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Resolution, dream, goal or plan? Maybe all of the above

Resolution, dream, goal or plan? Maybe all of the above

In 2020 we had found ourselves suddenly homeschooling and stuck at home. Like most people, we also found ourselves drinking a wee bit more alcohol than we usually did. By October it was clear that not only were we spending scads of coin on booze, we also felt like shit and the consumption of alcohol was severely affecting our mood. So on October 31, 2020 the last alcoholic beverage for the next 365 days was consumed.

I won’t lie and say that it was an easy year, there were many times where one or both of us wanted to celebrate with a glass of something stronger than club soda. But we stuck to it and found that not only did we lose some weight, we also saved a pile of cash. In October 31st, 2021 we went to a friend’s outdoor (belated) birthday party and toasted her with some spiked punch.

Since then, we haven’t really consumed alcohol like we used to. Aside from the fact that we are old and more prone to hangovers, alcohol also makes me incredibly spastic the next day. More and more we found that we don’t like losing the next day to recuperating so while we drank often we didn’t find ourselves going too crazy. We also discovered that we prefer more higher-end brands as well, so when we did drink alcohol it could often get really expensive. So when we mulled it over, alcohol consumption – while fun in the moment – was incongruent with our long term health and financial goals. So we decided that 2023 would be an alcohol-free year for us.

When I mentioned our sober year goals to a friend, I mentioned that one of the reasons was to help us pay off our house in 2023. She replied with, “It’s can’t make that much of a difference, can it?” So I ran the numbers and in Beer and Liquor store purchases alone (not cash, not bars/restaurants, not gifts) we spent $5500 on our credit card*. Of course, alcohol in this province is super expensive but actually running the numbers was pretty shocking to me because looking back it didn’t even seem like we drank that much last year. What an eye-opener!

Resolution #1 – a sober 2023

As mentioned above, our mortgage is up for renewal later this year and we want to just pay the entire thing off completely. We had already planned to do that before the prime rate had climbed to dizzying heights but now I am doubly glad that we had it in the hopper for 2023! We don’t have much further to go so if we tighten our belts we will be mortgage free by the end of the year.

Resolution #2 – pay off the mortgage on the house

We are also aiming to have an ultra frugal year. Generally speaking my budget style is to make categories and just try and spend within the categories. I don’t typically budget down to the cent or make an effort to track every penny. As long as we stay in the green, meet our goals and don’t carry debt, I generally just have an idea of where everything is going.

But as inflation increases and a recession looms as workers are getting laid off, it seemed like a good time to experiment with living off of one salary – my disability income. With Mr. Tucker’s work salary we plan to save it for retirement, use it to pay off the house, save for our road trips next fall and put some away to purchase local food. When the house is paid off, these last two things will then come out of my disability income, freeing up every cent he makes to put towards early retirement.

This is the one goal for 2023 that I am apprehensive about. Since we’ve always had low expenses, a good savings rate and still have been able to do the things we’ve wanted to do, having to check ourselves may be a steep learning curve. Still, 10 years ago we had an incredibly tight budget because I was a SAHM and we had a large child support payment when Mr. Tucker made about half of what he makes today. Of course, prices have gone up and two t(w)eens in the house make everything more expensive. But I am 100% sure that this will be achievable with some work. Much like 10 years ago, I am going to track our spending carefully and look for ways we could be more efficient with our money.

Resolution #3 – Live off of one salary and track all of our spending

If there is one regret I had about 2022 it’s that Mr. Tucker and I didn’t get out for walks as much as we would have liked to. Sure, I spent a ton of time swimming in the pool during the summer months but we always had planned to walk while the kids were in school and with his new job it never seemed to happen.

Worse, we actually purchased some cardio equipment last year on sale and while we started off strong, eventually the machines sat unused as life got busy in the spring between Puerto Rico and school drama.

I have no crazy exercise goals except: move. Any sort of movement is better than no movement so I am just going to try and get outside, get some fresh air and walk/trike. On days where it is too dangerous to go outside due to snow & ice, I can use the equipment. Mr. Tucker and I really need to prioritize any exercise over the nothing we’re doing now. Once we’ve made it a habit again, we can increase and add to our routine. Hopefully by the summer we will have some weight training and flexibility training incorporated into our routine.

Resolution #4 – Move more

A part of these goals is to start living in a way that supports our health and get us used to habits that Mr. Tucker can take with him into early retirement. We need to make space for ourselves over the next year and live our life as less focused around his job as we can. Of course, he still has to work and there will often be challenges to being life-focused vs. work-focused but after a year into his new gig he has a better handle on the job and its expectations.

I think overall 2023 will be characterized as a year where we make conscious decisions and really focus on the life we want to lead. Not just this year but going forward as well. The world is constantly chaotic and these past couple of years have felt so heavy between the pandemic, economic changes and war. Hopefully 2023 will be a little calmer, the kids will continue to thrive, we’ll see our friends and family a lot more than we have these past few years and if all goes well, we’ll meet our goals.

Happy New Year!

*we get extra Aeroplan points for using the card, which makes it also easier to track our spending on alcohol because we tend to always use the card

**Mr. Tucker will need to listen for alerts on his phone due to work but there is no reason it needs to be right beside him

2022 roundup for the Tuckers

2022 roundup for the Tuckers


Christmas this year was perfection. After completely giving up on large holiday dinners, this year we had my brother, my dad and his partner over for Christmas eve. It was low-key and we ordered Chinese food and had some drinks. My brother slept over and we all ended up playing cards super late into the evening. Christmas day was sleeping in and opening gifts and instead of spending the entire day cooking, we all just ate leftovers from the night before. Perfection! Then Boxing Day my stepson and his girlfriend came over and he and Mr. Tucker cooked this incredible prime rib dinner. We stayed up late drinking bachelor’s jam with Prosecco and watching Violent Night (again. It’s that good.). It was the perfect amount of socialization and relaxation and we had zero drama.

