Meeting the metric and other full moon ruminations

Today started with a groggy Angel that for the second day in a row got less than six hours sleep. I headed off to my amazing chiropractor, Nicole Jensen, to report that despite the grueling work week somehow I was not in pain.

And she indeed found that my body was moving well and that my main issue was stiffness in my mid-to-upper spine consistent with all the snow shoveling needed in the last few weeks. She also asked about my neck as I store all my stress in my neck and shoulders.

After getting a great adjustment and convincing a staff member there that her mother did not want a large bird that talks, I came home and unsuccessfully tried to nap. One of my favorite Sarah’s convinced me to get another Dunkin Cold Foam Cold Brew which I review in this YouTube video: Vanilla Cold Brew with Cold Foam

I texted her to thank her for the advice as it was dead on. And somehow I QCed 105– yes one hundred and five— fixes which is more than the required metric of 104. I finally did it. A mere three-plus hours before the full moon.

It was a successful night at the Stitch Fix Bizzy Hizzy.

Teenager #1 waited up as a bonding exercise before the full moon. Today in addition to chores and school work, she replaced the screen in her bedroom window and embroidered her face masks for work.

Here are some other contemplations and updates at 2:15 a.m.:

  • I am itching to write fiction again. My friend Gayle has agreed to be my book designer should I decide to publish my books. Gayle and I once had the dream of our own publishing imprint, Parisian Phoenix Publishing.
  • My mortgage refinance is scheduled to close next Saturday. The refi will save me $300 a month, pay off my car, and leave me with several thousand extra dollars. I am dropping from 3.25 to 2.85% interest and adding five years into my mortgage. But it will also drop my actual mortgage to be less than the current 50% of my net pay. My hope is that when things “look better,” I can pay down the principal.
  • So the extra money— do I:
  1. Buy myself a computer and put the rest in savings. It’s been about 3 years since I had a computer and I’m an Apple girl so it’s an investment. Adding the rest to savings would give me about 5-6 months income in the bank as an emergency fund.
  2. Put it all in savings to see what happens in the economy next.
  3. Use it to buy the computer and pay teenager #1’s car insurance should she pass her exam March 9. The bill will be $1500 for 6 months. Mine is $488.
  4. Use it and other savings I have to pay down $5,000 on the new loan’s principal.
  5. Plan a vacation— not going to happen.

And here is today’s kitten picture:

CVS magic

I am not an “extreme couponer” and I hate the whole concept of “extreme couponing.” Life experience has taught me to be frugal, but *living* life has taught me that reading 5 newspapers to get a few extra bottles of Tide raises the question of how much is my time and my happiness worth?

When stores first starting using loyalty cards, I hated the concept. I still hate cards. But customer loyalty apps are different. I already have my phone. These apps also allow me to shop and plan my shopping trips. Target Circle, like many others, combines their coupons, payment options (even when in the store), circulars, and stock all in one place. I can scan items to see if there’s a deal while in the store and, of course, they customize offers to cater to my shopping habits.

The Lidl app allows me to make a shopping list (as does Target but I like Lidl’s list organization system better) and rewards me based on how much money I spend. Last month I earned a 30% off sliced cheese coupon! So I bought extra cheese. We might be living on toasted cheese sandwiches with my upcoming job loss.

I sign up for the emails and while a lot of them get annoying, some of them alert me to major deals on my household staples.

And that is what happened with CVS. They sent me a coupon for the gallon bottle of Arizona iced tea for $1.66 cents. The teenager has a weakness for Arizona iced tea so I let her buy some as an occasional treat.

I texted her the offer, and asked her if she wanted to walk to CVS to redeem it. She declined.

CVS sent a 40% off one item coupon. I loaded it to my card because you never know when you’ll end up in CVS for a health emergency.

The teenager also loves Cinnamon Toast Crunch and had a craving for Honey Nut Cheerios. Now I view cereal as an occasional emergency snack, not as breakfast. But the teen is a convert to the cereal-to-start-the-day camp.

Now I know CVS regularly has regular cereal sales.

Yesterday they sent me a coupon. “One day only! General Mills Cereal! $1.99!”

And the photo featured Cinnamon Toast Crunch and Honey Nut Cheerios.

I texted the teenager.

She came downstairs. When I told her that I would buy both cereals, she volunteered to walk to CVS. I handed her my debit card. She refused it. “Mom, it’s $4.”

I asked her if there was anything else she needed. She said no, but she might buy iced tea. I thought, “drats. We missed that iced tea offer.” I told her she could use the 40% off coupon if the iced tea was full price.

She came home with the gallon of iced tea, the two boxes of cereal, and a bag of Doritos. I asked her how much she spent.

“$7,” she said, “but that doesn’t make sense. This is $14 worth of stuff. At least.”

Apparently I also had a snacks/drink coupon I forgot about that also saved us 85 cents.

So we talked about it, and I asked her if she was starting to get my system. She said no. Not at all.

As far as she understood, she merely said she wanted to go to CVS, I looked at the app and put coupons on, she randomly grabbed what she wanted, and told the clerk at the register to use all the coupons.

Magic.

Holiday Upheaval

The events of the last few months have rendered my life unrecognizable, even to me.I have a suspicion that 2016 may come together in ways I never imagined or be the year that leaves me bankrupt, homeless and destitute in more ways than one.

So far I’m leaning toward and working for the former, but the worrier in me can’t help but fear the latter.

Between my broken ankle and the medical bills I incurred (who knew physical therapy was THAT expensive?) and the fact that I paid for graduate school, car repairs and a euphonium on my American Express, I was forced to ponder refinancing the house. The appraiser comes Sunday, but, again, I’m nervous because the appraisers are never generous in my experience. Last time I did this, they wanted to loan me exactly what I need now. So we’ll see. This new mortgage would shorten the length of our current loan, pay off the car and the American Express AND not add to the cost of our monthly payments.

With this and winter and travel looming, I have decided to defer enrollment at West Chester until next semester. I won’t have to commute in the snow. I can get my finances in order and proceed responsibly and not worry about classes interfering with my travel schedule.

Speaking of travel: January 7 I leave for France; I believe it’s January 8 I leave for Djibouti and January 12 I arrive in Mogadishu. Plus a trip to Lebanon may be in the works for spring.

I’m also working on some book reviews in some World War II era memoirs for Hippocampus.

Now the good news…

My poem “This Paris” has been accepted by StepAway magazine. I don’t consider myself a poet, so it’s a tad funny that I’ve placed a poem.

I believe I got an A in my grad school history class and my professor would like to see me continue some of my work, specifically on the Horn of Africa. That’s the topic, not that she wants me to go far, far away.