Part of why I overdid it yesterday was that I did have to go to the store. I needed cloth medical tape and it has to be a specific kind or I will have an allergic reaction (though even this kind itches a little). I thought I was doing okay enough that I could walk all the way to the back of the store as long as I was leaning on a grocery cart. Well, by the time that I did that and got back out to the car (Mom was driving me) I thought I was going to be sick. It passed, but I definitely should have ridden the little scooter around the store.

Anyway, I needed the cloth tape to hold on the gauze for wound care. Still had plenty of guaze, just been going through the tape like crazy, so I did end up with some money for the coin jar after all, $1.22.

I thought my follow up appointment was on Monday, but they just called to confirm and it's on Tuesday. Fortunately that works with my mother's schedule, but it also means I have to wait an extra day longer than I thought to get this drainage tube out and it itches!

I am fighting a very strong craving to order a pizza delivered, but I won't do it. I won't spend the $27.18 for that. Not this week anyway. I am going to go and have my daughter put the dough ingredients in the bread machine right now and we can have homemade pizza with leftover ham, leftover ground beef, onions, tomatoes, two kinds of cheese, and chicken sausage for dinner tonight. Which will taste even better than Round Table. It always does. Oh, and we had the ham and tater tot casserole for lunch instead of dinner. There is some leftover for tomorrow, too.

I got a bill from the place I went to have an EKG before surgery. For some reason they billed it to my old insurance instead of to the insurance card I gave them, so I had to spend a few minutes on the phone today listening to Muzak (really loud Muzak) before I could get that mess straightened out. Fortunately I could give the lady all the information over the phone and didn't have to go down in person to sort it out. She's going to rebill it and hopefully they'll do it right and then I'll only have to pay 10% of $97.60. I am glad that I have been really paying attention to my bills lately. This is the second error I've caught this year.

I balanced the checkbook. Apparently my brain is working enough to do that. It has about $40 left in it after the check I just wrote clears. I don't need to write any other checks this month, so that is just fine.

The aforementioned check written was to my daughter's pre-diabetes nutrtion counselor for our last visit, $11.57 for our share.

I have $700 in savings for all bills that will arise between 8/1 and 8/4. Our next payday is 8/5. I will likely use less than $100 of that for groceries between now and then, as well. Since I'm not up for any shopping right now, I will mostly try to use stuff from the freezer and pantry between now and then anyway. On Monday, I will need to transfer $500 from ING back into checking that I set aside to pay the AMEX bill. We need to pay the dues to our HoA out at the old house, too. I forget how much it is. I know it works out to saving $17 a month so I just need to add up six months worth and then pull it from the holding tank where I have been saving it. Did the math, it's $102.

I will have to pick up my prescription sleeping pill though. At least to use when DH is home. Apparently if I can't take the painkillers (which I've stopped because of how sick they made me), I don't pass out enough to sleep through his snoring. *sighs* He leaves on Monday though, so I will try to not take them at all while he is gone. Then I can stretch them twice as long.

I emptied DH's wallet of all his coins. There was $4.83. I added it to the coin jar. I know there are enough quarters for a roll and probably enough dimes and pennies, but I will do that tomorrow.

Well, today was payday and I did some major debt repayment as well as taking care of quite a few of the regular bills. The MC's are all paid off again and the VISA is firmly under $20,000. I feel completely back in control again, both with the credit cards and with the no eating out. Day 4 on that challenge is going well.

I went to the grocery store and picked up a few items. One of them was gnocchi. One of the things my son really misses about going out to eat is going to olive garden and getting chicken and gnocchi soup so I got him a package of gnocchi and a box of organic free range chicken broth. We still have a couple of leftover pieces of chicken so tomorrow I will make him some chicken and gnocchi soup. My chicken soup is almost gone so I don't mind making another soup so soon.

Okay, so bills paid are below:

$1457.40 BoA credit cards
__500.00 Amex
__300.00 Mom's utilities
__100.00 Emergency Fund at ING
___16.70 Electric Bill Old House
___37.61 DH Life Insurance
___32.20 Me Life Insurance
___41.00 Old House Insurance
___83.98 Car Insurance
___39.37 Security System Old House
__155.00 Storage
__375.86 Old House Mortgage
__200.00 Cash
__100.00 groceries
__193.20 Dentist
__106.94 Medical


Car insurance has gone down with the Sienna by $11.63 a month or $69.78 for a six month term.

Of the cash $90 is to pay for physical therapy on Tuesday and $100 is for fireworks. Not sure what that extra $10 is for but it will likely end up in the coin jar. I have $62 left in checking if I need to buy milk or anything else this week, but since I already went grocery shopping I don't think I'll need anything besides milk. Maybe some hot dog buns if we decide to have a cookout on Monday and I am too lazy to bake some myself.

