I know, it’s been a long time since my last post. I wasn’t as far out of my anxiety/depression/fibromyalgia flare episode as I thought. I backslid. It feels like I’ve been in a fibro flare since September. I usually have a flare when the seasons change and when there are weather disturbances. Winter was so weird this year I didn’t stop flaring.
I’ve decided to concentrate on the blog and a few farmer’s markets/craft markets for the rest of the year. I’m also going to practice extreme self-care in an attempt to not have a repeat eight-month episode. As I feel better I can write up my designs and go through that process. My hope is to blog five or more times per week and participate in at least two markets. I’ll add anything I make to the shop and just close it on market days so the same thing doesn’t sell twice.
I have a pile of different things I’ve made during the past six months that just need the ends woven in, to be washed, photographed and added to the shop. I’m going to work on those this week. Weather permitting I will even be able to use sunlight rather than artificial lights!
Blog-wise I plan to continue Simply Sunday and Tuesday Quotation posts. The rest will be updates on what I’m doing and book or product reviews.
One big life change is that my pension plan (from my last employer) sent me an exit package with four options:
1-leave my locked-in pension money with then until I can begin accessing it as a retiree at 55.
2-transfer it into another HOOPP (Hospitals Of Ontario Pension Plan) employer if I was working at another hospital.
3-transfer it to another employer pension.
4-transfer it to a financial institution in a LIRA (Locked-In Retirement Account) or transfer the above locked-in portion to a LIRA and take a cash amount to keep or put into an RRSP (Registered Retirement Savings Plan)
I chose option 4 and to keep the cash. I received it a few weeks ago. I plan to live off that cash as long as possible. It was $89 355.00 locked-in and $92 238.12 cash (in a cheque) and allows me to get off social assistance. It feels like a weight of stress is off my back! It’s so nice to not have to worry too much about money! I kept a few thousand in my regular savings account and put the rest in a higher interest savings account. I want to see just how much or little I need before I start removing money out of the higher interest savings account monthly.
When I checked on health insurance to cover what I’m losing by going off assistance I found the monthly fees would be more than my monthly prescriptions cost due to all my health issues. It’s going to be cheaper to just pay for what OHIP (Ontario Health Insurance Plan) doesn’t cover. I will basically have to pay for prescription drugs, glasses, dental care, massages, chiropractic visits, physiotherapy visits and a semi-private or private hospital room should I be admitted to a hospital.
I admit I have made a few large purchases since receiving that cheque. I went from depositing it at the Credit Union directly across the street to the electronics store. I purchased a MacBook Air and an iPad Pro, both in the smaller size. I’ve since had to purchase a few Mac programs I use on my iPhone 6SE and iPad; I wish third party apps could be used across all Apple products, not just the Apple apps! I’m still learning the intricacies of the differences between Mac and PC computers. This is my first Mac.
I’ve bought some e-books-ok, lots of e-books.
I plan on replacing my FitBit One; its button is taped on and half of the neoprene cover has fallen off or is close to falling off. It’s lasted at least five years though-probably more-I’d have to look up when I first joined the FitBit website community.
I joined DoTerra an essential oil provider, as a wellness consultant. As a consultant I can sell to others, sign up other consultants and receive discounts on the oils and other products I purchase. I’m still learning about all that this can entail. My first shipment has been shipped but hasn’t yet arrived.
I rejoined the Yarn Love Yarn Club for six months. I love Katie’s yarns and her colour sense! I’m so glad I am now financially able to rejoin. I missed receiving those wonderful monthly yarns! Katie also sells jewellery now, I bought a few bracelets from her too. The bracelets are on their way too.