Lucky Robin's Personal Finance Blog

So I went to Winco on Sunday and I had a few surprises, but I guess I shouldn't have been since it has been in all the other stores, it just took a long time for the shortages to catch up to Winco.  The wall of deals at the front of the store was missing it's stacks of canned green beans, corn, potatoes, and all beans but black beans, and fruit.  In it's place they had Chef Boyardee and Nally chili and tomato products.  It was shockingly noticeable.  The regular canned good aisle was obviously lacking stock.

On the bright side their was plenty of chicken.  Thighs, legs, wings, breasts, and whole.  It's been a while since I've seen that, especially wings, which have been missing for 18 months.  I still can't find pork sausage though.  And the cost of cheese has gone up 70 cents a bag or brick.  Oh, and I did find 5 pound bags of French fries, for the first time in 18 months, so grabbed two.  I will go back once the freezer is set up and has been running for 24 hours.

Anywho, here's what I bought along with their prices and some analysis.

2 Franz buttermilk breads at $3.98 total

2 5 lb bags Winco fries at $7.96 (She made an error here and only charged me for 1 of the fries)

2 boxes honey nut Chex at $5.16 total

1 box of cinnamon Chex at $2.58

1 sleeve Orowheat crispy Englis Muffins at $2.18

4 packs of Winco CoJack Cheese Sticks

Bananas $2.46

4 Roma tomatoes at $1.01

1 jalapeno at 13 cents

1 2 lb bag shredded CoJack cheese at $6.48

1 bag of party size Tostitos tortilla chips at $3.68

1 bunch cilantro at 48 cents

1 large sweet potato $1.85

4 onions $3.14 (She made an error here and charged me for sweet onions and not yellow onions).

5 lb bag of red potatoes at $2.98 (They didn't have a single bag of yellow potatoes although there was a sign for it).

Red grapes $3.75 for 2.23 pounds

4 containers of chicken thighs at $35.23

Total money out $96.21

There were 10 chicken thighs per container, so I divided that up into 5 bags of 8 pieces, which is what our family eats at a meal.  It works out to $7.05 per meal of chicken.  I used to be able to get chicken thighs for .99/lb, but the new normal at Winco is $1.59/lb for the same meat.  Legs were cheaper at $1.29/lb, breasts were $1.99/lb, whole chickens were $1.19/lb  and wings were $3.48 per pound.

I came out ahead on the cashier's errors, but I didn't even see them until today when I was going over the receipt.  Winco's policy is that if the cashier makes a mistake in your favor you get to keep it and if they make a mistake in their favor they'll correct it.  It might even be you get the item free, but I can't remember.  But since I came out ahead, I won't bother going back about it.

Today I took DS to his consultation with the orthodontist.  As the people here on the blogs told me, it will be around $6000, the amount I saved.  If we didn't pay up front the cost would be $6180, but since we are we get a 5% discount.  That is $309 off.  So our total is $5871.  Which means I have $129 to figure out what to do with.  He will be doing Invisalign, but the cost of regular braces was only $200 cheaper and I don't think he would tolerate them well, due to having a tender mouth.

Randomly, dinner tonight was delicous.  We had baked chicken that I rubbed with olive oil, salt pepper, and sazon seasoning.  Then we had herbed mashed potatoes, and steamed broccoli.  Simple but full of flavor and one of my favorite meals.

Well, the freezer that was supposed to arrive in May has now been pushed off until the end of June.  But they do have some of another brand with the same size coming in this week.  It has a similar layout with the 21 cubic foot capacity.  We went in to look at the smaller version and decided to go ahead and switch to it.  So on Thursday we will be getting our new freezer. 

We have been without an upright since July and I wasn't sure we would ever get one, especially in time for harvest season.  We will finally be able to stock up on chicken and get a whole hog.  Mostly what I want from a hog is a lot of sausage, bacon, shanks, ribs, chops, and steaks.  I don't need any roasts or hams.  Then if I have room I will see if I can get a fall lamb.

We are really going for food security this year, where we don't have to rely on the grocery stores as much as possible.  I'm growing extra zucchini so I can freeze it and a ton of green beans, carrots, potatoes, celery, turnips, and parsnips for canning so we can have veggies through the year.  We'll be buying peaches and pears for canning as well off a farm.   I'll also be installing some low tunnels in the fall to keep the harvest going as long as possible.  I've grown peppers and lettuce and spinach into November before this way.

I still have a lot of work to do.  We'll be renting a sod cutter soon so that we can clear up some more garden space without having to do as much work getting the mat of weeds and grass out of the way.  It'll make it a lot easier on everyone.

We started work on the third 22 foot long garden bed.  A lot of weeding and leveling had to be done, but the bottom layer of cinder blocks has been laid to the halfway point.  DH is going to try to work on it a little at a time after work.  The bottom layer is always the most difficult.  Once the bottom layer is in place, we put down the weed barrier, and then the next two layers go on very easily since it is just a question of putting the adhesive layer down and then putting the blocks in place.  After the second layer goes down it has to dry for 24 hours and then the third layer can be put on and dry for 24 hours.

Once that is done we can work on pruning the giant rose bush down to about a foot high and put all those trimmings in the bottom of the raised bed.  Then the rose bush can be transplanted to the front yard and we can dig out the weed tree that has been impossible to kill.  We'll also be cutting down another tree and the wood will go in the bottom of future raised beds.  It's kind a cross between hugelkutur beds and lasagna style beds, since compost and manure and hay and cardboard will go in as well, before the four way garden soil fills the top foot.

I have a woman coming next week to dig out almost all of the raspberries and in exchange she will give me a couple bags of rabbit manure, some tomato and pepper plants, and some calendula starts.  I do like bartering when I can.  It saves me a lot of money.

I got the rest of the onions planted.  These ones are Walla Walla sweet onions.  They will have to be chopped and frozen as they don't keep long like the non-sweet yellows and reds I planted a week or so ago.  I up potted the tarragon, parsley and oregano in one pot, but will have to divide them up into their own pots in about a week or so if the new bed doesn't get finished.  I just needed them out of the four inch pots as they were just starting to get root bound.  I did locate some larger pots in the garage.  The oregano will need a big one, but the parsley and tarragon should be just fine in 8 inch pots.

I've been able to do quite a bit more than I thought I would.  I am getting stronger every day and a lot of the physical therapy has been designed to strengthen the muscles I need for gardening.  I may never be able to do weight bearing exercise again, but I have been walking without my cane and my son and I are going to try to take an actual walk tomorrow and see how I do.  One of the local parks has a flat loop to walk, I can't do hills without pain, so we would never be too far from the van if I had to go back.

Next on my agenda for the garden will be to weed out the strawberries.  This will be the last year for this set of strawberries.  I know what I want to get next year and will probably pre-order them in December or January.  They ship at time to plant so I need to get the jump on other people to get the variety I want, which alway sells out so early.  It is a much sweeter berry than the ones we currently have.  I'll likely pot up what we have now next year and sell them or exchange them for plants I want.

My goal is to eventually have the entire backyard and the little side yard devoted to growing as much of our own food as possible.  It's a lofty goal, and it might take five years to do it, but I know we will get there.

Well, I've maxed out the deductible for the family this year with my therapy, both physcial and mental.  We still have the out of pocket max to hit, but we no longer have to pay for the full amount of doctor's appointments or prescriptions, just the co-insurance part.  That takes some strain off the budget.  We also have used all of our FSA debit card for the year.

I had my first pool therapy session early last week.  All of the other appointments were on land to stengthen my core, legs, and back enough to be able to climb down the stairs and into the pool.  It went okay, but I had strained a muscle in my thigh gardening the day before it so I was a little sore.  I walked on the underwater treadmill for 12 minutes, which is really weird because you bounce between steps.  Then he had me walk across the pool sideways, which bugged that muscle in the one direction, but not the other.  Then I had to walk backwards and then do toe raises and then step up on a step and back down.  Then we did some arm exercises with floaty weights, while keeping the core engaged.

It went really well.  The hardest part was getting out fo the water and getting gravity back.  Being in the pool took a lot of pressure off the herniated discs.  Getting back out put it all back on.  It also made me realize that my legs are still weak and I have a lot of work ahead of me.  I see the neurology surgeon on the 24th, I think and we will decide from there what to do about more PT.  I think I need it as I finally started progressing forward.  I have one more session scheduled for now.

Then I had a hypomanic event.  I hate hypomanic events.  This time it went so high I nearly touched the sky.  And more to the point, I spent $300, because my judgment went out the window.  I mean, I had the money in my allowance envelope, but I was saving up for a Smart TV and then a new laptop, because I hate not having a touch screen.  It lasted 2 days and then I went crashing down into a depression well.  That was not a lot of fun.  I seem to have pulled out of it this morning, and being outside working in the garden helped a lot, but I had a miserable night of it, crying for 2 hours straight after everyone else went to bed.

I hate mental illness.  I thought I was finally starting to feel the effects of the new dosage of this medication, but maybe not.  This was the first time this happened since I started it, but at least it wasn't full blown mania.  The last time that happened it lasted 2.5 months and I wrote 400,000 words.

I graduate from the six month mental health program at my doctor's clinic on Tuesday.  I don't want to.  It will be my last day with that therapist.  I have started with another, and she's okay, I guess.  I like her, but her nose ring is distracting.  It's weird seeing a 60 year old lady with a nose ring.  I wish these visits could be in person.  Then I'd have somewhere else to look instead of just at her face on my laptop.  Anyway, now I have to build up trust in a new therapist.  She deals with people with chronic illnesses, so that is good.

I've also been referred to a psychiatrist to see if we can manage this a little bit better with medication.  It would be nice.  Plus, only he can diagnose whether or not I have ADHD, but I know I do.  I haven't heard anything from his office yet, though.  He is my son's psychiatrist and I've sat in on a session with my son and liked him well enough, I guess.

Well, I best be off to bed.  It's already midnight.  I have an appointment at 11:30 online, which means I have to wake up two hours before that to give my muscles enough time to warm up so I can even get out of bed, do my physical therapy exercises, and eat breakfast.  RA is a b-word and I am a night owl, so this won't be fun, but it must be done.  At least I'm not in a fibro flare.  And my mood continues to stablize so I might even get something out of this session.

