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Tricia's Musings

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

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You are here: Home / Archives for Home and Lifestyle

How we save money

February 14, 2007 by Tricia

I’m always looking for ways to save money since I really don’t have much of an income coming in while I’m sick at home.

One way that I’ve found to save a bit of money is to take a good look at our home insurance to see if we have anything on the policy that we don’t need to be covered for, and I’ve combined our home insurance with our car insurance as that has provided us a discount from our insurance company.

We don’t really have any outstanding personal loans, and have no plans to take one out unless our car breaks down or something. We’ve applied for 0% balance transfers credit cards and expect to save quite a bit of money when we use our new credit cards.

Another way that we’ve attempted to save money was by adjusting our mortgage from monthly payments to bi-weekly payments. Now for those with mortgages that might not really seem like much of a savings since we are paying pretty much the same every two weeks combined as we did when we paid monthly, but the bank only charges interest at the beginning of the month and by paying twice a month we’ve actually lowered the amount of interest on our mortgage and this will result in our paying off our mortgage several years earlier than originally calculated.

The final way that we’ve attempted to save money is by earning higher interest on our current accounts. We’ve set up accounts at a bank that offers good interest rates even on low bank balances. I suppose this isn’t a savings, but earning interest on a balance that we couldn’t earn interest on in our regular bank accounts does give us a small gain doesn’t it?

How do you save money or cut costs? I’m always looking for tips!





Filed Under: Family, Finance, Money Tagged With: 0 percent balance transfers, account, bank, car insurance, credit cards, Family, Finance, home insurance, Insurance, Money, mortgages, personal loans, save money, savings accounts, thriftyscot

In a rutt?

February 12, 2007 by Tricia

I’ve been in a funk lately. I’m going to bed too lately because I’ve been in pain, and as a result of going to bed late, I’m getting up later and later. It’s a vicious cycle.

I can’t wait until the weather begins to get better. I keep telling myself that no matter how I’m feeling that once the weather is warm enough that I don’t have to dress up like the abdominal snowman to go outside that I’ll get out and get some fresh air, and exercise each day.

I’m sure that raising my activity level and just getting out of the house will help me reset my “go to bed” clock.

The weather is going to be cold, and by Wednesday stormy here in Toronto, so I don’t think that I’ll be able to get out much this week. Well, maybe I can convince myself to shovel some snow if we do get some. No, I think that it will be about two weeks before I can start getting outside regularly.

In the meantime- do any of my readers have any other ideas as to how I can turn my bad sleep / pain cycle around?

Filed Under: Chronic Pain, Health Fitness and Beauty, Home and Lifestyle Tagged With: Chronic Pain, cold, crohns, Health and Fitness, Health Fitness and Beauty, IBD, Inflammatory bowel disease, not going out, not sleeping, pain, sleep cycle, sleep problems, sleeping late, stuck in house

Trying to figure out what gift to get Chris for Valentines

February 8, 2007 by Tricia

If I had more money I’d probably hang out at Coupon Chief at least once a week, finding great deals and items to purchase.

I am going to have a look at the site in the next day or so and see if I can find something nice to purchase for my husband and perhaps my in-laws for Valentines day.

I have no idea what to get Chris for Valentines. I know he’d be happy with just about anything- even a card, but I’d like to get him something nice. My husband is a musician, and he specializes in the guitar, although he plays 13 different instruments. Perhaps I’ll look at all of the Guitar Trader coupons and see if I can find something that he can use with one of his guitars. I know that he needs a new case for one of his guitars, and we can always use some more guitar stands.

Yes, I think I’ve found the perfect gift. Now I just have to decide exactly what to buy.

Filed Under: Home and Lifestyle, Recreation, Shopping Tagged With: buying, coupon chief, coupon codes, coupons, deals, gift, guitar, guitar case, guitar stand, guitar trader, Home and Lifestyle, instrument, merchants, Shopping, valentines

Man seeks wife by going on Ultimate dates

January 30, 2007 by Tricia

I was watching the news on Sunday evening and they did a story on a Canadian guy who’s come up with a great way to find a wife.

Allan Wills is currently living in Britain, and soon to move to Australia I believe, but he’s so serious about finding a wife that he quite his day job to pursue his desire to find a wife.

He put up a website called “Are you my Wife?” and he’s challenged interesting parties to entice him with what they think is the ultimate date. I presume that if he likes your idea he’ll take you up on it.

So far he’s gone on some pretty interesting and amazing dates in 6 different Countries. One date took place underwater where he first met his date to be in goggles and diving suit! He’s been filming his progress as he goes.

You’ve got to give him credit – this is an amazing way to meet people and to see the world while he’s at it. I mean, some of his dates have been invitations to travel to the dates country and stay with them for a week while they go out and do interesting things. So free place to stay, interesting things to do and meeting new people? Sounds good to me!

He says that the journey is as important as the destination, and hopes to have found his life mate by July 24th, 2007, which would be exactly a year from the time he began his quest.

The news story on him was about 5 minutes long so I got to take a good look at the 30 year old Wills. He seems to be fairly nice looking, and doesn’t seem strange. In fact I think he’s pretty smart for coming up with this idea in the first place.

Check his site out- especially if you are hoping to find a dream man for yourself.

