Lucky Robin's Personal Finance Blog

Well, gas prices have hit over $3.00 a gallon here so I will not be making any extra trips to town. I wanted to go in today, but I cannot justify it when I have to make a half trip today for soccer practice, a trip tomorrow and one on Saturday. Used to be I would make two runs on the first Friday of DH's pay cycle, one in the morning to do all the banking and a Costco run while the kids are in school, and then back in again in the evening for Rose's dance class.

I have set up an automatic funds transfer to send $10 to my long term savings account every Thursday, so that brings that account up to $125 as of today. I will have to pick the kids up from school tomorrow instead of waiting for the school bus to come so I can get into town early enough to do the banking. So I won't be able to deposit the $50 in my wallet into long term savings until tomorrow, or the $19 into the freezer money until Monday. These credit unions are on opposite sides of town and both close at 5. I can only get there as soon as 4:30. At least my checking account CU has a drive-thru that stays open until 7, so no worries there.

Fortunately the school is on the route between my house and town so there is no backtracking or wasting of gas. And on Monday the freezer money CU is on the way to Tobias's dance class, so again, no backtracking or wasting of gas.

I will save my Costco run for Saturday after the soccer games. I hate, hate, hate going to Costco on Saturday. On Friday I can do all my shopping, wait in line, and get out to the parking lot in the same amount of time it takes me just to wait in line for the cash register on Saturday.

Come to think of it, though, I'm not really out of anything I need from Costco. Maybe I can just skip the run this month. I think it has just gotten to be a habit to go once a month. My freezer is full, now that the produce market is open it beats Costco prices, and I'm trying to eat down my pantry, and I still have plenty of Omega 3 eggs, Kleenex tissue or T.P., so there isn't a real reason for me to go, other than entertainment value (which can get expensive).

Hmm, maybe I should challenge myself to get through this pay cycle without going to Costco at all. That could definitely save me some money. Okay, so that will be my goal for this pay cycle, along with cutting out extra town runs to save gas.

Today was my first no spend day since joining this site. Didn't pay a bill, use a stamp, drive anywhere, or spend money in any way. That feels pretty good. Especially knowing there probably won't be another one until Sunday. But that is all right.

I did a couple of surveys today and signed up for a couple of freebies. Hung a load of laundry (inside). I am hoping that tomorrow will be sunny. It kept sprinkling off and on all day, but with gorgeous sun breaks. I can only do one load in the house, but outside I can do 3. Maybe I should get a second drying rack from Kmart.

I read somewhere on here about having the washing machine do a second spin and I cannot believe how much faster the clothes dry. This is something that simply never occurred to me before, but makes so much sense.

I have decided that any cash I have leftover in my purse on Friday (payday) will be deposited into my freezer money savings. Right now that is $19, but I may have to buy milk tomorrow. I am going to try to stretch it out. I have enough for Rose for tomorrow, but that is it. Well, I have plenty of yogurt and cheese in the fridge, so I guess the rest of us can do without until grocery shopping in two days.

I did some more knitting on my scarf. I've got an idea in my head of somewhere down the road being able to sell these. I don't know how practical it is, but it might be something to bring in a little income. Everyone who ever sees one loves it. Everyone I've given one to for Christmas said how incredibly warm they are and love the vivid colors. And they wore them all the time.

I had a lot of fun doing them, and made them his and hers, so they played off the spouse's scarf, but were not identical. I wouldn't even know where to begin though in trying to sell them. Maybe one of the seasonal craft bizarres they have in the fall.

I've been considering selling stuff on ebay. Not the scarves necessarily, although I suppose that is an option, but I have a ton of dance shoes (tap, ballet, jazz) that my kids have outgrown and most of them are in excellent shape, seeing as how fast their feet grow they aren't in them long and that dance shoes are only worn inside the studio. I've got several fancy leotards my daughter has outgrown and some really fancy recital costumes.

Those of you who sell on ebay, how do you figure out shipping costs? Do you have a postal scale in your home or do you have something worked out where you go down to the post office or shipping place, weigh it and then wait for someone to buy it before having postage put on, or what? I'm sure this is pretty silly of a question but I tend to get nervous when I start something new and don't have all the info first, so I can work out ahead of time what I will say when I get there.

Seems like there are two things that are constants in my life, bills and weeds. I spent a good portion of my morning getting rid of weeds, but you pull one out and there will be another one there tomorrow in its place. Bills, of course, you can see the anaology, right?

