Some anecdotal stuff

This conversation was over heard on the GG Gondola by a friend. Not by me, but by a friend who is reliable and does not exaggerate.

Lady. "I am 53 and thought I was going to retire when I was 60, but I just took out a second mortgage to help my son buy an apartment. That just buries me in debt again".

Friend: " I am even older and thought I would be free of debt by now, but my mortgage hasn't been paid out, and I haven't been able to clear my credit card debt before another holiday comes along".

Male friend: " I recently went into my bank to get an higher limit on my credit card for a month, and the   bank employee kept trying to sell me on getting a $25,000 line of credit. "Just sign here and $25,000 will be deposited into your account".  I had to fight her off.

They then discussed how the banks almost forced debt on people. "Quite the difference from a few years ago, when you had to prove you could replay them. Now they don't care if you are nearly broke with debt. "Just get more debt to pay off the old debt."

Then another occupant of the gondola spoke up and said he worked for CIBC and that they had quotas of credit cards and personal debt to meet, and if they don't there was pressure from Managers to get there, that's why they kept pushing customers to get into more debt.

That is were we have got to. The banks have become drug pushers. Except the drug is debt. We are supposed to hope the addict will quit using themselves. And if you can't get your drug from the banks, there are dozens of fringe outfits willing to give you money..'If you have equity in your home'. Which just drains whatever equity you have managed to build up in your home.

This can only end badly.

Changing Table -Turned Dog Bed

A couple of weeks ago, I ran across a beat up, run down changing table on the side of the road. It was no longer safe to put a baby on. It was missing two shelves, and was super rickety. Because it was made of real wood and had interesting spindles, I felt the need to bring it home and make something out of it.

The hubs was obviously unhappy that I was bringing more junk home;o) Story of our lives, right?

Anyway, I thought it would make a perfect pet bed.

 This is how it started out. 

I used an electric hand saw and chopped the legs off. That was definitely an experience. Note to self...use a sharp blade next time. I was literally shaking so hard that I had blurred vision while cutting this piece because the blade wouldn't cut through the wood:o) 

I sanded down the feet to get a nice edge.

I then ripped the safety buckles off of the bottom.

And then spray painted it.

The cushion is made from painters' canvas and two large pillows from my couch in the bonus room.

I made the cover removable by adding a zipper to the back. That way when it gets dirty, I can just throw it in the wash.

Not bad for a roadside rescue?

Old Drawer Turned Jewelry Organizer

My master bathroom is in need of some serious organization AND upgrading. Everything, and I mean everything is still builder basic. We have been in our house for almost 4 years, and haven't touched a thing in there. Unbelievable, right? I have so many ideas on what I want to do with my bathroom, unfortunately, we don't have the funds to anything about it right now. 

Tile in the shower, tile on the floor, a beautiful arch above our tub...

(I would love a claw foot tub, but that will never happen...the hubs must have his jacuzzi tub;o)) ...We would love to have separate vanities instead of a double vanity, and big chunky mirrors. The list keeps going, right? 

So, I'll continue to dream; peruse Pinterest and magazines; walking the aisles of Lowes and Home Depot; adding to the list of wants;o)

For my UK readers, if you are in the market for a new bathroom, check out these UK bathroom brands.

So since I can't overhaul our bathroom, I figured I would at least tackle the organization part.

 Today I am sharing another old drawer re-do.

If you guys remember, a couple of weeks ago I shared with you my drawer turned bathroom shelf.

The drawer I am sharing today, is it's little sister.

I found it along side the other drawer.

It's new purpose is a jewelry organizer.

My inspiration for the jewelry organizer came from this picture. When I came across it on Google, I thought to myself, "Hey, I have something like that!"

(source unknown)

As you can see below, my jewelry organization was lacking..in a bad sort of way. I can't tell you how many times I have stood in my bathroom untangling necklaces and earrings. SO very frustrating. 

So here is baby sister in all of her glory. A diamond in the rough.

 I used the same technique of stripping the 4 layers of paint off of the drawer. 

I did wear a mask this time...but I wore flips flops while scraping the paint and burned a couple of holes in my toes. Dumb. 

One of these days I will actually wear all the proper safety gear!

 I attached some glass knobs from Hobby Lobby to hang necklaces from. I also installed baby cup hooks in the top, spray painted this pretty little Union Jack aluminum sheet and hung it off of the hooks.

