Category: Finances

  • So Long GFX, It’s Been Real

    Like the title says.

    Last week I got the M65 to FX adapter I needed to be able to adapt the Cinelux lenses to my Fujifilm X-S20. And the 37.5mm focuses like a dream now that I have the proper adapter.

    And, I played around some more with my Minolta lenses.

    And I got to thinking that I really missed that beautiful XF 50mm f1 lens I sold a little over 4 years ago to be able to afford the GFX 50S II camera to begin with. 

    And common sense began to really get the better of me in knowing that really it’s going to be quite some time before I can really afford to buy the XF 70-300mm lens that I really wanted to be able to do bird and other wildlife photography with the X-S20. 

    And since I could still make yummy portraits with the Cinelux lenses (that arguably have a better look), and since I could do 99% of the things I wanted with the X-S20, I started to question the wisdom of hanging onto the GFX camera knowing it had served faithfully for 4 years but was a heavy camera.

    And, I did some heavy comparison shots with both the Cinelux and the Minolta lenses.

    Turns out, if I up the denoise tool and the clarity and the sharpness and the shadows in Lightroom, there’s an awful lot of questions about which lens shot what with what camera.

    And so, the GFX went to KEH yesterday, and I came home with the XF 50mm f1, the 70-300mm that I wanted, and a little extra grocery money for the month. 

    The cat in the photo above is not our cat. This is a cat that belongs to some random unknown neighbor, a cat that has claimed our yard as its own when our dogs are not out in the yard to terrorize it. It’s outside in our yard a lot when I go out there or when I’m backing the car out of the driveway. Today it got to be a test subject since I couldn’t quickly spot any birds before the rain started.

    And, I won’t lie: I will miss the medium format camera. And I won’t lie even more because it’s true that I will miss the self-imposed “status” that came along with shooting medium format even if it was a status that only I recognized. APS-C just doesn’t have the same ring.

    But when 99% of the look I love is achievable with the camera that is more fun to shoot with…..there’s an awful lot to be said about that. Especially when it is far easier to achieve focus, especially when the focus is faster on the autofocus lenses, especially when the whole setup is smaller and lighter, and especially since I can dictate the direction of whatever business I may or may not have.

    And probably most importantly, especially when the itch to upgrade happens and it won’t cost another $4,000 or more to do so next time. 

    So, that’s been much of the labor of this week. Reining in is not easy, but sometimes it is necessary. I have been in a realism and a “buy it once” sort of mindset since Christmas, and it was time to realize that the tools I had in my photography arsenal were not exactly serving me as best they could. 

    Besides, that yummy jute purse I made and carry around is an awful lot lighter when it’s carrying around X Series gear than it was with the GFX stuff. And it’s a heavy purse to begin with. 

  • French Hair Pins, Glycerin Soap, and Bean Boots

    It’s been a couple of days’ worth of introspection.

    I do a lot of introspection and navel-gazing; it’s been my life’s work anyway to try to stabilize myself.

    Last February or March, I got a wild hair to use glycerin soap as shampoo and at the time, I used a Mixed Chicks leave-in conditioner that I found at Publix. I chose it because it was a relatively inexpensive leave-in conditioner. 

    As my mental health stabilized over the summer, I returned to products that I’d loved previously: My L’Oreal Pro Longer Conditioner occasionally, kept the Mixed Chicks, but returned to my cheap V05 shampoo alternating with my Trader Joe’s 3-in-1. 

    The fight with grease— and consumeristic (and brutally expensive and wasteful) beauty culture has been real. 

    Generally with the products I usually use, I cannot go a single day between washes. And my hair absolutely has got to be washed in the morning because it cannot withstand sleeping overnight to not be greasy in the morning even with a shower right before bed. 

    I know people think AI is evil incarnate. I am aware of this.

    What I also know is, I have used Gemini as a tool for self-care and random life-hack improvements for a little over a year.

    Last week I went into Ulta to see if I could buy another one of those Tangle Teezer brushes like J got me for Christmas. They were out, but they had these little french hair pins (well, the Ulta ones weren’t little) that intrigued me. My hair is getting to the length that I like to try to pull it up. I was aware that my hair isn’t quite long enough for the big ones yet, but I came home and found this on Amazon, and they arrived last night.

    So last night, I was poking around on Google and talking to Gemini about techniques to use them in my hair. 

    And that led me to talking about why in the world people don’t use these instead of the God-awful elastics that inevitably tear half my hair out and get lost and you have to buy a million of over a lifetime.