Recieved a bill today from my husband's dentist for some extensive dental work done in February. I'm not really complaining about it, because after insurance we only owe $29.60. Our medical insurance improved greatly at the start of the year, but since our pretax amount out of paycheck went from $175 to $550 to pay for the premiums, I will complain about that. Just a little. Fortunately it coincided with a raise that was completely eaten up by the increase. But we do have vision, better dental, and orthodontist now, which if you'd seen my daughter's teeth, you'd know it was needed. Unfortunately we started her treatment last June so we are out all the money we already put into her mouth. Still she will have stuff going on for three years or so, so it is still a positive when it all comes out in the wash. Just sometimes doesn't seem that way.

I worked on knitting my scarf for an hour today, signed up for a freebie, signed up for fatwallet and quickreturns, hung a load of towels, and baked a loaf of bread and some cookies. Where do you all find surveys that pay money? Most of the places seem a bit shady.

Now I'm off to take Rose to soccer practice. Tobias and I will lap the soccer park twice to get in some exercise today. It is gorgous out, but it will be breezy there by the river, so definitely taking jackets.

Today my mother paid me back some money that she owed me for picking up a flat of flowers she wanted from a nursery that is on the way from my house to town. I did it a couple of weeks ago and between one thing and another, we both forgot about it. But today she gave me $50. The purchase was $48.69 and I was going to make change and she said not to be silly, and to keep it.

So the first thing that comes into my head is, "Cool, I can deposit $1.31 into one of my savings accounts." But then, and this is the big step in how this last little while has turned me around, I thought, "Why not put in the whole $50?" Because it wasn't something I needed to just stick back into my spending. I have enough to get me through until payday Friday. I shouldn't just blow this $50. I should save it.

Wow, where'd that come from? I remember thinking when I posted my goal of saving $10 a week how huge that seemed to me. Then someone said, just wait until you can scrape up $20. Well, rather uncharitably I thought, "Yeah, right. I'm not even sure about making the $10." But you know what? They were right. All of a sudden I have this found money. And I want to save it. Want to. Weird.

So when I deposit my $10 on Thursday, I will also deposit the $50. I had to think about which savings I wanted to put it in, the regular one or the freezer money one. Well, I have decided that one of my goals wil be that as soon as I can save up enough in the regular account to equal $250, then I will open this ING account that everyone is talking about, and get the free $25.

If I put it in the freezer money fund it will take 13 weeks after this one for me of deposting $10 to the regular account before I can open an ING. If I put the $50 in there, it will take me eight more weeks to have enough to open an ING. Plus, I may run into more found money that I can put in there and make it faster.

2 weeks ago, this wouldn't even have occurred to me. Now, it already feels like second nature. It is still hard for me to believe this is me making these decisions and liking them!

Today I rolled up the change in my change jar and deposited it in credit union #3. It came to $33.50 and it goes into my new freezer fund, bringing my total to $54.50. Goodness, it is ridiculous how utterly thrilled with myself I am about saving money. It used to be more thrilling to spend it. I still have to make my $10 deposit to credit union #2 this week, but won't do that until Thursday.

I transplanted my snow peas, spinach, chard (bright lights), lettuce and garlic and I have homemade cloches (okay, they are green Sprite bottles with the bottoms cut off and the lids left off, but they work) available if the weather swings too cold again. Today is a balmy 55 degrees F, so I hope this cold business is over now.

I'll wait until the beginning of May to plant my green beans. I don't have enough cloches for those since I try to plant enough green beans to can for at least a six month supply and to eat fresh all summer. I lost some once by planting to soon in April before and then getting hit with a hard freeze. I do learn from my mistakes. I'll plant kohlrabi seeds in another week as they can stand a bit of cold. I adore them and they are so incredibly expensive in the grocery. And they taste much better from my organic garden.

I try to keep my produce budget as low as possible once my garden is producing. I have strawberries, blackberries, raspberries, blueberries, bush cherries, sweet tree cherries, an apple tree, 2 pear trees and an Italian plum tree, so something is usually bearing fruit all summer and I freeze the excess. Veggies vary yearly, based on what I learned from the year before. It helps a lot, but I am going to be even more aggressive this year and see if I can't can or freeze enough for a whole year. I don't like being at the mercy of store prices.

