Lucky Robin's Personal Finance Blog

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

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$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

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$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?

In the first time in forever I have a large deposit to make to the EF.  This is a portion of the stimulus we recieved.

$11,325.73 Beginning Balance

+_2,000.00 Amount Added

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

$13,325.73 New Balance

The retirement plans seem to have recovered from the chaos that was last week.  The new balance is $48,301.95, a rise of $1,228.61 since March 3rd.  $770 of that was contributions, so $458.61 was pure interest.  I really don't like the volatility since January, but what are you going to do?  We invest for the long-term.  I have the choice of looking at the roller coaster or ignoring it and I'd rather look.  I am looking forward to it hitting $50K, hopefully sooner rather than later.  But whatever happens, happens.

Our income tax refund of $809 was deposited into our account on Wednesday and I just checked and our stimulus payment is pending for next Wednesday.  We got the full amount for us and our dependents of $5600.  That's $6409 to work with.  This is what I am planning.

$641.00 10% donation to the local Christian Homeless Shelter

1350.00 Handicapped Ramp Fund

1000.00 Vacation Fund

_500.00 Meat Fund

_500.00 Miscellaneous Fun

2000.00 Emergency Fund

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$5991.00 Total

That will leave us with $418.00.  I am not sure DH will get all of his hours in this week.  They are having a cyber security issue that isn't allowing anyone to work online.  He is doing what he can and saving it to his hard drive, but there is a lot of sending around of drawings for checks that can't happen if you can't send them around or can't even send them in to the office to be printed out because of this.  So I will be holding on to that money in case the paycheck is short.

This will finish off the Handicapped Ramp Fund so we will be able to order one for the front door.  Our share is $1750.  This one is twice as much as almost triple the amount of the back door because it will go down the frong of the house from the steps, then there will be a platform for a turnaround and it will go all the way back the length of the first ramp to the ground and end in front of the steps.  It's a lot of money, but these ramps don't have to be maintained like wood ramps do.  It mostly just needs to be swept periodically and pressure washed a couple times a year since it is aluminum.  Wooden ones will rot out on the pilings after five to ten years, so those would have to be replaced frequently) and would require staining or repainting every few years.

It will nice to have a good bump in the Emergency Fund and to pay for a little vacation for DH and me to get away to the cottage by the sea we've gone to twice now.  He will be taking several days off in April.  Part of them will be spent getting the garden up and going and then we will go away for a few days.

MIL is talking about taking us on a family vacation by the water as well.  It probably wouldn't be until September or October, after the summer is done, but still nice enough out to cook on the BBQ and walk on the beach.  And soak in the outdoor hot tub.

DD wants a web cam.  She is the only one who doesn't have one, so we are going to pick her up a cheap one.  She starts online therapy next week, so this way she can do it in her own room instead of mine and with my laptop.  Her brother was just diagnosed with ADHD and we think she has it, too.  But it is a process.  First counseling, then a psychologist, and then the psychiatrist who can prescribe meds.

I also think I might have it.  Girls and women present differently than boys and men do, but as I was filling out all the forms during DS's drug trial I felt like I had a lot of the same issues.  Each week we had to fill out a sheet based on symptoms during a four week trial of adderall.  Except it was a blind study so two weeks were placebo, one week was 5 mg and one week was 10 mg.  He had to fill out his own forms based on his opinion and I had to do one based on mine.  Every time I filled it out, I was thinking I really have a lot of this stuff, too.  I always thought it was the fibro fog and the last brain injury, but now I have to wonder.

So once we DD gets through all this, I am going to talk to my doctor about it.  I've been thinking I might be needing anti-depressants again for a while.  I haven't needed them for about 15 years and never needed them for more than a year at time, but I kind of feel maybe I do.  Or maybe it is just fibro.  But I'd like to see about it, you know?  Because it is not normal to want to stay in bed and sleep all the time, even with fibromyalgia and rheumatoid arthritis.