It's my 16 year blogoversary here.  I can't believe I have been here this long.

I splurged a couple of days ago and bought the complete 15 season set of Supernatural.  I had watched it all along up until halfway through season 12 and just finished up watching the rest of it a couple of weeks ago.  I was waiting for a price drop to purchase it and when Honey informed me it had dropped, I snatched it up.  I do like that app, even if it gets in the way sometimes.  I paid $170 for it.  I can't even get X-Files for that price, but it's on my droplist, too.  I used the money I've been saving in my allowance folder.

Anyway, I've started watching Supernatural over again from the beginning.  It started airing a long time ago, and even though I have watched every episode, I don't remember a lot of it.  I'm not letting myself binge watch it, though.  Just one episode a night.  I've got too much to do right now with the garden.

I also bought some protein sticks off of Amazon.  I don't remember what they cost, but some of them are paleo and some of them are keto and all of them are no sugar.  It gives me something to grab in the morning when I first get up so I can take my pills without getting nauseated.  Then after a bit, I can make a proper meal.  I got some beef and some turkey.  I think it was around $40, but I got a lot of them.

I paid around $800 in medical bills today.  All but $658 was on the FSA debit card, which leaves about $5 left on it.  So we've gone through the $3000 we pay throughout the year pretax already.  Lots of medical bills and counseling bills, imaging bills, x-rays, plus physical therapy.  We've met the family deductible, but not the out of pocket max.  But now our medical visits will drop down to around $40 instead of $253 and the counseling will be lower.

As for the $658, that came out of my medical fund that I've been socking money to left and right.  There is enough left in there to pay for DH's upcoming crown and DD's eye exam and a new pair of glasses and of course I will continue to contribute to it.  DH is going to find out how much the COBRA for DD is going to cost so I know how much I need to be saving for it each month.  Plus we need to start saving up for next year's out of pocket max and of course prescriptions until we hit this year's out of pocket max.

I still have hope that the endocrinologist will file a report with the insurance company that she is completely dependent on her meds and that she is fully disabled.  Also the neurologist because of the passing out that leads to dibilitating migraines.  She is so bad off that her doctor recommended she go on disability, but if we can keep her on our insurance that would be so much better.  If she can get both, that would be ideal because then she could contribute to her own medical expenses.

She will be seeing an internal medicine doctor who deals with multiple diseases in May.  There's a possibility there, too.  I'd really like to get her tested for Elhers-Danlos syndrome, which requires genetic testing as soon as possible.  Also, I'm hoping she can recommend a better ENT because her daily nose bleeds are getting so bad and are coming from way up in her sinus cavity, but no tumors have shown up in there on scans.  There has got to be something that can be done.

Yesterday was so bad she had to go to the sink and lean over it because she couldn't keep up with the tissues.  I saw the amount of blood and it looked like a half a cup.  Plus she'd had one earlier that morning.  Maybe if they could cauterize something it would help.  Anyway, I made her drink an electrolyte heavy solution because she got really woozy by the time we got it stopped.  The ENT we saw before was useless.

It's going to be a bumpy ride the next few months.

I haven't done one of these in a while, but I think I did pretty well.  The sales at Fred Meyer were pretty fantastic, though.  I walked out of the store with six bags of groceries for $212.  It was a little less than that but they have program where you can donate the change to the local food bank, so I always choose that option there.  They say it really, really adds up, because most people don't want to deal with coins.

6 bottles of Miracle Whip at $3.99 each if you bought six.  This will give DH enough for 6 months.  Since it has gone up to almost $7 a jar, this was something I was not going to pass up.

4 containers of onions and chives whipped cream cheese for $3.99 each.  It's less than the new normal price, but more than it used to be by 50 cents.  However, there is a shortage on cream cheese, and my kids like it on their bagels, so I stocked up a bit.

I got a 15 pack of large tortillas for making breakfast burritos.  I wanted to get the large double pack that has 20 each, but they didn't have it.  I was four short for the number of burritos I want to make.  Not the best price either, but I'll have to go to Costco for that when I get more.  They were $6.49. It might be time to start making my own tortillas sice I do have a press now, which will be much easier than rolling them out.

2 bags of Dave's Killer Bagels at $5.99 each. Not on sale, but not bad.  These are softer than typical bagels and the kids like them a lot.  DD has problems with harder bagels.  This might also be something I need to start making myself. It can't be any harder than making soft pretzels.

2 bags of Simply Cheetos, the crunchy ones. Talk about shrinkflation.  The bags are half the size and they don't weigh as much.  They were on sale, though, at $3.49 per bag.

2 packs beef sausage (Paleo) at $4.49 each.  These were on sale and are for meal prepping.

2 packs polish sausage (Paleo) at $5.49 each.  Also on sale, and also for meal prepping.

2 packages of mild Italian sausage at $7.19 each.  These have gotten so expensive, it might be time for me to go back to making my own sausage from ground chicken, turkey, or pork.  These are used in making the breakfast burriots for meal planning.

1 Cook's picnic ham at .79/lb.  It came to $5.68.  I would have bought more but there was a limit of one.

Chuck roasts were on sale for $3.99 a pound so I bought two.  $13.66 and $14.29.  We have run out of pot roasts from our beef.  Again, I would have picked up more, but I like the flat ones and I like them to be at least 3 pounds.  They mostly had the tall ones, which tend to be a little chewy, even when pressure cooked.

Red grapes were on sale for $1.48/lb.  I spent $2.31.  They are very good, too.  Sometimes that is a crapshoot at this time of year.

1 bag of spinach at $1.99.

1 chub of turkey breast $9.09

1 chub of turkey ham $7.30

Fresh green beans.  I got 1.5 pounds for $2.69.  This is for meal planning lunches.

2 packs of blueberries on sale for $3.99 each.  These also were very good.  This is also a crapshoot at this time of year.

1 box of kiwis on sale for $4.  This was a tremendously good sale and it was a good sized box.

1 small red onion $1.03.  Ouch, these are getting so expensive.  Probably should have bought the non-sale produce at Winco.

2 red bell peppers for $3, for lunch meal prepping.

1 head of iceberg lettuce $1.99  It's been $2.99 for a while now, and the leaf lettuces were tiny, so it was the best bang for my buck.

1 green bell pepper for 99 cents for lunch meal prepping.

3 large yellow onions for $1.91.  Double ouch.

2 green zucchinis for $1.39/lb totalling $1.81.

1 bunch organic bananas at .69/lb.  At least some things haven't changed.  I paid $2.18 for the bunch.  The regular ones were .59/lb, but were pretty green.

I bought 2 large crowns of broccol for $1.39/lb totalling $2.21.

1 small bok choy at $1.99/lb totally $1.71.

1 head of green cabbage at .89/lb (up about 20 cents from a year ago, but still cheaper than what it is now not on sale).  I spent $2.51.

2 yellow summer squash at $1.39/lb and spent $1.31.

1 head cauliflower at $1.39/lb and spent $3.39.

 2 English cucumbers at 2/$4.  The regular ones were cheaper but really small and kind of beat up so I went for these.

6 paper bags at 48 cents.  We are still not used to bringing our own bags again.  This was a small expense that did not need to happen.  I need to get back in the habit, now that our own bags are allowed again.

So I saved $67.24 according to the receipt, which is pretty darn good for six full bags of food.  The total was $211.27 with 73 cents of change going to the food bank.

I could not find French fries, but their is potato shortage nationwide, so these have been pretty hit and miss.  That's why we are planting more potatoes this year than last.

I also bought 25 pounds of hard white wheat this week on Amazon.  There was a $3 off coupon, so I got it for $56.

So all in all this week, I did pretty well.  I still have to go to Winco for cheese and to see if the have French fries, but will do that on the way back from the chiropractor to save gas.

I'm debating a Costco run, too, for more tortillas for next week, some frozen broccoli, a rotisserie chicken, some seasoned potatoes, some chicken spinach ravioli, and some tomato sauce.  Maybe on Friday.  Or I can have DH pick it up on his way home from work.  Costco can be a lot as it is huge and I can only walk so long without it starting to really hurt my herniated discs and there aren't always ride on carts available.  I might put it off until next payday, except the rotisserie chicken.

We'll be meal prepping a lot, so we can have consistent portion sizes for breakfast and lunch, and for weight loss, so that DS and I only have to cook all that up for a week and then only have to worry about dinners for the rest of the week, which DS helps me with most nights.

Hopefully, I can put together a full meal plan as I know some of you like to see that as well as the grocery tracking.

I haven't done one of these in a while, but I think I did pretty well.  The sales at Fred Meyer were pretty fantastic, though.  I walked out of the store with six bags of groceries for $212.  It was a little less than that but they have program where you can donate the change to the local food bank, so I always choose that option there.  They say it really, really adds up, because most people don't want to deal with coins.

6 bottles of Miracle Whip at $3.99 each if you bought six.  This will give DH enough for 6 months.  Since it has gone up to almost $7 a jar, this was something I was not going to pass up.

4 containers of onions and chives whipped cream cheese for $3.99 each.  It's less than the new normal price, but more than it used to be by 50 cents.  However, there is a shortage on cream cheese, and my kids like it on their bagels, so I stocked up a bit.

I got a 15 pack of large tortillas for making breakfast burritos.  I wanted to get the large double pack that has 20 each, but they didn't have it.  I was four short for the number of burritos I want to make.  Not the best price either, but I'll have to go to Costco for that when I get more.  They were $6.49. It might be time to start making my own tortillas sice I do have a press now, which will be much easier than rolling them out.

2 bags of Dave's Killer Bagels at $5.99 each. Not on sale, but not bad.  These are softer than typical bagels and the kids like them a lot.  DD has problems with harder bagels.  This might also be something I need to start making myself. It can't be any harder than making soft pretzels.

2 bags of Simply Cheetos, the crunchy ones. Talk about shrinkflation.  The bags are half the size and they don't weigh as much.  They were on sale, though, at $3.49 per bag.

2 packs beef sausage (Paleo) at $4.49 each.  These were on sale and are for meal prepping.

2 packs polish sausage (Paleo) at $5.49 each.  Also on sale, and also for meal prepping.

