Tuesday, December 24, 2019

2020 Goals

As I mentioned in my 2019 goal update post, I have lost a lot of will to do new things or discipline myself in some areas of my life. I think I need to ease up on the goals this year as it's just no use.

Included on my list this year are mainly things that absolutely HAVE to be done anyway, and two things that I would like to work on.

1. Go to the office every day (when I'm not ill, of course). I stay home to work a lot. I think I need a reason to leave the house.

2. Make a plan to exercise every day, whether this happens or not (this usually gets done during my weekly planning).

Fixing my sleep schedule and dating are no longer goals. I completely give up on both of these things.


Financial Goals

  1. Revise 2020 budget if I end up quitting my job and moving back home to finish up my PhD.
  2. Review insurances, will, and Master Financial documents.
  3. Get the above in a specific place that only my trusted loved ones know how to find in case of an emergency.
  4. File US taxes.
  5. File state taxes.
  6. File FBAR.
  7. File NZ taxes. 
  8. Cancel basic Renter's insurance (including public liability) if I move to the US. In 2019, it was $358.42 for $12K with $1K excess. 
  9. Look into health insurance for my US trip/move home. Research options like Medicaid as I will be low-income.
  10. When I am in the US in Sept/Oct, check Experian and Equifax credit reports from the US. Check TransUnion after October 13. Continue to check in on my scores quarterly via CreditKarma. (Note for future years: Equifax made me call in: 877-322-8228 to order my report--they refused me online.)
  11. Use airpoints for travel as often as I can.
  12. Apply for cc's strategically: see here
  13. Save $500/mo to long-term House DP goal for a total of $50K.
  14. Take a break from saving $500/mo. Create new goal when moving plans are sorted.
  15. Put overages toward short term goals like my PhD Fun Fund.
  16. Track every penny and stay out of debt.
  17. Track peer to peer lending and contribute more $$ to high risk loans to maximize interest profits.

Travel/Experiences/Social
  1. Research/fantasize future trips (post-PhD) when I need a pick me up: e.g. Cook Islands, Hawaii, Iceland, river cruise through Europe with my mom and aunt.
  2. Talk to friends about coming over to NZ for my PhD graduation + trip afterward.
  3. Think about Belize 2022.
  4. Find something fun and social to do for Xmas and New Year's Eve 2020.

Learning/Projects
  1. Practice Spanish as often as possible (Duolingo).
  2. Create a regular practice of doing splits/stretch/yoga.
  3. Try meditating before going to bed.

Career
  1. Try to finish up my PhD. 
  2.  Notice when I am being exceptionally harsh on myself and use my compassionate, kind voice instead of my self-critical voice.
  3. Celebrate tiny 'wins.'
  4. Practice self-care (therapy, self discipline, breaks, ask for help, etc.). 
  5.  Revise/update my CV with new talks/outreach/publications.

Medical/Physical/Mental Health
  1. Do weekly meal planning. Try to stick to $50/week budget for 3/4 weeks of the month.
  2. Take time to organise my week every weekend. 
  3. Track progress on blog to be held accountable.
  4. Floss every day.
  5. Get normal yearly check up, +thyroid levels.
  6. eye surgery follow up appt: Scheduled for January. Now March, hopefully the last one!
  7. eye appointment for reading glasses prescription.
  8. Get flu shot.
  9. Get dental check up. Scheduled for January & May
  10. Make dermatology appointment. Treat eczema. Try taking showers instead of baths, keep food log.
  11. Treat yo'self! Right now, my favorite treat is a weekly massage.
  12. Find new physio.
  13. Avoid twirling my hair/find another way to manage my stress.
  14. Use break reminders and internet blockers strategically.
  15. Find new therapist for PhD + social/interpersonal relationships & microresolutions.
  16. Keep a log of foods that obviously make my stomach upset or make me feel off somehow.
Other

  1. Back up new laptop computer several times a year: January/May/November.
  2. Test that google back up goodsync is working to back up my google drive at work in February. Make ISO of HD twice a year (March, November).

2019 Goal update

Just a check in on this year.

It wasn't as rough as last year, when Dad got cancer, but it was still extremely tough. I just want to feel very safe and secure, and so hardly ever want to leave my room/my house. It just takes so much effort! So a lot of my goals below remain unfulfilled. It's OK though. My perfectionism course taught me to how to forgive myself, don't be too hard on myself, and wipe the slate clean. 

My main goals were to exercise daily and get on a more normal sleep schedule. Halfway through the year, I started doing very well on the first of these. I joined a gym, and was pretty regular in my attendance of their fun dance and stretch classes. I even did some treadmill and elliptical on days without fun classes. I had a hiccup when I went to the US for a trip (I joined a gym there but it was a 40 minute drive one way and the dance classes were NOT strenuous--they were made for seniors and/or folks that don't work out very hard. I barely broke a sweat in any of them, but hey, I tried, and it kept me moving.) Once back, I had deadlines upon deadlines, eye surgery, and then more deadlines, but got back into it last week.

But wouldn't you know--that gym is being torn down and is no longer going to be a 2 minute commute from my office anymore. I still have a membership, but the commute back and forth will now take me a half hour total, walking up hill one way. I'm not sure I'll keep it up once the convenience is gone...

