Photo Day

I will get back to "letting go", but for now I am totally consumed and distracted by today being the day the photos for the MLS are being taken.  Since last Sunday all I have done is de-clutter and un-decorate for this.  By the week's end I felt I had done a pretty good job, so had the realtor come and check my work.

I was pleased that she agreed with me; had just a few minor changes.  She was here Friday and scheduled this photo shoot for today, Monday.  

I did the few things she wanted, they inspired me to do some more along those same line - keep each room neutral, so that the walls, windows, floors and space are what catches the eye, not the furnishing.  

I just have to do a very quick dust and vacuum and the whole place is ready.  It looks great and I am not minding it much at all.  This somewhat simpler, sparser look does have it's appeal.

The open house will probably be this coming Sunday.  Wouldn't it be a wonderful Mother's Day present if "THE" buyer showed up and things settled fast?  I think I would be just a bit overwhelmed, but also quite excited.

I've tried hard not to fixate on where I will be living next, but find myself really, really, really, hoping for the loft in downtown Haverhill.

So, that's where I'm at.  I am exhausted.  To get things to this stage I've worked every day for the past week.  It was good work and satisfying work, but very tiring. Am looking forward to when they leave today and there isn't anything that I have to do.  I can relax, nap, sew, or just sit and day-dream, but not for too long.  

Need to sort through my dresser, closet and some storage bins of clothes and also look seriously for a place to live.  But, I don't have to do any of that today.  Tomorrow, I should start for sure, but not today.   Today I will congratulate myself on a job well done, reward myself with some snuggle time with my cats, rest and get ready for this next phase.

I've been contemplating this for such a long time, that I am actually at this point and doing it seems a bit unreal.  But, once it is listed it is real and, I like that!

I'm not too old for this, almost

Preparing to downsize is hard work.  It is physically exhausting and mentally draining.  Fortunately I am not too old for this now, but just.  I still have enough stamina and strength to do what needs to be done.  It just takes 3 or 4 times longer than it would have 20 years ago.  I need to take rests to get back my energy.  I need to take rests to get back my mental focus.  I need to take rests to let the aches subside.  I need to take rests because I am 71, going on 72.

But, after taking a rest I am able to and do continue.  It is just that sometimes these rests are long and may involve a nap! These past few days I've been very busy carrying out the physical sorting of my stuff that I have been doing in my head for awhile now.

I have had to meet a few objectives:

• Prepare my home for an open house.  This means taking away a lot of wall art (some might say I have had too much).  Removing some pieces of furniture to open up the space.  Rearrange things to make each room look it's best and biggest.
• Separate things I will definitely be moving with me from things I will definitely not be moving and things that will only come if my space is adequate to contain them.  I've designated the storage eaves off my room for definitely moving and clothes I need to sort through.  The storage eaves off the guest room are things that will not be going and will be laid out for my inside yard sale.  In doing this, the guest room closet was emptied and now holds things that may go, if I have space.
• Keep my home in a fashion that I can comfortably live in during this time.   I need access to my sewing machines so I can continue to work on my projects.  I need a comfy place to sit to read or watch TV.  I need my home to still be my home and not an impersonal "model" or hotel room.
•  Make the entry and deck welcoming and pretty.  I have repaired some gashes in the screen/storm door and scrubbed the front stoop.  I will add a new welcome mat,  a hanging pot of flowers.  The deck has been stripped of all things but the grill and lawn chairs, not my labor, just my direction.  Thanks to C & J for getting this momentous (to me) task done in, well, it seemed like no time at all!  I will put flowers in the 2 flower boxes and, for the open house, move the larger potted plants outside.

These have been my tasks for the past week.  My older daughter, C, spent Sunday helping me.  We got all I had planned accomplished.  I had set a date of May 7 for the realtor to return to review my work.  I think I will be ready this Friday, May 4th.  Which is great, that will give me the weekend to complete the inevitable suggestions and maybe the pictures can get done the 7th. Then it will be just a blink of an eye until the open house.

I had spent a lot of time last year when home from helping my brother doing the same here in my home.  I think I must have done a really good job.  With this past week's work I have only 2 medium sized boxes of trash and everything else fits into my 3 categories: keeping, going, if there is space.  And in this process I have also emptied drawers and cabinets so that I don't have to angst over not taking furniture that might not fit.

