Lucky Robin's Personal Finance Blog

I'm getting a little annoyed at DH's work.  Usually they make the contribution to his retirement fund the day his paycheck comes out or no later than the following Monday, unless their is a bank holiday on the Friday or Monday and then it might be as late as that Wednesday.  But for the last little while it has been a week late.  Which means we missed out on some great days on his fund where he could have earned a lot.

Payroll has been all over the place for the last six months and it is irritating when you have OCD and expect everyone else to maintain their schedules the way they are supposed to and they don't.  Well, he got paid last on the 27th and he gets paid again in 4 days and they still haven't made the retirement contribution yet.  That's ten days.  If it hasn't been made by Wednesday I'm going to have DH ask what is up.  Regardless, retirement has gone up a lot, which is why I am annoyed at the lateness.

$122,455.95 Previous Balance

-___3,061.56 Amount Earned

$125,516.95 New Balance

Of the $3061.56 earned all but $307 of it was in the 401K.  But the IRA is still significantly what it was under before 2021 and the great freefall of most of 2022.  I'm so glad things started to turn around towards the end of the year and this year, although most of his earnings are from contributions, there still has been a 6% amount of interest made.  Nothing like the 17% we earned 2017 through 2019 and 14% in 2020, but so much better than the last couple of years.  I am hoping that 2024 will bring us back up to 8%, but I have no illusions due to war and out of control goverment spending.  Maybe if we invested in all the war companies, but then I would feel ethically icky.

I am thinking about putting most of my Emergency Fund back in Capitol One 360.  The bank failures seem to have stopped for now and I could be earning a lot more interest right now.  I feel very safe with it in the credit union though.  But maybe that is a delusion.

I did try to post on Halloween.  But every time I did, my computer kept rebooting.  The internet was being obnoxious.  Even though I saved the copy in my drafts folder, I couldn't find it.  And while I had it in Word, I hadn't saved it yet, so lost it one of the reboots.  Obnoxious.

What it boils down to is when we knew a hard frost was coming, we went out and picked the last of the produce that we could and brought it into the house.  I processed 60 pounds of zucchini, which is a real pain in the neck but will be nice later.  There were 6 and were about 10 pounds each, they were so big, so we cut them as we went so we could go at the pace we wanted and not have to do it all at once.

I found an ice cream scoop to be quite effective at taking out the seeds.  I saved the best of the seeds to plant next year.  I don't know if they will breed true or not, because I think this is a hybrid, but one never knows.  I have about 40 seeds, far more than I need, but seeds are getting expensive.

So after that you have to shred the zucchini, which was the easiest part since we used a food proceesor.  After that we put the zucchini in colanders over pots to let them drip all day.  I very lightly salted them as salt brings out the juice in a vegetable and you don;t want that in the finished product or you will be cooking it off for a long time.  After they had dripped all day we took tea towels and squeezed all of the juice that was left out into a container and then put the zucchini in a pot.  We did that for all four and filled the pot.  It was amazing how 6 giant giant zuccini  became 4 huge bowls of shredded zucchini which had then shrunk down to one pot, by taking the juice out.  It was a big pot, though.

At the end of the day, here is what we got:

20 pounds of shredded zucchini, divided into 20 1 pound bags

8 pounds of seeds and stringy bits and some harder pieces of skin that didn't want to shred

2 1/2 gallons of zucchini juice

The juice was kind of good, but needed some sugar to make it really good.  We drank some of it and pressure canned most of it in half pint jars, without sugar.  I always can my half-pints with reusable lids because that would be a lot of one time use lids to go through.  I'm not really sure what we will do with it.  Maybe just add sugar and drink it.  Maybe add some to vegetable broth if it isn't too sweet.  Maybe use it as the liquid in the corn stach slurry when making Chinese food.  I'll figure it out.

Also, last week we canned 12 jars of tomato sauce.  Most of them were quart jars, 3 of them were 3 cup jars.  We jut ran out of quart jars.  I am shocked becaue I have never had that happen before.  So I will have to send DH to pick some up today so we can can some more.  I did save some Roma tomato seeds, but I also have a lot seeds for next year, so I don't know if I will plant these or just keep them for the future.  The produce a nice tomato, but I have no idea if they are determinate or indeterminate.

Meanwhile, I need to get busy going through the bag of peppers I saved from the garden.  We have shishitos, jalapeños, cayennes, poblanos, and 5 sweet peppers.  My sweet peppers did not do well this year.  The deer really liked them and kept topping the plants.  Next year all the peppers will be grown behind a fence or under netting.  They left the hot peppers alone.  I am going to cut open and deseed everything, one pepper at a time, with gloves on, and then I will chop them up seperately and dehydrate the shishitos and cayennes.  We will eat as many jalapeños and poblanos as we can and the sweet peppers.  The cayennes and shoshitos will be dehydrated and made into powder.  The rest will be frozen to put into chili.

I am, of course, saving seeds from the best of the hot peppers, some while green and some while red.  I am not saving seed from any of the sweet peppers as they were pretty much stunted.  I still have seeds for all of those so I will plant them next year with protection and hopefully it will make a difference.

I did save bean seeds to from the purple green beans I planted this year.  They were prolific and they grew so well.  I didn't save enough to plant as much as I needed to plant for next year, but I have a ton of them still.  I intend to plant every seed I did save, though.  Those beans went through our growing conditions here and will be hardier than the ones I bought from another state.  And then ther offspring will be even more aclimatized.  Each generation will be stronger and stronger based on living in my exact microclimate and eventually I won't be planting seeds from anyone else at all.  Honestly, I'd like to do that with everything I grow, but I am not there yet.  But I digress.

After that I will go the restaurant supply store depending on what their produce sales are.  I'd like to get more tomatoes under my belt but that depends on the price.  And potatoes.  We go through so many potaotes in a year and while we use fresh for baked potatoes and mashed potatoes, I like using canned for fried potatoes, stews, and soups.  It just lowers the amount of time it takes to put these things together.  Oh, and I'd like to get onions, so I can chop and freeze them.  I almost forgot I bought 10 pounds I need to do up.  I didn't want to buy 25 or 50 because I was afraid I wouldn't get them done.  I know myself so well.

With bell peppers being a bust, I can't chop up a bunch and freeze them.  The cost in the stores didn't really go down too much.  Even TJ's frozen bags are expensive, including the non fire roasted ones.  I will have to take a special trip to Winco to buy them.  They are the only store that consitently keeps their bell pepper prices under $1.  Right now the are $2/7 and $2/8 and those are their sale prices at Safeway and Fred Meyer, now owned by Kroger.  I knew Kroger coming in and buying all the grocery stores was going to be bad, I just didn't know how bad.  When they are consistenly higher than Whole Foods by about 20% it is just wrong.  At least we still have Winco.  And I won't go to Walmart because it is too dangerous to go there anymore.  I don't want to get hit by flying bullets.

So anyway, trying to get ahead with my garden stuff and cheaper prices now, because heaven knows what they will be next year.

I am thinking about saving up to buy land.  I mean, once the EF is saved up for. So in the future.  It's kind of a dream.  Not necessarily land to live on.  But maybe some land in the county with one cleared acre, where we can put in a cistern and a greenhouse with guttering that harvests water through a series of filters and into the cistern.  Then we can grow a big garden and always have the water to water it without tapping into city water.  Getting a permit for a well is very hard right now, and expensive, but there are no permits needed for a cistern or gathing rain water. I'd also like to build a roof over it, with guttering to collect more water and make one end an RV shed.  If the cistern is out of sight, it is out of mind for any drone flyovers, just in case there are any bad actors out there.

I'd like one of those giant greenhouses that look like hoop houses, maybe even two.  We could grow so much more food there. and it would be protected from the elements and extend the growing season.  We could put up shade cloth easily when it got too hot and run fans and in the fall we could keep it warmer by battening down all the windows and moving to just planting down the center.  There are also even propane heaters if we wanted to try to grow into the cold part of the winter, but I doubt we would do that, since the roads are pretty impassable in the area I'm thinking for at least one month of the year.  But growing 9 to 10 months of the year would be great.  And we could put gutters on that for rain water catchement as well.

And I'd like to have a big pond and looping creek waterfall, with both a pump built and a solar fountain.  The pond we could stock with trout and have an automatic feeder.  And it would have the natural bog section for filtering out all the fish poop, that you don't go into, and we'd add water flowers as well as flowers and plants along the banks and rocks.  Not quite a tropical paradise since we arent in the tropics, but there are some amazing grasses and other style plants that grow here that look very tropical and they even overwinter.  And then there are some tubers like caladium and elephant ear hostas that you have to dig up and overwinter inside, but they are so worth the effort.  Lilies you can leave right in the ground and there are some that look very exotic.

Eventually we'd put in a septic tank when we could afford to so we could have a hookup for a small shed with a toilet and sink in it, maybe even a shower if we went swimming in the pond.  We would use solar to heat the water.  Meanwhile, we'd build an outhouse in the woods and keep a bucket of lime and some hay or straw to throw down the hole for proper composting.  And it is not hard to set up a solar shower/washing station to wash your hands with.

And the very first thing we would do when we got that land, before we did anything else would be to plant fruit trees, fruit bushes, and their pollinators.  Fruit trees take the longest to produce food.  5 to 6 years to produce fruit, so you have to get them in the ground the minute you move somewhere.  And I'll want a couple of Willow trees if there is a body of water to sustain them and I will want flowering pink cherry trees and flowering dogwoods planted along the driveway into the property so that when they are big enough they will form an arch over the driveway.

And maybe one day build a fully accessible house to my exact specifications, big enough to fit a wheelchair.

Will this ever happen, I don't know.  Land is getting more and more expensive, which is why I'd like to buy some here sooner, rather than later.  Otherwise, I'd have to move away from the coast to get a really good deal and I love living here even if the politics are not something I agree with.  I can't move to a place that there is not proper access to a high level medical facility or a really good ER in a regular hospital.  If I don't have both of those I risk my daughter's life and probably mine, too.  The cheapest places to live don't tend to have Viginia Mason, Swedish, John Hopkins, and the like.

So maybe this will always just remain a pipe dream.  Like so many of my dreams that came screeching to a halt the day my daughter slipped on those rocks and fractured her skull and changed her and our lives forever.  But maybe we will find the right place already built.  Because fixing up this place once we fully own it outright is not something I really want to do.  I really just want to start over with a house that isn't over a century old with a basement that doesn't flood in bad rainstorms, because I can't climb down the stairs to turn on the pump anymore.  And I'd like a house with modern wiring that is up to code.  I just want that option.

I know I made at least one report between the side bar and now, but I can't remember what it was, can't find it in the blog post, and forgot to update, so I will make sure I update it this time.  I am going off of the side bar for this, though.

Our 401K now sits at $110,046.18.

Our IRA has been all over the place, but currently rests at $12,409.31

Our total retirement now sits at $122.455.39 up $9111.88 from the sidebar total of $113,343.51.  Excluding company stock of course, which is added into the total net worth.