A 'normal' sleep schedule continues to elude me. I think it is hard wired. I've tried everything! It is important to try to conquer this as I will have to when I get a 'normal,' non-academic job post-PhD, but sleep quality is pretty good. It's just that the time frame is just terribly off-set from most people's cycles. Oh well. I think I need to let this go a little, and cross that bridge when I have to.

Financial Goals

This is the category, of course, in which I excelled the most. I did most of these. I started on #1, #5, #6, but didn't finish them as completely as I'd have liked. Those are half-done.

  1. Review 5, 10, and 20 year financial goals and make sure I'm on track to achieve these. My dad's illness threw a wrench in the works and my savings took a big hit.
  2. Revise 2019 budget, taking into account my 2018 budget failures and successes, and #1, above.
  3. Review my NZ retirement allocations.
  4. Review my US retirement allocations.
  5. Review insurances, will, and Master Financial documents.
  6. Get the above in a specific place that only my trusted loved ones know how to find in case of an emergency.
  7. File US taxes.
  8. File state taxes.
  9. File FBAR.
  10. File NZ taxes. 
  11. Renew basic Renter's insurance (including public liability). In 2019, it was $358.42 for $12K with $1K excess. 
  12. Renew disability insurance. I cancelled this.
  13. When I am in the US in Sept/Oct, check Experian and Equifax credit reports from the US. Check TransUnion after October 13. Continue to check in on my scores quarterly via CreditKarma. (Note for future years: Equifax made me call in: 877-322-8228 to order my report--they refused me online.)
  14. Remove/dispute sister's authorized user cc entry from all 3 credit reports. TransUnion, Experian, Equifax.
  15. Use airpoints for US trip in 2019. ETA: used miles for half of my flights.
  16. Apply for cc's strategically: see here
  17. Save $500/mo to long-term House DP goal.
  18. Put overages toward short term goals like my PhD Fun Fund, new laptop, new phone, and a DSLR.
  19. Track every penny and stay out of debt.
  20. Track peer to peer lending and contribute more $$ to high risk loans to maximize interest profits.

Travel/Experiences/Social

I'm not very good at social things anymore. I just don't care about making new friends, etc. when I am struggling to connect with and spend time with the friends that I do have. Everyone is so busy with their own lives, girlfriends/boyfriends, husbands/wives, kids, new houses, etc. They are moving on but my life is stagnating a bit.

  1.  Go to a meetup or other event/class where I know no one. --> doing this tomorrow on Christmas Eve! I'm going to a friend of a friend's orphan Christmas party. Under the wire...
  2. Do Coast-to-Coast hike. I'm thinking via e-bike if I can get my hands on one. -->nope. maybe next year
  3. Test drive an e-bike. -->nope. maybe next year
  4. Visit family in US.
  5. Research/fantasize future trips: e.g. Cook Islands, Iceland, river cruise through Europe with my mom and aunt.
  6. Visit the Stardome. -->nope. maybe next year
  7.  Find something fun and social to do for Xmas and New Year's Eve 2019. --> sort of? I have an orphan's xmas party happening and was invited to another acquaintance's NYE (I'm not sure I'm going though).

Learning/Projects

About half-successful here. 
  1. Explore new hobbies. Invite interested friends to try particular classes: pole dancing, hip hop, other dance, etc. -->did lots of new dance classes at my gym this year :)
  2. Learn the constellations. Nah. I'm never doing this.
  3. Practice Spanish as often as possible. June update: so far, I do a lesson in DuoLingo almost every day. Dec update: according to duolingo, I did a lesson 151 days this year. Good enough for me, though I'll try to make it more often.
  4. Create a regular practice of doing splits/stretch/yoga. -->I did for a while but then fell off. I can't seem to make myself do this consistently. It's just so boring and takes so much time every day.
  5. Create a regular practice of meditating. --> I definitely do more of this but I'd love to make it a 'just before sleep' habit as it makes me incredibly tired.

Career

I did a couple of these well, others...not at all.
  1. Update my CV, LinkedIn, Twitter, blog, staff page, and Researchgate profiles for work in July and December. --> nope. I don't seem to care about my career anymore. I will do these things when I need to.
  2. Get colleagues/friends to check ease of use and professionalism of career blog/website. --> ditto above. probably while I wait to hear about my PhD once it is done.
  3.  Apply for one grant or award. --> nope. this is extra work.
  4.  Give one public outreach talk. 
  5.  Present a research talk.
  6.  Submit first paper for PhD. -->failed
  7. Notice when I am being exceptionally harsh on myself and use my compassionate, kind voice instead of my self-critical voice. -->getting better at this but I still am not coping when my supervisor is mean.
  8. Practice self-care (therapy, self discipline, etc.). --> pretty good at this! I get a massage every week, plan my work and food and social life and housework well.

