A Mending Miracle!

I am definitely an "out of sight out of mind" type person. If something is not in my visual range, I won't think about it or deal with it. Right now we have the curtains over the back door shut, so I don't see the leaves that are piling up over our yard. I guess there is no raking for me! ;)

So this brings me to mending. If I have something that needs to be mended I put it in my bottom drawer of my desk with the thoughts that I will get to it, eventually. Well it is embarrassing to say that a lot of the items in my mending drawer have been in there for over a year! I just don't sit at my desk as much as we are in the middle of changing things around so the office is a glorified dump zone right now. If I do sit at my desk it is usually because I am performing a different task with the mending in the bottom drawer not even a blip on my radar.

Well, just over a week ago, I finally decided that I was going to mend. And mend I did. I cleared out my whole drawer and mended everything except a dress that I was supposed to put a pompom on. I'm not sure where the pompom got to. I will have to go on the hunt.

It felt so good to have that task, that had been hanging over my head forever, to be done. My kids now have usable clothes again and all it took was like 45 minutes, not even, of my time to get it done. By mending it saved me money and garbage space as I didn't have to discard the items and go shopping for more clothes.

While there are times when something is not worth fixing or it has been so destroyed it just won't work, most of the time it is worth patching that little hole, or reenforcing that seam. As it was reinterated to me while I was doing it sewing and mending is really a worthwhile skill to learn. It may take some practice and your first attempts might not be perfect, but in the end it is worth it for your own sense of accomplishment and for your desire to by thrifty. You don't need a fancy sewing machine, just a needle and thread and bam! You can be a lean mean mending machine.

Hopefully, from now on, as the mending comes in, I will be more on top of it and not let it pile up again. But even if that does happen, I know I will have a mending miracle day!

Recharging the Batteries

This past week was stressful. Mostly because the potty training was not going well at all. And then put on top of that lost shirts and lunch meal planning and feeling like I was getting nothing done... let's just say I was not my best self. 

So in a pleading phone call I asked my husband to take sometime off work so I could be by myself and recharge.

Now, since Wednesday, when I decided not to continue with the potty training, for now, the needing to recharge feeling wasn't as strong, but I still felt it was important to do something for me so I did.

I wasn't sure what I wanted to do. I don't often get the chance to sit and think about what I want to do just for me. (That's not me complaining or feeling "oh poor me" or a call for sympathy, it's just the reality of being a busy mom of three, and that is okay.) I knew I wanted to do something active. The weather was so beautiful. I knew I wanted to do something that I haven't done yet that I really wanted to. So, I decided to walk part of the Trans Canada Trail, from the St. Jacob's Market to the actual town of St. Jacobs.

I love the idea of the Trans Canada Trail. It is neat to think that the trail I'm walking on could eventually connect me to places all across Canada. And that's no small feat considering, to quote the band The Arrogant Worms, "Canada's really big".

The section of trail I was on today wasn't super busy. I saw a couple of cyclists and a family sitting on one of the benches. But that was it. Just me, the trail, and the sound of birds and cars. This section of trail runs beside a highway, so it was rather loud. Not the best for soul searching in nature, but I'll take it.

I love the little curves under the canopy of trees. This will look beautiful in a couple weeks with fall colours

It's a bit fuzzy but this is one of the views of a farm from the trail.

I am looking forward to trying out some of these trails soon.

The Conestoga river. There was a nicer view at a different spot but people were there and I didn't want to intrude.

It is so important that we take the time once in a while to charge our batteries, and if possible, to find out what that thing would be that recharges us. When you are busy and have other people to be concerned with it can be hard to find what helps to refuel you as you are busy helping to refuel others.

While I was on my walk, I realized how much I missed these strolls in nature. When I was growing up we lived on 80 acres of wilderness. We had made our own trails throughout the property and every Sunday and sometimes more we were off on a walk to the see the beautiful spots we had discovered. We had a waterfall, an old mine, and a great loop through what we called the 12 acre wood. It was great to walk, to challenge yourself with the hills, to see the beauty of nature and the change of seasons. It was nice and peaceful and when I think about those walks I think of bliss and love. I definitely was living the good life. 

Now the thought of going for a walk with family does not incite feelings of joy. We have kids who complain about walking, or who walk too slow or walk too fast, or don't want to wear proper foot wear, or need water, or want to bring dolls or want in the stroller or out of the stroller, or are hungry, or are needing a bathroom even though they just went, and on and on. Not very relaxing is is. This walk taught me that I don't always have to drag my family along. It is okay for them to drop me off somewhere and me to just go by myself and reconnect with me. And by doing that they are probably going to get a better me in the process. Eventually I will invite them along, but for now I need to do these things for me.

There are so many other things that people can do to recharge. What do you like to do?

The Playhouse is Complete!

School has started and so hopefully I will be able to get more into the groove of blogging again. Man, distractions come in many shapes and sizes. And while most of the distractions have been my family, which is a good thing to be distracted by, it sure makes it hard to carve out time for me and my thoughts. Hopefully that time will begin again soon. Although, we just started potty training Miss P and that definitely has the foreground in my thoughts at the moment!

Well we did it. We completed a project!!! We are really good project starters. When it comes to completing the project on the time schedule that I want... not so good at. But we did it. This awesome playhouse was finished before the end of summer and that is a big win in my books.

So to recap the whole idea for this particular playhouse came from the blog vintage revivals. She has really great blueprints and instructions for the frame. (note previous post) But we did have to tweak the finishes. While she used a painters canvas for the roof and walls to give it a cool tenty feel I knew that that would not work in our climate. That canvas would get weathered and mouldy and not hold up well after a winter. So my husband and I went back and forth trying to figure out what the best solution would be. We thought of detachable roofs or just using a tarp and then a light bulb moment. We decided just to use the wavy plastic panels that are used on garden sheds and other structures. Seriously when we came up with it angels were singing up above. For our house we bought four panels and cut them in half. They were the perfect length and width. Seriously, they could not have fit any better. We also re-jigged the ridgepole to be two at angles to accommodate the angle of the roof better. We also put 2x4s at the bottom of the angles so we could attach the roof at the bottom as well.

