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Exhausted

April 4th, 2013 at 06:33 am

I worked hard today. Let's just say if I never see rabbit manure again it will be too soon. Only of course I will be seeing it. But the garden will be well fertilized. Everything is now squeaky clean in the rabbit shed and in the chicken coop. I think I'd forgotten my body was capable of this much hard, physical work.

Today was a no spend day, which is easy to do if you never leave home. I am looking forward to Friday though. Payday cannot come soon enough, mostly because I need to go down to the ranch on Saturday and buy beef and pork. I still have a couple of chickens, but I am out of hamburger, chuck roasts and pork chops.

I really need to go to Trader Joe's as well and stock up on a few of their items. Particularly spaghetti, organic potatoes, Joe's O's, and their non-BPA lined canned corn. And their tomato sauce since our Costco has stopped carrying the S&W organic tomato sauce in the 15 ounce cans.

So definitely a lot of money will be coming out Friday for grocery shopping.

Not sure what is happening on the overtime front. They haven't been able to find DH a bed, so now he and his immediate boss are trying to get the okay for him to bring the work home to do on his days off. He'll get paid $25 less a day for it, but he won't be working 12 hour days, so it seems pretty win-win. Even though they are crying for the redlines to get done, there is molasses in the approval department. I just really hope it gets okayed.

I'm not all that keen on him having to work while here, but at the same time, the overtime would be so good for us financially right now. I guess right now we just live in limbo and wait and see. I have mentioned before, haven't I, that I don't do patience well? Rolleyes

After Hours Clinic

February 27th, 2013 at 07:52 pm

I had to take my son to the after hours pediatric clinic last night. He has an eye infection. They faxed in a prescription last night, but of course the pharmacy was closed because it was late. So I call them this morning and they have no sign of the prescription.

So then I had to call the doctor's office and then they had to track down who was on call last night and then finally re-faxed the prescription, so now I just have to wait to have it filled. Should be ready in a couple of hours, although how hard it is to stick a sticker on a squeeze bottle of eye drops that comes as needed in a little box, I do not know. It's not like counting out pills.

I really am wishing for the days when they would just write a paper prescription and I could take it to the pharmacy myself and know that it actually got where it needed to be. I also really don't like the fact that the doctor's offices don't want to deal with prescriptions anymore. It's been that way for over a year now. If you need a refill, you have to call the pharmacy to have them fax in the request. I don't really see the difference between calling the doctor and having them fax the pharmacy, instead of the pharmacy faxing them and then they have to send back approval. Seems like it actually takes more time to do it that way instead of saving time.

It is particularly frustrating right now, because I'm in transition between the old doctor's prescriptions and the new one's, so having them fax the new doctor for something he's not prescribed yet, doesn't work. I have to call the doctor anyway. *sighs* Let's just say it's been a long, frustrating morning on the phone.

Last night was the fourth doctor's appointment since the year began so we should be well on our way to meeting the first $500 of our $2500 deductible. I still need to make a couple of phone calls, one to the sleep doctor to see if there is anything further he can do about Aetna denying the sleep study. There are probably some bells and whistles that need to be jumped through.

Then I need to call the regular doctor about blood test results and schedule an appointment. Which I probably won't do until next week, because of DS's eye infection.

On the bright side of things this is my fifth day on the Paleo diet and I have lost 9 pounds. So clearly that's working. I miss potatoes though. I need to buy a few more fruits and vegetables for variety though. Apparently I am fine eating the same ones day after day if I am also eating starches, dairy, and grains, but when I am not, I get bored really fast of my cole slaw and broccoli (not the oranges though). This also means I am messing a bit with my 100 mile food shed, moving it to my west coast food shed instead (which technically I'm on anyway for the California oranges.

I saw some organic strawberries and canteloupe on sale but it is probably from Mexico. *sighs* I think it is still a bit too early to be from Cali. I went digging through the freezer to see if I could find any strawberries, but I guess we have used them all up. I am really wanting them, though. I don't generally get specific fruit cravings. I will try frozen blueberries today instead since that is what I have on hand, but I do want to buy some zucchini and peppers and an onion.

I dreamed about that farmhouse again. *sighs* It really is our dream property. I am trying to get over my impatience with life. I've spent too much time waiting for my future to start. I need to live within my present for now.

I Hate My Medical Insurance

February 23rd, 2013 at 10:00 pm

Just got a denial of medical services from Aetna. Rolleyes Seems that they in their infinite wisdom don't want to pay for a sleep study for me, despite the fact that two doctors highly suspect I have sleep apnea. Of course Aetna knows all. /sarc. Well, I was going to call on Monday anyway and talk to the sleep doctor's office.

Apparently there are several hoops we will have to jump through to try to get them to reconsider. Aetna's just moved up the Evil Empire List list to second, right under the middle school that allowed my son to be assaulted so badly it took him 6 months to recover from the brain injury, and above Bank of America.

I don't know why Aetna cares so much anyway. We will still have to pay for it out of pocket because of our $2500 deductible. It's not like they'll be out any money. But if they approve it, it would at least count towards our deductible.

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I've started back on a diet today. I'm quitting soda cold turkey...well except I took a caffeine pill so I don't go through withdrawal. Despite everything else in my diet being pretty much unprocessed, the Pepsi Throwback habit was getting out of hand.

I am aiming towards the Paleo diet. I did a test this week and didn't drink any milk. Last night I had milk and within 20 minutes my throat hurt and my nose was stuffing up. That will make it much easier for me to give up dairy. Grains I could always give or take.

So for the next week I will eat nothing but lean meats, fish, eggs, leafy greens, cabbage, broccoli, cauliflower and other non-starchy vegetables, walnuts and fresh fruit (but not too much fruit). I will cook only with olive oil. And all dairy will be eliminated. I will miss cheese and butter.

It will be hard giving up homemade pizza but with the crust being a grain and the topping being cheese and processed meats it's not going to be a choice for menu planning.

Honey is okay in small amounts and since mayo is made with egg, oil, lemon juice, a bit of mustard (I'll use my own homemade), and some salt, I should be able to make my cole slaw dressing just fine. I'll just have to use olive oil for the oil instead of canola.

Bits and More Bits

February 23rd, 2013 at 04:02 am

I had physical therapy today, so spent $90 on that.

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Today was payday, but I have not done anything about it yet, other than distribute the children's allowances, $15 to the 16 year old and $10 to the 12 year old. Nothing is due until the 1st and it will come out of the account as autopays.

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I emptied DH's wallet of change. Wish I had done that before I made the EF deposit yesterday as with it I was able to roll both nickels and quarters. So, yeah, with next Thursdays auto transfer I will definitely hit the $3000 mark on the EF.

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My jaw still hurts from the crown.

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I need to call the sleep doctor on Monday and see if the preapproval came through for my sleep study. They were supposed to call me when it did and make an appointment, but it's been over a week now and I think somebody dropped the ball somewhere.

I also need to call the regular doctor and make an appointment to discuss my blood test results that my other doctor never really talked to me about, just put me on a new med.

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We have flooding. We have had a major storm today, lots of rain and wind. The basement is being pumped. I so do not ever want to live in a house with a basement again.


Mortgage Under $14K

February 11th, 2013 at 11:03 pm

The mortgage payment hit the account today. New total is $13,943.05. $10K seems so close. Maybe I was wrong. Maybe I can get excited about paying down the mortgage.

As for tax return, it's a waiting game. 2 more days supposedly for it to hit the credit union. Not that that stops me from checking! I've spent so much of 2013 just waiting. Patience is clearly not a virtue that I am particularly acquainted with. In fact people used to tell me to be patient and I would say, "I don't do patient." I still don't, or at least not very well. You would think with all the practice I've had I would be better at it.

If I can swing $1600 a month the mortgage would be paid off this year. But I don't know if I will do that, because I really do want to build the EF up. Maybe it's not all that necessary with the amount of work there is for DH right now, his job security is pretty high. But I'd feel better with at least $10K in the bank.

All Over the Place

January 31st, 2013 at 01:44 am

My physical therapist was sick today and cancelled our appointment. I have to say I am glad because I really didn't feel up to being tortured this week. Come to think of it, she was showing symptoms last week, so that's probably where this cold came from. Anyway, that's $90 I didn't need to spend this week. I'm glad of that, because I'm not sure about my doctor's appointment tomorrow whether or not physicals go towards the deductible or they are covered outright. I'm thinking outright, but I won't know for sure until I get there. I gave them insurance info over the phone. Plus throw in the new patient thing and who knows.

Today I am at least making what's on my meal plan for the week. But then roast chicken and baked potatoes are easy. 5 minutes of hands on time.

I need to start taking my vitamins again. I've been slacking off and only doing the vitamin D3, but I need to add back in C, fish oil, E, magnesium and potassium. I always feel better on that regimen, but when I need it the most, in winter, is when I tend to slack off on it.

I will be getting my rewards coupon from AMEX in February. The only thing I don't like about it is that since it's tied to my Costco card, I have to take the coupon in to Costco to get my cash. I'd prefer they just send me a check I can cash at the credit union or apply it directly to my account. I hate going to our Costco. The parking lot is a nightmare. It's one thing when I am actually buying groceries, but another thing when I am not.

We have one of the busiest Costco's in the state. I really do not understand why so many Canadians cross the border to shop here, but every other license plate is Canadian. There is a Costco on their side in Abbotsford two minutes from the border.

