Holiday 2021 giveaway: Scented candles.

We have one month before Christmas and a little more than that until Kwanzaa, so let’s keep these giveaways coming! This time around, the holiday 2021 giveaway is sponsored by Abigail Perry of I Pick Up Pennies, whom regular readers will know is my daughter. These highly scented candles could become four or more holiday gifts for some lucky reader, or maybe a really nice self-gift.

The backstory, as I recall it: Abby had written about the importance of supporting local and small-biz economies. One of her readers mentioned that she had an Etsy shop called BettysOnly. Abby visited and spent a little money, and decided to donate them to my holiday giveaway series.

As you can see from the photo, there are four good-sized scented candles and four little tulle bags. The bags are full of what I initially thought were small, flat candles, but which on closer inspection  proved to be wickless. I concluded that these are fragrance blocks, designed to perfume a room. Put one or two of them into a dish in a musty-smelling room, closet or dresser drawer and they’ll change the dynamic pretty quickly.

(I brought them home wrapped in plastic bags in my suitcase several weeks ago, and that Gladstone still smells sweet. Since I’m heading for the Talkeetna Bachelors Auction and Wilderness Woman Competition next weekend with Linda B., I’ll be even more irresistible than I usually am. Or my clothes will, anyway.)

You could give this prize as one great big holiday or birthday (or Valentine’s Day) present, or split it up into individual gifts. Three of the four candles are heart-shaped and one is a tall, square pillar. The smaller bags would make good stocking-stuffers, or little gifts to someone you’d like to treat but with whom you don’t want to provoke a gift war; such a small remembrance shouldn’t make that person feel, “Oh, but I didn’t get you anything!”

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Monday miscellany: Debt taboo edition.

Some folks would rather talk about religion, politics, COVID-19 safety protocols or even their weight than discuss their credit card debt, according to a new survey from Bankrate.com. These days, that really means something. After all, families have fractured and friendships have evaporated after discussions over the 2020 election, and whether or not COVID is real. Compared to those incendiary topics, debt seems relatively tame.

The survey revealed that millennials are the most likely (62 percent) to be willing to discuss credit card debt, compared to Gen Z (59 percent), Gen X (51 percent), Baby Boomers (47 percent) and the “silent generation” (41 percent).

Ana Staples, a young credit analyst for Bankrate, thinks this is a good thing. “Even though debt is still an uncomfortable topic, young people are less prone to be cautious of its stigma,” Staples notes.

“Credit card debt isn’t something to be ashamed of.”

No – but it is something to be avoided. And many of those surveyed worry that they’re in this for the long haul. 

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Extreme heat, safe retirement and book-ish T-shirts.

I’m in Phoenix, where my brain is slowly frying. Which helps explains the rando stuff I’m about to post.

First: I flew down here to Satan’s Fry Daddy to help my daughter celebrate her 40th birthday. Yes, I was surprised as well, and mildly curious as to where those four decades flew.

Part of my birthday gift to Abby was to help prepare* for the bash: cleaning, shopping and food prep. It was quite the spread, encompassing fruits, vegetables, hummus, meats, cheeses, tortilla chips and salsa, crackers, pita bread, chocolate chip cookies, miniature Reese’s peanut butter cups and a decent selection of adult beverages, bought by Abby and Tim and also brought by their pals.

If you’re gonna invite people, invite those who bring the weird stuff rather than expect you to anticipate their tastes. Hard iced tea – who knew?

 

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If you’re so smart, why aren’t you rich?

money © by 401(K) 2012

(Happy Throwback Thursday, everyone! This article originally ran on Oct. 25, 2012. Its sentiments are as valid to me today as they were back then. The comments section is pretty lively, too.)

My daughter didn’t want to start a pissing match when she responded to a post called “There is no monopoly on being rich.” She knew it was a possibility, however, and turns out she was right.

The site’s author, Sam, responded with an oblivious chirp of a comment that stated, among other things, “I have set backs [sic] and disabilities too, but I’ve decided to always look on the bright side. Why does something optimistic on my blog insult and aggravate you? If this short and sweet post makes you angry, then I fear your life is going to be even more difficult than normal.”

And one reader growled, “Who would want to hang out with someone like you? No wonder why you are having such trouble! … Why not create a blog as big as (Sam’s) and generate online income, that way, you wouldn’t feel as financially constraint. [sic] I’m sure it takes a lot of work, but if Sam and what looks like many others can do it, why can’t you? Finger cramping?”

So Abby wrote a piece for her own site called “Flame war, party of two!” It asks readers to weigh in on her comment, which says there kind of is a monopoly on being rich.

 

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The painful truth about your emergency fund.

Last year I fully intended to promote my book and also my daughter’s book at the Financial Blogger Conference. What happened instead is that Abby became seriously ill and we both missed most of the programs.

No networking for us!

Not only did we not have the chance to promote our work, the experience wound up costing us. She had to take extra time off work, and as a contractor, she doesn’t get sick days as such. She just doesn’t get paid.