For the walls we used lattice on all three sides. If we had thought it through we may have put up something in the middle of the long walls to give it support. If the kids push too hard on the walls they could break. But they are fine for now and the girls are really good about being careful with them. We liked using the lattice because it lets in a lot of light. Some play house are so closed off they can be pretty dark. This one is great because the kids can always see, yet it still gives a sense of privacy.

not sure what the fir branch is doing on the side. must be some sort of decoration :)

So it might not be the prettiest or cutesiest playhouse on the block but we love it. It is big enough and tall enough that it should be a nice hangout for years to come. And it was way cheaper than buying those prefabricated ones from the store. I see many tea parties and games being played in this house in the near future. Yay summer projects!

A Busy Start to the Summer

The past two weeks have been a bit of a roller coaster, hence no posts


Schools done which is awesome! For being on summer vacation for just two weeks we have done quite a lot. We have gone on a mini-road trip up to my mom's. I love going up to Bancroft, ON. It means I am super close to one of my happy places. It is a store called "The Shed" and it has the awesomest stuff. It has cool handcrafted furniture. It has awesome art work and the coolest wooden flowers. Each time I go up I buy some more flowers to grow my year round garden.

here are my latest purchases

On Canada Day we went to the movies (which is a rare occurrence for us), we got to splash around in a friends pool and then the older girls and my husband went to watch fire works. I stayed home with Miss P. and went to bed at a reasonable time.

Then on the weekend my church had a BBQ and then we went to some other friends new property and swam in their pool. (I don't think we will have to worry about not having a place to swim this summer!)

Then on Monday we went to Kiwanis Park to swim. Tuesday we went mini-golfing. Wednesday we went for a bike ride. Thursday we went to Music and Movies in Waterloo park. One of our favourite local entertainers, Erick Traplin, was the musical presenter. We always enjoy his sets. And the the movie we watched was Sponge Bob... definitely not my first choice, but the kids liked it.

Miss V waiting for the movie to start

There have also been trips to the library, the optometrist, other errands and hanging out. What a busy time!

the supersquad

Now we are trying to turn our focus to building the girls a little play house in the backyard and refinishing a part of the basement to make it our office/craft room. I will definitely have more posts on that coming up.

What fun things have you been doing this summer.

Wrenches Can Be Useful Tools

from wikipedia

I don't know about you but things in my life rarely go as planned. Things come up that can really throw a wrench in things. While at times this can be really frustrating, in the end, you end up with a sizable tool collection. These are tools that help you learn and grow and allow you to roll with challenges instead of comletly seizing up.

In my home lately we seemed to have never ending sickness. Just as one kid would be getting better the next one would get it and so on like dominoes. When I thought I would have a day to tackle a project one kid would end up at home from school. Now, I love my kids and enjoy their presence but, and there is a but, they can make accomplishing things a little difficult at times. So, when all of the sudden they were home needing my attention a few wrenches were thrown into the mix.

Now these wrenches don't have to be just our kids. As with other wrenches things that mess up plans can come in all shapes and sizes. They can be an unexpected repair, a medical emergency, running out of a key ingredient, bad weather, traffic delays and so on. All can be wrenches, but, all can make things better than expected.

Example. Last Saturday Miss G. was at camp and had to be picked up by 2 p.m. My husband wanted to help out at the ball field in the morning and I wanted to go to the regional museum as it was the last day of an exhibit that I wanted to see. I knew my going to the museum was going to be a bit of a squeeze, but I figured it would be okay. Well that morning, while my husband was at the ball diamond I got a call that we needed to pick up Miss G. because her tummy was bothering her. 20 minutes after that my husband was home with the van, I had packed a picnic lunch and off we went to go get Miss G. Since she didn't feel too bad we were all able to go to the museum and enjoy a lovely and leisurely time there. It was much nicer than if I was there and was constantly checking the clock to make sure we weren't going to be late. So, what could have been a wrench in our day (getting Miss G. early from camp) turned into a blessing in disguise. 

Because of these small wrenches recently I have gained valuable tools. I have learned how paper towel is made and what makes it absorbent. I've learned how to make paint for kids to use. I've learned to be a bit more accommodating yet I am still learning that one. I definitely need to figure out how to be more flexible. So, while in the midst of the chaos a wrench can create, try to think of it as an opportunity. When you can do that the wrench truly becomes a useful tool.

The Best Brownie! Seriously.

I am not really a big chocolate eater. If it is there, I will eat it. If it isn't, well, it doesn't bother me. Most of the time I would rather a fruity type of dessert than a pure chocolate one. There is only on exception. These brownies.

Brownies are really a fickle thing to nail down. There are so many varieties and with that so many different tastes. Some people like walnuts in their brownie to give it an extra crunch. Sometimes I like walnuts in brownies but it really depends on the texture. Some like brownies with icing others not. You can have cakey brownies, fudgy brownies and everything in between. It really is hard to have a will please all kind of recipe.

For me I don't want a dry brownie. Nothing is worse then biting into a browning and having it be all dry and bleh. I need moisture.

Well enter this recipe. It is my favourite. I could eat the whole pan myself... sometimes I almost do. This recipe is from my grade 11 English teacher. She would bake them for us and when I bit into them I felt like I was in brownie heaven. At the year end assembly she gave the recipe out (as she was leaving the school) and I think I was the only one who brought a pencil and paper to write it down. But now I will pass on this delectable secret, mostly so I know where to always find the recipe when I need it.

In a microwavable bowl put
1 cup butter
300g pkg of Chocolate chips (this is around 1.5 cups of chocolate chips if you buy in bulk)
melt and mix together.

Then add
4 eggs
1 tsp vanilla
2 cups sugar
mix together

then add
2 cups marshmallows
1 cup flour
mix up

Pour into a well greased 9x13 pan and put into a 350 oven for about 40 minutes.

I find that it is easier to cut them when they are completely cool, or the next day. But it is hard to resist the awesome gooeness.

Yard Work, It Can Actually be Fun!

Miss V. and Miss G. preparing the front yard for their Fairy Forest

This week has definitely made me feel confident that spring has sprung. The weather was in the double digits for most of the week. I even got my first sunburn of the season. And, I think the snow has finally melted from all those shadowy places that snow usually holds out in.