Filed Under: Home and Lifestyle, Relationships and Dating Tagged With: Are you my wife, canadian, dating, Home and Lifestyle, man, Relationships and Dating, seeks wife, Ultimate Date

Taking care of my knee pain with an ice wrap

January 29, 2007 by Tricia

I think I’ve mentioned before that I have bad knees. Certainly my loyal readers will remember that I had a very bad fall on my right knee last July that resulted in my knee being swollen up to twice it’s size for three months. Man that hurt. I spent so much time first putting cold pack on it, then alternating between cold and hot packs, and keeping it elevated.

Well, the swelling finally went down in my knee by the end of September but then as the weather here grew colder my knee began to ache. By the end of November I could barely move my knee without pain, and now that the cold weather has really set in my knee bothers me almost as much as my Crohns has been. It’s not nice having two painful areas of the body at once.

I’ve begun to think that my knee problems are not just related to my bad fall thought. You see, my left knee has been acting up too. Crohn’s can affect the joints too, so I might have an injury and an autoimmune system problem going on with my knees. Oh joy!

I’m not just writing today to tell you that my knees hurting. I’m actually writing this post to tell you about a newish site that sells Cold Therapy Ice Wraps. I actually wish that I had discovered this site during the summer because – as you can see from the photo I put above, their cold ice wraps for the knee would have not only provided some pain relief for my knee when it was so sore and swollen, it would have also allowed me to have some mobility while I was icing my knee.

As it was, I was using cold packs on my knee. You know those rectangular gel packs that you can purchase and throw in your freezer? I used those with either a dish towel or an elastic bandage to secure them onto my knee. If I didn’t move much the ice pack would stay in place, but if I had to get up to get a drink or walk up the stairs to use the bathroom the ice pack would start to slip off.

If I’d had one of those nice Ice therapy wraps I wouldn’t have had that problem at all, and I would have been able to move about much more easily. The wrap would have compressed the swollen knee, and between the cold and the compression it would have helped reduce the swelling or at least prevented further swelling.

Did you know that swelling slows down healing? It does. It impairs circulation and when the circulation is impaired healing is slowed. That’s why, as a nurse in the ER we always tell the patients that come in who’ve sprained their ankles or injured their knees to practice the RICE method. Rice stands for Rest, Ice, Compression and Elevation. All of these things help reduce swelling and thus promote healing.

I really like the icewraps.net site. It has a very simple user friendly layout. The first two featured products that you see upon visiting the site are a shoulder wrap and a Back wrap. As you may realize – shoulder and back pain commonly cause people to miss work, and both areas are very easy to injure either through sports or simply through use as we age. So I found it especially fitting that those were the first two products that I saw on the site.

The design of the products are great. The photos are large enough that I can see the details of the wraps, and if I want a closer look at the photo I just have to click on it to be taken to a page that has more information on the product itself and a larger picture of the item.

The site has wraps for pretty much all of the joints that could be injured through sports or overuse- back, shoulder, elbow, wrist, knee and ankle and they have both cold, hot and combo wrap products available too.

The site is easy to navigate and the color choice for the template is pleasing – to me at least, being mostly white with a mossy green header bar, and greenish gray sidebar. It’s easy to read, the text is a nice size and style and the site loads quickly.

There is a lot of information in the article section about common joint injuries, and the various types of wraps and their uses for each type of joint and joint injury.

The prices of the wraps are quite reasonable. The shoulder wrap that I discussed earlier is on sale for 84.98 which I believe is a fair price for something that looks easy to apply, and that is both therapeutic and offers support for a sore joint.

In the hospital where I work we have shoulder supports for people that have dislocated or injured their shoulders and they come in two pieces. I can’t see how anyone could possibly put our shoulder supports on properly if they were by themselves with no one to help them. Most of the nurse and doctors have trouble figuring out how to put these items on the patients properly too. No support or therapeutic device should be so difficult. Our knee supports are similar in difficulty. Neither have any form of cold or heat functions either- just support. I think that our patients are charged about $75 for the two piece shoulder support. They are more expensive than that, but our government health plan covers a portion of the cost. That’s expensive for a product that doesn’t look like it’s very user friendly or all that therapeutic.

That’s why I’m saying – as a nurse, and as a person who has ongoing joint pain – that the shoulder wrap and other products on icewraps.net seem quite reasonably priced to me, considering all that they can do when compared to the products that I’m used to using on myself or my patients.

In fact, I’d be happy to recommend this site to patients with injured joints in the future. I’m not sure that I could legally do this while working in the hospital, but if I was having a private discussion with the patient I might be willing to mention the site.

Oh and did I tell you that they offer free shipping?

The only con that I can see for this site is that they do not ship outside of the USA. That’s a drag since I’m in Canada. If the owners could at least increase their shipping area to cover all of North America I think that would be great.

If you have joint pain or a joint injury check icewraps.net out. I’m sure you’ll find some very useful products and information on the site.

Filed Under: Health Fitness and Beauty, Home and Lifestyle Tagged With: ankle wrap, cold therapy, crohns, doctor, elbow wrap, ER, fall, Health and Fitness, Health Fitness and Beauty, IBD, icewraps.com, Inflammatory bowel disease, information, joint injury, joint pain articles, knee wrap, nurse, pain, shoulder wrap

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