Lucky Robin's Personal Finance Blog

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.

BIL has been improving every day.  Yesterday they were able to take out the feeding tube and today he was able to sit up and talk and eat.  They have moved him out of ICU.  He will still have to stay in the hospital, but there is no more talk of him not surviving.

On the 13th at 1:30 p.m. PDT my daughter has a lumbar puncture.  That's tomorrow, but the time stamp here is never right so putting the real date.  If you can keep her in your prayers that would be great.  Hopefully we will get the answers we need regarding the excess spinal fluid on the brain.  If it is what they think it is, it is treatable with medication.  If it is not we are back to square one.

It was 15 years ago that I started this blog.  It took a little over 14 years and 2 months of that time to get out of debt.  I really never thought I'd wake up one day and actually be here.  It was all so overwhelming.  We kept plugging and kept plugging and even took on new debt in there a couple of times, but eventually we stopped that and got where we needed to be.  The freedom from it is like no other.  And I don't think I would have made it without this blog and all the support I have recieved along the way.  Thank you for thinking my blog was interesting enough to give me nearly 83 million visits along the decade and a half I've been here.  I appreciate it.

Retirement has gone up to $49,614.34 after the contributions hit the account today.  That is a rise of $1582.39 since the last update.  Getting closer and closer to that $50K milestone, just $385.66 to go.  I'm also getting pretty close to the $100K net worth milestone, too.  Just $2882.97 to go to hit that.

My middle sister has been badly ill for the last two weeks and I had been trying to get her to go the hospital for the last week, because I suspected Covid based on her symptoms and based on what we had been through in March of last year with it.  Well, her husband came down with it as well and while it looks like she is going to come out of it, she is now under quarantine.  BIL on the other hand had to be flown to Portland.  He's got severe sleep apnea and the little hospital in the tiny Washington town did not have the resources to treat him.  It is not looking very good for him.  I wish they'd taken him to Vancouver or Seattle instead.  Portland is a very dangerous city to be in these days.

So we don't know if BIL is going to make it.  My sister is 56 years old.  That is awfully young to become a widow.  Hopefully that will not be the case.  Prayers would be appreciated.

My sister, well both of them, really, have been very anti-Covid vaccine.  While I am wary, I am willing.  They've never been anti-vaccine before with standard vaccines.  I know this is a whole different type of vaccine, that we know very little about it because there is no history, but I don't think it is population control or the mark of the beast or any of that.  I don't know when my sisters went all conspiracy theory.  I mean, don't get me wrong, I enjoy a good conspiracy theory, but I don't really believe any of them.  I wonder if getting the virus will change their minds at all.

I just hope that they will be able to afford all this.  Being airlifted is expensive without insurance, but BIL is on disability so he might be on government insurance, too.  And most major hospitals have charitable assistance programs.

I believe sister has life insurance on him.  At least I hope she does.  It's been crazy these last couple of weeks.  Hopefully it will all work out, but who knows.  With sister living so far away, it is not like we can be there for her.  At least her landlords will be taking care of her while she is in quarantine, bringing groceries and making sure she is alive every day.

I hate this virus.

MIL took her 401K disbursement for the year.  She gave us $3000 for medical (paying for the surgery daughter had) and $5000 as a gift.  I put $2K into the EF.  My goal for the year is to get to $22,121.86.  I have $6869.13 to go to hit that and 9 months to do it in.  That will put us at 6 month's expenses.  I still would like to get to six month's income, but that is a goal for 2022 and 2023.

$13,363.73 Beginning Balance

+_2,000.00 Amount Added

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

$15,363.73 New Balance

My eldest sister moved out yesterday.  Not without almost coming to blows with Mom.  I say that, but I don't mean they would have physically fought.  It was a pretty strong verbal one, though.  My sister had a small stack of things she did not want to send with the movers and my mother wanted them to go with the movers instead of waiting a couple hours for my sister to come back and transport them in the car.  Mom couldn't get it through her head that my sister didn't want to send her personal documents, jewelry, laptop, and other most special items with the movers and wanted to move them herself in her car.  Some things you don't want to risk having misplaced, buried by boxes, or stolen.  It's like she's trying to slam the door on her on the way out.

