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Payday Accounting, Ranch Trip, and Family Reunion

August 4th, 2013 at 07:01 am

I paid the majority of the bills for the month from this paycheck and sent money to all of the funds. I need to create two new funds though. One for the transfer fee when we sell our house (in case we are the ones who have to pay it and not the new buyers) and one for the Thanksgiving turkey. Don't laugh. Organic pastured turkeys are expensive.

We went down to the ranch today and bought meat. We ended up with 4 beef chuck roasts, 1 pork shoulder roast, 8 pork chops, 1 bottle of their seasoning (which they threw in for free) and 18 pounds of hamburger for $300. They had some stewing hens for $7 each and I was really tempted, because old hens make the best broth, but I decided I'd rather spend that money on hamburger. And I knew I'd be making rabbit stock on Monday anyway.

We also went to a family reunion for a few hours before going to the ranch. It was okay. It's DH's mother's side of the family. Not too many people showed up this year. I got to see how big some of the babies have gotten and one of the cousins is pregnant. I was kind of bored because the people I usually talk to weren't there.

We swung by the house since it was sort of on the way back home. It's rather gorgeous inside, but...but, but, but, the stuff that was supposed to get done today did not get done. The new gutters are not up, the shed and play structure still have not been painted and the touch ups on the porch and on two of the outside walls where other paint colors show up haven't been done. I don't even think any of them worked today. *sighs* I will be so glad when this is really over. It was supposed to be done today. Not even close.

Anyway, here's the money out for this payday:

$1000.00 to BoA (will pay more next week)
__300.00 to Mom for August utilities
___24.05 Electric (Old House)
___44.87 Phone (Old House)
___72.56 Internet
___19.00 Garbage (Holding Tank)
__100.00 Hawaii 2018 Fund
___19.00 HoA Dues (Old House, Holding Tank)
__100.00 Property Tax Fund (Holding Tank)
__225.00 Monthly Family Chiropractic Care
__100.00 Propane Fund (Old House, Holding Tank)
__100.00 College Fund
__100.00 Appliance Fund
__100.00 Christmas Fund
__100.00 Laptop Fund
__300.00 Beef Fund
__100.00 Cash for week
___40.00 Allowances
__757.82 Car payment (plus extra)
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$3602.30 Total Money Out

I feel like we are really staying on top of things right now. I will still need to buy some produce, but we shouldn't need to buy meat for 6 to 8 weeks. I don't envision any other spending this next week.

Fund Updates

July 7th, 2013 at 08:56 am

Funding Update on the Funds

$127.00 Dues Fund
$300.00 Property Tax Fund
$200.00 Propane Fund
$400.00 Hawaii 2018 Fund
$405.21 Appliance Fund
$400.00 College Fund
$400.00 DH's Laptop Fund
1000.00 Daughter's Laptop Fund
$300.00 Christmas Fund (Plus $155 Amazon GC's)
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3532.21

Payday and Musings

May 11th, 2013 at 03:58 am

Okay, now for all the things that went out of this paycheck.

$1000.00 to Mom
___90.00 Physical Therapy
___35.42 Electric Old House
__757.82 Van Loan (plus extra)
___51.78 Garbage (one extra can this month)
__212.71 Medical
___41.78 Security Old House
___72.56 Internet
__225.00 Monthly Chiropractic Family Plan
__105.00 Propane Fund
___19.00 Dues Fund
__100.00 Property Tax Fund
__100.00 College Fund
__100.00 Appliance Fund
__100.00 Christmas Fund
__100.00 Laptop Fund
__100.00 Vacation Fund (Hawaii 2018)
___28.00 Kids' Allowances
___75.00 Three NZW rabbits from different bloodline
__100.00 Cash for the Week
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$3414.07 Total Paid Out

We are down to owing Mom $72,000. That means 6 years left to go, if we continue on the repayment of $1000 a month. It will be gone when we are both 49. Our van will be paid off well before that. After that is paid off we will work on paying off the mortgage on our small farm that we plan to buy once our house sells. And also play mega catch up with retirement. We want to go into retirement 100% debt free, which will make it easier to get by on less. As will raising our own meat and growing our own produce as much as possible.

It feels like we are finally starting to really pull ahead as I plan for future needs and am able to set the money aside each month. We are two paychecks ahead of our bills now and we have half a month's income in the Emergency Fund. It's getting there and each small step I take has built on the last one. Some people may scoff at $10 here or $5 there, but I know. I know from experience that it is the little things just as much as the big things that get you there.

Updating Funds

May 11th, 2013 at 01:35 am

I added $36 to the Emergency Fund today. It was what was left in checking when the new paycheck hit. That brings the EF to $3642.32. I'm going to bump my May goal up to $3700.

I also funded some funds today, which I'll put the amounts in my payday post, but I thought I'd post my fund totals.

$1000.00 in the Mac Book Fund
__200.00 in the Laptop Fund
__200.00 in the Christmas Fund
__200.00 in the College Fund
__100.00 in the Appliance Fund
__200.00 in the Hawaii 2018 Fund
__100.00 in the Property Tax Fund
__305.00 in the Propane Fund
___89.00 in the HoA Dues Fund

We've got a long way to go on some of these, especially the College Fund, but we will be putting the Christmas Bonus in, as well as most of the tax refund next year (which is ridiculously big because of our HSA that we always manage to use all of).

The Christmas Fund will be augmented by the Amazon gift cards I get from swagbucks. DH's Laptop is limping along and hopefully will continue to do so until I've got the replacement money in place. DD will be getting her MacBook (or equivalent laptop) in August. She's taking some graphics intensive classes next year as a senior. The Appliance Fund is currently earmarked for a chest freezer. Property tax was just paid last month. Propane Fund is just a holding fund until the bill comes and I pay it.

All in all, things are going along pretty smoothly in the Funds department.

Vacation Musings, Computer Issues, and Broken Camera

March 25th, 2013 at 04:12 pm

With the final numbers in, we spent $7,521.76 on our vacation to Disneyland, about $2000 more than I had bargained for. This trip was for seven people (we paid the way for my SIL and 2 nieces). It was a once in a lifetime trip, one they would never have taken on their own due to divorce and the subsequent poverty it brought into their lives, and I think it was well worth the expense to give them this opportunity.

That being said, we may end up carrying a small balance into May. I will be trying my best to pay it off before the due date on April 21st, though. I have paid $5030 of it so far. DH is going to use his miles to get a few free tickets for work, and he has one free hotel stay for frequent visits, so the money that would go toward that will be used to pay off the vacation balance.

I may dip into the EF to pay it off sooner, though. I am used to living with a $1000 EF, so if I use $2000 of it to pay on this, it'll bring it to $1000 again, then I can start rebuilding it. We won't be doing a big vacation again until 2018 or 2019, so and I will be saving up for it starting in June.

