About Me

Cents of a Country Girl is moving!

Two weeks ago I was at CPFC12; it was a blast. I had lots of fun, met a great bunch of people, learned a great deal and was essentially told to get off my lazy ass and go self-hosted (but in much kinder words, of course). After a bit of humming and hawing on my part, Simon, Nelson, Marissa and Vanessa finally convinced me. With lots of help from Marissa and the google machine, I have managed to carve out a new place for myself. Brace yourself:

www.centsofacountrygirl.com

There you have it. Please check it out, update your RSS and blogrolls and spread the news. Also, let me know if you see something totally wonky or weird. It’s new, so there still might be some glitches but I’m doing my best to fix them all.

Hope to see everyone over at the new place.

Categories: About Me | Tags: | 6 Comments

No side-hustle here

melodramababs / Free Photos

For the last couple of weeks I’ve had side-hustles on my mind. There are lots of people out there who have another job (or two) in addition to their full time work. It’s a great way to get some extra income, which I would love to have. Every once and a while I’ve thrown around the idea of getting a side hustle, but I can’t seem to bring myself around to actually making any sort of plan or commitment.

I could certainly use some extra cash. I’m not in dire need by any means, but it would be nice to maximize my earning potential. Extra cash would help me pay down my mortgage, save up for my retirement, do more renos around the house and just give me some extra leeway in my budget. Unfortunately, the siren call of more moolah isn’t loud enough to drown out my brain conspiring against me. Here are my reasons (excuses?) for not having a side-hustle.

1. I have no idea what I would do. I’m a geographer by training and my geographic skills don’t seem to translate really well to a side-hustle, unless there is a demand for soil moisture modelling/analyzing that I don’t know about. I’m handy with computers, but not handy or creative enough that I could design wedding invitations or anything like that. I suppose the most logical idea for a side-hustle would be trying to make money off this here blog, but at the moment, I don’t feel like I’d be a very successful money-making blogger because…

2. I’m kind of busy. I work full time. I have two significant volunteer commitments – one a local history book project and the second working on exhibits for a local museum. This is in addition to weekly yoga and curling, a house to maintain, and oh yeah, blogging. I really enjoy my volunteer work, my sports and blogging. I already feel like I don’t give enough time to my blog, so it’s hard to imagine having something else on my plate to take up more of my precious time. I suppose I could always be better at time management, but when I’m out of the house for work for 10 hours a day, five days a week, it seems to leave me a bit short of time already.

3. I’m kind of lazy. There I’ve admitted it. I could be more efficient with my time, but I’m just not and right now, I’m not willing to put the effort into squeezing everything else so I can have more work to do. I like being able to sit and visit with people who stop in for a visit and not have to shoo them away because between 7 and 8:30 I’m supposed to be working on this, that or another thing. I can’t help but feel like I would burn out before too long.

4. Part-time jobs out here are few and far between. Working at a local shop is pretty much out of the question as everything but Tim Horton’s shuts down at 5 PM. Even the hours of a hired-hand on a farm wouldn’t fit into my schedule, unless I did an evening shift in a dairy barn – but that conflicts with my volunteer and sport stuff.

There you have it, my excuses for not having a side-hustle (I hope this doesn’t make me a bad personal finance blogger). Right now, a side-hustle just isn’t in the cards for me. I can’t motivate myself to change into a super efficient money making machine, so I’ll just have to accept that I have to make do with what I currently earn (that, or win the lottery or become a super-duper savvy investor). I feel a little guilty for not wanting/being able to convince myself to get a side-hustle, and as great as extra cash would be, I can’t seem to justify the time and effort it would require.

Do you have a side-hustle? Why/why not? What motivated you to get one or conversely, what are your reasons for not having one?

Categories: About Me, Personal, Work | Tags: | 17 Comments

Country Girl on the Debt Free Living Podcast

I’ve been podcasted! If you’re itchin’ to put a voice to Country Girl, head on over to JW’s Debt Free Living Podcast to hear me talk about my experience with debt.

A couple weeks ago, Jon contacted me about doing an interview for his great series on living debt free. I agreed, and before too long, we were chatting about how I become debt free and how it’s affected my life. Jon is a great interviewer, so I highly recommend that you go check out his podcast series. He’s done some great interviews, with people who much more coherent than me, so be sure to have a listen sometime.

