The credit card trap

The clock strikes midnight and there is the end to Christmas 2019! Instantly every media area is full of Summer Sales, End of the Year Sales, the news is filled with that retail is concerned about the pre Christmas sales and not enough spending before so their hope is money will be spent at the sales. Credit card debt and personal debt in Australia is increasing rapidly. Yet when I go to second hand shops and tip shops I see so many incredible items with no wear some with tags still on, in great condition. I recently picked up a bed side light for $10. I needed one, but could not afford to buy any new that I had seen. This was a solid metal durable movable one. I had seen similar new for over $80.

I think I have mentioned previously I do not own a credit card. I learnt the hard way how credit cards can cause financial problems. I had one as I was looking at buying a house. I had previously had a personal loan for a car, and I assumed this would be enough to provide proof of my history for paying back the loan. I was knocked back for a mortgage as there was not a recent credit history!

I struggled to comprehend how this could be since I had no debts. Seemed the banks did not like that.

It was suggested I get a credit card, to establish a credit history. Sigh. So I did. I requested the lowest amount as my limit. $1000 AUD. Well the out come was I kind of got carried away with what I could now buy! I spent more money than I earned and before I knew it my balance was $1000. I paid it off $200 a month as I was paid monthly at that time.

Then Christmas was coming and I wanted to give friends and family great gifts. The balance on my credit card was about $500 at this point so I contacted the bank and requested an increase in the value of my line of credit. They put it up to $5000 it went to my head. Christmas coming and friends saying lets go for a holiday to Queensland. I was in spending heaven.

I listened to things my family and friends said they would like for Christmas and went and bought the dearest thing they mentioned. I want to make them so happy. I said yes to the trip and paid airfare accommodation on the credit card. I felt so excited. It was going to be a brilliant Christmas! I also had the trip to look forward to in mid January. I had no savings, and was just paying the minimum monthly payment on my card. I worked and bought take away food and coffees everyday. I also went out a lot socially dancing and eating out with friends. I was living the life.

Christmas came and my extravagant gifts were appreciated. I felt so good. I was now looking forward to our holiday.

On arriving home, I was so happy. I had had a lovely Christmas. One of my friends rang a night or two later and said lets go grab a meal. I said OK. Nice meal and we laughed and enjoyed being together. The bill came and I put my credit card on the table to pay my share and my friend put cash. The waiter took it away but a short time later came back and said I am sorry but your card has been declined. I was mortified. I walked over to use my debit card. Insufficient funds. Oh my there must be some mistake. My friend fortunately had enough cash to cover my share and I said I would pay her back as soon as possible. Which I did.

I paid a bit of the card to get it back under its limit but in not too long it was up again and I struggled to pay anything than the minimum payment off, I ended up paying a few dollars more to bring it back under the limit. I was still spending on it though.

I went to pay my electricity bill a couple of months later and my credit card was declined again. Not only that they informed me it had to be cut up! I was so embarrassed. As this was a final demand or my power would be cut off if the bill was not paid by that date.

On the way home I checked my bank balance $3.60 woah! (I would not be paid for two more weeks). That was all the money I had in the world! I was over $5000 in debt and my power was going to be cut off. I had some groceries and a bit of a pantry even back then. However if my power went off my fridge would not work nor my fully electric oven or the microwave or washing machine in my rental flat. I was very fortunate at this point in one way that my rent for the month was taken out the day my monthly pay went into my bank account.

I was going to be two weeks before I had any more money. The power went off on Friday afternoon, and I went all weekend with no power. I was so up set and shocked at my situation. I was going to a family dinner on the Saturday night, and realised I was going to have to tell them my situation.

I did and it was bad, I was so upset at myself and embarrassed, and neither parent would lend me any money as they thought is would be better that I really learn the lesson of living on what you earn! I was devastated as I really believed they would rescue me. I left early returning to my dark flat and cried angry tears at them for not helping me.

I ate some really weird food over the next two weeks. I had no social life, as I could not bring a plate, or go out to eat. Or even a coffee. It was work, home hand wash some clothes, work out what I could eat. Let me tell you cereal with water is not very nice. But it filled a empty stomach. I ate cold baked beans, and spaghetti no bread. I ate cold tinned soup mixed with water cold. I was incredibly fortunate I was renting a unit water still operated even with out my power.

