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divorce bury a parent commit to my career go to therapy and rethink everything pages home sustainable food affordable housing transportation and travel employment and income health and beauty sunday may 8 2016 home made turmeric supplements turmeric like ibuprofen is anti inflammatory unlike ibuprofen it can be found organic in the grocery bulk aisle in a jar labelled with one ingredient it s also you know a food a food that is not associated with stomach ulcers though google tells me that some people have identical reactions to turmeric as those suffering the side effects of ibuprofen that was all the excuse i needed to purchase a capsule machine i d been taking ibuprofen every day for months to manage debilitating wrist pain despite also keeping my wrist in a brace and on ice on my days away from work i couldn t do yoga and had to go easy on the yard work and gardening if i wanted to be able to wield a chisel and plane at my job as a professional woodworker i can t remember the price tag but i do recall that the machine herb and capsules cost less than some bottled turmeric supplements making the turmeric pills at home isn t quite as simple as the instructions would suggest perhaps because my capsules are a size smaller than the machine is built for still it s about twenty minutes worth of work all told to make forty or so turmeric supplements i haven t taken ibuprofen in several months and my wrist pain is a recurring memory acupuncture has done a lot for my mobility as well but at 75 a visit i can only go a few times a year a month s supply of my home made supplements costs about a dollar my psychiatrist approves of the turmeric saying that some studies show that it may be helpful in overcoming depression he worried that plain turmeric might not do the trick however because the herb supposedly works best when combined with black pepper and eggs probably i decided to take a store bought supplement that included black pepper in the ingredients list and two things happened first i immediately experienced the nausea and other stomach problems that some people experience with turmeric and long term use of ibuprofen second my wrist pain came back with a vengeance i gave up after a couple of weeks and went back to my dirt cheap and very effective home remedy posted by tread softly at 7 40 pm 7 comments saturday may 7 2016 year ten guys it s year ten for some reason i felt that may 7th was my blog s birthday 9th birthday by the way glancing back at the very first post however i found my mistake so happy belated birthday challenge i m still doing everything wrong it s been a rocky rocky road to get where i am and much of it seems to have been spent shoving as many stones in my pockets and sleeves and shoes as possible to carry along with me i started writing this blog after moving to austin where i brought my husband to help me rescue my sister and care for my dad and i don t even really remember what else oh yeah achieve total financial freedom debt freedom freedom from having to work something i m not entirely sure is possible ever much less in eleven years i have a car and a cell phone now a prius and a smart phone no less i m still living in community at least still gardening and turning compost and building fences oh yeah and i have a dream job i work with my hands for reasonable pay and benefits under minimal supervision i build and i learn being single has its perks too i am ever so slowly but surely hammering my life into what i want it to look like i wake up with the sun i make my bed i drink my coffee in relative peace i spend most of my time alone which is nice i have amazing friends and family nearby this next year of blogging will focus on recognizing accepting and appreciating my myriad blessings my privacy and freedom my opportunities and possibilities i want to master the art of self love which by the way i couldn t type without grimacing and maybe just maybe we ll figure this challenge out after all posted by tread softly at 4 56 pm no comments friday may 6 2016 april 2016 spending breakdown posted by tread softly at 10 20 am no comments moonlighting i m driving for uber now it was only a matter of time until i gave into the temptation of moonlighting especially with the new convenience and expense of car ownership my intention is to have the car pay for itself lease insurance gas maintenance and possibly eventual replacement that just happens to amount to a maximum monthly ira contribution sooooo guess where that extra will be going having driven about five hours last night to learn the system and about an hour and a half this morning i figure an average of about two hours a day should comfortably meet my goal that s about how much time i was on the bus before buying the car so squeezing that time in at my convenience shouldn t be a problem p s i ll also create an account to stash about 25 of my earnings uber drivers like all contractors pay self employment