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DH's DVD player in his laptop went out so he will now be using the old portable DVD player up at work. I have to start saving up for a new laptop for him. His has other problems as well and it has really been limping along.

My own laptop will have to be taken in as soon as spring break hits. The built in mouse has quit working and I have to use a plug-in mouse with it. My laptop is still under contract so that won't cost anything, but I can't afford to be without it during regular school hours since I use it in homeschooling my son.

If I take it in the Friday before spring break, I should have it back by the Monday after spring break. It usually takes 10 days to fix something since they send it to Seattle. I just hope they can fix it. I know they will replace it if they can't, but it is such a major hassle to transfer everything off one computer and on to the next one. And this one isn't even a year old so I really hate the idea of them not being able to fix it for such a small thing.

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I have been thinking that if we get enough money when we sell the house we will pay off the van. I send in close to $800 a month on van payments (extra to principal), and it would be really nice to knock that payment off. That would mean no debt (besides what I still owe Mom, but that's not on a credit report) going into buying a new house and getting a mortgage. It would also give us more wiggle room to save money and pay for college.

Mom has said we can stay here as long as we like, so we may take an extra year to add money to the downpayment so we won't owe so much when we buy a new house.

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My camera quit working sometime between when I packed it for Disneyland and we arrived in California. I'm not sure how it got damaged since it was in my carry-on. MIL gave each of us $100 before we went on vacation and I didn't spend mine, so I may go to a couple of the pawn shops and see about buying a good camera for very little money.

I use my camera almost daily and I don't like not having one. I don't have to have a top of the line one, but I'd like something more than my cruddy dumb phone camera, and I'm not about to upgrade to a smart phone just for the camera. I've owned my digital camera for ten years or so, and I really hate that it broke. It is possible they could fix it, but I doubt they could do it for less than what getting a new one costs. That is something that really bothers me about technology these days. Oh, well. What can you do?

Meal Planning for the Week

December 31st, 2012 at 04:17 am

On the hard ice cream maker front, the ice cream hardened right up after placing it in the freezer. 2 hours later it was as hard as hard ice cream from the grocery store. Nothing at all like the soft ice cream that your typical ice cream makers produce. I tried a taste of it today and it was delicious and the texture was perfect. And the ingredients cost less than Haagan Daas, so we now can have a nice, safe, all-natural organic ice cream that won't make those of us in this house with food allergies sick.

Here's the meal planning for the week:

Monday--
Beef and vegetable stir-fry
Oranges
Milk

Tuesday--
Turkey and vegetable soup
Blueberry muffins
Milk

Wednesday--
Baked chicken legs
Baked potatoes
Stir-fried green beans
Milk

Thursday--
Baked potato soup (bacon is the protein)
Blueberry muffins
Broccoli
Milk

Friday--
Homemade pizza (homemade sausage, onion, and bell pepper)
Coleslaw
Milk

Saturday--
Wild caught salmon
Broccoli
Oranges
Milk

Sunday--
Beef pot roast
Mashed potatoes and gravy
Cole slaw
Drop biscuits with homemade jam

BoA Payoff Plan, Taxes, and Disneyland Planning

December 26th, 2012 at 11:22 pm

I've run the numbers to see exactly how I will pay off the BoA VISA in the month of January. I will be using the money in the freezer fund to help with this, so:

$2000 on January 4th--$1000, from the freezer fund and $1000 from the extra money set aside for January that I don't need now that the AMEX has been paid off.

$2000 out of the January 11th paycheck.

$2000 out of the January 18th paycheck.

$2000 out of the January 25th paycheck.

That will pay it off even with DH charging a new plane ticket, travel food, and motel cost for his overnight stay in Anchorage.

In February I will need to take $1252 along with the money I have saved in the vacation fund, $400, to buy 7 parkhopper tickets for Disneyland/California Adventure for our planned March trip. So while there will be some debt repayment to the last card, the Chase card, it will be closer to $500 for this month, I think.

When we get our taxes back, it should be close to what we got back last year, which was $8,425. Most of this was caused by deducting the entire HSA amount since we spent so much on medical. The same will be true this year. DH's income should be about the same, maybe off by a few hundred dollars.

About $3000 of that money will go towards Disneyland. The condo is free, the airfare was mostly free, and what wasn't was taken care of a few months ago. That probably seems like a lot of money, but I am overbudgeting to be on the safe side. We will be renting a limo to get us to and from the airport. It actually turns out to be cheaper to do that than to divide seven people and their luggage between two cars.

The only cheaper option is to take one of those buses that stops at every single hotel near Disneyland (and yours is always the last one), but those are always so full you never get to sit with your family and with four children, two of which have anxiety issues, that is not an option. The nine passenger van doesn't have enough room for us and our luggage.

Once we have settled into the condo DH and I will leave SIL with the kids and take a taxi to the nearby Von's to do some grocery shopping. We plan on eating breakfast at the condo and most of our dinners, then purchasing lunch in the park. It will cut food costs substantially.

DH and I have determined to buy everyone one sweatshirt, one t-shirt, a Splash Mountain or Grizzly River Run beach towel and one set of mouse ears as souvenirs. Also autograph books and pens for the kids.

We will need to rent two motel rooms for the night in Seattle before we fly and we will also need to pay for airport parking of two cars when we get back. Also one meal at the airport at least.

Plans for what is left of our tax return after Disney money is taken out is to put $1500 in the Emergency Fund and $3500 towards Chase. I will have an additional $500 from March's pay cycle to pay off Chase completely.

And at that point we will start saving and building the EF and paying down the mortgage which will be under $14K at that point. Currently $1000 is going towards principal every 2 months, so I'd like to make that $1000 towards principal every month until it is either paid off or the house sells. I will also be trying to save $1000 each month for college and will ear mark the tax refund after this one to college savings as well.

3 months and the future begins, unfettered by the credit card debt of years. At least as long as Murphy keeps to himself and all goes well.

Went to Costco, Did a Freezer Inventory

November 12th, 2012 at 10:45 pm

DH and I went to Costco last night. I had not figured out what I wanted to do with my allowance, but I figured it out when we got there. They had a digital crockpot, with a timer for up to 20 hours. The cheap crockpot I got for Christmas last year is already malfunctioning, so I wanted to get a good one at some point.

Some point converged with the present last night. They had the $40 stainless steel one on for an instant rebate of $10 off and then additional mail in rebate of $5 off, so when all is said and sifted, I got a good quality crockpot for $25 plus tax. This will make cooking easier again. I won't have to worry about the crockpot burning.

Still not sure what I will do with the rest of my allowance, probably just set it aside.

We didn't buy too much else there. A case of toilet paper, some prosciutto, and a case of oranges.

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Last night we defrosted and inventoried the mini chest freezer. There is quite a bit of food in there, mostly protein. I still have to inventory the other two fridge freezers, but I pretty much know what is in the main one and can more or less see at a glance what is in the secondary one.

