financial challenges

Morning kitties, funny skunk and good news!

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When I headed out to feed the outside cats last night, it was chilly enough that I actually plugged in one of the heat lamps and turned it on!

I had taken the new cat cave outside to wash out the cushion, leaving them outside to dry.

It rained last night.

I had to find other places to set them to dry, but between the cooler temperatures and the humidity, it’s taking a long time!

We have been slowly washing various outside cat beds and blankets as we’re able, but sometimes, they’re just not available.

With the cat cave – their usual favourite spot – unavailable last night, these kittens took up the beds inside the water bowl shelter, instead. I checked inside the cat house, which has three cat beds in it, and only saw one kitten in there. I actually thought it might have been another loss, but when I tried to poke around the carpet strips over the entry, it moved, so it was just napping. *phew*

Today we decided to do my husband’s birthday take out, and his choice was our favourite Chinese food place. He actually would have preferred pizza, but his lactose intolerance has been getting pretty bad. So this afternoon, after checking to make sure they were open today, my daughter and I headed into town.

Sir Robin and Eyelet followed me to the truck and would NOT leave! My daughter came back from opening the gate and tried to shoo them away, only for Eyelet to go under the truck, while I was in it, getting ready to back out! She stopped me and started looking for him, and found him grooming himself – directly behind a tire! Eyelet is deaf, which makes it more challenging. By the time I could safely back out, she had both of them, one under each arm!

We really, really need to find a home for Eyelet, if he’s going to survive!

Once in town, we first stopped at the restaurant to place our order (and pick up an up to date take out menu), letting them know we’d be at least half an hour before coming back to pick it up. Then we went to the grocery store to pick up some other celebratory things, including lactose free ice cream for my husband. My daughter are also lactose intolerant, but they are good with using the digestive enzymes for that.

That done, we got the food – we ordered enough to feed us for a couple of days, at least! – then headed home. Once home, my daughters took care of putting things away and getting everything ready while I popped outside to feed the yard cats early.

As I came out the Old Kitchen into the sun room, I disturbed a big skunk.

This skunk has been a regular since it was little, and it would always hide under the counter shelf, instead of running out the door.

It is no longer little.

It still thinks it can fit under the counter shelf.

After much scrambling and flattening of its butt, it finally squeezed itself under the shelf.

Almost.

What a silly stinky kitty!

That done, we settled in for our celebratory take out. We’ll be doing cake and ice cream later, though maybe after the girls and I have gone out to cover garden beds for the night.

We did get interrupted with a phone call, though.

A happy interruption.

It was the company that’s replacing our front door for us. He’d emailed me while I was in town and I hadn’t checked my email yet, so he called. It turns out the installers can come out here tomorrow morning, and he wanted to know if that worked for us.

We’ll make it work!!!!

So another task for today is to find a way of barricade the entry, so no cats will get out while there is no door at all!

Hopefully, there will be no issues with the stucco and they won’t find anything bizarre when they remove the old, cracked frame.

It will be so good to have a solid door there again! Bonus if they can put the storm door back on again, too.

It will be so good to have a winter with no frost on the bottom of the door. On a really cold year, the frost would be up to the bottom hinge on one side, too.

It’s also going to be a major financial hit. When we had to remove the old door because it wouldn’t close anymore, and I mentioned it to my mother, she had told me to let her know how much it would be, hinting that she would help pay for it. Because God has been so good to her and she had the money (she does, thanks to my brother taking care of her finances for her; God has blessed her with an amazing son!). When I did find out what it would cost, and we made the down payment, I did end up telling her how much we still needed to pay. Only because she was asking about related things. When she heard there was still another $2700. When she heard that, she scoffed and basically accused them of cheating or something, because there was no way it was that expensive. I told her, my brother had replaced a door on their house (on the property that they sold, almost a year ago now), it was the same type of door, he didn’t replace the frame, and he did the work himself, and it still cost them over $2000. I didn’t even bother mentioning that prices have gone up since then. She refused to believe me. So… unless my brother talks to her or something (he’s already paying for so many other things here, they’re in no position to pay for this, too), there won’t be any help from her end.

And we will still have almost $750 we’ll need to pay for our insurance claim repairs on the truck, at the end of September – and that’s after the autobody company went out of their way to reduce the cost to us as much as they could. We’ve got a $500 deductible, and the rest is the “betterment” cost to replace the box cover.

So many years, we managed to stay debt free, and then everything just went nuts in the past year. *sigh* It wouldn’t be so bad, if we didn’t have the truck payments. They got the cost down as much as they could, but it was still more than our budget could handle. Add in how expensive everything is getting, and it just keeps getting worse. I could literally go into town and get myself a job within the week (not that I would want to do that over the winter) but anything I made would just be deducted from my husband’s disability payments, and put his health insurance at risk.

Well, we’ll figure it out.

Adopting out a dozen or so cats, inside and out, would help! 😄

The Re-Farmer

Monthly stocking up: this is what $694 looks like

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With several things going on, today’s trip to the city was supposed to be for a small stock up trip, with the larger one happening when main pay comes in, on the last business day of the month. Our schedule has changed a bit, so I will be able to do that on the Friday, and we will be visiting our friend that’s back in Canada on the weekend, instead.

This really was a small shopping trip. This is the Costco portion.

I had the cat supplies put in a separate bill again.

Last month, I got only the 11.6kg Whiskas kibble, which have gone up in price by 10¢. The Kirkland brand, however, was $27.99 the last time I got it, so it’s actually down by 30¢ per 9kg bag. The puppy pads did not change in price since I last bought them. The case of wet cat food was $37.89 last month, so it’s gone up by $1.10.