When I finally got paid I had to pay a re connection fee and the bill.

The good news with this experience was I have never had a credit card again! I live quite OK with out. I only live on what I have and budgeting and shopping lists and my pantry have been the difference. I pay my bills when they come in. I don’t wait until the due date, as If I have some money in my account after my costs I pay some of it off the bill and when my next payment comes in I pay the rest. I will even pay extra on them.

Why on earth would anyone do that? It gives me some wiggle room. Now I am on a very low income I have to be very aware of when my big bills are due. My home and content insurance and my rates. I am very fortunate that my council has quarterly payments, as this year for the first time I am paying the quarterly but even then I pay more if I have it.

When my insurance is due, I usually do a few weeks of spending very little if I have not been able to budget enough fortnightly to save for it.

The most interesting thing is I don’t really recall the holiday I took, or what I purchased, the place I ate out or clothes I bought. I had fun and the friends I was so generous with are not in my life anymore. The regret I have is how much I spent and that I thought I could buy friendship. I regret extending the credit card beyond my financial income and needs. I still would have been able to go away on the holiday.

Did the credit card help me get a mortgage it must have because when I re applied for a mortgage I got it. What having a credit card did for me was to put me in a situation I never wanted to be in again.

I was really hurt and angry when no one in my family would rescue me. As it is this episode of tough love was the best thing they could have done for me in the long term. It changed my mentality.

I may live on a tight budget and am frugal. I still can afford to meet up for a coffee at a cafe (as I don’t let anyone into my home that is another post). I look at what I have. I am not against anybody going to the sales if they need something.

The things I am really thankful for are that I own my home out right, that I have no debt. If I was not in this situation when I had my breakdown and was so ill mentally I have no idea what would have happened to me. Even being in this situation I did have thoughts of suicide. I can not imagine what might have been if I in such a secure environment had these thoughts, how much harder it would be if I was paying a mortgage, or renting. I would have lost my home, not been able to afford to rent. I may be homeless living in my car not working. I know this is a situation for many people. I know I am so rich and fortunate. I have a good roof over my head. I have clean water to drink, I am content.

I don’t have children. So again this does make it easier in so many ways for me. I still believe that if you have a mortgage you need to be paying this off first and foremost. If you become ill or loose your job, how will you pay for it? Perhaps you have income insurance, great ..

I have spoken to a someone I know recently as we were talking about finances and she asked me how I could live with out a credit card. I said pretty easily really. Firstly even if you do pay you full amount off every month you still have to pay an annual fee for the privileged of having a credit card. She is also paying a mortgage. We chatted about how much a month she spends on her credit card it was a lot to me. She is on a good income. I asked her did she need what she spent on her credit card, or was it she wanted the things. She looked at me. I looked at her and said that is how I began to realise how to pay off my debts.

If you need something that is fine. If you want it, why do you want it. Look at how much you could save if you added that to your credit card debts/mortgage. (This is another post in the near future)
I said to her CUT UP YOUR CREDIT CARD! You can learn to live without it. Using cash brings you back in touch with the value of money. You take it out of your bank account…you have to hand the money to pay for the things you need or want. You begin to see where YOUR money is really going.

I am fortunate as on a benefit I have a bank account that I do not have any charges on. (Thank You Bendigo Bank, I get nothing for saying this). I pay cash for nearly everything.

Perhaps it is living in a rural town community, that makes a difference. If I don’t quite have the money to pay for the groceries on the day, and I hardly ever do this, but my local independent grocery store will let me pay it when I can, usually for me it is the next day. I also use local tyre company and they will let me pay off tyres (set of 4) I am also able to get an interest free loan up to $1000 through a government scheme. So there is a support there if I needed it. I have filled up my car and gone to pay, and not realised that my automatic payment for my internet was taken out leaving me less money(i know my dates now) and fortunately the guys at the petrol station no me, and I could pay them next week. I do not make a habit of not having enough money. I now check my balances and make sure that I have enough petrol to get me to my next payment date. though life can cause things to happen where petrol is required to be used that I have not budgeted for.

I do not have savings per say because extra money is usually earmarked for a bill in the future.

