In Praise of Snowshoeing: Physical, Financial, and Mental Health

Snowshoeing out from our backyard with my daughter (who took the photo).

The personal finance bloggosphere is filled with comparisons between financial and physical fitness, and many FIRE bloggers are also marathon runners, tri-athletes, hikers… The “badass” way to go about physical fitness is to do it without paying a gym membership, but that presents challenges for some of us.

Obstacles to free physical work-outs in the winter

Snow covers my part of the world for a solid 4-5 months per year, and it limits free fitness options. Swimming? Not a chance! Cycling? It happens, but only with an element of danger and lots of odd gear. Running? On a mild winter day, packed snow on side-walks and paths, sure. But that’s not the way most winter days happen around here. Severe cold snaps, icy conditions, deep snow, and strong winds often make winter running very iffy.

“Well, what about skiing?” you might ask. Sure, but it’s not free! The costs of skis, poles, boots, and helmet – even second hand – add up, especially when combined with the expense of ski passes.

“Cross-country skiing is free,” you might say. “And outdoor skating is too.” True. But while you can step outside your front door to run or cycle in the summer, most of us can’t cross-country ski or skate with as much convenience. Usually there’s a significant drive involved. On a weekend, no problem. After a day of work? Not always appealing.

Snowshoeing: frugal and user-friendly

The answer to these obstacles? Snowshoeing!

“But it’s not free! You have to pay for the snowshoes.” True. The cost of snowshoes is on par with the cost of running shoes or a bathing suit, and it’s less than the cost of a bike. In other words, it’s in line with the expense of gearing up for “free” summer work-outs.

“There’s still a drive involved, and you said that’s ‘not always appealing.'” The expanse of nature necessary for a decent cross country ski is way bigger that the space needed for good snowshoeing. Chances are you can walk to a place that works for snowshoeing – a local park, for instance. And if you do need to drive, it will almost certainly be a short drive. You don’t need vast tracts of open land to snowshoe.

“What about the whole ‘severe cold snaps, icy conditions, deep snow, and strong winds’ thing?” You can snowshoe in all of the above as long as you bundle up (and use snowshoes with ice grips). The only condition that might limit your snowshoeing is a winter thaw that melts the snow – in which case you can put on your running shoes and go for a jog.

“But I’ve never done it before! It’s too hard.” No it’s not! Skating, skiing, snowboarding, and cross-country skiing all require unique skill sets. Snowshoeing doesn’t. If you can walk, you can snowshoe.

Snowshoeing and physical health

According to this article at Your Guide to Winter Adventure we can burn from 420-1,000 calories per hour during a snowshoe trek. It’s a sport that accommodates a wide range of athleticism. If you’re a newbie or not in great physical shape, it’s fine to snowshoe for a slow-paced 15 minutes. As you get stronger and more fit, go for longer periods of time, speed up, and include any slopes or hills around in your path.

In the article, Dr. Declan Connolly of the University of Vermont is quoted: “‘Snowshoeing is an effective, low impact, and safe form of exercise to change body composition. It burns up to twice the number of calories as walking at the same speed … Snowshoeing utilizes major muscle groups which, when combined with a higher metabolic rate in cold weather and the added resistance of moving through snow, results in a high-energy activity.'”

Snowshoeing and mental health

SAD (seasonal affective disorder) strikes many of us who live where winter happens. Symptoms include low energy, problems with sleeping, and a general sluggishness.  I remember talking with a colleague about my own siginificant case of SAD last winter. “You know what made a difference for me this winter?” he said. “Cross-country skiing. Just being outside made a difference.”

He’s not the kind of guy to give pat answers to problems, but I thought that he was over-simplifying things. Still, I took his advice to heart this winter – via regular snowshoeing – and it seems to be making a difference!

The Mayo Clinic, offering “lifestyle remedies” to SAD advises the same:

  • Get outside. Take a long walk, eat lunch at a nearby park, or simply sit on a bench and soak up the sun. Even on cold or cloudy days, outdoor light can help — especially if you spend some time outside within two hours of getting up in the morning.
  • Exercise regularly. Exercise and other types of physical activity help relieve stress and anxiety, both of which can increase SAD symptoms. Being more fit can make you feel better about yourself, too, which can lift your mood.

Snowshoeing: What’s not to love?

It’s cheap, easy, and convenient. It offers a great physical workout and an effective remedy to SAD through the winter months. You can do it on your own or with others. What’s not to love about snowshoeing?

Your comments are welcome.


When Young Adult Children Need Help: Rescue or Coach?

  • DD2 = Dear second daughter
  • DD3 = Dear third daughter
  • DH = Dear husband

The phone call

I woke up to the phone ringing. The bright digits of my old clock radio impressed the time upon me: 5:08 am. I got up swiftly, fully awake. Full of worry. “What’s happened?” I wondered. Our two youngest had bussed to Toronto for a Lana Del Rey concert, and my first guess was that they were in some kind of trouble.

“Mom?” It was DD2’s shaky, weepy voice. “I think I’ve got food poisoning.”