Eldest sis will be much happier out of here.  Mom's been really petty and vindictive about her staying here even though she was invited to stay here.  They just don't get along well and it isn't my sister's fault.  She's never been able to get along with Mom since she hit high school on.  Even at 61 she can't.  I don't blame here, though.  Mom picks at her constantly.

She will be living in a small efficiency apartment 2 miles away.  It's a cute little apartment complex with one on the corner that always goes all out to decorate for the holidays.  I love driving past there to see whatever new thing they've got up.  Right now it is still leprechauns, but won't be much longer. Probably won't see anything else until they decorate for Easter.

Anyway, sis is safely out of Mom's war path and things seem to have settled around here.  My nephew (from my middle sister) is still living here, but I think he is getting close to proposing to his girlfriend.  She isn't allowed to live here, not even if they get married, so he would be moving out.  He's not got a job, though.  He has been living on his savings since he moved in here and could probably do so for another year.

I think he needs to get going on his life, though, get back into the work force., move out and marry this girl.  He'll be 30 in April.  We have fully reopened here, so it really is time for him to go get a new job.  It's one thing when a sixteen year old wants to play video games all day, every day.  It is kind of sad when someone his age actually does it for six months straight.  He doesn't help around the place, which is mostly what irritates me.  If you live in a household, you should contribute to it.

I have qualified for the Covid vaccine and so has my daughter, but not my husband and son.  I'm not sure when that will happen though.  DD needs to get a lumbar puncture soon due to issues with her spinal fluid putting pressure on her brain and eyes.  And I will be having the full roto rooter now that I'm over fifty.  I'm scheduled on April 20th.  I should have had it done last year, but Covid happened.  Not really looking forward to not eating for 24 hours and drinking that junk that makes me sick.  I've had an endoscopy before, but never a colonoscopy.

I need to schedule a mammogram in there at some point, too.  I haven't had one since I was 45.  Once we know when the lumbar puncture is, we can figure out when to get the vaccine.  Plus DH and I are going away for a little vacation on the 23rd of April to the cottage by the sea.  I need to get away from here and recharge by the water for my own mental health.  So it might not be gotten until May unless we can fit both injections around everything else.  I'm not really in a rush unless they start requiring it to enter businesses or something.  We go out so little, just to grocery shop and go to the appointments.  But we will get it when we can figure out the time.

Or I may go sooner and we wait a little more for DD.  Might not be a bad idea if we have a bad reaction and go down for a day like some people (my physical therapist had to go to bed for 24 hours after her second shot, but no one else she knows who got it has), to not do it on the same day so I can take care of her if it happens to her.  People with autoimmune dieseases like us are a little more prone to that reaction.

I have to go and pick up my new lenses tomrrow for my glasses.  They didn't measure right and the reading portion is so small I have to tilt my head up, but then look down through the bottom to even read.  Either that or literally hold them up an inch.  So no, that was getting fixed.  I had to go back 3 times before they would do it, kept trying to adjust the arms to fit better, but it didn't.  I do get one free remake with what I purchased, so hopefully nothing else bad happens.  I had a lot of issues with the coating on the last pair.  I will just be glad to have it sorted out and see if I can read comfortably again.  If not, I may just get a pair of prescription reading glasses made with my old frames.  But hopefully not and it will all just go well.

I just spent about a half an hour setting up April's budget spreadsheet.  It is a 3 paycheck month which means there will be some extra money and I wanted to make sure I had everything allotted for.  I'll be using the extra to put $400 into the Clothing Fund, $400 into the Gift/Christmas Fund, and $546.87 into the Emergency Fund.  The rest will be grocery, medical, household, gas money, and allowances.

The first paycheck in May will be on the 14th and no bills are due until the 21st, so I get to shift some things that were previously coming out of the last paycheck of the month to the first paycheck of the month.  My budget is a living document, constantly shifting, since I budget for the month but we get paid every two weeks.

