Tricia's Musings

Random Thoughts about life in general, living in the big city of Toronto



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Wants versus Needs – particularly when there’s no money to spare

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Every few months I keep going over this mental list of things that I want.

The list keeps growing of course because the needs outweigh the wants in rank of importance or at least that’s what I keep trying to tell myself. Yet that list keeps growing.

I’m sure you know what I mean. On the list of needs are things like groceries, utility bills (heating, electricity, phone, cable) prescription medicine, mortgage payments and so on.

On the list of wants are things like occasionally ordering in for dinner, buying a new computer or laptop, maybe getting an iPad, getting a new cellphone (I’d love an iPhone) oh and I’ve been saying for years that I can’t believe we’re pretty much the only people on the block without MP3 players. LOL

I’m sure I could list a lot more needs and wants – especially wants – like walking through the grocery store and “wanting” to pick out a lot more of the often higher priced items that I really like, but don’t because we’re on a tight budget … but you get the drift.

One thing that’s kind of halfway between a want and a need is new clothes. A lot of my clothes are on the old side. I haven’t been on a shopping spree for quite a while and there’s definitely a few items that need replacing.

There’s also the fact that the new medicine I’m on for my migraines, Topamax, sometimes has a side effect of making people lose their appetite and thus makes them lose weight. That’s already happened to me (three weeks in) and while I haven’t weighed myself, I think I’ve lost at least 5 pounds if not closer to 10 if the looseness of my clothes is any indication. If this keeps up I’m going to need to get new clothes soon whether I like it (or can afford it) or not.

Do you struggle with wants versus needs? Particularly if you are on a tight budget?





The new car needs a repair already

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My husband’s home again this week. He’s on another mandatory temporary layoff from work. He had a layoff week in July and then followed it up with two weeks holiday so all in all he’ll be off for four weeks this summer.

If they were all paid weeks off that’d be great, but he’s really only being paid for two, thanks to vacation pay … and receiving that vacation pay messed up his unemployment application as they count vacation pay as “money received” so he won’t be getting any unemployment money for his two layoff weeks. If you count the two layoff weeks in December that makes four weeks that he’s been laid off work in less than a year (thanks to the hospital going over budget) and he should qualify for a little unemployment pay … but thanks to that vacation pay it’s not going to happen.

I’m just trying to survive with Chris off work and at home all the time. I have a hard time getting my work done when he’s around because he asks me questions while he’s working on the other computer.

I do have a little reprieve. Chris just took our car to Brantford to see if the garage / dealer where we bought the car with repair the back window that won’t go up or down free of charge. We just bought the car and the window was working when we test drove the car so in our minds they should repair it for free.

We spoke with the man that sold us the car earlier today and he said it probably wouldn’t cost anything. I sure hope he’s right because we don’t have any extra money for car repairs right now … and as I said above I don’t think we should have to pay for the repair anyway. Also, if they are going to charge us we’d rather hold off on fixing the window. We can live with one window that won’t move for a while. At least it’s in the closed position! It would be a different story if it were stuck in the open position.

Man, the garage we bought our car at is a mess. When we drove down there a week ago to see our unrepairable Contour and test drive a car on the lot I had to use the washroom. Normally I don’t use public or even private washrooms if I can help it. I just don’t like to – but in this case, after looking at all 10 cars on the lot and test driving two of them I just had to go!

The whole garage was a mess. I think they saved everything that the business has ever owned (they opened about 80 years ago!) and of course everything in the place was covered in grease and I think metal dust. All except their new epson receipt printer and cash register.

The washroom was the dirtiest washroom I’ve ever been in. It was bad. Everything was covered in black dust or grease – even the inside of the toilet! If I hadn’t had to go so badly I would have turned around and walked out of the washroom. As it was I just tried my best not to touch anything and got out of there as quickly as I could.

Anyway … if Chris didn’t hit any traffic he should be in Brantford by now and with any luck the guys at the garage can look at our car today. If no parts need to be ordered and if it’s an easy fix he might be home tonight, otherwise I guess he’ll stay over at his parents place and get the car fixed tomorrow (for free I hope!) and drive back sometime tomorrow.

I’m hoping he’ll be home tonight -even though he drives me nuts when he’s home all day LOL, but I have a feeling I’ll be on my own tonight for a solo dinner.

Have you ever bought a used car and then discovered a problem almost immediately after buying it? Was the repair covered by the business that sold you the car?

Looking for ways to cut expenses

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If you read my last post you know that we had to bite the bullet and buy a new car. Well a new used car.

I guess we could have waited and gone carless for a while, but with family out of town and my husbands parents getting older (his dad is 82) we feel better having a car at our disposal.

Now thanks to our big, unexpected, purchase we’re not going to have any money to spare for months or perhaps even the next year.

We’re already pretty good about watching how we spend our money, but I’m going to have take another hard look at our bills and spending and see where we can cut. I’m pretty sure we can get a better long distance plan with our phone company, and I can cut out a few things on our cable bill too. I’m also pretty sure I can cut down our grocery bill a little bit as well. I’m sure our savings between all of those things won’t be all that much since we’re pretty careful already, but with any luck I might be able to cut an extra $100 or so. Even that will help.