Since I only got 4 bags of dry kibble, and 1 case of canned cat food, along with the puppy pads, the grand total for cat supplies at Costco was “only” $218.34

As for stuff for ourselves, there were quite a few things on my list that I skipped for this trip.

Today, we needed both AA and AAA batteries, as well as toilet paper. Other paper products got skipped on this trip. We got a double flat of eggs (5 dozen), 5 pounds of butter, cheddar and mozzarella cheese, cream cheese, frozen pierogi, ground beef (we’re out of ground beef from the quarter beef we got in January), ribs and a pork blade for meats. I was going to get a package of bacon, until I saw the price. We got a case of pasta, as well as a big pack of Raman type noodles. I got two packages of tortilla warps and two double packs of sliced French bread this time, instead of the usual rye, and a bag of Basmati rice. Extras included a box of Sweet and Salty granola bars – something we haven’t bought in a very long time, but it was on sale today – plus a tray of sushi and a lasagna for us to enjoy after we unloaded and put everything away. They had a fundraiser going on for the Children’s Hospital, and I added a donation as well, but only after making sure they weren’t going to do the stupid bell ringing and cheering thing. Good grief, that’s something that would actually stop me from donating! *shudder*

So the non-cat supply total at Costco was $424.04

The store was so busy, I never made it to the pharmacy section, so after I filled the tank (I’ll give the gas total, later), I went to a nearby Walmart. This one is a LOT bigger than the one I usually go to, and is a very different layout, so that took a bit longer than usual. I was in no hurry, though. This was the Walmart portion of the trip.

I’m not counting the stuff I picked up for the girls, since I will be paid back for that. While there, though, I did get more cat supplies.

Yes, I got more puppy pads. The Costco ones are 30″ x 23″ which, for some areas we use them in, is a bit small. The Walmart house brand ones are more expensive, but they are 30″ x 36″

I also got a box of pet odor eliminator powder for the carpet in my room, plus an odor and stain removing spray.

Yes, we have issues. Mostly, it’s Finnegan, spraying. We just can’t get him to stop!! Discovering he was spraying a corner of vintage dresser that was my father’s was the most disturbing. We almost lost a cat, at that point. I’ve actually had to put a barrier around that part of the shelf, on top of a puppy pad, then drape another puppy pad over the barrier, to protect it. Then there is the annoying habit of cats that will go right next to a litter box, instead of in it. Even when it’s freshly cleaned!

Last of all, I got a cold drink for the drive home, plus another donation to the Children’s Hospital, which put my total at Walmart at $51.72

Aside from that, I also got gas. I was under half a tank when I headed out, so I stopped at the town my mother lives in and put in $30. The price there was $1.449/L At Costco, however, it was at $1.299/L Filling cost a total of $57.61 As I was driving out, I passed one gas station where I could see a price, and it was at $1.399/L A considerable difference!

So the total for fuel was $87.61. Everything else was $694.10, for a grand total for the day of $781.71

For cat food, that might last us 2 weeks. The next trip, we’ll have to get a lot more, if we want it to last the month!

Once everything was put away and the lasagna was in the oven, I made Cat Soup, using the new Healthy Poops powder instead of the ground pumpkin seeds. The cats were very happy to be getting their cat soup again! It didn’t take them long to get used to getting it, instead of just straight up canned cat food.

As for whether the additives are helping the cats with their… consistency… in the litter box, I do believe it is helping. Peanut Butter Cup was the main concern, since she was Miss Leaky Butt, but that has stopped. She has still been… loud… in the litter box, but it’s getting better. It’ll be a few more days before we can really tell if it has made a difference for all of them, though.

We’ll have to start doubling up on our lysine orders, though, since we are dosing both the inside and outside cats. Or get that 4 pound box for horses I was looking at. Both are purse lysine, so the only difference should be the texture of the powder.

Ah, the things we do for the cats!

[Update: we did the math, and the savings by ordering bulk was significant enough that we just ordered the 4 pound bucket]

Anyhow.

That was our shopping for today. Smaller than our first shop usually is – at least when it includes Costco – yet it was still almost $700. That’s just over half our budget for the month, and we still need to make sure to keep part of the budget aside for when we need to top up with fresh stuff throughout the month.

It’s getting harder and harder, every month, to do that. We are fortunate that my husband’s private insurance disability income is as good as it is. Today’s pay was CPP Disability, and a lot of people have to somehow survive on just that!

As difficult as it is, I am thankful that we are able to do as well as we are, and especially thankful for when we get donations to help out with the kitties. We are in a much better position than so many others. Who would have thought that my husband being on disability, and moving out here, would actually give us better stability than when he was working full time, and we were in the city?? God sure has a way taking a bad thing, and making some good out of it.

The Re-Farmer

So many kittens – inside and out!

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Some of those kittens are definitely cattens now – my term for the teenagers!

I’m happy to see that Brussel’s two super shy kittens are now not only regularly coming to the house, but getting more used to our presence. I was actually able to stand right by the cat house while taking the above photos, and only the orange and white one moved away. Since it then posed for me so nicely, I couldn’t complain!

I just love that face.

I also love that triangle marking over the nose of his sibling!

I’ve been trying to do head counts, and have generally seen anywhere from a dozen to two dozen cats and kittens at a time. Some have simply disappeared. The small orange and white kitten, for example. I haven’t seen it in quite some time, though his ginger brother still hangs out in the sun room a lot. I can’t tell if I’ve seen One Eyed Jack of late, since we have so many tuxedos this year and I don’t usually get a good look at their faces when they’re around.

The inside babies are doing quite well, in general.

