Lucky Robin's Personal Finance Blog

I didn't fall asleep until two last night, which isn't unheard of, particularly on a night when I've been writing, but I wasn't last night.  Then I woke up at 8 a.m. and couldn't get back to sleep.  I've been dragging all day, but I am in a surprisingly chipper mood.

I did manage to get some stuff done that I have been putting off.  I called the main doctor's office to follow up on referrals for my daughter.  She was supposed to have them done for P.T. for the torn miniscus and for an orthopedist for the same reason.  The P.T. has been approved by the insurance company, but the orthopedist referral hadn't ever been started.  They said to go ahead and call the P.T. place.  I hate it when we see someone who isn't our actual doctor.  They always seem to drop the ball somewhere.

While I had them on the phone I had them ask to renew a prescription for my daughter and one for me.  Her's is a powerful NSAID, but not a narcotic and mine is a narcotic.  Both cannot have refills left at the pharmacy, but have to be called in each time.  It used to be you had to go into the doctor's office to pick up the paper prescription, but that changed when Covid lockdowns happened.

Then I called the allergist to schedule an appointment for my son.  That was no waiting time on the phone, thank goodness.  It'll be a 3 hour appointment so he can get all the little pinpricks to see what he is allergic to.  He can't be on anthistamines for 5 days beforehand.  It's not until October, so he should have had time to settle into his job by then.  Speaking of which, orientation is tomorrow (the time stamp is still off, but I mean the 30th) for 3 hours.  I don't know why I'm so nervous for him, but I am not showing it at all.  I don't want him to be nervous.

After that, I called the P.T. place, but still no referral on their end.  *sighs*  It's a bummer, but there's only so much chasing down I can do.  And I don't know how far out they are scheduling.  I need to make sure they actually sent it to the place I asked them, too, if I haven't heart in a place.  It might actually be somewhere else as they do use another place sometimes.  I've gone to both, but one is a lot closer to our house than the other.

The new drug continues to help a lot.  I was able to wash my hair without any help from the husband today.  Usually he has to wash my hair, because it is hard for my one shoulder to be held above my head that long.  I have obnoxiously thick, long hair, so it isn't a quick shampoo, rinse, shampoo, rinse, condition, rinse.  It is a longer process.  It's still no fun bending over the kitchen sink for my back, though.  And I had to do the towel on the floor, wipe stuff up with my feet method for the water I got all over the place.  Then kicked it to the laundry room.  But I still did it.

The part of the garden on the drip hoses got watered.  Two more drip hoses arrived in mail today, a 25 foot to finish off the blackberries and huckleberry area and a 50 foot for the strawberry bed.  I picked off some more of the potato flowers.  I am about 2/3rds of the way through with that.  I can only bend for a little bit before it starts to ache.  I harvested my first zucchini and some of my cucumber plants have itty, bitty cucumbers on two of them and I have an tiny patty pan.  My pepper plants have itty bitty peppers, and my tomato plants have some small and medium green tomatoes on them.

My lettuce is finally ready to be harvested.  Planting late on that means no lettuce until practically August, but at least I have some now.  It is leaf lettuce so I just take the outside leaves and more grows from the center.  So a salad is on the meal plan for tomorrow.  I think I'm going to go ahead and pull the onions.  Transplanting them from the containers might have been okay if we hadn't had that excessive heatwave for so long, but the watering just couldn't keep up, so a lot of the greenery died. Better luck next year.

I forgot to mention in the last post that DH got crab on the weekend.  He got 8, one guy only wanted two of his 5, from the second day of crabbing.  The first day was for the "office" party for his group.  It wasn't as big a showing as usual due to people still not being vaccinated and not wanting to go to large gatherings.  The kids and I were sick with that stomach virus, so we couldn't go.  DH ended up bringing back five crabs from the leftovers.  DH got the meat all picked out of the shells and a lot of went into the freezer.  I can't due the picking due to my RA.  My hands just can't.  There is one container in the fridge that holds 2 picked crabs' worth of meat for snacking.  It's pretty good.  Dungeness always is, though I prefer snow or King, they just aren't around here.

They hope to go out again, but not sure what the season will allow.  They will be going fishing, though.  The salmon haven't really started running yet.

DH still hasn't called the Fridgidaire people.  I hope he manages to get it done this week.  I really need to give the hog lady a head's up.  I do almost all of the calling and appointment making, but DH is the one who can explain things with the freezer best, so he really needs to do it.  My speech gets confused a little too easily these days and I fluster when I call unfamiliar places that aren't doctor's offices, because that is usually some variation on a long memorized script.  It's the meds (not the new one), but what else am I going to do?  I'm miserable without them.

I can't believe it has been nine days since I blogged.  I did fiddle around last night and revamp my blog's appearance.  I like to freshen it up every year or two, so I changed the color scheme and the avatar.  Well, the avatar is basically the same, I just updated the background, clothes, and hair.  I tried to keep the hot pink to a minimum on the blog layout, because I know that can be very hard on the eyes for some people, but I like it as an accent, along with the black for the sidebar headings.  That's why the blog title is in white.  It attacked my eyes when I tried it out in hot pink.  I think the electric blue goes very well with just that hint of the hot pink, though.  I changed my avatar to reflect how I look now, which I generally do after a haircut, though this was not that.  I still haven't gotten one of those.  No, I just have my hair tied back all the time now because it is nearly to my waist, so the photo reflects a long pony-tail.

I'm still spending way to much right now and I have lots of excuses for it, but won't bore you with most of it.  I am still saving heavily to the medical fund, just not the EF.  I did have to buy my son some plain black shoes and some dark blue jeans for the uniform at his new job.  They provide the shirts and aprons.  Yes, my son has been hired for his first job!  He has orientation on Friday.  The position is full-time  I've told him he is on his own for buying clothes from now on.  I am not making him pay me back for this, but I am making him pay me back for the bento boxes and insulated lunch bag for packing his dinner to work out of his first full paycheck.  He will also pay $100 a month towards the utilities since he is pretty much personally responsible for the high water bill, and he will contribute $50 a month towards food along with his 10% employee discount.

He's going to be working at the grocery store six blocks from our house which means he can walk to work, weather permitting, and then we'll drop off a vehicle for him in the parking lot or pick him up depending on how late he'll be.  He's supposed to be working the 4 p.m. to midnight shift, but you know how that sort of thing goes.  He'll be a courtesy clerk which is a fancy name for bagger and cart fetcher/cart sanitizer, and other sanitizing through out the store.  I'm sure there will be other things he does during the slow times.  As far as I know he won't be restocking for now.  He wanted to be a cashier, it was what he interviewed for, but they hired some people with more experience.  Still, he can work his way into it once he has proven himself to be a good employee.

It's union, which is good in some ways and bad in others.  The job security is good.  You can't opt out of the dues and not be in the union which is bad.  The union doesn't have a 401K, it has a pension, which is nice.  But you have to work there seven years to get it, whereas with a 401k you always have access to what you put in yourself and whatever has vested so far from employer match.  I'm not sure how pensions work, if they are strictly company provided or you pay into them.  If you pay into them, it would suck, because this is not a forever job for him.

He'll be opening a Roth IRA with his first full paycheck and will be contributing 15% of his income.  He will be tithing 10%.  We will have to determine what the pecentages are on the $150 he'll pay to us each month for his expenses.  I think he said he wanted to save 40% for the car, maybe more, and then have the rest for his spending.  He'd like $100 out of each paycheck.  Of course we won't know what he'll even be making after taxes and benefits, so numbers may have to be adjusted accordingly, just not tithe and IRA contributions.  Then we can set up a spreadsheet for his budget or get him on the Every Dollar app from Dave Ramsey.  Personally, I prefer a spreadsheet, though.

