First Time Home Buyer

It’s been so long since I owned my own home that I now qualify for the First Time Home Buyer Program here in Canada. I’m a full-time student working part-time for a church, so this information isn’t of any real use to me. Not yet.

I’ve owned as opposed to rent for the majority of my adult life. I was married when we bought our first home, for $96,000, in 1998. You probably couldn’t buy that house for less than $225,000 now! After the divorce, I wound up cohabitating with a boyfriend and selling my house. I used the proceeds to buy into his house. When that didn’t work out, and once he had his credit score fixed, he paid me out from that house and I used those proceeds to buy my very own little bungalow which I nicknamed the Hobbit House. I loved living in that house.

Another failed relationship later and I bought a 2600 sq ft, four bedroom home near the kids’ high school. I rented out the bungalow. This new home had two decks and each deck had a lilac tree growing beside it.

I sold my sweet bungalow to pay off all my debts once the kids had both moved out.

I sold the larger home to put money down on a condo with yet another boyfriend. When that ended, he wasn’t able to free up money to give me back my down payment and couldn’t qualify for the mortgage on his own. So I started renting, for the first time since I was 26. I moved to a co-op, which was a drastic change from the exclusive condo lifestyle. I spent a year in the co-op, and then three years in a lovely one bedroom apartment with a splendid view.

Now for two years I’m living in my friends’ house while they’re out of the country. This keeps the rent very low and allows me to go to school, while keeping their house safe and well-tended. I am so glad to be back in a house. I am also glad to have had a break from taking care of a house, but it’s good to be back. When these two years are over, I’ll want to buy a house again. With the home buyer plan, I can use RRSP for my down payment without tax consequence, and save on some transfer tax. I’m gonna need an income though! So all that said, I better get doing my school work so I qualify for a mortgage when I graduate.

This post brought to you by second term looming procrastination.

Parked dog at Timportance

The kids used to call Tim Hortons “Timportance”. I’ve always like that.

Being the unemployed recipient of a Tim’s card for Christmas and owing to the fact that I got up at 9:15, I got take-out coffee and a breakfast sandwich to punctuate the dog’s walk this morning. Can I just add a shout out to my small dog’s bladder? Way to adapt to changing definitions of “morning walk.”

There were five tables occupied at the Timmys. The staff were super quick throwing together the food so I didn’t get a good look at the table occupants. And it’s impolite to stare they say, yadayada.

Table one: a man and a woman in animated discussion. Papers strewn on tabletop being shuffled and referred to. Some with letterhead, some without. Some appeared to be reports. She’s smiling; I can’t see his face. Maybe numbers are up? Maybe they’re in the planning stages of their Big Idea? Maybe these are the papers they stole to finally bring down the Company, after a quick coffee break?

Table two: a woman sitting alone, reading. She has a hot beverage cup – maybe it’s a coffee, maybe it’s a Caramel Fudge Hot Chocolate – and is eating a Timbit. She gazes out the window at my parked dog, scans the room and then smiles kindly at me. Her book is called “Stop Eating Your Feelings.”

Table Three: a man by the fire. There are four comfortable looking chairs by the fire-feature and he is by himself in one of them. His phone is held aloft as he is immersed in a video chat. I don’t see earphones but I can’t hear the person on the phone, either. Maybe there are Bluetooth earphones under the man’s hat. I can’t hear him really either so maybe he’s using those earphones that turn your jaw movements into sound. Whatever silent thing is said makes him scowl and he pauses to stretch and to look around but not see anyone. It’s like he’s not really there at all.

Table Four: a man in dirty, worn-out clothes. He’s in layers, mismatched, rumpled, with greasy, hat-head hair. His coffee is done or forgotten. He’s playing a scratch ticket with enviable intensity.

Table Five: two older men. No phones on this table. Two disposable hot beverage cups and two sets of old hands. They hold eye contact while they talk. There doesn’t seem to be any tension between them, but also no expansive, heavily-gestured, shoot-the-shit energy. Two older men in companionable conversation. Past co-workers? Old friends? Ex-husband and widower of the same long gone woman?

And me. Me at the counter at 10AM getting breakfast to go. With my warm winter coat and cute pink hat to hide my bed-head. My adorable little dog waiting patiently outside. Smiling, looking at my phone, saying thank-you. Does the woman with the book wonder if I feel bad to be eating breakfast so late? Because I do, I feel guilty for sleeping in until 9:15. I have no routine and it’s overcast so I slept. Does she wonder if I eat out all the time? I don’t – I’m not working and eating out makes me feel guilty apart from this because I have a Tim’s card. I think I must look confident and put together on the outside most of the time but really I’m at a loss.

I didn’t go to Europe to find myself. I did go in part because I got married during University so I never did the run away to Europe thing. I did it like a middle-aged person – I went to lose myself. And I was famously successful. But now I need to pay bills and I can’t look for a career-type job because I want to start my Masters in the Autumn. And having been weightlessly nothing for an extended period of time, I don’t really want to stop. But “Sleeps in if it’s Cloudy” is not a title that pays the bills.