Perhaps the most important thing for me with my Complex PTSD is that I keep my stress as far as possible to a minimum. Being debt free has helped immensely with that. Learning to be content being at home has also been a saving bonus and a joyful thing. Part of my managing the many issues that my illness can cause me is minimising things that I may get anxious about. Distressed about, so knowing where my money has to go is the first step in my planning for the next 12 months. Anything that I can put in place to help me manage helps me to live in more contentment. Not having debts. Huge HUGE

Tazzie

January 16, 2020 6

Summer Time

Thanks everyone for kind thoughts after my we fall yesterday. No problems after a good sleep.

What a day, the smoke from the Victorian and NSW fires have made it across Bass Strait. It has been cloudy and hot so the smoke is sitting about. I went to Huonville today to get some bones for my guys. Huonville is the largest town in the valley.

I had made sure that the smoke was not from anywhere close even though we do still have fires in the north east of the state in the Fingal area. I checked the Tasmanian Fire Services website. It was interesting in town as quite a few folk were concerned we are all still reactive after our fires from last year. My heart aches for those on the mainland.

It was busy in town. I took the dogs to one of my favourite cafes for a coffee. Most in the area are dog friendly which is brilliant. I obviously was not the only person with that idea.

My guys saying hi to other cafe society Dogs.

It was so hot people were out by the river everywhere, it was great to see.

We headed home stopping for cherries! The cherries were late this season. They are so worth the wait!

Tazzie

January 15, 2020 4

Managing Life’s little accidents

My dogs were inside Busby had hurt his leg after all the activity from yesterday so no walk today. Toilet privileges only Miss Treacle is 12 and has not been that adverse to just lying in the sunshine and coming in and lying in the cool.

I decided that I would water the veggies, grabbed the hose, and spent a lovely hour watering and doing a bit of spot weeding. I am so thankful that my thingy on the end of my hose has an off switch so I don’t have to keep going back to turn the tap off and on. Every thing in the veggie garden is growing, some things better than others. So I am happy enough.

I decided to pick some more peaches. I was picking them and gently putting them into my T-shirt holding the hem up to form a bowl shape. I decided to move around to another part of the tree, and next thing I know I am on the ground. I am winded and more worried about the peaches than myself. I feel a wetness under my thigh, and move a squashed peach from under me. I ache and my foot hurts, I lay there on the ground surrounded by peaches and wiggle every bit of my body. Nope all OK. Oh I notice blood a small cut on my big toe.

i become more concerned about the peaches. So after about 10minutes of just laying on the ground feeling all sorts of things, I get up (yes all working) and rescue the peaches that have survived the fall. Most have. I guess tomorrow they will be bruised as I am sure I will be. I wonder if peach juice is good tonic for the skin? At least the animals tonight will not have to pull down the branches. Quite a few peaches fell off the trees.

I decided enough of being in the garden, and headed in side. I sat on my chair after putting peaches in a box, and my dogs came over excitedly. I moaned as I sat down, and began to feel nauseous. A little shock. I decided that I too along with my dogs would have a very chilled rest of the day.

I ended up heading up stairs to lay on the bed at about 16:00hours, and realised I am not as young as I think. I don’t bounce back as well. The interesting thing is we have all been sleeping and resting on the bed. All just recovering.
My shoulders and neck hurt and I have no real memory of hitting the ground. I guess I did not put my arms out as I was holding the t -shirt. I may feel stiff tomorrow but I am fine . I know I need to clean up around my garden. It is on the list…the very long list..I can laugh about it. I am not injured and I am fine.

So an early night of good sleep for us all and a better day tomorrow.

January 14, 2020 13

Thankful for…

I was up very early this morning and watched the sky fill with a soft pink as the sun rose. It was warming up rapidly. I made myself a coffee and remembered I needed to check that the birdbath was full. I looked and noticed it needed a top up. I saw a movement over near my peach tree. AHHAHHAH! caught the culprit!

My peach trees lower branches had been stripped of the leaves, and in the process peaches have been knocked off. Here it was stretched up on its hind legs as high as it could reach! I slowly moved and went back in to grab my camera. Hoping the culprit would be still nibbling away upon my return. Sadly it moved (I had a bright blue t shirt on so Im not surprised I was noticed), I was able to capture this little guy. I do not begrudge he or her a nibble and know the tree is older and stronger, the branches are not as easily broken. There are enough peaches to share. The birds and possums eat the fallen ones.

