Net Worth – December 2017

Late posting my net worth, but here it is.

A few points of note over the past 2 months –  I got some cash gifts from my family (~$600) for my 35th birthday. Big expenses included paying for dental cleaning out of pocket ($100) as I currently do not have health insurance, my license plate renewal ($240) and a cancellation fee from Sirius XM ($40)*. Also, I bought a booster for the car ($155). The largest expense was the Additional Qualification course that I will be starting at the end of January ($685).

In general, over the holidays, I have been generous with my spending as I want to enjoy the time I have with friends and family. This is something I’ve made peace with on a personal level, knowing that being away for 5 years in Quebec has made me feel a bit more disconnected with loved ones.

My Honda CR-V is paid off, as is my Motorala phone, so I am debt-free! That is a good feeling and of course, I never have a balance on my credit cards. I have also decided not to make any clothing purchases this year and in a way, that feels quite freeing.

Having said all that, I’m still waiting for the second half of my December pay to come in. Overall, I’m down about $3000 from October 2017, but at least I’m glad that I have maxed out my RSP contributions. I knew that I would not be saving at all, but my goal is to break even while reestablishing myself coming back to city life and enjoying the process.

Even without health insurance/coverage, I have still decided to pay out of pocket to take care of myself in ways that I could not previously (due to isolation, not lack of funds). I am basically spending the money now instead of over the past few years, which would have been the intention. Tomorrow I have an initial assessment with a physiotherapist for my right leg/knee (~$100), on Tuesday I will have my 3rd appointment for massage ($85) and Thursday, my counsellor ($60). Please note that I do generally space these appointments out but I ended up accidentally pushing them off into the second week of January.

I’m going to try to monitor my groceries by paying in cash for the next month and see how this feels. I do buy some expensive items (i.e. vegan meat replacement, vegan junk food) and want to make sure that I’m not just blowing it all.

To continue to minimize my spending, I’ll continue going to my yoga studio ($3800/10 months) and use my Goodlife gym membership ($400+tax/year). I have paid for two months of Cody app subscription ($10 USD/month) but will be cancelling it by January 17th. Gas is a big expense, and while I have not been tracking that, I should and will try to only go to Shell using my American Express credit card.

I’ve also applied for EI for the two week seasonal layoff (i.e. Christmas holidays where substitute teachers are not offered work), but likely won’t see any of that until later down the road. I still need to get a Record of Employment and am waiting as I’ve officially resigned from my former school board as of January 1st, 2018.

It really felt cathartic to write all this out and take a look. It’s important to do this work for myself. I know I get a lot of help from family**, who pay for groceries, take me out and take care of me in ways that is not measured monetarily. I am going to make better efforts to show gratitude to others through time and still be mindful of spending.

Here’s to an exciting 2018!

*Pissed at myself for this as I didn’t note the subscription roll over. Normally, I note these things in my calendar and set an alarm.
**My brother-in-law and sister let me hop on their TV account.

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Applying to Another School Board

Took the day off.

Went to a Kitchener library in the afternoon and sent in an application for the Avon Maitland District School Board. It costs us $12 for each application on the Apply to Education website, which is the site that most public school boards in Canada now use.

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While I’m not particularly focused on entering this school board, I figured it would be wise to have options. It extends northwest of the Kitchener-Waterloo area. I figure if work is slow with my current school board, I can also take full day work with Avon-Maitland.

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November Update

Lots of life updates. Here we go ….

Yoga Teacher Training: I won’t write so much here. I tend to microblog important notes on Cody, since that’s where other people discuss anatomy and yoga with me. Otherwise, this is the third weekend and it’s going well. The studio director, L., spoke with me privately yesterday. She knows that I have been feeling going through an emotional rough patch (still dealing with my break-up), but at the end of the night, she told me that she’s very glad to have me in the program and in Waterloo. It was really sweet and it meant a lot to me.

Also, can you spot which one I am?

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Accepting compliments: I used to struggle with accepting compliments and brush them off / deny / deflect. Over the years, as I spotted this behaviour, I worked on it. I am better at receiving them, which includes simply looking at the person who said it, smiling and saying thank you.

As I’d mentioned above, the director gave me a HUGE compliment last night. Today, I also got several compliments. 1) The (same) yoga director said that she liked my pineapple tank top, which was nice on a cloudy and dreary day, 2) a classmate that I ate lunch with said that I was smart, attractive and charming and lastly, 3) another peer said that my teaching instructions were spot on and that I was a natural at it! Internally, I can still have difficulty accepting these as truths, but I want to embrace that this means I am valued and worthy, which isn’t a feeling that’s consistent when you are living in a new place and still trying to make new friends.