DH did manage to get his hours in this week even though things were not up and running until Friday.  I don't remember if I mentioned it here or not, but his work got hacked and infected so they couldn't be online for many days.  He did what he could at home and saving to his hard drive, but last week had to take a vacation day.  This week he didn't.

Since it is working now, he is working the weekend and is authorized for ten hours of OT this week, which will be nice on the next paycheck.  If I did the math right it should be around $1017 extra.  But I might not have it quite right due to taxes.  Anyway, we will pay for 3 fishing and shellfish licenses and with what is left at least half of that will hit the Emergency Fund and then half will go into the Beef Fund, which should put us at enough to buy a full grassfed beef and start saving towards a pasture raised lamb.  Not sure about pork.  It hasn't set well with me this year unless it was bacon, ham, pepperoni, or sausage.

I finally got my new social security card last month so I can now get my fishing license this year.  It's a mess, because when I first got a license in the 90's they wrote down the social security number wrong.  So when I went to apply for a license two years ago I couldn't get one without my social security card which I had misplaced somewhere in the house years ago.

I wasn't doing that great that year so just decided to deal with it before the next season.  Well, that was 2020 and social security was closed for a good portion of 2020.  You just couldn't apply for a new card.  Then I finally applied for a card at the end of summer when they reopened and waited the six weeks and it never came.  Turned out they never sent it.  But they closed down again for some particularly bad covid weeks.  And of course once it was working, you can't apply during non business hours, which is so bizarre, so I didn't think about it at the right time of day.  Once I could apply again and remembered at the right time of day, I did and the card finally came in February.  So now I can get the darn fishing license.  What a pain that has been, just because some person transposed one digit on my 90's application.

I want to fill the mini-freezer with spot prawns, crab, salmon, trout, and cod.  With 3 of us fishing that should happen a lot faster.  At least if stuff goes as well as usual.  The guy who takes us out on the boat is DH's boss.  I am going to have him teach me how to gut a fish.  It's a skill I would like to learn.  He always does it, but I want to know in case we ever go fishing without him in the future.  That and how to remove the gills.  I've watched videos, but I think in person is always better.  DS said he will teach me how to fillet.  I've filleted chicken breast off the bone, but never fish.  DH isn't good at it, so I will definitely take DS up on his offer.

$13,325.73 Beginning Balance

+__,_37.49 Allstate Safe Driver's Refund

+__,___.51 Lousianna Pacific Stock Divident Payment

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

$13,363.73 New Balance

My husband, son, and I spent a few hours working in the garden before the son went down.  My son was weeding the strip beside the house where we will be planting the blackberry bushes.  He got a 4 x 2 foot area and a 4 x 3 foot area weeded.  These are the nasty weeds that are really hard to get out because they have runners.

My husband got the garden bed empty that was so heavily invested with morning glory.  The root structure in there was unbelievable.  The three sides to the bed still need to be taken down, but he was beat after that, so that is a project for the next nice day we have.  It's supposed to rain tomorrow but be overcast only on Friday.  And then rain for the forseeable future.

I was working on digging up and dividing strawberries.  It took me about 3 hours, but we have quite a tidy amount to sell and I've expanded the ones we are keeping to fill a 12 by 4 foot garden bed with four rows.  I filled 4 garbage cans that I grew tomatoes in last year and then 3 more containers.  There will be lots of strawberries this year for fresh eating, jam, and freezing.  I should be able to sell 4 dozen plants at a dollar a plant.

I'll be able to divide both my peppermint, lemon balm, thyme and spearmint this year.  And I've got some more fennel volunteers that can be sold.  And I can divide my bee balm and plant it in a couple of locations.  We will also be selling raspberry plants because we have way too many plants based on how many people actually eat raspberries.  We will keep a few of the thornless ones and plant them in a different area away from the fence, so we can see if the morning glory starts creeping over from the neighbor's yard again and do something about it before it gets into ours.

I got a check in the mail today from Allstate for the safe driver's refund.  It's for $37.49.  I will deposit it on Friday (payday) and send it to the EF.  I am starting to think maybe we will hit the original goal for the EF for this year after all.  Wouldn't that be something?