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Payday Report for 11/16/18 Plus Lots of Miscellany

November 16th, 2018 at 06:00 pm

Been a while since I felt well enough to do one of these, but things are improving with the rheumatoid arthritis this week after about three weeks in full inflamation mode and I am typing with relative ease again, which is why I've been posting this week at all.

We had some overtime this week, 10 hours. All of it went to DH's crown, because it turns out our dental insurance didn't cover any of it, even though it said it would when they did the preauthorization. DH is going to talk to HR at work, because the plan they say they have they don't. So that means we have to come up with another $700 or so out of pocket.

I was able to put $600 into the medical fund instead of the usual $400 this payday, but that means that all of that will have to go towards the crown. Fortunately with this deposit there is $961 in the medical fund. We won't have the breathing room I had hoped for, but we will be able to pay for the rest of the crown.

I have done the budget for December and I am including the extra paycheck for November 30th onto that budget and not the November budget, since it is paying for December things. So on 11/30 I can put $400 into the medical fund and on 12/14 I can put in $700, and on 12/28 I can put in $900.

DS has a sleep study on November 26th (at least if they don't reschedule again) and I am not sure how much that will cost us. The family deductible is $2000 and DD has met $1000 of it (her limit), and I know I have met some of it. I think maybe $500. I know DD has met her out of pocket max, but I think that has a per person as well as a per family, too.

So I don't know for sure whether or not we will have any money left for next year's deductible. That $1500 for the crown instead of $750 is blowing us out of the water. Plus DH wants to get new glasses. He's more than due. At least the vision is decent, but it'll still be around $200. He's getting cheap frames no matter what. Nothing fancy. He's already cost us too much medical money with that crown, even if half of it had been covered.

Here's what went out today:

$319.93 Tithe
_400.00 Grocery Envelope
_600.00 Medical Fund
__75.00 Household Envelope
_596.31 DH's Crown (plus additional from last payday)
__61.74 DH Life Insurance
__60.46 Me Life Insurance
_100.00 Blow Money Adults
_120.00 Allowances
_100.00 Clothing Envelope
_100.00 Christmas Envelope
_172.84 Computer Fund
----------------
3051.38 Total Money Out

DH purchased his new computer online today, so the computer fund is now wiped out. I'll start over in December, but I think at only at $50 a month. We were doing $100 because DH's was on it's last legs and it really felt like a race to the finish line on whether or not it would last until we had the money. His was five years old.

We all have newish computers now. Mine is the oldest at barely two years old and it is still in excellent shape, so there is no urgency to build the fund back up. Still, I want to have something going in there, and it is possible a phone could go and have to be replaced, though it is doubtful. I don't think any of them are a year old yet. Maybe mine. But it is serviceable. Who knows what the status of my computer will be in another year and having the money sitting there to replace it if it goes kaput is always the better option.

Payday Report for 10/5/18

October 5th, 2018 at 03:36 pm

I do have some money leftover after paying all the bills for this pay period, but I am going to try to hold onto it, because DD had to go to the ER last night for IV fluids. I may need it for medical expenses, since the Medical Fund, including what I am putting in today, is basically wiped out after DH's new crown. The 16th cannot come soon enough for DD. I just hope they find something and it is something that can be fixed during the procedures.

$268.72 Tithe
_500.00 October Utilities
_400.00 Grocery Envelope
_400.00 Medical Fund
__75.00 Household Envelope
_275.00 Monthly Chiropractor Family Plan
__91.91 Internet
__36.00 Garbage Envelope
__50.00 Car Maintenance Envelope
_100.00 Gas Money
_100.00 Car Insurance
_120.00 Allowances
-------------
2416.63 Total Money Out

Payday Report for 9/21/18

September 21st, 2018 at 02:22 pm

I did not go down to the last dollar this time. I have about $250 left in checking. There may be one more autopay yet to come through and then anything else I am holding on to for upcoming medical bills. DH was wrong about the last paycheck not having overtime on it. It had 10 hours. This one is a true representation of base pay with no OT and all of the various insurances and the 401K being taken out.

