Christmas 2020 – a Season to Celebrate

Christmas wreath with Australian foliage | Christmas 2020 - a season to celebrate

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The air is rich with the smell of ginger and spices as I sit here furiously typing – Christmas is only four sleeps away. I have finally finished baking the gingerbread buttons. Fruit cakes are patiently soaking up more brandy. The fruit mince tarts are ready to be distributed.

Lest I paint you a picture of domestic bliss …. I must set the record straight 🙂

To be honest, I am always weary by the time December rolls around. Every year. My energy levels are at an all time low. And it seems like such a hard ask to sprint to the finish line now and end the year well.

But first, there is the ‘hurdle’ of Christmas to leap across …

I wish I can say that I am some well oiled machine and that I have Christmas preparations down to a tee. The truth is, I am a PROCRASTINATOR. I know I have to start planning early but I always leave it to the last minute. Every single year. And then scramble madly looking up recipes to shop for ingredients, precision planning as to when to bake what (scheduling before and after work times and weekends), agonising over the Christmas lunch menu … and so on.

This year is no different. Except that we are living in the midst of a pandemic and it’s just been a year of ‘unprecendented-ness’, ‘pivoting’, Zoom meetings / webinars, hand sanitising, mask wearing, moving from lockdown to hope to more lockdowns, curfew and uncertainty then hope again etc. It’s been such a roller coaster. And this is coming after the worst bush fires in Australia.

Quite frankly, I cannot wait to see the end of 2020.

After such a tumultuous year, I am so tempted to just bunker down and ignore Christmas altogether. Maybe I can sleep through it all and wake up to 2021.

But the truth is I love Christmas

I love the true meaning of Christmas, where we celebrate the joy of a Saviour’s birth and the hope that it generates. I grew up in the Catholic tradition and remember singing all the Christmas carols and hymns in a choir. It brings back a lot of happy memories of an innocent and simpler time in my youth.

Of all the years where hope and joy is needed, it is 2020.

Therefore I am choosing this year to celebrate Christmas, not just to get through it. I want to celebrate life and a milion things that I am grateful for.

I am grateful that I still have a job even though it has been one of the most stressful times in my working life. That is saying a lot as I’ve experienced my workplace being razed by a fire twenty years ago and more recently, experienced burnout.

I am grateful for family. And friends. And co workers who have worked hard this year, shoulder to shoulder, in the uncertain times of dealing with a deadly invisible enemy.

Because of the travel restrictions, my extended family cannot join us for Christmas from the UK but I am grateful that we are all healthy. And that we can still connect via Zoom. I am grateful for modern technology.

My little niece has been colouring in / making decorations for my Christmas tree for the last two years. It was awesome to compare notes on our progress this year with decorating our respective trees via Zoom. She was chuffed to see her decorations hanging on my tree. And I was thrilled for her to have her own tree for the first time ever.

Christmas Day will be less exciting this year without my little niece. without that childish joyful anticipation of good things. But I will still put on a Christmas lunch as is the tradition and cook my heart out.

 

I am not aiming to be perfect

I blame the commercials – you know, the ones about happy families with a beautifully decorated Christmas tree, unwrapping a mountain of the most gorgeously wrapped presents; smiling & laughing families around a table groaning with the most scrumptious looking food – a glistening turkey, shiny glazed ham, desserts to die for …

It places such unrealistic expectations on us to be perfect – the perfect cook, host, giver of gifts, interior designer. While I love the cooking and baking part, I don’t like the buying or wrapping of presents or decorating my house. And wanting to be perfect in all areas just set me up to fail.

It’s taken me many years to realise this – I don’t have to conform to others’ expectations of how Christmas is to be celebrated. I can be kind to myself at Christmas. But I also appreciate a balance between what makes me happy and what makes those closest to me happy.

The 5 Love Languages book cover

What is your love language?

I had an epiphany this year.

I read The 5 Love Languages (affiliate link) by Gary Chapman earlier in the year. According to Chapman, there are five ways in which we express and receive love – Words of Affirmation, Acts of Service, Receiving Gifts, Quality Time and Physical Touch. And each of us has a strong preference for one of these ways.

My epiphany is that my love language differs from that of my closest friends. I value acts of service more than any of the others ie I prefer to do something for someone I love rather than buying them a gift. In return, I also appreciate someone helping me out with an act of service rather than buying me a gift.