Not the worst of the possibilities that had flashed through my brain, but the floodgates of maternal compassion were set to open

“It started right when we got back from the concert,” she continued. “I had a stomach ache, and when I threw up I thought I’d feel better, but I didn’t. I just kept throwing up. I’ve been up all night. I tried to take a sip of water, but I threw it up right away… Just a sec. I have to puke.” I waited, cringed at the sound effects. “There’s nothing left,” she said when she returned to the phone. “But it doesn’t stop.”

Poor thing!!

The bus tickets

DD2 and DD3 were staying at their cousin’s apartment in Toronto, and there was no way they’d be able to use the bus tickets they’d bought for their return trip home later that day – a Tuesday. I texted DD3 and advised her to contact the bus station to see if it would be possible to get a refund or to exchange their Tuesday tickets for Wednesday tickets. “I’ve thrown up 5 times today,” she texted back. Two sick daughters!

I went to work and kept my cell phone close at hand. “If you need me, just call and I’ll take the day off and drive to get you,” I’d told them. Was it food poisoning? The flu? Maybe salmonella? It was so frustrating to have them five hours away!

They found out that they’d be able to get bus tickets for the next day at a 50% discount – $20 each. Not what we’d hoped for, but it wouldn’t break the bank. The concert and all other costs associated with it were on them, not us.

DH’s brick wall vs. my jellyfish

In her book Kids Are Worth It, Barbara Coloroso identifies three types of parents:

  1. The “brick wall” parent is domineering and inflexible.
  2. The “jellyfish” parent sets no boundaries and is infinitely flexible.
  3. The “backbone” parent asserts structure with a degree of flexibility.

Coloroso presents the backbone parent as the ideal. She advises brick wall parents to loosen up, and jellyfish parents to toughen up. Most parents are inclined one way or the other away from the ideal, but all of us can fine-tune our way to the structured flexibility of a backbone.

DH and I learned about Coloroso’s parenting continuum years ago, and since that time, he has been moving away from his brick wall as I have been moving away from my jellyfish. I don’t know if either of us has actually reached Coloroso’s backbone ideal, but we’re both closer to it than we were when we started out.

Bus terminal troubles

DD2 and DD3 stayed at my niece’s apartment for an extra day. My poor niece came down with the flu that Thursday – confirming that it was the flu all along. On Wednesday, our daughters weren’t yet well enough to eat, but they thought they could manage the bus ride home, and DD2 phoned Greyhound to confirm the time of departure and cost of the tickets.

“11:30. $40 each,” said one phone attendant. What about the 50% discount? “There is no discount,” she insisted.

DD2 phoned again. “11:30, and since you get a 50% discount, it will be $20 each,” said a different attendant.

When they got to the terminal, they explained their situation to one of the ticket-sellers. “You won’t be able to buy a ticket from us right now,” she said. “Our computers are down. Here’s a number to call to get your tickets.” DD2 phoned, explained her situation, was put on hold … Dial tone.

Back to the ticket-seller. “Try this number,” she said. DD2 phoned the new number and explained the situation yet again. “We can’t give you a discount” was the answer she got.

DH responds

Tired, hungry, and still sick, DD2 phoned home. DH runs his business out of our house, so he was the one to answer. He listened, commiserated … and coached her not to give up. “There must be someone there who can do something about this,” he said. “Find that person and explain your situation again. Emphasize the discount policy you were told about. And don’t be put off. Just stand there until you get your answer.”

DD2 soon phoned him back – gleefully. She had spoken with the attendant directing passengers for the bus they were hoping to take. She explained the sickness, the cancelled ticket, the mixed messages about a 50% discount, the downed computers, and the unresponsive phone service. The attendant considered, consulted, and came back to answer.

“There’s room on this bus. Go ahead. No charge.”

DH then phoned me to let me know all was well. Our sick daughters were on their way home, and soon I’d be able to lavish them with molly-coddling (which I did very frugally). DD2 had lost 15 pounds and DD3 developed a fever. Mollycoddling was definitely appropriate.

Good thing I didn’t get that call!

It’s a good thing DH received that tortured call from the bus terminal. I know what I would have done if I had answered: “Just phone that first number again and buy the tickets at full price. We’ll pay.” I’m sure it’s a response they would have welcomed.

But they got so much more out of DH’s response. It gave them the opportunity to …

  • … learn not to give up even after multiple tries.
  • … discover the power of negotiation.
  • … develop confidence in their ability to work towards a solution.

There are times to rescue young adult children, but more often, there are times to coach them. It’s not always clear which option is called for. DH coached in a situation that I believe would have led many parents to rescue. I think our daughters got the best deal from him.

What would you have done? Do you tend to be a brick wall or a jellyfish? Your comments are welcome.



Getting Away From “All-Or-Nothing” Compulsions

DH = Dear Husband

A history of maxing out financially

A month ago, I tried to explain one of my New Year’s resolutions for 2018: “A less S.M.A.R.T goal that I have is to fine-tune the self-discipline that I’ve been building over these last 5 years … I’d like to take another step away from the ‘all-or-nothing’ financial compulsion that I’ve always had.”