I also went through the savings accounts.  I know I am lazy about recording interes these days.  I know I save $70 each month for garbage, but the amount paid is $67.28, so I just leave the extra in savings, and I know I oversaved on the car insurance I just paid, because it was lower.  So I swept that all into the Emergency Fund and it is now at $10,572.11 up from $10,441.01, a difference of $131.10.

This increases net worth by $9,242.98 from $207,517.35 to $216760.33.  And the house was just assessed by the city auditor as being worth a bit over $800,000.  That will automatically make us millionaires when my mother dies.  But I'd rather have my mom than the house.  Next year the valuation of the van will go down, but we should again get more company stock then the decrease in value should be.  It is still valuable to us due to the low mileage.

So over all we are moving ahead.  Not as fast as I wish we were, because our IRA keeps tanking, but we are getting there.  The 401K isn't doing all that great either.  It just looks like it is because DH has been working so much overtime since April that his contributions and the company match going in have made it really grow.  But not much else has happened.  Sure we've bought stock, but whether or not they've done anything is hard to tell, becaue it sure seems like the amount we put in and work has put in, is the amount we have.  I know one day it'll start making a profit again, but very unlikely for the next 15 to 18 months.  Hopefully, not longer.  It depends on how bad the recession gets, although I would argue it is a depression and not a recession, looking around at many of the people here.  They just keep redefining the words, so as not to look bad for the history books.

As Oliver Anthony would say, "And they think you don't know, but I know that you do."

And as Forrest Gump would say, "And that's all I got to say about that." 

Friday was payday and I am slow to get this up, but I really do want to get back into the habit of this, but I certainly am not fast off the mark in posting it.  At least I record it fairly quickly into my spread sheet.  DH worked a lot of overtime on this paycheck as well.  $1734.03 was overtime.  I think this will be the last one with OT on it, or if there is any on the next one it will only be a couple of hours.  I will miss the bigger checks, but it sure was nice to see DH walking in the door at six last night and that would have been five if he hadn't gone to the pharmacy first.

So here is how the budget shook down this pay period:

$539.82 Tithe

_500.00 Utlilities

_500.00 Grocery Envelope

_500.00 Medical Fund

__75.00 Household Envelope

_500.00 Bathroom Fund

_167.00 Car Insurance Fund

__70.00 Garbage Envelope

__50.00 DH Spending Money

__50.00 My Spending Money

__60.00 DS Allowance to Grandma 2 phone loan

__30.00 DD Stipend

_100.00 Our last contribution towards DS's Phone

_200.00 Christmas Envelope

2056.43 Citi

-----------------

5398.25 Total Money Out 

The bathroom fund is now up to $6100.  I am hoping to hit $10,000 by the end of the year, and so far we are on track to do that as long as we can keep our spending down on the Citi card.  If all goes to plan, I should have $855 to put into it next week.

Christmas is now fully funded at $900.  It was $1300, but DH and I put our portions into the Snowblower Fund so we can get it before Christmas in case it snows before Christmas.  We are also getting our Christmas money from his mother early so we can add it in, too, if she will agree to it.  Otherwise we will get one that takes smaller paths at a time and requires more walking.  It's just harder on DH.  His leg still isn't fully healed.

The medical fund is starting to build, but DH still needs new glasses and DD still needs new lenses and they both need exams, so that will probably wipe out more than $500 of any progress made, but after that we should be able to make progress.  I would like to get $3000 saved in the medical account by the end of the year, but it is looking like it will be closer to $2000.  But we will still have the FSA debit card we can use next year of $3000 if DH doesn't flub it again this year.  I am staying on him about it.  The enrollment period is coming soon and he is not going to miss it this year.

Since DD's surgery is the first week of January, I want to make sure we have the pretax money on the card for 2023.  It makes life so much easier when there is an expensive thing right at the beginning of the year.  And then we want to have more money in the medical fund for things that are beyond that.

Hopefully DH's mother will be giving us money at the end of the year or close to the beginning like she has the last few years.  I would rest easier with another $2000 in the medical fund and another $2000 or more in the bathroom fund.  I am just estimating $10K for that.  It could be more and I don't want to use what little money I have in the Emergency Fund.  I can, but I'd prefer that $10K plus stays put, even if I know that as soon as the bathroom is taken care of we can start slamming that emergency fund hard.  It's just, what if something happens in between?  So, yeah.  Don't want to do that.

We are done contributing the amount we said we would contribute towards DS's phone which was $500, the same amount we contributed towards DD's phone.  If they wanted anything fancier than those more basic phones, than they were going to have to pay for them themselves.  DD used birthday money and saved up allowances to pay the difference.  DS convinced his grandmother 2 (DH's mother) to loan him the money to buy the phone instead of saving up for it.  I did not want that to happen.  He was supposed to save up for it before getting it, but then the battery on his phone stopped charging and he had to use it plugged in all the time, so he cajoled his dad into it when we didn't even have the promised $500 saved on our part, giving us a debt to his mother, too.  I was pretty peeved.

So he has been on a repayment plan.  Every single allowance he has received has to go towards that loan.  He doesn't get to have any fun with money until it is paid off.  His birthday isn't until March, so he doesn't have to use his birthday money, it will be paid off in January.  I won't force him to use his Christmas money, but if he wants to, he can.  I have made the exception that if he wants to use one allowance to buy his sister a Christmas gift he can, because he was upset about that.  Once he has finished saving up all the money, he then gets to present it all to his grandmother.  Then I hope he will have learned his lesson about loans, because he really has hated the whole process.  And this has been without interest.  I think I will sit him down at the end and give him the amortization table on a loan at the going interest rate and tell him how much extra he would have paid if he had gotten a loan through the bank to pay for a nearly $1400 Apple smart phone.  Open his eyes all the way.

I had quite a bit of money left in my grocery envelope and since today is the day I refill it, I took out what was in there and redistributed it amongst all my other envelopes.  These are all for non-essentials or slow-burner essentials.  As in, fishing expenses is not a heavily essential envelope right now, but will be in the spring, since it is something we use to feed the family with.  It doesn't get a line item on the budget, but bits and bobs can go in there until I have enough to pay for licenses and gas costs and some fresh water gear hopefully from Good Will.  Here is what I added to and the new balance in each envelope.

$12.00 Van Paint Job and Body Work $70.00

$8.00 Fishing Expenses $8.00

$10.00 Summer Things $10.00

$100.00 Bed Frame/Mattress $625.00

$5.00 Hawaii Trip $75.00

$30.00 Electric Vehicle $100.00

$10.00 Beach Vacation $10.00

$100.00 Phone $400.00

Essential

$28.00 Household $29 (Gets more when I go to the credit union) 

Normally, I wouldn't add any extra to the household envelope since I replenish it every payday, but we need to buy a couple cases of toilet paper, a case of tissues, and cases of both gallon size freezer bags, which would not quite be enough for the $75 I normally put in I don't think.  As it is I might have to hold off on whichever size baggies we have the most of.  Inflation is a bear.

After we are done saving up for the bathroom repair, I will be more serious about a couple of these funds.  I have $100 more to put in the phone fund, which comes out of the paycheck today, so that will be done and that is the end for my portion of DS's phone.  He's paying for the rest.  Now I can start saving for my own either phone or computer.  Whichever dies first.  I want better ones this time around so hopefully they will last a while.  But mostly I will slam the emergency fund, bed frame/mattress envelope, and the beach vacation.  We want to rent a house on the shore or on a lake for a week next year.  May not happen, but it is the goal.  Unless the bathroom ends up costing way more than we figured.

I made it to Fred Meyer and they ended up having some sales that were not on their advertising so I got more than I had planned on.  I also took advantage of being there to get some other things that came out of the household and the clothing envelopes.  But this is for groceries and I spent $92.48 on that.  This is what I got:

1 Mega Boxes Cheerios

1 quart of McClures Garlic Dill Pickles

4 quarts of low sodium Miracle Whip

1 Simply Orange orange juice

1 Naked Bread honey wheat

1 Naked Bread potato

1 bulb of garlic

6 organic roma tomatoes

2 pounds of orangic carrots

2 Sugar Bee apples

2 Sweet Tango apples

2 organic English cucumbers

1 lime

1 bag of peeled pistachios

1 jalapeño

2 acorn squash

1 kombocha squash

2 pounds red grapes

  I still plan to make it over to Winco to look for the cheap spaghetti, some cheese, and the Ambrosia apples.  Might be a few other things, too.  I need to check my pantry.  I buy my bulk items there and I know we are getting low on oatmeal and jasmine rice and I need onion powder.

The busy week of medical appointment ridiculousnous is almost over.  One more appointment in 2 hours and then nothing more until the 11th.  At least nothing more for me.  DH can toddle himself off to his physical alone.

So I just took an inventory of what is left in my refrigerator and it is looking pretty good on not having too much food waste.  We had no leftovers to toss out since last payday.  It wasn't perfect.  I did have to throw out some old apples from who knows when, because I don't remember buying them, that I must have missed the first time I went through the fruit drawer, thinking they were good, a lime that had turned brown, and I found a soupy cucumber, but that was in a drawer my son went through the first time, too, so I think it just got missed.  So those got tossed out.

Here's what I do have left for produce in the fridge: 1 large parsnip, 1 large turnip, 2 medium carrots, half a bunch of celery, 2 bunches of green onions, 1 bunch of red radishes, 8 little plums off our tree, some of our peppers, a thumb of fresh ginger, 1 Pink Lady apple, 2 Jazz apples, 1 Cosmic Crisp apple, half a bag of cuties orangies, 1 pineapple, 1 head of romaine, 1 Caesar salad kit, a Napa cabbage, and a red cabbage.  Outside of the fridge I have bananas, about 10 pounds of potatoes, 3 sweet potatoes, 3 sweet onions, and 4 yellow onions.

The celery, green onions, carrots have seen better days.  I need to take the greens off the radishes or they will be soupy and I hate digging radishes out of soupy greens.  I should have done them when I bought them and stored the separately so I could put the greens on the salad fixings.  Now they are past that point.  Oh, well.  I still have nasturtium flowers and can get that same peppery taste from them.

So far, I think I will be making stew to use up the carrots, celery, parsnip, turnip, and add some potatoes, and sweet potatoes, to fill it out.  I'll probably to it with chicken, since I think beef tastes funny with parsnips.  That'll use up everything that is on the edge except the green onions.  So for that I'll make loaded baked potato soup, since I have plenty of potatoes.  There are a bunch of little ones that are too small to peel for canning, so we will be using those ones, quartered, in the stew and then I have some medium sized ones for the soup, because we like them peeled for that.

I will need to buy some more carrots for sure, sour cream, and whole milk for the soup.  I have bacon from our pasture raised hog in the freezer.  So that will take care of two dinners and use up a lot.  I will cut up the romaine, and use that up with the salad kit for greens.  There is enough dressing to dress that much lettuce in the salad kit.

The pineapple needs to be cut up and eaten up.  The other fruit can hang out longer, but not it.  I do hope to finally make it out to the orchard this weekend and hope they still have my favorite apple in their storage shed.  It's 3 weeks past when they were picking, so there is a good chance they do.