    And that led me to wondering how my grandparents and great-grandparents would have used to keep their hair clean. I was keenly aware that neither of my grandmothers struggled with the massive grease I did in their younger years, washing their hair only once a week often. My Mom’s mom did that in her elderly years even. I never knew Nannie to ever wash her hair more often than once a week and she went to the “beauty shop” to do so as long as she was physically able to, in fact, my whole life. 

    Turns out, apparently the glycerin soap I had experimented with last Spring was actually among the products that would have been used back in the day, before consumerism took over us all. 

    And last night before bed, I took a shower using glycerin soap all over including my hair, and I rinsed my hair using two teaspoons of vinegar in a cup of cool water, as Gemini instructed. 

    And having gotten a relaxing shower before bedtime, and feeling clean and not overly stripped of oils in my hair or skin, I woke up feeling fantastic. I didn’t need an alarm to wake up, I woke up rested, and I woke up ready to go straight out of the bed. I just washed my face, brushed my teeth, and got dressed and that was it. 

    And it remains to be seen how my hair will feel in the morning, but 24 hours later with having had my hair half-up most of the day, I can honestly say that my hair does not feel greasy. And more: apparently my natural hair, at least the underside of it that is exposed when it is half-up, when left to its own devices has this sort of wave to it that I tried desperately to get it to do with a curling iron for most of my teens and 20s and early 30s anyway. I just didn’t know it needed to not be stripped of its oils through consumeristic shampoos and conditioners. 

    I’m on a mission in 2026. I’ll be working through my guided journal, but also: I’m jumping off the consumer bandwagon as much as possible. Yes, hopefully it will save money. But I’m more interested in it saving my sanity.

    And if I can take my showers at night instead of in the morning, it will make sleep more relaxing which will make mood regulation better which will make life happier. 

    It didn’t exactly start with the hair pins…..it started with the hunt for boots since my beloved Aerosoles I have been wearing since February are falling apart.

    So 8-inch L.L. Bean Boots are on the way with the intention of them being my “forever” boots. 

    And the bronze metal French hair pins will last for as long as I have hair.

    And I am falling in love all over again with my 80mm GFX lens, which took this shot at Hobbs Farm tonight. 

    And for better or worse, the introspection and dialogue with Gemini about why so much of our culture resists a “buy it once” mentality led me to realize exactly how counter-cultural such a mentality really is.

    For instance: last March when I needed new glasses, I sent my old Warby Parker Holcomb glasses off through Costco to have new lenses put in them. I’ve worn them off and on all year.

    And instead of buying disposable soft contact lenses, I opted for rigid gas permeable contacts instead, because they would help me see better, I could more easily reuse them, and they were durable enough to last longer than a year. I now have two pair that I hope to have last at least 2.5 years.

    And when the flex spending rolls over, I am sending off my geometric Menin Zeelool (crazy) glasses through Costco to have my current prescription outfitted in them instead of buying new frames. 

    And while the Bean Boots are on the way, I did repair the Aerosoles and they’re likely not going anywhere for a good while. 

    But Gemini had a point: my great-grandmothers and my grandmothers in their youth would have purchased things that they knew would last, and would certainly not have gone shopping as “retail therapy.”

    That was not an option in the Great Depression for any of them. 

    And I am more fortunate and I do realize I have the luxury of introspection and the time to research into “buy it once” sorts of culture. And the education to sort out what really does need to be modern vs what, just maybe, people in the 1920s and 1930s did better than we do today, lifestyle-wise. 

    But dang it, I’m going to keep figuring it out. 

  • budget optimizations


    I have been on a rampage the last few months, trying to optimize our family budget as best we can.

    First, it started last May, when I closed my original photography business. I sold my second Fujifilm GF50sII body, and 4 of my GF lenses when I no longer needed them for business purposes. I did purchase a Fuji X-S20 with its kit lens so that I would have a second camera, but we still cleared a significant amount with the transactions.

    At the same time, I made a commitment, both internally to myself and also to my husband, to be entirely mindful of all of my spending. Historically, mindless spending when I am depressed or anxious has been a problem.

    Between May and September, that was the primary focus of my energy.

    In September, I decided we were done with the credit card rollercoaster. We’d previously had a personal loan that had a higher than optimal interest rate, at 11.25%, and we also had some minor credit card debt. We were offered and secured a different personal loan with a 7.99% interest rate, and rolled the minor credit card debt and the original personal loan into this 7.99% fixed personal loan.

    At some point in October or November, I called and asked about better deals for our internet only at home– we don’t have a home phone or cable service, we pay for internet only. I lowered our monthly bill from $79.99 to $65 and at the same time, I also secured us a better tier of service.