It was a fun interview and a first for me. I’ve never done an interview about being debt free or my blog, so I was a little nervous – mostly because I didn’t want to end up sounding like a total knob. I tried to keep my country drawl to a minimum, but I guess we’ll see how much came through.

Have you ever been interviewed about personal finance or your blog? What was your experience?  

Categories: About Me, Budget | Tags: , , | 9 Comments

Selling the farm: why I dread my Dad’s retirement.

This past weekend, I spent an afternoon at the farm, just sitting on the deck and catching up with the neighbours that pulled in for a visit. The deck is one of my favourite places in the world; from the deck, we look over farm fields as far as the eye can see and the local highway (perfect for keeping track of the neighbours). There’s nothing like sitting out on the deck swing and watching the world go by. I was looking over my Mum’s flowerbeds, the wheat field and the barn and it reminded me how strong of a connection I feel to farm.

It’s a bittersweet connection though, because at the moment, it seems unlikely that I’ll ever be likely to buy the farm. That thought eats away at me. I absolutely dread the day my parents say they’re selling the farm.

I suppose my first realization that I am ill-suited to take over the farm came when my Dad decided he didn’t want to milk cows anymore. I loved being out in the barn and helping with the chores, but there were a lot of things I just couldn’t do. I’m small, too small to reach up to the release for the milkers, too small to move the big feed cart, or not strong enough to do a lot of the tasks required around the farm. In addition to my physical inabilities, at the time, I was in my third year of university and approximately $28,000 in debt from my student loans. I would have to get that amount in loans again just to buy the milk quota. No loan officer in his or her right mind would have lent me the money – existing debt, no collateral, and I’m just a single gal.

The cows left gradually, the milking cows went first – auctioned off at the local sales barn. The bull went next, followed by the heifers and finally the last of the calves. I’ll never forget going into the barn after the last of the cows left. It was eerily quiet and seemed so empty. It took the entire family a long time to adjust to not having cows. We still thought we had to be home by 4:30 to milk cows if we were out to town or to the city. Getting rid of the cows did allow my parents to take a well-deserved, out of country vacation without worrying about getting someone to do chores.

Without the cows, we still have 150 acres, plus equipment. Land around these parts is expensive and many farmers sell the farm and then use the proceeds from the sale to fund their retirement. My Dad is no exception. With land prices around $10,000/acre – selling the farm can make a substantial contribution to a retirement fund. I would love to be able to hand my Dad 1.5 million dollars and buy the farm when he wants to retire, but I don’t have that kind of money and I can’t handle that kind of debt (if someone would even loan me that much). I also don’t expect my Dad to just hand me the farm – he’s worked hard his entire life and I think he’s entitled to profit from it. I feel like I’m stuck between a rock and a hard place. I want the farm to stay in the family, I want the farm for myself, but I want my Dad to be able to retire comfortably and I’d only want the farm if I could buy it at a fair price. Buying the farm is absolutely out of my reach, short of winning the lottery.

I feel like being unable to buy the farm is/will be my biggest financial failure. It hasn’t happened yet, but every year that passes is a year closer to Dad deciding to retire. Maybe my situation will change, perhaps I’ll find a partner willing to buy into the farm with me, maybe I will the lottery, but for now, it looks like the farm is out of my reach.

Categories: About Me, Family, Farming, Personal | Tags: , , , | 11 Comments

20 Random Facts About Me

Erika over at Shopping to Saving posted a list of 20 random facts about her, so I thought I would jump on the bandwagon. Being an anonymous blogger, I find I usually try to keep the personal details to a minimum, but what the hell, it’s Saturday and I feel like sharing.

  1. I’m convinced I’m short. I’m 5’5 but everyone else in my family (save grandma) is over 5’8 tall. My family loves to tease me about being the short one.
  2. I hate gravy. I will never put gravy on anything, no matter how dry the meat might be.
  3. I hate feet. I will flip out if someone puts a bare foot in my personal space, especially near my face. I cringe when someone puts a foot on my part of the recliner. I think it comes from when I volunteered at a nursing home and did a lot of pedicures and saw some nasty, nasty feet.
  4. Despite my hatred of feet, I’ve done the Sour-Toe Cocktail. It had a hang nail and was purple and wrinkly.

    A Sour Toe Cocktail – that black/purple thing is a human toe.

