Saturday, January 18, 2020

10 Thankful, Thrifty Things: Cheap Tickets, Free Hotels, CNY and Saving Soap...

Chinese New Year is next week, and that means festivities are ramping up here in Hong Kong. I always look forward to this time of year. Firecrackers, orange trees, dragon dances, cherry blossoms, traditional foods...so much fun!

I'm also thankful for The Ronald McDonald House and all they do for families around the world. I was blessed to volunteer at the RMH here in Hong Kong today. One of the regular local volunteers, Candy, makes the most amazing homemade Hot Chili Sauce. Today, I mentioned how much I like it and she gave me a jar! Thank you, Candy!


I'm also thankful that it is raining in Australia. My friend and former coworker, Jane, posted this picture today. I think it is a touching shot. (PC Pamela Schramm.)


We are part of a wonderful international community. Last week, we had a little gathering of "awoks"(adults with out kids--(at home:)). Some were back visiting, some are getting ready to leave, and some of us still call this city home for right now. New Zealand, US, and Canada all represented here. Thankful for these people who love Jesus and love each other, and thankful for the Autys who hosted.


Our son needed to fly home earlier than he had originally thought because of some college issues. American Airlines wanted to charge us $3000.00 USD!!!! to change our ticket to an earlier day. That was NOT going to happen. I had some points with the same airline, but since it was a last minute flight, I was looking at 120K points for a one way economy ticket from HK to Philly. I didn't have or want to use that many points, but I kept checking several times a day, and sure enough, a business/first class ticket showed up for 70K points and $62, so I snagged it. My son got the enviable opportunity to fly in a sweet lay flat seat for his 13 hour flight, after his steak dinner. I have never been able to do that. And that, my friends, is nothing but mother love. Here he is back in Philly with his girlfriend. 


A few things on the thrifty front:

I have a pair of slippers that were wearing through on the the bottom. I found a child's fleece jacket on the free table at work, and it yielded enough material to add two extra layers to the bottom of my slippers. I cut them out and rough-stitched them in. Not only are they softer, they are much "cushier." 



How many small, almost used bars of soap can you add to a bigger bar? In this case, the answer is three.


I told my kids that the only thing I wanted for Christmas was cheese and coffee, and they delivered! This is only a portion, but today we enjoyed some Wisconsin Cheddar from Abby and some Starbucks from Lee, (who happens to work there). 


I know it's a little thing, but I get free trash bags every month from our apartment security guards. We get a receipt in our mailbox when our landlord pays the management fees, and our guards stamp it and give us our free trash bags. It makes me smile every time!


I needed to get in a free night at a hotel within the IHG group before my annual certificate expired, so last Friday, Mike and I spent the night at the Crowne Plaza in Causeway Bay. Had a little fruit platter waiting for us, and we had nice view. Room was comfy and we slept in. What more can you ask for?





In other news, we are trying to eat up all the leftovers before Chinese New Year break begins next week. Do you know where we are going? I'll let you guess!

Thanks for those who participated in my contest a week or so ago. The winner was Jon Seah, who correctly guessed 4 out of 5 of our favorite eats.

That's a wrap for this week. Tell me...what are you most grateful for this week?






Saturday, January 11, 2020

22 Ideas that are Helping Me Declutter My Life

We all know it. We are consumed by STUFF and it drives us crazy. And yet, somehow, we can never quite conquer the piles. Oh, sister (and brother) I am right there with you. Living in Hong Kong in 425+-sf, I sometimes start feeling smug. "Look at me," I tell myself," I have all I need right here in this tiny space. I am amazing! Who needs a McMansion?"

My tiny kitchen in Hong Kong. 
Then I remember that I have a 2700 sf home in the US that is full. (1800 sf of living space, plus a basement/attic that are jam packed.)
Our home in Maine. (PC the fantastic Morgan Wiley)
I am quite naturally a hoarder. I am sentimental. I love anything antique. Items received from any member of my family are precious to me and I feel like I am giving away a part of my soul when I part with them. OK...maybe a slight exaggeration, but still. I like to be be prepared. I hate to waste. These are just a few of the many reasons that is it difficult for me to part with...anything.

My grandson, Calvin, playing with a safe that belonged to his great, great, great, great grandfather. 
The last few years, I have been making a concerted effort to scale back, minimalize, declutter...call it what you will, but here are some thoughts that have helped me. I am a work in in progress.

