Lucky Robin's Personal Finance Blog

So DH was out at MIL's on Friday helping her with some banking stuff in her city and he spent a bunch of time out there talking to her. I guess he brought up all the stuff we are going to have to do with the truck and MIL offered to pay for it. She said that FIL had been planning to have all that stuff done and just not ever gotten around to it. I guess she felt bad because we inherited a truck that has turned out to have all these issues.

So she says she wants to pay for not only all the things that have to get done when DH takes it in next week, but to have the paint issue fixed as well. Which means we actually get to use our tax refund for something else and not truck repairs.

MIL doesn't have to worry about money at all anymore and she has been so generous to us. This is why I want to work so hard to get us out of debt and on our way to financial security. So we don't have to worry in the future and can afford to be generous in our old age.

I am feeling a little better now. I came down with a virus that had me throwing up for two days straight, which was probably why I was dragging so hard this week. Everything has stayed down today, though, and I'm not nearly as exhausted. Still tired, but normal tired. Which for me is still probably more tired than 80% of the population, but any improvement is better than none. Tomorrow I might even be able to eat a vegetable.

Wow, that was the fastest we've ever gotten back our tax refund. We sent it in on the 15th at 2 a.m. and it was deposited into our account yesterday, so 12 days. We got back $1349, but as I stated last night, most of that is going to be eaten up with truck repairs. At least $1000 of it. On the bright side, we won't have to shuffle money around from the EF and then reimburse it since it is now sitting in the checking account.

I still feel cruddy today. I really wish this would stop. It took me until 12:30 to get out of bed today. I don't have the stamina to cook dinner so we are getting take away.

Since MIL is buying fast food for herself and SIL almost every day of the week, she has said we can get one meal out for the family every week for us on her. So this will be that meal. We may not take her up on it every week, but it nice to have that as an option on a week where I feel so icky.

I should have posted this the other day, but I have been dragging and the extent of my online activity has been on the level of watching videos of a cat singing the Game of Thrones theme song on youtube or the like. Yeah, that's where my intellectual capacity has been at. So not a lot of brain power going on.

Anyway, the raise for DH is official and all of the paperwork has now been signed. It won't be on the next paycheck, but will be on the last one of March. He's officially told the other place he won't be working for them.

On the bad side, the alternator is going out in the truck so we are going to have to get that fixed to the tune of around $600. I have $250 in the car maintenance fund. They had said it was going at the oil change DH had last week and today when DH pulled in the driveway it was really straining. Hopefully we can get it to the dealership without having to call a tow truck.

They made it sound like it would probably last six months, but we don't think so after today. It also needs the air filter, the cabin filter, the spark plugs, and the brake fluid replaced and we have decided to do all of that. So we will dip into the EF for this for the rest of the money. I had been planning to use the tax refund when it came, but I don't think it will be here in time now. But we will reimburse the EF when the tax refund comes. Sadly, it will probably use up the entire tax refund. But at least we will break even.

I will start saving $100 a month instead of $50 a month to the car maintenance fund for the next two months, just to build that back up again. Or maybe keep it at that level. The truck is a 2007 and there may be some other issues coming up. A belt or a fuel pump or something, though as of now those things are fine according to the mechanic.

I worry less about the van. It is a 2011 and we haven't hit 45,000 miles on it yet, but it will be needing an oil change shortly and I would like to eventually get the dent pulled out that DH put in it a couple years ago.

$22,000 Balance Forward
-__,500 Payment Amount
-----------
$21,500 New Balance

Why do they have to put soy in everything? I mean, they are putting it in things like ice cream now. Even Alden's Organic Ice Cream has soy lecithin. When I pay that much for ice cream, I want it to be real ice cream. They are putting it in french fries. I am glad I found a french fry slicer at Value Village (thrift store) the last time I was there. I'll be making our fries from now on since both the store brand and the Ore Ida brand have soy.

It is in almost every convenience food. I am just so happy that the TJ's fish nuggets don't have soy. But a lot of TJ's food does, so I have to very carefully read the labels even there now. I think their fries are clean, but they are expensive and you don't get a lot. It's much cheaper to buy the 5 lb bags of russets and make my own. As long as I have DS's manpower to push them through the little machine.

It is frustrating to deal with an allergy in a grocery climate that seems to have gone soy mad. Products that were previously safe, like Lay's plain potato chips, now have soybean oil. It used to be sunflower or safflower oil. And yes, we don't need potato chips, but sometimes you just want to snack on a chip and I do get sick of it just being tortilla chips.

Nearly every bread has soybean oil in it. We have found Naked bread and Dave's bread which are clean of it, and of course I make our own bread often, but some days I just can't knead dough due to my RA. There's a lot I can't do on a daily basis anymore because of my RA. Crackers are ridiculous. And yes, I can make those, too, but some days I can't roll dough and I just want something for my soup.

