. And the Manager of the branch came to talk to me and thanked me for using their services.
That's all for today, I have a ton of errands to run.
Then get ready for Tricks and treats!
Good things:
Great kids
$300 cash
Things that suck:
Changing banking information
Monday, June 20, 2016
"You Taught Him Well Mom"
Things are rolling along, forever changing.
I continue to be a part-time employee, working 3 days a week. To be honest, some weeks thats all there is for me to do. As projects get completed there is a lull between that I sometimes have to hunt for things to do to keep busy. Not a bad thing, I'm not used to it is all.
Kid 1 returned to the nest as finding out 2.5 months without a job makes it very difficult to pay rent.
When he moved home, before he moved in we had a "Come to Jesus" meeting. I laid out expectations and conditions that I had, and if he couldn't live with them, he could live elsewhere.
Turns out he did mature in the 8 months of living with a landlord and roommates. A much cleaner, neater and considerate version of himself. After a long job hunt he landed a decent $18.75 an hour for the rest of the summer. After 3 weeks, he's tanned, broken in his steel toed boots and put some callouses on his hands.
His car however was a problem. Fully paid for, but killing him with repair bills every month and then it was something new each week! A piece of junk. I had bought him new tires in the fall (I could't sleep when the snow started, worried non-stop about him driving!). Then for Christmas a gift was a CAA membership so that he could get that stupid car towed to the garage when it quit on him.
He's been looking for something else since March and this past weekend found a gem at a local dealership. Exactly what he wanted.
For the last 5-6 years anytime I had kid expenses that the x had to split the cost with me, I put what he paid me into a separate account. So essentially I paid for the full amount and put his contribution into savings. I also added into it anything that the older 2 had to pay me back for. School amounts that were too big for the credit card, trips for kid 2 etc. I have built up this account to several thousand. Out of this account I helped with a substantial down payment. Then at the dealership my kid had to apply for a small loan. I was there to be a co-signer if necessary. The finance person was asking all of the regular questions about place of residence, existing monthly payments, then credit card. My kid has had a credit card for 3 years, they have upped his limit twice, but his card balance at the end of every month is ZERO. The finance man stopped writing and clarified if he used his card. "Yes, but I never buy more than I have cash on hand and I never carry a balance. My Mom said to never get into debt with a credit card"
He looked at my son and told him that he never hears that from people his age, he is being very smart with his money.
Because he has only been full time for less than a month, the finance person thought it wise to have my information available for the loan submission.
The usual questions, then house value, then who holds your mortgage? Nobody.
"Wow, I don't hear that very often".
In the end, he was accepted on his own credit information, mine not required. The handshake at the end of the deal was "You taught him well Mom"
He ended up selling his old clunker privately the very next day for $1200 more than the dealer would give on trade. Then he kijiji'd other things he had laying around. Payments are covered for many months!
The loan has no pre-payment penalties. He graduates from university next April, god willing there is a job waiting. At least he can drive himself to work with a reliable set of wheels!
I continue to be a part-time employee, working 3 days a week. To be honest, some weeks thats all there is for me to do. As projects get completed there is a lull between that I sometimes have to hunt for things to do to keep busy. Not a bad thing, I'm not used to it is all.
Kid 1 returned to the nest as finding out 2.5 months without a job makes it very difficult to pay rent.
When he moved home, before he moved in we had a "Come to Jesus" meeting. I laid out expectations and conditions that I had, and if he couldn't live with them, he could live elsewhere.
Turns out he did mature in the 8 months of living with a landlord and roommates. A much cleaner, neater and considerate version of himself. After a long job hunt he landed a decent $18.75 an hour for the rest of the summer. After 3 weeks, he's tanned, broken in his steel toed boots and put some callouses on his hands.
His car however was a problem. Fully paid for, but killing him with repair bills every month and then it was something new each week! A piece of junk. I had bought him new tires in the fall (I could't sleep when the snow started, worried non-stop about him driving!). Then for Christmas a gift was a CAA membership so that he could get that stupid car towed to the garage when it quit on him.
He's been looking for something else since March and this past weekend found a gem at a local dealership. Exactly what he wanted.
For the last 5-6 years anytime I had kid expenses that the x had to split the cost with me, I put what he paid me into a separate account. So essentially I paid for the full amount and put his contribution into savings. I also added into it anything that the older 2 had to pay me back for. School amounts that were too big for the credit card, trips for kid 2 etc. I have built up this account to several thousand. Out of this account I helped with a substantial down payment. Then at the dealership my kid had to apply for a small loan. I was there to be a co-signer if necessary. The finance person was asking all of the regular questions about place of residence, existing monthly payments, then credit card. My kid has had a credit card for 3 years, they have upped his limit twice, but his card balance at the end of every month is ZERO. The finance man stopped writing and clarified if he used his card. "Yes, but I never buy more than I have cash on hand and I never carry a balance. My Mom said to never get into debt with a credit card"
He looked at my son and told him that he never hears that from people his age, he is being very smart with his money.
Because he has only been full time for less than a month, the finance person thought it wise to have my information available for the loan submission.
The usual questions, then house value, then who holds your mortgage? Nobody.
"Wow, I don't hear that very often".
In the end, he was accepted on his own credit information, mine not required. The handshake at the end of the deal was "You taught him well Mom"
He ended up selling his old clunker privately the very next day for $1200 more than the dealer would give on trade. Then he kijiji'd other things he had laying around. Payments are covered for many months!
The loan has no pre-payment penalties. He graduates from university next April, god willing there is a job waiting. At least he can drive himself to work with a reliable set of wheels!
The good things: first day of summer!
Sun shining
A little nest of pretty warblers off my deck
Feeling more like my old self some days (after 5 years)
Things that suck: some bugs ate every single leaf off my rose bush!
Wednesday, April 6, 2016
Turbo Tax. You aren't that Good
So the near $3000 that was nowhere to be found was found.
There was a pension adjustment of my employer that I had no idea would affect my RRSP limit. Apparently Turbo Tax (even though they have a box to fill this number in - and I did) hasn't a hot clue either. The nice lady from Revenue Canada that spent 20 minutes reviewing my submission found it. Now I am very aware for my RRSP limit for next year!
So, Turbo Tax the paid online version sucks. The new "free for students" sucks so bad it is almost unusable. I will be using something else next year!
So although the bank was tardy and unorganized, they did not cause the error.
Obviously my expectations are too high. And I've been told that before.
I shall lower the bar and embrace mediocrity.
Close enough
Meh
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