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Thursday, December 8, 2016

Getting Everything You Want

Posted by Tim Stobbs on January 13, 2016

So over the holidays I was a bit shocked to realize I literally got just about everything on my wish list.  The only missing items were socks and a bottle of scotch (which no I didn’t go Boxing Day shopping for instead I waited to almost the new year to buy when the stores were less busy…oh its official my scotch is now as old as my career at 15 years *grin*). I think it helps that my wish list in the first place was small, but it did occur to me that despite getting just about everything I wanted I wasn’t suddenly like ten times happier.  In fact, things went on very similar to how they went on before over all for my happiness.  Within a week I wasn’t any much happier than when I got it all.

That of course is a minor example, but the same thing does end up applying to those that have sudden windfalls of money.  The lower amount you might easily miss it, but the effect does kick in regardless of how much you win (yes even the poor soul that will win the $1.5 billion dollar lotto in the US).  Because of one very simple little fact: money doesn’t change who you are.  In larger amounts it just more obvious to see your personality based on your spending.  So if before you have a windfall you can’t keep track of your spending and suck at understanding you taxes, then afterwards it will be the same.  Just you will buy bigger things and not keep track of them and get even more confused on your taxes.  The shift just may be more obvious with a sudden windfall of money.  Feel free to search out a few documentaries on this fact, they tend to be rather interesting to see how someone can blow through several million dollars in less than five years.

Saving to retire early is a very similar process, it just takes longer to have it happen and smaller amounts.  So before having a lot of savings, I tended to value quality items and not buy cheap things that break easily.  I also tended to keep things until they actually break or can no longer be used.  And now with over $400,000 in investments, I tend to buy things that last and avoid cheap crap that breaks easily. And despite it all I still tend to save money, even when I really don’t have to it.  For example, most of the time I don’t spend all my spending cash in a month.  Savings is a habit with me that I fully expect not to really break even when I don’t have to do it anymore. Why? Because something always comes up…good or bad and the cash is usually handy to have at that point.

This isn’t to say you never change, because saving for retirement has changed me. Just not my core values and beliefs in life.  Rather I just seem to become more of myself as I get older and have more saved.  I dislike kissing ass to people in charge and I even dislike it more when I’m in charge of something.  Now I just be honest with people and tend to push the edge of what would be socially acceptable when someone is trying to make themselves look good or be impressive.  I’m not mean about it, but I just won’t put up with it. Or the fact, I tend to judge people less for their spending choices now.  I get some people REALLY value that annual trip to Mexico, so if that is what they love so be it.  I just personally don’t have that much interest in it (or more precisely I don’t get going to the same location every time).  People just value different things and that is okay.

In the end, you can get everything you want in life and be happy or miserable because the money or things really don’t matter too much.  It’s what’s going on in your head that matters the most.  So yes, please save something for your retirement, but more importantly ask yourself what exactly you plan to do with it.  Start a business that you had in your head for years with no pressure of making a profit.  Or perhaps learning some skills you never had time for.  In short, you need a why…why am I doing this…without that it’s just a big old pile of money.

Learning About Yourself

Posted by Tim Stobbs on November 24, 2014

So far this month I’ve written more than I ever thought possible in a single month.  I’m currently at ~39,000 words on my novel.  Which for those that are curious that would be about 156 pages or 78 blog posts.  I really do think I will hit the 50,000 word goal by Nov 30.

Yet while finishing the first draft of my novel is a good thing to achieve from all this time I’ve been putting in, I’ve also learned more about myself than I thought possible.

When I started this challenge this month, I had this idea in my head of what kind of writer that I am.  I needed quiet to write, I needed to not be too tired, and I needed to somewhat interested in what I was writing.  I also thought I was a writer that worked best with a bit of plot developed and then make up the rest as I go.  I also tended to to write from the start to the end.

Now I have learned all of that was excuses.  Excusing to prevent myself from writing, excuses on how I thought I worked.  Now I know I can write just about anywhere at anytime in any mood including 10:30pm, when exhausted, with music blasting away in my ears with a scene I couldn’t care less about.

I also learned that it is ok to make stuff up as you go. Tangents are fine.  You may not use it, but it may turn into an important scene in the book.  But the most important lesson that I’ve learned as a writer is this: writing is not editing and vice versa.

For years I would read what I had previously written and edit instead of writing. Thus never actually finishing the book and editing the first chapter like seven times over.  Now I’ve finally learned to just shut down that part of my brain and just focus on writing for a while.  So it doesn’t matter if I have plot paradox (fix it later), different character hair colour (fix it later), change the family tree (fix it later), really crappy pacing (fix it later)…end of the world on the wrong day of the week (fix it later).