$268.77 Tithe
_400.00 Grocery Envelope
_400.00 Medical Fund
_100.00 Household Envelope
_352.30 Autopays
__56.83 Life Insurance DH
__45.30 Life Insurance Me
_100.00 Adults Blow Money
_120.00 Kid's Allowances
_100.00 Clothing Envelope
_100.00 Holiday Envelope
_100.00 Laptop Fund
---------
2232.31 Total Money Out

Payday Report for 9/7/18

September 7th, 2018 at 01:54 pm

This paycheck had the real numbers on it of what the base pay will be. No overtime. So after I get the next one I will know for sure how much income there is in a month. I am hoping they are splitting the insurances 50/50 and not taking it all out of one paycheck. If so, then we'll be bringing home more than I thought, but it still won't compare to all that overtime. Hopefully in October there will be OT again.

$319.93 Tithe
_500.00 Utilities
_400.00 Grocery Envelope
_400.00 Medical Fund
_100.00 Household Envelope
__91.91 Internet
__36.00 Garbage
_100.00 Car Insurance Fund
__50.00 Car Maintenance Envelope
_100.00 Gas Money Envelope
_120.00 Allowances
_325.89 Credit Card
_500.00 Monster Mom Loan
---------
3318.73 Total Money Out

Grocery Spending Tracking

August 14th, 2018 at 02:19 pm

So I did my two week shop on Saturday and while I did forget a couple of items like string cheese and butter, I am going to try to make do. I do have cheddar stick cheese, which I don't like as much as mozzarella string cheese, but I still like it so I'll cope. We have 1.5 lbs of Kerrygold butter in the fridge for 10 days. I usually go through 1 lb of butter in a week, so it'll cut close, but I think I can make it. If worst comes to worst I can break out the unsalted butter for baking or open a jar of ghee.

I have enough milk to get through the period. The sell by date was out 6 weeks, so I just went ahead and got what I thought I'd use instead of waiting a week to buy more. I also bought extra bread and put it in the fridge. If I don't have to go to the store at all until the next payday on the 24th, I will be quite pleased.

I use a calculator as I shop, so I know exactly how much I will be spending. When you are using cash envelopes and trying to stick to a budget you don't want to end up over your amount because you have no clue how much the stuff you are putting in your cart costs.

Here is what I got at Winco:

2 bags of crispy chicken strips
2 bags of French fries
1 large plain yogurt
1 bag of shredded mozzarella cheese
2 packs of bacon
4 ears of corn
1 3 lb bag of yellow onions
4 nectarines
2 packs of granola bars
1 pack of hamburger buns
2 packs of hot dog buns
3 value packs of chicken thighs
3 value packs of chicken wings
Dill
4 bags of original goldfish crackers
Spinach
2 20 count bags of hamburger patties

I spent $189.74 there. Then we went to Trader Joe's and got:

Bell peppers
2 bags of roasted potatoes
2 boxes of fish nuggets
1 iceberg lettuce
4 packages hot dogs
2 bags of pita bread
2 red onions
1 bag of shredded cabbage
2 mac and cheese frozen dinners
3 bags fettucine alfredo
3 bags chicken fettucine alfredo

I spent $89.08 there. Next was Safeway where I bought:

4 boxes of organic spaghetti
2 boxes of organic penne pasta
1 18 count of organic eggs
1 turkey chub
1 package of sirloin steaks
Cherries

I spent $40.01 there. The last stop was at Haggen who did not have any of the London Broil that was on special available. We picked up:

2.5 lbs of deluxe deli ham
2 large strawberry yogurts (Winco was out)
4 bags of ice
1 birthday cake
4 half gallons Milk

I can't find the receipt for that one, but I have $21.17 left out of the $400 budget for the 2 week shop. So if I really have to I can go buy butter, but I am going to try to wait it out. We may have to pick up Gatorade at some point, also.

I did do up a two week meal plan and we are sticking to it. I should probably post that separately.

Payday Report for 8/10/18 -- First 2 Week Paycheck

August 10th, 2018 at 03:33 pm

$407.46 Tithe
_500.00 Utilities
_400.00 Groceries
_400.00 Medical
__75.00 Household
_275.00 Monthly Chiropractic Family Plan
__91.91 Internet
__50.00 Car Maintenance Fund
_100.00 Gas Money
_110.00 Allowances
_743.12 Credit Card
1000.00 Monster Mom Loan
-------------
$4172.48 Total Money Out

Payday Report for 7/20/18

July 20th, 2018 at 06:39 pm

$201.95 Tithe
_200.00 Medical Fund
_200.00 Grocery Envelope
__50.00 Household Envelope
__45.00 Allowances
_441.41 Auto Payments
_100.00 Laptop Fund
__50.00 Car Maintenance Envelope
_600.00 Monster Mom Loan
------------
$1888.36 Total Money Out

I did not budget all of the money out this time as there are a couple of things we need to purchase off of Amazon. I'll be using the debit card there for the first time. I'm not quite sure yet how much we will be spending, so I left plenty of room. After we buy our things, I will allocate what is left to another category.