The older kittens are great bundles of energy, and the littles sometimes almost manage to keep up. Except the tiniest one. That one is not as healthy. She has gotten used to being handled, though, so this morning I took her to the bathroom and finally gave her eyes a proper wash with warm water. She also had some waste matter stuck at her nether regions. I was able to clean it enough to be sure orifices were not plugged, but couldn’t get it off. It took a fair bit of soaking her nethers in warm water while I washed her eyes, but I was finally able to get it off – and finally confirm that she is a she!

She handled the whole thing rather well, though she did finally tire of the whole thing and try to get away. Ideally, we’d be taking her to the vet to be checked and likely be put on antibiotics, but our vet budget all went to Toni’s amputation, and it’ll be a while before it gets built up again.

As I write this, she and Pom Pom are now curled up with Tweedle Dee on my bed, snoozing.

Speaking of snoozing!

I actually got sleep last night.

That cat nip mix, with the valarian and honeysuckle, seems to have worked!

Yes, they did wake during the night, and they did run around and play for a while before going back to sleep, but they didn’t get the insane and destructive zoomies. Which meant more sleep for me, instead of constantly being awakened by their crashing and banging, or having them stampede over me, etc.

I don’t know if it made a difference with the adult cats or not, since I slept through most of the night (yay!) and my door is still kept closed. They don’t even try to get into my room anymore, which is nice. No more scratchy scratchy! Even Toni has zero interest in coming into the room. She’s more interested in wanting to get outside.

The next vet trip will likely be to get her spayed!

Meanwhile…

Still no sign of the missing ladies that broke out of the house – or that lost dog that’s in our area. Until they find that dog, I think it’s unlikely the ladies will come back here. Too much traffic and commotion. There’s also still no response in regards to adopting the kittens. I will avoid anything to do with that with the Cat Lady for the next while. They’re expecting to be moving soon, with 5 kids, 27 cats and a dog. They’ve got enough on their plates right now!

Hopefully, today, I’ll hear back from the financing company with good news about pre-approval for a vehicle with monthly payments we can actually afford. Pre-approval is no use if we can’t make the payments, even if the banks are crazy enough to think we can pay $800 a month. I mean really. Who can afford payments like that? Especially anyone on a fixed, disability income?

The main thing is for us to get a new-to-us vehicle that is accessible for my husband, before winter. I don’t care about make, model, colour, whatever. We need something that runs reliably, that my husband can get in and out of without hurting himself, and that has room for his walker, as well as our monthly shopping. Especially for the larger, heavier stuff, like the litter pellets and bags of kibble. That alone will save us so much on fuel, since we currently have to make extra trips using my mother’s little car. Still, beggars can’t be choosers. We’ll take whatever our mechanic finds for us. He knows what we need, and will find the best he can for us.

I’m really trying not to get my hopes up on this.

The Re-Farmer

Buy Me a Coffee at ko-fi.com

Some good stuff, and some nope! 😄

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My husband was expecting a parcel at the post office so, before the post office reopened for the afternoon, I called the Chinese food place in town to see if they were open. They were, so I was able to place the order (thanks to my daughter, again!) we’d wanted to place, yesterday.

Also, it turns out they just changed their name. Everything else is the same, but it seems there are two restaurants with the same name in the city, and they were getting calls meant for the city locations, instead. Enough calls to warrant the name change!

My post office trip was an unexpected surprise. My husband’s package wasn’t there, but there was a surprise package for me!

More on that later.

Since I was going to town after the post office, anyway, I took advantage of the trip and refilled a couple of our 5 gallon drinking water jugs – and some energy drinks for my daughter and I.

I should learn to drink coffee. It’s much cheaper than energy drinks. I just don’t like coffee as a beverage, unless it’s so adulterated, it’s more coffee flavour than coffee, and the amount of caffeine in tea just doesn’t cut it for me.

But I digress!

Because ordering take out is such a big deal, when living in the boonies, we tend to order enough to last us for several days, and this was no exception. Plus, when the orders at this place are more than a certain amount, they start adding things like free rice or deep fried won ton chips, so there was even more than we ordered. They were kind enough to provide boxes to make it easier to carry, and I had help carrying them out to the car, too.

Once at home and unloaded, we had ourselves some excellent food – with lots left over! I think it’s been about a year since we last ordered from then, and boy did it hit the spot! What a treat.

After that, I got the parcel that came in the mail – after removing the cat that decided it was her bed – and opened it up. So many amazing things! Thank you, M! You’re a sweetheart!

There were a few things for the garden, including packages of catnip seeds, and seed “eggs” with pollinator seeds in them. There were some toy mice for the kitties, treats and two different bags of catnip, including this herbal mix.

I have not seen this brand since we moved out here, but then, I haven’t been seeing catnip of any kind, except for one small, insanely expensive, bag just a few weeks ago at the local grocery store. I have no idea why there would be an apparent shortage of cat nip in this province. Granted, I haven’t been hunting it down at pet stores, but the pet sections of the stores I do go to used to always have cat nip, and now they just don’t.

The other bag in the care package was the usual catnip and nothing else. This one has valerian, honeysuckle and catmint, too.

So I gave the mix to the cats to try, first! Valerian is supposed to have a calming affect, and we could really use some of that! Especially for the night. 😄

The adult cats sure got excited when I started strewing out some of the cat herbs. Even TTT, who has never had any before, was real interested in it!

The kittens even got some but, while they were all over the packaging when I got it out, they weren’t as interested in it once the herbs were actually available. I even put some right next to Soot Sprite, curled up on their favourite blanket bed, and he just curled back up and went to sleep, surrounded by herbs!

