debt debs

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

Multitasking


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The New Multitasking – Fragmentasking

MultitaskingDoes the word multitasking make you feel energized and alive?

Not the first thing you think of?  It used to be such a cool word when it was the new black.  Kinda like twerking got popular this year (although that word wants to make be barf).  How about selfie?  It’s sorta cute in a narcissistic kind of way!

My form of multitasking is so fragmented, that I wanna coin a new term fragmentasking.  It basically means flipping around from this to that until the time allotted runs out or you go to bed.  Whichever comes first. Fragmentasking sounds like frugal and fraggles so I’m all over that.  Do you fangirls and bros think your tweeps can relate to that?

So on that topic, here’s what my fabulous and frugal days have me fragmentasking about lately, in no particular order, I give you…

THE FRAGMENTASKING LIST

UHF/VHF/FM/HDTV Compact Outdoor Antenna

Home Hardware: UHF/VHF/FM/HDTV Compact Outdoor Antenna – $134.99

Digiwave Digital TV Antenna ANT7286

WALMART: Digiwave Digital TV Antenna ANT7286 – $89.97

1.  Two weeks ago I let you know we were joining the cable cutting club even though, we actually starting discussing this back in March and I even reached out to fellow blogger Kay at Green Money Stream inquiring about what type of digital antenna they got.  The Irishman has been researching Walmart, The Source, Staples and Home Hardware but we still are antennaless, and alas not cableless … yet.  Enough already.  I still don’t know how I’m gonna watch THE LITTLE COUPLE yet (man I love that show! eeek… I forgot to watch it last night!!!  Oh, man, I guess I won’t miss it that much), so that’s on my fragmentasking list to research.

2.  I had a killer week last week – a project Go Live and there was a last minute glitch identified Tuesday that had to be addressed by Thursday so we could run all the batch jobs over the weekend.  Some configurations had to be updated that had not been detected during testing (grrr…) so three twelve hour days later all the work was completed.  I had to really ignore my fragmentasking during this time because I suck at it and apparently Stefanie from the Broke and Beautiful Life does too.  So I followed the advice I gave Stefanie and said “Hold all calls” (in my head, gee I’ve always wanted to say that), until the work was done.  A little bit of fallout this week that I’m dealing with, unrelated to the initial issue, but hey, that’s life my job.

3.  After a nice Father’s Day brunch at one of my daughter’s, The Irishman, my youngest and I actually spent Sunday afternoon working on stage 2 of garage cleanup.  It was easier with three of us doing it together and I was really pleased that my OCD daughter was able to put herself out there and brave the dirty disgusting garage.   We sorted through a bunch of stuff and The Irishman took a load of donations to Value Village.  Weather was great and we were tired and sore by 5 p.m.  A bunch of garbage got picked up today on trash day.  Good riddance!  Stage 3 fragmentask and possibly 4 will be needed, but they should get easier, now that we’ve cleared up a lot of room.  Not the funnest day to spend Father’s Day but he seemed pleased with the progress and I was a happy mama!  Here’s a before picture but you can’t see final until it’s all done!

garage-before-cleaning4.  So needless to say, with Father’s Day and garage cleaning, I haven’t made any progress yet on my stock portfolio tracking to get comfortable with making the big move to a self-managed retirement portfolio.   I’m very meticulous and very nervous so this will take me some time, but I’m committed to do this.  Is anyone else hearing about a stock market correction?  I keep hearing one is coming, but the quick glance at the daily emails I get, so far so good.

chip-system-grocery-saving5.  Another fragment on my plate is dealing with how to reduce our grocery bill which for us is $800/month but it includes pet food, paper products, toiletries – basically anything we buy at Costco, any grocery stores and Shopper’s Drug Mart.  I use MINT so it’s just easier to have all those stores go to our grocery budget line.   We’ve  been eating our pantry right now so that’s all we’ve done in the short term, but still need to delve in it more.  One idea I’ve had (since The Irishman seems to love going to grocery stores ug and we like to use credit cards to get the cash back rewards), is to use a copycat cash system.  I would get 30 poker chips and two baskets – one spent and unspent.  Every time one of us spends $20 of this grocery budget, we move a chip over to the spent basket.  This way there is a visual of how much money is left and we need to figure out how to make it last until the end of the month.