I can't see how waiting in a 40 minute (or longer) border crossing line, coming stateside to shop and get gas, and then spending another 40 minutes (or more) to cross the border again, could ever be worth it. I would think you'd be wasting as much gas in the lines as you would save from getting it stateside.

I wouldn't do it. Maybe back in the olden days when gas was 99 cents a gallon and dairy products were cheap, but now? Of course, they are probably the only thing keeping the retail economy of this county afloat. I doubt it would survive without the influx. But it does make it difficult to park, run in, and get back out quickly with all the non-local shoppers.

I've been thinking about just getting rid of this card and dropping Costco as well. Only thing is, this is the only card in just my name. All of our other cards are my husband's and I'm either a co-signer or an authorized user. I know they changed the law a while back so that it was no longer based on household income, so if you don't make an income of your own, you couldn't get a card of your own. I don't know if that change was ever rescinded or not. I know there was some hoo hah about it, but not how it turned out. So I'm not sure I'd be able to get another card in just my name if I did cancel it.

It probably doesn't matter too much as I don't intend to need a bunch of cards and my marriage is solid, so I'm not expecting to lose access to DH's, but it just seems smart to have at least one card in my own name.

Right now I'm breaking even on the Costco membership fee and that's about it. And there are less and less products we buy there as we've switched to getting our meat from the ranch and not from Costco. I may give it another year and track it and then figure out whether or not it is worth it to me. They've stopped carrying the brands of tomato sauce, peanut butter, and green beans that I liked so that's going on the con side. Mostly I am just buying the non-food products there. It's becoming less and less worth it.

Stuff and Other Stuff

January 29th, 2013 at 03:49 am

I've been doing some thinking about the next couple of months. In February we will buy our Disneyland Parkhopper tickets, which will set us back $2030 for 7 tickets (unless they go on sale), but we should be able to buy them outright in February. I will charge them for the benefits of charging, but then I will pay it off as soon as it posts to the account.

We already have enough saved up to cover prepaying the limo rental both ways, so that will get taken care of in the next few days. We chose to do a limo because it was actually cheaper for 7 people and all their stuff than two taxis or vanpools.

And then in March I will take $2500 for the trip itself. I think that should easily cover groceries, a few meals out and souvenirs. It's probably more than we need, but I'd rather have too much than too little and come home with money. SIL is paying for her own food for her and the girls. We are picking up everything else, but flights and the condo are long since taken care of.

Also in March we should have our taxes back. The Chase card will be at $4900 by then and our taxes will more than pay for that. (We will get a lot back because we fully used the HSA again this year and will get all of that back). We will also be getting DD's MacBook. If there is any money left it will go to the EF. Last year (and circumstances haven't changed) we got around $8750 back. $6150 is from the HSA alone. That should put the EF around $4000 to $5000.

After that I need to decide what I'm going to do. Our only two debts will be the mortgage and the van payment. The mortgage has a higher percentage rate than the van, but the house will be up for sale by then. I'm not sure if there is any point in paying down the mortgage, yet if it doesn't sell right away then there is.

I figured that we could have the mortgage paid off by September/October if we start paying $2500 a month in April. I keep going back and forth on this. Part of me says forget prepaying it, put that money in the EF and college fund instead. Or put it toward the van. It's like being on a merry-go-round. I just keep going around in circles trying to figure out the smartest thing to do.

My mother keeps butting into the house stuff. She's trying to be the one who will set the price. She's acting like she's the one who gets to okay any offers and it is driving me right up the wall. I want her out of it, but she has a way of squirming into our business and getting people to talk to her who legally should not be talking to her about any of it.

I don't particularly want her knowing A. What the amount of the mortgage is left on the house, and B. What the price is that we actually get for it. It's none of her business. She does like sticking her nose in. She wants to set the price far higher than what I think anyone will pay for it. I've seen how long houses sit on the market in that area if they are over-priced.

I love my mother very much, she has a lot of great qualities and I never have doubted that she loves me, but she is a difficult personality. She is very pushy and stubborn and manipulative when she chooses to be. I just can't figure out what she thinks she'll get out of any of this.

I will be glad when we are not living under the same roof again, even though I know I will worry about her. I am ready to worry about her from a slightly more removed area. Even if I know she will likely end up moving in with us several years in the future, it will be different. It will be her living in our home and not vice versa.

Right now she is very weird about money. She's been like this the last year. We pay for the gas, the electric, the water/sewer, the internet, and the garbage for the entire household, yet she worries about how high the utilities are. She often eats with us and spends very little on groceries herself, but worries constantly about the cost of food. She barely ever drives anywhere, but worries constantly about the cost of gasoline.

She gets $1000 from us every month as we pay back our loan, and $757 from social security. Her house is paid for, her SUV and pickup are paid for. She pays for some chicken feed, satellite TV, $100 in groceries each month, car and house insurance, and property taxes ($2500 a year) and that's about it. Her income is more than enough to cover it. She's always been a champion budgeter. Even after we move out and she takes back over the utilities (they'll drop), she'll still have more than enough to meet her needs.

I don't know why she's being so weird about money. I've even told her we will take care of her after our loan to her is paid off. She will not be on the street, she will always have enough to eat. I do have to wonder if maybe I'm seeing the beginning stages of dementia or if the two mini-strokes did more damage to her brain than they thought. It's something I'll have to keep an eye on.

Trying to Keep My Head in the Game

January 22nd, 2013 at 11:54 pm

Today has just been one of those days where I have been thinking expensive thoughts. This morning as I took my daughter to school I thought about going over to McDonalds because they have the 2 egg Mcmuffin special right now. I am not sure why I thought this. I have not eaten food from McDonalds in almost a year. But it seemed enticing this morning and the egg Mcmuffin is one of the few breakfast items there made with actual eggs and not liquid egg product. I did not do it though.

Instead I came home and DS and I made sustainably grown bacon and scrambled eggs fresh from our own chickens and toast from homemade bread. And it was the best breakfast. In no way would that breakfast sandwich have compared to it.

At lunch time I again thought about going and grabbing some burgers. But we had leftover bacon from breakfast so instead I made some toasted cheese and bacon sandwiches and some fries. And again, it was simple, but so delicious.

Then after school as I was picking up my daughter I was very tempted to call for a pizza. But then I thought that it would be a simple enough thing to start dough for dinner in the bread machine when I got home and make pizza for dinner instead of my planned dinner of pancakes and eggs.

I do not usually have such persisting thoughts about eating out all day long. If I had spent the money at each meal, I would probably have spent around $60 today. And it would not have been worth it. Besides, if I had spent it today we would not have the eating out money for our planned lunch out on Saturday at an Italian place. And I have been promising DS we would go there while his father was home (he comes home tonight).

So I guess I kept my head in the game, but my thoughts sure wanted me to go off track today.

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This morning after breakfast DS and I went for a walk because we are trying to get into walking shape for Disneyland. It was really foggy and really cold out. I told him in the future we would have to wait until after lunch when maybe it wouldn't be so cold. Or else we would have to take turns on the treadmill. The highest it got up to was 35 degrees F and even with my parka, gloves, and scarf it was not comfortable. And I don't want to catch pneumonia just in time for Disneyland.

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I received another $5 Amazon gift card from Swagbucks today. My balance at Amazon is now $80.

Whiteout

January 16th, 2013 at 11:29 pm

It is a really good thing that DH was not trying to get home this week and that he is working an extra week as they have been in whiteout conditions for the last few days and no planes would be able to take off and land. What is a whiteout? It's when blizzard conditions reach stage 3 and no one is allowed to go outside. Visibility is gone, all you see is white, whirling, blinding snow. Stage 2 they are allowed to go outside but they must travel in caravans of 4 or 5 trucks. Stage 1 is when you must travel with 2 trucks together.

DH sent me some pictures after he was allowed to go outside again. It is still snowing, but no longer blizzard conditions.







Even when they are in whiteout conditions and can't fully do their jobs, they still get paid. It's one of the hazards of working in the arctic.

It's been cold here, too, but nowhere on that scale. The last few days have hovered around 28 degrees F. It has been taking 20 to 25 minutes to defrost the van every morning, even with deicer, because the inside of the window is just so cold it takes forever to unfog enough to drive. I am going to have to buy some more deicer soon.

I read somewhere that wiping the inside windshield with isopropyl alcohol can prevent that fogging over, but I've never tried it before. I think I will do that, though. Or at least look for some type of antifogger.

The days have been very sunny this week, but that's deceptive. It's just very icy. I keep waiting for it to snow here, not that I want it to, but it only brushes the tops of the foothills. Today the chickens were doing the one foot stand, like a flamingo. They keep one foot up against their fluffy warm bodies and then switch off. We put some hay down for them as that helps insulate them from the frozen ground.

My son is still running a fever today, but he looks a little better than yesterday. DD had early release today and came home and crashed for 3 hours. I hate the flu. It is just so enervating. At least I still can function.

Chickens are Crazy and 1.5 Million (No, not dollars--or eggs)

January 6th, 2013 at 04:58 am

So Queen--you all remember Queen, right? The one who sulks if you put her back in the pen if she doesn't want to be there.


Queen Sulking


So Queen has apparently noticed my absence outside in the last two days. I've been sick and so not been out to see her since Thursday. Even though the kiddos went out and talked to the flock apparently it wasn't good enough for Queen.

About 3 o'clock I hear an unheavenly racket going on outside my bedroom window. I thought one of the chickens had flown out and couldn't figure out how to get back in. That still happens with a couple of the heavier chickens. I opened up the curtains and looked out and there was Queen, who of any chicken besides Curious and Georgie, can get anywhere she wants to except the roof (that's still Georgie's claim to fame, none of the others have managed it yet).

