Lucky Robin's Personal Finance Blog

The mortgage payment hit the account today. New total is $13,943.05. $10K seems so close. Maybe I was wrong. Maybe I can get excited about paying down the mortgage.

As for tax return, it's a waiting game. 2 more days supposedly for it to hit the credit union. Not that that stops me from checking! I've spent so much of 2013 just waiting. Patience is clearly not a virtue that I am particularly acquainted with. In fact people used to tell me to be patient and I would say, "I don't do patient." I still don't, or at least not very well. You would think with all the practice I've had I would be better at it.

If I can swing $1600 a month the mortgage would be paid off this year. But I don't know if I will do that, because I really do want to build the EF up. Maybe it's not all that necessary with the amount of work there is for DH right now, his job security is pretty high. But I'd feel better with at least $10K in the bank.

I received the $5 Amazon gift card from Swagbucks I sent for at the start of the month. I now have $90 of GC's built up in my account.

I will need another 90 points at ACOP to cash out for a $10 check. I almost made it the other day, but the survey got really weird. It was normal at first, asking things like whether or not I was going to buy a car in the next five years and what brand of peanut butter I use. I figured it was one of those surveys they do to figure out what survey offers to send you.

But then it asked if I was planning on buying any guns in the near future, which okay, maybe for a sporting goods store. They've had surveys for REI and WalMart in the past, but never really on gun buying habits (of which I have none).

It was the following question that made me back the heck out of that survey and close it down. It was a detailed list of government officials and sources of news media and whether or not I trusted them. Now I'm not much of a conspiracy theortist or paranoid or anything like that, but in light of recent events, there was no way I was answering those questions. I mean, what type of gun do you want to buy followed by do you trust the president on down through the mayor? Waaaaay too Big Brother for me.

So I'll just have to wait a bit longer for a more apple pie type survey to finish off my points level.

I've got a lot of appointments this week, so I'm going to try to make dinners on the easier side of things. I need to bake today, though, both bread and rolls.

Monday--
Grilled pork chops
Fried potatoes
Canned green beans
Pear sauce

Tuesday--
Homemade pizza (ham, onions, bell pepper strips
Birthday cake

Wednesday--
Bacon cheeseburgers
Homemade fries
Cole slaw
Pineapple

Thursday--
Spaghetti and Meatballs
Canned corn
Salad

Friday--
Chicken
Sweet potatoes
Cole slaw

Saturday--
Braided chili loaf
Sweet potatoes
Cole slaw

Sunday--
Beef chuck pot roast
Mashed potatoes and gravy
Drop biscuits with choice of homemade jams
Canned green beans

Lunches this week are ham and spinach salads or wraps, chili, or meatloaf slices.

Breakfasts this week are lamb sausage and eggs, cucumber slices, and for DS pancakes and/or hashbrowns as well. He's almost 13 and the teenage boy appetite has now hit. Last week he was doing two pancakes, 2 eggs, half a plate of hashbrowns, and cucumber slices. I think he's visibly grown in the last 2 weeks!

Sometimes I worry that I will be at loose ends once the credit card debt is gone. I mean we've been in it for almost ten years. And I've been working hard to get out of it since I started blogging in April of 2006. There were ups and downs along the way as we added to and subtracted from the debt, but more or less it's gone steadily down.

And in a few days it will be gone. It's just been such a big part of my life for so long. I've had this goal, this huge, challenging goal that frankly, at times, I thought I was never going to meet. But now I am about to. And it's leaving me with an unsettled feeling, like maybe I won't be firmly focused and driven anymore.

I've got other goals, of course I do. There's college and there's the Emergency Fund and there's the van loan and the mortgage. But somehow I just don't feel as pumped about those things. Take the van loan for example. It's a lot and it's got a pretty low interest rate, but it feels "okay" because when I look out the window it's sitting there. It's tangible. And it doesn't bother me in the same way credit card debt does.

Maybe that's because credit card debt is so intangible. You are paying for the past, sometimes for stuff you don't even remember you charged. Okay, and I have scars on my body that remind of each and every medical procedure I went through, but that's it. The meals out, and hotel fees, and all the things we did to help the family get by while I was recovering, I can't see those as tangible. So I hated having it, this debt that seemed like it gave us no value after the original purchase. The van does give us value still and will for many, many years to come.

Maybe I just need to adjust my focus and make that seem as big a deal as the credit cards did? It's hard though. I mean how do you change that if it's ingrained like this? And with the mortgage, well, I dislike it, and it's so close to being paid off, but when the house sells it will be paid off and then we'll start all over again with a new house and a new mortgage, so how hard, really should I try to work on it.

College is a bit easier. DD is a junior and we need to save $7000 for her first year and $7000 for her second year at the local community college. I can see that as a tangible goal now. And if she follows the plan and joins the peace corp after the first two years before coming back to finish at the local university with a $7000 scholarship, we'll have plenty of time to save up for her third and fourth years and DS's first year at CC.

Investing in their educations seems both tangible and intangible at the same time. I don't want them saddled with debt, but at the same time part of me is wishing college weren't so darn expensive. Part of me is not wanting to decide between funding retirement and starting the kids off on the best financial footing we can. I just hope jobs are more available then, because right now I don't know if they'll even be able to work to help pay for school.

The Emergency Fund is what I really need to worry about the most though. I want it at $18,000 by the time we hit 2015. I want it double that by 2017. And sooner or later, we really need to start putting money into the 401K. DH's work doesn't match at all so part of me has wondered if it is even worth it. I suppose for the pre-tax dollars, but maybe it would be better to just save on our own. I worry about the stock market crashing again just as we get back into it.

The economy worries me. They fiddle with numbers so much to try to say things are better than they are, they print money that isn't backed by anything, and they say it's getting better out there, but all I'm seeing is people that have run out of their unemployment so they are no longer counted as jobless, but they still are. The lines at the food bank stretch longer and longer every week (it's near my daughter's school so I drive by it frequently). Food prices are higher, gas prices are higher, interest rates drop lower and lower on savings. Maybe I just think too darn much.

Maybe in another week I can refocus myself, figure out which things are really the most important. All I know for sure is that I don't want to start frittering our money away.

