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brin_bellway[cw: poverty, (arguably) poison]
I occasionally need to reference this in conversation, and the last post about it is significantly outdated.
---
(all figures in CAD; priority order is subject to change)
1. One-month, three-person emergency fund (Brother can handle himself) ($3,750) {{last I checked (ten days ago) we technically have this, but not by a large margin and I don’t expect it’ll hold much longer; in any case, I keep the emergency-fund tiers on the List even when we have them, to help keep them in mind when deciding how to prioritise other items}}
2. Repair front-hallway drywall (a couple hundred?)
3. Enough float money to do energy-efficiency rebate programs ($5,000 if you already have a one-month, for a total of $8,750)
4. Mattress for me ($604 for a 2-inch medium latex-foam layer and 2-inch firm layer to go with the 2-inch soft layer I already have (currently being used as a mattress topper); coupon code “TMUD%” might help)
5. Three-month, three-person emergency fund ($7,500 if you already have a one-month, for a total of $11,250)
6. Basic wills ($184 for three, after coupon code “SAVVY20”)
7. Porch replacement and handrail installation (don't have a price quote on this yet, maybe a few thousand)
8. New coat of paint for parts of house requiring protective paint coating (don't have a price quote on this yet)
9. Dental checkup for Mom (~$300?) {{I’d put this at #2 if it were me--indeed, the reason you don’t see mine on here is because I already crossed it off--but she insists on deprioritising it}}
10. Six-month, three-person emergency fund ($11,250 if you already have a three-month, for a total of $22,500)
11. Whole-house humidifier? (a few hundred)
12. Tertiary freezer that is *not* 30 years old and horrendously inefficient ($750? even a secondhand freezer might well constitute a significant efficiency upgrade, though: keep an eye out on Kijiji when this gets near the top) (note: current freezer’s internal space is 19” by 28” by 19”, for a total of about 5.8 cubic feet of storage)
13. Parental mattress of decent quality (a couple thousand)
14. Fill out rest of my RRSP (~$6,400 as of mid-2022) {{note that as a U.S. non-resident citizen it is very difficult for me to legally own index funds *except* in an RRSP}}
15. Replace upstairs hallway carpet and parts of the floor underneath (don't have a price quote on this yet)
16. Check whether bathtub needs to be replaced (don’t have a price quote on this yet) {{I suspect that the check, at least, should be dragged up to #2 because it might be easier without the drywall in the way}}
17. Replace basement floor (don’t have a price quote on this yet)
18. Radon test ($50 for the test itself, but ~$4,000 for subsoil depressurisers to fix a failure result ($1,500 off if your household income is below $47,500))
19. Replace deck (don’t have a price quote on this yet)
20. Check if there are any other house repairs that need doing (don't have a price quote on this yet)
21. Fire-escape ladder (~$130) {{this would be way further up if we were more rural, but the ladder trucks can get to us pretty quick; it’s small enough that instead of keeping it as a List item I might ask for it as a Hanukkah gift at some point}}
22. Hybrid (of on-grid and off-grid) solar system (~$30,000, though probably significantly less by the time we get a chance to do it)
I occasionally need to reference this in conversation, and the last post about it is significantly outdated.
---
(all figures in CAD; priority order is subject to change)
1. One-month, three-person emergency fund (Brother can handle himself) ($3,750) {{last I checked (ten days ago) we technically have this, but not by a large margin and I don’t expect it’ll hold much longer; in any case, I keep the emergency-fund tiers on the List even when we have them, to help keep them in mind when deciding how to prioritise other items}}
2. Repair front-hallway drywall (a couple hundred?)
3. Enough float money to do energy-efficiency rebate programs ($5,000 if you already have a one-month, for a total of $8,750)
4. Mattress for me ($604 for a 2-inch medium latex-foam layer and 2-inch firm layer to go with the 2-inch soft layer I already have (currently being used as a mattress topper); coupon code “TMUD%” might help)
5. Three-month, three-person emergency fund ($7,500 if you already have a one-month, for a total of $11,250)
6. Basic wills ($184 for three, after coupon code “SAVVY20”)
7. Porch replacement and handrail installation (don't have a price quote on this yet, maybe a few thousand)
8. New coat of paint for parts of house requiring protective paint coating (don't have a price quote on this yet)
9. Dental checkup for Mom (~$300?) {{I’d put this at #2 if it were me--indeed, the reason you don’t see mine on here is because I already crossed it off--but she insists on deprioritising it}}
10. Six-month, three-person emergency fund ($11,250 if you already have a three-month, for a total of $22,500)
11. Whole-house humidifier? (a few hundred)
12. Tertiary freezer that is *not* 30 years old and horrendously inefficient ($750? even a secondhand freezer might well constitute a significant efficiency upgrade, though: keep an eye out on Kijiji when this gets near the top) (note: current freezer’s internal space is 19” by 28” by 19”, for a total of about 5.8 cubic feet of storage)
13. Parental mattress of decent quality (a couple thousand)
14. Fill out rest of my RRSP (~$6,400 as of mid-2022) {{note that as a U.S. non-resident citizen it is very difficult for me to legally own index funds *except* in an RRSP}}
15. Replace upstairs hallway carpet and parts of the floor underneath (don't have a price quote on this yet)
16. Check whether bathtub needs to be replaced (don’t have a price quote on this yet) {{I suspect that the check, at least, should be dragged up to #2 because it might be easier without the drywall in the way}}
17. Replace basement floor (don’t have a price quote on this yet)
18. Radon test ($50 for the test itself, but ~$4,000 for subsoil depressurisers to fix a failure result ($1,500 off if your household income is below $47,500))
19. Replace deck (don’t have a price quote on this yet)
20. Check if there are any other house repairs that need doing (don't have a price quote on this yet)
21. Fire-escape ladder (~$130) {{this would be way further up if we were more rural, but the ladder trucks can get to us pretty quick; it’s small enough that instead of keeping it as a List item I might ask for it as a Hanukkah gift at some point}}
22. Hybrid (of on-grid and off-grid) solar system (~$30,000, though probably significantly less by the time we get a chance to do it)
