I was just approved for a new credit card with a big $300 upfront bonus (redeemable for gift cards) after you spend $1,500 in the 1st 3 months. That's a bit of a challenge, but I've done it before. I had to temporarily lift the freeze on my 3 credit bureau accounts before applying. To be sure I can do it, I'll now exclusively use this one card for the next 3 months, or until I reach the target spend.

At the same time, I just activated an offer by another of my existing cards where you earn a $15 statement credit after charging $75 at grocery stores by end of January. Easy peasy.

Unfortunately, amid all the inflationary price increases we've all been seeing, my electricity and income tax bills will have big price jumps very soon.

I still have just one person left to buy a Christmas present for, and she's usually the easiest, so I really need to get to my favorite local gift shop and do that very soon as I'll have to ship the gift to her, along with one other cousin. I hate spending money on shipping, but i wanted to wrap both gifts, so....

I recently had a nice dinner out with a friend at a newish Indian restaurant. I liked it very much. Afterwards, we walked down Main St. to admire the luminaria candles that were lit in little white paper bags and to view the 2 Christmas trees that were officially lit earlier that night to mark the start of the holiday season.

Greetings, all.

I'm feeling very happy that after my Internet bill rose from $39 to $52 due to 2 promotions expiring, the rep on the phone was not only able to lower my bill, but to reduce it further, to just $32 a month, a price that will be good for 1 year. (I know that many of you are going to tell me you pay much more. )

That feels like a minor miracle, given how everything is going up in price these days.

However, I have so many looming big expenses coming up, just at a time when my income is shrinking (due to lack of work from employer).  These expenses include about $650 in car maintenance (I will use my AAA member 10% discount at the car dealer); half of my annual property taxes, $3,383, due by the end of December; my estimated Q4 federal and state income tax (due Jan 15) and, down the road, the possibility of needing 1 or 2 crowns for cracked teeth, to the tune of up to $3,200. That one's not a definite, at least for right away, but something to keep on my radar.

Guess I'm gonna have to tackle the car maintenance first. I had tried getting a price from the local station near me, but they failed to call me back as promised, so eh. They don't accept the AAA member discount, nor do they have anywhere for you to sit and wait, which is likely what I'll have to do. So the dealer it is.

I am still spending time with M., the man I met online back in September. I usually see him every week, but he's very frugal, like I am, so aside from that first time we met at a riverfront restaurant, he usually has me over for dinner, or vice versa, and sometimes we do food shopping trips to outlet stores, Asian and Indian markets and the organic farm stand in Millerton.

He and I cooked a wonderful Thanksgiving dinner for us and my dad at his place. It was probably the best Thanksgiving dinner I ever had. I made a really good cranberry-blueberry salsa and vegan ice cream for dessert, and his turkey (I got it for free from BJs) with mushroom gravy was the best. However, we forgot to put the stuffing on the table and so that was a bust.

He didn't want any of the leftover turkey as his fridge was packed, so I took it all home and made turkey soup a day or two later.

I'm pleased to report that my Christmas shopping is almost done. I only bought for 5 people; I will have to pay additional shipping to mail presents to my 2 cousins, and of course my father will complain that I bought him anything at all, but he will be getting a pair of slippers.  M. is (agnostic) Jewish and he's a big foodie like me, so I was thinking what fun it would be to buy him small gifts for each day of Hanukkah, but he said no, that's just for the kids. Nevertheless, I got him several things for the kitchen, including a much-needed knife sharpener, a large bamboo cutting board, a silicone garlic roll and a mushroom jerky sampler (delicious). I'll also be making bird treats for him to put in his feeders and hang from his trees. Plus some "Men Don't Stink" soap.

Luther and I went to see a new vet this week; I had a copy of his chest x-ray from last year, a video of Luther having a coughing fit and the other vet's records. This vet said that asthma and lung cancer look very similar on film but that treatment would be the same, steroids to reduce inflammation. I know Luther's days are numbered. At 16, though, he's doing okay, and the meds are making him eat more, which is a good thing becus he's always been a fussy eater and his weight had dropped from 10 lbs to 8.something. The steroids have reduce the coughing fits, from 3 or 4 times a night to just 1 that I'm aware of. We will need to taper down, though, so I hope his improvement lasts with the reduced dose.

Yesterday I got the tree up and piles of Christmas decorations out, many of which have memories of loved ones no longer here. Hung the big wreath above the garage, so it's the first thing you see when you come up the driveway. Right now I'm recharging batteries for the candles that go in my windows.

Mouse in House

I  noticed my last entry here was about a mouse, and, well, I seem to be repeating the mouse tales since the weather has suddenly turned cold after a very warm autumn.  I had 2 traps set behind a little secret door to nowhere at the top of my basement stairs; I can always reliably catch mice there cus it's right next to the furnace flue, and its warmth attracts the mice.

I noticed the other day that one of the traps was missing, and I peered around a pillar as far as I could crane my neck, but couldn't find the mouse or trap, but now I know for sure it's somewhere as I'm noticing the smell in my office, directly above, and also the downstairs hall off the kitchen, right next to the same area. I'll have to investigate again, this time with a stick or something.

Portfolio Scary to Behold

Well, compared to a year ago, my overall portfolio is down about $131,000, and that's being pretty conservatively invested, 50/50 stocks/bonds. I'm trying not to do any unnecesssary spending...

Job Woes

...but the fact is, I've been living partly on savings for day to day expenses due to the fact my p/t Indian job, which I've had since August, is giving me maybe 9 hours of work on average each week when it was supposed to be 20. I did ask them for 2 things: 1. to let me know on those days when they won't have any work for me, and 2. to honor my 2 days off, days they assigned to me. Not doing either one has wreaked havoc on my personal life as I'm afraid to go off and run errands or do other things if I think they may send me work. I need to turn it around in 24 hours, so I Iike to get on top of it quickly.

After I complained about it (nicely), they are still doing exactly the same thing, and they never did respond to my original complaint! Yes, I'm looking for other work to either supplement or replace this job, but the fact is, it's difficult to find p/t work at the rate of pay I'm earning, and I won't return to f/t work. I may just need to stick it out for another 1.75 years until I pick up Medicare. My old employer, the pharma agency, has said I'd be their first choice to to hire back if work picks up, but I'm not counting on anything.

Miscellaneous Saving Opportunities or Scores

In the meantime, I'm always on the lookout for opportunities to save money somehow.  My US Bank card is offering 20% cash back on any spending between now and year's end. I'm preparing to apply for  a Capitol One $200 cash back bonus card, but one of my credit bureau acounts is inaccessible and I need to unfreeze all 3 before I apply.

I was able to sell about $1750 (that's net of 30% commission) of my mother's art through a local gallery in recent months, much of it to a single person who truly has become a "patron" of my mother's art.

By spending $150 at BJs during a certain time period (not much more than I'd usually spend), I scored a free turkey, which I'll be picking up at the end of the week. I am still eating largely vegetarian, but the man I've been spending time with has offered to cook a late Thanksgiving dinner for me and dad a few days after Thanksgiving, so I am giving him the turkey as I'll never want to eat that much turkey; I may ask for some leftovers to make turkey soup, but that's it.

Gushing About Garlic

Now that we've had a hard frost, I was able to heavily mulch my garlic with a layer of leaves for winter protection; I had one last spare piece of plastic fencing (I routinely use plastic fencing to deter deer from nibbling my rhododendrons and mountain laurel), and I lay the fencing over the leaves on the raised bed; it nicely covered about 90% of its length and should keep the leaves from blowing away in heavy winds.