Boy, when she saw those curtains open, she got so excited. She started jumping up in the air. She was getting a good three feet of lift with her wings and was chattering the whole time. As soon as I opened the window and spoke to her through the screen she started cooing at me. It was so funny. She settled right down and after about five minutes wandered back to the fence and hopped over. I guess she just missed our daily chats?

The girls seem to be very happy this winter, probably because it hasn't snowed yet and the ground is thawed at least for part of the day so they can still scratch. Egg production is going well. It is nice not to have to buy eggs. A few days ago I noticed the going rate for organic, free range, sustainably farmed eggs at the grocery store was $8.99 a dozen.

We're getting between 7 and 10 eggs per day. I'm going to have to take a couple dozen to my physical therapist and have SIL and MIL stop by for some, too, soon. The backlog in the fridge is getting so big.

Mom is talking about getting ducklings again in the spring. She might as well, since Fort Knox is sitting there empty, but I'm not doing them in a brooder in the garage again. They can be raised in the spare bathtub just like the first set were. It socializes them better when we can spend more time with them and pick them up more frequently and that only happens inside the house.

Speaking of ducks, Lady is doing well at her new farm. I still miss her, but she and the widowed drake are getting on famously, beyond all of our hopes. We'll try to go visit her next weekend if I am better by then. I miss having duck eggs for cooking, but I'd much rather she be happy.

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There isn't much to talk about on the financial front right now. Everything is ticking along on autopilot until 1/11. That's a good thing, I guess. And it'll give me time to finish up writing about the food stamps challenge. No, I haven't forgotten about it.

Also wanted to give a great big thank you to all of my readers. My blog hit 1.5 million hits this morning! That's half a million since April. It still amazes me how many people want to listen to (erm...read?) me blathering on, even when I wander off topic *coughs* chickens *coughs* But I am very happy that you do!

Odds and Ends

December 30th, 2012 at 09:36 am

I finished knitting DS's scarf. Yellow is his favorite color and it is a hard one to find at a store. It was hard enough finding bright yellow yarn. This one is a single thickness.



This is one I made previously and I did fringe on that one. DS didn't want fringe on his as he thought it was too girly. It's a deep rust or copper color and a double thickness as well.



Now I'm working on one for DD, but the pattern on the yarn wrapper does not actually match the yarn, which is supposed to be purple for so many rows and then black for one row and then purple again. It says fourteen per row but it really needs twenty and it does make a difference so I am going to have to unravel it and start over. This annoys me, but oh, well. Life goes on.

On Christmas DH's FIL forgot to put the turkey neck into the roaster (or maybe didn't because it was still frozen). Last night I put it in the crockpot with some water and DS and I split it for lunch. I can't believe the amount of meat on a turkey neck, I always forget. And it is so tender and flavorful. Anyway, to the juices left in the crockpot I added all of the turkey carcass bones that I'd frozen along with all of the peels I've been saving for the last few months (onions, carrots, garlic) and some celery leaves, salt and pepper and filled it to the top with water, so it is cooking down for a total of 20 hours.

Tomorrow I will make soup with half the stock and freeze the rest. I wish I had some fresh parsley for it, but I'll add some parsley flakes to the finished stock. I am defiitely planting parsley next year. Right now I'm looking at potatoes, celery, carrots, and an onion for it. I don't think we'll be adding noodles this time, just lots of potatoes. I might even thicken it to make stew. This will be the last of the turkey, so we will have used every part. The chickens got the organs. I am very happy to have had a zero waste turkey this year, considering how much it cost.

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We made a simple ice cream recipe in my new hard ice cream maker. It's definitely harder than soft serve, but still not as hard as hard ice cream from the store, but that might have been because we didn't do a custard base, we just did a simple one of 1 pint cream, 1 pint half and half, 1 cup of sugar and 2 tsp of pure vanilla extract. It will freeze all the way up overnight though and I'll see how the end result is. I haven't tasted it, but everyone else did and pronounced it good but light on the vanilla.

Their website has all kind of recipes for it, regular ice cream, sorbets, sherbets, and sauces. I'll experiment with recipes until I find ones that freeze harder. There was a note with the recipe for Champagne sorbet that said that the alcohol will make it thaw quicker, so I am wondering if maybe that was part of the issue, since pure vanilla extract is basically vodka and a vanilla bean.

I probably won't eat too much of it since I'm trying to stay away from sugar more and not become diabetec, but there was one sorbet that used strawberries and 2 tbsp honey that might not be too bad. I won't even have to wait until summer since I have strawberries from the last season in the freezer. (I usually won't buy fruit out of season because of the cost).

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Got a bill from the podiatrist, $114, for DS's toenail thing. That's for two visits and he spent a half hour with us both times. Since my podiatrist is way out of network the insurance didn't cover it. Still, he's the best and my family has an established relationship with him. Plus $57 per visit? I mean, who still does that? No one. Most doctor's charge $90 or more around here. Anyway, I mailed that off.

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DH took the kids to Kmart today. DS got two more pairs of sweatpants and one more pair of PJ's. DD got one more pair of PJ's. They should both be set now for the rest of the winter. Stuff was marked down even more than the other day. DH ended up spending $48.87. I forgot to give him the saving's card again. Oh, well. I need to start keeping it in the checkbook, I think.

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DH also picked up a prescription for himself, $2.50 and toiletries and cleaning and laundry supplies for $61.34. The latter stuff is all unscented, coloring free, natural stuff because of DS's chemical sensitivites and allergies so a bit more expensive, but we shouldn't have to buy it again for quite some time.

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DD has volunteered to cut DS's and DH's hair tomorrow. We have a clipper so it's not like you can go wrong much with that and she's getting to be as good at it as I am. I just don't want to do it right now with a swollen knee.

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I still haven't watched the Doctor Who Christmas special. I guess I am not quite the fangirl I once was in the Eccleston and Tennant years. I still hope to watch it tomorrow, though. I haven't watched anything since before Christmas. Who has time for TV right now?

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I received a $5 Amazon giftcard from Swagbucks and cashed out for another one yesterday. I think that about covers it.

A Lovely Day and Future Thoughts

December 25th, 2012 at 03:29 am

As is our custom, my immediate family (me, DH, DD, DS and my Mom) opened our Christmas presents today around noon. It was nice and laid back, everyone got what they wanted and there were no surprises. I had a nice roast in the crockpot going for dinner and accompanied it with French fries and tater tots for the kids and some green beans. Simple, easy, and a peaceful dinner was had by all. Tomorrow we will be going out to spend the day with MIL, FIL, SIL, and 2 nieces. It will probably not be as peaceful, but the food will be more traditional.

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I've been thinking about the short-term future, about 3 months down the line. By then we should have our BoA card paid off which will just leave the Chase card. That is our 0% interest card for 18 months. We have been paying $100 a month on it while throwing everything else at AMEX and BoA. It will have $5000 left on it come March.

Our tax refund will be quite substantial again this year. Part of this is due to the fact that we will be able to claim the maxed out HSA for medical once more. The other reason why we tend to get back so much has to do with how DH works. Even though he only works 15 12 hour days straight out of every 28, each pay period is taxed as if he was getting that same paycheck every week. There is some payroll law responsible for this and there is nothing we can do about it. We've tried. It's been this way for the last sixteen years.

Anyway, so the tax refund is going to be more than enough to pay off the $5000 on the Chase card. I am just wondering if it would be wiser to do that or to dump the money into the Emergency Fund and then continue to pay off the Chase card at a rate of $1000 a month, which we will have available since the other cards will be zeroed out.

I don't really like the idea of keeping that debt until August, yet at the same time it's at 0% until 2014 and the savings account is at .75% interest. Running with a low Emergency Fund has always bothered me. DH is on contract for another 3 years in an industry that is, despite the economic depression, booming, so job security is high. I know we will be able to build the EF pretty quickly once all the debt is gone.

Still, debt is debt and I hate it. We've been under it so long. I guess I have a couple more months before I have to make a decision.

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I have finished up my course of antibiotics for the UTI and it feels like it is gone. I have been back to eating protein and vegetables at each meal with the one fruit at one meal for 3 days and I started the high cholesterol drug today. I've lost 7 pounds. I am also pushing the water. I am generally feeling better than I have since my tooth forced me to stop eating right last August, though I am still tired. The newly crowned tooth is still sensitive to cold, but it doesn't hurt to chew at all now.

Tomorrow may be a draining day for me and difficult to handle regarding food, but I am planning no fruit tomorrow and instead 1/2 cup of potatoes and gravy and 1/2 cup of stuffing with my turkey and green beans. The potatoes will be real, the gravy will be homemade, and the stuffing will be made by me, so I know exactly what is in everything. I don't care for pie so that will not be a temptation.

If there are cookies or fudge I will just need to keep firmly in mind how close I am to having diabetes and that this is not an option for me right now. Fortunately I am not a big sweets eater anyway, starch has always been my downfall. Although I do like my ice cream, but that's going to have to be a once a week treat with a balanced meal from here on out.

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Happy Christmas to everyone!

Today was Lovely--Future Thoughts

December 25th, 2012 at 03:27 am

As is our custom, my immediate family (me, DH, DD, DS and my Mom) opened our Christmas presents today around noon. It was nice and laid back, everyone got what they wanted and there were no surprises. I had a nice roast in the crockpot going for dinner and accompanied it with French fries and tater tots for the kids and some green beans. Simple, easy, and a peaceful dinner was had by all. Tomorrow we will be going out to spend the day with MIL, FIL, SIL, and 2 nieces. It will probably not be as peaceful, but the food will be more traditional.

