debt debs

Personal Debt Wrangler – Had my money head in the sand – but no more!

sciatica-x-ray


25 Comments

B-A-C-K-S (Break50.com, Anti-spam, CNAFinance MVP, Kisses & Kudos, Self-hosted)

Hi folks

I had a good Canada Day weekend, after a rough start, which is why I’ve entitled this post BACKS!  The Irishman tried to change the front brakes on the truck himself.  We had paid $754.76 parts and labour, earlier in the week to have the rear brakes done.  He decided to do the front himself because they are less complicated and he figured he could save the labour charge.  Parts alone were $395.27!  Yikes!  It’s been an expensive week.

sciatica-x-rayAnyhoo, he struggled to get the rotor off because there was rust and corrosion and then couldn’t get the brakes on because they gave him the wrong brakes!!  They gave him rear brakes!   So he rushed to take them back and get the right parts before we needed to babysit and then he didn’t have the right receipt.  So he dropped me off at my grandson’s, so my daughter could leave to go to a wedding and ran back home to find the receipt and get back to the dealership before the parts department closed.

He ended up having to finish the job on Sunday morning and it was a lot of work.  Consequently he is complaining that his back is sore which isn’t good since he had back surgery 7 years ago.   This is his x-ray before his surgery where they put two titanium rods in his back.  I have another photo post surgery of the incision but it’s too gross to show you.

I told him to go to physiotherapy.  I hope he listens and I don’t have to nag him.  Every time he complains about it I’m going to hold up a sign with PHYSIO on it.

Short post (sure you say! 😉 ) today, with various updates on some topics.  So I’ll get started real quick, continuing with the BACK theme.

Break50B – Break50.com Interview

Speaking of brakes (breaks), I was very pleased to be interviewed at Sov’s site, Break50.com,  The Personal Debt Wrangler – an interview with Debt Debs.   Discussions of net worth and Napoleon Hill’s Think and Grow Rich (which I’m currently reading) over there.  Worth checking out as there’s information I have never yet disclosed on this blog.  A big thanks to Sov, for his hospitality.

Canada-anti-spam-legislation

flickr: janet galore

A – Anti-Spam Legislation

Canada launched new anti-spam legislation on Canada Day, July 1, 2014.  In order to comply, I believe I have to get express permission from people in Canada who subscribe to my blog via email.  I also need to remind them how to opt of receiving emails, at any time.  Since this is a fairly new blog, I don’t have  a lot of email subscribers, 9 to be exact (most subscribe via WordPress reader or blog reader tools (Bloglovin’ or feedly).  In addition, I don’t know if my email subscribers are Canadian or not.

But in order to be compliant, I did managed to send out an email using Google Forms to get their express permission to continue to receive my blog posts via email.  Google Forms was actually pretty easy to use, although I made a boo-boo with my first email out and forgot to ask the subscribers to identify themselves.  I was getting confirmations back that they still wanted to subscribe to my blog, but I had no way to know which of the 9 subscribers was responding.  So I sent out a second email.  Since then I have received responses back from 3 subscribers with their email (Thank you! 😀 ) and another 4 affirmations but with no email indicated.  But I’m suspecting that the four are from the first mail out, so theoretically I have only received 3 out of 9 responses and I should be unsubscribing the other 6 from my blog (Boo Hoo! 😦 )

I wanted to do a blog post about how to use Google Forms to do this.   I may still, or I may update this post afterwards, but basically, here is the content of my Google Form:

Anti-Spam Consent

I would like to send a very sincere thanks to all of you who have subscribed to my blog debtdebs.com.

Canada is launching a new anti-spam legislation on July 1, 2014 and to comply with this I would like to obtain consent from you individually by confirming that you agree to continue to receive messages from me whenever I post a new blog entry at debtdebs.com.

You may unsubscribe to receiving these messages at any time by selecting Unsubscribe at the bottom of any email you receive from debt debs or by contact me at debtdebs@gmail.com.

If I do not receive a response from you, I will remove you from the mailing list.

I’m looking forward to continued sharing of my personal finance related stories with you.

