$5000.00 Balance Forward
-1000.00 Payment Made
-----------
$4000.00 New Balance

With the amount of overtime DH is getting, I think we will have this paid off in April, instead of May or June like we had figured at the beginning of the year. He got 15 this week which will be on the next paycheck and will get at least 10 this coming week, maybe 15 again, which will also be on the next paycheck.

I really hope the overtime continues for a while after that, too, because then we can get our three month's of income saved up for. We are about $1600 shy of one month's income. I know some people save for expenses, but I would rather have income. So that is $14,600 we need to save, which I will just round to $15,000.

With 20 hours of overtime per paycheck and keeping our takeout budget under control, we could save $1500 a paycheck, or 10 paychecks until goal. Without it, we could save $1000 a paycheck, or 15 paychecks. Either way we would have it this year, either by August or the end of October. And then we can finally start seriously saving on a down payment for a house, while slowing working towards getting the EF to six month's income.

And DH may get a raise in July. I don't know. When he got his last raise they said he wouldn't get another one before July of 2020, which would be 18 months from his last one. That doesn't mean he will get one, but his boss told him they wouldn't be able to ask the higher ups for one again until then. I am hoping there will be one, since he's really made himself invaluable. His boss says so and so does his boss's boss.

I will be glad when we can move out of here, but it will take a couple years of hard savings, so maybe by the end of 2023 or start of 2024. My eldest sister is going to move in when we move out so mom won't be alone. And so might one of my middle sister's sons. Actually he might move down here for a job and take up residence in the attic, which has two bedrooms and a storage area long before that. It has no heat, but he can use a space heater. The internet doesn't reach up there and it is only wired for 2 prong outlets and not very many, so it is not ideal, but beggar's can't be choosers.

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

Well, my Amazon order came today. Yes, I have been buying a lot of stuff recently, but it has all been planned and budgeted for. I got some new cooking and baking things, which was 2 skillets, a sauté pan, both of which are for induction cook tops but lined with ceramic for easy non-stick cooking (that copper stuff doesn't last), a pastry brush, 2 whisks, two dough scrapers (the pack of two was cheaper than buying one one), a set of 7 stainless steel measuring cups and 7 stainless steel measuring spoons with a leveler, a tortilla press, and 2 dough buckets with lids.

So now I can get started on making the gluten free fridge doughs. I really like the idea of doing this, making up a huge batch of dough that is good for up to ten days and then baking from it. I got two buckets so that I could have the bread dough going and the flatbread/pizza dough going at the same time. And the great thing about this system is that after five days it begins to take on a sourdough flavor.

I really like the idea of making dough once and then baking from it until you run out over several days. Making dough tomorrow is my project. I will do the pizza/flatbread dough first because I want to make Naan bread tomorrow for chicken shawarma.

I used to bake all the time to save money and even though the ingredients are more expensive than wheat flour, it is still much cheaper to make my own gluten free breads than to purchase them and of course I can get a greater variety by doing it myself and it will all be fresh, not frozen.

Monday:
Garlic Herb Baked Chicken
Sweet Potatoes
Green Beans
Oranges

Tuesday:
Beef Stew with potatoes, carrots, celery, and parsnips
Broccoli
Apples

Wednesday:
Chicken Stir Fry with broccoli, carrots, celery, cauliflower, cabbage
Rice
Oranges

Thursday:
Sirloin Steaks
Baked Potatoes
Zucchini and Yellow Squash
Apples

Friday:
DH's work Christmas party
Baron of Beef
Roasted Red Potatoes
Green Beans with Almonds
There are lots of other choices, but none of them appeal to me. The kids will fend for themselves.

Saturday:
Bacon Cheeseburgers
French Fries
Cole Slaw
Oranges

Sunday:
Pork Roast smothered in Onions
Butternut Squash
Green Beans
Apples

I had expected to pay $800 this payday towards the Mom loan, but I ended up paying $1000. I had forgotten that since this was a 3 payday month that the last paycheck of the month would be bigger as they don't take any medical out of it. So that extra $200 went towards this loan instead. That means a total of $1500 was paid on the loan this month. By the end of December the loan will be down to 4 digits.

$11,500.00 Balance Forward
-_1,000.00 Payment Made
-------------------
$10,500.00 New Balance

I have rejiggered the budget again and think that as long as we keep our eating out spending under control we can continue to pay $1500 a month. I just have to keep telling myself that I'd rather be out of debt than to buy a pizza. It doesn't always work, but it works more often than not. I have all the ingredients for making pizza. I do not need to buy one from a restaurant.

Plus I have started back on a diet yesterday, and eating out always makes my weight go up, so that is another incentive to stay out of restaurants and cook at home. I would like to be under a certain weight by my 50th birthday mid-February. I think I can do it if I stick to no restaurant food.

I am thinking about doing a dietbet once I am a few days into eating better again, but I don't know. I am still doing my physical therapy exercises and need to get back to walking. The weather turned beautiful but cold again, so since it isn't raining, I need to start again. Just lacking a bit of motivation.

Last night my son helped me to inventory 3 of our freezers, the mini chest freezer, the spare fridge freezer, and the tall upright we split with my mother. We do have a massive chest freezer in the garage and our main fridge freezer we still need to go through, but the big one is mostly meat and butter and I have a rough idea what is in there, since I have it divided up in compartments, two of chicken, 1 of beef, 1 of pork,1 of lamb, 1 of vegetables, 1 butter, and 1 of fruit. The main fridge freezer is a big mess, but is mostly not meal making food. It is ice, ice cream, fruit bars, dumplings, fish nuggets, and more the quick fend for yourself foods I get for the kids. And lots of ice packs. That one really just needs to be reorganized.

I made room for turkeys by restacking and tidying up, although we did throw some stuff out. It was from 2014, 2016, and 2017 respectively, and at the bottom of the mini-chest freezer. I am going to buy 3, one for Thanksgiving, one for Christmas, and one for Passover. This is the only time of year Trader Joe's carries the organic turkeys, so I plan ahead. We can't afford the fresh off the farm ones anymore, but I still want to be sure my food isn't raised on soy or GMO corn, so I budget for the TJ turkeys which aren't as expensive, but are still much more than standard.

I also had more homemade premade meals than I thought. There was 3 mac and cheese, 6 chicken mac and cheese, 2 mini meatloaves (serves 2), 7 Alfredo chicken (no noodles), 1 baked penné (serves 2) and one pork roast dinner with potatoes and gravy. There was also a bag of cooked sausage crumbles for making breakfast burritos, skillet scrambles, and egg bakes, 1 package of seasoned shwarma chicken ready to be dumped into the crockpot or pressure cooker and 1 package of beef carnitas the same. I didn't realize I had any of those left. I need to make up more. I wish I had known because we spent a lot of money eating out the last 3 weeks and there could have been more easy at home meals if the freezers had been organized.

How much money did I waste on out to eat food, you might ask? We spent $566.97 on eating out the last 3 weeks. I was sick and I was (and am) in the middle of a flare for my two lovely autoimmune diseases, but I really still have to make the effort to cook. I feel a little better today so I am going to try to get some more freezer meals made up after we go grocery shopping. Although the shopping may wipe me out. I will get DS and DH to help with making premade meals.

Dinner tonight is already planned as sausage, peppers, and onions, all of which I found in the freezers last night. I like to do something very easy after expending so much energy shopping. I have to pace myself. It's just the way of it when you are dealing with rheumatoid arthritis and fibromyalgia. I can't do all of what I did before, but if I pace myself and plan ahead, I can do more than I have been doing.

I did find a lot of things I was planning to buy, like bagged bell peppers and onions, roasted potatoes, and a bunch of ground meat (beef, lamb, turkey, chicken) that I was going to buy to make meatloaves and meatballs for the freezer and now I don't have to. And 3 packages of sausage links for breakfasts, too. That means there is the money to buy the 3 turkeys.

I've got my meals planned out until Sunday and then I need to sit down and do a meal plan for the next week. I don't think I posted a meal plan this week because I didn't make one.

Dinner on Saturday will be steaks, roasted potatoes, and a cabbage stir-fry. Dinner on Sunday will be onion smothered pork chops, baked potatoes, and broccoli. I do have apples if anyone wants fruit. At least I feel like the cold is mostly over and I can actually feel up to cooking again.

Okay, so I am going back to doing my payday reports. I was thinking I didn't really need to be accountable anymore, but we have spent so much on eating out the past couple of months that I think I was just fooling myself or fooling you guys, I don't know. It's more I didn't want to be accountable than that I didn't need to, so I'm back at it. I have a couple hundred dollars in checking so that is why the total amount listed below does not match with the 10% tithe if anyone is doing the math. I still have most of that to carry over for next payday, too, if I don't spend it on something stupid.

$327.28 Tithe
_400.00 Grocery Envelope
_400.00 Medical Fund
__75.00 Household Envelope
_600.00 Automatic Payments (4 phones, Hulu, Netflix, Storage)
_280.00 Monthly Chiropractic Family Plan
_100.00 Blow Money Adults
_120.00 Kids' Allowances
_566.97 Citi
--------------
3369.65 Total Money Out

So I started the month at 44,270 words on my novel. The goal this month is to write 50,000 words and hopefully finish or come close to finishing this book. I got off to a slow start but am picking up speed. I did do some plotting and figuring out that I needed to insert a scene to make something make more sense and add a few sentences here and there for an additional character who hadn't been in an early scene. So that took a lot of skimming around the first day and I wrote it the second. The second day was a bad rheumatoid day, but after that I am doing mostly fine.

