Home > Archive: January, 2022
Archive for January, 2022
January 25th, 2022 at 07:28 am
I got a notification from Costco's Citi card today saying that the amount I earned this year was $566.68 and that it will be available in February, so expect an email soon. They also said that this year you can direct deposit the amount into your checking account instead of having to go to Costco in person to cash it out. This is so much better. I hate having to go to Costco to do this, mostly because they seem to change the rules everywhere of where you cash it out and asking doesn't help, because no one really knows until you try then they tell you, oh, we can't do that here, you have to go over there, and then they say somewhere different and so on. This will save worlds' of frustration.
The plan will be using that towards the garden. We never got around to building our third garden bed last year, and we have the supplies for that, but we will need supplies for a couple more garden beds, plus I want to buy some astroturf that looks like grass, not that artificial bright green stuff, to go down on the rows between the raised beds. I don't want to deal with weeds in the pathways. It'll take somewhere between $80 to $90 per row. Which seems like a lot, but will be many years worth of weed control.
Mom wants help on the property taxes and the home owner's insurance. She'd like us to pay half. Since it is senior rate for the property taxes that is only $300. Half of the home owner's insurance is $400. That's for the whole year. DH is making book on overtime right now and will be for a while yet, so it won't ruffle the budget. We feel it's fair as it does cover our things as well. And also we don't pay rent to live here. We take care of Mom, take care of the house, take care of the property, and pay the utilities. It's still way less than we would be paying out in the real world.
We are looking for an elder law lawyer so that we can set things up for my mother. I have been her medical power of attorney for several years now, but she also wants to make me her financial power of attorney. And she wants to figure out how to pass the house to us in the best way possible so neither of my sisters can make a claim on it after she has died.
We have agreed to take in my eldest sister when the time becomes necessary, which is when she decides to stop working, but she plans to keep on as long as possible. She's 11 years older than I am and her hip is giving her problems so who knows? We get along with her, even though Mom doesn't, and there will be room once Mom passes. Mom might leave a little money to her if she has something left. If we were to ever sell the house, we would give her some of the proceeds.
And my middle sister is already set in a home with plenty of money, with life insurance set up, and Mom doesn't want her to get a dime because she never visits or helps after surgeries, uses Mom for what Mom can do for her, expecting Mom to drive great distances (they moved further away two years ago) for an 82-year-old, instead of her coming here. It's been so disgusting, the way my middle sister behaves. Mom made the choice not to go see her anymore or do anything to help her due to her selfish, using behavior. Which honestly, she's had her whole adult life so I guess it has just taken my mother this long to see it. It has always infuriated me. It has just hurt my mother so badly.
I do not get how you can just abandon your elderly mother like that. She doesn't call, doesn't send cards on her birthday or at Christmas. Just ignores her. And Mom has done so much for her, to be dismissed like this is just horrible. But middle sis is a narcissist. My mother can be difficult and she can drive me crazy sometimes, but I could never abandon her and not care like that. I can never understand why she turned out so differently having been raised the exact same way. Oh, well. I can't see ever doing such a thing to my mother, or to my eldest sister.
And even though middle sis has chosen not to be in our lives, either, if her husband dies and none of her four boys would take her in, and she ran out of life insurance money, I'd still figure out something, though it wouldn't be living here, because I have seen her true colors for years and don't want to be around her either. But family takes care of family. That's just what you do. Or maybe that's just what I and my husband do. Maybe we really just are that different.
I've set up my budget for February and started on March and want to get one set up for April. April will be a three payheck month, and I want a plan going into it. And because one of the payday's is on the first it will mean that the last paycheck in March won't need to pay some things it would usually be scheduled for, because the stuff comes out of checking on the 1st or the 2nd. Sometimes as late as the 7nth if someone drops the ball somewhere.
We are thinking about switching life insurance to AAA, because we can get an additional $50K $8 a month more, than with Allstate. Allstate is also selling our policies to somewhere else. The reason we had them was we wanted a local office, so I don't like this. And who knows what they might raise it to. We also have some life insurance through his work, but that goes away after he quits working. I also want to look at the life insurance offered through our credit unions. It's like $2000 for $1 a month, you just have to fill out the paper work.
I also want to look into getting car insurance with AAA and see if it is cheaper. Our Allstate office is changing hands and I don't really like it. Especially the selling off of the life insurance policies. If we have to deal with non-local people, we might as well do that elsewhere. I hate change.
Well, maybe not all change. We started DD on edibles a couple of weeks ago and the change has been amazing. She is much more able to deal with the pain because it takes the edge off and she is also able to focus, so she is able to read and paint again, and her mood has been quite lifted. The one she is taking derives its THC from the hemp plant and not the marijuana plant. I even tried it a couple of times when my nerve pain was off the charts and it really helped. I mean, you definitely couldn't operate heavy machinery, nor should you, for 12 hours, but it has definitely made a difference. The dose is quite small, but wow on the pain management. I never would have believed we would ever be doing this a few years ago, but when pain is so vicious and violent, you change your mind on a lot of things. Plus, you know, back then it wouldn't have been legal.