Occasional Teaching: Hard to believe but I’ve already hit the minimum 20 days I need to apply for the LTO list next year. So far, I’ve worked about 30 days. I took this week off as a much needed mental health break. I only worked a 0.5 on Thursday. And that’s fine. No need to shame myself for taking a break.

Career options: On Friday, I went to EdTalent, which is an annual job conference held in Toronto by Apply to Education. I got a chance to say hello to the Cree School Board and chat with my friend, E., who is now a vice-principal. We gabbed for 15 minutes and it was really nice just to say hi to a friend. But I still have wanderlust that will never ever die, and after sticking around Canada for 5 years – yes, I did travel during the holidays – I still want to go somewhere. I spoke with a few UK agencies. They will do anything as short as one month but I was considering a 2-month term.

Reading: One of the optional books to read for Yoga Teacher Training, is The Gifts of ImperfectionBe compassionate with yourself, according to Brene Brown. As I’d mention above, shaming myself for taking a mental health break is not productive. I used to do it but I don’t anymore. Over the past 4 years while working in the north, I took days if I wasn’t physically sick but was emotionally overwhelmed and needed a recharge.

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Employment Insurance: I need to apply for EI for Christmas! My classmate, N., tipped me off as she also works for the same school board. She said you can often get more money from EI than a summer job.

Financing my car: I paid off my car in 52 months, instead of 5 years! This is 8 months ahead of schedule as I threw several years of tax returns at the balance. I am feeling very proud about this! It helps too as I’m not making very much money right now.

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New Tiffin from Ten Thousand Villages

I have been wishing for a tiffin for years!!

A couple of weeks ago, I finally bought a metal tiffin ($30) at Ten Thousand Villages*. Iit was treat to myself. If I’m going to get into a habit of not buying lunches – this was initially happening in September, oops – then I want to feel excited about eating my lunch too!!

Yes, my family and I are still purging a lot of household goods through bartering on a site called, Bunz, but when I do purchase something now, I think a lot harder about it first.

You’ve no idea how patient I can be! Having lived in the north means that I often wait for many, many months before I buy something. So this tiffin was no different and was not an impulse buy; I’d actually first saw it back in July and waited until I had moved to Waterloo, unpacked, reassessed what was in my possessions and started working before I picked it up. I love it!!!

The only downside is that I can’t microwave it of course, but now, I just dump the food on a plate if I do need to heat anything up. All the school staff rooms have microwaves. Plus it’s also super easy to clean and I only deal with one lid!

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*This shop focuses on selling fair-trade items at sustainable and fair wages.

Weekend Update

Books: Re-reading an old James Herriot novel, All Creatures Great and Small. It’s probably been 18 years that I’ve read it. Just going back to some master story tellers. (Also, if you can’t tell, I’ve been obsessed with all things Brit lately.)

Car insurance: Been shopping around, as I am looking for a new insurance company for the start of July, when I move back to Ontario. I was paying far too much for Meloche Monnex, although I didn’t have much of a choice, since they were one of the few companies that would take me as a client (i.e. living in Quebec with Ontario plates). After talking to five companies, I believe my best bet is OTIP. It does pay to call around though; I got a $25 Amazon gift card from OTIP just for speaking with an agent and CAA also gave me $25 for chatting with them!

Roboadvisors:
 Finally transferred about $22,000 of RSPs out of Tangerine Investment Funds and over to another roboadvisor. There’s a nice spread of iShares and Vanguard ETFs. Will need to sit down and look through my asset allocation when I’ve got more time in the summer. Got a $50 bonus when I started the account since mentioning the referral from Jessica Moorhouse.

School Boards: All registered with my new school board, and getting calls for substitution on my cellphone (it took me a week to figure out how to turn it off until September). However, I am disappointed I did not get an interview with Ottawa-Carleton (OCDSB). Out of four other friends, only one person I knew got an interview for the OT list. I suppose I just try again next year … should I apply for Thames Valley? Will work on an application later this week.

Media: Podcasting as usual and enjoying BBC’s The Documentary. Also learned about Body Dysmorphic Disorder (BDD) on the SickBoy podcast*. Taking a pause after finishing seasons 6 of Call the Midwives and switching over to AMC’s Humans. AHHHH!!! Great show to watch after HBO’s WestworldWatch the trailer:


*This is a Canadian podcast and it is tastefully done, not what you’d expect when the three hosts are three white dudes. What’s even cooler is that one of the hosts is my gym buddy’s brother-in-law!

Life Update

I haven’t been blogging as regularly as I used to. It’s likely because Cody and Instagram have become other platforms for microblogging. I’ve decided to take a break from those two platforms for a bit and refocus on writing here, where I can write longer passages with more thought and clarity.

