Last night was more freezer food! This is how I plan the meals...during the first few weeks of my menu cycle, I plan more meals that include fresh produce. Then by the end of the cycle, it's mostly freezer food unless I've had a chance to get back to the market for more fresh stuff. The sauce is one that I love: Basic Tomato Sauce and I use the same Blogger's recipe for Italian Meatballs. I still have another dozen meatballs in the freezer for our next spaghetti dinner. Oh, by the way, my recipe widget may disappear for a while. It's getting very long so I might make it more organized on a separate page. I hope no links are lost in the process!
I just wanted to share this photo because it looks so cool. :) We found a spot for all the trivia games. We do have another shelf right to the left of this for all the other games we have too.
Taking care of business: I spent over three hours yesterday making a more realistic and detailed budget for the next two years. I have a background in accounting so for me, it was a fun thing to do! :) Because I'm on disability, I can predict my income. We can more or less predict Alex's as well based on the last few years, so the revenues are usually pretty accurate. I put every little expense known to man in that budget...being the creature of habit that I am, I don't like surprises. I don't want to say in two years time that I over-dreamed and under-budgeted!!
Our expenses change from time to time, but we live a simple life so they are also easy to predict. I tried to put some emergency car and pet expenses in there too. But if all goes well we should be able to apply for a mortgage in the spring of 2019! For me that is amazing news. That's only two more years of renting, in fact, since we just renewed our lease for 2 years, we could possibly never have to sign another lease again!
I've been on my own since I was 17 years old, and for me this will be the biggest accomplishment of my life. I'm challenging myself to stick to the budget come hell or high water. Alex is too.
But...as life goes, we also are prepared to rent one more year if we have a big financial emergency that would eat away at our savings. We are fortunate to be able to live anywhere since we don't work outside the home. That leaves the possibilities more extensive and also the prices much lower for what we want. I was having more fun looking through the realtor.ca and viewpoint.ca websites and saw a lot of properties for sale here in Quebec and some in the Maritimes.
They are both fixer-uppers but have most of our requirements. There are HUNDREDS if not thousands of properties like this in Eastern Canada. I'd like to have more acreage and really make sure there are no neighbours in site or sound, it's very hopeful! :) We don't want to be loaded down with a huge mortgage or property tax because we want to live way below our means, pay the mortgage off a.s.a.p.; and still save for our retirement (well, mine will come first!). I have a deep-seated fear of having to go back to work in my 60's and 70's just to pay for food and bills...really I do. I'm the type who faces my fears head on (after some trepidation!) and part of fighting this fear is having a realistic budget, sticking to it and also next week I'll be tackling the annoying task of calling the federal and provincial governments to find out what exactly is offered to Canadian Citizens upon retirement. And also when IS retirement? It used to be age 65, I know it was changed to 67 a few years back...I need to pay more attention to this stuff.
These next few years will be an educational phase for us as we learn more about home ownership, maintenance and real estate law. I know nothing is written in stone, but as long as we have a plan and prepare, I think we'll manage to reach our dreams of home ownership and a self-sustaining life.
Any and all tips and suggestions from those who've done it, please share them. :)
It's still overcast, but the precipitation has stopped! The sun is teasing me a little, coming out now and then...Alex is under the weather, so I'm taking care of him today. We both need some comfort food (more so than usual lol) so tonight is gourmet pizza night! (meaning more fun ingredients than I usually use!). I'll probably make some more Crackerjacks too.