In beef I have 4 packs of stew meat, 1 flank steak, 4 chuck steaks, 3 ribeyes, 2 pounds of hamburger, 4 premade hamburger patties with cheese and bacon mixed in, 1 filet mignon, 2 strip steaks, 1 New York steak, 2 mini-steaks, and 2 packages of prepared Korean beef ribs.

In chicken I have 1 pack of stir-fry chicken, 4 family size bags of thighs and legs, 6 packages of boneless, skinless chicken thighs, and 1 and 1/2 packages of chicken wings.

In pork I have 6 packs of Kirkland low sodium bacon, 1 pack of Trader Joe's uncured bacon, a package of Canadian bacon, and 2 porkchops.

In fish I have 3 12 ounce packages of wild caught salmon.

There are two bags of egg fried rice (one Chinese, one Japanese) from TJ's, a penne pasta meal in a bag from TJ's, a pound of organic broccoli/cauliflower, some cheese, 3 quarts of Italian prunes (home grown), 1 quart of raspberries (home grown), and 1 pint of strawberries. Most of the fruit is in a different freezer.

Starting with next week's meal plan I will be trying to get this meat used up. Pretty much none of it is organic and is left from earlier this year before we started our journey to sustainable, organic eating. I think we can get it finished off in the next couple of months.

Once we buy our new chest freezer, the mini one is going to be used strictly for chicken. It is big enough to hold thirty whole chickens. When we buy our beef it will go in the new freezer, possibly with a half a pig. We'll see how the money flows at that point.

I Hate Racoons

October 29th, 2012 at 08:02 pm

I utterly hate them. They are savage, evil animals in a deceptively cute package. Early this morning a raccon killed two of our female ducks. Did it bother to fully consume either of them? No. It ate half of one and killed the other without eating it. I understand nature, but you know, take what you need, don't kill more than necessary. I swear those racoons are having a good time with it.

So Noisy and Len Tao are gone, laid to rest, leaving us with only Patches and Lady Henry Inigo Montoya. We won't be letting them out until at least 9 a.m. from now on. At least by then we can be sure the predators are gone. At least the chickens are fine. Times like this, I wish we had a dog.

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Last night I transferred the money from ING to pay the property taxes on Wednesday. Since I set aside $100 a month and property tax is $518.17, I had some surplus money in that category, so I took $1.61 to even out my Emergency Fund, which now sits at $1000 exactly, and then the rest of it I dumped into the Freezer Fund. Along with another $10 I shifted, the Freezer Fund now sits at $851.03.

That's basically it, I'm just saving up for the sales tax now. My usual $100 per month will be added next month, plus whatever coin jar scrapings there are and it will be done. I think an even $1000 is a good place to stop. So nice to see a goal within sight. Once I hit it, I'll resume adding money to my emergency fund to build it back up.

I'm not exactly sure when we will purchase the freezer. I guess it will depend on how fast our house sells. If I know we are going to move away from here shortly after it sells, it feels kind of senseless to have it here and then have to move it again. Seems like it would be easier to just have it delivered to our new place when we buy it than to have to move it later and risk the damages that always seem to happen during moving. Well, it won't hurt the money to sit there collecting interest until we know what we are doing.

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This morning when I took DD to school the rain was pretty fierce. The street was flooded about six inches, because leaves were clogging the drain. Our basement is flooding too, but we turned on the sump pump early so it's not too bad. We're actually having a clear patch right now with more rain due tonight. But a little sun is better than no sun. And a little rain is better than what they are getting over on the East coast.

I Hate Raccons

October 29th, 2012 at 08:01 pm

I utterly hate them. They are savage, evil animals in a deceptively cute package. Early this morning a raccon killed two of our female ducks. Did it bother to fully consume either of them? No. It ate half of one and killed the other without eating it. I understand nature, but you know, take what you need, don't kill more than necessary. I swear those racoons are having a good time with it.

So Noisy and Len Tao are gone, laid to rest, leaving us with only Patches and Lady Henry Inigo Montoya. We won't be letting them out until at least 9 a.m. from now on. At least by then we can be sure the predators are gone. At least the chickens are fine. Times like this, I wish we had a dog.

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Last night I transferred the money from ING to pay the property taxes on Wednesday. Since I set aside $100 a month and property tax is $518.17, I had some surplus money in that category, so I took $1.61 to even out my Emergency Fund, which now sits at $1000 exactly, and then the rest of it I dumped into the Freezer Fund. Along with another $10 I shifted, the Freezer Fund now sits at $851.03.

That's basically it, I'm just saving up for the sales tax now. My usual $100 per month will be added next month, plus whatever coin jar scrapings there are and it will be done. I think an even $1000 is a good place to stop. So nice to see a goal within sight. Once I hit it, I'll resume adding money to my emergency fund to build it back up.

I'm not exactly sure when we will purchase the freezer. I guess it will depend on how fast our house sells. If I know we are going to move away from here shortly after it sells, it feels kind of senseless to have it here and then have to move it again. Seems like it would be easier to just have it delivered to our new place when we buy it than to have to move it later and risk the damages that always seem to happen during moving. Well, it won't hurt the money to sit there collecting interest until we know what we are doing.

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This morning when I took DD to school the rain was pretty fierce. The street was flooded about six inches, because leaves were clogging the drain. Our basement is flooding too, but we turned on the sump pump early so it's not too bad. We're actually having a clear patch right now with more rain due tonight. But a little sun is better than no sun. And a little rain is better than what they are getting over on the East coast.

Funding My Funds

October 13th, 2012 at 01:37 am

Today I deposited $69.33 from my coin jar to my Freezer Fund as well as $100 from today's paycheck. This brings the Freezer Fund up to $750.81. The freezer I want is $900 plus tax so I still have a ways to go, but it's nice to be 3/4 of the way there.

My Vacation Fund now sits at $200, my Property Tax fund at $600, Christmas Fund at $100 (very late starting this), and MacBook Fund at $200.

Property taxes are due at the end of the month and will be $518 and some change, so there's plenty in there for that. Things seem to be going along right on track and I hope they continue to do so. It makes things so much smoother when they do.

Forgot to Mention

October 7th, 2012 at 06:09 am

I cleaned out my purse and put all of the money that was left from the last payday into the coin jar. It was $25.63, plus one Canadian penny which went into my Canadian coin jar. I'll try to make a deposit into the CU on Monday. I have over $50 so it's time. I need to go to Trader Joe's anyway, so I can combine trips. This money is headed for the freezer fund.

Tomorrow I need to sit down and pay the bills from yesterday's paycheck. I have already written out the $1000 check to finish paying off DS's forward head posture treatment. It will be nice not to have that hanging over us anymore. I will pay that in person on Monday.