Woman Within cancelled my winter coat order after mutliple delays. I guess they can't get what was supposedly in stock when I ordered it. And that is the problem with having your manufacturing in China instead of the USA. But that's whole 'nother bucket of worms.
I am so anxious for my freezer to get here. I know it won't be until February and we still don't know when in February, and something could go wrong with shipping just like it did with the coat, although I think GE is made here. It used to be, anyway, just not sure if it still is. I just feel this need to get more meat in the freezer. I'll feel alot more food secure with a whole hog and about 3/4 of a steer still in the chest freezer. Then I can work on chicken and then start saving up all over again for a steer. And in the summer, we will go fishing/shrimping/crabbing for our seafood. And also in the summer we harvest and can and freeze as much produce as we possibly can. These food shortages are getting scary and I don't want to deal with sky high prices on the stuff that is left.
I don't have anything on the schedule tomorrow. Maybe I can get those spot prawn shells made into bone broth in the pressure cooker and get it canned. That'll clear out some space in the below fridge freezer. I might even do onion skins with beef bone broth as well. We have lots of bones and soup bones and onions skins in the freezer for that and I really want beef and onion broth for making French onion chicken and French onion pork chops.
I can always get out the huge All American canner as it can do 3 levels of pints if I decide to make both. But I'm not sure I want to tie up both my Instant Pots making broth. It depends on how early I get up in the morning. Broth does not take that long to can compared to most things.
Well, this has gotten super long, so I'll sign off for tonight.
January 22nd, 2022 at 04:06 am
DH had some overtime on this paycheck, so I still don't know what a normal paycheck is with the new rate. And since he will get overtime on the next paycheck as well, I don't now when we'll know. Hopefully the overtime will help us pull ahead and we will be very careful with our spending.
We also had a FSA reimbursement check for last year come through, so that is added in. There will be some more of those coming, upwards of $500. I went ahead and dumped that into the medical fund. I also had $7.68 sitting in checking that I had meant to send to the EF last payday and forgot to do so that went with the rest of the payment to the EF.
_400.00 Grocery Envelope
_619.00 Medical Fund
__75.00 Household Envelope
_100.00 Car Maintenance
_310.00 Monthly Chiropractor Family Plan
__78.82 Life Insurance DH
__60.46 Life Insurance Me
__48.71 Long Term Care Insurance
__50.00 DH Spending Money
__50.00 My Spending Money
_528.46 Emergency Fund
_100.00 Gift Fund
__56.21 DS Allowance
__30.00 DD Stipend
January 22nd, 2022 at 02:46 am
$19,679.09 Starting Balance
+__,528.46 Amount Added
$20,207.55 New Balance
That means I have $314.25 left to go to hit my goal of six month's of expenses or $20,522.70. It is so close! I am budgeted to hit that on next payday, so that is exciting. Then I can start saving up for other things. I will probably continue to put a little into the Emergency Fund after that, maybe $100 per month (or maybe per payday) until I eventually, over the long haul, have one year's worth of expenses saved, but for the most part that will be a background thing, not a strive hard for thing.
With this networth has gone up to $129,097.55, although not really because retirement sucks this week. I won't be doing a retirement update until it gets out of freefall. I so miss 2019, 2018, and 2017. This pandemic needs to have it's butt kicked out the door. Every time Biden opens his mouth the stock market tumbles. I'm so done with this president. I gave him time, but nope, I'm done. With food and gas prices off the chart, with what he has done to the oil industry, and with food shortages everywhere, anger is rising in the people here in my blue state. And with his favorability rating at 31% and dropping, I am definitely not the only one who is done with him.
January 11th, 2022 at 02:03 am
I've been trying to get my brain together enough to do a goals post for 2022, but right now I am just really scattered. DH flew off to California yesterday for work. He'll be back on Saturday night. His flight went well and he called me when he arrived and then again when he got to the hotel. He has to go to a different area of California in February for a week, too. I really hate that. I know he used to be gone all the time for work only a few short years ago, but I am no longer used to that.
I had a therapy session today and it went well. I'm still not sure if the anti-depressants are working or not, but the therapy is helping. I'm starting to understand where some of my stuff comes from and how it affects me when dealing with other people in the present who do something similar to people in the past. I really dislike doing therapy over the computer, though. In person visits are much better where I don't have to worry about anyone possibly hearing what I am saying.
