Showing posts with label finances. Show all posts
Showing posts with label finances. Show all posts

Sunday, February 2, 2020

Beautiful Numbers - R2BC

02022020


Here are my Reasons 2B Cheerful for this week. The linky seems to have died but then again, linkies were so last decade. 

1
Palindrome Day
The following announcement is for your enjoyment and because I don't want you to miss it.

Today, 02/02/2020, the date is a perfect palindrome using the full eight digits. The last time this happened was in 11/11/1111 over 909 years ago! How cool is that? Very.

From now on there will be a full palindrome in February for anyone outside of the USA, for the next 2 years: 12/02/2021 and 22/02/2022. After that we'll have to wait until 2030 for 03/02/2030 and every 10 ten years for 04/02/2040, etc... until 09/02/2090.

Americans will have to work out their own and actually, they've already had a few this century that don't apply to the rest of the world.

The special thing about today is that it's Full Palindrome Day for everyone, whichever system of Gregorian calendar dates you use. This will not happen for another 100 years on 12/12/2121.

(Thank you to Alina Theodor for correcting me and to Jill Yonassi for pointing out that there are quite a few more full palindrome dates in our lifetimes to look forward to, for non-Americans at least.)

2
Income Tax
Every January you have to fill in an income tax form for your employer. I work for three employers so I have to do it three times. It's not a big deal but ironically, it was less of a deal when you just got the paper and could fill it in. Now you have to have a password, find the form online, download it because you can't fill in a pdf file, and when you've filled it in it's not accepted because your particular circumstances aren't recognised by the computer, and finally you have to sign it. I don't know how to sign on the computer. So I end up printing it out and faxing copies to the various offices instead.

Because I work in three places I also have to get a Tax Coordination form for each employer. Until now I've always taken the bus ride to the tax office and got the forms in my hand there and then. Until recently online applications would still need to be processed and the Tax coordination Forms sent to you by snail mail, taking up to two weeks of anxiety about whether you're actually going to get them.

This year my neighbour told me that it's now an instant an online calculator, You fill in the form (just one form), click on submit and you instantly get all the forms you meed for each employer. And what's really amazing is that you can just email them on. Whilst this news was exhilarating and liberating, it was also giving me butterflies in the pit of my stomach. Remember that I have to do all this in not my native language, a language with a different alphabet and it doesn't even use vowels! For example, stp could be step, stoop, stop, setup situp, shutup, stiff, stuff, staff, setoff, shutoff, shotup, etc... (because s and sh are the same letter and so are p and f). While I was dithering I received all three Tax Coordination forms from the tax office with the notice that if nothing has changed since last year, they will continue with the same agreement.

So that's all the January tax forms done and dusted.

3
End of semester
It's the end of the first semester. I finished writing all my reports and sent them in on time. I wrote my semester summaries for each class. I wrote the mid-year exams for my students and they're ready to give out on Tuesday. I'm up to date with all my grading. We now have four weeks of no teaching at college for mid-semester exam period and break. (I get five weeks because the festival of Purim falls on my college day.) I still have meetings on College days but no teaching. Although I will still be teaching at school.

4
The Tweenager
I wrote a sentence about DD's report. No details, just a general comment. But then I deleted it because.... ya know, she's entitled to her privacy. Like most things, there's no set age by which things have to change. Everyone is different and you know when it's time to make changes. It's a feeling not a number.

Thursday, August 17, 2017

The Essential Emergency Fund And More Decluttering - R2BC

Some minimalizing progress and some less good events that, with a bit of Pollyanna attitude, I can turn around to be a R2BC. I'm joining the R2BC linky over with Becky on Lakes Single Mum.

1
Decluttering Books

I wrote the other day about sorting out all my books and letting go of my academic dreams. In addition to all the academic books, I got rid of 20 year old guidebooks to various cities around the world, children's books that DD has grown out of and which we didn't love, various out-of-date reference books, and a few novels that I'm never going to read. About 100 books in all.


In addition to the books in the photo which are all being given away, donated, or possibly sold; there were also a pile of magazines and the city guides that went straight in the bin.

That seems incredible as I sort and donate books every year for the Yedidya Bazaar in March. Only two years ago I got rid of 200 books (although that was the first cull in about 25 years). I think it's a process and some books it takes you longer to realize and come to terms with the fact that you don't need them anymore.

SOLD!
2
Empty Furniture

I decluttered a whole chest of drawers out of its usefulness and sold it on facebook. The guy who bought it also took an old armchair down for me and put it by the bins. Within half an hour I saw a man stop and load it into his car.

I also have one empty bookcase but I'm not sure what I'm going to do with it yet.

Gone to a better home in the back of a passing car


3
Not So Wonderful

I had a blocked sink so I had to get the plumber in. It cost not a trivial amount of money. On the other hand, he changed the crappy IKEA drain set-up underneath to a much more efficient arrangement that goes straight into the wall without the long, narrow pipe, which is the part that gets blocked.

I swallowed that cost and moved on. However, I was then alerted by a neighbour that my solar heated water boiler on the roof was leaking big time. Having established that the tank that was falling apart was indeed mine, I needed to get it fixed. I bought this apartment 16 years ago and inherited all the equipment on the roof. I've never had to fix or replace any of it, so it was time.

Yesterday they came with a new boiler, two new solar panels, and a new stand as the old one was rusted through. All new. All fully guaranteed for 5 years. All costing an absolute fortune. But I chose the best and not the cheapest in the hope that I won't be dealing with this again for another 20 years.

4
Emergency Fund

This is when you fully understand how important it is to have an emergency fund. And how important it is not to dip into it for months that are a bit tight or if you want to treat yourself. It's not for an impulsive holiday, a new sofa, or even the new fridge which I had to buy only a few months ago and which could be put on 12 monthly payments without added interest.

The new solar boiler had to be fixed asap as water was dripping into my upstairs neighbour's apartment. And I had to pay all of it up front. Luckily I have been paying small monthly amounts into an emergency fund all year.

Usually I need to use some of it to get us through the summer as I don't get paid for teaching my summer courses until the end of September and I don't get paid an August salary for teaching in school. I was getting excited because we didn't go away this summer and various tax rebates came in so I thought I was going to get through the whole summer without touching the fund. I had dreams of rolling it over for another year. Man dreams and God laughs.

It still makes things very tight for September as the emergency fund won't cover the full amount of the waterworks. But it makes it doable instead of impossible. So we'll do it and be cheerful about having the foresight to save for emergencies.