$318.49 Tithe
_500.00 Utilities
_400.00 Grocery Envelope
_700.00 Medical Fund
__75.00 Household Envelope
_115.17 Internet
__36.00 Garbage
_100.00 Car Insurance Fund
_100.00 Gas Money
_100.00 Spending Money Adults
_120.00 Allowances Kids
_200.00 Christmas/Gift Fund
_100.00 Clothing Envelope
_300.00 Cell Phone Fund
--------------
3164.66 Total Money Out

The Christmas/Gift Fund is now up to $900. I will definitely meet my goal of $1200 by Christmas (one of the things DH and I are getting is a propane BBQ so that is why that amount is so high. I want to get a good one. And part of that is for Christmas dinner, too. We get a prime rib roast for that, a new tradition we started last year, because I didn't feel like making another turkey and stuffing so soon after Thanksgiving. It was nice not to have to.

$318.52 Tithe
_400.00 Grocery Envelope
__75.00 Household Envelope
_500.00 Handicapped Ramp (finished paying)
1050.00 New Mattress for DS (delivered and old mattress removal
_280.00 Monthly Chiropractor Family Plan
__71.99 Life Insurance DH
__60.46 Life Insurance Me
_100.00 Spending Money Adults
_120.00 Allowances Kids
_100.00 Car Maintenance
------------
3175.19 Total Money Out

I also paid the six month's car insurance bill from the Car Insurance Fund. I set aside so much every month and then pay it for the discount. There is a ten dollar a month fee to pay in installments and I haven't done that in years. I highly recommend doing it this way. Find a time when you can set the amount of the initial payment aside, like tax refund time, and then save 1/6 of the cost each month until it comes due again. For me it saves $120 a year, which may not seem like much in the long run, but why waste it when I can save it?

$318.47 Tithe
_500.00 Utilities
_400.00 Grocery Envelope
_500.00 Medical Fund
__75.00 Household Envelope
_115.17 Internet
__36.00 Garbage
_100.00 Car Insurance Fund
_100.00 Gas Money
_100.00 Adult Spending Money
_120.00 Allowances Kids
_200.00 Christmas/Gift Envelope
_100.00 Clothing Fund Envelope
_500.00 Handicapped Ramp
-----------
3164.64 Total Money Out

$318.47 Tithe
_400.00 Grocery Envelope
__75.00 Household Envelope
1814.44 Citi
_280.00 Chiropractor Monthly Family Plan
__71.99 Life Insurance DH
__60.46 Life Insurance Me
_100.00 Adult Spending Mone
__50.00 Car Maintenance Fund
_120.00 Allowances Kids
-------------
3290.36 Total Money Out

My Google AdSense Payment hit this week so I combined that with DH's pay and upped the tithe accordingly. I also had some money left in the checking account. No money went into the EF this time as we replaced some items and upgraded others that I was holding off on when we were still in debt and DH needed new boots.

We also got take out more than we should have as I tripped over a floor fan and banged myself into the bedroom door and then as I stumbled forward got my other side on the door jamb. Not fun. I am doing better today, but the last week was really rough. I am still pretty stiff and sore when I wake up, but at least I can dress myself again and walk around without my cane.

I did not spend all of the grocery money from last payday, though, so that went into a new fund, the Freezer Fund. So that envelope was started with $179. I want to get a good freezer, not from Lowe's or Home Depot, so we will have to go to the actual appliance store and price what I want, which is a freezer with a temperature display on the outside and that beeps if the door is open too long. Frost free would be nice as well.

Here's how the paycheck broke down today.

$328.70 Tithe
_400.00 Grocery Envelope
__75.00 Household Envelope
_500.00 Medical Fund
1608.60 Citi
__71.99 Life Insurance DH
__60.46 Life Insurance Me
_100.00 Spending Money Adults
_120.00 Allowances Kids
_100.00 Car Insurance Fund
-------------
3364.75 Total Money Out

Friday was a normal payday for us, no overtime. I have started contributing to the medical fund again because we have dental and glasses to pay for and it was getting really low. After those things are paid for I need to start thinking about saving for next year's deductible. So that may end up being a priority over the Emergency Fund. All it takes is one ER visit in January and we get slammed with almost the full deductible in one go. Since January ER visits have happened the last three years running, it is best to just plan for it.

