The City Mouse in the Country

 Before my mother passed back in October of 2020, she and my dad has basically consolidated their lives to a small 2 room apartment building.   In the brutal logic that both my mom and dad practiced it made sense.   Less to maintain as they grew older meant less to worry about. Their sons were married and had moved away from home a long time ago. They didn't need much or wanted much.  They lived simple lives and would rather spend their days on things they enjoyed like watching a family of deer romp in a field that their balcony overlooked.  Going out to dinner and spending time with loved ones and family. When she passed unexpectedly and Gary, my brother, and I cleaned out the apartment, we were still amazed by the junk they had accumulated.   Somehow, we managed to get through the days.  When my dad passed , it was a little easier to not only deal with his passing, but to clean what he had left in his bedroom. The original paint and d...

Life happens.   In this past month we have finally managed to paint a majority of the house.  We used a paint named "Cream in your coffee" on the walls now with an accent wall of grayish/green running throughout the length of the house. Suddenly our walls are lighter and more vibrant.  Our house seems more like our home and not the former owner's residence.   It's just a series of home improvements that we have been working on since buying the house in September of last year.   our original look Some of those jobs have been major, others not so much but each job has increased the value of our home.  Sadly, for most Americans the home is going to be the most valuable thing they own, and for Susan and myself there may come a time when we can no longer due the upkeep on the home, and when that time comes, we can relax in the knowledge that all the major work was done when we were young. I still want to do solar panels. During the past mon...

If you have been following this blog for some time then you know that 2023 has not been a great year for us.   We have dealt with death, failure, job changes (which I realize was a mistake) and more negatives than positives. That's life.  It was the hand that we were dealt. Now that Thanksgiving day is upon us (and at the time of publication, past us), it occurs to me that we do have some things to be thankful for.  We do have good friends and a strong family.  We do have money in the bank and jobs that we are successful at. We have our health. We can change some things and work on making our lives better.   We also have, perhaps overly ambitious plans, for the winter and next spring.  We plan on painting this winter, which has been on the agenda for sometime but still has not been accomplished.  If we manage to get one room done then I'll consider it to have been a success.  Then in the spring, I think I'll put off planting anything like a t...

This has been a year of progress.  We are entering our third year of country living and I'm actually feeling a little more hopeful than I did this time last year.  We entered the year with vague goals, things that we wanted to accomplish but with little to know idea on how to accomplish them. We managed to get a lot done. Susan could not stand the bathroom and kitchen from day one in our home, and we somehow managed to replace the windows, redo the majority of our kitchen and part of our bathroom.   That was just some of those goals we had in mind at the start of 2022.   Technically the bath is far from done, and the kitchen does need a little more work before I'm ready to call it "finished."  We got things done, that's the important thing. Yes, they took longer than I would have liked. We discussed how to keep your house warm on a budget.   I wanted to plant a small garden and we did have a few containers full of strawberries, some herbs, tomat...

My wife and I have been blessed with good luck, good opportunities and  family that has always been there for us.  However I also know that not everyone has the fortune, family or opportunities that we have had.    We have sadly learned a lot about those families in our area through the IOOF and other charities in the local area that Sue and I belong to.   So as I throw another log onto the proverbial fire and think about how lucky I've been compared to others I thought I would pass on some common sense, and not so common sense ideas to help someone save a bit of money and get through the coming winter months.   I can see no reason why someone needs to live in an icebox, or choose between food and warmth .   Sadly there is no easy solutions and everything that is worth doing takes time and energy.  Sometimes even a little money.  So what I'm offering here is advice that will help reduce your energy costs at least and can b...

 Rome, the saying goes, was not built in a day.   Home improvement will take longer than the rise and fall of Rome and despite recent emotional issues, simply can not wait.  Plans were put in place months ago, and for a variety of reasons, could not be completed until now.  Our home was built by its original owner and although there is much to be celebrated about it; it was never really updated since its construction in the 1970’s.  We replaced the roof shortly after moving in as well as the outdated wood stove used to heat the home with a much more efficient wood pellet stove. Fast forward a few years and now we are in the process of replacing the older windows and doors with new and more efficient ones, and the stress of having those replaced as well as work in our kitchen and bath going on at the same time has caused me...to become "unsettled." I would never call myself a fastidious person, but I do have my schedule and my own ways of doing things...

     Lately everything is on "hold."  My garage is filled to the brim with appliances and tile waiting to be installed for the updated kitchen.   We have a new front door ordered, windows sitting on a loading dock somewhere and lightening ready to be installed.     We are waiting on our contractor to finish one job and start ours.        I started a new position at work in late August, where I am working nearly exclusively with "high touch" customers and agents that need to have their needs fulfilled yesterday.  I feel for them, I've been an insurance agent for eight years now and have owned my own independent delivery company (one of those jobs that I fell into - much like insurance) for roughly 15 years.  I've spent nearly my entire working career in sales.  You always want to under promise and over deliver. Due to 1001 reasons a lot of those requests and desires simply can't be fulfilled.  ...

      When I sit down to write something, I do so for two reasons; the first is that yes, I want to remember my thoughts and feeling about a particular moment in time, so in some ways this blog serves as my journal.  The second reason is that I hope to impart some knowledge or information on.  In the hope that you, gentle reader, might learn something new or, more likely, avoid the mistakes I make.        I leave that decision up to you.       Thus, in some ways you can blame our youngest cat, Bobble, for our upcoming spending a lot of money on window's and other home improvements.       Our first winter in Western Pennsylvania was not really that bad.  This year it seemed we had weeks of sub zero temperatures and several feet of snow.  Our house was physically colder.   Now if your wondering why I'm blaming the cat then please read on dear reader.   ...

    Well I don't consider myself a homesteader in a strict sense, I often find that homesteaders often ask questions about income and financial matters.  This article is to address a bit of confusion about how a home equity loan works and why home improvement is a secret weapon you can take advantage off.        You should always consult a tax and licensed financial advisor in your area. That being said, I am a licensed and bonded insurance agent and have over 20+ years of banking and financial experience and offer this advice freely.               I'm standing outside the house with a tape measure in my hand and marking off an area roughly 24 feet wide (7.3 M) by 24 feet long.  It's roughly the area of a two car garage.   The current garage we have is internal and used more for storage than anything else.   It's a tight space for one car.     Rates will...