Debt Reduction, Keto Update, et cetera

Countdown to Zero Debt

I know I’ve mentioned that I’m the financial manager of the house. When I tell this to others, my husband usually pipes up and says, “Thank god, because it would be a disaster if I did it!”

And while I don’t think he would be that bad at it, I have found that I really enjoy it. There’s something in seeing the numbers, month after month, year after year, that makes me feel as if I’m zeroing in on the pulse of our future. And more than anything, I want us debt-free and accruing savings as we ease into our 50s. My husband will hit the big five-oh in a few months, with me just 16 months behind him.

This year stands out as a banner year for debt reduction. We will come close to reducing our overall debt by almost $30,000 this year. Just typing that number, it feels unbelievable! I think we will slide in at around $29,000 – we have some car repairs that need to be made, and there could be a few bumps in November and December (Christmas presents, property taxes due, the typical stuff), but right now my figures indicate we will have reduced our debt from December 2017 to December 2018 to the tune of $30, 181.48.

I am so excited!

If we kept up this rate, we would be 100% debt free in six years. Instead, it will take closer to nine years, because we also will be raising our renovation budget as we pay certain debts off. Raising our renovation budget means getting the properties (Cottage West, Cottage East, and our Airstream) done quicker, which in turn means they will be earning money faster.

You will find more about our Airbnb progress here.

Keto Update

Ten days on the diet…mostly. I know, I know, all of you keto fanatics out there don’t need to tell me it’s an all or nothing lifestyle change. I underestimated the sheer amount of “bad” food in my cupboards, fridge and freezer.

Yesterday I spent several hours going through each of those places and cleaning them out. Except for those things dependent upon refrigeration, I put two large boxes of items out on the curb and our neighbors took everything – only the empty boxes remained!

I started at 211, and ten days later I am at 207. Yesterday I actually hit 206.5, but then we went a Halloween party! That’s okay, I’m still making progress and so far, my body hasn’t been freaking out, feeling starved, or any other issues. I feel full of energy, especially now after going to physical therapy (more on that later) for six weeks.

We are having friends over for dinner next Friday. They are also on the keto diet and we will be picking our favorite meal from the past couple of weeks to share with them. Heck, I might even make some keto ice cream! [mmmm, ice cream].

I’m hoping to make it to below 200 by the time my kiddo returns, but that’s a stretch. The reality is, this is hopefully a long-term change. In other words, a lifestyle, not a fad. I’m also delving into an excellent book that arrived today, Keto by Maria Emmerich. I want to do this right, not half-assed.

Physical Therapy, Who Knew?!

Two months ago, I was battling back, hip and leg pain on a daily basis. It felt like nothing I did (yoga, stretches, walking, nothing) made it better. I asked the doctor to get me to physical therapy, hoping against hope that they might be able to do something.

The last time I had gone to physical therapy, it had involved the use of a TENS unit (electrical stimuli) and massage, so I wasn’t holding my breath that this would be any better. Don’t get me wrong, the massages were nice, but they weren’t solving the problems. Nor were the visits to the chiropractor, and I had begun to fear getting a deep-tissue massage which felt amazing but then loosened up some areas, causing my back to snap into a dysfunctional state directly after causing me low back pain, leg cramps, and sometimes it was so bad I couldn’t even work!

This physical therapy was different, however. They did massage me twice at first, but after that the honeymoon was over and it was all exercises, posture correction, and exercise homework.

For the longest time I have been complaining that everything in my body feels like I’m turning into a turtle. Or maybe the shape of a ‘C’ – and it has been painful. The PTs showed me how to access the inner muscles, the heavy lifters in my groin and buttocks, my shoulder blades and more, the ones that are supposed to be doing the work and are made for work. Not only did I learn how to access them, but how to tone them and work them out. From glut crunches and Kegel-like exercises (I do them in the car now whenever I drive around), to better positioning of my spine and neck, my pain has been disappearing.

In the middle of my therapy appointments, which were spread out at twice per week for six full weeks, I slipped and fell down my front stairs. Normally this would mean weeks, even months of issues as my body recovered first from the initial bruising and then later snapping into a contorted spasmed position and sending me to bed for days in agony.

But while my ass has a truly epic bruise, I’ve managed, thanks to the physical therapists, to be able to continue to work with just a couple of days down instead a week or longer.

Basically, I see the light at the end of the tunnel. I see my body improving, my posture is straighter, my pain has lessened, and the muscles that are supposed to be doing the work are back at it. My flexibility has improved and I know it will continue to improve as long as I continue to do the exercises I was assigned.

Since I fell and damaged my back at the age of 18, I’ve just assumed I had a bad back. Whenever it’s bound up, or given me problems, I would say, “Well, I’ve got a bad back.”

Now I question that. What if, instead of using it as an excuse, I instead did the specific exercises necessary to strengthen those vital muscles in charge of everything? Would I still have a bad back? I don’t think so.

So I guess you could say that they changed my entire viewpoint of my body’s capabilities to heal and what my role is in it. A huge thank you to College Park Physical Therapy, you may very well have changed my life!

Posted in Financial Advice, Frugality, Goals/Dreams, Health | Leave a comment

Perchance to Keto

I don’t do diets. I never have, not once in 48 years of living. And frankly, when I first heard about the ketogenic diet, I thought it sounded absolutely nuts. Of course, it was my dad talking about it, so as soon as I heard “low carb, high fat” I thought he had lost his mind.