I am still following a meal plan pretty closely to keep food costs down.  I haven't posted them for a while.  As you know my normal grocery budget is $400 every two weeks for an adult family of four.  My goal has been to save $100 out of that into my fund to buy a side of beef, or maybe a whole one, by the end of summer.  I also save any extra from that grocery budget that I didn't spend.  For the month of February I was able to save $242 into my Beef Fund, bringing the total to $1002 saved so far.

Day One:  BBQ Pork Ribs (Hak's Organic BBQ sauce), baked potatoes, Normandy vegetables, apples

Day Two:  Mexican Food, MIL's treat

Day Three:  Gluten Free Baked Lasagna, salad

Day Four:  4 Meat Meatloaf, fried potatoes, green beans, apples

Day Five:  Homemade gluten free Pizza with pepperoni, ham, sausage, red onions, bell peppers, and fresh basil, pineapple

Day Six:  Chicken stew with parsnips, sweet potatoes, potates, celery, onions, garlic, thyme, poultry seasoning, salt and pepper, broccoli, and oranges

Day Seven:  Beef Chuck Roast, baked sweet potatoes, green beans, bananas

We had a whopping $2.75 in savings account interest this month.  I've added it the Emergency Fund.

$11,322.98 Previous Balance

+__,__2.75 Interest Added

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$11,325.73 New Balance

DH got a decent end of year bonus finally of $682 put into the 401k so our retirement account grew quite a bit despite some major ups and downs (more downs than ups) last week.  It now sits at $46,803.34.  That is an increase of $719.30 since my last update.  I really don't like the lack of stability in the stock market since the Syria bombing.  I know it always gets volatile when something like that happens, but I am hoping it will settle down soon.

There has not been much going on here these days.  We haven't spent any money and we haven't gone anywhere other than to appointments.  I am keeping my mind busy, though.  I decided to learn Italian.  I have been at it for five days and am thoroughly enjoying myself.  I have absolutely no problem with getting the accent right according to Duolingo.

I had learned French in high school and Spanish in college, but I never really enjoyed them.  I always wanted to learn Italian, but it wasn't offered.  I just love Italy and Italian food and really want to go there some day.  I am finding I am picking it up quickly and I really like learning it.

My knowledge of the two romantic languages I have learned does help some, but it also hinders a bit.  Especially when words are virtually identical, but pronounced differently like the Spanish and Italian word for chicken, pollo.  The first is like poyo and the second is like polo.  There are quite a lot of words that are similar to English, though.  Banana is spelled the same but pronounced differently.  Carota is carrot.  Pesce is fish which is the first part of pescetarian, but is said pesha.  It's kind of cool.

I hope I continue to like it.  It is work, but it really keeps my mind active.

DS is learning French (but he likes it), DD is brushing up on her Japanese, and DH is doing Irish gaelic.  I figured it was time I joined them.  And if we ever get to travel we can visit a good portion of the Western European countries and Japan and get around fairly well.  I had thought about learning Welsh, but the spelling would have killed me.

Our 401K contributions were finally added today.  Usually they go in on Friday, but not always.  The new amount in our retirement accounts is $46,084.04.  That is an increase of $833.56.  $770 of that was contributions, so only $63.86 was contributions.  If they'd have put it in on Friday it would have been 4 times that, but stuff fell a lot today.  Oh, well, it will rise again.

I haven't been posting much as I've been under the weather.  Both literally and figuratively.  We had a foot and a half of snow dumped on us on the 13th and 14th and the extreme cold caused a rheumatoid arthritis flare and a fibromyalgia flare at the same time.  Then I came down with a cold which feels like it might be heading into a sinus infection, because that's just how I roll.

Not much has been happening here, anyway.  I've been planning and purchasing online for the garden.  I've ordered my seed potatoes and my sweet potatoes for the summer.  I am going to be growing beauxregard (I think that is how it is spelled) sweet potatoes.  They are a 90 day sweet potato that does good in the north and stores well.  Most sweet potatoes take 120 to 150 days, so are not good candidates for here unless you have a green house.  I have not grown them before.  I hope they do well, because you can get a lot if you plant them properly.