DH just sent me a thing that said our tax refund should be transferred to our credit union on the 13th. DH sent it in on the 3rd, so ten days. That's fast. And not long to wait, just 3 more days. Of course I already paid the Chase bill on Friday, bringing the balance there down to $5000. I did set up an online account with them, so I could pay it off right away, or since there is no interest being charged on that account until July, I could dump it into ING until the next statement comes or even collect the interest through June.

No, I dont think I have the patience for that. I just want to be done with all of the credit card debt. Can you imagine? After all these years, in less than a week, we will no longer have any credit card debt. I am excited about that. It took 10 years of concentrated effort since the first of seven surgeries. Now we are almost there.

And the rest of the money will be sitting in ING for a while. I won't be getting DD her MacBook until August. And I will decide what to do with the rest of the money when we get back from Disneyland in March in case we go over budget. Then definitely some to the EF, maybe $1000.

And maybe buy 1/4 of a beef from the ranch. We can order in March for August delivery. There's also a local place I'd like to look into that does pasture-raised chickens. I would probably order 20. It's a big upfront cost, but I'll be able to drop my grocery bill to around $200 a month accordingly for milk, produce, baking supplies, and wild caught fish. And I could save the difference for the next beef.

I know that we can fit 1/4 of a beef (about 105 pounds) into our small chest freezer if we empty it, and 20 whole chickens would fit in our beneath the fridge freezer and on the one shelf in the big freezer of Mom's that she lets me use. I still want to buy a larger chest freezer, but not until after we move. Since I used the money for the freezer to pay off debt, I'll need to start saving for it again.

I guess after the last card is paid off I'll start throwing some money at the mortgage. I'd like to get it down to $10K left. I can probably do that before it actually goes on the market. After a lot of work on the house this weekend, it's now looking like May before they'll be done. Honestly, it didn't feel like so much needed to be done or fixed when we lived there. We had to pull out the carpet and the pad. They had stapled the pad to the floor every six inches. It took some doing to get it up. And under the pad was linoleum, stapled along the edges, not adhered down anywhere, and the edges were hidden by moulding. I don't even...

I will never buy that type of house again. Too many shortcuts and too much shoddy workmanship, too much rampant stupidity on the part of the builders as well as the previous owners. Cosmetically it looked fine, but take off the makeup and I'm not sure how it ever passed an inspection.

Hopefully soon it will be someone else's problem.

Spent $32.41 on fast food tonight out of my miscellaneous category. Don't even ask. It was good though. At least until it hit my poor stomach. Won't be doing that again for a long, long, long time.

Say it with me..."Chicken nuggets are not food."

I added $7.59 to the coin jar.

Today was payday. I added $110 to the Emergency Fund bringing it to $1835.35.

Bills paid out today were:

$1000.00 to Mom
__100.00 to Chase
__757.82 to Van loan
__570.00 Mortgage
___25.00 Kids' allowances
___44.87 Phone old house
___72.56 Internet
__110.00 Emergency Fund
___19.00 Garbage (HT)
___72.00 Water/sewer (HT)
__100.00 Property Tax (HT)
__100.00 Propane (HT)
__100.00 Miscellaneous and Groceries
---------------
$3071.25

I also set aside $90 for physical therapy. Both the mortgage and the van loan had extra sent to principal. When the mortgage hits it will put it just under $14K left.

I need to come up with $64.65 this month to hit my EF goal of $1900 by the end of February. I added $13.03 to the coin jar, what was left of my miscellaneous money from last week.

I also filled up the van with gas, $49.79, but that went on the AMEX which gets paid off at the start of every month now.

Other than milk, I shouldn't have to buy anything for the next week.

DS needs new tennis shoes. His feet have grown tremendously. I will inherit his current ones. They are very nice Nikes that just happen to fit my feet. Hand me ups, I guess. I will probably get shoes for him next payday, not this one.

My first mammogram went okay. I don't know what I was being such a scaredy cat about it for.

I'm going to have a lot of medical expenses coming up. They will be billed to insurance first, but I know they will be coming eventually because of our $2500 deductible. I'm going in for my first mammogram tomorrow. I should have had it done when I was 35 since my mother is a breast canceer survivor, but I never did. Now I'm almost 43 and finally getting in there. Not sure how much that is going to cost, but any sort of imaging tends to be spendy.

Then on Wednesday I go in for my sleep study consult. Thursday I have my physical (I think, could be a follow up). Then on next Friday I see the physical therapist. After that I go in to the dentist on the 21st to get the temperary crown on the right side. And somewhere in there I'll probably have my actual sleep study done.

I think we'll definitely be using some of the surplus of the tax return to pay for some of this. Hope it comes quickly. Those who have filed so far seem to be getting them back pretty fast. I was really hoping to put more of it in savings. Life never really goes as planned, though, does it? I can make payments at the dentist, they are very good about that, but the others will probably need to be paid for when the bills come. At least we can handle it though. At least we don't have to put it on credit cards. We have moved very far in the right direction.

Or in this case the woman. The wind is still blowing here to the point that it made my van shake while I was driving today. I can hear it outside. It sounds like moaning and groaning. I'll have to use my fan on a higher setting tonight to block it out while I sleep.

I went back to the grocery store to get the stamps they forgot to give me. No problem at all since I had my receipt. I ran into my husband's aunt while I was there and had a short visit with her. I haven't seen her since last summer so that was nice.

I got the propane bill for the old house today. It was really high. I wonder if the workmen are forgetting to turn it down to 55 when they leave. I'll have to remind them, because this is a higher bill than any we've ever had out there before when we were living there 24/7.

This whole process is really dragging on forever. Now they're saying late April instead of March. *sighs* My mom is also pressuring us to put it up at $130K now. Last time it was $110K. I told her in no uncertain terms that we would price it according to what DH's uncle (the realtor) says it is worth and not with the idea that it's going to be any great sale that gets back all the repair money.

I honestly think we'll be lucky to get $100K. I wanted to sell it for $85K as is before all this repair work was done. I wish she would back off. It's not her house, it's not her sale, and it's not her money. I have told her to, but I don't think she is listening.

She's been really weird about money all around lately, freaking out about the gas bill and the electric bill (which we pay, not her) needing to be lower, yet insisting on using 60 watt incandesent lights in her end of the house (4 in the kitchen alone), leaving her TV on all day whether she is watching it or not, and keeping the furnace about 70 all the time. It's like she's got a bee in her bonnet and she won't leave it alone, but she's not willing to make any changes in her own behavior that lead to higher bills. Hopefully she will calm down again soon.