When it comes time to buy new clothes we can always try an online wholesale apparel store for deals. Oh and we shop at Costco – mainly to fill my many prescriptions, but if we buy more things in bulk we might save a bit there too.

Oh well … I guess we’ll just have to be really careful with our money for a while. I hope nothing else breaks down! We’ve already replaced our washer, drier and a TV this year … The furnace is probably next on our list.

Our old car broke down – now we have a new one

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Another busy day .. or rather another busy week!

Last week, Chris was on his last week of holidays and I spent part of the week at home on my own because Chris was off camping with his brother, and the rest of the week was spent traveling out of the city to Brantford twice and going to some friends of ours for a BBQ.

The main reason we went out of town twice was because our car broke down in Brantford. GRRRR … I wish our in-laws had told us that it had broken down, but they didn’t tell us until five days after it had happened. again – Grrrr! Once we tried to get the car fixed we found out that the transmission was shot. It’s apparently pitted and therefore it leaks.

So … rather than putting $3000 into a 14 year old car (it had worked well until this happened) we decided to buy a newer used car. That accounted for our second trip to Brantford as there was a good deal at the used car dealership that’s attached the garage where our old car was being “not” fixed.

Last Friday night we took a few cars for a test drive and decided that a 2006 Pontiac Pursuit would be fine for us. Unfortunately we couldn’t finalize the deal until Monday so Chris had to go back on Sunday night so he could get the ball rolling on Monday morning … then he drove home with the new car on Monday afternoon.

While he was in and out of the house over the last week – or week and a half I noticed how much cleaner the house was without him around … especially the bathroom! I think I finally figured out why we have this odd white spot on the front of the Hansgrohe faucet … it seems he leans over to take a sip of water when he’s brushing his teeth and of course this leaves some toothpaste foam on the edge of the tap. Guys!?!

Anyway … we’ve got our new car now. It was a little more than we can afford … especially since we weren’t expecting to have our other car breakdown like that. Although, given that our old car was 14 years old we had been thinking that we’d need a new car sometime soon. Just not this soon.

Unfortunately we’ve found something wrong with the new car. When Chris came home from work this evening we decided to get the dog and take a drive along the lake. It’s a hot day but we didn’t turn the cars air conditioning on (yes it works). We opened the windows and the back drivers side window wouldn’t open. It had been working when we test drove the car – but now it’s not .. so I guess it must have a loose wire or something.

I guess we’ll have to call the used car dealership tomorrow and see if they’ll fix the back drivers side window. The sales bill says all sales final so I don’t know if they will fix it free of charge or not – but I hope they will as we really can’t afford another expense … plus it’s only right – we find something wrong just 24 hours after buying the car? Yeah they’d better fix it. Hopefully we can get it fixed here rather than driving back to Brantford yet again.

Happy New Year – did you make any resolutions?

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Happy New Year!

Yes I’m a little late in greeting the new year on this blog, but better late than never!

I hope that you had a Merry Christmas, Happy Holidays and ended the holiday season with a happy start to the New Year. Thanks to all of you have been regular visitors over the year(s). I can’t tell you how much I appreciate your visits and the thoughtful comments that you leave me.

I generally don’t make new years resolutions, but blogwise, I’d like to resolve to be better about replying to comments and getting out and visiting many of your blogs. I do visit many of them regularly, but I don’t always leave comments, I’ll try harder to leave comments this year. My main problem in not keeping up with this is because we (my husband and I) have so many blogs and websites to maintain that it leaves very little spare time, but I’ll try harder to make the time.

Another, necessary resolution, is that I’m going to try to lower our regular monthly expenses! As I’ve said many times we’re going through tough times and have no money to spare, but if we can lower some of our regular bills it might help a bit.

For example – our cable, internet and cell phone bill all come from the same company. We used to get a 15% discount for having three services with them but they changed that in August and now we’d have to get a fourth service (home phone) in order to qualify for the nice discount. I’m considering moving from the regular telephone line we have with Bell Canada to the Rogers Home phone as it will cut our phone bill in half or more. The rates are just so much better with Rogers … plus there’s that discount, but I don’t full trust the service. So I’ll think about that one for a while longer.

The other thing I’m thinking about is to drop down to a lower cable package to save money. I do like my premium channels. Considering that I’m sick with Crohn’s and there’s times when I can’t do much else other than watch TV (reading while in pain doesn’t work well for me, can’t concentrate) that will be a hard cut, but I think we might have to do it.

Our electricity company, Toronto Hydro, has a new billing system where the price of electricity used is higher during the day and lower at night after a certain time. It’s called “Time of Use” so we’re making an effort to run the dryer on the weekend or evenings when we do laundry and run other appliances that use a lot of energy in the lower cost time periods. We’ve always been pretty good about our electricity usage, but we can probably lower our bill by a few more dollars a month. Maybe ..

I’m also going to go in search of low life insurance rates to see if we can get a better deal. Our rates are already pretty low, but I might find something a little better.

Did you make any resolutions this year? Are they practical and ones that you can probably stick to?

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