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I've been thinking about the short-term future, about 3 months down the line. By then we should have our BoA card paid off which will just leave the Chase card. That is our 0% interest card for 18 months. We have been paying $100 a month on it while throwing everything else at AMEX and BoA. It will have $5000 left on it come March.

Our tax return will be quite substantial again this year. Part of this is due to the fact that we will be able to claim the maxed out HSA for medical once more. The other reason why we tend to get back so much has to do with how DH works. Even though he only works 15 12 hour days straight out of every 28, each pay period is taxed as if he was getting that same paycheck every week. There is some payroll law responsible for this and there is nothing we can do about it. We've tried. It's been this way for the last sixteen years.

Anyway, so the tax return is going to be more than enough to pay off the $5000 on the Chase card. I am just wondering if it would be wiser to do that or to dump the money into the Emergency Fund and then continue to pay off the Chase card at a rate of $1000 a month, which we will have available since the other cards will be zeroed out.

I don't really like the idea of keeping that debt until August, yet at the same time it's at 0% until 2014 and the savings account is at .75% interest. Running with a low Emergency Fund has always bothered me. DH is on contract for another 3 years in an industry that is, despite the economic depression, booming, so job security is high. I know we will be able to build the EF pretty quickly once all the debt is gone.

Still, debt is debt and I hate it. We've been under is so long. I guess I have a couple more months before I have to make a decision.

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I have finished up my course of antibiotics for the UTI and it feels like it is gone. I have been back to eating protein and vegetables at each meal with the one fruit at one meal for 3 days and I started the high cholesterol drug today. I've lost 7 pounds. I am also pushing the water. I am generally feeling better than I have since my tooth forced me to stop eating right last August, though I am still tired. The newly crowned tooth is still sensitive to cold, but it doesn't hurt to chew at all now.

Tomorrow may be a draining day for me and difficult to handle regarding food, but I am planning no fruit tomorrow and instead 1/2 cup of potatoes and gravy and 1/2 cup of stuffing with my turkey and green beans. The potatoes will be real, the gravy will be homemade, and the stuffing will be made by me, so I know exactly what is in everything. I don't care for pie so that will not be a temptation.

If there are cookies or fudge I will just need to keep firmly in mind how close I am to having diabetes and that this is not an option for me right now. Fortunately I am not a big sweets eater anyway, starch has always been my downfall. Although I do like my ice cream, but that's going to have to be a once a week treat with a balanced meal from here on out.

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Happy Christmas to everyone!

More Gifts Taken Care Of

December 17th, 2012 at 01:46 am

DH ordered his mother's gift today and got free shipping from B&N website. It came to $39.95. His father will be getting a $40 gift card to Lowe's. My FIL is notoriously hard to shop for. He should be easy. He collects nutcrackers, but every year he goes out and buys them for himself, so even if you've perused his collection and then go to look for something unique, he's already bought it and just not put it up. Extremely frustrating. So we're not even going to try this year. And FIL will definitely use the Lowe's card.

I also ordered my Christmas present, a hard ice cream machine. I'm down to one brand of ice cream that DS and I can eat due to recent ingredient changes, and Haagan Daas is expensive. It's got a built in refrigeration unit and makes 1.6 quarts at a time. It cost $250.93 and I got free shipping. This also counts as my birthday present in February. I just combined the two budgets together. There's just not that much that I want or have space for. And if there was I have $154 of my allowance saved.

We still need to buy Christmas presents for our 2 nieces on DH's side. He's getting an updated list from his sister today. We will be doing the same thing as we did last year for his sister, getting her a $200 Target gift card.

$200 seems like a lot for one person outside the immediate family (actually, it's a lot for a person inside the immediate family, too!), but SIL has struggled mightily since divorcing her cheating ex-husband and getting custody of both girls a few years back. She works a minimum wage job and is on food stamps.

The Target card allows her to get toiletries, socks, underwear, shoes, school supplies, or other needed items, but also groceries when the food stamps are not enough. This helps her to get by easier and last year she stretched it out for several months. We ususally fill her car with gas a couple times a year, too. You have to help your own when you can.

Hopefully tomorrow we can pick up the gift cards and the presents for the girls and something token for my mother (who does not want to exchange gifts but still manages to do something token every year) and be done with it. We'll need to get our wrapping paper and bows out of storage and buy some cellophane tape. We still need to set up and decorate our little 2 foot tall tree. We don't have room for a full-sized tree in our area, but we like to have a little something.

I also need to do a photo shoot with DS. Since he is being homeschooled this year, there were no school photos done of him. I can do as good a job with him as they do, I just need to get to it, so that I can print out photos of him to go with DD's for giving to relatives. We need to pick up ink and photo paper, though. I am hoping to make a trip to Costco tomorrow and can pick up the ink there. Photo paper is cheaper at the office store next door to Costco and also has much smaller quantities, so we'll get that there.

I have almost all the food for our own day at home. We have the turkey we didn't make at Thanksgiving due to illness in the freezer. I have plenty of potatoes from what we harvested this year. I have green beans and corn. I have butter and poultry seasoning. I just need to make the bread for the stuffing the day before our meal. We may need to buy milk as well.

We will probably make our meal on the 23rd. It will be the four of us and Mom, and I will probably invite the Ice Queen as well. I really should come up with an alternate name for eldest sister as since she's come back into the family fold she's thawed quite a bit.

The Social Butterfly stopped by yesterday. I haven't seen her in over a year. I've seen my nephews and my BIL, but not my sister. We visited for an hour and then they were off. They won't be coming down for Christmas at all this year and I probably won't see her again for a year. She doesn't really like family to come visit her, especially during the holidays. Oh, well, at least I got to see her.

I can't believe the year is almost over. 2012 has gone by so fast. I am looking forward to January and the feeling of having a fresh start that that always seems to bring.

More Gifts Out of the Way

December 17th, 2012 at 01:45 am

DH ordered his mother's gift today and got free shipping from B&N website. It came to $39.95. His father will be getting a $40 gift card to Lowe's. My FIL is notoriously hard to shop for. He should be easy. He collects nutcrackers, but every year he goes out and buys them for himself, so even if you've perused his collection and then go to look for something unique, he's already bought it and just not put it up. Extremely frustrating. So we're not even going to try this year. And FIL will definitely use the Lowe's card.

I also ordered my Christmas present, a hard ice cream machine. I'm down to one brand of ice cream that DS and I can eat due to recent ingredient changes, and Haagan Daas is expensive. It's got a built in refrigeration unit and makes 1.6 quarts at a time. It cost $250.93 and I got free shipping. This also counts as my birthday present in February. I just combined the two budgets together. There's just not that much that I want or have space for. And if there was I have $154 of my allowance saved.

We still need to buy Christmas presents for our 2 nieces on DH's side. He's getting an updated list from his sister today. We will be doing the same thing as we did last year for his sister, getting her a $200 Target gift card.

$200 seems like a lot for one person outside the immediate family (actually, it's a lot for a person inside the immediate family, too!), but SIL has struggled mightily since divorcing her cheating ex-husband and getting custody of both girls a few years back. She works a minimum wage job and is on food stamps.

The Target card allows her to get toiletries, socks, underwear, shoes, school supplies, or other needed items, but also groceries when the food stamps are not enough. This helps her to get by easier and last year she stretched it out for several months. We ususally fill her car with gas a couple times a year, too. You have to help your own when you can.

Hopefully tomorrow we can pick up the gift cards and the presents for the girls and something token for my mother (who does not want to exchange gifts but still manages to do something token every year) and be done with it. We'll need to get our wrapping paper and bows out of storage and buy some cellophane tape. We still need to set up and decorate our little 2 foot tall tree. We don't have room for a full-sized tree in our area, but we like to have a little something.

I also need to do a photo shoot with DS. Since he is being homeschooled this year, there were no school photos done of him. I can do as good a job with him as they do, I just need to get to it, so that I can print out photos of him to go with DD's for giving to relatives. We need to pick up ink and photo paper, though. I am hoping to make a trip to Costco tomorrow and can pick up the ink there. Photo paper is cheaper at the office store next door to Costco and also has much smaller quatities, so we'll get that there.

I have almost all the food for our own day at home. We have the turkey we didn't make at Thanksgiving due to illness in the freezer. I have plenty of potatoes from what we harvested this year. I have green beans and corn. I have butter and poultry seasoning. I just need to make the bread for the stuffing the day before our meal. We may need to buy milk as well.

We will probably make our meal on the 23rd. It will be the four of us and Mom, and I will probably invite the Ice Queen as well. I really should come up with an alternate name for eldest sister as since she's come back into the family fold she's thawed quite a bit.

The Social Butterfly stopped by yesterday. I haven't seen her in over a year. I've seen my nephews and my BIL, but not my sister. We visited for an hour and then they were off. They won't be coming down for Christmas at all this year and I probably won't see her again for a year. She doesn't really like family to come visit her, especially during the holidays. Oh, well, at least I got to see her.

I can't believe the year is almost over. 2012 has gone by so fast. I am looking forward to January and the feeling of having a fresh start that that always seems to bring.

Payday Report for 12/14 and Ramblings

December 15th, 2012 at 12:06 am

It is a weird feeling to have an empty bill box and to have paid all of the bills to the end of the year already. I know it's been like this for the last couple of months, but I'm still not used to it. I really like it though. Instead of being paycheck to paycheck we are half a month ahead and that is wonderful. I can't wait for that to be a month ahead. And then 2 months and then 3 months, etc., as we build the Emergency Fund back up.

