Well, I dropped off the face of the Earth for a couple of weeks. I'm getting over walking pneumonia. Isn't that lovely? But I am feeling like a human again and starting to resume living.

We finally got all of our books for the virtual school week before last and are plowing full speed ahead with the homeschooling. The kids seem to be thriving and we are falling into a routine now.

The bathtub/shower remodel is almost done. It's done enough to use the bathtub anyway and I had my first long soak in three months last night! It was wonderful. I won't be able to use the shower part of it until DH comes back again and finishes securing it and then it needs to be caulked and then we still need to put the back wall on and paint it, but at least it's useable and there is still the other shower so it's not like we have nothing but a tub.

Okay, what else? Oh, I sent money to savings, to the EF fund.

$1211.96 old balance
150.00 deposit
+ 2.79 October interest
---------
$1365.75 new balance

And I transferred the $40 from the October coin jar savings to the Vacation Fund. It's moving along nicely.

$536.46 old balance
+ 40.00 deposit
--------
$576.46 new balance

$31.61 beginning amount
+09.74 deposit
-------
$41.35 ending balance

I had a bunch of ones in my purse today so I decided to go ahead and throw them in the coin jar when I cleaned out the change pouch. I also found a quarter and a dime on the floor of my room so added that in, too. I've met my new October change goal of $40 saved. I'm tempted to push for $50, but I'm not sure I'll be buying anything else in cash before next payday to make change with. All coin jar savings goes towards vacation costs.

$28.91 beginning balance
+02.70 deposit
-------
$31.61 ending balance

So I've officially met my goal of saving an extra $30 this month to put towards vacation. Since I still have a week left in the month of October, I'm going to up my goal to $40.

Today was payday and I paid the American Express card in full as I do every month. It is used for gas only. I also paid the car payment and the property taxes for the half year out of this paycheck. And the kids got their monthly allowances.

I will do a bit of grocery shopping on what is left and then figure if there is enough money to send the $150 deposit to ING or if I need to wait until next week. I still need to pay cable/internet/phone and garbage as well out of this check. Just have to sit down and write out the checks. Everything else was paid for online.

I took my son to the Doctor today and she is happy about the improvements in him since we changed his diet to one of no artificial anything. He's doing a lot better. Still a long way to go though.

Yesterday we filled up our gas tank at $2.89 a gallon at Costco. I really hope it keeps dropping like this. It's freeing up about $50 a month in the gas budget at the moment. It's only been a few months since I was paying nearly $4 per gallon. If this keeps up I'll be adding the difference left over each month to our vacation savings account. Which will make us reach our goal that much faster.

This is the first time that we'll be doing a fully cash vacation ever (not that we haven't tried, but we didn't fully succeed before) and I want there to be no reason at all to fall back on excess credit card spending, so I'm trying to save up 1/3 more money than I think we'll actually need. Anything left over will go to seed the next big vacation, which we'd like to be a trip to Italy in five years, but that may be a pipedream. We'll see.

I'm not saying we won't use our credit cards on this trip at all. They are convenient and we will, but we will keep track of every dime and not go over what we have in savings and then pay it back immediately when we get home. There's a big difference between using cards on vacation and abusing cards on vacation.

But so far, condo is paid for (free from Mom), airfare is paid for (free with airmiles), and we're saving now for food we will eat and the tickets to get into the theme park. I've got over $500 and aiming for about $1500.

Fortunately DH has hit that point in the year, for the first time ever, where they stop taking out FICA (I think it's FICA) tax. So for the next 12 weeks we'll be getting quite a bit of extra money in his paychecks. $800 will go the vacation fund, and $800 will go to the emergency fund. The rest will go on debt.

I know that I should probably put more on debt, but our repayment is going at a pace that I'm happy with and honestly we've never had this kind of freedom before, really. It's been nose to the grindstone for so long and this last year of ease has made it so much nicer.

In return for this, though, we've buckled down on all the excess spending, especially the eating out. We had gotten to a ridiculous amount of meals out each month. Probably around $400, going out twice a week or more. That is a lot of unnecessary and wasteful expense. Almost every meal is at home now, though.

Oh, I found a box full of stuff we were given at Christmas from our extended family. Most of it was that kind of stuff that you will never use and people just give you because they feel obligated to give you something, but it's never something useful. Anyway, tucked inside was $20 worth of McDonald's gift certificates. So that's two free meals out if we order off the dollar menu, that I can save for a couple of crazy town days and not be tempted to spend real money from the budget on.

Okay, guess that's about it then.

So we are slowly building our emergency fund back up. I met my primary goal of getting back up to $1000 last month. Now I'm setting a goal for $2000. I no longer do the $10 a week deposit, instead I now do $150 every four weeks and then if there is any little bits of extra money I'll send it along, too.

$1061.96 beginning balance
150.00 deposit
---------
$1211.96 ending balance

Only $788.04 to go. I reckon that'll take me five months to save up for, but I can do it.

Well, it's been a long time since I've done one of these, but I thought it'd be nice to get back to it again. All coin jar money will go for vacation savings. I will save all coin and throw in one dollar bills, too. When I was doing this before I was averaging about $30 to $40 a month.

$7.94 starting change
$3.20 amount added from purse
------
11.14 ending balance

It's hard to believe but it's been six months since my last entry. We're doing well here financially now and it's harder to blog when you have enough money it seems, than when you don't.

In the past year my husband's income has almost doubled. It made things get easy, but it also brought along with it some very bad habits that I want to stop. Because despite the extra income, we've only upped our debt repayment by a couple hundred dollars a month. And it's time to really buckle down and get going again. At least that's what I keep telling myself.