I was just getting ready to head in to town. I had to pick up a couple of things and I decided that I would take the dogs for a swim. I was inside and my dogs were out when I hear barking. The kind that says Hey we are protecting you from this very dangerous thing! There was something in the shrubbery on my driveway.

It was the echidna, baled up by both Busby and Miss Treacle. I moved them away, and watched as this wee guy left in quite a hurry. I do hope she/he had a trouble free day after we left.

I then noticed that this wee bird flew out of my car port light shade, there was a nest made in it last year. Though if they are nesting it seems very late. It is a sweet bird and I welcome it. I do find it hard when they are so nervous but understandable. Several neighbours in the area have cats that are allowed to roam and we also have an issue with feral cats. I am not happy about the fact the cats come over my way. When I see any or the dogs do, I happily let them chase them away.

A very full morning and it is not even 8:30 yet.

So we head off to do our walk. We got a bit waylaid(sadly I did not take my camera out of the car) our neighbour was throwing balls in their paddock for their two dogs to chase. Needless to say my guys had to join in. So we chatted as the dogs chased balls and played with each other. (Her dogs are a staffie kelpie, who is fixated on his own ball and his brother a boxer) Busby ran and got the ball and played with the boxer Miss Treacle said hello to everyone and then went and sat under the car in the shade. After about an hour I put Busby in the car (he was so hot he had drinks ) and Miss Treacle ran reluctantly ahead. Busby was whining to get out. So I gave in and they took off.

Dogs taken for their walk and a beautiful view from the hill.

Off too the beach! The folk festival has finished there are still lots of people and vehicles about. I discovered that an Aboriginal festival is happening for Monday and Tuesday Ballawinne Festival. Writer Bruce Pascoe book, Dark Emu Bruce was speaking tonight and tomorrow I am sure they will be very interesting event.

Dark Emu argues for a reconsideration of the ‘hunter-gatherer’ tag for pre-colonial Aboriginal Australians and attempts to rebut the colonial myths that have worked to justify dispossession. Accomplished author Bruce Pascoe provides compelling evidence from the diaries of early explorers that suggests that systems of food production and land management have been blatantly understated in modern retellings of early Aboriginal history, and that a new look at Australia’s past is required. http://www.magabala.com/products/dark-emu

Not that I could afford to go to it, yet it would be a very interesting event. I am sure I will know someone who has been. Well now that explains why there are so many people and vehicle still around.

OK no Seriously we are off to the beach NOW,
It was such a glorious hot day 32dC there were people and dogs at the little beach I went to. So Busby and Miss Treacle had a lovely time. Though neither were that excited to go in for a swim.

These two came up and wanted to play Busby loved it Miss Treacle was quite her own dog and chose to watch from the shade.

The following selection of photos shows what a great day it was, and how clean the water is. It is also showing my reluctant boy attempting to fetch a stick. I was quite mortified at his reluctance.
I did have to apologise to him when I went in to swim a bit later as there were two areas of like quicksand in the shallows. I sank up to my knees and struggled to get out. So no wonder my big boy had problems.

Miss Treacle does the beach her way today.

Whilst Busby would like to run with this guy in the water, but his day has been full of play runs and sunshine, I was happy that he did not join in, that he just watched in awe.

The dog in the water was so funny to watch he must be some kind of water dog. He just ran up and down in the water for so long while we stood watching. He just raced up and down having the time of his life.
His owner was not about but up at a car. The dog did not even stop to come and say hi to my guys. He was just in heaven in his own world.

He was no problem and boy did he make me smile and chuckle.

There were kids playing on the fallen tree. Swinging is not so much fun when the tide is going out. How wonderful to see them without a phone, taking photos or selfies. In fact no one (apart from me had any mobiles or cameras. How rare is that . All were in the moment enjoying the here and now. Using their brains to retain the feelings, the fun and all that will stay with them. That is what living is about.

Even I put my camera down and sat in the water, the waves coming over my thighs. Looking all about me and knowing how fortunate am I and how rich.
I went for a swim, so refreshing. I expected that Busby would join me, but no they both just sat in the shade. Not even watching me.

So much fun about floating on inflatable rings with a beer in your hand, sailing, canoeing, fishing, sitting in the sun, swimming, chasing each other or just kicking your paws up and making your own kind of fun!