  5. I love helicopters and helicopter pilots. A friend once called me a helicopter-whore and I didn’t deny it.
  6. I use udder cream as a hand moisturizer because it’s seriously the best stuff EVER.
  7. I’m stubbornly independent. I want to do everything by myself (or at least try to). My Mom tells me my favourite phrase as a toddler was ‘by myself!’. It usually works out ok, but after I spend a week hobbled after moving a solid wood desk up a flight up stairs by myself, I curse my sense of independence.
  8. I almost went to university for optometry. When saw all the dead/dying trees on campus, I changed my mind and ended up enrolling in biology instead.
  9. The only thing I’m addicted to is tea. I drink at least four cups a day.
  10. I prefer listening over talking, most of the time.
  11. I have no problem with being filthy and dirty. I suppose it comes from a childhood of doing chores and ending up, usually, with manure all over myself.
  12. My sister and I have been asked if we’re twins, multiple times – she’s six years younger than I am! I like to think that I look young for my age, rather than she looks old for hers.
  13. I’ve worn glasses since I was in Grade 3. Yay for being ridiculously near-sighted.
  14. I really love learning. I wish I could be a professional student and just go to school for the rest of my life. Any sponsors out there?
  15. My least favourite chore is cutting the grass. I love it when my Dad brings his big mower down and cuts the grass for me.
  16. I can crack my collarbone. It’s pretty disgusting because bone moves in addition to making a big crack.
  17. I lived on mountain in the Yukon, in a tent, for 2.5 months and loved every minute of it.
  18. I bite my nails. I’m not as bad as I used to be, but if I’m stressed/nervous or wearing something that rough edges catch on, I’ll bite my nails.
  19. I call my cat about 12 different names: Tayla, Tay-tay, munchie, mook, mo-mo, mookie, munch-munch, nermal, and on and on.
  20. Give me a bag of dill pickle chips and I will be instantly happy.

Got a random factoid about yourself to share?

Categories: About Me, Personal | Tags: , | 13 Comments

100th post: Made it!

It’s taken me over year to get here to 100 posts, but I did it. It shouldn’t be a surprise to anyone that in writing, like in running, I’m not much of a sprinter. Looking back over the last year and a bit, I’m really glad I decided to start a blog and chronicle my thoughts and even an accomplishment or two. At first, I was really hesitant to start a blog and share my thoughts, but through my blog I’ve got a nice little timeline of the last year as well as gotten to know a bunch of other great pf bloggers who challenge the way I think and inspire me.

Now that I have written 100 posts, I feel like I should take a good look at this blog and see how I can improve it, as I think I’ll keep on writing for a while yet. I’ve toyed with the idea of going to a self-hosted blog, as I’d love to really be able to make the best blog I can. The only caveat I have is a little voice that tells me I don’t have the time to put the effort into making blogging a lucrative side-gig. It’s true too, I often feel like I’m short a day or two each week, between work and my evening activities, I’m not in front of my computer a great deal. Then again, it would be pretty sweet to have my own little domain that’s all Country Girl. I’d love to hear what you, my dear readers, think or if you have any experiences to share with going self-hosted.

I wanted my 100 post to be sort of special – which is why I’ve put off writing this post for a couple days, I couldn’t come up with anything that seemed special. I got to thinking today, it might be fun to try my hand at a list of 27 (as it is the 27th of May) random things I’ve learned, experienced or am thankful for. Here we go, in no particular order:

  1. I’m thankful for my health
  2. I’m thankful for my family
  3. I’m lucky to have the greatest best-friend-in-the-whole-damn-world.
  4. I learned that being debt-free is a great feeling.
  5. I re-learned how to braid hair – yay for long hair!
  6. I’m glad my cat’s eye isn’t weird and freaky looking anymore.
  7. I’m thankful for Dierks Bentley. Yum.
  8. I’m thankful I grew up on a farm.
  9. I’m glad I was able to get a job outside of the city.
  10. I love living by a big body of water.
  11. I love how quiet it is when the cottagers leave after a long week.
  12. I’m proud that I was able to buy my first house, by myself.
  13. I learned that the petty bitches in high school are still petty bitches.
  14. I’m learning to let the small stuff go.
  15. I’m happy to be Canadian.
  16. I hit four home-runs last year!
  17. I’m thankful for Cadbury Creme Eggs.
  18. I’m learning to enjoy the simple things.
  19. I started yoga and I love it.
  20. I’m glad my parents encouraged me to read when I was young.
  21. I’m getting better at keeping my temper in check.
  22. I’ve done the sour-toe cocktail.
  23. I’m glad I worked hard when I was a teenager and made a name for myself in the community.
  24. I’m glad I spent the money on high tea in Banff.
  25. I’m thankful I’ve got a great mentor.
  26. I’ve got more self confidence now than ever before – and it’s a great feeling.
  27. I’m thankful for the supportive, fun and inspiring pf community.

