Tag: new year

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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

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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!