1) Only keep one or two items from a loved one. This is one idea that has helped me immensely. I remember when my Great Aunt Blanche died and my mom had me chose some items to keep. For some reason, I felt I could never part with any of those items since they came from her. Now I have narrowed down my selection and saved items that are actually useful, like her bread box, which sits on my counter in Maine and her picnic basket, which I actually use.
Aunt Blanche's picnic basket in our borrowed canoe.

The reality is, my attachment to those items will mean nothing to my kids, who don't even remember this aunt.
Lilacs from my Mom's bush. Everything in this photo has sentimental value.

2) Ask yourself if you've used it in the past year.  There will always be items that we keep that don't fit this category--certain tools, craft supplies, books-you get the idea, but for me it has been best applied to clothing and dishes. 
3) Is it a rarely used item that you could borrow and/or rent if needed? We borrow items like extension ladders, baby equipment, air mattresses and power tools. We are always happy to lend items also.
4) Do you want to leave this to your family to deal with? This thought is what keeps me motivated. I have heard so many nightmare stories about "cleaning out" Gramma's/Dad's/Uncle's house. All these "things" that represented a whole lifetime, and no one is interested. I'd like to save my family the hassle as much as possible.
5) Can something else you have do the job just as well? How many kitchen gadgets do you really need? Small appliances are a huge money drain and space saver. That fancy yogurt maker? You can probably use your crock pot. The new instapot you were gifted for Christmas? Time to hand off your slow cooker because now you have an appliance that does the same thing. 
6) Is it online and on paper? I save many of my tax receipts in a folder online now. No need to print them. Likewise with recipes and owner's manual, most can be found online these days. 
7) Clothing? Does it even look good on you anymore? Do you have 20 sweaters, 40 pairs of shoes? You know what to do.
8) Scale photos back to about 20 per trip. I try to delete photos from my phone at the end of everyday while we are travelling and only save the best shots of the day. I need to go through my boxes of printed photos. I know I have duplicates.
Every time I go to Macau, I take this photo. Seriously? How many do I need? 

9) Does it make sense to sell the item and invest the money? I have some jewelry that I never wear. I doubt that anyone in my family would wear it either. I am contemplating selling some of it and investing the money elsewhere.
10) If you had to move to 300 sf, would you take it with you? Pretty self explanatory.
11) Can it serve someone else better?  I have too many winter coats. I'm pretty sure there are people who need a warm coat. Time to pass some of them along.
12) How many of any particular item do you need? Random coffee mugs. Scarves. Half burned candles. Sample sizes from hotel stays. You know what I'm talking about. You know what to do.

13) Can you sell it and use the money for something that will make you happier? I use this as a challenge to myself sometimes. While I was planning one of our trips, I really wanted to stay in certain hotel that was out of my price range. I challenged myself to sell enough items to pay for the difference in room prices. Effective. 
14) Can you give it to a family member now rather than later? I had a ring that belonged to my Great Uncle. It was a simple gold wedding band. I decided to give it to another cousin who was closer to this uncle. He was happy; I was happy. The ring stayed in the family. 
15) Does it cost you more for upkeep than it is worth? Case in point: our 1991 Honda Accord. I love this car. I really do, and it has been a great vehicle up until the last few years when it started nickel and diming us like the old vintage car it is. It's time to let it go and quit paying the annual registration, insurance and inspection fees. Especially since we only use it for 7 weeks every summer. 
16) Seasonal decor is nice, but can you simplify? It's easy to let seasonal decor get out of hand. One year when we were first married, my husband was gifted a ceramic village house. I found another I liked at a yard sale. The collection kept growing. As pretty as it is when it's all set up, truth be told, I don't really enjoy it anymore. I need to pass it on or sell it.
17) For everything you bring in, send one out. Twice a year, the ladies at the school where I work have a clothing exchange. My goal is to never bring more home than I donate. 

An outfit from a few years back. 