Miss Treacle at 12 lets the youngsters carry on. Preferring to get to know other folk and tell them how abused and neglected she is. Here she just plonked her wet body (I had sat in the water with her on my lap…shoulders as she did not want to be in the water it was very shallow and cooled her down as she was very hot). on this lovely ladies mat. Leaning right against her. Knowing there is a wee 11 week old puppy there. Treacle loves puppies.

Poor pup was very anxious so I retrieved my girl, and my boy and we headed home. All that time in the sunshine fresh air and playtime. Dinner was early and they have both crashed, and I can hear only heavy breathing and snoring.

I too feel weary and very relaxed. I know I need to do more for myself in the way of exercise and things I enjoy. I was glad there were very few people at the beach. As otherwise I probably would have not stopped. I usually do not venture to this beach while school holidays are on, and there is still another 2 weeks before school resumes. Then the chances are it will be just us at the beach.
I do like that at least now I really do know what is best for me. I am listening to my self, and I talk to myself. I talk to my inner child. (another topic for another day) It all helps me to reduce the potential for being caught out by something that might trigger me. So a truely awesome day. What more can you want but wild animals feeling at home in your garden. A beautiful hot clear sky day. Pristine water and beach to swim at and hardy anyone on it. I am so thankful and appreciative of all I have especially my two companions.

blessings to you all Tazzie

January 13, 2020 5

A little day out

I was heading to Cygnet to catch up with a friend at the bakery. Great food and coffee. Wonderful croissants. Local fruit ice cream and sorbets so delicious made on the premises too. It was Friday, and the Cygnet Folk Festival would be starting in the afternoon. Yet the town was already busy as organisational stuff and food trucks, venues and staging were all happening all the place.
My friend and I enjoyed people watching. I had my dogs with me. They were petted and commented on by lots of people.

Red Velvet Lounge Vegetarian/Vegan cafe with banner

Folk Festival crew putting out recycling bins

Bakery (wood fired oven in curved bit, ) seating hay bales

Friday afternoon and the town and park getting busy

A walk around town was an interesting experience, even though the festival has not officially started there are lots of people about and some really strange things to see

Local volunteer fire fighter checking the fire

I am not really sure what the idea of this really is but as far as contraptions go it was quite exceptional. A piano that when played light flames and smokes. I might see it at night when I imagine it will be even more awesome. My friend is playing it and one of my neighbours (the fire fighter tshirt) is looking at it. (you can see joyfully for me rain clouds forming, not so good for the festival.

My dogs and I went down to a lovely dog friendly spot down on the bay, and Miss Treacle and Busby had fun racing about sniffing and marking, as I took some photos. I was sitting watching some swans and cranes landing. As well as the sun slowly sinking behind the hills.

The colours of the timber under the bark on this eucalyptus was eye catching in the sunlight

Normally a Reserve this area is full of campers and campervans for the festival weekend

As the dogs were running around I was listening to some music coming from across the bay. I could hear beating drums and a beautiful voice. Looking back towards town (photo above )you can see white amongst the trees, tents and campervans fill the reserve and sadly access is not permitted to the locals who walk through it ever day or go to take their kids to the play area for the weekend. Or to see the birds in the bird sanctuary. It is only one weekend a year I guess. People pay to camp here about $40 for the weekend three nights .

To the left you can see the white tents, these are for Glamping accommodation at the festival

Two photos below are looking down over the main st.

It is a pretty valley and the township is settled adjacent to a lovely bay. Mindy you being an Island it is not hard to have water near you.

The end to the day was a little similar to the beginning in that we came across another native critter on the road. This time a wallaby eating grass on the side of the road. I stopped to let it get away without any danger from my car.

It is less than three seconds it moved and got away. They can be so hard to avoid on our roads, which is why I try to travel at 40km p/h especially during dawn and dusk but also at night when they are about.

I do apologise for the quality of these photos in this post. I had to change them from a SLR camera setting to a JPEg and it seems to have made a huge difference to the shots.