It feels weird to be heading into 2023 when 2020 feels like it was just yesterday. We basically got off of a Caribbean cruise, went to Universal Studios for a few days, flew home and then the lockdown happened. The past (almost!) 3 years have seemed like a dream. Still, a lot has happened in that time, with this year seeing some pretty big milestones. Here is a recap.

In January, Mr. Tucker took over as head of a new team. This came with a pay bump and so we redid our budget. Overall, it was a bit of a learning curve but Mr. Tucker enjoys his new role. He ended up having to travel to Arizona that month where he got to meet a lot of his colleagues. He has worked from home since 2009 so this isn’t a new thing.

March: we had planned to go to Jamaica that month but instead of a direct flight, the airline kept changing and changing the route until they had us traveling for over 24 hours. On top of that, covid seemed to be ramping up in the area. So my friend and I booked two weeks in Puerto Rico for our families instead. The trip was simultaneously chaotic and fun but it pretty much turned us off of air travel for awhile. If a trip can be measured by the amount of stories you bring back, we have enough stories for a lifetime!

Many of my closest friends live in the US. During the pandemic my core group often played a weekly Trivial Pursuit game online and it was nice to connect. Still, most of us saw at least one other person in the group about once a year, so we were missing each other. In May we planned to get together in Denver as it just made sense given that we were in Ontario, Pennsylvania, Colorado and California. We had an awesome 5 days together despite the fact my scooter got busted up by Air Canada and I had to buy a new one (and get the old one fixed).

April saw us moving the youngest out of public school and into a private school after months of constant struggle in the public system. We all just needed a break. While our kid loved the private school, the school was poorly run by an ineffectual leader who had no conflict-management skills. Back to the drawing board.

June for the first time in years we had no summer plans at all. We typically always rented a cottage with two other families but the pandemic had made cottage rentals explode in popularity so we couldn’t get three cottages together and in our price range. While I am glad my kids had all of those years of camping/cottaging with friends, it was nice to have no plans. I am also not a cottage person and would much rather be home enjoying my pool all summer. Which I did. Which was glorious.

July was a doozy of a month. Mr. Tucker turned 50, which we celebrated by going out for dinner with my stepson and his girlfriend to a steakhouse in The Market. It was such an abysmal experience and was so expensive that it basically turned us off of dining out for the foreseeable future.

While that was happening, the kids went to Paris with a family member and came home violently sick with covid. They also had an awful time but were glad to be home. Thankfully, Mr. Tucker and I escaped catching it by a combo of making the kids hangout outside, masking inside, and constantly running our air purifier.

Come to think of it, July was a life-changing month all around!

August was low-key and saw the kids doing sailing camp and not much else.

In September the eldest started high school and joined band for extra credit. That means Mr. Tucker has to drive her at 7:30am two mornings a week. He doesn’t mind though. Since we both had families who wouldn’t have done the same for us, he doesn’t mind supporting our kind in her artistic endeavors.

The youngest started at a new public school in the Alternate program. After a terrible previous year we were all apprehensive – especially since they need to take a public bus and walk quite a bit. In the end though, it was the perfect choice. Not only are they succeeding academically, they have made a bunch of new friends and are thriving socially as well. They like their teachers, their teachers like them and the school conference gave us nothing but positive feedback about how well they are doing. Sometimes you just got to try and find a place that works for you.

OH – and we also made our mortgage pre-payment!

October is one of our favourite months because we are HUGE Halloween fans. Thanksgiving weekend is our new preferred travel weekend so we went to Toronto once again to enjoy the Halloween Haunt at Canada’s Wonderland and get the most out of our yearly passes (which we got for two years for the same price, thanks to Covid). We also went to Medieval Times which was piles of ridiculous fun. We paid 1/3 of the price to go to MT than we did for two people to eat on Mr. Tucker’s birthday – and that had no jousting!

We also planned two group friend outings: a Haunted Walk of our city and a Halloween installment at a local farm with haunted houses and hayrides. Then of course, the kids got to go out trick-or-treating. It was a great month of activities.

November saw me heading out on a trip with friends (again!), this time with my book club. We rented a house in Prince Edward County and toured wineries and ate delicious food all weekend.

A friend offered up one of her cafes to enable our group of friends to have Christmas party at the end of the month. So I ordered us a liquor licence, we planned a potluck, made arrangements for people to bring their air purifiers etc. and…then Mr. Tucker and I got Covid and weren’t able to attend. What was funny is that we had just got our bivalent shots and while Mr. Tucker got it first, he also got super sick. He had every symptom – in order – like a textbook case. I caught it when I was at peak immunity post-vaccination and to me it felt like a bad allergy attack or a mild cold. It was super interesting to compare our experiences.

Then, Mr. Tucker’s biological mom came in with some news: she had found his biological father but he had sadly passed away a few years ago. So that has led him down a weird and wonderful path of learning more about his biological family.

So that brings us to December! I already mentioned our holiday plans and we have some big financial goals for 2023. We still don’t plan to do any air travel in the new year but we do want to do a fun road trip at some point, so we’ll be saving for that.

