Posted in 2026, life, Memories

Bad at Math

I was in third grade when I realized I was bad at Math. I made my way through adding, subtracting, simple multiplication and division, but long division tripped me up and revealed what would be a life long problem.

The complexity of carrying numbers made my head ache and I just couldn’t “see” how to do it. Especially under pressure in class!

What?! I still don’t get it

My mother spent time with me at night working on it. She would take paper headed for the trash at work and use the backs of them to make up problems for me to work on. Did it help? Perhaps, but I from that point forward I labeled myself, “Bad At Math”.

I struggled through Algebra, Geometry, and Review Math in High School. But not Accounting. Accounting had a black and white to it. It all had to add up in the end. I had two semesters of Accounting in high school and 2 in college. If my college hadn’t closed the year I graduated with my Associate’s Degree, I would have continued on for another two years to get my degree in Accounting. But, with three grades of students needing to transfer, I thought let me take my degree and go.

Now for over 25 years, I’ve worked in our remodeling business as the bookkeeper using QuickBooks. Thank Heavens, because I’m still bad at math!

Posted in 2026, Writing

On Time

My husband says “if you’re not five minutes early to an appointment, you’re late”. Mind you, he was talking about appointments with homeowners, not doctors’ appointments.

I try to live by that rule, but I’m not always successful especially when I’m getting ready to go somewhere – but it doesn’t impact the “somewhere”, only my husband who is waiting for me!

But if I’m going to a program or a class (even on Zoom), I’m going to be there and ready 15 minutes before it starts. Which leads me to last night.

Last night was the first night of a monthly program on writing. A Writers Guild. It was held in the past as I remember seeing the notices, it disappeared (covid?), and now has been resurrected. I’m very excited about it!

I arrived 10 minutes early and there were already about 10 people seated. I settled in, the teacher waited until 6:30, and then began talking about the group, introduced herself, and we began our introductions.

For the next 10 minutes, 5 or 6 people dribbled through the door. The last person walked through the door 20 minutes late.

I hope the annoyance didn’t show on my face while I was trying to pay attention! I will try and give grace to anyone arriving late next month. Perhaps they have a family or parents to take care of or a job they are clocking out of that prevents them from arriving with enough time to settle in before class.

Timeliness. How important is it to you? Does a particular situation make a difference? I’m all for 10 minutes early to class but I’ll be flying through the door of the doctor’s office on the dot because I know I’ll be waiting 15!

Posted in 2026, Business, life

Reports and More Reports

I handle the accounting and payroll for a company, which means governmental reports, and lots of them.

The quarterly ones are not so bad because at least I do them four times a year. However, there is usually a notification to change my password. 15 characters! One capital letter! One Number! One symbol but only #@& or *! You cannot use any part of your previous five passwords! Get the picture?

I can do the majority of quarterly reports through Quickbooks, but my state decided that SOME reports, you have to go through their website. Notice I said SOME.

But don’t worry, I have a checklist for every report with the website I need to process the report correctly. I’ve been doing this too long to not have step by step instructions!

Now, let’s talk about the annual reports. Once a year. I’m talking specifically about the ACA Proof of Health Insurance or 1065-B report. Wait, I stand corrected. Per the IRS it’s a “1065-B document”. This is something I have to do because we are a self-funded small business but I don’t have to do any of the “funding” like a typical self-funded group. I pay a flat monthly rate for each employee and based on the medical expenses for the year, sometimes I get money back after the year end, and sometimes I don’t. I’m fortunate that the majority of the work is done by my carrier to Mineral that sends on the reports to the IRS. I just print them and give them to my employees on the plan. The problem is, in the email Mineral sends to tell me about it, they don’t say, “go here, here and here”. No, I go to the website, to the ACA Hub, and am confronted with a list of “resources”. Do I need to upload my employees information to this excel spreadsheet? I thought I did….

After a short time of frustration, I called the Help Center. The person took all my information to pass me on to another person. That person was very helpful. “No, you don’t have to upload the information, you click here, instead of here (right next to the first “here”). I made her stay on the line until I was 95% completed. She showed me where the step by step instructions were (why wasn’t that in an email to ALL self-funded small businesses?). She told me I could take a training class and my reply was, “I do this once a year for six employees”. I was polite, I promise! Her parting words were, “all that will be left is closing out the tax year”. Hmmm, what does that mean? I go through the report, and there is “close out the tax year”. I click on it, click on finish, nothing, nothing, nothing. I go back through the step by step, oh, I have to wait until it’s accepted….

The report is done (notice I refuse to say “document), and I will have weekly notices to remind myself to go back into the report, and through the steps to get to the last bit to “close out the tax year”. I could have typed the information into a template six times, checked, printed them, and mailed them off to the IRS and my employees faster than it took me to do the report. I will print out that resource for next year.

The report isn’t due until somewhere around the end of February so I am grateful I didn’t wait until the last week to start the report!