And every time I took him to the doctor (he’s been living with us for two years now) he would tell the doc, “I would prefer to be on the ketogenic diet, but they won’t feed it to me” I would roll my eyes and get more exasperated. Especially when he would finish a meal and go scrounge a piece of bread, or two, or three.

Dad didn’t follow the ketogenic diet, no matter what he claimed, and I began to learn more about it as one friend after another boasted on Facebook about significant weight loss and loving the foods they were eating.

And after learning from the doctor that my A1C was now dangerously pre-diabetic at 6.2 (7 and up is considered diabetic) I knew I had to do something different. And anyone with Type II diabetes will tell you – carbohydrates are NOT your friends.

I had been heading in this direction for a while. I had cut out most sodas and frankly I can’t stand diet cola so drinking water has just been my thing for a while now. No real sadness on nixing what little sodas I had been drinking. But ice cream? Pasta? Potatoes? Bread?

The loss of those, it just didn’t seem fair, much less manageable.

Last weekend I knuckled down and attacked the keto diet from a direction I knew I would need to start from, a reassuring one. One that said, “Hey girl, you’ve got this, and you can do it without suffering.”

I ordered three books…

I also ordered…

I guess you could say that when I jumped on the keto bandwagon, I didn’t jump on halfway.

Right now, as of this morning, I weigh 211 pounds. My husband, who has already lost 22 pounds in the past two months is 204. Our beloved pre-teen left Tuesday for a month in Europe and we are determined to meet her return flight on November 14th weighing at less than 200 pounds each, possibly even less than that.

I would be deliriously happy to make it to 180, honestly I would. The lowest I’ve seen is 190 and that was six weeks after my youngest was born. I’ve seen my weight as high as 222.

If the keto diet works for me, and I truly hope it does, it will be a change in lifestyle, not just a fad diet. I need to see my blood sugars return to healthy, normal levels. I need to see my cholesterol lower and those weird readings from my liver and my thyroid go away. And above all, I hope to be 30 pounds lighter than I am now.

One recipe that I have adapted is below. I found it tasty and extremely filling!

Keto Sauteed Cabbage and Sausage

  • 1 pound smoked sausage, halved and sliced
  • 1 head of cabbage, cored and sliced thinly
  • 1 onion, chopped
  • 6 Tbsp of red wine vinegar
  • 1/4 cup butter
  • 3 cloves garlic, minced
  • salt and pepper to taste
  • 1 Tbsp fresh parsley (or 1 tsp of dried)
  • 1/4 tsp pepper flakes (optional)

In a Dutch oven, using half of the butter, saute the onion and garlic until the onion is soft and translucent. Add the sausage and cook until lightly browned. Add the red wine vinegar and the rest of the butter and then add the cabbage, stirring until the cabbage is thoroughly wilted and lightly browned. Add salt, pepper, parsley and pepper flakes and mix until well incorporated. Serve.

And here are some of my random “Oh my god, tell me that there is a way I can have this non-keto food in some keto-friendly way!” finds…

Keto Pancakes (yes, please!)

Keto Pizza (in response to my husband’s sad face when I told him we couldn’t eat pizza anymore)

14 Fast Foods You Can Eat on a Low-Carb Diet (because sometimes I can’t cook)

Stay tuned, I’m sure there will be more.

Posted in Recipes | 2 Comments

Making a List of “To Do’s”

More succulents. I picked up these four different plants at Aldi’s of all places and placed them in this handmade container.

It might be in the 90s outside, but you and I both know that won’t last for long. It’s time to start planning for fall.

Inside the house we have a childhood favorite of mine courtesy of a start provided by my mom. I’ve always called this plant “purple velvet” – does anyone know its proper name?

We worked hard in the yard today and Dave got all of the mowing done while I pulled weeds and began digging out unwanted scrub trees scattered throughout the property.

I made some Ginger Pear Crisp with the Asian pears we have growing in our yard. The pears stay crisp even when baked. So good over vanilla ice cream. You can find the directions under Recipes/Desserts in the tab above. Give the recipe a try!

And then my eyes settled on the future pond and all of the growth and brush that was clogging it up. When Dave finished mowing he headed over to help and together we pulled out many trees, a pile of weeds, and began tarping the cleared areas.

Future pond

I began dreaming of a pond in this spot the first spring we were here, in early 2013. I imagined a deep upper pool, connected to a shallow stream lined with river rock and pea gravel that would open up onto two separate deep pools.

Future pond

It all started with this bit of tree root. Cottonwood trees are notoriously shallow-rooted, and this one was just sitting there on the surface of the ground. I looked at it and thought “Bridge!” and began to dig.

The bit of cottonwood root that started the whole adventure over five years ago.

The years have flown by and I keep promising myself that this will be the year that I put in the pond. Well, I’m really hoping that 2019 will be that year. Meanwhile, we have dug every tree, bush and most of the weeds out, and placed tarps over a majority of the future pond. Next year, we can remove the tarps, dig down deep into the ground to the appropriate depths, then replace the tarps until we have the pipes, pond liner and rocks ready to go.

Future pond

More than anything, I’ve grown tired of having to clear the space over and over of greenery.

Gooseberries, a rosebush and fruit trees surrounded by pea gravel and eventually stepping stones.