For potatoes I ordered Kennebec, Yukon gold, red La Soda, and Gold Rush.  Kennebec and La Soda are good for long-term storage.  Under the right conditions they can last until the next growing season and our basement has the right conditions.  The others will be eaten fresh first as well as canned.

I've got five thornless blackberry canes coming and 3 huckleberry bushes.  I am pretty excited about both.  We took out the thorny blackberries two years ago and haven't had any since.  And I've wanted huckleberry bushes for ages.  I love huckleberries and they make a fantastic jam.  I don't know if there will be much production the first year, they said some, but I'm not sure how big the bushes will be.  They may be quite small considering I paid $25 for 3.

I am hoping we will get the seed starting station set up this weekend.  The grow lights have arrived so then all I would need was an extension cord, the seed starting trays and the starting mix to get going.  I'd like to start my peas, spinach, bunching onions, and lettuce immediately.  Then shortly after that the brassicas (broccoli, kohlrabi, cauliflower, kale).  In about two weeks I can start my sweet meat squash, tomatoes, melons, and zucchini so they will be ready to plant out at the start of May.

Also this weekend DH needs to go to the industrial part of town and look for free pallets, since we will be building our beds out of pallet wood.  Once a couple of the beds are built we can start filling them with spoiled hay and free one year old horse manure.  Plus whatever is in the compost bins and any branch trimmings from the rose bushes and apple trees (once it is warm enough to prune them).  Then we'll top them off with good garden soil.

My method of gardening is a cross between hugelkulture, permacutlture, raised beds, French biointensive, and lasagna gardening.  It works for me, but it takes a lot of biological input to build it all from scratch.  It's going to cost a lot to get it going, but after that it'll be down to just the cost of seeds each year and compost which I make a lot of myself.  And I can get as much free well-rotted horse manure as I need from the stables around here.  Which is great, since I no longer have rabbit manure available to me.

Building the fence and buying the cattle panels is what is going to cost a lot, but in the end it will all be worth it.

I had a sad, piddly little amount to add to the EF this week, but even so, it was something.  Most of what I would have put in  went towards gardening stuff, including three huckleberry bushes.  I've wanted those for a long time.  I just have to realize that the EF is not going to grow at the rate I had hoped.  There are too many other things on the agenda, including that handicaped ramp.  Still, anything is better than nothing.

$11,322.98 Previous Balance

+__,__5.29 Amount Added

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$11,328.27 New Balance

Every year I make up a food preservation plan, which is an overarching pantry plan, really.  I keep the previous year's plans so I can see what I planned before, what I actually achieved, and what I might want to do more or less of.  This includes a canning plan, a dehydrating plan, a freezer plan, and a long-term staples plan.  It's really quite in depth and when I make them up, I feel like I've got a really good handle on things for the coming year.

This year I will need to fill 1,316 jars, 626 quart jars, 28 pint and a half jars, 573 pint jars, and 89 pint and a half jars.  I have around 750 reusable canning lids, but will need to buy more and maybe some metal ones if I can find them.  I prefer metal ones for waterbath canning, but reusable for pressure canning.  They are supposed to be back in stock now, but there was huge shortage during 2020 due to people growing and canning a lot more food because they were worried about food shortages.  I think I have enough jars, but if I need to, I can store the culinary herbs, medicinal herbs, and teas I grow in take out soup containers or spaghetti sauce jars.

Knowing how much I want to do, helps me to plan how much of what I am going to plant in the garden, how much freezer space I will need, and how many mylar bags and food grade buckets I need to have on hand, and of course the aforementioned jars and lids.

All of this, if I can achieve it, should cut our grocery spending by half.  That is assuming a good growing season and a good harvest year.  It is worth it to me even though it is a lot of work.  When you have to eat gluten free and you don't want a ton of processed food in your diet, and you prefer organic, you have to find other ways of doing things so you can actually afford all that.