I think we all will be ready for the week long break in March when we go to Cali. I'm ready for some sunshine, that's for sure.

We had more dental bills come in. My crown is paid off, but this is residual stuff from DH and the kids that the insurance didn't cover, $233.90. I am thinking I should really reschedule my second crown until after vacation. It doesn't hurt anymore so I don't think I'm grinding on it at night anymore. Well, we'll see. My appointment is not until the 21st. Who knows? Maybe the tax refund will come in quickly and I can just pay it all up front.

I am glad that dental counts for the HSA, but I sure wish it counted for the $2500 medical deductible, because by the time I'm done here, I would have met over half of it. I suppose this is a very first world country problem to have. At least I can get good dental care and have dental insurance that partially covers it.

There is a particular person that is ticking me off big time on another site I frequent. Her behavior is very deliberate and she is doing it on purpose. I keep telling myself to respond with dignity and grace, to not let her get under my skin, and to be the bigger person. She is just wanting to get a rise out of me and if I give it to her, she wins. So I am being careful to be nice, but what I really want to do to her is play whack-a-mole. And I could. But I won't. Dignity and grace and kill her with kindness. And vent where she can't possibly find me.

It is very windy today, and was blowing like crazy last night. Even though the temp is 50 degrees F today, it feels cold because the wind rips right through you. You can get an idea from this photo how stuff is blowing around in the new grassy area we've opened up to the chickens.



The turtle sandbox that used to be the duck pond was flat last night and now it's on its side. There will be a fair amount of cleanup when the wind stops. Not many of the chickens are willing to be out today, but I can't blame them. I saw a gust of wind pick up poor Ecru. She does not like it when she's not in charge of her own flying, as you can imagine.

We'd gotten in the habit of collecting eggs a few times a day when it was really cold and they might freeze. Still doing it even with the warmer weather. This photo is from the afternoon haul.



The colors are a little off, but in real life they are medium brown, pale green, pale pink, pale blue, and pale brown. The green one is from one of the Auracanas and the blue one is from the Auracana/Bantam cross. It's fun to have a rainbow of colors. We do get some darker brown ones and some white ones as well as a darker pink with reddish speckles from time to time.

I had physical therapy today so I took a dozen eggs to my therapist and an 18 pack to the receptionist at the same office. The eggs really build up when DH is not here. He eats 3 to 5 eggs a day when he is home. Physical therapy was $90.

I stopped at the grocery store and bought milk and stamps, but she forgot to give me the stamps and I was distracted by the kids so I didn't think about it, so now I have to go back tomorrow and go to customer service and get the stamps. Pain in the neck. I don't need them until Friday fortunately. There are only a couple of bills I still mail because they don't have an option of paying online or their websites are so screwy I don't want to deal with them and I'll be sending those bills in then.

Not much else going on here. Just waiting for Friday to come so I can do more financial stuff. Oh, and I sent for another $5 Amazon gift card since I hit 450 at Swagbucks, thanks in part to a 40 point search. That's my new highest. The previous was 29.

I'm thinking of inventing a new game. It's called chicken hopscotch. The rules are pretty simple, just avoid stepping on any lovely presents the birds have left behind from the driveway to the back porch. Extra points for particularly balletic moves in twilight conditions. If you drop anything you were carrying to avoid it, the chickens win the game. If not, you do. Since we put the new fence up there haven't been any of these lovely bombs. Until today. Today someone clearly got out. My money's on Georgie. She's lucky she is my second favorite.

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I added 66 cents to the coin jar today.

I spent a couple of hours yesterday going over the budget and assigning items to the next three paydays. It is nice seeing a surplus after all bills are paid. It is nice knowing all bills will be easily met. It is nice knowing the money for vacation is right there.

I do not think I will buy parkhopper tickets until March. I am keeping an eye on ticket prices. Right now they have a sale on tickets from now until March 11, but they have to be used during that time period. I am hoping when March hits they will have another sale. The difference in price is about $200. We can buy them as close to the 15th of March as we want and just pick them up at the ticket booth when we get there. If not, oh, well. I figure we're still off season on March 16, but maybe not. All I can do is wait and keep checking. They didn't even have this special the last time I checked.

DH told me that Big Thunder Mountain will be closed while we are there for a major overhaul. I am bummed because it is one of my favorite rides. And the River Boat won't be running either. That's pretty much all of Frontier Land down. The pirate ship should be going though and the pirate island (used to be Tom Sawyer's Island) should be open.

The new Matterhorn cars look like they are better padded than the old ones. I hope they smoothed out the track so it's not so jerky. I will give it one try, but I will be very careful to protect my knee on it. That's the ride I bonked my knee on so badly the last time we went there and eventually it resulted in surgery. So the bobsleds get exactly one chance to prove they are worth it.

I ate something with BHT in it last night. I committed the ultimate crime for someone with allergies and did not read the label, because the last time I ate this item it did not have BHT in it. Well, six months can make a difference and I have spent the majority of today with my insides trying to become my outsides. Not fun. I hate puking. I also got hives. Benadryl would help if I could keep it down. I suppose this is what I get for giving in to a major salt craving.

I finally finished the book I was reading. It was good. It was called Last of the Breed and it's by Louis L'amour. I never, ever thought I would be reading a Louis L'amour novel because cowboy is not a genre I have much interest in. But this book was reviewed on a survival website I like to read for fun and for research for the novel I'm writing.

It was about an American pilot (with a Native American and Scotch bloodline) getting shot down over Soviet Russia and how he survived a year in Siberia. It was fascinating reading. I mean, I won't be purposely seeking out any more of his books, because again, I don't care much for the cowboy genre, but I can see why he sells so many books.

It was certainly a far cry from the two previous books I read, Changelings by Anne McCaffrey (1st of the second trilogy of the Petaybee series) and Catch Me by Lisa Gardner. Anne's books are always good. Petaybee is an arctic planet, so it has a lot of survival elements in it, too.

As for Catch Me, it was a fast read and a real page turner. I liked it, even if I found it predictable at times. Although the switching back and forth between first person and third person about drove me crazy. The premise was about a young woman who had two best friends. The first was killed on a certain date, and then one year later the second was killed in the same way on that same date, so the last woman spends the year learning how to defend herself and a couple weeks before the anniversary date of the deaths asks a cop to investigate her murder after she dies because she is sure she is next on the list.