One of the tasks on my list is to find out where DH stored the car window washing fluid and then look up in the manual where the tank is for that. I am pretty sure I know where it is, but I think I've only filled it once since we bought the car in 2011. I'm not even sure I know where the hood release is, though I imagine it is down by the gas tank cover release button.
Tomorrow I need to pick up milk, but I think I have enough empty milk bottles to return that it'll cover the milk and get some change back. I have four milk bottles and each has a $2 deposit. I am so glad there is a local dairy that has glass containers for their milk and cream and half and half. It sells through the one line of stores or you can go out there to buy it on certain days of the week, but I tend to go to the store because that is a 5 minute drive max and the other is 20 minutes there and 20 minutes back.
We need to take the Christmas lights down. While we aren't the only people on the block with them up still, I feel like their time has come. Friday and Saturday are supposed to be dry. It's supposed to rain pretty hard on Tues, Wed, and Thurs, but there might be breaks in the weather like today when there wasn't supposed to be one. We were doing other things, though. We will get the Christmas tree taken down in the meanwhile. I'll start on it tonight after dinner.
I need to fold a basket of towels, too. My shoulder and upper arm are doing better than they were and so the folding motion is much more tolerable to do. DH got a lot of the knots out before he left. I don't want to get far behind again. Right now there is just one clean basket of laundry and very little dirty laundry and I'd like to keep up with it now that I can.
I also need to do some spot cleaning. Because of my back I have a hard time doing everything at once, but I find if I pick a spot and do five minutes, it gets there bit by bit. My spot cleaning for today is the bathroom counter and sink. A full wipe down of the dust and hair (my hair is almost down to my hips now and gets everywhere) then cleaning, rinsing, then drying off. I might have to do it in two sessions a couple of hours apart, do the counter first and then do the sink second. At least DH did the mirror last week so that still looks good.
We are going to take the glass shower door off our bathtub and replace it with a rod and shower curtain. The glass door is just a collecting space for gunk, especially the runners. With the shower curtain we can just toss it in the washer when it needs it. And it will make it a lot easier to clean the bathtub. With the doors gone I can just sit on the rim of the tub and reach a lot easier with a long handled brush. It has been the hardest thing for me to clean because of that darn door.
We'll have to fill in some holes where it was screwed into the tub, but we plan to eventually tear out this tub and build a tiled bench to sit on and then make a tile walk-in shower with a six inch lip to keep the water from running onto the floor. We would probably keep the shower surround and just build the tiles up to it. Maybe one day we could finish it, but I am thinking of what we can afford to do now. It will be much easier for DD and for me, with our disabilities, to get in there. It already has one handicapped rail, but it isn't in the best location for the bench, so if we do end up doing the whole thing one day we can put it in a better location.
My spot clean for tomorrow is to break down a bunch of cardboard boxes and to fold up a bunch of paper grocery bags for recycling and put away the canned goods that are still in some of those paper bags. DS will help with that one. I need him to rejigger our canned food rack. One of them was set for an unusual size can that we not longer get, and then one was tiny for those little spiced ham cans, but I can no longer get the brand I like since Covid, so we don't really need that row at all. I think if we rejigger it we can have one regular sized row for soup. I have a bag of soups needing a home.
Well, I'm off to make dinner. We are having beef stew tonight from home canned beef, home grown and canned potatoes, and home canned carrots. I've been putting it off.
I wonder if they've fixed the time stamps yet?
True date: 1/10/22
True time: 6:01 p.m.
January 8th, 2022 at 03:07 am
As a reminder, I run a zero based budget, which means every dollar is accounted for within the budget. Garbage is higher than the usual because we put out two extra cans in December.
DS does not get an allowance this payday, because he still owes me money from not having quite enough money from everyone to buy the one thing he wanted, so I loaned it to him. DS will get some allowance next payday, but I am not sure if it will be the full amount. I've got the number written down. DD's amount is slightly less than $30 because she still owed me a bit for the same reason. Her normal allowance will resume next payday.
I have started the Gift Fund up again as we have one birthday in February (mine) and two in March (DS and MIL). I will continue it through until we have enough for the August birthdays (DH and DD) and Christmas. Below is the actual budget.
_400.00 Grocery Envelope
_500.00 Medical Fund
__75.00 Household Envelope
__70.00 Garbage Fund
_167.00 Car Insurance Fund
__50.00 DH Allowance
__50.00 My Allowance
__28.51 DD's Allowance
_100.00 Gift Fund
_345.29 Emergency Fund
$3525.74 Total Money Out
January 7th, 2022 at 11:13 pm
Today I was able to make a decent deposit to the Emergency Fund, since there was some overtime on DH's paycheck. Plus we are at the new rate. We also recieved his Louisianna Pacific dividend check of 58 cents, so that went in there, too. You laugh, but at the end of the first quarter that check was only 42 cents. I also had $17.50 in the coin jar. So with what came from payday which was 349.29, I had $363.37 to put into the EF this week.
