Friday, 22 June 2018

So, It Happened Just As I Thought That It Would.

I had resisted getting one of these for fear that this would happen . . .
  

You see, I have two propane tanks on the front of Wanda. 

When I first got Wanda, there was a device that switched from one tank to the other, but it was manual. 

That meant that I had to go out there and flip a switch for it to switch from drawing propane from one tank to the other. 

This allowed me the chance to fill up the now drained propane tank at my leisure. All I had to do was make sure that that tank was full before the other one was empty.

With this switching back and forth I was never out of propane. It was a simple system but it worked.

Back when I got Wanda fixed they replaced that manual switchover device with an automatic one. Apparently they don’t sell the manual ones anymore. 

I had hoped that I would see some sort of warning when this thing switches from one propane bottle to the other, nope, I didn’t. 

This morning, I awoke, went through my routine, and found that I was totally out of propane . . . in both tanks. 

I had feared that this would happen, but I will just go get my tanks filled up this afternoon and roll with it.

I still have my ten pound bottle of propane that I use for my BBQ, so if (and when) this happens in winter I can have a bit of propane to use. 

I didn’t bother this morning, I just left and ate breakfast out. 

There are propane measuring devices but the inline ones won’t work for me because the propane hoses were too short to allow the extra space needed for them to work.

There are some sonar type devices that work by attaching them to the bottom of the tank, and send a signal to your phone, but I don’t think I’ll go that far . . . yet.

Ah well, I will, as always, take this in stride and just keep moving forward.

As always: Keep your head up, your attitude positive, and keep moving forward!

Thursday, 21 June 2018

$150K by Freedom Day! : April 7, 2022

That is my target amount for savings and my target date to have it by. I rarely mention real numbers in this blog because I feel that numbers are irrelevant.

Specifically, my: income, expenses, and debts are different from other peoples, yet the struggles we face and the methods we use to solve them are the same. 

Yet I am putting this one out there as another of the large public targets like the one that I put out there when I started this blog. 

I have been doing some research the last few days on High Interest Savings Accounts, and other savings vehicles. 

The name is a misnomer and misleading as the rates they pay are a joke, historically speaking. But if I am going to save, I might as well get the highest rate that I can. 

More money could be made if I played the stock market, but I have never done anything like that and STOCKS ARE NOT SAVINGS, THEY ARE GAMBLING!

Bonds are more secure, but you have to have a large amount to give them up front and you can’t touch that money until the end of the term (as you are loaning someone else money for a specific period of time).

So, for me the best option is at least two HISA’S. One will be in my TFSA (Tax Free Savings Account) 

In a nutshell, a TFSA is like an RRSP that we all can setup, but this one you can take cash out of without the government freaking. 

The cash you make in there is tax free, so the beer money that I make (as in the I expect to make about enough to buy a case of beer) will be tax free.

I will have another HISA at this bank, and perhaps another one at a different institution, so as to split this savings up into thirds. 

As with all things this plan will be revised as I go, but I have a plan, to save up $150,000.00 in less than four years (by April 7, 2022). 

The plan is to work my last day, pick up my last paycheque then head (probably) east in search of the land to buy in order to found that town (the reason that I am doing all of this for). 

I will not setup a Gofundme page, as I seriously doubt anyone will want to give to help me do this, 

But, if you are interested, message me and you can send me cash via E-transfer. Or you can message me if this project seems like something you are interested in helping with. 

Anyways, this is me charting another large life goal direction and clomping on ahead with a: Dream, Vision, and Determination. 

As always: Keep your head up, your attitude positive, and keep moving forward!

Wednesday, 20 June 2018

So, I Looked On A Room-Rental Website

Yesterday, I was checking out my options and took a look on a website that advertises rooms for rent. 

I don’t need all that much space and the thought of having a fixed address with four walls and you know . . . running water and heat, is an attractive quality.

I found one not far from work that would not break the bank, so I was tempted to take it. Yet, I did not, and won’t for some time yet, if ever.

You see, my great savings push, or as I am calling it “The Grand Savings Plan” has just begun, or rather it will begin next payday (as in on the 7th) . . . 

Then again, it will actually start on the 22nd of July . . . as I have truck insurance to pay for on the 7th).

At any rate, my big push for put a lot into savings is only just beginning, and in so doing, I am way behind the eight ball and have a lot of ground to make up.

I may revisit the issue when winter approaches again, but then again, to rent a room feels like giving in or giving up, despite how manageable the cost of a room might be.

We shall see, for now, while I was tempted, I will not give in, as I have my future to save for!

As always: Keep your head up, your attitude positive, and keep moving forward!