The biggest challenge was my sewing/craft/art room/office.  But I have weeded out and organized and feel I have good control over what I have and also have it sorted and stored to fit any size apartment I move to.  That did involve a lot of letting go, but now that it is done it feels quite freeing.  I still have lots of stuff, but now have only what is truly useful.

As I have been doing this I have looked at certain things thinking, "oh, if I won't have space,  I would like to give that to..."  That has me a bit excited as I think a number of things will really please the ones I want to have them.  But, I can't be too eager, don't want to give away what I will need when I moved.  So I will think about my choices and smile about them and wait and see where I wind up first.

In the meantime I have a bit more tweaking and arranging to do.  Then a good vacuuming of the floors, some polish to make them shine like mirrors and I am done with this phase.  With this done I can leisurely sort through stored clothes and other personal items in my closet and drawers and have some time to do other things. A bit of a lull before the next surge of activity.  

Next Up: Letting go of pictures and other memorabilia.




 
 
 

I am saddened and concerned about all the trees that have been lost

I can't remember when I did not have a fondness for trees.  When I was very young we lived in the inner city of Yonkers, NY and there was a chestnut tree in our front yard.  It sat in the middle of a small plot of grass and my parents tended and nurtured it and the grass with great care.  It was a 3 family house, a triple decker; we lived on the second floor.
 
My earliest memory if of the Chestnut tree is looking out of our front windows seeing it barely reaching the top of the first floor windows.  By the time we moved it had grown so that it was taller than the 2nd floor windows and was reaching towards the 3rd floor.

It had large leaves arranged in groupings of seven.  Each spring it had delicate white flowers that grew into chestnuts which were great fun to collect and play with.  The branches and leaves hung gracefully and danced gaily in the wind.  At our school, PS 19, we were required to memorize and recite Joyce Kilmer's poem, Trees.  I still see that beautiful chestnut tree in my mind's eye whenever I think of lines from that poem.


(By way of clarification, if you are from the New York State you will know this, but other may not, to New Yorkers anyplace and all places in state north of New York City and lower Westchester county are "up-state".  So, even though Shrub Oak, where we moved, is only about 45 miles north of NYC, it was and is considered "up-state".) 

When we moved "up-state", to Shrub Oak, a major point of debate and compromise with the builder of our house was to not remove the trees that were on the property, but to work around and preserve them.  This left us with a row of tulip trees along the front road.  In the back road there were 2 clusters of large weeping willows and centrally placed in the back yard was a large and stately elm.  

As with the Chestnut tree in Yonkers these were tended and cared for and, except for the elm grew and flourished.  The elm, like so many, succumbed to Dutch Elm Disease and eventually had to be cut down.  That was a very sad, sad day.  The tree had a raised terrace of grass surrounding which was braced with a stone wall my Dad had built.  There was a flower bed in front of the stone wall that had assorted bulbs and was in continuous bloom from early spring to fall.  It was so pretty to see, so nice to sit under and our dog loved running in circles around it, even when she wasn't being chased!

When we moved to Shrub Oak it was very rural with lots of undeveloped land and lots of woods and fields to explore.
Many hours were spent with my parents or friends walking and roaming in the woods, playing all sorts of imaginary games and enjoying the many and varied trees.  Birch trees became my favorite.  I love the small clusters that they grow in, their delicate white bark, their graceful trunks.  Their delicate beauty still makes me smile.

Not long ago I took a course on mindfulness meditation.  One of the early on practises we were given was designed to bring ones focus to the moment without really having to work at it, or at least that's what I think it was intended to do.  We were asked to think of something we could notice but not be actively looking for.  I opted for birch trees and since then I still notice them.  Whether walking or driving I don't look for them, but so very often just see them and it stills my mind and makes me smile.

When I was on my road trip to Nova Scotia I really got into noticing all the landscape that surrounded me.  And that has continued since. Whether I am on a long drive or just running errands in the neighborhood I often slow down or pull over to truly see the beauty of a field, a flower, a tree, the sky.  