We also spread out some of the pea gravel we have bought in this little oasis of gooseberry, rosebush and fruit trees. Looks like I need a bit more to complete the project!

I think I’ll include this other fruit tree as well. I’m going to need a lot more pea gravel!

It will include metal edging so that it is easy to mow right up to.

Ignore all the weeds – I began transplanting my mint from the greenway in the front of the property to the base of Cottage West. I hope to plant moats of mint around all of the houses to repel invading mice and ants. This mint is doing well here and will continue to grow and spread over the years.

I sat down and identified what we still need to do in the yard before it gets cold:

  • Finish the brick firepit surround and reposition the logs for sitting on
  • Finish the brick pathway rebuild
  • Expand the dog yard to include the passageway between the dog yard and Cottage East (build one little patch of wall and one more gate)
  • Remove chain-link fence from side and front of Cottage East and dig up poles
  • Remove the underbrush and re-do the brick walkway on the east side of Cottage East
  • Kill off and remove poison ivy and other weeds from the back of Cottage West
  • Clear the alley side of the back fence of scrub trees, poison ivy and weeds. Put down weed-block and mulch some areas.
  • Finish tree ring in front side yard
  • Clear/tidy Cottage West front yard
  • Clean up garbage along front of property

The “wildflower shade garden” was in a decrepit state. I hope to really cut loose on wildflowers here next year. I will be the mad seeder come springtime.

It’s quite a lot of work. And I’m hoping that most of it can be done before our Halloween Party and Birthday Bash.

One of our two Asian pear trees in our mini-orchard.

Each year we make such enormous progress on this house and yard. Sometimes I feel like I’m running a marathon, or maybe trying to beat the clock before my body tells me “Enough!” while I still have a “to do” list a mile long.

One of our heirloom apple trees in our mini-orchard.

In any case, I took a good look at our calendar over the next two months and plugged in various activities (mostly on the weekends) that should mean we have most if not all of that hellish list done before it gets cold.

All of this hard work is so worth it. Look how far we have come!

Posted in Fruits, Garden Planning, Goals/Dreams, Ponds/Waterways | Leave a comment

Seasonal Cooking – Bring on the Kitchen Mojo!

You and I probably have different interpretations of seasonal cooking.

I don’t mean locally sourced fruits and vegetables, I mean that I typically only cook at certain times of the year.

Yes, every morning I fix breakfast for at least my dad and myself. I don’t trust him in the kitchen (he has dementia) and it’s a ten minute job to whip something up that fits within the parameters of a diabetic-friendly diet.

Big kiddo can fend for herself, although lately she has been quite happy with a scrambled egg and toast, my husband usually eats cereal, and the little one has breakfast at daycare.

What I’m talking about is dinner.

In around late spring, I come to a full stop and hand the cooking reins over to my husband. There is little warning. One day there’s food on the stove and the next I look at him and say, “So, what are you fixing us for dinner?”

Part of it is the heat. We don’t have central air and I’m miserable, sweaty and oh so grouchy. The other component is that I’m the one in charge of weeding. I’d say that I handle about 80-90% of the weeding that gets done on our properties and it is a LOT of work. So my husband handles the cooking from late spring until late summer.

He’s in San Francisco for a mini-vacation and without him here, well, let’s just say that my kitchen mojo rose to the occasion and has been tossing ideas my way for the past few days in a rather intense fashion.

It started with boozy cocktails, proceeded to incorporate some new recipes, and is now steaming ahead with meal planning and baked yummy goodness. Here’s what’s on tap ’round The Deadly Nightshade’s kitchen…

Boozy Shakes

Recently I pulled out this fun book, Boozy Shakes, out of a stack on the drink station and started paging through it. I drink alcohol about once in a blue moon, ask my hubs, he’ll back me up on that. That said, I was shocked to realize I hadn’t tried any of the drinks listed.

Time to change that!

I ran across the recipe for Marzipan Milk and just had to try it. I already had the Amaretto liqueur required for it.

I tapped my fingers impatiently as I waited for the vanilla ice cream to set up in the ice cream maker. It was still rather soft, but I figured that would make it easier to mix with the Amaretto liqueur, milk and almond extract.

I mixed it thoroughly and had a sip. Delightful!

And then I made the mistake of bringing my concoction to this man…

He threatened to drink it all! I ended up making two of them. Very, very tasty.

Last night, I dabbled with a Chocolate Orange Shake. Yum. Not as amazing as the Marzipan Milk, but still good.

I even tried a combination of the two and used the chocolate ice cream, mixed with the Amaretto, to make a Chocolate Marzipan Milk. Soooo good!

Orange Chicken With Three Ingredient Sauce

I was paging through Pinterest. Don’t judge me! It’s like crack, but still, I love getting ideas from that place. It’s way too handy for overloading my days with craft projects and recipes. And don’t get me started on the photos of abandoned mansions or picturesque gardens.

In any case, I found a recipe for “Three Ingredient Orange Chicken Sauce” and just had to try it.