15% to the IRA is non-negotiable while he lives at home.  He needs to get into the habit of it from day one.  We all see the position my mother was left in when they made her spend down Dad's IRA and 401k for nursing home care to $100,000.  And we see what happens when there is enough money to take care of the left behind spouse and help your kids and grandkids as is the case with DH's mother.  I want my son to have so much money in his 401k by the time he retires that he never has to worry about losing all his money to that if either he or his future wife end up in the same position.

I want there to be enough to have end of life care and still have so much money left over he doesn't know what to do with it all, besides charitable giving and world travel (if that is ever allowed again) and taking care of his sister if she lives that long (doubtful as her life expectancy might make her go before I do with all her disesases).  And that any possible kids he might have can get an education outside the public school system and be able to put their own kids through a college that has hopefully corrected back to the center from the divisive and often communistic brainwashing that has taken over in many universities today.  It all starts with 15% every paycheck and no debt.

I am thinking out of the $150 he gives me each month to put aside $100 a month to go towards his car, but use the $50 towards the utilities.  I'm not sure yet, since we are paying his portion of our car insurance still.  I planned on doing that, though, until he gets his own car.  He's also considering moving to his own Ting plan, so he can get unlimited data on his phone.  I won't let him do it on ours.  Since he won't be getting an allowance anymore (but will still be paid for jobs DH and I loathe, like washing and detailing the van), but still expected to do his portion of jobs as part of his continuing to be mostly supported by us, that money will be mostly freed up i the budget now, too.

His plan is that he's saving up and emergency fund first, then for a car second, and then for school.  He's decided he wants to become an electrician.  It's a two year course so it'll take some time to save up.  He won't get an expensive car, just maybe something in the 5K range.  I'm hoping we'll be able to help him a little, but the cost of the orthodontia work I'm saving up for makes it kind of prohibitive.  We won't be able to help him with school.  My focus has to be on retirement as we are so far behind and I don't want to ever end up in the position my Mom is in or the one my eldest sister is in.

But it does have medical which he doesn't need yet, really as he is only 21 and can stay on our insurance for five more years (you can't opt out).  But it does include dental and vision.  I am hoping the dental includes orthodontia as most plans that have it cover half the cost.  He'll get a big paperwork packet with all the info when he goes to orientation.  Not sure what other benefits there are.  Maybe life insurance or something.

The other thing I don't like is how they schedule.  It is based on senority so basically the people who have been there longest get to pick their shifts first and the person hired last picks last.  It's not done on any fair basis based on availability and a scheduler who makes sure everyone has to work some good and some bad.  It is cherry-picked.  That's why I said that while he was hired for 4 p.m. to midnight, he might not actually get those hours.  Although the lady who interviewed him said that most people don't want those hours, but he does because it fits with his sleep schedule and still gives him the opportunity to go to the chiropractor and schedule doctor's appointments.

It's hard to believe it took until 21 for him to get a job.  He tried before Covid, but first he was under 18 and no one was hiring teenagers here, it was employer's pick, and the picked over 18 every time.  They said as much.  All the kids complained they couldn't get jobs.  Then after 18 unemployment was so incredibly low that no one was hiring so no interviews were even offered.  Then Covid hit and I didn't want him out in the workforce, we didn't know what was going on yet, and he has asthma so wearing a mask for 8 hours a day was not doable.

Now that he doesn't have to wear a mask here (fully vaxed), he got hired the first place he applied.  Employers are desperate because people can still make more on unemployment in most states due to those extended benefits being at $15 an hour.  Most of these entry level jobs can't match that or they'd have to skyrocket their prices to raise wages to entice people, which always triggers inflation.  The benefits are supposed to end soon, though and then people will have to start working again.  I really hope they don't reinstate masks now, like some places are talking about.  I'm not sure he could manage the job if it keeps interfering with his breathing.  Maybe I could get him one of those helmeted electric respirators, although they probably wouldn't let him wear that!  And they cost $1000.  He'd have to pay that back, for sure.

I'm having a little bit of a "my baby is leaving the nest," going on.  He's not planning on leaving any time soon, but this is his first step towards really being an adult.  Other than working on the farm when we had animals, he hasn't had to be consistent about anything.  Not even school, since we homeschooled.  It's weird thinking about having a first job be your entry to adulthood.  My first paid job, I was little.  I only earned $35 that summer.  It was before they changed the labor laws, so I could work in the strawberries and the blueberries as a wee one with my mother (she was a teacher so worked the farms in the summer) and sisters.  There was no greater satisfaction than buying that powder blue Snoopy watch with my own hard earned money.  I had worked 4 jobs by the time I got my first job as and adult at 18.

Times change, I guess.  If you didn't know anyone, you couldn't help get your minor kid a job.  If they don't hire, they can't get themselves a job.  I bet a lot of kids will be able to work, though, with all the hiring going on now.  The faces are getting younger and younger behind the cash register everywhere we go and it's not because I'm getting older.  It's because they are sixteen.  And not just because it is summer.

I also don't like that most places don't take applications in person.  Everything is online now.  The experience of handing an application personally to a manager is just gone.  No first impression to leave with the manager, nothing that might help you get past the pre-interview barrier.  It's a lot easier to ignore online applications than in person ones.  Without that face to face there is no chance to get an edge by presenting yoursef as a neat, well-groomed, nicely dressed individual, or as a go-getter.  Not at all like back in the day.  The internet makes things faceless and impersonal.

As for me, I have been very busy writing.  I set my goal for last week at 6500 words and I did 564, 1663, 1174, 0, 0, 1442, and 2094 which totalled out to be 6937 words.  The two zero days were the really bad days of a five day stomach virus that kept me in bed those two days.  My goal for this week is 7000 words.  I know I almost met that last week, but I told myself I would go with 7000, than 7500, than 8000, etc. on up to 10,000 words a week.  I don't want to overly pressure myself on it.  If it is just 500 more words a week than the previous goal, it is attainable in my head.  Now if I really fly by it one week I may adjust accordingly, but I don't want to push too hard.  The goal here it to write every day or almost every day and I'm doing that, so it's all good.

I don't feel good about my payday report this last payday, so I'm not making it.  Like I said I spent way, way too much this month and while we paid off the card during the billing period, so no interest, we will still have a lot that carries over into next month from this make for the stuff charged after we close.  I really need to just put a halt to the spending on it.

I will be raising our grocery budget to $900 a month from $800 to feed four adults.  Inflation is getting to be too much to maintain at the lower level and DS will be taking his dinners to work so really need to buy things that can be eaten cold, like deli meat, which is much more expensive.  The costs of fruits and vegetables, in season, has doubled and tripled on some items.  I'm glad we don't need to buy beef anymore.  But chicken and pork have gone up a lot, too.  I'm not finding .99/lb chicken anymore, the sale price is now $1.99/lb.  Same on pork shoulder.  Bacon is a little scary.  It'll drop back down once we get some pork and chicken in the freezer.

Oh, and here's the kicker.  Our new Frigidaire freezer that we bought in December?  It sounds like an airplane taking off at times and the alarm keeps going off that it is losing temp.  All the food was about 1/4 thawed except in the very back, so we had to distribute that food through the other freezers.

I unplugged it after it tried to go down the runway at 5:30 in the morning.  We were trying to keep broth frozen in it to see if it would thaw or not, but with that kind of noise on the other side of the wall from the head of my bed, nope, nope, nope.  DH is supposed to call and wait on hold with Frigidaire most of the day tomorrow (I'm assuming) while he works, as it is still under warranty.  He can prop it up on speaker phone.  It's no way near a year old.  I will be out tomorrow with doctor's appointments, and grocery shopping, so I can't do it.

I don't know what the heck is wrong with the motor, but I have a theory.  I don't think the door was hung right, because we've had the little light blinking a lot when it should have been solid green and the alarm would go off every few days despite no one opening the freezer during that time.  There is a magnet that is supposed to line up with the bottom of the freezer, but it doesn't quite.  And there was always frost on the bottom basket.  I think the door was put on wrong which is keeping the seal from being quite right.  I think the motor probably had to work too hard to constantly be freezing and having no rest cycles because it was always trying to get it to stay  at temp.