Since that really severe wind and weather of this past winter, I keep seeing more and more trees bent and broken.  Some are just snapped off, some are torn from the ground with roots ripped out.  Some seem to be bent in half like a pipe cleaner.  They seem to be everywhere.  The clean up being done leaves stacks and stacks of branches and trunks along the side of roads,  is really great.  But that too saddens me as by the side of the road awaiting the chippers.  

I am saddened by how many trees have been lost.  I think this may be nature's way of culling the woods to make room for new growth, but worry that it is an indicator of some ecological problem we have caused.  

Trees     By Joyce Kilmer

I think that I shall never see

A poem lovely as a tree.

A tree whose hungry mouth is prest

Against the earth’s sweet flowing breast;

A tree that looks at God all day,

And lifts her leafy arms to pray;

A tree that may in Summer wear

A nest of robins in her hair;

Upon whose bosom snow has lain;

Who intimately lives with rain.

Poems are made by fools like me,

But only God can make a tree.

There's something about a sparkly, clean house.....

...that so pleases and satisfies me.  My home has always been important to me and it has always been my most favorite place to be or to spend my vacation.  

I've always made it a warm and welcoming nest, primarily for my own satisfaction, but also so that guests and visitors will feel comfy.  

And I must admit I have enjoyed cleaning up until very recently when it has become a too laborious chore or when a teenager when I had no choice.   Fussing and puttering around the house has always been a favorite pastime.

There is a great satisfaction in working my way around a room, dusting, polishing, sweeping,, vacuuming, moping and then the final arranging or rearranging of things.  I can't count the number of days I have spent doing this with such great pleasure.  

At the end of a cleaning day, I would have a long, hot soak in my sparkling clean tub, in my squeaky clean bathroom, by candlelight with soothing music playing with something a bit intoxicating to sip.  After that I would put on clean pajamas, go from room to room admiring my hard work as surfaces shimmered and sparkled in the dimmed lights. And finally, climbing into my bed with crisp, clean sheets, stretching out, and falling into the deep and restorative sleep of satisfaction and physical weariness.  


For most of my adult life I've had this attitude, energy and experience about cleaning.  But, these past few years the physical effort has been more than I can muster.  I would imagine myself doing things, but once I started, I would hardly get anything done and needed to rest.  This took all the pleasure out of it and made it a chore I dreaded.  

So, l simply stopped regular cleaning.  Living alone with just my 2 senior citizen cats my house really doesn't get messy or dirty.  Some stuff gets tracked in on shoes and paws, over time some dust will settle.  Doing what my Mother always referred to as "a lick and a promise" would keep things in pretty good order for a long, long, time.  But every fall and Spring I have done a major floor to ceiling cleaning.

I was lucky last fall, my daughters were available and they did a great job.  But both are quite busy now, so they couldn't help me out.  I used Project Advisor to find a cleaner near me and oh, what a dream.  I don't mention names, because I don't have releases, but will provide this link, which is to public information.

https://www.homeadvisor.com/rated.LucieneDaSilvaHouse.70286182.html

This lady arrived early, started right in and worked without a break the entire day.  She cleaned like I would have if I could.  There isn't a surface or spot in my entire home that isn't clean, shiny, sparkling.  The windows appear invisible and, as it is a clear, sunny day, the light streams in.  She not only washed the windows, she vacuumed and washed the sills and she vacuumed the screens!  Nothing to block out any light. She vacuumed the exhaust fans in both bathrooms!  Every picture and mirror was dusted and polished, the reflection of light off of them is stunning.

I am so pleased with my sparkling house and feel it is now ready for prospective buyers to fall in love with at an open house. 

Next: Editing my stuff for the open house, ugh!

A Pause for some cooking chatter

For the past few years I have supported the fund raising efforts of my church and other local non-profits by offering 8 months of home-made soup at their auctions.  I offer a quart of soup, made from scratch using seasonal, local ingredients as much as possible, each month from September through April.  I aim for low salt, low to no fat, tasty soups.

I originally thought to do this because I like soup and especially enjoy making it in the colder months, but have never mastered how to make small quantities, "soup for one".  So, this way I make a lot, 3+ gallons and share with others and also have enough for myself.  