In my case, it turns me into a prepper, at least with food.  Not a crazy one, mind you, but like what our grandparents and great grandparents did, because they had to.  I will be most comfortable, especially in these days of pandemic, to have a year's supply on hand.  That is my ultimate goal.  We have been building it back since the year we had to use it almost all up when DH was unemployed for 10 months.

Anyway, if you would like to see my 2021 Food Preservation Plan I made a video of it. 

It was a bad week, followed by a good week for our retirement accounts and we ended up $1039.39 ahead.  $660 of that was contributions from us and $110 was contributions from DH's job.  That means $341.35 in interest.  I'm sure it would have been better without all the hedge fund nonsense with Gamestop and AMC stock.  It usually is.  Personally, I don't think hedge funds should be allowed to exist, I find them unethical, but I don't want the stock market tanking because people wanted to purposely set out to destroy the hedge funds either.  Just don't mess with my retirement accounts, people.

Anyway, we have broke $45K this week and the new balance in of all our retirement accounts (minus the company stock) is $45,250.18.  $50K is getting closer and closer.

I did manage to put a little into the Emergency Fund this paycheck.  Having to save for the handicapped ramp is putting a damper on how much I can put in probably through March.  But I am happy I at least put in a little.

$11,251.02 Previous Balance

+__,_71.96 Amount Added

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$11,322.98 New Balance

As you all know by now, we garden.  And it saves us a lot of money.  For the cost of a large packet of green bean seeds, I grow and can enough green beans for the whole year.  I grow enough corn for fresh eating and some for the freezer to have later in the year.  I grow and freeze enough zucchini most years to have it once a week all year.  And I grow enough tomatoes to do 52 pints of diced canned.

That's all well and good, but I need to grow enough for making tomato sauce and ketchup.  I need to grow enough broccoli for the freezer.  While I had a good potato harvest, it was not enough to get us through a year without buying.  And I skipped onions and long-storing winter squash last year.  And the amount of strawberries I grew was not enough.  Well, this year I need to grow enough of that, too.  And this year we'll be doing our own seed starting.

But first we needed to increase the size of the garden.  And we needed to start clean up on last year's garden.  We currently have a 20 x 48 foot garden, with 2 old broken down raised beds.  We need to finish tearing those out and then put black plastic over the entire area to kill the weeds.  Then we are going to bulid raised beds out of free pallet wood and use linseed oil to help preserve the wood, since it is not toxic.

And we needed to clear a new 20 x 20 foot plot just for the potatoes.  So that got weed eated, raked up, and then we put down black plastic on a 10 x 20 foot section.  We need to finish putting it down over the rest of that area as soon as we get another sunny day.

My son and I managed to get the corn stalks from last year pulled out as the ground was finally soft enough.  So our weed pile to take to the green dump is quite high.  The next nice day, the bean poles, vines, and strings need to come down, too, so we can weed eat that area and cover it all with black plastic.

It takes longer than you think to get the plastic put down properly and DH has to be available to help and not working.  At least the days are long enough to have his help for an hour or so after he is done with work for the day now.  And it will only keep lasting longer so stuff can really start getting done.  Presuming we have no freezes or snow in the meanwhile.

If you would like to see our progress I made a youtube video. 

I'm dead and my body is killing me, but we managed to make it to 3 grocery stores.  I was really careful to just get what was on the meal plan that I didn't already have, plus some gluten free desserts for the freezer.  I took $100 of the grocery budget and put it into the Beef Fund and that left me with $300 to spend during a two week period.  We have lots of meat in the freezer, so I barely bought any.

First up we went to Haggen and bought 3 tortilla chips, 2 buckwheat flour, 3 Campbell's cream of mushroom soup (for DH, no one else will touch it due to MSG and soy), 1 gluten free bread, 2 packets of gluten free doughnuts (maple and cinnamon sugar) and 1 packet of gluten free chocolate, cream-filled cupcakes for my upcoming birthday in a week, 2 1/2 gallon bottles of milk, 1 regular potato bread (for DH), 2 uncured ham chubs, 4 cucumbers, 2 greem onions, 2 radishes, 3 lbs of bananas, and 1 each red, yellow, and orange bell peppers.