I do cook 90% of stuff from scratch, but I like my 10% of processed foods for those days I can't, and it is looking more and more like it will have to be 98% if we are avoiding soy. Plus DD can't eat eggs, which is not quite as hard to avoid, but it does put a limit on what I can bake that she can eat, too.

Does anyone have a good waffle or pancake recipe (or both) that doesn't have eggs in it? And that actually tastes good without anything on it. Because I have made some that are virtually tasteless without egg. I don't want to have to dump a ton of sugar in the batter, although that may be the way I have to go.

The reimbursement check for DH's jaunt to the other office finally came through today. It was supposed to only take one week. It took over two. The bill is due in two days. I have not been happy with this and told him in no uncertain terms that if they send him off like that again, there is no way he is using our credit card for it.

They have company credit cards for exactly this sort of thing. I don't care how much easier it was to use ours, if they want him to go again, they give him one of theirs. They would have if it hadn't been so last minute and they still could have, it would have just been more effort on their part. DH has agreed.

DH's raise has been approved as of his last text message to me, but he is still waiting on the paperwork to sign. I told him to double check before he signs anything that it is the amount it is supposed to be and not some lesser amount. While this job has given us no reason to doubt them, there have been other companies that have pulled fast ones and said one thing but the paperwork did not match. Not on wages, but on length of contract. I trust no one in these situations until it is in writing.

I hope it gets signed soon. I don't want this to remain unsettled. He does need to give the other place a decent amount of time to try to find someone else, being as the job was supposed to start in 4 weeks. We don't want him to burn bridges by waiting until the last minute. Even if the way he was initially treated by that company was very sketchy, it was one employee, and they turned out to be a decent employer for the short time he was with them.

DH got the taxes done and submitted and we will be getting back a little over $1300. I don't know the exact amount since Dh did the final bit. We did do deductions because it meant a slightly higher return, but this will probably be the last year we have such major medical expenses as to put us high enough to do that with the new taxing structure. If DH gets the raise to stay here, we will be upping our 401K percentage to 7% so that our higher tax bracket will not mess things up for next year. I don't want to end up paying ever. I'd rather just a small refund.

I do have my total out of pocket medical expenses for last year and it is $28,248.75. I believe that is more than in 2017. If things go the way they are looking our medical spending should be greatly reduced this year. Our charitable giving (tithing) was only $5800, but we didn't start doing that until about mid-year, when DH got hired on permanently instead of through the temp company.

So DH's work is just waiting on a signature or two to get him that raise if they want to keep him here. If they do get it, it will be a raise in net income of $15,700 a year. It is not as much as up there is offering, but after air fare and having to pay Cobra for two months, the difference would only be $3000 to $4000, because a lot more would be lost to taxes from being in a higher tax bracket. That is an awfully big change in our lives for only $3 to $4K. Without the raise it is worth it. With it? Not so much. The second year it would be $6K extra because it would be without the Cobra.

Current job has better insurance and better 401K matching, which makes the trade off for up there less appealing. I am hoping they come through for him. They need to do it soon though as DH would need to make the decision and let them know up there if he's not coming so they can get someone else in place.

Current job implied they are planning to move him up into a better position when someone retires in December, also. So...there is potential for advancement, which there never was up there. And with that movement would come another raise, it is assumed, since there would be more responsibilities and a change in title.

With the raise it would take us 13 months to pay off the loan and we could still get our gym membership back. Then it would take us 8 months after that to get our 3 months expenses emergency fund. After that I want to take a small break and go on a vacation with my husband, no kids. We would take one month's worth of what we would have been putting into the EF and go on a short cruise, 3 to 4 days, booking last minute for a deal. We can plan our time for when work is at a lull. We don't care to where as long as it is on the west coast out of Seattle. We likely won't even leave the ship. It has been 8 years since we have been on a vacation and we've never been on a cruise.

Then we would start saving towards the 6 months emergency fund and a down payment on a house at the same time, with an uptick in our 401K percentage.

But until there is signed paperwork in his hands, there is no decision to be made and all of the above is simple dreaming. Except the taxes part.

I am still not back to normal after our trip to Seattle for DD's operation. It has been a week since we got back. I am still in pain, still have a massive amount of inflammation, am dragging like a person who never gets any sleep even though I am getting sleep, and am stuffy. I hate it when my RA flares up like this. I've made the decision to not go with DH and DD when they go for the surgery follow-up appointment. My body just cannot take these long car trips, although it may have been the hotel bed that made it the worst.

I don't know if they will have the biopsy results then or not, but I hope they will. Except for that one spot, things looked good. If there is nothing wrong from the biopsy, I guess we are back to square one. I want to get her tested for Von Willebrand disease. This is secondary to whatever else is going on, but she is getting daily nosebleeds two to three times a day that take a long time to stop and they are coming from high up in the nasal cavity. Along with the other bleeding problems she has had in the past, it would make sense if she has this, including when there was blood in the bladder for no discernable cause. We had her tested for a couple of other bleeding disorders before, but not this one.