I added a little to the recipe, some tweaks along the way, and here is what I came up with:

Ingredients:

  • 2-3 boneless, skinless chicken breasts, cubed
  • 2 eggs, whisked
  • 1 cup of flour
  • 1 cup of cornstarch
  • 1/4 tsp pepper
  • 1 cup of barbecue sauce (we use Sweet Baby Ray’s)
  • 1 cup of orange marmalade
  • 3 Tbsp soy sauce
  • 1/2 tsp ginger powder
  • 1/4 tsp garlic powder

Directions:

  1. Combine the barbecue sauce, marmalade, soy sauce, ginger and garlic powder in a saucepan on the stove and place it over medium-low heat to heat.
  2. Begin heating a thin layer of vegetable oil in a frying pan on medium-high heat.
  3. Place the cubed chicken in batches in the egg and then roll them in the cornstarch and flour mixture and place them on a plate.
  4. When the oil is hot, cook the chicken until well-browned on each side, about 3-5 minutes each. Place them on a plate covered with paper towels to absorb the extra oil.
  5. Combine the sauce and the cooked chicken and serve over rice.

So tasty!

More kitchen adventures will follow. Meanwhile, sign up for my newsletter and get access to short stories and more. Thanks for reading, I’ll post again soon!

Posted in Baking/Cooking, Bookshelf, Recipes | Comments Off on Seasonal Cooking – Bring on the Kitchen Mojo!

Perennial Succulents and The Back Fence is DONE!

The view of the final gate from the backyard of the Cottage East.

Oh, happy days, my loyal readers! I am pleased to finally announce that the back perimeter of our properties has been fully secured.

D’Oh!

But first, a little pie in face. We went out this morning, bright and early, and quickly learned that the lumber and pickets we had set out for the last gate were missing. Yep, we had fencing out there for WEEKS but someone decided that it was too good an opportunity to pass up with it sitting right next to where it was to be installed and they absconded with it.

We felt dumb. It was around $50 in materials.

So when we went to Lowe’s to pick up the lumber, I stopped and purchased a set of four locks, one for each of the new gates, all keyed to the same key set, one for Dave and one for me.

The entire back fence is now locked down tight.

I took a look at the Cottage East’s backyard and there were a few thin spots in the underbrush, enough that I could see folks trying to shove their way through, so I moved a nearby pile of dead brush and branches against it. It would take some doing to get over and through it, and that should hold us steady.

Now folks can still sashay into our yards from Tenth Street, but they would have to go back the way they came because it is flat-out IMPOSSIBLE to go through that fence without either a key or serious climbing skills.

Perennial Succulents

These darlings were a great topic of study for homeschool science this past week. My daughter learned about their care and gave me some great tips for planting them. I had purchased a whole mess of them, 25 in total.

Several have gone in their own pots, planters, and at different spots in the yard. When I was in the alley re-positioning some old tree stumps I happened across one I knew I could re-purpose.

So I lugged this thing up to the front yard. I want folks to get to see it! I shoved a whole mess of dirt from our compost heap into it and planted the remainder of the succulents inside.

I can’t wait for them to dig in, reproduce and fill up the space. They will look fantastic!

Get ‘Em While the Getting is Good

By the way, now is the perfect time to buy ferns. I found mine at Lowe’s which had them marked to half of the original price, so just $7.50. As you can see from the picture above, they are HUGE!

I’ll bring these two inside when the temperatures drop and overwinter them in our art room which has a good southern exposure. Next year I can either set them out in these pots I transplanted them into or divide them up (i.e. hack them into quarters ruthlessly) and add them to the hanging planters that adorn our wraparound porch.

I’ve been on a mission this past few years to accumulate/propagate ferns by purchasing them in the fall on sale, overwintering them, and then using them again in the spring. With 22 hanging baskets, buying them over and over each spring would be prohibitive!

How Odd…

I have never seen this before and had to share it.

The seeds in this tomato are sprouting!

I showed it to my daughter Emily, she found it quite fascinating.

No More Paycheck to Paycheck

A while back I talked about getting to the point where we weren’t “a paycheck away from the streets.” And while we were certainly already in a good spot, I had sit down and really look at it from the angle of “Should I be focusing on building our savings or making sure there is a solid three week cushion in place?”

Now, without getting specific we are doing just fine, but I don’t believe in sitting on my laurels (or in eating bonbons by the poolside), so fine is nice, but fine doesn’t help us if I get horrifically ill and can’t work or the government has one of those financial all-stops that occurs when the boys in D.C. can’t agree on the budget. Or if Trump gets a bug up his butt and decides to do away with NOAA (small chance, but still!) where my husband works.

So I took the plunge and decided that I had to have a MINIMUM of three weeks worth of funds in our checking account. I moved money from savings, I pulled it from the renovation budget (and damn, that hurt because I really  want to see these projects done ASAP) and as it stands at the moment we have approximately four plus weeks worth of funds in the bank. I hope to keep it close to that amount. That would be really nice.

I was also pleased to see that our debt reduction is continuing at a solid pace – over $3,000 of debt reduction last month alone!

We work hard for this to happen. We buy used clothes, shop at Aldi’s and discount groceries, we rideshare to avoid parking costs at Dave’s work (that and him working just five minutes away is saving us over $150 a month in fuel and approximately $1500 per year in maintenance), and carefully parcel out our dining out expenditures.

I recently made the decision to focus on my writing and to not take on any new cleaning clients. When one of my current clients told me she needed to stop cleaning services for a while, I told her that I probably would not be filling her spot, but I also would likely not be available for cleanings in the future. It means that if I can’t make the writing pay, our budget will slowly reduce over time. OR I’ll start making money on my writing. Here’s hoping it’s the latter!

Posted in Challenges, DIY, Financial Advice, Frugality, Garden Planning, Goals/Dreams | Comments Off on Perennial Succulents and The Back Fence is DONE!

