Sunday, January 14, 2018

From the desk of Zee Mark


It is Sunday afternoon, the middle of January; a gray, cold day in Toronto, 4:30 PM, I'm doing laundry. The third machine is set and it's working; I changed the bed sheets, the bedroom smells so nice. I'm a happy man, my girlfriend spent weekend with me and we had a great time. Just for the record, we went to sleep at 4:30 AM on Saturday morning and 2:30 AM this morning. I know... we are crazy. She is my best friend, my darling, and my sweetheart... she is my love.

Yoga practice is priority for next week. I would like to do 5 practices. I have no other plans. I may go for beer night on Monday and meet my friends. A long time I haven't see some of them. I'm planning to make a party at my place in two weeks, I will cook beans and call my friends for a dinner. Will see.

I put money spending under control. Since January 1st, I use my app for tracking expenses and it is really helpful. I don't use credit cards anymore. Everything I buy I pay by cash. I've seen that I can live with $200 per week, and I will stay in that range for the next 2-3 months. Last week, I called my mortgage broker and I initiated early renewal for my mortgage and I'll use re-financing to pay out my debt which stays now at 11K.

Don't get me wrong. I am not the one of those people who live the life for saving and stashing money for retirement. I'm not concerned for retirement. I try to live in the moment. However I don't like to owe money, I feel very uncomfortable with debt. So I'm going to re-finance my mortgage, I know it is a bad thing to do but I have no other option to pay off debt. My bonus payment will come at the end of April and that amount is not so large to cover the entire debt. So I will proceed with the mortgage re-financing.

Next week I will continue to study and learn the advanced topics of android programming. I'll do that at home at my spare time. At work things are heating up and I will be very busy next week. I would like to start next android project but at present I have no clue what to make. The Cash app is missing help and I have to add that feature to the app. BTW, there are no new sales of the app, I'm now aware there will not be more than 10 downloads of the app. It doesn't matter, I enjoyed making it.

In the last 20 years every summer I went and visited my parents back home. This year, for the first time, I will not go. I have no plans to visit my father and relatives and spend a large amount of money for the trip. It is okay, I will send to my father and sister half of what would cost me so they will be satisfied and I will be good too. For this year I have plans to go to Barcelona with my girlfriend. Seven day would be nice, sometime in June or July. But that trip should be completely paid off in advance, I have no intention of borrowing money and going into debt because of the trip.

There is nothing else worth noticing in my life. And I don't really want surprises. I'll keep 9 PM bed time, continue reading Reality Vs. Illusion by Ranjit Maharaj, continuing monitoring and saving money and I'll try to do 5 yoga practices by next Saturday. The dryer just clicked and the third machine is done. I'm going to take out my clothes... later, I'm going for a walk to Bloor street I want a coffee at Starbucks. It is -15 C and it feels much colder but that doesn't really matter.


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