11.05.2024
Travel Planning: Getting The Most Out of Google Flights
11.04.2024
Money Monday: Easy Ways to Save or Make Money
You know I like a good bargain just like the rest of you, and I am frugal to a fault in some people's eyes. However, I don't think that I give up quality in many cases, and I do prioritize quality in others. For example, I don't need to pay an extra $50 for a hotel with free breakfast when I would rather hit the streets and buy breakfast along the way or have a snack of peanut butter and a bagel in my room. Or, I don't need to eat three meals out when traveling, when I can just as easily eat a bagel and peanut butter in my room and then splurge on lunch. I guess the key is that you have to be willing to eat a bagel and peanut butter! Here are a few other ways to save without sacrificing happiness.
Be aware. This is the number one thing in my opinion. This kind of goes along with culling your subscriptions, which I talk about below, but I think that you should take a look at what you are spending each month or quarter or year and then change what needs to be changed. Even if you think that nothing needs to be changed, I think it is important to know what you are spending your money on instead of just letting it all go out the door without thinking. This is easy enough as a lot of our banks will let us add external accounts so we can track our spending, but I use Fidelity's Full View. This is free for customers, and if you are not already a customer, you can open a cash management account, which is what I did.
Open a high interest savings account. The reason I opened a cash management account at Fidelity is twofold. First, they reimburse all ATM fees, so when you are traveling abroad or are going to be in small towns where you may not find your regular bank, you can withdraw money with ease. I rarely withdraw cash, but when I do, it is nice to just be able to get out a little bit and not worry about the $9+ fees that my brick and mortar bank sometimes charges me each time. I was often getting out more (too much) cash because I did not want to go back again for another withdrawal.
The second reason I did this is also due to their high interest rate. You can either leave your funds in cash, which will get you about 2.44% as of the time of this writing, or you can buy a money market fund, which is currently yielding about 4.50%. If you have money sitting in a checking or regular savings account, I highly suggest you move some of it to a higher yielding account. If you don't like Fidelity, there are also high yield savings accounts online like Marcus or Citizens which also will give you a better rate (FYI: currently my main brick and mortar bank checking account has 0% and my savings has about 0.03%, vs. the high yield accounts, which are around 4.0% - 4.5%.) It literally takes two minutes to open and maybe one or two days to transfer the funds over to a new account.
Change your phone plan. People, we are past the era where we need to be paying $75 or $80 per month for a cell phone plan. There are so many plans out there now that are cheaper, and they are not worse quality! I personally have Google Fi (this is not a sponsored post, but if you click this link, you can get $60 off) and I have had it for years now and I do not miss my expensive AT&T plan! I was paying $80 per month, and now I pay about $80 for myself and two other people. Before I added the family members, my bill was about $30/month. Google Fi also triangulates between T-Mobile and US Cellular, so it will pick up the one that has the best service and use that. Also, it works internationally with little to no extra charge. When we traveled to Mexico, a friend of mine who had Verizon paid $10 a day to have international roaming, therefore adding about $100 to his bill that month. I paid NOTHING.
I don't know all about the other plans, but I think Mint Mobile has a deal for $15 a month with unlimited data. Also, the All The Hacks podcast did a more thorough review of all of them if you want to learn more. However, the bottom line is that you pay per GB if you don't use a lot of data, or you can get unlimited data if you need it. Most of us are at home or work most of the day, where we have WiFi, and when that is the case, you do not use any data. I use less than 1GB of data every month.
After reading this post by CCR, I am adding an addition to this in that if you are traveling internationally, even if you have the expensive Verizon plan, you do not need to pay the $10 per day international fee. Most newer phones now support e-SIM cards, which means that all you need to do is download an app (I use Airalo and if you use my referral code KYRIA0085, you will get $3 off your first purchase). From home you can load up some GB of data and then as soon as you step off the plane, your data will work. Easy-peasy. If you have an older phone, you can also get a real SIM card at most airports or city centers. You can then download things like maps, podcasts and audiobooks so that they can be used offline, use any streaming while in WiFi land and you will barely use any data on the road.