Thing is I don't really want to. I like having the extra money around. It's nice not to have to scrimp and save every little extra bit of cash that comes into my hands or funnel it all into debt repayment. But I know I need to, because I'm still tired of having all that debt hanging over our heads.

Our emergency fund is far lower than I want it to be at $1000. That's certainly not anywhere close to even a month's salary anymore. So I'm working on building that back up. And I'm starting to save up $1000 more for our vacation in February. I have $500 currently saved for it.

We're going to Disneyland. Our airfare is free from DH's miles. We're staying in my parent's travel condo for free, except for the $50 one time fee for end of stay cleaning. We're just needing to pay for the entry tickets, car rental for 2 days, and food while we're there. It has a full kitchen and there is a Costco close by so we will make and eat all of our breakfasts and one other meal a day and only have one meal out at the park each day.

The kids are saving up their allowances, birthday, and Christmas monies and will buy their own souvenirs.

As for the rest of our finances, we've raised our 401K 1% for the last two pay raises so it is now at 5%. On the next pay raise it'll be up to 6%, the full amount the company matches 50% of contributions on.

The mortgage on the house just went under $30,000 at $29,956.07. Our medical debt repayment is down to $142,623.81. Our unsecured debt is down to around $45,000. The website for that one is down at the moment so I don't have the exact numbers. So we've still managed to make significant progress. But there's so much more we could have made and I'd like to really get out from under this debt.

We can pay at least another $300 a month towards debt repayment that we are currently wasting on eating out. So that's my goal for now, to try to stop wasteful spending and put it onto debt.

We'll be cooking at home a lot more, but that's a good thing. Healthier, too. And it won't be so hard now, either. I just took my son out of public school and will be homeschooling him for the rest of third grade. He was being bullied pretty severely this year and it had totally turned his personality bitter and sad and he was behaving horribly. Two days at home and he's back to being the sweet kid he used to be back when school went well and he was popular.

I gave the school several weeks to sort this out but I just couldn't give them any more time. It was sucking the life out of my child and I couldn't bear it. The difference is like night and day. I wish I still had the curriculum from when I homeschooled my daughter for third grade, but I don't, so I'm starting all over again. I'll be spending about $300 to get started, but fortunately I have that money at the moment.

His math is above grade level but his reading is significantly behind. They don't really teach phonics at his school and it shows. So I'll be starting almost at the beginning with phonics for him but I saw what a difference it made when I did that for my daughter, so that'll be okay.

He's been bored out of his mind at school, too, insisting that they are teaching either "baby" stuff or stuff that his dad and I have already taught him about ages ago in science and history. I think we'll all be happier.

And my son loves to cook with me, so being able to save money by not eating out and cooking at home will be easier, because I'll have a helper in the kitchen and not a strung out child who wants nothing to do with me or anyone else, standing by my side.

My daughter, on the other hand, is thriving at the junior high. She's doing really well. It's funny because she's the one I was so worried about at the start of the school year. Life can be so unexpected sometimes.

I made it to the new Trader Joe's yesterday. It was nice to have so many choices in healthier foods, though I was kind of surprised how much they had in the way of junk food. So many cookies and candies and chocolate covered nuts, and candied dried fruit dipped in sugar. Organic junk food is still junk food and at least it wasn't made with corn syrup.

Still I managed to find $55.61 worth of stuff that we could eat. I tried their store brand milk and it's decent tasting, though I will probably stick with Organic Valley and buying it from Fred Meyer since its a dollar cheaper there.

Never made it to Costco, just didn't feel good enough. Mom took the kids for the weekend, I get them back Sunday noontime. I am spending a lot of time sleeping and a lot of time reading over at Teaspoon and writing some. I've told myself that if I write a chapter on something over there, I've got to come and write at least one blog entry on that same day.

Yesterday was payday so I sent $100 to ING. That brings my EF to $2004.87 and my goal of $2000 is now achieved. I need $600 more to meet my goal of 2 weeks wages. That will take a couple of months.

I've been ignoring my surveys lately, just haven't felt in the mood to answer a bunch of repetive questions. I suppose I should get back to it, as it does help the EF to grow bit by bit. Just kind of apathetic about it.

Part of the apathy has been being sick and part of it has been the onset of SADS with the fall overcast. Time to dig out my light box and start light therapy again. It always hits me very hard in the fall, but it seems like it always a couple weeks in before the light bulb clicks on and I realize what it is I need. I think there was a bad pun in there somewhere.

I need to sit down and do bills still today. I am just in a lazy lay around do absolutely nothing physical mood today. Other than emptying the dishwasher and doing a load of towels, that is. I suppose I ought to do more. The laundry won't take care of itself no matter how hard I wish for it.

Finally got a new car stereo installed today, that comes with CD player, MP3 player adapter and a place where you can plug in a flash drive and bought a S-cable to hook the computer up to the TV so we can watch streaming video on TV. Cost just under $250.

We went out to breakfast at Shari's, which was $27.30 and left a $6 tip (she did a really good job).

Also bought a gallon of milk and two bottles of nasal spray. Nasal spray is getting ridiculously expensive, it was almost $8 per bottle. And the milk was $3.59. Could be worse and often is.

While we were waiting for the car we walked over to the mall and looked around FYE and Walden Books. Didn't buy anything though I would have if they had the CD I wanted. I haven't bought my September CD yet and I'll have to order it online. I think its an important, so this may count as both my September and my Ocotober music purchase if its too pricey.

Today was also the day of the auto deposit to savings of $10, so I sent that off to ING.

$1891.33 Old EF Total
+ 10.00 Deposit
---------
$1901.33 New EF Total

Just $98.77 to go to hit $2000. Slow and steady wins the race. And I want to win.

