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Payday Report + Haircut + Mom + Murphy + Food Waste

March 10th, 2018 at 05:13 pm

Well, I did it. I got my hair cut to my collarbone. It was a foot or so of hair taken off. I had it thinned and layered and the curls are just crazy bouncy now. I am very happy with it. I can't remember being this happy with a haircut in a couple of decades. It is easy to care for and simple to style, though it takes more time than just braiding it or putting it up in pony tail. It just looks so nice that I don't care if it takes me an extra 10 minutes to curl it around my face.

Mom is home from the hospital and doing very well. She is only taking Tylenol for the pain and hasn't needed anything else. She is getting around very well and able to do much for herself. I am so happy. This is way easier than the shoulder surgery or the knee surgery.

We had quite a lot of overtime on the paycheck yesterday. As quickly as it comes in it is gone.

$255.00 Tithe
_474.36 AMEX (in full)
__56.61 Garbage (2 months)
_876.93 BoA Visa (in full)
_124.75 BoA MC (in full)
1000.00 Citi Visa (not in full, but not due until 4/3)
$2782.65 Total Money Out

This is over the amount of the paycheck. Mom and MIL both reimbursed us for stuff we bought for them so we had an extra $310 in checking from that.

As for Murphy, DH got a flat tire. He got a piece of metal in the tire. He's down at the shop now seeing about the repair. I don't know how much it will cost or if it will cost anything. Tire shops are weird that way. Sometimes they fix flats for free, depending on how bad the damage is. I am hoping we won't have to get new tires. This is on his father's truck that we technically have inherited, but we haven't taken the title to it yet. MIL is going to pay off the loan on it when the life insurance money comes in, but it hasn't yet. After that, we will take ownership of it.

If we have to buy new tires we will buy them from Costco. Still the cheapest place for tires I've ever found and good quality ones, too. I have loved the ones they put on the van. They drive very well. But I sure hope that expense is not one we have to shell out for right now.

DD's bed broke. The box spring and the frame collapsed. It's an old bed, a hand me down from my mother. We can't afford a new bed now. MIL has a bed we can take, but it has to be excavated first. She has so much junk in that room. The bed is covered with it and the path to the bed is covered with it. FIL was a real pack rat and MIL still is.

So after the tire is repaired, DH and DS will take the truck out to MIL's and try to get the bed out.

DD's surgery is scheduled for the 9th of April. We have to have $300 paid before then. Her deductible is $500. She's met some of it, and will meet some more with the pre-op appointment so $300 is what they reckon will be left to meet. The doctor's portion of the surgery itself costs $5449, but we won't have to pay all of that. The surgery center is supposed to get me a quote on their portion. I don't know about the doctor who administers the anesthesia. I believe our out of pocket is capped at $3000 per person. It might be $5000, though.

We still haven't been able to get the HSA to issue a corrected form. I think at this point we are just going to put the proper amount on the taxes and keep our fingers crossed that no on notices that proper form isn't there. And if we ever have an HSA again, it won't be there because they really don't know how to pull their heads out and do their jobs.

Otherwise, still muddling along. Still thinking I need to make up a meal plan, but still not doing it. I ended up throwing out a lot of veg and leftovers this week and so I really need to get back on top of the food waste issue. I kind of really let things go for a couple of weeks. I need to not do that, because is just wastes so much money. Some went to the ducks, some to the compost, and few things had to be binned.

I have been watching a show this week called Eat Well for Less. It is British. I found a couple of episodes on youtube and a few others elsewhere. It's a really good show. It focuses on fixing a family's food budget. It deals with brand addiction, food waste, picky eating, shopping without checking the pantry and fridge first, everyone eating different meals instead of the same meal, all of that stuff.

I found it very informative. And it gave me the incentive I needed to try to get my act back together again. I've got all my veggies that were left after cleaning the fridge prepped and ready to go so that it can get used up this week and not wasted. I am going to plan my meals around that when I finally sit down and make my meal plan tonight.

I don't need to buy any meat this week. I may need to buy salad greens and bananas, but I may hold off on the bananas because we have plenty of oranges and apples. I'd like some blackberries, though. Oh, I've got some freeze-dried ones. Those will do nicely. We have freeze-dried bananas, too, if it comes to that.