So the last of the bills and some miscellaneous shopping were paid out of today's payday. The breakdown is as follows:

$90.00 Physical Therapy
$41.75 Various cold medicines to replenish stock
$70.56 Internet
$44.87 Phone line Old House (for security system to work)
159.65 Propane bill Old House (was already in savings)
144.00 Water/sewer (was already in savings)
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550.83

I put $2500 into short term savings. That will cover all bills between January 1 and January 11th.

I will have two more physical therapy appointments this year so I have that money set aside.

I took out $215 in cash, but $15 went to DD for her allowance. DS doesn't get an allowance again until January (he got an advance). So that $200 should last us until the end of the year for toiletries and meals out. I have $1300 left of this paycheck, but we still need to buy presents for a couple people. Whatever is left will be sent to the credit card.

Next week's paycheck will be the 2 day paycheck and that isn't earmarked for anything yet. I will need to pay the $505 for my crown whenever they send me the bill so I'll probably set that aside out of it.

I deposited my coin jar money to the Emergency Fund and have hit my goal of $1500 in there by the end of December.

1457.42 Beginning EF
+_66.38 Coin Jar Money deposited
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1523.80 Ending EF

Christmas bonuses should be mailed out today and they usually get here pretty fast since there are so many flights a day between Anchorage and Seattle and then between Seattle and here. It might even be here as soon as tomorrow (last year it came the day after the Christmas party, which is today), but I'm figuring probably Monday or Tuesday.

I am trying not to be anxious about it. It's just that we are so close. Even if it is 5% of income like last year instead of the rumored 10% of income it will still wipe out the BoA card with a little leftover for the AMEX and then the AMEX will be wiped out by the extra paycheck in January. Our tax return would then wipe out the 0% Chase card with plenty leftover since we'll be getting quite a lot back due to maxing the HSA and spending it all this year on medical. And if it's the 10% then boy howdy it's all gone before the year is up.

I just want it done and gone. It's been so many years. I want that weight lifted off my shoulders forever.

Found Money

December 13th, 2012 at 06:20 am

Today I found what I thought was a shiny new quarter. Well, it is a twenty-five cent piece, but it's certainly not American. It's not even Canadian (which happens at least once a month, being in a border county). In fact I have a coin jar just for Canadian coins that I'll save until the next time we go to Victoria or Vancouver. It is from the Commonwealth of the Bahamas and is a very pretty coin. It has a sailboat on one side and an emblem of some sort on the other.

As for the regular coin jar, I've added $10.59 to it this week so far. Mostly in ones. I probably have enough in there to make a deposit worthwhile.

I screwed up on my food diary thing for ACOP. I entered in the first three days just fine, but then we all got sick and I forgot to enter in the fourth and final day and by the time I remembered to do it, the thing was closed. There went $8. And it probably means I won't get a good survey or product study from them for a while. It's not like I blew it off, but oh, well. What can you do?

I did get enough Swagbucks to order another $5 gift card from Amazon. Mostly because I kept the SBTV going on the side of my screen while I caught up with a week's worth of blogs, both here and in a few other places.

DS was feeling well enough today to do some schooling. We got math, science, history and vocabulary done. He had a dentist appointment today, no cavities. He has the best teeth of all of us. We think he is a throwback because his teeth are perfectly straight and don't seem to ever stain at all. His teeth are unlike anyone else in the family as far back as I have been alive to see. Lucky kiddo. And it's nice not to be worrying about starting orthodontia on him.

DD is doing better today. She didn't go to school, but she thinks she can go tomorrow. I am giving her a note so that she can use the elevator. She's still dizzy and having some minor balance issues so I don't want her climbing the stairs to the third floor. Also, I told her to call if she needs to come home. Her concussion is very mild in comparison to the one DS had in June, (I think they're starting a club or something!) but still, a concussion is a concussion. No PE for the rest of the week either.

I still need to do a payday report post. I should probably do that before the new payday on Friday. I'm not sure if I'll find the time though. I have a doctor's appointment tomorrow and will try to do a full day of schooling and maybe, hopefully, make up some of the missed lessons. We're 2 behind on Math, 2 behind on science, 1 behind on art, 2 behind on language skills and 3 behind on literature. Maybe if we just add one missed class a day tomorrow and Friday we can get the rest caught up on Saturday.

I also need to finish putting together my blog post for week 2 of the on paper food stamps challenge. And I have some thoughts about how the NJ mayor did and my own thoughts regarding nutrition and caloric requirements while living on a food stamp grocery budget that I need to finish writing up as well. I'm already seeing a couple of things that I wish I'd chosen differently on, but will take that into account when I do the 10 day menu for $40.

I haven't worked on my novel all week. Hopefully I'll get a chance to do that this weekend.

Back in Real Life--God Laughs at My Plans

December 6th, 2012 at 06:32 am

Well, this project of mine is taking up quite a bit of time, I sacrificed my novel writing hour to it, but it sure is a fun and interesting challenge. But now back to my real world for a change.

I have three dentist appointments scheduled for next week. DD is on Monday, I am on Tuesday, and DS is on Wednesday, but thankfully DH will be back around 12:30 a.m. on next Wednesday morning. I am finally getting my teeth fixed. Or one of them. Yesterday was just a cleaning.

But yeah, it's finally my turn for something. I was going to have it done this summer, but then DS was assaulted and given that major concussion and neck issues. The bill on that ended up being $3000 out of pocket. We may or may not see some of it come back but I doubt it. Thankfully we had the HSA and we'll be deducting the full amount there again this year.

Then I was about to get it done and DH broke a crown and cracked another one, so then he pushed in front of me, because you cannot walk around with a broken molar if you can at all afford to fix it. Well, now all those things are paid for so it's my turn. I told everyone else that they are not to injure themselves at all until after my teeth are done. Because I am seriously tired of soft foods. So far our portion is looking like $505.

Remember when I said there would be $521 left for me to do something with this month, but I wasn't sure what? I am pretty sure God was laughing at my plans. But hey, at least we have the money to pay for it and that is the important thing.

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I've been picking up a large amount of blog traffic from somewhere during the past couple of months. I'm getting over 3000 hits a day most days. Whereas I hit the 1,000,000 mark on April 19th, and that took me six years of blogging (well, five if you count the year I took off), I'm now close to hitting the 1.5 million mark and at the rate it's been building I may just do that before the end of the year. I sure wish I knew where it was all coming from, but I'm happy to have the readership. My traffic for last month was 111,670, but it had a weird spike in the middle with 30,000 some hits on one day that was just ridiculous, but even taking that away it was 80K. The month before was 52,895 and in July it was 34,577. I think before October my highest was around 38,000 and more were closer to the 30,000 mark.

I don't often think what I have to say is all that interesting or appealing to many people besides myself, unless I'm posting to a theme. Normally I just post for daily accountability, though I strive not to be boring. I mean the coin jar updates are just plain old tedious. I wander off topic quite a bit. I occasionally rant about things like cable television. I get silly and want to spend far too much money on things like Doctor Who action figures or memorabilia because I am that type of fangirl. Most of my posts don't have pictures to grab the eye.

But I am digging my way out of a hole built years ago, not giving up, taking it step by stubborn step. I am proving that it can be done even if it takes years and years. And maybe that's what people come around for. To see someone else who is working hard to get the debt put behind them. I am glad that there is some appeal to someone though. It's always nice to know it's not disappearing into the ether. That people are actually reading what I write. So thank you to all of you who have been bump, bump, bumping my stats along. I'm grateful to every reader I have.

No Spend Day

October 28th, 2012 at 03:19 am

It seems like I seldom have one of these anymore, but since I was too out of it to drive again today and the weather didn't cooperate with walking, I didn't go to the store and buy flour. I really must manage it tomorrow because it's hard to make a menu plan for next week without one of my main ingredients. Well, I do have whole wheat flour but I use it in 3:1 ratio (white being the 3) because it doesn't rise well if I use just whole wheat.

I'm just glad I have plenty of eggs, because they are figuring prominently in breakfast and lunch without flour to make bread. Speaking of eggs, the last two holdouts (the black Australorps) of the new chickens started laying yesterday. It's so funny seeing pullet eggs because they are so small, but they size up pretty quickly. So with those two laying we got 8 eggs today (2 duck, 6 chicken).

We have not had a frost yet. We were to get close on Thursday, but it didn't drop past 36, so my gamble to leave the tomatoes on the vine has paid off. The lowest temp in the forecast in the next 10 days is an overnight of 43 F, and that is November 5th. So I'm going to continue to gamble and try to let those tomatoes ripen. It's supposed to rain all but one of those days, so the tomatoes may not make it due to that, but I am still hoping to extend the garden season as long as possible.

The level of food in the freezers is definitely going down. I can see it visibly now. I am trying to use up the items in them over buying new because I want to defrost everything. If I am very careful with my spending over the next 6 days, I will have $300 leftover from the last pay cycle. I am going to throw it at the credit card.

I have to pay property tax on the 31st. The money is sitting in the account just waiting. This is the second time I've budgeted for it, saving $100 a month. It is nice not having to scramble at the last minute.

I have over 3/4 of a tank of gas so I am good there. Other than buying the flour and some milk and orange juice, I shouldn't have to spend any money this week before payday.

Chickens Don't Care if You Get the Flu...