Fences, Elderberries, and a Migraine

Migraines Suck

Have I mentioned my amazing husband recently? Or my amazing daughter?

If not, then let me take a moment to tell you about them.

Today I was felled by a stress-induced migraine. I get them so very rarely now – a handful a year, or even less. I credit this to marrying well.

I’m not kidding.

In fact, when I discussed my migraines and how often I use to have them people ask me, But you don’t have them now? How did you get rid of them?”

I tell them, “I got divorced and my headaches went away!” My first husband was a migraine.

Honestly though, my husband (my third and FINAL husband) is great. He went outside and worked on the fence today, which included disassembling part of the gate we had just constructed the day before and fixing it so that it closed properly. Then he went on to add a third, middle 2 x 4 to most of the fence panels for added support. Next weekend we will finish that project.

Meanwhile, I lay in bed clutching my aching head. And Em, was kind enough to go downstairs and handle preparing breakfast for her grandfather and foster sister.

I did manage to get up later, wobble downstairs and fix myself an egg, clean the dishes and kitchen, and begin to process the elderberries.

Elderberry Processing

Last weekend we gathered around 20 pounds of elderberries from our bushes in the backyard. The easiest way to collect elderberries Is to cut the bracts with the berries off and place them in a bag in the freezer. After the berries are frozen it is easier to remove them from the bracts.

And after cleaning the dishes and clearing the sink, I pulled out the smaller bag of elderberries and began to do just that. I was still feeling rather under the weather, so I only managed to empty about half of the bag. It was an enormous container full of the berries. I figure I’ve processed about one quarter of them. Back into the freezer they go until we are ready to run them through the juicer.

I plan on using the elderberries for some cough syrup and more importantly, my husband will be making elderberry mead. Mead is made by fermenting honey and often fruit juice. We have made elderberry mead before in the past and it was very strong. I want to say that it was either 11 or 13% alcohol. We called it Respect Your Elders. And at that strong of a percentage, you’d better!

The backyard of Cottage East. The future parking area for tenants is on the right and the alley dead-ends behind it.

One More Gate

The other morning, while writing, I could hear two people arguing behind the house. I went out to look, and watched as they proceeded down the  alley all along the length of the finished fence, while continuing to argue. They then cut through the opening at the back of Cottage East, and walked through that backyard and up to 10th St.

I realized then that we had one more gate to build in order to completely seal off the back portion of our properties. So next weekend, we will be building one more gate.

Something like this…

Front Fence-Panel by Panel

Building a fence can be a very intimidating project, especially when your property is approximately 200 feet wide. I am overjoyed that we have finally finished the back fence. In fact, as my husband worked today on the last details of the back fence, a gentleman asked if he could walk through the open gate. My husband explained that we would prefer he did not. He was kind, but firm. After five years, with people barging through, stealing property and high on drugs, we were done.

But a back fence doesn’t stop people completely. Especially when the entire 200 foot width of our property is open in the front.

“What if we began to build the fence panel by panel instead of trying to do it all at once?” I asked. “We could set in one or two 4 x 4’s, install a panel or two, and take it a little bit at a time. What do you think?”

Looking towards the front of our property. As you can see, it’s wide open.

My husband liked the idea. “As long as we aren’t putting in 4 to 6 panels in a day,” he said.

“That sounds great to me!”

We have yet to find the source for the metal panels that I want. We have a few leads, and we will begin tracking those down in the next couple of weeks. Because we don’t have a truck, transporting the panels can be problematic. I’m not sure if we will need to rent a truck. If we do, hopefully we can move 6 to 8 at a time in order to conserve on cost.

I dream of the day when our fences are all in place. Doing it ourselves will save a load of money, improve our property, reduce theft, and help create the sanctuary we so enjoy having outside.

My internet trawling for pictures of metal fences yielded this – a moon gate – and now, of course, I want one.

Posted in Challenges, DIY, Goals/Dreams, Projects | Comments Off on Fences, Elderberries, and a Migraine

Planning for Next Year…NOW

Future Fence Planning

So I’ve shown you a few of the images of my perfect fence when it was still underway. Now let me show you it up close, along with another fence design.

We went for a drive on Sunday to Columbus Park to take a look at two examples of metal fencing and learn more about how they were constructed. I’ll refer to them as Fence #1 and Fence #2.

This fence is about four foot tall and welded in place

Fence #1 – was about four foot tall and welded in place. It provides nice round holes and would be easy for someone to climb over.

 

The welds attach to heavy metal posts

This fence isn’t going anywhere. It looks far more solid than the newer wrought iron fencing that is actually made out of aluminum. This fence looks as if it wouldn’t so much as blink if a car rammed into it. In fact, I’d feel very sorry for the car!

The panels look as if they are woven back and forth.

Fence #2 is my cleaning client’s fence. They were looking to enclose the parking lot directly across from their loft home.

I love it even more now that they have the plantings in place. It’s gorgeous!

I was delighted to realize that the sheets are less than five feet high. I had originally thought they were over six foot, but up close I realized the panels are probably 5×8 foot max in size.

 

 

I love the arch they did for the gate and these fabulous flagstone steps!

Another nice detail is all of the motion sensor night lights they have in place…

As you can see, Fence #2 has wood enclosing it and surrounding it. From the looks of it, we wouldn’t even need to drill into the metal, it would rest inside of the wood 1×2’s that connected to the 4×4 posts.