18) A decluttered home looks cleaner. I read somewhere that a refrigerator with nothing on it looks much cleaner that one that is covered with magnets, pictures, coupons and takeout menus. It's true. Think about it. Both may be equally clean, but perception is reality. 
19) The bigger the space, the more you need to fill it. Downsize. Smaller home. Smaller vehicle. Less storage containers. Get. Rid. Of. Things. Don't give yourself more storage options, get rid of the stuff you were going to store.
20) Does it bring you joy? Marie Kondo made millions after her book "The Life Changing Magic of Tidying Up" became an international best seller. Her key question? Does it spark joy? I read her books, and I did learn some very helpful tips. I changed the way I organize my closet and fold my clothes. I learned to work with the storage space I have rather than buy more shelves. I did actually get rid of some items that I really disliked, but kept because I thought I should.
21) Don't be afraid to ask for help. A few years ago, a younger colleague of mine was wanting to get rid of some of her clothing. She thought she had too much, but was afraid she would not be ruthless enough. I spent an afternoon with her and helped her evaluate. She got rid of several large bags of clothing.
22) Can you re-purpose something?  Several years ago, my cousin gave us a wooden boat that he had built in the 1960s. It has brought us lots of joy, but my husband has been having to repair leaks every summer lately. When the time comes, we are planning to turn the boat into a bookshelf in our cabin. 

These are few ideas that have been helping me. I'd love to hear what you would add to the list!

Sunday, January 5, 2020

How Well Do You Know Us??--Win $25 Gift Card

While our kids were all here with us, we told them they were responsible to provide one meal for the entire family. They could buy groceries and prepare the meal, or take everyone out to eat. Everyone chose going out to eat. I thought choices were interesting, so here's a fun little game for you: match the restaurant with the right Cliff for a chance to win a $25 Amazon gift card. First person to correctly guess all 6 on facebook or the blog wins! Contest will close on January 12, unless someone guesses correctly earlier. If no one guesses them all correctly, I will pick the person who gets the most right. (My kids...sorry...you can't vote!)

Although kids' spouses did help pick, for the sake of ease, just list a number with the following names: Mike, Trish, Abby, Will, Aaron, Lee---numbers below:

1) Paisano's Pizza

2) McDonalds: (Are Chicken Nuggets the Universal Kid Favorite?)

3) Bafang Dumplings with Bubble Milk Tea

4) Ichanzo Sushi

5) Hot Star Fried Chicken

6) Macanese Pork Buns




Friday, January 3, 2020

15 Recent Frugal Wins and Losses

A new year is upon us, and like most of us at the beginning of a new year, I'm feeling a bit reflective and am in the midst of coming up with a new set of goals for 2020. We had all our children and their families here in Hong Kong for Christmas. With a total of 10 now, it was a bit chaotic and crazy, but all kinds of wonderful. 


Our youngest son, Lee, proposed while he was here, on New Year's Eve, and we are excited about welcoming Emily to the family soon! 


Having 10 people around for nearly 2 weeks wasn't exactly always thrifty, but I wanted to share 10 recent frugal wins and 5 fails:

WINS
1) The next few days, we will be eating up lots of leftovers, which means odd combinations. But that's OK, and it fills our bellies. 

2) I dyed my own hair today with dye I purchased in the summer and brought back.


 3) I'm using the drying rack to hang a boatload of laundry.

4) I'm decluttering and taking a couple of bags to the free table at school. This allows me to open up space and also to find things I forgot I had!

5) I'm writing a menu for the next two weeks, trying to clean out the freezer and cupboard and buy only what is needed.


6) I'm scheduling free dental cleanings for Mike and I. (Sadly, for the first time ever, I missed our appointments. I should have known better than to schedule them two days after Christmas while everyone was here!)


7) I downloaded 2 free kindle "first read" books because I just signed up for prime for the month of January as we will be going to Maine in a couple of weeks for Chinese New Year holiday. Normally, Prime offers one free kindle book per month, this month, they offered two. I got them both. 

8) I used a gift card to get two free Starbucks drinks for a rare coffee date with my daughter. (Thank you, ICS PA.) 


9) I am using Clinique face cream that I found on the free table at work, but have taken it a step further and cut the tube, allowing me to get even more out of it.

10) I am returning several items that we borrowed while my family was here. It is a blessing to be part of a generous international community. From an entire apartment to a stroller and an air mattress, it's great to borrow and not have to buy!

LOSSES
1) I threw out several large containers of food that had gone bad. I hate to waste food, and I'm usually very mindful of what I have, but with the chaos of having so many around, I lost track, which makes me sad.

2) I ordered some photo books because I had a 40% off coupon. I suppose this could be seen as a win, but it's not something that was a need, and as soon as I ordered, I questioned my decision. I'll let you know how I feel after they arrive.  