October 9th, 2012 at 03:23 am

...or five prescriptions later... Well, okay probably not the actual flu, just Super Bad Sinues: The Sequel. And one of the meds is for sleep, because with the super cough (codeine cough syrup, I love you) I haven't been doing much of that. At least everything was generic and I only shelled out $17.81 for all five. Nice.

As for the chickens, well, we have had several escape artists as of late. They are determined to be free range all of the time, and not just part-time. But holes have now been patched in the fence, the gate has been fixed, and wire has been placed higher. Only two of them, Curious and Georgie, got out today. They are the lightest, smallest birds. They fly the easiest and the furthest and we will likely never be able to keep them in. Despite Georgie getting her tail feathers clipped by the neighbor's dog not too long ago, she is still determined to range, though she is sticking to the yard.

I suppose I won't complain too much about Curious and Georgie, since they are the two best egg layers in the bunch. Still, it's not like they have a small enclosure. I have seen yards that are not as big as their huge pen. But the grass is always greener and the bugs are always bigger and the slugs are always...sluggier on the other side of the fence. Well, thank goodness for patient neighbors who are charmed by them and like the free eggs they get slipped now and then.

We have been letting the ducks out a little bit to free range during the day when doing garden work, but they don't really seem to like being out. They like the fenced area and they like their miniature pond and they absolutely do not like the neighbor's dogs. They are too fat to fly and never try to escape, although Lady Henry Inigo Montoya does go off away from the other three quite a bit. She has very little tolerance for Patches and his romantic overtures.

Egg production is starting to slow down as the days get shorter. Well, the 3 female ducks are still laying pretty consistently, but we are only getting about five chicken eggs a day from twelve hens. We are thinking about putting in a light, but 8 eggs a day is fine for our needs and we will probably only do so if it slacks off to a lot less than that.

The garden is still plugging along, but the days are getting cooler. The forecast is looking in the lower 60's for the rest of the week, with rain on Friday. I can't remember the last time it really rained, June maybe, and we are in for a stormy weekend. The nights are still staying above 50 so the tomatoes are still going. Not sure how much longer I can expect that. There are tons of green ones just starting to turn color. I guess if I need to I can pick them and wrap them in newspaper and let them ripen inside. Not a big fan of green tomatoes or I'd just dehydrate them.

I have five ripe tomatoes sitting on my table that I need to figure out something to do with. Maybe I'll make chili this week. In the crockpot so I don't have to put out any effort. Or I suppose I could can a single pint. Just in a smaller pan, not my full-size canner.

I did up what I think is the last of the prunes and they are on a tray in the freezer. There might be a few more, but I'll need DH at the top of a ladder to tell me if there are anymore on the tree and he won't be home until Wednesday. I am too short to reach, but I think I still see a few up there. I was right and ended up with about 8 quart bags full (or will do when the rest of these get packed into the last bag).

I'm still getting a couple handfuls of green beans every three days or so. There are a couple of yellow zucchini struggling along and I may get two more cucumbers before the weather turns. I should be able to harvest another broccoli by week's end.

I really need to do up a meal plan for the week. I am kind of doing the whatever is easiest route right now, but that way leads to overspending. Dinner tonight was scrambled egg sandwiches and stir-fried green beans. Simple, easy, not too much effort.

DD is going to try to go to school tomorrow after being out sick for a while. Ugh. 7 a.m. Even the chickens don't get up that early right now. DS felt good enough to do all of his lessons today, though he is still feeling yucky. The nice thing about homeschooling is he is able to sleep in when he doesn't feel well and it's okay if we don't finish lessons until 7 p.m. I am not, nor ever will be a fan of Algebra, but it's really not fun when your brain feels like it is full of snot. Still, we beat it (the algebra, not the snot).

Medical Out and Other Rambles

October 2nd, 2012 at 12:39 am

I paid out $225 for medical today and forgot to get a receipt. I will get one tomorrow as I need it for the HSA. DS got his x-ray today and we will have the results tomorrow, so it's not an extra trip to get the receipt. If all goes as the doctor suspects his forward neck posture will have been corrected almost completely.

I also picked up two self-adhesive Ace-type bandages for my daughter at $3.99 each, plus tax. Lost my receipt to the wind and don't want to do the math, but approximatly $9 for that. It's not tax deductible anyway, so I don't need the receipt, but just like to keep things exact in my records. I'll do the math later.

I made a payment to AMEX online yesterday of $500.

I put $10.26 into the coin jar this week. I got a rebate check from my insurance company's safe driver thingy for $19.83. All of that will make it's way into the freezer fund.

The lady who works on my leg cancelled on me again today. She rescheduled for tomorrow. I really hope she can make it this time. It has been 3.5 weeks now and it is starting to affect the way I walk. I know she was hurt, but she has managed to see some patients, and I've been cancelled on four or five times now. I can't put off this treatment much longer. I will need to see someone else soon, or I'll be back to walking with a cane or worse, a walker. I really don't want to leave her, but loyalty only goes so far and I can't cripple myself over it.

I set up the October budget spreadsheet and have everything on track for the month.

Homeschooling is still going along pretty well, though I have had one or two days where I just wish I could bundle DS off to school and have someone else deal with him for seven hours. When DH comes home for his two weeks off shift I think I am going to just take a few hours and go to the library and sit in a chair and read and just be away. Or the park if it's not too cold. Somewhere free. I just need some serious "me" time. I'd go to Barnes and Noble, but they took out the couches and comfy chairs. It's no longer inviting. Did they do that in all of them or just our local ones?

I used to love to go to B&N and look through their cookbooks. I would buy one book, but with me a cookbook has to be thoroughly gone through for me to know I would make the recipes and being able to sit in a comfy chair and go through them carefully and gently until I found a good one. It was a nice ritual. I don't really buy books from them now that I can't do that. I won't just buy one and hope it'll have recipes I can use.

I'd like to find some animal husbandry books, particularly on rabbits, but I'm not going to buy anything I can't take the time to comfortably look through first and know it will meet my needs. Because of my leg I can't just stand there for a half an hour looking either. Take away the little things and you take away my desire to shop there, pure and simple.

Feeling Much Better

September 29th, 2012 at 01:49 am

No ear pain today and only a slightly sore throat when I swallow. That's a huge step in the direction of feeling better. Now if my nose will clear up I think I will start feeling like a human being again.

I switched things around in my menu planning and made the chicken noodle soup today, mostly because I hadn't baked the potatoes for baked potato soup and the other was easier. It turned out incredibly well. I made a couple of changes to my usual recipe, adding in some garlic powder and ground celery seed and it made it much more savory. I've finally got it to where I think it tastes better than my favorite restaurant bowl of soup, which makes me happy because I've been futzing around trying to do that for years. I think we'll skip the baked potato soup tomorrow and just have more of this. It is so delicious.

The tomatoes on the table are all ripe now so I will start the process to make them into sauce tomorrow, but not until after I make the pear sauce, which I should have done today, but didn't. I'll start it going early so that I can have the tomatoes in by 2 p.m., so they will done by 2 p.m. Sunday and canned in the afternoon. I'm going to blanch and peel this batch and see if that makes a difference in consistancy. It'll be nice to have my table back.

I've checked the 10 day forecast and only one day is scheduled to dip below 50 degrees at night, and that's just 49 so I think I'll be okay on my tomatoes still on the vine for a while yet. Days all look to be upper 60's. I was hoping for some nice days at 70 or above, but it looks like a no go. I can definitely feel fall in the air. Hopefully that won't change to winter any time soon.

The next time I go the the farm I am going to ask them if they have any soup bones for sale. I want to make a nice, rich beef broth as the base for beef stew. It's the next thing I want to master. Years ago Stagg used to make this fantastic beef stew, but then they ruined it by adding pearl onions and peas, and then they discontinued it altogether, at least in our area.

I put up with Dinty Moore for a while after that because they don't have chemicals in their stew, but then they changed it so that it had less beef and more carrots and potatoes, then they changed it again so that the consitancy of the beef was more mush than meat, and then they started shorting the carrots and putting in more and more potatoes all while the price steadily rose. Do they really think we don't notice these things? It's like when they keep the pizza box the same size and shrink the contents. Not that I buy frozen pizza anymore, but you get my point.

The last change put me off it altogether because I like my carrots to equal my potatoes in stew, so ever since I've tried to backwards engineer the original Stagg stew from memory, but so far no go. I think it may be in the base so that is what I'm working for. I did see beef marrow bones at the store but I'd really prefer to stick to the organic, grass fed, pasture-raised beef.

The one trick they cannot pull on us is that they can't make 1 pound of beef or 1 pound of carrots or 1 pound of potatoes be less than they appear to be. The price per pound is the price per pound. They can't sell you 10 ounces of ground beef in a 1 pound package like they try to do with those 14.5 ounce canned goods that used to be 16 ounces, though the cans are the same size. It's only the processed foods that they pull these tricks on. All the better reason to stay away from it, to my way of thinking.

Gift Card and Survey Money

September 28th, 2012 at 12:19 am

I had enough points today to cash out at Swagbucks for another $5 gift card for Amazon. I'm waiting for one to show up any day now and then this one will show up in a week. Right now I've got $25 in gift cards in the account and have received a total of $35 from them. I wish I hadn't let DS do the ordering when he ordered his book because he accidentally wiped out that first $10 of gift cards I was saving, but there's no use crying over spilled milk. It's building up again and it looks like I might be doing about $25 a month worth of gift cards from them. If anyone is interested in doing Swagbucks who is not signed up, there is a referal link in my sidebar. I spend maybe 10 minutes a day on them, so $25 a month feels like a decent return for it. This is all earmarked towards my daughter's MacBook fund.

