By the Numbers

I have been bogged down lately due to my habit of taking literally thousands of photos when I travel. My recent trip to Scotland was no exception! I snapped crazily away at every waterfall, every mountain, every castle, every sheep, every island...well, you get the picture heeheehee. So far I have "sent to trash" around 1,000 photos due to being blurry, uninteresting, bad light etc. I hope to delete at least another 1,000 over the next few weeks, hopefully more.

So I thought I would do a "by the numbers" post as October has provided a number of numbers...groan...significant ones from my point of view. As the month is rapidly coming to a close this post could also serve as a budget update. Killing a few birds with a couple of big numbers, sort of....here goes.

• 290 + 145 = 435 pounds Sterling still in my money belt after the trip! That's never happened before, usually I spend all of my cash and then turn to credit cards. The 290 is what I had leftover, the 145 was what my brother had leftover and which he gifted to me towards my next trip. He's planning a trip for next year to Ireland where he'll be spending Euros instead. The 290 that I brought back is almost 1/3 of what I took with me (900 pounds) - my brother taught me a thing or two about how to be frugal while travelling :) 
• $411 Canadian dollars each - the total for 3 weeks of renting a car plus gas came to $411 each. I tried to put the 145 pounds he gave me towards the rental car but my brother wouldn't let me - he was quite adamant that it go towards my next trip. What a guy...but really, that was quite economical I thought thanks to my daughter who was working at Enterprise at the time and gave us a hefty discount. Thanks Kazi!!
• $1,000 - sent to savings this month.
• $55.97 - electricity which is quite high for this time of year but I was informed that the hot and humid weather lasted all through September requiring the continued use of A/C. Next bill should be lower. I've allotted $45 for November's budget.
• $45 - I've also allotted $45 for natural gas for November which is higher than October's bill as the furnace has started to kick in. My last bill was $33.08.
• $82.98 - my cell phone bill was a whopping $4.00 higher - I turned my phone on a couple times to use the GPS; my fingers are crossed that my next cell bill is back to its usual amount of $79.00. Yes, cell phones are expensive to operate in Canada.
• $280 - my food budget. I know I overspent on food as I stocked up my pantry for soup making, Scottish oat scone baking, crockpot recipes etc. I could find out how much I overspent but I don't really want to know...it was BAD!
• ZERO!! Gas for the car budget line. Yup. I had about a quarter tank when I returned and I had a $25.00 Esso card. Now at the end of October I have about half a tank still. I've been driving a little but still walking and biking a fair bit.
• $86.27 misc spending budget line was quite low this month though I did make a few small purchases: about $20 for a hockey stick, yes for me, I'm now playing ball hockey! Also bought new knee pads for volleyball for $25. I purchased 3 books from Amazon. While away we went to a number of bookstores, used and new, and I took photos of the covers of books I would like to buy as I can get them cheaper from Amazon. That amounted to $33.27. The other thing was $8.00 for a good pair of goggles hoping to stretch out the biking season a little. Cold air makes my eyes water, especially when biking so I'll see if the goggles cut the breeze a bit. Worth a shot. I had allotted $500 to my misc budget so the leftover amount went to paying down my mastercard. 
• $100 - The outstanding amount still on my credit card. $111.00 is what I have left in my chequing account. I am going to pay off my credit card and will have $11 left to spend until Oct. 31 when I get "paid".  That's a bit of a stretch but I've starting putting money in my snowflake tin once again. I was able to stash $200 this month. So if I have any sort of emergency like running out of Miss Vickie's salt and vinegar chips then I'll have to use a snowflake or two!
• 73,000-68,698 = 4,302!!!!!!!!! This is my most significant number as of yesterday. I saw my odometer turn over to 73,000kms. When I purchased my used Honda Civic it had 68,698kms on it. I purchased it in September 2017. So in 13 months I have driven only 4,302kms (which equals 2673.14 miles) The average is 20,000kms per year. I am thrilled with that number! You will remember I wanted to go car free but then decided it would be too difficult. I have achieved a compromise that I can live with....for now.
• 15 - doing all that walking and biking over the past year has helped me achieve one other goal - to lose 15 lbs! Yay me! Those extra lbs have been really hard to shift thanks to menopause, my age and my metabolism slowing way down. 