$318.52 Tithe
_500.00 Utilities
_400.00 Grocery Envelope
_300.00 Medical Fund
__75.00 Household Envelope
_115.17 Internet
_280.00 Monthly Chiropractic Family Plan
_36.00 Garbage
_100.00 Gas Money
_100.00 Spending Money Adults
_120.00 Allowances Kids
_800.00 DS's Driving Lessons
-------------
3144.69 Total Money Out

I also have enough money set aside for DS to renew his driving permit, but that wasn't budgeted for, I just knew I had extra in the checking account that could go for it.

I had a major fibromyalgia flare when we got back from Seattle followed by a cold I'm pretty sure I caught at the hospital, so I haven't been updating anything for a while. I still feel a little cruddy, but at least I am now upright. We are still on a wait and see with DD's tumor. We get another scan in 6 months. As for payday, there were a few hours of overtime on it, and here's what we did.

$337.18 Tithe
_400.00 Grocery Envelope
1000.00 Medical Fund
__75.00 Household Envelope
_753.08 Citi
__71.99 Life Insurance DH
__60.46 Life Insurance Me
_100.00 Spending Money Adults
_120.00 Allowances Kids
_100.00 Car Insurance Fund
_150.00 Gift/Christmas Fund
_100.00 Clothing Fund
_100.00 Laptop Fund
----------------
3367.71 Total Money Out

DH had some overtime on this paycheck so we had $361.93 extra in take home pay. Part of that went to keep the tithe at 10% and the rest to the medical fund since it is getting quite low. We have hit the out of pocket max now, though, so it is just a question of building it back up again. There was about $127 left in checking, just some carry over which will stay in there for next payday.

$354.86 Tithe
_500.00 Utilities
_400.00 Grocery Envelope
_300.00 Medical Fund
__75.00 Household Fund
_280.00 Chiropractor Family Plan
_115.17 Internet
__36.00 Garbage
_100.00 Car Maintenance Envelope
_100.00 Gas Money
_100.00 Spending Money Adults
_120.00 Allowances Kids
1000.00 Monster Mom Loan
-------------
3481.03 Total Money Out

May was a three paycheck month and so this last paycheck was a bit larger than usual. That's because they don't take medical out of a third check. I never remember that there will be a couple hundred dollars of difference on what is already an extra check, so it is always nice bonus surprise. It only happens a couple times a year, so I guess remembering that doesn't stick out in my mind.

$339.26 Tithe
_400.00 Grocery Envelope
__75.00 Household Envelope
__66.55 DH Life Insurance
__60.46 Me Life Insurance
_100.00 Blow Money Adults
_120.00 Allowances Kids
1000.00 Monster Mom Loan Payment
1226.11 Citi
----------------
3387.38 Total Money Out

We've been using the credit card a little more than I'd like. We've been so tight for so long that I think I loosened the purse strings a little too much this month. Oh, well, it happens. And we can pay it. I will try to get better about that, though.

$330.86 Tithe (including AdSense portion)
_400.00 Grocery Envelope
__75.00 Household Envelope
_800.00 Citi
_100.00 Blow Money Adults
1000.00 Emergency Fund
__50.00 Car Maintenance Envelope
_130.25 License Tab Renewal Van
_120.00 Allowances Kids
__50.66 Garbage
_100.00 Clothing Fund
--------------
$3156.77 Total Money Out

The tabs money was money saved from a previous paycheck, not really out of this paycheck, but I will track it with it, since it was paid today. Otherwise paycheck spending was $3,144.64.

Nothing to the EF this payday, but next I should be able to throw $1000 into it. May is a 3 paycheck month. I have to decide if any extra money will go to the EF or to the loan. So far DH's job is secure and looks secure for the foreseeable future, but with the world the way it is is anything really secure? I want that loan paid off so bad, we are so close, but at the same time I know we should still be careful.

The urge to not have to hear snide comments from my mother about how we owe her money (even though we pay consistently, and extra when we can) is very strong. Even though we've paid $108,000 off, that last $2000 still gives her leverage to be a donkey hat. I don't know why my mother has to have turned so mean in her old age. She hasn't always had a spiteful streak. I hate the start of dementia for what it has done to her. If I could go back in time I would have stayed on the hospital payment plan despite the interest rate instead of letting her help us, just so she couldn't use it as something to hold over us.