Over the years that I've been doing this, I've fine-tuned many parts of the preparation.  This year I really worked on, and think I have truly perfected, my stocks.

I had read somewhere when looking at stock recipes that many chefs keep a huge pot on the back burner of the stove and toss scraps into it so that they are always making a rich stock from fresh ingredients.

Taking my cue from this I started saving the peels and scraps from just about all vegetables I prepare.  I kept them in a bag in the freezer, adding more as they became available.  I put in potato peels, onion and garlic skins, carrot tops, leaves, ends, pieces of that I used.  When I needed a vegetable stock, these were more than enough to make a really good base.

When it is time to make a stock, regardless of what kind I was making, the whole bag of frozen, raw, vegetables goes into the pot.

A technique I adopted from the Julia Child's Turkey gravy recipe, is to roast all the meat and or bones first, before adding to the stock.  Whatever I was using, and most of the time it was the trimmed parts from the meat, excess fat, and lots of bones, I roast them until they are well browned.  Then, in addition to these solids, I de-glaze the pan and add all those flavorful, browned bits to the stock pot.

I use as many fresh herbs and spices as I can.  I put all these in a piece of cheese cloth and tie it closed and toss it into the pot.  This way the flavor will be there, but not the solids.

And I also cook over a very low flame for a very long time. I bring it to a boil, then lower the flame to as low as I can get, put on a tight cover, and let it simmer for anywhere from 3 to 6 hours.

My goal is to have a rich, clear, low fat stock.  To get this I use my stock pot which came with 2 strainer inserts, one the full size of the pot and the other much smaller.  I use the larger one put all the solids that will make the stock in it, place it inside the stock pot, and then fill with enough water to cover, but not so much as to boil over and make a mess. When I feel I have gotten all the goodness and flavor out of everything I simply lift the basket and all the bones and large solid pieces are removed.  

Then the whole pot goes in the fridge for an hour or so.  This lets the excess fat come to the top and solidify so it can be easily removed.  And then I filter out all tiny bits and pieces.  To do this I line a large strainer with 2 layers of folded cheese cloth and pour the stock through it.  This leaves a clear, flavorful stock.   If it isn't "thick" enough I add some unflavored gelatin.

Lastly, so that I have some stock for when I may need it, I fill one or two ice cube trays with the stock and freeze.  When frozen I transfer the stock cubes to a freezer bag and they are ready for when I need to add one or more to what I am cooking.

Also, my senior citizen cats have teeth and gum issues and need soft foods, so one cube left to defrost in their food dish is a treat they love.

If no one wants it, it has no monetary value

One of the most difficult tasks of downsizing is the letting go of the stuff that we have accumulated and collected over the course of our lives.  

Last year I spend many, many, many months assisting my older brother who has Parkinson's and the related dementia.  He had been living alone and I was his nearest caretaker, over 200 miles away.  Last year he was persuaded to move to an appropriate setting close to his son and his family in the Seattle area.  In preparation of this a good number of my visits were spent sorting through stuff and making the decisions about what would go with him and what wouldn't.

This was excellent preparation for my own culling process.  When doing this with my brother I came up with some ways to help him, and when deciding about my possessions, to help me, make the choices needed.

A real stumbling block can be "just getting rid of things".  There can be lots of furniture, dishware, flatware, glassware, etc., etc., etc. that was purchased for a dear price and is of excellent style, quality.  The hard thing to accept is that so many of the things my generation has valued are not valued by the current young adults.

It would be easy to turn this into a negative reflection of them, their taste, their choice, their values about what is and isn't important.  But it really isn't a value judgement, it is a reflection of fashion and lifestyle.  Younger generations have over and over again rejected what their elders held dear, so this is not a new phenomenon.  And we elders need to cut them some slack.

It is okay that they don't want the stuff we have.  And it is okay that they don't find it lovely and attractive and compelling as we do.  Our liking and appreciating it doesn't make us "better" and their not liking and appreciating it doesn't make them "not as good".  It simply makes all of us who we are.

The often difficult part to accept, when thinking about letting go of items and considering selling them is this; if no one wants it, regardless of what it might of cost, it simply has no monetary value.