At some point I will update a longer post about our plans for 2023 but tonight the only goal is to maybe watch a movie, play Jackbox with some friends and probably miss midnight altogether because I am super old and my bedtime is 10pm, dammit!

Happy New Year!

You don’t owe your elders – or anyone – your presence

You don’t owe your elders – or anyone – your presence

Someone close to me was recently discussing how his parents had hated their grandmother but they had tolerated her under the “respect your elders” rule. It was only as an adult that he learned that his mother was born when the grandmother was very young and that they were raised together as sisters. Then – once his mother learned the truth and had moved in with her “real” mom – his mother was sexually assaulted for years by the grandmother’s partner while she looked the other way. But yet, until the grandmother died, she was part of their lives. When he learned this, he was pretty shocked.

I have seen this played out time and again under various circumstances. For some reason we have come to believe that somehow older people can get away with various cruelties and that younger generations just have to tolerate the abuse. It’s baked into our culture by previous generations all of whom have raised us and know how to push our buttons.

But I am here to tell you today that you absolutely do not have to take it. You can walk away from an abusive relative and if you have children that they’ve acted abusive towards, it is IMPERATIVE that you do so.

Recently, after tolerating years snarky comments, lies and manipulation I finally cut someone out of our lives. While I won’t get into the details, the reality is that for years I had tried desperately to maintain a relationship with this person for my children’s sake. The weekly visits were a huge imposition on our time and energy and Mr. Tucker had to actually be present in the room with this person or else they would say the most awful things to me. But I never wanted anyone to say that I didn’t allow this person to craft their own relationship with my kids. My kids loved them and thought the world of them – until this summer.

This summer they got to see the real person behind the mask when they took my kids on a trip. This person was the adult in their lives who was supposed to protect them but instead they would walk ahead and leave them behind on public transportation and even in airport security. They would pick fights with the kids if they didn’t give them their picture postcard Kodak moments. They lashed out cruelly and said horrifically homophobic things. My kids spent most of the trip terrified that this Dr. Jekyll wouldn’t provide their basic needs. My kids came home terrified with a horrible bout of Covid and this narcissist bailed on our quarantine plan because, they just “were so tired and can’t handle it.” It was heartbreaking when my kids saw the truth because a person they loved betrayed them so horribly.

But it was the catalyst I needed to finally cut ties.

Here is the thing about narcissists and people you let get away with cruel behaviour: your tolerance of it emboldens them. They ratchet up the cruelty and the gaslighting to see how much they can get away with. They are such little people that it makes them feel big to abuse people and get away with it so it just keeps happening. Even if you confront them they will give you a non-apology such as “sorry you feel that way,” and the abuse will stop for awhile. But just as you get comfortable and think that MAYBE, THIS TIME you will be able to have the respectful adult relationship with them that you want, it starts again. It always starts slowly and builds up like the proverbial frog in the pot of water being warmed slowly. The pattern repeats.

The horrid behaviour I can take becomes a problem when you target my kids. In my friend’s situation above, the grandmother was always good to him and it was only as an adult that he learned the truth. With my kids, they experienced the horror first-hand. I just ended all communication with this person. I won’t have anyone treating my children like that.

Of course, in true narcissist fashion, I received an email last week from this person. No, not accepting blame and apologizing. That’s what a normal person who wrongs someone does. Instead, the email was basically three paragraphs about how they were disappointed that I don’t provide them with the perfect familial experience that they feel they deserve. Then they tried to guilt me into allowing them back into our lives. Rinse, repeat.

I replied with pointing out that if my kids want to have a relationship with them, they will reach out. Until then, I am blocking all of their methods of contacting me and I don’t want a relationship.

It’s absolutely heartbreaking when it comes to this. I’m actually sad that they will miss so much of our milestones as a family because they are so obsessed with controlling and manipulating people. Yes, they lie to us – but they lie to themselves more, crafting a victim narrative and denying their involvement in situations even when there have been many witnesses who refute their claim. Alone and sad, they cling to the behaviours that don’t serve them, alienating friends and family.

The truth is though, it’s not my problem anymore. They need to do the work and I think we are way past the point of that happening.

So if I have words of wisdom for you, it is this:

No one is perfect and of course we are all different so we will argue, not agree, and generally live our lives differently than other people may. Be as tolerant as possible of people’s differences.

Yes, you can tolerate behaviour from less enlightened older members of your family who may not “get” it. Make those conversations off-topic. But that only applies to some topics. Don’t accept abuse and gaslighting.

Create boundaries and make them clear and non-negotiable.

If multiple people tell you that you are wrong, you are probably wrong.

You don’t need to respect your elders if they don’t respect you. Everyone deserves respect.

Guilt is never a good reason to do something.

You don’t owe anyone their ideal of “family.”

If it harms you, you should consider not exposing yourself to that behaviour.

If it harms your children, you should absolutely protect them at all costs.

We never got to Jamaica & other updates

We never got to Jamaica & other updates

I realize that I posted a life update on September 21st, 2021 and haven’t followed up since. My goal to be a better blogger has not come to fruition. Besides, all the kids are on tiktok these days and I am going in the opposite direction and staying off of most social media. Here is a synopsis of the past year or so:

We ended up going to Puerto Rico: the direct flight we had booked to Jamaica changed so many times that it ended up becoming an over 24 hour flight with various stops. We discussed it with our friends and made the decision to pull the plug and instead planned a trip to Puerto Rico. Both families have been there before and we found a nice hotel on the southwest coast far from the maddening crowds. Covid made travel an absolute nightmare but we have stories for days and isn’t that what travel is all about?