I should shred up half the purple cabbage and I can make coleslaw with it as well as use it as salad fixings.  As for the Napa cabbage, I think I'll make some cabbage rolls, but not the traditional kind.  I like to make them with dumpling filling and steam them in a bamboo steamer, then lightly fry them in a pan until lightly brown and crispy.  I don't like the ones covered in tomato sauce.  It's more work, but a better end result.  Also, it is much lower in carbs than dumplings.

That gives me Friday, Saturday, and Sunday's meals and finishes out the week for me.  Tonight we are having fresh pasta.  We are having leftovers tonight.  I have 2 large servings of fresh bucatini pasta to make up with half a jar of alfredo sauce and an almost full jar of marinara sauce, so that works out.  We have lots of meatballs, so 1 of us will have a meatball sandwich.  Actually, I might just have the meatballs with green beans and make up some fried potatoes.  That sounds better to me.  I don't have to worry about DH until Friday.

Alright, this gives me a starting place to figure out my list.  I am out of a few things that are on sale this week like DH's Miracle Whip and Multi-grain Cheerios, plus spaghetti.  Although, I am almost at the point of getting the attachment for my KitchenAid and making my own spaghetti it is getting so expensive.  The only one that ever seems to go on sale is Barilla and I don't like the taste of Barilla.

American Beauty used to be the cheap one and I like it.  I am going to have to go to Winco this week to find it.  Hopefully, they will finally have the turkey chorizo, too.  I might even go to Walmart.  I hate going to Walmart.  It's not a super Walmart so it only has some grocery items, but it does have a lot of dried goods.  I do need Puffs multi-packs tissues soon, plus I'm getting low on the low sodium sausage links, so I can grab one of their Great Value packs and see if we like it.  I'm not that picky about pasta, I just don't like the taste of Barilla.  Every other brand I've tried I've been fine with.

But Winco should have cheap pasta and it usually beats everyone else on almost everything else.  Just not beef.  I can walk out of there with prices half what they are elsewhere for produce.  And it is the only place I can ever find Ambrosia apples, a blink and you'll miss them variety of apple.

Well, I can make up my list this evening and DS and I can go shopping tomorrow, other getting Miracle Whip, Cheerios, and socks at Fred Meyer, since it is over by his psychiatrist's office.

I must say, I am enjoying the heck out of my new Halloween themed blog design and avatar.  I know we can't do a ton of customizing, but I felt like getting into the holiday spirit a little bit this year.  Not enough to decorate the house or anything, never a good idea when you won't be there for trick or treaters, but enough to do this.

Anyway, today I had my wellness visit so that is now out of the way.  I have to go get my blood work done tomorrow along with the blood work done for the Prediabetes/Diabetes and Cardiology Weight Loss Center.  I was waiting to do them together in case anything overlapped.  I only have the one good vein to draw blood from and I didn't want it blown out with the first draw and then not being able to get any a week or two later.  Any duplicate tests will be ignored and the results of all will be sent to both doctors as well as to the nutritionist/dietician I started working with.  So that's been ordered now and I can go tomorrow morning.

After that I went to the pharmacy to pick up the medicine I've been waiting on, but something went wrong because the dosage is only half of what I have been taking.  I didn't notice until I went home and the doctor's office is closed.  I won't call the pharmacy tonight, because they have the pharmacist on Monday nights that I can't understand over the phone.  I can understand the East Indian pharmacist and the Jamaican pharmacy tech, but they aren't on and the Chinese pharmacist is too hard on the phone.  I can get him in person, but I don't want to go out in the rain again.

When the pharmacy was done I went over the eyeglasses place and unfortunately they had discontinued carrying the brand of eyeglasses I wanted.  I had picked out the exact frames and color (purple) I wanted when my son ordered his in July, so all I would have to do is go in and get what I wanted and not have to spend a bunch of time looking for frames.  They didn't even have any in the store still.

Fortunately, the store was dead and the young woman who was looking after me was training another woman who was looking after me, so they had me sit down, got my price range and color choices and ran around the store pulling all the glasses and then brought me a big pile.  It was nice that I didn't have to hurt my back trying to find them.  I was able to eliminate half of them right off the bat just because they strayed into too dark a green, more like a forest instead of jewel tone.  And anything too solid.  I like a sort of see-through frame if it is one color.  If it is tortoise shell then it can be solid, though I still like the see through tortoise shell best.  I got it narrowed down to purple, turquoise, and teal as the primary colors.

Then I got it narrowed down to two with the tortoise shell patterning.  I fell in love with them both and it was really hard to decide.  It really came down to the fit and if they could get them a little wider on the part of my head that goes out the most.  And they could with both of them, so then I had to make a choice.  It came down to purple and orange tortoise shell kind of see through frame and sort of turquoise/teal with a darker blue tortoise shell frame.  I have more clothes that match the latter and I liked them just a teeny bit more when the choice had to be made.  They were $40 more at $218.  The ones I originally wanted were only $118.  The orange and purple were $188.  Now you know I really wanted the blue ones if I was willing to shell out $40 more for them.  But glasses are my one accessory/necessity that I wear every single day.  I won't pay over $250 though. 

I do reserve the right to save up more money and get the other ones in sunglasses, though.  I don't need all the bells and whistles in sunglasses that I need in regular ones.  But not until my husband gets new glasses and my daughter gets new lenses.  Maybe I'll look and see if Zenni has something like the orange and purple ones for sunglasses and see how much it would cost.  I do have a nasty prescription, the most exspensive one in the family.  My portion for my glasses was $400.00.  Sadly, there were no more summer sales.  I probably should have waited until Thanksgiving, but my eyes were killing me and my appointment was on Friday.  Oh, well, I guess I make up for having the worst eyes in the family by having the best teeth in the family.

As for the ongoing stuff with my daughter, she meets with the pulmonary doctor tomorrow which starts her on the road to seeing if something is going on with her lungs or possibly her heart.  Hopefully, it is just severe asthma and nothing that will interfere with her life-changing surgery in January.  We will be staying down at Virginia Mason for several days.  She has to be in the hospital for 2 to 3.  It is supposed to be done laproscopically, but things can turn on a dime, and you never know when they will have to gut you like a fish.

Both of us have to go get blood draws tomorrow.  I have two doctors who want a bunch of things and I didn't want to go separately, because it takes my one good arm vein about a month to recover after a blood draw because they always blow the vein on the way out, if they don't manage it on the way in and treat me like a pin cushion and move on to my hands and give me a bruise the size of a silver dollar if they do the right one or the back of my hand if they choose the left one.  Although, if the good vampire is working that never happens.  And this way their won't be duplicate tests made.

I need to remember to call the rheumatologist tomorrow and reschedule the appointment I had to cancel back in August.  This should be the best time since I am on antibiotics, and then will be well for a while afterwards before I come down with the next thing.

I have a telemed therapy appointment on Wednesday which I really need, because my brain is telling me it wants to go off my bipolar meds.  Which is a big no, thank you.  Watched that movie play out in my aunt's life over and over again and do not want to repeat it in mine.  And then I have a telemed on Thursday with the nutritionist/dietician and my son has an in person with the psychiatrist for his meds, and on Friday I, so far, have an empty space on the calendar, which is to be celebrated.  Keeping my life straight can sometimes be ridiculous.

I haven't done this in forever either.  I won't update my medical fund, because right now it is fluid as we are using it to purchase things for our current medical expenses, but I will be opening up a non-fluid sub-savings account Medical Fund #2 to start saving for next year's deductible when I make my deposit in October for medical.  So here is the list of the amounts of money currently in each fund or envelope.

I keep it in an envelope in the safe until it hits $1000 and then I start a sub account in the bank and turn it into a fund because I don't like to keep a lot of money in the house.  Or I will do some things at $500 if it is something I will not have a reason to spend soon.  I will still buy some garden things, like a couple of cattle panels this fall, so no reason to put garden money in the bank if it was at $500, which it is not.

$5600.00 Bathroom Repair Fund

$800.00 Winter Things/Snowblower Fund

$550.00 Car Maintenance Envelope

$58.00 Car Expenses Envelope

$780.00 DS's Computer/Phone Fund

$525.00 Bed Frame/Mattress Envelope

$361.00 Garden Envelope

$700.00 Christmas Envelope

$70.00 Hawaii Trip Envelope

$70.00 Electric Vehicle Envelope

$0.00 Gift Fund

$0.00 Fishing Expenses Envelope

$0.00 Summer Things

$0.00 Bulk Meat Fund

I haven't done this in a long time, and I'm picking a paycheck from a three paycheck month that is missing all the regular deductions except taxes and retirement and one with a lot of overtime on it, giving us a little over $2K above a normal paycheck, but we purchased a lot of items this month on the Citi card that were much needed and DH had to get round trip plane tickets to Salt Lake City.

Those will get refunded eventually and to pay for his hotel in advance.  His company card expired and he was supposed to get a new one, but he leaves tomorrow and the card didn't arrive until yesterday.  In the past they haven't been all the quick with refunds, but they do pay any interest that might accrue.  He's already turned the receipts in and he will have the company card for his meals at least and rental car while he's down there.

The refunded money will get plopped into the medical fund as DD has surgery coming up in January right as the deductible restarts.

Anywho, here is how the paycheck went out the door.

$577.86 Tithe

_500.00 Grocery Envelope

_200.00 Snowblower Fund

_500.00 Medical Fund

3000.76 Citi

_150.00 Phone/Computer Envelope

__50.00 DH Spending Money

__50.00 My Spending Money

__60.00 DS Allowance

__30.00 DD Stipend

__20.00 Bed Frame/Mattress Envelope

_500.00 Bathroom Repair Fund

_150.00 Christmas Fund

----------------

$5,788.62 Total Money Out

Okay, now that I've sent in my post on how I did during week one, here is my plan for week two.  I've decided to take it easy on myself, because I still have this cold, or possibly a sinus infection, and it is dragging me down and I don't want to have to work too hard at making dinners right now.

Meal One: Beef Stew--Jarred beef, jarred potatoes, jarred carrots, low sodium beef gravy powder, low sodium beef broth, fresh garden green beans on the side

Meal Two: Fresh Spaghetti (shorter cook time), low sodium basil garlic spaghetti sauce, and frozen homemade turkey and lamb meatballs, salad on the side

Meal Three: Baked salmon (wild caught by us), corn on the cob, fresh garden green beans, baked potatoes

Meal Four: Pork chops smothered in homemade onion gravy, baked potatoes, and steamed cabbage

Meal Five: Chicken with Meditrranean Vegetables and Seasoned Rice

Meal Six: Steak with sweet potatoes and broccoli

Meal Seven: Extra Large Chicken Stew, 12 b/s chicken thighs cut into bite size pieces, with 4 large potatoes, 4 sweet potatoes, 4 carrots, 1 large parsnip, 1 large turnip, 4 stalks of celery, 1 onion, all veggies cut into bite size chunks, 2 packs of chicken or turkey gravy (low sodium) and chicken or turkey broth (low sodium) to make the gravy up.  Cook in crock pot 8 hours on low.  Serves four for dinner and makes several lunches for the week or for the freezer.

