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Payday Report for 8/11

August 12th, 2017 at 12:24 am

$1255.14 BoA Visa
__113.57 BoA Master Card
__125.00 Best Buy (12 months same as cash)
__500.00 August Utilities
__250.00 Chiropractor (won't be paid until 8/28)
__258.00 Medical (Another bill for my ER visit)
___54.54 Medical (DD)
___30.00 Medical (DD)
___11.69 Medical (DD)
------------
$2597.94 Total Bills Paid

Payday Reports for 7/21 and 7/28

July 29th, 2017 at 06:27 am

$2500.00 Citi (7/21)
__250.00 BCC
_3200.00 Citi (7/28)
__102.13 Life Insurance (DH and Me)
__801.46 Various Medical Bills
___90.00 Next Tuesday's Physical Therapy
--------------
$6943.13

So of the $5700 that went to Citi, $5000 of that was medical bills that I kicked down the road from my daughter's ER visit and my ER visit for the torn retina and the accompanying emergency laser eye surgery. I still have about $1200 to pay on Citi before the due date on the 3rd so that will come out of the EF and I'll pay it on the 1st when the money arrives in my account.

The rest of the Citi charges were groceries for the month. I still have an additional $3500 of medical bills that I put on the AMEX card that is due on the 14th, so I'll pay that off with the paycheck on the 4th. There will be just enough in the half paycheck on the 11th to pay for DH's travel expenses and the remainder of the August bills and then he won't get paid again until the next paycheck which won't be until September 1st.

Barring any more medical bills, and I honestly can't do that when things are still trickling in, we should be able to start paying back the EF. Not that that will last long if DH gets laid off again in October. His boss's boss is trying to find a place for him elsewhere in the company because they don't want to lose him now that he's worked for them. Wish they'd had that attitude last August, instead of putting us through 9 months of destroying every financial hope and dream we ever had of staying ahead, in loving partnership with the (Un)Affordable Care Act, of course. But whatever. I'm not bitter, she lied.

Planning and Plotting with the Six Week Budget Cycle

July 2nd, 2017 at 09:06 pm

I was able to pay some of the medical bills this month, but our next payday isn't until July 21st. I ended up putting some of it on my Citi card which isn't due until August 3rd. That will give me two paydays, the 21st and 28th, in which to pay that card off before it is due and I should be able to do that.

The bill for my daughter's hospital visit has not been paid yet. It is due on July 6th and is $2,333.48. So on July 6th I will go online and pay it using the American Express card, which is not due until the 14th of August. That gives me the full payday on August 4th and the four day payday on the 11th to pay that card off before it is due.

I will still have to borrow about $1500 from the Emergency Fund, but hopefully I will get that put back by the end of the coming pay cycle or at least most of it. I should be getting a paycheck from Google/Youtube this month, too. A small one. It'll go into savings.

After the August 11th paycheck DH won't get paid again until September 1st. I am not a big fan of the 3 weeks on/3 weeks off work hitch. It makes it really hard to budget for six weeks. The 2 weeks on/2 weeks off fell much more nicely into a monthly budget.

One of the things we did to make it easier is we changed our storage payment from an auto withdrawal from checking to an auto charge to our credit card. That way I don't have to worry that the money is in the account on the right day, just that it is there for the due date on the credit card. I am considering finding out if we can have the life insurance put on the card as well so we'd no longer have any auto payments coming directly out of checking. Might do that with internet as well. We still get a paper bill on that, but I think we can set it up to go to a card.

If everything is on cards, then I don't have to worry about it so much. And the only bills I will expect to see in the mail are medical bills and the garbage bill. The garbage company does not allow for credit card billing. It comes once every 2 months, so not a big deal with a six week pay cycle instead of a 4 week pay cycle.

I know I'll adjust to this way of budgeting eventually, but until I do, I'll have to keep doing mental gymnastics to make sure everything gets paid on time and that I don't have to pay interest on anything.

Payday Report #3

May 13th, 2017 at 05:53 am

Finally, we get to today's paycheck, which is a full seven day paycheck at hazard rate. Master Card is rarely used, but we have one that my daughter is a user on to build a credit history for her. It is basically used just for her online orders and when I am too exhausted to go into the store so she can go in with a list and get what I need while I wait in the car. We will be putting DH's flights and travel food and hotel overnights on the BOA VISA after this month. The previous plane tickets went on Citi VISA. We do not carry balances on any of our credit cards, but pay them in full every month. I am restarting the Car Repair Fund and the College Fund.