With spring comes yard work and tons of it. Even though I thought I did a pretty thorough job in the fall, cleaning up the leaves and other debris, when the snow melts I am totally proven wrong. The leaves seem to have multiplied, little sticks litter the ground and holy pine cones Batman! In our front yard I have never seen so many cones as this year. There must be well over a hundred. As of writing this they fill about a fourth of the bin you see in the pictures, and we are not even close to being done picking them up.

Today the girls had the day off from school, and I needed the work in my front yard started. (I do not trust Miss P in the front yard at all. It is too close to the road, so it is hard for me to get out there and get it done.) I told the girls that the fairies came last night and told me that they love to dance in our yard and help their fairy flowers grow, but they couldn't get to their flowers because of all the leaves and pine cones. The fairies needed two girls to help them so they could come and dance. While Miss G. was skeptical of that story line, Miss V. loved it and soon both girls were out with their work gloves cleaning up. I know... I lied... but it worked and they are having fun. I hope not too much damage will be done to psyche.

After about 5 minutes they started planning more than picking up. They are planning to turn the front yard into a fairy town complete with university and "death school" (I don't even want to know). With a few gentle prods from me for them to keep going they kept up the work. While I still have lots to do out there, it is a start. I think the most important thing here is that the girls had a great time using their imaginations and are now so excited to make their fairy town a reality. I will make sure to post some pictures of their completed town, if they are actually serious about it that is.

What kind of yard work do you have planned? Do you use fairies as an excuse too?

Homemade Paint - for kids

This week has been a sick week here. Poor Miss G. She has had such a runny nose. It has now moved on to a cough. Poor girl. Hopefully this is the end to the sickness for this winter season and we will have nothing but health from now on.

Since Miss G. has been home from school she decided this would be the best time to do experiments. And why not? The schools science fair is coming up so this was the perfect opportunity to do her science fair project. She was looking at how well certain items absorb water.

I showed her how water absorption worked and what happens when things get over saturated. Here is a link to a great experiment to do with the kids. With the water left over from that experiment Miss G decided she was going to add a bunch of different things to see if she could make paint. I think she was on the right track but had the proportions out of wack. Well today we remedied that. Here is how to make homemade paint.

1 cup salt
1 cup flour
1 1/3 cup water
food colouring of your choice.

This makes four generous sized amounts of paint. For more colours either make more or have smaller amounts.

I found this recipe in the description of this youtube video. Thanks youtube! Have fun painting!

My Way to Unwind

Sometimes you need a little pick me up. For me it is when I get to view or use some of my favourite things. Nothing spells out bless to me like drinking a caf-lib or herbal tea in one of my favourite mugs. These aren't the fanciest of mugs. There is no interesting story to go along with them. I bought the blue one at a grocery store in university and the other one at Target. But, despite their seeming ordinariness they make me smile and I feel content.

It is nice to have things in your life that help you feel grounded and remind you of how content your life is. I am a natural complainer. If I can claim it as one of my talents then it would be near the top of the list. Because of this it is natural to think life is dismal and that it will never be quite right. But, give me one of those mugs and I realize life is not as bad as I am making out to be. I just need to chill out and smell the roses.

What I love to do is put the kettle on right before I tuck the kinds into bed, or put them down for a nap. When that task is done the water is ready for me to start making my drink. I then take my book and sit on my comfy loveseat and voila. A peace flows over me. Warmth from the warm drink floods through me. How can you not be content.

Sometimes, if I need a break from the barrage that can sometimes be my children, I make hot chocolate for my own kids in their favourite mugs. Sometimes I even jazz it up. They are happy and I get a few minutes of me time where I can just sit and let my mind be.

I was feeling very generous. Whipping cream and caramel sauce. Yummy!

What are some of your ways to unwind?

How to Refill Foam Soap Dispensers Inexpensively

I don't know why but bars of soap just wig me out. They look beautiful (well they do until they are on their last legs), but the thought of using the same one others use to wash their hands just bothers me. I know that it is irrational. I am not a big germophobe so I don't get it. But there you have it. We all have our interesting quirks. Because of this liquid soap is for me.

Liquid soap is great. You just have to pump a little on your hands and a way you go. You don't have to worry about the bar slip sliding around and landing on the floor. I love how easily it lathers. To me it is amazing. But the thing with regular liquid soap is that you go through it like crazy. Or at least we seem to in my family. I think I was refilling the container once sometimes twice a week. That is with the older two at school for most of the day. The kids would use a full pump when only a half pump would do. And the refill jugs were pricey. I think the last one I bought was $6.99 and that lasted only only a few weeks.

Enter the foaming soap. I love this stuff. It is already lathery straight from the bottle and it uses way less soap. The container usually lasts two weeks with my family, so that's great. But once again, what to do about the refills?

Well lucky for me I have brilliant friends who show me all their nifty tricks of the domestic engineer trade. The following tip is brought to you by my friend Sherri. She truly is incredible!

All you need to refill your foaming soap dispenser is an empty soap container with foaming pump and your favourite kind of gel body wash. It has to be the gel kind. It cannot be the white creamy kind. That will not work.

Add about 1/2 an inch to an inch of the gel body wash to the container. (I am usually under an inch.)

Fill the rest with water. Make sure you leave space at the top for the pump and for the water and soap to move around.

Secure the lid tightly and gently rock the bottle back and forth to thoroughly mix the body wash and water. (You don't want to see any of body wash chunks.)

That's it. It takes a couple of pumps to get the foam at the beginning but then it is perfect!

The gel body wash I used I got for $2.99. I have refilled my soap dispenser six times and I still have gel left for probably 2 or 3 refills. (The body wash that I have in the pictures is bigger then the one I have been using so it will probably refill a lot more. I used it because the colour contrast is greater and thus easier for you to see.)

So if I get a full 9 refills from this bottle it will cost me $0.33 per refill. Not too bad. Even if I only get 8 it is still only $0.37.

I found another recipe online that makes it a bit more eco/people friendly. You can get that recipe here. I am going to try it out someday, I just don't have the materials on hand. So for now I will stick to the body wash.

What kind of inexpensive domestic tricks do you have that you get excited about?