I maybe tried growing garlic once a long time ago, and decided to give it another shot with a hardneck variety from Spain.  Most of my leaf raking is done, and my attached garage is stuffed with overwintering annuals like geraniums, lantana, gazania daisies, nasturtium, mint, coleus, angel wing begonia and a fig tree seedling I have high hopes for.

I've decided it's better for me to park the car in the driveway during a snowstorm, because I can park it further down the driveway, saving myself a good 20 feet (or more, if I park on the slope) of snow shoveling. So I'l be able to avoid opening up the big garage door, and I've got a large window on the south side that lets in a lot of light. I water lightly, like once every few weeks or less.

Connection From the Past

Those of you who know me from years ago may remember my frequent mentions of my old friend R., who died maybe 3 or 4 years ago. Some time ago, I joined a Facebook Slovak genealogy group, although I am not actively doing family tree research right now. I came upon a post by someone in the Slovak group who shared R.'s last name and seemed to live in my area. I left a comment on his post, and sure enough, it's a cousin who said he wil PM me soon. I am curious to learn who he is; R. mentioned his extended family from time to time, but I don't remember any specifics.

Winter is mousetrap time, and yesterday I noticed one of 2 traps I have in the basement is entirely gone. I know a mouse was caught in it, but it's nowhere to be found. I can clearly here when the traps go off, usually early evening, after the darkness and cold have set in. Very wierd. Same thing happened this morning with the other trap, although in that case, I found the trap...empty. They are getting very good at escaping.

Remember in my last post my belief that you can get around the "too many credit card offers applied for" scenario by applying for more than one credit card on the same day? I was wrong. I got the explanation from one of the two card offers I was turned down for. I was turned down because I had already applied for the Wells Fargo card. I should get the Wells Fargo card soon, and then, happy charging toward the $200 bonus.

Speaking of charging, I did go on a bit of a spending spree for myself. My father gifts each of his kids money, and so I spent only a very small portion of it, about 5% of it.

You see, I've reached a certain point in life. For many decades, i've just naturally been frugal. Well, probably because I HAD to.  I most often shopped with the final price being an important, if not the most important factor in making the purchase. Now, I want to treat myself a bit better, where it counts.

So I purchased some very nice Pottery Barn percale sheets, plus some other sateen sheets elsewhere. (I want to compare them and see which I like better.) Both cost substantially more than the bargain-basement sheets (often flannel) I would usually buy at some place like WalMart or Target. I am really looking forward to sleeping in some quality sheets.

I also very recently bought a nice gray chunky big weave cotton blanket. In addition, I have a very nice Pottrery Barn coverlet I bought about 3 years ago which has still yet to be used (!), as I knew the cat would sharpen his claws on it. I figured he is 15 years old, and that I would wait. He's still hanging in there.

The other thing I've been spending on is cute jeans/straight leg pants. Ever since I lost weight and found I wear a size 6 pant, I've been stocking up on whatever strikes my fancy. ..torn jeans, frayed hem jeans and other little embellishments. I love them all.

A much larger expense was another tree takedown, a towering white pine in my front yard. Now I can rest a little easier when the next storm arrives. I'll need to clear out all the weeds that were growing under the canopy, and now I have a roughly 25-foot diameter space to plant more pollinator perennials and shrubs. There's already a doublefile viburnum and a Japanese maple sapling in there that I will leave, but everything else will go: mostly poison ivy, some black locust saplings and mile-a-minute vine.

Wednesday I had my friend R. and her dog over for a glass of wine; she brought a bunch of her gorgeous and delicious Christmas cookies.

Yesterday I took my dad out for breakfast at Chip's. Today, Christmas eve, happens to be my friend D.'s birthday, and she is recovering from hip replacement surgery, so I told her I'd be over there with some cookies I made for her. I also brought her some homemade split pea soup last week. I won't be doing anything special for Christmas until end of day, when the new man I'm dating comes over. I knew he'd be spending the day with his family, so I suggested he enjoy his time with them, then swing over here when he's done.

Happy holidays, everyone!

Things are going along swimmingly.

I have not yet done my year-end reports on spending/income, but will do soon.

Today I noticed while paying a credit card bill online that they had already preapproved me for one of their new cards, which came with a $100 bonus.  I was going to go for it, but then figured I may as well check creditcards.com to see if I could find a card with a higher bonus. I did, a Wells Fargo card that gives you $200 bonus after a $1K spend in first 3 months. Of course, I had to temporarily lift my credit freeze at all 3 bureaus first. Anyway, I was approved. My credit is in the Excellent category.

I think I had read somewhere that it takes a day or two for a credit check to show up on your credit reports, so I thought I would apply for a SECOND card, soley for the bonus offer, especially since I noticed there was a Citi offer where you only had to spend $750 in the first 3 months, and I was confident I could hit the spend targets of both cards.

Unfortunately, I was denied the 2nd credit card application, and then a 3rd. So maybe what I thought I'd heard about the delay in credit checks showing up in your report was untrue.

Well, anyway, happy to get the Wells Fargo card.

Today is a rare day when I have nothing in particular I really have to do, plus the weather's a bit dismal, so I'm enjoying posting here.

I've been dating someone new for about the past 4 or 5 weeks now. He lives kind of far away (about 55 min) so I've only been seeing him once a week. He's a retired pharmacist (not in retail setting, in a hospital). We seem to have a lot in common including hiking, biking, kayaking and a love of travel.

Now that my knee is about 90% better, I think we've hiked every time we've met (except the 1st time, when we met at a Panera's).

It's kind of nice that my cousin, who's a few years older than me and widowed, ALSO met someone and will probably end up marrying him She actually knew him for 20 years as he works at the same engineering firm she's worked at since high school. He was more recently widowed. She told me she never expected to find love again. She's very happy, and he's whisking her away to see different concerts every week, Bocelli being the most recent one. So we are like 2 teenagers comparing notes, although they are about 6 months ahead of us.

I bought some matcha tea a while ago, and decided to make some today. Boy, was it awful. So bad, in fact, that it made my stomach unsettled and nauseous. I had to eat some crystallized ginger. Ugh. Might try again in a smoothie with other stuff, but definitely not straight. I would like to learn to love matcha, the way I did tinned sardines, for the health benefits.

My Christmas shopping was all done a while ago, and just one more thing to wrap.

I'm VERY happy to report I've returned to near daily walking for exercise, weather permitting. Tomorrow I'll make a split pea soup for the week ahead.

Knee Surgery Recovery Continues

I'm happy to report I am starting to make real progress in recovering from knee surgery.  I had 2 visits so far with the physical therapist, and I noticed a significant improvement after the very first session!

He did some massage and a lot of pressing down on my knee (I can't straighten out the leg completely), and while it was kind of painful, it seems to have jump-started something and I left there feeling much more flexible in the leg. And since then, I've been able to walk upstairs normally (I still do one step at a time going down as that's a bit too much of a stretch).  I am also walking more normally, though I still have a ways to go yet.

Someone from my Buy Nothing group gave me a stationery bike, and while it's an oldie, it does what I need it to do: let me cycle, starting with little to no resistance. However, she couldn't bring it up my outdoor stairs herself, and since I couldn't help her, she put it in my garage for me, so that's where I go now to use it. Luckily, this fall has been very warm and comfortable, so it's actually nice to go out there and do it, but when it turns cooler tomorrow, I'll just bundle up more.