So just as a recap, what's been diagnosed so far:

Hypothyroidism
Secondary Adrenal Insufficiency
Gasteropaeresis
Granuloma Anularae (autoimmune)
Some unspecified autoimmune disease they haven't tracked down yet (not RA, MS, or Lupus)
Neuropathy
Migraines

I am suspicious that she may have fibromyalgia, although I kind of feel like that is what they call something when they can't find out what it really is, because she has all the symptoms of it. And from what I can see, the treatments tend to be pot, muscle relaxants, and anti-depressants. She can't take anti-depressants because of the gasteroparesis (they make her puke and flare constantly) and she doesn't want to take pot, which we are legal for here in my state, but I don't want her taking it either. She's already on a muscle relaxant and it doesn't do much.

She does have autoimmune markers in her lab work, they just don't know what it is. And it is not the granuloma anularae causing those markers. It's probably something impossibly rare.

She also, of course, has never been the same since the skull fracture and broken tailbone when she fell in the creek when she was 16. Lots of brain fog and issues with reading and doing math even six years later. I still marvel at the fact that she graduated high school.

I just want us to find a way to make her pain better, so that she can function with some quality of life. But for that to happen it seems like we have to find the thing they can't seem to find.

At least since the gasteroparesis has been more and more under control, she is more positive and happy. I guess not puking on a daily basis will do that to a person. Also her hair has stopped falling out since getting that under control, so there's that. And she's no longer anemic, though she is only just above the line.

As for me, I'm still waiting on the Enbrel. The doctor and the pharmacy need to get stuff straightened out, but I have the co-pay card, so at least when they do, it will go forward. If I haven't heard anything by Monday I will call the doctor's office and try to push things along.

I also want the doctor to do a blood test for my cortisol levels and to check my thyroid. I think something is going on there, especially with cortisol. I felt so much better on the steroids, like a normal human. Of course, I could hardly sleep, but I was amped up enough it didn't matter. My reaction to them is what makes me think my cortisone is messed up. While I'm at it, I should schedule a mammogram, too. Maybe in another week I'll feel good enough to get on that.

DH's current job has offered him more money and a more secure position to stay. He'll have to run the numbers tonight when he gets home from work. It isn't as much pay as what the other job is offering, but current job matches 5% in the 401K, not just 3%, has a Christmas cash bonus, a Christmas 401K bonus contribution, company stock, and the insurance is better. Plus he'd be home. This just got interesting.

There's 18 inches of snow on the ground, and it is still snowing, but less consistently, which means that if I want a birthday cake I am going to have to bake it myself and I'm sort of the mindset of, well, ehh. Maybe peanut butter cookies as they are easy and I am already making bread. DH has been able to get out to go to work, but not many are able to get in. Some of the stores are closed, so even if I sent him for a cake, the stores might not even be open and I don't want him driving more than he has to right now.

Of course, this means we have spent no money since Sunday. Not that I planned to buy much, but I did want to get a new electric skillet and have the money in the household envelope for it. Those things really don't last long and the last one we got I was never fond of anyway, as it made a weird noise the whole time it was on. But now the coating is all scratched up. I have no idea how as we only ever use wooden or silicon cooking utensils in it.

I'm actually just thinking of getting one of those induction cook tops so that I could just use my cast iron pans or stainless steel on it and be done with this non-stick nonsense altogether. It costs twice as much as a skillet and I'd have to wait until the 22nd to order it when I put more money in the household envelope, but we've gone without for two weeks now, we can go another two, plus time for shipping. I've been considering doing this a long while. Since we just bought TP, body wash, and shampoo and conditioner, there isn't anything else I will be needing the household category for next payday except maybe tissues, so there will be plenty of money in there then.

Maybe I'll make cupcakes. I can do those in the Nuwave. Or maybe I'll just be happy with my bread and pick up a discounted Valentine's day cake the day after instead. They are always half price then. Or skip it altogether.

I'm not really that into it this year. I'm 49. Next year is more of a milestone. Although I did have one milestone of sorts, DH and I both did. They gave us the senior discount at the hospital cafeteria. DH is balding and grey and I haven't colored my hair for the last year or so, so my grey streaks at the front temples of my hair are quite visible (they used to be ash blonde streaks in a sea of auburn when I was younger). I didn't notice until I was looking at the receipt. So that was the first time we've been given a senior discount. Maybe I can order off the IHOP's senior menu now. They always have way too much food in the regular part, so I usually give DH half my pancakes and he orders accordingly. Not that we go there much anymore at all.

Sorry, this is so stream of consciousness today. Nothing much better to do while I wait for the bread to rise.

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

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

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

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

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

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

1 head of organic lettuce

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

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

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

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

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

DH took a new job today. It's back on the slope. After taxes and after airfare, we'd be bringing home $30K more a year. Yes, that's net. The 401K is not as good a match (but we'll contribute 7% instead of 5% to make up for it) and the insurance costs more (but pretax), but the difference in income more than makes up for that.