Mr. Tucker started a new job: he heads up a new team now and with this new job came a small pay raise. So once again we have reversed course and are in super saver mode except the new raise covers our increases in spending money and groceries. That’s good because inflation has made it more expensive anyway.

We are still on track to pay off our mortgage in 2023: this is very exciting because we did manage to make our prepayment this year. It was looking dicey there for awhile because Mr. Tucker needed major dental surgery and…

We put in a walk-in bathtub: it was getting more and more dangerous for me to use a step-over tub and a bath chair so we bit the bullet and had a walk-in installed. It was incredibly expensive but we managed to not go into debt to do it.

We did more weekend roadtrips & didn’t rent a cottage: I have to be honest, I love staying home all summer. We bought a house with a pool for a reason and that reason is that I spend every great summer day swimming. Besides, we got to see a lot of friends for backyard hangouts.

We had a good run camping or renting cottages with friends when our kids were younger, it was more for the kids to run around with their friends than for us to enjoy. Now that they are older, they don’t enjoy it as much themselves. So it made sense to put this particular tradition to rest.

We did manage to get use out of our Canada’s Wonderland passes though! We went May 24 long weekend and Thanksgiving weekend – where we also went to Medieval Times. Is it absolutely cheesy? Yes. Did we all love it? Also, yes. We won’t renew them again as the deal isn’t as good as the pandemic restrictions let up but I am glad we did it. We still do have amazing plans for next year’s roadtrip.

I did rent a cottage in Prince Edward County with my friends from book club and had a wonderful weekend. Instead of booking an expensive wine tour a friend drove us to various wineries and it made for a fun, inexpensive weekend.

We had more local outings during the holidays: we did a lot more holiday-themed local events both last year and this year. During Halloween we went to various local farms to experience their haunted houses and we did a local Haunted Walk with friends as well. For Christmas last year we did a drive-thru light show and saw The Nutcracker. Of course, we kept up with our two traditions: October’s 13 Days of Halloween Movies and 12 Days of Christmas Movies in December. We had planned a small Winter Solstice event but was thwarted by Omicron.

We’re still gardening: we haven’t got better at it though. Still, it’s a fun hobby and I enjoy watching the garden change over the summer.

Health: I had a particularly awful fall in the late spring which took a long time to heal & made me make the decision to not paddle with my dragon boat team this year. I also have not kept up with a regular exercise routine outside of swimming in the summer. This is something I need to refocus on. I lost a lot of confidence with the fall but conversely I have added supplements to my routine that have reduced my spasticity & made my skin issues more manageable.

As 2022 comes to an end Mr. Tucker and I are working on some big goals to tackle in 2023. I feel like this deserves its own post, which I will tackle closer to the end of the month. Until then, we are gearing up to enjoy yet another Christmas season as a family and will hopefully be able to have a small Winter Solstice celebration with friends.

Some traditions deserve to be broken

Some traditions deserve to be broken


Mr. Tucker and I have covid so we’re taking precautions so the kids don’t get it

When the pandemic happened the holidays were furthest from our minds. Easter was the first holiday after the lockdown started but it had never been a huge deal for anyone but the kids. When Thanksgiving rolled around we rented a couple of cottages on a lake, quarantined for two weeks, and then met up with another family. If I am honest, it was one of the best Thanksgivings we ever had. The kids hung out with other kids, the adults had drinks & played cards, and Mr. Tucker made an amazing Thanksgiving dinner. After dinner we played games, laughed, and then built a bonfire. Everyone was full, happy and relaxed. After that first one, the past two covid Thanksgivings we’ve used to take a small road trip and do something fun as a family, usually Halloween-related (Thanksgiving in Canada is the second weekend in October) with those same friends. It’s been a nice, new tradition that we all enjoy.

Christmas that first covid year was just the four of us. Determined to make the kid’s holidays still good, we ramped up the activities that we could still do during covid. We baked cupcakes for The Mission, we headed out to pick out a fresh tree, we did our 12 Days of Christmas Movies & we baked cookies and delivered them to friends. We also doubled-down on Advent calendars to make every day of December special and started incorporating Jólabókaflóðið – the Icelandic tradition of getting a book & some chocolate on Christmas Eve – into our new holiday tradition. Christmas day we had outside visits with family and friends (no easy feat in Canadian winter) and then sat down to dinner just the four of us. This time the kids were honest: they loved having a relaxed Christmas. We spent the day in our PJs and watched movies and they loved it. They hated having to dress up and sit around watching the adults talk about boring things so this was a change they really enjoyed.

I loved it, too.

I loved it for different reasons than the kids did. Because we were the only people in the family with young kids, we’ve always hosted. That has meant 13-15 people for dinner, including my divorced parents. For various reasons, it’s always been stressful and chaotic but we always did it because otherwise we’d have to choose somewhere to go that would exclude other members of the family, feelings would be hurt etc. So from that point of view, it always made sense for us to host.

We are heading into year three of Christmas with covid and over the past years I have discovered that I ENJOY a simpler holiday. I love not having to hold myself up to some ideal holiday standard where every moment feels like I’m shoving a square peg into a round hole. No matter how hard I tried to make everything perfect, there were always little stinging comments and judgement or a divisive conversation would erupt. Mr. Tucker and I would shut the door behind the last guest and then feel like collapsing from exhaustion both physically and mentally. It was a lot of work and we convinced ourselves that we were giving our children the experience of seeing all of the family at Christmas and vice versa.