I have just 4 more PT sessions left and I hope it's enough. There's still quite a bit of swelling in and around the knee and I have been icing, but without a proper gel pack, which I ordered on Amazon and which should be arriving tomorrow.

Garden & Yard Work

You'll be happy to know I was able to fling the deer bones with a shovel last week into the woods and off my lawn.  And since the weather has been divine for the past few weeks, I have also been doing a bit of yard work, slowly and not much. 

I did move a Dark Knight Bluebeard which I spent a fair amount of money on last spring to a better, sunnier location. It was completely shaded out by my amsonia. I don't think it liked being moved as it shed a lot of leaves, but I've been watering it and I got the whole root ball so it SHOULD survive into next year. It's a great pollinator plant.

Yesterday I also was able to dig up a Japanese iris (they tend to spread) and gave it away on Buy Nothing; I also completely fenced in (plastic fencing) a lot of new growth on an old rhododendron that the deer chew to bits in winter; I'm determined not to let that happen this winter, so it's pretty much like a box made out of fencing that's tied together along the seams with string so they can't push their head through.

I'll wait til December to initiate Phase 2 of my plan to rejuvenate this old rhodie, decimated by the deer and some kind of gall disease. I'll be doing a hard pruning of its long branches, which will make it look better, stimulate even more new growth and make it easier to weed under it. There will also then be more room to plant perennials.

Worst come to worst and it dies, I will continue using the roughly 8 foot diameter circle it occupies in my lanw for more pollinator perennials. It's a good sunny spot.

After I fenced in the new growth on the rhodie yesterday, I began attacking the mile a minute vine that took over my entire back wild area, and then some, mid-summer. By the time I noticed it I couldn't do much because of my knee, even though the time to pull it out is before it gets its berries. I ripped a fracton of it out, but many more blue berries fell on the ground than I was able to collect, ensuring this awful invasive remains for years to come. Very sad. My only consolation is that maybe it will smother and kill other invasives it's growing on top of, but I need to clear a path to my beautiful red maple in back because I see the mile a minute vine has begun climbing its branches, and I won't allow it to be killed.

I could only work a few hours because, strangely, my leg felt fairly fatigued. I guess it shouldn't be too hard for me to understand that after a year and a half of hobbling around, favoring that leg in an effort to AVOID surgery, that the leg would have become weaker from disuse. Even though I steadily continued my indoor workouts throughout this time. Now I need to start building it back up again.

Stocking Up for Next Year

I've been busy harvesting seeds from my various mostly potted plants this year, which include mainly coreopsis, lantana, nasturtium, cosmos, calla lily, marigold and ragged robin. I am well stocked now for next spring. Not sure I'll have any space to plant stuff like the cosmos, but I have continued giving away a lot of seed.

I'm still waiting for all the bills for my surgery. So far I've paid just the anesthesiologist one, which frankly, was quite small in comparison to what I thought it would be: $312.

Flu Shots and Lunch Out

Today I got my flu shot. Next week I'll focus on getting dad his flu shot. We had a lovely lunch at one of our favorite country taverns, which was a nice drive with the foliage changing color. This was my dessert, a "triple chocolate mousse."

You never know where a conversation with my father wil take you. We discovered we both admired Vespa scooters, and before I knew it, dad was offering to buy himself or me one. Um, dad, you can't drive one.

Passport Arrives After 3-Month Wait!

I am very excited to have finally received my new passport in yesterday's mail. It had been so long since I applied for it (last July) that I had no idea what it was when I got the "official government business" envelope. I see a lot has changed in the design since my old one. Like, my old one's cover was kind of like a royal blue color; this one is a dark navy blue. I don't have specific travel plans, but I figure if I'm going to go anywhere, it likely will be in the next 10 years.

They have yet to return my original birth certificate, which they indicated would come in a separate mailing. Sure hope they don't lose it!

Making My Christmas List

My cousin, the one who was here during my surgery, announced he has decided to order me my Christmas present now, in case, there's a delay, and I can choose to open it upon receipt or wait. And that it was something he thought I "really needed," and that he would order it from William Sonoma.

Honestly, I think he likes to tease me with "hints." I have no idea what it is I so badly need, but he tends to be very good at picking out presents an he always buys the best. This is good, but a little initimidating when it comes to me choosing a gift for him. I'm always afraid that he's not going to like it. In the past, he's told me what he likes, but it's not much of a surprise that way.

I want to start my Christmas shopping EARLY to avoid delivery issues.

On cloudy and overcast days, my energy level really takes a hit and I find it hard to get much accomplished.

Found Diamonds!

I got tired, finally, of the fact that my favorite flannel shirt was missing 2 buttons, so I went to my button and sewing supply box to see if I could find some buttons that more or less matched. Then I became distracted by all the shiny buttons and set about to organize them. At the very bottom of a small cardboard box that contained buttons, safety pins and little screws, I found 2 old diamond stud earrings! Don't ask me how they ended up in the box, but I hope to sell them to a local jewelery store and get a bit of cash. That would be fun!

Knee Surgery Recovery

I'm already 17 days into knee surgery recovery.  I'm feeling stronger, but I'm a bit afraid to bend the knee too much (like when you walk up stairs) cus even though I can do it, a week ago it kind of felt like one of the sutures was pulling apart every time I bent the knee, and in fact one of the sutures did look a bit more open than the other one. So I went in to see surgeon this past Monday and he said to defer the start of physical therapy for a week to give it a bit more time to heal. I'm still doing hourly exercises each day, but none of them requires knee bends. They include leg lifts, ankle flexing and balancing on that leg for about a minute at a time.

I haven't gotten the bills yet for the surgery, but when I called ahead to find out how much it would cost me so I wouldn't freak out, they told me there would be 3 bills: 1 for the surgeon, 1 for the anesthesiologist and 1 for the facility (co-owned by the doctor, interestingly).

So far my costs are well under the roughly $4K I was told I'd need to pay as I haven't met my annual $4300 deductible. For some reason, 2 anesthesiologists each billed me $156, so I'd like to find out why. The doctor billed me $1,232 and so I'm just waiting for the facility fee.

Deer Kill in the Yard

Three coyotes killed a doe in my yard roughly a month ago now. At the time, I searched the property looking for something dead as the stench was awful. I didn't learn of the deer's location until I asked my lawn mower guy, who said "I thought you knew" where it was. Nothing but the skeleton is left already, with the head and some leg joints severed and separate from the body.

I saw 3 coyotes just a few days before I began to smell it, and at the time (early am) they did not appear to be "hunting" anything but seemed animated or excited by something as they ran back and forth from my back yard to the front, where the deer was, several times.  Impressively, they covered a distance of over a hundred feet in just a few seconds.

Above are 2 of the 3 coyotes, headed down that little path in upper right of photo, which leads to the back side of a very large white pine where the deer was killed.

This is what they left. (Note the skull and some leg parts have been severed and can be seen above where the body is.)

Anyway, now I feel I should get rid of what's left before my mower returns on Tuesday so he can do a complete mow. I plan to use a shovel to fling the bones into the nearby brush so it's all at least off the lawn and mostly out of site. I am not looking forward to this task and it kind of grosses me out, but somebody's gotta do it....