DH and I talked it over for several hours yesterday. His current job is getting iffy, because after the election last year one of the refineries pulled out of a couple of jobs and that means less work for his company. We feared this was going to happen because it does every time democrats get control of either the Senate or the House, and it is even worse when they also have the presidency, which they may again in two years.

I think it is a little ridiculous though, because they don't have control of both, so they'll never pass anything in the next two years, but the oil companies always seem to get fearful when the dems start getting any control. Usually because they raise taxes on the industry, already the highest taxed industry in America AND all developing nations, and try to shut down new exploration the second they get full control and put in all sorts of punitive regulations. They don't want to invest only for it to be shelved in a couple of years and have it taxed so much the project is no longer tenable.

But anyway, because the current job is getting iffy on work, and because this job pays so much more, we decided he would take it. It is a two year contract. We'll be out of debt in a year and have our six month emergency fund in place by the end of the second year and maybe some saved for a down payment.

He starts on March 18th. I told him to at least wait until March before he lets his current work know and I hope he listens to me. I'd really like him to wait until two weeks before to give notice as I don't want to try to go without pay for more than 2 weeks if they decide to let him go early. My hope is he can work right on up to the 15th. We only have $3000 in the EF, so it would be very tight. I am going to go down to a bare bones budget between now and when the new job starts and save as much as I can. We will have to pay for a Cobra for the month of April, but I believe the new insurance should start in May.

The first pay cycle will be larger because he will have 3 days of training on it before he starts his 3 and 3 hitch. I hate 3 and 3 so much as compared to 2 and 2, but it means less airline tickets a year.

It will be hard to go back to this again, but it puts our future back on track. It will be annoying to have to do a 6 week budget cycle instead of a 4 week budget cycle, but I managed before and I can manage again. And it is worth it for the amount we'll be able to speed ahead on our goals.

I just hope that after the two years are over there will be work that is easy to find, hopefully slope work. If not, I guess we'll have the fully funded EF and unemployment again (which is enough to cover insurance premiums, but that's it).

My meal plan is heavily based upon what is in the freezers, at least as far as meat goes, for the next two weeks. I am hoping that I will only need to buy eggs, milk, bread, produce, tortillas, cheese, sausage, and ham, and that I will be able to keep the expenses down doing that. If there is a tremendous sale on something, like .99/lb, then I might buy meat, but I am going to try to avoid it. I just don't like passing up .99/lb pork roast.

I might do it for four weeks. It really depends on how much of the freezer I clear out. I wouldn't really call this an eat from the pantry challenge, since I will be buying stuff, but maybe an eat from the freezer challenge. I meant to post this yesterday.

Day One:
Beef pot roast
Baked potatoes
Normandy Vegetables
Oranges

Day Two:
Chili
Baked potatoes
Normandy Vegetables
Oranges

Day Three:
Baked Potato Soup with Bacon
Green Beans
Canned Pears

Day Four:
Hospital Food (we will be eating at the Virginia Mason cafeteria for dinner this night or possibly the hotel restaurant)

Day Five:
Pizza
Salad
Canned pineapple
(Whether or not the pizza is homemade depends on when we get home from Seattle. It might be take away, but if we get home at least by two I'll make it from scratch.)

Day Six:
BBQ Chicken Legs
Baked Potatoes
Green Beans
Oranges

Day Seven:
Lamb Chops
Fried Potatoes
Normandy Vegetables
Canned Pears

Day Eight:
Pork Roast
Baked Potatoes
Green Beans
Oranges

Day Nine:
Meat Loaf
Mashed Potatoes and Gravy
Normandy Vegetables
Oranges

Day Ten:
Penné Pasta with Sausage and Zucchini
Canned Pears

Day Eleven:
Beef Steaks
Herbed potatoes
Normandy Vegetables
Oranges

Day Twelve:
Chicken Enchiladas
Rice
Green Beans
Canned Pineapple

Day Thirteen:
Chicken Quesadillas
Rice
Pico de gallo
Salad

Day Fourteen:
Carne Asada Tacos
Rice
Pico de gallo
Salad

We got hit by bitter weather yesterday. Several inches of snow fell and the temperature was 19 degrees. The wind made it worse. The roads might as well have been glass in the places where the sun doesn't really hit them. We had a problem on one hill where I had to stop for someone who ran a stop sign and then couldn't get my car to go forward. I had to back down the hill a bit and move over to get some traction. I did make it up. I couldn't really blame the guy who ran his stop sign as he did try to stop. He just slid through the intersection.

I didn't know how bad it actually was when we went out yesterday or I wouldn't have gone. But out we did go and we spent all of the money in the Clothing Envelope, plus $20 in the household envelope. DS was out of his body wash, which we have to get a special type since he's allergic to so much. The stores we usually buy it out have stopped carrying it, so we had to track down one who did. So we bought 5 bottles of that and then I took DS to Penney's and bought him two pairs of jeans and two pairs of slacks. They actually had pants there that were 29 inches long. He usually has to get 30, but that's a little long, so he was very happy.