Happy to Live a Green Tinged Life

I really try to live a green life. I make my own cleaners. I cook and bake from scratch to avoid too much packaging. I recycle and compost everything I can. I am really trying to do my part.

But, like everything, I am not perfect at it. Which is why I claim to be green tinged and not just green. There are times I have let my car idle in a bank drive-thru so I wouldn't have to get the kids out of the car while I got money out of the machine. There are times when I use disposable plates and cups, though I do try to make sure they are paper (they can then go in my city's greenbin program then). Sometimes when I clean my fridge and come upon a yogurt container that has been forgotten and turned gross, I just toss it instead of dealing with it. See my imperfections! These things are not common occurrences, but they happen enough that I do not feel correct in calling myself green. And, there is a lot more I could be doing.

picture from lds media files

Despite my greenness foibles I am so happy to be living my green tinged life. It is amazing how much safer my home is because of the green choices I make. This was brought home to me a few weeks ago when Miss V. brought home a science worksheet. The worksheet was all about liquids and the last activity was about dangerous liquids. She had to (with an adults help of course) find a liquid in the house that had a hazard symbol on it.

Now, thank goodness for this assignment because I don't think I ever sat down and discussed hazard symbols before. I vaguely remember pointing them out, but that's about it. This was a great reminder to me that I really need to educate my children about this.

Anyways, Miss V. and I looked and looked and looked for a container with a hazard symbol and it wasn't until I reached into the back of a really out of the way cupboard that I found some oven cleaner. (This was either from the previous owner of the house or before I started making my own cleaners. )

It was an eye opener to me about how living a more green life helps us keep our families safe. I don't have to worry about my children drinking windex or some other harmful chemical. The worst thing that would happen to them is that they would drink vinegar, and I think one sip would cure them of that. I guess this is one reason why I might not have gone over the safety symbols as rigurously as I probably should have. There wasn't a huge pressing need for it as we don't use those kind of products. Also, it is nice that hazard symbols are pretty self explanitory. I showed Miss G. a poison symbol and she said, "don't eat it or you will die." All right! I think she's got it!

Living a green tinged life isn't just for the planets benefit. It is for ours as well. By doing so, we have less chemicals in our life and less chance for horrendous mistaken liquid identity to happen. Doing little things does add up to a safe and happy existence. So while I am probably more a pale seafoam on the greenness scale, I am hoping to, at some point, be a dark shade of green. As I keep on doing little by little I know I will get there.

What makes you happy to be living a green tinged life?

Paying Down the Mortage

Lately my posts have been functional and factual. Today will not be an exception, but perhaps next week will be a bit more fun. I think I need to put down what I am trying to accomplish in this blogosphere format so that I will feel motivated and actually do what I set out to do. Are you like that too? So, onto today's subject: getting our mortgage amount down.

This year, we want to get our mortgage down by $10,000. That means on December 31st of this year our mortgage hopefully will be $10, 000 less then it was on January 1st of this year. With our regular payments we would be able to put around $5000 onto our principle. That is the sad thing about being at the beginning of our mortgage, just over half of our payment goes to the interest!

Here are some of our plans to get to the extra $5000 onto our mortgage. (Before you do this double check your mortgage rules. Most mortgages will allow to pay a certain percentage each year or increase payments without penalties, so check those amounts. No one wants to pay a penalty.)

1. Increase the mortgage payment.

Currently we pay every two weeks. We have it so the mortgage is taken off right after we get paid, which is really handy as it is out of the account before we even notice it.

This year my husbands company is restructuring how they receive part of their bonus. So now instead of being paid out a big amount in March, and then getting taxed at the bonus tax rate (which is super high), all employees across the board are getting a pay raise!

We have decided to increase our mortgage payment by at least the percentage of the pay raise though we will probably do more. This is something that you could do too. Most mortgages allow you to increase your payments by a certain percentage each year. If you get a pay raise calculate the percentage of increase, then increase your mortgage by the same amount. It is pretty painless and you don't have to think about it. The only thing you have to do is call and set it up. Then sit back and let it happen.

We are planning on taking this a step further. When we got our mortgage interest rates were pretty low. We know that when our 5 years is up (we have 2.5 years left), and we have to renegotiate, the interest rates will undoubtedly be higher. We don't want to be stuck in the lurch (hence why we are trying to payback as much as possible), so this is what I did.

• I found out the highest interest rate for a 5 year fixed mortgage.
• I calculated how much would be left on our mortgage at the end of our term if we put nothing extra on it. (There are lots of online calculators that will help you do this.)
• I calculated what the payment would be at that interest rate that mortgage amount lowering the amortization period to what it will be when we renegotiate.
• I made that number our new payment

It is a bit higher than what is most comfortable, but we are really wanting to make a dent in our mortgage. If it is too much we can always lower it again. I figured this way if our payments did go up, we would already be used to it, but also, it is an easy way to put more on your mortgage and then not have to pay as much with the next term. Or we could even shorten our amortization if we wanted. Doing this allows us to have more options when it comes to renegotiating our mortgage.

2. Extra pays

Since we get paid every two weeks there are two months each year where we have a third pay. When those third pays come up, we will put the leftover onto the mortgage. So, whatever is left over after the usual things come off (i.e. savings and mortgage payment) we will put it right onto the mortgage. For us that means putting on the equivalent of another months mortgage when you add up the two payments. That's pretty substantial. And the best part, it goes right on to the principle (though you should double check that). Lower principle means lower interest and that makes me happy.

This could also include any bonuses you might receive. At my husbands company they get paid a bonus every March. While this years bonus is going to go towards savings goals we have, next year the bulk will be going onto the mortgage.

Tax returns are the same. This year again, we are putting our tax return to savings but next year we will be putting a big chunk of it onto the mortgage. We want this sucker gone!

3. Be financially prudent

As I have said in another post, this is the year that we are really going to be watching our spending, curbing our wants and really get our financial house in order. We have other financial goals, besides the mortgage. We want to have $5000 in savings by the time this year is done and we want to be able to save for our summer vacation so we don't have any debt because of it. So, our aim for our vacation is around $5000, though hopefully we can do it for cheaper. (Though the exchange rate is not going to be very kind to us unless the dollar picks up before summer.)