Medical/Physical/Mental Health

Like everything else, I've been ignoring my health a lot in favor of just keeping myself [mentally] comfortable. I don't feel like I can be adventurous lately, I just want to cocoon and do the same things over and over again, and never leave my house. This has caused delays in my efforts here.
  1. Re-write my Foodist Kitchen 30 Day Challenge into one for Exercise.  --> nope.
  2. Re-write my Foodist Kitchen 30 Day Challenge into one for Sleep.  
    --> nope.
  3. Use Leechblock to slowly move my bedtimes earlier.   --> nope.
  4. Track my time.  --> nope.
  5. After sleep schedule is sorted, track my time and moods, ID inefficiencies, and schedule my days optimally.  --> nope.
  6. Do weekly meal planning. Try getting groceries delivered/compare costs. June update: I now do a mix of grocery pick up when I have the car and grocery delivery when I don't. Dec update: This is DOWN. I now even can get it to < $50/week if I really make this a priority.
  7. Take time to organise my week/month every weekend. --> YES. this is key to me feeling any kind of sanity during the week.
  8. Floss every day. --> almost every day!
  9. Get normal yearly check up: +thyroid levels. --> I've been ignoring all but my eye health, really
  10. eye appts: july, august, nov
  11. Get flu shot.
  12. Get dental check up. June, December --> postponed Dec appt as I had eye appointment the same day.
  13. Get dermatology appointment  --> nope.
  14. Meditate a few minutes every day. I like the free 'Let's Meditate' app at the moment. Also, I bought myself a HeadSpace account for 2019.  --> see above.
  15. Treat yo'self! Right now, my favorite treat is a weekly massage. --> YEP!
  16. Find new physio? --> nope. I need to.
  17. Try out new posture corrector. Update Feb: I can't tell if it is working. I'll continue to use it an hour a day, though. Dec.: I stopped doing this. It's just too weird and I can't even tell if it is doing anything.
  18. Set reminders on work computer to move around more during the work day/take breaks. --> Tried ENSO retreat on my home laptop and it's not terrible. I need to shorten the time periods as I always find a way to skip breaks.
  19. Continue seeing therapist at least once a month. Change up focus from PhD to other issues (social/interpersonal relationships & microresolutions, see below). --> my therapist dropped me from her rolls while I was in the US. She also wasn't able to switch up direction like I felt like I needed to. I have recs for new therapists, will need to make an appt soon.
  20. Try a shorter version of an elimination diet like Whole30 or Perfect Diet. --> I've started keeping a log of foods that obviously make my stomach upset or make me feel off somehow. It's a start.
Other

Eh. Boring tasks. I didn't have time/do well on these either.
  1. Back up home computer and Surface Pro several times a year: January/May. Got new laptop and transferred files using a 750 GB external hard drive in September--so my main laptop is backed up in the US now. I have two 1 TB external HDs for NZ and the US now. -->haven't kept up with my schedule
  2. Test that google back up goodsync is working to back up my google drive at work.-->I really need to do this!
  3. Identify pieces I want for my ideal wardrobe:
    1. Right now I'm obsessed with finding a silver sequin jacket -->nope.
  4. Work on ancestry book for both sides of family. -->haven't even touched it
  5. Treat eczema, avoid twirling my hair (I think I'm going bald in one spot!). --> did ok, except when I was super stressed this year.

Next year I think I will switch it up. I'll have the needed things like medical appointments and financial deadlines that HAVE to happen but will let go of all the 'wish I could' things. I also want to switch up my main goals as the sleep thing just isn't working.

Saturday, December 07, 2019

LASIK: I'M LIVID

Well, I'm livid.

I went for my 1 week check up for my eye surgery last week, this time with the head nurse. I said I'd had some bad headaches but otherwise my eyes felt like they were healing fine. Honestly, compared to the first time, it's been a breeze. Lots of eye drops, but otherwise less pain. When I did try to do some work, because I was feeling so well, I got terrible headaches, though.

She did all the vision tests and told me my distance vision had improved ever so slightly from 20/20 to better than 20/20 in my operated eye already, wasn't I so excited?!

I then said, Well, I never had issues with my far vision. My complaints, the whole reason I kept coming back for check ups and was worried, is because I couldn't see close up starting right after my LASIK surgery. I am having issues with close up vision still, which I thought the follow up surgery was fixing, but I'm still getting headaches and can't see up close without feeling like I'm straining. Maybe it's too early to see results?

The nurse THEN said, No, we didn't do anything to your close up vision in your surgery Friday. We didn't improve that at all.

WHAT THE ACTUAL....!!!!

The ONLY reason I agreed to the surgery in the first place--I had felt my doc was a bit surgery happy and quick to suggest and go for that option since the beginning--was because I thought it was going to improve my life in some way!!! Since my surgery, I've needed help with close up vision, not distance!

When I agreed to the follow up surgery, after talking about my reading vision and troubles in my right eye at length (my left eye seems almost perfect in reading/distance--I wish both were the same), he said he suggested additional surgery to "balance out my eyes." Naturally, I thought he meant...balancing out the difference in my reading vision between my two eyes!!! The doc and clinc I go to has 5 star reviews across the board and no complaints online, so I trusted them/him.

BUT NO. Apparently he 'tweaked' some little distance vision in my right eye in my surgery last Friday. I NEVER HAD TROUBLE SEEING FAR after LASIK, so I consider this last surgery completely unnecessary. After she told me the news, I was dumbfounded. ALL OF THAT stress and a whole week off of work...for absolutely nothing. For the trouble and worry of babying my eyes lest I dislodge the flap that they manipulated.

I get so anxious about anything having to do with my health, and the fact that I was basically tricked into getting unnecessary elective surgery BOILS MY BLOOD.