My son will be helping with peeling and chopping.

Last week we started on our plan to reduce excessive food spending and food waste by using up all of our leftovers, not eating out, not letting food rot in the fridge before we got to it, and buying according to our meal plan, which allowed for breakfasts, lunches, dinners, and snacks for the snackie ones.  Also, the ingredients for making deserts are always on hand, you just have to want them enough to make them.

So, on objective one, we did use up all of our leftovers last week, so I am quite proud of that.  That has been our second worst issue when it comes to food waste, whether it be from cooked food or takeout food.

We cleaned out both fridges before making a meal plan so we knew exactly what we had that was good and could be used.  It wasn't a lot.  Of course we had all the meat in the fridge, so we didn't even have to buy that at all.  So starting with what we had, we then looked in the garden to see what we had to use there.  And then I made a meal plan up that would use those ingredients up for the week and might use items in the sales ads as well for fruits and vegetables and other staples.  We were out of nearly every kind of cheese we use.  I have to limit my cheese use, but I found a brand of thinly sliced Havarti that is only 120 mg of sodium per slice, so I can use two slices on a cheeseburger instead of one.

But everyone else eats a lot of different types of cheeses, so I did stock up on that, and because I was going to be making breakfast burritos and egg muffin sandwiches.  Grocery shopping went well, we stuck to buying for the meal plan.  I stuck to the budget and that was while buying 70 pounds of organic carrots to can ($69.93) last week.  We will be buying 100 pounds of yellow potatoes to can out of the next budget on Friday, but that will still cost less than the carrots, because they won't be organic.

So we stuck to our meal plan and we did not let food rot in the fridge.  As for eating out, well that is something we did not do, though it came close, mostly because I kept falling asleep due to the cold medicine I was taking.  I was falling asleep at 3:00 and sleeping until 6:30 or 7:00 for 3 or 4 days last week.  So I started making stuff up ahead of time and telling my son when to put it in the oven and the Instant Pot so it would be ready at dinnertime and to just cover my plate and put it in the fridge and I'd warm it up when I got up.  It worked out great, except the fish night where I didn't have him cook mine since I don't like warmed up fish.

So far I have not fallen into a cooking funk, but it has only been a week.  I am not meal prepping except for breakfasts.  I want to do lunches, too.  I am not making freezer meals for dinners, yet.  But all and all, things went really well for my first week.  And since I have had a horrific cold, I think it is excellent progress.  I'll post my next meal plan in a different post.

Now that I've got a lot of meat in the freezer and only need to buy chicken which has been going on some pretty good cyclic sales around here, we can focus on better fruits and veggies during the rest of the year.  I want to bring my grocery budget back down from $500 to $400 every two weeks and then I want to bring it down to $300, but with that extra $100 going for food to can or dry goods to put away, like pasta and rice and such.  But another goal besides spending so much money is also to stop wasting money by stopping so much food from going out the door to our compost pile and garbage can.

Because the food waste has gotten to be a problem again and I'm wondering if we can get an organic waste garbage can and cut down our regular garbage can to every two weeks instead of every week.  We already recycle a lot, but we do throw out some things we can't compost like meat scraps and some food containers we can't recycle, like when an egg cracks in a cardboard egg carton.  And weeds can go in there, too, like morning glory that we don't want to compost, or the mowing with dandelion blossoms or thistle blossoms in it.  Or any other weed flowers before they go to seed.

While we can afford these things currently, things don't seem to be getting better, and I really used to be good about keeping the grocery budget down and the food waste low and I'm not anymore.

I see the main reasons for this as the following:

1. I am not keeping track of what is in the fridge so I am buying more than I need of certain vegetables I already have at home.  Particularly salad fixings and lettuce.

2. Stuff gets pushed to the back of the fridge, so people forget about their personal leftovers.

3. Stuff gets pushed to the back of the fridge, so I forget about family leftovers, like mashed potatoes or green beans or leftover pot roast.

4. I have quit meal planning.

5. I let myself fall into a cooking funk after my arm got messed up after my angiogram.  I didn't want to and I didn't care.  Takeout crept in.

6. I quit meal prepping despite wanting to.

7. I quit doing freezer meals despite wanting to.

So, I am planning to turn this around.  I am going to keep a large white board by the fridge that keeps track of the food in it and when you take one you erase the amount and write in the new total or 0.  If you finish the last of a thing, you also write it on the white board grocery list, and alert me of that fact.  With butter, milk, eggs, and bread, you alert me when we are down to half of the last thing.

Write down personal leftovers and family leftovers and cross them off as they get eaten.  I am out of my funk so start meal planning.  My arm is mostly working okay, so stop using it as an excuse unless it is really hurting and when it is tag in the son or the husband.  They can make certain meals so make them even if it goes off the meal plan.

Do individual breakfast and lunch meal prepping with my son.  Do some frezer meals for dinner so I have something when I feel awful or the day is going to be really busy.

Start meal planning again.  When I was feeling like crap I spent a lot of time looking up new recipes.  Some I've even cooked and they went over really well. 

I've worked out several meals so far that I can do for a meal plan for this month.  Some of them are new dinners, some I've only tried once but were approved, and some are much loved favorites.  I was just bored and wanted to switch up the repetoire.  Being bored with cooking is never a good thing, because you just kind of sit there and stare into space about what you want to cook for dinner and then the time to start comes and goes and you end up getting take out again.

Which is not something I want to do.  We need to be saving money, not wasting it.  So for the month of November, I don't want to do take out.  I want to spend only our grocery money, not money on takeaway.  I'd like to come up with enough meals for the whole month.  Right now I've got enough for nearly 3 weeks.  I want to get a month or two just written down so I can pull from them when I make a weekly plan.  I know what I am making today and tomorrow so I don't go into a brick wall at dinner time and I am preparing my grocery list for the rest of the week by first looking through the two fridges to see what we have and whether or not it is still good or not.  Going to Seattle for a few days when we did probably means a few foods went bad.

I'll also want to check the garden for zucchini gone wild and strawberries visiting crazy town and pick peppers and green beans.  Because if we have free food growing in the garden that we can eat, of course we want to do that first before buying anything.  The broccoli might even be ready by now, too.

Then I can actually fill up the meal plan properly.  The plan is to do some meal prep kits for breakfasts and some for lunches and then have things chopped up for dinner, even potatoes, but they will be in water so they don't turn brown, so all we have to do when it is time to make dinner is assemble everything in the right order or all together or into separate cooking devices or into one and with directions anyone can follow so if I am out stuff can still get going on time.

If whoever is supposed to doesn't forget to, then we can run like clockwork and we can get stuff done at the right time to get us all on a decent eating schedule with decent food that should help us all lose weight, give my son and I a set time in the day to exercise, and time in the evening to work on getting the house cleaned up after me being down for so long.  I swear, if I am not there to direct people the house just turns into a pig sty and it is time for a deep clean of everything.  I guess Fall Cleaning.  It's not technically fall but the weather has turned and the leaves are not green anymore, so I'm counting it.  Time to get life back under control again.

Well, technically I bought a steer after saving up for him for a year.  And he fills up 2/3 of my ginormous garage chest freezer (the biggest on the market), and 1/3 of my mini chest freezer in the house.  The rest of the mini chest freezer has what is left of the last beef we bought, mostly a grocery bag of hamburger, then round steaks, round roasts, bottom round, top round, eye of round, can you tell I don't like round cuts?  I also found some sirloin tip roasts and all the soup bones. So those are setting on top of everything else to get used first.  It's not a lot, just 3 grocery bags worth, which will go quickly with my family.  The rest of the chest freezer is filled with what is left from our hog, a turkey, and a couple packs of chicken.

The steer had a hanging weight of 674 pounds.  The cost to us from the farmer was $3.75 per pound, which came out to $2527.50.  The cost from the meat company to slaughter was $135 and the includes the disposal fee of the waste products.  The cut and wrap fee was .92 a pound.  We did not get the organ meats this year, but we did get the tail for making oxtail soup.  We did not get the tallow.  We did lose some bone, but got the soup bones.  So our overall weight that was wrapped was only 653 pounds, giving us a total of $600.65.

We had all of the round cuts made into hamburger this year, along with the usual meat that goes into hamburger and then had half of that made into hamburger patties, so we ended up with 86 pounds of hamburger patties, 4 to a 1 pound package, which had a fee of .80 per package or $68.80.  And yes, I could have saved that fee and made them myself, I even have the press to do it, but you know what inevitably happens?  I don't and we end up buying a bag of grassfed burgers, even though I have plenty of grass fed hamburger at home.  So this year we decided to just do it and I am so glad we did, even if raises our overall price a bit.  We eat burgers a lot, probably once a week to every 10 days.

So that brought the price from the meat company up to $804.56 and since it is a service, the state gets to charge taxes on it, even though food in its raw state is not taxed otherwise.  Taxes came to $70.80.  Bringing their portion to $875.36.  Adding $875.36 to $2527.50 brought my total to $3402.86, which was $90.11 more than I had in my account, so I had to scrape that up.  But I had $16.50 in my coin jar to roll and I had a $47 check refund and I took some cash out of the household envelope and then $3 out of grocery envelope and made up the rest with change from my purse.  I would have just taken it all from the groceries if I needed to, but I wanted to see if I could drum it up if I could.  If I hadn't done the patties I would have almost had enough.  But I wanted those patties.

Anyway, so if I take the total of $3402.86 and divide it by 674 hanging weight it comes out to just shy of $5.05/lb for grass fed beef.  If I divide it by 653, which would be closer to what we are actually left with, it would be $5.21 a pound.  Even considering bone waste, which we don't really have, since we save all our bones for bone broth before we toss them, it would still be at the max $6/lb for grass fed beef.  So I am very happy with that.  It's not that far off from what we paid two years ago, despite having a bigger steer this year and it being 25 cents more per pound and the kill fee and the cut and wrap fee being higher.  I'm really surprised.

We took the time to organize things.  Roasts in one and a half compartments.  Steaks in one and a half compartments, and those steaks alternating, sirloin, ribeye, t-bone, sirloin, ribeye, t-bone, so we don't do something like eat all the ribeyes first, then eat all the t-bones, then eat all the sirloin.  We go through them equally.  We took the weird cut steaks in the house, like tenderloin, flank, and skirt.  It'll make it so much easier to know what compartment to go and grab from.  We've kind of tried this in the past, but stuff has gotten mixed around too much so everyone has been warned not to screw with the system this year.  It really will save a lot of time searching for stuff.

My next focus will be to take those soup bones from the last steer and make them into low sodium bone broth, which I will need for a lot of the new recipes I have been trying out.  While I did find a good broth from Bonafide, it is expensive and I'd rather save it for making soup, not gravy or sauce.  Then I will take the new soup bones and make broth with them, too.  Just want to get it done and have the space because I have a bunch of tiny zucchini coming on that I will need to be shredding and putting in the freezer in about a week and a half.