Payday Report

March 4th, 2018 at 07:32 pm

It was nice having a little extra money in the paycheck on Friday. I like it when DH has the opportunity to earn overtime, especially since such a large chunk of pretax money is used to pay for insurance. I haven't been very good about posting the payday reports this year, so I am going to try to get back to doing that every payday.

$1000.00 to Citi Visa
__176.65 Tithe
__500.00 March Utilities to Mom
___56.83 DH Life Insurance
___45.30 Me Life Insurance
$1778.78 Total Money Out

We spent slightly more than the paycheck, but there was $65 left in checking from the last paycheck.

I also got some reimbursement money from my mother for some stuff I picked up for her at Costco and then found a check in my purse from MIL from some stuff we picked up for her as well, so I got those in the bank of Friday. That was $310, but will go on the credit card, since we charge all expenses and then pay them off each month before interest hits.

I hope this coming Friday's pay will allow us to put a little into the emergency fund. It will have 26 hours of overtime on it.

Payday Report and Bonus

December 22nd, 2017 at 08:45 pm

Today was payday and included in the envelope with the paycheck stub, which they mail out, was a $100 Master Card for Christmas. I wasn't expecting any such thing as DH has only been working there for 3 months. It was a pleasant surprise. We will be using it to pay for gas, since we are changing storage facilities and will be spending the next two days getting as much moved as possible. The storage unit is still leaking even after they supposedly fixed the roof.

We are getting an 18 x 10 and a 10 x 10 at the new facility. Total monthly cost will be $250 as opposed to the current cost which is $484, a savings of $234 a month. I wanted a 12 x 30, but they didn't have any available. I am going to see if they will let us skip the insurance. With the stuff with the current insurance, I am not sure we will ever see a payout and quite frankly it will probably be easier just to eat the loss, considering there is a $200 deductible and they are just difficult to deal with. Calculatedly so, I presume.

Anyway, the payday report is pretty small. I just paid 2 things.

$1400.00 to Citi Visa (paid in full each month)
+_549.19 Medical Bill
$1949.19 Total out

Some of this was money I already had in the checking account. With overtime DH's check was $1739.90. I currently have $94.07 left in checking. Citi is higher because we put a large dental bill on it, so I will have to make a payment on it next week as well to get it paid in full before the 1/3/08 due date.

I realized that I wrote out the check to the chiropractor last week, but I forgot they were going on vacation and would not be back until the 8th, so our next month's family plan is not actually due until then. I will void that check and dump it back into the checking account. I will pay the tithe out of that and the rest can just sit there. I will pay that bill out of 1/5/18 paycheck. So that tithe will be $173.99.

Next week will be a large payment to Citi again, the life insurances, and tithe. I will need to scrape up some money for the oral surgeon in January so my daughter can get her implant. I don't know how much that will cost, but I imagine somewhere between $1000 and $2000. Hopefully closer to $1000. Even if we had insurance it wouldn't cover that. It may have to come right back out of the Emergency Fund.

I got my payment from youtube today, so that was nice. I'll dump it into savings with the rest of my earnings. They are earmarked to go into an IRA.

Payday Report--First Paycheck from DH's New Job--Plus Thoughts

December 16th, 2017 at 03:04 pm

$1647.79 Paycheck Amount

Money Out:
+_164.78 Tithe
+__91.05 Internet
+_275.00 Chiropractor
+_100.00 Best Buy (18 months same as cash)
+_500.00 Emergency Fund
+_120.00 Car Insurance Fund
+_100.00 College Fund
-_250.00 Mom Loan Payback

Amount Leftover: $46.96

The extra money will simply carry over to next week. I don't have much left to pay this month, but the Citi card is due on the 3rd. We put all of our groceries, storage, and some of our medical on that. So the next two paychecks will be earmarked for Citi and the other first of the month expenses. It is a little weird getting used to budgeting on a weekly basis instead of a monthly one, but we'll stay out ahead of things and do just fine. The micro-manager in me will be very happy.

We purchased a new computer for my son on the 18th months same as cash no interest plan at Best Buy. He needed it for his homeschool, his old one is 8 years old and was so boggy it was nearly useless at this point, he wasn't able to do his math program on it or his French, because it kept crashing. He wanted a more expensive computer than our budget allowed, so we worked out a deal. $500 of it was our portion and how much we spent on my daughter's last computer, then additionally part of it is his Christmas present and part of it is his birthday (in March) present. Then he is paying me back $250 out of his allowance for the next 10 weeks. So I will be making payments of $100 a month until that is paid off, maybe more if I get impatient.

