I have now moved my home office setup, back into the office room, which is both nice and sad, as it is pretty lame in here and without the cupboards bought yet, full of boxes again. This means that it is back to a blurred background for work meetings for a while.
And, it also echoes a lot.
I think I am going to have to get some of those sound absorbing panels.
The nice part is that while the office is again a shambles, the rest of the house is looking more like a house should look, though there is still some organizing to do to bring it up to speed. Once that is done, I think we are going to have to have it reevaluated to ensure that our insurance appropriately recognizes what we have done to it, as well as the bank in case we ever need to draw on the value.
I would also like to know how we are positioned in the current market, which is seeing a downturn in prices after modest increases through the pandemic. This is also going to be affected by the increase in energy costs on housing too, especially for the houses that rely heavily on electricity to heat them. Our house lays in the middle of that, where we are reliant, but also due to the air-water heat exchange system, not as reliant as we might be otherwise.
A massive amount of work has been done through this renovation so far and while the basement and garden is still largely untouched by anything major, even they are neater than they were when we moved in. We bought pre-Covid, so the price we paid was likely a little higher than we probably could have got it for, but not unbearably so.
Also, rather than taking a huge amount of debt to cover the renovations, we took a smaller loan that covered a few large items like bathroom addition and heating system, and then have been financing it through our monthly salaries instead. This has made it hard to track exactly what we have spent, but easy in the sense that we know that what we have spent on the renovation is within our means. However, it has also meant that we haven't been able to build a safety net with our salaries, so the coming months are looking a little squirrely.
Back to hand to mouth.
Fuck I hate living hand to mouth.
But for the next two months at least, it does seem like it is going to be a little that way and while this is common for many, for me I find it quite stressful. Throughout my life it has been the normal order of things for the most part, but over the last decade I have been working to break that cycle and build a better personal financial outlook, as well as improve my own relationship with money. The number one thing for me is perhaps the framing of money as a tool to build, not an endgoal in and of itself.
For me, this has meant shifting the goal from making money to use, into a reason to have the money available to use instead. It is a relatively subtle shift, but has been an important one for me, even when I don't necessarily have something immediately in mind as to what I need the money for. What I do know is that when opportunities have arisen in the past, I never had the option to take advantage of them, because I hadn't done the ground work to have money available when I needed it. It was always more of an afterthought, because of the hand to mouth living.
Building a foundation over the years has meant that I have been able to take some advantage at some level, even though it isn't as much as I would have liked. The last couple years of renovation however has put much of this on hold, but I also see what we are doing as an investment, even though it isn't liquid. If we were in great need, we would be able to sell our house, cover our debts and have something available relatively quickly, but I don't plan on getting forced into that kind of dire position - but it is a "never know" situation.
We are now into the last month of the year and it is often a stressful month, with a lot going on in the workplaces to close out the financial period and then, a lot of other family pressures and extra expenditures around the Christmas celebrations. At least on my end, we are going to be taking a very modest approach to celebrations this year, but I am sure that we will have some fun along the way too.
I also plan on taking back some of the time in lieu hours owed to me that I have collected over the last few months, and will hopefully take the days off between Christmas and New Year, with perhaps a few extra at the start of January also. I have a lot of days owed as pretty much every day is adding an hour or two on to the stack.
I plan on doing very little during that time.
Kind of like that 80s kitten poster, I think that the next few months will be a "hang in there" situation and hope that nothing too major causes us financial disruption. That hope generally goes begging however and then it is a hang in there by fighting tooth and nail situation.
But hey, one day it will all balance out, right? and one thing to remember is that regardless of what it might feel like now, the reality can always be worse.
Always good to end on a positive :)
Taraz
[ Gen1: Hive ]
2 jobs at the same time? Office job, and Splinterlands job? 😂
I had to turn the screens to something else that wasn't "work" :D
I don't count crypto stuff as work, though it probably takes up almost as much time as my two jobs :)
Now that’s a career everyone envies. 🤣
😅 !LOLZ I like to do that too.)
I didn't really think a person who is at the top of Hive could have that kind of difficulty or thought. Maybe get at least the liquid part out? Although in my country the standard of living is much lower than in Finland...
Too early for getting liquids out - or too late :)
Perhaps at the next bullrun, of there is one.