I am hoping they will just replace the motor and fix the door at this point, or just replace the freezer.  I think it is a lemon.  If it wasn't when we bought it, it is now.  If we can't get it working right, or get a new one in time, I will have to cancel my hog order.  I did give her a heads up the day the melt down started to happen.  She said to just keep her informed when we know something.  It'll be a bummer if we have to cancel.  She says that if no one buys them like I am, they just go to auction, so she'll not be out too much from it.

I know we haven't had the freezer long, but I was already relying on it heavily.  Thank goodness we have the large chest and mini-chest and fridge freezers.  Without them it would have been awful because we had just bought the side of beef.  And I don't know if  freezers of this size are back in the stores yet.  Or any freezers.  And they cost around $1000.  Maybe more now due to inflation.  But honestly, I should not have to pay for a new one anyway.

Oh, well, I'll do what I always do.  Put my head down and cope with it.  There, a long entry to make up for not posting for 9 days.

$16,459.87 Starting Balance

+__,160.19 Amount Added

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

$16,620.06 New Balance

This brings net worth to $113,827.73.

I had to purchase a new phone.  My phone has not been holding a charge.  I will charge it in the evening and turn it off and by morning it is down to 44%.  Turning it on trying to use it, would see it turn itself off after 20 minutes.  So the only way I could really use it is if it was plugged in all the time, which kind of defeats the purpose of a cell phone.  It was also getting really hot all the time, which we later found out was the battery.  It was pretty deformed.

I ordered a new battery which was $18 and DH tried to install it, but he ended up destroying the screen by pushing down on it too much.  He also stripped a couple of the screws and it wouldn't turn on properly, then it wouldn't turn on at all.  It was completely bricked.  The cost of replacement screen was enough for me to say screw that, I might as well get a new phone.  So I ordered one and a new phone case and that cost just under $310.  I had more than that in my allowance folder, so I didn't have to scramble to pay for it.  I did pay the extra to get it here earlier.  Still won't be until Wednesday.

I finally got the clothes I've been waiting on for ages.  I had ordered 4 summer nightgowns back at the start of June and 2 ( expensive) bras.  The nightgowns were in 2 packs and on clearance.  I've thrown out the ratty old ones that I've sewn up a few times.  The new bras are fantastic, so I might order two more when I've got a little more money in the clothing envelope.  They were over $50 a piece.  Worth it though for the fit and comfort and cooling panel.  I'm glad I decided to try a new style.  I don't remember what I paid for them, but I used money in the clothing envelope.

My jeans are starting to get pretty ratty, too.  I have some nice ones one size down and some sweats in that size, too.  I really don't want to buy new ones, so I am back on the diet wagon.  Hopefully this time I will stick to it.  Mostly I am in shorts right now so it is fine, but that will be over soon enough, so I've got two months to go down a size.  I can do that.  I've done it before.

I did pretty well on my writing this week.  I set a goal of writing 5000 words.  I had two days where I didn't write and 2 days where I kept getting interupted while trying to write, but I got some serious writing in on other days and hit my goal.  I had a total of 6181 words from last Sunday to Saturday.  I'm going to post here for accountability.  I did write today, but that will be on next Sunday's post.

Sunday: 901 words

Monday: 41 words

Tuesday: 0 words

Wednesday: 1634 words

Thursday: 0 words

Friday: 195 words

Saturday: 3410 words

My goal for this week is 6500 words, so if I do around 930 words a day I can hit that.

Thursday I had a massive fibro flare, but finally got to start the medicine the new orthopedic doctor prescribed on Wednesday of the week before.  It only took a week and a day for his office to pull their heads out of their butts and actually get it sent to the pharmacy.  I was supposed to start it the day I saw him, and I called 3 times about it over the course of a week.  The last message I left was a tone full of firm, polite, restrained annoyance (still obvious, but not like I was going to go off on anyone, or what I call Mom tone, which is a balancing act when not using it on children.  It worked and they finally called me back on that one within 15 minutes.  I was very polite to the person I talked to, who was quite apologetic, and I had the meds in my hand within two hours.

They work.  It knocked my fibro pain down to half the first day and 3/4 the second.  It is also helping with the nerve pain in my leg which was what it was prescribed for, but he said it should help the fibro pain.  I started on one pill a day and now I'm on two pills a day and in a couple of days I'll have worked up to three pills a day, which is what he wanted me on.  You just have to build up over a few days to see how you react and that the higher does doesn't make you to drowsy to feel anything.  I don't feel any more tired than I normally feel, so I don't think that particular side effect is one I got.  I don't feel I have any side effects from it at all.

He wanted me to start pool therapy for my back and hip, but that won't start until October since they are booked so far out.  I am scheduled to see a pain management specialist in August, but if this nerve medicine drug keeps working, I may not need anything from him.  I haven't taken hydrocodone since the day I started it.  I haven't needed it.  I can't believe how much better I am feeling.  I certainly have a lot more motivation.

Not much more going on.  I did get a big stack of books from the library.  I'm on a theme right now of romances by the lake or the sea, usually with some woman renovating a cottage or a lighthouse or a B&B and hiring the sexy handyman or contractor or having a helpful single neighbor man to do his part.  It's totally a trope, but it is one of my favorite, as they tend to be pretty light and airy summer reading.  Currently reading a lighthouse one.  I'll dive back into space military sci-fi with a strong female lead in the fall, then mountain lodges and home for Christmas stories in the winter.  I tend to read apocalyptic stories in the spring.  Not sure why.  It's a weird pattern with me, but I like what I like when I like it, so oh, well.

Our retirement account balance now rests at $59,197.67, an increase in the two week period of $1196.98, only $785.40 of which was contributions.  We gained $411.58 in interest.  I am starting to calm down a bit about the stock market.  I was getting antsy after last month didn't do so well.  Not that it matters, we are in it for the long haul, and I'm not about to bail.  It would be nice to hit $60K next payday, but who knows?  Might take longer.

That brings our net worth to $113,677.54.

We drove out to Lynden Meats today and picked up our whole beef. I wasn't sure we were going to fit it all in the back of the mini-van, but we did. For those who are interested in pricing we paid a $400 deposit, the remainder to the farmer was $1892.50 at slaughter, and the cut, wrap, and kill fee was $663.14. That was a grand total of $2955.64 for 665 pounds of hanging weight.

It works out to $4.51/lb for pasture raised, grass/hay fed only, organic beef, including soup bones, liver, heart, and tallow. Even on sale I can no longer find any beef under $4/lb and closer to $5/lb. Most organic grass fed beef is $7.99/lb just for hamburger and higher for others. That hasn't really gone up like regular beef prices, but this is so much less. We had some fantastic steaks tonight, but for the most part we will be using up the storebought beef first since it is older and not as well wrapped. There's not that much left, though. Like one or two pot roasts and 6 4 pks of steaks.

I'm so glad we cut our grocery budget to the bone to save up for this. I feel so much more secure with that spread throughout my freezers (which all have alarms). I don't put all my eggs in one basket since the Great Freezer Meltdown parts 1 and 2 over a decade ago. I'll feel even better when we get our hog at the end of October, although that will require a drive to Del Fox in Stanwood, which is a bit further than Lynden.

We've got a lot of old freezer burned chicken and turkey breast that will be going in crab pots. We would have used it last year, but DH's friend's boat was broken down most of the summer. We saved it because crab aren't that picky. The season starts for that in two weeks and they'll probably fish as well. So in the next two weeks I need to make up the soup bones into broth and can it to get it out of the way for seafood. I'll also likely make the turkey that is in the mini-chest freezer as it is taking up a lot of space.

I put $33 into the hog fund last night when I cleaned out my grocery envelope, but the cut and wrap fee was higher than I'd calculated, so I took $63 out of the hog fund and .14 out of the coin jar. So that leaves the hog fund lower than it was at $722, but I'll keep adding as we go. The end of October is a little over 3.5 months away. Then I will keep saving because I also want to get some organic chicken and possibly a lamb in the spring.