Thank you and best regards,
Debs

For more information about Canada’s anti-spam legislation visit.

http://fightspam.gc.ca/eic/site/030.nsf/eng/home

* Required
Do you provide consent to continue receiving emails from debtdebs.com? *

By selecting

My email address is *

This is needed to match responses with responders

 

CNA-Finance-PF-MVP-Award-Vote-for-meC – CNA Finance Personal Finance MVP Award Nomination

As I mentioned last post, my blog has been nominated for the CNA Finance MVP Award.  I was quite tickled given the caliber of the other two nominees.  If you like what you are reading here, there is still time to vote until the end of the day Wednesday.  The votes will be counted Thursday morning.  You can vote by leaving a comment in the post or send an email to CNAFinanceHelp@gmail.com!  Thank you so much for all those who have voted so far!  It’s a long shot for me, but I really appreciate the sentiment, very truly.  🙂

kiss-kiss-gifK – Kisses & Kudos

Since I’ve been away and not near the internet for a few days, I have a lot of catching up to do.  I see many have re-tweeted my post from Saturday and left some nice comments.  Thank you very much!  I’ll be around visiting blogs for the rest of the week.

S- Self-hosting (Moving Blog from WordPress.com to Self-hosted)

I’ve decided to move my blog from the awesome WordPress.com hosted site to a self-hosted site and that will be happening this week (all things going well, crossing fingers and toes!).  There’s a few reasons behind this, most pressing reasons listed first:

  1. I’ve been asked to participate in an event that will utilize Rafflecopter, and this plug-in cannot be deployed on WordPress.com hosted blogs.
  2. I found out when co-hosting a FinSavSat blog hop in May, that I couldn’t display the other blog posts that were participating in the usual nice format that shows the post and associated picture.  Instead I had to have this dumb little frog’s head, that readers would need to click on to see all other linked posts.  Since I would like to co-host that blog hop again and maybe others, I need to be able to install plug ins on my site.  Full stop.
  3. Initially I did not want to pay anything for my blog, since I felt I was being hypocritical, since our large outstanding debt was the primary catalyst for starting.  I finally got fed up with the annoying WordPress word in the blog url (debtdebs.wordpress.com) and bought my domain name for $26 after I realized I wanted to continue to devote my time and grow my blog.  Now that I realize how much work is involved and still want to continue, I need to set myself up for potentially monetizing my blog down the road.  My initial intention was to grow my readership first, and then decide.  Now I realize that delaying the move will only result in more work down the road.  So that, in addition to the above two factors makes me realize that I should do this now and not delay.  If I had known this before, I probably would have started out as self-hosted.

Happy-4th-July
I must admit, I’m a little nervous.  I’m not technically inept, and I like troubleshooting, but I would rather that things go smoothly because who needs the hassle?  I would rather devote my time to writing and reading other blogs.

So despite my good intentions above, if things seem a little quiet here and from me for the next few days, then you will know why.

Wishing all U.S. based readers and bloggers and very fine Independence Day!  Happy 4th of July!

Be back later.  😎

B – Do you ever do your own brake jobs?
A – Any Canadian bloggers done anything similar for the Anti-Spam legislation?
C – Can you vote for me?
K – What are your plans for Independence Day?

S –  Share any words of advice for moving from WordPress.com to self hosted?


18 Comments

Canada Day – Be Mindful and Be Brave

Canada-Day-Long-WeekendCanada Day isn’t until Tuesday July 1st, but basically this is the CANADA DAY long weekend, with many people extending their weekend if possible.

Happy Canada Day to all my Canadian friends.

I am very fortunate to be able to go to my Dad’s cottage for the weekend, meet up with extended family and kick back and relax.

In the spirit of winding down and reflecting, I’m not going to inundate you with lots of frugal tips or financial updates, even though it is the end of the month.

In fact, what I was going to write about will just make this post entirely too long, and I want to vary it up a bit after Brian so aptly pointed out that I rock write a long post!

I’ll save that for another time and just share a few personal tidbits with you.

Be Mindful

Natalie @ Debt and the Girl wrote about The Dangers of Black and White Thinking which I found quite interesting because I’ve always been a black and white girl.  I always labeled every situation as either bad or good, without even realizing I’m doing it.  Shades of grey has never come naturally for me.  I don’t know why, and I’m incredibly interested in human psychology, so would love to understand it a bit more.  Some discussion in the comments about whether this way of thinking comes from life’s experiences or not.  I don’t know and I’ll probably never find out, but it is quite fascinating.