I do find that in among a lot of noise and people something I once enjoyed, I no longer do. I find myself enjoying the periphery of things. After walking through Cygnet today and listening to the music and the noise, traffic and smells. I was needing to get away from it. So I was really chuffed that there was no one else down on the point where the dogs and I spent a lovely time. My CPTSD does impact me greatly sometimes. I know I am better than I have been in quite a long time. I do come home from this sort of thing exhausted and just basically spend the next 24 hours in a semi immobile state. Hard to explain to people who have not experienced it. I do feel sometimes, that it is the after effects of going out and being part of the world/community place I live, is often what stops me. My progress here is that I now know this. I now accept this is me and my life in the present time. Instead of pushing myself and doing the expected I dont anymore. That in itself is a wonderful difference. Knowing my limits, and retreating. One of my favourite things is saying I am content with the discontent.

Tazzie

January 11, 2020 7

Its not just echidnas, what if

Bennets wallaby near my house (c)Echidna Home 2019

This little guy just looked so happy chewing away. It was almost as if it posed for me. It is a Pademelon (Paddy melon) They only grow to about 60cm and weigh about 5kg (enough of the lessons).

I am so privileged to have them visit my place. I used to get annoyed when they would pull the fruit tree branches down and nibble the leaves breaking them, but the trees grew taller, and they couldn’t reach any more.

Kookaburra in my garden (c) Echidna Home 2019

I know it seems a bit surreal to me too. I really live with these guys about too.

I also have Eastern Barred Bandicoots, Quolls, and Tasmanian Devils around. Much harder to obtain photos of these guys I keep trying.

This Echidna was moving along the roadside near my home. (c)Echidna Home 2019

shuffling about under the watttles, looking for food. (c)Echidna Home 2019

My favourite remains the Echidna.

The echidna on the right was across the road from my driveway. They can actually move surprisingly fast.

A shuffling snuffling echidna on the hunt for food crossing through my wattle grove.

Close up of the quills. (c)Echinda Home 2019

Easy access to the next paddock. Through the fence. I am sure it is because it has smelt me or heard me as I try to capture its photo. sigh. I never want to frighten it. I was using a telephoto lens, I reckon it heard me moving about. It decided that heading through the fence was its only option.

If you look you can just make out this guys foot, it looks strange as it faces backwards. (c)Echidna Home 2019

As I have written before Echidnas are just amazing and unique mammals. I love th above photo as it shows how well their camouflage is. It looks like sunshine is hitting the grass but its the quills, and you can see its eye.

As I write this the horrific Mainland Bush Fires on the mainland of Australia and Kangaroo Island have cost so many Australian animals, insects bugs, it breaks my heart. I look at the wonderful wildlife that abounds my home and I cant imagine them all gone. The overwhelming knowledge that some may be gone forever. There are so many wonderful people who are out there working to find and help, the wild life carers, the firepeople and vets, farmers, those who are ensuring food and water are left and hoping to capture injured animals to help. The generosity of people all around the world, those that are making pouches and wraps..donated items food and are out gathering leaves and shoots for animals that have none in their locations. The baby wombats who have come out of burrows starving as mum has most likely been killed and not been back to the burrow. It is so so tragic. Of course my heart reaches out to all the people and communities impacted.

Tazzie

January 9, 2020 9

Joy

Today I found great joy in a very simple pleasure.

Picking first peaches of my tree.

Juicy, tasty delicious, simple pleasure, Joy.

January 7, 2020 9

Garden Update

(c)Echidna Home 2020 Bumble bee came to sit near me as I was weeding in one of my veggie beds

The bumble bees were certainly out in force this morning when the dogs and I decided to get out in the garden. A bit of weeding and checking if the veggie beds needed watering. At present they are all OK, a job for tomorrow I think in the morning. All the ollas have water still in them, and the soil is still damp when I push my finger in near the plants furthermost from the ollas.

As I settled in to weed the birds that come to my birdbath and live in the garden and surrounding area, were singing, and chasing bugs. I watched mesmerised as the Weclome swallows swooped and dove one scared Busby it flew right over his head. The wrens were hoping about and sitting on the fence waiting for me to move so they could come and see what I had been doing and check for any tidbits I might have uncovered. Unlike the black birds who just come along mainly after I water and shift all my mulch and labels about. I don’t think I really mind. Lovely to have the music of nature as an accompaniment to your work.

(c)Echidna Home 2020 Another bumble bee on a leek flower.