There ya’ have it. To all my readers, thanks for taking the time to read and share your thoughts with me. I’m looking forward to the next 100 posts, and maybe even a couple hundred more after that!

Have a good ‘un

Country Girl

Categories: About Me, Personal | Tags: , | 10 Comments

Worth it

I have started this blog post about six times, written about four sentences and then deleted everything. I must have sat out too long in the sun today (don’t worry, I put on sunscreen, so at least my skin isn’t burnt) or maybe my brain has a long weekend hangover, because this whole writing-thing is not working for me tonight. Sometimes, I can write and write and write, and then I have days like today when I can hardly string a sentence together. Of course, this happens the night I actually have the time to sit down and write a post too. In an attempt to thwart my brain’s blog writing rebellion, I’m going to do a picture post about things that I think are worth every cent. Take that, brain.

Here’s a few things that I will happily pay for and never complain about the price:

Cheese curds. I would consider selling an organ for a lifetime supply of warm, squeaky cheese curds.

 

Marcelle BB Cream. If I could only have one makeup product, this would be it. I’m not keen on makeup so this is my go-to alternative.

DAVIDsTEA Green Seduction tea. I have a pot of this every morning. Actually, I love most tea, so I never complain about the price of tea.

My Bogs. I spend a lot of time in rubber boots, and these (in green) are the best ones I’ve ever had. 

Good, non-greasy sunscreen. I’m the kind of person who burns on a rainy day, so sunscreen is not optional. Anything that keeps me from burning to a crisp or ending up looking like that scary tanning-lady from New Jersey is worth it.

What’s on your ‘worth it’ list? 

Categories: About Me, Spending | Tags: , | 15 Comments

Farm-Fresh Financial Lessons

Monday I wrote a post about the kind of skills farmers have. I was pretty tickled to see lots of farmer love in the comments. In the comments for that post, Deena suggested I write about the financial lessons I learned being on the farm. I think Deena must know my password because that is exactly what I had drafted up for my next post.

I learned lots of financial lessons growing up on a dairy farm, but here are the five big ones:

  1. If it’s broke – fix it. If you can’t fix it, repurpose it.

Growing up, I learned very quickly that most things around the farm break at usually the most inopportune times. It’s no coincidence that I learned all the best swear words at the same time. If something broke while we were milking, or working the fields, we couldn’t just run out and get a new cultivator or milk machine, because we needed those things working as soon as possible and they’re expensive. If you go back a post, you’ll see that I listed mechanic and welder as sub-professions most farmers are capable of – and for good reason, it’s way cheaper to fix things yourself, even if it’s just a band-aid solution for a while.

If something is beyond a fix, it gets repurposed. If it’s old equipment, it might sit in a scrap pile or tucked away in a corner of the barn for a while, but eventually most things get re-used. Old plow teeth can become garden tools, spare metal and components can be used on other equipment, even home accents. Two of my favourite examples from our farm is the stainless trough my grandfather got from the old cheese factory and stowed away in the scrap pile. We found it, filled the trough out with dirt and now have a super-raised garden for growing lettuce and spinach. The other is the bulk tank, once we got rid of the cows, we moved the bulk tank out of the milkhouse and around by the silo where we use it as a water storage tank, perfect because it hooks up to a big house that can be used to water the garden.

This is something that has stuck with me. I will always try to fix something before I throw it out. I’ve fixed a couple alarm clocks, easy stuff like chairs and wooden furniture, and even a tv. It’s tempting to chuck it and head to walmart to get something new, but it’s actually really rewarding to know you’ve fixed something and saved the money and time it would take to get a new one.

  1. Hard work doesn’t always pay off.

This is probably the toughest financial lesson from the farm. You can do everything right, but a windstorm, early snow or hail can make all that work for naught. It’s really disheartening, frustrating and hard on the wallet.