It would make a great movie. There is some swearing in it, a light smattering of the F word, but nowhere near the distracting level of say a Tess Gerritsen novel.

DH went ahead and e-filed through TurboTax. It cost $30. I thought he was going to wait until tomorrow so he could get the interest from the final CU savings account. He just added $5 to our interest income instead. Which is over what it would have been with less than $500 in it at any given time at .1% interest for the year. Just to be on the safe side.

The final numbers made the return be a bit more than I expected it to be. DH was just guesstimating when he said $8500. The real total is $8903. Now if we're lucky, like Secretary Saving, we'll get it back within five days. And if not, we'll get it in three to five weeks.

I'm hoping it will come soon because I just want the Chase card taken care of and the credit card debt done once and for all. I will try not to drive myself (and you guys) crazy about it, but clearly there are no guarantees that I won't.

Hopefully this will be the last year we'll get such a tremendously large return. Last year and this year were because of medical expenses. I would really rather not have over $10,000 in medical expenses in 2013! Of course I have no idea what the sleep study will cost and if I have sleep apnea I'll have to buy the C-Pap machine which looks like they run between $600 to $1000. That will be completely out of pocket because of our $2500 deductible.

Maybe that will be what I use some of the tax return for. Well, at least we'll have the money to cover it if it comes to that.

DH took a preliminary run at our taxes. He is only waiting for the interest from one account. He will call on Monday to get it, but since that account never has more than $500 in it at any one time, it won't be very much. Right now it looks like we will be getting back $8500. That's a couple hundred less than last year, but DH had a bigger income last year because of a higher bonus.

Now before someone says anything about adjusting our withholding so we don't get so much back and have more during the year, we can't. DH already takes the legal number of withholdings. It is not like in the old days when you could claim 47 deductions. The laws are very strict now. And also, $6150 of what we are getting back is due to maxing out and using the full amount of the HSA this year. Without that it would be $2350.

Anyway, so I need to figure out what we will do with that money besides paying off the Chase card. Chase will be at $4900 by the time we get our refund back. So that will leave us with $3600. $1000 of that will go to purchase DD a MacBook, since I wiped out the MacBook fund to pay off debt. So that just leaves $2600.

I think I will let that money sit for a while in case we go over budget while at Disneyland. I don't know if we will or not, but I don't want to have new debt built up on one of the cards. So if we use it, we'll pay it off. Mostly I'd like to put $2000 in the EF. I am aiming towards getting it to $18,000, and then more slowly to $32,000, which will take a few years, especially with college coming up.

DD has agreed to doing her first two years at the local community college and then most likely doing 2 years in the Peace Corp before coming back to do a couple more years at the local university. The community college does offer Japanese. She'll be talking her 3rd year of high school Japanese next year, so college Japanese would help to reinforce that.

I just wish they taught Mandarin. They do offer it at WWU. Actually China is one of the countries that the Peace Corp works in, and the language training is pretty intensive before they send you in. Something like 5 hours a day for three months, if I remember right. But she isn't sure about China. She's thinking more about one of the islands or Africa. I don't want to push her in any one direction, because it's her life and her choice, but learning Mandarin would pretty much guarantee her a well-paying job in certain fields.

I just worry about the future of my kids. I want them to be able to get jobs they can support themselves on in a faltering economy. I can lead them to the proper areas based on their interests, but I can't push them in. It has be something they are interested in, otherwise it is a waste of both time and money.

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I added $10 to the EF, bringing the total to $1725.35. Just $174.65 left to meet my February goal of $1900.

This week should be another week of not needing to pick up anything else at the grocery store.

Monday:
Wild caught sockeye salmon
Broccoli and cauliflower
Oranges

Tuesday:
Fried chicken
Fried potatoes
Fried salad (no, not really, just checking to see if anyone is paying attention!)
Canned pineapple

Wednesday:
Pork chops
Homemade pear sauce
Green beans

Thursday:
Tropical chicken stir-fry
Pineapple
Coleslaw

Friday:
Homemade fish and chips
Cole slaw
Bananas

Saturday:
Homemade pizza (ham, onions, bell pepper strips)
Cole slaw
Oranges

Sunday:
Beef chuck pot roast
Baked sweet potatoes
Cole slaw
Drop biscuits with choice of homemade jam

Lunches this week will be meatloaf and coleslaw or leftover chicken salads or quesadillas.

Breakfasts this week will be sausage and eggs or bacon and eggs, with pancakes for DS and cucumber slices for all of us.

It is sunny and bright outside today and almost warm at 47 degrees F. It's the sort of day that fools you into thinking spring is just around the corner and that it's time to start planting. Of course it's not. I have to wait until mid-April for most of that, though snow peas will be going in during March and a pot full of lettuce greens and maybe one of spinach will have a place on the deck and be brought in if frost threatens.

The seed catalogs are here and they bring these dreams of eating summer produce with them. I've been plotting out my garden space for a couple of weeks now. I've definitely got the green thumb fever.

The chickens are enjoying their new pasture, though I'm not sure much will be left of the grass. One thing less to mow, I suppose. And they are determined to dig into the compost bins from the bottom. Silly chickens. Of course they know there are all kinds of yummy things in there for them to eat. Since expanding their area to range in, they haven't tried hopping the fence at all. Which is nice, since there are no unexpected surprises being found in the driveway.

They will help to double our garden space though, so I can't complain too much. Chickens are very good preparers of the soil. It's keeping them out afterwards that can present a challenge. I like to fence the garden off for a good six weeks to let plants get established. After that they don't do too much harm.

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I couldn't get into the blogs last night to report this, but I spent $44 on prescriptions yesterday. The lower dose BP med that the doctor wanted me to try is $40. The one that I was on before was $80 so if this one works for me, then that will be a nice change. We pay for all prescriptions at full price until the $2500 family deductible has been met.

I also spent $60 on food. DD has decided to do a new exercise and diet regime so she asked for me to buy some foods for her to implement that. I will be glad when I can grow baby spinach, because it costs an arm and a leg practically. At least cabbage is always cheap. I also picked up some salmon. They had wild caught sockeye for $5.99 per pound if you bought the whole fish.