3) I had a deal for Hello Fresh, which I normally would not use because it is expensive even when it's on sale, but since we were going to be in the US for 10 days, I signed up. Frustratingly, I mixed up the dates, and the first order will arrive 2 weeks before we do. At least our son and daughter in law will be able to use it!

4) I let the $250.00 airline incidental fee on my Amex card expire at the end of 2019. To be fair, I did try my best to use it, but you have to sign up for a particular airline, and you can only change this once a year. I had signed up for American Airlines, and sadly, we did not fly much with them this year. You cannot use the fee toward airline tickets, although Amex used to let you buy gift cards, but now, the fee can only be used for things like extra baggage and lounge access fees, something we don't use often.

5) I missed a BOGO offer on my Starbucks app. I thought it was good until 12/31, but it actually expired 12/30. Boo.


So here's to a productive 2020. I would love to hear about some of your wins and losses and goals for the new year! 



Wednesday, December 18, 2019

Final recap of 2019 Goals...Bring on 2020!


Merry Christmas, everyone.  Here's the last blog post of the year.  Onward to 2020!!




1) More intentionality regarding ____________________.C

This is a very personal goal, and I will not share the particulars. I would give myself a solid C as I look back over the year. It may not be the best, but if I hadn't made it a goal, it likely would have been an F. Goals are good for you!

2) Read entire Bible through. A

Yeah! I finished this one early. I used the One Year Bible Plan, which provides daily readings in the Old and New Testament as well as Psalms and Proverbs. It's a nice mix. Solid A on this one. I rarely miss a day, and when I did, I caught up the next day. I think I will have the same goal next year, but use a different plan.

3) Read 40 books. Actually got 60!! A+++

What I've read so far:

You Were Warned
Women at the Well
Deception Point
The House by the River
Hope They Like Rice
The Address
First Aid Manual
Broken Grace
The Sweetness at the Bottom of the Pie

China Rich Girlfriend
Your Money or Your Life
The Address
Manuel of School Health
Nurse Exam Secrets
Anna Karenina
One Friday in Jerusalem
Murder in the South of France
If She Knew
Wish Upon a Shell
Generous Justice
Bridge to Haven
All This I Will Give to You
Hunger for God
Dig for Your Dinner in May
Dig for Your Dinner in June
Commander in Chief
Dinner with a Perfect Stranger
Youth and Consumption
Romancing Your Child's Heart
Blueback
Dig for Your Dinner in June
Out of Range
The Lost Kitchen
An American Princess
The Stranger in the Woods
Allusion
Camino Island
The Way to Wealth
What You Did
False Step
Tender is the Night
In Our Time
The Meaning of Marriage
Carpool Confidential
Munich
Dig for Your Dinner in September
Our Incredible Journey Home
Stay Hidden
Pretty Girls
Twenty and Ten
Hidden Treasures
A Year in the Maine Woods
How Bernie Madoff Saved My Life
The Whistler
The Money Mentor
Coco and Igor
The Green Hills of Africa
Dig for your Dinner in November and December
The Reckoning
Thin Air

The books I'm working on right now:

Wild Swans 
The Power of a Praying Grandparent


4) Spend at least 20 minutes daily in prayer/prayer journaling. (In addition to Bible reading and gratefulness journal.) C

I would say a C on this. Prayer is an area of struggle for me. It's not that I don't sit down to do this almost every day, it's that my mind wanders far too frequently. And we all know that thinking about (translate: over-analyzing/worrying about) an area of concern is NOT the same thing as praying about it. I believe Satan likes to keep us here. This is why I wanted to try using a journal, and this has helped, but I need to figure out a better system.

5) Take Cantonese classes.  DONE A for effort...
广东话


I did it, but I need to practice more.

6) Weigh ______ by Will's wedding, July 20. FAIL
 (Daily: 10K steps, at least 60 active minutes-per fit bit, 1100 calories or less, 2L water)


I did not meet my goal, though I almost did at one point. This is a high priority for 2020, along with a better plan. 

7) Hike Mt. Katahdin before I turn 51 (on July 29).   DONE






8) Pay off faith promise to our church by the end of the year.  DONE A

We truly love our church in Hong Kong. Here's our class: 


Anyhow, we were blessed, and consequently able to pay off our faith promise to our church in Hong Kong before the end of June. God is good. 

