A Money Coach in Canada

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CRAPOLA! Beware the Ides of March indeed!

I popped a hard candy in my mouth yesterday at work and instantly seemed to have two instead, but one was not candy, it was my tooth! My molar no less, and most of it.

“That’s OK,” I thought. “Thank goodness for my dental coverage.”
HA!

As it turns out my best option – an implant – is not covered at all.

Price tag? $4500.00

Let’s see.

That’s one totally awesome vacation, or two really nice ones.

That’s a gym membership, a personal chef, and a really great wardrobe for a year or more.

That’s A DOWN PAYMENT ON A HOUSE in many areas of Canada.

oh.  And have I told you about the past few months of UNEXPECTED EXPENSES?  (I have, but let me rant again) “MY! What a quarter I’ve had! 2 months without a tenant followed by Christmas and travel, plus purchasing a new fridge and a new macbook plus a $700 vet bill plus $600 in semi-annual property taxes due plus helping out someone who needed a serious chunk of change plus the deposit on some renos LEAVES A GIRL BROKE for a bit, even if she is a money coach who sets aside funds for these sorts of things.”

I’ll make it of course.  But my emergency fund will take a body blow.  And it stings to have to spend all that money on something like a tooth in the back of my mouth.   And I’ll have to re-think a few things I’d looked forward to over the coming year.

Readers – have you ever had a dental bill with that price tag?  How did you manage it?

Photo credit: jcolman

When I was a kid, my family said a quick grace before every.single.meal – oatmeal breakfasts before kindergarten included. These became (regrettably) perfunctory and rushed over the years but we kept up the tradition.

As an adult the habit fairly quickly faded away. In fact, I’m starting to feel uncomfortable with the extent to which I don’t take even a nano-second to take note of the fact that I am engaging in a primal, life-sustaining activity which often required the death of another being. Meals for me have more often than not become woeful in their slap-dash, toss on a plate and eat obliviously while I surf the ‘net or watch TV manner. Or my inhale as I’m walking around getting ready for work in the morning manner. Meal eating has become a purely functional affair.

I don’t think this is good. I don’t think this is good at all. In fact, I think it’s grim. It is anti-contentment.
And assuming (?) I’m in good company with my culture in this, it’s no wonder we are so obsessed with weight loss, and even obsessed with calories, yet out of touch with our own eating habits. In government-speak, perhaps we need a framework for how to approach our meals!

I’m not quite ready to go slow-food. But over lent, and hopefully beyond, I am going to start a new praxis of contentment: I am going to pause for at least 3 seconds before every single meal. Will I always Give Thanks per se? Perhaps, and I probably should. But at a minimum I will take a couple deep breaths, and attend to the fact that I am about to participate in a profound act of being human and participating in the food chain.

Readers – what about you? Did you say grace when you were growing up? Do you now? Do you engage in any quasi-ceremonial act before eating or like me, do you just dive in?

ps: after writing this, I found this gorgeous post How to Eat Like An Italian via twitter. #5 – perfect tip for me!

Photo Credit: Wiedmaier

Telus customers can donate by texting in the following ways:
• Text “QUAKE” to 45678 to donate $10 to The Salvation Army in Canada
• Text “ASIA” to 30333 to donate $5 to The Canadian Red Cross Society
• Text “GIVE” to 45678 to donate $5 to UNICEF

Anyone can donate to Red Cross by texting ASIA to 30333 to donate $5 from your account to the canadian red cross’ tsunami relief efforts. (Rogers, Telus, Virgin, Bell customers)

Photo credit by Lost in Japan

GAH!

See this unsightly, unseemly pile? This pile, friends, this pile has been with me since I moved up here from Vancouver 2 years ago. I kept it out of sight / out of mind in the back of some shelving which worked until The Renovations (more another time on that) started this week. Nobody tells you to Beware the Resurfacing Piles when renovating, do they.

It’s time for me to deal with it, and deal with it I shall. There’s nothing crucial or time sensitive (or if there is, I’d better hang up my hat) but it’s a bunch of money-related its and bits I need to toss or sort and file. I reckon it will take 90 minutes. So, every day when I return from work, it’s straight to this pile for 15 minutes until it is all properly sorted.

Now don’t go all harshing on me for this epic failure. I bet several of YOU have a pile somewhere of financial papers that are in a similar state of disarray. Care to join me in ‘fessing up and dealing with it? And we can lift a glass to one another next weekend when we’re done?

Well this is a juicy week!

Canada is about to get its first plastic money.

Lululemon’s founder, Chip Wilson (I’ve met him a coupla times. Good guy but I’m so not a Lululemon person. No yummy-mummy, me! But I digress.).. Chip Wilson is now a billionaire

Angry Birds (I’m stuck at level 4-2. Where are you?) developers have raised $42M in seed (ha ha) money.

Public Servants probably need to shell out more from their paycheques to fund their future pensions.

and the UK holds their bank rate to 0.5%

PhotoCredit: Brian.Ch