But my friends value gift giving much more. One of them spends ages debating what to get for whom, researching the best gift, do they already have this or maybe they prefer that.

Every year there is a conflict within me – I feel I have to reciprocate with the gift giving as I know I will receive gifts from them. But I procrastinate about the gift buying from my end and then it’s too late and I have to brave the crowds at the shopping centre just to get something.

Last year, I decided to give the gift of time ie I gave them vouchers for us to spend time together – one, a cooking course of her choice that we can do together and another, a local getaway we can do together. Well, what bad timing it was as ‘rona struck! Face to face cooking lessons were cancelled and we were in lockdowns which meant going away for a weekend was not an option. So I still owe them last year’s presents.

I am not brave enough to ask that we not exchange gifts. I tried saying that last year, only to be shushed and shut down. Since my epiphany, I have now accepted that I can’t expect them to express love in a different way or expect them to express love the same way as I do.

So I will respect that and give them a physical gift. And not be conflicted about it.

Plus at some stage of 2021, execute last year’s gifts.

My other favourite tradition at Christmas

Another tradition that I will not forgo is donating to various charities. As I am still earning an income, I can afford to donate money. I look forward to retiring one day, when I can donate my time, which is very difficult to do right now.

Foodbank and Kiva are my favourites but I will look for others at Christmas. Setting up a “Giving” sinking fund is how I manage my charitable giving. An automatic payment is deposited monthly (from my everyday account) and as it builds up, I donate it. Easy! This is one account that I don’t mind depleting.

Final Thoughts

Even though Christmas 2020 will look different to others in the recent past, I choose to celebrate it with my family and friends, upholding our usual traditions, instead of just getting through it. And I will respect my friends’ love languages as they differ from mine 🙂

I am looking forward to having a few days off to reflect on the year that was and look forward to 2021.

I wish all of you much joy and happiness this holiday season and that you will be able to spend it with your loved ones, be they far or near. Please know that I am grateful for your choosing to spend some of your precious time online with me in 2020.

Merry Christmas!

How are you celebrating this Christmas and holiday season?

#Awesome Blogger Award

Wow! What an unexpected surprise this is – to be nominated for the #Awesome Blogger Award by Fire and Wide, a UK blogger who achieved Financial Independence and Retired Early at 43. Thank you!

See how Fire and Wide answered her questions from Bella Wanana who nominated her, in her #Awesome Blogger Award post.

I confess I have never heard of this award but it seems a fun way of getting to know fellow bloggers.

Fire and Wide asked some pretty curly questions – I had to think quite hard for some of them!

So, let’s get to the questions and my answers:

1. What Do You Love Most About Blogging?

I have benefitted enormously from blogging – the clarity I get from writing, learning new skills (I am not tech savvy at all) and being disciplined (which I struggle with daily!).

But what I love MOST about blogging is the connection I’ve established with other people in the personal finance community, especially the ones who started our FI journey later in life. 

2. Absolute Fav. Blog Post Ever? (Not Your Own!)

When I first discovered FIRE blogs, I had never read a blog besides a recipe post. And I certainly had no concept of following someone. Sounds a bit stalker(ish), doesn’t it? Haha. Now I follow others and appreciate others following me.

Initially, all the FIRE blogs I read were written by young men who were, for want of a better word, very gung-ho about the concept. I wanted to read other perspectives, namely from someone other than a white male with an enormous income.

So when I discovered Meet The Women Of The Financial Independence Movement by Tread Lightly, Retire Early, I was ecstatic! Here was a community of women blogging about their FI journey and with whom I could relate to, even though the majority had started on their journey much earlier than I did.

Angela wrote it in response to a blog post in which the blogger cited one female blogger and replied to a comment that he didn’t know any other female finance bloggers. She came up with more than 100. And that was in January 2018. There are literally thousands now.

And as the movement has expanded across the world, there are also more non US centric blogs providing another point of view. I love reading all the different perspectives, strategies, eventual outcomes from people of all walks of life and from around the world.

3. Proudest Achievement With Your Blog?

The Late Starter to FI series – where I highlight ordinary people who started their financial independence journey later in life eg in their 40s, 50s and later. 