9) Save $________ by the end of the year. A

This was close, but we made it! Again, if it had not been a goal, I don't think I would have had the 
discipline to finish this one. 


10) Provide 30 meals for others.   DONE--but will continue. A

I do this in a variety of ways: having guests stay in our home, having friends over for a meal, taking someone out to eat, providing meals for others in need (after a baby, an illness, etc), sending gift cards for meals when I cannot provide a hands on dinner.


11) Volunteer 3 hours a month on average and 1 week at Living Waters. B+

I don't think I've quite hit 3 hours a month, but it's been close. I was able to complete my week as a camp nurse at Living Waters in Maine last summer. I have been going to this camp since I was 11 years old...these folks are like family to me. It is such a blessing to be able to give back to a place that impacted me in such a huge way. 


12) Post on my blog weekly. Solid Fail. 

I didn't start until Feb 22, and this is my 17th post. I kind of gave up on this one, but I still want to make it a goal next year. 

13) Write a real letter or card weekly. Maybe a C??

Don't you love it when you get a real letter in the mail? It's a rarity these days. I've done OK on this, but not great. I started out strong, but then missed some weeks, and then, well...it just went downhill. 


14) Buy one new piece of "investment" clothing for Mike or myself monthly. Fail. 

As in, didn't do this at all. No excuses, just didn't do it. 


15) Finish up and notarize our will. DONE Talk to the funeral home.

Finishing our will has literally been on my to do list for 20+ years. It is finally completed, notarized and in the Safety Deposit box. This is such a relief for me, and it's really silly that it took me so long to finish. 


I did not talk to the funeral home, but it's still on my list for 2020. 

16) Change over old 401Ks to IRAs, or at least talk to financial planner.  DONE

Actually, after talking to a planner, we opted not to change over to IRAs. 

17) _______a ________ for _________.  DONE!

A personal gift. You'll find out about it when the recipient does. It's finished, but I can't tell you until Christmas!!  


I'm ready to give these out in less than a week!!

18) Get nursing CEUs finished by summer. DONE

Nothing exciting, but checked this one off the list. 


19) Get some sort of travel certification.   DONE 

You are looking at an official member of the American Society of Travel Advisors (ASTA)!  Pretty happy about this, and looking forward to maybe being able to help others soon. 




Monday, July 8, 2019

2019 Goals--Half Year Grades.

1) More intentionality regarding ____________________.

This is a very personal goal, and I will not share the particulars. I would give myself a C+, or maybe a B- at this point in the year. I have had more success with this the past couple of months; I'm guessing that's because I started praying more. Imagine that!

2) Read entire Bible through.

I'm using the One Year Bible Plan, which provides daily readings in the Old and New Testament as well as Psalms and Proverbs. It's a nice mix. Solid A on this one. I rarely miss a day, and when I do, I catch up the next day, or sometimes I read ahead if I know a particularly busy day is coming up. Currently reading I Chronicles in the OT and Acts in the NT.

3) Read 40 books.

I've already finished 32. I think I undershot this goal. 

What I've read so far:

You Were Warned
Women at the Well
Deception Point
The House by the River
Hope They Like Rice
The Address
First Aid Manual
Broken Grace
The Sweetness at the Bottom of the Pie

China Rich Girlfriend
Your Money or Your Life
The Address
Manuel of School Health
Nurse Exam Secrets
Anna Karenina
One Friday in Jerusalem
Murder in the South of France
If She Knew
Wish Upon a Shell
Generous Justice
Bridge to Haven
All This I Will Give to You
Hunger for God
Dig for Your Dinner in May
Dig for Your Dinner in June
Commander in Chief
Dinner with a Perfect Stranger
Youth and Consumption
Romancing Your Child's Heart
Blueback
Out of Range
The Lost Kitchen (from my friend, Della) Such a great read!

Currently reading: 

An American Princess
Playing for Pizza
The Stranger in the Woods

4) Spend at least 20 minutes daily in prayer/prayer journaling. (In addition to Bible reading and gratefulness journal.)

I would still say a C on this. Prayer is an area of struggle for me. I have been doing a little better during this second quarter. 