The biggest challenge is supply. These metal panels are castoffs from metal fabricators. We are planning on using a LOT of them in order to construct our fence, and that means we may need to make allowances for a mix of different patterns and accommodating those patterns to what our needs are (for example, big open holes will need to have hardware cloth added to one side).

We may end up doing a mix of wood fencing and metal panels – alternating between each if we can’t manage to find enough of the metal panels.

The other twist is that if we have to pick them up incrementally over time, we will need to figure out a way to get them (rent a truck) and store them (lock them down so that metal scrappers don’t try to steal them) until we are ready to construct our fence.

We also walked the yard on Sunday and determined just where we wanted fencing. I drew rough diagrams and we need to talk to our neighbors when it comes to a fence on the border of Cottage East and their lot.

A rough sketch of gate placement and more. There is a chain link fence between the front yard of Cottage East and our side lot. I want to remove it and replace it with the new fence. I also want to run the new fence along the east shared border between Cottage East and our neighbors’ property.

We walked down the street to look at how we want Cottage West fence to be set up.

The fence will run along the entire front of the property until it reaches the last side lot. I want us to go about 15 feet in and end it at a double gate. That way we can drive a pickup truck through it, through the yard, and hook it up to the Airstream which is in the back.

Dave was a little surprised when I suggested creating a fence that ran from the front of the property all of the way to the back fence.

“I figured we would share our yard with the renters,” Dave said.

“Honey, do you remember how upset you were getting at the last party when there were a ton of kids in our yard whacking our flowers to death? And that was just one afternoon. Imagine a child that is not ours doing this day in and day out to our yard.”

“Oh…”

“Yeah.”

It’s important that we construct our fence to suit our needs and plan it so as to avoid potential issues. I added a gate to the side yard of Cottage West so that we can, if we so choose, invite the tenants to share the space on occasion.

I penciled in a six-foot-wide walkway between the fence and the east outside wall of Cottage West to take into account the basement tenant, who will enter and exit at the door at the back of the house.

You can also see from the schematic above that the fence jogs in about 15 feet. That is because we will eventually install a driveway there for our tenants to be able to park off the street. That’s a huge plus for potential tenants.

I’m planning on laying down a four-foot wide concrete path using the concrete forms you see below, with a foot of greenery on each side of it. Nothing out of control, just some basic flowers or a nice groundcover. Ooh, I’ve already been planting mint. That would be nice to have spread. If you step on it it would smell wonderful!

Next we will need to do some measurements and come up with a more detailed schematic than the one I sketched above.

Once we know just how many feet we are talking about, we will be able to calculate the number of panels we will need and we can reach out to metal fabricators and see about purchasing the panels!

 

All that greenery, all those weeds – filling up the hole in the ground I diligently dug.

The Pond, the Pond!

On Sunday, as we were working through our plans for the fencing, Dave said, “Next weekend I want to finish the gates, do half of the 3rd 2x4s and then get those weeds out of the future pond.”

Our plan is to pull all of the weeds out of it, dig down further in the soil to prep it for a liner and then cover it with tarps to prevent any additional growth until next spring when we can line it and install a pump.

That tiny little clear spot? That took me a half our of weeding to clear. It is perhaps 1/5 of the total size of the pond. We need to dig down as well, possibly 1-2 more feet deep.

I started digging that pond the first year we were here – in 2013 – and have been waiting patiently for the opportunity to install it completely. I think 2019 might finally be the year!

Multi-Use Tree Stumps

As we scrimped and saved to get each of the three cottonwood trees (plus one maple tree too close to the house) taken out – we would usually tell the tree trimmers to leave the trunks with us. It saved us hundreds of dollars and we slowly moved them to line the back edge of the property, some served as seating around the firepit, and the remainder were placed around the bases of our mulberry and maple trees.

The stumps that are now on the outside/alley side of the fence still have value. They serve as physical barriers during winter when folks are slipping and sliding in and out of their parking spaces in the apartment building behind us. The first year we were here someone’s car got stuck in our yard for a full week!

And they will also soon be decorative. I plan on hollowing out the tops of several of them so that this coming spring I can turn the stumps into planters and grow some annuals from seed, but mainly perennials. Pinterest has been giving all kinds of beautiful photos to use as inspiration!

Posted in DIY, Garden Planning, Goals/Dreams, The Cottage | Comments Off on Planning for Next Year…NOW

Nearly There!

Fences Make ME a Better Neighbor

Wow zow! Our fence project has really come along. Click here to see a short video tour of our progress.

A morning out in yard produced some great results today. While I worked on moving bricks and mapping out an area around our gooseberries and apricot trees we will fill with pea gravel, Dave worked on finishing the two single gates.

The enlarging of the ring around the firepit is around halfway complete.

He also needed to add some more screws to the pickets near the end of the line. We ran out of battery power and hadn’t finished them last weekend. He also set a 4×4 in place at the end and constructed the two gates.

Three gooseberry bushes and an apricot tree. We will add the metal edging and fill the area with pea gravel.

“Do you want me to install a handle on the alley side of things?” he asked and I told him no. I want nothing but smooth fence on that side.

Next spring I will order a bunch of rosebushes to plant on the alley side of things. They will grow up and produce plenty of colorful blooms and hopefully dissuade taggers from spraying the fence with graffiti and they will remind folks to admire our fence at a distance, thanks to their sharp thorns!

