$8335.09 Beginning EF Balance
+__10.00 Weekly Auto Deposit
$8345.09 New EF Balance
I spent $45.87 for two prescriptions yesterday, an antibiotic and one of my maintenance drugs. I have a UTI and I hate the world. That should probably improve by tomorrow. I did not need this right before we have to drive to Portland and back in two days time.
I am very excited to get our new rabbits, though. And to have 24 hours away from the kids. Even if we will have to stop at every rest area between here and Amity. *sighs*
Archive for February, 2014
$8335.09 Beginning EF Balance
This is way more exciting than watching the credit card go down was. And that was exciting. The mortgage hit and the grand total left to pay it off is $5,836.07. It is so close I can taste it. I mean, in an ideal world the house would sell before it is completely paid for, but part of me really wants to pay it off on our own. Not that I'd say no to a good offer if I got it, though!
Yesterday when I was doing my grocery shopping at the food co-op for produce, I still checked out the meat just in case there is something on sale. Yesterday I lucked out and they had a rack of lamb on sale because the sell or freeze by date was about to expire. It was $5 off so I ended up paying $19.03 for it. It was 1.44 pounds of local organic lamb. That still worked out to $12.50 a pound, but most conventionally raised rack of lamb imported from Australia is $15 a pound, so I felt I did pretty good.
We only get lamb a few times a year (maybe a total of 15 pounds a year) and rack of lamb maybe once a year. Since we ate dinner early and I knew we'd be having a late night, I had my daughter go ahead and cover it thickly in Herbs de Provence and put it in the crockpot with half a cup of water, cooking it on high for 4 hours. Oh, it came out so tender and delicious, as good as I've ever had it in a fancy restaurant. Actually, better.
The kids and I split it (DH is in Alaska) and had it as a late night (11 p.m.) dinner. It was perfect, just enough to keep going until midnight. I am glad I bought it. It was a little expensive, but it was within the grocery budget to splurge a bit and I don't splurge on much of anything.
Homemade pizza with pepperoni, rabbit sausage, onions, and bell pepper strips
Beef pot roast slow cooked in the crockpot
Mashed potatoes and gravy
Southern Fried Rabbit
Rabbit stir-fry with broccoli, cauliflower, carrots, celery, onions, ginger, garlic, bean sprouts
Homemade baked potato soup
Toasted ham and cheese sandwiches on homemade bread
Rabbit bacon cheeseburgers on homemade buns
Homemade French fries
$8235.09 Beginning EF Balance
+_100.00 Amount Added
$8335.09 Ending EF Balance
$400.00 Property Tax Fund
__19.00 Dues Fund
$200.00 Propane Fund
$100.00 Vacation Fund
$100.00 Appliance Fund
$167.00 January Money Fund 2015
$500.00 Moving Fund
$930.00 College Fund
$100.00 Aquaponics Fund
$100.00 Christmas Fund
2616.00 Total Money in Funds (Excluding EF)
$1000.00 to Mom
__144.00 Water/sewer Old House (2 months)
__600.00 Mortgage Old House
__100.00 Property Tax Fund
__100.00 Emergency Fund
___19.00 Dues Fund (HoA Old House)
___90.00 Physical Therapy
+_100.00 Cash for Week
$2153.00 Total Money Out
I've also got to pay the kids' allowances for the last two weeks and buy groceries. I don't need to get that much. Milk, potatoes, lettuce, kale, chard, parsley, salmon, cod or snapper depending on what is in, deli meat, turnips, maybe a winter squash, and cabbage. I think I want some pears, too, but it will depend on how they look. I still have some apples and oranges, a couple of bananas, and a very unusual for me out of season imported watermelon, so not doing bad on the fruit front.
I need to pick up some black oil sunflower seeds for sprouting with the barley fodder, for the rabbits and some new chew blocks to hang from their chew toys. I am glad they are refillable. I also need to pick up some locking hardware for the 2 outdoor rabbit hutches that never had it put on and two feed cups. I have plenty of extra water bottles. We will be using the outdoor hutches when we bring the new rabbits home. They will be in quarantine for 4 weeks before I put them in with the other rabbits to make sure they have no illnesses.