But what I want to say about that is, you can change the way you think by being mindful as Budget Bloggess discusses in Distracted from Spending: Summer Weekends.  I wouldn’t have really had believed before, but I’m halfway through my second reading of The Power of Now and now understand this phenomenon better and practice it in my everyday life.

It makes it easy to log-off from work at the end of the day, knowing that the pile of work will still be there tomorrow and all I can do is prioritize and continue doing my best.   It makes it easy to make a fast decision to stop working for a bit because my grandson has dropped in unexpectedly and I won’t trade those interactions for anything.  It makes it easy to not bear guilt about what I may not be able to do for a family member or friend but feel joy when I can.  Life can be short, so we have to approach it in an inspired and mindful YOLO fashion, but not a reckless and irresponsible way.

If you want more writings that touch on this topic, check out:

How Being Humble Helps Us to LIve a Happier Life from Hayley @ A Disease Called Debt

The Power of Mindfulness from Stefanie, Staff Writer @ Prairie Eco-Thrifter

… and While Being Mindful … Be Brave

Yesterday I was babysitting my grandson for the evening while his folks attended a wedding rehearsal and dinner.  In the true spirit of mindfulness, I was savoring every moment.  We played on the floor with his toys, turned on Disney channel for a few minutes (don’t tell Mom), I fed him (or tried to feed him, he wasn’t hungry as he had a late lunch and was breastfed by his Mom just before she left), took him for his bath and brushed his teeth.  By that time my husband had arrived to lend a helping hand so we did jolly jumper time, then stories, some bottled breastmilk (which he drank half of surprisingly, we haven’t had much luck with that  before) and bed.  He ‘fake’ cried for a bit doing his usual rocking and banging his foot on the mattress (I was watching closely on the monitor) and eventually went off to do-do land.

I was in such a state of joy and yet it was typically a very sad day for me.   Nine years ago yesterday, my Mum passed away suddenly and unexpectedly, alone at home from heart failure.  My father found her, when he returned home from a day at the cottage with my husband and brothers-in-law.  He found her in her bed with her tea cup partially drunk and her crossword puzzle and pen still in her hand.   My parents had been at our house the evening prior and we had a wonderful impromptu dinner, my children were all in attendance (which in itself was unusual given the age they were and all their comings and going), one of my sisters/BIL and a niece and a nephew.  Another sister/BIL had spent a similarly meaningful evening with her the night before.   Looking back, those experiences seem like they were a foreshadowing of what was to come.

I found something really fascinating yesterday, while I was feeding my grandson.  He became mesmerized with my ring on my hand which is a diamond solitaire ring belonging to my Mum.  He was pushing it around my finger, over and over again for a very long time considering he is an eight month old.  It felt like Mum was there with us in the room, just the three of us.  I became even more mindful at that moment.  It was pure peace and happiness.

I can’t remember if this little episode happened before or after the ring pushing incident, but here he is, after spitting out most of what I put in his mouth, but entirely fascinated by his Nama singing Brave to him*.

*Click here to view directly on YouTube

A Few Callouts

I would like to thank MrCBB @ Canadian Budget Binder for linking to my recent Top Ten in his Friday post – Should The Brick honour this customers claim on her extended warranty? : PF Weekly Grab a brew #78

I am very humbled to be nominated by Josh Rodriguez for the CNA Finance Personal Finance MVP Award! over at CNA Finance.  I’m in very highly esteemed company with David Carlson from Young Adult Money and Laurie from The Frugal Farmer.  Big congratulations to Will Lipovsky at First Quarter Finance for winning the first award!!  You can vote by leaving a comment in the post or send an email to CNAFinanceHelp@gmail.com!

We’re minding my grandson again tomorrow and then out of internet range for a few days.  Good weekend and good finances all!
Debt Debs out.

* I have it on my tablet and play it for him, along with Happy and Under the Sea (The Little Mermaid).

P.S.  Man I still can’t write a short post!

brokeGIRLrich
This post is part of #FinSavSat blog hop.
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