taxes and should be prepared for a ginormous yearly bill posted by tread softly at 9 21 am 2 comments saturday april 30 2016 luxury mindset as i said on yesterday s post i am done racking my brain about investment and debt payment strategies at this stage the only way i can devote more cash to these endeavors is by spending less or earning more earning more is a temptation to be resisted sure there are plenty of ways to bring home more cash and i happen to excel in this area unfortunately my body is pretty beat up from a decade of overwork i d rather earn income from a single source devote my energy to mastering the skills that make me a valuable tradeswoman and increase my income that way which is slow going that said the name of the game is spend less which luck would have it is another area i happen to excel in what i want to overcome is my current emotional response to frugality my divorce introduced a time in my life of not giving a fuck about eating out drinking in and otherwise luxuriating in not needing to take care of another person or myself cooking baking knitting and my other frugal hobbies are so strongly associated with taking care of him that i couldn t really approach the kitchen without breaking down i still did certain things like hanging laundry while steadily crying i m healing however and these are practices that define me and at least used to make me very happy the time has come to experience daily acts of frugality as matters of self care and luxury basically i d like to be so busy doing the things i love that the idea of buying store bought treats is honestly less appealing than enjoying my every day process of creation posted by tread softly at 8 05 am 1 comment friday april 29 2016 the shift okay i created the betterment account and spent all of yesterday evening and this morning playing with graphs and calculators i arranged to have payments automatically deducted from every paycheck to fund a 6 month expenses savings account and a roth ira this meant many hours of accelerated thought on which investment should be most heavily funded the emergency fund protects me from borrowing the retirement account serves my future self but is inaccessible until then and the debt payment apy comes to over twice that of any promised by my investment vehicles add the fact that i can invest as much as 5 500 tax free into that ira twice what i thought raises the bar that s a lot of tax deferred investment the fact that it will take nine years at my current rate of pay to save a six months emergency fund is another knot once that s saved it s good and i can relax and just worry about the ira right so maybe i should max out my saving in that area for say a year and go without investing in the smartest available investment this year no that s not right and the car payment the car payment which haunts me the car payment which if i didn t have to pay could go entirely to maxing out the ira without a problem maybe i should pay that off before making any other choices except it slowly sunk in that apy isn t the only number that matters in this particular formula sure i m paying twice the amount in interest to the car payment than any of my investments will pay me in the next four years but the ira will be compounding that apy for thirty years whereas worse case scenario the car will be paid off in four years by paying an 30 extra a month on the car i save less than 300 in interest over the life of that loan if i invest that 30 in my ira on a monthly basis for the next four years it will earn over 4 000 in interest by the time i retire suddenly investment is about ten times more interesting than debt servicing i adjusted my car payment back to the minimum payment keeping in mind that i am still a month ahead payment wise and increased my retirement draft by that same amount i maintained a reasonable emergency fund draft and now the time has come to walk away i ve said this about a dozen times in the past four weeks but this time i mean it i am honestly saving as much as i can afford while still dealing with my medical situation splitting my dedication between a cushion and future comfort i am honestly happy with my investment strategy though eager to up the ante i have edited my monthly car payment more times than i will probably have to actually make payments time to divert my attention elsewhere i m going to do my absolute best to resist logging onto these accounts until the next quarter august when i will have resolved the medical issues and can start thinking about negotiating a raise posted by tread softly at 10 16 am no comments thursday april 28 2016 getting better about five years ago i made the move from bank to credit union before committing to a building i researched every credit union that might accept me as a member in my area i created a spreadsheet in order to record and rate the various fees and rates offered on various accounts mutual funds certificates and iras darling and i went with the third best option