Now, on to the 1099s and more of the same!

Posted in 2026, life

Bless the Caregivers

I have caregivers on my mind after writing about my grandmother over on It’s All About Family.

While driving home from church yesterday (maybe it was because of church?), I said a prayer for the CT Transit bus driver waiting to take a right turn with his bus at a very annoying corner. There he was on a Sunday morning, probably already out for a few hours, and who knows how many more to go.

Today, I stopped at Walmart on my way home and I saw a young man hoisting a folder up wheelchair to put in the back of his car. I looked to the interior and there was an elderly man waiting for him. Grandfather? Paying customer? Later, when leaving the store an older woman was pushing a carriage with a toddler and telling her husband with a can in his carriage to wait and she’d get the car to pick him up. Was the young child her granddaughter?

These caregivers, people taking care of family members, neighbors, or even strangers have my deepest admiration. It is not easy.

Caregiving for my mother when I was 27 was short and there was no traveling involved. Years after that was caring for my dad. It was helpful that his primary care doctor was at the assisted living facility. He was in a wheelchair and it was easier to get him up into my SUV than it was to lower him into a car! After he passed away, I took on the grocery trips and doctor’s appointments for my aunt, my dad’s sister. That started when I got a call from the school she worked. She became ill and was being taken to the hospital and I was her emergency contact! All of that involved a change to my routine, fitting something in, taking time off from work, or having my family fend for themselves while I was caregiving.

I don’t say all that for any pats on the back but I’m realizing how important it is to have “people”.

Posted in 2026, life

Cable Cutting Update

Last Friday, I wrote about how I cancelled our cable service and my husband was pretty concerned.

Last Saturday, we signed up for a free one week trial of FUBO so he could watch the NFL football games on Saturday and Sunday. That was good.

Although we have a Vizio smart tv and it has our live local news, he couldn’t watch CBS Sunday Morning live. He would be able to watch it at 11am or live from his IPad at cbsnews.com but that was not the same. He was a little sulky about it. But the live football revived him.

Here we are, another weekend, another round of football. What to do what to do. We reviewed the information I took out of my Cutting the Cord class at the library and we decided rather than trying to do a patchwork of streaming channels, we’d just go with Hulu Live TV because they do carry all the major networks.

I’m grateful that it’s so easy to sign up. If I had to talk to people to set it up, we’d be installing an antenna on our roof.

Our UConn men’s basketball game is on the tv now and all’s right with the world!

Posted in 2026, thoughts

Keep It Simple

On my other blog, It’s All About Family, I’m once again following Amy Crow Johnson’s 52 Ancestors in 52 Weeks.

I was successful with Week 1 but am already a week behind because I struggle with trying to just tell the story of the prompt. I feel like I need to fill the reader in on the backstory before I get to the topic at hand.

A beginning sentence will pop into my head as I’m doing something else and I try to keep it there until I type it but then it doesn’t sound right. So I think about it some more. I might have an entire post typed up, but then I second guess myself. In fact, I have two posts in drafts for this one subject!

My library has a Writing Guild which is starting back this month after a hiatus and it’s in my calendar. My hope is to get some guidance in my writing of those posts.

Posted in 2026, Healthy Living, life

A Different Lens

As I rounded the corner this morning

I’ve been starting my morning workout with a 5 minute Peloton meditation. My favorite instructor is Chelsea Jackson Roberts. Her voice is so calming.

Some days she has a mantra and today’s was “Today I choose the lens of love in how I treat myself and how I treat others.”

I carried that with me forcing myself to not beat myself up for doing a low impact cardio right after a lower body workout! Should have done a core workout!

I will focus on carrying it with me through my day. Some days I get in the office and all thoughts of kindness and goodness fly right out of my head. I need to remember that we all come from different “places”. How we were raised, how we were taught, even how our last boss or ex-husband treated us. We’re just all here trying to do the best we can.

Posted in 2026, life, Religion

Church

At the end of November, I began attending my local Catholic Church – again. This has been a pattern over the years, church for a few months, I get lazy, and I fall away. This time it feels different.

I was raised in a catholic home, received my sacraments, and attended the elementary school associated with the church. We went to Sunday mass at 9:15 every week. I attended a catholic college but only because it was one of two schools in my state that had my degree program. The other college I would have been living home, and my mother’s reasoning to me was because my sisters were living away, perhaps I should too. I periodically went to mass there if friends were going, and also was required to take religion and philosophy classes. Once graduated, it was back to Sunday masses with mom and dad.

When my mother passed away seven years later, I floundered. Sometimes I would attend with my dad, who by now was going to 5pm Sunday mass and then we would go to dinner at the local Polish restaurant.

When we had our son, I had him baptized at our local church in California and when we came back to Connecticut, he attended Catechism and received his first Communion. But we were never a “church going” family.