The Medical Fund is currently sitting at almost $600. I want to get it to $2000 and then I will stop contributing $200 weekly deposits, though when it drops down below $2000 I will start them up again. I have a ways to go before I get there and of course I'm taking out any medical expenses as we go. $2000 is the amount the new deductible will be on the insurance that starts in September, so I'd like it available to us so we don't have to scramble when we start on deductible number three for the year.

Payday Report for 7/13/18

July 13th, 2018 at 02:21 pm

My daughter and I are sorely in need of hair cuts, so I funded an envelope with that and it is sharing space with a new take out category. I took out $150 for both. I'm not sure how much the hair cuts are anymore, but we do go to a salon. We both have difficult hair and the cheap places just don't do it right. We compromise by going longer between cuts to account for the higher expense.

Whatever is left in there after the hair cuts will be what is available for take out. Everyone has been Jonesing for Polynesian food and I am too tired to make four different dishes. It won't become a habit as eating out all the time is what caused our budget to get all catywampus in the first place.

$201.95 Tithe
_200.00 Grocery Envelope
_200.00 Medical Fund
__50.00 Household Envelope
__91.91 Internet
_100.00 Gas Money
_100.00 Car Insurance Fund
__45.60 Garbage
__50.00 Allowances
_244.97 Citi
___5.75 BoA Visa
_500.00 Monster Mom Loan
_150.00 Haircuts and Take Out
------------
1940.18 Total Money Out

Payday Report for 7/6/18

July 6th, 2018 at 10:47 pm

$201.95 Tithe
_500.00 Utilities
_275.00 Chiropractor Monthly Family Plan
_200.00 Grocery Envelope
_200.00 Medical Fund
__50.00 Household Envelope
_500.00 Monster Mom Loan
__45.00 Allowances
------------
$1971.95 Total Money Out

Payday Report for 6/29/18

June 29th, 2018 at 06:55 pm

It is nice not to have to worry about money quite so hard with all the overtime. I am still being careful to assign every dollar a name, though. Even if that name is just cushion, as I am keeping one in the checking account. If the cushion gets too high, I will throw it at the Monster Mom Loan.

DH and I decided we could do $50 a month on allowances for our own blow money while he is earning so much OT. Starting next month that will be in one lump instead of separated, on the last payday of the month. I also upped the Household envelope to $50 a week instead of $25. I want to replace the bathroom faucet and get a different water filter for the kitchen. I hate our current water filter, it makes the kitchen faucet lower and I can't get some of my taller pots under it now. It'll have to wait until we go through all the cartridges, though.

I do want to get the bathroom faucet replaced ASAP. It is constantly putting out this black crud no matter how much we clean it and it also recently started growing something green under the central cap. Yuck. I've never had a bathroom faucet do this in my life. I was living with the black crud, but the green stuff is freaking me out. My mother picked the cheapest faucet for this bathroom. I'm going to spring for one that is a little more costly and made of chrome. Also it will be the American Standard brand, which I've never had these issues with. We might need to be replacing the showerhead in a couple of months as well.

$200.45 Tithe
_200.00 Grocery Envelope
_200.00 Medical Fund
__50.00 Kids' Allowances
__50.00 DH and My Allowances
__56.83 DH Life Insurance
__45.30 My Life Insurance
_100.00 Laptop Fund
__50.00 Household Envelope
1000.00 Monster Mom Loan
------------
1952.58 Total Money Out

Payday Report for 6/22/18

June 22nd, 2018 at 04:11 pm

We still haven't managed to get 100% away from the credit card, so there was a small payment today to bring the balance back to zero. We are getting better at it though. I meant to go into the credit union today to order debit cards for our checking account, but the parking lot was packed and I ended up just going through drive thru, which only had one car in the lane I chose.