I had a $10 off if you spent $50 or more and I also returned 3 milk bottles and got $6.00 back.  They charged us $121.96, but when we got out to the car we realized that they had not given us the markdown price on the hams, so back in we trudged and I got $9.20 back.  So the true price there was $112.76, which was very close to what we'd calculated.  DS tries to keep a running total, but their scales were a little off so we kind of had to guesstimate.

Then we stopped at Whole Foods and I just got a few things:  1 green bell pepper, soy free and gluten free Worcestershire sauce, soy free and gluten free BBQ sauce, clemintine oranges, regular oranges, zucchini, and veggie chips.  I only spent $25.23.  I forgot the gluten free penne, though.  I do have other gluten free pastas, so I don't think I will try to pick it up.  I can use tagliatelle in place of it in the chicken Alfredo the kids like to have made up as tv dinners.

Last we went to Winco and I really should have just bought all of my vegetables there, they are so much cheaper.  I bought 15 pounds of potatoes, 2 large Zoi full fat plain yogurt, 1 package dill, 2 bags of mixed vegetables, 1 whipped topping (for waffles next week), 1 box of DH's store brand Lucky Charms, 2 boxes of Honey Chex gluten free cereal, 4 yellow onions, 2 sweet onions, 1 lime, 1 store brand cream of mushroom soup (for DH to try, it is 86 cents a can, much cheaper), 8 jars alfredo sauce, black grapes, 4 garnet sweet potatoes, 1 pineapple, 4 roma tomatoes, 4 ambrosia apples (not in stores for very long), and 1 bunch of celery.  I paid $61.15.

So altogether I spent $199.14 out of my $300 budget.  I have $100.86 left if I need to pick up a couple of things before next payday, but I will try my best not to go back to the store for anything, but I may have to for bread, milk, and eggs.  It would be cool, if I could add an extra $50 to the Beef Fund on top of the other $100.  But I won't count my dollars before they hatch.

It hasn't been too bad getting used to less money coming in.  We are definitely being more disciplined with the budget and still not eating out, but we have adapted okay to having 15% taken out for retirement instead of 5%.  I honestly thought it would be harder than this, especially with so much more coming out for medical this year.

$271.23 Tithe

_500.00 Utilities

_300.00 Grocery Envelope

_100.00 Beef Fund

_300.00 Medical Fund

__75.00 Household Envelope

_118.17 Internet

__36.00 Garbage

_150.00 Car Insurance Fund

_100.00 Spending Money Adults

__90.00 Allowances Kids

_100.00 Clothing Envelope

_100.00 Gift/Christmas Envelope

_400.00 Handicapped Ramp Fund

__71.96 Emergency Fund

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

2712.36 Total Money Out

I had $40 left in the grocery envelope so I transferred that to the beef fund and I am going to attempt to only use $300 in grocery money this paycheck, so am starting with putting the extra $100 in the Beef Fund, but whether or not it will stay there is anyone's question.  I did make my list closely to my meal plan and we aren't buying any meat except ham because we have it in the freezer.

$760.00 Previous Balance

+140.00 Amount Added

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

$900.00 New Balance

I think the January Eat from the Pantry Challenge went really well overall.  The best result for me is I am down to 20.2 pounds lost and I think no eating out (except when MIL bought us a pizza), is what really increased the loss.  We were able to save $640 into the Beef Fund, bringing that to a total of $760.  I kept $60 of the budget for the days February 1st through 5th for whatever we needed to buy before payday hits on the 5th.

We spent $100 on groceries for the month, mostly oranges, and recovery foods for DD.  She needed some items I don't normally buy like lemon lime soda to settle her stomach while taking the Oxycodone, Welch's gelatine (like Jello, but not artificial dyes, no artificial flavors, and nothing else bad in it), pudding with no food dye, and a certain type of gluten free chip that seems to help mop up stomach acid in her case.  We also bought gluten free, bread, regular bread, and milk.