Our 401K statement came yesterday and I couldn't be more thrilled. When the economy tanked after the tragedy of 9/11 our 401K dropped from $18,000 to $10,000. We deterimined to hold the road and continue to have an aggressive fund and today our total is at $35,802.11. The last couple of years have really rebounded, but this last 12 months has been really zooming.

For the quarter we contributed $592.68, work contributed $475.24, dividends were $123.05, unrealized gain was a whopping $1702.18, minus a fee of $42.83. That is a total increase of $2850.32! In three months. Wow. Long term thinking can pay off and realy make things better.

My mood has improved immeasureably when I realized that our $401 K is almost $5000 more than our credit card debt. It makes paying off the credit card seem that much more possible.

I signed up for my first trial membership today through MyPoints and should get $40 in gas gift certificates. Gas is my biggest non-fixed expense so this should help a great deal. I've been a member of MyPoints for years, back when it was Bonus Mail and you got 50 points for each offer instead of 5. But I've never worked it the way you folks do around here, so this should be an interesting adventure.

My goal for my MyPoints points (ugh, that's a mouthful) is to get enough saved up to eventually be able to get gift cards to Office Depot to use to buy a new laptop. Mine is falling apart on the outside and I feel like its held together with rubberbands and bubble gum.

I was able to get into the toothpaste freebies last night, yay! And signed up for a couple more today.

Woke up to more snow but its gone now. Went to Rose's soccer game and very unfrugally purchased 2 hot chocolates for a total of $3.00. Justified it because it was 39 degrees and I needed it to warm my hands up, and so did Rose. Tobias didn't play in his game today as he decided this morning was a good time to upchuck all over the back of the car, so he got dropped off with grandma. Thankfully I had plenty of time to clean up the car and get Rose to her game on time.

My mother decided to have both kids spend the night so I am getting some much needed rest, not having slept well two nights running. Of course, if I didn't stay up late reading old blogs...

Oh, I finished knitting my Dad a chenille scarf that he wanted for his birthday and gave it to him this morning and this afternoon picked up some new Chenille yarn (on coupon) in a rust/orange (more rust than orange) and then some black with multi-colored flecks. So far I only know how to make scarves and hats, but I enjoy that. It is very soothing after a stressful day. It's either that or play solitaire and at least knitting has a useful end product.

I went shopping today after leaving the kids off. I went to Terra Organica, our local organic food store and bought veggies (but not the horribly overpriced ones), sliced turkey breast ($10), honey spelt bread loaf ($5) for Rose's school lunch (I bake for everyone else, Rose has allergies) and chicken broth. I spent a total of $30.98 there, but had two full bags of veggies.

Then I went to a covered farm stand. Or open air produce market? It's state products only and tends to be cheaper than the grocery store. It's only been open for a week or so, it closes down right after Christmas. So I picked up the rest of the veggies I wouldn't pay for at the organic foods store. Spent $14.12 there, but $1.29 of that was for a pineapple sage start for my garden. It smells wonderful. Then I stopped at the fish shop (pescaderio? I think, it's Spanish) and got some salmon, so spent $8.02 there. I won't go shopping again for at least a week.

I made out 2 weeks of menu plans to use the veggies I got and the fruit I had on hand and the meat I have in the freezer. So all should turn out pretty well this week. Grocery budget is on track. Budget is $70 and that puts me around $56, so there is wiggle room if we run out of milk.

I guess that's about it for today.

Last night I had to turn on the furnace. I was not a happy camper. The weather has been in the 50's for a couple weeks now and I had shut it off at the end of March. We don't use it much anyway unless we're sick, we usually use the wood stove, with the thermostat programmed to kick the furnace in if the house temp drops below 60, which it only did twice this winter, once when it got to 9 degrees outside and once at 17. Gotta protect the water pipes.

But with the sleet storm last night it just got too cold in the house. I didn't have any kindling or small wood in the house to start a fire with and I was not going to traipse all the way out to the woodshed at midnight in a sleet storm. Needless to say I've rectified that today.

I am really glad I took the time to zip up my greenhouse door though. It's just a little greenhouse, 3 feet tall by two feet wide and one foot deep. But it has my snow peas and spinach, chard, and lettuce starts in it. I had been hardening them off in preperation to transplant in a couple of weeks, but the weather had been so mild I'd left the flap raised a few nights running. Checked on them today and they are doing just fine, despite the bizarre weather.