I still have trouble standing for long periods of time. Walking is okay, but standing and waiting is very hard on my left knee and hip and my right ankle, so waiting in a long line inside is not appealing. Monday shouldn't be bad since it is not a payday for most of the town like today.

After I did the banking, I went and bought new glasses. I had put $500 into the medical fund and the glasses came to $460.80. I also paid the radiologist from DD's first ER visit. I know MIL said she would pay the medical bills for DD, but I think we can handle this one. That was out of the Medical Fund, not today's paycheck, though. There is now $203.66 left in the Medical Fund.

$200.50 Tithe
_600.00 Monster Mom Loan
_200.00 Grocery Envelope
_500.00 Medical Fund
__50.00 Household Envelope
__25.00 My Allowance
__25.00 DH's Allowance
__50.00 Animal Feed Envelope
__35.00 DS's Allowance
___5.00 DD's Allowance
_217.38 Citi
_141.37 Radiologist
-------------
1857.88

Grocery Spending Tracking

June 15th, 2018 at 09:42 pm

I made it to Trader Joe's and to Winco today. I still need to go to Costco tomorrow, but what I need to get there is minimal: toilet paper, butter, eggs, fettucine noodles, and chicken sliders. I still have $91 left in my grocery envelope, some of which is left from last week, and there is $69 in my household envelope. I do need to get one bag of duck feed tomorrow and then next Friday I need to purchase two more.

I spent $71.21 at Trader Joe's and this is what I bought:

2 bottle olive oil spray
3 jars Alfredo pasta sauce
4 cans tuna fish
2 boxes fish nuggets
2 Strawberry Walks into a Bar bars
4 packs uncured beef hot dogs
3 sweet yellow onions
2 bags shredded cabbage
4 bell peppers (1 red, 1 yellow, 1 orange, 1 green)
1 box peanut butter granola bars
1 lb yellow summer squash
1 container of garlic powder

Hot dog prices were up 60 cents a pack.

At Winco I spent $65.15 and I bought:

8 small Zoi greek yogurts
1 bag shredded sharp cheddar cheese
1 bag shredded medium cheddar cheese
7 Beef Nongshim noodles
6 Chicken Nongshim noodles
1 container shredded Parmesan cheese
1 package hamburger buns
1 container garlic salt
2 cucumbers
1 extra large bag of French fries
1 20 count pack of 1/4 pound hamburger patties
1 box of Zingers

Lots of cheese, but Winco has it $1.01 cheaper than anywhere else and I was low on those ones. We use a lot of cheese here.

Payday Report for 6/15/18

June 15th, 2018 at 01:15 pm

Household is low because I ended up having to order some stuff online on a credit card so used the Citi card for that. I took the amount I ordered out of the household budget because it was for a new dishwasher silverware rack (the old one has holes and things are falling through it) and a pair of XXL large cleaning cloves for DS, whose hands can't fit in any of the offerings available locally.

Then after I did that I went and looked and you can actually pay directly out of your checking account with Amazon. So I entered my information on that. I've disabled one-click check out as well, so that I always have to check to make sure which method of payment is coming up instead of blithely clicking.

I was able to make a small payment on the Monster Mom Loan and I started the Laptop Fund. It feels good to be making some sort of forward progress again instead of just holding on.

$181.48 Tithe
_441.41 Autopays
_200.00 Grocery Envelope
__19.00 Household
__37.00 Allowances
_200.00 Medical Fund
_150.00 Gas Money Envelope
__81.32 Car Insurance
_100.00 Laptop Fund
_250.00 Monster Mom Loan
_145.95 Citi (Should be done now, might have something else show up)
------------
1806.16 Total Money Out



Follow Up + Store + OT + New Sinking Funds

June 11th, 2018 at 02:55 pm

DD had her follow up this morning with the surgeon. I thought I was going to have to pay a $55 co-pay, but it was actually considered part of the cost of the surgery, so I didn't. Everything is healing well and DD is on track. He thinks the reason her body sent her to the ER the last time was that she was trying to do too much too soon.

I agree. I've made her stay in bed or in her computer chair for the most part in the last week and she hasn't had a return of those symptoms. If she wants to get up to talk to someone elsewhere then she has to sit down while talking and not just stand there. After another week has passed then she can start doing a little more. She's a bad rester, so I am having to be pretty strict about it.