for various reasons after my divorce i went ahead and signed up for what i remembered as being the best choice but upon checking the spreadsheet today was actually number two humans are dumb except maybe not credit union 3 which darling and i chose way back when is now for all intents and purposes the best in terms of financial return actually it s the best all around this raised two concerns first i wondered about the wisdom of investing long term in an investment that is in such tight competition and fluctuates in its standing after all the only certificate of deposit they offer that s worth half a damn is a seven year investment secondly that certificate of deposit called a share certificate in credit union lingo btw is not worth half a damn at all the fact is the credit union is a decent way of cashing checks and saving a month or two of expenses but not for much else it is not in any way an investment vehicle this is a surprise to absolutely no one but it s still a tough pill to swallow i need a better plan i turned to google expecting little more than the standard advice save six months of expenses and then we ll talk about investing the other 2 500 you should save on top of that in a variety of mutual fund blahblahblah yes i m trying to save that six months of expenses i have spent many months caught up in the question of what that number should even amount to and i have made almost zero progress instead i discovered betterment this is an investment website that designs and customizes various funds specifically to one s individual needs and abilities do you know what hooked me its first recommended priority build a six months emergency savings betterment did more than offer the stale advice it created a plan it gave me a number sure fine whatever it s more than i ve ever had saved at one time it is therefore good enough it gave me a savings timeline so i ll know once everything is set up whether or not i m on track it created a model of stocks bonds and the blahblahblah so i can pretend that i know what s going on it suggested a monthly payment that was reasonable and doable i can also create an ira through betterment that will offer the same tools it tells me how much to expect to need by retirement how much to save to get there and the likelihood of actually succeeding i love the clarity of being told exactly what the next step will be without having to surrender control i can pull out the money or rollover the ira if things don t work out but right now the structure looks like a really perfect way to manage my savings in the same way i so enjoy handling debt exact payments specific goals and movable timelines posted by tread softly at 6 19 pm no comments older posts home subscribe to posts atom the preoccupation with what should be is estimable only when the respect for what is has been exhausted ortega y gasset it may be that the satisfaction i need depends on my going away so that when i ve gone and come back i ll find it at home rumi the question isn t who is going to let me it s who is going to stop me ayn rand there is no more fatal blunderer than he who consumes the greater part of his life getting his living henry david thoreau life shrinks or expands in proportion to one s courage anais nin somewhere in the archives of of crudest instinct is recorded the truth that it is better to be endangered and free than captive and comfortable tom robbins blogs i read 6512 and growing bitter sweet consciously frugal down to earth foxs lane frugal vegcafe ghost town farm grow the change kneedly knots melbrennan ngo family farm posie gets cozy purple pear farm the lost goat this sorta old life throwback at trapper creek young girl old life followers net worth weigh in 3 14 957 08 2 14 739 14 1 14 708 44 12 13 205 71 11 13 1 365 24 10 13 2 325 26 9 13 1 678 32 8 13 1 043 68 7 13 1 791 33 6 13 1 045 50 5 13 970 40 5 12 1 305 05 5 11 6 894 45 5 10 9 345 34 5 09 14 169 82 5 08 13 516 09 5 07 16 125 80 blog archive 2016 41 may 4 home made turmeric supplements year ten april 2016 spending breakdown moonlighting april 10 march 11 february 11 january 5 2015 12 december 5 august 2 july 2 may 1 january 2 2014 42 december 8 september 3 august 1 july 2 june 1 may 4 april 2 march 2 february 9 january 10 2013 134 december 9 november 9 october 15 september 6 august 16 july 5 june 6 may 13 april 11 march 9 february 10 january 25 2012 119 december 7 november 12 october 3 september 5 august 4 july 13 june 10 may 14 april 12 march 12 february 10 january 17 2011 158 december 10 november 18 october 9 september 14 august 14 july 11 june 13 may 10 april 8 march 22 february 17 january 12 2010 151 december 13 november 21 october 8 september 19 august 10 july 6 june 8 may 17 april 11 march 16 february 6 january 16 2009 144 december 12 november 11 october 8 september 12 august 13 july 17 june 10 may 13 april 9 march 12 february 12 january 15 2008 192 december 12 november 11 october 14 september 13 august 12 july 15 june 15 may 16 april 16 march 2...