    Grocery-wise, we primarily shop at Aldi, Walmart, and Costco, with the bulk of our groceries coming from Costco. I have started paying attention to what is on sale weekly at Costco, and buying in bulk where it makes sense to do so. That has made a difference since I began doing this in October– last month we spent $400 less than the month prior, and we are on track to do the same thing this month as well.

    Then in early November, I started wondering if we could refinance our second mortgage…..its interest rate was secured when our credit was not as good, and its interest rate was 10.36%. At the same time, we had a home improvement loan for crawlspace encapsulation that was not only a 9.99% loan, it was a 15-year loan with 13.5 years left. So I looked around, and I found us a 7.625% second mortgage to roll the original second mortgage plus the home improvement loan into, and it is a 10-year term. We will save $14,000 over the life of the loan over what we were paying on the original two loans. (Our primary mortgage rate is 2.875% and thankfully the second mortgage is very minor by comparison).

    In deciding to open a new luxury photography business, I had to be extremely strategic in which expenses were non-negotiable. Ultimately, the LLC and occupational tax certificates were an “of course.” I also ensured my state sales and use tax certificate was put in place, and I re-opened a business checking account with Bluevine that has no monthly service fee at all. And finally, I secured a great deal on fairly comprehensive business insurance with Full Frame Insurance. The beautiful thing for my budget is that the photography gear I already had– and the fact that my primary Cinelux lens works on both of my existing cameras– is all I need to create beautiful luxury portraits.

    And finally, in this last week, I have managed to secure loyalty discounts and upgrades of 3 of the 4 phone devices in our household such that the upgrade cost us $174.30 in taxes, but I got upgrade and trade in fees waived, new devices included with payment of the plans, and payoff on my old phone all included. And with the loyalty discount in place that I was offered, our monthly phone bill for 4 lines will go down from $238 a month to $137 a month.

    So now, our highest interest rate on debt at all is 7.99% across all debt, and it truly does feel like our budget is as optimized as possible, given the circumstances we have created for ourselves.

    And as I make a renewed commitment to my artistic photography, all of this budget optimization frees up considerable brain space for concentration on what I truly love: my art.

    Read more about me here.

  • the plastic project

    ***This post contains an affiliate link.***

    The plastic-on-the-windows project is done. At least done enough, for now.

    Not really to my satisfaction really, but there’s nothing to be done about it.

    Liam’s windows still have shades on them (with sheers over the top just for my own edification really) because his window is the only one really on ground level. 

    To put plastic on Liam’s windows would mean I would have to cover the shades (the plastic goes on the window frame), which means Liam wouldn’t be able to peek behind them to see who was in the driveway, or if there was a weird noise outside. 

    Liam prefers to keep relying on his space heater when it gets really cold. 

    And Oliver just straight up doesn’t want plastic on his windows.

    And the dining room windows are complicated because the sheers are held on by a tension rod between the tops of the frames. So I couldn’t go to the top of the frame with the plastic.

    Porter’s room is a maybe later. But his room is in the middle of house and it’s typically the hottest room in the house anyway naturally. 

    And the kitchen is also a maybe, though that room doesn’t really get cold. 

    And so: the plastic is on the double doors in the living room, and the windows in our bedroom.

    Our bedroom is the coldest room in the house. Our room is above the almost-walk-in crawlspace/basement and I’ve been thinking about going to get some more roll insulation to put in the ceiling of the crawlspace/basement, between the joists. It’s a thought, though I haven’t talked to Jared about it yet.

    At the very least, the styrofoam tubing I shoved in the wider, disjointed gaps at the base of both double doors in the living room, along with the plastic sweeeps we put to block the air last winter, will help, in addition to the plastic on the window portions of the double doors. That was the biggest insulation worry, since I removed the heavy blackout drapes. 

    The goal really wasn’t to bring our energy bills down from what they already are. The goal was to prevent them from skyrocketing despite the very necessary aesthetic changes made to the windows in the house, for my mental health. 

    If anybody is interested in the plastic I bought, you can find it here. 

    It was the cheapest plastics solution I could find, though admittedly I dealt with an awful lot of waste. But the tape, despite the reviews, seem decent enough. And the hair dryer trick (waving the hair dryer briefly over the edges covering the tape) really does shrink wrap the plastic to the frame .

    And one thing I really was not prepared for was the mishaps: The first window I did, I didn’t know that I should keep the hair dryer to the edges by the tape, and I melted two holes that had to be patched. And the patching, while functional, takes away from the aesthetic. I really need to redo that window.

    Similarly, I hadn’t counted on the dogs seeing cats through the sheers outside and going berzerk. Trixie punched a hole in the bottom of the plastic in one of the doors in the living room, that had to be patched.

    At any rate, I am calling the project a success.

    You can read more about me here.