It took my son and I 45 minutes to load it into the van, but we were also sorting the different cuts into different boxes and insulated bags.  Then when we got home DH was off work.  After figureing out what went in the house, we took the rest to the garage.  It took about an hour to get it all back there, mostly because we kept having to stop and rest.  It's one thing to be able to back right up to a loading dock and move stuff a few feet, it's another thing to have to walk 40 feet with 40 pounds of meat (DH) and 15 pounds of meat (me).  But at least we got it done.  And we were both exhausted.

My elbow from the side I had the catheterization on can't support any weight today without pain, so I'm back to that, but at least my hand is working fine.  And it was worth it.  That meat is going to last us a long time.  Probably 18 months, since we have a lot of fish and pork in the freezer, too.  We are low on chicken, but I buy that as it goes on sale.  It is the only thing I don't buy organic or fish for wild.

Organic chicken is so expensive and I can't see paying $30 for one chicken.  And I'm not set up to raise chickens anymore, nor do I have the energy or physical capabilities or desire.  The best I can do is look for ones not pumped full of brine.  Not the easiest of tasks.  Maybe that's just something I will have to save up for next.  102 chickens will not come cheap and would require another chest freezer.  So probably out of the question.  But it would help us on our road to health.  We all feel better when we eat truly organic or wild food, from farmers we trust, and our own fishing lines or prawn or crab traps, so when we can afford it the transition will be fully made.

DH got a raise!  Neither one of us was expecting it after last year's raise-a-paloosa.  It's more than a cost of living raise of 2% which everyone got at least that much, but somewhere around 3.2%, so a bit higher.  They are trying to create a new position for DH that doesn't exist yet, and that may take until next year, and with that should come another pay bump, but I'm not counting chickens.  This was a nice, unexpected raise of $5200 a year.  I don't have the exact number, because of course when I finally go to write about it, I've misplaced the paper, so chore number 3 for me today, after writing this and paying a doctor's bill, will be to clean off my desk and sort through the paperwork.

So that should work out to $433 per month or $200 per paycheck.  Before taxes.  I'm thinking we should just put the raise into the 401K and pretend it isn't there and then we don't have to worry about it messing up the budget or possibly being bumped into a new tax bracket.  Although all the overtime this year might do that anyway.

Right now we have contributed $16,941.51 to the 401K and have $5,558.49 to go to hit the regular max of $22,500 for the year and we will get that just with his regular pay and the OT will put us over somewhat.  It will be the first time ever we have hit the regular max.  Since we are both over 50, though, we can go for the catch up max of an additional $7500, which would put us at a $30,000 max for the year if we want to try for that.  I don't know if we can get the $30,000 max, but with any extra, it might be wiser to take the extra money and open up a spousal Roth IRA for me.

It would be nice to have some money that has already been taxed to use later in life.  If whoever  is in charge of the government at that time doesn't screw things up and mess with money that isn't protected in a 401K.  I just don't know how much we would have to have to start it up.  I know he can start up a Roth for himself through the same company his 401K uses and his company will just deposit the after tax money right into the account from his paycheck, but I don't know if they will do that for a spousal IRA, too.  We will have to look into it.  The 401K company just sent us some paperwork about him opening a Roth and gave a number to call if we wanted to talk to them about it.

I'm not sure when the raise will start.  DH and everyone else was told it would be on the last paycheck and it wasn't, so who knows?  It might show up on the next one.  They said first paycheck in August, but maybe they meant first pay period in August.

Maybe I'll just bump the percentage up in the 401K until we hit the $22,000 max goal and then when we do that, we can decide what to do next?  We have time to open an IRA for me.  I know I have said that year after year, but this year we might actually be able to do it.

The 401K is finally making serious strides and not only that, the IRA is finally back above $13K.  It needs to hit $13,900 something to be where it was before February 2021.  It's taken a long time to climb back.

$107,392.57 Amount in 401K

+_13,052.63 Amount in IRA

------------------------

$120,445.20 Total Retirement

That is a rise of $7101.69 since the last time I updated my side bar.  That also raises my net worth to $214,619.04.  Maybe if we push hard with retirement, we will have a quarter of a million dollars in net worth by the end of 2024.  That would be amazing, because it would mean we went from paying off $250,000 in debt when you add in interest, to being worth $250,000.  It is an interesting parallel.  Back in the debt days, I never, ever thought we would get close to having that without a positive number in front of it.  Meanwhile, my next goal is $225K. Onward towards that.  I just have to keep our spending in check.

What do you know?  I made it through that entire post without it hurting my hand until the end, and even then it is not too bad.  Things are getting better.  Still lumpy, but better.  Hope everyone is having a great day.

I have tried to write about my experience in the hospital numerous times and one thing or another has led to my draft getting erased, usually be the computer restarting itself.  My computer is falling apart.  It has lost some screws so the hinge isn't working properly which sometimes knocks out the cord and I'm not getting a low battery warning.

Anyway, the angiogram was a horrible experience.  My arm and wrist are not back to normal 4 weeks later.  Driving hurts, writing with a pen hurts, using a stylus hurts, pulling out a drawer, using my phone, resting my head on my hand, carrying more than 2 pounds, typing (though not as bad as it was and okay if I use the brace), brushing and flossing my teeth, stirring food, and even flushing the toilet.  For the first two and a half weeks, bathroom hygiene was agony for my wrist and it shot up to my elbow and sometimes my shoulder.  And when they realized they couldn't get the catheter to my heart they took it out and burned me from wrist to 3 inches below the arm pit.  I guess they were cauterizing or something.

The problem was that my arteries (and my veins), even the main one in my arm, are too little for the catheter wire to reach my heart.  Or as the doctor put it, too delicate and small.  What was really bad, is that my arm never went numb with the local anesthetic they used the entire time the did the precedure.  I cried the whole time.  I told them I was in pain the whole time.  They kept giving me pain killer and muscle relaxants, which worked great for the rest of my body, but my arm never went numb during the procedure.

I almost screamed that my arm hurt.  That's when the doctor said give her more lidocaine and valium.  At that point they were still shoving the wire up my arm and I knew what was going on, but the valium had made it impossible for me to communicate coherently, other than to say ow.  But I knew what was going on.  Or thought I did.  Lidocaine is closely related to novacaine.  Novacaine takes 3 times longer than it should to work on me.  It takes 3 times as many shots.  And it wears off a lot faster than it should so requires more shots mid-procedure.  We've also tried meviticaine and same thing.  Lidocaine was acting exactly the same.  And it didn't start working until I was in recovery when they were dosing me heavily with pain killers and my arm went numb.

After they pulled the wire out, they went in through the groin artery and made it into my heart, but even that artery was smaller than it should be.  I didn't have any blockages, though.  What my problem was, is that with the small arteries and veins, my heart was having to work harder than it should have causing the pressure to be very high.  The enlargement was due to both the Covid virus, which any virus can effect the heart if it is bad enough and you have it for long enough like viral pnuemonia or influenza, and my heart working so hard.

I was fine up until the first time I had Covid in 2020 because I was still getting exercise by swimming and doing water aerobics, but after Covid 2020, it took me almost a year to recover.  I was short of breath all the time, they shut down the pool, so when I did feel good enough to exercise there was nowhere to go, and my back was getting worse due to not exercising.  Then they didn't want us going to the parks or anywhere to walk, but it was getting harder to walk anyway.  I didn't feel good, so I didn't cook.  We ordered takeout, so we ate more sodium, which made the blood pressure get higher.  It was a vicious cycle as I caught cold after cold with no resistance after Covid 2020.  I caught two mild cases of Covid, due to having the vacine make it milder. Which they say made the next mutation even worse.  If I hadn't caught those two, the last one wouldn't have knocked me down so hard.  But at the same time, my BIL nearly died from one of the times I had a mild case.  But he was unvaccinated, so who knows?

When I got a bad version of Covid again Thanksgiving of last year, everything got way worse.  No one could cook.  Every meal was from a can or a frozen meal or delivery.  The sodium was off the chart.  Which made my heart work harder and helped cause the enlargement.

The thing is, all along I knew there was something wrong with my heart.  I insisted on getting a heart monitor test a few months before I got Thanksgiving Covid, but it never seemed to pick up what I was feeling.  So they were like, la la la, nothing to do here.  And I knew.  I knew my body.  I knew.

The other thing that is wrong with me is that I have too much water in my blood, so I've been water restricted, or rather liquid restricted, to 2 liters a day.  And that is really hard for me because I was drinking 3 liters of water a day on a normal day and more on a hot day.  And that was just water.  So now I always feel thirsty and my throat is croaky after a couple minutes of talking and then painfully dries out.  I do better if I suck on ice.

I have had to reduce my sodium intake to 2000 mg.  That isn't just the amount of sodium I add to food while cooking, it includes the amount naturally occuring in food.  So that was pretty hard in the beginning.  Especially since the stuff that sets off my insulin is the stuff with almost no sodium and the stuff that doesn't is higher in sodium.

There are a couple restaurants I can still get food from, but I am holding off on that for a while.  Right now it is better to eat at home and since I have reduced my sodium, I feel like cooking.  Left-handed stirring is something I am getting used to even if it is still awkward.

Today I had an ultrasound done on my arm to see if there is anything going on due to the the catheter.  There's not.  But there is still a large raised bump in my wrist so I am sure some kind of tendon or ligament got damaged or something got dislocated.  Plus my thumb and index finger still have spots without full feeling in them.  Probably nerve damage according to the ultrasound tech.

I just want to know if I go to a bone doctor or a regular doctor or physical therapy or maybe a massage therapist if it is muscular.  It's been 4 weeks and I don't have a follow up with cardio for a week yet.  And that is not with the doctor, but with the PA.  But if I finally have someone who gets eyes on this thing, I might finally get some action.

I do feel better since reducing the fluids, reducing the sodium, and having my diuretic raised yet again, plus getting a much higher prescription strength calcium pill compared to my little on the shelf mineral supplement.  I still don't feel normal, but I have started taking little walks with my walker.  I can't do much yet.  I also am going out to the garden more regularly.  Everyone has been keeping it up for me since I can't really pick anything or pull any weeds.

I'm sorry for any typos.  It took me over a couple days to type this one, saving it in drafts this time.  I need to get ice on my wrist and will read through it later and fix them.  I just wanted to get something up to let you know I'm not dead yet.

My wife asked me to update for her.  She is home from the hospital and is doing okay, just in a lot of pain.  She can't type for several days due to the shape her arm is in, she developed several hematomas, and her back was pretty messed up from the postition she had to be in for so long.  She will give details when she can type again.  There is still some worry, but no stents were necessary.

Yeah, I'm being flippant with my title, but I think I am allowed to be, and I thought it was more appropriate than Total Eclipse of the Heart, which was a strong contender.  Today is my heart procedure.  My check-in is at 1:30, so less than twelve hours.  My procedure should start around 2:30, but will probably start later, since everything always runs late at any hospital procedure or surgery I've ever been to for myself or anyone else.