I had placed news paper down and was going to lay my free wood chips from the company clearing the power lines. So there is a wonderful mix of all sorts of timber, leaves, bark, chopped up in it. Like many things for me if I really do not focus on something, I do some and get distracted there bye not completing the whole job. So the news papers I laid down to cover the weeds and grass has blown about in the wind we had yesterday afternoon and last night. I am not going to fret about it as I will be able to get more newspapers from my local library to lay down and cover to form paths.

(c)Echidna Home 2020 Three sisters bed is taking off finally.

I am so thrilled that the Three sisters bed is taking off. I actually picked a bean and ate it. It was a bit of impulse that I should have refrained from as it was very small and well a day or two longer and it would have been great.

(c)Echidna Home 2020 oh joy the corn, beans and pumpkins are looking great.

Everything seems to be happy with the weather. I had to add some more climbing bean strings as there are so many tendrils they were all entangling themselves along the ground. I sat and sorted them out, winding them up the strings. The corn is growing but it seems somewhat slowly. Any ideas how I can get it taller My pumpkins which are butternuts have begun spreading. Yeah one bed of possibilities.

(c)Echidna Home 2020 Busby came to help out in the veggie garden by chasing the skinks about

Miss Treacle was off doing her own thing. Busby came in to see how he could help me in the veggie garden. He decided that chasing the skinks was the order of his work to help. As long as its skinks and not snakes all is fine. They are way too clever for him.

(c)Echidna Home 2020 Tomatoes the one in foreground has little tomatoes on it. Lettuces growing and capsicum far right corner getting taller.

Both the tomato plants in this bed are flowering and if you look closely you may even see some tiny green tomatoes. Lettuces good and capsicums look as if they just might shoot up. The marigold in the corner has taken off and is flowering. I put it in here to help with bringing in the bees and insects, to help with pollination.

(c)Echidna Home 2020 look closely you will see a tiny tomato or two

(c)Echidna Home 2020 I did not include the brassica bed last time.

I forgot on the previous update to show the brassica bed. It seems the cabbages have been eaten or turned up their toes. Not one out of the four I put in is to be found. The broccoli is shooting and getting tall. Even my nettting did not stop the cursed white caterpillar moth laying eggs on them. Since my garden is small I prefer to remove the caterpillars by hand. Kale in the far left corner and silver beet in the right corner I left them there to attract the moths. Ah but no!!

(c)Echidna Home 2020 destruction and can you see the culprit hanging below

My method for removing the caterpillars is to run my finger over every part of the plant, looking in every nook and cranny. Often as I am doing this I will see caterpillars drop and hang underneath as in the photo above. I just catch them and squish them in my fingers. I continue looking as not all will drop off. It can be really hard to see the little blighters.

(c)Echidna Home 2020 my hand with a young caterpillar from the white cabbage moth

Especially when they are first hatched. This one is pale yellow but as they grow from eating your lovely green leaves they become big green ones. They can be really hard to see on the green stems and leaves. Which is why I don’t just look but run my fingers over every leaf and into the new leaves forming, where ever a wee caterpillar might hide.

(c)Echidna Home 2020 This is a large rwhite cabbage moth caterpillar sadly about to meet its end.

This caterpillar above is larger than the previous one and is more green. We know why that is! So i squish them all. I then cover the plants with my net and fingers crossed I have removed all of these. I will check tomorrow.

(c)Echidna Home 2020 A stunning flower. No idea what it is

If anyone can tell me what this flower is and the plant it is growing on. I was sure it was a vegetable. I thought it was one of the plants I bought home from Crop Swap. Incredible flowers.

It was a pleasant morning in the garden. Miss Treacle came in and sat next to me panting, as if to say come on its too hot out here, I need a nice cool drink and comfy chair to lay in, in the cool inside of the house. She leaned right into me and that was not enough for her. Oh no she likes to make her point. She climbed up onto my lap, and than looked up with her big brown soulful eyes, and looked directly in my eyes. Whats a good dog mamma to do?

t(c)Echidna Home 2020elling me its time to go in way to hot now

The only thing. Inside we went. All three of us. I did a load of washing and hung it out. Such great drying weather. There is nothing I like more than having a shower and going to bed in fresh clean sheets dried by the sun. I hung all our doonas over the rails of the upstairs deck. I will feel so amazing hoping into the sun scented sheets. It makes me feel rich.