Just yesterday morning I spotted a red fox trotting past the house from the kitchen window, headed in the general direction of the deer bones. Indeed, I can look out my upstairs office window now and see a leg joint there, presumably carried there by the fox or other scavenger. Although I have seen tracks in the snow, I haven't seen a red fox here in years, so I'm sure it was attracted by what the coyotes left behind.

Got a Raise

I asked for, and received, a 5% raise at my p/t job 2 weeks ago. Not much of a biggie. They have yet to get the paycheck right.

How I Spent my Tax Refund

I did end up spending the unexpected tax refund (thank you Mr President), not from my return, on a new ultra-high-efficiency Samsung washer/dryer. I love energy-efficient gadgets and appliances in general; the dryer uses heat pump technology and actually removes moisture much the way a dehumidifer would. Kinda interesting, but I'm not sure I'm lovin' the front load vs top load. If you don't have a low laundry basket to put under the open door, clothes tend to fall out when you're filling or removing items. It's awkward and hard on the back. Most of these types of washers/dryers have a stand that at least raises them a foot or so higher, but Samsung apparently doesn't make them for this model. I may have to look into retrofitting something to make it better. The dryer plays a song when the load is dried.

Well, Dido beat me to the punch with her account of our recent get-together at a small country town in the Poconos of Pennyslvania.  Although it was just a day trip, I REALLY enjoyed getting out of town for a while; it was my first extended trip since the pandemic started, and even just driving west on the wide open highway in unfamiliar territory felt so good.

I think she covered all the highlights: bike ride, yummy lunch and browsing an antique mart, all of which allowed me to minimize walking due to my knee injury.

I've come to the conclusion I'm going to need surgery to fix it but still have a lot of trepidation about it. I saw a surgeon over a year ago now but I'd wanted to try physical therapy first. It helped, but only to a point. I really can't walk any great lengths, or it will start feeling sore and before you know it, I'm favoring the knee, then limping it I keep walking. I can get around well enough around the house or runnng shopping errands, but extended walking, no. I feel it's already affected my quality of life and I've given the knee ample time (over a year) to heal on its own, but it hasn't, really.

So Monday I plan to schedule a return visit with the surgeon, who will probably want to repeat the x-ray since it's been over a year and I've been walking on the knee.  I'm not sure how quickly they can schedule the surgery, but I'm thinking October/November would be a good time, since it's before any major bad winter snow and I'll also be done with any kind of yard work and spending more time indoors anyway.

My cousin who lives 4 hours a way has generously offered to come take me to the hospital and back, and stay as long as I need him to. He's retired, so he has the time. I am so grateful because the many details of how the recovery would take place were kind of overwhelming and had been keeping me from doing anything about it.  I may need transportation to physical therapy or follow-up appointments afterwards, and I'm not sure if I'd be allowed to drive. I do have some stairs outside leading to the house. I may be on crutches, so I'd want someone besides an Uber driver to help me up the stairs and make sure I'm settled in okay.

I would plan to let him sleep in my bed and I would live on my first floor for a while, move my computer/router to the dining room table, and I guess I'd have to buy a bed or something for the downstairs. Wondering if I could make do with just a cot or futon. I don't have any extra space for it afterwards, unless it folds up or something. The main thing I think would help is if it was off the floor to make it easier with the knee getting up and so on.

I'm not looking forward to it but have talked to various others who've had similar surgery and it didn't seem to be a big deal. It is a big deal for me, partly because I live alone and don't have a spouse I could assume would be there for me. Hence the added apprehension.

In other news...

A friend of mine is not only baking me a cake of my choice (dark chocolate/peanut butter) for my birthday, which was this past week, but making dinner too! I'm not positive I've ever had linguine and clam sauce, but I think I'll like it. I'll bring her a zucchini from my garden. I was a bit relieved to hear she finally got her 2nd shot, something she had long delayed for months after having a very adverse reaction to the 1st shot. Especially now that I'll be having dinner in her home.

The garden is doing pretty well. My jumbo sized cherry tomatoes are finally turning red and I've had a few already. I think I've picked 19 zucchinis so far (yes, I keep track) and my string beans, which are under row cover, are looking fabulously healthy but are only now forming flowers. (I planted them mid-summer.) I had a smallish eggplant and have a few more on the plants. I have an asparagus bean plant that I don't expect to amount to much. It's growing but is completely vulnerable to deer browsing since it's growing on the fence that surrounds my raised beds.

I'll be spending a few grand for a tree company to trim some dead wood off a giant silver maple in my back yard and cable the 4 co-dominant branches, which are huge and heavy. Not only does the cabling provide extra support, but if any branch did fall, it would fall close to the tree, not on my house. It's actually more money than I've spent to day on any tree takedowns in the 25 years I've lived here

, but it's been on my radar for a while. I feel distracted by my knee issues and other stuff, so I don't think I'm going to get a 2nd estimate from someone else. I just kind of want it taken care of.

That's my tool shed in front of the tree, which my dad built the year I bought the house.

I was sorting through some old receipts and I came across the receipt for the garage door opener I finally had to replace earlier this year. It was a Sears Roebuck model that came with the house, so I knew it was old, but the receipt confirmed a previous owner had installed it...in 1988! That garage door opener lasted 33 years!!!

Looking at that old receipt got me interested again in tracing the history of my house. I did it once many years ago, but got stuck at one point in the 1940s, I think, and in any event, I can't find the list I made of all the prior owners I did research back to that point. I will try to set aside some time to start the process at the town clerk's offce where they keep the records. The house was said to be "circa 1930" when I bought it, so I'd like to see for myself how far back I can go, or if there are records prior to that time.

I bought a cordless, battery-powered hedge trimmer and tried it out last night. I love it! I've had a B&D corded electric hedge trimmer for years, but even with my 100-foot-long power cord, I only used the trimmer on some boxwoods near my driveway. Now, with the cordless trimmer, I was able to walk the entire perimeter of the property, easily cutting through the any brambles and other overgrowth that surround me. Of course, I'll need to go back and pick up all the trimmings, but at least I can keep stuff trimmed better so my mower man doesn't just avoid doing all the edges.

As my knee continues to heal, I have reduced the frequency of my physical therapy/doc visits because it's been getting kind of costly, plus I want to preserve some PT visits should I end up having to go for surgery anyway. My  insurer said they'll cover me (I still pay a $30 copay) for up to 40 visits for any one issue in a single calendar year. I think I've used up 7 PT sessions so far.

I also thought that bike riding could be a good way to continue rehabbing the knee without the pounding of the joint that comes with walking on a hard surface like asphalt. I've tried it out a few times in a very limited fashion around my neighborhood, and liked it. Unfortunately, my neighborhood is surrounded on 2 sides by busy roads and another way  to go involves a very steep hill. I have to be careful coming to a stop and not hopping on that leg when I dismount, but the circular motion of pedaling should be good to help stretch the tendons in that leg in a controlled fashion, and they are very tight.

Here in the Northeast, we've been stuck in this tropical weather pattern of heavy rain followed by continued mugginess and high temps. Not the kind of weather that inspires me to do any much-needed weeding or cutting back of vines. My tomato plants have toppled over from their own weight and really need to be tied up today. I've been steadily eating zucchini and my mid-summer-planted stringbeans are just popping up. I'll be growing them under row cover to keep beetles from attacking them; one hoop/netting thing is done, and now I just have to cut row cover for the other one. I just use 2 plastic hoops, over which I put the netting, which is secured by small rocks.