I don't know how long I will be in recovery either.  It can be six hours.  I am going to try to sleep in until noon.  I have to wake up and take a pill at 6:30, but can hopefully fall right back to sleep, so I don't have to worry about feeling hunger from fasting all morning, and then I have to take two pills at 12:30.  These are for the surgery.

I am a little scared, because, you know, wire in the heart.  And then there is the fact that I woke up from anesthesia last time in pain and I remember it, so I really don't want that to happen again.  But the insurance is going to cover the whole thing, so at least we don't have to worry about the money side of things.  I hope it is easy and they can fix things with this procedure.  I just want to get my life back.

Last night I started a ten day process on getting the freezer full of individual frozen dinners for me to have ready to heat and eat like TV dinners, only homemade. I am eating healthier by avoiding takeout now.  I have always read ingredients and have been having some of the cleaner, healthier geared ones, which are still full of sodium, something I have to be careful with.  If I cook it myself, I can avoid putting in a ton of salt and if I make it gluten free, I can avoid a lot of the fillers put into food.

I cup up one of the store bought turkeys that was in our chest freezer.  We had bought one for Halloween and one for Christmas, but of course we got hit by Covid the week of Thanksgiving and I was still pretty sick the week of Christmas, we all were still exhauted and dragging, so we cancelled both holidays except the gift giving part at Christmas where MIL came in to our house and she and my mom kept a nice safe distance across the living room from us.

Anyway, cutting up a turkey is a lot harder than cutting up a chicken or a rabbit, but I got most of it done.  It was worth it in the end because it was an organic turkey with no ingredients other than turkey.  I did have to have my husband come and split the breat in half, because I chose not to keep it whole and I chose not to filet it.  I like roasting them, and in order to fit them in our little pressure oven, I have to cut them in half or they will touch the ceiling.  I keep the skin on and the bone in because it gives extra flavor to the bird.  Then after it cooks, I will filet the breast meat from the bone and slice it.

I did the legs, thighs, and neck last night for dinner and there is a lot of that left, too, and enough drippings to make stuffing and gravy.  So after I put one half of the turkey breast in to pressure roast, I'll start one of the Instant Pots going with two of the back pieces that were quite meaty, the wing tips, and some other scraps that came off, cover it with filtered water, and seasoning, and make stock.

Then I'll prepare my stuffing on the stove and put it in the oven for an hour (yes, I know it is technically dressing when it isn't inside the bird).  While it is baking, I will make gluten free no salt gravy with lots of herbs, while my husband makes a box of Instant potatoes (just potato flakes) for me (they do better in TV dinners).  Then I will take a break for dinner while everything cools and then put the other turkey breast in to pressure roast.

After dinner I will start assembling turkey, mashed potatoes, and gravy in the big compartment and either frozen green beans, or frozen mixed veggies in the small compartment.  If I have one with two small compartments and one large, I'll put the stuffing in the second one.  Frozen corn, and frozen carrots would work, too, if you don't mind the whole dinner being frozen carbs beside the protein.  So would peas, but not in my world.  Peas are meant to be an ingredient used sparingly in rice or soup, not an entire serving by itself.

By then the stock should be done and I can strain it into another pot.  The bones can be picked free of any meat and then put back into the Instant Pot with the bones I saved from the thigh and leg meat.  I will be using some of the broth for the liquid as I make the gravy on the second batch, since I won't have potato water from making the gravy and I will use gluten free flour, so the meals will remaining gluten free.

With any remaining meat, I will do turkey tip bowls and soup.  You know how you have steak tips in gravy?  Well, this will be turkey tips in gravy over mashed potatoes, with corn and cheese mixed in and then a green vegetable can be added like a can of green beans, frozen broccoli, or a salad, along with a biscuit or two.  I will make some up and put them in the freezer so they can warm them up when they want them.  It's basically a famous bowl from KFC only without it having crispy chicken in it.  They like those.  My version will be gluten free.

I plan to repeat this with meatloaf, a mix of roasted sweet potatoes, turnips, potatoes, and parsnips, and then for the non-root veggies, zucchini, summer squash, or green beans.  I will vary the meatloaf between ketchup, BBQ sauce, meatloaf gravy, and plain.  If I have some plain ones, my daughter can have one of those.  These meals are mostly for me, but this way she can have one or two.  She is the only one who can't fend for herself.

Now I have also cut the wings in half, so I have two flats and two drums from that.  They are large enough for the drums to be two meals and the flats to be one meal, so I will fry those up to make three meals.  I will season them with sazon and I will do sweet potato wedges and green beans for those.  I will air fry those and then warm them up in the air fryer.

For another one, I am going to buy a bag of gluten free chicken strips that I like and fry them up and divide them into the TV dinner trays and add mashed potatoes and green beans.

I think if I have the energy I will make turkey and sausage meatballs with my sauce over gluten free pasta, bake it, and then put it in aluminum containers to warm up.

I'd also like to make up some steak tips in gravy, baby potatoes, and zucchini and summer squash.

My son has promised to help, but we all know how that goes.  I just don't want to fall back on store-bought TV dinners (except the chicken strips, which are pretty clean).  I don't want my family eating out, either, so I need to make sure there are family frozen dinners for them, too, like a ham dinner with mashed potatoes and gravy and green beans, cheezy ham and rice bake, turkey enchilada bake, a family size meatloaf dinner (in the freezer already), a ravioli bake (in the freezer already), spaghetti and meatballs, and taco mix, maybe some pizza blanks.  Just enough to keep them going for a week to ten days.

I'll lay out recipes for my son and make sure he understands them and the ingredients he may need to buy, in case my heart is worse than expected and I take longer than a week to recover from this.  He is a good cook and I've taught him a lot, but he tends to stick to stir-fries a lot because they are easy.  After I am better, I will have my own individual meals for a while and I can serve them some of the things I don't like, like Chicken linguine Alfredo and not have to cook a second meal for me.

Eventually, I want to make enough meals that anyone can grab a TV dinner and eat it if they don't like the main meal or if no one wants to cook.  Take out is expensive.  Store-bought TV dinners are expensive.  This way is the cheapest way to do it and I won't feel like the dollars in my food budget are just slipping through my hands or worse, the Citi card being used too much to buy takeout because we are tired or unprepared.

I do pay it off in full each month, but has gotten to be a bad habit and I am worried we are slipping further and further into bad habits and one day buying food like this might push us to the point that we will have a month where we don't have enough money to pay the bill in full.  It's a slipperly slope.  I still guard against that every day, but I don't think I am guarding as hard as I should be these days.  It's a slippery slope and I need to get back off the mountain and go back to using the credit card only for automatic payments and at Costco for cash rewards, as was intended.

I need that extra money for other things right now, namely the bathroom rebuild.  I know some of the spending can't be helped with my heart being so underpowered and my husband working so many hours, but I am just going to have to put my head down, take it slow, and try harder.

It's a nice beautiful day, so I am going to go keep my husband company in the garden and if I have the stamina, pull some weeds.  The beans are surrounded and need some help or they will surrender.

Our new net worth is $207,517.35.  This is a combination of factors, but since it involves the new ESOP contribution, I can't get specific about numbers.  I am excited that we turned the next big numer on the old odometer, if money were miles, on the trip to becoming a millionaire.  $200K is a big one.

DH has been working between 80 and 90 hours a week since April 23.  Unless I have to slow him down when he starts getting hollow eyed.  Or when he got sick a couple weeks ago and he took 1 day off.  I won't let him work through the weekends, since the only reason I agreed to this was that he helped me in the garden on the weekends, since he was supposed to take two weeks off of work in May to get the garden going.  Well, the garden still hasn't really gotten going very much, because he's been too tired.

They do give them meal breaks (lunch, dinner, second dinner), regular breaks, and "oh, my gosh, my head is going to explode, I need to do a lap around a building or two to clear it," breaks.  They can snack at their desks whenever they want.  Some of them are working 110 hours a week.

Unfortunately, with my heart and him going down with some kind of bacterial infection in his leg so that he was unable to do much more than eat, sleep, and otherwise work from 8 a.m. until 10 or 11 p.m. and not being home until midnight, and my son hurting his back, we ended up having a lot of food delivered for 3 weeks.  That was very pricey, hence the Citi bill.  $800 of that is for automatic payments that are put on the card, but the rest was takeout food.  I didn't use $250 of the grocery budget so that got redistrubuted into my other envelopes.  Anyway, this is how the paycheck got disbursed.

$478.55 Tithe

_400.00 Grocery Envelope

__75.00 Household Envelope

_800.00 Bathroom Replacement Fund

_150.00 Gas Money Envelope

2367.05 Citi Card Payment

__95.47 DH Life Insurance

__80.74 My Life Insurance

__48.71 DH Long Term Care Insurance

__50.00 DH Spending Money

__50.00 My Spending Money

__60.00 DS Allowance

__30.00 DD Allowance

------------------

$4785.52

The long and short of my appointment with the cardiologist is that I am going in to the hospital on July 7nth for an angiogram, which may or may not turn into an angioplasty or if things are very, very bad when he gets in there, open heart surgery.  But he thinks it is a blockage he can clear or just put a stent in. 

He was concerned enough to get me on the schedule as fast as he could, making an opening for me where there wasn't one, though, on his own schedule since the hospital had a free OR, because the flow rate had dropped from 45% to 43% between appointments with the lung doctor and him, based on the tests I did there and there has been no change in the enlarged chamber.

The risks of the angiogram are stroke, heart attack, and damage to the artery for the big 3 and those are 1 in 1000 risks, and then there are a litter of smaller ones.  But I can't keep living like this.  It's not living.  So if it has 999 out 1000 odds that I'll get through it just fine and improve my quality of life, I want to do that.

Meanwhile he gave me 4 meds to take, nitrogycerin when I feel any squeezing or pain in the heart, baby aspirin, a second blood pressure med with a non-sulfa based diurectic, and a beta blocker.  So that is where I am.  I still tire easily, but I am starting to feel the beta blocker working and am not having as much squeezing.  I don't know if these are forever drugs or not  It still happens, but not just because I change positions.  And I am sleeping better because my heart is not working as hard.  Even my fitbit and my c-pap tracking app agree with that.  So that's as much as I know right now.

So you may or may not have noticed that I haven't posted for a month and there is a reason for that.  I've had a series of tests on my lungs by pulmonary, and the breathing test showed that I couldn't blow out as hard the second blow as the first blow and then we waited and the same thing happened.  There were other test with the breathing and they weren't that great, but the damage wasn't really to the lungs, despite the shortness of breath that had been a near constant and the cough I can't ever seem to get rid of or my oxygen saturation being only 1% above COPD since 2020.

They had previously done two tests on my heart a couple of weeks before the breathing tests.  So I got the results of those as well as of the breathing tests on the day of the breathing tests.

An electrocardiogram (ECG, but sometimes referred to as an EKG) was first.  It was where they put some leads on you and monitor the electrical signals that make the heart beat.  That one was simple and painless and wasn't stressful at all.  