We have two more weekends of work ahead of us. Next weekend we will construct the double gate and begin adding a third 2×4 support to the fence. We originally started it with only two 2×4’s – one at the top and one at the bottom. A contractor we have working for us looked at it and said, “Add a third 2×4 to the middle and you will have less warping.”

Will do!

I figure that adding those 2×4’s, some fifteen of them, will take us into the second weekend since we will need to attach all of the pickets in the middle as well. But then the back fence will be done, done, DONE!

Re-laying with the landscape cloth underneath, the walkway along the side of the house.

I am so looking forward to that. It is a wave of relief to look out and see that fence there. Finally, it will feel like the yard belongs to us. It is rather disconcerting to be strolling through your yard and have someone just walk on through it without even asking if it is okay. I guess I’ve spent too many years in the suburbs.

Cottage West back fence with a gate at the far right.

Next year we will build the front fence. We had considered outsourcing it, but honestly, I think we can do it and for far less money. And when you consider that we are outsourcing a good deal of the renovation work on The Cottages, we could use a break in cost.

Here was the fence as it was in process of being built.

We are still planning on using the metal panels and wood posts. One of my clients had one installed around their parking lot across from their loft in Columbus Park. I think it looks gorgeous and it would provide semi-privacy, be rather inaccessible to those not respectful of fence lines and be visually appealing as well.

I took a bite out of it before I thought to take a picture! It was sweet and crunchy.

Well, Hello There, My Darling Asian Pear!

I think we planted our two Asian pears and two heirloom apple trees in our mini-orchard in 2014, the year after we moved here. And despite the havoc being caused by the damn Japanese beetles, we are starting to see some results!

Em noticed that there was plenty of fruit weighing down one of the trees and picked some treats for all of us. They are small and still have a ways to go to be perfectly ripe, but this was a lovely treat to have on Saturday night.

Asian pears are ridiculously expensive in the grocery store. They grow so well here in Missouri that, if you have the room, I highly recommend buying on and planting it in your yard.

We bought ours at Fedco Trees. Order in the fall for spring delivery. Their catalog comes out in September or October, and you will want to place your order quickly to ensure they don’t run out.

Fedco Trees is also where we purchased a bunch of our rose bushes that we planted on the inside of our back fence. I’ll plant a ton more on the outside, just in case folks are inclined to try and decorate with spray paint or break into our nice tall fence.

Financial Goals

As our regular contributions to savings and 401k have increased with my husband’s new job, I’m also working on us keeping our accounts “in the black.”

I recently read an article that claimed that millions of Americans are one paycheck away from the street. Often one bad health situation will leave you tens of thousands of dollars in debt (if not more). And let’s face it, as we age, our bodies begin to fail us.

Now, thankfully, we all have medical insurance now and that is a big relief, let me tell you! But I want to make sure we not only have a decent amount of emergency savings in the bank, but also have our ducks in a row in our main checking account.

Nearly 100% of our purchases are made on credit cards. We use them for their cash back bonuses and pay the amount owed in full each month.

However, that means that I’m spending money I don’t have for a month and then paying it off the next month. I realized I wanted the ability to spend the money I DO have, and have the ability to pay for it immediately upon receiving the bill, if not sooner.

To do that, I’ve set into place a series of incremental goals:

  • Goal #1 – Pay all bills at least ten days before their due date (95% there – occasionally I have to pay a bill 4-5 days before its due date)
  • Goal #2 – Pay all bills at least 15 days before their due date
  • Goal #3 – Pay all bills immediately upon receiving them
  • Goal #4 – Have one month’s worth of funds in the bank (in advance of any bills)

This protects us from what I call the “oh shit” factor. And let’s face it, the “oh shit” factor happens far more often than you might be willing to accept. To me, it is like having the level pay plan with your electric or gas company. No need to futz with the month-to-month ups and downs, if you know what your costs are, you can and should plan for that, plus a little extra.

And with that, I’m off to plot our future front fence, with all of its intricacies…

Posted in DIY, Financial Advice, Goals/Dreams | 2 Comments

Fences, Electronics and LESS Debt!

Just look at that fine fence!

I’m so looking forward to having our back fence done. We have made significant progress in the past two weeks – nearly all of the 4×4 posts, as well as most of the pickets, are in place.

The opening as seen from the alley side. We will put in a gate on the left and custom cut the boards and add pickets to cover the right side.

Today we rented a jackhammer from Home Depot and Dave used it to open up two holes – one was the remains of an old driveway to a long-gone garage, the other appeared to be the brick wall of another long-gone structure (probably another garage). This allowed us to dig down far enough to set the 4×4 posts in.

Taken from the alley side, this is the portion of fence we built last weekend. It’s directly behind Cottage West. We will leave these tree stumps in place, they provide protection from folks slipping and sliding in the snow while backing up out of the apartment building parking lot (out of sight on the left)

We have one post left to set in – it’s down at the very end of the line, directly behind Cottage West. We will have a gate there, as well as one about 20 feet from the Airstream – these will both open onto the back alley. And then there will be the double gate at the back parking area.

“Is the cement still wet?” Em asked.
“Yep, it’s perfect for putting your initials in!”

So three gates to build next weekend and one post to set in place.

As we worked today, a woman came running through our yard and the fence. “You are really making this impossible, you know.”