Having said that, here are some life updates:

  • Professional Development: Right after returning from Goose Break in a snowstorm, I drove straight back down to Kingston, Ontario for the annual math conference run by OAME. I did my first presentation at an Ontario conference, which was attended by my mentor, T., and also a friend; it went well and I made a few new connections too. This conference is particularly important to me as I am often feeling demotivated at this time of year; the energy and excitement I get helps to reinvigorate my passion for teaching. Not only that, but I got to meet Gail Vaz-Oxlade, as she was one of our keynote speakers!IMG_20170512_222256882
  • Netflix: I’ve been obsessed with Call the Midwife lately.  I’m late in the game – the show is currently at season 9 – but I finally finished season 5 last week and am now scouring for torrents of season 6. There are very few shows that show such a wide range of amazing women and be able to present a variety of important and sensitive topics. No need to worry about the Bechdel test here.
  • School: Had another visit from Science Travels, which is the third or fourth year in a row. They are always graduate students from the University of Ottawa. I’m always happy to welcome a group of nerds and just have some fresh conversation. This keeps me busy for 4 days straight, as I end up picking them up at the airport, going out for dinner with them and showing them around the school. It was fun, as always, though I didn’t spend as much time with this group as I did in previous year. Also busy with Elephant Thoughts as a new crew of 3 is in and helping my Grade 10 and 11s with studying and examination prep.
  • Bullet journal: Still using my first #bujo since September. The black hardcover grid Peter Pauper Press journal has worked well. I use it regularly for my weekly tasks, although I’ve officially started working on my new Leuchtturm 1917 (~$20) and setting up the new layout. It might take a while, but I hope to transfer to using it daily by July.
  • Sharing financial advice: A couple of female friends have been inquiring about financial advice lately and I’ve been really happy to share. I’ve mainly been explaining the differences behind using your RRSPs and TFSAs for investing and teaching friends about roboadvisors and why they’re a great place to start.
  • Make-Up: I dropped a couple of hundred of dollars on make-up in the past year, with the goal of learning how to do the basics. I invested in good vegan products, such as Tarte. YouTube tutorials (free!) have helped me learn the process and I can do a winged liner decently with some basic contouring (although I often forget the nose). I decide I wouldn’t be spending anymore on make-up as I have what I need and don’t need to go down a slippery spending slope. During the break, I did indulge in just one more item, a blending brush for my liquid foundation (~$10) from eyes. lips. face at Shopper’s Drug Mart. It was starting to feel ghetto using my fingers to apply … I had been looking for a foundation brush and nearly put in an order with Sigma, but remembered that, as of last year, e.l.f. finally switched over from horse hair to synthetic fibres on their brushes.

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Goose (Hunting) Break

Currently on my two-week holiday. In our school board, we do not have a March Break; instead, we have a much later holiday known as Goose Hunting Break. This makes everyone go crazy because the January-April period is just sooooo darn long.

Everyone goes out “into the bush” to shoot Canadian geese as they fly back towards their summer nesting grounds. The whole town shuts down and all the non-native teachers go back down south.

So far on my holidays, I’ve done a few things:

  • Signed a offer letter from my new job
  • Watched Logan
  • Ate Indian food with my sister and her husband
  • Started setting up a second roboadvisor for my RRSPs
  • Got my provincial tax return of $2,857.15
  • Had my cousin come over for dinner
  • Purchased the physical therapy bundle on Cody
  • Got my teeth cleaned at the dentist
  • Attended a YTT info session at Queen Street Yoga
  • Went to see an allergist
  • Cooked dinner with Gramma
  • Ate a vegan tamale

I still have a bit more than a week left and there’s still lots to do! Happy to have this paid holiday!

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Learning How to Use Sketch Up 8

Had some extra time at the end of the day, so I decided to knock off a task that I’d been putting off a while: learn how to use Sketch Up.

Sketch Up is 3D modeling software that I first came across a few years ago. It was originally developed as an add-on for Google Earth, but eventually developed into a stand-alone product. I have no time for it in the general classroom, as I already struggle to cram the whole curriculum into the year, but as I have one student who is ahead on the course, I thought that 3D modeling would be a great extension for the Area and Volume unit.

I found a great 15-minute YouTube tutorial on Sketch Up 8, which is the paid version that is installed on all the computers at school. I followed it and tried to replicate all the functions shown in the video:

This was the end product. Not much to look at but I admit that it was fun. I’m not much of a designer, but I can see great potential for students to get creative. I’ll still need to come up with a written assignment, but my student will have great fun with it.

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