If we achieve these two goals quickly, because of being prudent, we will be able to shift our focus solely onto the mortgage and adjust the cashflow so more can go onto the mortgage. That way, if we have extra cash because we don't have to pay our health insurance fees for a pay period, or if we have maxed out our CPP and EI payments and don't have to pay those anymore (it usually happens in September for us) we can put all of it on the mortgage instead of savings or some other debt we could have if were were not being prudent.

I know I sound like a broken record when I say that every little bit helps and it all adds up, but it is true. Little things will make a big impact down the road. Sometimes we want things to be different or change right away. And the thing is, that's not going to happen. If you have debt, of any kind, you have interest working against you and it is a constant obligation. It doesn't take you long to dig a financial hole, but filling it up takes a while, and it is not the most fun thing to do. But you know what? Just do it, and you will feel so awesome when it's done. That's how I felt when I made my last student loan payment (and I did that only four years after graduating!)

Do you have any tips for paying down your mortgage, or other debt? What has worked for you?

5 Ways To Do What You Want Without Going Broke

How has your first full week of 2015 been? Are you still excited about the upcoming year? While, I am still excited and feeling optimistic, I am starting to come down from the euphoria of the the new year and settling in to the work part of it. It is great to dream and scheme, heck I do that all the time, but, to actually see those dreams become a reality, that takes work. Work! Ah man!!! The more in dream world you remain the more frustrated you will be when you come out if it and see that nothing has changed in your reality.

This year one of the key things on my list of must do better at, is the budget. I usually am good at setting out a budget and tracking my expenses. I even can quasi follow my budget if I do those two things. But as said in the last post, For the last third of the year I just didn't. I didn't even look a the numbers, it wasn't on my radar. Luckily we didn't do too much damage, but I know we can do better. So while this will definitely be a more austere year, pinching pennies, tightening our belts and purse strings, it doesn't mean that we can't have fun or success in some of our other goals. If you are too glum and sacrificing, you aren't going to want to stick to anything.

So here are 5 ways you can do what you want without going broke.

from http://www.mayowynnebaxter.co.uk/blog/wp-content/uploads/2012/11/Broken-Piggy-Bank.jpg

1. Get movies from the library.

It is pretty thrilling when you get to see the latest block buster in theatres. Sitting in the stadium seating is amazing and the sound quality is awesome. But it costs an insane amount of money. Over the holidays we took our family to the movies. We rarely go and it had been a while since we had gone. My husband and I were shocked at the end of it when we saw how much we spent. We went to a matinee which is already cheaper, we shared drinks popcorn and nachos (this was our healthy lunch for the day) and the grand total was $55. WHAT?!?!? And that was with paying admission for just four as we don't have to pay for Miss P. yet. If we hadn't gone during lunchtime hours I probably wouldn't have ordered the nachos, but still, it is crazy. No wonder we don't go very often.

At the library you can get out movies for free. The loan period is usually a week, unless you have a new release then it is four days (at least this is how it is at my library). They get all the major movies, plus some fun artsy ones and foreign films, if that is more your thing. While this means waiting until the movie gets released on DVD and BluRay, you can still see have a movie night, without the cost. Just think of how much popcorn you could have then!

There are also the RedBox movie rentals. These came to Canada a couple years ago. They are at most grocery stores. You can usually get a code for a free movie night. Without the code the cost to rent the movie is a dollar per day. While that is a pretty good deal, it is still a dollar a day, so you would want to return it pretty soon.

For me, I would rather get it for a week or four days for free, then have to remember to return the movie the next day. But you are guaranteed the new release while at the library the number of copies of the movie can be limited. There are ups and downs to both systems, but the bottom line is both these options help your bottom line.

2. Get Awesome Work Outs Through YouTube

This year I really want to get fit. I am already on my way to getting there, but, I still have a long way to go. As our budget is tight a gym membership is not going to be happening. Although, my friend volunteers at the daycare of her local gym in exchange for use of the equipment, so that might be an option for you.

Since going to the gym isn't going to work and it is winter time, so I don't really want to be going for long walks or runs outside, YouTube is a great option. Last May I found this awesome series on YouTube. It is called Bikini Body Mommy. You can view the website here. I love these workouts. Currently she has two complete 90 day challenges, her original and her 2.0. I have done the 2.0 and I loved it. She is huffing and puffing along with you. You know she knows exactly what you are going through as she has gone through it and is going through it herself. I haven't done any of her meal plans or anything like that but her workouts are awesome and you don't need any fancy equipment or lots of time. All it takes is 20 minutes and you feel like you have worked for hours. It is the perfect workout to fit in during naptime, as that is essential for me. She is currently releasing her 3.0 challenge. The first day was January 5th. I have been doing them and they are awesome too! You can check it out here.

There are other workout videos on YouTube. There are  learn to dance videos, zumba videos etc. Find something that works for you and have fun! Your body and wallet will thank you.

3. Get Your Books From the Library

While this seems like a no brainer, it is sometimes overlooked. I can't remember the last time I bought a book. Seriously, I am looking back and looking back and nope. I have no idea. It is also convenient because most libraries have a hold feature, so you put a hold on an item and then the people who work at the library walk around finding your items instead of you. It is a real time saver, and I normally have a runaway toddler on my hands so, it is a sanity saver too!

Now you might be saying, but Meredith, I only read ebooks now, hardcopies are so yesterday. Well, the library can help you there too. While many ebooks are not as expensive as the real thing, they still cost money. At the library you can borrow ebooks. You are given a limited amount of time for them to be on your device/computer, usually three weeks, but they are free to borrow, always. You can also download audio books as well. Super awesome and super cheap.

Since the library is funded through the city, you are already paying for its service through taxes or your rent, so you might as well take full advantage of what they have to offer you. (Check out their programs too. At my local library they are teaching soldering 101. I think I might get my husband to check that out.)

4. Create Restaurant Style Meals at Home

I like eating out as much as the next person. Knowing that I don't have to cook anything is bliss and worth almost any price. But eating out can also be pricey. In comes the genius of many people on the internet. While you still need to cook the food, you can now usually find recipes for your favourite restaurant meals online that will cost a fraction of the price and, in most cases, taste even better. To make it less drudgery on you have it be a family cooking night. Everyone helps out and is part of it. That way you at least can relax a little.