I definitely have a compulsion towards maxing out. Financially, it manifested itself in different ways over the years:

  • As a teenager, I’d spend all of my allowance before the month was up and beg and whine for an advance on my next month’s allowance.
  • In my twenties, I would go into credit card debt and overdraft on a regular basis, counting on my next pay to get me out of both holes.
  • In my thirties, I wanted it all: a big house; part-time as opposed to full-time work; multiple activities for our 3 children; cleaning service; gym membership; plenty of “treat-yourself-therapy” like going out to restaurants.

Then life stepped in – in the form of DH’s job loss,  followed by years of career uncertainty and financial stress – and forced a change. A slow, stubbornly reluctant change it was too – even though all circumstances combined to send the message loud and clear: “You need to change!!”

Maxing out in other areas

Most people are in too much debt, and for those of us who have come to recognize it and try to do something about it, there’s something else we eventually have to acknowledge: The poor choices we’ve made financially are not rooted in a lack of math skills; they’re rooted in character flaws.

One of the character flaws I’ve had to acknowledge in myself is linked to this maxing out tendency. It’s the flaw of living reactively instead of proactively. Again it has manifested itself in different ways:

  • “I’m SO tired! I’ll just do the dishes and make my lunch in the morning.” (= Time crunch for morning commute.)
  • “I don’t feel like going to the gym, so I just won’t exercise today.” (= The no-work-out blahs.)
  • “I got caught up in Netfilx. I won’t have time to clean the house today.” (= Burden of accumulating to-do list.)
  • “This is delicious! I’ll just eat one more… OK, another one… Now this one is the last one…” (= Feeling full & gaining weight.)

Fine-tuning self-discipline: morning commute

Just as it took a significant rock-bottom experience to get me to become proactive in managing our personal finances, the rock-bottom experience came into play for my morning commute. A couple of weeks before Christmas, a series of snow storms resulted in 3 consecutive commutes of 3 hours, 2 hours, and 1.5 hours each for my normally 40-minute drive to work.  It was truly life-suckingly awful!

Since that week, however, I have not had a single time crunch commute. I’ve been way more proactive about getting myself prepared for work with plenty of time to spare. I used to think in terms of “How late can I go and still get there on time?” Now, I have no desire to cut it close. I want to give room for unexpected traffic slow downs so that there is no need for white-knuckle commuting. And if I arrive at work earlier than I need to – as I usually do now – that’s not a problem at all.

Stepping away from “all-or-nothing” fitness

I have written multiple times about my poor performance with discretionary money management. It was to help my personal discretionary account that I decided to quit my gym membership at the end of last summer. Much to my surprise, that move resulted in more regular exercise for me.

When I had the gym membership, I would think in all-or-nothing terms. Either I would drive to the gym, take the cardio class, do weights, drive home, shower – or I would do nothing. Now, I’ll go for a 40 minute snow shoe or  a half hour run – or a walk. It’s OK not to do a full-on work-out (that takes over 2 hours when you add the drive time). Getting lower-key physical exercise on a regular basis is just fine.

Proactive house-cleaning

As I wrote two weeks ago, house-cleaning is so much easier to do when the task is shared. After years of doing it on my own with resentment and without ever getting on top of it – it is relatively pleasant now to do my share of it every weekend, knowing others are doing their part. It doesn’t take the will-power to do it that it used to.  It’s easy to find the self-discipline to keep on top of house-cleaning now that it isn’t so draining.

Self-disciplined eating? (Oh well…)

I hope to “fine-tune the self-discipline” of eating too, but I haven’t yet. I had a “This is delicious! I’ll just eat one more…” experience yesterday … AND the day before.

But I think it’s coming. True, proactive self-discipline – as opposed to compulsion on the highly controlled end of the spectrum – has the potential to be widely applied. It’s had a positive impact on my finances, commuting, fitness, and house-cleaning. I believe food is next : )

Do you find that as you develop self-discipline in one area, it spreads to another? Or do you find that self-discipline is specific – that is doesn’t transfer? Your comments are welcome.

*Image courtesy of flickr.

Reading Aloud: An Old-Fashioned, Frugal Pastime

  • DD2 = Dear 2nd Daughter
  • DD3 = Dear 3rd Daughter

My mom’s odd practice of reading aloud

My mother had the odd habit of reading aloud. On her own.

I was able, as a tiny child, to identify “Mommy’s book,” and I knew somehow that when Mommy was reading out loud, I was not to interrupt. My brother, in giving his eulogy for Mom at her funeral service 2 months ago, said, “In the lean years with young children, Mom proved she could handle anything — as long as she could read for an hour or two every afternoon. One of her quirks was that she read to herself aloud –and she would do this at full voice, with great expression, as if she were addressing a classroom of 30 students.”

I remember a friend coming over to my place mid-afternoon one day when Mom happened to be reading. We passed by her in silence, receiving the smile and the raised eyebrow of greeting that said, “I see you, and you are welcome, but I can’t say anything to you right now. I’m reading.” We walked into the kitchen to get a snack, and my friend finally broke the silence. “Ruth!” she whispered in agitation. “Your mom is reading out loud!” I had realized by this point that not all mothers did, but I wasn’t fully aware of how weird it was. My friend continued, “And she’s putting SO much expression into it!”