Bills left this month (other than the first new car payment) are pretty minor. There is just phone for the old house, internet, and garbage for the current house. Everything else is paid. That leaves almost $3000. So the majority of the next paycheck and the one after that will go to pay first week of August bills, to savings for upcoming medical, and to pay for our little trip around the Olympic Peninsula before we go to Virginia Mason for my surgery.

I am trying to make the gas left in the Sienna last until Wednesday when DH gets home. I have about 1/8th of a tank, but only have 3 minor driving excursions between now and when DH comes home. I sort of hate pumping gas with a passion. Well, it's more waiting in the long gas lines at Costco, but close enough. There is half a tank in the Crown Victoria so if I need to use that car one day instead I will.

I can't believe I forgot to post yesterday. I am like Posty McPosterson of the Clan McPostsalot and I totally spaced. Anyway, yesterday was day eight of no eating out challenge. Unfortunately today was not day nine. I don't actually feel bad about it though. I got the manager's special from KFC, which was seven pieces of dark meat chicken, 2 large sides, 3 biscuits, and a mini chocolate chip cake for $15.85 (that's the with tax price).

That was actually enough food for two meals so we had it for lunch and for supper. I added a can of green beans to dinner for veg. The biscuits we are saving for breakfast tomorrow and half the cake for another day. I don't feel too bad about this as breakfast was free today. So $15.85 for the day plus food leftover seemed like a good choice when I woke up with a head full of congestion. I am so sick of allergies right now.

I am going to try to finish out the next week without anymore eating out though. Just because I gave in one day does not mean I need to give in every day.

Meanwhile, I balanced the checkbook on Friday and then sent out the bills.

$522.90 Anesthesiologist
$172.37 to ENT Doctor
$144.00 Water/Sewer Old House
$100.00 6 weeks allowances (plus extra jobs money)
$100.00 propane holding tank (ING)
$100.00 property tax holding tank (ING)
$_17.00 HOA dues holding tank (ING)
$100.00 Emergency Fund (ING)
$250.00 Groceries
+_90.00 Fringe
-----------------
1596.27

I have $986 left. I was planning to put $900 onto the credit card, but the stupid BoA website has not been working all day. I just keep getting Out of Memory at line 612, which is usually code for update your fricking flash player, but since I just updated my flash player I doubt very much that that is it. I will try again tomorrow and if it isn't working than I will go down to BoA in person. Nothing is due before the 4th and this was just an extra payment anyway, but I really wanted to make it and I'm bummed.

As for allowances, DD got her $60. That's $10 a week for her and she has to make it last for the next six weeks. DS got his allowance of $36 or $6 per week, plus $2 in tooth fairy money and $2 in extra jobs money. He picked up 200 pinecones and he gets a penny a pinecone, so a total of $40 for him which we promplty went and deposited into his bank account. He's now got $220 saved up for the 3DS he wants to buy.

My allowance was buying seasons one and two of Fringe (which was $90). DH will get his the payday after he comes home. He gets $100 for six weeks.

I got back four ones and 15 cents in change from KFC so that is going into the coin jar for the EF. I am hoping to go out to the house tomorrow and mow the lawn and weedeat. Hopefully DS will gather up all of the aluminum cans and bag them up. We had a bin in the shed that was full of them but something or someone got into it and now they're all over the floor. I told him if he does it he can have the money for recycling them.

And of course anymore pinecones he picks up at a penny a pinecone. He really wants to buy the 3DS before we go on vacation on the 11th but he doesn't quite have enough without doing extra jobs. And I've already told him we won't loan him money again. It's not that he doesn't pay it back, because he does. But we are trying to teach him that sometimes you just don't qualify for a loan, not even from Bank of Mom and Dad. Sometimes you just have to save up the whole amount on your own.

He seems to really get it. DD, not so much. She's already spent $15 on makeup and is planning out the rest of her purchases. I suggested, like I do every payday, that she at least put $10 into her savings account. I may have to make it more than a suggestion. She's almost 15 and resistant to saving in a big way. But she also thinks that credit card debt is stupid, so at least she's got that going for her.

Today was a good day. Although I feel like I had to run a lot, it wasn't so bad. I started off at physical therapy and so that was $90 out. Had a visit to the chiropractor but the month is already prepaid so no money out there. Went to Trader Joe's to get the cheaper Clam Chowder to have on hand for after DD's wisdom teeth get removed so she'll have an easy choice that has plenty of protein in it. I also picked up peanut butter and two packages of nitrate/nitrite free all beef hotdogs. I spent $32.47 there.