2 packages of mild Italian sausage at $7.19 each.  These have gotten so expensive, it might be time for me to go back to making my own sausage from ground chicken, turkey, or pork.  These are used in making the breakfast burriots for meal planning.

1 Cook's picnic ham at .79/lb.  It came to $5.68.  I would have bought more but there was a limit of one.

Chuck roasts were on sale for $3.99 a pound so I bought two.  $13.66 and $14.29.  We have run out of pot roasts from our beef.  Again, I would have picked up more, but I like the flat ones and I like them to be at least 3 pounds.  They mostly had the tall ones, which tend to be a little chewy, even when pressure cooked.

Red grapes were on sale for $1.48/lb.  I spent $2.31.  They are very good, too.  Sometimes that is a crapshoot at this time of year.

1 bag of spinach at $1.99.

1 chub of turkey breast $9.09

1 chub of turkey ham $7.30

Fresh green beans.  I got 1.5 pounds for $2.69.  This is for meal planning lunches.

2 packs of blueberries on sale for $3.99 each.  These also were very good.  This is also a crapshoot at this time of year.

1 box of kiwis on sale for $4.  This was a tremendously good sale and it was a good sized box.

1 small red onion $1.03.  Ouch, these are getting so expensive.  Probably should have bought the non-sale produce at Winco.

2 red bell peppers for $3, for lunch meal prepping.

1 head of iceberg lettuce $1.99  It's been $2.99 for a while now, and the leaf lettuces were tiny, so it was the best bang for my buck.

1 green bell pepper for 99 cents for lunch meal prepping.

3 large yellow onions for $1.91.  Double ouch.

2 green zucchinis for $1.39/lb totalling $1.81.

1 bunch organic bananas at .69/lb.  At least some things haven't changed.  I paid $2.18 for the bunch.  The regular ones were .59/lb, but were pretty green.

I bought 2 large crowns of broccol for $1.39/lb totalling $2.21.

1 small bok choy at $1.99/lb totally $1.71.

1 head of green cabbage at .89/lb (up about 20 cents from a year ago, but still cheaper than what it is now not on sale).  I spent $2.51.

2 yellow summer squash at $1.39/lb and spent $1.31.

1 head cauliflower at $1.39/lb and spent $3.39.

 2 English cucumbers at 2/$4.  The regular ones were cheaper but really small and kind of beat up so I went for these.

6 paper bags at 48 cents.  We are still not used to bringing our own bags again.  This was a small expense that did not need to happen.  I need to get back in the habit, now that our own bags are allowed again.

So I saved $67.24 according to the receipt, which is pretty darn good for six full bags of food.  The total was $211.27 with 73 cents of change going to the food bank.

I could not find French fries, but their is potato shortage nationwide, so these have been pretty hit and miss.  That's why we are planting more potatoes this year than last.

I also bought 25 pounds of hard white wheat this week on Amazon.  There was a $3 off coupon, so I got it for $56.

So all in all this week, I did pretty well.  I still have to go to Winco for cheese and to see if the have French fries, but will do that on the way back from the chiropractor to save gas.

I'm debating a Costco run, too, for more tortillas for next week, some frozen broccoli, a rotisserie chicken, some seasoned potatoes, some chicken spinach ravioli, and some tomato sauce.  Maybe on Friday.  Or I can have DH pick it up on his way home from work.  Costco can be a lot as it is huge and I can only walk so long without it starting to really hurt my herniated discs and there aren't always ride on carts available.  I might put it off until next payday, except the rotisserie chicken.

We'll be meal prepping a lot, so we can have consistent portion sizes for breakfast and lunch, and for weight loss, so that DS and I only have to cook all that up for a week and then only have to worry about dinners for the rest of the week, which DS helps me with most nights.

Hopefully, I can put together a full meal plan as I know some of you like to see that as well as the grocery tracking.

It was dry and overcast yesterday, so worked on the garden, filling a 22 foot by 3 foot raised garden bed with rotted manure and soil.  I can't do any weight bearing exercise, so I was in charge of raking the dirt out after DH and DS dumped it in, plus breaking up clumps in the manure.  This stuff has been composted for 3 years, so it wasn't gross or anything and anyway, I wore gloves.

So we now have two beds the same size ready to go, although one of them has 8 feet of garlic in it that I planted in November.  It's come up very well and I can't believe how huge around the stem is on the elephant garlic.  I will be planting onions in the rest of that bed.  The per pound cost of onions has gotten ridiculous and the selection is kind of gross sometimes.  I am planting mostly keeping onions, but I will plant some sweet onions to cut up and freeze.  I want to do some shallots this year and of course some bunching onions.

With the bed we just finished I will be planting carrots, parsnips, turnips, and radishes.  I can can all of these things, but I will just have the radishes for eating, not for canning.  I don't know if I like pickled radishes or not, so I am going to try making one pint and if I do, then I will make more, but I don't think I will.

We have 1 1/4 pallets of cinderblocks left, enough to make one more raised bed of the same length, so on the next sunny or at least dry day we will be weed eating the area down to dirt and then covering it with a tarp until the next time DH can get to it to start making the next bed.  I plan on growing zucchini, kohlrabi, chard, cabbage, cucucmbers, and herbs, in that bed.

I looked at the deck today and all the plastic boards are the same length and they seem to be tongue and groove.  This will be great material for raised beds, plus we can reuse the support beams and posts as well.  I can't see how they were attached to the supports though, there are no nails or screws, so I am wondering if they were attached on the underside.  DS will have to look underneath to determine it when it is time to take the deck apart.  I don't think DH is capable of crawling under there anymore.

So those beds will be built where we had the potatoes last year, which is a 16 by 20 foot area. I am planning to transfer the strawberries into one of those beds, because where they were last year led to a lot of scorching of the plants in mid-July through August when we were having temps in the 90's and when it wasn't it was in the high 80's.  But it didn't kill them.  Which reminds me, I have to get a couple more room air conditioners before summer.

I'd like to also plant asparagus in that bed so it can pull double duty, but I think it will have to wait for next year.  The two grow well together since one has a deep root system and the other has a very shallow root system.  That area gets afternoon shade so will get a break from the sun for about 4 hours before it comes back around the giant cedar tree in the neighbor's yard and gets sun for a couple more hours.

As for the other bed, I am thinking tomatoes and peppers since it will be far less shaded than the first bed.  

We are putting potatoes in next to the yet to be built third cinderblock bed.  It is a 22 foot by 16 foot area, so a bit more space than the other and it will get more sun.  Eventually that area will get three more cinderblcok 22 x 3 foot beds, and we will just plant potatoes in raised beds in the future.  We have plenty of potatoes that we planted last year that have sprouted that we will be planting, but I also got 4 new types of seed potatoes that will ship when it is time to plant, so soon.

I wanted to try some fingerlings, get more Kennebecs, a different red, and German butterballs.  The last ones are supposed to do really well here and are very yellow inside, more so than Yukon golds.  I couldn't get them to try last year as they were sold out.  This year I was smart and ordered in December.  Everything I got is supposed to be long keepers.

I am hoping with better sun placement, we will get a higher yield this year.  And if I like the new varieties, that I will have enough of them to replant with next year, especially the German butterballs, because buying seed potatoes to have them shipped is expensive.  And the ones available locally are not the ones I want to grow and don't even necessarily do well here.

We plan on digging out and giving away some mature raspberry plants.  We have one person that eats them so we will leave a three foot area and get rid of the rest.  We can put up posts and trellis green beans there.  It'll only be the one row but since it is pole beans it will produce and produce.  Some will be green and some will be purple.

Once the deck is torn down, we will be moving the huge climbing rose bush, that used to climb the apple tree before it was cut down, into the front yard where the deck was and dig out a weed tree, then we can build another raised bed row that is 20 x 16 feet.  And if we get a stump grinder to take out the old apple tree stump at least enough so we can level the dirt, and tear down the old chicken coop,  I want to get a 10 x 12 foot plexiglass green house and we can put in two beds inside it for growing sweet potatoes and tomatoes in the future.

That probably won't happen this year, but it is on the agenda, as is tearing down the rabbit shed and planting fruit trees.  I want two more Italian prune plum trees, a Bing cherry tree and a Ranier cherry tree.  I don't know if those ones cross fertilize or not, but there are plenty of flowering cherry trees in the neighborhood.  I also want a good apple tree.  Maybe Opal apples or Tsuguras.  And maybe even a cold hearty nectarine and a pair of male and female cold hardy kiwis.  We won't let anything get huge, we need to be able to pick them easily, so will keep them pruned to a reasonable height.  And I need to get a huckleberry bush from a new supplier.

The dead, rootless sticks Tennessee Wholesale Nursery sent me last year never did anything and they refused to honor their warranty when I told them well before the year mark, and they said to just wait and see, then refused to give me my money back when I did just that.  Never do business with these losers.  I am getting a one gallon plant in a pot shipped to me from a reputable nursery.  I would like two but since one plant is $37, I may have to wait until next year to buy a second one.

So that's the plan.  It may be a three year plan or maybe a five year plan even, but we will do what we can this year, so we can grow and preserve as much food as possible and be far less dependent on the supply chain.  

This paycheck had a lot of OT on it and my AdSense payment.  This is also a three paycheck month and things are a bit different than usual.  This will be the second paycheck with the higher grocery budget, which went nicely last time with $37 left over to go into the meat fund.  I doubled the medical fund contribution for this check since DH is getting a crown done this month.  We are also helping my mom with property tax, so that came out of this payday as well.  As a reminder, I run a zero dollar based budget, where every single dollar is assigned a job.

$413.51 Tithe

_500.00 Utilities

_500.00 Grocery Envelope

1000.00 Medical Fund

__75.00 Household Envelope

__17.15 Box of Checks (a rare purchase these days)

_122.23 Internet

__70.00 Garbage Temp Fund

_167.00 Car Insurance Temp Fund

_100.00 Car Maintenance Envelope

__50.00 DH Spending Money

__50.00 My Spending Money

__60.00 DS Allowance

__30.00 DD Stipend

_310.00 Monthly Chiropractor Family Plan

_420.24 Citi

_250.00 Mom's Property Tax

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

4135.13 Total Money Out

We recieved our dividend check from Louisianna Pacific for .70 last week (I think) and the interest income from C1-360 was $4.81.  I also had $15.50 in rolled coins.  I haven't checked the other two accounts but they are generally pennies.  I'll do that later.  Anyway, altogether that made the deposit to the Emergency Fund $21.01. We've already hit six month's expenses, so now I am working on hitting one year's expenses, but slowly.  I've other things to save for.