$318.47 Tithe
_500.00 Utilities
_400.00 Grocery Envelope
__75.00 Household Envelope
_115.17 Internet
__36.00 Garbage
_100.00 Car Insurance Fund
_100.00 Gas Money Envelope
_100.00 Adults Spending Money
_120.00 Kids Allowances
1000.00 Monster Mom Loan Payment
__85.55 License Tab Renewal Truck
-----------
3230.21 Total Money Out

I'm pretty wiped out today from working in the garden yesterday, but I am still hoping to get at least an hour in later today when the sun moves behind a tree. Yesterday I got the rest of the dirt out of the one long raised bed and then got the rotten wood all torn down. Then I started working on weeding the next bed. I got one 8 foot by 3 foot section finished and then about 2 more feet by 2 feet additional done.

I moved 2 wheelbarrow loads of soil as well. Today DS will help with moving soil while I continue to weed. He puts the dirt into the wheelbarrow and then I help him unload it. That is easier for me to do since the wheelbarrow is at a good height for me and the soil is all loose at that point. At least we will do that if I can get my body moving. Some days are much harder than others. It might not get done until tomorrow. I have to pace myself within my body's limitations.

If I don't do it today, I am going to sit down and make myself do a one hour writing sprint. I just need to get over the hump on something and then I can move along on the book again. I tell myself I have to be a productive human being for at least one hour a day, so I don't fall into a slump of just watching YouTube or Netflix all day, every day. That is not good for the mental health.

I sat down and have made up two budgets. One I am calling an emergency budget and one I am calling an extreme no income budget. The emergency budget is for if DH has to go down to 32 hours a week again. The extreme budget is for if he gets laid off. It was looking like we were going to weather this okay, but what with the oil companies getting slammed this week, I don't know. He works as a lead engineer for a construction company that does work for refineries. So this could trickle down to hurt his company.

Anyway, I figured out that with an extreme budget we can get by on $1683.18 a month excluding medical. That's cutting out everything that isn't a bill and cutting the grocery budget in half. Without an income there is no tithe, either, which also cuts things down a fair amount. If DH gets laid off they will continue to pay their portion of medical for two months. I am not sure how much our portion is, but I think it is around $450 a month, so I would have to add that in. After that it would be the full amount for the COBRA. DH would qualify for unemployment so that would basically go to pay medical and if anything was left, to the Emergency Fund, for future months.

With what is in the EF now, that will last four and a half months. We will be harvesting from the garden by then, too. Of course we are going to continue to add as much to the EF as we can between now and any possible future layoff. I feel better having some kind of a plan in place. It is scary to think about, but it is scarier not to think about it at this point. Better to know what we might be getting into.

I hate living with uncertainty. I always have. I just pray his job continues, even if it is at reduced hours. The medical insurance is the big thing. It is what absolutely leveled us last time. When you have people on life-saving drugs, it is sometimes the only thing.

$285.22 Tithe
_400.00 Grocery Envelope
__75.00 Household Envelope
_600.00 Autopays
__66.55 DH Life Insurance
__60.46 Me Life Insurance
1000.00 Emergency Fund
__50.00 Car Maintenance Fund
_100.00 Computer Fund
------------
2637.23 Total Money Out

While I am still putting money into the Car Maintenance Fund and the Computer Fund those will be available to be raided for additional Emergency Fund dollars if it comes down to that. I have no intention of buying a new laptop unless this thing gives up the ghost, but I would like to continue saving with it in mind and of course all bets are off if this lock down gets worse and it affects DH's job more than the cut hours. Looks like that was only for one week at this point and that was on today's paycheck. But it is possible that could happen again down the road.

DH was just told that they will only be working 32 hours a week for the next two weeks. Its because they are waiting on another section of the project to be finished before they can proceed forward with theirs. They also have decided to stop matching in the 401K, but hope to be able to catch that up at the end of the year if things are better. The 32 hours will not affect qualifications for medical benefits.

I did an emergency budget template up, but don't have the exact numbers. DH will run them for me tonight after he is done with work and I can tweak it, but I think we can manage it. I will stop contributions to the Clothing Fund, the Christmas/Gift Fund, the Laptop Fund, and the Car Maintenance Fund. We will cut out the allowances for the kids and the spending money for us. I think that will do it, but if necessary we can cut out the grocery budget for that two week period entirely. We have enough food although we'll be relying strictly on canned fruit and frozen or canned veggies during that time period.

It will break down at least to having a paycheck with 40 hours for the first week and 32 hours for the second and then for the second paycheck 32 hours for the first week and 40 hours for the second. Which is better than two weeks at 32 on a paycheck.