Well, this is not the paycheck they took medical out of, so it's the larger amount for the 2 day paycheck. I'm glad because I hate it when they take medical out of this one. The 5 day or the 7 day paychecks absorb it much easier. and the higher amount means I can pay off my crown today instead of next Friday. My goal was to get it paid off by the time they start work on the next one on the 23rd. I had $120 left in checking from last payday, too.

Anyway, here's what I paid out today:

$350.00 Dentist to payoff my crown
_300.00 To Mom for her utilities
__28.93 Electricity Old House
__39.53 DH Life Insurance
__32.70 Me Life Insurance
__59.89 Car Insurance
__45.63 Old House Insurance
__41.16 ADT Security Old House
_153.00 Storage
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1004.21

I have $354.40 left in checking. I will have physical therapy next week so that will be $90. I also need to take out $25 for the kids' allowances. Other than that, I'll need to buy some vegetables this week and maybe some milk. So I'm good. It's nice to have everything done for the budget this early in the day.

I am always glad to get into the month of February, not just because it is my birthday month, but because February feels like a fresh slate this year. January was for paying off BoA, December was for paying off AMEX, and now I can relax a little. Not relax so much that I let things go, but it's sort of like breathing a sigh of relief.

It's like a really bad storm. First you are anticipating it, then you are riding through it and just hoping to hold on and that your entire house doesn't flood away or blow away, and then you are coming out the other side and all that's left to do is pick up the branches and unboard the windows. That's where it feels like I am now.

I have to wait until 8 o'clock to see what the paycheck is today. It's the small one. But the amount varies based on whether they take medical out or not. I can never remember if it is that they take out medical on the 1st paycheck of the month or the first paycheck earned in the new month.

I was trying to check ING last night to get the amount of interest for the year to send to DH so he can finish the taxes and it was down. I figured they were changing over to Capital One 360 and I was right as it's all blue and red today instead of orange. I preferred the orange, but then I don't like change. Change on the internet tends to come with glitches. Feels like the end of an era. Plus .75% is barely worth keeping money there anymore. Might as well just leave it in one of the local credit unions at this rate. I'd transfer it elsewhere if I could find an interest rate that is worth it. Still can't get in to TIAA Cref.

Anyway, my amount of interest from ING earned this year is $20.92. January's interest is a whopping 85 cents. I added that to the Emergency Fund bringing the new balance in it to $1715.35. Just $184.65 left to go to meet my EF goal for the month of February.

Every time I use a punctuation mark like an apostrophe, or a comma, or quotation marks, it is surrounded with back slashes. It is not just me either. I've seen it on the blogs of everyone today too. Is this just a glitch in the system?

The new chicken fencing is up so the chickens have a whole new "pasture" to range in that is all grass and no mud. A good time was had by all. However, they are trying to get into the compost bins. My opinion is let them. They'll scratch it up and turn it over and then we can shovel it back into the bins and close them back up.

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We got everything in under the wire for homeschooling this month. I was a little worried since both DS and I had the flu virus for a good ten days this month. But we did get caught up. Now I just need to worry about getting him through his regular lessons tomorrow and then the weekend is here and I am going to sleep.

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I met with the new doctor today and I have to say I like him a good bit. He listens well. Didn't have the physical today as he wanted to talk about some of the other problems I've been having, the dizziness, the tremors, the tingling, the dizziness, the exhaustion, the insomnia, the dizziness...

And he wants me to go for a sleep study, because he is expecting that my chronic exhaustion/insomnia situation may actually be sleep apnea. Oh, joy. So I have to call them tommorrow and make an appointment.

I also was given a mammagram paper and I need to call and set that up. I've never had one. I should have had one at 35 since my mother is a breast cancer survivor, but I had so much else going on in my health the past seven to eight year it never happened.

I also have to go over to the lab who did the blood work for my last doctor and get a copy of it sent to my new doctor, since that lab is not part of their computerized sharing system.

He also wants me to order a device for taking blood pressure at home. Fun. It's going to be an expensive next couple of months, I can tell.

Anyway, so new doctor man wants to get to the root of most of these things before I come back in 2 weeks.

So in writing down my surgeries, it came out to 11, 7 of which have been in the last decade. Geesh. No wonder I can't get well. My body is determined to kill me.

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Anyway, there was no money out today though my kids were despereate for me to get burgers, or Hawaiian Barbecue, or KFC and I totally would not. I came home and I made spaghetti and meatballs, which I think was technically tomorrow's meal, but close enough.

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I still have $120 left in my checkbook and payday is tomorrow, albeit the two day paycheck.

I ran across two farms today in my search for something like that other farmhouse. Neither is ideal, but neither is in a flood plain, either. One is ten acres, but isn't flat land. The house is located on top of a hill. Actually there are two houses on this property and the second one currently rents for $1800 a month. So for 2 houses and 10 acres it is $350,000. Not too bad if you are taking in $1800 in rental income as well. It doesn't mention outbuilding though.

The other farm is 5 acres and $235,000. It has a good shop, garages, and a nice barn. The only problem is the house is a manufactured home. While I'm not anti-manufactured home per se, I do know that they take an awful lot of shortcuts, like walls that don't actually meet, but are then covered by molding so they appear so, or linoleum that is stapled down instead of adhered to the floor. Like interior walls being little more than cardboard covered with wall paper. Like an improperly pitched roof, or skylights that are not properly sealed. So that's not anywhere I would want to go. Otherwise it's a great property and has a great layout.

I guess I'll just have to keep looking. Good thing we aren't in any rush.

My physical therapist was sick today and cancelled our appointment. I have to say I am glad because I really didn't feel up to being tortured this week. Come to think of it, she was showing symptoms last week, so that's probably where this cold came from. Anyway, that's $90 I didn't need to spend this week. I'm glad of that, because I'm not sure about my doctor's appointment tomorrow whether or not physicals go towards the deductible or they are covered outright. I'm thinking outright, but I won't know for sure until I get there. I gave them insurance info over the phone. Plus throw in the new patient thing and who knows.

Today I am at least making what's on my meal plan for the week. But then roast chicken and baked potatoes are easy. 5 minutes of hands on time.

I need to start taking my vitamins again. I've been slacking off and only doing the vitamin D3, but I need to add back in C, fish oil, E, magnesium and potassium. I always feel better on that regimen, but when I need it the most, in winter, is when I tend to slack off on it.