The way I helped my brother (and now help me) get beyond that was to pose the question, "was it purchased as an investment, did you buy it because it would increase your assets and wealth".  For all the stuff in the house the answer was no.  My next question was, "Did you enjoy owning it, using it, looking at it; did it give you pleasure?".  And the consistent response was, yes.  So, I concluded, you got your money's worth out of it, enjoyed it, and now, it is simply time to gracefully let it go.

I know this is true for me.  And think it might be true for most.  I did not purchase my furniture, pots, dishes, jewelry, decor items as investments.  I got them because I liked them.  I lived with them, enjoyed how then enhanced my home or my day-to-day living.  That no one else may want to spend any money on them is simply the way it is.  I had my pleasure and letting go is simply okay. 

Next, okay I can let go, but of what?

We resume our schedule....Where, where, where?

When I first moved to the North Shore, in 1986 I lived in Peabody and for the next 12+ years lived there and then Salem.  I got very settled in the locale as I also worked in Peabody

So, when first started thinking about a change, I thought, well back to the Peabody area, for a number of reasons.  They follow in no particular order except as they come to mind:

• Some public transportation,
• Good access to Boston: auto, train, boat,
• It's familiar to me,
• Good friends in that area,
• Good senior transportation services,
• GREAT Senior Centers,
• Good options for privately owned senior housing,
• Good shopping, movies, theater, museum,
• Good higher education, life-long learning access,
• My favorite car wash is there,
• My Optician is there,
• My Primary Care Doc is in Beverly,
• My medical providers are at Lahey Peabody,
• Good libraries with lots going on

 So, that is where I started looking and in fact have submitted some housing applications.  The wait list for these is about 5 years, so in the meantime I'm looking a market rentals.

Now, both my girls have settled in Haverhill, which is about 15 minutes from where I am now, a bit north west.  And since they have settled there, they visit a lot.  And not just per-arranged visits.  Often I get a call or a text and next thing I know they are here.  And sometimes, they truly surprise and delight me and just drop in.

I've found myself loving these visits and wanting as many of them as they are willing to share.  They may not be long or elaborate, just a quick, "hi, can I fax this, love ya, bye".  I am loving having them around whenever it fits their busy schedule.  I love them so and enjoy them so and am so thrilled that they want to spend time with me.  I will take as much of this as I can get for as long as possible.

The clincher was the day I had been home alone all day and just puttering.  I was doing, not sure what, and they burst in on and surprised me.  It was just too grand! When they left I realized, I want more, I want to live near to them, so there would be as much of this as possible.

And so, I decided on Haverhill.  It is a city with all that a city has to offer, not unlike Peabody. In many ways in reminds me of Yonkers, NY where I was born and lived until I was 9.  On a river, hilly, lots of old mills, re-vitalized downtown.  So, it is a teeny bit like coming home.

And the list of why I should is not dissimilar to the reasons for the Peabody area.

• Some public transportation,
• A bit further to Boston, but easy auto, train access,
• It's familiar to me,
• Have my girls in that area,
• Have good friends in that area,
• Good senior transportation services,
• Good Senior Center,
• Good options for privately owned senior housing,
• Good shopping and easy access to NH shopping,
• Good higher education, life-long learning access,
• Good library with lots going on,
• Close to my church,
• My current volunteer commitments are there,
• Close to my favorite quilt shops in NH,
• My quilt guild meets there

With the geography decided, next is: What type of apartment housing?

Snow an April 2nd, why not?!?!

It's New England.  Yesterday, Easter Sunday was mostly sunny, in the 50s and quite nice.  A lovely Easter day.  

Today it isn't that cold, low 40s but quite grey and right now it is snowing.  Kind of like the ups and downs of moods and life in general.  Living in New England is good daily preparation for life.  

Look for the best, hope for good things, and then rally around what actually happens.  

We don't live with a long, horrid, extended dark, cold season, throughout winter we have lots of bright days which help remind us that there is hope.  We don't live in a perpetual warm, sunny season, throughout summer we get rainy days, chilly days, to remind us to appreciate the warmth and sun and be grateful for it.  