I should be able to cash out at American Consumer Opinion Panel soon. It should have been today, but it's still sitting there pending. That will be a $14 check when it's finally available. I like them a lot compared to other companies, even if they don't have a referral system. They have good surveys, but it is hit or miss sometimes on whether or not I qualify. I tend to go through a month or two where I qualify for everything and then it'll be a dry spell where I qualify for nothing. Oh, well. Every little bit helps. It's earmarked for the freezer fund.

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Homeschool went great today. It's the smoothest day yet and we were able to get everything accomplished in four hours. I know not every day will go like this, but it goes a long way towards making me think we're going to be just fine.

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I feel a lot better today. My ear still hurts but it is now a dull ache instead of raw, open fire. And my throat only hurts when I swallow and not all the time. I am still coughing, but that's better, too. Now if I could get a full, good night of sleep I think I will be well and truly on my way to getting over this thing.

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We got 12 chicken eggs and 3 duck eggs today. That means every single female bird laid an egg today. I'm not sure that has ever happened before. Pretty cool. We gave my in-laws 3 dozen eggs yesterday and I will take a couple dozen in when I go to see the woman who works on my leg and the receptionist who works at the office there.

I think I'm going to have to make a quiche and a frittata and another meatloaf this week. These all make great lunches and breakfasts, something easy to warm up without stopping to cook while doing homeschool or for DD to take to school.

As soon as I feel good enough I am going to do some serious baking and use up some of the duck eggs. I'd like to make a batch of soft pretzels and a batch of cinnamon rolls for the freezer as well as saving out a few of each to eat now. I'll also make a batch of cloverleaf rolls to eat instead of bread, since it uses eggs and my bread doesn't.

I might even make some egg noodles. And a couple batches of peanut butter cookies, since I have two cups of natural fresh peanut butter in the fridge. But that's definitely next week. Maybe some of it on Sunday. We'll see. I just want a stockpile of baked goods in the freezer for when I get sick again. I've managed bread and pizza dough this week and that's it. Makes me feel like I'm slacking, but I'm not going to push myself when I feel so icky. Not worth it.

I Guess It Sort of Counts as Saving Money

September 27th, 2012 at 05:39 am

Well, I cancelled my dentist appointment for tomorrow. My ear still hurts too much and my throat as well, to sit through a cleaning and after having been on antibiotics for over a week with no progress, I'm sure this is a nasty virus. I didn't want to get them sick there, so I've saved or at least put off, the cost of a cleaning this month. I go three times a year due to some damage caused earlier in life and the third appointment is not covered. I've rescheduled to mid-October, which shifts the payment to a better month and hopefully that gives me enough time to get over this forsaken thing.

Oh, it is better than yesterday, though so hopefully that means I'm on the upswing. Yesterday was "oh my gosh, I think I'm going to die from this ear pain, will it never end," and today was "I think I'll live but I'm not going to enjoy it." LOL So a tiny bit of progress. At least I have my sense of humor back, right?

I have missed three weeks of seeing the woman who works on my leg due to her car accident, so that $90 a week has eased things a bit. She called me today and we've tentatively scheduled for Monday, but with the understanding that either one of us was likely to cancel depending on health or injury status. It was good to hear from her. She's become a dear friend over the last couple of years and we chat non-stop when we have a session.

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Homeschool has gone much, much better this week. We are getting through things better. Math and literature take more than the allotted time, but the other subjects go faster so it all evens out. Today we only put in a half an hour more than the required time and I can see that things are beginning to go more smoothly on DS's end as he gets into the swing of it. I am pretty sure neither one of us is going to go crazy now.

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The garden continues to chug along. Today I picked green beans, tomatoes, a kohlrabi, and some more prunes. The broccoli is getting bigger right on schedule and there are several tomatoes getting red and another kohlrabi that will be ready soon.

The pears on my table are now ripe so I will try to make and can the pear sauce tomorrow, though all I want to do is just bite into those lucsious things and eat them straight. Must resist. There will be more for that.

About half the tomatoes on the table are ripe, too. I hope the rest get there before I need to do something with the ones that already have because I don't want to make two small batches of sauce I want to make one big one.

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I am making chicken stock overnight in the crockpot. I've got 4 chicken carcasses and a bunch of vegetable peelings that I've been saving in the freezer as well as a fresh leek and some sad looking but still decent parsley and other herbs from the garden. In the morning there will be beautiful, delicious broth for mere pennies. I may end up doing chicken noodle soup tomorrow instead of pizza because of my throat. I have some diced, cooked chicken in the freezer I can throw in to make it pretty easy as well as some fresh veggies I can chop and let simmer all day tomorrow. If I have enough leftover stock I will can it, otherwise I will freeze it.

And I think that about covers it.

Life Goes On

September 11th, 2012 at 03:08 pm

We seem to be getting into a good groove with homeschooling. It makes me hopeful that when we get our actual curriculum that things will go smoothly.

I think I am finally over the stomach virus that has plagued me off and on for the last month. At least I hope so. It's been exhausting.

DH comes home tonight at midnight. It'll be nice to have him here. Maybe he can figure out something for us to do for science while we are waiting on the curriculum to arrive.

DH was approached about a possible job promotion. Not officially or anything. More if the guy they offered it to doesn't take it, if he'd be interested in it. And then it would have to be run through channels to see if all the higher ups would approve. It's not something I'm holding my breath over. It would mean a gross raise of $3850, probably closer to $2850 after taxes or about $275 a month in take home pay. The extra would certainly be nice, but as slow moving as things usually go it could be a year or two down the road anyway.

Chances are that the guy they offered it to is going to take it anyway. But again, the idea that they would consider him for this position at all without him even applying for it and think he could do it, is good. It means they have faith in his abilities to take the next step up. We'll have to wait and see if anything comes of it, but as I said, I'm not holding my breath.

Rambling

September 9th, 2012 at 11:06 pm

After doing my grocery shopping today, in which I spent $45.96, I had enough money left in the checking account to pay a couple more bills, so I went ahead and paid the phone bill for the old house, $44.87, and the internet bill of $70.56. There is enough left for my medical appointment on Thursday, and I have $20 in my wallet for milk which I will need to buy on Wednesday when DH comes home and possibly crackers.

I recieved the bill for the glasses today, $815.23. It is 90 days same as cash. I will pay $215.23 this month and $300 for the next two months. Fortunately starting in October I will not have quite so much money tied up with medical. I paid off the dental on Friday so that will free up that $300 a month for the glasses. I only have 2 more payments to make on DS's forward neck posture treatment, so the final payment will be made in October. In November, that $500 a month will go back to paying down the credit card. Maybe we'll finally see some progress then. Right now we are just pretty much standing still.

DH is supposed to be checking into orthodontia for me to see if this insurance covers it or not. I'm thinking about getting Invisalign for myself if it's not too expensive. I've got a gap between my front teeth that didn't used to be there. The dentist thinks I'm tongue thrusting at night and it's causing it. Anyway, I don't like it. But it's a vanity, so if insurance won't cover it or if it costs too much it'll have to wait until the credit card debt is gone.

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I noticed both of the billing statements for my phone bill and internet bill were ridiculously fat. There was no logical reason for them to be so fat. They should both be a single page, since the phone bill is a plain line for the security system and has no special add ons or long distance service, and of course the internet is pretty straightforward.

No, the reason it was stuffed so full was because both of them had 3 pages of what Xfinity offers for cable. Umm...I don't have cable. I don't want cable. I don't need that info. Plus each bill had a full page devoted to *drum roll please* eco-billing to save paper. Yeah, right. Way to go on that one, Comcast. And I'd totally do online billing if their website didn't crash every time I tried it. And I don't believe they really care about it that much, either, because if they did, they'd let me get one bill even if the phone line is at a different address than the internet service. They are both still sent to one address to be paid.

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Caffeine withdrawal is no fun, but I am making it through day 2 of no soda. Go me.

A Little Walk Around the Place

August 26th, 2012 at 01:59 am

I went out to harvest a few things and check up on a few others, and ended up walking an entire loop around the property.

The tomatoes are starting to come a little faster and the green beans remain steady.



Believe it or not, we still have blueberries, but they are finally winding down. Did you know chickens can jump vertically? There is nothing funnier than a chicken trying to reach blueberries three feet up in the air. I think we have another week and they'll be gone, so I better hustle and get the last of them picked.



Two types of apples are ready to be picked. I think I will make a big batch of apple sauce this week and can it. I have also read about canning sliced apples so I might attempt to do that as well.

The Italian prunes are turning purple. I think maybe another week and they will start to be ripe. The tree is so loaded with fruit. After last year with barely a fruit to be seen this will be a very nice harvest. I will dry some and can some, but most will be consumed fresh and in large quantities.



Patches loves the little pond. I swear ducks are the filthiest things though. We spray that pond out every morning and fill it with fresh water. It doesn't stay clean long!



He loves you to spray the pond with water. You can see the water literally rolling off the duck's back here. I can totally see where that expression comes from.



The two female ducks and the other male duck do not like to be sprayed, but they love to grub in the mud. We keep the whole section muddy for them. The chickens enjoy grubbing in the mud as well. I am not sure how Ecru manages to stay so white when she is constantly in the mud scratching.



Silver and Patricia love playing in the mud, too.



Queen is feeling better today but she is not up for the mud and was hiding out in the coop. I gave her a few blueberries.

My bell peppers are starting to turn color.