Word counts so far:
11/1 = 0
11/2 = 266
11/3 = 2037
11/4 = 1624

I am behind schedule by 2745 words, but I think I will be able to catch up, maybe even tonight, but definitely between now and the 7nth, while staying on track daily. I did a one hour writing sprint today already, I think I probably have another one in me. If so I will update the list.

Total word count so far is 3923 and I need to be at 6668. I can catch up now that I am in the flow again, although I will probably have to ice my hands tonight.

...to paraphrase one of my favorite songs from the 80's. The snow started around 3:00 this afternoon and we already have six inches. It's supposed to snow non-stop for the next few days, too. DH and I were out doing our grocery shop. We went to five stores, but the second to last one had closed early due to the weather. We only missed it by about a half an hour, but fortunately that was Whole Foods, which was just a want, not a need, run for sopprasetta.

Usually I will spread out the shopping over a couple of days, but not when the weather is only going to get worse. So here's what I bought at Safeway:

1 Pepsi Throwback (sugar kind, and bad)
2 Pirates Booty
1 Tostitos Lime
2 Classico Alfredo Sauce
2 packages O Organics Popcorn
2 1/2 gallons of O Organics Milk
1 bag of spinach
2 limes
1 box organic blackberries
1 organic red onion
4 organic roma tomatoes
1 lb deli roast beef
1 lb deli roast chicken

I spent $64.86 there. Next we went to Costco and I got:

1 box shredded parmesan cheese
2 4 packs frozen broccoli
1 bag of six bell peppers
1 box of Kodiak Power Waffles
1 bag of sausage patties
1 2 pack of shredded sharp cheddar cheese
2 packages of Yangtze pork
1 4 pack Kerrygold Irish butter
2 24 packs of organic eggs
2 3 packs of organic chicken sausage links
1 bag of peeled garlic
1 2 pack of prosciutto

I spent $172.99 there. Our next stop was the food co-op. We were looking for tortillas without soy in them, but there's had soybean oil so I only ended up buying:

1 head of organic lettuce

I spent $2.99. Next we went to Trader Joe's and I bought:

3 5 lb bags of Russet potatoes
2 packages of uncured beef hot dogs
4 packages of flour tortillas (no soy!)
2 containers of sunflower oil
1 box pita crackers (no soy!)
1 box rosemary crackers (no soy!)

I spent $43.97 there. So total grocery spending was $284.81, well under my $400 two week grocery budget.

We did pickup some household items as well. At Safeway we got 2 bottles of body wash for DH for $6.51. At Costco we picked up a case of toilet paper and 2 4 packs of Zyrtec for $98.99 for a total of $105.50. TP and body wash came out of the Household Envelope and Zyrtec came out of the Medical Fund Account.

Now I shouldn't have to budge from the house until the Snowpocalypse is over.

Last night DS and I got the two big kitchen drawers emptied and wiped out and one has been organized. The stuff that was in the other drawer is in a laundry basket at the moment. It is mostly a bunch of containers that need to be nested and a bunch more lids that I need a small box for so that I can keep them contained in one section of the drawer. I am hoping to find something like that soon.

The lower cabinet was cleaned out as well and there was stuff in there that has been there since we moved here in 2009. I don't think we have ever been in that cabinet since we moved here since it had a broken door that made it awkward to use. It was mostly baking mixes, pudding boxes, and canned goods that were bulging. All of it was full of spiderwebs and egg sacks. Ewwww. That's all been disposed off and scrubbed out and the door is now fixed. Entropy is not my friend.

I did the poor man's version of scrubbing the floor, which it to get a towel sopping wet and soapy and put it down on the floor and rub it around with my feet. I had to let the towel sit in two spots for about twenty minutes to get off some tough spots and they came right out. After that, I rinsed out the towel and then did it again to get the soap up off the floor. The floor is now nice and shiny and I didn't have to use a mop and hurt my wrists scrubbing the two spots. It takes a little more time, but I have to work within my limitations.

Tomorrow's goal is to clean out under the utility table and wipe down the fronts of all the cabinet doors. That should be easy as it is mostly paper bags and recycling under the table and they just need to be gathered and dealt with. Once that is clean then the two recycle bins should be able to stay in there without protruding into the walkway and there will also be room for the four 5 gallon buckets of white flour, white sugar, white rice, and whole wheat flour, that have been taking up residence in the living room for a couple of months.

On next weekend's agenda is to pull out the fridge and get the spot between the cabinet and fridge really well and behind the fridge. Our fridge in on castors so it shouldn't be difficult. Then to do the corner floor cabinet. DH will have to do that as my arms are not long enough to reach back there. It is not bad, but I do want to de-cobweb it and wipe the shelves down and make sure there isn't still some of grandma's stuff in the back. I also want him to clean the kitchen window. I want to launder the valance as well.

There are two top shelves that still have some of grandma's stuff on them that needs to be boxed up and given to my mom to deal with and then that leaves two other high shelves to wipe down, plus the tiny cupboards over the fridge that are about the size of cupboards over a range hood. Very small. Then the kitchen should be done for another year before it needs this kind of deep clean again. And hopefully we will manage to keep it organized in the meanwhile, with just the normal daily stuff of washing the counters, the sink, and sweeping the floor, and washing the floor as needed.

I am really loving having a reorganized kitchen with usable countertops. So many things are now put away and the things that are left out are things that I use every day, or would have if I could get to them. Since starting this, I have used the stand mixer and the blender every day, and the kids have been making coffee. I have easy access to the toaster, which is no longer back in the far corner, and the egg sandwich machine is easy to get to and use. The paper towels are finally back on the paper towel holder, which had gone missing. And there is plenty of room to use a cutting board on the counter instead of sitting down at the table to do so.

And it was just clutter. Badly stacked clutter. Way too much stuff, mostly storage containers and lids. And because I was too sick to deal with it, it stayed there, because apparently no one else can ever put stuff away. I just hope I don't go back to being unable to keep up with this stuff. Today is my last day on Prednisone and I am already dreading what tomorrow will bring, although Wednesday, the day we go down to Virginia Mason, is more likely the day I will crash. At least all I really have to do that day is sit in the van and then sit in doctor offices.

I have hit 5000 steps for the past three days. Since my goal is only at 3000 steps, I think it is time for me to up it. I am actually surprised I have done so much walking. I used to struggle to hit 3000 steps. Maybe it is just the Prednisone. Regardless, I want to keep up with the 5000 steps. Maybe it will make me feel better. My strength has seemed to be recovering from December's plague, but I don't know how real that is. I won't know until the meds are out of my system.

The diet is going okay. I am eating a lot more vegetables, mostly broccoli and cauliflower, but some salads, too. I made fajitas for dinner tonight. Well, DS made the fajitas (after I cut up everything and put the marinade together) and I made the tortillas from scratch. It was my first time making tortillas (though I have done pita bread before). I think it needs to have the salt doubled and I might do half white flour, half whole wheat flour to give it a bit more flavor next time. They weren't hard to do and I only made 8. I think in the future I will do a dough that makes 12 and only make 8 so they will be larger tortillas.

DD decided to try the fajitas. It is her first time eating bell peppers in a long time. DS cooked them until they were soft and hopefully that will help. She does onions just fine. We are just trying to get some more vegetables into her without upsetting her stomach. It has been a slow process.

DH's plane gets in in an hour. I will be glad to have him back home where he belongs again.

Here's something I never thought I'd see myself write again. DH is off to Alaska. He'll be back Tuesday morning, though, and this isn't a permanent thing. They just needed someone with up there experience to check something out in Kenai, take a bunch of photographs, and come back with the info. It was all very last minute. They asked him to go on Thursday.

I'm not particularly thrilled about it. I thought my days of worrying while DH flew were over. It was weird to go back to the airport again. I haven't been out there in two years. Things have changed quite a bit.

There is so much going on here with DD's health and my own that I would never want to have him going up there permanently. I have gotten used to us being together every evening. I went through twenty years of us being apart so much and we were used to it and it didn't bother me very much, but now it is feeling like a whole other ball game. Maybe because I'm not steeled against it anymore.

I don't even know if he is going to get paid extra for it. They didn't discuss it. AK is usually hazard pay, but who knows? He doesn't even know if he is going to get paid for travel time, which annoys me, because if he doesn't, it means he'll lose a day's pay. They are paying for the hotel and airplane tickets outright, but he'll have to be reimbursed for food, taxi, etc. It's not a per diem, they just said be reasonable about it and submit receipts.

If it hadn't been so last minute, they would have given him a company credit card and there wouldn't have been any of this use your own card and get reimbursed later nonsense that I dislike so. DH says they are fast about reimbursing though, like a week. Some of the companies he has worked for took six weeks, which is what turned me off on the whole thing. Plus DH has a tendency to lose receipts.