$19,316.62 Starting Balance
+__,363.37 Amount Added
$19,679.99 New Balance
This means I have $842.71 left to go to reach my goal of six month's of expenses, or $20,522.70. If all goes according to budget and nothing big comes up, we should reach that goal by the February 4th paycheck. If the furnace breaks ago, then obviously not.
This increases Net Worth to $128,569.09.
They haven't made the payment to the 401K yet, so I don't know what that is going to be. I can't even estimate it because this is the first paycheck with the new amount, plus it had some extra hours on it. It might be there by closing hours today, but probably won't be there until Monday. Plus I don't know if I got the increase to 16% in on time or not, so could still be 15% for this paycheck.
True Date: 1/7/22
True Time: 3:13 p.m.
January 6th, 2022 at 05:28 am
Testing for date and time stamp accuracy.
January 5th, 2022 at 12:02 am
The snow has finally melted, except for chunks here and there from the snow plows. It's nice to see the green world again, but it's supposed to start sleeting tonight and turn to snow in the wee hours and snow all day tomorrow, then sleet for two days, then one sunny day and then rain for two days. I don't mind the rain, it's the snow and the extreme cold I don't like. Hopefully this will mean winter is over until February, where if we are going to get hit hard again, it will be then, based on previous years.
Hopefully we can start taking the Christmas lights down on the sunny day. I don't mind the lawn ones staying a while longer, but I'd like to get the ones off the house itself before the next big windstorm hits. And maybe the deck, too. They clack. Normally we'd have taken them down on the weekend that just passed, but not with 16 inches of snow on the ground.
I have to feel well enough to or DH will have to do it by himself, since I got slammed by something a few days ago and so did the kids. DH had the sniffles for a few days and that was it, but not me. Today is the first day I felt well enough to sit up for more than long enough to eat, I was so dizzy. I think I've slept more than I have since I had Covid. The one day I slept for 20 hours, not straight, but still. I think it is flu, though. I've had Covid twice and this was not it. I've had the flu enough to know when it is flu and when it is a cold. So I guess I caught whichever flu strain was not in the shot.
Speaking of eating, I've mostly been just eating soup. Mostly plain egg flower soup with no vegetables in it, which is just taking my chicken broth and whipping up some eggs and then slowly pouring the eggs into the soup while stirring quickly to create ribbons. DH had to do it, though. I was too weak. That way I get some protein in it and some calories. Not having carbs for two days dropped my weight substantially and I have now lost 15 pounds. Some may come back when I start eating carbs again, which will be today, but it was still nice to see it on the scale even if it goes back up a bit from getting off the too sick to eat diet. I had to get off and get back on the scale again twice, just to be sure it wasn't the scale being weird. I will have vegetables and beef in my soup today. I haven't eaten yet, because I haven't been up long, but I will eat twice today. I've been pushing the water pretty hard throughout this thing, sick or well.
My brain is craving spring rolls, but I am too tired to make them. I have all of the ingredients. I don't know if the eat from the pantry challenge is something I succeed at this year. DH leaves on Sunday and won't be back until the following Saturday and if I am still sick or weak it's going to be pretty hard for me to pull meals together. I have four days and then I will either have to cook or figure something else out. It's easy to do challenges when you are well. I will try my best, though.
January 4th, 2022 at 11:11 pm
I forgot to add the interest income from my three accounts to the EF.
$4.45 C1-360 Savings monthly interest
00.86 CU #1 Savings quarterly interest
00.79 CU #2 Savings monthly interest
$6.10 Total interest
$19,310.52 Starting EF
$128,199.61 Starting Amount
+______6.10 Amount Added
$128,205.71 Total Net Worth
I did recalculate the value of our vehicles and the amounts did not change. I guess because the value of used cars is so high right now and having a Sienna and a Tacoma, which are in high demand, means we lost nothing to depreciation. I knew used prices were good, just not that good.
January 2nd, 2022 at 07:33 am
I didn't get this posted yesterday, but our IRA closed out the year with a 14.96% rate of return and our 401K closed out at a 12.38% rate of return. The IRA ends the year at $13,925.02 and the 401K ends the year at $57,978.02. The grand total of retirement is $70,978.02.
That increases our net worth to $128,199.61for the year ending 2021.
I went into the 401K and raised our contributions from 15% to 16% as the raise will start on the next paycheck. That should notify them in time since payroll is done on Wednesday. The 401K said they would email his work on the 3rd. So hopefully it will, but if not, oh well. I am not sure if the 401K Christmas bonus has been dumped in yet or not. I did not see it, but maybe I am reading it wrong.
True date: 1/1/2022
True time: 11:33 p.m.