So it is official, DH is working 28 days straight, then will come home for a week and then he may have to work an extra week again after that. But the two extra weeks are guaranteed now. So I won't see him until the 27th, when normally he would have been home today.

That will give us an extra $5250 net this month. I am planning on spending in this order:

$5250
- 700 car repair
-----
$4550
- 302 2 new twin mattresses for the kids
-----
$4248
- 400 new car music system
-----
$3848 to remaining credit card debt

I don't think it is going to cost $400 for the music system, though. The simple CD player/radio I want is around $100. I am allowing $300 for installation fee, but I don't think its anywhere near that. But whatever is left will go to the EF.

DH may very well get 2 or 3 more extra weeks between now and Christmas. There is a huge backlog of work due to the first guy quitting. So he is doing his own regular two weeks in the field engineer position and then in his extra weeks he is either training or helping with the backlog in his old position, but at his new rate of pay. Works for me. Especially if it means this card might be paid off by year's end and not with next years tax return. Sure would love that.

Today is another no spend day. I'm not going anywhere or buying anything. This makes 5 no spend days this month so far. That's over 50%, so not bad at all.

Today I have to balance the checking account. Yuck. My least favorite financial chore. I should also get around to listing all the bills I wrote out yesterday. If I don't procrastinate it. And I need to make up a weekly menu plan as well. So let's see if I can get all that accomplished today instead of being totally lazy and only doing laundry and dishes today.

I've been thinking a lot lately on the house I was raised in. I never ever thought we were rich growing up. My Dad was a mill worker and my mother was a teacher. Not exactly jobs that you would think of as wealth building. Yet, my parents saved a lot of money. They paid off their mortgage early, they had paid for cars, we always had meat at the dinner table, and I always had nice looking clothes (usually not namebrand unless I wanted to buy it myself) and nice things.

I remember how much more it seemed like my friends had than I did. Their houses were showcases, while ours was lived in. They had a lot of namebrand clothes and expensive toys and jewelry. And I realize now, their parents had a lot of debt. But they seldom had meals like we did. Their parents spending habits showed up in the food. There were a lot of meals of soup and sandwiches and rice and pasta. When my friends came over for dinner and saw steak on a weekday, how stunned they were.

As an adult I've discussed things with my old friends and know how true it was that their parents were in debt and also that they fought all the time over money. Meanwhile they were taking fancy vacations in rented RV's on a yearly basis. They always liked how calm my house was and how easy it was to be in and that there was space in it to breathe.

Space in it to breathe. Yes. There was. The house I grew up in has 7 bedrooms, 4 bathrooms, a living room, a rec. room, a family room, a full kitchen with seperate dining area, a half kitchen, a storage room, 3 finished built in storage crawl spaces. And a basement. On a half acre. Room to breathe and room to play.

I always thought we were poor because we didn't have "stuff." Now I know we were rich because we didn't have "stuff." My biggest memory of the big strike at my Dad's mill was my parents talking about how they were going to get through it. My mother had just retired from teaching the year before. But they had savings. And Mom went and got substitute teaching jobs and Dad pumped gas at night and walked the picket line during the day. And we got by fine. We always had meat on the table, still had nice clothes and toys and a nice house to live in. The only concession that had to be made was no soda pop or potato chips in the house for the nine months of the strike. That's what I remember. We were fine.

During this strike, I saw marriages dissolve, families break up, people borrowing money from the bank to get them through until the strike was over. It was just supposed to last a few weeks. So many people were unprepared. But not my parents and not my family. We were "rich" in what mattered. And we did quite well because of savings and the ability of my parents to work extra jobs.

I wonder how I lost that lesson so badly for so long along the way. Well, life happened, I suppose. But I get it, now with so much more life experience behind me than I had then. My parents never called it an emergency fund. It was just savings. But we had no downshift in our style of living in what was definitely the biggest use of an emergency fund I've ever seen.

That's why, one day I want to have at least six months of living expenses in my EF. Then on to a year. So that if something happens, we will go on just fine with breathing room. But first I am building the first month. That's where it all starts.

Yes, room to breathe. My friends knew how important it was before I hit my first decade. It was a lesson learned by me and forgotten. And remembered again. I want room to breathe.

So, DH and I had a long chat last night. And here is what we decided. We're going to take everything on all of the BoA/MBNA cards and put them onto the Clean Sweep program. That's roughly $33,000, but we'll have to take $35,000 it looks like, just for the way it is set up at increments of $10,000, $25,000, $35,000 or $50,000. We can, of course, immediately pay the extra back.

We will not put all of the CC debt on there though. The one BoA card that is nearly maxed out has an offer on it of 0% until June of 2008. So after we clear everything off the BoA/MBNA cards with the Clean Sweep, we will transfer what is on the Citi and Chase cards onto the BoA card. It will be nowhere near maxed out and it will give us a chance to really plow a lot of money into paying down the Clean Sweep as fast as possible.

We are hoping that we can get the Clean Sweep for less time than 60 months. We can pay it at least $1000 a month which would pay it off in less than 48 months. But again, I don't know if that option is something they will allow.

DH is going to call them when he gets a chance. Of course, the offer is in his name so he has to do it. But he's in the middle of training his replacement and working the new job he was promoted into, so things are a little crazy. Hopefully he can get to it soon, though.

My job is to take all the automatic payments that we have going to the BoA card off of it. There are only 2 things, one is my Curves membership and the other is something I didn't even realize we were still being charged for that needs to be cancelled completely. So I will transfer Curves to another card, the one card we manage to pay off monthly.