I stopped at Link's Optical (because it was across from TJ's) to pick up a couple packages of the glasses cleaning wipes, so that was $11.50, but we'll be stocked for a good while. Or a while anyway. When you have four people in one household wearing glasses they don't last as long as when there was just two.

After that I went to Bank of America to pay on the credit card. I only paid $500 today, but I will pay another $500 on Friday which is payday. Normally I pay $1000 in one go, but with the medical bills everything is off kilter a bit and I have to pay up front for DD's oral surgery Wednesday and that will be $400 so I just did half for now.

Then I went to the store and got some Icy Hot Naturals to put on my back. It's not as good as Mineral Ice, but I wasn't going to drive around looking for it when my back was starting to lock up. It cost $7.99 for a big tube (8 ounce, I think).

Okay, so still no temptation to eat out which is nice. I thought this was going to be tougher because I am so tired, but we are all into the planning and the making of meals so it's working very well.

Breakfast:
Homemade biscuits with strawberry jelly (.50)
Bananas (.80)
Homemade Lamb sausage ($3)
Milk ($1.50)

Total: $5.80

Lunch:
Beef Quesadillas made with--
--leftover beef potroast (free)
--spelt tortillas ($1)
--shredded cheese blend ($1)
Cucumber slices (.79)
Water

Total: $2.79

Dinner:
Cornish Game Hens ($8)
Leftover potatoes (free)
Leftover gravy (free)
Can of green beans ($1)
Milk ($1.50)

Total: $10.50

Grand Total for day: $19.09

So under my daily goal of $20, not too bad. I was guessing on the cornish game hens on what they cost, based on what they are selling for now, which is $4 a hen. They've been in the freezer for a while and probably cost less than that at the time. I can't imagine I'd have bought them at full price. But it's close enough.

Tomorrow will be at least partially a seafood day. I've got some Langastino that needs to be eaten and while I was rooting around in the freezer I also noticed there was a two pound bag of prawns so those will go into a meal later in this week. There was lots of frozen salmon as well so I think we will have salmon for dinner tomorrow. I should take some out to thaw now. Or maybe I should save the salmon for when DD can barely chew. Hmm...well, I'll figure it out this evening.

I need to balance the checkbook. I skipped doing it this weekend so really need to get to it.

Payday was Friday, but what with all the new car business I didn't do anything about it until today. Well, it did it's own thing on the autopays, but I recorded it in the spreadsheet today and deducted it from the checkbook.

$37.61 DH Life Insurance
$32.50 Me Life Insurance
$41.00 Old House Insurance
$96.51 Car Insurance
141.00 Storage
--------
$348.62 Total autopays out

I was going to pay two medical bills and the mortgage today as well, but got so busy today I didn't get around to it. I'll do it tomorrow.

DD's 2nd meeting with the dietician went well. She was quite pleased with how well DD is doing. DS's filling went well, too.

I spent $89.79 at the grocery store today and added 21 cents to the coin jar.

I haven't done much with finances today, to be honest. I did pay on the Bank of America VISA, $2000.

$20,844.54 original balance
-$2,000.00 amount paid
------------
$18,844.54 new balance

I got $100 out for cash. I will do the rest of the bills tomorrow. I got a dental bill in the mail today of $345. And that's only for what I've had done so far, not what I have yet to do, which will cost about the same amount, I think. Seems like it never ends.

First off, I put $3 in ones and $1.23 in coins into the coin jar today, eventually destined for the EF. I also went to the grocery store again as I had totally forgotten to buy deli meat for the kids' lunches when I did my big stock up. Plus we were out of fruit bars and rice bars so I got some of those as well, and they had a good milk sale going on, so I went ahead and stocked up a bit. The milk doesn't expire until the 25th so there is plenty of time to drink it and I shouldn't even have to set foot in a grocery store again for several days. I'm hoping at least ten days. I spent a total of $55.52.

I had physical therapy today so that's another $90 out the door. I really wish I didn't have to go every week but when I skip a week it starts getting hard to walk properly again, and the last thing I want is to go back to using a cane. It screws up my shoulder, scapula, elbow and arm and I end up limping which makes my other leg and hips hurt. I guess for now it is a necessary evil.

DH contacted me that he did suspend the Toyota payment for this month so I was able to pay the other two medical bills, $31.71 and $96.51. I also sent $100 off on the 18 months same as cash computer loan. Even though I have the money to pay this, I'd rather collect interest on it when I'm not being charged any interest o the loan, which will be paid for long before the time is up.