Speaking of referral codes. Before buying most things or signing up for anything, I check Reddit to see if there is anyone offering a voucher or a referral code for it. (I also use cash back apps, which I will discuss in a future MM post). A lot of the time, you will get a discount and probably the person referring you will get something too. Sometimes it can be as high as $60 off, like my Google Fi code, or sometimes it is a % off, or a discount on your first purchase, like Airalo. And I am sure you yourself have referral codes for things you use; you can post them on this site and if someone clicks on it, you may get a bonus too. I have received statement credits on my Google Fi account of $600 (the max allowed) by doing this! You can find my referral codes on my travel tips and hacks page if you are interested in getting a discount or giving me some extra points for something you were going to get anyway. :)
Cull your subscriptions, or alternate them. I know that it is easy to just set it and forget it, but do we really need to have four or five different streaming subscriptions at the same time? What if you make a list of which shows you like on each platform and then alternate one every two or three months? This does require a little organization, but it is worth it. Also, see above; maybe your library app has the show you like! Also, often the channel itself will show the show for free; for example, ABC has the option to watch past seasons of Grey's Anatomy right on the ABC website for free. And who doesn't love Grey's Anatomy?
Additionally, things like Amazon subscriptions can pile up (hello TP and cat food, I am looking at you!) and so it is worth reviewing them every quarter to see if you really need more of the items on your list. I make a point to review my credit card purchases every month to see if there is anything out of whack, but if you don't have time for that, I think at least once a quarter is a good idea. Even if it is something like a credit card fee on a card that you meant to cancel, you can call them and often get it removed retroactively. And...if even once a quarter is too much, there are apps like Rocket Money or Pocket Guard that will do the work for you, and will even suggest or negotiate better deals for things like your cable or phone bill. (disclaimer: I have not tried either of these apps myself)
During NoBloPoMo, this will be a once a week feature, so stay tuned for next time, when I talk about credit card hacking! Also, if there is something you want to learn about, or any questions you have, let me know!
Do you keep track of your spending? If so, what tips do you have? What phone plan do you have, how much data (non WiFi) do you use each month, and how much do you pay per month? Do you have a high yield savings account?
This post is part of NaBloPoMo. You can find the rest of my posts for this challenge here. You can find the list of participants and their information here.
11.03.2024
This Is The Story of My Life
Mumsy, several years later |
Lucky we had winters free! |
The social introvert strikes again: making friends at the cricket in Adelaide, Australia. |
Donner Lake, Marin Headlands, Dolomites, Wind River Range, Tetons, Redwood Park (Oakland) |
Marshall Beach, Golden Gate Bridge and Marin Headlands |
11.02.2024
Giving NaBloPoMo a Go
Wednesday: What I Learned
11.01.2024
The Cool Bloggers Walking Club
Elisabeth asked everyone to join her on an October challenge: to walk at least 10 minutes every day in October. Obviously, I am on board with that, and surprisingly, it is sometimes hard to get any walking in when I am on the bike all day. I often do walk to the grocery store, and usually that is at least a half a mile each way, so I do get some steps in, but my average per day is a lot lower than it was when I was at home, that is for sure! My goal was to get 10,000 steps on a non biking day, and do at least 10 minutes on a biking day.
So as not to bore you with a bunch of photos of me walking to the grocery store, I tried to get out to a few more places, and thought I would post a few of my favorites here. Huge thanks to Elisabeth for not only keeping us accountable, but for hosting me in October, and showing me a lot of her favorite walking places, some of which you will see below!
October 1st - October 9th: Laval and Montreal, Quebec
October 10th - October 13th: Quebec, including Quebec City
1. Church - Champlain 2. Rue St. Louis - Quebec City 3. Rue St. Louis - Quebec City 4. Jacques-Cartier Beach Park - Quebec City 5. St. Lawrence River 6. The Umbrella Street - Quebec City |
October 14th - October 23rd: Nova Scotia
1. Peggy's Cove 2. Grand-Pré 3. Cape Split 4. Reservoir 5. Annapolis Valley Trail 6. Walking the kids to school |
October 24th: Vancouver
No photos but I did walk about two miles to get groceries and pho with a friend!
October 25th - October 26th: Bellingham, WA
1. Whatcom Museum 2. Sacred Heart, Fairhaven 3. Puget Sound 4. South Bay Trail 5. Fairhaven Village 6. Bellingham sign (the small print says: Olde City of Subdued Excitement) |
October 27th - October 31st: Burlington, WA
1. Fairhaven St. 2. Walking around town 3. Fairhaven St. 4. Welcome! 5. Train Wreck Bar and Grill 6. Welcome sign |
I know you are wondering if I achieved my goal of 10,000 steps (about five miles) or 10 minutes every day (about a half mile). I was on the bike 11 days out of 31, which would mean I would need to get about 105 miles, or an average of about 3.4 miles per day in October to reach my goal.