A life-long habit

Right up to her last days, Mom continued her expressive daily reading. My sister, who along with her husband had taken Mom to Italy only 2 months before her death, shared this story at Mom’s service:

“Mom would read aloud on the deck of our cruise ship cabin. She would send Mark and me off to the gym or out for a hike so she could have the space all to herself. Little did she know that an audience was gathering next door. We met our neighbours in the hall one day and they told me how they loved the way I was reading so expressively to my elderly mother. I resisted the urge to accept this ill-informed compliment and corrected them. It was all mom!

They had been inviting their friends to their room, all of them leaning into our shared wall, listening as Mom brought The Goldfinch to life for them. As they left, they said they would be recommending on their cruise evaluation form that Mom be hired onto the ship’s entertainment staff. ‘Reading time with Jane’ would surely be a hit!”

Wisdom in frugal leisure from the past

I remember one young mother speaking to me after Mom’s funeral service. “Your mom was so smart to do her reading every day! She knew what she needed to do to make it all work!”

Storytelling was a form of entertainment as far back as when people first started to gather around a fire. And reading aloud was a common form of leisure right up until the middle of the last century. Cable TV, Netflix, and Youtube have largely replaced the joy of reading, and they’ve all but obliterated the practice of reading aloud.

The only contexts where reading aloud is at all common today are those involving children: the classroom, where teachers test the skill of their students, and the home, where parents read to their young children before bedtime.

True confession: I love reading aloud too

I suppose it’s not surprising that having been raised by an out-loud-reader, I was drawn to reading aloud myself. I used to love reading bed time stories to my children, and I tried to make the nightly ritual last for as many years as possible. Eventually, each of my 3 daughters told me enough was enough, and I accepted it with regret. (My eldest was 16 years old. After having read all of Jane Austen’s novels to her, I started on Dickens. We made it half way through David Copperfield when she gently told me it was time to cease. She finished the book on her own. Sigh…)

As a high school teacher at a school with many English language learners, I was thrilled to find out that one of the best ways to promote proficiency in English was to read aloud to students! I took full advantage of that permission for as long as I was a classroom teacher. Now, as the teacher-librarian, my once-yearly Jane Austen Book Club gives me only the rare occasion to indulge in reading aloud.

An unexpected opportunity: sick daughters

Last weekend, my two youngest went to Toronto in advance of seeing Lana Del Rey in concert Monday night. They thoroughly loved the event. But almost as soon as they arrived back at their cousin’s apartment, where they were staying, DD2 felt sick. I had heard that the flu was particularly bad this year, and DD2 got it with a vengeance. Nothing stayed down. She couldn’t eat or drink. Within a matter of a few days, she would lose 15 pounds.

DD3 soon showed signs of the flu as well, and the two sisters were stuck in Toronto all day Tuesday – unable to take their scheduled bus ride home. Their bewildered cousin continued to host them until they were able to leave on Wednesday – and then she got sick too.

Reverting to childhood comforts

DD2 lives downtown, but she came home to stay for her days of recovery. DD3, who did not at first  suffer as severely as her sister, came down with a fever. By the time Saturday rolled around, they were both able to eat most foods. And while they were still weak, they were no longer completely incapacitated.

It was DD2 who asked me: “Mom, can you read to me?” Yes!! I ended up reading The Rosie Project, by  Graeme C. Simsion, and they loved it! For hours, we were sprawled out on DD3’s bed, giggling at the sweet awkwardness of Don Tillman’s observations and conversations through the first several chapters of the book (which I highly recommend to anyone who hasn’t read it).

We were back in the old days. Not just our old days – the days of their childhood – but the days when reading aloud was a normal leisure activity – even among adults – even healthy ones. So thoroughly enjoyable! And frugal to boot!

Reading aloud: Is it in my future? (I hope so!)

DD2, about 90% recovered, has gone back downtown, but I’m hoping that DD3 will want to finish the book. And not on her own. I would love to read a chapter or two a day to her over the next week or two. And while I don’t think I’ll ever take up my mother’s odd practice of reading out loud alone – I need an audience of at least one –  I do hope I’ll continue to find excuses to read aloud in the years ahead.

Did either of your parents do something that nobody else’s parent did? Are there old-fashioned, frugal pastimes that you enjoy? Can you help me think of more excuses to read aloud in the years to come? Your comments are welcome.

*Image courtesy of

Frugality, Housework, Household Dynamics

  • DH = Dear Husband
  • DD3 = Dear Third Daughter

Giving up cleaning service for debt-reduction

When we first started our journey out of debt in June of 2012, one of the expenses we let go was a house cleaning service once every two weeks. It was a good frugal move, saving us $200 per month. It was also the most challenging move of our overall mission to get out of debt.

“Why?” you might ask. “What’s the big deal with housework? Everyone’s got to do it. Just do it!”

I’ve tried to give an answer to that question in various posts over the years. Here is one I gave 5 years ago:

“I hate cleaning. Most people don’t like cleaning, but what I’m talking about goes way beyond the general dislike. It’s a uniquely fierce loathing. I’m able to discern it in others when they have it, and I feel an automatic bond with them. But most people don’t understand. They have a ‘suck it up, Princess’ attitude to any whining, so I pick my audience carefully when the need to vent arises.”