All these years, the need to be there has been brewing inside me, but foolishly, I was afraid to say, “I’m going to church AND THIS IS WHY”. I’ve said “I’m going to church”, but I was not brave enough to say, “I’m going because I feel peace in church and I feel like it gives me a chance to reset”. When, after all these years, I said this to my husband he said, “I support whatever you do. If it makes you feel better, do it!” In hindsight, why did I feel the need to say why, but that’s a story about me for another day.

Of course, my journey home didn’t happen in a vacuum. A dear friend, my business coach, even an acquaintance at my college class reunion this year in a short conversation, has guided me on my path.

Before my first Sunday back, I went to confession for the first time in over 30 years. I spent the afternoon memorizing the Act of Contrition only to find they have a copy for you to read posted on the outside of the priest’s cubicle. He was so kind and I felt the love wash over me.

My town has been blessed over the years with three Catholic Churches for 45,000 residents. In recent years, adjoining towns have combined their parishes and priests travel back and forth with sometimes only one or two masses a week. We are so fortunate to have a thriving community so each church remains open, although one of the churches has only the 9:00am mass each week. My home is directly between the other two churches so I have a choice, but find myself at the one I attended on and off after I moved back. I started off at the 10:30 mass, which is good, but I hate to say, really breaks up my day! These past two weeks I’ve made it to 7:30 mass and am home by 9am enjoying my second cup of coffee.

I think to give back there will be a time for me to become more involved in the church community. I don’t know yet, how or when but when the time is right it will happen.

Posted in 2026, life

I Cut The Cable TV Cord….

…..and my husband is freaking out.

Can anyone relate? It has been years of steadily increasing rates for so many channels we don’t even watch! Who needs 25 music channels? 50 sports channels? We don’t. We watch (no, he watches) 1 local news station 15 minutes in the morning followed by 15 minutes of ESPN. In the evening, after watching a streaming episode of our latest show, the tv goes to Big Bang Theory where it’s background noise for the next hour. Of course right now, weekends are football – but on Red Zone! Streaming!

I received the bill for this month – $307! Our internet and modem rental is $110 of that.

I had enough. I called Comcast and told them I wanted to cancel. Initially they said “let’s see if we can save you some money”, but I said “No, the latest increase was just the final straw”. We’ll be returning the cable box and modem this afternoon.

We have a Vizio Smart TV and pay for Netflix, and Hulu/Disney/ESPN and I just changed those to “with ads”.

I went to a class at the library two years ago on “cutting the cord”. I took notes and have all the options typed up.

A good option is Hulu TV because it gives us CBS which has the local station we like, four ESPN networks, and a DVR feature. When Survivor and Amazing Race come around, we’ll have to sign up for Paramount+ for the time period. Or maybe YouTube TV is a better option because it just occurred to my Hulu carries ABC network shows, not CBS network! Learning, still learning.

He said to me, “with the cost of live tv, we’ll only save $100 a month”. Oh how comfortably we live….

Moving forward, each month when I pay the internet and modem rental, I’m going to take $100 that would have gone to shareholders demanding higher returns, middle management, and CEO working towards their golden parachutes and put it in an envelope in my safe for US not THEM.

Have you cut the cord? What do you use for an alternative live tv source? Did you have to drag anyone kicking and screaming with you?

Posted in 2026, Healthy Living

Floating

Yesterday, my daughter in law and I put last year’s Christmas present to use – we went “floating”.

Float chamber

She and my son have done this several times and really wanted me to try it – hence, the Christmas gift! We were trying to set it up for she and I to go at the same time my son and husband would go on their Christmas gift fishing trip, but it didn’t work out that way.

We went to Float 41 in West Hartford Connecticut. It’s a one hour session. Prior to getting into the chamber, or in my daughter in law’s case, a pod that looks like an egg, put ear plugs in, take a shower, and wash your hair to eliminate any conditioner and lotions.

Once I did that, I turned the light in the room off and stepped into the chamber, rested my head on a donut ring and laid back. Ahhhhhh, heaven!

You can have the soft purple light on or off, and meditative music on or off. There are 2 large soft buttons on the wall to change the features. I started with both on, turned both off, and settled on light off and music on.

I started with my arms in goalpost and gradually drifted them down to a shavasana pose.

I fell asleep twice that I know of, because I jerked awake. A few other times, my leg kicked out so I was drifting away at that point also.

My mind was blank from the moment I laid back.

When my time was up, a woman’s voice came through the speaker, and although with the ear plugs I don’t know what she said, I knew my time was up!

I opened the door, sadly turned on the light in the room, took a shower and washed my hair, got dressed and moved to a room with hairdryers and a vanity to prepare for the outdoor world.

The private room for shower and floating

My DIL and I sat with cups of tea and little snacks in another room to talk about the experience before leaving.

I’ve been carrying the floating feeling with me and I can’t wait to go back!

Have you ever floated? If not, do you think it’s something you would want to try?