It rained all morning, then around five it started snowing. Twelve miles away at the soccer practice fields it was only sprinkling and then after ten minutes the sun came out. Still cold, but at least the girls weren't getting drenched.

On the drive home the tops of Black Mountain and Sumas Mountain (which are really only foothills to Mt. Baker)were just blanketed with snow, but the valley was completely clear. Weird. it's gorgeous now, well, it was, the sun just set.

Things I did to be frugal today:
Hung a load of laundry on my drying rack, which I positioned over the hottest furnace vent last night.
Brought a load of kindling and small wood up onto the porch.
Folded newspaper into kindling sticks until I had a grocery sack full.
Resisted my son's attempts to convince me to run over to the IGA and get him a corndog during Rose's soccer practice. I made him one when we got home instead.
Didn't have to drive all the way to town because it is spring break and there were no dance classes this week.
Signed up for 2 more samples.
Started a fire, but left furnace able to kick in if the temps drop too low.
Baked a loaf of bread when I was baking chicken (in a covered casserole so the smell doesn't get into the bread) instead of using the oven two separate times.

Pretty good, so far.

Well, I did it. I made my first on purpose deposit of a predetermined weekly amount into my savings account. Ten dollars. For a grand total of $115. I think there is some odd amount of cents in there as well, but its little and I left the deposit receipt in the car. Since it is pouring sleet it will just have to remain there until it stops, hopefully sometime tomorrow. The money in this account is at a different credit union from where I do my actual banking from. That makes it harder for me to get at it. I have to really think about what I'm doing to go take it out.

I signed up for two more freebies and tried the two toothpaste ones again today but they still don't like me, so no go on those. Oh, well.

We had to go to town today as DH had to fly to work, so I drove him to the airport. I won't see him again for a couple of weeks, but on the plus side all his meals are free and he won't be eating up our grocery budget until he gets back. Oh, I don't think I've mentioned, he works 2 weeks on, 2 weeks off up in Kuparuk, Alaska, so he comes and goes all the time.

Since we were in town I also paid the credit card bill and stopped at the grocery store. All I needed was a gallon of organic milk (Rose needs hormone free milk, the rest of us just like it better), six pounds of apples, 4 oranges, parmesan cheese (hard block instead of preshredded, Rose can't handle the silicon dioxide in the canned or preshredded, the rest of us just like it better) and a picnic ham for Sunday. And that is all I bought, too. That took some doing, being confronted with the Easter stuff. But I already have Easter stuff, so I just had to firmly remind myself of that.

16 of the 22 small apples will go for soccer snack on Saturday for Rose's team, along with granola bars from the pantry and juice pouches, also from the pantry.

DH and I have decided to save up for a new freezer, but this is going to be a different account in a 3rd credit union that is also in a place I would really have to think about going to to take the money out. That account has $21 in it. We have decided to use our coin jar money and our aluminum can recycling money to save up for the new freezer. The one we have used to belong to my parents and I remember having it as far back as age 4, so I'm sure its no energy saver. We have room to get one that is a foot taller and the one I want is $534 + 8.3% sales tax + $35 delivery fee. So our goal is to save $620 for it.

We also stopped by the library on the way home and picked up some books and movies we had on hold. Tobias has his favorite Thomas the Tank Engine out again, I swear he will wear a hole in that dvd (besides the one in the middle already), he gets it so often. But MIL has it on her to buy for Christmas list, so if he does wear out their copy, he'll eventually have one of his own. I got a cookbook and a cooking magazine, looking for some good, cheap, new to us meals.

I think that covers it all. Didn't call the two auto ship memberships I need to call. I'll try to do that tomorrow.

So I adore Netflix, about the greatest creation for those of us who live in the boonies. At various times I have been on different levels, but have for some time been on what I thought was the lowest level of 3 out at a time, unlimited. Well, it had been so long since I had checked the options that I decided to go and look and see if anything had changed. I was very happy to see quite a few new levels. We've been with Netflix from the beginning and it should have occurred to me to check sooner, but oh, well. Anyway, I reduced it to one movie out at a time, unlimited, so am now at $9.99 a month there instead of $17.99. So that auto charge will drop by 8 bucks. I am not quite ready to give it up altogether.

I spent a good amount of time going over the Freebies lists this morning and signed up for 12 samples. It would have been more but some of them just wouldn't load. I started a notebook that lists the sample sent for, the date I sent for it, and how long it should take to show up, so I can try to track them down if they don't get sent. I fully expect at least half of them to not show up, though.