A month later, I wrote:

“With DH’s constant work, I’m doing the grocery shopping, the driving of our children to their activities, the cooking, the dishes, dog-walking, logistical arrangements to make plans come together…  And all this on top of my day job… I brought this fact to DH’s attention last week, and he acknowledged it. ‘So why don’t we hire cleaners again?’ I asked. He recoiled at the thought and committed to house-cleaning on Saturday morning. We would both put in four hours, and get it done. I agreed and said nothing about my doubts. As I suspected, Saturday came and went with no house-cleaning. He had too much work to do. I did not take up the slack. And that’s how I plan to play it. Let the dust bunnies take over.”

What about getting the kids to help?

5 years ago, we had a 13-year-old and an 18-year-old living with us. (Our eldest was studying away from home.) Why couldn’t our daughters do the housework with me and get it done? That is a very, very good question, and the answer is not easy for me to acknowledge. There was some significant dysfunction in our family dynamics at that time, and DH and I could not make the whole “team work” thing happen.

Some parents manage to get through the teen years without upheaval. If you are in that category of parent, that’s great, and no doubt you did a number of things right to make that happen. We aren’t in that category. We had years of significant issues, and combined with DH’s career crisis and our financial mess it was tough. To-the-breaking-point tough. Could we have managed things better and avoided that chapter of hell? Certainly the money-stress had been of our making and it compounded all other stresses. Apart from that, I don’t know. What I do know is that at that point, we could not make family house-cleaning function.

Housework = something I wanted to outsource

So housework was a heavy burden for me. Something I didn’t like – that I resented – and that my energy levels were too low to do well. Just after the 3-year mark of our journey out of debt, we reached the milestone of having paid off everything except for the mortgage. We gave ourselves permission to hire cleaners again.

Another thing I gave myself permission to do after reaching that milestone was to stop teaching summer school. For the first 4 summers of our journey out of debt, I took on summer school as a way to earn extra income to bring the debt down. Now, since I was taking my summers off, we canceled the cleaning service for July and August because I had lots of time to do it myself.

Functional family housecleaning

Last summer, as September approached I decided I didn’t want to hire the cleaning service again for the school year. “Let’s try again to do it ourselves,” I said to DH. And we have. And it’s working! I think there’s a good chance we will never hire cleaners again.

The house-cleaning is divided into 3 parts:

  • I clean about half of the house.
  • DH and DD3 each clean about a quarter of the house.

Every weekend, I spend 3 or 4 hours cleaning. And it’s perfectly fine. It’s not the burden I found it to be 5 years ago. Why not?

  • I find it SO MUCH easier to clean when I know that other people in the household are doing their share of it too. When we happen to clean at the same time, it’s elevated to a strong bonding experience that verges on pleasant. (For real!)
  • Since I’m not doing it all myself, I’m not left with that depleted-but-still-not-on-top-of-it discouragement. I’m NOT depleted. We ARE on top of it!
  • The elements of dysfunction in our household have largely disappeared. There is no war to wage to make shared housework happen.

I have a friend who has often pointed out that since DH and I started our journey out of debt, our relationship has so clearly grown stronger. I haven’t always seen it, but in this instance I’m really struck by it. When a couple can work together to keep the house clean, it’s a VERY GOOD sign. When they can lead their children to take part in the effort, EVEN BETTER. A whole lot has to be going right for household house-cleaning to be done fairly, consistently, and well.

Ripple effects of debt-reduction

How have we managed to get from Point A to Point B? Just as I don’t have a complete understanding of how Point A happened in the first place, I can’t say definitively what has made things get better. But I do believe this: In facing our debt head-on, DH and I have had to deal with many of our respective character flaws, and we’ve had to confront areas of miscommunication and misunderstanding. As we’ve worked on these things, ALL areas of life have improved – not just our finances. Our household relationships are better. And we make a fine house-cleaning team.

Do you hate housework? Or is it not a big deal for you? How did your family deal with housework as you were growing up? If you live with others now, does everyone do their share of the housework? Your comments are welcome.

*Image courtesy of Hyperbole and a Half

Commuting Blues = Early Retirement Goal

It’s Sunday evening, and there’s a lovely view outside. The snow is falling, and since it’s been falling for a few hours, everything looks like a Christmas card. This is the kind of scene that makes winter look inviting. The caption could be, “Get out your toboggan!” Or, “Time to get your skis on!” Or, “Walkin’ in a winter wonderland!”

But for me, and for thousands like me, the message is this: “Tomorrow’s commute to work is going to be brutal! Leave at least an hour early.”

3 commutes from hell in one week

The second last Tuesday before holidays, I left the house at 7:20, trying to stifle a nagging thought at the back of my mind that I’d blown it: I was going to be late for work. The snow was falling rather gracefully, so I tried to convince myself I could still make it in to my job – at a high school – by 8:00. In a burst of proactive decision-making, I chose a different route – one my colleague had sworn was always reliable. Within 10 minutes, I knew something was up.

It took another two hours for me to find out what that something was: a lane closure at about the half-way point, caused by an accident. I pulled into work at 10:15, my soul sucked dry by the 3-hour commute. “I NEVER want to go through that again,” I thought.