We had a nice Independence Day.  The fireworks were beautiful and they had quite a few new shapes that I had never seen before.  They also had some that were this intense shade of orangey-yellow that I've never seen on a firework.  

Today was nice and peaceful.  DH had the day off paid since the holiday was on the weekend and it was one that the company pays for either the Friday before or the Monday after if the day falls on a weekend.  He gets seven federal holidays and one floating holiday (which we usually take the day after Thanksgiving or the week of Christmas depending on our plans).

I have managed to write 1848 words so far this week that I kept and 503 that I deleted.  I am still kind of having to force myself to do it by using a writing sprint to get me started, but I am managing.

Most of the day I spent watching a Turkish drama called Kadeslerim which is very good if you don't mind bawling your eyes out.  Even if the subtitles aren't the greatest in the first episode, they get better after that.  I had to look up some expressions being used because in English they seem inappropriate to the circumstances, but they meant something else in Turkish that went with the plot.  Fortunately I found a list of twenty common Turkish expressions and it helped my understanding a lot.  The actors are amazing, the emotion conveyed was very impactful, and everyone is very beautiful.  I really, really want to see the bad guy get his.  If you don't mind reading your shows, this one is worth watching.

I filled out my paperwork for yet another jury summons.  I am not kidding when I say they constantly call me.  This time my doctor put in the note that I would never be able to serve in my condition.  I don't know if that will be enough to remove me from the summoning pool.  You would think with 3 degenerative diseases that cause permanent issues with sitting for long periods and as many doctor's notes as I've sent in they wouldn't continue to call me year after year.

It feels like harrassment of the disabled at this point.  I know it isn't, I know it is automated, but it still feels that way.  I have been summoned 14 times now.  You know how many times my husband has been summoned?  Once, and they didn't end up needing him.  My mom and MIL?  Never.  My son?  Once, but Covid happened.  All people who can serve and would be capable of serving and want to serve.

Heck, if I were capable of sitting that long and not on two powerful painkillers, I'd love to.  But these medicines make it hard to concentrate or focus and I cannot go without them or I don't function.  I am just so frustrated.  Every time I have to go see the doctor (major extra expense on year's the deductible has not been met), get a doctor's note which I generally have to go back for a day or two later, and spend my own stamp (minor extra expense, but it bugs me it is not postage paid for something that is not optional) to send it in.  Any extra trips, driving or walking, are just so bad right now, I really resent it.

I am almost at the point of giving up my garden.  DS has to do most of the work right now.  Maybe things will get better after I see the neurosurgeon this week.  Maybe he can put me on something else or give me injections or something.  The numbness in my thigh is now all the way down the outside and has moved to about half of the front.  I feel completely useless.  I'm even having trouble cooking every day.  At least I can still type.  Not sure what I will do when I lose that ability.  Well, that got depressing.

This was not a good week.  Mom has got it into her head that she wants to give us the house now, like next week, using a quit claim deed.  I keep trying to tell her she'll get smacked with a massive gift tax if she does it like that.  She's going to go see someone she said is an elder lawyer.  I'm not even sure what that means, unless what she means is an estate planning lawyer.  I told her she needs to ask him about the unified estate tax credit instead, but she isn't really in a listening mood.  I would prefer she just write her will and leave it to us there.

I'm not terribly thrilled about this turn of events, because I don't think we can afford the property taxes this year.  I'm trying to save up for DS's braces and get the EF fully funded, then save up for next year's medical deductible.  Plus it is looking like DD has a torn miniscus.  She has an MRI coming up soon to be sure.  Then she'll likely need surgery since it is pretty much a given that physical therapy doesn't work for a torn miniscus if it is so bad you can barely walk.

I finally got an appointment with the neurosurgeon.  It should not take a month to get a referral through, but my doctor's office had their heads up their butts and it took nearly 3 weeks for the referral to be sent, when it was supposed to take 1.  Than another week and a half before the neurosurgeon's office got their end sorted.  It's at 9:30 in the morning, so that is going to suck.  It is very hard for me to get moving in the mornings due to the fibromyalgia and rheumatoid arthritis.  Plus I am a night owl not an early bird.  It's in a week so at least I don't have long to wait now.

I had a couple of days where my back pain was so bad I was crying, but it has at least eased off.  Those days coincided with the temps of 92, 97, and 100°F in our heat wave.  Mom gave in and let us put an air conditioner in our (not really a kitchen) kitchen window.  It's the only window in the house that will work with our unit from the old place.  It didn't do a ton, but enough to make it liveable.  It was still 80 degrees in the house and we had to use all the fans we had.  But at least we could go to the kitchen and cool off and DD's room, which is opposite that window, was comfortable so we would go in there a lot, too.

It's doing better yesterday and today and I can reach with my right arm again.  It's down from a 10 to a 7 with pain levels so it is bearable with medication.  DS has been watering the garden, but I haven't really been able to even go outside.  I may try tomorrow.  At the very least I will walk to the end of the driveway where DH will set up chairs and watch the firework show over the bay.  It was cancelled last year due to Covid, so I was very happy to hear they are doing it like normal this year.  It is always so pretty and we don't have to deal with traffic or any of the negative aspects of city events like crowds, smokers, overly perfumed people, bratty kids, and drunken adults.

I don't think we will do a BBQ or anything for Independence Day.  It really depends on how hot it is to be playing with charcoal and fire.  I do have steaks, so we could.  Just not sure it is worth going to all that effort right now.  I'm not up to it, but DH might be.

I have started writing again after a six month block.  I'm not sure I really like any of it yet, but the point is to get back in the habit of daily writing.  I was doing pretty good until the pain got bad and had to stop, but I have started back up again as of today.  We'll see if it leads anywhere.

We got a dividend check in the mail from Louisianna Pacific.  A whopping 51 cents for 3.1 shares.  I am actually thinking about getting some more maybe next year.  We can sign up for a $25 a month autowithdrawal if we want to.  It has always paid a dividend and that has been steadily rising over the years.  We used to Drip it, but they discontinued the Drip about seven years ago.  It'll go to the EF eventually, but I am not going to make an extra trip to the bank to deposit it.  It can wait until next Friday when I do the payday stuff.

Not much else going on.

$16,455.44 Starting Balance

+_____4.43 Interest Added

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

$16,459.87 New Balance

That pops net worth up to $112,480.56.

Retirement has gone up to $58,000.69, a difference of $1136.27 since last payday.  All of that was contributions from DH or work, except $52.27  It was a rough two weeks, but the IRA finished ahead of where it was last payday by $15.31.  I hear the next six weeks are going to be very bumpy for the stock market.  I hope it is just a rumor.

I am really missing the stock market from the 3 years pre-Covid.  I have a feeling the only reason we will be moving forward at all this year is going to be mostly due to contributions, not gains.  Oh, well, we hold as always.  No panic selling.  Keep treading and we'll keep our heads above water.  This won't last forever and the recovery period will gain ground eventually.

Tomorrow I get to ditch the darn mask.  It's due to be 100 degrees F and I need to go grocery shopping, so thank goodness.  I finally feel like myself again.  The Moderna vaccine was really hard on my fatigue levels, both times.  I was exhaused for 12 days each time.  I had horrible bone aches after the second shot for 36 hours.  But those were my only symptoms.  I have waited out my time, so now, in my state, the fully vaxed only need them in medical facilities that require them.  It'll be weird to show my face again, but it has been lovely seeing other people's faces the last couple of weeks.

I made a deposit into the EF, which is a bunch of little things.  I realized that I hadn't added the interest for May which was $3.67 and .07.  I had $18 in rolled coin and then the amount from the paycheck was $162.42 (well, I added .50 that didn't come out of the paycheck, so a touch less).  That equalled out to $184.16 for the deposit

$16,271.28 Starting Balance

+__,184.16 Amount Added

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

$16,455.44 New Balance

I had $105.00 left in the grocery envelope so I added that to the Hog Fund.