Some are recipes might even be good to keep in the freezer, so that way you can have a restaurant style meal that needs no prep for those nights when you really don't want to cook. So google and pinterest away and see what restaurant inspired meal you will have this week!

5. Use Your Points

***This is only good if you pay off your credit card every month and are still responsible in your spending, otherwise not worth it***

I use my credit card to buy basically everything. I rarely carry around cash, except for my monthly allowance money that I can blow on whatever I want, but when it's gone it is gone. My particular credit card allows me to collect points to spend at a nationwide grocery chain. I can either use my points to buy groceries, which can help cut down on the grocery bill, or I can use my points to get gift cards that the grocery store sells. These are gift cards to restaurants, home improvement stores, clothing stores, gas stations, etc. This is how I bought most of the materials for the Christmas presents I made. I also was able to treat us to a meal out New Year's Eve by using my points to buy a restaurant gift card.

I usually try to hoard my points until we are wanting to go out to eat, or if we know there are birthdays coming up so we can do that for as little money as possible.

I know there are other credit card reward programs out there that can help you with air travel or pays back a certain percentage of purchases. So, if you like using your credit card to make your purchases you might as well get a card that does some work for you. Do some research and get on that fits your style and make sure it is a free card. There is no point in paying for a card just to get points or premiums when there are free cards that let you do the same thing. And make sure that if you do collect points with your card, you use them.

No, Because I Love You

from Toysrus UK website

Christmas is on Thursday. While I will be enjoying the quiet festivities of the day the lead up to it is not quite as enjoyable. And that is mostly to do with the stuff and me being a bit of a Grinch this year. I don't really want much for Christmas. And anything I do want is ridiculously practical. I would rather have a new faucet then some crazy bauble that I will have to dust. I don't need books as the library is amazingly awesome at satisfying my reading itch. I actually want less stuff than more. So perhaps a great Christmas present could be cleaning out on of the rooms that we haven't done yet (hint hint).

But that is just me. Unfortunately we have kids in the house. And while their lists are not crazy, they are still pretty long and I am like, I don't think so. This year we are trying to keep it simple but it can be hard, even when you are trying to be less consumeristic. It is also sometimes hard to explain to kids that they have sufficient when they see their friends given so much excess. 

This whole dynamic can be summed up in a conversation that took place in our vehicle a few weeks ago. We were driving home, after picking up my husband from work. Miss G. called from the back saying she had something to add to her Christmas list. When asked what it was she said, "A Frozen lunch bag". When you think about it, it's not that crazy of a request. It doesn't cost a fortune and it is useful. But, my response was that she couldn't have one because we love her. Then Miss V. said "I don't think you heard her right, she said she wanted a Frozen lunch bag for Christmas". I told them that I had indeed heard correctly and that the answer was still no, because we love her. Well that kind of confused them. What does it mean that I love Miss G. when I say that she can't have what her heart desires at that point in time?

We as parents and guardians have to say no sometimes. It sucks but it is necessary. We need our kids to know that just because something is beautiful or the current fad, doesn't mean that we need to go out and buy it. Miss G. has a perfectly functional and pretty cool looking lunch bag as it is. Why would we get a Frozen one when she already has one. Teaching our children to make do with what they have and, in a way, treasure what they have is so important. When all around them they see a consumer driven society it means we need to be ever vigilant of our consumer mindset. Does that mean we never buy things? No. But it means it should be a thoughtful purchase instead of in the heat of the moment. (That is something I need to work one. Oh, my magpie tendencies.)

Deciding what type of person we want to be correlates into the type of parent we want to be and the type of people we want to raise. While we love them and want them to have beautiful things in their life, we also need to give them the permission to say no to things, the blessing of saying no to things, the attitude of contentment with themselves. You don't need to say no to everything, but I think it is important that we are a little more selective about when we say yes and what we say yes to. Saying no, can often mean I love you.

Fall Fun

Well, the weather is getting cooler. The nights are getting darker earlier. I can definitely say that we are for sure in fall.

I love fall. I love seeing the leaves change. I love making big leaf piles. I don't like it when neighbours rake their leaves to the side of the road making it impossible for cars to park on the street. But other than that, I love fall.

I love the orange pumpkins, the red leaves and the brown memories of summer fun. I love the smell of foods being baked or roasted in the oven. I love the sound of the furnace turning on in the morning to heat up the house. So far that is the only time we have needed it on. The house has been able to maintain a decent temperature throughout the day which will be very nice for our gas bill.

This past Sunday we all went out and raked the leaves that were littering our driveway. I am not sure what type of tree is out there. I really must get serious and find out, but I think it might be part of the willow family... but it could really be anything. It has a billion leaves on it. They are slender and longish and when one falls, they all seem to. One morning we left for school and there was a few leaves on the ground. When we were walking back six hours later, you could barely see our driveway it was so covered in leaves. The girls thought that was pretty awesome.

Well as I stated before, on Sunday we all went out and raked leaves. We made a very large pile. All of us girls ganged up on my husband and threw leaves at him, and he got us back. My 19 month old rain along our neighbours front yards... about four houses down and when I was looked to see what she was running to I had to laugh. It was one of those little tykes cars that are yellow on top and red on the bottom. It was sitting out at the end of their driveway with some other junk they were putting out for garbage day. By the time I caught up to her she had already settled herself in and was excited at the prospect of the drive. So, I started to push the car back to our house where it has a new home. There wasn't anything wrong with it, just a bit cobwebby. The girls had a blast pushing their sister around and pushing each other into the leaves.

the oldest and the youngest going for a ride in the car

I think the highlight was when we buried the middle daughter in the leaf pile. She thought it was hilarious. I did too. What a fun afternoon.

she was dressed up like a witch so you can see the tip of her hat and the points of her shoes

That sense of family togetherness, adventure and joy has buoyed me up all week. I am so glad that we have those special moments. Those moments, when there is no squabbling, there are no dishes or other household chores to worry about. We are all working together, laughing together, and having fun together.

