Category Archives: #LawofAttraction

The Christmas Credit Card Bill

Yes it arrives just after we ring in the New Year without fail. Time to pay the piper for the excessive celebrating right?

Two years ago I asked myself that question. Is this really the price I need to pay every year in order to enjoy celebrations with friends and family? My answer was “no”.

I asked myself a few questions.

1. Am I willing to give up the Christmas fun to save money?

2. Is there any other way I can stop the pain and anxiety of that horrible bill that slides into the mail box each January to destroy the holiday high?

To the first question I answered no way. And so in January of 2013 I started budgeting for Christmas so as not to increase our debt load further and at the same time still enjoy the season.

I am no brain surgeon, and clearly those who know me will readily agree 🙂 But I did make a smart move a year ago. I pre budgeted for Christmas 2013 in January of 2013.

The results:

SAM_0620With this successful result under my belt, next steps blog about and implement a weekly/monthly budget plan.

I read somewhere that millionaires actually plan out their weekly spending. This got me thinking, why on earth shouldn’t we do the same?

Happy New Year and stay tuned. We are on the way to becoming debt free!


The Christmas Tree

We’ve had the same Christmas tree for 20 years. It is a highly valued family possession. Standing a humble 6 1/2 feet tall with branches of bright green the color reminds me of a child’s finger paints. Yet the shade sets off the delicate ornaments hanging from its bows beautifully. The tree is lush and full which makes up for its lack of height. It reminds me of trees we used to see when driving north to Santa’s Village with the kids. As long as you avoid touching the limbs, which are paper thin, it passes as real.

The tree is always covered in tiny white lights, save one lower bow reserved for a string of multicolored bulbs. The colorful strand pulsates to the sound of tradition Christmas songs coming from a box near the plug in a gentle music box style. The smell of pine wafts from the tree, an artificial aroma created by air fresheners hung from branches. Legend has it cats are repelled by the spicy scent. Both of our furry family members seem to enjoy the aroma as they climb the tree, lounge on their favorite branches and bat at the air fresheners. Thankfully the tree is heavy which makes it impossible for the little felines to knock over.

So what makes this tree so precious to us? It is the ornaments. Each one carefully chosen over the years to reflect the stages of life or the story we lived in any given year. Everything from our first Christmas together as a married couple, to baby milestones,  items the kids made in elementary school, to handmade ornaments created during leaner years. More recently a hand crafted beaded felt heart all the way from SA. This item was created by a group of women in South Africa who sell the items to help support their families. A friend who visited the town gave it to me as a gift last year.

At Christmas time these ornaments displayed amidst a backdrop of bright green and under tiny twinkling lights is a beautiful reminder of all we have lived and shared together and it is our story.

As the grandchildren have started to arrive, and just as I envisioned 20 some years ago; we make a warm cup of hot chocolate sit back and share stories associated with each ornament.

In our home this is so much more than a Christmas tree. This is a story tree.

The Zany Blogger

I am amazed how fast November has flown by. After this entry there are 3 posts to go and I am starting to wonder what to do with myself next month to stay out of trouble.

Anyway as the month fizzles away the posts seem to be getting more and more punchy. Trying to find something to write about every day has been an enjoyable and eye opening challenge.

Therefore without further introduction let me present my latest silly post.

He called you what?!

So yesterday while I was talking to someone in real time. I got around to asking him if he was enjoying the blog.

He told me he didn’t have a lot of spare time, but had read some of my “zany” posts.

Later when I got home the worry wart in my brain starting singing.
“He called you zany that means crazy. He must not think much of you,” and on and on it went.

I quieted the wart with a dose of compound positivity and got to thinking about the word zany.

I thought about what it means, light, easy going, silly, free spirited,
funny. “Well that’s not so bad,” I reminded myself, considering that is what I look for in life as often as possible. Actually, if I am honest with myself it is probably exactly what I was going for in the posts. For someone like me who is allergic to labels I guess you might say I’m turning into a hypocrite. I really, kinda love this label.

Here’s an idea, maybe I can call myself ‘The Zany Blogger’. It works doesn’t it?

How do you handle the worry wart choir that plays in your head?
Love it or hate it, I don’t think we can ever silence it. Just maybe though, we can have a little fun with it?