I made my first loan payment to my mother in a long time. It was only $250, but I feel so good about it. I also restarted the College Fund. Only $100, but that is something. It was nice to be able to tithe again. With no income coming in, there is no money for tithing. The Car Insurance Fund is for us to save up 6 months to make the payment in full, but I got started on it late, so instead of $80 a month for 6 months, it will be $120 a month for 4 months, since it is due in March.

I feel like I am on track and making progress again for the first time in forever.

Payday Report for 10-6-17

October 7th, 2017 at 10:09 pm

$1867.89 American Express (in full, as per usual)
__475.00 Best Buy (Paid off 12 months same as cash)
__102.13 Life Insurance for DH and Me
__500.00 Mom's Utilities
__196.35 BoA MC (in full, as per usual)
___20.00 Food Bank donation
__477.78 Medical
$3639.15 Total

A little of this money was carry over from last payday. I did also reorder two boxes of checks, but forgot to ask them how much. It doesn't show up in my bank account until the day they are shipped, not the day they are ordered. It's usually around $15 for a box. We don't go through checks very fast since we started putting almost everything on the credit cards and just paying them off, but I wanted to get it out of the way before we have to start living on our savings again. It's not like they won't get used eventually.

This coming week my daughter has a physical therapy appointment and I have one. My son has his physical. My PT is $90, but I don't know how it will work for DD. I pay my own out of pocket because it is no longer deemed medically necessary, but it is what keeps me walking so it kind of is. What they really meant was the insurance didn't want to pay for it anymore and they didn't think there was anything further they could do, despite the facts that the sessions keep me from being crippled. Every time I have to skip a week things get bad. I've tried to not go and I end up using my cane and curled up in pain must days, so I deem it necessary. Don't know what will happen once we can't afford it anymore, though.

We have a $30 co-pay for regular doctor visits and $40 for specialists. I have no idea where her PT will fall, because sometimes specialists are not considered specialists. So it could be $70 out for them or $80.

Also, I know in the past that this company likes to wait until the full set of therapy is done before charging it, but I don't like that as it means a big bill at the end instead of paying as you go. But that was back in 2011 so things may very well have changed since then. I will have to wait and see, but I will ask about it when I take her to the first appointment.

I have no other spending that needs to be done this week, so other than going to the grocery store to get milk, we should be good.

Payday Report for Last Two Paydays

September 25th, 2017 at 04:22 pm

$5413.65 Citi VISA
__147.38 Dental
__452.88 Car Insurance (6 months)
__180.00 Physical Therapy
___60.00 Medical
$6253.91 Total Paid Out

I put the eye exams and glasses on Citi and BoA MC respectively. DD is building her credit history and is a signer on the MC. All credit cards are paid off in full each month. I am still running all groceries through the Citi or the AMEX depending on what store I shop at. Most incidentals as well. And prescriptions. BoA Visa is specifically for DH's work travel expenses, hotel, air fare, cold medicine from the commissary.

We are fully switched over to Ting now. It looks like our monthly bill will now be $50 instead of $137. DH decided to take the leap, too.

DH will be getting a reimbursement check from work for having to change his flight last minute when they wanted him to work longer. They pay the difference. Eventually. I think he said it will be $400. He is going to try to do the phone deposit thing again. Last time it didn't do so well, but last time he sent it from a dumb phone. It should not be so difficult with a smart phone. I'll probably just keep that around for the 1 day on the paycheck week.

Payday Report for 9/8/17

September 10th, 2017 at 01:04 pm

We had/will have a lot of medical stuff this week. I think we are pretty close to hitting the deductible, though. A small amount of this was from money leftover from last payday. The Citi card is a partial payment and a larger one will be made to them next payday. We still have carried no interest by running our cards this way.