5) Take Cantonese classes.  DONE
广东话


6) Weigh ______ by Will's wedding, July 20. 
 (Daily: 10K steps, at least 60 active minutes-per fit bit, 1100 calories or less, 2L water)


It's not that I'm making excuses, (OK, I am) but I don't think I'm going to quite make this. But it's OK, because I can change the end date!

7) Hike Mt. Katahdin before I turn 51 (on July 29).   DONE


I DID IT! And I climbed arguably the hardest trail: up Cathedral, across The Knife's Edge, and down Helon Taylor. My legs were stiff for 4 days, but I did it, and I have zero desire to try it again when I am 60. Hiking Katahdin is one of those things you do that is not enjoyable at the time, but it does bring a certain sense of pride.


A portion of the Knife's Edge.


At the Peak.


Lots of hikers on Cathedral when we got there. 


Looking back across Knife's Edge toward the summit. 

 8) Pay off faith promise to our church by the end of the year.  DONE

We truly love our church in Hong Kong. This is part of our adult Sunday School class. (The men are sitting at the other end...taking about men things.) Isn't eating the universal prerequisite for Christian gatherings??



Anyhow, we were blessed, and consequently able to pay off our faith promise to our church in Hong Kong before the end of June. God is good. 

9) Save $________ by the end of the year.

I am not sure if we will make our projected goal, but in the savings department, SOME is always better than NONE. B-



10) Provide 30 meals for others.   DONE--but will continue. 

I do this in a variety of ways: having guests stay in our home, having friends over for a meal, taking someone out to eat, providing meals for others in need (after a baby, an illness, etc), sending gift cards for meals when I cannot provide a hands on dinner.


While we are in Maine, this ramps up a notch or two...or three or four! Our home is basically a Bed and Breakfast in the summer months, and we love having people over. I've already provided my 30 meals, but I'll keep this going throughout the rest of the year. 


My son, Aaron and 3 of his college buds were here for a week.  Here they are with brother Will.

11) Volunteer 3 hours a month on average and 1 week at Living Waters.

I don't think I've quite hit 3 hours a month, but it's been close. I was able to complete my week as a camp nurse at Living Waters in Maine this past week. I have been going to this camp since I was 11 years old...these folks are like family to me. It is such a blessing to be able to give back to a place that impacted me in such a huge way. 


Mrs. Emery has been working in the office at camp since the year it opened in 1970. 49 years!! She is 95, and shows us how it's done.


These two couples have invested greatly in my life personally. The couple seated, Wendell and Joan Calder, founded the camp and directed it for the next 20 years. Karen and Roger Black, standing, have been there for 36 years, 29 as director. 






The view from the infirmary window.

12) Post on my blog weekly. 

I didn't start until Feb 22, and this is my 17th post. That's 17 out of 27 weeks, or 63%. Which is failing by some standards, and a D by others. But that percentage will go up as the year goes on, if I stay the course.  Maybe I can end up with a C??

13) Write a real letter or card weekly.

Don't you love it when you get a real letter in the mail? It's a rarity these days. I've done OK on this, but not great. I started out strong, but then missed some weeks. I try to write a note to someone each weekend.  B or C on this one.


14) Buy one new piece of "investment" clothing for Mike or myself monthly.

Still not doing well on this goal. I did buy some expensive underwear for myself that was on sale and 3 pairs of Darn Tough Socks for Mike. Does that count?? D+


15) Finish up and notarize our will. DONE Talk to the funeral home.

Finishing our will has literally been on my to do list for 20+ years. It is finally completed, just need to run to the notary and get it tucked away. This is such a relief for me, and it's really silly that it took me so long to finish. 


I also want to talk to our local funeral home this summer about planning ahead. I'm not sure what that looks like, but that's exactly why I want to start the conversation. We already purchased cemetery lots in my family cemetery a couple of years ago. That's a start!

16) Change over old 401Ks to IRAs, or at least talk to financial planner.  DONE

Actually, after talking to a planner, we opted not to change over to IRAs. We are, however, moving around the investments we do have within the companies they are already in. 

17) _______a ________ for _________.  DONE!

A personal gift. You'll find out about it when the recipient does. It's finished and ready for Christmas!!  


18) Get nursing CEUs finished by summer.

Slated to finish on July 11, this Thursday! So close to checking this one off the list. 


19) Get some sort of travel certification.   

I thought I was going to be able to have this checked off because I sent the money in to join a group over a month ago, but I haven't heard back from them...sooo...maybe next time!