I wound up spending about an extra $1,000 on extended hotel and rental car costs plus the change fee for my plane ticket. Wheeee!

Did any of that matter? No. And yes.

That’s the subject of my post today on The Simple Dollar, a piece called “The Painful Truth About Your Emergency Fund.” Obviously I would have done anything to help my daughter recover. Yet I learned something from the experience: that using your EF is really irritating.

 

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Credit myths, plus a chance to win “Playbook Vol. 2.”

Pop quiz! True or false:

Closing a credit card always decreases your credit score.

It is possible to lock all of your credit reports at once.

Utility payments are always included in credit scores.

Marital status affects your credit report.

Checking your credit score has an impact on your credit report.

If you said “false” to all of these, then you’re ahead of a bunch of your fellow citizens. Anywhere from 31 to 51 percent of those surveyed didn’t know that, according to a new study from TransUnion.

Want to learn a little more? Check out my guest post on I Pick Up Pennies. It’s an excerpt from “Your Playbook For Tough Times, Vol. 2: Needs And Wants Edition” – and if you act soon, you might win a copy.

 

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Heading back to Phoenix tomorrow.

Those who follow my daughter’s blog already know what happened recently: Her husband broke one heel and sprained the other quite badly.

Tim is feeling extra-crummy about the way-preventable incident (see “The whole story” for details) and Abby’s feeling overwhelmed by needing to take on Tim’s share of household responsibilities in addition to her own, and to her full-time job.

For those who aren’t familiar with my daughter’s situation, both she and her husband have chronic health issues. Some days she has more spoons than others.

After she e-mailed me about what had happened I wrote an “oh noes!” sort of note in return. As a P.S., I said “let me know if you want me to use one of my buddy passes and come do a little heavy lifting.” She wrote back something along the lines of, “Were you serious about that? How soon can you get here?”

And that, Phoenix-area readers, is why I’m heading south once more.

 

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See you at a pair of Phoenix meet-ups.

thI’m heading to Phoenix for the holidays. Wanna have coffee?

Usually I try to organize a meet-up whenever I visit my daughter. This time around I plan two such get-togethers:

Wednesday, Dec. 28, from 9:30 a.m. to noon

Saturday, Dec. 31, from noon to 3 p.m.

(Note: Originally I’d said “9 a.m. to noon.” But that was before I realized/remembered that the restaurant doesn’t open until half an hour after that. D’oh!)

Yep, both times can be awkward: the Wednesday one because working folk may not be able to make it, and the Saturday one because New Year’s Eve. Still, I can offer two good reasons to be there.

 

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Phoenix: Still hot.

th-2My trip to Phoenix went as smoothly as a red-eye can, for which I am grateful. Both flights were completely full but no one was a pig about overhead bin space and thus the planes left on time.

No crying babies, either, although several of them were nearby. I even slept for the entire flight – thanks, generic Benadryl* caplet!

The winds were with us from Anchorage to Seattle, and we made it in about three hours. As I walked into the terminal I checked a monitor and realized my next flight was leaving from the same gate. Easy enough.

I ate the breakfast I’d packed** (buttered roll, apple), walked around for a while to get my legs working, and then got back on the plane and went back to sleep. About two and a half hours later I was on the ground in Phoenix.

The captain announced the temperature at 79 degrees. Manageable, I thought. But by mid-afternoon, when my daughter and I went out in search of FinCon16 clothing, it had got a lot hotter.

Hot enough that I thought, “This is definitely warmer than 79.” But since desert heat is a tricky animal, I had no way of knowing it was 102 degrees. That is, until my daughter checked the weather.

Just as northerners chuckle at those who find 30 degrees so cold, no doubt Phoenix residents would snicker at my discomfort. “Oh, this isn’t hot. Wait until it hits 112!”

 

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A wildfire, the Plutus and some good reads.

thOur house smells of smoke thanks to a wildfire just south of town. The recent unusually sunny and warm weather has left the area ready to burn.

The linked video above shows an uninhabited, mountainous area. Unfortunately the blaze is spreading toward a part of town with wonderful homes – and no utility infrastructure.

That’s the trouble with living in an isolated area: Even if fire trucks can get up there, they can use only the water they brought with them.

Residents are packing their bug-out bags and creating what the fire folks call “defensible spaces” around their homes (e.g., removing trees and mowing down brush) and everyone’s sort of on tenterhooks. I expect even the atheists are praying for a downpour right about now.

Down here on the flats I’m feeling sad for anyone in the fire’s path and also experiencing a bit of survivor’s guilt. Our house lot is mostly treeless; if fire broke out in tree-heavy areas nearby, we have two hose hookups that would let us squirt out any embers that blew our way.

Thanks to the city water system we’d have a steady supply. One of us could be on the ground watching for hot spots and the other on the roof to protect the shingles. Since this is a one-story house it would be a simple scramble up the ladder; DF does this every year when he sweeps the chimney.

Right now I’m praying (for real) for rain.

 

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