What self am I creating? Big ideas self? Lonely self-improvement self? Not really there at all self? Fervent scratch ticket self? Comfortable chat self?

For now I guess I’ll focus on becoming “makes enough to pay the bills” self and take it from there.

Piri Piri Tourtiere Debate

I’m sitting in my car watching the snow fall in Victoria Park. When I was in Portugal I regarded Christmas displays depicting pine trees and snow-covered hills. It’s strange to be in a foreign country and realise that their images of Christmas are your home country’s reality. We live in a Christmas card; why is this the dominant Christmas picture?

I’m drinking coffee and eating a nata tart. I don’t think I liked nata before I went to Portugal and now I find myself daydreaming about them. At  Farm Boy there were four tarts in the bakery. The smiling staff member put them in a box for me – it seemed a lucky omen; four tarts, four kids coming for Christmas! But as I took a couple of steps away and sampled a chocolate croissant, it occurred to me that I hadn’t purchased myself a tart.  There were no more in the display but luckily two steps further there packages of six. One extra tart is a much more easily solved problem.

I had been to Fairview Mall, Kitchener to set up WiFi for my apartment now that I’m moving back there. The staff member who sold me my cell phone plan at Virgin Mobile had offered to let me know when WiFi deals came up, which she did a few days ago. I ran it by my son just to make sure, and then told her I’d be there Christmas Eve in the morning to set it up. It went smoothly and it’s a great deal – if you’re looking for a cell phone package or wireless plan I totally recommend Lisa at the Fairview Mall Virgin Mobile kiosk. Now I’ve got to think of a witty name for my WiFi network. Previously it was called folkiekitten, but things have changed. Things have shifted. I just don’t identify with that network name anymore. If you have any suggestions let me know.

So I found myself down by Fairview Mall which is kitty-corner to Farm Boy. Last night I had looked unsuccessfully for two different food items in three different stores: brussel sprouts and a cottage roll. There’s a good chance that cottage roll just doesn’t exist in Southern Ontario. I picked up a piri-piri chicken last night though, thinking it might be a nice Christmas Eve dinner tie in to my time in Portugal. So anyway after signing for the WiFi, I drove my sleigh over to the Farm Boy to see if they had either cottage roll or brussel sprouts. This was overall a Christmas spending tactical error. I really like Farm Boy and want everything they sell (apart from the seafood, gross, sea-bugs). I didn’t need that hot chocolate. I definitely don’t need eggnog fudge for dessert. I’m just not very good at resisting things that please me. The brussel sprouts were terribly expensive. I stood there in the bright light of Farm Boy googling “brussel sprouts shortage 2018”, and sure enough it’s the reality. I quickly posted about this telling the kids that they’ll be having kale. It’s okay. They like kale. Wandering along to the deli area I was transfixed by their homemade tourtiere. Tourtieres are Christmas food. I picked one up to ascertain the heft of it, and then stood there amongst all the happy Farm Boy customers just pondering tourtiere. It would be delicious; you could tell because they also had half-pies sealed in plastic where you could see the meaty insides. Maybe we should have tourtiere for Christmas Eve dinner. But I already have piri-piri chicken. On the other hand, sweet potato casserole would go much better with tourtiere, though kale could go with either. And if we’re going to have tourtiere and go with a Canadian Christmas, why do I have nata tarts for dessert? Will we just have eggnog fudge for dessert without the tarts? Why do I even have tarts, fudge, a tourtiere AND a chicken? That’s a lot of food, I already spent over $100 last night and now I’m going to spend another $50? It’s a luxury to even consider the possibility of having two Christmas dinners available. It’s a luxury to be indecisive as to what to eat this evening. Trying to decide between two expensive proteins for a whimsical dinner on the holidays it’s definitely a sign of privilege. I’m really lucky that I can afford this. On second thought, CAN I afford this? I have no income at the moment – I can’t really afford anything. My sense of abundance, my sense of being able to afford tourtiere or piri-piri chicken or tarts or fudge – it’s all an illusion. Mind you, when I felt I could afford nothing and so I tried to do without anything – that was also an illusion. Scarcity is an illusion. Abundance is an illusion. All things are allusion but arguably  also very, very real. Is our reality an illusion? These are heavy thoughts, heavier even than the tourtiere I was still holding standing motionless in the deli section.

I watched a happy couple experience a Christmas miracle. The Farm Boy employee (all the Farm Boy employees are always smiling what is with this place) was presenting to them their Christmas dinner in a box. I cannot begin to describe the pure joy and delight on the faces of this man and this woman as the box containing turkey dinner complete with every trimming including directions for assembly was revealed. I decided right then and there that regardless of what this year’s Christmas dinner was going to be, next year I was giving myself the gift of a Christmas dinner box from Farm Boy – providing I’ve worked out the conundrum of abundance and scarcity, or maybe just found a job.