When I sat down in the car after the check up (it was over almost right after that conversation), I immediately broke down in tears. All of that stress and worrying I did, and it didn't even improve anything? I'm still close to tears a day later about it, just thinking about it. I feel stupid and embarrassed and I don't know what I'm going to tell my parents, because they have been so worried about me and this surgery.

I have to go to another follow up appointment in January.

I don't know what to do about this? Talk to the doc about his lack of communication? Give a bad review? What recourse do I even have?

Wednesday, December 04, 2019

Part II: LASIK RE-Correction

Last year--27 July, in fact--I did one of the scariest things I've ever done (including several stints of public speaking) and let lasers cut into my eyes so that I could walk around without glasses or contacts.

Some Background
My first memory of hearing about LASIK/corrective eye surgery is of a Simpsons episode, where everyone that got the surgery goes blind in 10 years' time. I've never forgotten that episode, and thus started my fear of the procedure. I thought I'd never be able to make myself do it.

via GIPHY


As much as I wanted to be glasses and contact lens-free for hiking, camping, and in the rain, etc., I just couldn't get around the whole 'cutting into my eyes' thing. I tried everything else available: contact lenses that were designed to stay in your eyes various lengths, eye training books and exercises, and "braces for your eyes" aka orthokeratology (where you wear hard contacts at night that reshape your corneas so you have perfect vision, and then nothing during the day). The Ortho-K lenses and procedure costs several thousands of dollars, and I had to get one of my lenses remade. I'd heard that some people only had to wear their lenses once a week or two weeks and I was hoping I was one of them. Unfortunately, I was not. My left eye was perfect--it held shape for several days without having to wear the lenses, but my right eye would start to degrade in the evening hours. It is highly possible that the Ortho-K experience started to wear out my lens focusing mechanism (this is why people need reading glasses when they get older). After you stop Ortho-K, your eyes are supposed to go back exactly how they were, but mine didn't. My vision improved by like 2 diopters. I went from -4.5 ish to -2.75 and -3 ish. Even 4-5 years later, when I finally decided I wanted LASIK, my vision hadn't gone back to where it was before.

Anyway, I got LASIK, and then stopped being able to see up close immediately. I used to be able to see the split ends on my hair, for example. That ability is LONG GONE. The eye doc said it was because my eyes were swollen and their shape would go to something more normal allowing me to see up close when they healed. But I kept going back to the LASIK eye doc long after my post-op check ups were supposed to end.

Because: my left eye healed well enough that I could read books pretty normally, but I still can't see the ends of my hair like I used to. My right eye never did go down, and I have had major issues reading anything. I get severe headaches when I'm on the computer or reading for any length of time (which is necessary during a PhD, not to mention the hour or so of reading I do before bed every night). I took to closing my right eye and buying all sort of reading glasses and popping out the left lens (which looks real professional in the office, let me tell you).

So I went back to the surgeon and didn't stop complaining. I was really hoping that they would say that I was still healing, etc., but they kept saying I had convergence deficiency and farsightedness came with old age and blah blah blah. In October, over a year after my surgery, they said I wasn't going to get better and I needed more surgery on my right eye to 'balance' out my vision more. I initially didn't want more surgery--it took so much for me to get in there in the first place--but I eventually relented after the headaches got worse. Last Friday, I had the surgery on my right eye again.

Cutting to the Chase
Pre-Surgery
During my pre-op consult, the doctor mentioned something about a "contact lens bandage," which I didn't have to do the first time. He was also slightly evasive about what would happen if my lens flap (cut the first time around) was completely healed up as it had been a year and 3 months since my first surgery. The optician I was talking to afterward also dropped some weird comments about a different procedure if the flap didn't open, and that caused me some worry. So I did some of my own reading and googling, and THAT IS NEVER A GOOD IDEA. Apparently, when the flap is healed (which it does between 1 - 3 or more years after surgery--crazy!) they can't cut a new flap and have to do a surface treatment like PRK which apparently is more painful and much slower to heal--like up to a month of healing rather than a few days to a week with LASIK before you can get back to normal activities. So I totally freaked out, of course, because my first surgery was painful and it's almost summer and I have a lot of beach time planned!

Anyway, I was freaked out. I really didn't want to go forward with it the few days beforehand.

The Surgery
It was scheduled for around 10:15 am; I had to show up around 9:10 am. The pre-treatment was nearly the same as before: tylenol pain killers, anesthetic and other eye drops, cleaning the area with alcohol, bootie and hair covers, etc. This time I asked if anyone had ever sneezed or coughed in the operating room, and she said yes--the most important thing is that you tell the doctor if you know you need to do one of those things. This time, the one things that was majorly different was that I was taken into a different room so that the doctor could look at my right eye under the microscope, TAKE A MARKER (obviously a special marker) to MARK WHERE MY EYE FLAP IS. Just like the first surgery, I felt nothing and it didn't hurt. The doc said there was a chance the flap would be healed up and I'd need to come back for a different procedure (the PRK I read about, clearly).