The next day, a Wednesday, snow still falling, I was on the road just after 7:00 … And I walked into work just before the 9:00 bell.

Thursday, I left for work at 6:45. “Not taking any chances,” I thought. But even then, my normally 40-minute commute to work more than doubled to an hour-and-a-half.

FIRE types blast commuting

Early retirement bloggers have nothing good  to say about commuting. They live close to their places of work, and they bus, cycle, or walk to get there. In a post from 2011, Mr. Money Mustache itemizes the evils of a 40-minute commute over the long-term – wasted money, wasted time, stress, danger … And he doesn’t even include snow storms.

Whenever conversations about work-life balance arise, I speak as the FIRE types do, and argue for intentionally setting up close to work to avoid long commutes. But for me, it’s too late. The costs, financial and otherwise, of moving out of our home don’t make sense – especially since DH is established here in his home business. And the idea of trying to find work at a school closer to home? I am so much happier at my current school than I have been at any other. That counts for something, and I’m not willing to give it up – especially this close to retirement.

Retirement miscalculation & MMM’s less-$-needed

I recently realized a huge oversight I had made in calculating my retirement year and income. The upshot of it was that while I correctly identified June of 2019 as the earliest I could qualify for a pension, I overestimated that pension by $8,000 annually. My pension income would actually be only half of my current income if I took that 2019 retirement date. “You might have to work longer,” DH said. I agreed.

But when I was sitting in traffic for 3 hours that Tuesday morning, I thought it would be worth at least $8,000 per year NOT to have to commute anymore.

Another Mr. Money Mustache concept is this: if you get used to frugal living, not only can you retire earlier thanks to more money saved and invested, you can also retire earlier because your expenses, having become lower with a simpler lifestyle, can be funded with less money.

My financial freedom date: still June 2019

My $8,000 per year miscalculation is no small deal, but I believe we can set things up so that the lower-than-anticipated income will be more than enough. If we play it right, I should be able to say “Good-bye” to the morning commute in another year and a half. That thought helps me face it for the short term.

As the snow continues to fall outside, I’m mentally preparing myself for a very early start tomorrow morning. My plan is to leave by 6:15.

Do you have a long commute to work? Is there something you can do to change it? Or do you feel stuck with it until retirement? Could you live on 50% of your income in retirement? Your comments are welcome.

*Images courtesy of Jeremy Jenum via flickr and




2018: Our Year of Debt-Freedom

DH = dear husband

As I looked ahead to our journey out of debt in May of 2012, I wrote, “According to my rough calculations, it will take just over five years for us to get there.  But I’m not very good at math, and I know that the unexpected will happen, so I’m not committed to the timing – just the direction of the journey:  out of debt.”

We’ve been following Dave Ramsey’s steps to debt-freedom, and in his book The Total Money Makeover, Ramsey says it takes the average household seven years to get there. As we progressed along our debt-repayment in those first couple of years, it became clear that we were falling in line with that 7-year average. Our projected debt-freedom date: June 2019.

The numbers from our starting point of June 2012:

  • Consumer Debt – $21,400
  • Business Debt – $80,800
  • Mortgage Debt – $155,000
  • Total Debt – $257,200
  • Emergency Fund – Non-existent
  • Investments – Not happening (except for my automatic pension contributions through work)

Our progress as of December 2017:

  • Consumer Debt – Paid
  • Business Debt – Paid
  • Mortgage Debt – $60,000
  • Total Debt – $60,000
  • Emergency Fund – Full
  • Investments – Happening on a regular monthly basis


My mom passed away in November. I remember how heartened and relieved she was when DH and I became focused on debt-reduction. She and my dad (who passed away in 2007) had always been frugal and money-wise, and my many years of financial mismanagement had bewildered and often frustrated them. Our turn-around was of satisfying significance to Mom, and she cheered us on. My sister who lives out west told me that when she would talk with Mom on the phone, Mom would often happily share our debt-reduction progress as part of her newsworthy family updates. I don’t think we ever get too old to enjoy making our parents proud, and a big part of the encouragement I’ve felt over the years in watching our debt numbers drop was in knowing how pleased my mom was about it.

So I write this next part with mixed feelings. The inheritance that I am receiving will move our date of debt-freedom up by about 8 months. Instead of June 2019, it will likely be September 2018.

We can put one lump sum against our mortgage once per year to a maximum of $18,000, and while we had planned to take advantage of that option for 2017, we had no illusions about being able to make the maximum payment. But we have. So to update our update:

  • Mortgage Debt – $42,000
  • Total Debt – $42,000

Of course I’m grateful. Of course it wouldn’t be this way if I had the choice.

Resolutions for 2018

No mortgage penalty

We’re not going to wipe out the mortgage and incur a penalty – no need to waste a cent going that route. We’ll put another maximum lump sum down and pay off the balance with regular monthly payments. That intention in itself is an indication of how far I’ve come. Impatience was a major root of the financial chaos in which I operated for years, and for me, it has been the biggest challenge of our journey out of debt. But I’m not giving in to it. The wisest thing to do is to take our time, pay off the mortgage without penalty, and invest the rest. So that’s what we’re doing.