Cycling Through The Winter Blues

The weather turned icy and cold here today as it normally does around this time of year in Canada. Gone are the warm summer breezes and brisk, bright autumn days, replaced by winters’ icy touch.

With the colder temps setting in it is time to store the bike. I will miss that little piece of metal on wheels. We started a new adventure together this year and I learned about possibilities. It also reminded me how to feel like a kid again.

It was a good fall season, no worries or regrets because as soon as the weather warms up and the ice melts I will be out there pedaling along the streets and down through the parks once more, offering a smile and sincere “Good day” to those I pass by.

The winter time in Canada brings with it darker and colder days and for those of us who live in this climate, exercise is crucially important. A couple of months without sun can lead to depression, aka cabin fever.

With the bike tucked away in the garage, I turn back to the treadmill. It is perfectly situated beside a window overlooking the park. As I have done for many years over the winter months I will spend hours walking miles while watching snow storms and winter winds blow.

I have used that machine to walk through many a winter blahs. Worrying, at times, that there was nothing more for me. Thinking I would spend the rest of my life on a treadmill leading to no where.

But there is more, and the cycling adventures are proving it to me. Life is a journey. There are steps to be taken in order to grasp more of it.

Walking the treadmill built strength in my legs. This strength allowed me to hop back on the bike and continue the journey. A journey 4 years ago didn’t cross my mind.

Life has ups and downs, and sometimes we want to give up. Maybe it is true what they say, “we just have to keep going.” And when an opportunity to do something new presents itself, go ahead and give it a try.

“Step out, risk, live, love and laugh.” These are more than words, or pretty cliches. They are real time events to be experienced each day.

What new thing can you try today?

Debtless & Cheap – A Pause In Cheapville

I’m off my usual subject today, hopefully by the end of reading this post you will understand why.

I was working on the wool mitties this morning. For more on the mitten story see blog post here:  When an unexpected knock at the door caused me to loose count on the pattern. I knew the person standing there, we’ll call him M, because he was the same man who had adopted a
kitten from us back in early fall.

Ya, I’ll have to write a post explaining why we had kittens in the first place. Another blogging idea. 🙂

Anyway back too M. standing on my front porch. He wasn’t doing very good and explained that for personal reasons he was no longer able to care for and house the kitten, who we nicknamed Tigger2.

SAM_0273He said, he didn’t want to send the kitten to the pound, which I was happy to hear. Conditions in that place are not fit for anything living. I didn’t bother to mention he would have been asked if he wanted to euthanize the cat because they have no room for more animals.

Let me mention here that when I gave M. the kitten the last thing I said to him was, “Just know you can bring him back any time no questions asked if there is a problem.” And true to my word, I took him in.

As M. left he scratched Tigger2 on the head and said, “I love him you know.” His expression of affection for the kitten made me smile and I knew that was true. This was very hard for him and I didn’t want to prolong it. He is a nice person with his priorities
straight and giving the kitten back was a very unselfish act and the right thing to do.

“Don’t worry,” I said. “We’ll find a place for him.”

Now here is the quirky twist to this story. I wasn’t really surprised to see the kitten, although his return was unexpected. Let me explain.

Throughout the week I have been getting (let’s call it intuition) that one of the kittens might be coming back. Or at least that was how I interpreted it.

First I heard from several of the kittens owners that the little ones are going crazy right now. Which is normal behavior for a cat of that age. One of the new owners really seems to be struggling and I reminded him that can be returned if necessary.

Next, I turned on a show called animal intervention that is new to me. For those unfamiliar with it. Basically two people tour homes in which there is suspected inadequate care for big cats and other wild animals. Where they find poor conditions they attempt to work with the owners to either fix up the housing or relocate them to a safer and healthier location.

Tears welled up in my eyes as I watched a big cat owner unselfishly surrender the animals he loved so dearly to a sanctuary because he was no longer able to care for them. I was very impressed with this unselfish act, much the same way M impressed me this morning.

De ja vous or what?

Anyway as impressed as I am the work begins. We need to find a new home for Tigger2 where he can be happy and healthy and thrive with unselfish people. People very much like M. who
are willing to share their home with this adorable little guy. If you know of anyone who might be interested in adopting Tigger please get in touch with me.