$190.00 Lab for Bloodwork
$288.79 BoA Master Card
$141.00 Charitable Giving
2739.55 Citi VISA
$120.00 BoA VISA
$100.00 Car Repair Fund
$100.00 College Fund
$_80.00 Car Insurance Fund (Six months)

Payday Report #2

May 13th, 2017 at 05:44 am

This is for the paycheck on 5/5/17. It is a full seven day paycheck at hazard pay rate, so will be typical for that. Atypical payments for the tabs and the Beef Fund came out of this paycheck. We are getting half a grass fed beef. It was slaughtered on the 6th and has to hang for a bit. We don't make the payment until they are ready to cut and wrap and we know the final hanging weight. They estimated we'd be getting 300 pounds hanging weight. It is $3 a pound plus cut and wrap.

$500.00 Mom's Utilities
$_45.30 Life Insurance Me
$_52.34 Life Insurance DH
$_69.57 Internet
$_70.26 Garbage (2 months)
$177.31 Lab for Bloodwork
$125.75 License Plate tab renewal
$250.00 Chiropractor monthly family plan
1500.00 to Citi VISA
$_90.00 Physical Therapy
1000.00 Half a Beef Fund

Payday Report #1

May 13th, 2017 at 05:32 am

Okay, so this is from the first paycheck from DH's new job and it's not typical because it was training for 2 days, which is not hazard pay, plus his per diem, and then 3 days actual slope rate. It wasn't a full week of work. I really want to get back into the habit of posting these with each paycheck.

$246.00 ENT doctor
$300.00 Cash for allowances and gas
$125.00 Sleep doctor
$252.00 Storage
$363.30 BOA VISA
1000.00 Mom Loan
$500.00 Emergency Fund
$_50.00 Eye doctor co-pay
$_30.00 Co-pay regular doctor
2459.21 AMEX

$1000.00 of the AMEX was paid from money previously taken from savings when we still weren't getting income. The AMEX card is what our monthly insurance premium of $1337 is charged to.

A Light at the End of the Tunnel and It's Not a Train

March 22nd, 2017 at 08:10 am

Company B came through. DH has a job. He starts April 14th. He'll be making more than he was when he was laid off from Company A, but not as much as he was before Company A's 9% pay cut. They said they'd mail out a benefits package and it should be here on Monday, so we will know how much medical costs through them and whether or not there is 401K matching and how long it is before he can contribute.

He'll be working 3 weeks on/3 weeks off, which is not the most favorable of schedules, the 2 and 2 is much easier on the family and is easier to budget, but a job is a job and we can't afford to be picky right now. The way I did the budget in the past on a 3 and 3 is that I'd take 2 weeks, which was for one month and the third week I'd put in savings until the next month's budget. Each month's budget only dealt with two paychecks, whether it was a month that had 2, 3, or 1 paycheck.

That's another thing I'll need to find out, whether the pay is weekly, every two weeks, or once a month. The norm up there has always been weekly, but who knows with this company?

DH ran the numbers for me so I could figure out the new budget. At least what the numbers will be before they start taking out health insurance and retirement. I should be able to start rebuilding the Emergency Fund, though not at the speed I'd like. My goal for it is going to be $30,000, because $20,000 was not enough. If it wasn't for the Farm Down Payment Fund, we'd be living on credit right now. So $30,000 with perhaps $60,000 as a longer term goal.

$60K would cover a year's expenses with health insurance for the four of us. Although I'm hoping that if there is a next time, my kids will be on their own and it would only be the two of us, which would be much cheaper to cover. Or at least working jobs where they can pay for their own health insurance.

My earnings from youtube and AdSense and Pinecone will go into the EF. And if I do publish my novel (which is coming along) after I finish it, any earnings from that will go to rebuild the EF as well, I think, though I would like to start an IRA for myself also. Plus the old coin jar and $1 bills trick, which always serves me well.

Once the Emergency Fund is rebuilt, we can start adding to the Farm Down Payment Fund again, although somewhere along the line, I'd like to purchase half a beef.

We have learned to live on so much less, but with income again we'll be paying my mother $1000 a month again for 3 years and that's a big chunk. Maybe buying a farm is a pipe dream. Maybe it'll be something I have to give up. Or scale down. I know we can be pretty self-sufficient on two acres, but I have always wanted five with at least two acres in trees so we'd have our own renewable wood supply and not be dependent on propane.

I don't know. We'll have to see. The important thing is that DH has a job and we can at last get things turned around and going in the right direction again. Thank you all for your prayers. They have meant the world to me.