Looking back, I realize now that I can take the things I enjoy about holidays and leave the rest. I grew up in a house where a fake Christmas tree was just unfathomable. But just because our families did it one way doesn’t mean we have to do it that way. We don’t need to take the most difficult path just because, “that’s the way we’ve always done it.” So this year when I saw a sale on fake Christmas trees I pointed to the flyer and said to Mr. Tucker, “Do you think we should consider…” I didn’t even finish my sentence before he shouted, “YES!”

My ideal Christmas has fallen heavily on Mr. Tucker’s shoulders these past couple of years. When we were younger and more energetic I could do a lot more of the heavy lifting but since I’ve become more and more disabled a lot of this magic has to be done by him. It occurred to me that it’s a lot to ask of a man who already works full time, cares for two kids and helps his disabled wife to also be responsible for all the traditional stuff. To be fair, now that the kids are older they can also do a lot of the work and that eases the burden somewhat. But I also realized that we can even let a lot of it go and still have all of the magic. A great holiday doesn’t have to include stress and exhaustion…and you don’t have to have a neurodegenerative disease to say no to things that make you miserable, either!

The eldest was kind of sad to not be able to go and get a fresh tree but when we pointed out all of the benefits, she got it. No needles all over the place that get stuck in your feet, no having to water it all of the time and it spins so no worrying that the dogs will knock over and make a huge mess of water and needles. It’s even easier to decorate because the branches are moveable and sturdy. We still decorated the house and listened to Christmas music – the important ritual of a good holiday, in my opinion. All of the magic, half of the work.

This year on Christmas Eve, we are having my brother and my Dad over for Réveillon and instead of a traditional French Canadian feast, we’re going to order in Chinese food and just hang out and play cards. We’ll then curl up with our new Jolabokaflod books & eat chocolate. Christmas morning will happen when we all wake up (probably late), we’ll open presents, have a leisurely breakfast and then drive around seeing family and friends for porch visits. Dinner will be easy, eaten in our PJs and then we’ll probably watch Miracle on 34th street (another tradition).

If covid has taught me anything, it’s to let go. Let go of relationships that don’t serve me, stop trying to force relationships to be what they never will be, let go of my expectations and stop doing things I don’t want to do just because it lives up to someone else’s preconceived notions or sense of tradition. I don’t think we will ever host another large family dinner again. We enjoy a small, quieter holiday where we’re aren’t pretending that these traditions that don’t serve us are the most important thing. The most important thing will be the holiday will be spent relaxed and together.

This is Halloween, this is Halloween

This is Halloween, this is Halloween

I love everything about Halloween. I love the history of Samhain (being pagan-adjacent as I am), I love marking the passing of the seasons, I love the aesthetic (being goth-adjacent as I am), I love the music, the scary tales, I love the costumes and I love Trick-or-Treating – one of the last vestiges of collective neighbourly behaviour. I love that you can enjoy it on so many levels – regardless of your race or religion – and lean into it as much or as little as you’d like to.

We lean in. HARD.

From the first pumpkin spice latte I consume in September to the end of All Souls Day on November 1st, I revel in the creepy, spooky, scary passing of summer into the beginning of winter. October is always full of activities fueled by apple cider and a good dose of the macabre.

Since in Canada Thanksgiving is the second weekend in October, we have been doing short road trips since the pandemic. In 2020 we quarantined and rented a cottage with friends in order to enjoy the last light of summer near a lake. We had lovely bonfires outside, a wood stove inside, and while Mr. Tucker made a Thanksgiving meal, we all played games inside the largest cottage. It was one of those weekends that just comes together perfectly. There were walks in the autumn leaves, I read a book by the lake and the kids just ran around being kids. The pandemic was in full swing at that point and it was good to just pretend that things were normal, even for a few days.

2020 was also the year that we started our 13 Days of Halloween Movies ritual, which we’ve continued until this day. During the month of October we watch 13 Halloween movies – new and old – and the kids give mini reviews which I share on a private Instagram that only has friends I know. My friends have told me that they get a kick out of what the kids say and my hope is that the kids can look back and have a laugh at how they felt about the various movies at the time. We couldn’t Trick-or-Treat in 2020 so instead we bought the kids each a box of candy started new rituals.

In 2021 with vaccines in our arms but still cautious, we ended up buying seasons passes to Canada’s Wonderland in Toronto. We bought them with the friends we traveled to the cottage with the year before because they were good for 1.5 years. That year we went to the Halloween Haunt for a couple of days where we bought the kids Fast Lane passes and set them free to do what they wanted (masked, of course). So again, for a few short hours they could just be kids again. Back at home, we had them over for dinner on the Monday where we ate, drank, and played games again. It was a great weekend.

2021 was also the year we took the kids to a local orchard who does a series of haunted houses and a haunted wagon ride. It was a bit of a hike outside the city and I was unsure if they would enjoy it but they LOVED IT. I was incredibly impressed by the set-up that had everything from the terrifying (jump scares in the houses) to the thematic but unscary (a Ghostbusters-themed car) so really everyone could enjoy it. We still did our 13 Days of Halloween Movies and went to a local pumpkin patch so that we could pick-and-choose our own pumpkins to carve so that was a fun thing we could bring back again. They also did end up Trick-or-Treating last year which gave them back a little bit of normalcy.