$20,264.50 Starting Balance

+__,_21.01 Deposit

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

$20,285.51 New Balance

They haven't dropped this paycheck's contribution into the retirement account yet, but last payday's finally showed up.  With all the OT DH's contribution was around $1450, but it has gone up by $2639.45 since last I updated, so finally starting to make some gains.  The 401K is only down by 5.08% for the year, instead of 11%, so that's something.  Not sure on the IRA, but it hasn't moved much if at all in the past two weeks.  It's still down by around $700 from it's high.  So the new retirement total is $75,104.61.

That means NW is up by a total of $2660.46 between the EF and Retirement.  The new net worth is $133,303.40.  It's nice to see some real progress again.

I'm not going to add it in to Net Worth, but just for fun I checked to see the value of our vehicles again.  I had checked at the start of January to see if it changed our net worth and it was steady.  Well, when I checked it yesterday, the value of our van (54,000 miles) has gone up $2000 and our truck has gone up $500 (288,000 miles).  Toyotas are of greater value due to even higher demand than at the start of the year.  At least in my area.  I wouldn't have even looked, but we were checking prices on used Camry's for when my son has enough money saved, just to know a ballpark to save for, so since I was on there anyway I took a look and was quite pleased. 

I got my AdSense payment today, $104.20.  I haven't even made a youtube video since May, I think, but I have two old vidoes that always chug along at the top of my views.  I haven't decided what I am going to do with it yet.  I've kind of lost my mojo at youtube, but maybe that will come back when it is time to start planting in the garden again.  I've thought about using it to upgrade my video editing software, but I don't want to waste it if I don't resume making videos.  I probably will, though.  I just need to get on the right dosage of anti-depressants and I will start caring about things again.

Oh, and Amber, if you are reading this, congratulations on all you have accomplished.  I don't want to deal with the pain in the butt captcha today to leave a comment.

We recieved our safe driver's refund from our insurance company.  It was $42.85, which is about double normal, but maybe it is because we have 3 drivers with no accidents in a year.  I also had $5.12 left after paying all the bills, funding all the envelopes, and funding the medical fund.

$20,216.53 Starting Balance

+__,_47.97 Amount Added

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

$20,264.50 New Balance

The deposit out of this week's paycheck has not yet been made to the 401K, but it is still on it's way to recovery.  The IRA is just barely starting to recover and it needs to make up about $800 more before it is back to where it was, but at least it is above $13K again.  It's the first time in a while I haven't felt sick looking at the accounts.  I guess as the Ferengis say, "War is good for business."  I really hate that, but I'll take the recovery and pray for the innocents.  I wish that today's deposit had made it in, though.  With the amount of overtime on there the deposit would have been well over $1000.  Probably won't show up until Monday or Tuesday now.  Usually it shows up on Friday unless there was a banker's holiday during the week. 

Anyway, here's the amounts

$72,456.16 New Balance

_71,759.98 Old Balance

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

$__,705.18 Amount of Change

That brings new worth up by $753.15 to $130,642.94, so finally cracked $130K.

I got my mouth guard from the dentist yesterday; best $400 I've spent since getting my orthotics.  It was a pain in the jaw using the broken one for two weeks, but it was better than none.  This one fits like a dream and I had a great night's sleep after not having had very many in the last two weeks.

I can restart my cinzia shots now because surprise, surprise, I am finally well.  Just in time for allergy season to go into gear with the blooming of dogwood and forsythia, but you can't have it all, and they are very beautiful.  I can really feel how bad my rheumatoid arthritis has gotten since having to stop the shots and am looking forward to getting some relief again.  You never realize how well meds can work until you are forced to go off them.

I cheated a bit on dinner tonight.  We got two rotisserie chickens and a 2-pack of ready made potatoes from Costco and made some of my home grown and canned green beans.  Total cost $19.95.  It was way, way cheaper than takeout and I have plenty leftover for making other meals over the next couple of days.  I figure a couple of chicken salads (over lettuce for me) and then some chicken salad (sandwich spread for the others), and quesadillas, and then I will pressure cook the bones in water for chicken stock and can it. We could do this once a week if we wanted to and I could make things like taquitos and enchiladas to vary things up a bit.  DH works very close to Costco and now that he is going into the office 3 days a week, it is very doable without having to waste gas making a special trip.

Speaking of gas, it is at $4.35 per gallon at the cheapy cash only gas station and $4.79 to $4.89 everywhere else.  I did make some budget decisions, one of them being gas.  I've doubled our monthly gas budget to $200.  We may not need that much, but I want to run a surplus in the gas envelope, because who knows how bad this is going to get.

I've also raised the grocery budget by $100 per payday.  With the extra money I'm going to start purchasing more long term pantry items.  I did get my wheat berries in the mail this week.  I still have to get them into mylar bags and buy some buckets with lids, but that can get done either tomorrow or on the weekend.  But I would like to buy more.

I have also raised the amount I am putting into the medical fund by $100 a month to $600.  And as long as DH is working overtime, I will throw extra into it, too.  With the very real possibility that DD will get kicked off our insurance on her birthday and we will have to pay Cobra for 18 months and then who knows what after that, we have to save money for that.

So that really means buckling down about the take out.  I'm still trying to get a disabled dependent exemption, but with having to find a new doctor for her to go to, it's making it really difficult.  You'd think with as many diseases as she has she would be a shoo-in.  And it is stressing me out.  I am trying to use the coping methods my therapist taught me, intead of my old stand-by of carbs, carbs, and more carbs, but it isn't easy.

Well, I better go over the ads and make my grocery list.  It'll be so nice to step foot in a store without a mask on my face.  I won't have to worry so much about my asthma, although I will start having to smell people again with their overwhelmingly scented soaps, lotions, shampoos, body washes, and perfumes, sometimes all on one person with a horrible clashing and clanging from all the different fragrances.  I struggle with that so much because of my synesthesia.  That was something that was mostly gone with the mask.  Still, I think maskless and not aggravating my asthma so much wins.

I am almost well enough to get my third booster shot now.  Actually I can't tell if I am still sick or if it is just allergies starting, because there has been pollen on my windshield for the past several days.  I still feel really tired, but I'm functional.  I have started taking my more serious antihistimine, though.

The last few days have been beautiful and in the 50's.  There is still a chilly wind, though.  It is nice even if it still isn't outdoors weather.  I'm not sure what is causing all the pollen.  The nearest daffodils are 4 blocks away and the forsythia haven't started yet.  That basically leaves crocus and no one in the neighborhood but us has them and there are only a dozen blooming.  Not enough to count for the pollen dump.

It looks like the guy who is going to do the mold abatement in the guys' bathroom and repaint it will start next week.  He's also going to do the alcove of the back door area and the room Mom watches tv in that also houses my piano.

I've been holding steady on my weight because I haven't been focused on weight loss while sick.  I also haven't been taking my cinzia, because I am not supposed to while ill.  I think I can restart it on the weekend.  I haven't really noticed any increased rheumatoid symptoms getting worse, but that may be because the weather is warming up.

I looked at all the grocery ads today and made up my shopping list.  I haven't been inside a grocery store in a long time.  DH has been doing the shopping, picking up little things here and there.  But I need to do a bigger shop.  Fred Meyer had the best ads this week, so that will be my main shop, but I think I will also go to Winco.  They never have ads, but they always have the best produce and best produce prices.  We've made it through all the potatoes we grew that weren't sprouted and it's the only place I know where I can get 20 lb bags of potatoes.  We're lucky if we can find anything above 5 lbs anymore.  Since potatoes are pretty much a staple of our diet I just want to buy the one big bag at a time.

We'll see how far my grocery dollars will stretch.  I have been debating about raising my grocery budget by $100 every 2 weeks, but first I want to see if it is necessary.  It'll really depend on the cost of chicken.  Which I'll likely get at Winco, because they always have the cheapest chicken prices.  They also have the turkey chorizo we like.  Since chicken doesn't go on sale anymore, that's where I need to go.  I don't need to buy pork except for a small ham.  I don't need to buy beef or lamb.  If I can find dark turkey parts (necks, wings, backs) either place for cheap, I'll buy those.  They make the best broth.  I might even go for chicken feet if I find them, because that is so much collagen for bone broth.

I have found the tomato strainer I want to buy and also the honey strainer.  I won't use the honey strainer for honey, but it will help in the tomato sauce making department as well as in the bone broth making process, since it is fine enough to catch all the spices that I use in making it instead of having to use cheese cloth, which is harder to clean.

I have been debating on buying a 25 pound bag of hard red wheat berries.  I have my own flour mill, and the wheat is from my state and non-gmo.  This is the type of wheat berry that will make whole wheat flour.  I might get a bag of hard white wheat, too, which is for white flour.  Soft white wheat, if anyone cares, is for making pastry flour.  Wheat berries last a lot longer than flour and these ones are sproutable, so if we wanted to grow it (which I don't) we could.

It's a little $2.24 a pound.  1 cup of wheat berries equals to cups of flour, so it would be like $1.12 a pound for flour.  Which you cannot get anymore.  Not to mention, we haven't been able to find whole wheat flour in months.  So 50 lbs of flour per bag without taking up the room of 50 lbs of flour.  I would have to figure out how to store it, though.  I haven't been able to find food grade 5 gallon buckets in about a year.  But I have found 1/2 gallon and gallon jars, so maybe I can store it in those.

I won't order until I know DH will be back to bring it in the house.  DS has tweaked his back getting my mom up off the floor yesterday.  Just what he needed, since he tweaked his back about six weeks ago.  Mom's okay, but this is the second time in a week she has fallen.  I'm trying to get her to go to the doctor, but she's refusing.  I may have to pull out my medical power of attorney documents and force the issue if it keeps happening.  We'll see.

Well, it's time to make dinner, so that wraps this up.