I am going to risk breeding Piper with the red buck after he settles in simply because I don't want to wait a month. I want our first batch of spring bunnies by the end of March/beginning of April. I will breed them outside in one of the rabbit tractors (movable pens) to minimize exposure.
Piper is our best doe so she'll be the odd one out. The others I will pair up so I am having two does having litters at the same time. When Kalia is old enough to breed she will be paired with Piper. Then when the two red doe kits grow up I will pair one with Piper and one with Kalia, because end game is to have two unrelated litters growing out at the same time so if someone wants breeding stock that is not related I will always have that option for selling.
Okay, that kind of went off on a tangent.
So I had another person come by tonight to buy a 9 week old rabbit buck kit for $15 as he had a litter of straight does and needs a buck for them when they get old enough. I put a blurb up on a local Facebook group yesterday and 2 hours later had been contacted by this person, and then last night another person made an appointment to come by on Saturday to look at them. The second person is interested in one or two, but was planning to look at some other rabbits, too. I don't know if she will buy or not, but if she does it is another $15 to $30 depending on one or two.
I am also going to look for a group who does raw meat diets for their pets and advertise there.
Between my sale last week of $60, and this coming one of $15, I'll have made $75 in less than a week. If I get 2 more youngsters sold, that will be $105. My New Zealand Reds that I am buying on the 1st will total $95. I like the idea that I could possibly pay for my new rabbits by sales of kits. Ignoring the fact that I am paying my son 1/3 of the rabbit profits because he does a huge amount of work when it comes to them and that I already have the money for the purchase budgeted. Most future money will go to pay for feed.
I also put up an advertisement for a breeding trio for $60 of some really sweet, friendly kits. If they sell, that'll be a nice boost. I ought to put up a thing on the bulletin board at the feed store, too, on Friday when I go to pick up more black oil sunflower seeds.
If I ever end up making enough money to pay for feed completely by selling rabbits, any profits will go into the Aquaponics Fund, followed by the Farm Fund. I'd have to sell at least $260 worth of rabbits every 2 months to pay for feed. That would be $180 for feed minus my son's percentage.
My son wants to start his own egg business when we move so he'll be saving some of his rabbit money for start up costs. I'll buy the brooder and incubator and egg fridge since I will want them for ducks and quail and meat chickens anyway, but he will pay for the laying chicks, feed, bedding, and egg cartons for his own business and I will collect a percentage of his profits because I know I will be helping him and also to cover the cost of constructing their housing if it isn't pre-existing. Probably 1/2 to start and when he's paid his portion drop it down to 20%. And if we don't get much in way of egg sales we can feed excess eggs to the pigs.
Back to the rabbits, I am thinking of selling Lola as well. I would like to have one more litter with her and pick out her biggest doe kit to keep. I haven't made my final decision. She is a good mother, but she is very standoffish, doesn't like to be taken out of her cage, which makes cleaning it difficult, and doesn't want it cleaned when she's in it even to the point of just removing soiled hay is upsetting to her.
Lola also isn't at weight for breed standard, so unless she gains just over half a pound (9 oz) she can't be put on a pedigree. She may do so. I know that Piper and Phoebe put on a little weight in their second year. She only turned one last week, four days after my birthday.
I don't know if she will ever reach breed standard though. She was a runt who we grew out an extra month and then we figured we'd see how she'd do if we grew her up a while longer, and the others were biggest of their litters. 3 months ago she only weighed 9 pounds, so I am hoping this break from having kits and the higher protein feed while I am improving her condition will put that extra bit of weight on her she needs.
We start breeding again the first week of March, but Lola will not be bred until mid-April. That gives her almost two months to gain those nine ounces.
DD is wanting to have a hand in the Aquaponics, in caring for the vegetables and maintaining a vegetable stand. I'm not so sure she wants to make it be her own business, but work more on a percentage basis. Even if she did want it to be her own business, I wouldn't, because it's my baby at this point and when we first start we will be providing the needs for our family first, our animals second, and only selling any surplus. I don't think there will likely be much the first year we do it. We will keep any fish we raise for our own use, too.