The second was an echocardiogram (you will hear it referred to as an echo on medical dramas) where they stick a transducer wand into your rib cage and press up hard under and into your breast and you really want to smack the technician because it hurts and you think he's going to break something.  I ended up with bruises.  It transmits and recieves sound waves that bounce off the heart and created an image and a sound on the screen.  He was having trouble with it making an image, so they ended up having to inject me with some chemical (gave me hives an hour later, had to take 6 Benadryl) to make it more visible or something.  Then he wasn't digging so hard into me.  It probably isn't so hard with men or flat-chested women.

Anyway, the news wasn't good.  I have an enlarged right chamber of the heart and my left chamber has a flow rate of 45% and it is supposed to be 55%.  She said I may have a blockage and maybe it can be removed or maybe they will have to put in a stent.  First they would have to do a stress test and since I can't do a treadmill test because of the hip and discs in my back, they will have to use chemicals to induce the same thing in me.  Oh, joy, more chemicals.

So they referred me to cardiology and I figured great, that'll be 3 months before I hear from them, because that's how long it took when I had to get the heart monitor and then an additional couple of weeks before I actually got an appointment to get it fitted and it turned out to be a big ball of nothing, even though I was absolutely sure something was going on with my heart.  Because there was, just not something that could be picked up on a monitor, hence me going to pulmonary.

But no, cardiology called me that night with an appointment on the 14th, which kind of freaked me out, because they moved that fast, which made me think it was even more serious than I was thinking, based on how long it took before.  But we were still under Covid restrictions before, so maybe it doesn't mean anything that I got an appointment in two weeks.

Anyway, the pulmonologist thinks the damage was either caused by Covid itself or possibly by a rare side effect of the vaccine I took, which was supposed to be the safest one, since I had these tests done back when I was fainting and my heart was fine then.  That was chocked up to be the aural migraines.  But those two debilitating bouts of Covid and maybe the two minor ones are the more likely causes of the heart thing in my mind. The vaccine could have thrown in its 2 cents worth as well, something about people with autoimmune diseases being more prone to that.  I think.  And I was kind of shocked, you know?

Most of the time when a viral infection damages the heart it does heal with time, but they know so little about Covid still, this version of it that was deliberately made worse and worse so they could study it, but seem to know nothing about the long term effects of it. What little they do know isn't good, she said.  I don't want to jump the gun, but it is hard not to think about it.  I've read some of the reports, because I'd rather go into this with my eyes open.

And it might not be Covid at all.  It could be my rheumatoid arthritis drugs damaging my heart.  Because they can.  So I might have to go off those and just live with constant pain.  Of course, I do anyway, but if I have to go off them, I'll have to live on pain pills and my doctor is super stingy with them.

The only really bright spot lately is that I found a prescribing nurse psychiatrist for my son and he's put him on a higher dose of his meds and they are extended release and he is doing so much better.  Once all this heart stuff is figured out, I will go and see him, too, because my meds are not right, either.

It's a lot.  It's really a lot.  It seems like there are only four or five people left on the blogs anymore.  But if those of you that are left could keep me in your prayers and thoughts, I'd appreciate it.  

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I updated my sidebar.  There has been some serious progress made in DH's 401K since the last time I upated retirement and of course that has propelled net worth forward a great deal.  DH has been working 80 hour weeks since the last week of April, so that has doubled his contributions and it has doubled the amount that his work has put in as well.  So 3/4 of the rise is due to contributions.

The rate of return for the year isn't great compared to any time in his working life except the two Obama years in a recession and last year (also was in a far worse recession by definition even though they won't call it one), but it is almost 8% for the year at the moment, which I will happily take over the negative of last year, or the 2% and 3.5% we earned during those two Obama years, which at least were still positive.

I remember how excited I got when our net worth hit $100K and then $150K and now $175K. We will soon be closing in on $200K.  I know they say once you hit the first $100K stuff starts to pile up more quickly, but it is really weird to see it.  Usually at the end of June is when they dump in more company stock, too.  I'm not sure how much DH will get.  You get a certain percentage just for working there, based on how many years you have worked there, but it doesn't vest for 3 or 4 years, and then you get bonus shares on top of it based on how many hours you have worked beyond your regular hours, and how high up in the company you are, if you have gone above and beyond your duties, etc.  And sometimes there are bonus shares if someone has retired and sold back their shares, which you have to do when you retire.

Anyway, DH is now fully vested in both his company stock and his 401K, so it is all his.  He loves his job and he isn't going to leave it, but if he suddenly had to he could roll over the full 401K and sell back the full amount of stock.  That's always a good place to sit.

I also updated the Emergency Fund.  It was off by $500.01.  That was a payment to the mold guy.

I had a great dream last night that my mother won the lottery, the biggest jackpot ever recorded, and we never had to worry about money again.  A nice retirement was assured.  Wouldn't that be piece of mind?

17 years ago today, on April 9, 2006, I started this blog.  I'm sure the time stamps will say it is April 10th since they still haven't got those sorted after several years, but it is indeed April 9, 2023.  Very few of you have been around that long or close to that long.  Fewer than that, still post consistently.  But once in a while a familiar old name will pop up.  And there have been so many new people along the way.  I miss the busy days.

I never thought when I started this blog I'd be where I am today.  Out of debt and with a positive net worth.  I thought this post was going to be longer, more involved, but I haven't really had time today to think it out.  

I just know that I have hit some major milestones in the last few weeks with both net worth and retirement.   Net worth has gone over $200K and retirement that does not include company stock has gone over $100K.  Those are also numbers I never thought I would see, especially with how awful much of 2021 and all of 2022 was.  But we are seeing them.  I hope we will make those losses up.  It's going to take a lot, but we were buying the whole time, and that's what does it after all.  Buy at the lows and you will earn at the highs.

I've learned more than I ever thought I could when I first joined the blogs here.  I just wanted to find a way to keep my head above water and get out of debt.  Now I have a positive net worth.  I didn't even know those existed for people like me.  But they do.  I hope that maybe my struggles to get here have helped some people along the way.  I know that yours have helpled me.

Blessings, my SA family.  We are small, but we are mighty, and I couldn't have done it without all of you.

I've got a longer post planned for tomorrow, since that is a major milestone for me financially, but this morning I hit a personal milestone that I just wanted to share outside my family.  Today I hit a weight I have not seen since 2021 around this time.  In a lot of ways it reminds me of building my first emergency fund of $1000.  And then to have to spend it on an emergency and then to have to build it all over again.

To be honest, I wasn't sure I was ever going to see this weight again just like I wasn't ever sure I could ever build that fund back.  I mean, in the course of things, it's 23 pounds lost since the beginning of the year, but it is a barrier that has been crossed.  Instead of the middle number on the scale being above a 5 it is now a 4 and that is a major psychological boost going forward.  And I did get that fund rebuilt, faster than I had expected, because this time I had a bigger reason.  The numbers hadn't lied to me in either case and I had numbers I was striving for.  Seeing them was fantastic.

It is a boost I've needed.  Honestly, the days creep along and you feel you are going nowhere, but I have been.  It's been 14 weeks and I've lost 23 pounds.  That's an average of 1.6428 pounds a week, which is well under what it is safe for me to lose, according to my doctor.  I want to lose 2 pounds a week.  Dropping it to 45g of carbs, I lost 3 pounds this week.  I might have to alternate days at 60 with days at 45, because I don't want to go so fast my skin isn't absorbed by my body.  Last week I was too lazy to make veggies and my weight didn't really move much.  It's a tight rope walking act and I have to not only walk on the rope, I also have to carry the balance bar.

Just like with finances.  You have to have the budget, but then you have to follow through on it with it on paying your bills, keeping your emergency fund intact, and following your spending and saving plans.  I don't know when I will ever get my Emergency Fund back up above $20K.  I know that the bathroom rebuild will have to come first, though.  We won't hit financial ruin or anything, we'll pause if we need to.  I won't drop it below one month's income for anything.

As for the rest, I have put my body and my diet and my blood sugar firmly on the front burner, because leaving it on the back burner for everyone else come first as long as I did, nearly sent me down the path to death.  I have to be selfish enough to take care of myself well, so that I can be here to help other people learn to take care of themselves to the best of their abilities.

We did two grocery shops in the last 3 days.  One was on Friday, which was payday and one was a smaller one today.  Both had items I needed to stock up on.  The items at Fred Meyer had some sales that if you bought five you could get them at a discount, so some of the quantities will seem high.  The large amount of avocado oil from Costco is so we can replace the oil in our fryer and also we are low on the bottle we use for cooking.  The fryer takes 2 1/2 bottles of oil.  We do run our oil through a filter to make it last longer and we top it off as well with the other 1/2 bottle of oil.  We never cook raw foods in it, either.

We have been using canola, which I hate to use, because they didn't have avocado in stock for a long time, at least not in the big bottles that didn't cost as much as the little glass bottles.  I couldn't find sunflower oil, either, though I prefer not to use oil at all.  Mom doesn't like it when I use lard, even though the stuff we have has no smell.  My daughter is allergic to coconut products, and we don't like the way the oil makes the food taste, either, even the super refined stuff.  Anyway, here is what I purchased at each store.

Large pack of organic blackberries at $5.99

3 4-packs of organic broccoli steamer bags @ $9.39 each

1 mega pack of 10" flour tortillas @ $7.39

4 bottles of avocado oil @ $19.99 each

1 jug of pure organic maple syrup @ $11.99

1 large pack of organic red grapes @ $7.99

1 large organic ceaser salad kit @ $8.99

1 bag of mixed color bell peppers (6) @ $9.39

Total money spent from Grocery Envelope: $159.74

My son wants to eat a lot more broccoli for his meal prepping, so that's why all the broccoli.  And I've been eating a lot more salad and so has DS and DH, so the giant salad kit is more appropriate.  We can go through one of the smaller bags from the grocery store in one meal, so at least this one will last a few days.  And the dressing only has 1g of carbs per serving in it.  DH leaves me the dressing and he has 1000 Island dressing that we buy, which is still pretty low in carbs, but is like 4g per serving.  DS using green goddess that we buy from the store as well.  Peppers go on the salad or in the stir fries.  The blackberries are for me, as they are a good fruit for diabetes, even though I am only borderline, I have to watch it with what I choose and berries are one of the best choices.  The syrup is for DS's protein pancakes and DH's toaster waffles, and the grapes are for my daughter.

Now on to the larger shop at Freddy's.  This included some non grocery items, which are grouped together at the top.