I talked to DH tonight and he has hit the $110,000 mark for the year, so that means that this was the last paycheck they will take Social Security tax out of for the rest of the year. That means an extra $700 take home pay per month until January. I will be so glad for the day when 2/3 of our take home pay isn't going to pay for new medical debt and old medical debt. Life is going to get very easy when that happens because we will be used to living on 1/3 of our income and can start to save like crazy.

Bits and Pieces

August 29th, 2012 at 09:07 pm

I sent for another $5 gift card to Amazon from Swagbucks today, so that should show up in a week. I have gotten $25 worth of free gift cards this month. This is the first month I've managed to do that in. Not bad for 10 minutes worth of effort in a day (if that).

I've qualified for a couple of the good surveys at ACOP this month. Will probably have a decent cash out next month.

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I have two crockpots full of tomato puree cooking down into sauce. I have decided I don't care that it takes longer, it's hands off and that makes it easier for me. The whole house smells like tomato sauce.

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I just found out that my mother invited two of my nephews up to stay next week. Starting on the first day of school. There has been the whole long summer to do this and she invites them up the first week of school? And the first week of homeschool for DS? Sometimes I don't think she thinks things through. My nephews are supposed to be homeschooled, but my sister is...lazy about it. Oh, they do get educated, but not on any kind of a schedule. This is just going to make things ten times harder for us. Oh, well, it's not like I can do anything about it. This is part and parcel of living in someone else's home.

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I hope our house sells fast and we come out of it with a good down payment. I really want to not be subject to Mom's whims. I feel like the dang thing is never going to get on the market, though. They were supposed to paint the outside of the house last weekend and the inside this. For whatever reason it didn't happen and now they are planning to paint it this weekend. The weather is supposed to be good for it, but I'm not sure about how much longer.

And for some reason or other they seem to want to paint the outside first. Even if it rains. This is not a good plan in my mind. *sighs* Since they are fitting us in around other people there is not much I can do about that either.

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We have close to $800 worth of eyeglasses to pay off in the next 3 months (same as cash, fortunately). If it isn't one thing it's another. Our vision insurance only covers glasses every 2 years instead of the industry standard of every year for lenses and every 18 months for frames. They do cover one eye doctor visit per year though.

Unfortunately both kids' prescriptions have changed so much that there was no way of putting it off for another year. Fortunately DH and I are not having any problems with ours and can wait another year. Personally I think insurance companies should take into account changes in the prescription and if there is a valid change, then pay for it or some of it, regardless of how long it has been. Just wanting different frames sooner is not valid, but the eyes changing enough to make a major difference is medical and should be covered no matter what.

Next payday I will finally finish paying the dentist for DH's crowns. Yesterday I made another $500 payment to DS's doctor. That leaves us owing them two more payments, or a total of $1000 left. Ugh. But no interest. I think I'm putting half of next year's tax return straight into the HSA next March.

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I borrowed $300 from the freezer fund which will be replaced over the course of next month (I hope). I needed to buy school clothes and supplies before school actually started and with all the extra medical I've had to pay from DS's head injury this summer, I couldn't budget enough for it. It was either that or take it out of the emergency fund, which I couldn't justify. That is okay, though.

Fortunately DS didn't need much because he's homeschooling, but he did need fall appropriate clothing as he has grown way, way too much since last fall to fit into anything he had. And DD had to have non-marking sole shoes for PE separate from her regular shoes. She has PE all year though and at least her feet have stopped growing. She should be fine except for snow boots (which can wait a few months) and she can always use mine if she has to. DS will need them if we have a bad winter, though. And DH said something about needing new work boots soon. It never ends.

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We got 3 duck eggs today. We were pretty sure we had 2 males and 2 females, but now it's looking like 3 females, with Patches being the one male. Because ducks don't lay more than one egg a day.

Freezer Fund Update

August 2nd, 2012 at 10:23 pm

Since I got my interest at ING, I added it to the Freezer Fund. It was a whopping 90 cents, bringing the Freezer Fund to $410.58. I'm almost to the halfway point. Still a firm believer in every little bit helping, but I sure wish that little bit was interest earned at a higher rate. I miss 4%. Heck, I miss the 7% of my childhood. I don't know if we'll ever get those rates back, but I doubt it. It sure would have been nice to earn $4 for that amount like I would have just a few years ago. Oh, well. It is what it is, and it's 90 cents more than I had last month.

I found some money while cleaning today. 26 cents. Into the coin jar it went. I also found 40 cents in the car and 2 pennies at the grocery store yesterday. If I find 22 more cents this month, which is possible, it will match what I earned last month in interest. Hmm, Baselle, I really see why you're always looking for coins on the sidewalk.

Financial Housekeeping

July 27th, 2012 at 05:58 am

I emptied my purse and DH's wallet of ones and change today and added $17.59 to the coin jar.

I updated my July budget spreadsheet and created my August spreadsheet. I entered in all of the medical spending for the month so far into the HSA tracking spreadsheet. Ouch.

I have a deposit of $48 ready to go into the Freezer Fund tomorrow from my coin jar savings. The Freezer Fund is currently at $409.68 so that will bring it to $457.68.

I did not make jam. It was too hot, even in the morning. I will see about making it tomorrow. I bought a food mill for $70. It has three different plates and is a high rated one. I think one and a half batches of jam will cover that. I am looking forward to not having to peel apricots. And having the seeds out of the blackberries or raspberries.

My English cucumbers finally have blossoms on them and my brandywine tomatoes are starting to turn a very pale shade of yellowy/orange.

Coin Jar Update and Freezer Fund

July 14th, 2012 at 11:16 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.

Money Left Over

July 1st, 2012 at 02:33 am

We went to the ranch this afternoon and purchased our beef and pork. They were having a sale on the pork chops, which made me happy. I had $60 left of my beef money so that will go into the freezer fund.

While we were down there we saw a sign for organic strawberries at a farm stand so I stopped and got 2 half flats for $12 each. I will be making jelly with that. I was excited because it is super hard to find a good source of organic strawberries around here. You can get a pint or a quart at the store, but anything bigger than that is not organic. Raspberries, blueberries and blackberries, yes, but not strawberries which get sprayed a ton. For my fellow NW Washingtonians, they come from Fir Island in Skagit County.

Of course all the other berries all grow in our yard so I know they are organic and don't need to track down a source. Now I have one I'll go back next year. When we move I will be planting strawberries. I thought about planting them here, but waited too long. I could probably still get a hold of some everbearing, but I find the Junebearing ones taste better to me.

I also added $8.59 to the coin jar. The eight ones went into the freezer fund envelope and on Monday I will deposit everything in that, along with whatever ones DH has left before he leaves. I also dumped all the coins out of DH's wallet and added that to the coin jar, $3.11. I am not adding leftover change and ones to the emergency fund again until I hit my freezer fund goal, which is $900. That should cover tax as well.