Today has been pretty laid back, otherwise. I am a little tired from all the cleaning so I am taking it a little easier today. DS still needs to do the kitchen floor and we have two drawers left to wipe out and to organize and if that is all that gets done I am happy with that.

Yesterday was payday and it was the day of our big two week grocery shop. We got started late. Really late. Normally I hate to do things in the late afternoon and evening because the traffic is nasty and the stores are packed. But due to one thing after the other, we didn't make it to do the banking until 4:00.

I noticed how light the traffic was on the way to credit union #1. As we pulled in, there was only one car in drive-thru, but two lanes open so I was able to pull right up and get my cash out and be on our way. It has never been dead like that on a Friday afternoon before.

Then we went to CU #2, which is where I have my medical fund. I keep it separate from regular banking so there is no crossover. It's a little extra running, but it is worth it to me to have the accounts physically separated. So I had to go in, because for some reason they had a $1000 hold on my account and have done for three weeks. Ever since I cashed that big $5000 check from MIL. It should have come off over two weeks ago. They had some kind of glitch. So the teller took it off.

But anyway, we walk in and there is no one visible. This place is always bustling at 4:30 on a Friday. There are several desks that usually have people at them and you can usually see people in the back offices. As we came forward we could see one teller who had been blocked by a pillar and one person at a desk behind a large potted plant, and then a little further there were a couple of women in a walled off office. But at first glance it was like someone had come and abducted all the people.

Back on the road there was still no traffic. We went to store #1, got a front space for parking, in a lot that was 1/3 full. Got in, didn't have to navigate around a ton of people, walked right up to an empty cashier. We were in and out in 15 minutes. This never happens at this time. We hit Safeway right at 5. I kept waiting for a massive traffic back up, but nothing. The lot was only half full and again we got in and out, even with a lot of stuff, quickly. Now normally at 5:30 it takes about 20 minutes to get out of their parking lot. It is usually just atrocious.

We made it to the Food Co-op by 6. No one in the parking lot. Maybe 10 cars when it is usually wall to wall. Only needed 3 things and we were on to Costco. The huge main road was not back upped even a little. Now the Costco parking lot was quite full, but even so, we got a spot right up near the building. A few rows from the door, but still right up front.

We were in and out in another 20 minutes. Never happens. Not ever. Then on to Trader Joe's. Trader Joe's is usually worse than Costco on a Friday, but we were riding the luck. Again, parking right up front and less than 30 minutes in the store.

It took me a while to realize what was even going on. A lot people hadn't been shopping or on the roads to go shopping because they hadn't been getting their paychecks. That has to be it. It is the only thing I can think of that would have made it so easy to travel and shop yesterday. But it felt like a complete Twilight Zone experience.

I did spend right up to my new $500 budget, but I got some really great deals on meat and vegetables. DS and I will be doing more cooking lessons this week and we are both going to be eating a lot more healthy. Some of our go to products have started incorporating soy. These were some of the last few convenience items we were buying, so now we are eliminating the altogether. Sad, but necessary.

I am going to teach him how to make fruit bars and granola bars this week, since they now have soy. They are easy enough to make and then he will have a few safe snack foods on hand. We did find a granola cereal, though, without almonds. It uses pecans instead. I was happy about that. I don't eat granola often because it is not that healthy with the sugar content. This uses maple sugar. Sugar is sugar, so I still won't eat it much, but a little once in a while.

Does anyone have a good club cracker recipe? That's what has soy in it now. I'll take plain, but if there is a multi-grain one, that would be awesome. Just no soy. Even the TJ multi-grain crackers have soy. Soy, last time I checked, is not a grain.

I've got my counters completely cleared off now. I wiped down all the appliances and the knife block. I am just waiting for my husband to get back home so he clean the last two inches in the corner that my fingers are not long enough to reach. There is also a spider there, so there's that. Then everything can go into place and we are going to keep it nice and uncluttered from now on. At least, that is the hope.

I got the pasta shelf and the Asian cooking shelf wiped down and got rid of some soy sauce that was in the back. There were two open bottles, so I dumped those and recycled them. I found out I have more sesame oil and hoison sauce than I thought, so won't need to buy those for a while, but am low on rice vinegar. I don't use it often, though, so probably won't buy more until I run out. I need to get oyster sauce next payday, but I'm good on mirin and coconut aminos for a while yet.

I also found the parts to my Kitchen Aid spice grinder that were missing because someone put them away wrong. I like that one for the heavy duty spices like cloves, fennel seeds, cardamom, star anise, and cinnamon sticks and things that scratch because it has a stainless steel chamber and doesn't throw stuff against the lid.

I also found the other spice grinder dedicated to grinding peppers only. If I try to grind anything else in it, it flavors it with pepper flavors. Not fun when you've been making homemade cayenne powder or chili powder. I found the top to the third spice grinder that I use for herbs, but am not sure where the bottom is. Maybe one of the drawers I haven't gotten to yet. I have 3 more drawers to clean out and reorganize. I'll do that tomorrow. Then all the cabinet doors need to be wiped down and the sink and back splash washed down. Then the kitchen should be done.

I threw out the old can opener. We bought a new one a year ago that does the safe rim, instead of the sharp rim. The cutter part was kind of bent out of shape and wasn't opening right anyway, so I don't even know why it was still around. Oh, and I found the toaster tongs. They make it so much easier to get English muffins out of the toaster.

I've only got two more days of Prednisone left, so hopefully I can finish what I want to get done in that time. I know I will crash back down as soon as I go off it, so I am taking advantage of it while I've got it. There are some more shelves that could do with some organizing that are not in the kitchen, but have excess kitchen stuff on them and I hope to get to that tomorrow, too.

I should be exhausted after the last two days, but I'm not. Prednisone is a wonderful invention. I wish I could feel like this all the time. After I am done with my antibiotics, I am going to get my cortisol levels tested. I think there is something wrong with them if steroids will make me feel decent and functional again. I do have a lot of the same symptoms as my daughter when it comes to adrenal issues, so it is worth getting it checked out.

I am starting to feel a little difference on the prednisone, quite a bit more energy, which I am taking advantage of, but I made the mistake of eating takeout last night and woke up with a very sore throat. I think someone has changed their recipes and added MSG or soy. Another restaurant to tick off the list of safe restaurants. And yes, I know I was trying to get through the whole month with no eating out. I made it three weeks.

Today I started back on my diet. I bought 2 rotisserie chickens and roast beef slices at Whole Foods to help me with that. The only seasonings they use are salt and pepper, and the beef is a real roast they make onsite, so no fillers. I also got some zucchini. I am going to use my veggie sheet cutter and make some zucchini, roast beef, and cheese roll ups for lunches.

I also got some uncured soppressata and some white cheddar and some sharp cheddar, some soups, and sushi rice (but that was for my daughter, I seldom eat rice). I ended up spending a little over $71.

I have really noticed a change in how my body feels since I quit buying only organic or pasture-raised meat. I was trying to save money to use on paying off debt, but I am not sure it has been worth the trade off to my health. I don't know if anyone else would notice it, but with my auto-immune disease, I think it does make a difference to avoid the chemical fertilizers and GMO fed meat.

I don't think I've been in Whole Foods since we started on Dave Ramsey in April, not that I went there often, anyway. I usually went to Trader Joe's, because it is far less expensive. April is when I started buying conventionally raised meat, too. Now that we don't have to worry so much about medical, since that account is fully funded, I think I am going to raise my grocery budget back to $1000 so we can have organic meat and be fully organic on produce again. That will have us adding $600 a month to the medical account instead of $800. In the long run it is an investment back into my health, which does affect medical.

I have an appointment with the rheumatologist tomorrow. I did finally get the approval for enbrel from my insurance company, but nowhere near enough time for her to see how I am doing on it, because I haven't started it yet. That was the original plan before my insurance company got all stupid. That's going to be fun to explain.

I took DD to the sleep doctor today. Because of the nerve pain medicine, she may not need as high a dose of one of her sleep drugs, so she is going to try to wean down to a half dose of it and see how she does, and if it is okay, then wean off it. Since the nerve pain drug has a sedating effect, the other may no longer be necessary. She'll still have to stay on the other one, though.

I was able to make a double batch of breakfast burritos (2 lbs chicken sausage, 24 eggs, 24 tortillas, 2 cups of shredded Mexi-blend cheese) with the help of my son. I taught him how to do the cooking part. He's helped with the assembly since I first started making them. It will be good for the men folk to have those ready in the freezer for breakfasts again.

I also got about half of the counter on the right side of the sink cleared off and deep cleaned. The crockpots are now being stored on the upper shelf of a lower cabinet next to the sink instead of on the counter. I will be able to put my Kitchen Aid stand mixer back over there now. The other half is mostly clutter from plastic containers that have not been stacked together and put away yet. I did get all the lids organized last night. The Costco protein drink boxes (DS drinks these) are the perfect size for that so I used two of them to organize my lids and measuring cups into. I may end up covering them in contact paper to pretty them up, though.

I saw an idea on youtube on using a shallow drawer to store all your spices instead of on a shelf. We use a lot of spices and I was always having to mix the around to find them. Now they are all laid out flat in the drawer with their labels upright and the ones I use the least towards the back. It was big enough to do three full rows, and then a row in the other direction along the ends. I can already see how much it is going to help.