Tuesday, 19 June 2018

Three or Four More Years

That is what I am looking at. I ran the numbers yesterday looking at some ways for a possible end game. Yet, not really an end game, more like a transition game.

You see, my plan is to buy some land (a quarter section minimum) and start a town. 

The plan is to start a homestead and a small farm and grow the community from there. After all, you have to be able to feed people, that is vital and basic.

Yet, in order to do that, you need cash for basic equipment and building materials to build that town, quarters, a mess hall, and a workshop at least, to get started. 

I have been debating if I should save up, buy the land then save up again (as that land sits while I still work here, nowhere near where said land would be).

The other plan is to save up enough to buy the land and be able to do something with it. Thereby, just driving off in search of said land to build that town, just go and do it.

No matter who I slice it, I am looking at 3 more years and even then that would put me in the summer (late July) of 2021.

That is a silly time to drive and start this journey, so most likely I would delay half a year and start off in April of 2022.

These thoughts were a double edged sword, for me. On one hand it is nice to see tangible, realistic projections for a dream of mine. 

Yet on the other hand it is also depressing to think of 4 more years of living in this RV only to drive, find land, park Wanda and . . . wait for it . . . continue to live in this RV as I start the homesteading process.

That is why I am now graciously accepting . . . (I can’t even finish that sentence). If someone likes the idea of this town and is good at fundraising, contact me, otherwise I will trudge on ahead, as I always do.

As always: Keep your head up, your attitude positive, and keep moving forward!

Monday, 18 June 2018

My Weekend At The Impromptu Economic Refugee Camp

That is what it felt like, yet the truth is much more benign, I’m sure. There were twelve units in that parking lot, including me and Wanda, twelve.

Where I was staying was still in my Western Home, but not in the parking lot of the Big Box Retailer that I usually stay in. They are currently not letting anyone stay more than a single night.

This means that everyone has migrated over to the much smaller parking lot of a now defunct Big Box Retailer, literally next door to the other one.

As far as how things went, it was fine as everyone did their own thing and kept to themselves. 

I will say that it was nicer not having traffic rushing right next to my window. 

I still did my weekly grocery shopping in the currently unwelcoming retailer, as they do have good prices and are still close.

Problems and the unseemly don’t go away, they just move or are moved along.

As always: keep your head up, your attitude positive, and keep moving forward!

Friday, 15 June 2018

One Toe Over The Line

I made it, just squeaked over the line and just under the wire, but I did it. I made my budgetary minimum yesterday, and I have a day to spare. 

Again, this does not change the world but I did make my target for my take home pay. 

This means that my actual take home pay will be yet larger than I had expected, and that is always a good thing. 

It is always more fun to figure out what to do with “extra money” in a budget than looking for where you can cut to make up a shortfall in a budget (trust me).

As I have said before, this upcoming paycheque will be used to pay off the last of my governmental extortion 

(AKA putting the cash back into “My” RRSP that I “Borrowed” from “Myself” in order to fund the last bit of my film schooling) . . . that worked out well.

Regardless, I will put the last amount that I need to put back now, so that all of the extra cash in my budgets can and will go towards saving for my future. 

As always: Keep your head up, your attitude positive, and keep moving forward!

Thursday, 14 June 2018

Falling Over The Line

Tomorrow is the end of this payperiod (sorta). As in it is the day that my pay period ends and I hand in my timesheet, yet I wait a week to get my paycheque.

I guestimate what my paycheque will be and I overestimate what the taxes and deductions will be, 

I do this so that when I get my paycheque it will be slightly larger than I had estimated. 

Trust me this is a far better sensation than the one you get when you have underestimated what the taxes and deductions will be.

This leaves you with a smaller than expected paycheque and you scrambling to redo your budget so as to make things work . . . not fun.

Speaking of budgeting, I have an amount that I target for myself to bring home each payday, I use this to base my budgets on. 

This number originated from when I needed to make that number or I would be at risk of not paying all of my bills. 

I keep that number, because I have earned back my paycheque, so I can do what I wish with it, not so I can live on less for the bosses. 

As I go through each workday I am always mindful of what my estimated take home pay will be, and if I am on track to making my “Budgetary Minimum” as it were (that magic number for my take home pay).

As the days come close, I am looking to see if I will actually cross over that line (and thereby have a surplus budget (woo hoo) or if I will “fall” over that line. 

What “falling over the line” means to me and my budgeting is, when the anticipated but not estimated difference between my expected paycheque and my actual paycheque actually shoves my paycheque over the line and I make my budgetary minimum anyways. 

This is one of those pay periods and while it is a bit of a game, it is one that I insist on playing because I deserve to reap the rewards of taking back my paycheque.

As always: Keep your head up, your attitude positive, and keep moving forward!