They did eventually discover it and have some, and that calming thing really does seem to be working right now! All but one of the kittens are asleep, which is not unusual for this time of day, but one of them is away, and very laid back while playing with a strip of carboard from off the parcel package.

There were some other lovely things, including treats like Truffle salt – something else I haven’t seen since we moved – and useful things like medical glass droppers. Considering how easily the plastic ones that come with the cat medication break, these will be very handy! There was even a old Canadian cookbook I look forward to going through, and an old book on preserving food that is going to be so handy. Some of the canning recipes may not be considered safe to use anymore, but it also includes other methods of preservation, and I even saw a section on sheds and attics for storing preserved foods!

Oh, that last kitten is now asleep, too. It’s so nice and quiet right now!! Even the adult cats seem to have all quieted down, even though not all of them eat catnip. It might be a good idea to give them some after their evening feeding, instead of the late afternoon, as I did today. We might just get some proper sleep, for a change!

While I was out, the lady from the financing company had tried to call and left some messages, so I called her back.

Ha. That was an amusing call!

First of all, yes, we have been preapproved for financing a car, up to a maximum amount of $22,000 (that’s roughlyUS$16,200 at the current exchange rates). Way higher than anything we’d actually be getting.

This was the funny part.

We were also approved for a maximum of $800 a month in payments.

Nope!!!

That is NOT going to happen!

Yeah, I laughed out loud with that. I told her, if we could make payments like that, we wouldn’t need a loan! She understood.

Here’s the other thing.

This would be for just 1 year, as we rebuild our credit. After a year, they would expect us to either trade in the vehicle, or refinance it.

That’s another nope. I don’t want a temporary vehcile!

Now, I already talked to our mechanic about what we can afford for monthly payments. Whatever upper limit we might be approved for, he would be looking for something for us that we can actually afford the payments on.

I told the lady what we could afford for monthly payments on our budget. We’re on a fixed income, but the cost of living is increasing at insane rates, so we have to take that into account, too. Plus, of course, we’d have the monthly insurance and registration payments, so that adds another $100 a month, give or take, depending on the vehicle. She confirmed that our mechanic knew this, and I told her I’ve been very open with him about what we can manage.

Getting payments that low will not be easy; she was up front about that. However, there is still one more bank she’s waiting to hear from, and she said they would start going at it from a different angle to get us a vehicle on payments we can afford. She assured me, however, that they would get us a vehicle.

Oh, that reminds me. Any vehicle we get can have a maximum 250,000 km on it. The first time we went through this, we were applying for a Caravan, and that company’s limit was 180,000 km. The van we wanted was 1000 km over, so they wouldn’t finance it.

One of the things she asked about was the possibility of a down payment. I told her how much we could potentially put down, but said we would prefer not to, because it’s basically our emergency fund. Which mostly goes to vet bills. I mentioned having a recent cat leg amputation. Yes, my daughters did cover it between them but it still needed to be paid for first, then get replaced later.

She completely understood and told me she found herself with an $1100 vet bill after her dog ate a sock! Sadly, after 6 months, the dog passed away due to complications from the surgery, but she at least got those last 6 months with the dog.

So, yeah; she completely understood the need for a contingency fund!

Anyhow.

She once again promised me that they would find us a vehicle we could afford, and we will likely get another call about it tomorrow.

We shall see how it works out!

Until then, I’m just thankful we at least have my mother’s car to use.

The Re-Farmer

Another step forward, and don’t eat THESE berries!

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First, some adorableness!

When I came out to feed the outside cats this morning, I spotted these three. The tabby was curled up and asleep when I came over. I reached in to pet them, and the other two started purring before I even touched them! I got to pet the tabby while it was asleep, but once it woke up, it would not tolerate pets and ran off – though I did manage to pet him more while he was trying to get out of the bin and onto the shelf above!

As I was finishing my morning rounds, I decided to pick the potato berries from the large volunteer potato plant from last year’s potato patch. The frost has killed the plant off completely, which is interesting, because the potato plants in the grow bags are still undamaged by frost and barely dying off for the end of their growing season.

Potato berries are toxic, but these all should be full of potato seeds. I will do a bit more research on what to do with them, but during one brief search, I read that the seeds need to be fermented, much like tomato seeds. Which makes sense, since they are related.

For now, though, they are tucked away in the cat proof living room.

This morning, my husband had his meet and greet medical appointment with a new doctor. That went better than he expected, and he now officially has a new primary care doctor. The paperwork to transfer his medical files have been signed, and he’ll need to update the pharmacy and disability insurance company.

Some of the medications my husband is on are not at all familiar to her, so she’s going to be doing some research. We will probably do a follow up appointment with her in the near future, if only because some of the blood test results from yesterday are not in yet.

My husband was happy with her. More so than the interim doctor, that’s for sure. I had my issues. The first being, she was the only person I saw all day wearing one of those useless masks. After years of being surrounded by mask nazis, being treated like trash, and having an ever shortening list of places I could go without risk of being physically or verbally assaulted, either by customers or staff, spending so much time around a faceless person is still something that triggers anxiety. That we still have medical professionals, who should know about the mountains of data and research showing how wearing them are more harmful than beneficial, also immediately lowers my opinion of their competency. There were a few other things that came up when I asked questions about medication that are red flags for me, such as her response on my husband being on statins (he should not be on statins) or Ozempic (the side effects can be very… messy), neither of which have actually done anything to improve his health. But, this is a first time visit, and beggars can’t be choosers.

After the appointment, I did ask at the desk about any other doctors taking patients, which my mother in mind. It turns out that no, even this doctor we just saw is already closed to new patients. My husband is basically the last one. Not that I would ever make an appointment with her for my mother. She has a hard enough time with a doctor that is black (and has an accent strong enough to make it difficult for my mother to understand what she’s saying). This doctor may be the “right” colour but, in a passing comment, she mentioned her wife, and that would just be too much for my mother to handle!