$300.00 Medical
$150.00 Best Buy (No interest same as cash)
$148.26 Medical
$500.00 September Utilities (water/power/gas)
__70.26 Garbage (2 months)
$650.78 BoA Visa (In Full)
__94.82 BoA MC (In Full)
$825.81 AMEX (In Full)
__71.41 Internet
$207.79 Chicken purchase from local farm for freezer
$300.00 to Citi Visa (Partial)
__90.00 For Upcoming physical therapy this week
__40.00 For Upcoming Neurology appt
3449.13 Total Money Out

Payday Report for 9-1-17

September 2nd, 2017 at 09:28 am

I have been running most household expenses and a lot but not all of the medical expenses through credit cards. It makes it easier when payday comes to just pay the cards off in full. Most household expenses go on the Costo Citi card, most medical expenses go on the AMEX except for those companies who do not take it, as well as Netflix, storage, rare meals out, and cell phones, and all of DH's work travel expenses like plane tickets and hotels go on a miles card. The due dates are spaced through the month with the 3rd, 14, and 22nd so that works out nicely.

This is what I paid from the first paycheck in this cycle:

$2826.72 Citi Card
___56.83 Life Insurance DH
___45.30 Life Insurance Me
___90.50 BEP (Medical DD)
__120.00 Cash for Allowances and Gas
___40.00 BEP (Co-Pay DD)
___11.07 FCN (Medical DD)
___90.00 Next Wednesday's PT
$3280.42 Total Bills Paid

I gassed up the car. I had 4 points and paid in cash so got a total of 50cents per gallon discount, which put me at $2 a gallon.

Payday Report for 8/11

August 11th, 2017 at 05:24 pm

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

I Can't See the Sky

August 8th, 2017 at 12:40 pm

It's been 12 days since I've been able to see the sky. The smoke haze from B.C. is so bad it is like a ceiling of dirty white overhead. Not like when it is overcast, then you can still see clouds in various shades of grey and white. This is like a lid has been shut over us. Washington state has the worst air quality in the nation right now. Unfortunately, I am having to use my inhaler. It is messing with my lungs.

You take it for granted, seeing the sky. Not seeing it for so long is making it seem claustrophobic, like we are closed in. I can feel it at the back of my neck, making me want to raise my shoulders up and inward against it. I know it is psychological, but the longer it continues, the worse it seems. It makes me feel like I'm in some kind of sci-fi movie where the sky disappears.

The sun and moon through it have been amazing, though. Just brilliant shades of orange shining through to let us know that even if the sky is gone, space is still up there somewhere.

There's not much been going on. I finished up the kidney infection medication and spent a lot of time in bed sleeping during that time. We didn't go out to eat at all for three weeks, but we did get something this weekend and we will go out on the tenth for my daughter's 21st birthday. Then back to not eating out for a good while.

We are up to our ears in gold rush zucchini and patty pan squash. The green zucchini is not doing as well. I lost a lot of them to blossom end rot, so now I am pulling the blossoms off them once they have got to finger size and that seems to be helping. I have green tomatoes now so maybe in a couple more weeks I'll have some red ones.

We lost 2 chickens this week. Henrietta was our oldest chicken. She was six. And then one of the leghorns died as well, but they don't live as long since they are production birds. She was 3. So now we are down to 9 chickens, 6 ducks, and one turkey. We aren't replacing anyone. We thought we might have to get a new turkey hen after Gina died, but George seems to be doing okay now. He's a little sad at bedtime when he's alone, but during the day he seems fine and hangs out with the 3 Barnevelder hens he was raised with.

I didn't do a payday report this week, but all of the money went to pay the AMEX bill in full. That takes care of the last of the medical expenses from the two ER visits and the emergency eye surgery. We still had to pull $3500 out of the Emergency Fund, but at least we didn't have to pay interest on anything.

Maybe in September we can pull ahead again. At least for a little while. Who knows with the job situation still being up in the air like it is.

Payday Reports for 7/21 and 7/28

July 28th, 2017 at 11:27 pm

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

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

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

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

Planning and Plotting with the Six Week Budget Cycle

July 2nd, 2017 at 02:06 pm

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

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

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

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

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

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

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

Payday Report #3

May 12th, 2017 at 10:53 pm

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

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

Payday Report #2

May 12th, 2017 at 10:44 pm

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

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

Payday Report #1

May 12th, 2017 at 10:32 pm

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

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

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

If It's Not One Thing

March 25th, 2017 at 01:06 am

Something is wrong with my daughter's eyes to the point that she started losing vision in the lower half of one of them today. Called her regular eye doctor who, is only an optometrist and he said take her to the regular doctor, so we did, just managing to get the last appointment of the day.