I will be getting my rewards coupon from AMEX in February. The only thing I don't like about it is that since it's tied to my Costco card, I have to take the coupon in to Costco to get my cash. I'd prefer they just send me a check I can cash at the credit union or apply it directly to my account. I hate going to our Costco. The parking lot is a nightmare. It's one thing when I am actually buying groceries, but another thing when I am not.

We have one of the busiest Costco's in the state. I really do not understand why so many Canadians cross the border to shop here, but every other license plate is Canadian. There is a Costco on their side in Abbotsford two minutes from the border.

I can't see how waiting in a 40 minute (or longer) border crossing line, coming stateside to shop and get gas, and then spending another 40 minutes (or more) to cross the border again, could ever be worth it. I would think you'd be wasting as much gas in the lines as you would save from getting it stateside.

I wouldn't do it. Maybe back in the olden days when gas was 99 cents a gallon and dairy products were cheap, but now? Of course, they are probably the only thing keeping the retail economy of this county afloat. I doubt it would survive without the influx. But it does make it difficult to park, run in, and get back out quickly with all the non-local shoppers.

I've been thinking about just getting rid of this card and dropping Costco as well. Only thing is, this is the only card in just my name. All of our other cards are my husband's and I'm either a co-signer or an authorized user. I know they changed the law a while back so that it was no longer based on household income, so if you don't make an income of your own, you couldn't get a card of your own. I don't know if that change was ever rescinded or not. I know there was some hoo hah about it, but not how it turned out. So I'm not sure I'd be able to get another card in just my name if I did cancel it.

It probably doesn't matter too much as I don't intend to need a bunch of cards and my marriage is solid, so I'm not expecting to lose access to DH's, but it just seems smart to have at least one card in my own name.

Right now I'm breaking even on the Costco membership fee and that's about it. And there are less and less products we buy there as we've switched to getting our meat from the ranch and not from Costco. I may give it another year and track it and then figure out whether or not it is worth it to me. They've stopped carrying the brands of tomato sauce, peanut butter, and green beans that I liked so that's going on the con side. Mostly I am just buying the non-food products there. It's becoming less and less worth it.

I am glad I copy my entries every time before trying to post them, because this week SA has been eating my posts alive, its favorite comment being the one that says "Our records show that you are already logged in as yourself." And I'm like, No Duh, every time it does that. So if I'm logged in as myself, than what is your problem, you goofy computer program? /vent

Some days I wonder why I even bother to make a meal plan, when I end up making pizza 3 times a week lately. I had planned to make Bolgogi (Korean stir-fry), which should be a relatively easy new recipe for me. But I didn't. Maybe my day was thrown off because my mother had a procedure done and had to be there at 6:30. And I had to take DD to school at 7 and then pick Mom up at 7:40 which turned more like 8:30 because she takes so long to come out of anesthetic. I was dragging by the time we got home and pretty much dragged all day, so when it came time to make dinner I had no interest in making a new recipe.

Instead I took the easy way and dumped dough ingredients into the bread machine. All told it takes about 4 minutes of hands-on time to make a pizza. I always have toppings in the fridge, either ham or pepperoni or sausage or ground beef. I always have cheese. I always have onions and bell pepper strips (frozen). I always have tomato sauce and basil and oregano. So when I am feeling particularly tired (or lazy) or don't want to think it seems to be my go to dinner.

At least it is good pizza. One of my tricks is to rub the dough (and my hands) with extra virgin olive oil before pushing it out on the pizza pan. I think it makes a big difference in not only the flavor of the dough, but in making a crisp crust. Also the crust never sticks to the pan when I do this.

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I received a $5 Amazon gift card from Swagbucks today. That makes my total $85. I should get one more in by the end of the month.

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I scheduled a doctor's appointment with a new doctor. I decided to try to find someone who wouldn't put me on a waiting list just to make an appointment. This doctor I will be able to see on Thursday and he's in my PPO.

It's not a female like I wanted, but I didn't find anything negative on him on the web and he's young enough that I shouldn't have to worry about finding a new doctor again in my lifetime if I like him.

I went ahead and scheduled a physical. It's been a few years. I need to make out a list of my medications and dosages and see if I can find my copy of my blood work results from December so he won't order extra.

I also need to sit down and list all my surgeries. I can't even remember how many I've had. 7 or 8 since 2003, at least five before that. The last one was in 2011. When I make out lists like that, I realize how lucky I am to be alive and doing relatively well now.

I think my insurance covers physicals without having met the deductible, so hopefully there will be no out of pocket expense for this visit.

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I have physical therapy tomorrow so that is $90. I have thought about cancelling because I don't feel well, but that might just be the course of today and being so tired.

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I almost lost a shoe today to the mud pit that is the chicken yard. It can stop raining any time now. I need to buy a pair of Wellies. Even the boards we've put down to walk through the mud are sinking in it. Rain is better than frozen because it's warmer, but frozen is better than rain if you are trying to walk across the ground. I'm ready for summer. Really, really ready. At least we will be in Cali for a week in March. That will help with my cold season blahs.

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On the bright side of things, my knee hasn't hurt all week. And I am back to walking down stairs one foot per step instead of two footing it. Still a little slow and I still like to be within grabbing distance, but it feels almost normal at the moment.

Some days I wonder why I even bother to make a meal plan, when I end up making pizza 3 times a week lately. I had planned to make Bolgogi (Korean stir-fry), which should be a relatively easy new recipe for me. But I didn't. Maybe my day was thrown off because my mother had a procedure done and had to be there at 6:30. And I had to take DD to school at 7 and then pick Mom up at 7:40 which turned more like 8:30 because she takes so long to come out of anesthetic. I was dragging by the time we got home and pretty much dragged all day, so when it came time to make dinner I had no interest in making a new recipe.

Instead I took the easy way and dumped dough ingredients into the bread machine. All told it takes about 4 minutes of hands-on time to make a pizza. I always have toppings in the fridge, either ham or pepperoni or sausage or ground beef. I always have cheese. I always have onions and bell pepper strips (frozen). I always have tomato sauce and basil and oregano. So when I am feeling particularly tired (or lazy) or don't want to think it seems to be my go to dinner.

At least it is good pizza. One of my tricks is to rub the dough (and my hands) with extra virgin olive oil before pushing it out on the pizza pan. I think it makes a big difference in not only the flavor of the dough, but in making a crisp crust. Also the crust never sticks to the pan when I do this.