They walked me to the operating room and I lay down on the operating table like last time, only this time I didn't get swung over to the left machine because the flap was already cut. I was swung over to the right machine and the machine was immediately lowered very quickly, freaking me out because I'm claustrophobic and it was all happening so fast. They covered my left eye with a patch so that I wasn't distracted by it, they taped my top and lower eyelashes down, and put in the retractor thing over my eye so that I couldn't blink. This is uncomfortable at first, but not painful at all. So I was looking at a green ball of light like last time--and the doc said to follow the green light wherever it moved as he took what looked like a very tiny sharp wedge shaped knife (cue me freaking out) and did...whatever he needed to do to pull my lens flap back. There was brushing, there were tools moving (steadily, confidently), there was STUFF happening, but I was distracted by following the green light as it streaked right first, then back to center, then left, and then it became a fuzzy ball of green light, like it was last time when my flap was pulled back. The doc said that the flap moved back easy! and I relaxed a little.

Then the laser made a noise, I smelled THAT SMELL again, and the actual corneal reshaping was over in milliseconds, maybe one second.

Then more brushing, flushing with fluids, etc as the flap was replaced back. Doc mentioned a 'haze' on my cornea, and ordered a 'contact lens bandage,' which was placed over my eye. It immediately felt better and almost nice even. The retraction was removed.

And then the WORST PART OF ALL: they pulled the tape off my top and lower eyelashes. Honestly, people, tape being pulled off of delicate facial skin and hair is the most painful and worst part of these surgeries.

Then they put another piece of tape over my eye and taped it shut. They took me to the recovery room, where there was tea and water and Hershey kisses and a nice easy chair. I was almost immediately on my phone, taking selfies and texting my mom and dad that I was OK. That happened at 10:34 am, so the surgery happened very quickly!

I went home and anticipated the pain and fatigue from the first time around, but it never happened. I took one of the diazepams they gave me and fell asleep until my post-op appointment at 4 pm that day.

I probably went back to texting and watching tv way too soon. I just felt...fine. On Monday, I had another appointment to get the contact lens bandage removed. It was good because it was feeling quite dry and irritating to have it in there. They numbed my eye again and told me to look left while they used forceps (!) to remove it. My eye felt weird afterward but somewhat relieved.

Now, 4 days later, my eyes are dry and my 10 eye drops a day regimen, 4-6x a day for each of the two meds, plus lubricating drops, and I am not sure if the surgery worked yet. I *think* that I can see up close better, but my vision is hazy, cloudy, and blurry. I hope I didn't improve my reading vision in my right eye and compromise my distance vision!

We'll see. My next post op appointment is on Friday, a week after the surgery. I've taken the week off of work to recover, so I am not forced to stare at a computer all day yet.

Podcasts and audiobook recommendations are welcome! I like non-fiction story-telling ones like The Habitat, The Dream, Serial, S-Town, but fiction ones are great ones too.

Tuesday, December 03, 2019

Examining Life Choices

A few thoughts:

  • Single and Childfree at 40+. THIS article described me as I approached 40 and pondered the having kids thing. I don't want them, but there are very few visible role models out there for women like me--middle age, not super focused on career NOR family, living their best lives despite society telling us we have not done our duties and are therefore worthless. One thing that I really dislike is that I struggle mightily to find books that have protagonists similar to me. When I do, the women are defined as spinster-y and desperate to not be at any cost. Where're our middle aged women, out having a blast and doing cool shiz, undeterred by their (shock-horror) single, childfree statuses? Whose lives are not hyperfocused and centralised on settling down with the first guy that seems suitable? Seems I am not the only one who has had this struggle.

    I've made peace with the fact that "alone" is how and who I am and may always be, but society has not. It's frustrating to constantly get told by loved ones/society that that is wrong, I am wrong. Nope. I really am not. Just like many others like me. SHUT UP AND DEAL WITH IT.

    Society likes to paint the likes of me as cynical, jealous and bitter. Am I resentful and bitter? Yes, yes, I am. But it's not because I wasn't "chosen" by a special someone as worthy enough to lock down and get knocked up with his kid; I'm that way because society doesn't want to give me an option to NOT be bitter and cynical if that doesn't happen or I don't want that path.
  • Moving Back Home. Along that same vein, letting go of being/feeling 'incorrect' gives me a lot of freedom. I no longer need to be in a city/major populated place where I may cross paths with eligible men at any moment (not that I do!). I am seriously considering quitting my 11+ year passion/job and main source of income to go back home to the US, help out my aging, 70+ year old mom and ill family members: dad, sister, and aunt, and finish up my part time PhD (mostly computer work/data processing and interpretation, and write up at this stage) at home. I'm THISCLOSE.
  • Quitting My Job. The quitting of the passion/job is partly because I'm not getting what I used to out of it. If I'm going to be a low-level, low-paid employee like I am, I want to get back to the fun stuff, the roots of it--helping other people out with their projects, the fieldwork, the support stuff, the freedom to daydream cool new projects, and having plenty of time to do it, rather than the frustrating day to day uber deadline-y project management admin stuff where I have to run every minutiae by my absentee and now-disengaged bosses. I'm tired of being the only person who cares, and not being recognised for my contributions and achievements. It'd be a different story if a) I were full time so I had time to do all the things, b) had complete control over every aspect of the project, and c) were PAID ENOUGH. But those things are never going to happen. I am the ONLY person who cares and keeps things running and there is no room for promotion or raises, so I have to be done.
  • A Semi-Serious Note To Parents: You Are Not Your Baby. I'm very tired of of feeling guilty and apologizing for feeling like this. This sounds terrible, I know, esp in light of my argument above about being cynical and bitter, but I'm tired of friends sending me photos and videos of their babies, usually in five "different" shots which all look the same to me. I'm not a baby person. I never have been. I don't get a kick out of it. You chose to have that baby; I did not. No, I don't want to hold it, unless I'm doing you a favor and letting you go to the bathroom unencumbered, because I care about you and don't want your bladder to burst. You are not your baby. If you know me at all, you know that I like you and dogs and dislike cats and babies. So send me pictures of a puppy or yourself! I will be guaranteed to appreciate the thought you took to remember that I exist and what I like, which isn't babies, which you know. Your baby isn't an exception to this general preference of mine. I'm very, very sorry about this. Your baby looks like...a baby. Which doesn't suddenly get cute to me just because you clean its poop 12 times a day. A lot of living beings can reproduce and make copies of itself. That is how life works. It's why we have hundreds of millions of cats in the world. And even more people. Like billions of them. So, I'm sorry, again, but ...this kid of yours really isn't that special in the whole Universe spectrum of things and multiverses and quantum physics and black holes. What can I say, at least you aren't sending me pictures of cats? (p.s. if you have a picture of a black hole I would be interested in seeing that.)