The doctor their said he could tell something was wrong with it, but it wasn't anything he had ever seen before and that she needed to go see an opthamologist and managed to get her a late night appointment with one (he came back after dinner to see her).

The diagnoses is one of two things. Either a virus that sprang from nowhere or a virus that is caused by an auto-immune disease. So she'll be going back next week during regular office hours and having blood work done to test for auto-immune diseases. The hope is it is just a virus. If it is, you treat it, it goes away. If it is a virus caused by an auto-immune disease it will go away with treatment but will reoccur.

Auto-immune diseases most likely to cause this are rheumatoid arthritis and lupus. I've long suspected she had an auto-immune disease, but I figured it would be MS like Dad or fibromyalgia. I hope it isn't any of the above, though.

This could get expensive. Our insurance doesn't cover labs until you've met the deductible. Although she might be getting close on hers. Her prescriptions were $210.

In other news, I paid the 6 month premium on the car insurance of $436.01 today and a medical bill for my daughter of $130. Plus a regular co-pay of $30 and a specialists co-pay of $50. The car insurance was down about $50 from last time. Our car is over five years old now, so I think that may be why.

DH got his schedule for his drug test for work so that's moving along as expected. I really want to see the benefits packet. I do hope it comes on Monday as it is supposed to.

We spent some time putting the cabinet together. We still have to add two more shelves, the top, the back, and the earthquake guards and then it will be done. It shouldn't take more than an hour. Hopefully DH will get around to fixing the two garden bed corners that are coming apart as well.

Online Payments--Just Venting

April 15th, 2016 at 10:41 am

You know, the credit card companies want you to pay online. They want paperless billing. They want to not have to deal with humans in person as much as possible. So why do they always insist on doing the upgrades to their online payment systems on Fridays? It's only the day that most Americans have their paychecks deposited and pay their bills.

Either they don't think it through, or they are hoping most people will wait until the last minute to pay it and then get a late fee or a pay by phone fee because they can't actually pay it on time with the system down. My guess is the latter.

My bill isn't due for another week because I never wait until the last minute, but it is annoying as I want to pay it today. So now I have to go down there in person, which fortunately I can do, if I want it done today. I have to pick up something on that side of town today anyway.

What I really don't get is that I was able to pay my BoA VISA just fine from the same portal, but when I tried to pay the BoA Master Card my daughter used at the Con she went to, it is down. I tried to pay it both before and after I paid the VISA, which went through just fine. I suppose it could just be they are working on the MC side of things and not the VISA side of things.

BoA is getting my stink eye for today. I never have this problem with the other credit cards, actually, so maybe it is just them. There is a reason I refer to them as the evil empire.

Payday Report and Need to do Something about the Storage Units

April 9th, 2016 at 10:58 am

I really need to start doing the payday reports again. It keeps me super focused and on top of my spending, which I really need to be. We have had a lot of medical expenses already this month. Some of it we will get reimbursed for when everything is straightened out with our insurance company, but that could still take a month or two to shake out.

$400.00 Utilities
$150.00 Emergency Fund
$_80.82 Internet
$_47.86 Life Insurance DH
$_45.30 Life Insurance Me
$150.00 Laptop
$227.00 Storage (went up again, ouch)
$250.00 Chiropractic Monthly Family Plan
$140.52 Sleep Doctor
$_86.01 ENT Doctor
$369.00 Dentist (getting a partial reimbursement)
$_50.00 Allowances
$100.00 Garden/Household
$2096.51 Total

I have $167 and some change left in the checking account. $90 of that is allocated to physical therapy, but she's cancelled on my 2 weeks running, so that money may get dumped into the EF if I don't hear from her by next Friday.

DH and I are going to start going through our big storage unit when he comes home next time and seeing what we can get rid of/sell/donate. We really need to get down to having just one storage unit. The second one is $120 and it doesn't have too much in it, but the first one is jam packed. If we can free up about 8 square feet we can get everything into one unit and clear up the additional expense.

I know some of it is just stuff we didn't want to deal with when we moved, like boxes of papers, bags of outgrown clothes, little kid toys, and multiple outdated electronics. I know there are at least 3 VCR's and while keeping one to play all the old VHS tapes is fine, we certainly don't need 3. We used to have one for our bedroom, one for the living room, and one for the kid's playroom.