DH had taken him to get new shoes the day before and we ordered new shoes for DD. So no more clothes buying until we can refill that Clothing Envelope. I had thought I needed new shoes, but it turns out when I bought the last pair it was buy one get one and so I'd stuck the second pair in my closet for the future. DH found them for me and it is such a difference on my feet.

Today the roads are bare and it is 27 degrees, but the wind is even worse. We had to go and buy a space heater for the rabbit shed as we had so many power failures last night (they lasted about a minute each, so maybe surges is a better word) that it fried the heater out there, even though it has a surge protector on it. It was an older heater anyway. We don't heat it very high, just the lowest setting, but it keeps their water bottles from freezing. Since I had run out of money in the Household Envelope, I took it out of the Personal Care Envelope. That's the money I'd set aside to get my hair cut, but I can go another month without. I might even go until spring, since the long hair is keeping my back warm.

After that we stopped at another store and got the special hand soap my son has to use, since he was nearly out of that as well. It's fun having a kid that is allergic to nearly ever skin product out there. /sarcasm We wanted to get him what he needed before we go to Seattle Wednesday night. Usually I have a stockpile, but I really let things run down when I was so sick.

Once we get back from Seattle, I will do a grocery shop, but it will not be a massive one. I'll get breakfast meats, but not any other kinds of meat. I have quite a large stockpile now that we need to go through and eat down before I buy any meat. I've done a two week meal plan based around what we have on hand, which I will post separately. I am hoping to keep the grocery budget to half this payday.

Despite the fact that it has been since July, it still feels strange to not get paid weekly. I mean, we budget for two weeks and it isn't like anything needs to be done during that time period after the bills are paid, but maybe that is the problem. I am so used to being hands-on on a weekly basis and now it is like it is set for cruise control and I'm there, but there is nothing for me to do unless I see an accident coming up ahead.

DH and I have started watching the Financial Peace University videos. We had started a while back and then life got busy. We decided to restart from the beginning and I am glad we did, because they have completely revamped the presentation. And what's really neat is that DH knows one of the guys in the video doing the testimonials. He worked with him up in Alaska.

We took a big step and cut up all but one credit card. DH is cancelling them, too, but the idea of cutting them up just seems so huge and something we have really both been resisting. We are keeping the one for auto pays, as I've had them double charge too often. Yes, they fix it in a couple of days, but if you double charge on a debit card and there isn't enough money to cover that, you get fees and it is such a mess to sort out even when it isn't your error. I feel more secure having the auto pays on a credit card for that reason.

Now you could say that we could just keep extra in the checking account, but we run a zero based budget, so that makes it difficult, as we don't keep a huge cushion in there. I know we can do it, but I'm just not sure we are 100% there yet. There is also the fact that with the debit card they can put a hold on your account. A hold on a credit card with a huge limit is not that big a deal, but a hold on money in your checking account is.

I know that I am justifying. I just think that when we only use it for travelling and auto pays and it is paid in fully each month, and we are as disciplined as we are, we can handle it. One day when we have enough money to have a large cushion again, we can go fully to debit, but that will not be until after the loan is paid off and we've saved at least 3 months of expenses. We will get there, but we are not there yet.

Personally, I want to do the part where you stop all retirement contributions until you are out of debt, because I think we'd be out of debt by the end of the year that way, but DH is against it. He's the one who wanted to do Dave Ramsey in the first place, but he doesn't actually want to "do" Dave Ramsey. Just the parts he agrees with. I get all his arguments, I agree they make sense logically, but I just want to be out of debt.

I don't mind doing retirement while saving up the full EF, but I want to be done with this debt. It frustrates me, because I feel like if you are only doing things halfway, it'll take twice as long, if not three times as long. I am so tempted to call Dave's show and ask him what to do about this. Of course he'll tell me to get rid of that last card, but he'll also tell DH to knuckle under to the plan. I think maybe some straight-talking from the man himself is in order. Or maybe I'll just email him.

We have been debt snowballing for as long as I've been blogging here. Not on the Dave Ramsey plan, just debt snowballing. And having a small EF. And it worked, but I don't think it worked as well as it could have if we'd been all in and had refused to take on any more debt (like the car purchases we made along the way). And we still aren't all in. We're 3/4 of the way in. Well, I'm 3/4 of the way in. DH is 1/2 of the way in. And while he is more of the free-spirit than I am financially, he still qualified as a nerd on the financial nerd vs. free spirit test. One more point and he'd have been a free spirit, though. I only had one free spirit point and seven nerd points.

In other news, I signed up for my Enbrel co-pay card. It should be here in a couple of days and then I can call the mail-order pharmacy and get the shots shipped to me. I am really hoping this will help me function better on a day to day basis. I'm not thrilled with the side effects of the drug, but the side effects of RA are at this point making it worth taking the risk to see if it helps. It may not even help.