    I care about you, and I care that you care about your baby. But the transitive property doesn't really work here, in that that fact doesn't mean that I care about your baby in the same way that you do, and I am very sorry about this, as well. To me, it's more like--oh, awesome, you got that new car that you always wanted and saved up for for ages. That's awesome!! You should enjoy your new car and take care of it because it needs it and because you love your new car, but your care doesn't mean that I need to take it for a spin or even want to hitch rides from you necessarily. That's your thing. OK, back to actual babies. The arrival of your new baby necessarily means I have declined on your ladder of importance to like 55th in your life now and you need to spend 99.9999% of your life thinking and worrying and focused on your baby and I am totally OK with this, that is how it is supposed to be to keep a tiny human that you love more than anything else (I hope) alive, thank god my parents did this too, but if you HAVE to send me the odd photo of your baby at least please use 0.0001% of that leftover brain power to send some sort of note or text from yourself. Because you still exist, you need friends that aren't your baby, and you are not an extension of your kid or some puppet that they are mastering. Also, your baby does NOT wish me a Happy Thanksgiving, she doesn't even know what her toes are really. YOU ARE NOT YOUR BABY. YOUR BABY IS NOT YOU.
  • Back Under The KN-EYE-FE. I had to get LASIK recorrective surgery last week. Talk about frightening life choices! The first time was scary enough, and I had to talk myself into letting one of my eyes go BACK UNDER the knife in order to fix an overcorrection from the first time around. I'll have to get around to adding the details for round 2, because things were a little different.

Tuesday, November 12, 2019

Arizona Trip Notes

I have a work thing in Arizona next year. I am going to tack on a trip home afterward. Just a few notes for myself about airmiles to get to/from AZ...


AZ to my hometown area: $210 USD

--Delta is a no go from AZ.

--American airlines: "something went wrong. This trip can't be booked online."

--United's flights from AZ to my hometown area are 32.5K (ick)


My hometown area to SFO: $260 USD

--Delta: it's 34.5K

--American airlines has the cheapest flights from my hometown area to SFO: 5K airmiles

--United: 12.5K



I'd like to keep my United miles as much as possible. The other airlines are good pretty much only for US flights.

Monday, November 04, 2019

AMEX Suckering update

I previously mentioned that I got suckered into keeping a credit card by AMEX NZ.


Well, that situation is now resolved. I canceled the card. They never posted the points to my account, despite saying it would be done within 48 hours. I don't know what happened, and I didn't ask the representative about it when I called back and cancelled my account today.

All's good in the hood, then! In a year and a half (18 months after the last closing statement; June 2021), I can apply for another AMEX NZ account and get some bonuses. :) 



Saturday, November 02, 2019

$50K Savings Goal is Almost Complete!! What's Next?

Check out my sidebar for the cause of my excitement -->

Under Long-Term Goals, you'll see that I am an achingly, tormentingly close 97% of the way to reaching my House Down Payment (HDP) Fund goal of $50K NZD. In three months, if all goes well, it will be completed.

It's been a long time, guys. This is the first mention I could find of creating this goal. Over 10 long years ago. For the past decade, I have set aside money each month without fail, and watched that percentage bar crawl further right. My monthly contribution has varied between $250 to $600 (I contribute $500 each month currently), depending on my salary and life set up (got laid off, went to 80% FTE, then to 50% FTE with a 50% part time PhD salary).

That fund represents my New Zealand life, and also my leap forward into adulthood. I created it because I was finally ready to think about settling down and buying a house so I could get a dog. Now, of course I always knew that $50K wasn't going to be enough for a down payment, not in NZ, and not in the areas I wanted to live in the US. However, setting a goal of $200K seemed ridiculous, and $50K attainable. So there you have it.