I usually equate this lesson with investments. You can research the heck out of a stock, fund or other type of investment and then something out of your control can happen and yours returns shrivel away.

This is why my next lesson is…

  1. Save for when hard work doesn’t pay off.

A bad growing year, or a mad cow, there are lots of reasons finances can be tight on the farm. The good years though, can more than make up this. If you plant the right crop at the right time and get a good harvest, there can be plenty of money to spend. The peaks and valleys of farming income make it a necessity to sock money away when you’ve got it. While dairying provided a pretty steady income, cropping is like riding a roller coaster sometimes. The possibility of a variable income I think is why so many farmers are worriers. It seems worrying about next year or the unexpected costs that might pop up (like when the tiles in the field break) make for great savers.

I absolutely and fully attribute my ability to sock money away to growing up on the farm and knowing that a dry summer might be right around the corner.

  1. Know when to cut your losses.

When crops are harvest, ideally it’s when they are at an optimum moisture level. For example, ideally, soybeans are harvested when they’re at a moisture level of around 14% – any higher and the beans have to be dried (which the farmer pays for) before they go into storage. The best case scenario is a great fall for harvesting and the beans are combined at 14%. Mother Nature doesn’t always play nice, so sometimes beans are harvested above 14% to ensure that there is a harvest when it’s been a wet fall. The farmer pays for the drying, which will cut into profits, but it’s better than not getting the beans harvested and getting nothing.

This is something I equate again with investments. It’s important to know when to cut and run. Also, this is key when you think about time vs. effort. You don’t want to be wasting all your efforts for nothing, so it’s really important to realize when you’ve hit that point where you’re just spinning your tires and not getting an adequate pay off your efforts.

  1. The newest and flashiest manure spreader is still just a manure spreader.

Manure spreaders don’t stay new and flashy for long and at the end of the day, it’s just around to spread shit. My Dad never bought any equipment new. New farm equipment is unbelievably expensive, but doesn’t work much different than the old stuff. There really haven’t been any technological breakthroughs in farming equipment in a while, so there’s no reason to go out and buy a brand new tractor. It doesn’t matter what the neighbour thinks of your old manure spreader, all that really matters is that it gets the job done.

This is probably the reason I have such an aversion to things that are expensive for the sake of being expensive. Lululemon is my favourite example – they are just yoga pants! I don’t need 90-dollar yoga pants to do yoga. The 20-dollar ones from costco (seriously, that’s where I bought my last pair of yoga pants and I love ‘em) seem to let me do yoga just fine. I am not always immune to new and flashy (after all, I’m planning on buying a new mac to replace my laptop) but the farm-mentality is still a pretty heavy influence when it comes to what I spend my money on.

I wouldn’t hesitate a moment to say that being raised on a farm has been a major influence on my financial outlook. I’m curious to know if others have had similar influences on their financial habits. What financial lessons did you learn from your parents or from where you grew up?

Categories: About Me, Farming | Tags: , | 3 Comments

Cents of a Country Girl is 1!

It’s my blogging birthday!

It’s hard to believe that it’s been a year since I started Cents of a Country Girl and joined the personal finance blogging community. From the get-go, everyone has been supportive and encouraging, for which I am very grateful. I started my blog, inspired by the likes of Give Me Back My Five Bucks, and Fabulously Broke in the City, with the hopes of bringing a bit of country (redneck?) perspective to personal finance. I set out with no particular goals in mind, other than to post consistently in hopes of improving my writing skills and keep myself accountable to my financial goals. My goals for the blog haven’t changed much since I started it – looking forward, I want to keep blogging regularly but also become more active in the pf community. I’d like to write a few more guest posts, go to a pf conference and comment more on other pf blogs. Given that, I also hope to learn about time management. I will have a giveaway in the near future, so keep an eye out for that!

Having a blog sure makes it easy to look back at what’s happened over the last year. Here’s some highlights from year one at Cents of a Country Girl:

In addition to those highlights, there were some big events in my life that happened in the past year:

  • I became debt free
  • I bought my first house
  • A tornado hit the town I work in
  • Won some blue ribbons for baking at the local fall fair (including a carrot cake that was auctioned off for $220)

Not bad for one year, I suppose. I’m not celebrating my blogging birthday per say, no contest or anything like that (unless you want leftover spaghetti). My blog birthday does coincide with posting a photo of myself for the photo challenge, so there’s something – you can see what Country Girl looks like, if you so desire. I think I will mark one year of blogging by attempting to make my own laundry soap – frugal fun!