Leftover Management and Homemade Take-Out

January 13th, 2017 at 07:24 am

One of the things I've been doing lately is taking any leftover meat and immediately chopping it up into a small dice. It's nice to think that it'll get eaten over the next couple of days, but too many times it doesn't. So I've taken to dicing and then freezing immediately. Or in the case of leftover hamburger patties or lamb patties, crumbling it up. We can't afford food waste and I'm opposed to it even in the best of times. Everything needs to get eaten.

I have had some good pizza toppings this way, with some lovely homemade sausage, picnic ham, taco meat, and lamb de provence. The ham and sausage is also great for putting in an egg scramble or omelette. We have had a few things that I don't really want to put on pizza, though.

The pork ribs with the apricot/honey/soy sauce glaze and the Thanksgiving and Christmas turkey leftovers, to name two. Sometimes leftover rabbit or chicken as well, depending on the seasonings. That meat has been going into making stir-fried rice, which is also helping to use up the over abundance of eggs we've been getting now that the ducks are switching into high gear.

I used the leftover pork with the apricot/honey/soy glaze tonight and it was so good. It was better than Yangtze pork fried rice that you can get in just about any Chinese place out there. I did add some garlic and ginger to the meat as well as to the rice itself. I ended up with 5 quart baggies full for the freezer, enough sides for a family of four for five meals, and then 2 more cups that my son and husband were bargaining over for a late evening snack.

I am really happy with the amount of Chinese/Polynesian dishes I have learned to make. Besides the rice I can make chicken and broccoli, broccoli beef, black pepper chicken, subgum chicken chow mein, beef chow yuk, pineapple chicken, char sui pork, and then just a general stir-fry with whatever I have with Chinese flavors. I have mastered using oyster sauce, fish sauce, and hoison sauce without getting too much of any of them.

It is nice to be able to make our favorite Chinese dishes when we can't afford to get take out. I have learned a couple Korean dishes over the last couple years as well, mandu (pork and cabbage dumplings) and kimbap (rice, seaweed, vegetable, and shrimp roll up thingy cut into circles).

I have been running down recipes for Mexican foods that don't require tomato sauce or peppers. It's not quite authentic, but there are substitutes and I am going to try them so we can get it figured out. There are a few dishes that don't use those things anyway, like quesadillas, which are simple enough, but I want to make tacos, and chili, and enchiladas again.

With Sichuan peppercorns, long grain peppercorns, and grains of paradise and judicious use of some other herbs and spices that aren't nightshades, it is supposedly possible to do all three of those things. I'm just not terribly fond of the texture of the nomato sauce, though, which is the base for two of them. It tastes good enough, though. Maybe I need to puree it more or something.

All I can say is that I am glad I am a good cook to begin with, because it has been a challenge to replace half my spice palette with other things and half my recipes as well. But I am doing it and we are finding some new favorites in the process. I don't think I'll ever get over losing peppers, though. At least peppercorns are not the same botanical species. I'm not sure it would be possible for me to give up black pepper, too. It's underrated, but salt and pepper are the best seasonings there are, really. They enhance everything. It's just the amounts you have to watch.

I am trying to post more frequently than I have been. It's just hard sometimes to figure it out when there is no income coming in. There are no savings updates. There are no payday reports. We still have no debt. So pretty much it comes down to household management, stretching the food budget, and making sure nothing goes to waste. Well, enough rambling. It's getting late and I need to get some sleep.

Medical is a Budget Killer

April 14th, 2016 at 07:08 pm

I've plotted out the money for the rest of this month and it does look like I will be able to put $1500 into the EF from the overtime work, assuming nothing changes. That won't be tomorrow's payday, but the next. A large chunk of tomorrow's payday will go towards paying the credit card. I had to put an unexpected doctor's bill on there so it is higher than usual. A portion of next week's pay will finish paying it off for the month.

I got a second unexpected doctor's bill for my toe surgery. I know the deductible was met, so I'm not sure why it was so high. I mean, it wasn't more complicated than getting a cavity filled. I was out of there within the hour. But my portion is still $355? Maybe the insurance denied part of it or something. I'll investigate a little further. They are supposed to pay 90% after the deductible has been met. I don't think the overall total was anywhere near $3500. He's supposed to be in network. I don't know.

I am tired of medical bills. I've shelled out $2000 just this month and that is without any physical therapy, since my PT has influenza and I have not seen her this month at all. It should get better from here, though, since nothing else big should be coming in for a while. DD did see the doctor at the start of the month, but just for a regular visit so our portion should be quite low.
Although DS is getting a cavity filled next week that won't be charged until some time in May.