$647.00 Beginning Balance

+105.00 Amount Added

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

$750.00 New Balance

So I am a quarter of the way there even without the leftover cut and wrap money for the beef, whatever that turns out to be.  I have until October to save $250 more, which should be done easily considering I won't have to shop for beef anymore for a long, long time.

So DH totally screwed up in telling me how much an hour his raise was.  It wasn't $11 an hour, it was $1.10 an hour.  Way to move the decimal point.  And no, he didn't give it to me in print, he literally told me $11 an hour.  So basically none of the stuff I thought was going to happen with retirement or savings is going to happen.  It's a bummer.  Hopefully he will also get a merit raise.  $1.10 an hour doesn't even keep up with how bad the cost of living has gone up in the last two years.  Better than nothing, though.

I did notice that if we could save just $66 more a payday into retirement we would max out, though.  I just don't think I can swing it, not with the forced long-term care insurance starting.  Maybe after we max out our Emergency Fund that can be something we work toward.

Our steer has gone to butcher.  It has a hanging weight of 665 pounds.  I have sent the check off to the farmer for the remainder, $1892.20.  With the deposit, that means the beef cost me $2292.20.  There is still the cut and wrap fee of .78/lb.  Well, they say .78/lb, but it tends to be more like .78 per package and a lot of packages have more than a pound of meat in them.  So while I do have $600 I left in the beef fund to cover it, it'll be $521.04 max and I don't think it will come to that.

Above that amount I had $254 left in the beef fund that I went ahead and moved to the hog fund.  That brings the total in the hog fund to $647.  As soon as I pay the cut and wrap fee at pick up, I will move whatever is left over to the hog fund, which will be at least $78.96, making that amount be at least $725.96 and probably a little more.  My goal is $1000, so I will be just shy of 3/4 of my goal.

We continue to eat down the chest freezer and move things into the house freezer as things from there are used up to make room for the steer.  It is coming along nicely.  He said I should be hearing from the processing facility sometime in the next 11 days for my cut orders.  I  want as much chuck roast as possible, but not so much the other types of roasts except pot roast.  I want all the round ground, we don't like them as roasts or steaks.  I want all the sirloin tip roasts cut into steaks.  And I want my steaks 3/4 inch thick not 1 inch thick.  I can genearally get two extra steaks out of it per type that way.

I want all the soup bones, the fat for making my own tallow, and the liver, heart, kidneys, and tongue.  We've never tried the tongue or kidneys before, so that'll be interesting.  Organ meats are quite healthy for you.  I'm a little squeamish about the tongue, but it is supposed to be quite good.  I guess we will find out. 

The special standing walker we ordered for DD arrived yesterday and it is really going to be a game changer for her.  And it has a seat she can actually sit down on.  Standard walkers are pretty painful for people with her conditions.  It folds up easily enough that she can do it herself, at last for the time being.  That was $248, but money well spent.

I can make do with the walker we inherited from FIL after he died for quite a while yet.  I only use it on severely bad days where I have to go out of the house.  Most days I am fine with my cane or if I am doing really well, without it.  But as things continue to worsen, I would definitely like to get one like that as it is easier on the L-4 and L-5 area of my back.  It takes up a lot less space when folded, too.

My referral for a neurosurgery consult finally went through so calling them is on my to do list for the day.  Along with finally getting the drip line put in the raised bed with the tomatoes in it added and the last set of hoops and deer netting up.  There is a lot outside that needs to be done and I am finally starting to feel like I can do some of it again.

I think I'm finally getting my sleeping straightened out.  I've been falling asleep between 11 p.m. and 1 a.m. instead of 3 or 4 a.m. and I've been waking up in the morning instead of the afternoon, so hopefully this will last.  I like actually having a whole day of sunlight in which to live my life.

If I am feeling particularly ambitious I might try to plant some seeds in the garden.  I'd really like to have some kohlrabi this year.

I have to say I have needed some good news with one thing after another for the last two years.  DH's work is giving a 2% raise across the board.  It goes into effect starting next week, so it won't be on the next paycheck, but the one after that.  And they are starting reviews for merit raises on top of that in July.  DH's isn't scheduled for his until the end of July, but it means there is a chance of an additional raise, too.  Since he never got one when he got promoted because Covid happened and they cut back on a lot of things, I am hoping we will see that now.  Either way, the 2% raise is $11 an hour more, so nothing to sneeze at and I am very grateful for it.  It's been 3 years without a raise.

One of the verses I look to a lot is Jeremiah 29:11:  "For I know the plans I have for you.  Plans to give you hope, and a future."  I have it posted at eye level on the wall by my computer.  I have kept that in the forefront of my mind as much as possible during the last year and a half, constantly reminding myself that there is a future with hope in it, even when I felt hopeless at times with all the medical issues and expense they brought.

I was starting to feel it worse when I found out that the state of Washington is going to force long-term care insurance on anyone who is working and they were going to enforce it by taking it out of paychecks.  There was a one time chance to opt out if you could prove you had other long-term care insurance.  DH opted out and we are getting some in place.  While it would be more convenient to do it through the state, they only offer $36,000 lifetime coverage and for every $100 they pay you have to pay $100 if you use the insurance.  And there is no provision to guarantee they won't raise how much they are taking out whenever they feel like it.  And also you have to pay more in based on your income so you are subsidizing other people.

We are getting one that is $50,000 lifetime coverage and a slightly cheaper premium and we have control over it and can shop around if it goes up, unlike with the government.  DH and I had been talking about getting long-term care for a while anyway, I just don't like being forced to.  It's another monthly bill coming in of $48.71.  I was able to pick the date it comes out of the checking account, though.  And with the raise I won't have to cut back in another category.  And I really ought to get some long-term care insurance for myself, but I can't get it through the same place as him as that is only offered to their employees, not spouses.

So if we both get the insurance that'll be around $100 in a new bill.  Allowing for them taking out 15% for the 401k pre-tax, about a third of what is left to payroll taxes, and taking 10% off for tithe, we should end up with an additional $400 a payday unaccounted for, give or take.  That's just a guestimate, of course, and I won't know for sure until we get the first paycheck without any overtime on it.  That'll make it a lot easier to save for both medical expenses and the Emergency Fund.  Assuming nothing else in our lives goes blooey.

If he gets an additional 1% merit raise, that would give us $1000 to save to medical and EF each month and that would be great.  Merit raises are generally higher than 1%, usually 2 to 5%, but I'm not being greedy.  I do wish, though, that they'd go back to contributing 5% to the 401K and not just the 2.5%.  I'd rather have that than a merit raise, to be honest.  The 2% of the regular raise is enough to help us out and ease the pressure tremendously.

On the bright side, just with the first 2% raise we are going to hit the $19,500 401k max for the year right at the first payday of December, assuming no more overtime at all this year, which is unlikely.  That is a huge milestone I didn't think we'd make this year.  Technically since he is over 50, we could put $26,000 into his 401k as a catch up amount, but I don't think we will have an additonal $6500 lying around to do it with and if we did, we'd more likely open a spousal IRA for me.

It is nice to have a little more hope for the future again, though part of me is still holding my breath waiting for Murphy to whack us again.  Does that ever go away?

Oh, and I got my second Moderna Covid vax on Sunday.  It took me until today to feel like a human being again.  Hence the big post.

I'm almost a week late in getting this up, but I've been kind of lax about it, so figured I'd go back to it.  There was quite a bit of overtime on DH's paycheck.

$383.50 Tithe

_500.00 Utilities

_400.00 Grocery Envelope

__500.00 Medical Fund

__75.00 Household Envelope

_118.17 Internet

_280.00 Monthly Family Chiropractic Plan

__36.00 Garbage

_150.00 Car Insurance Fund

_100.00 Gas Money Envelope

_100.00 Adults' Spending Money

_120.00 Kids' Allowances

_142.00 Hog Fund

_800.30 Citi

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

3834.97 Total Money Out

On the 12th we passed our one year debt free mark.  It has been an interesting year.  The freedom that comes with not having the oppression that debt provides is remarkable.  While not much else has changed here, attitudes have.  Tension levels have.  Loosening the reins is something allowable.