We set DS up with a Traditional IRA today and taught him how to do his taxes.  Of course we have to wait to get paperwork from Vanguard before they actually get submitted, but he dumped $3000 from what he earned last year into it.  So instead of having to pay $300 in taxes, he will now be getting $161 back.

He has been wanting to get this set up for a while and we didn't want to miss it.  I know we still have a month, but I never like to push it.  He would have got more back, but we still claim him as a dependent.  Which we will until he works full time, buys his own groceries (or contributes his share to our groceries), and pays 1/4 of the bills.  Then he can be an independent while still living with us.  He's not even working right now, so it is a moot point.

DH finally sent off our taxes today.  I thought he'd done it in early February like usual, but nope.  So I'll stop looking for it to be deposited and just check on Wednesdays, just not this coming one.  We always seem to get stuff deposited on Wednesdays from the IRS.  We usually do them in February because it only takes a week at that point and because we want to get it in early in case someone tries to pull identity theft.  Someone used DH's SSN back before we were married, and while it wasn't to claim taxes, it was to pay them.

He had to go through the rigamarole of proving that he didn't earn that money, because he wasn't living in California, so that we could prove he didn't earn an extra $50K that year. It was a pain, but since he was working at home, he hadn't started in Alaska, it was pretty easy to prove.  Plus he had receipts from his credit card proving he was making purchases during that time and the location.  So it wasn't as bad as it could have been.

We keep having these beautiful sunny days, but they are too cold to sit outside with the wind.  DS says it is still too cold most days to go on walks.  I want to soak up some sunshine, but I don't want to get chilled.  It's probably just false spring #2.  We can't plant around here until mid-April, but I really need to get my tomatoes, peppers, eggplants, and basil going.  I'll have to check the chart for anything else that takes a long time to germinate.

I'm only planting two varieties of tomatoes this year and it'll be mostly Opalka paste tomatoes  They are heirloom and open pollinated, so seeds can be saved from them.  I've grown them before twice with great results.  The tomatoes can be as big as your hand.  These aren't your typical baby romas.  I will also be planting Lillian's yellow heirloom tomatoes.  I'll probably just do two plants there.  Since I am planting organic seeds and using organic planting medium, I will easily be able to sell any extras I don't need.

I'm seriously going to be making homemade tomato sauce, pasta sauce, pizza sauce, and ugly sauce (from the yellow tomatoes), and anything else will be quartered or diced.  I need to buy a food strainer.  My food mill that came from my grandmother and was new in 1934, won't hold together anymore.  I am trying to decide between a hand turned one or an electric powered one or just the add on for the Kitchen Aid.  The latter two are quite a bit more expensive, but none of them are out of budget.  Anyone have any experience with these and could recommend a good one?  I want to make the purchase sooner, rather than later, before prices go up for tomato season.

Now, after that long-winded post, this one shall be short and sweet.  My saving accounts earned $4.32 in interest, so I will add that to the EF, bringing the Emergency Fund to $20,216.53 and Net Worth to $129,889.79.  I decided to dump the interest into the EF because it is easier than anything else, and I do want it to eventually grow to a year's expenses, which I will be rounding to $40,500.  Long, long, long term goal is a year's income.  But that is not the priority right now.

I woke up feeling better today.  I slept in until 11:30 instead of 3:00 p.m. and was far less stuffy.  My voice still is scratchy when I talk, but my throat doesn't hurt.  Let's hope it's not a false spring situation where everything is starting to bud and then boom snow, like last week.  That's how this illness has been.  I know it is technically still winter, but you get my point.  But I got up, drank my water, and did my physical therapy exercises, plus some arm exercises I do to strengthen my shoulders.  It only takes 15 minutes, but when I am well I do them twice a day, so I get 30 minutes of exercise a day.  As I improve, I can start doing them 3 times per day.

After that I made lunch.  And not just soup.  I made stir-fry, which involves chopping things.  I don't remember the last time I made real food not out of a can and I didn't even do much of that the last 6 weeks.  DH did a little cooking, usually spaghetti, but mostly it was take out.  And I could really feel how detrimental that was to my body.  Not to mention how detrimental this has been to our bank account.  I mean, if it wasn't for the overtime we wouldn't be breaking even.  When I think where that money could have gone...well, I try not to, because that dog has already bitten someone.

After this recent bout of illness I am determined to change my health through proper nutrition and whatever exercise I can do.  I can't continue on this way with my weight.  I am literally killing my body.  My nutritionist has said to cut out a lot of carbs, but fat from dairy, tallow, lard, schmaltz, duck fat, goose fat, or healthy oils is fine. So when we do get our pig, I will get and render the leaf lard.  I'm going to make some ghee to make the butter shelf stable.  My nutritionist says that the government did the USA a world of hurt with it's old dietary recommendations for diabetics, people with heart disease, and extreme obesity.  That's why so few people actually got better on those diets and why so much more medical intervention was required.  Maybe 10% improved with a low fat diet.  I've believed that for a long time.

So I am cutting out sugar except on birthdays or holidays and replacing it with fruit, but only one serving of fruit a day.  And lots of vegetables and good quality protein.  If I have a starch it'll be a potato, sweet potato, winter squash, nuts, rice, or brown rice pasta.  I'm not the biggest fan of rice, but the family does like it.  Brown rice pasta is good, though and we have a lot of it to get through before I buy regular pasta again, if I can even find any.  The store shelves have been pretty bare of spaghetti or anything other than a few boxes of elbow macaroni, according to DH.  Pasta's not an end all for my family, though, and I can make noodles from scratch if I feel up to it.

I think I will try to avoid flour for a couple of weeks until the ball is firmly rolling and may then have it once a week in place of a starch, mostly so I can still have a slice of pizza here and there.  Depends on how good I feel.  I make a good gluten free pizza, though.  Either way, I pile on the vegetables and meat and cheese on my pizza anyway, and roll it quite thin, so it is pretty balanced, and add a salad.  In the summer I might allow corn, but it is extremely sweet and a grain so I'd have to be careful.  I will allow corn tortillas, but limited to once a week or less.

I would also like to eat more seafood.  We still have quite a bit of salmon and bags of spot prawns in the freezer that I need to get through before those seasons start up again and we'll have new stuff to put away.  DH has talked about maybe going for mussels, clams, and oysters this year and and also get the add on for gathering seaweed.  Seaweed is great in the garden when you are building new beds or for your compost heaps and is easy to harvest after a high tide as there is lots of dead stuff.  It doesn't have to be alive like for eating, it can just be what washes ashore.  He'll need to lose some weight, though, to be agile enough to do much of that. 

One day it would be fun to go for geoducks, (prounounced gooey ducks for non-coastal Washington and Oregon people), which I believe is the biggest of the clams in the world.  We'd have to buy a clam gun, though.  Which isn't an actual gun, but you can look that up if you are interested in knowing what it is.  It would be useful for other clams, too, but I'd have to look up the regulations on that.  It might be allowed only for geoducks.  My son would have to do the actual getting down in the sound and sticking your arm down the hole the clam gun leaves, but he says it sounds like fun.

I've been reading and thinking about growing my own peppercorns.  The same plant produces white, black, pink, green, and red peppers.  It depends on the level of maturity of the peppercorns.  It can be grown indoors, so I am thinking of trying it in a pot this summer that can be brought in when fall starts.  That may have to wait until next year.  The next time DH goes out fishing or prawning, I will have him bring back a couple of gallons of salt water as I want to try making salt, too.  As many spices and herbs as I can grow or forage, is what I think.  Has the salt shortage hit your grocery stores yet?  I have a good amount in my preps, but I want to know I can make it.  My food storage may be great, but I can't think how miserable it would be without herbs and spices to season it with. 

I have decided the family is going to eat like me or fend for themselves.  We all need to lose weight and this is how it is going to be.  I'm sick of their bad food habits dragging me down every time I try to get my diet under control.  I won't buy junk.  My son is on board.  The others are paying it lip service.  We will see.  I don't want to fail this time.  I can't afford to anymore.

Today was a beautiful day and 55 degrees F.  I did take a short walk out to the garage and back.  It doesn't sound like much, but it's a start.  Maybe tomorrow I can do to the end of the driveway and back, weather permitting.  That's even longer.  I know that sounds sad, but for someone with two deviated discs in her lower spine, it's a lot of progress.  And I'm back to no cane.  So yay, me.

Also, I noticed the garlic was up about 3 inches and last week's snow didn't seem to do it much harm.  It was only here a day, though.  It looks like every single bulb I planted came up, so kudos to Fedco (for the Music garlic) and the grocery store (for the elephant garlic).  There are only a couple of weeds in the raised beds, which I will pull next time I go outside.  I didn't want to get my hands dirty and my garden gloves and shovel were on the porch.

I need to think up a meal plan with this new diet.  Good, healthy, tasty food that doesn't make us feel like we are giving anything up.  Tonight's dinner, at least, I know.  Rib steak, yellow potatoes, and green beans.

Our IRA is back on the verge of $13K when it had fallen to nearly $12K and our 401k is on the verge of $59K, which it has never reached before.  The new total for retirement is $71,759.98, raising it by $600.21.  It still has lost so much this year that that doesn't make up for it by a long shot, but at least it hasn't eaten the whole of the last deposit made.  That changes net worth to $129,885.47 on the verge of $130,000.  If all goes well for the month of March, maybe things will continue in this fashion and we might actually see a positive rate of return instead of this monkey business.

Washington state is officially lifting the indoor mask mandate on March 12th. The outdoor in large groups mandate lifted on the 18th.  DH went to a restaurant for a work lunch meeting and no one, including the employees were wearing masks.  I don't know if the grocery stores will jump the gun like that, but it is nice to know that I will soon be able to do the grocery shopping again.  Masking messes with my asthma severely.  Hopefully I will be well by March 12th!

Of course, I don't think for one minute that they won't try to pull the rug out from under that, but if it does happen, I will be so happy.

I got my seed starting kits in the mail, so I can start planting seeds this week.  I only ordered a small amount of seeds this year, because I ordered a lot last year.  I'm trying a few new things, a Korean pepper, a little finger eggplant, and dill.  It always sucks that when the cucumbers are ready, but the dill isn't, or vice versa.  And it seems like you can only buy the fresh dill (not the little packets), the cucumbers are mostly done.  So I will grow my own.  I got the kind with the big bouquets.