Tomatoes, unfortunately, are much to big to grow under a row cover! Same for the zucchini and eggplant. I only planned to have ONE zucchini and 2 cucumber plants, but somehow I planted TWO zucchini, which have now taken over.

Last week I was able to switch my auto/home/umbrella insurance policies over from Safeco (division of Liberty Mutual) to Progressive, saving myself $368!! Safeco quoted me a pretty good rate of auto/home about 5 years ago, but every year since then, they hike their rates by about 15%, and I've never in my life filed any claims. This really irks me. I feel they take advantage of good customers instead of rewarding them. This seems to be the modus operandi for many insurers these days.

My car insurance was about the same as Safeco, but the real savings with Progressive came with the homeowner's insurance and the umbrella (aka "excess liability") policies. As part of the discount, I will be doing their Snapshot program where you download an app on your phone that allows them to monitor your driving. So for 3 months, starting at the end of next month, when the policy becomes effective, l'll be following the speed limit, and braking and accelerating very gradually. And I will retake the AAA safe driving course.

On a bit of a whim (!) I decided to apply for a new passport, and was at the PO a few days ago to do so. I say "whim," because I have no specific plans to travel abroad, but I figured if I do travel, it will most likely be in the next 10 years. Also, a passport could serve as an important form of ID if, by 2023, you don't have one of those special driver's licenses with the star in the upper right corner, and I had just gone and renewed my driver's license recently without "bothering" with the extra paperwork involved in getting that star before realizing I really should have. If you don't have it by 2023, you'll need to show your passport even to fly domestically. All thanks to 9/11. All these new requirements just weren't on my radar, for some reason.

The only thing that made me nervous is they require you to hand over your original birth cetificate, which is mailed with your application and then returned in a few weeks. Makes me very nervous. The total cost was $160.

I was sad to surrender my old passport from 30 years ago, when I received a cool visa from Hungary and other European destinations.

Got together with a friend at one of the newer breweries in town. They rehabbeden th old buildings that made up the campus of a former state mental health facility. I love what they've done!

Recent lunch at a Polish restaurant with dad: stuffed cabbage and an enormous potato pancake..

At another restaurant recently, they etched the shape of a horse (their emblem and namesake) into the dusting of cocoa powder in my dessert!

Please join me in congratulating one of our own resident experts here. Dido at Fiscal Fitness here has passed the Certified Financial Planner exam today!

You've studied long and hard...you earned it, girl!

Disclaimer: This has absolutely nothing to do with saving money. It has more to do with my social life, which has gone from zero to 70 in a very short amount of time.

Who would have thought that on the cusp of true "seniorhood," Wild Blue Yonder would be dating. Yes, I have dipped my toe in the online dating waters after a very long hiatus. I gave up on dating a long time ago, and then when my mother became sick, I dropped everything to take care of her as best I could. After that, I started looking after my father, and that, too, takes up a fair amount of my time, but it is something I feel very strongly about doing.

Bachelor #1 is retired but keeps busy playing landlord/handyman for several rental buildings he owns. He's a little older than I would like, which would be 9 years older than me. Maybe it doesn't matter much in your 30s, but it could at my age. He is very trim and looks good for his age. He has been active politically in the city where he lives, ran and lost in a state senate race because he's a moderate Republican/libertarian in a solidly Democratic city. He showed me a letter he just wrote resigining from some Republican committee he served on because he dislikes the lockstep way the party is remaining loyal to Trump and promoting the election fraud thing.

I also don't like that he lives about 50 minutes away from me. I find myself wanting to stick closer to home these days, and traveling to be with someone takes a lot of time out of your day. Of course, I'm not traveling to work anymore, so this should not be a big deal.

His personal life is a little complicated. His ex-wife died a few years ago (long after they had divorced) and made him promise to take care of her 2 daughters (not his), who are now teens.  He had told me earlier that he wanted to take things slow, but he asked me if we could get together again this Sunday. (I have other plans.) He is hoping I invite him over to my place for dinner. I told him I am vegan and he won't like my cooking. He said he is fine with mac 'n cheese.

Bachelor #2 is closer to my own age and an architect who does commercial work. He's about a 30-minute drive away, and shares some interests with me including nature/outdoors/wildlife/kayaking/gardening and he's a liberal, like me. He's been married twice.

I had stronger feelings for Bachelor #2 from the start and after having met both of them for the first time last week, for coffee, I was planning on parting ways with Bachelor #1, but we met for lunch today and I'm beginning to feel more interested in him. He seems very agreeable and easy to get along with.

I see Bachelor #2 for dinner Saturday night here in town, and he's coming to my place to pick me up.

I really dislike dating 2 people at the same time. I can't remember what I tell each of them and probably end up repeating myself, plus I feel it's somewhat deceptive, although I know people do this. I think my problem in the past was that I tended to rule men out too quickly without really giving them a chance beyond one or two dates, so I'm trying to give it more time.

I know I'm not here as often as I used to be, but it is very nice to have a familiar place to return at those rare moments I have "spare time." Today, I have spare time because it's one of those dreary, rainy, overcast days.

But even today there's a silver lining: the dreariness and lack of sun outside really makes my cherry tree blossoms pop. Their bloom is spent very quickly, but right now, they look lovely. Although the three cherry trees I planted I later cut down years ago (yes, I chopped down a cherry tree, like GW), they are easily planted by birds eating the small cherries, so I noticed this year I have at least 5 small and mid-sized cherry trees abloom in the woods.

I see my gladiolus are alreay coming up, 3rd or 4th year in a row...and they're supposed to be an annual bulb! I have a very large new bed I'm creating within view of my patio where I pulled, cut and dug out a large stand of sparsley blooming forsythia that looks a mess the rest of the year and is constantly attempting to gain new territory.

This, after I had been telling myself I would try to simplify my yardwork as much as possible in coming years. But the desire to plant and attract bees and butterflies is just too great.

Some of the space is close to or under the canopy of a giant Norway spruce, while the other space is more sunny. So far, I have purchased:

1. A river birch, a beautiful tree I have wanted for years. And it cost me just $10, through a high school fundraiser. It's likely to be very small. I pick it up later this month.

2. A bluebeard perennial, purchased through the conservation district; I pick it up later this month as well.

I'm fairly confident I can obtain other perennials for free through my Buy Nothing and gardening facebook groups through the spring. If not,  I can also divide some existing plants, though it would be nice to increase the diversity of what I already have here. They just need to be deer-resistant. I'm sure I will also be tempted to browse the offerings at local nursery, although that would be the pricey route.

There should be a break in the rain in about an hour, which is when I'll go out and throw a tarp over my peas in the raised beds, several inches tall already, along with a bunch of potted annuals/bulbs I'll put in the garage. Temps are supposed to remain above freezing, but just by a few degrees, and I'd rather not take a chance.

I went up to see my neighbor's garden yesterday. He has about a dozen half-finished projects and seems to lose interest in each before they're done! However, he does have a very nice small pond with waterfall and large bullfrogs and fish in it, along with a pen attached to huge barn for his sheep and cow and lots of quirky vintage garden ornaments he collects here or there. When we both have our 2nd shots, I will join him on a few trips.

He had planted a large orchard of fruit trees, but his cow got loose one night and ate every single one. He does have quite a few raised beds, many of which are planted with elderberry, from which he makes a great wine using the flowers, not the berries.