Are we as far ahead as I had hoped we would be?  No.  And Yes.  Medical bills continue to be a thing we have to plan for.  The unexpected always has a way of rearing its ugly head.  Yet at the same time, we have paid them all as we went.

We have taken on 15% retirement savings for the last half year and succeeded and that is something major that I thought we'd really struggle to do, but it is no different than living with a large portion of income that went to debt each month, so I feel like we were training for this.

Did I save as much money into the EF as I wanted?  No, but we are still quite a ways ahead.  Part of that reason is that I decided I wanted to bulk purchase meat.  Part of that reason was that we ate out far more than intended because we had the freedom to.  And part of that reason was replacing a lot of items that we simply put off replacing while we were in debt.

We were able to fund all the sinking funds that I planned for without it being difficult.  At no time did we have to put anything on a credit card because we hadn't saved up ahead of time.  While we do still use our credit card, it is only for convenience and autopays and is paid off in full every payday.

We have increased our net worth substantially in the last year.  At no other time in our married life can I say that.  My goal for 2022 is to refocus on getting the EF up to six month's expenses, but we will have to see how it goes.  The rest of this year's would be deposits will be going to saving up for DS's braces instead.  I have $3500 and need to save an additional $2500 before we can move forward.  That I am hoping to achieve by year's end. 

Our retirement accounts now total $56,864.42, a difference in total of $2,689.12 in the last 17 days.  Most of that is from contributions from us and work, but about $400 was profit.  DH worked a lot of overtime on the last two paychecks so close to $1940 was what we contributed.  I hope one day work will go back to contributing 5% instead of 2.5%.

As for the Hog Fund, after I met my goal with the Beef Fund I had $29, so I transferred that to a new envelope and on payday I had $192 left in the grocery envelope, so that moved to the Hog Fund envelope.  Then I added $172 to that, so there is $393 in that enveope now.  The goal is $1000, so $607 to go.  I have reserved a whole hog for October.  It should dress out somewhere around 220 pounds max.

After that my goal will be to start stocking up on chicken.  I probably won't buy it bulk off the farm, though, as I prefer to just buy thighs and legs.  Unless we can find a source for that, we will just go with grocery sales.  I'm not sure if DH is going to get much fishing in this summer with the amount of overtime he's been clocking.  If he can go we will stock up on whatever he catches.

I just feel a really strong need to be prepared for 2022.  Either way, we'll have food.

My MRI was pretty awful.  I don't generally get claustraphobic, but I've never been in the smaller machine before, I've always been in the open one.  They put me in head first, but it hurt my shoulders so much (severe RA in them) that they pulled me out and turned me around and put me in feet first and I had to put my arms over my head, which was also uncomfortable, but was way better, plus I could see out of the machine a little bit and that calmed down the panic of being so enclosed.

I was in so much pain by the time I got off the table that it has taken me until today to recover.  I had no strength or grip in my right arm yesterday, which happens sometimes when the shoulder stays in a position for too long that is bad for it.  It was back today, though.

The doctor's nurse called me with the results.  I have moved from mild to moderate diagnosis via x-ray to moderate to severe via MRI degenerative disc disease with changes in the plates.  So I am being referred to a neurosurgeon.  That doesn't necessarily mean surgery.  There may be other things that can be tried first that is not physical therapy.  Pain management and cortizone shots while I try to lose more weight.  If I can manage the pain better I can walk around better and get some real exercise.  It's always been hard for me to lose weight from just dieting alone.

After trying those, we might consider a nerve block, but I want more info on that.  Failing that, surgical intervention may be required.  It may be required from the start, though.  That's what the referral is for, to find out.

I haven't done anything in the garden the last two days except keep my son company while he picked strawberries.  I needed the fresh air and while DS is willing to do the work, he likes having someone to talk to while he does it.  No photos yet for LAL.

I watched the US Nationals Gymnastics.  It's kind of a forgone conclusion anymore who is going to win with the women, which kind of takes the suspense out of it for me.  I enjoyed it anyway.  Simone is fun to watch and has so much power, but she really doesn't seem to ever stick the landings.  She excels so much that it doesn't matter, but after all these years, I would expect her to get better at that.  And her artistry is almost non-existent.  The men stick their landings a lot better than the women did.

I really liked Suni.  She has more artistry in her little finger than anyone else and she stuck her landings more often.  And that's with coming back from a foot and ankle injury.  She was just beautiful to watch, so graceful and not so much about the power, though she is clearly very strong.  Her floor routine and her balance beam were so pretty.

I see a lot of potential in Jordan.  She's got better artistry than Simone, but Simone barely has any, just depends on her power.  Her routines are not as difficult or complicated, but give her a couple more years and she might be able to challenge even more.  I am looking forward to the Olympics.  I don't watch much, but I do enjoy men's and women's gymnastics.

I liked watching the guys, too, but it is all about power and strength there.  So it's cool and fun and impressive, but more about skill than anything.  I prefer artistry.

Not much else going on around here.

We took the van in for a 5000 mile check up yesterday.  It was basically an oil change and fluid fill up and an inspection to see what else needed to be done now that the car has reached ten years of age.  They do have things they rec at either 10 years or 100,000 miles.  Well, we only have 51,000 miles, but we bought the van in June of 2021 so we are going with getting the work done that is recommended.  We paid $94.69 for that appointment.

Because we want to drive this van until it dies, maintenance if very important to us.  Vehicles, even used ones, are super expensive, so we take as good of care as possible of our vehicles.  They want to flush the transmission at $315, flush the coolant at $200, do an induction (cleaning the build up off the inside of the engine) at $170, and something to do with the electonic fuel injection at $170.  That's a total of $855 worth of work.  I only have $708 in my car maintenance envelope after paying for the other.  That's a shortfall of $147.00.

Since DH will get quite a bit of overtime on the next paycheck, I will take out $200 for car maintenance, which will cover the shortfall and leave a little left in the envelope.  I set aside $100 a month generally in this envelope.  I will set aside an additional $100 the following payday, too.  I don't like to run that envelope so close to bone.

I didn't end up planting any seeds yesterday, but we did get the wire hoops cut to size and put into the bed and then measured out and fitted the netting to the hoops.  We hand watered, too.  It was still pretty hot and it just sapped your strength.  Today is 68 and much cooler so we will try to get it done.  My soaker hose is supposed to arrive today.  I got it for the bed that has the tomatoes, peppers, and summer squash in it, because those don't like to get their leaves wet and will get blight if they are wet too much.  This way I can water at the base and not have to worry about that.

If I like the way the soaker hose works I will order them for the other beds, too.  I want to see how great the coverage is with it.  A soaker is the type that beads out water droplets not sprays them out.  That's a drip hose.  People get them confused, understandably, and then complain on Amazon reviews because it doesn't work the way they thought it would because they ordered the wrong thing.  A simple reading of the description would tell them.  But the whiney reveiws were actually helpful because I knew for sure it would do what I wanted it to do.

Tomorrow is my MRI on my back.  Since the 20 weeks of physical therapy did nothing to improve things, they are now looking for disc issues, most likely a slipped disc.  It would be nice to have an answer and maybe a better course of treatment.  I really don't want to be on pain killers the rest of my life.  It addles my mind.

We finished building the second 21 foot long raised bed on the weekend and worked on getting it filled up on Monday.  We let it settle and my intention was to plant it on Tuesday, but it was 86 degrees for most of the day.  It finally cooled off enough to be outside around 8:30.  DS and I transplanted the onions out of the totes I was growing them in.  I gave them a deep watering and will water again tonight.  We did get the rest of the blackberries planted, too.