Making a Deposit to the Freezer/Beef Fund

June 14th, 2012 at 06:19 pm

Oh, my gosh, I apologize for all the typos in my last entry. I was writing it last night as I was drifting off to sleep, and clearly that does not bode well for my ability to type or spell. It's all edited now. 12 mistakes, though! Yikes! Must remember to post a little further away from bedtime when I'm that exhausted.

I had enough coins to roll one each of dimes, nickles, quarters, and pennies. I also had $29 in ones, and $30.56 left over from the June visit to the ranch. So that is a total of $77.06. I have decided not to add to the EF with my coin jar money for now and to instead put that money into the freezer fund.

$100.00 Beginning FF Balance
$+77.06 Deposit Added
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$177.06 Ending Freezer Fund Balance

$622.94 to go. I will be making another deposit to the freezer fund tomorrow, which is payday, of $100. Originally I had decided on the 17.4 cubic foot freezer, but I decided to go ahead with the 19.7 cubic foot freezer, which is big enough to hold an entire beef plus a couple of 25 pound sacks of flour. Although we will likely only get half a beef this time, we will be able to afford a whole beef next year, so having the extra space will be better.

We do also have our small chest freezer that is 5.0 cubic feet, which will probably be empty by the time we do get the beef. I'm in the process of using up everything in it and have it down to 2/3 full, so if we've underestimated the space needed we will have that space as well, not to mention the under fridge freezer.

We will probably have a November or December delivery date for our beef. We can choose it and that will give us enough time to save up for it. I will make the $300 deposit next time we go down to the ranch, which will be at the end of this month.

My Least Favorite Chore

June 5th, 2012 at 12:56 am

I spent about 40 minutes cleaning and organizing my fridge today. It hadn't been done in a while. I think I am the only one in the house who actually wipes up spills as they occur, because I found some unidentifiable nasty goo on the bottom of the fridge underneath the produce drawers. I probably should have used a couple of towels, but the stuff would have colored them if I had, so I mostly used far too many paper towels to sop it up and then an old brown wash cloth to clean it. At least the paper towels can go into the compost bin.

I still need to work on the door frame and the outside of the fridge door, and reorganize the stuff on the top, but I will do that tomorrow when I have more energy. It is nice to have it organized and know exactly what I have again, though. It makes it far easier to meal plan, which I have not done yet for this week, eeep! It also helps me not to waste my leftovers, or buy more of something that I do not need.



New Bedframe/Box Springs Combo Arrived

June 5th, 2012 at 12:19 am

It came just in the nick of time, too. It was quick and easy to set up, only took ten minutes, but DH leaves for the airport in a few hours and will be gone for two weeks.

We won't do business with Wayfair again. When we ordered this bed frame we paid for next day air. It shipped on the 31st and arrived today. The put it in a ground shipment despite us having paid for next day air so it would get here before DH left. When we called them when it didn't arrive next day air they refunded the money for shipping (shipping is totally free now), but of course there was nothing they could do, since it was already on a truck "somewhere."

When we ordered it, it said it would be coming from a warehouse in Bremerton. Instead it came from Sacramento, so there was no chance of it getting here before today even though it arrived in Burlington on Friday. We tried to see if we could pick it up on Saturday when we were in Burlington, but no, because it had been shipped ground we could not. Ground was closed on Saturdays. If it had been shipped air like it was supposed to, we could have. But if it had been shipped air like it was supposed to it would have been here Thursday or Friday and we wouldn't have been wanting to go pick it up at the warehouse.

Still, it's arrived and we've set it up, but we are not 100% sure it's even the one we ordered. The photograph looks different and although the paperwork says the correct name, it does not match the name on the box. Still, it's heavy duty and seems to be working for what we need. DH is going to double check with them when he gets a minute, which may not be for a couple of days.

I am glad they at least refunded the shipping, but I am annoyed that I almost did not get my bed set up before DH had to leave. I guess so far they have handled it well enough, but I don't consider it good customer service if they screw it up so badly in the first place even if they are nice about fixing it. It would have been good value for the money if they'd just done it right in the first place.

At least the product works. I can already feel a huge difference in how the mattress is supported. No more buffalo wallow!

Stuff and Other Stuff--Peanut Butter Cookie Recipe

May 26th, 2012 at 10:10 am

I'm still feeling off. Not quite sick, but not quite right. My allergies are really acting up and it was very hot today, 75 degrees (which is really hot here for May) after several yucky rainy days around 60. Weather swings like that always bother me. I still have the window open at 1:30 a.m. Yes, I know I should b sleeping. Insomnia.

So I didn't stick to my meal plan tonight, either. I made taco meat in the microwave instead and we had tacos and fruit and some lovely milk (the glass bottled organic stuff). I did feel up to making some easy peanut butter cookies, though. Well, I wanted them enough to make them, let's say.

They are so fast and so easy and this time I made them with organic peanut butter instead of Jif (only ingredient was peanuts). They were even better, and I thought the ones I made with Jif were fantastic. (And I'd still be using Jif if Costco hadn't decided to switch to Skippy which DS can't have due to his food allergies, but now we are out and I am not paying regular grocery store prices for Jif, sorry). Oh, and I made it with a duck egg instead of a chicken egg this time so that may have made a difference. (Not from our ducks, they are too young yet, but the food co-op had some and I wanted to try them).

I love my little three ingredient cookie recipe. Just one large egg, one cup of sugar, and one cup of peanut butter. Mix together sugar and egg, then mix in peanut butter, then roll into balls about an inch in diameter. Press down on them with a fork. If the fork sticks use a little water on it. I did not have a problem with sticking this time, though when I used the Jif I had to get the fork wet every fourth cookie or so. I think it was because Jif is creamier and has such a light texture and the organic stuff was denser with a heavier texture and more oil.

Anyway, bake for ten minutes in a 350 degree oven for softer cookies (they won't really look done but they are) or fifteen minutes for a bit harder (like if you were making ice cream cookie sandwiches). It makes about a dozen cookies. Well, I got 14. I guess it depends on the size of the balls you roll.

Today was payday and the money that DH never got paid in February was on this paycheck, so that was nice.

We've had an unexpected expense come up. We had to buy a new set of boxsprings for the bed. I wish to heaven we had never given away the old ones. They were solidly built and these junky ones that came with the new mattress are lousy. They've broken after not even five months use. They are just so incredibly flimsy. They are supposedly rated up to 750 pounds and DH and I are nowhere near that!

I am ticked because the only reason we bought the box springs is that the furniture store guy said it would void the mattress warranty if we didn't. Well...plbbbbtttt! Because without the support of proper box springs the mattress doesn't hold up, does it? The cross pieces in the box spring are made out of the thinnest, cheapest looking particle board. It might as well be cardboard. And of course the 90 day warranty is up.

So we bought an Eco-Lux box spring frame. We'll be out the $49 we spent on our Hollywood frame and of course the money we spent on the box springs. It had really good ratings and seems far sturider than anything else we looked at. Although anything is better than what we've got now. Since I don't trust regular box springs not to be junk now, this sort of thing seemed the way to go. I hope it works otherwise I'm not sure what we can do short of marching into a furniture store and demanding to see the guts of all their box springs.