Now my earrings have a pretty place to be displayed.

No more tangled mess!

Isn't this way better than shoving everything under the sink and hoping for the best?

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This post contains links to affiliates. All opinions are my own.

Throw Back Thursday-Pumpkin Bread

I thought I would change things up a bit and take a trip down memory lane. For those of you who have been with me from the beginning, you will remember this post. 

I made these little pumpkin loaves 3 years ago. My how time flies! They have been a huge hit across the web. Even Hershey's saw it and posted it on their Facebook page....I felt pretty awesome after seeing that!

Anyway, you can click

here

to read more.

Happy Thursday!

And then some....

The US Fed blinked. Actually it did't blink, it closed it's eyes and assumed the fetal position.

After talking tough about backing off on buying the US Government debt (the definition of ponzi btw), it stood pat and said.."we will..we will...keep buying! forget what we said earlier this year".

Actually it worked out ok for me, as my poor preferred shares which had been beaten into mush caught a bid.

However it did bring interest rates down a notch now that everyone sees the Fed for the blow-hard-but-do-nothing that it is.

The Canadian bond market which is tied by it's apron strings to the US one also got a bounce and rates dropped.

Now how about September? What are we looking at. Well so far it looks to em like we are going to get some weakness in the HPI and averages for the month.

I see mid range homes (would be super upper end anywhere else) $1.2-$1.6 M selling for a 4-8 % below asking. Of course the asking prices are pretty crazy, made up numbers , but that didn't deter the delusional buyers before.

I have said before that if September didn't show some weakness that I would probably suspend or close this blog but it looks like you may have to put up with me a bit longer. 

Currency around Malaysia

The following shows a list of a few currency compare to Malaysia Ringgit.  Basically the higher the graph the better it is for the Malaysian - "I can get more of their money with my money."

In short ... 

For those who earn Malaysia Ringgit, its good to go spend in USA and Indonesia.  On the other hand, those who are working in China and Singapore are laughing when spending their money back in Malaysia.

USA

Australia

China

Indonesia

Philippine

Singapore

Thailand

You can investigate more yourself by visiting to xe.com

Coffee Table Redo-Part3

Our coffee table serves many purposes. It's the place where the kids do homework, make crafts, sometimes eat their dinners. It's also a foot rest, and occasionally used in pillow/blanket forts.

It's used A LOT, and had been showing lots of wear here lately.

This coffee table has gone through a couple of transformations.

To see the actual before, you can go here.

I had not been planning on re-doing the coffee table. It sort of just struck me last Friday that I needed to strip all of the nasty paint off of it. 

This was part two...the center is chalkboard paint. I had found some inspiration on Mrs. Mustard Seed's blog with some chalkboard tables she had created. At the time of the second re-do, my children had a nasty habit of writing on furniture. I came up with what I thought was an ingenious idea to paint chalkboard paint on the top of the coffee table; that way they could have at least one piece of furniture in the house to write on with out mommy fussing.

Well, it's been a few years and the kids are past the graffiti-on-my-furniture phase, thankfully. However, this table has been put through the ringer.

 As you can see there are tons of nicks, and scratches all over the top. There was also this weird film that developed...not exactly sure if it was from the chalkboard paint, or if we're just that nasty.

Regardless, it needed to come off. 

After two coats of paint stripper and a little bit of sanding, I was able to restore the wood to it's natural state.

 I applied the same stain I used for the old bench.

I let the stain sit for 15 minutes before wiping it off. I'm not one for waiting hours to reapply coats of stain to get what I think is basically the same result.

And this is the finished result. A beautiful stained wood top.

A much needed improvement.

I haven't applied the coats of poly yet. We had way too much going on over the weekend to get that done.

I love my big coffee table, and love that it serves so many purposes. Styling it, is an issue all on it's own. Because it has so many jobs, leaving things on it isn't an option.

But, the kids and the hubs are away, so mommy gets to play around with some fun styling:o)

 I love these old Bibles. I think they are so beautiful. The thicker ones belonged to the hubs' grandfather. The smaller one was my mother's cousin's Bible that was given to him when he was fighting in the war. They were to put them in their pocket to figuratively and literally protect their hearts.

Definitely a treasure.

 I can't get enough of these old blue mason jars either.

I have them scatted throughout the whole house. 

I have three more projects that I am in the process of finishing. I can't wait to share them with you all!!