By the time we were done moving the onions the sun was almost down, so I didn't get to plant any seeds.  It is hot again today, but not nearly as awful, so I will go out after dinner and plant seeds for carrots, radishes, parsnips, broccoli, cauliflower, and kohlrabi.  I am only going to do one row of cauliflower.  Last year was the first time I was able to successfully grow it and I'm still a little hesitant to plant more after years of failures.  Since I only have the two beds for now, I'd rather not risk much.

DH isn't going to have time to work on the third bed for probably a couple of weeks.  He's got a lot of overtime planned.  The next paycheck should be a very good one.  I can plant more broccoli and perhaps cauliflower then for the freezer.  And I'll sow more carrots for canning.

We've been picking strawberries for a week now.  There hasn't been much, enough for everyone to have one every other day, but a lot are ripening.  They are very good berries.

I still have to plant the sweet potatoes.  I got a 90 day variety called Beuregard.  I have the slips in water in a window.  I am going to grow them in big round totes, with trellising for the vines to grow up.  I'll put the totes on black plastic, because I don't want the runners escaping out of the tote and going into the ground.  The whole point of growing this way is to avoid digging in the ground.  We'll set the totes up where the fourth bed will go.  That way we can build the bed around it and next year have a fourth one ready to go.  As well as a fifth and sixth one.

Next year we'll really be able to grow a lot of food.  This year it will mostly be eating fresh from the garden with some to can and freeze, but not enough.  Still, it should lower food costs July through April and that money can go to save for pork and chicken bulk purchases.  And I should have harvestable lettuce in a couple of weeks and radishes in 3 to 4.  It will be nice when I can just cut the grocery budget in half for most of the summer.

In my freezer soon.  Today the farmer I am getting my steer from asked if I could get one early, in 2 to 3 weeks as he had a sale fall through for an earlier butcher date.  I said sure and wrote out the check for the $400 deposit and will get it in the mail tomorrow.  We are eating down the chest freezer at a rapid pace and I think we will have plenty of space in that amount of time.  If not, I'll have to can some meat.  I'll be using the plethora of soup bones to make stock to can, which will free up more space.

I was really happy to hear that we can get it early after the cyberattack on the nation's biggest beef manufacturing plant has reduced our capacity by 20%.  This is going to impact the food supply hard.  Not just beef, but likely pork and chicken as people buy more of them to replace their beef intake, causing a greater demand and a higher price because of it.  We'll see if the supply chain can handle it.  If you can afford it stock your freezers, people.  Can if you know how.  Fish and freeze if you are able.  It's going to be a bumpy ride.  It may not hit for a few weeks, but it will hit.  If you've been thinking about buying wholesale off the farm, it is probably time.

Retirement has gone up by $2010.42 bringing it to $54,175.12.  That does not count today's contributions as they have not posted to the account yet.  Not sure how much that will be, either as DH had over time on this paycheck.  Some around $900, I think.

They dumped more company stock in as well.  I'm not allowed to say how many shares we own or what a share is worth, but the value of the new stock we own has increased our net worth by $4483.04.  Company stock can only be sold back at retirement and then it is 1/3 at retirement, 1/3 after a year, and 1/3 after two years post retirement.

With the amount added to the EF our net worth has risen by $7039.52, bringing it to a grand total of $108,466.40.

$16,125.22 Starting Balance

+__,146.06 Amount Added

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

$16,271.28 New Balance

I had $60 left in the grocery envelope so I transferred that to the meat fund.  $31 topped off the beef fund portion and now I am saving for half a hog, so there is $29 towards that.  Total money in the meat fund is $3667.

Until today I think I went about two weeks between posting.  I had my colonoscopy/endoscopy on the 3rd and it really threw me for a loop.  They gave me ketamine.  The anesthesiologist says it was the highest dose he had ever given anyone in his career.  I was in a lot of pain and kept waking up.  I don't remember being in pain, but I do remember waking up once and going ow, ow, ow, ow, ow, ow, ow, ow, then nothing.

I think a lot of the pain had to do with the position I had to lay in, which was on my worst hip and worst shoulder and it put pressure on my degenerative discs, as well.  But when I woke up my fibromyalgia pain was gone.  I had been in the middle of a bad flare up and it was the weirdest thing in the world.  Usually my pain background level is a 6 or 7 out of 10 and the really bad days can go up to a 10.  I woke up at about a 3 and it was very specifically the degerative discs and the joints with arthiritis in them.  And high as a kite.  It was so weird to be at such a low level of pain.  I'd forgotten what it was like to not have the fibro pain.

The high lasted a good 48 hours and then I was just kind of dissociative for another couple of days before I felt like I was in my right mind again.  The fibromyalgia pain has not come back yet.  It will, but for now it is turned off and I am getting stuff done.

My daughter had her lumbar puncture on the 7th and her spinal fluid pressure was super high.  It was supposed to be a 20 and it was at 44.  She was given a new medication to start on, but we had to consult with her neurologist because she is on another medicine that does not play well with others.  It is generally a drug that needs to be weaned from if you take it for epilepsy, but she takes it for migraine.  So we are waiting to hear back, but of course, the neuro doc is out of the office for the rest of the week.

They were going to see if they could consult someone else, but even if they do, that person may decide it still needs to be a consult with her neuro doc first.  So we may get nothing until Monday.  She can't start the new drug until we find out and she really, really needs to start it because her pressure is building up again.

People always go on vacation at the least convenient times, I've found, for our medical needs.  Ah, well, what are you going to do, but wait it out?

Once she does start this medication it should help her significantly.

My chiropractor mentioned the other day that they are testing a new fibromyalgia drug that is supposed to be really promising and they are looking for volunteers.  I have to look it up and see if I can find out about it.  I wouldn't mind being in a trial and neither would DD.

My husband, son, and I are all scheduled to get our first dose of the Covid vaccine on Sunday and then DD is scheduled for the 25th (she wanted a late afternoon appointment and that was the soonest they had).  We'll be getting the Moderna vaccine.  I will be glad to have that done with.

We have hit our out of pocket max on medical so now all of that is covered for the rest of the year.  We hit it before the above procedures so those were completely covered.  I will still be putting money into the medical fund, though.  DD still needs to get a pair of glasses.  We were waiting until this stuff was resolved.  And then DS needs braces.  We'll be doing Invisilign.  I have $3000 saved for that so far.  We have to go in and do a consult and get an estimate, but it will probably be around $6000 based on what I am seeing online.  Which I can save by the end of the year if I put $400 per payday into the Medical Fund starting next week.

I don't want to go into debt for it.  I am hoping the orthodontist is willing to start with $3000 up front and then either do a pay as you go or wait until January for the rest.  When DD had her braces the doc we went to wanted half up front and then the rest paid off in the following 3 months which was very hard on the budget and that was when we had 50% coverage on insurance.  We have no coverage now with the dental we have.

I had been hoping to use that money for our deductible and out of pocket max for 2022, but such is life.  We just never get ahead when it comes to medical expenses.  But at least we break even.

I need to get the ball rolling on trying to get DD on disability.  She's got hypothyroid, secondary adrenal insufficiency which makes her steroid dependent, ideopathic intercranial hypertension (too much spinal fluid on the brain), fibromyalgia, bulging discs in her back, traumatic brain injury, Raynaud's Syndrome, and Sjogren's disease.

I think she should qualify and then there would be that money to use towards her medical expenses as well as to give her a little something for herself.  We can handle the living expenses, it's her medical that has us barely making progress towards our goals.  She has to go off our insurance at 26.  I don't know if there is any provision for her staying on longer because she is disabled, other than 18 months of COBRA.  DH is supposed to check into that and what qualifies for it.

I am not sure if going on disability also qualifies a person for a government insurance like medicare or the other one, but we might be able to afford a policy for her with the disability at least.  That's what she wants it to go towards if she can get it, her medical expenses.  A private policy would probably be better just because so many doctors don't take medicare or the like and you are often relegated to a lesser standard of care because of it.  That has been my experience with Mom anyway.  It would help if there weren't so many run away costs in medical treatment.