Sometimes those moments are organic, like this Sunday seemed to be. Sometimes they need to be a bit more contrived by the parent. And you know what, that's okay. I think the important thing is that we contrive and then let it develop into an organic feeling. The kids don't know or care if some activities are planned or not, what they care about is feeling loved and happy. They want to feel those feelings, and if they feel it through something that you planned out, that is great. And if it happens all on its own, that's great too!

What do you like to do for fall fun?

Happy Thanksgiving for all those in Canada!

It's Harvest Time

Well, fall is in full swing. While most of the leaves haven't turned colour yet, the temperatures are starting to get cooler. We had to put on our furnace a couple of mornings to help heat up the house. And I think I saw some frost on my neighbour's roof the other day. BRR.

But what I love about fall is that the farmers market is bursting with delicious produce. Last week I bought leeks, beens, squash, apples and carrots. And man, they tasted so yummy. But, as always happens to me, I bought way more produce than what I can possibly use in a week. I get so excited and the prices are so good that before I know it I have carrots coming out of my ear!

This week at my church we had an activity that talked about freezing and dehydrating produce. I always knew you could do that. I even have a dehydrator I have used a few times. But as with anything, family life, kids and other stuff get in the way, and I just don't think about preserving my food using the freezer and dehydrator. I loose the spark. I think that can happen with anything, not just home production. It could happen with sewing, knitting, crocheting, making your own bread. You know how to do it. You have done it in the past. But, the desire to continue to do it or start it up again just isn't there. I think it goes with the whole times and seasons of life thing. You can only do what you can do. And, for the time being that is okay.

Well, for me, going to this activity totally put the spark back in my desire to dehydrate. Yesterday I put on my first batch of carrots on the dehydrator and when I woke up this morning there were little orange bumpily dry carrots waiting for me. How exciting! I have some more carrots that I am going to do today. It will be exciting and the perfect day to do it as my kids are home from school today. I will have two expert peelers.

As I was going to bed last night I was thinking of how my little freezer could be full of local produce that I prepared myself. And I started making a list of all the things I could do. But, I think I need to pull in the reigns a bit. I don't want to take on too much and get overwhelmed and then just quit. Slow and steady, get in a routine and then I'll be in the habit for life.

What type of harvest production do you like to do?

Whimsical Last Days of Summer

Well... Today I just don't know what to write about. I feel like I have done so much in the past few weeks, yet I also feel like I have done nothing at all. Most of the things that we have done are family memory building activities. I haven't been canning, though I really should, I haven't been preparing things for the fall, or anything of that nature. I have been relishing in the last few days of summer vacation and loving being able to stay at home with my kids and doing things at a whim.

For example. Tuesday, was one of the hottest days of the summer. It has been a really chilly summer and the heat was nice. Since it was so hot, we decided to go to the beach at Pinehurst (A near by conservation area). It was so nice. My husband took off a few hours off work and came with us, which was a really nice treat. That beach was nice because there was lots of shade that was close to the water. Also really nice change rooms. If we had more time we would have gone for a little hike or something but it was just nice to be out in nature, on a beautiful day, being cooled off at a little lake. We packed a picnic lunch full of yummy snacks and cheeses and tomatoes bought fresh from the Farmer's market that morning. Really it couldn't have been a nicer midday activity.

Today I happen to have the van at home which is bit of a rare thing, quite often my husband has it at work. So, I took the kids to the St. Jacob's Farmers Market. I had the little one on my back in my Boba (best baby carrier ever!!!), and the other two walking along beside me. The girls loved seeing all the different things for sale. What they really wanted to do was bounce in the bouncy castle. So I let them and they even paid for the ride themselves! They were so excited to give the worker their money. They felt so proud. We then had lunch at Conestoga Fries which serves their food from a covered wagon. It was fun. The girls especially liked it because their favourite babysitter works there and served them. After lunch my middle girl bought a dream catcher. She found the most sparkly one there. My oldest bought a package of candy for us all to share and one for my husband. (We then drove to his work which is nearby the market and surprised him!) We walked back through the vegetable/fruit vendors and the girls loved calling out all the different kinds of food they saw. We saw some yummy corn so we are going to have corn on the cob with our dinner tonight. It will be delicious!

It is nice when you have days like this. Not to hot, beautiful sun and clear skies, and nothing on tap to do. It is nice when you have the flexibility to go ahead and do things and not worry about time off etc. 

When you decide to live off of one income your life becomes one of trade offs. You trade off exotic vacations for staycations. You trade off going to fancy resorts, to going to camp grounds and local parks. You trade off big renovations with making do and doing a little at a time. You trade having to work every day 9-5 for the ability to be flexible about where you want to spend your energies and time that day. 

There are times when I wish I could go to an office and someone else could look after my 18 month old because she does drive me crazy! But then there are days like this, when all the kids are sweet, the dishes are done, we have the car, and we are ready for adventure. I like these days the best. It is worth the trade off.

The Sacrifices We Make Aren't Really Sacrifices at All

I have been reflecting a lot about sacrifice of late. We all make sacrifices, though we might not always call them that. We allow a car to merge ahead of us on the highway, we are sacrificing our spot in the line of traffic to help someone out. We need a new driveway so we might sacrifice some of our savings or a planned holiday to pay for it. A lot of the sacrifices we make are just day to day decisions, conscious effort to sacrifice a life we don't want to live for one that we do.

As a stay-at-home mom of three goofballs people could justifiably say that I sacrifice a lot to be home with them. I sacrifice a second income, which would definitely come in handy as we try to pay off the mortgage and do home repairs. Trips to Home Hardware for supplies sure add up. I sacrifice my clothes, they are never pristine for long. They are a snot rag, a paper towel, and who knows what else. I sacrifice my privacy. The bathroom is no longer a sacred place. Why they need to come in when the door is clearly closed is a mystery that seems to be beyond me. I sacrifice my sanity. Hearing my 16 month old constantly say Momma, over and over and over and over and over again. Gak! Or when the older ones come and start complaining, or whining or asking for things or whatever. I seriously start thinking, perhaps a paying job wouldn't be so bad. And I sacrificed my body to bring them into the world. Stretchmarks from here to there and everywhere. I don't know where the stretch marks came from, as I never get that big ,but geez Louise, my career aspirations of being a bikini model is out, unless there is quite a lot of airbrushing ;) There are other things that we sacrifice, I could probably be here all day.