I don't know how people with low incomes and high deductibles do it. We struggle to get the medical bills paid and we have a good income. Without the overtime work, though, we'd be having a tough time this month. Without the OT we'd be saving nothing and might even have had to make a choice to dip into the Emergency Fund or carry a balance this month on the credit card. How are people who have no EF and no room on their credit card going to make it in the same circumstance. Oh, wait, I know this one. Not go to the doctor at all.

Well, That Should Help

April 11th, 2016 at 06:23 am

DH told me today that he got confirmed for an extra week of overtime, so that should really help me to stop stressing out over the Emergency Fund. I should be able to get it to $20K by the end of the year easily now, at least if the job continues. He also said that he should know the contract status by the end of the week. We've all heard that before, though. I am not holding my breath that they will not extend it again.

We had a big medical bill come in for my daughter yesterday. I thought we were done with big bills from the sleep doctor, but apparently not. Well, the overtime will cover it. I went ahead and paid it on the credit card, but will pay it off next Friday now that I know the income will be there for it. I would have just used the money allocated to go for the down payment fund if I'd had to. It would have been a bummer to not put money in that fund that month, but better than dipping into the EF.

DH finally got the numbers to me on what his new income will be and it was $97 more than I'd projected, so yay. I'm still resentful of the pay cut, mind you, but the extra almost $100 is going to make it a little easier and less stressful than I thought it would be on the new budget. I'm all for easier and less stressful.

Life in Limbo

April 2nd, 2016 at 04:29 am

So we were supposed to know yesterday about whether or not DH's company got the contract. Well, we still don't know. Apparently they are taking 2 MORE weeks to decide. Something that should have been decided in January. I am not holding my breath about 2 weeks from now, either. Do they not understand that they are fooling around with people's lives here and their livelihoods?

I am just hoping that DH can get some overtime in. There appears to be the work for it. If he can get in enough OT to get the EF up to $20K, I might (probably not), just might relax a little bit.

I have decided to do an eat from the pantry challenge for the month of April. I want to cut our grocery spending all the way down to $400. If I can, it will go a long way towards easing the pain of the pay cut. I don't need to buy meat at all during this month. I don't need to buy potatoes, sweet potatoes, carrots, pasta, tomato sauce, rice, or flour, or sugar.

I am allowing myself to buy fresh fruit, milk, and some greens and onions if I run out, but that is all. I will be baking all my bread, rolls, and buns. I've got plenty of food in the freezer and on the canning shelves. My Aerogarden is producing a couple of salads a week. I've got lettuce planted that will hopefully take off by the end of the month. This should be easy. It goes without saying that there will be no eating out.

If I can figure this out and stick to a much stricter grocery budget, and we can get used to not getting everything we want food-wise all the time, then if his pay does go back up, we can save the difference then, too. That would be nice. And if it doesn't, we'll know we can get by on much less.

Cutting Grocery Expenses

January 3rd, 2016 at 07:13 am

I didn't have time to write about this when I started, but 12 days ago I did one big grocery shop with the intention of cutting my grocery spending for the month in half. I gave myself a budget of $400, and spent $319.94. That left me with $80.06 for things like milk, bread (if I don't bake it), lettuce, and fresh fruit.

Yesterday I spent $11.85 on 15 pounds of oranges, and $8.99 on a quart of fresh organic strawberries. So that is $20.84 and it leaves me with $59.22 to get through until the 22nd of January. $60 for 20 more days. I have 2 gallons of milk left so I am fine there, and I still have some greens growing under my little umbrella green houses, so I may not need to buy lettuce at all. I also have a loaf of bread left and plenty of ingredients to make more.

The $400 I am hoping to save (my usual budget is $800 a month) will go into the down payment fund. I have been successful in saving anywhere from around $200 to $250 for the past couple of months, but I really want to try to make this goal.

I do not have to buy any meat at all. The freezer is still packed with chicken, rabbit, beef, pork, and lamb. I have a ton of home canned food still on my canning shelves, and some frozen fruit and veg as well. So this is very doable as long as I don't get lazy. So far I have been sticking pretty well to the meal planning, though I've switched things up a couple times when I wasn't feeling as good. But it was all stuff we had available.

We also have not eaten out in that amount of time and I am hoping to make that go for the entire month long period as well. I am in full on savings mode. The faster I can save, the sooner we can move.

Payday Report

November 13th, 2015 at 07:39 pm

$2044.59 BOA Visa
___55.25 Garbage
__197.67 Christmas Fund
__300.00 Meat from the Farm
__200.00 Groceries
___50.00 Allowances
------------------------
$2847.51 Total Out

I probably won't spend all of that $200 this week since I just bought groceries yesterday. I just have one or two things to pick up that weren't at the other store.