Of the $60 I didn't put into the beef fund, I have $40 left.  I went to the store yesterday and bought the 50 count bag of corn tortillas (and wow, have they gone up in price), pasture raised eggs, organic green onions (regular ones looked dinky), a bunch of organic cilantro, a lime, milk, and oranges.  I also took back 3 milk bottles so part of that was paid with that $6 back.  I don't think we will need to buy anything else before Friday, so I think the rest of that will go to the Beef Fund.

I learned a lot during the challenge and I am really glad I got control of our grocery spending.  My plan for this upcoming paycheck is to take $100 of our grocery budget and put it directly into the Beef Fund and then with the remaining $300 buy our groceries, with any left over at the end of the pay period also going into the Beef Fund.  If we can do that, even without any extra added, we should have $2300 for the Beef Fund, which ought to be enough to buy a half a beef and a half a hog, though I don't know about a lamb.  Or a whole beef.  Which might be better as I really only like bacon, ham, ribs, and sausage.  I mean, I'll eat the other parts, too, but I much prefer beef and chicken, followed by turkey and lamb.

I did put up a youtube video on my channel on what I learned from this challenge if anyone wants to watch and like, or even not watch and just let run.  I also put up weekly challenge videos if you want to see what I ate on the challenge.  My channel has been struggling during the last year due to changes in the youtube algorithms.  I'd like to get it back to where it was before all those changes. 

I'm going to have to put a pause on the Emergency Fund.  We need to come up with $1000 for a front door handicapped ramp.  Mom will pay half like she did for the back door ramp.  This was something we agreed to when we installed the first one.  I just wasn't expecting to have to do it for another year.  Two months of not putting money in the EF will pay for it.  Or we could use our tax refund, which I had meant to go for building the garden and then an additional $200.  I guess my goals for the year will be shot all to heck, but it is what it is.

I finally started writing again this week.  I had really gotten out of the habit, but if I ever want to get this book done, I need to actually write every day.  So that is my challenge for the month of February, to write every day.

$11,551.02 Previous Balance

+__,__2.49 Interest Added

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

$11,553.51 New Balance

Since we don't owe taxes after all, I moved the $300 I had saved towards that into the Emergency Fund.

$11,251.02 Previous Balance

+__,300.00 Amount Added

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

$11,551.02 New Balance

$8971.68 to go to hit my goal of $20,522.70, or expenses for six months.

With all of DH's messing around trying to figure out our taxes and freaking me out about owing taxes, once he actually got his forms from work with all the real numbers, we don't owe.  I couldn't figure out how we would have based on our withholdings, but at least we have the answer now.  He was just wrong.  Next time I'm just going to wait and not let him jump the gun and get me all worried for nothing.

We will be getting back around $800 and I'd like to ear mark some of that for the garden.  Not all of it, though.  Mom is getting all weird about the house and talking about splitting it three ways again instead of giving us the house and each sister getting $100K from a mortgage we would take out on it, so we've decided to precede as if we aren't getting the house after all.  I should have known she'd break her word.

It's hers to do what she wants with, even though my sisters have done nothing for her all these years.  She doesn't care about the fairness of that all being on me anymore, but suddenly she's worried about fairness in estate planning.  So I'm not going to build the cinderblock garden I had planned on if I don't get to use it for the rest of my life.  We'll use free pallet wood instead, paint it with linseed oil to protect it from the elements, and line it with black plastic to protect the inside wood from the dirt.  Each wall panel will be easily replaceable in the future as the dirt will hold it's shape if the wood is removed from one side.

I am trying to pray and be pragmatic, but I am getting awfully tired of Mom taking us for granted.

Hopefully we can get the 6 month EF fully funded by the end of the year and start working on a down payment for a house.  I know it'll take a long, long time, but hopefully we will have enough time before my mom dies that we can go into a house purchase and move before that happens without having to rent.