So that's it for now. I will share more photos after another round of editing..but will leave you this one til then...

Traffic jam on the Isle of Skye!

All Gassed Up

Two challenges I have been working on in 2018 are 1) use as little gas as possible and 2) eat as little refined sugar as I can. So far I'm doing pretty good, especially where gas is concerned.

Since replacing my truck with a Honda Civic at the end of Sept. 2017 I have been lowering my monthly gas budget line - from a high of $200.00 (when I was driving Dougie the Dodge truck) to $60 now (driving the Honda).  A nifty savings of $140.00 per month! Yahoo!

AND... for the past 4 months I've only been filling the Honda once a month at a cost of $45.00 so I think it's time to reduce the budget line for gas even further - from $60.00 to $45.00 a month. Since buying the Honda the monthly amount I spend on gas has decreased by $155.00/month ($200 - $45). My car insurance and house insurance amount to $156.00 ($124 + $32)!! So by switching from a V8 truck to the Honda I am saving enough in gas to pay for car and house insurance!! That's amazing and has put a big smile on my face!! 

As most of you know I was thinking about going car-free so by driving something a lot more economical and lot more "green" than the truck goes a long ways to making me feel better about still driving.

Once it warms up a little (right now IT IS FREAKING SNOWING!!!) then I won't even be spending $45.00 per month on gas because I'll be biking most places within the city. I have met Goal #1 👍

GOAL #2 - the struggle continues...
I would estimate that I have decreased the amount of refined white sugar in my diet by about 75% (or more).  Which is great! I no longer spend time browsing the candy aisles at Dollarama (there are TWO Dollaramas within a block or two of my house though with me not shopping there as much as I used to I'm sure one of them will have to shut down due to poor returns!!) Since the beginning of January I have intentionally made purchases at Dollarama twice. Once was to buy a little somethin somethin for Valentine's Day which I shared with Kazi. And then one other time when I had a craving for chocolate covered almonds.

Zero Easter eggs consumed this year though I noticed a chocolate bunny on the kitchen counter :) and yes, I had a nibble. But the rest I'll take up to Kazi's room where I won't see it. I'm on the See Food diet, I'm sure you've heard of it - "if I see food, I eat it!"

It's not that I have stopped eating snacks - I have had a few bags of salt and vinegar chips and I have been baking oat scones on a regular basis. In addition, when I have a craving, I eat a few raw nuts which of course are high in fat and calories. BUT, the fat is good fat so they say. We've also turned to avocados (again good fat) and very satisfying. I tried (and failed) to eat one or two squares of dark chocolate a day as there are many health benefits but I couldn't stop at one or two so have had to give that up.

But I'm not giving up wine and beer - you have to draw the line somewhere! Besides...both have health benefits if they are consumed in reasonable amounts!

I've had to face the fact that I can't control myself around sweets. So I try to provide myself with sweet stuff that is somewhat healthier. My scone recipe spreads 1/4 cup of dark brown sugar throughout a yield of 12 scones. I use whole wheat flour instead of refined white flour, large oats, soy milk, butter, one egg and a half cup of currants. They are delicious and filling and use mostly healthy ingredients.

This isn't a diet about losing weight though I have lost 5 pounds over 3 months. It's more about trying to make healthier choices. It's hard though, I admit it. Menopause means I have to eat a lot less to maintain my weight as opposed to when I was a teenager and could eat as much as I wanted without gaining an ounce! NOT FAIR! 

I found a site that calculates your BMI but uses your age as well as gender, height and weight in their calculation. Yippee - on their site I am within the "normal range" - the loss of just 5 pounds and inputting my age (61) and gender has moved me from straddling the line between normal and borderline over-weight. I am going to save the results and look at them everyday for the rest of my life!!!

If you want to check your BMI go to https://www.smartbmicalculator.com/