We could probably even sell one bundled with a bunch of old Blue's Clues, Dora the Explorer, Bear in the Big Blue House, and kiddie movie VHS tapes at a garage sale. I mean who really buys VHS tapes anymore, not many folks still have VCR's, but might with a big enough stash of tapes and a player with a working remote. Obviously not for a huge amount of money, but maybe $10 to $15.

And I know we have all the fairy Barbies and their forest, too. Which could go for another small lump sum. Complete Fisher Price Little people set-ups, both original and modern are kicking around. And a huge toddler train layout from Little Lionel, which would go for a bit more. Just a lot of stuff like that. Not that we'd make a fortune or anything at all, but we might be able to get a decent garage sale together for June.

I know that when the time comes to move, I don't want to be hauling a ton of useless stuff to our new home. And I certainly don't want to deal with boxes of old junk mail and statements then, either. Our car has an outlet in it, so we can even shred things right there, pack them into paper sacks, and take them to be recycled, without ever bringing them home.

It'll take a lot of work, but he is going to have 3 weeks off in a row and this is probably the best time to do it, before gardening season gets into full swing.

Payday Report for 1/22/16

January 23rd, 2016 at 09:29 am

$205.00 Storage
__36.87 X-rays
__47.86 Life Insurance DH
__44.66 Life Insurance Me
__84.32 Car Insurance
__34.86 Medical Me
_146.36 Emergency Fund
_500.00 Down Payment Fund
__53.54 Prescriptions Me, DH
__86.91 Vitamins and a new cane
_165.00 Cash Out
$1405.38 Total Money Out

Cash Out includes:
$40 for DH for work needs
$25 for DD's allowance
$40 for movie tickets
$15 DD's food out with friends
$30.00 Pizza
$15 for Sundries

Payday Report for 1/14/16

January 23rd, 2016 at 09:15 am

I am so far behind in reporting things it is ridiculous, but I am working to catch up. At least my spreadsheets are all up to date.

$1700.00 BoA VISA
___81.87 Garbage (cleaned out the attic, so high)
___28.47 Medical DH
$1500.00 Down Payment Fund
__268.82 Farm and House Materials (Lowe's)
___26.37 Prescription DD
__120.00 Physical Therapy
___21.02 Gas tank fill up
$3746.55 Total Money Out

Payday Report for October 2nd

October 5th, 2015 at 02:45 pm

I am just a wee bit behind there.

$500.00 Loan to Mom
$400.00 Mom's Utilities
__47.86 Life Insurance DH
__44.66 Life Insurance Me
__84.32 Car Insurance
_204.00 Meat from Farm
__50.00 Allowances
__65.03 Groceries
_205.00 Storage
__48.71 50 pounds of no spray potatoes for canning
__16.00 25 pounds of no spray carrots for canning
__15.00 20 no spray bell peppers for freezing
___5.00 10 pounds of no spray onions for freezing
$1685.58 Total Money Out

Farm Down Payment Fund and Old Remodel Payment Situation

September 26th, 2015 at 03:15 pm

$31,500.00 Starting Balance
+__,500.00 Deposit Added
$32,000.00 New Balance

Also, on the money we've been holding for the guy who remodeled our old house and then immediately went through bankruptcy before we could pay him, we were finally able to make a $5000 payment yesterday and then in 21 to 28 days we will be able to make the remainder payment of $36,000. I will be so glad to not have that money in our credit union account anymore.

I mean, yes, the interest we were collecting on it was nice, but I still didn't like the situation. With the $5000 he is able to open his business account and get all the proper licensing and then when that all runs through, he can then take the additional $36,000 and put it in the business and then he can pull from that gradually as he needs income since he is allowed to pay himself a salary.

What a mess this has all been and I am really glad to see it nearly done.

Payday Report

September 26th, 2015 at 12:22 am

I haven't been doing these for a while, but felt like I wanted to get back to recording stuff in more than just my spreadsheet.

$1753.84 Travel BoA VISA
__100.00 Checking Cushion
__120.00 Physical Therapy
__203.77 Groceries (Trader Joe's)
___23.84 Groceries (Safeway)
__100.00 Cash for Week
___50.00 Allowances
__248.87 AMEX
___48.24 Pharmacy
__500.00 Down Payment Fund
___15.00 Pharmacy

We will be buying some clothes tomorrow for DH and DS. I am hoping to keep it under $200.