The Visa was high this month because I had DH purchase all of his holiday travel tickets last month. Waiting too close to his travel dates at this time of year would mean his plane tickets would cost double of normal. So he bought 3 tickets on that month's Visa instead of the usual 1. Fortunately we are at a place in the budget where I was able to absorb that without too much of a blip.

I misplaced the Comcast bill for out internet. I need to find it. It's not due until the 21st. If I can't find it by the 18th, we will go in person and pay it. It is out near the airport and I'll be picking DH up that day so it won't be an extra trip. Usually I pay it at the start of the month, but as I had to pay some doctor bills then, I decided to wait until closer to the due date.

I never set it up to pay online as they charged a fee for online payments. I don't know if they still do now that online paying is becoming a norm, but the last thing I wanted to do was give them extra money. Plus I really didn't want them having the ability to just take money out of my account or off my card. I've heard too many horror stories about that company to let them have carte blanche.

I'll get it figured out, though. And look some more for the bill. It's got to be around here somewhere.

Payday Report

January 17th, 2015 at 06:48 am

$1700.00 Bank of America
$1000.00 Loan to Mom
__225.00 Chiropractor
__103.00 Medical
___90.00 Physical Therapy
___42.88 Prescription
___50.00 Allowances
___20.11 Gas($1.84 a gallon!)
__100.00 Cash for Week
---------------
$3330.99 Total Money Out

Payday Report

January 10th, 2015 at 06:37 am

It was good to finally get to payday. This year I am going to start much earlier on saving for the shut down that occurs every December at DH's work. As in, this paycheck. And in April when things cycle around so that we'll have an extra paycheck, I will put a good chunk of it into that fund as well. It was nice to be able to get through that time period without touching the Emergency Fund and I am glad we did not rely on the Christmas Bonus as that went to pay for the car roof repair and Christmas. There was nothing of it left for living expenses.

The paycheck is about $100 less for this pay period than it has been due to the new 401K withdrawal. Not too big of an amount to absorb easily. We'll see how it goes for the whole month before we decide to up it a percent, though.

Payday Report:

$800.00 to Van Loan (including extra)
_400.00 to Mom's utilities
__24.28 Electricity (old house)
__75.65 Internet
__48.60 Phone (old house)
__46.00 Security Monitoring (old house)
__41.94 Garbage (two months)
__13.75 Medical
__29.85 Medical
__66.61 Medical
_100.00 Allowances (two weeks, 2 kids)
_100.00 Cash for Week
_178.00 Emergency Fund
_100.00 Property Tax Fund
_100.00 December Money Fund
_100.00 Propane Fund (old house)
---------------
2224.68

The Propane Fund now sits at $700. The December Money Fund is at $233.55.

Payday Report

December 1st, 2014 at 04:05 pm

$1000.00 Loan to Mom (Nov. payment)
__417.00 AMEX
___29.13 Electric (Old House)
___47.92 Phone (Old House)
___45.30 Life Insurance DH
___44.66 Life Insurance Me
___71.41 Car Insurance
___48.75 House Insurance (Old House)
___41.16 Security System (Old House)
__186.00 Storage
__400.00 Groceries (Major stock up)
--------------------
$2331.33

I am still figuring out what to do with the rest of it. I have to pay for PT tomorrow and I'll probably send some to the Emergency Fund and the rest will go to next week's bills and some Christmas shopping.

More December Planning

November 11th, 2014 at 08:24 pm

Well, I know for sure that I am going to be able to squeeze $500 out of this coming Friday's paycheck to go towards the five weeks when DH won't be working. I might be able to squeeze as much as $750 out, but I'm not sure. Prescriptions are due to be renewed Friday, and I don't remember how much that is going to be now that DD is on the new meds.

We are still waiting to hear if he got the okay to work a few extra days before the shut down. They were supposed to tell him within 2 days of his getting home and he still hasn't heard anything. This employer is so unorganized. He's calling them today to see what is going on.

So far they have not sent out the grocery store gift card that they usually send out before Thanksgiving. On a normal year it would be here by now, but since this is not a normal year, it wouldn't surprise me if they don't send them out at all. I am not counting on it coming. In fact, it would shock me if they send them out with the way they've been behaving towards their employees this year.

I am very glad we have our turkeys taken care of for Thanksgiving and Christmas. And that we have lots of food in the freezer and on the shelves. We will get through this. It'll be hard, and we may have to touch the Emergency Fund, but we will manage. I just wish we didn't have to.