I thought I'd better be organized about it after reading (from start to finish) someone's blog that had major couponing, rebating, and sample acquiring. Mine is on paper after reading her computer went wonky and she lost quite a bit of info. I will never be that deep into it, though. It's hard to be that organized with the kids around.

I have read about 5 blogs now (archives, too) and am amazed at all the different approaches to this savings thing. All sorts of interesting terminology that I had to look up, like ING accounts and such.

DH and I are discussing other cuts we can make. The big sticker is cable. I'd like to drop down to the most basic program they have. He doesn't want to because he doesn't want to lose SciFi channel. I think that since the two shows he wants to watch (the new Dr. Who and the new Battlestar Galactica) come out on DVD soon or are out on DVD already, we can get them from Netflix. He doesn't want to wait the extra couple months for the DVD's.

For now I will let it go, but I'll take it back up next month and see if sitting with the idea for awhile has made a difference. Could be I'll even manage to get him to suggest it and think it is his idea which I can then agree with. It's been known to happen. My parents have a dish, so maybe we can record those two shows and then he wouldn't have to wait at all. Hmm. Maybe. Mom's a bit uptight about subject matter. We are in there every Friday anyway for Rose's dance class so I could tape it and retrieve it on the same day, even. That might make a good compromise.

Today I cancelled our membership to Columbia House dvd club. We had long ago met our membership requirements and truth be told, I didn't really use it because any dvds we wanted usually went on a really good sale the issue week, much less than the club's price with shipping. The last time I bought a dvd set from the store I had a newspaper coupon for it for 10% off and a store rewards coupon for $4 off any electronics purchase, which they said was good for dvds. All told, it would have cost about $15 more from Columbia House.

I didn't think they were ever going to let me cancel. Why did I want to quit? Half the time I would forget to send the slip in to not get the movie and end up with movies I didn't want. And they were too expensive. Even with their deals? Yes. Every time I said I want to cancel my membership, they came back with some other offer. No, I don't want to switch to just buying when I want to and not worrying about the member's selection card, I just want to cancel. No I don't want to spend the $15 in fun cash I had accrued, I just want to cancel. No, I am not interested in joining your sister club BMG to be sent CD's in the mail, I just want to cancel. I think I said that about 15 times.

The guy was good, but not good enough. I stayed polite but firm and got away with what I wanted and was sent an email with a confirmation number saying it was cancelled. We shall see what shows up in my mailbox. Oh, yes, and I also told the guy to have a nice day before he could say it to me. It felt just a tiny bit wicked. But I meant it, too. He was perfectly well behaved, just pushy.

After I finally got off the phone with them I called Proactiv to cancel that. I use the product, but only a couple times a week now and I have a huge backlog in my cupboard, probably a three year supply. When it runs out, well we'll see. Since I quit eating high fructose corn syrup my skin has been clear.

They were much more accepting of me cancelling there, probably because I loved the product and simply explained the situation and the lady agreed with me that getting them every two months was silly, but in the future if I came back they could send it every six months instead, which is nice to know. I came away feeling a lot happier with them than Columbia House.

So anyway, that takes off a charge of $40 every 2 months from the credit card, and random CH charges as well. I've got a couple more places to call to cancel more auto ship items, but I really did not want to deal with it today, the other two kind of wore me out. I'll try to get to those tomorrow.

But I feel good about what I did do. I might not be saving money with these steps, but I don't feel like I'm wasting it anymore, either.

DH and I made a decision last night. We are going to try, no we are going to start, saving $10 a week. We have a small savings account of $105. So the goal is to deposit $10 a week into this account for the rest of the year. Is that too ambitious? Maybe I should just set it for the end of the month? No, that seems like giving us an outlet to stop saving, which is kind of what got us here to begin with. Well, that and a bad health insurance.

It's just $10, that isn't so much. We spend about that on pop each week and we have both been drinking more than we think it is healthy to be drinking. Although, there really is no health benefit to soda pop, now is there? The kids really don't care for it all that much, well, Rose can't drink anything with caramel coloring or caffeine in it anyway, and Tobias would just as soon drink milk or water, usually water.

It seems a manageable enough goal. So for the rest of the year, it is our goal. And writing it down makes it real, putting it out there makes it harder to go back on. Accountability, as some of you have mentioned, should make this easier. Although, sometimes it seems nothing about money ever really is.