Some of you may wonder why I keep the Curves membership. It is extremely important for me to keep my health up and the resistance training there helps me to bolster my immune system. Almost dying a few years back has made this a priority for me. And it helps with my stress levels, also. Which can get very high with DH gone as much as he is. So it keeps me healthier and saves my sanity.

Now, I am just waiting for DH to shoot me the final net numbers on the new job so I can make up our new budget. When he gets some time to do it.

Today is a no spend day. I didn't even use gas today as we went nowhere. I like days like this, just laze around and do nothing days...okay, I did do dishes and cooked three meals, well, 2 since we warmed up fish and veggies leftover from lunch for dinner, and I pulled some weeds. But other than that...LOL

I forgot, I did do some laundry today as well, but most of the day was spent reading, writing, and I'll watch the two shows I taped Monday and Tuesday as well tonight while I fold laundry. Kyle XY and Eureka. I don't watch much, just that, Doctor Who and Torchwood, but the stuff I do watch I am fanatical about. Well, not fanatical really. Except for Doctor Who. But anyway...

I wrote eleven pages on my book today so I am happy and the next portion is clearly plotted out so I ought to be able to pound out a whole chapter or two this week.

My cold is still bothering me a bit, I am still getting dizzy if I move too fast or bend down to pick something up off the floor. The cough is mostly gone though. Still running a bit of a fever though and have the joint pain still, which seems to have settled in the inside of my hip sockets and behind my left knee, weird place for it. Well, compared to this time last week, its not much of anything, but its not feel good plow ahead conquer the world which is how I'd much rather be feeling at the moment. August is normally my best month of the year. But it is getting better and that is what I focus on.

I am putting off balancing my checkbook. That's the reason for the overly chatty moment here. Sigh. It's not that bad, I just really dislike doing it. Well, I suppose I best get to it.

Today I added $4 in ones and $1.20 in change to my change jar. I don't have enough coins to roll any one type just yet, but I do have $24 in ones now, so I will deposit that on Monday along with my two checks and send them off to ING to the EF. That will give me a deposit of $72.22, which will bring my balance in ING to $853.27. Just $146.73 to go to hit $1000.

Starting in September we will be contributing the $10 per week I've been doing all along to the EF, $100 every 4 weeks, and all survey money to the EF.

We will be starting a new car fund and contributing $500 a month.

And we will be paying an extra $1000 towards debt. That should still leave enough of the raise left to raise our food budget by $100, pay for the kids activities and get the current vehicles into shape by the time we are ready to buy our new vehicle. And we will be raising our 401K contribution by 1%.

There is a large rumor that Toyota will be releasing a Hybrid Sienna mini-van in 2008 and that is what we have wanted all along since they started introducing hybrids. It may not be until 2009, and who knows, Ford may beat them to it at the rate it is chugging along pushing out hybrids.

But that is what we are aiming for and I'd like to have somewhere between $5000 and $10,000 saved up for a downpayment just so our payments are reasonable. Any bonus money that comes along will go to the new car fund.

The only way I will consider buying a new car is buying a hybrid. Otherwise we would go used. And there just isn't a huge used hybrid market. And there are no mini-vans yet.

We have talked Prius as well, but that is only good for the four of us. If we ever want to take the kids places with their friends, its impossible with our current vehicles. T has to be in a car seat until age 8 by Washington state law and it is impossible to have two adults, two car seats and two ten/eleven year olds in either of our vehicles.

Now, why start in September instead of August? Well, August won't have a full paycycle at the new raise. We'll only have an extra $1000 this first paycycle and I'll be using it to fund some accounts. I used to have a budget that took so much for each item and saved it up until that item was due, but its been a long time since I actually followed that kind of budget.

Well, I want to again. So each month I will set aside money for medical, auto and house insurances, property tax, auto repair, house repair, and propane. There may be more, I'm not sure at the moment. Maybe an activities and vacation fund as well.

I'll divide the bi-yearly amounts up into monthly amounts and deposit those into a savings account for common expenses, and will have a spreadsheet to track what goes in which category. So that is where that first $1000 will go, seed money for some of these categories. It will get this plan up and rolling again and hopefully allow us to stay on top of the budget instead of swimming with our heads barely above water.

The only thing left for me to do now is to make the new budget spreadsheet and the new maintenance fund spreadsheet. That's easy enough.

I've had writer's block since the end of April. I really hit a wall with it, but last night it finally ended and I wrote five pages. It probably would have been more but it was late and I needed to go to sleep. But I've got lots of ideas now and I'm sure I can get another ten pages at least today.

Of course, I have to do yard work and harvest some food from the garden and add some compost around the cucumber vines and the kohlrabi and take the kids to the pool for an hour at least, so I probably won't get to it until after supper or possibly after the kids go to bed tonight. But at least I feel like I'll finish this book before the end of the year. Which is my goal.

Today is a much more manageable 75 degrees. Still a little hotter than I like but soooooo much better than yesterday's temp. The house is nice and cool from the fan's running all night and early morning. And I don't have to use the oven, so it won't get hot from that.

We aren't going anywhere today so it will be a no spend day. I do need to schedule some electronic payments to be made for next week, but I count those as made on the day they go through.

Shoot, I know there was something else I wanted to blog about today. Phooey. Well, it'll come to me eventually.

Today was my weekly transfer of $10 to my ING savings account. That brings the new total in my Emergency Fund to $596.05. $1000 does not seem so far away anymore. My long-term goal for now is the have $5000 in that account. Although maybe I should call that my short-term long-term goal. Because my long-term long-term goal is to have six months of living expenses and that's oh, way off, and $30,000.

