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Update on Line of Credit and Surgery

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Update on Debt Reduction Strategies

I called to find out about the line of credit I applied for. It’s a good thing I am decent at telephone negotiations, because they definitely gave me the runaround. The application was stuck somewhere in the system, but I finally found out it is now conditionally approved (pending income verification). No comment on how I was supposed to find this out (carrier pigeon? Smoke signals? They certainly didn’t call, write, or email). The problem is that they approved me at a much higher rate and told me the promotion I applied for had expired!

Politely, I noted that I applied a few days after I got the email, well before the deadline of the 19th. I’m not psychic and no one reached out. For some reason, I had to explain that to two different people over the course of 35 minutes. I dislike wearing the “can I speak to your manager” hat, don’t you?? Regardless, the application moved ahead and I’m now putting together my proof of income. Fingers crossed they accept it. I included my bonus in there which wasn’t smart, in retrospect, but I receive that bonus every year.  I’ll include my tax returns as evidence. I also have side income I need to submit proof of. The whole thing is still a bit shaky but I remain optimistic.

What to do with a $9500 line of credit?

I plan to pay off my two credit cards with it. They are both at 19.99% interest and the payments are stressing me out! I’m not sure what to do with all the payments and subscriptions that come off my main Visa card. Things like my weekly transit pass, monthly subscriptions such as Netflix and Spotify, pet insurance. I don’t account for these things properly in my (let’s be blunt, non-existent) budget. I’m thinking of closing one credit card and keeping the other one open for these items, and paying them off every Monday to stay on top of the balance. How do you handle monthly payments on a credit card? I prefer the protection of Visa to Visa Debit linked to my checking account. Getting money back from erroneous billing/fraud in your checking account is next to impossible, whereas it’s fairly easy with credit card companies.

Eventually, I’d really like to switch to a travel rewards card. I want the premium economy leg room and airport lounge access, baby! A girl can dream. For now, I need to demonstrate I can be responsible with credit and work with what I have.

Surgery went well

Update on the glomus tumour removal! I feel SO MUCH better this time around! My hand already has more mobility than it did three weeks in to healing last time. The surgeon went in from the side to avoid existing scar tissue, and I get to keep my fingernail this time. I also have to say, this was my first time at this particular hospital (Sunnybrook Hospital in Toronto). It was just so nice compared to the Scarborough hospital, which is down the street from me. Sunnybrook is far more advanced technologically! They were scanning the barcode on my wrist everywhere I went and had monitors in waiting rooms for families to see their loved one’s surgical status. I was able to give my parents my patient code and they could see my status online, too.

I moved around a bit in prep, and I was given three heated blankets in that time. The nurses would wrap the blanket around my shoulders and give a little squeeze. It felt so nice! And then in the OR, the surgeon noticed tears in my eyes, and he asked what was wrong. I said I regretted not having my parents there that day. He said his daughter is 30 and she would want him there if she was having surgery, too. He said, “We can go as slow as you want. I won’t do anything you don’t want me to do. Let’s talk through what’s next and you can let me know when you’re ready.” He was so compassionate, and I was so tired and emotional. His kindness warmed me right through. He held my hand for a bit, and I will remember that forever.

Next up…

Time to get the financial house in order. It still feels like I’m free-falling with spending and expenses. The goal: get the whole budget done to minimize anxiety. I’m beginning work on that right now. I’m off work til Wednesday!


Speaking of Health – Exercise on the Cheap

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Speaking of health…Over the years, I have been very guilty of the mindset “if I pay for it, I’ll be more motivated to go” when it comes to gym memberships. In fact, just two years ago, when we first moved to Georgia and into my Grandmother’s house, I joined a gym for the family.

It was in walking distance of her house and gave us somewhere to go on a daily basis to get out of her way and burn off some steam. I was determined to lose some weight. And for about 4 months, I went daily. Every morning at 5am before I go to work, I would do 30 minutes of cardio there.

And then I fell off the wagon and we got settled in and we stopped using that outlet. Thank goodness there was no long term commitment and the cost was very affordable. About $35 dollars for the whole family, I think.

Need to Exercise

I know you are groaning now, aren’t you? Thinking I am now going to justify joining a gym again. Don’t worry, I’m not. Not even thinking about it. First of all, I never leave the house if I don’t have too, so going to a gym is not even on my radar.

But I do need to add some movement to my days. Working from home tends to make me a bit lazy…other than weekly yard work and taking the dogs out a few times a day, I really don’t have to move around a lot. And I need too.

Workout Plan

With the advent of the new school year this week, I’ve come up with a plan. Free plan, even!

At 6:20 a.m., I take the dogs out every morning. We typically just walk around a while or I tie them up and work in the yard for a while. But I’ve decided to add jump roping to my daily routine. It will get my heart rate up. I heard it’s one of the best “all over” exercises you can do. And doing that early in the morning gave little chance of many people seeing my fat jumping around.

Afternoon lull. I don’t know about you, but I tend to hit a wall in the early afternoon. I can hardly keep my eyes open. And my brain is fried from concentrating on work for the last 5-6 hours with few breaks. So I decided to add something super convenient, free and upbeat. I’m going to try doing the Dance Fitness with Jessica workouts that she posts for free access on YouTube. I literally can turn them on in my computer screen, slide my desk chair out of the way, and get to moving! I figure just doing one dance, at my very novice level, will be a good start. (Yes, you can laugh when you picture, I do.)

You have to admit they look like fun, right? This is my FREE fitness plan to add to my already tweaked eating and fasting plan I mentioned on Monday. What about you? What does your fitness routine look like? Are you a gym rat or do you have a home workout plan that is both cost-conscious and effective for you? I’d love to hear about it.


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