She does get to walk the length of the house a couple of times a day for circulation, though. She's bored so I gave her my TBBT dvd's to watch. If she makes her way through the 10 seasons I have then I'll start her on Buffy, Angel, Charmed, Roswell, Lost, Farscape, or Fringe.

I did go to the store and pick up the oranges I forgot to buy on Friday and also some cherries that I impulse bought, but they were gorgeous. I bought less oranges so I could have the cherries, too. I still have enough money left to buy some Kerrygold butter, which DH will have to pick up on his way home from work since he goes right by Costco.

I had DH run the numbers for me and with the amount of overtime he worked last week, this week's paycheck will have an additional $590.83 give or take a penny. Most of that will go to the Monster Mom Loan, but I am going to put $100 of it aside to start funding a laptop fund. DH's laptop is giving him trouble and I'd like to have the money in place to replace it before it gives up the ghost. While we can do 18 months same as cash, that is still a debt and we don't want to do it that way anymore.

I'd also like to start funding a clothing envelope. DH needs new socks pretty soon. DS will need sweat pants in the fall and he still needs one more pair of regular pants then as well, since he only has 2 pairs of pants now and 1 pair of jeans that he doesn't like to wear. He's never been a jeans kid. So I will try to fund that up to $300 while DH has overtime available. I think I'll do $50 a week for that until it is funded, then switch to $50 a month.

I am considering whether or not I should try to start a Christmas Fund or not. While we have been paying back debt, Christmas has always been pretty limited, but I'm not sure I want to try to cash flow it at Christmas time or not. Maybe when I get the clothing fund funded I can switch to Christmas. I just really want to throw the majority of this at debt and get the Monster Mom Loan paid down as far as we can.

If DH gets 10 hours of OT a week through August we should be able to pay back $7000. If he gets the max, 15 hours a week, it'll be quite a bit more. I don't know if overtime will be available after that or not, but I certainly hope so. For example, if he has it through December we could pay off an additional $10,000, which would make our progress astronomical, cutting the debt almost in half. But there are no guarantees that it will last past August.

It really depends on which projects he ends up working on. Some have OT built into their budgets and others do not. Holiday weeks can throw things off as well. He will have enough paid time off to take off Independence Day, Labor Day, Thanksgiving, Christmas, and New Year's, but how that would affect overtime I'm not sure. He will likely just work on the 4th and Labor Day, though. We never do anything on those days, and the only thing we do at night on the 4th is take our chairs to the end of the driveway at 10:30 and watch the Blast Over the Bay fireworks show. We're still in bed by midnight.

So I guess I have two plans in place, one with OT and one without OT. And we'll just have to see how it all goes.

Payday Report for 6/8/18

June 9th, 2018 at 03:25 pm

After paying all of the bills and funds allotted to this week we have $60 left in checking. DH has finally got a working debit card, so now the medical checking account is working as intended. I am funding it to the tune of $200 a week and then any excess in that fund each month will be saved towards future big medical expenses.

The only thing not funded out of that is the chiropractor which has its own line on the budget. If DH does get hired on direct at some point, we'll be stuck paying COBRA for a while and have a new deductible, so I want a huge medical cushion. Plus, we need money in there for future surgeries we know are coming.

$122.47 Tithe
_200.00 Grocery Envelope
__50.00 Household Envelope
_275.00 Chiropractor Monthly Family Plan
_200.00 Medical Fund
__90.91 Internet
_100.00 Car Insurance Fund
__36.00 Allowances
__50.00 Car Maintenance Envelope
__36.00 Garbage Fund (paid every two months)
__25.00 DS's Driver's Permit Renewal
-------------
1186.38 Total Money Out

Grocery Spending Tracking

June 1st, 2018 at 05:49 pm

DS and I did the banking this morning and I funded my envelopes. I put $200 in the Grocery envelope and $50 in the Household envelope. I put $200 into the Medical checking account and took out $35 for DS's allowance. DD is not getting one as she is doing no chores while recovering from surgery.

After that DS and I went shopping. In the Household category I spent $19.54 on dishwasher soap. It was a very good sale. In the Grocery category I spent $159.66. I still need to buy tissues and body wash from the Household and yogurt and soup from the Grocery categories. I may get some butter, too, yet, but that depends on how fast we go through what we have. I am hoping to push the butter off another week.

