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Other Fund Updates

June 8th, 2023 at 12:11 am

Just thought I'd give an update on how my other funds are doing, too.  Some of them are funds that are much shorter term, some of them are long term, and some of them are very long term and won't be included like the medical fund or the garden fund, because those are rolling funds, money in and out constantly, at least at this time of year with the garden fund and always with the medical fund.

$2500 Bulk Meat Fund  This is earmarked for our steer which is due to be butchered in July.  I allowed for a few hundred more than last year since the cut and wrap fee has gone up slightly per pound and the kill fee has gone up $10.

$400.00 Car Maintenance Fund  This is for things like brakes, oil changes, line flushes, wind shield wipers, fluid replacement, air filters, cabin filters, new tires, engine work, etc.  Some of the minor things we do ourselves.  Things that are necessary to make the car run.

$50.00 Car Expenses Fund  These are things like registration with the tabs for the license plates (just got done paying so it is low), paint job, body work, detailing.  Basically cosmetic things that will make the car look nicer, but aren't necessary.  I put registration in here just because I didn't want to make a whole envelope just for it.

$480.00 Fishing Expenses Fund  This fund pays for licenses and gas for fishing.  I am not sure if we are going to be doing any fishing, shrimping, or crabbing this year.  DH has a bad bacterial infection in his leg and it is causing him a lot of pain and swelling. Plus with all the overtime, I don't know if he can take the time off.  So this money may end up getting swept up into the House Expenses Fund.

$1100.00  House Expenses Fund  This covers things like Repairs, Insurance, and Taxes.  Since the latter two are covered for some time yet, everything I am saving here is going towards the bathroom repair.

$600.00 Summer Things Fund  This is for buying a pop up canopy, a propane grill, and eventually, maybe next summer, I'll start saving for a hot tub.  I'm not sure if I'll even buy any of this stuff this year.  The B.C. wildfires have already started and they are sharing their smoke with us down here.  I figured we'd have another month.  Now I don't know if we'll even get the rest of the garden in, because you can't work in that even with masks on.  And with DH's leg, we weren't able to rototill the last patch of land we need for the tomatoes.  And this was supposed to be my big tomato and pepper year.  It's been windy a lot the last couple of weeks so hopefully it will blow this stuff out to sea,

$65.00 Hawaii Trip Fund  This is a far on the horizon trip.  I am not saving large amounts for it at all.  Usually $5 to $10 a payday.  I just want to feel like I'm putting something towards it.  If the bathroom hadn't happened, I was going to start saving up in earnest for this at the start of next year.

$65.00  Electric Vehicle Fund  Like the previous fund, this is a far on the horizon fund.  Both vehicles we have are functioning perfectly and we plan to drive them until they can't drive anymore or the parts to fix them are no longer available.  Or Washington outlaws gas vehicles altogether.  When that time comes I want to be able to purchase a vehicle in cash.  Two would be nice, but by then we might need a truck anymore.  2030 is when we can't buy new gas powered vehicles in my state anymore, but I bet used ones won't be far behind.  Unless there is a very big change in our leadership and we break away from the lockstep of California and Oregon or we get a huge influx of centrists or republicans, I don't see gas powered vehicles continuing on much past 2035 or 2040.  In 2040 I'll be 70 and won't be wanting to drive much anyway and it will probably all be AI driven cars anyway.  But I have to wait for the bathroom to be fixed and I will start saving for this equally with the Hawaii trip.

$60.00  DD's Phone Fund  This is just DD's contributions so far.  I will be contributing, just not yet.  We are doing DS's phone first since his fell apart and he took a loan from MIL to get a new one.  We are contributing $500 towards his and $500 towards hers, but I wasn't expecting it and it wasnt in the budget yet.  Hers was planned for this month, but had to become his.  Hers still works, though, just the battery is only at 50%, but she never goes anywhere when she's not with me and it last through waiting at the doctor's office so she's still good.  I will be able to make my full contribution towards her phone in July and then she will have to save up the rest and add in her birthday money.  To be honest I might contribute more to her, since she doesn't make as much as her brother does doing chores since she is disable and can barely do anything.

$60.00  DS's Phone Fund  Again this is just DS's contribution so far.  I will make a $150 contribution on Friday and then on the payday after that $350, so our contribution will be done in June for him.

$11.00  Furniture Fund  This will start off by going for a new adjustable bed frame and mattress in the full size, and then will go toward a recliner that lifts you to a standing position.  I am downgrading my bed from a king to a full and then will add a recliner.  DH sleeps in his own room because he gets up very early for work and I have bad insomnia, it takes me forever to fall asleep, so if I get woken up that's it for me.  And I can't run on 4 to 6 hours of sleep.  I can barely function on 7 to 8, because even with a c-pap machine I don't get enough sleep.  And he's a tosser and turner which also wakes me up.  So there is just no point in my having a king size bed.

Plus, they have ruined by bed by sitting on it and creating a wallow, so that when I raise the feet it is lopsided.  Also, it is the side of the bed I sleep on, so my legs go down into it and it is hard on my hip.  The other side of the bed is too close to the window and I'd have to walk sideways to get into bed that way and because of my hip I can't walk sideways.  So the wallow is why I want to get the chair, too, so that they can sit in the chair instead of my bed.  Well, and I want it for when I need a change, because of my hip and tailbone.  Then anyone coming in to talk can sit in my computer chair.  It wouldn't be so bad if my husband and daughter didn't weigh so much, but it is a lot of weight to put in one section of the bed, day after day, when beds are meant to have the weight distributed and the foot is usually the weakest part of the bed frame.

Anyway, those are all my current funds.  At least I am earning interest while I save up.  It's still not much, but it is much better than it was.  I don't know if I trust the banks enough yet to put it back into C1-360.  My credit union is nice and safe.  Between these funds and the almost $10,500 of my emergency fund, well, that is a lot to lose for me.  I can't remember if it was last week or the week before when the government seized another failing bank, so that stuff is still going on.  They are keeping it much quieter, but it happened.  So I am still willing to forego the higher paying account for the time being.

 

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