Thank you

Debtless & Cheap – Free Advice & Happiness

Cheap Advice and Happiness

I am a little, or should I say I “WAS” a little pissed off this morning.

Since I needed a post for today to keep up with the NaBloPoMo challenge I thought this is as good a subject as any.

The experience:

I was talking to someone, we’ll call her Anne, about riding the bike today. Anne was all bundled up as if the temps had already hit sub-zero. She suggested, “it was rather ambitious of me to continue with the cycling considering the drop in temperature.”

It was +5C today.

I replied, “no big deal as long as you’re dressed for the weather.”

Well this response failed to deter her from the desired result I guess. She went on to share with me how a cyclist had fallen to their death over a bridge. The bridge I use to go to and return from my destination on these outings actually.

It seems Anne really wanted to put me off riding today with all this lovely and well intentioned (giving her the benefit of the doubt) negative chatter.

I said “goodbye” to her and toddled off to pack up my stuff and pull out the bike.

Here’s my problem. Anne did get me worried. Actually her horror story had me fearing for my safety. When I ride I am alert, watch the traffic and obey traffic lights etc. Although I had taken this route many times over the last few months, anxiety began to fester in the pit of my stomach.

Now I believe well placed fear can be a powerful motivator that can keep us safe, however when misused it can become a very dangerous emotion to feel while doing a task that is usually simple.

I knew I needed to change the thought. On the ride over that bridge I reminded myself, “you can just as easily get killed in a car on the highway. Actually far more have been seriously injured and killed in cars than on bicycles.” Yes I know the law of averages.
More cars than bikes… I had to stop comparing these dark facts and statistics if I wanted to be safe and fear free.

“I am cycling today because it is great exercise, increases energy and the sense of well being and I’m saving money,” I thought.

Immediately I started to feel better and enjoy the ride again. I noticed the more I practice law of attraction, changing negatives to positives, is happening quickly and easily.

I am reminded to accept good advice and leave the fear behind. This way we keep moving forward toward whatever life has to offer. Moving beyond the fear of “I can’t” and toward that  possibility “I can” increases our chances to succeed at whatever we can envision, and act upon.

This resistance I experienced from Anne is another rule of law of attraction. The greater your desire to succeed the greater is the resistance you experience.

A final thought:

I have a blogger friend who experienced a wicked cycling crash and is just now getting back on the bike after some time. To me this shows courage and strength of character. Both traits I highly admire and respect.

How do you feel the fear and do it anyways?

Cycling in the Snow

What a ride.

This morning there was a light dusting of snow on the ground and the temperature had dipped below zero. It was time for my bike ride and I started to freeze up thinking about the risk the snow might pose.

For those of you who followed my previous posts you might remember the post re: getting back on the bike after years of not riding. No I won’t say how many years!

If you missed that post it can be read here:

Anyway one of the reasons I started cycling again is the desire to do new and fresh things. Tired of the same old, I wanted to dust the cobwebs away from my life. Well riding in cold weather and with snow on the ground was definitely something new to me.

When I looked out the window and saw the white fluffy stuff I felt a ton of anxiety. Phrases like, “it’s too cold” and “it might be slippery” started  playing through my mind to a chorus of ridiculous catastrophic scenario’s. Don’t get me wrong these are great cautionary points if they cause you to be sensible and don’t keep you from doing what you love.

I knew I had to silence the choir before I could consider a ride, or I would be too nervous and the trip definitely would become a dangerous ride.

So how did I overcome the negative self talk and improve my mood before riding? The answer is simple. I used a little soft and positive self talk to ease the hard and negative. l told myself things like, “no harm in trying” and “I can always turn back if needed.” There are no do or die scenario’s in my world, only fun and enjoyment.

After dressing appropriately, away I went. During the ride I realized this is much the same as anything new we want to try. Sure you feel nervous and the inevitable, “you can’t because ____ arguments arise. However, you can push through it easily with gentle and uplifting self talk. There are always options and safe ways to accomplish our desires and goals when they are positive and in our best interest.

This very gentle approach to success works for me. Now I’m curious, how do you override the negative thoughts and just do it!