Mom wants us to take down the deck in the front of the house.  It's not made of wood, but some kind of imitation decking.  We are going to use it to build a long raised bed, probably 16 feet by 4 feet or 2 8 x 4's.  But I want it 3 feet tall, too, and I want to put my strawberries in it, so I can then easily pick while standing.  The strawberries are also in a place that gets so much sun they get scorched and no amount of water helps them, they barely stay alive.  Plus it hurts my back too much to stay hunched over to pick as many berries as we get, for as many days as we get them. 

I'll have to use a lot of dirt, but in the long run it is better for me to be able to continue gardening.  I'll hugelkultur a bit and add all the trimmings to the bottom, like the roses and the raspberry and blackberry canes that need to be trimmed.  Also the apple tree and blueberry bushes need to be trimmed.  And we still have a bunch of compost in the back that can go in.

I'm not sure if we will have enough deck to build a second raised bed or not.  Maybe a smaller one.  But we can use the balustrades to build the arbor that will make the garden gate.  I think we have enough to do two of them, so one into that main garden and one into the smaller garden, and then fence it up.  I feel good about being able to recycle so much.  There will be some trellises that covered the underside of the deck.  We might use that on the outside of the raised bed, just to pretty it up.  When we can get away with reusing so much of what we already have, and only adding the cost of screws it is a major win.  It might not even take the cost of screws if the deck was put down with screws.  If it was put down with nails, that's another story.

We'll be taking down the rabbit shed sometime this summer.  We should be able to reuse the plywood on the end walls and the roof, but the floor is not useable at all.  We'll have to see on the back wall after a lot of pressure washing.  But the 2 x 4's in the walls and ceilings look good and there will be either 2 x 4's or 2 x 6's, I can't remember which, for the foundation.  With the cost of wood being what it is, every good piece of lumber is a piece worth saving and reusing.

It'll be a lot of work to be frugal, but the work has to be done anyway, so if it can build more beds, then that is the work we will put it to.

When we run out of the huge side yard and back yard, I'll start eyeing the front yard.  There are some narrow places off to the side that we could put a bed or two in.  It would  be hidden from the road going one direction.  and harder to see because of the bushes coming from the other.  But it gets 8 hours of sun.  And even when we planted zucchini and yellow crookneck squash by the road the one year, no one seemed to steal them, or at least not that I noticed.  There was still plenty if they did.  Anyway, that and the skinny side yard can't be planted until we do some French drain work to try to keep the basement from flooding during big storms.

It may take a few more years to do what I want to do fully, but by the end I'll have a fully handicapped acessible garden, so if I need to use my walker, I can, and if I end up in a wheelchair one day, I still can garden.  We might have to take a layer off one of the planned 3 foot tal beds to do it, but that will still be doable.

I had a setback at physical therapy last week.  He tried to put me on a machine I didn't think I was ready for and it ended up hurting my back and hip so badly that I started crying.  I won't be doing that machine again.  I will insist on it.  I had been doing so good up to that week.  I was walking without my cane most days of the week.  Now I've had to use it even for short distances like the bedroom to the bathroom.  It is so frustrating.

I ended up cancelling my next PT appointment on Tuesday, partly because I am still in such pain from the machine, but mostly because DD has bronchpneumonia, which is the worst type of pneumonia you can get and also the most rare, I believe they said.  I got my info secondhand because DH took her to the doctor for a car appointment, because we knew her lungs needed to be listened to..  I was too sick to go, but I don't have pneumonia, the flu, or Covid, I was checked for all, but they gave me antibiotics because of how long I've been sick and they do seem to be working.  DD can't be left alone and DH has a bunch of meetings that day.

I have to call the doctor tomorrow, because they only gave DD a week of antibiotics and she is not any better and tomorrow is her last day.  I worry she'll have to go to the hospital and I won't be able to see her.  She does not do well with withdrawal from the family due to her anxiety and one of her illnesses needs her to stay calm or she'll burn through her cortisol and have to take more prednisone and she already has to take so much just to stay alive.  In normal times we could have someone with her in shifts during the day, but now they won't let you have visitors at all.  Not that I'd be able to go being sick, anyay.  So I'm just really worried about her overall and stressing if she has to go in.

Nothing financial has happened since payday.  DH worked ten hours of OT last week and is due to work OT this week and the next.

I added some items to mid-term food storage this week.  2 cases of tomato sauce, 1 case of pineapple, and 25 pounds of flour.  WE will be freezing that for a bit and putting it into Mylar, sealing it, and into a bucket with a gamma lid.  I can't find whole wheat flour anywhere.   Costco was so low on everything.  No French fries, no frozen broccoli, no pasta.  And limits on meats.

We still have over half a steer, part of a lamb, not nearly enough chicken, a bit of turkey, some frozen salmon and spot prawns, but almost no pork in the freezer.  What we do have is bacon, one bag of pork chops, and a ham or two, so we'll be okay for a while.  Our potatoes are starting to sprout, but we still have about twenty pounds that have not.  Potatoes are getting a bit hard to find and there is a 2 bag limit.  I do still have some canned, but we won't make it until the next crop is ready.  I have some winter squash that we can eat after the potatoes run out, but only four.  And there is always rice.  We have a lot of that.

I'm not happy with what I am seeing at the grocery stores at all.  Prices and quality wise.  Stuff that would never have made it onto the produce shelves a couple years ago are now the norm.  There are bruises and brown spots and even outright mold.  And these are not bargain stores, these are regular stores.

We still haven't had our new freezer come in.  I really hope it does before harvest season.  I want to be able to freeze strawberries, plum prunes, carrots, zucchini, broccoli, cauliflower, bell peppers, hot peppers, onions, and blueberries at the very least.  Corn, if we decide to grow it, since it tastes better frozen than canned.  But I won't give up room from meat for it.

I'm worried, but I am doing everything I can to be prepared.  If things get bad enough they will start limiting food purchases.  They're already limiting on chicken and some canned goods, beans, and rice.  Who knows what will happen if these things in Ukraine and Taiwan escalate?  If we enter into a war, we could see actual rationing again.  I want to be stocked enough that it isn't something I have to worry about.  I'm generally not this much of a worrywart, but these times they are a changing.

Well, we can start right off with saying that my no eating out for February has been an absymal failure.  I just cannot seem to stay well.  I'll get a day or two where I think I'm on the upswing and then I'm right back down again, exhausted and back in bed and unable to do anything about cooking meals at all.  DH does a couple a week right now, but he's up to his eyeballs in overtime, so otherwise it's takeout as no one is well except DH and he's dragging.  It's a good thing he can work from home.  so takeout it's been.

I just want to be well so that I can cook my own food again.  So that is why the Citi card is so high again.  It feels out of control, but we still pay it off in full every month.  It kind of makes me sick all on its own, because it is so high.  But some of that was birthday stuff that is being reimbursed by MIL, since it was for what she got me.  Then she gives us $120 a month for takeout because that is how much she spends on DH's sister and husband each month.

I just added that in and then I figured out when exactly the long term care insurance started coming out of the account and it wasn't until the first of the year, even though I'd been deducting it from checking since June when it was supposed to start coming out, so I put that money back as available to use.  Then there was a refund from last year's HSA of $1.43, so those amounts added up to  $662.40.

I added that to the budget, but the tithe will only reflect the amount of the actual paycheck, which I don't think had any overtime on it, but will have to check with DH for sure.  The next one definitely will.  This one would have but he kept having to take time off to run us to doctor's appointments or be sick himself for a couple of days.  Anyway, as a reminder I run a $0 based budget, where every penny is assigned a job.  Here is what I spent.

$301.63 Tithe

_400.00 Grocery Envelope

_500.00 Medical Fund

__75.00 Household Envelope

_100.00 Gas Money Envelope

_1974.06 Citi

__78.82 Life Insurance DH

__60.46 Life Insurance Me

___0.00 Spending Money Envelope DH (he already spent it in January)

__50.00 Spending Money Envelope Me

__60.00 Allowance DS

__30.00 Stipend DD

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

3678.68 Total Money Out

Our 401K has started to creep back up, but our IRA is all over the place, but mostly not recovering or going down on average in a week.  Still, it's overall, better.  It's up to $71,159.77, which is a rise of $525.77.  That brings net worth up by the same amount to $129,285.26.

I feel uneasy about how much we have lost this year.  Our income on the 401K is -4.42%.  On the IRA it is -5.16%.  Not numbers that make me feel all warm and fuzzy.  But we're holding.  We either wait out this administration or we hope that something changes at the midterms that opens American oil back up.  Closing it down so much is what is causing a ton of this economic turmoil and inflation.  I've seen it before twice in my lifetime.  You may not agree, but that is my experience.

Turning Covid from pandemic to endemic and opening the world back up would also help a lot.  We are going to have to just live with it like we do the flu eventually.  It can't stay this way forever.  Esepcially when politicians and celebrities flout the rules at super spreader events like the superbowl and fundraisers.  Either we all wear masks or no one does.  And since they won't, there is not much point for us to keep it up unless we want to.  Being vaccinated has not stopped me from getting it and spreading it to my family who is also vaccinated.  Twice.  But at least we didn't die.

I've got to get my 3rd booster scheduled though and for the family as well.  Just waiting out the dregs of this head cold so that we are all healthy enough to do this.  Might have to do it separately as one person gets well.  Otherwise, I'm not sure how it will get done.

It's a little scary seeing Canada turn into a facist regime.  Real facist, not "I don't agree with your politics so I will call you a facist" facist.  The livestreams are scary at times.  But that's all I will say about that, because if I start spouting off on what's going on in Ottawa with that sorry excuse of a PM, I'll never stop.

My MIL gave me a mandolin for my birthday on the 12th (I'm 52 now) and I started practicing yesterday.  I can do a G chord, a C chord, and a D chord.  Yesteday I got the fingering down and today I got the switching between chords down.  I have no calluses on my fingers, because the only instrument I've really been working on before this is the bass and tenor ocarinas, so I need to build up those again.