Of course now in 2022 we have almost gotten back to normal but we’ve kept all the little rituals: we went to the Halloween Haunt for Thanksgiving weekend, we did another farm with haunted houses and a spooky wagon ride, we went on a Haunted Walk tour with friends downtown, we carved pumpkins, and we finished our last movie from our 13 Days of Halloween movies last night. Sadly, our friends couldn’t make Thanksgiving dinner because they came down with covid but we had a nice meal at home, just us.

Tonight the kids will go Trick-or-Treating as far as their legs will carry them and as long as people’s pumpkins are out. A neighbour always does this amazing haunted house a few streets over so they won’t want to miss that. Then they will crash after their sugar highs and then groggily get up for school tomorrow.

As for me, I stupidly (smartly?) booked a dentist appointment for tomorrow morning. Other than that, All Saints and All Souls Day are always reflective days for me as I wind down from the chaos of the fall season and transition into the winter one. I generally plan a quiet day of writing, reading, and large cups of tea drunk in front of a fire. This is because I am now looking forward to another favourite time of year: Winter Solstice.

When you’re a saver, it’s hard to be a spender

When you’re a saver, it’s hard to be a spender

We have a lovely older couple who live across the street from us and who have lived in this neighbourhood since the 1970s. Our neighbour, let’s call him Bill, is almost 80 and is the caretaker of his developmentally disabled daughter and his wife, who has dementia. Bill is an absolute treasure and unlike so many people his age, he has a positive outlook on life. One of the things he always says is, “I see every day I am here as a gift!” His life isn’t easy but he is grateful for everything he has and he’s a real inspiration to us youngins’.

Bill doesn’t have a cell phone and will often just pop in for a coffee. Today he dropped in and the conversation turned to how expensive everything is with inflation. He laughed because his last pair of “good” shoes were 30 years old and they had fallen apart. He said that the last time he went to buy shoes they had cost him $29.99 and looking at a recent flyer that came in the mail, it looks like now he’ll have to pay $80 for a similar pair.

He then went on to tell us that he had spent his entire life saving money for a good retirement only to discover he couldn’t spend it. “I have enough for all of us to spend and live comfortably for a long time but there is nothing I want to buy,” he said. Bill lives a really good life, too. He doesn’t deny himself, he takes the odd trip with the family, and spends money to maintain his house and yard (with pool). “My wife used to buy all of my clothes but honestly, I haven’t needed to shop much for clothes for years because they have lasted.” Bill isn’t a miser, either. He often buys my children little gifts like backpacks for school, and flower kits you can grow indoors. He’s just discovered that he doesn’t need – or want – to spend money.

The New York Times recently wrote that research suggests that this is common.“As people age, they report less satisfaction from travel, as well as from new cars, clothes and appliances. The decline is strongest in people who say their health is poor. People who say they’re in excellent health say their enjoyment from travel and leisure is actually greater than it was six years earlier. People in excellent health also report more satisfaction from giving financial support, which goes against the notion that those who expect to live a lot longer are worried about running out of money.” I would also say that after years of saving and learning how to get the things you want on a reduced budget that you just continue this even when you retire. Bill is a retired teacher with a pension, his house is paid off, his car is paid off and he has enough for a really good life for the three of them. So his savings keeps growing while his lifestyle stays similar to what it has always been.

This got me thinking about our own budget. We currently save a huge chunk of our income for our house prepayment, retirement, and our children’s education – not including “planned spending” items like buying a new car every 10 years, which is more “saving to spend.” Our life is a really solid middle class life: roof over our heads, food on the table, bills are paid and there is money for extras. We also have a category for leisure and travel that is well-funded. But I do know from my calculations that once our mortgage is paid off next year, we will be able to easily live off of just the money I bring in.

According to research, we’re also in our peak budget years as the kids are t(w)eens. They will also be here for at least 5-7 years (more if they go to post-secondary in the city). That means our expenses are relatively high. We pay for very pricey activities and save a huge amount towards their RESPs – not to mention the basic costs of feeding and clothing them. We are so used to having this money go to them that when (and if!) they leave home, I wonder if we will feel like Bill. Having everything for a good life already, will we want to spend more?

Despite our current moratorium on air travel, we probably would like to travel a bit more in the future (PLS willing!). I suspect that over time we will find ourselves like the people in the above NYT article: unwilling to travel due to disability. We will also find room in our budget to help the kids as they try and build an adult life for themselves. Still, our coffee with Bill reminded me that having spent a long time saving for the future, we probably will find ourselves in the same position: having enough.

Eating out, value and tipping in a post-lockdown world

Eating out, value and tipping in a post-lockdown world

In the early pandemic restaurants pivoted to curbside take-out and delivery and at least here, they also had the option to sell alcohol which was a first for this province. In appreciation for the risk and to support local businesses people became more patient and tipped as they would have had they eaten-in. When restaurants re-opened they came out in droves, happy to get back to some semblance of a normal life. Patios everywhere were packed.

But all wasn’t well. Customers seemed to demand more from overworked staff who were working harder and longer due to staffing shortages while being burdened with ever-changing pandemic rules. So while the mentality was “back to normal” the reality was anything but. Then on top of this, the war in Ukraine started, inflation exploded as supply chains were strained & central banks responded by raising interest rates and suddenly everything got more expensive. Many restaurants plan to raise their prices by 10% to 15% this year.