6.  On the topic of savings, Money Ahoy’s Derek is preaching to my choir when he said Turn Off Your Outside Lights at Night.  I don’t believe you need to leave the outside lights on when you go to bed or even later in the evening.  The Irishman likes to leave the back deck light on for security reasons but I think it’s redundant.  We had front yard lights on a few weeks ago when he left his truck unlocked and someone went in and stole his GPS.  Grrrr… laughs on them though because they didn’t take the charger and the dang thing never holds a charge anymore.

7.  I tried been trying to keep up with my blog reading and it’s not that easy.  Wave your hand if you also have that problem.  I can get caught up one day and then fall right back behind the next.  I’m a little anal and hate to miss a cool post so I pretty much scan them all or at a minimum read the title and see if it ‘speaks to me’.  That, coupled with finding new blogs to read and going back to read replies to comments I’ve left leaves me in a big taskfragging heap and we’ll just leave it at that.  😀

8.  In my blog blitz catchup earlier this week I came across The Addiction of Momentary Pleasure and Seeking the Peak from Trent @ The Simple Dollar and I’ve been giving it some thought as I soak in the tub (fragmentasking at it’s best!).   I guess it’s really all about the law of diminishing returns and finding that sweet spot where pleasure is maximized and more doesn’t lead to minimize it.  Confused?  Go read Trent’s post.  It’s kinda cool.

9.   Speaking of momentary pleasures, for a fleeting moment I got to dream about my future after reading Mr. CBB’s Can you picture yourself living the retired life?  It doesn’t mean I’ll be fragmentasking any less, but on my own terms, you betcha!

The Addiction of Momentary Pleasure and Seeking the Peak – See more at: http://www.thesimpledollar.com/the-addiction-of-momentary-pleasure-and-seeking-the-peak/#sthash.KiE86Cf7.dpuf
The Addiction of Momentary Pleasure and Seeking the Peak – See more at: http://www.thesimpledollar.com/the-addiction-of-momentary-pleasure-and-seeking-the-peak/#sthash.KiE86Cf7.dpuf

Images courtesy of FreeDigitalPhotos.net
Prakairoj / Business Man And Post Memo Around Body
Salvatore Vuono / Casino Chips

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:-( Random Ramblings :-)

We haven’t made a decision yet on our spending dilemma.  I really appreciate the feedback I’ve been getting BTW.  I think we will decide this weekend.  We keep waffling between going and not going with our last position being to forgo.

But …

I got some shocking news yesterday.  Continue reading

https://www.flickr.com/photos/banky177/331468449/sizes/m/in/photolist-vhS2g-8SQKgp-c9U2o-86DYKP-t9CKb-7dhPgo-52CG1z-aW1E8r-86tofd-hLnYb6-4g7A6F-8STQMC-5cSWRR-5xiDFu-7EMv-5X1jTv-Bq7GH-efPteu-4DP8Br-8TW3Q-4o2pdP-5zYwuf-fwXmWR-BZLeF-7Z25Zm-7krzkQ-7MQnjN-8KzGKC-bPCnFt-5y8fDf-9eg6Z-6XirFg-7q6Mf5-7jsToM-CXbzA-aBUo2n-aise8x-4vXDdc-4md4kU-5bZGLE-efPtjY-vhS1F-aPCDQv-8euzir-aALCrs-5mtqXu-4ya4y-88Myd1-82GaEd-bR9gbi-8to24z/


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Happy Belated Pi Day

OK so just getting going here and haven’t found my groove yet.  This is going to be a random post of thoughts in my head and goings on.  I need to get some traction, people.