Tomorrow I will work on my speed, but it sounds good and isn't too hard to tune.  I like it better than the strumstick (mountain dulcimer) which only has four strings and was always falling out of tune.  The mandolin has 8 strings, but they are double strings so the top two are both G, then the next two are D, then A, then E.  It gives it more depth of sound, like two people strumming in unison.  It's strung like a violin note wise, which I have played for years.

It's a good little instrument for a beginner's instrument.  And a gorgeous cherry red with black edges.  If they had made a blue one in the price range I would have gotten that, but that was only in the professional level and that is $1500, not the $139.  Mine does have the stuff for plugging it into an amp, too.  We don't have one, though, and I just want to do acoustically anyway.

I love being able to play music.  It gives me something to do when I'm bored or, like today, when the power goes out for 1.5 hours, because some teenager in an SUV tried to run a red light and got plowed into by a Hummer and got knocked into a power pole, because the intersection is not 90 degree angles, it's off by quite a bit.  You could hear the crash from my house a couple blocks away.  My son went to be a looky-lou.  No one was hurt bad enough to go the the hospital and the Hummer isn't too bad off.  The SUV did not fare so well, but the speed there is only 25 mph.  It could have been worse.

My other gift from MIL was a turquoise 3 cup food processor, for when I don't want to pull out the 8 cup one.  This one is a lot lighter weight and easier for me to move by myself.  I can't lift much weight with this arthritis without dropping things.  It'll be nice for mincing a pound of meat fine.

DH gave me a teal leather ottoman for me to use under my desk.  It is gorgeous and has a storage compartment in it.  I needed something to put my legs up on when they fill with fluid, so this does the trick nicely and it has a good amount of padding on top so is really comfortable.  My mom doesn't give gifts anymore.  The kids are working on something, but didn't have it ready.

Today I finally had physical therapy again.  I haven't gone since November.  Then I got the flu, then we had snow that made it impossible to go anywhere.  Then I got a head cold.  And now I'm back among the living.  We did an assessment.  He said my range of motion has improved a lot since the beginning.  Pays to do your exercises even when you can't go in and are sick all winter.  I also took DD to her doctor's appointment.  We will be billed for these appointments, as the deductible has to be met again.  But we have $3000 on the HSA debit card again, plus a couple hundred that rolled over from last year, so we are using that.

I'll likely be the first one to meet the deductible as I have already had $1400 just for me, $1003 of which was for my arthritis shots, which at least seem to be working for now.  It's completely covered once I max out my personal deductible.  Or we max out the family deductible, but I will max out my own before the family contributes much.

Once DS is over his head cold we can start the process of taking him to the orthodontist and getting braces.  Fun for the whole family.  I have $6000 saved for it and no insurance for it.  So hopefully it won't cost more than that.  The last time I paid for braces it was $3000 for us and $1000 for the insurance and that was when DD was ten.  Has anyone done braces lately?  Especially Invisalign?  It'd be nice to get a little bit of an idea.  I know it varies by location, but ball park is fine.

I have to get a new mouth guard made since mine has cracked after 15 years, but that is only $400 and I've almost saved up for it.  I'd like to get another pair of orthotics made so I can use the old ones in my garden shoes and not have to switch them out.  That won't be until I save up for it after I finish saving for the mouth guard.

Oh, and I had a doctor's appointment with my regular doctor last week and he raised my anti-depressent from 50 to 75 miligrams, raised my gabapentin for nerve pain from 1500 mg to 1800 mg, and doubled my blood pressure medicine to 100/25.  I can feel it making a difference already.  I'm not retaining near as much water and I don't feel dizzy every time I stand up.  So here's hoping that was the problem.

I found two pennies today.  It's the first money I've found of 2022.  I stuck them in my coin jar.  Every penny counts.

We finally hit our six month's expenses with yesterday's deposit into the emergency fund.  I really felt like we would never get there.  It takes a huge load off my shoulders.  I will probably slowly work on rounding it up to $21,000, just because I like round numbers, but for now, we have done it and I am so happy.

$20,212.21 Starting Balance

+__,310.49 Amount Added

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

$20,522.70 New balance

This brings our net worth up to $129,069.98.

Future EF goals, after we save for some other things, will be $42,000.  But we've got a lot of other stuff to prepare for otherwise, like finishing the garden.  One thing I want to do is slowly bump up retirement savings.  We are currently contributing 16% of income to the 401K, and I am decideing whether we want to continue to slowly bump that up, or just save some money up and open a spousal Roth IRA for me.  We've talked about it before, but were never in a place to do so.

I guess we will figure it out as we go.  For now, it feels fantastic to have the second huge goal in our lives accomplished.  The first one was paying off debt.  Hitting milestones I never thought I'd hit when I started is amazing.

There was a ton of overtime this payday.  I think DH said he worked 19 hours, so there's a lot more money than usual.  We had an out of the norm expense with mom asking us to help her pay for home owner's insurance.  I'll create a sinking fund for next year, of $34 a month, so it won't be a surprise unless it goes up. 

We spent far too much money last month on take out due to the flu hitting us hard.  As a result we are doing a no eating out challenge for February.  We really need to cut out using that Citi card so much.  Next payday will also have a sizeable payment to them.  DH doesn't get any spending money this payday or next as he made a $100 purchase on the Citi card.

As a reminder, I use a $0 based budget, meaning every dollar has an assignment, so here's how things went down for this paycheck.

$415.03 Tithe

_500.00 Utilities

_400.00 Grocery Envelope

_500.00 Medical Fund

__75.00 Household

_122.23 Internet

__70.00 Garbage

_167.00 Car Insurance Sinking Fund

__50.00 My Spending Money

___0.00 DH Spending Money

__60.00 DS Allowance

__30.00 DD Stipend

_400.00 House Insurance

_310.49 Emergency Fund

_950.54 Citi

_100.00 Gift Fund

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

$4,150.29 Total Money Out

In my quest to make February a month of no eating out, I will be meal planning again.  I started by picking out my main dish or main meat and built my meal plans around that.  I wanted one fish meal, 2 beef, 2 chicken, 1 pasta, and 1 pizza, so from there I filled in the rest based on what I have in my fridge, freezer, or jars and cans of food.

Day One--Pizza with pepperoni, Canadian bacon, prosciutto, onions, and bell pepper (if we have one, I have to check still, but I think we do, or will use frozen), served with a salad

Day Two--Salmon (stuff we caught during the summer), fried potatoes from our home grown potatoes, broccoli

Day Three--Beef Pot Roast (from our steer), Mashed potatoes from our home grown potatoes, green beans (home grown and canned)

Day Four--Baked Penne with sausage, tomatoes, onions, sauce and mozzarella cheese, salad

Day Five--French onion chicken, cole slaw

Day Six--Steaks (from our steer), French fries, broccoli

Day Seven--Fried Chicken, mashed potatoes (from our home grown potatoes), green beans (home grown and canned)

Now to see if I can stick to it.

Not very likely.  DH decided to check up on the freezer we ordered that was supposed to arrive this month, and surprise, surprise, it has been delayed until May now.  I am losing all hope of ever actually seeing this thing.  DH asked if the employee thought it would really come in March and he said nobody really knows.  Supposedly they are supposed to be getting in some brand I never heard of "soon," whatever soon means.  It's called Midea.  From what I've seen the 21 cubic foot upright has good reviews, but again, it may also never actually arrive.

I am done with this pandemic and how it is affecting the supply chain, shipping, and trucking.  We really, seriously, need to go back to building our own stuff in our own country.  It would have curtailed a lot of this having to wait months to a year for new appliances if we'd never moved our manufacturing bases to other countries.

My goal for now is to eat down everything that is in our mini-chest freezer, so we can at least get half a hog.  While I could fit a whole hog in the mini-chest freezer, we do need to have some room for fish, crab, and prawns once the different seasons start up.  Meanwhile I am keeping an eye out for used upright freezers.

We are still working through our chicken freezer stash, but I can't imagine that's going to last more than two more months.   I don't like what I'm seeing on chicken availability.  Or pricing.  I don't think I have the ability to raise meat birds anymore, either.  I know it is only an 8 week committment, but they are a lot of work if you don't have room to put them out in tractors.  Since most of our land is going towards garden space, we really don't have the space to give up to chickens.

Since my January pantry challenge crashed and burned due to the flu, I am doing a no eating out challenge for February.  I want to keep a handle on that, because it is my greatest financial weakeness.  It is just too easy to let money fritter through our hands when we get takeout as much as we do.

DH gave me the amount of tomorrow's paycheck so I was able to finalize the numbers for the budget for this payday.  There was a lot of OT on it.  There will be some on next time's paycheck, too, but doubtful it will be to this extent.  Internet went up again, so I changed that on February and March's spreadsheets, which were as far ahead as I've worked, and then changed it on the 2022 Budget Template as well.  I will also be adding line items to the budget for sinking funds for our yearly portions of property taxes and home owner's insurance, $25 and $34 per month respectively.

We have also finally convinced my mother to put out weekly trash cans instead of every two weeks and then having to call for an extra can at least once a month, so that will go up a bit, too.  Since there will be a lot of stuff to throw away for the next several weeks as we clean up the back porch and clean out the garage and then tear down the rabbit shed we will be filling the cans with a lot of stuff.

Some stuff  we will save, though.  All of the studs out of the rabbit shed will be saved and pressure washed down.  The roof's 4 x 8 plywood sheets look salvageable and possibly the side walls, but not the back and front walls, I don't think, or the floors.  Depends on whether there are weak spots or spots with too much moisture damage.  The window framing is also made from 2 x 4's, so those may give some salvageable wood as well.  The cost of lumber is too expensive not to conserve what we have available to us.  And we have always been ones to reuse as much as possible.

We may be able to build some garden beds with it.  Any raised beds built out of it won't be in the main part of the garden, though, as we want all that to look uniform with the cinderblocks, so long as the cost of cinderblocks doesn't go up to high.  We shall see.

I don't know if I mentioned before, but we are going to get grass-looking astroturf to go between garden rows as we can afford to do it.  I am done with fighting weeds all the time.