Tomorrow DS is marching in the Ski to Sea parade and then I am hoping to make it down to Burlington to purchase some more meat at the Skagit River Ranch. I want to get 4 beef chuck pot roasts, 4 packs of bacon, 2 whole chickens, several pounds of hamburger, a pack of the spicier sausage, 4 ribeye steaks and some pork chops. I also want to ask them about how the pig thing works, if we'd have to buy a whole one or if you can do a half. They do have family boxes you can buy at certain times of the year that would be less than buying a whole pig, but I don't think we eat enough pork to make it worthwhile. Usually we have bacon, maybe sausages (though I prefer beef sausage) and hams. On occasion pork chops, but rarely pork roast (unless I'm making pulled pork for burritos). Of course this might taste so good it changes our minds. I do love the bacon and the polish sausages. I wish they made hot dogs. Ever since TJ's made a change in their hot dogs a few months ago I haven't liked theirs anymore.

If we don't get done with the parade in time to go down then we will go next Saturday. The farm store is only open on Saturdays.

Not much else going on. I did pay some bills, but I will try to detail them tomorrow (or technically today, being as it is past midnight).

I Found My Camera and Odds and Ends

May 18th, 2012 at 05:48 am

This makes me so pleased. DH's camera is the one that won't take photos anymore and mine had gone missing, but it showed up today, rather mysteriously. I'm pretty sure it fell through a crack in the space/time continuum, because it was not there last night. Or this morning. Or maybe one of the kids snuck it back after finding it in their rooms or something and isn't saying. But I have it.

It is not as good as the other one, but I hate not being able to take pictures. There have been so many times in the past couple of days when there has been something I've wanted to snap and couldn't. I am still researching new cameras, as I do feel we need to get a good, high quality one soon, but I no longer feel so rushed to do so.

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I almost blew it today on a credit card payment. I had accidentally charged something on one of the paid off cards and then forgot about it until the last minute. And I do mean last minute. As in it was 4:40 and I had to get home to a meal I had started making but left my daughter in charge of. Fortunately she was just finishing putting everything on the table as I walked in the door. I was able to eat in 20 minutes and had enough time to drive over to the one drive-thru branch of BoA that stays open until 6, so I got it paid. If I hadn't paid it today there would have been interest. No more cutting it that close for me!

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I also picked up a prescription because I was on that side of town, $3.35.

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I got gas today. The pump shut off at $50. I don't know why, I pre-paid with my AMEX card and I've never had it shut off before the tank was full except on really hot days and even then it was a gallon shy not this much. It was only 12 gallons and I have an 18 gallon tank and it was empty. It should not have clicked off at 3/4 of a tank, but I was in a hurry so I didn't try to do a second purchase or go in and see what was up. But I figure DH will be home when it runs out again and he can take it and get it all the way full.

Gas was $4.29 a gallon. Ouch. It's cheaper at Costco, $4.17, but not worth the time driving there and the time spent in the line. It works out to be cheaper to pay the 12 cents more a gallon. I actually save money that way, which tells you gas prices are ridiculously high.

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Tomorrow is payday. I will be running around a fair bit to pay things and to do a small amount of grocery shopping. Produce mostly, but I also want to look for some BPA free storage containers. I'd like to replace all of my cheap plastic with either BPA free plastic containers or glass containers.

One of the hints I saw on doing this for cheaper was to buy things in glass containers that you could reuse, but most of what I buy either doesn't come in a container (fresh fruits and vegetables) or doesn't come in glass at all, only plastic or tin. Peanut butter and jelly come in glass, but they are small, so while I might be able to fit a serving or so of some food in one, I wouldn't be able to fit planned over leftovers for the next days meal into something like that. I also do get a glass bottle of mango nectar that my son can have but it has a narrow mouth so it would be hard to store anything in it, except maybe popcorn or rice (which comes in a cardboard box anyway, not plastic). Maybe small uncooked macaroni noodles or shells.

I did see some quart-sized and pint-sized Ball canning jars at Goodwill when I was there that I could use. I would have to buy lids and rings to use those for storage, plastic wrap on top defeats the purpose of using sustainable products, but that is certainly cheaper than Pyrex with lids, which is what I was looking for in that aisle of Goodwill. I found lots of Pyrex, but not any with lids. Something to think on as my reusable plastic wears out and we switch over to products that are better for the planet.

Camera Questions

May 10th, 2012 at 05:52 pm

I'm looking to get a new camera soon, within the next month or so, as DH's good free one that he got from work several years ago has inexplicably stopped working. The button you push to take pictures will no longer fully depress. I will take it into the camera store to see if there is anything that can be done. My own camera is so old that it can only do very short vid clips and the clarity of the photos, while state of the art at the time, are not nearly as crisp as even the cheapest digital cameras today.

So I was curious as to what the folks here on the blogs use? I just want to be able to take nice, clear photos and one minute vid clips. I don't need fancy lenses though I want the ability to zoom in or zoom out. Point and shoot is about where my abilities lie, so something simpler is better than something complicated. I don't want to spend a ton of money on it either, but I don't want to cheap out and not get a decent one either.

Right now I am pretty much confined to having DS take photos with his DSI and filching his memory card. That's okay for some things, but the aren't quite as clear as I'd like them to be.

I do like the idea of the slim cameras that you can fit in your pocket, but I've had no experience with whether those are a good camera or not. Thoughts?

Missing Paycheck

May 9th, 2012 at 02:15 am

So DH was going through his check stubs and realized one was missing for a date back in February. And his numbers were not adding up to where they should have been. So I checked with the CU and it turns out a paycheck was never deposited for that date. It was back in February and it was one of the two day paychecks. I was really sick then. That's the only reason I can think of that I didn't notice. Anyway, he's thinking the time sheet might have gotten lost in the shuffle of start up after a month long shut-down.

So he talked to his boss and his boss is going to figure out what happened there and how to submit for the lost time. The long and short of it is that eventually we'll get about $1000 net when they issue the missing paycheck that we weren't expecting. That would be enough to make the deposit on the grass fed beef and have a little left over for the freezer fund.

It's Late and I Have Insomnia

May 5th, 2012 at 10:10 am

Good a reason as any to blog, isn't it? I have to be up in the morning to let the chickens out at 8, but then I can go back to sleep if I can for a couple more hours. It will be a full day. There is one open house we want to hit up on the hill. It is a rather spacious house at $262,000. No hardwood floors so I imagine it's all the carpeting that makes it so they can't ask for ridiculous pricing. We will hit that house early as we can. The open house starts at ten so we will be there near the start.