I'd like to eventually just have the mixer, the Keurig, the lid boxes, the knife block and the toaster on that counter. I just have to reorganize the two big drawers and then stack the containers inside each other like they should be. And if I move the knife block over there, I then have room to put the new blender on the left-hand side of the sink. It is too tall to fit under the counter, but there is just enough space for it to fit in the open area next to the sink.

So, yeah, the prednisone is definitely working.

In no particular order:

1. Make saving automatic. If it comes out of your paycheck and automatically goes into a savings account each payday, you won't have time to miss it.

2. Don't eat out or save it only for special occasions. Special occasions are not Friday nights! They are birthdays and anniversaries and seeing old friends for the first time in two years (again, not every weekend). If you must eat out, have a restaurant budget and do not go over it. But seriously, don't eat out. It is probably the number one way to throw away your money with no end result other than a full stomach.

3. Meal Plan and then stick to your meal plan. Shop according to your meal plan and what you already have at home. Take an inventory before you go shopping so you are not buying things you don't need. Unless you are restocking your pantry. Then buying extra is okay, but plan for it.

4. Always have a list when you go shopping. While this is especially important with grocery shopping, it is also very helpful when shopping for toiletries, including amounts. Have a rule that if it is not on the list it doesn't go in the cart. No writing things on the list while you are at the store, either.

5. Convenience wastes your money so don't fall prey to it unless you are sick. It is not hard to cut up vegetables and fruit, tear up your own salad, chop onions, peel carrots, and those lovely potato peeler machines are worth their weight in gold and make that chore super fast. It takes time, but you can save time by doing up all your stuff for the week at once. A food processor makes chopping food and shredded cheese go very quickly. Think you don't have time? Stop watching TV. Or do it while watching TV. And learn to cook. There is no excuse in this day and age of youtube instructional videos for you to not know how to cook. They have super simple ones like how to make scrambled eggs or cheeseburgers to extremely complex ones, like intricate pastries and handmade pasta shapes. You will find what you need to learn.

6. Don't let laziness waste your money. Do you have things that you've signed up for and are on autopay and you just haven't gotten around to cancelling them for months, if not years? Stop dragging your feet and get it done.

7. Don't be loyal to brands and corporations or limit that loyalty. You can buy the same ketchup all the time, but you don't need to always get the same brand of shoes, jeans, toilet paper, tissue, etc. Unless you have a reason, like allergies, there is no sense in staying with a brand that is consistently more expensive.

8. Manage your leftovers so you are not wasting the food you do pay for and incurring extra waste disposal fees because you throw more stuff away than you need to. If your family does not like leftovers, learn to incorporate that food into new meals. Leftover chicken? Make quesadillas, enchiladas, stir-fried rice, or chicken noodle soup. If something will go bad before you can eat it, freeze it, but make sure you do use it up and it hasn't gone to the freezer to die.

9. Have a budget and stick to it. Plan for everything, including irregular expenses in that budget, by breaking down how much you need to save for it each month. Do not get discouraged if you don't get it right the first month, or the second, or the third. Keep adjusting your categories until you do get it right. Don't give up.

10. Don't impulse buy and don't buy something when it first comes out. For non-emergency purchases wait at least a month. You may find you don't even want it anymore, or something better suited to your needs has come out since, or that the price has dropped dramatically. Or you may find it used and in very good shape elsewhere, like Craigslist (always be careful when meeting strangers), e-bay (check shipping costs), and thrift stores. I saw 12 different models of coffee makers, 8 blenders, 3 bread machines, 4 crockpots, and 2 food processors, at a thrift shop the other day when I was looking for my discontinued plate pattern. Look around and take your time. Buying new is okay, but try to find a deal and always look at reviews for the product. Doesn't matter how good a deal you get if it is something that consistently gets one or two star reviews.

I had hoped to be blogging every day this month, but that's a little harder than I thought it was going to be. Most of the time I forget until after midnight, but today I remembered.

Tomorrow is payday and so today I sat down with the grocery ads and went through to see what the sales were. They have been awful for the last 3 weeks, but redeemed themselves this week. I was pleasantly surprised by the meat sales. Boneless skinless chicken breasts and thighs are both on sale for $2.99 a pound. New York Strip Steaks are on sale for $5.99 a pound. We usually get the sirloin ones, because they go on sale at $4.99, but when strip steak is just $1 more per pound for a far superior cut, I will go for it. They also have grass fed beef on sale for $4.99 a pound so I am going to stock up.

They have a couple of pork sales going on as well, but I need to see how big they are, whether or not they have bones, and figure out what they mean by half cut chops. I have never seen that term before. They are both really cheap, one was $1.69 a pound and the other was $2.49 a pound, but those prices may even out depending on bones and I'd rather have boneless if it is a roast. If there is bone in a chop it needs to be on the edge. So we'll see on that one.

They have a pasta sauce I like but don't usually buy because of price on sale for 3 for $5, so I am going to check out the ingredients and see whether or not it has soy in it. If it doesn't, than I will go ahead and get some tomato based ones and some Alfredo ones. While I can make Alfredo sauce, it requires having cream on hand, and it is just easier to have jars on hand.

My son's special peanut butter is on a very cheap Friday only sale, so I will probably get four jars of that, too.

We are very low on cheese, so I will have to go to Winco. They have the best cheese prices in town. Since I'll be over there I'll stop at the Dollar Tree and stock up on soup, too. Fortunately all the grocery stores I shop at are on a pretty close loop. Two miles unless I include Costco and the Food Co-op, which is an additional mile, but still easily on that loop.

DH is taking the truck over to get an estimate on repairs tomorrow. They are a body shop that will bill my mother's insurance directly, but also one that is highly recommended in this town. He'll get an estimate on how much it would cost to paint the whole truck, too, since I want to start saving for that and I have not got a clue on how much that will cost. He also has a dentist appointment tomorrow for a cleaning. Good thing he only has to work until 11 a.m.

Still sticking to the meal plan really well. I don't really like the tater tot casserole my family loves, though, so I had tuna fish spread (no bread), a big salad, and finished off the canned pineapple from earlier in the week. Normally I'll make myself fish and chips on a night like this, but I didn't want to put forth the effort after all the cleaning I did today.

I'll clean out the fridge tomorrow before I go shopping. It's not bad, but someone spilled something in there that looks like juice and didn't tell me and it will need a bit of scrubbing and it is easier to do that before all the new stuff goes in and gets in the way.

I'm not sure if I'll do a one day shop or a two day shop. It really just depends on how well my body is doing. My joints have been hurting the last two days so I may not be able to do it all in one go.

DD is doing much better now. Thanks for all the supportive comments. They gave her IV fluids because she was dehydrated and the doctor agreed that it was a gasteroparesis flare up that caused an adrenal crisis due to not keeping down her meds. So we did everything right. She was there for a few hours, but her blood work came back okay on the cortisol levels, the shot did what it was supposed to do. Her iron levels are improving now that she has been able to eat very lean beef again, so we got confirmation of that. They did do the dumb pregnancy test despite her not needing one.

My birthday present from MIL has arrived yesterday, though my birthday is not until February 12th. She said I did not need to wait to use it if I didn't want to. I got a KitchenAid hand mixer in ice blue, which is really a minty green/blue color. They didn't have it in teal, which seems to be a discontinued color for KitchenAid. It is the color of my stand mixer, my toaster (Oster), and my Keurig. So I went with a color that will compliment the teal.

Today I ordered the birthday present that comes from DH (but will also be using some of the money I got from MIL for Christmas). It is a Dash 1400 watt blender in Aqua, which is also really a minty green/blue color in reality. Unfortunately KitchenAid does not have a blender in ice blue, so this was the closest I could come. I think this is a better blender anyway, more on par with a Vitamix, only slightly better. It was on a very good deal today and what I have been considering purchasing for a good long while. So, no, it's not an electric apple flinger situation.

We have been getting by with a cheap Ninja blender for the last couple of years, but it is one of those ones that you have to hold down to make it blend the entire time you blend it. And it is not that great with frozen things or ice. With this DD should be able to eat vegetables and fruits again that are not acidic. They have to be very pureéd or liquified so there are no long fibers that she can't digest.

You can also make soup in it as it has a soup function. This way she can get back to some healthier food options. And also I can make more low carb veggie soups. And we might be able to do a smooth pureé cauliflower and see if she can tolerate cauliflower that way. We've had to avoid the brassicas, but just maybe she could eat them this way.

I have been slowly investing in quality kitchen appliances the last few years after having cheap ones that break easily and have to be replaced for most of my marriage. I use them all the time, too, so it is nice to have dependable ones. It's not like I really need anything else anyway and cooking and baking make me happy so this has been working by having them be my gifts. I don't have to come up with unscheduled money for them, but I still get to add to my needed (and wanted) appliances/gadgets collection.

I am glad I took my time with these purchases and was able to wait until they came in the colors I liked and were good, high quality items that will last me for years.

They were having a 20% off plus free shipping deal on Vitamin Shoppe today so I went ahead and reordered my vitamins. We were out of Vitamin D (without soy) almost and we take a lot during the winter months here due to SADS. I ordered 6 bottles of it, 2 bottles of Vitamin A (without soy), 2 bottles of fish oil (that does not have polysorbate-80 in it), and a big bottle of Vitamin C (without soy). I spent $123.08 after the discount was applied. I should be set for some time on vitamins.