That is assuming things go back up again like they say they will, but I am prepared to stay at 32 and will keep that belt tight.

School has been closed until September. They are graduating the seniors who were doing well enough to pass when the schools closed down and those that weren't will have to repeat. They are housing the homeless people in the high school right now. Apparently they are not behaving well. They are smoking in the gym and have smuggled in drugs and alcohol. I have a feeling the school may be destroyed due to this.

They say it is because they can't have homeless people on the streets right now. I think their hearts are in the right place, but their heads are up their butts. Because when they are outside they are automatically social distancing, but when they are all housed together in one big area they no longer are and they have already been caught sharing needles. I think we will see an outbreak from gathering them up like this.

I am all for helping the homeless. We donate our tithe money (10% of our income) to the Mission, which is a Christian homeless shelter since we don't go to a physical church. But I question whether or not this is going to actually to help them at all. Housing them in a hotel where the had individual rooms would have been far better. The hotels are empty. But the city didn't want to have to pay for that. I have a feeling they will be paying in other ways for a long time to come.

I was thinking about making a $100 donation to the food bank until I heard about DH's hours being cut. Maybe after things go back to 40 hours a week.

$431.17 Tithe
_500.00 Utilities
_400.00 Grocery Envelope
__75.00 Household Envelope
_115.17 Internet
__36.00 Garbage
_100.00 Car Insurance Fund
_100.00 Gas Money
_100.00 Blow Money Adults
_120.00 Kids' Allowances
_100.00 Gift/Christmas Envelope
_100.00 Clothing Envelope
1000.00 Citi
1000.00 Monster Mom Loan Payment
__78.00 Miscellaneous
-------------
4255.34 Total Money Out

I really wish I'd been well enough to cook in February. Our takeout expenses were through the roof. That's what the Citi payment was for. We had takeout nearly every night in February. And the next Citi payment will be for vacation. Some of which we will get back after as it is a damage deposit on the cottage. I have put the card away and we will go back to a normal amount of takeout in the future. It is what it is, but we are able to pay the card off in full and carry no interest. Sometimes health issues make for bad money choices, but people needed to eat, so what are you going to do? Pay the piper, that's what.

I haven't been posting much at all. February was an atrocious month for my health. I had bronchitis, then influenza a, then a 3 day stomach bug (vomiting the whole time), then a sinus infection. It never stopped, just went from one thing into the next, all the while I didn't have Enbrel for 5 weeks. Getting it okayed by the new insurance was an absolute nightmare. And not because they ever planned to deny it, but because everyone involved but me kept dropping the ball.

First the receptionist did not give my new insurance information to the approval specialist and it was two weeks before I checked up on them because they said give it two weeks. Then the approval specialist quit. Then they hired a new one. From that point on I went in and plopped myself down in the waiting room once a week. Okay, two of those times was an appointment for my daughter and one for me, but still, once a week I was in there.

After five weeks without meds they finally go, "Oh, we can get you samples," so I was able to get shots again. Then on Friday the approval specialist said it had finally gone through and I should hear from the speciality pharmacy any day now. I heard from them on Tuesday, but I was out doing appointments and couldn't call back until Wednesday, but it is all set up now and my prescription should arrive next Tuesday.

I have two sample shots left, one I take tomorrow, so that will put me one up on the prescription for back up. Hopefully the company does not change insurances again, because it was horrible to be without that drug. The rheumatologist said that she'd been thinking of doing a trial of a month without the drug to make sure it was really helping and now we don't have to do that. It is definitely really helping, because those weeks I did not have it I went into a full on flare, the most painful one of my life, and it took two weeks of having it again before that went away.

In the middle of all that I was taking care of my mother after her shoulder surgery, except when I got the flu and I literally went to bed for ten days. DH and DS pitched in there. Then eldest sister got really, really sick with massive bleeding. They thought it might be cancer, but the biopsy came back clean, but she will have to have a hysterectomy due to a mass. She's 61, so it's not like she needs that.

So I have been miserable up until about four days ago. I am still sick but have been on antibiotics for six days now. And my brain is functioning again. While I was so sick I watched a lot of mindless youtube videos (mostly reddit readers) because I couldn't hold plots in my head until about two weeks ago. Not even sitcom ones. I haven't read a book in a month, but I think my brain is working enough to do that again.

I still have to take it easy because I have so little strength, but I am slowly trying to get the house back in order and make meals again.