In other, other news, the Girl Scouts are out with their super aggressive cookie sales and behaving as badly as ever at a store near you. I will be so glad when cookie season is over. Meanwhile, I will shop in the mornings instead of the afternoons, and see about making a small contribution to Campfire USA. I've never had a kid from there block the doors, grab my cart, and shout that I had to buy their cookies because they were almost at their goal. No, entitled munchkin, I do not.

I got the shower and tub cleaned today. I still need to do the sliding doors and the little shelves, though, but I will do those when I shower. It's easier. I used Barkeeper's Friend. It is amazing. We are keeping up with the kitchen so far and not letting it devolve into chaos again. Tomorrow's goal is to clean off the top of the bathroom vanity, clean the bathroom sink, and sweep the bathroom floor. Well, that's my goal.

DH's goal is to get the little section between the fridge and the cabinets cleaned out and to clean behind the fridge. And then if either one of us still has energy to take care of the armchair that has turned into a catch-all. We will get organized this year if it kills us.

All the pre-op stuff went well. It was an exhausting day. Getting out of Seattle is always the worst. They have these lanes that keep turning into bus only lanes and then back into all traffic and then back into bus only, like every other block. It is such a nightmare, especially when you are trying to make right hand turns, and then just for fun they will throw one in on the left hand lane. Practically all the streets are one way, too, which does not help anything.

And the pedestrians are nuts. Forget the fact that there are crosswalks at every corner and some in between. Heaven forbid they have to walk fifteen feet to cross at one when they can just dart out into traffic and disrupt the 15 seconds you have to try to advance half a block because they don't want to wait their turn. Ugh! I think this is the first time ever we didn't have to deal with any cyclists, though.

The anesthetist resident we met with was so drop dead gorgeous we thought we'd walked into a hospital TV drama. He was half Vietnamese/half Caucasian and had the most beautiful skin, just flawless and incredible bone structure. He kind of reminded me of a cross of Glenn from the Walking Dead and Eugene from the Try Guys on YouTube, neither of which are Vietnamese, but it was the bone structure. But his voice was a dead ringer for Mark-Paul Gosselar. It was the weirdest thing. He was very good at his job, very thorough in going over things and answering questions. He asked a lot of questions about DD's secondary adrenal insufficiency. It went very well.

Now we just have to wait for the 7th to get here. We are going to go down the night before and stay at the hotel that is attached to the hospital. That way we don't have to leave until around seven at night and we won't have to deal with any traffic and then we will have the hotel for a second night so that if DD doesn't feel like traveling the day of surgery we can wait until the next day and pick a good time to try to get out of Dodge.

If she does feel like leaving then we can still wait until evening and just check out early. That gives her a while to rest after the surgery. I have a feeling we'll just stay over that second night, though. Her surgery is currently scheduled in the early afternoon, but it may get moved up. We just don't know and won't until the day before.

We stopped at Red Lobster for dinner and spent far too much money, but it was planned for. I won't be able to go out for my birthday in February because it is too close to DD's surgery and I won't want to leave her alone, so this kind of counted as that for me at least, even though I didn't have cake. They had this weird cauliflower gratin thing that if you like both cauliflower and aged cheese is decent, but it needs some kind of spice as it was still a little bland.

They did give us a free dessert, which DD ate. It was because DH ordered a 12 oz New York strip steak and they brought him a 7 ounce sirloin. They did fix it. We didn't really care, mistakes happen, and the night was a bit of a comedy of errors, but no biggie. The waitress was great if a little scattered, the restaurant was pretty empty, and the music made you want to dance in your seat. All in all it made up for Seattle traffic. Plus their potato bacon soup is one of the best on the planet and when you start your meal with that it's all good.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

$22,500.00 Balance Forward
-__,500.00 Payment Made
------------
$22,000.00 New Balance

That's $3K knocked off this month.

I lost my Fitbit months ago. I thought I must have accidentally flushed it down the toilet, because I couldn't think where else I might have possibly taken it off besides the bathroom. Turns out it was in his truck, so it had to have fallen out there. He had to clean the truck out because he is taking it to be fixed this weekend and he found it on the floor.

I almost never ride in the truck so I never would have seen it on the passenger side and he wouldn't have found it if he wasn't cleaning. I am so happy to have it back. I felt so awful about losing such an expensive device. I couldn't really justify getting another one, as much as I wanted to have one. Not even with my own allowance money. I have this rule for the kids that if they break something through carelessness or just lose stuff, they are out of luck, and I sort of felt like I should abide by my own rule.

I will be much more careful with it from this point forward.

Mom went through all the utility bills for the past two years and realized how much she has actually been overcharging us for utilities. She has given us a reduction on the loan of $2500 to make up for it. She has also reduced the amount we need to give her each month from $500 to $400. But $2.5K! That is 10 percent of the remaining loan balance. And we will be making a payment on payday, so January is getting us way ahead of the game on knocking out that loan. I needed this win right about now.

$25,000.00 Loan Balance
-_2,500.00 Loan Reduction Amount
------------
$22,500.00

Woo Hoo!