Groceries I bought at Safeway:

4 Miracle Whip
2 lbs organic tomatoes
4 boxes organic spaghetti
2 boxes organic penne pasta
12 Chef Boyardee Mini-Ravioli
6 organic Nectarines
1 cantaloupe
2 Jif naturals creamy peanut butter
1 Justin's honey peanut butter (for DS)
4 organic ketchup
1 2 lb bag Mexi-Blend shredded cheese
2 potato bread
2 dynamite bread
1 Thousand Island dressing
4 jars Prego pasta sauce
3 1/2 gallons of milk

I spent $117.61 there. Almost everything I bought there was on sale. Only the milk, bread, and Jif peanut butter was full price.

What I bought at Haggen:

3 lbs organic grapes
1 organic cauliflower
5 lbs organic broccoli
1 bunch cilantro
1 yellow summer squash
1 container shredded Parmesan cheese

I spent $42.05 there. The only thing on sale was the grapes. The other items were cheaper at Haggen then at Safeway, though. Now I need to sit down and make up my meal plan.

Grocery and Household Planning

May 31st, 2018 at 02:16 pm

I went through my freezer to decide what kind of meats I want to build my meals around this pay period and checked on my levels of onions, potatoes, carrots, celery, and sweet potatoes (all still good), and then I sat down with my price book spreadsheet and the grocery ads and filled things in around what I already have plus any super sales for staples I want to get.

I wrote everything out on a master shopping list divided into different stores and I put the prices of everything down and added them up. I am under budget with enough left to get milk or bread if we run out later in the week.

Safeway is having a very good sale on Cascade dishwasher soap. I need some, but the sale is $5.49 each if you buy 4 or more, so I am going to go ahead and buy 4. I like having a stockpile and I have $12 left in the household budget, so with payday's $50 added, I'll have $62. I also need to buy my son's body wash and some Puffs tissues, likely a 6 pack. I went through a ton of tissues with this cold. How much body wash I buy will depend on the cost of the Puffs, but I would like to stock up a little.

With the extra $12 I can easily absorb the cost of the extra dishwasher soap into the Household envelope. Unlike with food, I have to account for sales tax of 8.7% in the Household budget. Next week I will be buying more toilet paper (I like to have 2 cases on hand) and deodorant. Something else may crop up, but so far the $50 a week seems to be covering it all.

Tracking our expenses so closely is making me feel an enormous amount of freedom. I know that we will meet all of our bills and have enough extra to pay some on the Monster Mom Loan. I don't feel nearly as overwhelmed now that I know where every dollar goes. I am looking forward to tomorrow when I can fund my envelopes. It is good to have focus again and realize there is a way out if we keep our eyes on our goals.

Finished the Budget for June

May 30th, 2018 at 05:24 pm

I have done a detailed budget for the month of June, breaking it down into four weekly budgets, assigning amounts to each week and making every dollar work for us. While doing that I kept coming up with extra money each week. I figured when I got to the last week it would zero out, but it didn't.

Turns out when I added up the four paychecks I must have made an error, because I had more money than we thought. I was off by $110, so that means I can actually bump the grocery budget to $200 a week instead of $175. I added the extra to the cushion category, which put that at $40.80 a month. I want to build a small cushion into the checking account.

I am really grateful to have found that mistake, because we have gone over $175 both weeks so far, but still stayed under $400 for the two weeks. I was really trying hard, too, but when you are feeding four adults, 2 of which are male and 1 of which has extreme dietary limitations, and trying to eat organic at least on the dirty dozen, turkey, and chicken, that extra $25 a week is going to make things a lot easier.

There are still a few things I can cut yet in the grocery budget, but because I was sick, didn't. For example, I bought 8 bags of chicken fried rice from TJ's at $2.99 a bag which is $23.92.

Normally I make chicken fried rice at home and I have all the ingredients for it. I do up about 16 cups worth of rice in the rice cooker and then add some coconut aminos, peas, carrots, corn, shredded meat of some sort, scrambled egg, ginger, and garlic and stir-fry it in a bit of chicken broth. I used to use sesame oil, but not anymore with DD's restrictions. Then I divide it into quart size freezer bags. It is a huge difference in cost. I can make up as much rice for about $8, a savings of about $16.