So yes I’ll have a tonne of editing work to do at the end of this month, but that’s ok because that is editing…not writing.

The other things I’ve learned about myself are:

  • I do very well with bar charts and daily writing goals to get something done.  Yes the pace of 1667 words a day is a bit high to do all the time, but ~1000 words are more reasonable.
  • I do well with some kind of writing support.  Just someone to talk to about it and help keep myself sane during the process.
  • Writing 2000 words is hard, but 200 is easy.  So I tend to write in little blocks of 200 words or so.  Then I do another 200…until you end up at 2000.
  • Just how much damn time I was wasting at month because of movies and Netflix…it’s mind blowing when I gave those up for the month to do this.

So of course I realized that if a person can write 1000 words a day 8o% of the time you can write 292,000 words a year…or one novel, one non-fiction book, a blog three times a week and a collection of short stories.  ALL of them in one year even with a full time job (granted they might not been edited yet, but you get the idea).

Yet the best thing of all about this month was this…for the first time in my adult life I feel utter no guilt about my writing.  I used to have a constant feeling in my mind that I should be working on writing, but not do it.  This month I haven’t felt that at all and it is the best feeling in the world.

In the end, I now know I don’t have to save $500,000 to be a writer.  I can do that today and right now but just writing…shockingly obvious I know, but I can say I really didn’t fully understand that until this month.

So what have you done that taught you a lot about yourself?  Did it change your view of the world?  If so, how?

The Afforable Home Upgrades

Posted by Tim Stobbs on August 18, 2014

Sorry for the lack of posts last week I’ve been up to my eyeballs in projects around the house.  The major one is my wife’s long awaited cork flooring has arrived so I was doing a small test run on installing it in the front entry.  That way I’m ready for the much bigger project of installing the cork floor in her kitchen.  We also decided to buy enough material to do the same flooring in the back hallway and laundry room.  So while the material wasn’t that cheap ~$1900, it will cover a large area so it should make the house a fair bit more enjoyable once I finish all the installs.  Here is what it looks like so far.

Cork in Front Entry

Yet that wasn’t the only project I was working on.  The other project was completed in a single day for a cost of a mere $155, which is the main subject of this post.  It consisted of rescuing our backyard plant bed from the weeds and putting down two yards of mulch to suppress the weeds from coming back.  I recently learned I previous wasn’t putting down the mulch thick enough to do a good job of weed suppression.  I last time put down perhaps two inches of mulch when in fact 4 or more inches is required.  I learned the hard way on that one here is the before and afterwards pics.

Before

Before

After

After

But that project was the perfect example that home improvement doesn’t in fact have to be expensive.  Unfortunately due to media brainwashing everyone tend to think of major improvement like redoing a kitchen when in fact there are a entire class of projects that can make a home more enjoyable which can be done on a limited budget.  The trick to find something that largely requires time to complete it, but you have the skills to do the work yourself and the material costs are low.

So as I already mentioned, mulch is a damn cheap material to work with. So it can be used under trees, in beds to keep down weeds and also look a bit nice looking.  Other bulk materials like crusher dust can be used to create pathways or support patios and if you order is bulk is again fairly affordable.  Also ask friends and neighbours about splitting perennial that already exist in their yards like iris or day lilies. You can often create a nice bed of plants with a bit of labour and some patience.

Inside the house your best friend in the world is paint.  Per can it might be expensive (DO NOT CHEAP OUT ON PAINT YOU WILL REGRET IT – trust me I learned that also the hard way), but your coverage is fairly huge and it can make a big impact on a home.  This is by far the most common reno we do after buying a new property as we can often get a room done in a regular weekend.  Or if you can secure some help for a week it is possible to paint an entire small house in just a week.

Other project that can be affordable include change out light fixtures (as long as you don’t shop for a new chandelier), flooring projects (if you choose an affordable option and keep to a smaller area) and most projects that involve fabric if you know how to sew (new pillow covers or curtains).  Then if you are open to shopping around a bit you can also snag some excellent deals on materials, it just helps to have an open mind and not being bothered by buying other people’s leftovers.  I once got a great deal on oak hardwood just because the people in question decided to sell their house instead of finishing the flooring project they had started.

So in the end, don’t think you need to spend $20,000 to do a reno project to your house.  In fact, you can like make your house a lot nicer for a fraction of that cost as long as you don’t mind doing the work yourself.  Since I like learning new skills I rather enjoy that sort of thing myself.

What was your lowest cost project in your house?  Any other ideas on affordable renos?