For now I just hope to hit $1500 by the end of the year. I think we can do that. $250 will come from the weekly ten, so that leaves just an additional $650 to come up with. We have another $150 rebate coming, so that will make it $500 to come up with. Which is about $84 a month to come up with. I usually make $30 a month at the least on surveys, so that leaves $54 a month to save.

Well, that puts things in perspective. I sure can save an additional $54 a month, no problem. I'm glad I took the time to figure this out.

Well, I'm off to do my monthly Costco run. Not that much that I need there today, fluorescent light bulbs, sirloin patties for making hamburgers, and chicken pot pies because I've been promising the kids. Some lettuce, some fruit, and maybe some seafood if it looks good toay. I also need to put money on the gas card, so I probably will hit over $100 there. But definitely not for food.

I'll also make a brief run to Haggen to see if they have any kohlrabi in. I think it might be between seasons.

I'd like to make a stop at Lowe's to see what kind of veggie starts they have, maybe WalMart for the same reason. Depends on how crazy I want to make myself today. If Haggen has enough of what I want in their garden shop, then I might not bother with the other two places.

I'll try not to go hog wild and I won't be eating out today.

I wrote three more pages today. Really didn't want to stop but this is the last day I have to go shopping without the kids.

I've just been typing for the last hour and looked at the clock and realized, oops its after 1:00 a.m. So I'm taking a break from typing to do more...typing. Yeah, go figure.

But I busted through my writer's block tonight and have gone from page 97 to page 113. I was having a problem for about 2 weeks now. One of the characters was being difficult and didn't like the way she was being written.

I finally figured out that she was right and how to fix what was bugging us both, and 16 pages later I am rolling. Yes, I know, but you try living in my head with all these other characters and maybe you'll talk a little crazy, too. Ah, the life of a writer. I love it when the book starts writing itself.

Maybe I will finally get this book finished, and then published, and then...well, there's the next one half way done, too, just waiting. And its not nearly as difficult as the other one. I've always known where it was going.

And now, well, I probably ought to get some sleep, unless I can figure out a way to sleep and write at the same time. Nope, didn't think so.

Today was one of those days where you have a million things to accomplish and are lucky if you even accomplish one. I guess I count myself fortunate that I actually accomplished three things. Even if one of those things was simply emptying the dishwasher. Hey, it was on the list.

We also mostly finished up in Rose's room and took a bunch more stuff to storage as FIL was kind enough to bring his truck out and run DH in with the load. I've been buried in laundry from Rose's room. I don't even know what was dirty and what was clean and never put away. But she knows if I find one thing on the floor its confiscated. She has a her own laundry hamper and a closet she can easily hang things up in, plus a dresser with easy slide drawers. NO excuses whatsoever. If its on the floor it is gone!

I think its going to take me a couple of days to get caught up on laundry, sort out what is too small and needs to be handed down to her older cousin, who she is a head taller than, and what needs to be put away properly. Sigh. I swear I had just done this six months ago and it was nowhere near as bad. How one kid could be so messy is beyond me. I did take away her guitar for a month because I found it out of its case and on the floor.

I don't get where the messy gene is coming from. Even Tobias keeps his room neat most of the time and he's only seven. I think she has a packrat tendancy, maybe got that from MIL and FIL. I dunno.

Aside from that I did manage to get 2 book pages written today and will work on it some more tonight and 3 the day before. I also read book 2 of the Withern Rise trilogy, "Small Eternities" by Michael Lawrence and started the 3rd one, "The Underwood See." I liked the first book and so far the third book more than the second, the second was more of a bridge piece. Necessary, but the less exciting part of the story. Very interested to see how it will turn out.

Didn't really do anything in the financial arena other than balance the checkbook and it actually balanced, always a good. Okay, I guess I did get more than three things accomplished today. But the list still doesn't seem any shorter.

Spent some time online going over stuff with my friend I will be meeting in California at month's end. We are plotting our vacation to waste the least amount of time possible.

I guess that's about it, then.

Okay, so $15 co-pay for the doctor and my blood pressure is down to 114/80, so he decided to reduce my dosage from 40 MG to 20 MG, but make it one with a diuretic because I still seem to be swelling up way too much. And he gave me six weeks worth of samples. And a flu shot. My doctor gives flu shots in the spring and then again in the fall. He says they only really last 6 months without the booster. And he gives them in 2 doses, so I will get the booster dose in 2 weeks when I go back for the blood pressure check. He is good about combining appointments so that I don't have to make a seperate visit for every little thing.

He also sent me to the vampires, I mean the phlebotomist, for a blood draw to see if my throid might be underachieving. We do the test every couple of years because every single female in my family has an underactive thyroid. I have always been borderline normal. So that was another $15 co-pay.

I couldn't find any tops I liked or the CD I wanted so I decided to go to the bookstore. Like I'd find tops or CDs there, right? $61.82 later I decided I really should stay out of bookstores. I forget after about six months go by. But I'll have plenty of reading material to read on the plane for my trip. And at least I paid for them in cash.

So one of the new books I started reading today. I'm already 9 chapters in. Which isn't as much as it seems because the chapters are short and I'm only on page 49. So far so good, but a little weird. "It's called The Wave by Walter Mosley and I found it in the sci-fi section but it seems more like a supernatural fantasy to me. Maybe it was mishelved, or maybe because it didn't have a unicorn, a dragon or a vampire on the cover they assumed it was sci-fi.

Tomorrow I go in for another kidney test. I hope this will be the end of it. My kidneys haven't bothered me at all in two weeks, so I think it was just a long-term infection or I'd still be in pain. But everyone just wants to be sure. At least there are no tumors this time, so big yay in that department.