I just hope after putting all this time into the garden this year, I'll actually have space to store frozen vegetables.  I will can a lot of root vegetables, but some things are either not cannable or are just better frozen.  My goal has always been to freeze enough zucchini, cauliflower, and broccoli for a year, but I still do not have the freezer capacity to do such a thing, so zucchini is my priority this year.  I don't want to be beholden to grocery stores anymore than possible.  The shortages are getting a little scary here and the produce is not best quality.  Growing and preserving as much as I can is the biggest thing on our agenda.

Interest hit today and it was $4.59 at the online bank, and .07 at CU#2.  CU#1 only pays out quarterly.  So a total of $4.66 in interest, so that goes to the Emergency Fund, bringing the new total there to $20,212.21.  That leaves $310.49 to go to hit 6 month's expenses.

Retirement is starting to creep up again to where it was, but is still $342.72 short of that, putting it at $70,634.30.

That means the NW has gone up by $4.66, but down by $342.72, so the new net worth is $128,759.49.  Still nothing to sneeze at, but still depressing to see it going down and eating any money you put in every payday.  I know I am getting more stock, but I want more stock and good prices.

Let's hope that fire at that fertilizer plant in North Carolina does not make the markets implode in the morning.  I feel really bad for those that lost loved ones and probably their primary bread winner.  Plus, losing a fertilizer plant when there is already a fertilizer shortage, is going to mess with the farmer's and the food supply, which is already pretty screwed in many places.

If you're growing a garden this spring for your own family's food, go get your fertilizer now, because once the chemical stuff goes, they'll be swooping in for all the organic fertilizers like bone meal, blood meal, and fish emulsion and you won't be able to get it.  And no one wants to go haul rotted horse manure from the local stables, even if it is free.  Not that we won't.

I got a notification from Costco's Citi card today saying that the amount I earned this year was $566.68 and that it will be available in February, so expect an email soon.  They also said that this year you can direct deposit the amount into your checking account instead of having to go to Costco in person to cash it out.  This is so much better.  I hate having to go to Costco to do this, mostly because they seem to change the rules everywhere of where you cash it out and asking doesn't help, because no one really knows until you try then they tell you, oh, we can't do that here, you have to go over there, and then they say somewhere different and so on.  This will save worlds' of frustration.

The plan will be using that towards the garden.  We never got around to building our third garden bed last year, and we have the supplies for that, but we will need supplies for a couple more garden beds, plus I want to buy some astroturf that looks like grass, not that artificial bright green stuff, to go down on the rows between the raised beds.  I don't want to deal with weeds in the pathways.  It'll take somewhere between $80 to $90 per row.  Which seems like a lot, but will be many years worth of weed control.

Mom wants help on the property taxes and the home owner's insurance.  She'd like us to pay half.  Since it is senior rate for the property taxes that is only $300.  Half of the home owner's insurance is $400.  That's for the whole year.  DH is making book on overtime right now and will be for a while yet, so it won't ruffle the budget.  We feel it's fair as it does cover our things as well.  And also we don't pay rent to live here.  We take care of Mom, take care of the house, take care of the property, and pay the utilities.  It's still way less than we would be paying out in the real world.

We are looking for an elder law lawyer so that we can set things up for my mother.  I have been her medical power of attorney for several years now, but she also wants to make me her financial power of attorney.  And she wants to figure out how to pass the house to us in the best way possible so neither of my sisters can make a claim on it after she has died.

We have agreed to take in my eldest sister when the time becomes necessary, which is when she decides to stop working, but she plans to keep on as long as possible.  She's 11 years older than I am and her hip is giving her problems so who knows?  We get along with her, even though Mom doesn't, and there will be room once Mom passes.  Mom might leave a little money to her if she has something left.  If we were to ever sell the house, we would give her some of the proceeds.

And my middle sister is already set in a home with plenty of money, with life insurance set up, and Mom doesn't want her to get a dime because she never visits or helps after surgeries, uses Mom for what Mom can do for her, expecting Mom to drive great distances (they moved further away two years ago) for an 82-year-old, instead of her coming here.  It's been so disgusting, the way my middle sister behaves.  Mom made the choice not to go see her anymore or do anything to help her due to her selfish, using behavior.  Which honestly, she's had her whole adult life so I guess it has just taken my mother this long to see it.  It has always infuriated me.  It has just hurt my mother so badly.

I do not get how you can just abandon your elderly mother like that.  She doesn't call, doesn't send cards on her birthday or at Christmas.  Just ignores her.  And Mom has done so much for her, to be dismissed like this is just horrible.  But middle sis is a narcissist.  My mother can be difficult and she can drive me crazy sometimes, but I could never abandon her and not care like that.  I can never understand why she turned out so differently having been raised the exact same way.  Oh, well.  I can't see ever doing such a thing to my mother, or to my eldest sister.

And even though middle sis has chosen not to be in our lives, either, if her husband dies and none of her four boys would take her in, and she ran out of life insurance money, I'd still figure out something, though it wouldn't be living here, because I have seen her true colors for years and don't want to be around her either.  But family takes care of family.  That's just what you do.  Or maybe that's just what I and my husband do.  Maybe we really just are that different.

I've set up my budget for February and started on March and want to get one set up for April.  April will be a three payheck month, and I want a plan going into it.  And because one of the payday's is on the first it will mean that the last paycheck in March won't need to pay some things it would usually be scheduled for, because the stuff comes out of checking on the 1st or the 2nd.  Sometimes as late as the 7nth if someone drops the ball somewhere.

We are thinking about switching life insurance to AAA, because we can get an additional $50K $8 a month more, than with Allstate.  Allstate is also selling our policies to somewhere else.  The reason we had them was we wanted a local office, so I don't like this.  And who knows what they might raise it to.  We also have some life insurance through his work, but that goes away after he quits working.  I also want to look at the life insurance offered through our credit unions.  It's like $2000 for $1 a month, you just have to fill out the paper work.

I also want to look into getting car insurance with AAA and see if it is cheaper.  Our Allstate office is changing hands and I don't really like it.  Especially the selling off of the life insurance policies.  If we have to deal with non-local people, we might as well do that elsewhere.  I hate change.

Well, maybe not all change.  We started DD on edibles a couple of weeks ago and the change has been amazing.  She is much more able to deal with the pain because it takes the edge off and she is also able to focus, so she is able to read and paint again, and her mood has been quite lifted.  The one she is taking derives its THC from the hemp plant and not the marijuana plant.  I even tried it a couple of times when my nerve pain was off the charts and it really helped.  I mean, you definitely couldn't operate heavy machinery, nor should you, for 12 hours, but it has definitely made a difference.  The dose is quite small, but wow on the pain management.  I never would have believed we would ever be doing this a few years ago, but when pain is so vicious and violent, you change your mind on a lot of things.  Plus, you know, back then it wouldn't have been legal.

Woman Within cancelled my winter coat order after mutliple delays.  I guess they can't get what was supposedly in stock when I ordered it.  And that is the problem with having your manufacturing in China instead of the USA.  But that's whole 'nother bucket of worms.

I am so anxious for my freezer to get here.  I know it won't be until February and we still don't know when in February, and something could go wrong with shipping just like it did with the coat, although I think GE is made here.  It used to be, anyway, just not sure if it still is.  I just feel this need to get more meat in the freezer.  I'll feel alot more food secure with a whole hog and about 3/4 of a steer still in the chest freezer.  Then I can work on chicken and then start saving up all over again for a steer.  And in the summer, we will go fishing/shrimping/crabbing for our seafood.  And also in the summer we harvest and can and freeze as much produce as we possibly can.  These food shortages are getting scary and I don't want to deal with sky high prices on the stuff that is left.

I don't have anything on the schedule tomorrow.  Maybe I can get those spot prawn shells made into bone broth in the pressure cooker and get it canned.  That'll clear out some space in the below fridge freezer.  I might even do onion skins with beef bone broth as well.  We have lots of bones and soup bones and onions skins in the freezer for that and I really want beef and onion broth for making French onion chicken and French onion pork chops.

I can always get out the huge All American canner as it can do 3 levels of pints if I decide to make both.  But I'm not sure I want to tie up both my Instant Pots making broth.  It depends on how early I get up in the morning.  Broth does not take that long to can compared to most things.

Well, this has gotten super long, so I'll sign off for tonight.

DH had some overtime on this paycheck, so I still don't know what a normal paycheck is with the new rate.  And since he will get overtime on the next paycheck as well, I don't now when we'll know.  Hopefully the overtime will help us pull ahead and we will be very careful with our spending.

We also had a FSA reimbursement check for last year come through, so that is added in.  There will be some more of those coming, upwards of $500.  I went ahead and dumped that into the medical fund.  I also had $7.68 sitting in checking that I had meant to send to the EF last payday and forgot to do so that went with the rest of the payment to the EF.

$353.35 Tithe

_400.00 Grocery Envelope

_619.00 Medical Fund

__75.00 Household Envelope

_100.00 Car Maintenance

_800.00 Citi

_310.00 Monthly Chiropractor Family Plan

__78.82 Life Insurance DH

__60.46 Life Insurance Me

__48.71 Long Term Care Insurance

__50.00 DH Spending Money

__50.00 My Spending Money

_528.46 Emergency Fund

_100.00 Gift Fund

__56.21 DS Allowance

__30.00 DD Stipend

$19,679.09 Starting Balance

+__,528.46 Amount Added

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

$20,207.55 New Balance

That means I have $314.25 left to go to hit my goal of six month's of expenses or $20,522.70.  It is so close!  I am budgeted to hit that on next payday, so that is exciting.  Then I can start saving up for other things.  I will probably continue to put a little into the Emergency Fund after that, maybe $100 per month (or maybe per payday) until I eventually, over the long haul, have one year's worth of expenses saved, but for the most part that will be a background thing, not a strive hard for thing.

With this networth has gone up to $129,097.55, although not really because retirement sucks this week.  I won't be doing a retirement update until it gets out of freefall.  I so miss 2019, 2018, and 2017.  This pandemic needs to have it's butt kicked out the door.  Every time Biden opens his mouth the stock market tumbles.  I'm so done with this president.  I gave him time, but nope, I'm done.  With food and gas prices off the chart, with what he has done to the oil industry, and with food shortages everywhere, anger is rising in the people here in my blue state.  And with his favorability rating at 31% and dropping, I am definitely not the only one who is done with him.