He also built himself a great greenhouse and pavillion-type structure with a floor made of round stones in the form of a dragonfly. He's built patios and small gardens with raised beds for several of his tenants who will likely never leave because they are more friends than landlord/tenant. He and his wife nursed one of his tenants, a single woman with no close family around, back to health when she got covid.

I finally got around to seeing an endocrinologist for my osteopenia. She said I was doing everything right in terms of diet/exercise and so it was really a simple consultation/assurance there's nothing else I could be doing. Of course, it doesn't help that my knee injury/menescus tear still hasn't healed after over a year.

I had the excuse of the pandemic for not really doing anything about it after seeing an orthopedic surgeon who wanted to operate. The physical therapy I had for 6 weeks over the summer helped, but just to a point. There was a point when I thought it was mostly healed, so I decided to resume some more knee-strenuous exercises for bone health that I'd been holding off on, like jumping jacks. Big mistake. Knee not ready for that, and honestly, it's not much better today than 8 months ago.

I still don't want surgery. Not to mention, don't even know how I'd get to and back from the hospital, or how I'd manage on crutches for several weeks here, live on the first floor, get to follow-up appointents if I couldn't drive myself and so on. It all just seems like too much. I would like to see another doctor about it (not a surgeon) to get more guidance on what to do or if it's even realistic to believe it could still heal on its own. But it seems like every orthopedic doctor around here is a surgon. That's what I'd read when doing reseach: that the vast majority of menescus tears can heal on their own. And I have reason to believe my 2 tears were not so severe, because my knee, for instance, is not "locking" in place.

I worked a full week last week to cover for the person who shares my job. I won't be paid any extra for doing so. Why am I okay with this?

It was part of the agreement I made with my manager at the start of the pandemic, after I began working from home. The deal was that I'd be paid a fixed weekly amount regardless of how many hours I worked. Billable hours don't include the time I wait for work and am essentially on call roughly 8 hours a day, 3 days a week.

The fixed weekly paycheck is roughly based on an 18-hour work week but I have never worked an 18-hour week since working from home.  I just checked my weekly average hours for 2021 to date and it's just 9.67 hours, so if you don't factor in time spent waiting for work (I do plenty of other things during this time), my hourly rate of pay is actually more than 50% higher than what it is on paper. 

Put another way, my typical work week includes 10 hours of work and another 14 hours sitting around waiting for work.  It's not that my employer is inefficient or disorganized; it's just the nature of my work and how the agency works that makes the work flow a little bumpy and uneven.

This is a contract job, so no benefits. Just a pretty sweet paycheck for which I am very grateful.

I'm looking forward to getting my 2nd vaccine shot a week from today. I am really looking forward to spending more time with friends I've been keeping at a distance, and, silly as it sounds, shopping at some of my favorite stores again in person. I've enriched Stop & Shop long enough. Aldi's and Trader Joe's, I miss you.

I already hit the $1,000 spending requirement in month 2 of my new US Bank Signature card, which will mean I'll get an easy $200. I'd prefer the cash, but would take it in gift cards if I have to.

I'm eager to get going on various home improvements this spring, as soon as I'm 2 weeks post-vaccines. My electrician is ready to come swap out my DR chandeleir, installing a "new" one I got from Buy Nothing and putting the small one that's there now in my office, in place of the ceiling fan, which is still something I use, but with the central air, it's less necessary, and I have other fans to use if needed.

I hope I won't regret doing that, but I still really like the current chandeleir and thought it would look cool in my office. I have fairly low ceilings, so he just needs to hang it so it's pretty flush with the ceiling so no one knocks their head into it.

So here's the exsting chandeleir. It's a bit small for a dining room.

And here is the new chandeleir:

The funny thing about this one is that it looks like it should have a 6th shade, but does not, so to me it looks a little assymetrical, which I guess is intentional.

This was actuallly the second chandeleir I was gifted from Buy Nothing. After getting the first one, I was afraid it was so huge it would overpower my small dining room, so I thought the second one would work better and I regifted the first one. I did, however, keep the cute little tassels that came from the first chandeleir to use with the second one.

The less interesting part of the electrician's visit would be to update some wiring by the circuit breakers, whch would protect all the wiring in my house if it were ever hit by lightening. This is something he advised I do probably 4 years ago.

My mason will also hopefully be stopping by this week. I want him to redo the concrete wall on the exterior of the north side of my house and also replace a small basement window on the south side. This is an old house and a lot of the basement concrete is crumbling. They redid one wall inside basement last year and did a GREAT job.

There are 3 or 4 other jobs I want to do but likely won't do all this year. All were on my lists in previous years:

1. Get a pergola so I can actually enjoy my patio more in heat of the summer. My nervousness and uncertainty about getting something installed that won't blow away in a hurricane is what has caused me to delay.

2. Replace hot water heater. It works fine, but it's at that age that's considered "average" life span.

3. Replace collapsing, rotting stockade fence that keeps me from having to see neighbors' renters zooming up and down his driveway, which goes past my back yard. I'm afraid this is going to be super expensive as it's a length of probably 100 or more feet. I'd probably stick with what I think is cedar fencing, as it lasted about 15 years, I think.

4. Replace upstairs bath vanity. It's totally needed. I have double sinks now and only want one sink in replacement vanity so I have extra counter space for all my plants. Eventually, I want to replace the current tub with a walk-in shower.

I didn't intentionally set out to make organizing my living space such a priority for the month of January, but that's what I've been doing, and let me tell you, just the little bit I've done feels great...and greatly productive!

It began with my Hoover carpet steam cleaner. The last time I used it was over at my mother's condo. I did all her carpeting until toward the end, it seemed to not be working. I finished up, dragged it home, and stuck it in my hall closet, where it sat for OVER 5 YEARS.

I'd been wondering if it still wouldn't work if I used it, and if it didn't, I was going to gift it to someone on my Buy Nothing group, to someone willing to tinker with it. I only remember using it a handful of times.

But just the thought of having to read thte tiny mouse print instructions was a huge turnoff, but I would have to as i didn't remember exactly how to use it. I put this project on my To Do list but for weeks this particular item wasn't touched. 

Inexplicably, last week, I just pulled it out and went at it. I cleaned out a filter and soon I was steam cleaning all my area rugs! Seems to work fine! The reason I thought it wasn't working is because I had noticed that while i put quite a bit of water down into the rugs, relatively little (dirty) water was sucked back up. I think that's normal now. Anyway, huge sense of accomplishment after having done that, and I'd love to get into the routine of cleaning my carpets once every 3 months. How often do you do yours?

Next, I turned to organizing in my office, which doubles as my workout room. It always seemed like such a mess in here with my yoga mat, hand weights and a huge exercise ball. always in the way. I decided I no longer need the exercise ball for my knee, so I brought that to the attic, and I reorganized my computer desk space so that i could more neatly group all my hand weights (3 sets) in another space that is, importantly, not on the floor. Not good for my back to always have to pick them up off the floor. Now I don't have to. I tidied up my computer desk and a credenza-type set of shelves, and things seem so much more orderly and attractively arranged now. I'm really taking pains to keep it that way.

I recently ordered another bamboo set of shelves, which arrived today, so I spent some time this afternoon putting it together. It was relatively easy to do, a relief. The shelves fit perfectly in my downstairs hall closet, which is off my kitchen and a somewhat under-utilized space. So now when I buy things in bulk, which often happens, the overflow can go ont these shelves and I can find things more easily in my kitchen pantry.  It feels go good to be organized!