Bits and Pieces

March 5th, 2015 at 03:12 pm

I went in this morning and signed the last paper for the house. They said that the sale should be recorded and official some time tomorrow. I hope the money shows up in my account on Friday and not on Monday. I then will have to check with the credit union to make sure that I can use the money right away or see if there is a hold on it. I know with checks like that there can sometimes be a hold, but the title company wasn't sure about whether there would be a hold on a direct deposit or not. I wouldn't think so, but I will ask just to be on the safe side before paying off the van.

We did not have a payday last week, but I still made some payments from money saved over for this week's bills. These were all autopays.

$250.00 AMEX
__45.30 Life Insurance DH
__44.66 Life Insurance Me
__74.41 Car Insurance
__48.75 Homeowner's Insurance
_186.00 Storage
__16.17 Power Old House
$665.29 Total Money Out

I won round 1 of my transformer 6 month dietbet. Don't know what my winnings are yet. I also signed up for another 4 week dietbet with the same group I did the first one for. It has way more support being a smaller group. The transformer has over 1800 people in it, so it feels extremely anonymous when it comes to support. So that was $20.

I have to make a list of people to call tomorrow once the sale has been recorded. So far I'm thinking:

Power company
Phone company
Security company
Propane co-op (DH will have to do this one, it's in his name)
Home Owner's insurance company (should get a partial refund)

There was no cable or internet hooked up out there so that's not an issue. The water/sewer has been taken care of by the title company since it is owned by the homeowner's association out there. It was mixed in with the sale and is current and up to date.

I will probably go to Comcast in person tomorrow. It is faster than trying to get through their customer service line. I will be over there anyway as my daughter has a doctor's appointment in the afternoon. I will also drop by the insurance office in person since it is by the high school.

The rabbit kits are doing well. The runt died. Not sure if I said that, but it did. I knew it would. It was just too tiny. But everyone else is doing great. Here is a video of the babies and some photos:


Not A Payday Report

February 1st, 2015 at 09:46 pm

This last Friday is not a payday, but of course I always save money over from previous paydays for the one Friday that has no paycheck each month. So these are the bills that went out today.

$250.00 AMEX
_186.00 Storage
__44.66 Life Insurance (Me)
__45.30 Life Insurance (DH)
__74.41 Car Insurance
__48.75 House Insurance
_120.00 Physical Therapy
$769.12 Total Money Out

I need to sign up for a new bank savings account tomorrow, the one Julie posted about today. It will be with a bank that has 1.05% interest. That is .30% higher than what I am getting now. I could be earning $11.50 on my EF each month instead of $7.21. It doesn't seem like much but over a year that is $138 or $86.52, a difference of $51.48. And of course it'll be far more than that once the house sells and there is more money in the bank.

I think I'll probably end up completely closing out the Capitol One 360 account. I've been holding on to it due to old ING loyalty, which is silly because they aren't ING and they have never been as good as ING was. They've had plenty of time to match the other couple of online banks that are giving higher interest rates and they haven't done it, so it is time to say good-bye to them. But I will keep it open until we are done with taxes, probably just with $5 in it.

Payday Report

January 16th, 2015 at 10:48 pm

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

Payday Report

January 9th, 2015 at 10:37 pm

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

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

Payday Report:

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

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

Payday Report

December 5th, 2014 at 02:31 pm

$2000.00 BoA VISA
__400.00 Mom's Utilities
___22.00 HoA Dues
___50.00 Garbage (holding tank for January)
___75.65 Internet
__144.00 Water/sewer Old House
__800.00 Van Loan (includes extra principal)

I've got almost everything paid for the month. I will have a chiropractor payment of $225 in a couple of weeks, need to pay $1000 on the loan payment to Mom, and buy Christmas presents. A few medical bills and prescriptions will need to be gotten, but we're in good shape for that Then I just need to pay the the early January bills. We are in good shape due to my careful savings.

Payday Report

December 1st, 2014 at 08:05 am

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

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

Payday Report and Farm Report

November 8th, 2014 at 12:10 pm

Yesterday was payday.

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

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

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

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

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