The receptionist suggested I ask again in a few months about doctors taking new patients. Which is much the same situation in the other clinic. As much as I’d like to have the same doctor as my husband, since I go to all his appointments, anyhow, I’ll see if I can have the same doctor as my mother for the same reason. It’s just convenient to have the same doctor.

After the appointment, we were going to try and get my husband’s photo ID, since he has no up to date photo ID right now. Unfortunately, there’s a public sector union strike going on right now, so he decided against it. Even if we got the ball rolling locally, who knows when the processing will actually happen. So he decided to skip that – though I think the state of the streets might have had something to do with his decision. They are rougher to drive on than our gravel roads, and his back feels every bump!

Our daughter was a sweetheart and send money for take out. We were going to get Chinese food, but the place was closed today, so we ended up getting a whole lot of fried chicken, instead. It’s good, but we got less food for her money with that. Ah, well. It was still delicoius food that someone else cooked for us!

After we got home, I found a couple of messages from the financing company. I called her back and she told me everything is proceeding well. We have a conditional approval, and there are two banks vying for our file. She will choose the one that gives us the best deal, then negotiate the best contract for us. Meanwhile, we’re at the stage where we have to send in our ID, income confirmation, etc. She had tried to email us already, but the emails bounced back. Turns out she misheard part of mine, and had the wrong language spelling on my husband’s – pretty common problems with our emails, to be honest! 😄

One thing I’ve never heard of before is that they want an “ID selfie”. Basically, a photo of ourselves holding our photo ID next to our face. Which does make sense, with everything being done electronically, but it’s the first time I’ve heard of that being requested.

I mentioned that my husband does not have current photo ID, which may be a problem. He does have his old driver’s license, which is expired, but still a government approved photo ID. He also has his Metis card from when we lived in this province before. That has no expiry date, but I don’t think it counts as government approved. So for him, we got pictures of the fronts and backs of 4 different IDs, when only 2 are needed, plus a picture of him holding both his old photo IDs next to his face. I had to get one of those for myself, too. Then there’s the proof of income, which was his annual letter from the insurance company saying “yes, you’re still disabled, yes, we’re still paying you!” , etc.

So that’s all sent in. Hopefully, it’ll be enough. One bit of info I did include was that the vehicle will be in my name only; with all his medications and pain levels, my husband simply doesn’t drive. Even when he still had his license, he voluntarily stopped driving, long ago. That might also make a difference. It did with a previous company, and my husband’s name was removed from the application completely.

Either way, we’re one step closer to approval, and getting a replacement van.

Which we really, really need. The check engine light on my mother’s car has turned on again, plus I had to pull over at a gas station to top up the air in one tire. It might have a slow leak, and will need to be checked. I did a cursory check, myself, but could see nothing. I’m so paranoid about tires. We’ve had way too many problems with tires, on three different vehicles, over the years!

The Re-Farmer

You, too, Little One! Plus, some vehicle progress?

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I already posted a photo of the new kitten on the block. This is a photo I took, just before I caught it.

The kitten in the back is the one I caught. The puff ball in the front is also on the list for kittens that are so tiny, they need to come indoors.

It is not at all cooperative.

There are two more black kittens with white spots on their chests from this litter (plus a much bigger one from another litter that is more catten then kitten, now). One of them should be fine and is bigger, but the other is staying teeny tiny. I don’t know why there is such a difference in sizes in the same litter, but the littles are at far greater risk, so if we can snag them for indoors, we will.

In other things…

My husband and I headed out fairly early today to get our blood work done. The results should be ready in time for his appointment with a doctor, tomorrow. Hopefully, this is a doctor that will take him on as a new patient. Once of the requirements for his disability income is to be under the care of a doctor, and he doesn’t have one right now.

These were fasting blood tests, so after it was done, we had to go for breakfast. With all the medications my husband is on, he doesn’t feel hunger anymore, but I was at the “getting dizzy and nauseous” stage of hunger. There was one restaurant we’ve been to before that I thought would be open, but it turns out to open just before lunch, not for breakfast, so we stopped at a hotel café not far away. This is one of those places that has been around forever, and where locals go to regularly for breakfast. I haven’t been there in years!

It’s not accessible, though, so my husband had to cane it up the stairs. Once we were there and settled, looking at the menu, I happened to glance across the room and saw a familiar face I hadn’t seen in years! It was an old friend of ours from high school! The last time I saw her was before she’d moved up North to one of the territories! It was really great to run into her like that!

After breakfast, we made a stop at the pharmacy to pick up prescription refills that would normally have been delivered today, then headed home.

My husband told me to go ahead and park in the garage, rather than drive up to the house, once we got home.

Then he fell, trying to get out of my mother’s car.

Well. More like a half fall. He ended up with one knee on the ground, one leg still in the car, and stuck in a most awkward position. After some struggling, he managed to get himself up. There was little I could do to help him.

He thought he was fine at first, but after a few hours, that knee that hit the ground (we have a dirt floor in our garage) was starting to really hurt.

Thankfully, he has plenty of really powerful pain killers, including one that’s “take as needed”.

I had intended to wait until closer to the end of the month but, after this, I sent a message to our mechanic, who also used vehicles available for sale. It’ll be 6 months at the end of September, that I’ve been using a low limit credit card to rebuild my credit score. Which means I should be able to apply for financing on a vehicle and have payments we can actually afford. The last time I applied for financing, the terms and interest rates were insane, they wanted a high down payment, plus the payments would have been $700 a month!