And those two transitional seasons, Spring and Fall, the beginning/ending ones, they are full of the visual beauty, enticing smells, beguiling sounds of changing seasons, and are full of welcome and unwelcome surprises,  Just like life.  

So, living in New England isn't always convivial, we don't always get the weather what we want.  And often we have to change or adapt plans to fit the actual (as opposed to predicted) weather.  

I believe we do get the weather we need to keep us grounded, to keep us in tune with reality, and nourish and nurture our faith.  

A snowy day after a sunny Easter is a more than a bit of a reminder that yes, there is always a rebirth, resurrection after a loss or death, but also there will always be another loss to transcend.  

It tells me to be strong and steady in my faith and not take it, or any part of life, for granted.  

So, yes, I would rather it wasn't snowing today, but can't say I over mind it.  I know that sun and warmth will be here with greater frequency if I am steadfast.

We interrupt our scheduled program.......

I will get back to adventures in downsizing, but really need to take some time to share about Holy Week.  

This is my most favorite liturgical season.  It always has been, even when I knew nothing about liturgical seasons, way before the word liturgical was even a part of my vocabulary.  And not just the going to church part, but the season of Lent from Ash Wednesday throughout Holy Week and onto Easter.  For me it is a time to contemplate, meditate, pray.  It is a time of reflection and renewal. 

I was not raised in a "churchy" family, my parents took us at Christmas and Easter. We kids went to religious instruction,  and got all the childhood sacraments when due and attended church weekly during those years.  But regular family church going, beyond what seemed to be "required" was simply not a part of my growing up experience.  Which doesn't mean faith and a strong spiritual dimension were also lacking. We were raised with a strong belief in God and a deep spirituality rooted in all creation.

So, it always has sort of surprised me how strongly I am attracted to Lent, Holy Week, and Easter.  There were many years when I simply didn't attend church, yet during this season I would be drawn, called; I didn't always respond, but sometimes I would go to whatever church was near.

I recall in my early 20's, before my folks moved to Florida, going home for Easter.  I woke up that Sunday morning needing to go to church.  My Dad said he would go with me.  Neither of us had a clue as to where or when.  We looked in the paper and found a something that worked for us, thought is was Catholic and headed out.  It was "high church", not in English, something Slavic. We didn't understand the language, but did fully understand the ritual and being there with the sounds and smells sustained us, though we did giggle a bit on the way home.

So many times, when I'd been away from any church during Holy Week, in the midst of preparing for Easter I found myself racing to church.  Often it was in the midst of some pretty serious cleaning, so I was in cleaning attire, very unkempt, I'd put on a hat or a scarf, and rush off.  Not wanting to be noticed, I was really a sweaty, sloppy mess, I would sit in the back.  I was compelled to be there.  I had no choice.  And, always, I was glad that I went.

I think those who made the decisions about when in the natural year we would celebrate what, were very wise to place Lent and Easter where they are. It is glorious to have my world, my surroundings transforming from dark, cold, dormant to light, warm, new life.  The world reflects and echos back to me the very basis of my belief, all of life is a series of event - many accidents, mistakes, errors, losses, deaths always followed by a miracle of accomplishments, corrections, discoveries, rebirths, resurrections.  

And, I am no scholar, but I do think that just about all cultures, faiths, religions recognize and celebrate this in some form, and I take great comfort and find great joy in this shared spirituality. 

To Own or Not To Own

A large part or our "American Dream", at least the one I grew up with, is home ownership.  Saving money to buy a home, working steadily to pay off the mortgage, one day getting the title of full ownership from the bank, this is all part of what being an adult was to me.

Having spent most of my life single and choosing to be a single, adoptive parent, buying came late, in my 50's.  And when I did buy at that age I never had the expectation that I would have it paid off and live "rent/mortgage" free.  And that was okay with me.

I made choices for me and my girls about how I used my money and am glad of those choices.  Providing them with experiences and things was good for all of us.

So I now find myself with a home I love but also with a mortgage.  Currently my housing is costing me (mortgage, condo fee, utilities, maintenance) over 60% of my limited retirement income.  That doesn't leave a whole lot for other things.

It is a seller's market, so I have the opportunity to cash in on this investment.  Because it is a seller's market buying a smaller home would pretty much use all the funds I get from the sale.  I would still have a mortgage, though smaller.