So I know I can balance stuff out a little better to come in under budget, I just have to get there and be well enough to do it. As soon as I feel good enough to make our bread and rolls from scratch again that will help, too. Convenience happens when I don't feel well, so as soon as I finish this cold I will do up my rice. Or maybe even tomorrow. I did a lot today, got caught up on dishes and halfway caught up on laundry and didn't have the energy to do more than just make dinner today. I do have to make up more pudding tonight, but that will be easy.

Tomorrow I have to make breakfast burritos for the freezer and I will at least make the rice in the cooker. It stir-fries best when it is a day old.

I am taking lots of breaks so I don't push myself too hard. I will go to bed early, too. I don't want to relapse just when I am starting to feel human again.

I am reading a new library book, "Slaying the Debt Dragon," by Cherie Lowe, and one of the things she recommends is naming your debts. They called theirs the dragon. I did this in the past when I called the credit card companies the Evil Empire and my whole goal then was to bring down the Evil Empire. But with just having the loan left to Mom that doesn't seem appropriate. She's not an empire. So I am dubbing it the Monster Mom Loan. Not to say my mother is a monster, just that the Mom Loan is. It tickles me and gives me just a little more focus. It's weird in my head, but I like it there.

Payday Report for 5/25/18

May 30th, 2018 at 12:24 pm

I had some money leftover from this paycheck but we ended up using it to go over on the grocery budget. I had to buy pudding and Jello and extra milk to make the pudding for DD for after her surgery. I didn't think about that ahead of time. The Jello and pudding were on sale for 99 cents a box if you bought four boxes. I'll get the hang of this, but it may take a few more weeks. There is about $30 left in checking.

I added the tithe for my Thrive commission check into the tithe from DH's paycheck so it is a little higher than usual. My commission check was close to $50.

$128.72 Tithe
__55.00 Co-pay eye doctor
_175.00 Sleep doctor
_175.00 Groceries
__50.00 Household
__81.00 Truck Tabs
_125.75 Van Tabs
__35.00 DS Allowance
__25.00 Blow Money Me
__25.00 Blow Money DH
_100.00 OTC Medications and Vitamins
_150.00 Gas Money
---------
$1125.47

Grocery Shopping And Sticking to the Budget

May 18th, 2018 at 07:29 pm

So I stuck successfully to my grocery list, with 2 exceptions. I bought a case of Nongshim noodles and 3 ears of corn. Everything else was on the list and I came in under budget. I spent $155.73, so I still have $19.27 left in my grocery envelope. I may buy 2 packages of the hot dogs DH likes still and even then I'd have enough left over if we run out of milk.

I bought mostly to fill in around the gaps of my meal plan and I think I will have some overrun into the next week with onions and potatoes, but I am not sure yet. We eat a lot of potatoes, but I usually only get two bags or six pounds a week. This week I got 15 pounds.

Here's what I got at Haggen:

1 pot with 2 cucumber plants in it (yes, this counts as food or at least future food)
Baby spinach
4 red onions
15 pounds of potatoes (red, gold, and russet)
2 yellow bell peppers
Radishes
2 1 lb chubs of breakfast sausage
3 pounds ground chicken
2 pounds ground turkey
2 1 lb jars Jif Natural peanut butter
1 1 lb jar Jason honey peanut butter
1 bag of ice

And what I got at Safeway:

2 1/2 gallons of milk
1 2 lb bag of sharp cheddar cheese (same price as a brick)
2 bottles of ketchup
2 potato breads
1 dynamite bread
1 Thousand Island dressing

And what I got at Winco:

1 case of Nongshim beef noodle soup
1 bottle of Mirin (rice wine for recipes)
1 quart strawberry Zoi yogurt
2 red bell peppers
2 orange bell peppers
2 green bell peppers
3 ears of corn
2 cucumbers

I feel really good about this. I didn't get much in the way of convenience items. The noodles are (but they are the only version I've found outside of Trader Joe's that don't have MSG in them). The shredded cheese is, but it was the same price as the brick. So I definitely have to cook, but I've been doing a lot better lately so that hasn't been a problem. And we haven't even been tempted to eat out, but then I haven't had an RA flare for a few weeks, either. Everyone prefers my cooking anyway, even the Chinese dishes, which I am getting better and better at every time I make them.

I am already planning my next shopping trip for next Friday. I will have to get a couple items from Costco, some seasonings, eggs, cheese, ground turkey, sausage patties, and possibly butter. I will very strictly stick to that list, because I will still have to get regular groceries that week. Costco can be a money suck if you aren't very, very careful. If I stay on top of this, I really think I can do it. It just requires planning, and if there is one thing that I am good at, it is planning.