My day for depositing will not be set as it will depend on which days I drive to town. I don't want to make an extra trip as it takes about 2.8 gallons of gas to get to town and back. We go to town at least 3 days a week for lessons and soccer games so as long as it gets done before the next banking week, I'll call it good.

$10 doesn't seem like much, but at this point its the habit I'm trying to establish. If I don't start at ten, then where? So $10 it is. And that's $520 a year, still small, but something.

Thanks again, for all the support you have thrown my way since starting this blog. I can't begin to say how much I appreciate it.

Robin

Blogging is new to me, but journaling sure isn't, so bear with me as I figure out the odds and ends of the system. I found this site about a week ago and completely fell in love with it. I have been in denial of our debt situation for a long time but for the past two weeks I have been searching around for good websites to help us get a handle on things and this one has been simply wonderful.

So, massive debt. We sure have it. It is hard to believe that only seven years ago we were debt free, bought a house paying in cash. We owned both of our cars (still do) outright. But that was before my last pregnancy that turned high risk at week 32 and required more hospitalization than the insurance company wanted to pay for and incurring a $30,000 unsecured debt.

Still, we managed to get along pretty well, but starting in 2002, I have had 3 major surgeries in 3 consecutive years, all with benign (hence the lucky), but too large to leave alone tumors that might endanger other organs and after losing both the appendix and gall bladder, I was glad to get rid of the last one without losing something else. This last year has been tumor free and we hope it stays that way.

Needless to say, our insurance wasn't too forthcoming and we ended up with a massive debt of $150,000 for hospital bills. My parents let us put a 30 year mortgage on their big house, so we pay $935 plus $65 extra each month on that. Fortunately they will leave us the house in their will so they do not mind doing this for us. I'm sure we would have declared bankruptcy without them and I did not want to have to do that.

Beyond that we still have $37,800 left on our own 15 year mortgage we took out to cover expenses while I was sick, so we pay $375 a month on that, plus $25 extra. We had gotten our unsecured debt down to $25,000, but it is at $31,000 now, due to orthodontist work to correct our daughter's messed up bite, and being overextended beyond our budget and DH's pay.

So good news, our insurance changed at the beginning of January and now covers orthodontist and vision and more dental than it did before, but it also is taking out more than double what it took out of DH's paycheck before. Fortunately he got a raise at the same time which leaves us with $50 extra a month than he was bringing home before (again lucky).

We have finally as of the start of this year, stopped using credit completely. I have been slowly cutting stuff out. My son has lost interest in tae kwon do so we took him out of that, freeing up $65 a month. My daughter still has a year on her contract and is still motivated to go so for now she stays in. Both kids have been taking dance lessons, which are paid up through June. It breaks for the summer and then they will not be taking them next year, which together frees up $85 a month. Between those they just about cover our gas for the month which is running $2.79 a gallon here.

After a propane bill in January of $272 we turned off the furnance and switched to using our woodstove full time. We had free wood from family from fallen trees on their properties that had been sitting in our carport for 3 years and was nice and dry. The stove gets hot enough that I can warm up a pot of soup or chili or other meals in a can, can warm up canned veggies or boil eggs or water for tea, so we do that some to save on using the oven (which is electric, not propane). Once our pantry stock runs out I will be making chili and soup instead of opening cans.

When I do cook, I make everything from scratch now. We have maybe a six month stock of canned goods in the pantry, but when its gone, its gone. I bake a loaf of bread pretty much daily, but I had already been doing that because my DH is allergic to high fructose corn syrup and that is in almost all bread these days.

So, we are definitely trying now. Ready to face this debt situation head on. It is scary to not be hiding my head in the sand, and I think DH still wants to a bit, but he has agreed with me that we have to take some measures now and more as we find places to cut.

I am hoping to save on the grocery budget as we have a lot of meat in the freezer so really all we need are fresh vegetables, fruit, milk, and eggs on a weekly basis. I am hoping that we have eliminated the propane bill. Our electric is coming down with the longer days, though we don't see it as we are on budget pay year round.

There are other steps I plan to take in the next few weeks, but just getting to this point has been kind of freeing. Or at least as freeing as it can be with a slightly over $200,000 total debt load. It's just a little, but baby steps still take you forward and I'd rather be going forward than backwards.

Wow, I wrote a novel. Well, they won't be this long in future.

Robin