5 6-packs of Puffs tissues with lotion @ $8.99 a pack, minus $2.00 off per pack

6 3-packs of Rubbermaid Takealong containers for meal prepping @ $4.99 each

5 bottles of Palmolive Free and Clear dishwashing liquid @ $2.99 a bottle minus 50¢ per bottle

1 double size bottle of Dawn dishwashing liquid for Mom @ $6.49

4 t-bone steaks value pack for $23.58, marked down from $30.16

4 t-bone steaks value pack for $25.87, marked down from $33.64

3 pounds Kroger ground turkey @ $10.99

1 Cook's ham @ .99/lb for $5.83

1 Cook's ham @ .99/lb for $6.02

2 Hass avocados @ $1.98

2 Franz Extra Crispy English Muffins 2/$5

1 6 pack organic microwave popcorn $4.49

1 jar McClure's garlic dill pickles $11.99 (Very clean, no food dyes)

6 zucchini $5.20

2 cucumbers $1.58

Fresh green beans $1.81

1 8 oz can Herdez spicy red salsa $1 It was $10 for $10, but I've never tried the hot before.  The medium is good, but a little mild so I was thinking about mixing a large bottle with a small can to get it somewhere in the middle and see if I like that more or if I like the hot just as hot.

5 large bottles of Herdez medium red salsa $2.19.  I'm saving something, but the  receipt is weird there.  It says I'm saving $1.30, but then it says I'm also saving a $1 by doing the $5 for $5 event.  So maybe it was already on sale, and then there was an additional sale.  Anyway the total per jar is $2.19.

2 5 lb bags of organic mandarins @ $6.99 each saving $1 per bag

1 bunch bananas

Around1 pound organic uncured Canadian bacon from the deli @ $12.83

Around 1 pound organic pepperoni @ $13.51

1 loaf McKenzie Farms Buttermilk Bread @ $5.99

Total Money Out: $258.00

I chose the round up the change for the food bank option, which was only 15¢ this time, so other was the toal would have been $257.11

Total Money Saved: $82.11

Amount from Grocery Envelope at Fred Meyer: $165.68 (not taxed)

Amount from Household Envelope sepent at Fred Meyer: $91.43 (includes tax)

Total grocery money spent so far this pay cycle:  $325.42

That leaves me with $154.98 until May 12th, but they've been deposting the paycheck early lately.  Instead of the 31st, we got it on the 29th.  The time before that, we got it on the 16th instead of the 17, the time before that the 1st instead of the 3rd and it's been weird like that since before Thanksgiving.  The official payday has not changed, but the deposit has been in our account early almost every time.  I think there has only been once it was actually deposited on the day.  I didn't shop until Friday.  I am trying to keep it Friday to Friday, just in case they suddenly go back to Fridays.

I am waiting for the hot sheet to come out tomorrow at the restaurnant supply store.  Most of the time there is very little change in a two week period, but there can be one or two items that are new and I am hoping for either potatoes or carrots, so I can can them.  But tomatoes will do.  They go on very good sales there, so I can buy them and still have some money left to buy things like salad kits and fresh fruit.

Anyway, that's my tracker for now.  Hope it is helpful to someone to see what the prices are in a high cost of living area.

I am going into April with a positive mindset, because nothing can be as annoying as March was.  Everything broke in March except me.  The microwave quit working.  2 of the jars of potatoes I canned after I came out of my episode detailed below had the bottoms fall off and make a mess all over both canners.  They were 1976 jars so were old, but they've held up for a long time.  I think I will have to buy new jars this year.  My daughter fractured a bone in her foot, sprained both ankles, and hurt her knee and her hip in a fall when she lost her balance trying to kill a spider.

My son had a depressive spiral because the Adderall shortage means he goes 4 or 5 days every month without his medication, so withdrawal.  You can only renew those meds 2 days before they run out because they are a controlled substance, but it takes a week to fill orders because the pharmacy can only get one shipment a week and it goes to whoever has it backordered first.  It is screwing with a lot of people who have ADHD.  So that triggered his BP disease and he went down dark for a couple weeks.   And the government isn't allowing more of the medication to be made right now, because they suck and want to interfere with everything all the time.

Back to things that are broken.   One of the electrical outlets quit working.  And a giant tree branch from the neighbor's cedar tree broke off and fell on our swinging bench and broke the back of it.  It was old and I was thinking about getting a new one or replacing the slats on the old one with something stronger, although the bathroom rebuild derailed that for this year, but still.  Oh, and the plastic over the bathroom ceiling filled up with water and had a dead mouse in it, so we had to have someone come set poison out in the rafters because none of us can do it.

And we called the roofer to check for a leak and there was a loose shingle near a vent pipe, so he fixed it and put some sealing stuff around the pipe.  20 year warranties are so worth it.  So just one thing after another.  Hopefully the stuff put up there to keep mold from forming again works, because I hate to think the work that was done was undone by this stupid leak. 

I had my first full blown manic episode in years.  It lasted 3 weeks.  I've had a day or two of mania here and there, but not the full on psychosis with hallucinations and delusions.  I've never had it like that.  I mean I've hallucinated with migraines, but that was only visual and it was just colors and auras.  I've never heard voices or seen scary things.  Usually I just have a ton of energy and creativity.  The doctor upped my med by 100mg and I am fine now.  My husband had a field day dealing with two BP people at opposite ends of the disease at the same time, poor guy.

There is one positive from March in that I hit the losing 20 pounds mark.  No, actually there is two.  My last glucose blood test was 100.  99 is normal, so just one point away.  My doctor is really pleased with me, since I started at 139 and it has gone down so much with this diet.  That really helps me say I am just going to will positivity into April.

DH and I spent a lot of time yesterday planning out the fencing for Garden 2 along with where the gate placement will go.  It will have two gates, one on either side of the house.  That will be the first priority, because it will have the foods most likely to be eaten by dear.  The second priority will be fencing half of Garden 1 and putting in two gates there.  While I would like to fence all of Garden 1, that will be a longer term project and we have cages that go over the beds there.

So we will have a big expense with buying the 2 x 4's and 4x4's needed for the fencing and a big roll of chicken wire (150 feet), which is cheaper than fencing wire.  Wood prices have come down, but not as much as I would like, especially for treated lumber.  Then we will need 2 gate framing kits and the 2x2's for the gate, plus wood for the frame, plus a cattle panel to cut in half to make archway's to put the frames and gate in.  Plus I will need 8 more cattle panels so we can have a total of three rows of arched treillises.  We have 4 already.

I've been saving a lot of money for the garden projects.  I have $875 saved and once I go to Costco to get my rewards from my Costco Citi credit card, I will have an additional $898.  The 34¢ will just go in the coin jar.  So a total of $1773.  My MIL has a check for me for $30, not sure why, but she is giving us all $30 checks, and of course every payday I add my spending money of $50 to the garden fund so it grows.  I don't spend my spending money on anything.  The garden is where I get most of my enjoyment in life.  It's my hobby during spring, summer, and fall, so it is where my personal money goes.

If we need to we will spend the tax refund money on it, too.  DH still hasn't done our taxes so I am not sure what our refund will be, just that we are getting one.  We won't be able to deduct medical for 2022 as we didn't exceed the percentage needed to do so.  We probably will for 2023, though.  We did tithe 10% and contribute 15% to retirement, which helped lower our taxes quite a bit.  This year we are doing 16% and once we are dong saving up for the bathroom repair, I'd like to up it a little more.  Eventually, I want to get it to the point where we are maxing out the 401K and then using any extra money to put into Roth IRA's.

Or at least buy some solid dividend stocks.  I'd like to buy more Louisiana Pacific, because the quarterly dividend has gone up consistenly in the last 2 years despite the stock market being erratic and before that it was nice and level at least.  I'd like to get some other reliable dividend stocks like Coca Cola and other blue chips.  I also wouldn't mind saving up a year's income in the Emergency Fund and for a vacation to Hawaii.

Of course I'm already saving up for a vacation to Hawaii.  That envelope has a whopping $35 in it.  My electric vehicle fund also has $35 in it.  I know those are far future goals, but I am trying to put small amounts in there.  When they get a big enough amount of money in them I will create sub accounts at the bank and transfer them in.  I don't like keeping a lot of money in the house, except some emergency money in the ammunition safe I inherited from my dad, which has enough room for my budget binders, too, so none of my envelopes sit out. 

We are going to have to buy or make a lot of tomato cages, though, since I plan on planting 30 tomato plants this year.  Maybe more if I have the space.  I need to can a lot of tomato sauce and I'd rather grow than buy tomatoes for it, since organic tomatoes are expensive.  Since they are a dirty dozen food, I'd really rather have organic.

I have 4 aluminum raised bed kits that will be shipping mid-April.  So far the shipping labels have been printed for 3 of them.  I really hope they aren't waiting on the fourth one befor they ship.  I really wanted to get another 2, but I am not sure I will have the money for it this year with all the fencing needed.  It may have to wait a year.

The deer have been a real problem already.  I had two really big, pregnant does standing in one of my raised beds a couple days ago.  My raised beds are two feet tall.  I don't know what the heck they thought they were doing.  These are probably the same ones who were bedding down in my onions last year.  It was the same bed.  And they are leaving scat all over the back yard.  I've almost stepped in it about 5 times.

I need to put the cages back on the beds, but the stakes that held them in place have wandered off so I need to find them.  I'm sure DH took them for some other project and forgot to put them back.  He is really bad at putting things back where he found them or where they belong.  Tape measures are his biggest issue.  We have 5 tape measures and they each have a designated spot.  2 in the house and 3 in the garage.  Are they ever in their spots?  Nope.  I had to buy my own screwdriver set and keep it in my room, because he lost most of the house set.  I don't let him borrow it.

I hope to get the fencing up before the deer decide to have their babies in my yard.  I don't want to freak out mother or scare them away from their fawns.  It's not overgrown back there this year, though, so it is far less likely.  No places to hide.  And we will be taking down the apple tree, so there will be no late fall source of food, either, to attract them back.  Without anything to eat, hopefully they will find another yard to bother.

We will work on more fencing throughout the summer and fall and try to get the entire area that is currently in gardens and the area that will be turning into gardens in the next year or two completely fenced off.  I don't think I will be able to contribute too much more money to the project this year.  I am saving up for the steer still.  I have $1470 and I want to have $2500 just to be on the safe side.  It will probably be closer to $2200.  I need it by July.  Whatever I don't need will be rolled over into the bathroom rebuild fund, which currently has $450.

I may borrow from the Emergency Fund just so we can get the walls and ceiling put up, painted, the lighting and electric turned on, the ceiling fixture picked out, the flooring put in, and the sink cabinet and sink and toilet put in.  And a new door, but that can probably wait a while.  We double checked with the mold guy and he said he didn't detect any mold on the door.  But it is very warped so eventually it will get changed.

Doing the shower can definitely wait.  I'll buy all the tile at once, though, so that if they discontinue it, I'll still have it for the shower.  We changed our minds on the tile design we want, though.  We found something we liked better and it was cheaper, too.  I am still looking to see if I find anything I like better, since we sitll have time.  DH is building the sink cabinet and we want a new sink, not to put the ugly old one that my mother picked out back on.  But that is not too expensive, I've priced the one I want.  I'm still trying to find a faucet that I like, though.  I might just go with a kitchen faucet instead of a bathroom one, because they have a nicer selection and it will be taller for a basin sink.

Well, that about wraps it up.  After not posting for a month, I wrote a book.