There is still more to do, and progress will continue!

I recently bought a set of flameless candles, and I absolutely love them! They are battery-operated, and since you can set them on flicker mode with a small remote, you can instantly create "ambience" and a peaceful, hygge-inducing sense of well-being. I have them everywhere. I used one in the interesting art glass vase from Buy Nothing (2nd photo down), along with some pinecones.

I also recenlty acquired this set of 4 brocade slipper chairs for my dining room table, replacing the hard wood chairs I've made do with for 25 years.

My father has complained about how uncomfortable the wood chairs were, so I can't wait to have him over again with the new set. The legs are fairly scratched up, but I plan to try those markers you can use to make scratches blend into the wood stain. Tomorrow, I'll be picking up a large round, ornate medallion-type mold, the kind that surrounds a chandelier on the ceiling. I thought it could be the finishing touch over my dining room set. 

In return, I've given away a duplicate set of hand weights I had (hot item), a wall clock I realized I didn't need, a set of 9 wood cooking spoons/spatulas I never use and those 4 old wood chairs were snapped up by a young family who needed something sturdy and easy to clean. They should be picked up tomorrow.

I had an early dinner tonight and have started my weekly 24-hour fast.

Most of the Christmas decorations (which no one but myself was able to enjoy) have been put away. A few more things I hope to do tomorrow.

I made my $7,000 traditional IRA contribution for 2020, and hope to do a much smaller SEP-IRA contribution tomorrow; had to wait for T. Rowe Price to set up ACH transfers for a different bank I'm now using.

I'm getting back into the routine of nearly daily walks weather permitting. It was 8 long months for my knee to heal, but now I can walk longer distances without pain, so it was all worth it. I'm thrilled, to say the least. and I'm continuing my strength/balance exercises at home 3x a week.

I feel that all this time at home has helped me establish new routines and a structured week that regularly includes work, home workouts and walking. I cook all my meals from scratch, no processed foods.

My neighbor's ewe had triplets, and this one was born with a broken leg. He was able to splint it himself, and now the lamb lives in the Big House with them and his tenant is bottle feeding it. Lamb's name is Tripod! How appropriate. Unable to load pic right now.

It's that time of year when Patient Saver tallies up all the spending she's done throughout the year to see where she stands.

Here, then, are my ranked expenses with commentary:

Property taxes, $6,792. No surprise here. My property taxes have always been my #1 expense. This won't change til I turn 65 and can take advantage of discounted senior property taxes which will make a big difference.

Garage stone veneer, $5,900. This was the most expensive home improvement I did this year, but even though it was strictly cosmetic, I have no regrets. I love the look of the stone, and the stone veneer and  paver driveway now have the look of a side courtyard. 

Food, $4,754. This represent a small, 4.5% decrease from 2019, so it's a small victory in a multi-year battle to contain my food expenses.

Health Insurance, $3,524. This was actually 18% less than what I spent in 2019, when my monthly premiums were higher.

New Water Tank, $1,276: My old water tank, which strictly services my 2 outdoor water faucets, began to leak unexpectedly late this year, so I had no choice but to replace it.

Cat, $1,171. I felt like I was bringing Luther to the vet a lot, for various reasons, but his problems were nothing too serious, which kept the bills down. This was actually 18% less than 2019.

Stairway Railing, $1,100. Pretty pricey. I wanted to get the railing years ago, so I'm glad I got it.

Heating Oil/Cleanings, $1,087. So while my top 5 expenses, not including the one-time home improvements, were all down compared to 2019, this expense was higher than in 2019, by 25%! It's somewhat surprising since oil prices on a per-gallon basis are way down, due to the pandemic, but since I've been working from home most of the year, I keep the heat at 67 all day long.

Electricity, $970. This is about what I spent last year. I go to some effort to shop around for electricity whenever I can achieve some savings, but evidently it doesn't really make much difference.

Lawn & Garden, $970. This cost was down by 23%, which surprised me since I wound up having to pay someone to mow my lawn for most of the season after injuring my knee. I do plan to do my own mowing in 2020 to save money and get good exercise. (I have more time than ever to do this as I don't expect to be returning to the office, even when the pandemic is over. I think the co-owners of the company have discovered they really CAN rely on their loyal staff to get the job doneeven working remotely, and so they're doing fabulously since they're not paying for office lease, phone/Internet, electrictity, etc.)

New Computer, $912. I bought an "all-in-one" computer that doesn't have the tower or a lot of wires. I like it.

Out of Pocket Medical/Dental, $910. This is a 35%  increase over last year. I didn't get all my usual checkups due to COVID, but I did have some unexpected issues with my menescus tear, floaters in my eye that had to be repeatedly checked, along with a physical, lab work for that, eyeglasses purchased very cheaply at Zenni's, and a DEXA scan which told me I have osteopenia. (The reason why I plan to mow next year.)

Car Upkeep, $824. This is down 16% from last year, a pleasant surprise for a 7-year-old car, but I still have well under 100,000 miles on it.

Raised beds, $747. My neighbor built them for me at no cost as part of a barter deal, but I did have to pay for materials, and I opted for the more expensive cedar wood, plus the fencing. I got plenty of great produce from the garden, inlcuding my last butternut squash which I just cooked up a few days ago, oodles of tomatoes, eggplant, kale, etc.

Homeowners Insurance, $691. It didn't rise too much from last year.

Entertainment, $652, a bit more than last year. The bulk of this is due to several subscriptions, including Ancestry.com, Newspapers.com, cronometer.com, a bus trip to Hudson Yards in NYC that was cancelled due to COVID and rescheduled, along with some free weights since I couldn't go to the gym and of course my monthly Hulu.

Car Insurance: $619, no big changes there.

My remaining expenses don't add up to a whole lot. Of note, I spent just $487 on gas for the car, a 45% drop from 2019 since I'm not commuting. This past month, I really felt I was getting a little out of control on clothing spending, but it turns out I spent about the same as in 2019, at just $376. I bought a lot of comfy fleece pullovers.

In total, my expenses came to $41,276, which is in keeping with the past 5 or 6 years at least. I never feel deprived, and I never try to "budget," other than to have a general idea of how much I should be spending on stuff. I'm pleased that my top 5 expenses all either stayed the same as last year or dropped. And I eked out a small decrease in my food spending.

And, just like last year, aside from home improvements, my Top 3 Expenses were: Property taxes, Food and Health Insurance, in that order.

On the subject of Home Improvements and looking ahead to 2021, I would love to replace the decrepit cabinet in my upstairs bathroom.  And replace my small refrigerator which periodically malfunctions with something bigger, which would require some carpentry work. Don't know if that will happen due to COVID manufacturing slowdowns, but these are the only 2 home improvements I'm really keen on at the moment. 

I wish all my friends at Savings Advice and safe and healthy New Year. Tonight will be a quiet New Year's. I enjoyed a glass of Reisling just now, and next plan to rewatch the trilogy of Lord of the Rings, which I discovered is on Hulu. I don't think i ever saw the 3rd movie, so will be a treat.

After many years of not putting up a full size-tree (partly due to it being just me, plus my cat may get overly curious), I decided to spring for a 5-foot artificial tree. I joined a Facebook group made up of people who collect vintage Christmas ornaments/decor a few weeks ago, and it's easy to get seduced by all the glam this time of year. 