And I would still be responsible, physically and financially for upkeep and maintenance.  I don't want either.  And I don't want to see my limited savings only going for a new furnace, new appliances, etc, etc.

So, after weighing all these factors I have made the decision that for me, now, the best choice is to rent.  Whether I rent or buy, I will have a monthly cost.  But, if I rent, all I have to do when the stove isn't working is call the landlord to fix or replace it.  The funds I get from selling my place don't have to targeted for upkeep and maintenance.  They can be available to me for whatever, just to be there as part of my legacy.

My retirement income does qualify me for some of the subsidized senior housing, just.  Having worked at a housing authority I know I would prefer to not live in publicly owned housing, and I am blessed to be able to have a choice.  These tend to be very, very small.  If I had no choice it would be fine, but since I do, I opt for a bit more space.

There are a number of privately owned, subsidized senior housing apartments around.  And so very many of them are quite lovely.  So, I have begun the process of making applications and getting on the waiting lists.  The downside of this is that is about a 5 year wait.  And I want to do this now.

Market rents are about as high as mortgages.  But I decided that I owned it to myself to investigate.  Well, there are quite a few ample (700 to 900 sq ft) one bedroom apartments that  I can afford. I've been looking them and there are plenty that would put my rent at 35% of my income, add other housing costs (utilities, etc) and my housing would drop to about 38% of my income.  Having that other 22% for me sounds grand.

So, of the many, many choices needing to be made in this downsizing adventure, among the earliest was the decision to sell and rent.  I will move into a market rental now, keep my name on lists for the future.  

The benefit of the subsidized units is that the rent, which includes heat, is capped at 30% of income.  For me to consider is I've become quite used to a dishwasher and in-unit laundry and may not want to give them up for a savings of only 8%.  Then again, in 5 years or more I may no longer entertain and cook like I do now and having laundry "in the building" might be just fine.

 So for now, a market rental while I see where and when my name comes up for subsidized housing.  This plan suits me and will serve me well.

Next: Okay, I know what, but where?

An Adventure in Downsizing

I have made the decision to downsize.  Not just my living space square feet, but my housing costs.  I have been making this decision for a long, long time now.  Pretty much since I completely stopped working. It has taken this long as there have been many factors to weigh and I am more than a bit of a plodder.

I love my home.  When I bought it, it was when housing prices were at rock bottom and this place was in need of a lot of work, so it was even cheaper than rock bottom.  I waited a few years, the market picked up and so did my equity.

I leveraged that into totally gutting and rehabing it.  During the waiting time I spent hours designing what it would look like.  I had some interior design software and pretty much every evening tweaked and edited an existing plan, or started a brand new one. So what I have today is totally mine, well, mine and the bank's.  

I spent just about as much time considering colors.  I knew I would not finish in "apartment ecru", but wanted lots of color in every room.  I was quite lucky, the guys who did the rehab work, worked with me doing they painting.  When a room was just about done, but before putting in the hardwood floors they painted the ceiling.  Then I had time to do what I had planned on the walls.

And I did.  In some rooms I had different, but coordinating or accenting colors on each wall.  In another I had vertical strips.  Another had horizontal, chair rail strips.  It was great fun.

And I gave considerable thought and planning to window treatments and wall art.

So, this place, my home is mine from the germ of an idea to the fully flourishing reality.  And I to this day I go from room to room and love it.

But, having bought my townhouse late in life I never expected to have it paid off or to be living mortgage free.  While still working I was quite fine managing the mortgage, condo fees, and other housing costs.  Now, on a fixed, limited income, I am spending too much on housing.

Right now we have an incredible sellers market.  I am speechless over how much the unit next to mine just sold for.  So, I must take advantage of this and turn what equity I have into cash to supplement the remainder of my retirement.

I've had to ponder many hurdles to get to this decision, but have made it.  So now this begins.

I've decided to resurrect my blog and share this journey.  I will soon be posting pictures of this haven I've created for myself, so you can see what I have done and will be leaving.

I will be contacting a realtor within a day or too and as each leg of this journey proceeds I will share how I have made my choices and where they are taking me.  

Come join me for another adventure.