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

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

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

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

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

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

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

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

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

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

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

So, yeah, the prednisone is definitely working.

I have really not been the same since getting so sick at the start of September. So I went back to the doctor today (had to see the on call NP) and I still have a pretty ferocious sinus infection. So she prescribed a double z-pack, plus prednisone. It's been over a year since I've been on steroids. I start them in the morning and I hope I'll get some energy back. It usually takes 24 hours. I wish I could start them tonight. Anyway, it was $13.64 for the meds and it'll be full cost for the visit once it clears insurance because of the deductible. I don't remember how much that is, but it is over $100.

I stopped at the grocery store after that. I picked up enough oranges to get me to payday, along with green onions, two tomatoes, 1 onion, some cilantro, and a lime. I spent under $20, but can't find the receipt. I'm making pico de gallo the day before payday and I wanted two days for the tomatoes to finish ripening. The green onions are for making egg flower soup, which is planned for tomorrow's lunch. I have to make chicken and bone broth in the morning so it is the perfect day to make soup. I will be making it with duck eggs which increases the protein.

I miss the days of it being my own duck eggs, but at least I have a source to buy them from, and I have to admit I do not miss doing the chores associated with keeping ducks, turkeys, and chickens. Or the smell. Well, that was mostly the chickens. I save the duck eggs for baking or egg flower soup, though, as they are $4.59 a half dozen at this time of year. During the regular laying season I can get them for $5 a dozen. Both are pasture raised so they have big orange yolks instead of faded out yellow ones. And they taste a lot better, so they are worth the expense, so long as I don't go overboard on buying them.

Anyway, that is the expenses for the day.

In no particular order:

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

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

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

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

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

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

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

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

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

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

Of course this field is missing data.

I heard back from the scheduler and DD's surgery has now been scheduled for February 7th. I didn't think we'd get in this soon, but I am glad we did. There is also a pre-op appointment on the 30th of January and I post-op appointment on the 22nd of February. So that will mean 3 trips to Seattle in 4 weeks. Ugh. But it will be worth it. I have to double our gas budget for that. We usually spend about $100 a month on gas, but I'll budget $200. That means not contributing to the computer replacement fund this month, but no one needs a new computer at the moment, so no biggie.

DH will have to take 3 days off work. He can work 4 10 hour days instead of 5 8 hour days, though. Or he can take some paid vacation time. It's not like we can afford to go on a vacation and we can't leave the rabbits even if we could, and they don't just allow him to work and take the vacation money, so the money and time off might as well be used for something like this.

I wish I could do the drive on my own, but my RA starts acting up after about 30 minutes of non-stop driving and I start to worry about my reflexes on longer trips, especially on a freeway I am not used to driving on with a much higher traffic volume and inhabitants that think turn signals are optional for lane changes. I avoid driving on the freeway most of the time even in my own city because I just don't like it.

I am hoping we will get an estimate on how much the surgery will cost. I am sure we will have to put down a down payment, too. That seems to be the way it goes these days. But we have $5K in the bank for this so we should be fine. Our portion should be less than that. But honestly, as much as I hate being debt, this is a surgery we would go into debt for, and I don't say that lightly.

So the commenting feature is acting up again, claiming I'm not logged in when I am. Will they ever get this thing permanently fixed? I've gotten to the point where I don't even feel like complaining anymore, because they'll make it work for a week, but it never works for good. The emojis haven't worked for what, two years now? *sighs* I know it is little things, but it is really making it user unfriendly.

My goal to blog more consistently kind of went by the wayside. We cleaned rabbit cages this weekend with our new clearance pressure washer, swept out the rabbit shed, including all of the cobwebs on the ceiling and put away the summer fans which had not been stored properly yet, and I wore myself out so bad that the last thing I felt like doing is blogging. I did, however, finish watching season 2 of Westworld.

The pressure washer was a $200 machine that we got for $70 because of the season, I'm sure. It is an ecofriendly one, too, that doesn't use as much water, but is very forceful. It made the chore much easier and faster, but it still took several hours because some of the trays had to be fired. Also having only 8 rabbits now makes it easier to get through all the cages quickly.

I haven't made up a meal plan for the second half of the month yet, since I was basically using up leftovers the past couple of days. We had some shredded chicken to get through so I made quesadillas. I also made some Mexican rice which had leftovers so DH and DS will have some for their next couple days of lunches. Both are big rice eaters. I used some of my home canned salsa in it. It's from 2015, my huge tomato year. The day before that we had leftover pork stew. Tomorrow I will sit down and figure out a meal plan for the remainder of the month.

I have to be more careful about how much work I do around the farm. I still haven't completely shaken my cough and despite it being fairly warm at 45 degrees on Saturday and Sunday, it was still a little colder than I probably should have been out in. But the work goes faster with three people than two. I spent most of Monday and Tuesday in bed, though. Partly the cough, but mostly the rheumatoid arthritis flaring up after doing so much work.