I think DH is going to have to build our aquaponics set up though. And the hoop house for it. The one full set up I really wanted to get, but the shipping adds almost $2500 to the cost, which was already pushing $5000. So, no, that is not going to happen. But I have found some pretty simple systems and I think that with a 150 gallon stock tank, a few water tubs, a water pump, an air stone, some plumbing bits, and some crushed rock, we could set up some media beds easy for way less money. Like $600 to $700 for a system that would grow half as much as the $5000 system. Even if I sprang for the special clay pebbles it'd still come in around $1200 or so.
I am looking at blue gill perch or trout for the fish because they tolerate our weather better and it is easier to get fingerlings in this area of those types. I'd like to do a relatively small system to start with maybe four grow beds and then expand from there. No point in building a really big system while we are still living here. Ultimately I'd like a 300 gallon stock tank for the fish and 128 square feet of growing space in the media beds. And then I'd like to build a second system after a year or two of growing. But 64 square feet is a good enough place to start. We might even just start with 32 square feet. We can always add on.
I would like to get a couple of solar panels and marine batteries to run the pump and power any additional lighting needed. I think I can use LED's so it would not take as much power. So that would be an additional expense. I know I can get a marine battery for $130 or so and a solar panel with mounting brackets and all the right bits for around $700.
Another thing I was thinking about was maybe not just growing fish for us, but growing minnows or guppies or something for the ducks we are going to get to eat. I'm not sure though. From what I remember guppies are filthy fish and they might overpower an aquaponics system with their waste. I am still very much in research mode here. But I do want to do something this spring, even if it is just a system with ornamental goldfish in it.
$8225.09 Beginning EF Balance
+__10.00 Weekly Auto Deposit Added
$8235.09 Ending EF Balance
I will be glad tomorrow when I can finally send $100 in. I like to see it jump a little more than $10 a week.
So I'm sure if you've all been paying attention by now, you know how much I think my insurance company sucks. If not, well, Premera sucks. I mean their website is so bad, that if you try to find a specialist dentist, like an oral surgeon, for, say, a root canal, it lists things like this:
Dentist--colon and rectal surgeon
Now I have long thought this company has its head up its colon, but I know that's not where I keep my teeth or where any dentist cares to visit. We had this same problem when we are trying to find an orthodontist. *sighs* DH will call them and make them find us an oral surgeon. Because I do think I am still looking at a root canal in the foreseeable future. Which is a whole other story.
Now, I had to fill some prescriptions and one of them goes on the deductible, the Crestor, because if there is one thing Premera is deathly afraid of it is paying for non-generic name brand drugs even if that is what your doctor thinks you should be on. So that makes the drug $185 for 30 pills, or $6.17 a pill. Ugh. But, the Walgreens pharmatech told me they have a discount card for that drug and he whipped it out in the hopes it would give me a reasonable price to pay. You want to know what that reasonable price was? $25! Not $25 off, but $25 total. So I walked out of the pharmacy paying a cool $40 for 3 prescriptions instead of $200.
He also told me that he would mark it in my file because it is an ongoing discount, not just a one time only. Yay! But to also always ask about it because they don't always pay attention to the little notes.
I was a little resentful when we had to switch over to using Walgreens, but today made up for all of it, except losing my long time pharmacist when our little locally owned pharmacy went belly-up.
Also I can use my rewards card at the pharmacy. I haven't figured out what the rewards points are for, but I am racking them up.
I also spent $29.51 on over the counter meds while I was there, too, and got a $2 off coupon for a brand of vitamins I buy.
I transferred money from my College/Tuition Fund to my regular checking account at the CU. It was $1170. So that will arrive on Thursday and we can then make the payment and start the process of getting DD enrolled at the online high school. Our choices were pay up front the $1170 or make a down payment of $45 and make monthly payments, but then the total would be $1445.
We will actually get some of the $1170 back when we see how many of her credits transfer. Most of them should as she was halfway through her senior year and was only a week or two into the second semester. Our out of pocket will likely be around $690, so we should get $480 of the payment back. It is just the fastest and easiest way to do things without having to pay interest at some point.