But I didn't want a plastic tree, and that's 90% of what's available if you're looking for artificial. I settled on a wrought iron tree that, since it's devoid of actual green branches, really shows off the ornaments themselves. I have a fair number of old ones collected over the  years from my grandparents and other family, and I also have some precious handmade ones from my sister, mother and grandmother. They sat in boxes in my attic for years when I chose to make do with small, tabletop trees.

I've been living like a monk since late March, just so that when I get together with my dad, once a week, that I can rest easy knowing I'm not exposing him to any virus germs. I was going to only BJs, once every 2 weeks, for months, solely becuse they had early senior hours and very wide aisles, but more recently, I've discovered how wonderful it can be to avail myself of Stop & Shop's curbside pickup. I can't understand why they're willing to charge so little ($2.95) for this service; one of their workers still has to spend at least 20 minutes running around collecting all your groceries (which you order online) and then bring it out to you in your car. I absolutely love it and think it's worth every penny, and it means zero exposure for me, which is something I tend to get anxious about.

Still, when the pandemic has subsided, I doubt I will stick with Stop & Shop, since they are noticeably more expensive than Aldi's, BJs and Trader Joe's. But I could see where their service, if they continue it, could really be a godsend if I should ever have surgery, or even if i had a bad cold and didn't feel like walking through a supermarket. So far, they've been 100% accurate in filling my orders.

I'm still working at home, and word is that in my small company, the husband/wife owners have already sold their home and moved to an island where they regularly vacation. She is a very recent cancer survivor, and I think the pandemic may have pushed them to possibly fast-forward that part of their retirement plan. 

So what this means for me is that I could be working remotely until my own retirement in 4 years. This would be wonderful. How I longed for this during much of my career! No more 40-minute drives, nice as they were (but not at night), and no more putting up with the total lack of acknowledgement that I can do a better job editing with some peace and quiet.

Plus, I have worked out a pretty sweet deal with my pay structure so now I earn a fixed weekly amount and have much better stability of income that I can plan around.  Most weeks I earn the equivalent of about $65/hr although my official rate of pay is half that. Of course, I am tied to my home as I'm essentially on call, but there's much I can do of a personal nature while I'm waiting for the next assignment.  These days I'm working about 10-14 hours a week but am "on the clock" for 3 full work days.

Yesterday I made my $7K traditional IRA contribution for 2020, and am still thinking about making a SEP-IRA contribution since with the change in my pay structure, I'm now self-employed. I may skip doing any backdoor Roth IRA conversons since that will increase my gross income and right now I'm happy to be smack dab in the 12% federal tax bracket as I just work part-time.

Christmas, like Thanksgiving, will be super quiet. I would like to plan a nice meal with a bottle of wine for just 3: me, myself and I. I will call a handful of friends and family, and hand-deliver some gifts for a local friend who lives nearby. Trying hard not to get depressed. If the weather's decent, I'll go for a walk.

Today the Northeast is gearing up for a pretty major snowstorm; we're expecting around a foot. I am somewhat better prepared for an extended outage, although that is not being forecast as the snow is expected to be light, not heavy. I have several phone power banks now and also sprung for a jackery 500 lithium battery bank with a bunch of plugs on it. Although it won't power a full-size fridge or microwave, it would let me stay in touch with the outside world during an outage with TV and charged phones, plus a few lights. Scattered around the house I also have 5 light bulbs with built-in batteries; they'll work for about 4 hours with no power, so you could conserve all but 1 til it runs out, then move on  to the next, so you have something more than flashlight at  night. I love little gadgets like that.

I did also recently purchase a "smart" scal to replace my rusting old one. The new scale syncs with its app on your smart phone and records your daily weight, BMI, bone density and more, then tracks it over time. Apparently, my old scale was off by 2 lbs.

I've been away for a while and see there's been some issues with posts...hope that has been resolved! I really like the much wider field when you're typing your post here.

I'm having a rare moment and feeling bored. Heavy rain changed my plans yesterday (the one time each week I interact with a live human being) and today it's snowing! Enjoying a cup of tea just now.

I was able to check a certain website online and see that my early absentee vote was indeed processed. Gave me some peace of mind, given the state of things.

Luther made a 2nd trip to the vet in just the past month due to the constant scratching of his ears and an unusual discharge from his eyes; he got his meds and is doing much better now, but twice-a-day drops in both ears and eyes is a bit much for him. 

Not a whole lot to report....my days all meld into each others. I work Monday, Tuesday and Wednesday from home, and I purposefully socially isolate all week long so I can have peace of mind when visiting with my dad every week. He's homebound, so he can't give the virus to me unless he got it from my sister (low risk) or my brother in NJ, who periodically visits. This I worry about a bit more as he lives with his family of 3 others, including 2 kids who go to school and I'm not sure how careful he really is.

Besides seeing dad, my only routine outings are to get gas and groceries every 2 weeks. Sometimes I venture out to work in the yard, walk or do pickups from my Buy Nothing Facebook group. Oh, and now I have to deposit my paycheck every week myself. No direct deposit for independent contractors. But that's done at the drive-up window.

Up til now, Dad and I were able to continue our weekly lunches eating outdoors, but now that it's cool, we're gonna have to rely on takeout more. Dad wants to dine indoors, but I won't do that. He usually would take the mask off as soon as we were seated while I would put the mask back on whenever the waitress approached us.

I recently paid one of my biggest bills of the year: $1300 for homeowners and car insurance combined. In December, I'll have the last big bill of the year, my biannual property taxes, at about $3300.

I feel very fortunate that the pandemic has not yet affected me on a financial level: the stock market has recovered, it seems, my retirement profile looks pretty good (that just really means no losses since pre-pandemic times, but no gains, either) ok and I managed to stabilize my income/paychecks after talking to employer. Work seems so easy now that I'm working from home. I anticipate continuing work from home at least til June 2021 and maybe into the 3rd quarter. Yay.

I'm closing in on having reviewed my 1,000th loan for Kiva as a volunteer editor. It's hard to believe I've already been doing this for over a year now.  I think it's a wonderful program.

To ease my social isolation, I recently began having long phone conversations with an old friend of mine I haven't seen in over 30 years, someone I once rented a room from when she was a divorcee on Cape Code and I was a broke 20-something trying to make ends meet on a news stringer's income. She is delighted...it was actually her idea after she reread some old letters I'd sent her years back. She said I was the most loyal of friends. I enjoy reconnecting with someone from way back. I find this kind of friendship more meaningful as the friendship "ages."

I also reached out to another old friend, a man whose interest in romance I didn't return, but who was a super nice guy nonetheless. I met him maybe 20 years ago when he founded a biking group and invited me to join. (The guys in the group joked that he mostly invited pretty women. It was a lot of fun. There was a core group of us, maybe 10 people, with extra stragglers now and then, and we rode all over the state.

My injured knee is still a work in progress. I believe it's headed in the right direction, but recovery has been very, very slow. Still, I will consider it a success if it heals without surgery. The slow recovery is due to the anatomy of the knee: it lacks blood flow to the area. I've recently begun taking a few walks and have been doing daily knee exercises I learned in physical therapy since physical therapy ended in June/July. Since my injury, I've come upon a lot of people who tore their meniscus and had subsequent surgery. Most people aren't as patient as me, nor as risk-averse as I am. I didn't name myself Patient Saver (old blog) for nothing!