We messaged back and forth for a bit. He actually has a truck available right now. I had walked over to see what he had available, the last time I was at the grocery store across the street, and it’s a really nice truck. We could certainly use one but, for our primary needs, we need another minivan, though we could possibly get away with a SUV. He told me he would look for something for us. He knows our needs by now.

Not long after, I got a call from him. He told me he was with a new financing company now. One that specializes in helping people rebuilding their credit. He’d talked to her about our situation, and that we were living on a disability income. She told him that they could do pre-approved financing. That would go a long way in helping him know exactly what he could find for us, and not be stuck with a vehicle to sell to someone else, if we can’t afford the financing.

So I gave him permission to pass on my contact information and I got a call from the company already. The initial process has been started. The next step at our end will be to send in our ID and probably proof of income, etc., like we had to before. We should know in the next couple of days, what we can get for financing. From there, our mechanic will be able to look for something that meets our needs, and falls into the financing parameters.

I pray this all works out. As much as I appreciate having my mother’s car to use, it meets my mother’s needs, not ours. Plus, that thing needs to be replaced, too! My mother has already told my brother and that we should just sell it, but it’s too difficult for her to get into a larger vehicle, so a small car is needed for her. She won’t buy another car, though. She doesn’t drive or even have a license anymore. She’s got no problem with the idea of us buying another car for her, though… Not that we could afford to have two car payments!

We shall see how it works out!

The Re-Farmer

Weighing our options

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Happily, I was able to arrange to get ear mite medication for Not-Junkpile! One tube of the kind to spread onto the skin between the shoulder blades. Now, we just have to get ahold of her in a calm way to apply it.

On the way home, I stopped at the post office. Happily, the last of the tomato transplants that had been left outside as give-aways were gone! I hope the people that took the transplants get to enjoy them all.

It was what we got in the mail, however, that leaves us in a bit of a conundrum, and I am more than open to people’s thoughts on this.

Not long after we moved here, my husband got an offer from his insurance company, to buy out his disability. The letter stated that this would be a one time offer. It was about $250,000. We decided against it, and figured that was that.

Well, he got another offer. It’s been a few years, so of course the offer is less – about $220,000.

The question is, should we take it?

Photo by Dids on Pexels.com

The pros and cons haven’t really changed over the years.

For the pros, it means being able to put the majority of the buyout into a TFSA, where it can earn compound interest. We could give ourselves the same monthly “income” out of that, and be okay. He would also still be getting his CPP Disability.

Not being on disability payments means that I would no longer be penalized for earning an income. With the current set up, we are allowed to have a maximum amount of outside income, and the rest gets deducted from his private insurance payments. When he started to get CPP Disability, it meant getting an extra $400 a month at the time, which was about a third of what his CPP Disability payments were at the time. In other words, his private insurance was reduced by about $800. Since the amount we are “allowed” to earn – and any income I make would be counted as household income – is maxed out, anything I earned would be deducted from his private insurance payments. We’d have to report my income, otherwise we’d risk losing it all.

This would no longer be an issue, so if I wanted to get a job, or start a home based business, etc., I would be free to do that.

Basically, we would have a lot more flexibility if we took the buyout package.

One thing that is both a pro and a con is that we would lose his medical insurance, too. Blue Cross pays 90% of most of his medications. Without insurance, we’d be paying about $2000 a month on his medications. Then there are the occasional costs, like CPAP supplies and, once every 5 years, a new CPAP. The province we live in has Pharmacare, and once the equivalent of the deductible is paid off by the 10% we pay ourselves, some of his meds switch to being covered completely by Pharmacare. He has one medication that his insurance has limited coverage for, so the doctor filed for a special exemption, and it is now covered 100% by Pharmacare. So while my husband would still get prescription coverage, but he might have several of his medications completely switched out to versions that the Pharmacare system covers. His CPAP, however, is not covered by Pharmacare, though I believe they will cover the costs of a BiPAP.

As for the cons…

Right now, we have a regular income that is unaffected by external factors. Something we really appreciated when the world went crazy. Had my husband still been able to work, he would have lost his job 3 years ago. We’d go from a regular income to living off a lump sum.

Now, arranging it so that we have a monthly income equivalent to what we’re getting now, plus adjustments to compensate for changes in prescription coverage, is great in theory. The problem is, we both know just how easy it would be to dip into the funds for things we need. For example, we need to replace the van. We’d be able to buy used one outright and not have car payments, but that would remove a large chunk out of the buyout. There are a lot of things we need that we do without, because the funds just aren’t there. It would be just too easy to use the buyout funds. Then, of course, if we end up with emergency vet bills, emergency vehicle expense, etc. … well, the money would be there.

But not for long.

Yes, I could go and get a job, but I’m turning 55 this month, and there is no job out there that I could get that would replace the lost income. I’d only be going for part time work, anyhow, because my “job” right now it taking care of the farm. Even if the girls both got jobs outside the home, the three of us together wouldn’t be able to replace the income. There are exceedingly few higher income jobs out here and, with the cost of gas, commuting to the city just isn’t feasible, even if we did replace the van with a newer vehicle that gets better mileage. If we did have to commute, we’d have to replace my mother’s car, too.

Of course, working outside the home isn’t ideal, anyhow. Especially in winter, where even if the plows manage to clear the roads quickly, we might not be able to get out of our driveway until a kind neighbour comes by – which means we’d have to go into the buyout to buy a new snow blower or some other snow clearing equipment. There are small utility tractors that come with all sorts of attachments, like plows, mowers, soil augers, front end loaders and back hoes. One of those would save us all kinds of effort here on the farm, but the cost would take a huge chunk out of the buyout package.