I won't have to contribute to the Property Tax Fund during the month of December since I already put an extra payment in in October for December. Same with the Dues Fund. I have $500 in the Propane Fund plus a $50 credit with the company so I won't have to put $100 into the dues fund next time. We just turned the propane on this week at the old house and it has a full tank. We won't be driving much for half of December as there is no school so gas costs will be lower.

Next year I will try to plan a little better. We've just never had this many weeks to cover before. But I will start saving $200 a month towards next year's shut down in January and put aside one of the two extra paychecks DH gets during the year that doesn't go towards the regular budget. It'll be tight, especially if medical goes up AGAIN and I see no reason it won't, but we'll deal. We have to. It's not like there are a lot of other choices right now.

Payday Report and Farm Report

November 8th, 2014 at 08:10 pm

Yesterday was payday.

$1800.00 BoA VISA
__800.00 Van Loan plus extra
__400.00 to Mom for utilities
___90.00 Medical
__100.00 Property Tax Fund
__100.00 Propane Fund
__110.84 120 pounds of Organic Turkey Feed
__112.34 (2 bales hay, 150# of oats and duck/chicken feed
-----------------
$3513.18

Last night frost threatened so I went ahead and harvested my sweet meat squash. I ended up with 4 good squash and the ducks ended up with some that had too much insect damage to store. Right now they are curing at room temperature for 2 weeks and then they will be moved to an unheated room. Sweet meat is storable for 6 to 8 months, with best flavor developing after it has been stored for 2 months, so we will be trying our first one around January. If it turns out we don't like them, which I doubt, we can feed them to the birds.

We should have enough turkey feed for 2 months now, as we are butchering half our turkeys (and one drake) later today. And we should have enough duck/chicken feed for about six weeks. The rabbits will go through the hay in a month and the oats in 2 weeks. Maybe a little longer as we are butchering 8 grow outs tomorrow. But then again, the 18 kits growing out will be eating more as they get bigger, so we'll see.

I've decided for sure not to breed rabbits again until February. I don't want to deal with births when it is very cold out or trying to keep very young kits alive in cold weather. And the rabbits eat a lot more feed in the cold months to stay warm, so it makes more sense to hold off during those time periods, especially since we can breed enough during February through August to meet our meat needs. That also puts our last butcher dates in late November/early December before we get tons of snow or it is always frozen out and hard to work outside. Unless we have some very slow growers, we shouldn't have to butcher after that until May when the weather is much nicer for it.

Payday Report

November 3rd, 2014 at 08:56 pm

I finished paying the bills for this payday. I took the checkbook down to $3.81, but I have $90 in cash to pay for any incidentals that come up between now and Friday. Plus there is a cushion in the checking account that I don't count into things.

$1000.00 Loan to Mom
___45.30 Life Insurance DH
___44.66 Life Insurance Me
___74.41 Car Insurance
___90.00 Physical Therapy
___48.75 Old House Insurance
___41.15 Old House Alarm Service
__186.00 Storage
___31.99 Old House Electricity
__300.00 AMEX
__144.22 Groceries
___50.00 Allowances
__100.00 Cash for Week
__100.00 December Money Fund
___21.66 Medical Me
___12.10 Medical DD
__600.00 (Will go towards car payment, temp savings)
--------------------
$2843.58


Payday Report

October 3rd, 2014 at 05:48 pm

$250.00 AMEX
$400.00 to Mom for her utilities
__46.00 Salmon and canning jars
$100.00 Emergency Fund
__29.06 Power Old House
__47.92 Phone Old House
__75.65 Internet
__45.30 Life Insurance DH
__44.66 Life Insurance Me
__74.41 Car Insurance
__48.75 Old House Insurance
__41.66 Security Old House
$186.00 Storage
$100.00 Property Tax Fund
$100.00 Propane Fund
$450.00 December Money Fund
---------------
$1789.41 Total Money Out

I do have a few other things that will be coming out of this paycheck, but they aren't due for a while so I will likely lump them in with next week's payday report unless I get the bills before next Friday. I will be buying the kids winter coats and umbrellas. I will be buying hay. I've got a couple of medical/dental bills to round up, too.