I was very surprised at the response – firstly from people who wanted to contribute and then from readers who reached out to tell me how much they love the series.

4. Best Advice For New Bloggers?

It can get overwhelming pretty fast. 

I know there is lots of advice on being consistent with a publishing schedule. My advice is ‘Go with the flow’ – often, life outside of blogging gets messy and our energy or focus must be directed elsewhere – to our families, jobs, other responsibilities. That’s ok.

I found that once I accepted that, blogging became much easier. While I would love to publish once a week, sometimes I just can’t. Yes, page views may suffer as a result. But as someone who has experienced burnout in my job, I don’t want to experience it with blogging.

5.What's Your Ambition For Your Blog?

I want my blog to be a place of support and encouragement, a place where we can connect with each other about our journeys to FI. And in particular, those of us who started late and feel the pressure to retire well (or at all) on a shorter timeline. 

I want others to know that it is not too late to start and there is a community to support you along the way. I may not be an expert but I can be your cheer leader. And I can share stories of others in the same boat, from whom we can be inspired and get ideas or strategies that we may be able to adapt to our own lives.

6. If You Could Live Anywhere In The World - Where & Why?

I live in Melbourne, Australia – the best city in the world, I reckon! 

I love travelling and exploring new destinations but when the plane lands at Tullamarine, I always think “It is good to be home and I wouldn’t want to live anywhere else.”

Melbourne has a soul – I don’t know how else to describe it. It is not a showy or glitzy city. You can wander through the city streets, in laneways that connect with one another, engage in its cafe culture (not at the moment!), take in a live show, visit the Art Gallery or run or walk along the river and various parks. Or go further afield in day trips to wineries, country markets, hikes.

And our weather is certainly not boring! We can experience brilliant sunshine, rain and hail, all in the one day 🙂

 

7. What Motivates You The Most?

Right now, my overarching goal is to achieve Financial Independence.

The fear of not being able to retire well is quite motivating. I don’t have a partner as a back up plan. And I most certainly do not want to be a burden on my extended family.

8. Most Valuable Life Lesson Learnt?

Time is precious.

My mum started having health problems at 60 and was eventually diagnosed with dementia in her early 70s.

This has taught me that life is not guaranteed. I must not defer things I want to do to ‘when I retire’. 

Being on the FI journey has reinforced this lesson – money and time is inextricably linked. I have to balance making and saving money with having time to enjoy the fruits of that labour.

9. What Do You Do Purely For Fun?

Baking or cooking.

I love FOOD. Full stop. 

Baking appeals to me more than cooking (yes, there is a difference) – baking is more of a science, following precise measurements although obviously there can be a lot of creativity involved.

I enjoy baking/cooking lessons – I started with lessons in Melbourne but then discovered a whole world out there and now try to do some while I’m travelling.

Lately, I’ve participated in live baking classes via Zoom. I may not make it to London this year but I feel a bit closer when I join a live baking class from Borough Market.

10. What's Your Best & Worst Quality?

My fiery temper! 

But that means when I care, I care deeply and with a lot passion! 

So that is my best and worst quality 🙂

Let's pass it on ...

Ok – that is enough about me!

So the next step is to nominate 5 bloggers and pass on the award / challenge. And ask them 10 questions of my own. I would like to pass the award on to the following bloggers whom I have enjoyed engaging with, learned from and found inspirational:

1. Frogdancer Jones

2. A Purple Life

3. Goat Dog Simple

4. Project Palm Tree

5. Handful of Thoughts

I hope you accept the award (challenge) and share a bit about yourself with the rest of us 🙂 Thank you in advance! 

Let me know once you’ve written your post and I will link them here. Then nominate another 5 bloggers if you wish and let them know.

My 10 questions for you are:

Questions about blogging:

1. Why did you start blogging?

2. What do you enjoy most about being a blogger?

3. What is the hardest part of blogging?

4. Has blogging led you to other paths that you did not expect? What are they?

5. Have you ever wanted to stop blogging? Why or why not?

Questions about you:

6. What does your perfect day look like?

7. Chocolate or cheese?

8. What is your dream holiday destination / scenario?

9. Who is your role model?

10. What would you advise your 12 year old self?

Final Thoughts

Hope you had fun reading my answers and have gotten to know me a bit better as a result! 

And thank you once again, Fire and Wide for nominating me!

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