I have misplaced the rabbits' nail clippers so will have to pick up a new pair as they are all due for a clipping. I hate having to go to the pet store, but the farmer's co-op doesn't sell the right kind of clippers, the kind that encircle the whole nail. I think I need to get a new brush, too. The last one broke. The don't need to be brushed generally, but a couple of them are blowing their coats already. Makes me think we might not get a super cold winter this year. So when they do that it helps to brush out all the old fur. Plus they really seem to enjoy the extra attention. So a couple of small expenses there, but I doubt I will spend more than $15 there. DH needs to pick up a bale of hay this weekend, too.

I need to get a new charger for my phone as well. The one I have only works if it is propped at an angle. So while I can get it to charge, sometimes I forget to prop it and then go to grab my phone and it is dead. I don't know how much that will cost, but I have over $100 in my allowance envelope, since I rarely spend it. It won't be near that, I know, but I am prepared regardless.

I got my medical checkbook balanced. Found a mistake that made the balance $365 off. It was $182.50 that I'd added instead of subtracted, thereby doubling to $365. But that account has over $5000 in it so no worries.

I have entered in all the medical bills for each month. Now I need to add them all up and see the total to see if we can deduct for them. I know some stuff has changed this year. I'll get that done tomorrow and get the numbers for that and our tithe to DH. I'd like to get our taxes done ASAP. With identity theft in our lives, the sooner the better. Of course, I don't know if the IRS will be processing or not due to the shutdown. The last time there was a shutdown at this time of year, we sent it in early and still got it back fairly quickly, but that one was shorter than this one, so who knows?

I called VM today as I still haven't heard anything about DD's surgery being scheduled. I know there was a delay for the holidays, but it has been nearly a month. I left a message with the scheduler, so hopefully I will hear back from her tomorrow. DD has dropped 75 pounds in that amount of time. Pretty much all of it retained water. The new meds are working very well in that respect. She has cheekbones again. No guarantee it won't come back, but for now it is a major relief for her body.

Okay, I think that catches me up.

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

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

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

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

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

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

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

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

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

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

I took DD to the dentist today. She had to get the webbing clipped on that part of your mouth where the lower lip connects to the gum. It was starting to pull down the gum line on her two lower front teeth too far. It could have eventually exposed the roots of the teeth and she might have lost them due to them not being stable anymore. It was just a quick snip and a couple of stitches.

I am not sure how much it will cost us. Probably $50 for the co-pay, but they didn't collect anything while we were there. I wish our previous dentist had brought this up before. The new guy seems a little more on the ball. I mean, when he pointed it out to me, you could really see where the damage was being caused, it is an obvious thing that a dentist should have noticed before this. Unless maybe it wasn't as obvious and just got really bad in the last year.

I did actually break my no take out rule. I bought my daughter two milkshakes because she wasn't allowed to eat solids for the rest of the day and she wanted something cold to numb it. I really didn't want to go to the grocery store because it was raining hard, so we went to DQ.

I also spent $27.33 on prescriptions today, including a numbing mouth wash from the dentist for her. That came out of the medical account, though.

We still have not heard anything from the gyno's surgery scheduler. Hopefully we will hear from them this week. I know the doctor wasn't in her office for the last two weeks, but everyone was supposed to be back on Monday. The insurance company was probably pretty much closed down between Christmas and New Year's as well. If I don't hear from them by Friday I'll give a call on Monday.

I am still waiting to get a bill from DS's sleep study. It looks like it will be around $400 based on what the insurance company sent me for what they covered, but I'd like to get the bill so that it can be taken care of. The insurance statement only came on Monday. Everyone is behind because of the holidays, I think.

Mom called her insurance company today and has a claim number we can use. We will take the truck in soon to get an estimate and then schedule repairs. Fortunately, the damage is just cosmetic except for the bumper and while the license plate is dented in badly, it is still readable. We will leave that until we get new plates. Washington state requires new license plate numbers every 5 years (and they wonder why we are running out of numbers on our plates. They used to just be six digits and now they are seven because of this rule. Well, actually, we better make sure a new plate would even be attachable. I'll mention that to DH so he can mention it to the repair guy.

I did change my meal plan tonight since DD can't eat solids, to penné pasta with chicken sausage, since she can't eat the chicken sausage or tomatoes. I have a ton of sausage in the freezer that used to be something she could eat, but she can't anymore.

Oh, Alliecat79, this was a super easy Instant Pot meal. Just take two pints of diced tomatoes with their juice and add them to your pot, then dump in a box of penné pasta, then put in two jars of spaghetti sauce covering the pasta. Put an inch of water in each jar, put the lid on, shake up, and then dump the contents into the pot. Between that and the tomato juice there is enough liquid to make the steam so adding more is not necessary. Cut up some sausage links and put on top. On the manual setting, set the time for 12 minutes. Do a quick release when done and then stir it all up. That's it. (Sometimes I throw in a couple handfuls of frozen zucchini, too). Oh, and make sure you spray the liner pot with olive oil before you start. It makes clean up much easier.