Tazzie

January 6, 2020 0

Good Communities.

I live out of town and you have a wonderful community of neighbours is a wonderful thing and you are fortunate that the communities in all the towns in the Huon Valley have a lovely community supporting each other in times of difficulties as we here experienced last year with fires. Unless you live in such places I do believe that it is extremely hard to imagine what it really means to the people who live there. I feel for the communities that have had fires wreck live buildings but know that for most the community will be what holds them together and what keeps many living in the areas and rebuilding home, business schools and their lives. It is hard not to write my blog and not write about what is happening to so many people on the mainland.

The problem with any disaster unless it impacts you, family, or friends, our lives go on. I look around and know that the only things that matter are my dogs and me. I worry about the animals, and plants. However I can not allow myself to remain at home and listen to the radio and watch the TV sharing the unprecedented horror. I have to look after myself. Or I will sink into that darker place of hopelessness and helplessness, where I held down in depression.

So I loaded up the dogs on this gorgeous blue sky day and we headed for the Cygnet Markets.

As mentioned in a previous post the town is being dressed up in preparation for the Cygnet Folk Festival next weekend. There seems to be a bit of a theme with the decorations this year. 2020 Vision Cygnet, View with Action Can Change the World.

the theme of this years display is 2020 Vision Cygnet ‘Vision with action can change the world

The dogs and I wanted to share more of this lovely small town with its shady park in the middle of the main st. It has a single street of shops that runs for about three blocks.

Langoona is an Aboriginal word that means swift. ( Yet it is also used in the somali language for fight.)the interesting things you find out with the internet. Of course it would be swift.

the garden at the side of one of the cafes with mandalas

The Cygnet Bakery wood fire sour dough breads and sweet things. looking pretty

The Cygnet Bakery wood fired sour dough breads several great varieties baked in a woodfire (the curved brick work is the over) also sells great croissants pastrys and doughnuts, salad rolls, pies sausage rolls, cakes. Coffee.

Out of focus over exposed, so why did I include it, i like it

There are many lovely roses about the town. With the Catholic church having a beautiful rose garden.

there are also real flowers about the place like this lovely rose

More creative work on the 20/20 vision theme outside a old home now a small artisans workplace and sales area at Balfour house Main Rd Cygnet.

Photos below are of an old bank building in the hear of Cygnet which had a managers residence above it. It is now a clothing shop a cafe dog friendly with delightful garden, a weaver who grows her own alpacca wool works in a studio out the back and their is a luxury B an B. all make up the Cygnet Old Bank.

It is a welcoming place, that has grown and evolved as more and more people are choosing to move here.

toilet block with flags in the park and a tree snug and colourful

Tazzie

January 5, 2020 7

Its a dogs life

My dogs are my constant companions. I can honestly say in my early days post my breakdown, if not for my dogs I would not be here. It was very different to after my partner died, I wanted to just dig a hole and lie in the ground to be close to him. Weird thing was he was cremated. At that time it was just about feeling close.

My dogs on the other hand needed me. They loved me unconditionally and comforted and kept me going. So I ensure that my god’s (dog backwards) are loved and have a good life.

Sometimes people I know will say they would like to me one my dogs.

We have not been away from the house for a week I have been pottering in the garden always find it is so phenomenal to plant a tiny seed and gain so much reward.

Busby was limping, and I have not been taking them for a run, instead just walks on leads. No playing with his dog neighbours either.

I think we were all feeling a wee bit excited to be out and about. Even if most importantly it was for groceries. It was warm and I took the dogs for a walk at Huonville, along the river front. Huonville is right on the banks of the Huon River.

A paddle in the water to cool the paws.  A long drink of water.  Neither were keen to go for a swim.  Partially as there were boat and the boat wash was a bit nerve racking.

Moving out of the water to watching the life of the river, well Busby is Miss Treacle is um I’m not sure what she is doing

Busby was watching the ducks swim by, and at the end a duck with two young ducklings came by. terrible photo but you can make them out.

We than went to Cygnet which is getting dolled up for the annual Cygnet Folk Festival next weekend. These beautiful crochet mandalas are stunning the wind was moving them to much to show them properly. A group of people crochet and Knit and decorate light posts, sign posts, the park, and shops with their great work. It creates quite a lot of interest and photo opportunities.