I started work on the novel again. I wrote about 1008 words and I plan on getting back to it when I finish posting here. I am going to try to post every day this month and I am running out of today, so thought I'd hop on and do this quick.

Still holding strong on cooking from the meal plan and not eating out.

I worked on decluttering my room a bit today. I am taking it one section at a time. I am overcoming years of packrat tendencies, but sometimes it is slow going. I am just sick of living a cluttered existence, so one of my goals for 2019 is to put an end to that. We have been working towards it for a while now.

DS will be getting some more cooking lessons this week and next. He'll be learning how to make the tater tot casserole, homemade pizza from scratch, pork carnitas, chicken shawarma and homemade pita bread, and the sausage/bell peppers/onions stir-fry dish. He is really enjoying the cooking lessons and was bummed that we had to stop in December due to my illness.

I think that about covers it.

I took the turkey out of the freezer on Saturday and except for a bit in the center it is thawed out. So one more day and it should be fully defrosted. The ham is also thawed. I'll be making the picnic ham in the crock pot, 4 hours on low with one cup of water. It comes out perfect that way every time.

Tomorrow I will be tearing up bread for the stuffing and making it so that all I have to do on Thursday morning is put the stuffing in the bird.

DH and DS are on potato peeling and chopping duty. That is the hardest one for me to do with my hands the way they are.

I am going to do the green beans in the instant pot from fresh. They turn out beautifully that way and I can do them ahead of time and then just keep them on warm.

We are keeping it very simple this year. Ham, turkey, mashed potatoes, stuffing, green beans, gravy, and sliced oranges. Normally I do corn, but last year there was a lot of corn left over and this year my biggest corn eater can no longer eat corn, so I'll just eliminate it and save myself the extra step. I need DH to find out if his mother wants a can of cranberry jelly. None of us eat it and I can't remember if it was her or FIL who liked it.

I haven't decided about desert yet. I might ask mom to make an apple or blueberry pie (she has home-canned pie filling on hand and I think I have TJ's frozen pie crusts in the freezer) or I might make pumpkin cheesecake. I have to get out to the store and see if I can find the right kind of graham crackers for crust. Trader Joe's is the safe brand (or Annie's graham cracker bunnies) but if I go, I have to go early as their parking lot is a nightmare after eleven on a normal day. I can't even imagine how bad it will be the day before Thanksgiving. I also need to get some Yukon gold organic potatoes there.

Then I have to go find the safe type of plain cream cheese, which is at the food co-op. Having kids with allergies is so much fun. At least there are versions of things I can use, though.

I need to go through the freezer and pull out all the bread heels I've been saving for the last six months and let them thaw out tonight for making the stuffing tomorrow and then see if I need to add anymore bread in. I have an extra loaf if needed since we buy two loaves at a time. I already have sage and poultry seasoning. I don't know when they stopped putting sage in poultry seasoning, but it irritates me that they quit. It's been at least four years now since I've been able to find a brand with sage in it.

I am going to make up frozen TV dinners again with the majority of the leftovers. They are very convenient to have during the winter. I have many days during the cold season when I don't feel like cooking, so if I can just whip these out we all have a good home-cooked meal anyway. I can do both turkey and ham dinners, too. We will be making an extra five pounds of potatoes so we will have plenty for these TV dinners, too.

Aside from that I also have planned a regular night of just leftovers, then leftover turkey casserole, turkey noodle soup with warm ham sandwiches, and some turkey enchiladas to use up leftovers. I might make loaded baked potato soup with ham instead of bacon as well. We'll see what is left. I will also dice up leftover ham to use in omelettes and egg bricks. I will freeze the diced ham and take it out as needed. I will dice up some turkey for salads, as well.

If I plan like this going in, then I don't waste and that is important when you are using an expensive organic turkey. Well, that is important period. No need to throw any food dollars out the window.

Been a while since I felt well enough to do one of these, but things are improving with the rheumatoid arthritis this week after about three weeks in full inflamation mode and I am typing with relative ease again, which is why I've been posting this week at all.

We had some overtime this week, 10 hours. All of it went to DH's crown, because it turns out our dental insurance didn't cover any of it, even though it said it would when they did the preauthorization. DH is going to talk to HR at work, because the plan they say they have they don't. So that means we have to come up with another $700 or so out of pocket.

I was able to put $600 into the medical fund instead of the usual $400 this payday, but that means that all of that will have to go towards the crown. Fortunately with this deposit there is $961 in the medical fund. We won't have the breathing room I had hoped for, but we will be able to pay for the rest of the crown.

I have done the budget for December and I am including the extra paycheck for November 30th onto that budget and not the November budget, since it is paying for December things. So on 11/30 I can put $400 into the medical fund and on 12/14 I can put in $700, and on 12/28 I can put in $900.

DS has a sleep study on November 26th (at least if they don't reschedule again) and I am not sure how much that will cost us. The family deductible is $2000 and DD has met $1000 of it (her limit), and I know I have met some of it. I think maybe $500. I know DD has met her out of pocket max, but I think that has a per person as well as a per family, too.

So I don't know for sure whether or not we will have any money left for next year's deductible. That $1500 for the crown instead of $750 is blowing us out of the water. Plus DH wants to get new glasses. He's more than due. At least the vision is decent, but it'll still be around $200. He's getting cheap frames no matter what. Nothing fancy. He's already cost us too much medical money with that crown, even if half of it had been covered.

Here's what went out today:

$319.93 Tithe
_400.00 Grocery Envelope
_600.00 Medical Fund
__75.00 Household Envelope
_596.31 DH's Crown (plus additional from last payday)
__61.74 DH Life Insurance
__60.46 Me Life Insurance
_100.00 Blow Money Adults
_120.00 Allowances
_100.00 Clothing Envelope
_100.00 Christmas Envelope
_172.84 Computer Fund
----------------
3051.38 Total Money Out

DH purchased his new computer online today, so the computer fund is now wiped out. I'll start over in December, but I think at only at $50 a month. We were doing $100 because DH's was on it's last legs and it really felt like a race to the finish line on whether or not it would last until we had the money. His was five years old.

We all have newish computers now. Mine is the oldest at barely two years old and it is still in excellent shape, so there is no urgency to build the fund back up. Still, I want to have something going in there, and it is possible a phone could go and have to be replaced, though it is doubtful. I don't think any of them are a year old yet. Maybe mine. But it is serviceable. Who knows what the status of my computer will be in another year and having the money sitting there to replace it if it goes kaput is always the better option.

I didn't mention it before, as it has been a crazy week, but we rehomed our little flock of ducks. I had been thinking about it for a while and with all that has been going on, it has been hard to maintain the farm. It is quiet without them. I miss hearing their little noises and the occasional loud quack. So now there are no more birds on the farm. We are down to just rabbits and the garden.

I have quite a few ripening tomatoes I need to look at and I have got to pick green beans and check for zucchini and cucumbers. I have only gotten one cucumber so far, but I haven't checked for zucchini in a few days, so there are probably a dozen out there, hopefully not too large. I already have one that is larger than my forearm to deal with. I also need to water tonight.

I think there will be enough green beans that I can can them tomorrow. I will try to get it done early in the morning before it gets too hot.

I am thinking about buying a flatbread maker. It's a device that you put the dough on, close it and it flattens it, and then it cooks it. You have to turn it over partway through. But you can make all the flat breads on it and it sets it at the correct temperature, taking the guess work out of it. I can make pita bread on it, but also tortillas, chappati, and roti. It would make it a lot easier since I wouldn't have to roll out the dough.

So many of the flat breads contain soybean oil. I can find tortillas without it, but it is harder on the other flat breads, especially pita. They run the gamut from $32 to $99. Right now I am reading reviews.

I would probably only use it to make tortillas for fajitas and carnitas. I think I'd still buy the large packages for making my huge run of breakfast burritos. It's one thing to make 8 for dinner and another to make 48 in a row for burritos. But I would definitely make pita bread at least once a week. Does anyone have a flat bread maker? I'd be interested in your thoughts.

We still haven't managed to get 100% away from the credit card, so there was a small payment today to bring the balance back to zero. We are getting better at it though. I meant to go into the credit union today to order debit cards for our checking account, but the parking lot was packed and I ended up just going through drive thru, which only had one car in the lane I chose.

I still have trouble standing for long periods of time. Walking is okay, but standing and waiting is very hard on my left knee and hip and my right ankle, so waiting in a long line inside is not appealing. Monday shouldn't be bad since it is not a payday for most of the town like today.

After I did the banking, I went and bought new glasses. I had put $500 into the medical fund and the glasses came to $460.80. I also paid the radiologist from DD's first ER visit. I know MIL said she would pay the medical bills for DD, but I think we can handle this one. That was out of the Medical Fund, not today's paycheck, though. There is now $203.66 left in the Medical Fund.