Currently this leaves $930 in the College/Tuition Fund. Fortunately this is the only payment we have to make until she starts college. The whole four year program is covered by the $1170, which is why we will be getting money back. Since all text books are online and everything is graded by computer is an extremely reasonable rate for an accredited school.
Since she plans to go on and do their accredited college program afterwards for her A.S., we can look forward to much more reasonable college costs as well. I believe it is $1040 a semester for college and that includes the texts. After that she would have to transfer to a brick and mortar university, so I don't know how much it will be, if she decides to go on. But we can save meanwhile.
This is going to be interesting. I just want to get her through high school with her mental health intact and have a diploma in her hands within a reasonable amount of time. That is my priority. The rest will happen when it happens.
So this morning I figured out that if I pay $680 a month on the mortgage it will be paid off this year. If I pay $2000 out of our income tax refund and pay $690 a month it will be paid off in October. This is assuming I make a payment March 1 as I don't expect to see the tax refund before the end of March.
We could actually pay off the entire mortgage with our tax refund and still have some left over. (Don't judge the big tax refund. We are getting it because of our HSA being maxed out this year.) Except I want to put $2000 into the college/tuition fund as well as pay $2000 on the mortgage. And put a substantial chunk of it into the Aquaponics Fund.
Does anyone know if a portion of high school tuition is deductible like college tuition is? I know we won't be able to deduct it until next year, but it would be good to know now. My daughter will be enrolling in an online high school to finish her senior year and we'll be paying between $690 and $1445 depending on how many credits transfer. I think 17 will transfer but they won't know until they get her transcript.
Also, can you deduct tuition or college expenses for more than one person or is it a set amount per year regardless of how many people in your family are going?
For anyone who has both a Capitol One 360 (formerly ING) savings and checking account. I know that when you make a deposit to savings the funds are not available for ten days. Is this true when you make a deposit to checking as well? Is this true if you transfer between your C1-360 savings into your C1-360 checking account? Is there a required balance in the checking account?
There are a few times a year when it would be easier to transfer saved money to a checking account there from my savings there and then make an online payment, but not if it is going to take longer than the 3 days it takes to send it to my main checking account at the CU.
$8205.19 Beginning Balance of EF
___10.00 2/6 Auto Deposit
+__10.00 2/13 Auto Deposit
$8225.19 Ending Balance of EF
The mortgage hit, or rather, I finally got around to checking whether the mortgage hit or not. I didn't send as much in this month, half of what I usually send since we're still recovering from the 4 weeks unpaid time off in January, but it's still going down. New balance is $6406.71.
It has been a difficult week here and we lost another animal, Sweetie Belle, one of our breeding doe rabbits died, so I haven't felt like posting or paying attention to finances until now. She had become one of my favorites and it just hurt to see her go from a thriving, beautiful girl to losing 4 pounds in 3 days, which is a lot for a rabbit that only weighed 10 pounds 6 ounces.
We have to make tough choices in farming and paying $145 just to get in the door at the vets before they even do anything for a $25 rabbit is just not going to happen. And they don't know anything about rabbits. These are dog and cat vets. Farm vets don't see small animals, either. Rabbits get caught in the no nothing zone it seems.
I know what was wrong with her and they couldn't have done anything about it. They could have given her intravenous fluids, but she still would have died. It just would have taken longer. We gave her medicine so she wasn't in discomfort and lots of attention. We gave her some parsley to try to entice her appetite, but even that she only ate a bit of.
I gave her water by syringe several times a day. But I knew what I was facing. You still have to try, though. I kept hoping I was wrong, but post mortem examination showed me she had an intestinal blockage. It happens in rabbits. We've had it once before with a kit.
We buried her in a place where the chickens couldn't dig her up and eat her. Even if we could have taken her to the raptor center for the recovering birds of prey (they won't take them if they have been treated with medicine), we wouldn't have. She was a working part of the farm, but she was also like a pet in that she was well loved in the short 10 months she was with us. She would have been one year old next month.
Every 2 to 3 months we go to Costco and do a big grocery shop. The only meat there we buy is chicken now that they have organic boneless skinless thighs and organic bone-in legs in family size portions. Today was that shopping trip. We pick and choose from items to get the good deals and ignore the bad ones.
