Sowing Seeds, Sinking Funds & 6AM

basil seedlings

Sowing Seeds

The last few weeks I’ve been sowing seeds. Both inside and outdoors. So far nothing has sprouted outdoors in the pots on the balcony, so I’ve tried a second set of seeds. Indoors the basil made an appearance! In a few weeks it will go outdoors. I’m looking forward to fresh basil this summer and maybe I’ll try some basil lemonade!

Sinking Funds

Since my federal student loans were forgiven last year, I’ve been super focused on my finances. Not having that debt feels like a second lease on life. I’ve made progress eliminating more debt and increasing my savings and investments. Before it all felt kind of pointless. Now I feel so much better and I’m enjoying learning more about personal finance.

I’ve set up different savings accounts to pay for things that I will need in the future, but didn’t realize that there was a name for them until recently. They’re called sinking funds. I have them set up, so that every week, money is automatically pulled from my main checking account and funneled into these different savings accounts.

One of the sinking funds that I’ve set up is for dental expenses. I don’t have dental insurance, so I pay for everything out of pocket. It really gets pricey, but it’s predictable. I don’t want to charge these expenses and end up paying interest on them. Which is what I was doing before. Not a good move.

For the longest time, I have been putting off getting a crown. I finally had it done! Since I had been saving for it, I was able to charge it, then pay it off right away. I got the points, but no interest! Since teeth cleanings and x-rays are predictable expenses, there’s no good reason not to prepare for them in advance.

6:00 AM

This week is going to be a busy one and the weather is going to be nice. It’s easier for me to get up early when it’s sunny and warm. So this seems like a good week to try getting up every day at 6am. I usually get up around 7:30am, so this is much earlier for me. It’s another lifestyle experiment, so I’ll see how it goes.

Hope you have a good week!

Quincy Community Electricity

electricity towers

A few weeks ago, my mom and I both received letters in the mail about Quincy Community Electricity.

I briefly looked at them, but didn’t pay too much attention. My mom was finally home after a horrible cycle of falling, being hospitalized and staying at nursing rehabilitation facilities for several months. I stayed with her for a couple of weeks to get her back in the swing of things again.

She had several medication changes and we both were doing our best to get things right for her. Her health and independence were the focus for both of us.

Then I happened to notice that the letters we received required us to opt-out of the new Quincy electricity program or we would be automatically enrolled. That was news to us!

After reading a bit more about the program on the city of Quincy’s website, it seems that the changes won’t be as big as I thought initially. Dynegy will become Quincy’s retail electricity supplier, but the rest will remain the same.

“Participation in Quincy Community Electricity will only change the “Supply” portion of your National Grid electricity bill. National Grid will continue to manage electricity billing, maintain poles and wires, and respond to storm outages. Customers using budget billing or receiving low-income rate discounts will continue to receive those discounts without interruption.”

Both my mom and I were very concerned about repairs after power outages. Apparently that won’t change. At first, we were both hesitant about being part of the program. But now, I’m reconsidering. Maybe we should try it.

However, I wonder how many people have noticed that they have to opt-out. Will many Quincy residents be surprised when the new program starts in June? Or maybe the changes won’t be significant enough for most people to notice. It will be interesting to see how this new program fares.

Almost 18 Years Blogging

In human years, turning 18 is a big deal. In blog years, it’s a bit special too.

Tomorrow on April 29th, it will be 18 years to the day that I started blogging. I’ve written before about how so much has changed with blogging. Is it an ancient relic at this point? Video is the focus now.

Back in 2006, there wasn’t any social media. We hadn’t been through a pandemic. The world is so different. I’m so different.

Usually, I would choose a new word for the year on the 29th. I also always posted on the exact day. This year, I don’t feel called to pick a word for the year. And I’m posting a day before. Keeping with my weekly Sunday posts.

So no big fête. 18 years is marked and noted. Hooray!