$200.50 Tithe
_600.00 Monster Mom Loan
_200.00 Grocery Envelope
_500.00 Medical Fund
__50.00 Household Envelope
__25.00 My Allowance
__25.00 DH's Allowance
__50.00 Animal Feed Envelope
__35.00 DS's Allowance
___5.00 DD's Allowance
_217.38 Citi
_141.37 Radiologist
-------------
1857.88

I went through my freezer to decide what kind of meats I want to build my meals around this pay period and checked on my levels of onions, potatoes, carrots, celery, and sweet potatoes (all still good), and then I sat down with my price book spreadsheet and the grocery ads and filled things in around what I already have plus any super sales for staples I want to get.

I wrote everything out on a master shopping list divided into different stores and I put the prices of everything down and added them up. I am under budget with enough left to get milk or bread if we run out later in the week.

Safeway is having a very good sale on Cascade dishwasher soap. I need some, but the sale is $5.49 each if you buy 4 or more, so I am going to go ahead and buy 4. I like having a stockpile and I have $12 left in the household budget, so with payday's $50 added, I'll have $62. I also need to buy my son's body wash and some Puffs tissues, likely a 6 pack. I went through a ton of tissues with this cold. How much body wash I buy will depend on the cost of the Puffs, but I would like to stock up a little.

With the extra $12 I can easily absorb the cost of the extra dishwasher soap into the Household envelope. Unlike with food, I have to account for sales tax of 8.7% in the Household budget. Next week I will be buying more toilet paper (I like to have 2 cases on hand) and deodorant. Something else may crop up, but so far the $50 a week seems to be covering it all.

Tracking our expenses so closely is making me feel an enormous amount of freedom. I know that we will meet all of our bills and have enough extra to pay some on the Monster Mom Loan. I don't feel nearly as overwhelmed now that I know where every dollar goes. I am looking forward to tomorrow when I can fund my envelopes. It is good to have focus again and realize there is a way out if we keep our eyes on our goals.

$1400.00 Citi Card
__82.13 Amex
_125.17
-----------
$1607.30

The paycheck plus what was left of the $1000 went towards finishing off the credit cards. AMEX is done and all auto pays have been transferred off it, so as soon as it clears I will be cutting up that card.

I will finish off the Citi card on next Friday and then it will only be used for the auto pays. We will take the credit cards out of our wallets. They can't be an option. Also next Friday I have car tabs due and a medical bill. There won't be a lot left over, enough to fund the grocery envelope and the household envelope. But then starting on the June 1st payday and continuing forward, we should be able to fund everything else with cash throughout the month.

Yesterday we opened a checking account for my son and then he set up his paypal account to hook into it, so he can now make online purchases directly out of his bank account and no one has to use a credit card. He needed a checking account anyway as he is going to get a job this summer and will need it for direct deposit. He's had a savings account since the year he was born.

He wants to read The Total Money Makeover after my husband is finished with it. He is very determined not to carry debt in his life except for possibly a mortgage. We've already talked about 10% of his income going into retirement from the start. He may not qualify for a 401K immediately, but he can do a Roth IRA until he does. He will also be saving 40% for college and 10% will go to tithing. Then he will need to put 20% into savings for a car and insurance and the remaining 20% will be what he can spend.

He wants to make a budget as soon as he gets his first paycheck, but before anything else he is going to save up $1000 for an emergency fund so he has it in place when he is able to afford a car. I guess we are rubbing off on him. Not so sure about our daughter. With her medical issues I despair of her ever being able to hold down a job.

I went to the credit union today and took out $475 in cash to fund 3 of my envelopes. I put $175 into the groceries envelope, $50 into the household envelope, and $250 into the medical envelope. For medical I am going to start using an old checking account at a different credit union. I took the $250 there this afternoon, deposited it, ordered a box of checks, and ordered debit cards. They even had some pretty checks that were the same cost as plain ones. I chose an American flag with the bald eagle soaring in front of it. I didn't think my husband would fancy the butterflies. So that took $16 out of the medical account right there, leaving a balance of $234.

I tend to write checks for medical except prescriptions. We have been using the credit card for that because we usually go through the drive-thru and it is easier than trying to write out a check on the steering wheel. So we will use the debit card for prescriptions once it arrives. That way DH can have a card, he usually picks up the medicine, and I will have the checkbook. That debit card will be used only for medical. It just makes it a little easier than playing with cash and not having a paper trail. I need a paper trail for medical if we need to deduct again.

I will be funding the medical account with $800 every month, with $200 coming out of each paycheck starting on June 1st. That should cover co-pays, prescriptions, and allow us to save for DD's surgeries. This does not include the amount for the chiropractor which is a monthly set amount for the entire family and I will just pay that out of regular checking. It has it's own budget category.

When the medical account reaches $1000 I will send any additional to the online bank and earmark it for medical on the spreadsheet. I'm not sure when they will let DD have her surgeries, not until her BMI is 40% however long that takes, so the extra will go to save up for that. But whenever the account drops below $1000 I will start adding money back into it. I am not sure how much we really need to set aside for medical. It varies so much in a month. This month alone has 6 co-pays, not to mention the numerous prescriptions.

Because we are switching over to mostly using cash and checks, I am not sure we will be able to make a payment on the loan to Mom until June 8th. I figure if I make the $500 payment towards the beginning of the month, then I will have to stick to the budget the rest of the month. If there is any extra at the end of the month of June I will tack it on to the July payment. If I treat it like a bill due the 2nd payday of the month, that should keep me on track.

I think I'm going to like this Gazelle intensity thing. Even if I can't do it 100% like Dave Ramsey, because we have to keep the EF at $6000 instead of $1000 for upcoming medical reasons, I am trying to focus in like we are. And really, we are. The EF is $1000, the medical fund is the rest of it. Once the surgeries are over than we can be fully doing it, but I don't know when that will be. I guess until then it will just have to be baby steps. Yeah, I saw it. Did it anyway.

I don't usually buy books, but I made a book purchase on Saturday. Yes, my library does have this book, but I was 13th on the waiting list. High demand books mean that people can only keep them out 2 weeks instead of 3, but that was still looking at a possibility of 26 weeks before I could read it, assuming people turned it in on time. Most people don't.

So I handed over my cash, $27.51, to the young man at B&N, who tried to sell me a membership card, but no. I don't buy books often enough to earn back and then benefit from the savings. What book did I buy, you may be asking by now? Well, I finally gave in and decided to read Dave Ramsey. I bought The Total Money Makeover.

I have been avoiding Dave Ramsey for the last 12 years, to be honest. Yes, I did do a debt snowball, but I didn't know about it from reading him. I just figured doing it like that would make me feel like I was making progress faster. Yes, I did build and keep a $1000 emergency fund before doing it, but that was on advice from people here, not based on his method. Although it probably was, since a lot of you have read him. But I wasn't going to.

It wasn't that I thought he was bad or anything. I just didn't want to give up my paid off credit cards. Well, I did give up some of them, but we still have 5. We pay them off in full each month. But...oh, and here's the big but, I've been feeling for a while that we weren't using them responsibly enough, because they are just too easy to use.

But my chiropractor's office plays Dave Ramsey and I kept hearing him on my visits. And then he came up in my suggested videos on youtube. God has been putting things in my path right now that I have been struggling to deal with. Dave is just the last in a line.

First I was struggling with tithing while still in debt to my mother and my internet preacher answered a question on tithing. Then I was concerned that I lacked motivation, but in getting the spending back under control and in doing my five times a week Bible study. Then I was struggling with forgiveness for DH's sister and nieces over the stuff they pulled at Thanksgiving.

Forgiveness was in the next lesson and in such a way that it heals the person who forgives, not the one who holds on to the anger. Doesn't mean I'm willing to have holidays with them, but I might be able to at least see them now. So I asked for help about the budget and in walks Dave Ramsey, so to speak.

So I just finished reading the book last night. It took me 3 days. And I figured out how come I felt that way about credit cards. It's because we just buy what we need with no thought to it. And because I know we will pay it off each month in full, I haven't really been sticking to a budget when it comes to groceries and household expenses or clothing or eating out.

And with these bad habits getting out of hand, things felt tight every month and I didn't feel like I could possibly make payments on the loan to Mom, the only debt we have left. So I sat down and made up a better budget and if we actually stick to it, then yes, I can start paying Mom at least $500 a month.

DH's mother just gave us $1000. We had thought to put it in the Emergency Fund, but I think instead, we will use it to get current. The next two paydays will pay off what we have left on the credit cards before they are due and then we will go down to simply charging the auto pays, which total $407.50. It might be a little lower, but I am allowing $50 for Ting. We don't always go that high, some months we are lower, but we have never been above it, so that is what I put in the budget. But we won't use the credit card for anything else. Nothing but the auto pays. And we will use paypal from our bank account for online purchases, but not until we've had a moratorium on online purchases for six months or so.

I have also budgeted $1000 for groceries/household. I do think I can keep it lower than that, but I haven't been. Since I track my spending, more or less, I know I haven't. We are switching to cash for that. I will start with putting $250 in the groceries envelope. I figure $200 for groceries and $50 for household. Maybe I should break it down into two envelopes, except I usually buy household stuff when I go grocery shopping. We'll see. I know I need to get toilet paper, deodorant, and quart size Ziplocs, which will take up a good share of that $50.