And I think we have the fattest squirrels around. They know there is plenty of fruit and chicken feed to eat. Between that and the neighbor's hazelnuts, they will be well set this fall.

Best Laid Plans--No Eating Out Challenge Day 4

July 31st, 2012 at 05:01 am

I ended up having to swap today's dinner with tomorrow's. The bread was starting to mold. How DH and DS did not notice this at breakfast or lunch I do not know, but I noticed it, so out it went to the compost bin. There were only six slices left, the perfect amount for dinner sandwiches for me and the kids (DH is on his way back to Alaska), but sadly it had to go. I think maybe the heat is making it not last as long as it did when it was cooler.

So we had spaghetti with plain tomato sauce and hamburger (I didn't feel like taking the time to do meatballs or my special sauce) and fresh berries from the yard. No garlic toast because of no good bread. I didn't even make a vegetable, but no one was complaining. We like simple spaghetti even if we like fancy spaghetti more. Part of my brain was saying just go out to eat. I wish that would go away, but it does crop up a lot when I am tired, which I am really tired today. Fortunately I had my challenge to fall back on and made it through day four of no eating out just fine.

I will make a loaf of bread in the morning and we will have our sandwiches for dinner tomorrow. I ended up buying a yellow bell pepper today when I picked up a gallon of milk, instead of a green one. They had no organic green ones and the red ones were not very uniformly ripe. The yellow ones were perfect. So I will have yellow bell pepper slices on my sandwich tomorrow and later this week on my pizza.

The nice thing about planning out my meals for the week is that I can switch them around in a pinch when something goes wrong, like moldy bread.

I think I may can blueberry jelly tomorrow. I have to pick the bushes tomorrow morning before the birds (not our chickens, but wild birds) get them. They are loaded and they are too much of a temptation to the sparrows and chickadees if left too long.

Today I picked some blackberries. I am working towards filling up another gallon size baggy in the freezer. So far there is just today's pint. There are still a lot of red and green berries on the canes so I know they will get there eventually, but it may be a week or two before I have enough to make more blackberry jam. By then I am hoping that the Himaylayan blackberries that grow wild behind my chiropractor's office (and don't get sprayed) will be ripe and ready to pick.

Other than picking a few berries it was a pretty lazy day. I just didn't have the gumption to do anything much. I hope I'm not coming down with a cold. My throat was a tinge scratchy this morning and yesterday morning, but got better as the day progressed. It could just be allergies. It's been about 12 weeks since I've had a bad cold and I'd just as soon keep up that record since I had such a horrific fall and winter with illness after illness.

I did spend a lot of time going over the absentee voter's ballot. We have a lot of folks this time I knew nothing about so I researched them to figure out who to vote for. I also put together a documentation packet to send higher up the school's food chain. We are still getting the runaround by the lower level administration in regards to my son's concussion that another student gave him second to last day of school, so we went higher up. Don't know if it'll do us any good at all, but I'd like to at least know we are being heard.

Financially, I added $2.65 to the coin jar. Not really a money day otherwise.

House Stuff

July 30th, 2012 at 09:48 am

I hate nights where I have insomnia. Or at least "not tired enough to fall asleep until it's really late-ia." We spent a good portion of today out at the house determining what we wanted to keep and what was going to be hauled to the dump of the stuff in the yard and shed. We locked up what we are going to keep and everything left is going to be junked. It's probably 4 pick up loads worth of stuff that will never be usable, like the 2 extremely heavy bags of solid concrete that got rained on. They used to be powder. Or the patio table umbrella that somehow managed to grow an entire layer of something green and fuzzy.

We ended up basically keeping very little. I'm not sure how we ever accumulated so much useless stuff. Having lived in 1000 square feet for the last two and a half years has given me a lot of irritation at our formerly cluttered life. And I am not looking forward to going through the stuff in storage, though that will be our next step, because the smaller the unit we can get into the less we will have to pay.

The guy who wants our car is going to put in $1000 worth of labor in fixing up the old house for it. We will buy the primer, but they have a bunch of leftover paint from other jobs that their boss just gives away after a house is done and that will be free. They already have all the equipment. They will tape and mud and fix some small holes (nail holes, when we changed out the thermostat and put it at the other end of the house) and paint the inside and when that is done we will have the carpets cleaned. The one guy says he has seen carpets in worse shape than ours come back great with professional cleaning so we're hoping we won't have to replace the rugs.

They are also going to take all of the junk we sorted out today to the dump and get the yard ready for sale. He's got a guy who wants to tear down the carport, which is falling down, for free, so he can have the wood. He'll also take all of the greenhouse demolition wood and the broken fencing away.

They want to paint the outside of the house, too, again with free paint from other jobs and they will spray it as they have that equipment.

The other guy is getting estimates on the broken window pane repair and on how much it will cost to replace the four doors and one door frame that need replacing. And also where we can get replacement sliding doors for the closets and how much.

And they want to do all the yard work needed to fix it up. They know we can't pay a lot because of my son's medical bills right now, but it sounds like as long as we pay for the supplies they can't provide, any additional labor costs can wait until the house is sold. I know the head guy is doing this because he really likes my mother, but I don't want to get too far beholden on a house we may not make much from at all.

I really would like to get moving on this and get it on the market, but I want to pay as we go, too, which may not be possible at a quick rate. But I think just getting the house painted is a step in the right direction.

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As for steps in a different direction, two of the houses that we have had our eyes on for a while both had substantial price drops. The one house, which is pretty much perfect except for the location (which is not a bad location, it's in our chosen school district, it just is not where exactly I want to be) dropped it's price today to $200,000. Which would be a really nice mortgage to have for a house with it's square footage and yard. The only thing I don't like is that I have noticed the neighbors are creeping their stuff.

They are parking one of their brokendown cars partially on that property and their junk is also creeping over. The house has been empty for a while and I don't really want to have neighbors who start taking over bits and pieces when you aren't looking. Plus there was so much clutter in their garage and the yard seemed trashed. All the other yards in the area seem fine, but I don't want bad neighbors. I've had them once and I will not knowingly buy a home next to them.

The other one which is a block outside our desired neighborhood and is only outside it because it is across from the freeway and the noise is loud, was $330,000 when it was taken off the market after a year several months ago, and it came back on the market at $300,000. It is a perfect house for us in a better area. Handicapped accessible, handicapped bathroom shower, a large yard for gardening, a big garage/shop. You can't really hear the freeway from the back yard and it's pretty quiet from inside the house, but it is very loud in the front. All of the bedrooms are in the back though and we've lived with road noise when we lived in the country next to a highway. But I still think it's going to drop more.

If our house had sold and we had the downpayment in hand we'd make an offer. It would be closer to $225,000 to start with, going up to $250,000. I can't say with the road noise it is ever going to sell for more than $275,000. Considering how long they've been trying to unload it, it's just been vastly overpriced. It's also on a dead end, not easy to give directions to, and behind a crematorium/funeral home so it can't sell like the same house picked up and moved to another location and they have to accept that. Once they do I think the price will fall again. When it does, I hope we can take advantage of it.

I told DH today though that I really want to have at least $30,000 in the emergency fund before we start saving for a downpayment. I don't want to go without it.

He said there might be a possibility of him working an extra week. They had fired two people in documentation (they were alternates) and have not rehired replacements even though it's been months and he's sort of been doing both his regular job and the job of the person who is gone. And the second job is falling behind because he has his hands full with his own job. So he may see an extra week of work. Which financially would be great. It would give us enough to pay off the last $1500 of DS's medical bills and still leave us with some money for the house renovations. But I remember how hard 3 weeks on were on everyone including him. And that was 3 on/3 off, not 3 on/1 off. Yes, the money might be nice, but we would muddle by without it to the new year when everything will get easy again. At least I hope so.

Coin Jar Update and Freezer Fund

July 14th, 2012 at 10:16 pm

I added $8.02 to the coin jar today. It's ultimate destination is the freezer fund.

I think the freezer under our fridge is either going out or either needs new...um...weather stripping. I forget the actual word for it, but the rubber that helps make it seal. Is that a gasket or something else? Anyway, lately whenever I open that up it's like being greeted with a little bit of snow.

It doesn't seem to be harming the food any, but I'm not sure if that is a repair you can make yourself or if you need to hire someone to come do it. I don't even remember where we bought the fridge. I'm thinking a local, family-owned place in Lynden, who does do house calls way, way, way faster than Sears, and I'm pretty sure I was boycotting Sears appliances by that time anyway because of getting repair people out to fix their stuff taking so long.

I think I'm going to stop putting money into the vacation fund starting next month and take that $100 a month and put it into the Freezer Fund instead. I have enough in the vacation fund now to pay for our planned trips to the science center, to the zoo, and to the county fair. I'm also going to stop contributing to the Mac Book fund for right now. DD knows that she won't be getting it until senior year anyway, so there will be enough time to make up for that.

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Went swimming again yesterday with the kids. Did 26 laps, or half a mile again. A little sore but not after last time. My clothes are getting pretty loose. I have some smaller shirts that I am going to have to break out soon because the formerly tight shirts are starting to swim on me. I don't want to buy new summer stuff, though. It'll be fall soon and I have some fall clothes that are smaller and will fit. Will probably have to buy 2 pairs of jeans though. All of my old Disneyland shirts are fitting now, no more snugness at all. I love that, because I had a lot of t-shirt souvenirs. And it means I shouldn't have to buy new shirts for a while. Maybe a nice blouse I can wear for Thanksgiving and Christmas, but not much else.


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