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I received a $5 Amazon gift card from Swagbucks today. That makes my total $85. I should get one more in by the end of the month.

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I scheduled a doctor's appointment with a new doctor. I decided to try to find someone who wouldn't put me on a waiting list just to make an appointment. This doctor I will be able to see on Thursday and he's in my PPO.

It's not a female like I wanted, but I didn't find anything negative on him on the web and he's young enough that I shouldn't have to worry about finding a new doctor again in my lifetime if I like him.

I went ahead and scheduled a physical. It's been a few years. I need to make out a list of my medications and dosages and see if I can find my copy of my blood work results from December so he won't order extra.

I also need to sit down and list all my surgeries. I can't even remember how many I've had. 7 or 8 since 2003, at least five before that. The last one was in 2011. When I make out lists like that, I realize how lucky I am to be alive and doing relatively well now.

I think my insurance covers physicals without having met the deductible, so hopefully there will be no out of pocket expense for this visit.

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I have physical therapy tomorrow so that is $90. I have thought about cancelling because I don't feel well, but that might just be the course of today and being so tired.

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I almost lost a shoe today to the mud pit that is the chicken yard. It can stop raining any time now. I need to buy a pair of Wellies. Even the boards we've put down to walk through the mud are sinking in it. Rain is better than frozen because it's warmer, but frozen is better than rain if you are trying to walk across the ground. I'm ready for summer. Really, really ready. At least we will be in Cali for a week in March. That will help with my cold season blahs.

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On the bright side of things, my knee hasn't hurt all week. And I am back to walking down stairs one foot per step instead of two footing it. Still a little slow and I still like to be within grabbing distance, but it feels almost normal at the moment.

I've been doing some thinking about the next couple of months. In February we will buy our Disneyland Parkhopper tickets, which will set us back $2030 for 7 tickets (unless they go on sale), but we should be able to buy them outright in February. I will charge them for the benefits of charging, but then I will pay it off as soon as it posts to the account.

We already have enough saved up to cover prepaying the limo rental both ways, so that will get taken care of in the next few days. We chose to do a limo because it was actually cheaper for 7 people and all their stuff than two taxis or vanpools.

And then in March I will take $2500 for the trip itself. I think that should easily cover groceries, a few meals out and souvenirs. It's probably more than we need, but I'd rather have too much than too little and come home with money. SIL is paying for her own food for her and the girls. We are picking up everything else, but flights and the condo are long since taken care of.

Also in March we should have our taxes back. The Chase card will be at $4900 by then and our taxes will more than pay for that. (We will get a lot back because we fully used the HSA again this year and will get all of that back). We will also be getting DD's MacBook. If there is any money left it will go to the EF. Last year (and circumstances haven't changed) we got around $8750 back. $6150 is from the HSA alone. That should put the EF around $4000 to $5000.

After that I need to decide what I'm going to do. Our only two debts will be the mortgage and the van payment. The mortgage has a higher percentage rate than the van, but the house will be up for sale by then. I'm not sure if there is any point in paying down the mortgage, yet if it doesn't sell right away then there is.

I figured that we could have the mortgage paid off by September/October if we start paying $2500 a month in April. I keep going back and forth on this. Part of me says forget prepaying it, put that money in the EF and college fund instead. Or put it toward the van. It's like being on a merry-go-round. I just keep going around in circles trying to figure out the smartest thing to do.

My mother keeps butting into the house stuff. She's trying to be the one who will set the price. She's acting like she's the one who gets to okay any offers and it is driving me right up the wall. I want her out of it, but she has a way of squirming into our business and getting people to talk to her who legally should not be talking to her about any of it.

I don't particularly want her knowing A. What the amount of the mortgage is left on the house, and B. What the price is that we actually get for it. It's none of her business. She does like sticking her nose in. She wants to set the price far higher than what I think anyone will pay for it. I've seen how long houses sit on the market in that area if they are over-priced.

I love my mother very much, she has a lot of great qualities and I never have doubted that she loves me, but she is a difficult personality. She is very pushy and stubborn and manipulative when she chooses to be. I just can't figure out what she thinks she'll get out of any of this.

I will be glad when we are not living under the same roof again, even though I know I will worry about her. I am ready to worry about her from a slightly more removed area. Even if I know she will likely end up moving in with us several years in the future, it will be different. It will be her living in our home and not vice versa.

Right now she is very weird about money. She's been like this the last year. We pay for the gas, the electric, the water/sewer, the internet, and the garbage for the entire household, yet she worries about how high the utilities are. She often eats with us and spends very little on groceries herself, but worries constantly about the cost of food. She barely ever drives anywhere, but worries constantly about the cost of gasoline.

She gets $1000 from us every month as we pay back our loan, and $757 from social security. Her house is paid for, her SUV and pickup are paid for. She pays for some chicken feed, satellite TV, $100 in groceries each month, car and house insurance, and property taxes ($2500 a year) and that's about it. Her income is more than enough to cover it. She's always been a champion budgeter. Even after we move out and she takes back over the utilities (they'll drop), she'll still have more than enough to meet her needs.

I don't know why she's being so weird about money. I've even told her we will take care of her after our loan to her is paid off. She will not be on the street, she will always have enough to eat. I do have to wonder if maybe I'm seeing the beginning stages of dementia or if the two mini-strokes did more damage to her brain than they thought. It's something I'll have to keep an eye on.

Well, that lovely farm with the lovely 1920's farmhouse is not to be. It is in the flood plain after all, and not just in it, but apparently the entire front yard is waterlogged at the rainiest parts of the year or whenever snow melts. I am a little disappointed, but I am sure there will be something else out there somewhere that will meet our needs and wants. Dealing with flooding is not something I want to do. I grew up dealing with a basement that constantly flooded. This house didn't have a basement, but with water that bad it would get in the barn and things would get wet.

So we'll keep looking and hopefully find something similar. It doesn't have to be 7 acres. 1 acre is enough to make me happy outside the city and .5 acre is enough to make me happy inside of it. I'm not in any rush. There's more debt to be paid and I can focus on that for now, while still keeping an eye out.

I did look up exactly when the 0% Chase card expires and it is in August, so we'll have that well paid off by the end of March, no worries. It is the focus of February and March payments and after that we'll work on the mortgage.