I have transferred all the auto pays to one card, and as soon as the last little bit on the AMEX is paid off, I am going to cut it up and cancel it. I was just using it for Netflix and Hulu. I am also going to cancel my Best Buy card and no longer do any 18 or 12 month same as cash deals. I paid off the last one with part of our tax return. Instead I will be saving up money in a computer fund, though that won't start for a while.

I am not sure I am ready to cut the cord completely with credit cards, but I can't see having more than 3. One is the miles card, which DH will need if he starts working in Alaska again and has to fly all the time. He usually got 2 free flights a year, sometimes 3, so it definitely was worth it. Then there is the one my daughter is a signer on. Then there is the Costco Citi card, but I am not sure if that is going to be worth keeping yet. Without charging all of our groceries and gas, the amount of cash back will dramatically drop, and that was the only reason I got it in the first place.

My head knows that the best thing for us to do is to get rid of all but one card, but I am scared to do it. Mostly because the EF is not where I want it to be. I know you aren't supposed to use credit cards as a back up EF, but you know what 2016 and 2017 were like for us. If we had run out of money at least we would have had those cards to fall back on, which of course, is exactly that attitude I'm not supposed to have.

I knew Dave would let me have it over these ideas and I wasn't wrong. It sure has shown me what I need to work on and try to not rely so much on my security gland ruling what I do.

So next, I go back to an envelope, pay with cash system, except for those auto pays. I am looking into whether or not there are ways to pay them without paying by card. I think you can pay both Netflix and Hulu through paypal, but I'm not 100% sure. I think we can put storage on direct withdrawal, but I don't know about Ting. I haven't been able to find anything about Ting. But one of the reasons I really like doing auto pays on the credit card is so that I only have one due date to worry about, not an additional five. Right now I only have two to worry about and they come out on the same day.

So I will fund this coming payday's grocery/household envelope with $250.00 from the gift money, so all the money in the paycheck can go for the tithe and the Citi card.

I have already handed DH an envelope marked vending for the vending machines at work with $7 in ones that I had in my purse. He is to get $25 a month to use in the vending machines at work (he's been charging them). This gives him a little over $1 a day and the charge is 85 cents, so anything left at the end he can spend or set aside and save it for something he wants. Or he can save it all and quit using the vending machine altogether.

I will also have my own $25 envelope for something I want to do. I have no idea what I want to do with it, but sometimes just saving makes me happy.

I really would like to be able to squeeze out more than $500 a month to pay Mom. It might be $100, it might be $25, who knows? But whatever I can throw at it. She won't like getting weird amounts, but I don't care. It is not up to her how much I pay back at a time. It is up to DH and me.

As soon as we know what is going on in June with the job, I can decide what to do with the Emergency Fund. If I want to bump it down to $1000 and pay Mom with the rest or if we need to keep it there in case of possible job loss. It is scary to keep it at just $1000, but Dave says it keeps you more driven to pay off the debt so you can build the EF up to 3 to 6 months of expenses.

I get it. I get everything Dave says. I think I'm in the stage where I am not yet drinking the Kool-Aid, but I have read the ingredients and directions on the package and started preparing the beverage. He has his baby steps and I have mine. I do want to get there. And I want to get there fast, so time to put our heads down and start pushing that stone uphill.

I know I am not posting a ton right now, but the push to get the last town storage unit cleared out had been ongoing. We had until February 28th to be out and it went down to the wire due to snow.

One of the only fun things about it has been finding all the loose coins. I've found another $3.24 in American money bringing that balance to $5.92 and another Canadian dollar, bringing that to $2.60 Canadian.

We will still have a lot to go through in our out of city units, but at least we will only be paying $225 going forward and not almost double that each month. With the amount of boxes in the out of city units to go through, I believe we will be able to eventually downsize to the one larger unit, which will be $125.

We will be able to wait for nice days now that the last city unit is done. Having to work in the snow or below freezing temps has not been fun. DH did finally find our wedding album and it is fine. I never meant for that album to end up in storage to begin with so it is nice to have it home again.

DH is getting overtime again. He got 10 hours for the week ending last Friday and he has worked both Saturday and Sunday as well, but those will be on the following paycheck. He may get 70 hours this week. All of the money will be helpful as the washing machine is not working right and we will have to get it repaired.

We have been jollying it along, using a hose to fill it, since it was agitating before the water would go in. Originally, it was only doing this at the start, but now it is doing it on the rinse cycle, which means stopping the machine and filling it again for the rinse cycle. Filling it once is bad enough, but having to fill it twice is beyond annoying and means you can't leave the house while using the machine and it wastes a lot of time in the day.

Hopefully there will be a little money left afterwards to go back into rebuilding the emergency fund. DH did get asked to do some safety training for unnamed oil company so he can be the project lead on a project for them. So that one starts after his current project ends and will mean an additional 2 months of work. Which should get him to the end of the six months contract through the job recruiter so that he can be hired on directly with this company or find another job without having to buy out the remainder of the contract.

I am glad he has more work coming, but living in a constant state of not knowing when he will have a secure job is taking its toll on my stress levels. Security has always been my number one issue in life and I really want it back. I don't want to have to worry from month to month if DH will still have a job. I know that a lot of people deal with this situation or worse because they have no emergency fund, but up until a couple of years ago we never had.

It has been tough to go from a life that was always secure to one that is not. It was awful to lose all of the money from our house down payment fund and most of our emergency fund and to be sitting here on the brink of not having an emergency fund at all. It has sucked to have medical emergency after medical emergency with limited or no insurance. I hate having to live like this. It screws with my head.

And just when it feels like we will have a little extra money again, the washing machine breaks and the sun roof on the mini-van starts leaking again. Once we get the money together, I am having the sun roof sealed, since they obviously can't fix it so it actually stays fixed. It will lower resale value, but by the time we sell this thing, it will be 20 years old, so I doubt it will have much resale value anyway. And the second sun roof will still work, anyway.

I won't buy a car with a sun roof again. We seldom used it when it worked because half the time the angle of the sun coming in would shine in the rear view mirror and blind the driver. And with working AC there was no real need for it. Even sitting in the car waiting for someone on a hot day, with the sun roof open, the sun just beat down on us. It just isn't worth it.

If it wasn't leaking into the seat belt holder it wouldn't be so bad, but every time I pull the seat belt out to use it when it has been raining it is soaked. It would have to be on the driver's side. Speaking of the seat belt holder, the other day when I took my seat belt off, it took my hair with it into the seat belt holder. Fortunately the kids were in the car and could pull it back out, because I couldn't move to do it.

So, it is time for a hair cut, I guess. Or I need to keep my hair in a braid when I'm driving. It's down to the bottom of my shoulder blades and it is starting to get caught under my arms when I put my arms down after having them raised. I am rolling over when I am sleeping to sometimes pull it as well if I don't sleep in a braid. I like having long hair, but geesh, it can be a pain sometimes.

I hate wearing a braid outside in the winter, though. It exposes my ears and the back of my neck and I chill so easily. It is long enough to donate if I decide to cut it to my shoulders, which will still keep my ears and the back of my neck warm, at least.

I have been considering getting it layered so it will work with my natural curl. It frizzes a lot when it is all one length and the weight pulls out a lot of the curl, but when it is layered it curls like crazy. It would also cut down on the heaviness since it is so thick. I probably should just bite the bullet and do it. I am getting too old for long hair, I think.

The last time my hair was this long I dithered for months and then got it cut so short I hated it. It wasn't an easy to care for cut, either, which is the main reason why I hated it. Plus it worked against my curls. I know if I layer it, I'd have to use product, which I don't care for much, but it would be nice to have a change. You can see why it takes me forever to decide, hmm? Seriously, does anyone else have this problem? I've been like this my whole life. Always wanting short hair when it was long and long hair when it was short.

Once I do get it cut, I'll make a decision on coloring then. I think most of what I will be left with will have heavy grey streaking. A lot of what is still auburn will be cut off, leaving mostly grey streaked auburn. They grey washes it out, though and makes it look duller. I am not one of those folks who can go blonde because it washes me out and the grey is doing the same. But I hate spending the time coloring my hair, even when it is my daughter applying it instead of me.

Well, enough time spent wasting my morning. I'm off to organize, toss, and donate. It will end some day.

Last week my husband worked 4 ten hour days so that he could have Friday off. We got a lot more done in storage, pulling out five large bags of trash and 2 bags full of recycled paper. We also pulled out another box of papers to shred. We donated another stack of books, probably only 15 this time, not a full box

We have reduced the amount in the larger unit so much that we should be able to get everything in there now. We have until the end of February to finish cleaning out the small 8 x 10 unit that is still here in town. Once that is in there we will just have the 10 x 18 and the 10 x 10 in the county. Then we will transfer what is in the county 10 x 10 into the county 10 x 18 as we go through it. Once we are done it will all fit in the 10 x 18 and our storage costs will be reduced significantly.

I found $0.79 this weekend bringing my found money this year to $3.47 American and $1.60 Canadian.

Monday morning I had to go and sit through a joint replacement class with my mother, as she is getting her hip replaced in March. It was 3 hours long and then of course my mother had to stay and talk for an additional 45 minutes, because she's never met a conversation she can leave. It was awful on my back and hips because their chairs were crap. Of course her care after the surgery will all fall on me again, because neither of my sisters will do anything.