https://www.flickr.com/photos/banky177/331468449/sizes/m/in/photolist-vhS2g-8SQKgp-c9U2o-86DYKP-t9CKb-7dhPgo-52CG1z-aW1E8r-86tofd-hLnYb6-4g7A6F-8STQMC-5cSWRR-5xiDFu-7EMv-5X1jTv-Bq7GH-efPteu-4DP8Br-8TW3Q-4o2pdP-5zYwuf-fwXmWR-BZLeF-7Z25Zm-7krzkQ-7MQnjN-8KzGKC-bPCnFt-5y8fDf-9eg6Z-6XirFg-7q6Mf5-7jsToM-CXbzA-aBUo2n-aise8x-4vXDdc-4md4kU-5bZGLE-efPtjY-vhS1F-aPCDQv-8euzir-aALCrs-5mtqXu-4ya4y-88Myd1-82GaEd-bR9gbi-8to24z/

photo from flickr
License Attribution Some rights reserved by marioanima

So in search of ideas (I have none – but I also lie), I’m not just lurking blogs (OK I might have done that for a few weeks while trying to decide if I should do this) but actually engaging.   Let’s be honest, people (ok I’ve used the word people twice, is that really my style?), I’m not looking for comments or traffic full stop.  I’m looking for kindred souls, wallowing in self-pity, who are actually worse off than me.  (Remember above where I said I lie).  OK two out of three parts in the last sentence are actually true.  I do love

ca·ma·ra·de·rie

[kah-muh-rah-duh-ree, -rad-uh-, kam-uh-] Show IPA

noun

comradeship; good-fellowship.

(and I did not know how to spell that) around a common goal (your money and my money, we won’t combine things just yet, mkay?).  For the lurking that I have done, I have yet to find someone who is as bad off as me (I use me and we interchangeably in this blog because I am half of a married couple, but let’s face it, he is not writing this blog, does not know about it yet, is not doing the finances….ahem).  Ya, as if anyone would like to combine finances with me.  Remember, I said random thoughts.

So as I was saying, in my pursuit, I found this lovely gem of a blog which requires me to read it from inception fall 2013 to today (Well technically the blog doesn’t require me to do this, but my non-retentive personality thinks it’s a good idea).  I’m at Little Miss Money’s In Pursuit of Riches Day 62 from Dec 15 and get side-tracked by 69 Fantastic Ways to Make Money (that number is a little suspicious, I’m just sayin’…).

This causes me to spend a couple of hours (ok probably more than that) trying to upload unique baby onesie designs at Cafe Press for which I am neither technically competent nor have the needed software to create, even if I have a kick-ass idea.  So I create using Microsoft Word and copy to Paint. (My all this Creative Commons License for photos has me in a tizzy, thinking I have to put ™ or ® or© or ¥MCA when I use stuff like that. I liked it in the olden days when we blogged and didn’t know what we were doing by ripping off offending people who put their stuff out there in the air.  Well, I still, obviously, don’t know what I’m doing but at least I feel bad about that.)  But when I upload this poor man’s jpg, all the site wants to do is put my designs on water bottles and key chains, not baby onesies.  Eventually, I figure out how to get it on some baby stuff but now I’m not clear on how it gets into the Cafe Press Marketplace.  So on this wonderful day in mid March it is becoming abundantly clear any attempts at side hustle will be easily thwarted but I can still have fun with my creativity, right?

So I still need to get back to LMM blog which I’m really enjoying (go refill coffee here), and especially excited since she is interacting with me.  I have to confess that during my lurking weeks I found a blog called Middle Class Mom in Toronto that was not active since 2011 but I read it all anyways from Feb 2010 – July 2011 (yes, I  got hooked).   I’d love to know how she is doing now on her debt journey and with her daughters and otherwise but I guess it’s not meant to be.  Ya, so you know how some blogs just pull you in?  Well that’s how I feel about LMM and I don’t even mind making the investment in reading her entire blog because, well it’s < 2 years and I have a live person contact so I can know how it’s going to end.  {insert big smiley face here}

Well I guess that’s enough for today, except a few other random thoughts as to why I entitled this post Happy Belated Pi Day, which was yesterday, 3.14, of course.  I’ve always been a fan of numbers having a degree in Math and Accounting, which makes my whole reason for this blog extremely embarrassing.  Shoemakers kids have no shoes analogy goes here.  Plus I hate doing my taxes, so I don’t, leaving it for the Irishman.  Ya, so for that reason and with the size of the dreaded D word means I want to stay incognito.  But it still means I want support and also to help others to learn from my situ.  OK enough, we’re going to my daughters for dinner so I should get cracking.  Maybe I should bring some Pi.