With that, I am 25% of the way towards buying a $1M NZD house (I chose that number because, currently, $1M NZD can get you a fixer upper with yard space in outer suburb Auckland). At that rate, it should only take me...3 more decades, into my 70's, to actually reach my $200K goal of having a 20% down payment on a $1M NZD house. And by that time, $1M NZD still won't be enough. Whatever. That isn't the point. The point is tenacity, seeing a goal through to the end. Believing that I could do it.

And I almost have.

What's next?

Honestly, I'll likely celebrate and take a month off as it will be February when I reach that goal and I'll want to enjoy the summer. So I'll plan on taking a short break and using the money I would have saved ($500) towards something I want at that time. Afterward, I'll of course need to continue saving up for that house down payment as my ultimate long-term goal. Once that is achieved, another long term goal can take its place, but I can't think of anything else I want more in the long-term at this stage. (I contribute 8% of my salary to retirement investments automatically, and consider that separate for this conversation.) Other than a house and retirement, all of my other interests that require money would be considered short-term goals (reinstating my disability insurance policy, going to specialised doctor's appointments like the dermatologist and a therapist, buying a bike--maybe an electric one, travel here and there post-PhD, upgrading my wardrobe to classic pieces). All of those $$ goals can be easily accomplished through my monthly overage savings, when I don't spend as much money as I budget for each month.

What else could I even save up for or want that money could buy??? I feel like I have it all. Everything that I could want, material-wise, other than a house/yard. No, the other things that I want in my life that I don't have, you cannot buy.

Additionally, when I accomplish this $50K goal, I'll think very hard about where to store it, and how to grow it. I've hit roadblocks (US tax issues) on that front, so, currently, my HDP fund is safe in a liquid savings account, but I want to figure out another way to invest and grow it that won't incur ridiculous US tax liabilities. I am thinking of plowing a portion of that $50K into peer lending, which has been really good to me over the past few years. The return rate is great (~12%), and could help that money grow a lot more than it does currently (~2%). Another option would be a CD, but rates just keep getting slashed here. I wish they were as high as they were when I first arrived in NZ!

I could convert it to USD so I could invest it in stocks without so many tax implications, but I don't know where I will be living later in life. I don't want to have to pull it out and lose money on the conversion again. So, I probably won't do that.

In any case, I have a short-term plan for my long-term goal fund:
  • Reach $50K, 
  • Probably take a short break, 
  • reinvest it in more lucrative vehicles, 
  • keep saving up

Wish me luck!

Monday, October 28, 2019

The $50 Grocery Budget: Cooking Chronicles, Continued

In past posts, I have reviewed my foray into cooking. It was a skill I really procrastinated on mastering. It all seemed (and still is) so daunting to me. Like drawing, or juggling. To be honest, I could probably learn to juggle much easier than it was for me to learn how to cook simple dishes.

But, my late 30's loomed and I figured it was time I learned how to feed myself properly. I took an online course (Summer Tomato) and slowly started to try to cook. There have been, let's say, a decent amount of flops. There was the time when I tried to use all of the suggestions in an article on how to make mashed potatoes delicious, and subsequently ruined the dish completely. There was the many-week bout with Brussels sprouts before I realized I didn't like them no matter how they were cooked. There were a few dishes where I had to dump the whole lot down the garbage disposal after one bite. There's the fact that I still cannot make decent stir fried rice or homemade mac n cheese (I blame NZ cheeses for this one--it just tastes awful!) and I actually still use 2 min rice because...who TF has the time for dat?

Because I was learning, I never put a real limit on my grocery bill. As long as I was cooking, I was satisfied. Despite the flops and money spent over the last 3 years, I feel like I have come to a turning point and can start refining my methodologies. Here's what I normally do:

  1. Monday/Tuesday, figure out what I want to eat all of next week. I usually plan my meals around a craving I have, to be honest. 
  2. Meal plan. Select several recipes or a favorite recipe, if I have made the dish before.
  3.  Select everything I need on the Countdown online shopping website for the meals. 
  4. Either select getting the groceries delivered (it is $14 so I save this for very special occasions or when I am slammed) or picked up on my normal Thursday evening errand run. 
  5. If pick up, I select the pick up location based on which store has all the items I need. Several stores just don't carry the things I buy regularly, like ground turkey. 
  6. Book a car for Thursday. Make a list of items I need that didn't go on the list because the store didn't have them (they don't offer hot roast chickens on the site, either--when I have a meal that requires one, I have to go shopping normally for it).
  7. Pick up groceries at the end of my Thursday errand run. Put away groceries.
  8. On Saturday or Sunday, cook the meals for the week. 
  9.  And round and round she goes. It gets exhausting!
It all makes me exhausted but not as much as it used to when I first started. It's almost automatic now. The first refinement I can make is to my grocery costs, so I am going to introduce another element in there:

the $50/week grocery bill!

Countdown charges $5 for click and collect grocery checkouts that are less than $50, so I am going to try to get it as close to $50 without going under for a few weeks and see how I go. I will likely need a 'big shop' once every month to get food and household staples that are costly, like meat, toiletries, and cleaning supplies. I also will stock up when there is a sale on non-perishable items that I buy regularly. I will give myself those outs only.

