A very wintery life update about 2025 goals
It’s Sunday morning in winter so naturally I am alone. The Eldest teaches skiing and The Youngest still takes Snowboarding lessons which leaves me in the house my myself. Mr. Tucker is up-and-at-‘em at O’dark early to get The Eldest to her bus and then has a brief respite before dragging The Youngest up to a mountain for her lesson. It’s a super busy time of year but if you don’t keep yourself busy and active, you will just languish in the dark and cold.
The condo and work
I remembered recently that I hadn’t really updated since July’s big drama. The TL;DR of it all is: we did lower the interest rate and we managed to rent out the condo to a lovely young couple. So that is going well at least. Rest assured we are making zero profit from this & I know that makes me shitty at being a landlord but I am ok with that. Mr. Tucker continues to be employed by the same company and his workload is more manageable than he originally thought. Because they cut so deep though, he did toss in his hat to do some on call for another colleague who was managing on her own 24/7. Thankfully, there are rarely after hours issues that need to be actioned.
Mr. Tucker has made the decision to just stay put for the foreseeable future and let the chips fall where they may. Part of it is sheer curiosity of what will happen in 2025 and part of it is that work is more manageable than he originally thought it would be when it all went down last July. Some of the people who were laid off have discovered that a lot of tech work – especially work-from-home tech work – has dried up and pays a lot less than it did previously. He realizes that he has it good with his well-paying WFH gig and a job he is great at, so he will ride it out until the bitter end.
Also, the future all seems so uncertain right now (does it ever feel certain?) and for context, I am writing this a week after Trump’s inauguration, and he is currently scatter gunning commentary and threatening takeovers and tariffs all over the place. I suspect that at some point Mr. Tucker’s job will get caught up in the crossfire as we live in Canada and his company is in the US. There are already rumblings about profitability and if another layer of complications comes down the pipe, we may see them just throw in the towel on international hires.
Personal Renaissance (formerly known as the mid-life crisis)
Last year when I had my hysterectomy I had to have a blood transfusion. After years and years of being severely anemic, a transfusion was like being on uppers for the first time! Despite the fact I was recovering from an intense abdominal surgery that went a bit sideways, I had a lot more energy than I had experienced in a decade. It was incredible! Then, in the summer, we quit drinking alcohol and my quality of life increased dramatically. Gone were the lethargic days, heartburn and fuzzy-headedness.
Given these things, I decided to change up my meds at the end of Rocktober and WOWEE I am not kidding when I say it changed my life. I suddenly had a lot more energy, my PLS symptoms got better and I wanted to do more things for myself such as work out and have a decent skin care routine. So I did!
I learned how to make my skin feel and look better with budget products (thank you to the budget videos by Dr. Idress!). I signed myself back up for physiotherapy and massage[1] in an attempt to build strength and decrease spasticity and so far it is working really well. I also started spending a little extra money on getting my hair and nails done professionally. For someone who has NEVER really spent much money on beauty products it has been a super large leap for me to actually care about those things[2] ! So far I have zero regrets: I look better, I feel better and I am generally more confident and feel less frumpy.
We have added a few extras back into our budget and it feels good to splurge a bit more. We don’t eat out at all but instead have a lovely fancy dinner once every couple of months. It’s really worked out in terms of value because there is a lot of space around these splurgy events so they stand out and are truly enjoyed.
I also am currently taking an art class through the city. It reaffirms that I am definitely not an artist but it’s been a great, soothing way to spend Mondays during the indoor months. It’s lovely to be in a room of folks all similarly concentrated on their small art projects and most of them on my level: enjoying the process but aren’t lying to themselves about their artistic abilities. I think doing things is fun even when you aren’t good at them. Maybe even ESPECIALLY if you aren’t good at them because the pressure to perform is off.
Budgety 2025
I mentioned previously that we had met all of our financial goals. The house is paid off. We have a solid income via my disability to support our family (and life insurance should the worst happen). Mr. Tucker’s retirement accounts are definitely coasting – and by that I mean that when my disability income replacement ends in 16 years, it will have increased enough via compound interest to support a pretty darn good lifestyle when combined with CPP/OAS – even if we never put another cent in.
Still, our cash savings is lower than I’d like it to be given that should Mr. Tucker lose his job AND we lose our renters, it would just kill our budget. So this year is about getting those cash reserves up in 2025 so that we can carry everything we need to in an emergency. I think we will be laser focused on getting cash into our TFSAs this year.
Another win for us is that we have fully funded The Eldest’s RESP! By that I mean, we have caught up to the point where we no longer get the 20% matching (up to $7200) from the feds. So now we only have 2025-2026 to get the full matching for The Youngest.
RDSP contributions are also done. The Disability Savings Program is so strange in the fact that you can only get grant matching until December 31st of the year you turn 49. Whomp whomp: I turned 49 in December. I can’t be mad at the 100% return on the RDSP grant though.
This brings me to another finale in our childrearing years: now that The Eldest is 16, the last big thing we will pay for is her driving classes and her driver’s license. I am signing up for her classes this week so that she can take her G2 exit exam as soon as possible & then next year she can get her full G. Combined with the money we have invested to help her get her jobs (ski instructor in winter, wading pool attendant in the summer), her driver’s license, and money for education, she is all ready to be an adult out in the world! Two more years and her sister will follow suit!
This is The Youngest’s last year of snowboarding lessons and next year she will take her snowboarding instructor course. This summer will be her last year of sailing lessons where she will hopefully be able to get her CanSail 4. We will get her CPR/SFA and her motorboat license and hope that next year she can come back to be a sailing camp instructor. The we will get her driving lessons and pay for her license and she is off as well!
It is crazy to think that we are almost out of summer camps and kid activities. It’s been a long and expensive road but I truly believe it is worth it. I have zero regrets about having kids and the expense of children generally. My kids are amazing and while I recognize that parenting isn’t for everyone, it has definitely been a worthwhile wonderful adventure for us and I genuinely like my children as people[3].
You have to kick at the darkness…
I have been trying not to mainline news but the news is still mainlining me. Even Youtube feels like a game of whack-a-mole and chicken all at the same time. I click “not interested” and like a Hydra, a new political video pops up in its place. It seems that everywhere I go it’s just one crappy headline after another. The fact that we are in the coldest and darkest days here in Canada definitely doesn’t help. Then of course, tax season is coming down the pipe so it is almost time to round up all of our paperwork for that. Until then, we are trying to stuff our tax-advantaged accounts as much as possible to reduce our taxable income (because I *always* owe because they don’t tax CPP-D at the source).
But there are still glimmers of light! Since divesting from social media many friends have reached out via Signal, email or text. The evenings have been spent sitting in front of the fireplace with tea and books. Mr. Tucker and I start our days with coffee in the dining room where we have fresh flowers to remind us that spring does eventually come (it never feels like that in January and February). I even paid our veggie CSA this week, so that is also a harbinger of a new year. In the mornings, we light a beeswax candle and start our days softly chatting instead of picking up our phones. Mr. Tucker has even spent some of his down time picking oil painting back up again.
I guess that is just it, when it comes down to it: you have to just keep focusing on the little joys day-to-day & trudging forward with your goals and dreams.
[1] Our benefits partially cover some of these expenses
[2] I know some people will feel that vain but so be it: we all have different splurges and that’s ok
[3] So far! I hope it stays that way!