Last year, I created a challenge for myself called Make it or Bake it.  The concept is self-evident; I either make or bake all my Christmas gifts.  This year, I informally decided to do the same thing. However, my list of people to make/bake for has significantly decreased. Last year, I baked bread for my bosses/coworkers, my ex-boyfriend, my neighbour, and my parents. This year, I’ll be planning some Christmas goodies for my parents only, and making a handmade present for my boyfriend. Two weeks ago, he told me he would rather that I not spend any money on a present for him, so I settled for a time consuming project o’ love. He’s a keeper, folks! 

My favourite part of the holidays stopped being about the gifts right about the time when I left university. Even though my parents have been exceptionally and unnecessarily generous this year (combining a birthday/Christmas gift to help me buy a couch), I am most looking forward to going home to the farm, relaxing, and spending some time with my family. The idea of gifts takes a back seat to seeing Grandparents, Aunts, Uncles, Cousins, and pets. And who needs gifts when you have delicious farm cooking, like my mom’s homemade pumpkin cheesecake, last year’s hit.

Now that I’ve removed myself from the commercialism of Christmas, I can honestly say I appreciate and enjoy it more.  Sure, the thought of overheating in my winter coat while waiting an hour in line to buy a book does bring a certain sense of nostalgia. But instead of using my six-foot height to squish the shorter beings who have the misfortune of getting in between me and the cash register, I’ll be in my apartment, curled up on my couch, working on my Christmas projects and watching Buffy.

When I was growing up, Christmas was simple. For one thing, we used the word “Christmas,” not holidays. Even though I come from an agnostic/hardcore-atheist parental pairing, we still sang carols, had Nativity scenes, and watched all the Christmas specials. Mom would bring out her giant Christmas tupperware containers, filled to the brim with garlands, wreaths, and red and green stuffed animals. Christmas shopping also played its part. Every year, I’d take some of my savings (usually no more than $40) and go to the mall. I’d squeeze that $40 into gifts for four family members, how I don’t know. But the joy of shopping for my family was something I looked forward to.

As an adult, I think it’s all too common to get swept up in Holiday Mania. Naturally, there’s the shopping (and the thought of braving a mall right now makes me shudder), cooking, baking, cleaning, hosting, decorating, etc.

But let’s not forget the point of the holidays. For me, Christmas is about spending the darkest day of the year with the people I love, while eating as much food as I can stand. It’s about relaxation and revitalization. It’s not about what I receive, or what I give, it’s how I feel. It’s a celebration of the changing of season. It’s about looking at all the gorgeous lights decorating the houses, or giving a little extra to a favoured charity.  Presents feel like a distraction as opposed to a necessary ingredient.

So my holiday message to you is: do what brings you joy. If spending money is going to stress you out, don’t let the pressure of the season get to you. Your loved ones will be much happier knowing that you’re not secretly panicking as you hand over the gift you couldn’t really afford. Buy something small and thoughtful, or better yet, make it. Another gift alternative could be rounding up a bunch of friends and having a skating party. Have a thermos of hot chocolate at the ready, and savour the memories. If your friends are anything like me, they’ll appreciate that more than a set of headphones.

Don’t look for me in the malls. I’ll be too busy strapping on my skates, chasing after my own little piece of joy in the spirit of Christmas.

Gah, so cute!!!

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I read two really fantastic books this weekend, cover to cover.  The first was Gretchen Rubin’s “The Happiness Project,” which started out as a blog, and evolved into a novel.  I loved it, and think it’d be a great read for anyone who has tried to quantify what happiness means to them, and tries wacky things to make it a reality.  However, my inclination is that this book would be better suited to female readers.

The other book I read was Terry Fallis’s “The Best Laid Plans.”  I think I found it because it was featured on the Toronto Public Library’s home page as a new Canadian fiction item.  I think the reason I devoured it was because it revolves around a Canadian federal election, and gets you behind the scenes for what’s REALLY happening on Parliament Hill.  It was a great read, because even though it was “fiction,” it felt more like a thinly veiled exposé of the dark side of Canadian politics.  His language in particular is a challenge, since his prose is technically, well, perfect.

Yesterday, I had written a long non sequitur post about Easter and family and all that lovely stuff, but when I got home to Toronto this afternoon, I felt more like writing about dollars and cents.  So long story short, I had an amazing time at home with my family, who are all very proud about the National Post article.  I indulged in such basic activities as eating, sleeping, exercising, reading, and consequently I feel like a million bucks.  Not only that, but I’m ready to rumble.  I can hardly wait to sort out if I’ll be renting the condo this week so I can figure out if I’ll be decluttering like a fiend or not.  If I do get the condo, I’m going to be putting some design choices to the readers of my blog, for example, do I get a loft bed or a pull-out couch?

Moving on, my bank account right now is nicely fleshed out with my income tax return.  All together, I received close to $3800 back.  This is due to the fact that I can now write off some expenses, combined with my educational costs, my professional dues, my charitable giving, my RRSP contribution, and other deductibles like public transit passes and my rent.

Ideally, what I’d like to do with the money is apply the entirety of the amount towards my car loan and get it off of my shoulders.  Applying this amount would get it under $6000 (WOW – I’d really be able to pay it off by Christmas then).  The lovely Krystal Yee just paid off the entirety of her loan and feels great.  However, I instead added the tax return cash to my emergency fund, to help me pay my first and last month’s rent in the upcoming month, and also to assist me with any upcoming unexpected expenses.

I’m not out of the woods yet.  I’m feeling very (cautiously) optimistic about the upcoming months and my earning potential, but I also know that the unexpected can and will happen.  That’s why my reserves are so important to me right now; once I’ve achieved stability, I can start shifting things around again.

Once my car is paid off, I’d like to both save aggressively for my down payment and start investing in stocks.  I know this is a hot button issue for a lot of twenty and thirty-somethings.  Stocks are almost like this mystical presence in personal finance; elusive, tantalizing, and tricky.  To me, it seems like the Cave of Wonders, where inside lies treasure and freedom, but only a talented and educated investor can make it work, otherwise you’ll be swallowed up.  Aka, I want the CHALLENGE and RISK of trying something new with my finances.

I also need to rewrite my page I’ve entitled My Dream.  Ever since I realized that what I really want isn’t more stuff, but in fact less stuff to assist my transient lifestyle,  I’ve been feeling lighter, freer, happier, like my goals are more in line with who I am.  I don’t see myself living in a house for awhile now, since I want to maximize my time as a hip twenty-something and live in a condo in the downtown core.  I still will always love gardening, and the friendly/neighbourly feeling that living in a house provides, but I was rushing myself too quickly along the path of domesticity, and this bunny isn’t house trained yet.

I’m going to close with a photo of my family’s dog, Booker.  My mother is a teacher and a “Miss Frizzle-esque” one at that, and she designed this hat for school this past week.  This photo was accompanied by an email that read:

“Before disassembling my lovely millinery, I asked Booker to model my creation.  With some hesitation, he obliged.

If the lovely Kate Middleton, future Queen of England is interested, I will design a hat for her as well.”

Happy Easter!!!

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