After that we will head to Sedro Woolley to Skagit River Ranch. They have a farm store that is open only on Saturdays from 10 to 6. They are a farm that sells grass fed animals. They also sell specific cuts of meat in their farm store and I would like to get some ribeye, t-bone, chuck roasts and hamburger and try them out before making a decision about buying a half a steer later this year. Mom wants to go in on it with us and buy the other half of the steer. Buying a whole cow together would bring the price down a little.

We'll see how it tastes. I am considering this farm and another one that is in Bow. The one in Bow costs less, but it's Chiangus as opposed to just ordinary Black Angus. I know I like Black Angus, but I don't know what difference Chiangus makes in taste, flavor or leanness. I am hoping to visit the other ranch on another day to see if I can buy samples as well.

Then when we get back DH has to set up the computer. The cobbled together mess DS has been using finally stopped working. They were financing 18 months same as cash, so we got an inexpensive desktop only, since our monitor is in perfect condition. DH finally took the back up laptop in to be fixed before the warranty runs out. Hopefully they won't have to wipe it because there are no backup discs for reinstalling windows. I have $200 in the laptop fund, so that money will go towards paying for the new desktop. I was hoping we'd get ahead of the curve on things that were going to go wrong and I'd save up enough before we got to this point, but the thing gave up too soon.

The kids have to have one fuctioning computer between them to write on for their writing assignments and no one wants to give either one of them one of our laptops. They are too hard on things.

It is time for DD to visit the eye doctor and if needed she can get new lenses. Not frames of course, those are every 18 months. She has been complaining about headaches and she thinks her prescription might have changed.

I forsee a very expensive spring/early summer. And sometime before fall I'll need to buy a chest freezer if I am going to get that much meat.

Today is Payday

April 28th, 2012 at 02:20 am

So far today I have paid $700 to BoA VISA, $600 to AMEX, and $265.86 to Costco. We bought two new high pressure, low flow toilets for the old house, plus selected organic groceries there (and some raw sheep's cheese imported from France that they were sampling, so good, and we usually get some kind of expensive cheese when we go there). The toilets were $79.99 each plus sales tax of 8.9%. They are one piece models where the tank is part of the toilet unit, so very easy to install. We also bought gas while we were there, filling the tank for $59.56.

I figured out the budget for this week and next week's pay, and then figured out that since the car payment isn't due until 5/19 and we get paid on 5/18, I could actually skip making a car payment out of next week's check and make it on the 18th in person instead. I could then take the $800 (payment + additional principal that I always make) and put it on the BoA VISA instead. It's cutting it close, but I do still have enough money in the EF to cover the car payment if needed.

That should still have us on track to have the VISA paid off by the end of May or at the very latest the middle of June. I wasn't expecting to have to buy a new bed for DS this month, but sometimes things happen. Maybe we won't have to use the full $1000 I've set aside to have the whole house professionally cleaned. We are going to email about setting up an estimate. Then we can make an appointment to have it done. Then the only thing left to do will be to change out the toilets, get an estimate on fixing the window, and then scheduling an appointment to actually fix the window.

And then we will have to make a decision on replacing all of the interior doors and frames, or letting the house go As IS/Where IS without fixing those things. I don't think we are going to paint. I might get an estimate to see if it is worth it, but...I don't really want to put that much more money into it. I just want it clean, on the market, and not have to worry about it anymore. At least the roof is sound. We are twelve years into a thirty year roof warranty come July, and it was an excellent roof we put on.

The lawn will have to be mowed this weekend though. And probably at least every weekend from this point on, at least in the front where it shows from the road.. *sighs* It won't be too bad. We'll need the gas mower this first time, but after that I can use the push mower. And I can save the back yard for DH when he's home and he can use the gas mower for that.

I have some other bills to pay and set money aside for but I'll probably do that tomorrow. I did make a deposit to the Safety Net of $122.30.

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I forgot to post this before I left, so we took the kids clothing and bathing suit shopping after school, a planned expense, and got spring wardrobes for them (shorts and t-shirts for DS, Capri pants and t-shirts for dear daughter. They each got a bathing suit and I got one, too, though I am annoyed about it. The one I really wanted and liked the colors in various shades of green and blue of the most showed way, way, way too much cleavage even for me, and I'm pretty comfortable with that sort of thing, but dang, I would have had to pin this to feel comfortable in public. It fit so well, too, otherwise. It was an older ladies swimsuit, too. Why do they think we want to show off that much over age 40? It's like the toddler booty shorts. I mean, why? It'd be one thing if I was buying a bikini, but this was a swimdress style suit.

The one I ended up buying was various shades of pink (one of them hot pink, which I do like, but most pastels, which I don't) and brown. I am not really a pink person, but due to things that often tend to be out of my control, I have far too much pink in my wardrobe already. Usually because I just want to be clothed and the only thing left in the styles I like and my size by the time I get to shopping is the pink ones.

But it fits perfectly and supports perfectly. The skirt is a little too long for my preference, but hopefully it won't get in my way when I do the crawl stroke. I used to have one that was so long my hands would tangle in it when I swam laps. This one isn't billowy though at all. So I bought it. One nice surprise is I was able to buy it a size smaller than my other swimsuit. (I like to have two because I swim almost every day mid-spring through mid-fall, and the older one invariably falls apart from all the chlorine mid-season.

I mean, if I wanted to spend over $100 for a suit, I would order one online and get the colors I really wanted, but I don't, and a $33 suit with proper support and coverage, even if it isn't the greatest colors, is fine with me. And DH likes it regardless and says it looks good. It's just my dislike of pink, not reality. Sometimes we have to make compromises in life. This isn't a big one.

We also picked up some school supplies to replace what was worn out or used up, and some OTC medications to replace the stock used up when ill. The last thing I want to do when I am sick is go shopping for medications, so I really like to have enough on hand to treat 3 of us if we go down at the same time (DH is seldom sick).

We went to two stores and spent $73 at one (after $8 off from our loyalty card and were given a $5 gift card because we qualified for having spent over $50). At the other, where we did the bulk of our shopping we spent $265.56 (almost the exact amount we spent at Costco, interesting).

I was so tired by the time we were done, I decided to get takeout pizza instead of making some. *sighs* Willpower, thy name is not LuckyRobin. So that was $27.18. And after a quick run to the store tonight for milk and crackers I am not going to spend any money (except to write out bills) for the rest of the weekend. I hope.

Make it Stop

April 27th, 2012 at 03:56 am

Why do near perfect houses keep coming on the market in the neighborhoods we want to buy in? It's like if they all sell before we are ready, what is going to be left when we are ready? It makes me just a little bit crazy. This one is four blocks from my mother's house, right school district, right price range and appropriately priced, a gorgeous Craftsman (my favorite style) 4 bed 2 bath with hardwood floors and a yard the size of a postage stamp so barely any maintenance at all, but a great back deck. It has two bedrooms on the main floor and two upstairs, so accessibility is good, too. *sighs*

And I have to drive by it four times a day five days a week so it's going to be right there in my brain all the time. It's the shortest route to the schools so I'm not going to not drive by it and waste gas going a different way. But it is taunting me. The only really good thing about it is that it is for sale by owner so chances are it will linger on the market. A lot of folks do not want to deal with someone not using a realtor because of all the extra hassle involved. Me, I don't care.