Well, I did achieve it! Some days, it was surprisingly easy, like in Montreal or Bellingham, where I sometimes walked 8-10 miles (of course, on these days my destination was often food related, so I may be a net positive when it comes to calories) or when I had a buddy like Elisabeth to keep me moving. However, some days it was surprisingly hard, like on travel days, rainy days, or on long cycling days when I just wanted to rest!
Here are the stats:
Total walking/hiking activities: 46
Total distance: 112.69 miles
Total elevation gain: 9,703 feet
Average per day (31): 3.63 miles / 313 feet of gain
I call that a win!
Did you participate in the walking challenge? Either way, what was the most interesting place you walked in October?
This post is part of NaBloPoMo. You can find the rest of my posts for this challenge here. You can find the list of participants and their information here.
10.28.2024
The Social Introvert
Mr. Coffee; he kept me going during the race! (this photo is about 30 miles from the finish) |
My theme: same shirt, different day! |
Walking the kids to school |
My mouth is open because it is so windy! |
It's like being on Mars. |
10.21.2024
TGIM
10.14.2024
Where Do You Keep That?
Happy Thanksgiving to all of my Canadian friends!
P.S. I made this using AI. I know! I am addicted. |
After seeing a lot of people (see some examples here for Stephany, Engie and Elisabeth) post about where they keep things in their house, I thought it would be fun to do this too! However, as you know, I sold my house and got rid of all of my things, and so most of the things on the list I no longer own or keep anywhere! However, here is the original* list, which before I sold my house, I could sum up into four main places: Did not own, kitchen junk drawer, bathroom drawer and garage. (*from Engie)
Kleenex | Medicine | Band-Aids | Heating pad | Nail polish | Winter hats/gloves/accessories | Scissors | Tweezers | Slow cooker/air fryer | Dirty towels | Tape measure | Gifts bags/tissue paper/wrapping paper | Library books | Bookmarks | Pens | Suitcases | Water bottles | Dog leash | Jewelry
Did not own: Kleenex | Heating pad | Nail polish | Library books | Bookmarks | Dog leash
In kitchen junk drawer: Scissors | Tape measure | Pens
In bathroom drawer: Medicine | Band-Aids | Tweezers | Jewelry
In tote in garage/in garage: Winter hats/gloves/accessories | Gifts bags/tissue paper/wrapping paper | Suitcases
The only things that could not be summed up was the slow cooker/air fryer, which was an InstantPot and was in the cupboard above the fridge, dirty towels which kind of seems like a strange category because....the laundry basket...and water bottles, which were in the cupboard with the cups/glasses.
Fritos for later |
Cook kit: stove, gas, pot, lighter. Not shown: spork and Swiss army knife |
Cherries? Yes please! |
Toiletries: no tweezers or scissors here! |
All packed up! |
Same shi(r)t, different day!! |
10.07.2024
By The Numbers: June - September
El Malpais National Monument, NM |
Total Days on the Road: 191
June: $2,410 (50% MT/ID/WY, USA, 50% BC/Alberta, Canada)
Double scoop of mint! |
Marquette Bay |
Lake Huron at Blind River |
Foie! |
10.04.2024
Books, The Library and Notes on Life
Ask AI: Speaking of the above...I know, you are wondering what AI has to do with it. However, I have found that if there is a really long article that I am struggling to get through, I will ask AI to summarize it. You can even do this with a blog post. For fun, I used one of Engie's book posts including comments and asked AI to summarize it for me. Here is an excerpt from the answer. It was given to me in bullet form, but I have condensed it into a paragraph.
Understanding Social Security retirement benefits is crucial for effective retirement planning. To qualify, you need 40 credits, typically earned over 10 years of work. Your benefits are based on your Averaged Indexed Monthly Earnings (AIME) over your highest 35 years of income, which determines your Primary Insurance Amount (PIA) — the monthly benefit at your Normal Retirement Age (NRA). You can start collecting benefits as early as age 62, though payments will be reduced, or delay until age 70 for higher benefits. Tools can help simulate different filing scenarios to optimize your decision.