We weren’t really comfortable eating out except for a handful of times but for Mr. Tucker’s birthday this year we wanted to try for a nice dinner with my stepson and his girlfriend. So we chose a high-end dining “steak and seafood” restaurant in The Market that had good reviews. Now, I spent 10 years working in restaurants, my stepson is a chef and his girlfriend is a server. Knowing the state of the restaurant business in 2022 we brought with us an incredible amount of patience. Still, we were only one of two tables the server had that evening and “disinterested” is the nicest way I could describe her. She took ½ hour to take our drink order, forgot a bunch of things we ordered, only took half of our dessert orders before walking away and came to our table so seldomly that we had to flag down other servers. The food itself was ok but the tasting menu was incredibly lazy: just smaller portions of things that were on the main menu. All the other staff were lovely, which is why I tipped well knowing that they were getting a cut. Still, I regret not tipping less because the service was so abysmal and I shouldn’t have sent the message that that was an ok way to treat customers. On top of this, the entire restaurant was infested with flies. Not just one or two buzzing around – which is expected for the summer – but throngs of them. It was impossible to keep them off your food.

In the end, the meal for 4 people was almost as much as my monthly grocery bill. Now, we love a good meal and I absolutely don’t mind paying for a fine dining experience. We won’t spend money on fast food but we will absolutely pay hundreds of dollars for an excellent meal with the service to match. As is usual for people who have worked in restaurants, we always overtip as well. But we were all just appalled at how absolutely lazy the entire experience was. Clearly, we will never go back there.

After that experience Mr. Tucker and I sat down and discussed how disappointed we were with the meal. We had eaten out at a few other places this year as well and while they were ok experiences we both agreed that they weren’t really worth the money we spent on them. I absolutely feel for businesses that are struggling with soaring costs and post-pandemic staff shortages but this was just such a terrible night out that we made the decision to stop eating out completely. We just don’t want to spend money to have a mediocre time, let alone a terrible time.

Then, the other evening, friends came over to hang out and catch up. We bought a family Shawarma platter for dinner from our amazing local Shawarma shop and it was $50 for enough to feed 6+ people (fatoush salad, potatoes, rice, hummus, toum/garlic sauce, pickled veg, pitas and you can do chicken, beef or a mixture of both – what a deal!). Of course, being a small local business we always tip around 40% because we feel their food is ridiculously underpriced and the service is always fantastic! Sure, tipping isn’t expected here as it’s a take-out counter, but they are so fantastically kind and the food is all made in-house so we like to show our appreciation.

Across the country, the tipping culture debate is heating up, resulting in articles about tip-flation. During the pandemic people were happy to pay a little extra for people who continued to work and serve people under dangerous conditions but now many people feel stuck like they should continue to overtip even though we are assured everything is “back to normal,” now. Combined with the higher costs of eating out, many people are feeling the sticker shock of post-pandemic dining when the basic tipping options on POS terminals are 15% to 30%. On top of that, provinces like Ontario are ending the disparity between the minimum wages of servers/bartenders and other workers leaving some people to eliminate tipping service staff altogether.

The friends who were over for dinner the other night mentioned that when buying dessert they weren’t even given the option to NOT add a tip to their bill at the bakery. The lowest option was 10% and they were made to feel guilty for asking to have an option to pay without a tip. It begs the question: we all agree that servers should get tipped but outside of that, the rules get murky: should we tip someone 20% for opening a beer and passing us a glass when we have to go get it at the bar? For someone who disinterestedly passes us an already boxed-up cake?

This debate didn’t start with the pandemic and it will rage on for a long time, I think. Some people feel that tipping is a requirement in many cases and some people feel that it’s gotten out of control. Why do we tip hairdressers and not housecleaners? Baristas but not the people who bag our groceries? Others argue that a living wage would solve all of the problems but I’m not so sure. I can see why Europeans are rightly confused when they come here: there aren’t even rules to tipping culture! Of course historically when people complained about tipping the usual answer was to say, “well just don’t eat out then.” But unfortunately, the expectations for tipping have seeped through every industry it seems. In my case at the restaurant, I just couldn’t tip less than 20% because I felt badly for all of the staff who were doing a good job and were getting tipped out from our server. It wasn’t even tied to her horrible service, it was the guilt I felt for an overburdened and struggling industry.

In our post-lockdown world we are all grappling with questions about how things used to be, what things should change and how they should change. It will probably be awhile before we get things sorted. I was saying to Mr. Tucker that our entire trip to Toronto in the spring with friends cost less than the meal we had on his birthday. So, for us choosing not to eat out means we can redirect the money we typically allocate instead to small weekend trips over the next year. Trips we will make as a family and get real value out of. When you put it into that perspective, it only makes sense to treat the entire family to a couple of days away rather than blow it all on one meal (we typically get a hotel room with a kitchenette which makes feeding ourselves more cost effective). I do see a future in which we do eat out again – probably around the same time that we do more distance travel – but for now, we’ll stay out of the restaurants and pay down our mortgage instead.

Milestones – Registered Education Savings Program

Milestones – Registered Education Savings Program

I really try and not look at our investments in this bear market because it doesn’t change any of our savings behaviours and it won’t make a lick of difference to stress myself out like that. HOWEVER, I got to thinking about the things we save for and I wondered, “what does tuition at a local university look like now?” Some quick googling later and I realized that we have enough education savings for both kids to each do a four year degree at a local university (even with our market losses).