I admit, the thing I’m chaffing over is not being able to bring in my own income, but that would come at the cost of giving up a fixed, but liveable, reliable income.

On top of that, he’s only got 10 years left, anyhow. At age 65, his insurance plan ends. Even his CPP Disability would be converted to just CPP. In theory, in 10 years, I could also start getting a pittance for CPP (the consequence of being a stay at home mom and homeschooling the girls) and Old Age Security, which is also a pittance. Assuming both even exist 10 years from now. Both together would not make up the loss of his private insurance.

So do we accept the buyout and live off of it while working to build up incomes?

Or do we keep a fix income that pays the bills, but has very little wiggle room, and I would actually be penalized for earning extra money to make up for it?

What do you think?

The Re-Farmer

Well, so much for new glasses… again

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Would you look at this round, round mama!

She looks ready to have a litter any day now! Way, way too early!

Meanwhile…

Looks like my tax return is not going to be used as planned.

We had some issues with the toilet being partially clogged yesterday, but I was going to fight with it after my older daughter had her “morning” shower (she works at night). I did decide to go into the old basement and check the well pump and pipes, just in case.

The first thing I saw was a bit of damp near the sump pump reservoir.

There shouldn’t be any moisture there, this time of year.

Then I heard the dripping.

We have water dripping from under the bathtub.

Pretty much since we’ve moved here, the hot water tap in the tub has leaked while in use. It has gotten worse over the years. When we had the plumber here to auger the drain pipe to the septic tank, he also took a look at it for us. He thought he could fix the taps, but I’d like to replace them, so we got an estimate of about $400 for that – and that’s with us buying the replacement faucet set. He mentioned replacing it with the kind that is one lever rather than two taps to control the temperature. None of us like those things, and I’d want to replace it with basically the same style that’s already there. I told him we’d likely buy the faucet set ourselves, so the estimate did not include that. This was a couple years ago, so I would expect it to be higher, now.

The problem is that he’d have to take off the tub surround to access it – it can’t be reached from the other side of the wall, and the last time they were replaced, it would have been done from the front. The tub surround is one of those inexpensive 5 pc surrounds, where there are three flat pieces, then the corner pieces with moulded shelves. With our incredibly hard and iron rich water, it all looks like crap. No amount of scrubbing can get these clean, just like we can’t get the iron stains from the leaking tap completely off. So I have no problem with replacing those completely.

But if water is getting through enough to leak into the basement, the problem is not just the tap. It is likely the degrading caulking, too.

Which leads us to another issue.

When we finally got an indoor bathroom, my dad choose to cover the walls with bathroom panelling that was made to look like tiles. This was in the early 70’s, and there are areas of it, like behind the sink, where the panelling has been water damaged. The tub surround is mounted on top of the old panelling, which means there is caulking behind the caulking around the tub.

Chances are, the old caulking is also degrading, and the paneling under it may be molding or rotting. We won’t know until we take the surround off.

If we do end up having to replace the panelling behind it, we have another question.

What’s behind it?

Two of the walls are the original log walls; one is still exterior, while the other now has the sun room on the other side of it. The third side is the interior wall between the bathroom and my husband’s bedroom.

What we don’t know is of the panelling has something behind it, or if it was nailed directly to the log walls and joists. I know in the “new” part of the house, the panelling was nailed directly to the one long wall, and I’m pretty sure they were nailed directly to the joists on the other walls, with nothing between them and the insulation. But I’m just guessing on that, based on what little I can see from the places where the panelling has started to warp.

Talking about it with my daughters, they are suggesting not going with another tub surround at all, but to tile it, instead. Which would indeed be preferable! But is that even an option?

So right now, we’re looking at, I’m guessing, $500 for the plumber. Inexpensive tub surrounds like what we have now cost from $250 – $275 – or we could get just the flat panels for about $67 each (we’d likely need three). I have no idea at all how much it would cost if we tiled, instead. Depending on the size, they can be a couple of bucks each, or are sold by the square foot. Plus the backing material that would replace the current wall panels, plus the grout…

Then there’s the cost of the taps and faucet set (even the faucet is so encrusted in minerals, it’s affecting the seal on the shower diverter). I’ve looked around and did find a set that’s like what we have, at only $100 – and that includes a shower head. We just got a new shower head for our hand held shower, but having a spare is never a bad thing.

So…

I guess I’m not getting glasses again this year. We should, at least, still be able to get my younger daughter her glasses, since she can’t wear hers at all anymore, and her sister has offered to help with the costs as much as she can. She needs to do her taxes, too. Last year, she did them and ended up owing money – only to have it paid back, plus a return, a month or so later!

And no. We are NOT going into the funds being set aside for the replacement vehicle. That’s just not an option.

*sigh*

Well, at least this is happening at a time when we will have the funds to pay for it. The main thing is to get it fixed before water damage gets worse. The last thing we need is for the tub to fall through the floor into the basement! It would land right on the well and sump pumps.

Must. Not. Imagine. Worst. Case. Scenarios.

Too late.

The Re-Farmer

Unexpected progress

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What a gorgeous day it is today! As I write this, we are at -2C/28F, with beautiful sunshine and next to no wind. Snow is melting all over the place! Including our nice new roof – with not a single leak into the sun room!

I’m not sure how many cats I saw this morning – I lost track after 20. That long haired tabby even let me pet him, as he followed me up the driveway. On the way back, I spotted The Distinguished Guest, tucked into a path in the snow, waiting his chance to come closer to the house and get some food.

I got a message from the garage, letting me know our van was ready to pick up. The final bill was $216 and change. It meant setting a little bit less aside for our “car payment”, but not by much.