But, when all is said and done, I wouldn't have it any other way. I get to see the mischief they get into. I get to see them build towers and habitats for their animals. I get to see them have a crazy dance party. I get to hug them when they are sad and be their confidant. There are somethings that when we think of the checklist of the world that we are for sure giving up, but when you think about love and family and things that really matter, the sacrifices don't really matter. We would and still do keep doing the same sacrifices over.

habitat that my oldest made

a dance performance for their dolls

a tall tower for their turtle

By being a one income family, it allows us to prioritize what is important to us, especially where our dollars go, and what family activities we should do. Are our priorities always what they should be? Heck No! We make lots of mistakes, but we are learning along the way and doing our best. It is also showing our kids that we can't always get what we want exactly when we want it. We have to work and save and plan for things. Are we perfect teachers? Nope! But, we are trying. We are trying to teach them the value of a dollar, what are needs and what are wants and that we have to cherish what we have already instead of going out and consuming more.

Sacrifice does not need to be a hardship. If we think about it. Sacrifice is an opportunity to live a life that will make us feel happy and fulfilled. That could be going against the norm and being less driven by consumption, or it could be going the other way and embracing consumerism and instead forgoing the simple pleasures in life. Sacrifice is about choice, about choosing how you want to live and then tailoring yourself and your surroundings to fit that ideal. If you want to get out of debt and stay out of debt, spending and mindless shopping needs to be sacrificed. If you want to have a garden, a nicely manicured part of your lawn will need to be sacrificed. If you want to spend time with your children as they grow up, a career may have to be sacrificed.

There is no one size fits all when it comes to sacrifice. It also doesn't mean you have to choose between a bad and a good thing. It could be choosing between a good and a better or best thing. So, think about what is important to the way you live, whether it be your own morals, ethics, or religious beliefs and say to yourself "what are the best things I should be doing to achieve the ideal?" Then strive to do them. As we do this we will realize that the actions, habits, or ways of life we are shedding is a freeing experience and that the sacrifice really isn't a sacrifice at all. It is bliss.

What are some of the ways that you sacrifice to live how you do? Do you consider them a hardship or do you find them to bring joy?

Strawberry Jam

This past Saturday I had the most productive Saturday ever. It was amazing how things just seemed to work out that my family and I were able to accomplish what we set out do do. We went to the farmers market, took things to donate at the secondhand store and even got free pizza for lunch! I capped the day off by making three batches of strawberry jam. I did it once the kids were in bed. It was a bit of a late night, but it is much easier to do canning when they are not underfoot.

fresh Ontario strawberries getting ready to become jam

I made jam for the first time last year. It was so nice to have jars ready as gifts, and we didn't have to buy any jam. I had made a years supply! It was so nice in the middle of our cold winter to open up a new jar of jam and get a faint whiff of June. It was so yummy and sweet.

one out of many freshly made jars of strawberry jam

The nice thing about jam is that it is fairly easy to make, yet when you give it so someone they are always impressed. All you have to do is buy the box of pectin and follow the recipe. If you follow it exactly, your jam should work out. I love it when my jam bubbles and gels. I then like using my canning tongs to put my jars in the big canner and then taking them out again. There is no more satisfying sound then the little pop of you lids forming a vacuum seal. Music to my ears.

I think this year I might try my hand at making relish. My mom has the best yellow relish recipe. I usually steal a jar or two of it from her cupboards when we go to visit. I think it is time to stop my thievery and make my own.

While jam and relish may be simple things to make, I get so much pleasure in knowing that I made this for my family and friends. When you put work into something and it helps others, you can't help but feel good. I love seeing my jars lined up and I think to myself wow, look what I accomplished today. Creating, whether it is preserves, or knitted dishclothes, or bread, or a tidy room, makes you feel great. It is nice to create and look on your works and feel a sense of happiness and accomplishment.

What are you going to create today, this week, this month, this year? Are there any canning foods that you enjoy making?

Mushroom Fajitas. Yumyum!

As I plan out my menus I try to have meals where meat isn't the main item, or is not the biggest portion. Don't get me wrong, when I find out that they have discovered a way we can be healthy and get all our nutrients by being a carnivore, I am there. (To me nothing is better than a steak that still has a whisper of a moo.) But, that hasn't happened yet, and so I am all for being an omnivore to the max. Not only is being minimal with meat healthy for our bodies, it is healthy for our wallets too.

The other day I wanted fajitas but chicken and beef were both not on sale, but mushrooms were. I decided that I would use them instead of chicken. And my kids didn't even notice that much of a difference. The child who will try anything ate three helpings. The child who says everything I make is disgusting, well she said the same thing with these. So that means, to me at least, this is a winning recipe.

Oh, the mushrooms. Those fungi of the forest... or the manure pile... they are pretty awesome. In this recipe I used plain old white mushrooms. In the past I have used portebello. Portebello mushrooms have a nice meaty texture. You could use them as a hamburger substitute even. For this recipe you can really use whatever mushrooms you want.

So here it is.

2 tbsp canola oil
200g of mushrooms (I bought a big package that was like 450g and I think I used about half. Basically use as many as you want)
1 medium sized onion
1 pepper (I usually use red or orange or yellow peppers. I don't like the taste of green peppers when they are cooked and the colour of the other peppers give a nice pop.)
2/3 cup water
1 tbsp chili powder
1 tsp cumin
1/8 tsp garlic powder (or one clove fresh)

Put canola oil in a large skillet and put on medium heat. Slice up the mushrooms, onion, and pepper and then add to mixture. Cook until onions are done and the peppers are starting to get soft, but are still a bit crunchy. Add seasonings and water. Stir and simmer until water is basically evaporated.

Serve on a tortilla wrap (This one is store bought. I have making my own on my bucket list.) top with sour cream, avacado, cheese, salsa, tomatoes, lettuce, whatever you want really. Enjoy!

As a variation, this time I added some shredded carrot to it. It was really good. I think I might do it from now on!