Have a good ‘un

Categories: About Me | Tags: | 11 Comments

Tag! You’re it!

Cassie from Digging Up and Out tagged me in this nifty little blog game thing. You get 11 questions to answer and then you have to put out 11 for someone else to answer. I guess it’s sort of like those old fashion chain letters, except without the creepy ‘if you don’t send this to 34 other people you will die alone and warty’ threats. So here are the rules of the game:

The Rules:

#1 – Post these rules.
#2 – Answer the 11 questions from the person who tagged you.
#3 – Create 11 new questions for the people you tag.
#4 – Tag 11 people and link them to your post.
#5 – Let them know that you tagged them.

Sweet. Rule 1 completed. Onto the questions (apologies for short answers, my brain is tired and all I can think about is going to sleep in my new bed. Wheee!)

1) When you started paying off your debt, did you do it by balance or interest rate?

When I started paying off my student loan, I did it by balance. I was near-obsessed with getting that number to zero. Come to think of it, I can’t even remember what the interest rate on that loan was off the top of my head – some pf blogger I am!

2) What was your first job, and how much did you make doing it?

I got my first job when I was 14, working as a tour guide at a lighthouse. I loved that job so much that I worked there for another five years after that, eventually becoming the boss. I made $6.48/hr, which was student minimum wage way back when. I didn’t make a fortune working at the lighthouse, but it was more than enough for a kid without any bills to pay.

3) Have you ever stalled on an investing opportunity and regretted it?

I regret not buying apple stocks in the early 90s. Actually, I don’t have a lot of investment experience, which I regret – that counts right?

4) What was the blog that first got you interested in blogging?

Give Me Back My Five Bucks twas the blog.

5) If you had to trim your budget to the bare bones, what is the last thing you’d cut?

Geez, tough question Cassie. If I had to go down to a bare bones budget, the last thing I would get rid of would be the internet. I would cut everything else possible, even my cellphone, before giving up the internet.

6) What was the worst piece of financial advice you’ve ever received from a well intentioned person?

Invest in GICs. At the time, GICs were too inflexible for me, but I listened to a trusted relative, when I should have done my own research.

7) What do you wear to work?

Whatever I pull out of the closet. Casual is the style for my office, so I usually wear dark jeans, jeggings, fun dresses, that kind of thing. My favourite clothes-item that I get to wear at work are my moccasins.

8) How much money would it take to make you feel “set”?

I think I would feel set if my income was around $100,000. I live pretty simply, I don’t want for the extravagant, so I think if I made double what I make now, I would be pretty well off.

9) If you were to start over, which money mistakes would you make again because they contained valuable lessons?

I would get a student loan again. That loan was so crucial in teaching me how to control my spending, and live with and deal with debt.

10) Are you following in your parent’s financial patterns? Why or why not?

I think I am, and that’s a good thing. My Mom worked hard to pay off her student loans and paid them off shortly after she graduated and started working full time (and people say we just look alike). My Dad is frugal and a cautious investor, but tends to overspend on occasion on gifts and snacks; all of which, I am  or do too. I am really, really fortunate to have been raised by two very level-headed and financially responsible people.

11) When you’re short on cash, what are your go to cheap meals?

Spaghetti, as far as I figure, it’s probably the cheapest thing to make when you have your own canned tomatoes. My other cheap alternative – whatever Mom’s cooking. I’m such a food mooch.

Alright here are my 11 questions:

  1. What’s your financial pet peeve?
  2. What’s your dream job?
  3. You’ve got $1000 to give to one charity, which one do you choose and why?
  4. What’s your favourite thing about blogging?
  5. What accent is sexiest to your ears?
  6. How do you budget – jars, spreadsheet, paper and pencil?
  7. What’s your favourite no-cost winter activity?
  8. Who do you admire or aspire to, financially?
  9. If you could change one thing about your work, what would that be?
  10. Apples or oranges?
  11. What’s the best financial advice you’ve ever been given?

I tag anyone who’s reading this (‘cuz I’m too sleepy and fuzzy-headed to figure out who all has been tagged already). Hah!

Have a good ‘un

Categories: About Me | 4 Comments

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