My goal for the month of April and these last few days of March is to get myself completely healthy for my vacation. I've done Disney sick and no thanks on that score. It ruins half the fun. So, I have to make sure I take my vitamins, do my one hour on the treadmill every other day and try to drag my sorry self back in to Curves. I always feel better when I exercise but its the starting it up again that is so hard to do. It also means not staying up past midnight writing, which is pretty hard sometimes when I get in the groove.

Today is a gorgeous sunny day. The creeks flooded 2 days ago after the deluge and there is still standing water everywhere. The main creeks is five feet across and normally it is down at least a foot from the bridge that goes over it. Now it is running with maybe an inch or two between the top of the water and the bottom of the bridge. And on either side of the creek there is water for a good 50 yards. I have never seen the creek flood this badly before, usually its maybe 20 feet on either side.

There is one house a mile down the road that has its driveway underwater and huge ponds on either side. Now the front part of their property tends to fill up but again, I have never seen it this bad. There were geese in it! Not just ducks. Really weird to see.

As far as I know, the river did not flood this time. Of course it may have further down up by Ferndale or Lynden when all the branches and tributaries have joined up on the last leg out to the bay. I know they were on flood watch. But I didn't see anything about it in the paper, so it may have just been the huge amount of runoff from the foothills as the snow melted and the rain hit hard.

I guess that about covers it for today. Or at least for this afternoon.

Well, today was Tobais' first day of T-ball practice and he did pretty good. I'm not sure the coach knows what he is doing, he's never coached before, but he seems to have a good raport with the kids, which is really the most important thing.

T had a good time and his little friend from down the road is on his team so he's happy about that. Of course, that means he has a bit of a penchant for goofing off. I think he's going to be the class clown type.

Spent a little money today at the convenience store, got some soup and some diet lemon/lime soda for Rose. I think she may have strep throat. Its got that smell to it, so I think we'll be going to the doctor tomorrow, which will be a $15 co-pay. She's had a fever for two days and can barely talk. She's going to miss her singing concert this week, which is too bad as we were both really looking forward to it.

I've been getting a ton of writing done. I've hit my goal for the year of 365 pages so I've stopped counting pages. It really helped me to get in the habit of writing daily. Now if I skip a day it seems wrong.

DH emailed me today and they're putting up the JVA at work this week for the new position. Which means they've got funding, so it should just be a matter of waiting a little bit longer now. I hope so. I've spent the last six months doing nothing but waiting or so it seems. I'm so tired of that.

I missed a couple of days of blogging but I have a good excuse, honest! In the past 3 days I have driven my husband to the airport, had my son turn seven and celebrate at two sets of grandparents' houses, took cupcakes to school, and a family only (the four of us) birthday dinner out at Billy McHale's restaurant.

I don't have any idea if Billy's is a chain or not. I know of two in Washington state. It is a wonderfully charming place. Full of old things, old signs, weird things, very retro. Like on one wall it has a sign for Glass Bottom Boat rides, an antique telephone, a two-handled lumberjack saw, and gas pump from the 1940's, an advertisement for canned meat, 10 cents a can, old neon gas station signs (of the eat here and get gas variety). It's just very unique and has a certain ambiance you can't get anywhere else. It sounds like it could be tacky, but its not.

Our table had a red light over it (there's a different colored bulb at each table, five or six different colors). But the piece de resistance is an elevated train that you can have Happy Birthday or Anniversary written on cardboard along with the person's name(s) and attatched to the flatbed cars and then it runs around the restaurant. Tobias was in heaven! He's beyond train happy. Plus he got a free dessert and the staff sang to him.

And if that wasn't enough to keep me busy, I went on a writing jag. I wrote 72 pages in three nights. I had insomnia on one of them and I got in that mode where the story starts writing itself. A lot of it, most of it actually is for the second book, not the first one, but I've got a lot of stuff thought out now and can go back to the first one. I am very happy with myself right now.

DH and I also went and tried out laptops. Well, I tried them out and he watched me. I typed on every single one they had on display at Best Buy. It was weird how different keyboards can feel when you are typing 70 words per minute. I settled on the one I liked the best, which turned out to be a $649 Toshiba, not top of the line, but Toshiba's a work horse. And the keyboard felt right to me. So I wrote down all the information and I'm going to save my plasma money for a new laptop when I get back from vacation.

The Toshiba laptop I have now is still functional but it is old. Its a Tecra 8000. It is very heavy, and I got it off e-bay for $150, but then had to spend another $150 because it didn't have a legitimate copy of Windows on it. It had been part of a network, so network software had been used. Not something that was revealed by the seller. But anyway, I've had it almost a year and its okay, but I don't like the size of the keys, they are a little small for my fingers, so cause some stumbling around. I also don't like the placement of the shift key next to the delete key, cause guess which one I hit too often?

I really like the layout of the other keyboard, the keys are a bit bigger and there is no awkwardness at all. DH is all for it. And he'll take over the one I'm using now, because his is really old, running Windows 95. Mine is Windows XP but only cause we upgraded it when we bought the legitimate software. So it isn't as ancient, but...the battery holds no charge and you can't get replacement ones and I would take my computer everywhere to write if I had a functional battery.

Half a dozen places around here offer free wireless access, and we're in the boonies.

Anywho, we made a decision about renting a storage facility for at least six months. We have way too much stuff in the house to ever get it organized so we are going to rent a 10X10 unit and use it to sort in and store until we know what we are getting rid of and what we are keeping. I am so sick of an overstuffed house, I want it to be clean and organized, which is hard when you are tripping over toys all the time. Left over from the affluenza days.