I am back to purchasing my produce now that the garden is finally dead as can be. I find myself really resenting the price of organic broccoli, but that just gives me the motivation to plant more next year and freeze it myself (as opposed to letting mother nature do it). I am using broccoli more as an ingredient than as a main dish. In other words it is part of a stir-fry with many other veggies, instead of just a helping of broccoli. It helps spread the cost of it and cauliflower out.

At least cabbage, even organic cabbage is still cheap. And I'm pretty easy about eating coleslaw. I could probably eat it every day, especially when organic lettuce is $2.49 a head. I am going to plant lettuce early this year. I'm going to chance it in pots mid-March and then just bring it in at night if it threatens to freeze.

I've been on an oranges kick lately, but they are in season so that's not bad. I did get a case of pineapple for some variety, though. I always freeze the pineapple juice that is leftover in one or two of my Popsicle molds. They are nice to have when sore throat weather hits. Or else I will use it in stir-fries instead of honey to sweeten the dish.

Well, anyway, here's the food plan for the week:

Monday--
Lasagna
Green beans
Oranges

Tuesday--
Bolgogi
Pineapple

Wednesday--
Roast chicken
Baked potatoes
Coleslaw
Oranges

Thursday--
Ethiopian Sloppy Joes on whole wheat tortillas
Coleslaw
Pineapple

Friday--
Chicken enchiladas with homemade sauce
Green beans
Bananas

Saturday--
Spaghetti with homemade sauce
Meatballs
Coleslaw
Oranges

Sunday--
Beef chuck pot roast
Mashed potatoes and gravy
Green beans
Oranges

Breakfasts this week will be sausages and eggs or toast and eggs.

Lunches this week will be leftover lasagna and low carb meatloaf.

Most, but not all, of the debt repayment hit our credit report. We have a monitoring service through Experian due to theft years ago. I'm paranoid enough about it, to keep tabs on at least one of our reports. So it is lagging one month behind on the mortgage, but it was lagging 3 months behind as I think the credit union only reports it quarterly, and it is one payment behind on both the AMEX and the BoA, but it will catch up. Meanwhile our credit score went up to 790.

Now I'm all antsy for February 8th to get here and I can start paying the Chase card off. It's kind of contagious, that push to get further and further out of debt. Paying Chase off probably won't have much of an effect on our credit score. It's the car loan that is likely keeping it from going over 800. Still, we are positioning ourselves well to buy a new house.

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We went down to the sustainable, free-ranging, organic (and grass fed in the case of the beef, no soy or GMO's in the case of the chickens) farm today and I spent $297.78 of my $300 monthly meat budget. We came back with 4 chuck roasts, 8 pork chops, 2 beef stir-fry, 2 bacon, 2 whole chickens, 10 ground beef, and 2 ground pork. We still have a couple of packs of bacon and some hamburger from our last trip, so this should meet our protein needs nicely for the month. And of course there are our free eggs from the backyard chickens.

I really hope to be able to order a half a steer this year. We will see how it goes. I also wouldn't mind a whole pig, but the ranch doesn't do that so we'd have to find another source. They do a $300 box of pork though. I'm not really sure if it's worth getting though, because we pretty much only eat bacon, ground pork, and pork chops when it comes to pork. Very occasionally I will make pulled pork for burritos from a roast, but not often.

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On the way back from the farm there was a gas station that had gas for $3.17 a gallon if you had cash, so DH and I ransacked his wallet and my purse and scraped together $31 (including the last couple bucks of the meat budget money) for gas, since the absolute cheapest it is in our county is $3.25. So the tank sits at 3/4 full now. Well worth it since we were driving by it anyway.

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We went to Costco after we got home and I used my rebate coupon. We stocked up on some toiletries, garbage bags, canned pineapple, butter, and oranges. Charmin had a $2 off coupon, so that was nice. We stopped at another store for Organic milk, green onions and bananas.

I feel like I put myself through the wringer today, though. On the bright side my knee isn't hurting. On the not so bright side everything else is. I'm sure it will be better in the morning, though. It usually is.

Aside from the most important thing of paying off the BoA card this morning, I finally had time to sit down and pay out the bills for this week. It's not a lot of stuff, since the majority of the money went to one place. Both BoA and AMEX will now be paid off each month with no balance carried forward. AMEX is for gas and miscellaneous purchases I want to track, like OTC cold meds or meals out. We're down to only spending $100 a month on meals out, which generally amounts to one nice restaurant and one fast food meal a month.

Anyway, here's what it looks like:

$2675.84 BoA VISA payoff
__451.16 AMEX
___15.00 Daughter's allowance (DS will be caught up with what he owes me on 2/1)
__100.00 DH's monthly allowance
__100.00 property tax (holding tank)
__300.00 Dental
___25.00 Medical
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$3667.00 total money out

That leaves us $274.87 until Friday. I am actually going to try to only use $74.87 out of it. I got my Costco rebate check coupon thing so that should cover a case of toilet paper, butter, and a case of oranges and there is no other reason to spend money, except for milk, between now and the payday on 2/1.

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I deposited the dollars from my coin jar, a roll of pennies, and $20 I had left from last payday to my EF fund, total of $44.50. That means the new total in the Emergency Fund is now $1717.50. That also means I passed my January goal of getting the EF to $1700. My goal for February is to get it to $1900.

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I think I will have enough points by tomorrow to cash out at Swagbucks for another Amazon $5 gift card.

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The man fixing up our old house was able to work there again all day today. Maybe this thing will get done by March. Pray for rain! He can't do his normal job when it is raining outside. I almost feel like this is a sign pointing to things aligning for us to possibly get that farm house. I don't want to get my hopes up, but even my mother is on board with that house and that is saying something. She's notoriously pessimistic sometimes.

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We are left now with our 0% Chase card with $5100 on it. It is the last of the credit card debt. And it will be gone by the end of March. We have put our debt to income ratio in an excellent place for buying a house. All of the pieces are falling into place. Hopefully they will continue to do so and we will keep our heads. It is very important not to go crazy now, but to continue to do things rationally and the right way.

After a final attempt to rally its forces with a tempting offer of not one, not two, but three balance transfer checks, the great ship Bank of America VISA Card was sunk with four short photon bursts. It's final resting place is deep in the heart of the $0 balance trench under Garbage Island in the middle of the Pacific Ocean. RIP, oh, mighty enemy. You have won many battles, but I, lonely soldier that I am, have won the war.