Periodically I like to record what I buy and the prices and compare it year to year. I had a rebate coupon for $12.46 so I got that discount. Anyway this is that post.
2 cases of Charmin @ $20.99 per
2 pounds of sea salt @ $2.79
3 4 packs of butter (12 pounds) @ $8.99 per
3 quarts of organic coconut oil @ $22.99
Kitchen garbage bags @ $14.99
Family size 3 pack of Q-tips @ $8.99
2 half gallons of organic e.v. olive oil @ $14.99 per
Disposable razors @ $19.99
10 pounds of Krusteaz pancake mix @ $6.39
20 pounds of organic unbleached flour @ $12.49
2 10 pound bags of organic carrots @ $5.79
14 pack of pink lady organic apples @ $9.79
1 case of oranges @ $11.99
3 pack organic chicken drumsticks $12.42
3 pack organic boneless skinless chicken thighs $16.04
I've only got 2 things that I am brand loyal on anymore and that is Q-tips and Charmin toilet paper. All the other ear swabs bend when you use them. And Charmin is the only TP that does not cause an allergic reaction for my son and I. Otherwise, I don't care about brands at all.
The Krusteaz pancake mix is not strictly necessary, I could make them from scratch, but I also use it to make biscuits, which I could also make from scratch. However, I do like a few things in life to be a bit easier in the kitchen, DS eats pancakes almost every day, and Krusteaz is a brand that doesn't have ingredients that make my son sick, so we go with that.
The garbage bags and Q-tips should last for a year. The rest of the staples should last about 3 months, except the fruit which will get eaten in about a month to six weeks and I'll supplement it with what I have canned of fresh from the food co-op.
We also spent $22.49 on gas since it was $3.15 a gallon.
Oh, and the reason you don't see any sugar on that list is that I am still going through a 50 pound bag leftover from canning jam the summer of 2012. We don't eat a lot of it.
If it seems like a lot of rabbit meat for dinner this week it is. We've butchered a total of 14 in the last 2 weeks and the freezer is full and I'm going to can some, but we're also eating a couple this week. We didn't have time to grind any before DH heads back to Alaska tonight or we'd be able to fit that around the rest in the freezer. Fortunately we all love rabbit as long as we can eat it several different ways and not all one way day after day.
Rabbit Noodle Soup
Toasted gouda and apple sandwiches on homemade bread
Rabbit stir-fry with broccoli, cauliflower, carrots, celery, onion and garlic
Bacon rabbit burgers
Homemade steak fries
Beef pot roast
Mashed potatoes and gravy
DH emptied his wallet and added $13.62 in ones and coins to the coin jar. My daughter also traded me out a bunch of quarters in exchange for ones, so I am going to need to roll coins. I should have enough in there to make a deposit soon.
One of the problems with having the head cold that will not die is that I think my brain is functioning just fine, so I do things like math, and then it becomes clear about 24 to 48 hours later that my brain is not functioning just fine. *sighs*
I messed up on the budget. I forgot about the first of the month autopays. They equal $414. It is okay as I haven't mailed in one of the bills yet that isn't even due until the 15th, and that is $540, so I can wait until Friday to send it in. I just feel like a lamebrain. But at least it won't be a case of anything going into overdraft protection and costing me $13 per bounced check or $1 per amount moved from the savings account there, which is only $45 anyway.
I know I have a cushion, but it's not quite enough either. Just been so out of it. I try to stay on top of things and I think I am and then I'm not. Oh, well. The good thing is I caught it before it could have been bad.
DD went to the doctor today. Both ears and all four sinuses are infected. We will take DS to the doctor tomorrow. I should probably go, too, but our deductible has started over and between the 2 of them it's going to be $220 for the office visits. And DD's prescription was $40, so DS's will likely be that, too.
I can struggle on a while longer, my ears are fine and I can put up with the sinus stuff with using saline rinses, nasal spray and cold medicine. I am sleeping and I don't have a fever anymore or anything. I just wish it wasn't so expensive to go to the doctor.