Dave yelled after her, “That’s kind of the point!”

The gates will be padlocked and once they are in place the entire run will be sealed, making it impossible for folks to cut through our yard. They will still be able to come in from the front, but that is a task for 2019. Just one more year until our entire property, including Cottage East and Cottage West, is enclosed.

Next year or the year after I hope to build a pergola here directly outside the Airstream. I’ll also lay in a gravel and flagstone path from the firepit to the Airstream now that I’m running out of bricks.

And that makes me pretty darned excited. I look forward to the day when I can open the front door and let our dogs run out into the bigger yard and hang out with us.

Just stopping folks from using our yard as a road from 10th Street to the alley or 11th Street beyond that will be huge. We have seen/experienced the following in our yard since moving here…

  • Various people stop and pee (or take a dump)
  • Illegal dumping of trash
  • Vandalism
  • Theft (they stole our wheelbarrow and other equipment)
  • Junkies off their rocker, shouting and walking through
  • Found baggies of drugs in our garden
  • Had a woman high as a kite sit down on a stump and proceed to talk to our chickens for half an hour while she clucked like a chicken
  • Had kids throw rocks at our beehive when we still had bees

Is it any wonder we are more than ready for a nice tall fence?!

It looks oddly small in this picture but that is a full sized dresser beneath it.

A Deal I Couldn’t Pass Up

Two weeks before I got the call in December 2016, we had purchased a 55″ television as a Christmas gift to ourselves. I was so excited to have a big tv there in the living room!

And two weeks after the phone call and I was back from Panama with my dad. The television, conveniently located in the living room, was immediately taken over by him.

His dementia, caused by poor diet and improperly medicated diabetes has affected him significantly. He basically spends all day watching daytime tv.

There’s nothing quite as off-putting to me as Jerry Springer or Paternity Court. At lunch I can hear the judge bellowing, “Mustafa Antone, the tests show that YOU are the father!”

Ugh. As a result, we tend to stay upstairs, leaving the living room television in the hands of my dad.

And with just a little television upstairs in our bedroom, I’ll admit, I felt like I’d had my Christmas gift taken away from me!

Our smaller tv didn’t have Roku and we couldn’t watch anything from our Plex server on it, and that bummed me out enough that, after 18 months of this, I decided to start looking for a nice tv for our room.

We ended up choosing a 55-inch Roku 4G and it came in yesterday. Dave could see how excited I was, and was kind enough to install it on the wall right away. We have an extra-long power cord coming in today that will make it less cord congested, and I love that it can tilt out, allowing it to be viewed from the other room.

I used it today to practice some yoga I found on YouTube. So cool!

Debt Reduction Too!

I was surprised and delighted to add it all up and discover that, even with our purchases like the upright freezer, fencing materials, and a big television, we have managed to remove over $15,500 worth of debt in the past seven months and we are well on our way to an overall debt reduction of around $28,000 for 2018.

That’s huge!

I’ll admit, I checked it and double-checked it. I couldn’t believe my eyes. But my Current Debt worksheet in Excel is updated once a month with all of our current debts. After so many years of struggling, it is beyond exciting to see this happen.

Our savings might be small (most of our savings is going into a pot earmarked for home renovation) but it continues to grow steadily.

Our goals remain to renovate Cottage East and Cottage West over the next 4 1/2 years, all while maintaining a steady reduction in debt and building our savings. It takes mindfulness and planning, but it is worth it. I can clearly see a day when we are debt free and have several property income streams in place that are near us and well-monitored and maintained.

Things are looking up and progress is being made!

Posted in DIY, Financial Advice, Frugality, Goals/Dreams, Historical Home | Comments Off on Fences, Electronics and LESS Debt!

Phase One – Well Begun is Half Done

We took advantage of the pleasant temps on Sunday morning and knocked a portion of Phase One of our fence building out of the way. Three post holes were dug and the two seven foot portions of fence were assembled.

“Wow, we got that done fast.” It was a few minutes after 10 a.m. and we were staring at our walls of wood with the ten-foot gap in the middle.

The gap is where our double gate will go. Eventually, we will have a two-car driveway plus a side pad through the gate laid down. We will be able to park our future truck there, behind the gate and out of sight of the main part of the yard.

“Are you happy with the work?” I could see what he was doing, but I wasn’t feeling at the top of my game, too much hip pain, so I just smiled and nodded.

The double gate will wait for next weekend. We will handle it before or after the yard is mowed.

I’m hoping to have the entire fence done by the first weekend in August. I’m so excited about having it completely closed in the back.

Foreground – where our truck will eventually be parked. Background – where our Cottage East tenants will park.

After that, I plan to send folks packing if they try to sail on through my yard. Not that it would do any good, the six-foot height is a pretty good deterrent!

Note: I know it might all sound unfriendly, this idea of shutting others out of our property. But please keep in mind I’ve literally had a man cop a squat in our yard. Yes, you heard that right. The smell lingered for weeks.

We have also had our wheelbarrow stolen, a man with two snarling dogs plunge through our yard with our chickens scattering in all directions, and other less than positive experiences.

Most of our neighbors are friendly, well-mannered folks. It just takes a few bad apples to ruin it for the rest, unfortunately.

From the future parking space looking into the backyard.

 

Posted in DIY, Garden Diary | Comments Off on Phase One – Well Begun is Half Done