My niece gave me some clothes for Rose to try. She has to upgrade now that she is a teacher so a lot of stuff gets handed down. Rose is allergic to wool and in this bag were 3 wool sweaters that are part cashmere or part angora, one is Gap and the other two are Ralph Lauren. She said she didn't care what I did with them if they didn't fit Rose, so I am going to put them on e-bay. They are lighterweight sweaters, more spring sweaters than a winter ones and are in very good condition. There are also some pants that are cut too low for Rose and some jeans that I may put on e-bay as well.

I think that about covers what I have been doing. Oh, and in my spare(?) time, I am reading Command Decision by Elizabeth Moon (latest in Vatta's War series, excellent military sci-fi) and watching season 5 of 24.

So, I picked up DH yesterday at the airport. It was early release day at school so I took the kids and then we went out to dinner at our favorite Mexican restaurant. Which turned out to be quite expensive for the four of us, but gave everyone 2 meals worth of food. $45 for the meal, $9 for the tip. We tend to go here once a month on the day DH arrives home. Usually it doesn't coincide with early release so it is just the two us and comes to around $25 plus $5 tip. Big difference.

I am hoping this will be the only time we eat out for the rest of this paycycle. We really don't budget more than $60 a month for eating out. Probably shouldn't budget that much either, its not like its healthy.

Ah, well, can't change it now. So DH is home, which means I didn't get any writing done last night, but I did get two pages done before I went to pick him up. I don't know if I'll get anything done to night at all. I think DH is going to read the first 8 chapters tonight.

He is a very good sounding board for me, helps me when I get blocked and knows when I'm using filler. Doesn't happen often that I use filler, but it does tend to crop up when I'm just putting in chair time and not really in the flow of writing. Actually, I shouldn't call it chair time as I do my writing on my laptop, sitting on my bed, which is more comfortable for my posture than the computer chair and the PC keyboard.

I have been reading a writing book right now also. I'm not sure I agree with some of the things advised in it, as it was written in the early 1990's and I've seen plenty of good books out there since then that do the opposite of what they are advising here.

I think it best to probably go with my instincts on this, at least at this point in time. I know when my stuff isn't working, I know when its garbage, I know when its passable, and I know when its good. Which is a big reason why I have not attempted to try to publish the last book I wrote. I am not happy with parts of it and I figure working on this and letting the old stuff just kind of roam around in the back of my head for awhile may bring me around again to where I can fix the other book. We'll see, I suppose.

We had a gorgeous sunny day today. Almost all of the snow has melted, it is down to maybe 1 inch to 1/2 inch in places. It would have been a great day for hanging laundry if I hadn't already spread it over the drying racks to dry inside last night. Oh, well.

Today was a no spend day. I did a load of dishes and vacuumed the living room. Then I wrote for 6 pages.

I wrote 8 pages last night and 2 the night before, if I remember correctly. It might have been 3. I need to go back and count everything up again, I've lost track. I think its in the 170's. I now have 8 chapters written in order and then a ton of out of order "scenes" that will get worked in as I go. Some of the "scenes" are 1 or 2 pages and some are closer to 10. I never could completely write something in order, always get flash forwards, as I call them.

The more I write, the more I am thinking this may need to break down into four books, one per year that covers the story. Otherwise its going to be way too long. I don't want to be Harry Turtledove or J.K. Rowling and cause carpal tunnel syndrome to my readers from holding heavy books if my books ever do end up getting published.

Still no news on the PTR payments. I think I am going to quit them all. Now that I am writing so much I'd rather use that time on it. Much more productive and a possible much larger payoff in the end.

It snowed most of last night, then when the sun came up it started melting right away. It got up to 51 degrees and now as the sun is heading down it is raining ice, so I am sure as soon as the temp drops in the dark it will snow again all night, and melt again all day tomorrow. We are left with a crusty 2 inches at the moment.

I picked up the kids and the laundry from Mom's. She was so great to do it all. Well, not all, I've been doing the towels at home and hanging them on the drying racks. I do look forward to my new dryer when I get around to being able to get it. I will still line dry and rack dry to a certain extent even after. But I want the option of using my dryer in a case where someone's coat gets soaked but not dirty or same with shoes.

I am feeling a little better, I got some serious sleep Friday, didn't do that great last night, but Friday helped so much it didn't matter too much. I made the kids clean up the living room, they had trashed it royally before going to Mom's for the weekend, so I saved it for them to clean! Hey, they need to earn their allowances.

I am almost caught up on dishes. I have half a load in the sink still, and am currently washing a load and did another one this morning. I really let that slide while sick, only washing when we ran out of something. I did rinse everything so it didn't stink or mold, though. So it was mostly a question of just running everything through.

I have picked up one less than frugal habit this last year. I buy the jumbo aluminum foil from Costco and I use it to line my baking sheets. Then I don't have to clean my baking sheets. It is a bit wasteful environmentally but saves me time and I'm not trying to scrub burnt on cheese or sauce or whatever off the sheets. The foil does not end up being recycleable as it is not cleanable.

The kids have gone off down the road to play with some other kids so I am going to do some writing. I did 3 pages this morning before I picked up the kids. I'm really in the zone now. That puts me at 158. Go me!

It was a no spend day. I didn't leave the house. I wrote 30 pages. Talked to DH on the phone for an hour. Got some rather good salary news but until it is signed on the dotted line I won't really allow myself to believe it.

If, if, if everything that he is currently being told is true, we aren't going to have to worry about money the same way again.

Obviously we will have to worry about it to some extent as in, where does this go and what to do with that. But...our debt problems will begin to vanish rapidly and we'll be out of credit card debt faster than I'd ever dreamed.

Oh, I want to shout it from the rooftops, but I'm afraid that if I do, it will disappear. So I am being quietly optimistic without 100% believability. It is the same company after all is said and done.