I am very irritated with my mother because she refuses to go into a nursing home for the first week after she leaves the hospital. Medicare will cover it, but she refuses to go. She might be getting all her joints fixed, but mine are breaking down. She's just so selfish about it and I have to suck it up and do it. Last time I ended up on the verge of pneumonia and with so much pain in my joints I had to be on hydrocodone to function. If she would just go in for that first week when she needs round the clock care, I would be able to function so much better during the following five weeks when she will be able to sleep through the night and so will I.

Then in the afternoon I went to my rheumatologist for an appointment ($55 co-pay) and crossed off yet another drug I can't take. The sulfa affected my vision. Now she wants to do an MRI of my hands, but I can't afford it so that is on hold. She gave me some paperwork for an injectible drug, but one of the side effects is cancer, so no. I will just have to muddle along with the hydroxychloroquine.

So all in, yesterday was not one of my better birthdays, especially with the fact that I couldn't even have cake on this diet. But I have lost 13 pounds in two weeks, so it is kind of worth it. I miss sugar and flour though. A lot. I need to update the side bar to reflect my new age of 48.

We still haven't got taxes done, but we are working on it. It looks like we will be getting around $8000 back. I was hoping it was more, considering we spent around $30K in medical expenses last year. We'll need that money to pay for DD's surgery.

We spent the weekend working in storage again. I found 55 cents, bringing my total of found money this year to $2.68 American and $1.60 Canadian. We pulled out 5 big black garbage bags of stuff and filled an 18 gallon and a 25 gallon tote with paper to recycle. I also have another box we filled about 8 inches high with papers to be shredded. We donated two more boxes of books.

I paid off all of the medical bills from my daughter's ER visit. It was upwards of $8000. Our Emergency Fund is down to $5000 or so. I don't have the exact numbers. It is depressing and a little scary to have so little in savings, especially when we still don't know how long DH will actually have a job for.

We have no safety net now if he loses his job. DD still needs to have her sinus surgery, so we will use part of the tax refund for that. It really can't be put off any longer and who knows when we will have insurance again if DH gets laid off. The insurance is really good at least for however long we get to keep it, even if they are taking a boat load of money out of his paycheck for it.

It was nice to see the extra money in the paycheck this week from the tax cut. We'll only see it for this month, though, since in March it will go into the 401K. We really don't want to not put money in the 401K, so as soon as he qualifies it is going in even if it is only 2%.

I've been doing a low carb diet for a week now and lost 10 pounds. I am keeping my total carbs to 60 grams a day, which is what the bariatric specialist recommended last time. This time I am doing it without a weekly cheat day. I am really pushing the water. I feel better already, which is nice because last week I had that nasty stomach virus that's been going around.

The only thing that is bad about this diet is that my acne is acting up. It is supposed to be because when you lose fat the toxins that were locked in those cells come out whatever way they can. In my case it is through cystic acne. It hurts and I hate it, but I'm not going to give up, because I have to get this weight off my body. I don't want to spend the rest of my life like this. It physically hurts too much.

There really hasn't been much going on. Well, other than we lost another rabbit and now I'm afraid there might be something going around the herd. We lost Bonfire, who was out of Firefly and Wildfire, who are both gone, too. But we have her daughter Sadie and we haven't yet sold or butchered her other three offspring so if we want to keep another one, we could.

Then again, I've been thinking of downsizing, so I don't know. But right now this puts us at only 3 breeding age does and I'd like 4. But I might like a doe out of Sadie and Vincent when I breed them, so I don't know. They might not even have a likely candidate in their first litter, either.

The garden is starting to put some volunteers up. There is spinach growing and sorrel. There are onions and garlic as well, that I did not plant in the fall, so maybe they seeded or maybe ones I planted early last spring that never came up, came up now. The kale overwintered and there are some beets, too. I am looking forward to spring and rebirth and growing things and green coming back to the trees and flowers. It always makes me feel better when the dreariness of winter lifts.

I found 13 cents today, bringing my found money this year to $1.26 American and $1.60 Canadian. We spent 2 hours in storage today, which isn't much, but all four of us went out. DD was able to last long enough to get through 3 of her totes. Most of it was either thrown away or put in the donate boxes. That clears a lot of space. I made it through 3 boxes of mostly paper. I had to sort it between keep, shred, and recycle. There was very little keep. I did find some old poetry I'd written, so that will get put into the computer and then that can be recycled.

We had so many manuals from products we haven't had in years. I had 3 fridge manuals, 2 stove manuals, a manual for every electronic gadget I have ever owned, including ones we haven't had in years. I found 3 parts of the pasta maker. I am still missing the bowl part and the attachments, but I am sure they are in one of the kitchen boxes we haven't sorted through yet.

We came home early because it started to pour and the wind was whipping the rain into the unit. We brought home three boxes that I will sort through tomorrow. One is papers and I'm not sure what is in the second one. It might be kerosene lamps, in which case it just goes out to the garage in an easily accessible location for power failures. The paperwork will probably take me an two hours to sort and shred. I'll work on it while listening to Ben Shapiro's podcast tomorrow.

The other box I have already sorted. It was mostly shirts that my son could wear that used to belong to my husband back when he could fit into XL tops. 3 of them are lined flannel, which is perfect for winter farm chores. The box does have a few odds and ends in there, too, that I need to find homes for including my husband's professional baton from when he was a drum major. I told him he ought to put it in his golf bag so it is out of the way. There is also a marble chess set which will go with our games on the top of a book case.

My mother has been remodeling one of the rooms in her end of the house and when it is finished DS is going to move up into it. The room is 12' x 12' and will give him a lot more room than his current 8' x 12' room, which isn't even a bedroom, but a storage room. Once DS is out of there than DH will move a lot of his stuff out of the living room. We will also put one set of shelves in there for our long term food storage. He's going to build me a couple of shelving units as well for the living room, so that for once everything can actually be put away. I get so tired of living in 1000 square feet. Just having that extra 8' x 12' feet available to us with DS out of it will be amazing.

We found some laminated desk tops for free and he will use those for the shelves and attach them to 4" x 4"s to hold them together. The top of one will be at the right height for me to cook on. We will have space to put out our Nuwave oven, crockpot, electric skillet, air fryer, and rice cooker all in a row. That will make meal prep much easier. Cooking is difficult without a stove. We have enough appliances to do it, but not enough usable work space to have more than two out at once, which is limiting. Having even three out at once will change things dramatically. I will also have DH build a little section to store the lids while I am stirring things.

As cramped as things are, I have nowhere to set down lids while I stir and have to hold them and some of them are heavy. If I am having a day where I drop everything because of the RA, they end up on the floor. If I need to add anything in while stirring I have to call one of the kids to hold the lid while I do it or set it on the floor on a towel. It is really quite ridiculous. We don't even have room for a kitchen table, because the "almost" kitchen is so tiny.

The appliances go on the sewing table and a TV tray when I need to use them. The only counter space we have is taken up with the Kitchen Aid stand mixer, the microwave, the toaster, the coffee maker, the knife block, and a dish drainer.

I hate living this way. I know it could be so much worse, but I am ready to leave and find our own space. We just can't afford it. Not with the drain my daughter's medical stuff has on our finances.

Oh, well. I can't change anything right now. I'm not sure if we ever will. I'm so discouraged right now. It's been one thing after another for the past two years. Obamacare has almost bankrupted us. We will never be the same.

We went out to storage again today and spent 5 hours there. We packed a lunch this time and plenty to drink. It was nice to sit in the van with the heat on and get warmed up while we ate. The wind was blowing so hard today.

We got two more of the large black Hefty garbage bags full of trash and one of the large moving boxes as well, which is probably the equivalent of two more bags, ready to take to the dump. We sorted through over a dozen boxes and totes and reduced the contents significantly.

We have two medium size moving boxes and one paper bag full of paper to recycle. A lot of it was magazines. Of the 100 or so magazines we only kept 7. We also are tossing a bunch of old school papers, some from our college, some from the kids younger years. I found my old typing book, which was for an electric typewriter. Some of the keys are different from what a modern computer has now.

So far I have found $1.13 American in change and $1.60 Canadian in change. My son has found over $5 in change, but those were in his boxes, so that is his money.

We got the third bill from the hospital and this one is $6354. I've already gotten two others for $569 and $582, which is what I was expecting for the ultrasound and the doctor bill. I am going to call them on it, because I call BS. She had one urine test and they are charging $1312 for that. No blood draw. She got one bag of saline. And she had a CT scan (which runs anywhere from $1000 to $2000 outside of the hospital, depending on whether or not contrast is used).

She had almost the exact same stuff a year ago, and while we had insurance, I still have the bills that showed the total amount and it is almost triple that. The whole thing should be costing about $3000, since it was $2500 last time, allowing for inflation. At the very least I want to see if they have a discount for paying in cash. Most places do.

I will be so happy to have insurance again. We just have to get through 11 more days. I told my daughter she is just going to have to wrap herself in bubble wrap and not leave her room until February. And no one else is allowed to get hurt or so sick the have to go to the ER either.

Well, I better get to bed. We'll be spending another 5 or so hours at storage tomorrow.