We got to talk about his trip to the auction, and no, he was not able to find anything, and he was able to explain the issue.

We actually got approved for a larger amount loan than the cost of the vehicle we were interested in. The problem was that the monthly payments would have been $750 a month, because of the interest. As my credit score is so bad, the interest rate would have been 29%. Which is insane. To get a vehicle that meets our needs, with payments we could afford, that was also 2014 or newer, with a maximum 180,000 km… well, it just doesn’t really exist.

Of course, right now, we have nothing to improve our credit rating. We have no debt. No rent or mortgage. Nothing that would improve our credit rating.

His suggestion?

Get a credit card.

More specifically, get a card with a $300 or $500 credit limit. Max the card out every month, and pay it off every month. Which we could easily do with a single Costco shopping trip. In 6 months, we’d have a good credit score. Together with the money we are setting aside every month towards a down payment, he’d be able to get us a much newer and better vehicle, with payments within our budget.

While we were talking, his mechanic joined the conversation. He knew full well what we were going through. Thanks to the lockdowns, he lost his small trucking business 2 years ago. It wiped him out completely and, of course, his credit score was wrecked. He wanted to get a loan for a truck to start over, but couldn’t get one. He got himself a $500 credit card, maxed it out and paid it off every month, and it repaired his credit rating enough that he was able to get a lone for a truck – and those things go for about $200,000!

It’s basically the only way we have available to us to repair my credit score, so when I got home, I went online with my bank and started looking up what was available. Once I got to a certain point, though, I decided I needed to talk to someone, so I called it in. As I spoke to the representative, he told me the main issue was that I have no income – it will be based on household income. My chances of being approved was pretty low, but I could apply for a secured credit card. That, however, had to be done in person. He recommended I do that, rather than continue trying to apply over the phone.

Well, it was early enough in the day, so off I went to the nearest branch, in the town my mother lives in. I tried calling my mother to see if she would need groceries, but got no answer, so I took her car just in case.

I got in to see someone fairly quickly and explained our situation. We started the application for a secured credit card. The down side of this is they work it by locking the amount – in this case, $500, which is their minimum – in our account, so that if we ever reneged on a payment, they would get their money out of the locked funds. However, she suggested we go ahead and try for an unsecured account, first, and see how it that went.

Much to my shock, I got approved for a $1000, unsecured credit card!

I asked if it could be reduced to $500, which she was able to do.

I should be getting my card in 7-10 business days.

The whole thing was shockingly painless!

Once it comes in, it will be used only for gas and groceries, within our usual budget, that’s it!

With that done, I finally managed to connect with my mother and popped in for a visit. She only needed a few things, so I just ran out and picked them up for her. She commented that she wasn’t feeling that well, after the procedure – then started to tell me again that if they couldn’t do what she was there for, because she was on blood thinners, then what was the point? I told her, she was there for the scope; the taking of samples would have been only if they found something of concern, and for that, they would have had her come back. She started to get angry and insisted she never left the room and never had the procedure. She watched other people come and go, but not her. I explained the light sedation to her, and told her I don’t remember getting my bronchoscopy, either. Turns out she’s working herself up to thinking that the stuff they sprayed in her mouth, and lying about doing the scope on her, and her now not feeling as well is them trying to kill off old people to save money.

The sad thing is, I can’t fault her for thinking that. However, our “wonderful” health care system is now using MAiD – Medical Assistance in Dying – for that, so there’s no need for the elaborate scene she’s building up in her mind. So far, no one has tried to talk her into offing herself, at least. It’s a good thing we don’t live in BC. 😕

Anyhow, I temporarily mollified her, but I know it won’t last long. Aside from that, it was actually a really good visit, and I even got to talk to her about our plans for getting chickens (which she enthusiastically supports), and to make it so that if things happen, like the power going out for a long time, we’d be okay. Every time I bring that up, she starts talking about being able to use the old wood cookstove in the old kitchen, and I had to explain to her again, how badly damaged it is, and why it would be wildly unsafe to use it, even if we did manage to repair it. We may some day be able to fix it up, but until then, there are other things that we can do that we can do ourselves, at little cost, like building and outdoor kitchen under a shelter. In the past, she would have mocked me for the things I was talking about, but she doesn’t do that anymore. Since we’ve moved here, she gave us the hardest time over our plans, because they were so different from how she did things, and she didn’t believe we would actually do them. One example being the retaining wall I wanted to build at one end of the old kitchen garden. When I described to her what we had in mind, she laughed out loud. Then she told me how the family that used to live across the road from here (no one lives there now) had all sorts of grand plans for how they wanted to fix up the property, with retaining walls and garden beds and more. In all the years they lived there, they never did any of it. Therefore, neither would I.

Then I build the retaining wall, and we did several other things I’d told her about that she laughed at me over, or even became angry over, because she would not have done things that way. But they worked. So now, she no longer laughs.

Progress!

For now, anyhow.

So it’s been a pretty productive day, even if not in the ways I expected or planned on!

I’m okay with that. 😁

The Re-Farmer

Finally getting rain – and, ouch

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Things have been hot for the past few days, and will continue to be hot for the next while. It’s not even noon as I write this, and we’re already at 25C, with a “real feel” of 29C. We’ve also had a lot of thunderstorm warnings, but aside from one quick pass, they have been missing us. We have, however, been getting some decent rain. I haven’t heard locally, yet, but the municipality next to ours announced their burn ban has finally been lifted. I expect ours is, too.

This afternoon, we’re supposed to get temperatures of 29C (feeling like 36C) and thunderstorms through the evening. If rain is all we get again, I’ll be quite happy.

The grape vines are quite appreciating the moisture.

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