I woke up to six inches of snow this morning after two gloriously beautiful days of 50 degree weather. Waiting for the bus this morning made us all look like we'd been frosted it was coming down so hard, those ginormous fluffy flakes the size of a quarter if you know the type. It was beautiful but I thought we were done. I guess I can thank my lucky stars that we didn't get feet like other people across the country have had to deal with.

It started melting around noon, dropping huge loads onto the roof from the cedar trees. It was down to about 3 inches when I left to take the kids in to spend the weekend with my parents and my sister's youngest boy. (And if you heard a shout of joy around 6:00 PST tonight, that would have been me leaving my parent's house free and clear.

I love my children dearly but I was very much ready to love them at someone else's house for a bit. Two weeks of the flu with cranky kids followed by a 4 day holiday weekend and me not getting enough sleep the last two nights, does not make for good family harmony. If I had to hear "She's on my couch cushion!" "No, he's on my couch cushion!" one more time I think I may have gone mental. Especially since the middle couch cushion between them is supposed to remain empty to prevent such arguments from happening in the first place, but someone always wants to put their feet up.

I don't have to pick them up until Sunday noontime so I will have lots of time to write tomorrow. That I am looking forward to. I did some serious pondering on the drive home and figured some more stuff out plotwise, so I am quite happy with it.

I did my shopping after letting the kids off, major monthly grocery shop plus a WalMart shop as I needed OTC meds, including the type you have to sign in blood for at the pharmacy (Sudafed, Children's Motrin Cold) to replace what was used up during the flu. I also got motor oil, goldfish crackers, nasal spray, a new drying rack, and a new George grill. Kind of an eclectic lot. But I didn't have any impulse buys at WalMart and I can't often say that. I will need to do a Freddy's run for organic milk when I pick up the kids but then we should be set for a fair bit.

I wrote 3 pages last night, which puts me at 125, just over 1/3 of the way to my yearly goal. Yay, me.

I also bought some food from the Schwan's guy today and used $20 for gas.

My George Foreman grill died an early death about 10 days ago. I use this thing constantly and hadn't even had this upgrade for a year. Something shorted out while I was cooking, I think there was a power surge. I checked the fuse box but it was fine, I tried other outlets, but no go. It is officially dead.

I think this is what has been leading me to not cook, well aside from the flu, because it makes it so much easier to make meat quickly. Not having one is causing me to spend money on less healthy convenience foods.

Well, tomorrow is payday and I think I am going to buy a new one. I probably could have with the amounts I've spent on convenience this week. At least there will be 2.5 hours of overtime on this check, which should cover it. I'm just glad they are not as expensive as they used to be.

I spent $11.64 buying a family size can of beef stew, a family size can of chicken noodle soup, and a normal size can of chili. From the gas station. I definitely need my grill back. I'm too lazy or too tired to cook consistently without it, even though I know how quite well.

I wrote 12 pages last night, which puts me at 121. Two pages to go to be 1/3 of the way to my goal of 365 pages written this year. I'm doing pretty good, writing every day at this point, when the most I was hoping for when I set this goal was a couple of hours a week.

In the past I always just wrote when the mood hit me, it was more of a hobby, just something I did. I'm trying to treat it more like a part time job. I still enjoy it of course, but I'm making sure I put the time in and I think that is really important to achieving my ends.

Working on this book is giving me ideas about the one that I finished a year or two ago but was unhappy about something and unable to figure it out at the time. I think when I finish this one, I can go back to the other one and fix it. Because I'm putting the time in daily, making the habit become second nature, it is so much easier to see gaps and fix them.

Boomeyer asked what it was about and all I can say at this point is that its a coming of age story that follows the lives of 4 girls keenly affected by the death of one of their friends and how it shapes the people they become over the next four years.

Both kids seem better today. Tobias woke up feeling pretty good, even ate a little something and was not running a fever so he decided to go to school with the injunction to call me to come get him if he started feeling poorly. Rose seems 100% now, so that is nice.

It's a gorgeous day here today. It's only 42 but the sun is out and its very clear. Both google weather and msn weather say it was supposed to snow. It did yesterday but it was too wet and did not stick except on the shoulders of the foothills. And there are no clouds in the sky, just a very pretty shade of winter blue. I thought about hanging laundry out, but I wasn't sure if it would dry with it being this cold and no wind. It tends to dry faster in the house unless its at least 55 degrees outside.

I spent a little money today at the gas station. Got a large pepperoni pizza and a bag of chips. So totally not a necessary purchase, but I'm still in a very anti-cooking mood right now. I think a couple more good nights of sleeping will help with that immensely.

I wrote 2 pages last night. That puts me to 108, I think. I'll have to go back and check. 14 more pages to go and I am 1/3 of the way to my goal.

I've been working my way through the commentaries of the second season of the new Doctor Who while doing my PTR emails. Lots of interesting info and it gives me something to listen to while I do the mind-numbing pointing and clicking. Last night I was able to cash out $5 with a new one and $3 with an old one. So I should see that show up in my paypal account on Friday at the latest. I'm very close to cashing out on another $5 one and another $3 one. I still have never heard back from ReadRevenue about that lost payment 1/13/07. It's probably a lost cause. I did send them another email about it last night.

I paid my car insurance online today, 3 months @ $185.50. $5 of which was because I split it in two payments instead of paying it in full in December.

DH ordered a pair of size 16W shoes online and spent $40 plus shipping. He put it on the credit card so we will add that amount to our regular payment. DH has a very hard time finding shoes that fit his foot and neither one of us can stand the service at the local Foot Locker. Which is really too bad. The local Lady Foot Locker has excellent service and the guys need to take a lesson from them. And I've told management so after the last time.

Okay, I think that covers all the spending for today.