Payday Report for 9/12/14

September 14th, 2014 at 11:09 pm

$1500.00 BoA VISA
_1000.00 Loan to Mom
__300.00 Beef and Pork bought at the farm
__120.00 Physical Therapy
___90.00 Physical Therapy
__200.00 on prescriptions and OTC Medications
__100.00 on layer feed, turkey feed, crimped oats
__200.00 Glasses
____6.29 X-ray
___35.50 Medical
____9.08 Blood Work
____0.82 C-Pap filters
-----------------
$3555.40

Payday Report for 9/5/14

September 14th, 2014 at 11:01 pm

$400.00 Utilities to Mom
_100.00 Emergency Fund
__20.00 HoA Dues
__28.97 Electric (Old House)
__48.60 Phone (Old House)
__75.65 Internet
__41.94 Garbage (2 months)
__45.30 Life Insurance DH
__44.66 Life Insurance Me
__70.86 Car Insurance
__48.75 House Insurance (Old House)
__41.16 Security System (Old House)
_186.00 Storage
_800.00 Van Loan (plus extra)
---------------------
1951.89

Payday Report for 8-15-14

August 16th, 2014 at 07:50 pm

$1000.00 to Mom for Loan
$1500.00 to BoA Visa
___55.46 to Paypal
___90.00 Physical Therapy
__130.00 Animal Feed
___80.00 Canning supplies and an electronic timer
___90.00 for buying potatoes/peppers/onions for preserving
___15.38 medical
___48.60 Phone (Old House)
___75.65 Internet
__144.00 Water/sewer (Old House)
___96.56 Prescriptions and OTC medications
-------------
$3325.65

We also ordered 3 new rabbit cages this week and 12 urine guards. It came to $221.35 and they are supposed to arrive on Monday. Hopefully, they will.

Payday Report for 2 Weeks

July 18th, 2014 at 11:44 pm

I didn't do last week's payday report, so I am going to combine it with this weeks, and just do one big one.

$1500.00 BoA VISA
__272.00 AMEX
_1000.00 Loan from Mom
__400.00 Mom's utilities
__100.00 Emergency Fund
__125.00 HoA Dues
___30.64 Electricity (Old House)
___48.60 Phone (Old House)
___75.65 Internet
___55.25 Garbage Two Months
__100.00 Property Tax Fund
__225.00 Chiropractor
__180.00 Physical Therapy (2 sessions)
__173.68 Medical
__225.00 Chiropractor
___30.00 Prescriptions
-------------
$4540.82

I also spent $75 on feed and hay for the animals and about $500 for groceries.

Payday Update--I'm Behind

July 2nd, 2014 at 07:59 pm

Friday was payday and while I paid all the bills I didn't record anything in my spreadsheet or on here, so today is my catch up day. I tried not to let things slide while I was really sick, but some of it did. Fortunately it was just the record keeping part and that is easy enough to catch up on.

$300.00 Beef and Pork from the farm
__90.00 Physical Therapy
_100.00 Turkey, Chicken, Duck Feed plus straw/hay/grit
_144.00 Water/sewer Old House (2 months)
__45.30 Life Insurance DH
__41.88 Life Insurance Me
__70.86 Car Insurance
__47.17 House Insurance Old House
_186.00 Storage
__41.16 ADT Security Old House
__30.64 Electricity Old House
__80.58 Lowes
__15.00 Prescription
_225.00 AMEX
--------------
1417.59

I also spent $175.00 on a big Costco stock up of things like TP, paper towels, juice, vitamins, olive oil, and butter. Should be quite some time before we have to go back.

And I have $90 set aside for physical therapy on Thursday.


Payday Report

June 15th, 2014 at 07:17 pm

$757.82 Van loan (plus extra)
_283.13 groceries
__50.00 gas
_204.00 for strawberries for the year
_140.52 Sleep doctor
__48.60 Phone (old house)
__88.15 Internet
___9.80 Book of stamps
_120.00 Physical therapy
_100.00 Emergency Fund
_100.00 Propane Fund
_100.00 Property Tax Fund
__19.00 Dues Fund
-------------
2021.02 Total Money Out

I also spent $48.03 on rabbit feed and supplies.

Payday Report

May 25th, 2014 at 10:27 pm

I didn't do my payday report last week so this will just be a combined report for the two paydays.

$1500.00 BoA VISA
_1000.00 Loan to Mom
__400.00 Mom's Utilities
__200.00 Emergency Fund
___19.00 Dues Fund
___60.91 Electric (Old House 2 months)
___48.60 Phone (Old House)
__160.80 Internet (2 months)
___68.56 Garbage
__757.82 Van Loan (plus extra to principal)
__100.00 Property Tax Fund
__239.32 Propane
__100.00 College Fund
__100.00 Vacation Fund
__100.00 Christmas Fund
__100.00 Moving Fund
__100.00 Appliance Fund
__500.00 Building Supplies
___90.00 Allowances (2 weeks)
--------------
$5546.01

I did some bulk grocery shopping in the last two weeks, spenging $526.31. We've spent $100 on eating out or takeaway. I spent $204 on prescription medications and $45.21 on OTC allergy meds. I also paid a medical bill, a physical therapy session and dental bill for a total of $341.47. And that should get me up to date for the month.