Anyway, other than that we've been working hard in building the garden.  It is going slower than planned, but is starting to come together.  Once we make a bit more progress I'll post photos or a video link or something.

I've also been reading now that I have functional glasses.  I'm on my third book in 4 weeks, which may not seem like a lot to the avid readers around here, but for me, it is.  The first book I read this year took me 3 months because my glasses were so bad and it wasn't easy to read.  This is so much better, now that they raised the reading line a couple of mm.  It's such a tiny amount, but it has made a world of difference.

They are saying the library might open up on a limited schedule shortly.  I hope so.  I like to browse and by then I will be fully vaccinated.  You just don't stumble across books that might be gems if you have to know what you are looking for to reserve online.  I like the books I wasn't looking for.  Those are some of the best.

It is also looking hopeful that the fair will run this year.  They didn't have it last year and it was a major bummer for the community.

Not much else going on here.

$285.83 Tithe

_500.00 Utilities

_400.00 Grocery Envelope

_300.00 Medical Fund

_100.00 Household Envelope

_118.17 Internet

_280.00 Monthly Chiropractic Family Plan

__65.90 Garbage

_150.00 Car Insurance

_300.00 Gas Money

_100.00 Spending Money for Adults

135.00 Allowances for Kids

_116.93 Citi

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

2851.83 Total Money Out

$15,880.55 Starting Balance

+__,244.67 Amount Added

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

$16,125.22 New Balance

That means I have $6,107.64 left to save to hit 6 months of expenses, which is my next goal.  That will put the EF at $22,232.86.  I'd like to make that by year's end, but I think it is going to be closer to February unless DH gets quite a bit of overtime or a really good Christmas bonus.

Ultimately, though, I have a goal of 6 month's take home pay, not just 6 month's expenses.  That would be a little over $36,000, which is an additional $13,767.14.  That's likely take an additional 18 months, so around 2 years and 2 months from now I should hit that, barring OT or raises.  Raises are unlikely as they have a wage freeze going on at DH's work.  He hasn't gotten one in over 2 years.  Normally this is a place that gives yearly merit raises, but Covid hit hard.  It could be another year before they unfreeze wages.  They have started to rehire some of the people that were laid off, so that is promising.

I am $31 short of the highest estimate on the beef costs, based on a 750 to 850 pound hanging weight.  With the $2000 I had set aside previously added to the money I've been scrimping out of the grocery budget I am almost there.  I need $3638 total and after the $179 I saved out of the last grocery envelope, I am at $3607.  And from my experience, farmer's always estimate high, but the hanging weight actually tends to be lower.  So it is more likely it will be closer to 750 pounds than 850 pounds.  I've also reserved my beef.  I am getting a whole with a butcher date of either late July or early August (he's got two dates for two different sets of steers).

Vacation was nice, but back to reality.

$309.15 Tithe

_400.00 Grocery Envelope

_300.00 Medical Fund

__75.00 Household Envelope

_100.00 Gas Money

_100.00 Adults' Blow Money

_130.00 DS's Allowance

__40.00 DD's Allowance

_401.00 Clothing for DD and DS

_400.00 Lawnmower/Yard Fund

_100.00 Car Maintenance Fund

_506.32 Emergency Fund

-599.87 Citi

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

3061.34 Total Money Out

The EF deposit puts us at only needing $6,241.21 to hit our goal of 6 month's expenses.  I'd like to make that by the end of the year, but who knows?  It really depends on overtime.  But that was the choice we made when we decided to put 15% into retirement now instead of after the EF was funded to 6 months.

One good note is we have hit our out of pocket max on medical for the family so my colonoscopy/endoscopy, which was rescheduled to Monday, will be free.  And we still have $635.25 in our FSA which can go towards DD's glasses or dental.  I have $600 in the Medical Fund, too, and will continue to save for that towards next year's deductible and out of pocket max.

DS is going to need braces, but with what he has, he can do Invisalign or the like, which will be cheaper.  Not that anything is cheap when it comes to orthodontics.  After DD has her lumbar puncture on the 7th, I will look into getting a consult.  We will also be able to get our Covid vaccines after the 7th.  We'll be getting the Moderna one, even though it throws you down the stairs on the second dose if you have an overactive immune system and sometimes if you don't.  After doing my research, I still feel it is the best of the ones available for someone with autoimmune diseases.

I was finally able to make a substantial deposit into the Emergency Fund this week.  This is a 3 paycheck month so I had some extra money that wasn't allocated for anything else.  This tips our net worth over the $100K mark to $100,182.21, so a big milestone goal met there.

$15,374.23 Beginning Balance

+__,506.32 Amount Added

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

$15,880.55 New Balance

I also had a lot left in the grocery envelope when I re-funded it today, so I transferred that into the Meat Fund.  We are getting closer and closer to being able to pay for a full beef for the freezer by summer's end.  I've been working on eating down the chest freezer so we will have room, which means I haven't bought too much in the way of groceries.  It was definitely why I was able to save over half of the two week grocery budget this last time.

$1224.00 Starting Balance

+_204.00 Leftover Grocery Money

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

$1428.00 New Balance

This is a very woo hoo retirement update.  Since my update on April 7th, our retirement has gone up by $2,548.36.  Only $798.00 of that was contributions from us and work.  That's $1,749.48 in pure interest in ten days.  We blew right past our first milestone goal of $50K this week.  The new balance of our retirement accounts is $52,164.70.  The new total of our net worth is $99,675.89.  Getting real close to the next milestone there.

Well, DD did not get her lumbar puncture because the person who was going to perform it chickened out and decided she had too many problems for him to feel comfortable doing the lumbar puncture.  Even though we stated every possible medical issue she had at the time of scheduling the appointment and were assured that it would be no problem.  I double checked the day before because we have had issues in the past with this hospital.  Again we were assured everything was fine.  But when we actually get there they decide nope, too risky.  They wasted our time, made us get her cleared medically by a doctor the week before (an expense), made her got a covid test (another expense), delayed a necessary medical procedure, and thus treatment, and flat out ticked me off.  If they try to charge us even one cent for this I am going to raise holy heck.

Her doctor was angrier than I was about this.  He said what they did to her was unprofessional and discriminatory and he tore someone a new one.  He also had double checked about all her medical issues ahead of time.  So we have a referral in to Virginia Mason and it will be at least a week before we hear from them and then who knows when we can get the appointment scheduled.  I hate our local hospital.  Hate them.  Except the ER staff.  Virginia Mason has never been anything but a pleasant, caring experience.  Hopefully the pressure on her eyes does not make her go temporarily blind in the meanwhile.  It's already causing tunnel vision.  It's not permanent, but...

Deep breaths.  Anyhow, the news on BIL is very good.  While he is still weak he is laughing and talking and eating and well on his way to recovery.  He will still be in the hospital quite a while yet.  Sister won't be able to see him for 8 more days.  I'm not sure if that is because she is still under quarantine herself, or if it is because he hasn't tested negative yet.  I am thinking the latter because I think her quarantine is almost up.  It's pretty hard for her because she is not used to being away from him.  But they can communicate over computer now with video calls so that is an improvement.

I rolled my coins and was able to deposit $10.50 into the Emegency Fund.  It's not a lot and it is most likely all we are going to be putting in this month, what with all the outlay for building the new garden.  I should be able to start making more regular deposits into the EF starting in May.

$15,363.73 Previous Balance

+__,_10.50 Rolled Coin

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

$15,374.23 New Balance

As for the Beef Fund, there was $63 left in the grocery envelope when I re-funded it today, so that was transferred to the Beef Fund envelope.

$1161.00 Previous Balance

+__63.00 Amount Added

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

$1224.00 New Balance

I do have an extra $1000 set aside just in case I don't meet my Beef Fund goal in time to buy a full steer by the end of the summer, but I really want to try to meet it by doing what I am doing so that maybe that can be allocated elsewhere.