I think it always depends where one lives as to what is worth taking out. I have been working hard toward lifechanging, but at the bottom of a bear market is not going to do much in Finland.
Yes, it's not profitable to withdraw anything at all now... I hope it ends soon!
!invest_vote
@stdd denkt du hast ein Vote durch @investinthefutur verdient!
@stdd thinks you have earned a vote of @investinthefutur !
lolztoken.com
Now I have all Kenny logins
Credit: reddit
@tarazkp, I sent you an $LOLZ on behalf of @stdd
Delegate Hive Tokens to Farm $LOLZ and earn 110% Rewards. Learn more.
(4/6)
The minor inconveniences of today are only a bump in the road when you see the big picture. The pain and sacrifice is worth it when you visualize the final result.
I was talking with a colleague today about how society no longer seems to have the ability to work toward something greater, because they are constantly needing that short-term high.
In the current times it seems that we have to make ourselves money making tools. Otherwise, it is becoming very difficult to adapt to the salary money in the current recession. You have shared a very nice experience.
If there isn't a decent change in the economy soon, I think that there is going to be a lot of pushback from the masses.
While still earning a day job income, it doesn’t feel right to not keep on stacking crypto (and other investments).
While stacking, perhaps the biggest discipline and potentially mistake on hindsight later is to never cash out.
What are your thoughts on that? Diamond hand or sell discipline at any stage?
It seems crazy not to take the gamble on what very well could be the most valuable industry in the next two decades.
This is where so many fail imo too. They need it and of course, when they need it is at the bottom of the bear.
I am yet to sell anything. :)
Same. It’s been a one way cash injection.
Splinterlands is on the second monitor. This game has been played for years. Today I opened 100 packages of Chaos, almost to zero, it was nice to open)
I am thinking about buying some during the Christmas sale, though I already have a full set of CL.
Mr. Taraz, living a day-to-day life is terrible, I know this from my country where our monetary sign is plummeting against the $, the important thing in this experience is to remain focused on our square meter of action for growth and evolution.
Vene has gone through a period of endless economic mismanagement, especially considering how much money was being made in the country through oil. It is insane how much wastage happened.
It's years and years of destruction, and it's still happening, Mr. Taraz
I appreciate what between the lines I read in this comment from you,"It is unfortunate" for us citizens of this great country.
We must build awareness, and feel it in our hearts so that united and committed we can take this great country towards respect, and freedom where we can all live together.
I thought you financed some of those costs with the income from HIVE. I wonder whether you have ever spent HIVE for buying something in real?
I had to verify a crypto card, so bought a headset for my wife - other than that - nothing outside crypto.
Yay for the house looking more housey at least, means the renos are starting towards being complete right? :D
Yeah, it is getting there - though at this rate, I feel like I will never be able to enjoy it!
It can feel like that x_x
Hello good morning, sometimes it is difficult to make decisions that can affect us in some way, but we always want the changes to be for the better, in good time I decided to do it, I hope you have a Merry Christmas with your loved ones and that divine light enlighten greetings.
Merry Christmas to you too :)
Perhaps financial freedom is what we all seek. Despite the downturns of life, I always believe that every person can make it if and only if there is a commitment to achieve the goal combined with self-discipline. In your case, indeed would balance things out. Not now, but sooner and later when the world conspires and ends with positivity. However, we will not understand its value without attracting opposing sides, but I believe the following moments in your life will not worsen, Sir. I hope you are having a great time at the office. Take care.
Self-discipline is an interesting concept, as it has a genetic component too - so what about those who are not genetically gifted? Where are the lessons on building self-discipline at school? Yet, we need to know the longest river in the world?
Exactly, sir, hehe. Indeed those who are not genetically gifted find it hard to cope with life, but it is a matter of chance where they learn best from the worst. !LUV !PIZZA
As it should be.
Love the fact that you've got splinterlands and hive open 😎😎😎
Around Hive is where I spend all of my digital time when not working :)
Mostly the case for me aswell😅 After coming back to Hive ive spent barely anytime on social media sites such as FB, insta and those related apps... And I'm glad because when I tend to open hive it's full of positive stuff where as opposed to the norm social media sites it's really just a bunch of toxicity
I gifted $PIZZA slices here:
@pinkchic(1/5) tipped @tarazkp (x1)
Learn more at https://hive.pizza!