Payday Report

March 29th, 2014 at 06:23 am

$323.41 AMEX
_500.00 Mortgage
_100.00 Emergency Fund
__19.00 HoA Dues Fund
__75.65 Internet
__72.00 Water/Sewer Holding Tank
_225.00 Monthly Chiropractic Plan
_100.00 Property Tax Fund
_113.22 Propane Fund
_100.00 Laptop Holding Tank
_100.00 College Fund
_100.00 Vacation Fund
_100.00 Christmas Fund
_100.00 Appliance Fund
_100.00 Moving Fund
_100.00 Aquaponics Fund
_100.00 January Money Fund
_334.60 Dentist
_104.02 Medical
_168.00 Storage
__45.30 Life Insurance DH
__41.88 Life Insurance Me
__69.89 Car Insurance
__47.17 House Insurance
__41.16 Security System (Old House)
----------
$2356.89 Total Money Out

I will be having a car payment coming out of this paycheck, but it isn't due until the 19th so the money is being set aside. I will list it when I pay it.

Payday Report

February 21st, 2014 at 08:31 pm

$1000.00 to Mom
__144.00 Water/sewer Old House (2 months)
__600.00 Mortgage Old House
__100.00 Property Tax Fund
__100.00 Emergency Fund
___19.00 Dues Fund (HoA Old House)
___90.00 Physical Therapy
+_100.00 Cash for Week
-------------
$2153.00 Total Money Out

I've also got to pay the kids' allowances for the last two weeks and buy groceries. I don't need to get that much. Milk, potatoes, lettuce, kale, chard, parsley, salmon, cod or snapper depending on what is in, deli meat, turnips, maybe a winter squash, and cabbage. I think I want some pears, too, but it will depend on how they look. I still have some apples and oranges, a couple of bananas, and a very unusual for me out of season imported watermelon, so not doing bad on the fruit front.

I need to pick up some black oil sunflower seeds for sprouting with the barley fodder, for the rabbits and some new chew blocks to hang from their chew toys. I am glad they are refillable. I also need to pick up some locking hardware for the 2 outdoor rabbit hutches that never had it put on and two feed cups. I have plenty of extra water bottles. We will be using the outdoor hutches when we bring the new rabbits home. They will be in quarantine for 4 weeks before I put them in with the other rabbits to make sure they have no illnesses.

I am going to risk breeding Piper with the red buck after he settles in simply because I don't want to wait a month. I want our first batch of spring bunnies by the end of March/beginning of April. I will breed them outside in one of the rabbit tractors (movable pens) to minimize exposure.

Piper is our best doe so she'll be the odd one out. The others I will pair up so I am having two does having litters at the same time. When Kalia is old enough to breed she will be paired with Piper. Then when the two red doe kits grow up I will pair one with Piper and one with Kalia, because end game is to have two unrelated litters growing out at the same time so if someone wants breeding stock that is not related I will always have that option for selling.

Okay, that kind of went off on a tangent.

Errors Due to Illness

February 4th, 2014 at 12:29 am

One of the problems with having the head cold that will not die is that I think my brain is functioning just fine, so I do things like math, and then it becomes clear about 24 to 48 hours later that my brain is not functioning just fine. *sighs*

I messed up on the budget. I forgot about the first of the month autopays. They equal $414. It is okay as I haven't mailed in one of the bills yet that isn't even due until the 15th, and that is $540, so I can wait until Friday to send it in. I just feel like a lamebrain. But at least it won't be a case of anything going into overdraft protection and costing me $13 per bounced check or $1 per amount moved from the savings account there, which is only $45 anyway.

I know I have a cushion, but it's not quite enough either. Just been so out of it. I try to stay on top of things and I think I am and then I'm not. Oh, well. The good thing is I caught it before it could have been bad.

DD went to the doctor today. Both ears and all four sinuses are infected. We will take DS to the doctor tomorrow. I should probably go, too, but our deductible has started over and between the 2 of them it's going to be $220 for the office visits. And DD's prescription was $40, so DS's will likely be that, too.

I can struggle on a while longer, my ears are fine and I can put up with the sinus stuff with using saline rinses, nasal spray and cold medicine. I am sleeping and I don't have a fever anymore or anything. I just wish it wasn't so expensive to go to the doctor.

Our deductible with our piece of garbage medical insurance is $5000, so I try to use the doctor sparingly, especially since I have to take so many prescriptions that aren't covered until we hit the deductible, either. It's basically like not having insurance at all unless you have a big surgery or hospital stay or something. Worthless for the most part except in case of catastrophe.


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