The moving plank analogy

A less S.M.A.R.T goal that I have is to fine-tune the self-discipline that I’ve been building over these last 5 years. For 2016, my resolution involved a planking analogy. At the end of 2015, we had recently finished Ramsey’s Step #2 (pay off all non-mortgage debt), and were adjusting to steps #3 and #4 (save a big emergency fund and invest regularly). I had found the change difficult. For me, it was more satisfying to attack the debt full-on, with no diversions into savings and investments. I wrote: “I need the core strength – the stability and balance – of patience in my approach to our shifted financial goals. Muscles in the human pelvis, lower back, hips and abdomen ideally work in harmony. Efforts towards our savings, investments, mortgage payments, and giving can also progress towards an ideal of harmony. No rush. Slow, steady, progress. Balance. Stability. Just breathe, and hold a little longer … like a plank.”

At the end of 2016, I managed to hold a 5-minute plank. And DH and I also succeeded in reaching a strong, steady habit of saving and investing as well as paying off debt. But I’ve learned something about planking: It’s much better to vary your planking position every 10-30 seconds than it is to hold a single position for several minutes. And I’d like to work that concept into the new steadiness of our personal finances.

I’d like to take another step away from the “all-or-nothing” financial compulsion that I’ve always had. This compulsion has moved from spending-max-out to intensive-debt-payoff to strictly-budgeted-savings/investments/mortgage-payments. The moves have been made in the right direction, and  we have healthier finances as a result. But now, while I want the same level of strength, I also want more flexibility – less “strict”. No surrender to chaos, but more ebb and flow within a strong, steady effort. Less set-in-stone, and more room to adjust … like a moving plank.

Do you have a New Year’s resolution? Your comments are welcome.

*Image courtesy of Pixabay.

Merry Christmas!

Wow! Christmas has taken over big time this year. I haven’t been able to do any blog writing (or reading – sorry!) this past week. I’ll be back at it for the New Year.

If you celebrate Christmas, I wish you a wonderful season of celebration.

To everyone, I hope you enjoy some down time, and a chance to meet with friends and family.

See you in 2018!

*Image courtesy of Pexels

New Debt Reduction Analogy: It’s Like Getting Control of a Flea Infestation

This is one of our flea traps – with over 40 caught. (Ugh!)

  • DH = Dear Husband
  • DD3 = Dear 3rd Daughter

Our dearest Rocky died November 7. When we went to the vet in October to get him treated for fleas, some blood work was done, and it indicated he was having trouble with his kidneys. After another few weeks, he stopped eating and drinking. More tests confirmed kidney failure as well as cancer. DH, our two youngest daughters and I were all with him at the end. Heart-break – which was of course followed by more heart-break November 20. It was so strange that Rocky and my mom left this world within two weeks of each other. They had a very special bond.


The flea treatment Rocky received was very effective. The medication was applied to his skin – between his shoulder blades – and (I think I’ve got this right) it made his blood lethal to the fleas that bit him. So they didn’t. He was comfortable within a day or two.

If Rocky had lived, all fleas that were trying to survive apart from him would soon have been done in. Even strands of fur from a dog treated with this medicine carry enough poison to defeat any flea in their paths. As it was, the fleas had no such weapon to confront, and so they were free to fight for survival.

“Our vet told us that fleas die off in 3 or 4 days without a host,” my cousin’s wife said to me. We found out that that was not strictly true. I learned more about fleas than I ever wanted to in what was essentially a forced crash course on the topic. Here are some basics:

  • There are 4 stages to a fleas life – egg, larva, pupa (when they’re in a cocoon), adult.
  • Adult fleas can survive on human blood, but the eggs they produce while ingesting human blood don’t always do well.
  • The pupa stage can last for as long as half a year.

Our flea story

Itchy ankles

Within a few days of Rocky’s passing, DD3 was getting itchy ankles. It didn’t take long to identify the cause: fleas. We assumed the biting would soon stop – since there was no longer a canine host for them. But it didn’t stop. We tried denial for a few more days, but DD3, besides dealing with grief at the loss of her dog and anxiety for her grandmother, was getting tormented by persistent bites. And my ankles were itchy too …

Salt & baking soda (and washing, storing, vacuuming)

Our crash course began, and we learned that a combination of salt a baking soda would kill fleas. “Sprinkle it on all carpeted areas, as well as fabric-covered furniture, mattresses, and box springs.” We used 9 kg (20 pounds) of salt and the same amount of baking soda to cover

  • all of our upstairs carpeting (stairs, hallway, 4 bedrooms)
  • 4 bed mattresses and box springs
  • a fabric couch

Besides throwing out all of Rocky’s bedding, we threw out the old fabric couch and chair he had always sat on. We slept on sleeping bags on top of our salt-and-baking-soda-covered mattresses. Every sheet and pillow case, every item of DD3’s clothing went through our washing machine. We stored pillows, comforters, and blankets in garbage bags in the shed for two weeks. (Fleas can’t survive freezing temperatures.) We moved as much furniture as we could off of the carpets and into two bathrooms to keep things clear for the vacuum cleaner. (Picture bumping into cluttered storage in the bathrooms at night …) We let the salt and baking soda do its work for a week, and then it was time to vacuum. Everything. Daily vacuuming was then necessary.