Our deductible with our piece of garbage medical insurance is $5000, so I try to use the doctor sparingly, especially since I have to take so many prescriptions that aren't covered until we hit the deductible, either. It's basically like not having insurance at all unless you have a big surgery or hospital stay or something. Worthless for the most part except in case of catastrophe.
Please cross your fingers, toes, arms, legs, eyes, etc. for us that this person is serious about buying our house. They are looking for financing, so I certainly hope so. Couldn't hurt to throw a few prayers out there for us, too. This has been such a long process and I am so ready to be done with it. I know it could be even longer, but I can't help but have a wild hope that this will be it and we can finally get on with our lives and start seriously looking for our farm.
I can't wait to get out of here, yet at the same time I worry about Mom when we're gone. She fell yesterday but didn't bother to tell me until today. She hurt the knee she had replaced and its shaken her up a lot. Eldest Sister will still live nearby Mom and maybe even move in with her, so someone will be around, but Eldest Sister is kind of...self-involved about 70% of the time, so it may not be the best fit. I know Middle Sister will not do a thing to help. She never has. Self-absorbed would be an understatement for her.
We lost our oldest chicken today. Well, she died. She's not actually lost. That implies finding is possible. This was the last one from the first flock we raised. She was half pet/half livestock, so it was a little sad. But she'd been going downhill so I know it was for the best, poor girl.
Not much else going on. I screwed up my own knee again. Well, it is swollen and making me limp, but I don't know what I actually did, because there isn't one thing I can point to.
I also started a diet today. Well, I guess it was yesterday since it is after midnight now. DH bought a new scale and I didn't like the number on it at all. So back to eating better. Also I am off caffeine and have been for a week so that will help with all the water I had been retaining. I am basically confining high carbs to one meal a day and those carbs will be either fruit or veggies. Bread will be limited to twice a week. Other meals will be low carb veggies and protein. This is what works for me.
We cancelled our gym membership so I can't go swimming for exercise. I'm not sure what I'll do, but with my knee I can't do much, so the focus will have to be more on the food end of things. I am thinking about maybe going back to Curves when I get my strength back. It worked well for me. Our health insurance allows for us to get a discount at Curves. Hey, one good benefit from the world's worst medical insurance. Who'd a thunk it?
I really budgeted close to the penny this week, so we really, really need to stick to our meal plan. No eating out this week. At all. Besides eating out makes me sick anymore, like as not.
Beef Chuck pot roast
Mashed potatoes and gravy
Ground rabbit bacon burgers
Home canned green beans
Chicken Fajitas (chicken, peppers, onions)
Mexican Rice (home canned tomatoes, rice, spices)
$300.00 Property Tax Fund
$200.00 Propane Fund
$100.00 Vacation Fund
$100.00 Appliance Fund
__95.00 January 2015 Money Fund
$500.00 Moving Fund
2100.00 College Fund
$100.00 Aquaponics Fund
__72.00 Water/Sewer Fund
1000.00 Laptop Fund
$100.00 Christmas Fund
$4667.00 Total Funds Money
AMEX was higher than usual because of buying the food saver on that card. The MC DH accidentally charged on because he forgot the right card at home. I've restarted my Appliance Fund and my Vacation Fund after wiping them out to buy the new refrigerator. Everything else is business as usual.
I closed out the January budget and started the February one, though very little was marked off the February one, most was finishing up January's short term savings funds. But dollar wise most of it was for February.
$1500.00 to BoA VISA (DH's travel expenses)
__540.00 Mortgage (Old House)
__400.00 to Mom for her Utilities
__350.09 AMEX (in full)
___67.53 BoA MC (in full)
__100.00 College Fund
__100.00 Vacation Fund
__100.00 Moving Fund
__100.00 Christmas Fund
__100.00 Appliance Fund
__225.00 Monthly Chiropractic Plan
__100.00 Cash for Week
+__90.00 Physical Therapy
$3812.62 Total Money Out
Capitol One 360 added the interest for the month to my account. I put it in the Emergency Fund.
$8205.19 Beginning EF Balance
+___6.70 C1-360 Interest Added
$8211.89 Ending EF Balance