Payday Report and DS's Plan for his Future Job

May 18th, 2018 at 12:52 pm

$1400.00 Citi Card
__82.13 Amex
_125.17
-----------
$1607.30

The paycheck plus what was left of the $1000 went towards finishing off the credit cards. AMEX is done and all auto pays have been transferred off it, so as soon as it clears I will be cutting up that card.

I will finish off the Citi card on next Friday and then it will only be used for the auto pays. We will take the credit cards out of our wallets. They can't be an option. Also next Friday I have car tabs due and a medical bill. There won't be a lot left over, enough to fund the grocery envelope and the household envelope. But then starting on the June 1st payday and continuing forward, we should be able to fund everything else with cash throughout the month.

Yesterday we opened a checking account for my son and then he set up his paypal account to hook into it, so he can now make online purchases directly out of his bank account and no one has to use a credit card. He needed a checking account anyway as he is going to get a job this summer and will need it for direct deposit. He's had a savings account since the year he was born.

He wants to read The Total Money Makeover after my husband is finished with it. He is very determined not to carry debt in his life except for possibly a mortgage. We've already talked about 10% of his income going into retirement from the start. He may not qualify for a 401K immediately, but he can do a Roth IRA until he does. He will also be saving 40% for college and 10% will go to tithing. Then he will need to put 20% into savings for a car and insurance and the remaining 20% will be what he can spend.

He wants to make a budget as soon as he gets his first paycheck, but before anything else he is going to save up $1000 for an emergency fund so he has it in place when he is able to afford a car. I guess we are rubbing off on him. Not so sure about our daughter. With her medical issues I despair of her ever being able to hold down a job.

Taking Steps to Move Back to the Envelope System

May 17th, 2018 at 04:41 pm

I went to the credit union today and took out $475 in cash to fund 3 of my envelopes. I put $175 into the groceries envelope, $50 into the household envelope, and $250 into the medical envelope. For medical I am going to start using an old checking account at a different credit union. I took the $250 there this afternoon, deposited it, ordered a box of checks, and ordered debit cards. They even had some pretty checks that were the same cost as plain ones. I chose an American flag with the bald eagle soaring in front of it. I didn't think my husband would fancy the butterflies. Big Grin So that took $16 out of the medical account right there, leaving a balance of $234.

I tend to write checks for medical except prescriptions. We have been using the credit card for that because we usually go through the drive-thru and it is easier than trying to write out a check on the steering wheel. So we will use the debit card for prescriptions once it arrives. That way DH can have a card, he usually picks up the medicine, and I will have the checkbook. That debit card will be used only for medical. It just makes it a little easier than playing with cash and not having a paper trail. I need a paper trail for medical if we need to deduct again.

I will be funding the medical account with $800 every month, with $200 coming out of each paycheck starting on June 1st. That should cover co-pays, prescriptions, and allow us to save for DD's surgeries. This does not include the amount for the chiropractor which is a monthly set amount for the entire family and I will just pay that out of regular checking. It has it's own budget category.

When the medical account reaches $1000 I will send any additional to the online bank and earmark it for medical on the spreadsheet. I'm not sure when they will let DD have her surgeries, not until her BMI is 40% however long that takes, so the extra will go to save up for that. But whenever the account drops below $1000 I will start adding money back into it. I am not sure how much we really need to set aside for medical. It varies so much in a month. This month alone has 6 co-pays, not to mention the numerous prescriptions.

Because we are switching over to mostly using cash and checks, I am not sure we will be able to make a payment on the loan to Mom until June 8th. I figure if I make the $500 payment towards the beginning of the month, then I will have to stick to the budget the rest of the month. If there is any extra at the end of the month of June I will tack it on to the July payment. If I treat it like a bill due the 2nd payday of the month, that should keep me on track.

I think I'm going to like this Gazelle intensity thing. Even if I can't do it 100% like Dave Ramsey, because we have to keep the EF at $6000 instead of $1000 for upcoming medical reasons, I am trying to focus in like we are. And really, we are. The EF is $1000, the medical fund is the rest of it. Once the surgeries are over than we can be fully doing it, but I don't know when that will be. I guess until then it will just have to be baby steps. Yeah, I saw it. Did it anyway.