Flea traps

At first we bought 2 flea traps and rotated them around different rooms in the house to find out where the worst-hit areas were. After we’d vacuumed up all of the salt and baking soda, we wanted to be able to tell if we’d solved the problem once and for all, so we bought 2 more traps. The first 2 were so littered with fleas, we could no longer tell if new ones were being caught. 3 fleas in one new trap. 5 in another. For several days now, there have been no additions. The whole ordeal took a full month.

So how is a flea infestation like debt reduction?

  • At first we didn’t even know we had a problem with fleas. And then when it became clear that something had to be done, we tried denial – which didn’t work. DH and I had “normal” debt levels for a long time, and we didn’t know that was a problem. When our income plunged due to job loss, the vulnerability of our finances became very clear – but we continued to live in denial of it.
  • DD3’s misery, combined with my itchy ankles, became a call to action. We were jolted out of denial. High levels of financial stress likewise served as a wake-up call for us. We took our heads out of the sand and faced our financial situation head-on.
  • “Experts” said the fleas would die within  days without a host. But that wasn’t true. We had to research, learn, sift through accurate and inaccurate information, judge which strategies would be best to solve our problem. “Experts” also have a lot to say about personal finances, and it can be very confusing. We had to research, learn, sift, and judge to set ourselves on a path to financial health. (We chose to follow the strategies outlined in Dave Ramsey’s The Total Money Makeover.)
  • It took a lot of focus, commitment, and work to follow through on our chosen flea-destroying strategies. And at times, it felt like drudgery without result. The fleas were persistent! In the same way, we have had to maintain our commitment to debt reduction for the long haul – even through times when it has felt like a hopeless effort.
  • We beat the fleas. We are also beating debt. In the 5½ years since we started our journey out of debt, from our original $257,000 total, we’ve paid off almost $200,000.
  • Fleas need a host. When Rocky was no longer there to bite, they tried us. The fleas loved DD3; they liked me; but they didn’t touch DH. Go figure! Debt needs a host too. DH and I had to change so that we no longer had the composition of debt hosts.

Have you ever had to deal with fleas? Have you even noticed that bugs seem like biting some people more than others? Are you a debt host? Your comments are welcome.



Reflections on My Mother’s Passing

My mom passed away. When I last posted, just over a month ago, she had been admitted to the hospital after a series of strokes. In hindsight, her final illness was not a long one – two and a half weeks. But while it was unfolding, we were all over the map in terms of prognosis and hope. Even in the final week, I remember being convinced that she was turning around for the better. In the last days, however, it was so clear that no improvement was going to happen, and our best hope was for a peaceful end.

Much to be grateful for

Although it was a time of huge loss and exhausting intensity, I am struck by how much beauty there was in it, and by how much I have to be grateful for.

Most obviously, I’m grateful that Mom lived a long life. She died on her 93rd birthday. And she lived well until the end. Her wonderful trip to Italy in September now takes on iconic proportions.

Mom was at peace with death. When I told her, after the first of her strokes, how sad my eldest was about it, she said, “Tell her I’ve lived a long life. I’ve been very lucky, very blessed. If this is an introduction to death, it’s nothing to be sad about.”

Mom had loved ones by her side through her time in the hospital. My sister who lives out west flew to Ottawa as soon as Mom was hospitalized, and we were all able to maintain a fairly constant vigil. Mom’s fourteen grand-children and two great-grandchildren had a chance to visit – most in person, two via phone. At the very end, she was surrounded by all five of her children as well as one grandchild.

I was treated with great compassion at work. “Do what you need to do. Take the time you need,” the school’s leadership team told me again and again. One day when a colleague asked me how I was doing, I said it was tough and then dryly told her that I was blowing it as Prudence Debtfree. I had no time to grocery shop or cook, and I was eating all of  my meals at the Tim Horton’s in the hospital. Two days later, there were 3 Tim Horton’s gift cards in my mailbox totaling $250. I was moved to tears! I will love my colleagues forever for that kind, kind gesture!

Friends have rallied around with meals, treats, visits, cards, and messages of support. And I was touched by the number of friends who showed up at Mom’s service.

Her memorial service was wonderful. Mom was always very engaged in her community, and although she was predeceased by so many people in her life, the church was packed. It was really uplifting to hug and shake hands with person after person after person who loved her.

I want to be more like my mom

Mom had an enormous capacity for contentment and joy. I remember feeling sad for her when she had to leave her condo in the spring of this year and move into a retirement residence. She had valued her independence, but once the move was made, she was entirely happy in her new home. Her months there were good months.

And in the hospital, that same default to contentment and joy stayed with her. It was a staggering blessing. As the most basic abilities left her, even when she couldn’t speak her love, she lavished it upon us. I will cherish memories of her fixing her eyes on a particular grandchild, and then watching that grandchild light up in the glow of her smile. What a gift!

Love and joy. The first fruits of the Spirit. They were the wellspring of Mom’s abundant life. If you can take 7 minutes to listen to this reflection that she gave in church at the age of 90, “From Loneliness to Abundance”, you’ll get an idea of what it is we have lost – and what it is we’ve been given.

Image courtesy of Max Pixel