Here is how the past few weeks have gone: 

This week's meals: 

Breakfast: spirulina smoothie, poached egg w/ homemade hollandaise sauce, 1/2 sandwich thin with butter
Lunch: mini English muffin pizzas with pizza sauce, veggies, shredded cheese
Dinner: pesto chicken with cherry tomatoes, mashed potatoes, asparagus 

I already had some of the items, so my grocery shop was $50.35 for:

English muffins (6): $3
pesto (325 g): $10.90
apples (0.1 kg): $0.40
asparagus (2 bunches): $6
courgettes (0.3 kg): $1.50
potatoes (0.5 kg): $1.25
strawberries (2): $8
cherry tomatoes (2): $7
peanut butter: $6
chocolate block: $4.30
paper towels: $2

 Next week, I'm having:

Breakfast: spirulina smoothie, poached egg w/ homemade hollandaise sauce, 1/2 sandwich thin with butter (am on a kick)
Lunch: courgette soup, bread, shredded chicken
Dinner: Turkey meatball zoodle spaghetti with veggies

Grocery shop so far: $50.30 for:

bread roll (1): $0.60
shredded chicken (0.1 kg): $2.90
milk (600 ml): $2.23
spirulina smoothie: $4
bacon (180 g): $5.49
capsicum: $1.50
courgettes (1 kg): $6
mushrooms (0.1 kg): $1.30
potatoes: (0.4 kg): $1.20
strawberries (2): $7
eggs (6): $4.30
crushed tomatoes: $1.20
toilet cleaner: $3.49
chicken stock cubes: $2.50
dijon mustard: $3
tomato paste: $1.49
spring onion: $2.10

The bacon and strawberries are my luxury items for the week--I had a craving for bacon and didn't have any this week. The mustard is good for dressings and I ran out, so I'm replacing it. I already have the turkey mince I'll need, as well as condiments and cheeses. 

My freezer is tiny and I have to share it with two other flatmates, so that makes stocking up on perishables really hard. I do a lot with what I have, though!!

Let's see if I can do this for 3/4 of the month going forward!

Selling the Good Points about My Flat to New Flatmates

My new (1 year in--they still feel new to me!) flatmates are applying for work permits as their current visas expire soon. It isn't certain what will happen, or if they will stay in my flat if they do get approved. I may need to advertise for new flatties soon!

I know my flat is a bit more expensive than others. I know I will need to 'sell' the flat in my ad.


First up: finances. New flatties always first ask how much rent + utilities are per week.

Base Rent: is currently $342.50/week for a couple. That is $171.25 per person per week. For a single, the rent I'd need to afford the place as Head Tenant would be unfair as I'd have to charge a ridiculous amount. So it's basically couples only.

Internet: unlimited broadband, fibre, $94/month. This is ~$8 per person per week.

Electricity: ranges from $142 ($12/week/pp) to $240/month ($20/week/pp).

Total: between ~$380 - $400/week, with utilities


Is it worth it? Hell no, not from my perspective! But, hey, people have to have a place to live, and I try to make it as nice and homey as possible. Here's what they get:



Bedroom:
--fully furnished with comfy Queen bed, 2 nightstands, large dresser, full length mirror
--two large closets (with built-in shelves and storage system) that run the length of one wall
--bonus storage closet in room
--has its own sunny (NW-facing) balcony
--5 m ceiling, lots of light
--plenty of room--can fit a desk or do yoga/workout even with all the other furniture in there
--Perfect for a couple




About the apartment and complex:
--two-story terrace house in a historic, small, quiet boutique complex
--90 m2 2-bedroom apartment plus balcony and tiled courtyard
 --completely furnished
--Countdown, Britomart, Queen St are < 7 min walking distance
 --very safe and secure: swipecard entry to complex + key/lock to apartment
--recently remodeled kitchen and bathrooms--brand new stuff!
--Washer and (new!) dryer in unit
--modern kitchen with every piece of cookware you could possibly need, huge pantry
--new dishwasher, insinkerator, oven/cooktop
--new comfy couches, new carpet, new flatscreen TV (no Sky but you can get it if you wish)
--large main bathroom with bath tub upstairs—shared by all flatties
--separate bathroom (toilet/sink) downstairs—can be theirs exclusively! Up to them if they are willing to share with guests or not; I do not use it unless the main bathroom is in use and it is an emergency (v. rare)
--extra storage under stairs in the Harry Potter closet, and in the garage storage unit
--friendly, quiet, considerate neighbours with pretty gardens
--wonderful, responsive landlord
--no dampness in winter
--cute patio courtyard to grow veggies, herbs, fruit, and flowers. Currently there are: blueberries, strawberries, limes, lemons, lavender, jasmine, gardenia, basil, mint, a cabbage tree, and assorted flowers. Small bbq for summer coming soon!
--secure garage for free bicycle, moped parking; car park spot can be added for ~$70 per week extra


What do you think?  Does this sell the place nicely?


I also include a little blurb in there about myself as a flatmate.

Full rent is $580 per week, and their portion is $171.25 per person per week. On TradeMe, there are very very few rooms available at this price or lower, and even then, they'd have to share with ~5 people and have much less space. From that perspective, it really is a great deal, even though the costs seem quite high.

(My portion is then $237.50 per week. I also rent out the car park for $70/week, further lowering my rent to $167.50 pw. Landlord loves this and highly approves of my cunning plan as then she doesn't feel as bad raising my rent every year! Honestly, though--a $2.50 pw increase every year is about as good as it gets in Auckland.)