As for finances, I have stayed on top of that. It took all my brain power, but I did. Today I worked out the March budget. There were 20 hours of overtime on this paycheck and there will be 20 hours on the next one (as projected, one week has already been worked of that, so ten down). We will be paying for our vacation with part of the OT (I did have money in savings I could use, but would rather not) tomorrow.

If all goes to plan, we will be about to pay of $2500 in debt this month. $1000 this week and $1500 the next payday. If not, $2000. We did spend a lot on takeout while I was so ill, so some of the OT is going to pay the credit card. And by part, I mean around $1000. But with DH working on so much OT, taking care of mom, taking care of his mom's stuff, take us to the doctor because I was too sick to drive, and having to do laundry and cleaning, he was far too exhausted to cook. And I literally could not get out of bed for a good chunk of time. But still, $2500. That will leave a balance of $2500.

Oh, and our back up refrigerator died on my 50th birthday on February 12th. That was fun. I was too sick to do anything for a milestone, but oh, well. We picked out a new fridge on the 16th. It was the first time I went out and it sapped all my energy for the next few days. Most people could probably get by on one fridge, but I have two tubs of dough going at any one time, and we buy in bulk, usually for a month at a time, so a case of oranges, a case of apples, 20 pounds of potatoes, 20 pounds of sweet potatoes, plus my ferments, and all of the cheese take up a lot of space. It also helps in the summer when I am harvesting a lot of veggies and might not be able to can it or blanch and freeze it on the day I harvest.

We did get one with an ice maker and filtered water, so we can stop buying ice and we don't have to have a filter on the kitchen sink anymore or two gallons of water taking up space in the main fridge. I can see everything now and we can have meal prep in the main fridge. It is nice. But man, refrigerators are expensive now. This one didn't even have all the bells and whistles, it was just a simple side by side. The really fancy ones, what I all my dream fridges, are over $3K.

It cost $1100, but would have cost $1500 if it hadn't been on a President's Day sale. It could have been cheaper with out the ice maker and water in the door, but only by $200. MIL paid for it. We didn't ask her to, but apparently she'd been spending a lot of money on SIL's family so far this year and wanted to even it up. She wouldn't have even known about it, but since she called me on my birthday I mentioned it and that we were going to look at Habitat for Humanity's store where we got our last back up fridge for $25. And she said, "Oh, just get a new one, I'll pay for it."

I did go around with her about that for a bit because I had done some online research before I talked to her and I knew how much they were and that's when she told me how much she spent on SIL and her kids and grandkids and I stopped hemming and hawing and accepted the offer. She said we could spend up to $5K if I wanted. I don't think I could ever do that on an appliance. Maybe for a stove, washer, and dryers, too! No, if we ever get the dream fridge we are paying for it ourselves.

Anyway, that is why I have been so quiet for the last several weeks. Now if you all could pray for me that I can beat this darn set of illnesses down, not contract Covid-19 (killed 10 people here so far), and be able to go on our vacation in a week and a half for our 25th wedding anniversary, I would really, really appreciate it. I can be sick there, too, but I really would like to be able to enjoy the seaside.

I had money left from the previous pay period, so $285.55 of what is paid out here is from there. There was no overtime on this pay check, between DH helping take care of Mom and getting sick. There will be on the next one.

$318.53 Tithe
_400.00 Grocery Envelope
__50.00 Household Envelope
1285.55 Citi
__61.74 Life Insurance DH
__60.46 Life Insurance Me
_100.00 Adult Spending Money
_120.00 Kids' Allowances
__50.00 Car Maintenance Fund
-----------
3446.28 Total Money Out

There was 19 hours of overtime on DH's paycheck this pay period, which was an additional $1070.87 over the new normal pay period. Part of the $800 to Citi was the initial payment and deposit for our vacation in March. Some of it was the new baking supplies and the induction skillets and sauté pan and gluten free flours, a sweatshirt and dress for my DD, a dress and a pair of boots for my birthday, etc.

$425.72 Tithe
_500.00 Utilities
_400.00 Grocery Envelope
_100.00 Household Envelope
_280.00 Family Chiropractor Monthly Plan
_111.08 Internet
__36.00 Garbage
_100.00 Car Insurance Fund
_100.00 Gas Money
_100.00 Blow Money Adults
__90.00 Allowances Kids
1000.00 Monster Mom Loan
_800.00 Citi
_100.00 Gift Fund
-------------
4142.80 Total Money Out