What is really interesting is how the savings is divided. Half of that half of that savings happened in the past 3 years when we had more money to put away. The other half of it was mostly all done in the 9 years previous to that! When the Sprout was born we opened an RESP at a bank and started saving $80 a month – $40 for each child. It wasn’t a lot but it was all we had. On top of that, we asked family to contribute to the RESP for birthdays and Christmas. The kids were young, probably wouldn’t remember anything that they bought them but we figured that they would appreciate being able to go to post-secondary without debt. So for years we added all the cash they got to their savings – until they were older and wanted to use the money for other things, of course.

We still aren’t finished saving for them as they are only 12 and 14 now. It is nice to know that tiny amounts saved over long periods have got us to the point where they won’t have to worry about student loans for at least an undergraduate degree.

So if you are a young family and thinking of saving in an RESP but are worried that you don’t have a lot to contribute, remember that $40 a month + gifts from family essentially added up to half of a degree for her by the time my eldest was 14. Of course, as soon as we made more we invested more and that covered the other two years. The takeaway here is that small amounts invested over long periods add up to big gains. The difference between taking a student loan for two years vs. four years is also huge in terms of time it will take to pay it back. If they get scholarships, great – you have enough to help with grad school! If they decide to not go to post-secondary, great – it can be rolled into an RRSP (contribution room willing).

To learn more about the RESP, check out the Government of Canada website.

When it rains, it pours (in the laundry room)

When it rains, it pours (in the laundry room)

Mr. Tucker has always had a tumultuous relationship with the appliances that came with our house. From my perspective, he has an overly inflated view of how well appliances should function in today’s age. In his view, if you pay that much for something, they should work flawlessly. Truth be told, we’re both partially right.

It started at our old house we replaced our 30-year-old top loader & dryer with an energy efficient Samsung washer & dryer. Within a year we had to call the appliance repair person who basically told us that they were garbage appliances. He came back thrice that year to fix something until finally Mr. Tucker just decided to completely replace the dryer.

Since we had previously had good experiences with Kenmore, the Sears brand, Mr. Tucker decided that we should buy that brand with one caveat: no technology! He wanted an old-school clicky dial and mechanical machine that wasn’t governed by microchips and touchscreens*. When he went to Sears (RIP *snif*) to buy one, the salesperson explained that while their machines had dials that clicked and felt like low-tech, old school versions, they still had microchips and were still riddled with technology. In fact, the chances of getting an appliance there that didn’t have a microchip in it was zero. Still, we bought the cheapest model and it went on to serve us well until we moved out of the house.

To be fair, the man who used to own The Mullet loved this house and put top-of-the-line appliances in. Some (like the Dacor gas range) work amazingly and other ones (the Frigidaire Gallery dishwasher and fridge) not so much. Overall though, the appliances have done us well over the past 5 years in the house. Still, all good things must come to an end and a few things have.

1 – Mr. Tucker gets furious with the ice maker in our refrigerator but it’s the cheap shelves that are the real issue for me. The glass shelves inside the fridge have started to crack their plastic holders, which is frustrating enough but all the door shelves have busted off too. The most exasperating part is that a door shelf is $100 – for like a 6″ x 15″ piece of plastic! That’s just bonkerstown.

2 – The wall oven died slowly over the course of the spring. In its defense, it was original to the house (built in 1962) so it didn’t owe anyone, anything. Avoiding the more common, inexpensive brands we ended up deciding to splurge on a low-tech, higher-quality Italian brand. The cost? Approximately $3000 with installation. Wall ovens are expensive though and a comparable common brand would have been $1500-$2300. We wanted to go with a quality product that would last though and hit the low-middle range of the higher quality products.

3 – Then as we waited for 3 weeks for the oven install, the dishwasher died. At some point we will have our appliance guy out to look at it but until then the kids are washing the dishes by hand. They keep asking when we will have a dishwasher again and Mr. Tucker replies, “But we already have two dishwashers!” He’s definitely in his Dad joke years.

4 – The seal on the clothes washing machine somehow became twisted and we had a small deluge in the laundry room. Thankfully, Mr. Tucker caught it in time & it was something he could fix. Still, after all the other appliance drama I think that was the last straw and had we had to ALSO replace the washer he probably would have just walked out into the woods, never to return.

When we were in the thick of all the appliance drama, one night I tried to explain that unlike previous generations – even our parent’s generation – we tend to have an overly-inflated view of how much free time we should have and how much time we should spend on life tasks. Previous generations did more home and garden maintenance than we do, and even 100 years ago the expectation that you would have any free time was not a given except for a few moments snatched here or there. Life was work from the time you got up until the time you went to sleep. But for those of us who are Gen X or younger, we tend to think of most things outside of our work hours as free time. We hire people to do a lot of the maintenance around the house that previous generations did themselves on the evenings and weekends. So when things break – as they most certainly do in the age of Planned Obsolescence – we get angry at having spent money on things that are costing us precious free time when they were designed to GIVE us more free time.

So maybe that is why we are reluctant to call the appliance repair person yet AGAIN to look at the dishwasher: the kids are washing the dishes and it is working well enough for us so why spend the money? We also made the decision to not replace the shelves in the fridge – although I did float the idea of making some out of wood. I guess the situation isn’t, “if it ain’t broke don’t fix it,” so much as it is, “if it’s broke – do we really need it?” and “if we really need it, can we spend the money on something that won’t break down soon?” My final thought on this is something we should all consider: have I RTFM** and maintained the appliance properly? Chances are, that’s where the issue started.

*Hilarious for a man who works in IT and who used to believe in technology’s power to change the world. As the great Ella Fitzgerald once said, “What a difference a day makes.”
**Read the fucking manual