We have $1,526.94 left to pay off to get our debt to income ratio at 45%, which is where they want it to be to qualify for a 2.9% mortgage at our credit union. Our credit scores are already in the right range. Tomorrow I will make the car payment, another VISA payment, and the AMEX payment. Then on Monday when the money arrives from ING, I will make an additional VISA payment. So we will be below that 45% range by Monday, though it may not trickle through to the credit bureaux until mid May. Not that it matters with no down payment money, but it is one more step in the right direction.

So...question. Does it make sense at all to do a 3% down loan if I am going to make double payments (not just double principal payments, but doubling the first payment with all the extra going to principal) until we've paid off 20% of the loan or is that just asking for trouble? We will have that much money available once the credit card is paid off in a month or two. Or should I stomp on my desire to get out of here and buy a house "right now" and get that 20% saved up. It will take us about a year, less if we sell our house.

How do we ever get past our wants prompting us to think they are needs? I know I could save 3% down in just a few months, but that is probably a stupid thing to do. And it's not like I've even seen the inside of this house. Gah. If we just stay here another year we will be so much further ahead. We'll be out of debt except for the car and the under $18K mortgage (which will go away when we sell the house). We'll be another year gone on the car and I'll have been making extra, extra principal payments on it, too. We'll have an EF of better quality and we'll have the downpayment saved. Life will be less stressful. Okay, I think I've talked myself out of trying to do anything rash or stupid. Trying. But not wanting.

I can do this. I don't need to throw my hard work away on impatient desire. *deep breaths*

Okay, and for the DEC, money spent today was $374.91 for a new twin mattress, box springs, and Hollywood frame for DS. We borrowed Mom's truck and brought it home ourselves and plan to put the old mattress on the curb with a free sign, so no delivery or disposal fees tacked on.

Speaking of wants, but not of wants that make me irrational, while we were at the furniture store waiting for the paperwork, etc., I sat in a lovely recliner in front of a giant screen TV. 70 inches of HDTV beauty. It was playing a scene of ocean waves crashing into a gorgeous tropical beach. I wanted to go there. It was like taking a mini-vacation in my head. I am happy with the big screen TV we have, but that thing is going on my future wants list way down the road, or something like it. We don't go to movies more than once a year usually, but we like to rent them and that thing would be great for the big sci-fi blockbusters.

It was surprisingly not horrifically expensive. Under $3000. I remember when you had to pay that for a 30 inch cathode ray TV with nowhere near this kind of quality. We never did, but I remember when. And there would be an installation fee, because that thing has to be mounted to the wall studs and we'd want it done right. It's on the dreams list, but it's not even in the top ten. And it's a much easier want to squelch than the house thing.

And is it just me or has anyone else noticed that the new article columnist seems to be very into brand names and very anti-generics? It's getting to be a theme.

Computer Issues

March 15th, 2012 at 03:01 pm

Well, I finally heard back from Best Buy. I guess it took the 2 full weeks to realize the laptop was beyond repair, which seriously, it wasn't. All it needed was a new screen. It worked just find if you hooked it up to a monitor. To me, that's like totalling a car because you need to replace the windshield. *sighs*

Anyway, they said I could get a new one of comparable value for free or credit towards an upgrade. I'm sure there won't be one of comparable value. And is that comparable value in today's dollars or in the dollars of the year I bought it? I liked my old laptop. It had the best keyboard in the world for typing quickly, plus a ten-key pad so I could easily enter stuff into spreadsheets.

And will the remainder of my service contract transfer to the new one or be refunded? And what about the one time license for my Office software that was only to be installed on one computer? And what about the fact that I'd just renewed my Kaspersky anti-virus program? Are they going to replace all of that or am I just going to be out of luck on those counts. I might have to make a fuss.

I wonder if I get the broken one back then? Because if I do, we can hook it up to a spare monitor and use it as a backup computer that has Office on it. The kids would like that since they are working out of Open Office and Office 2007 respectively. They probably won't let me keep it, though.

I guess it's a good thing I kept putting money in the laptop fund as I will likely need to buy a new service contract. Won't go without it after how much value I got out of it with these last several repairs.

Computer in the shop again

March 2nd, 2012 at 02:25 pm

I managed to bust the screen on my laptop yesterday. I am still not sure how, but at least it has still got a year on the service contract. I've already gotten my money's worth out of the thing, and never have I been so glad that I bought it.

My cheapo backup laptop that refuses to do more than turn on, turns out it is still under warranty until November even though I didn't buy a service contract with it. It will work when plugged into a monitor though, so I am using it jury-rigged to an old monitor and have plugged in a keyboard and mouse as well, though those aren't necessary. It just makes it easier to use. When I get my Sony back, then I can send in the cheapo one to be fixed. They think it is just a loose wire, which is what I was suspecting.

Anyway, this cobbled together mess is letting me use the internet, though it is slow. It wasn't slow before so I don't know why it is slow now, but it lets me stream. If I want to waste time on the one FB game I play, I have to borrow DH's laptop to do it. They think I should have my laptop back before he leaves again since they will just be swapping out the screen. I hope so.

Bits and Bobs

January 6th, 2012 at 09:46 pm

The mortgage posted to my account. The new mortgage balance is now at $18,544.28.

I added $6.70 to the coin jar.

We filled up the gas tank on the van for $53.84.

We paid $4.74 for a prescription.

I need to pick up psuedophederine, a NyQuil/DayQuil pack, and potassium today, so that will likely be a little pricey.

I have sent a total of $4600 to credit card debt.

DH had to pay $900 for a round trip ticket to work and back. He waited too long and the return part was twice as high as it should have been. *sighs*

I am trying to determine what to make for dinner tonight. Maybe pizza. I still have one of those Rustic Crusts, leftover spaghetti sauce, and some mozzarella cheese. There are a few meatballs left from last night's meatballs so I could crumble them on top of the pizza. I also have yellow onions so could dice some, saute them for a couple minutes, and throw them on as well. Oh, I think there's a ham end as well I could dice up. That sounds good. Not too much work and we can have a laid-back Friday night.

The new mattress is great to sleep on. I've now had two really good sleeps on it.

The PA took x-rays of my hip on Thursday. There is nothing wrong with the bones, so he thinks it is either muscular or nerves. He changed my physical therapy orders to lower stress therapy. If I am still in pain in 2 to 4 weeks he wants to send me to a neurologist, and possibly get an MRI of the area. I really don't want to pay for an MRI right now as we have started our deductible all over again. Oh, I know I have the $2500 set aside already, but I hate to blow through it this soon in the year.

We did run $2500 through the HSA though, just in case.


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