That house that we like so much has been taken off the market because it didn't sell. I am hoping that means they are going to let it sit for six months and then relist and make it look like a new listing. With all the information I've gathered about that house, if it is put back on sale by the time we are ready to buy again, we can probably get the price way down, since no one has bought it despite three price reductions and I'm thinking they'll just be happy to be rid of it at that point.

DS went back to school today and he had a good day and had no pain. He didn't eat breakfast though and he didn't want to take a lunch because they got out early. I made him take a couple of rice bars so he'd at least have something if he did get hungry. His appetite is way off though since the surgery. He's lost five pounds and if he keeps eating like that he's going to lose more. Which considering he was 10 pounds overweight at his last physical isn't a bad thing but I don't want his nurition to suffer at the same time. He did eat half a piece of chicken, some watermelon, some potatoes and a glass of milk for dinner though so at least he isn't starving.

DD is doing well on her prediabetes diet. Her face has gone from being quite round to having a pointy chin and cheekbones and she's only been on the diet since the 3rd. That's only 13 days. She says all of her tops are getting loose, too. I've been following the diet for the last 4 days and I can already see a change in my face and feel a change in jeans as well. So it seems it is working quite well for us both.

I watched the documentary Fat Head (after someone here rec'd it) the other day with the kids (they got such a kick out of it, it's so funny and entertaining) and it really describes well what has happened over the last couple decades in our country. Plus it really explains in a very understandable way how insulin works with protein and how it works with carbs. I'd definitely rec it to anyone who wants to learn why our weights in America are so screwed up. It's not new information (at least to me) but it is presented in a way that would be very helpful for those who haven't done the reserach themselves.

Finished reading The Mephisto Club by Tess Gerritson. I swear that woman has a very grisly mind, but her books are can't put them down sorts. I'm already well into The Keepsake. It is so nice to be able to read again. Now that I'm used to them my trifocals are worth their weight in gold.

Also bought gas today. $44.74 for 10.92 gallons at $4.09 per gallon. Yeeps.

SA ate my last entry. It's been a while since it's done that so I got lulled into complacency and didn't control C before trying to post it.

So far today I have repaid off the BoA Master Card. That's the one I paid off last month but then DH accidentally put his airplane ticket on. It's also the one that the health club fee is on, so the two together were $722.95. I will change the card for the health club before the next one is charged.

So that leaves us with 2 cards paid off, one big loan paid off and only the one VISA with a hefty balance on it. I also have my AMEX but that gets paid off monthly.

I went ahead and had DH suspend the car payment again this month as we are still several months ahead, because of all the medical bills. If after I pay all the medical I have enough leftover for the car I'll mail in a payment. Even though we autopay online, they still send me a bill each month.

I had two more medical bills come in today's mail so we've hit the $1000 mark. But we've also hit our deductible. I found that out when I went to pick up three prescriptions at the pharmacy yesterday and only had to pay the reduced amounts and not the full ones. I'm sure DS's surgery put us over. Now we just have to pay our portion.

I've got sinusitis/bronchitis again. Went to the doctor yesterday and he put me on generic Biaxin. He also gave me 7 free Ambien pills because I haven't been sleeping with the persistant cough. The other two prescriptions were for other health conditions. I also picked up some over the counter Robitussin DM cough syrup. Altogether I paid $67.72.

I paid $215 to the chiropractor and I also paid the mortgage on the old house of $375.86. I went to Kmart to buy a bunch of toiletries, a bottle of pink nail polish (99 cent splurge), a bottle of Vitamin D, and I also got two shirts for myself that were 25% off, total of $77.55.

I finally got to CU #2 and deposited my coin jar money. It was a deposit $39.50, which brought the total in that account to $219.41. This is part of my EF. The rest is kept in ING and is $627.36. Altogether it is $846.36. I am hoping to squeeze out enough this month to hit $1000. I put three ones and $1.30 in coins in the coin jar tonight.

Tomorrow I will sit down and with the checkbook, balance it, and then figure out which medical bills I pay this week, along with anything else that is due before next payday. I think the bulk of the bills will all be due out of the next payday, so I can make some progress on the medical this week. Maybe even all of it that I have so far. Here's hoping.

Sounds like a person when I put it like that.

Anyway, after a decent night's sleep (only interupted twice to give pain medicine) I opened the stack of bills that came in the mail yesterday. Only four of them were medical bills, the other two were garbage and propane. But we still have several bills to come, including the one for yesterday's surgery which will be a biggie. So far:

$410.17 for our portion of lenses (Vision)
$_96.51 for DD's blood panel (medical)
$148.00 for my specialist visit (medical)
$-62.17 for DD's sinus x-ray (medical)
--------
$716.85 total

When I was estimating I figured at least $1000 would have to be taken out of debt repayment this month. We probably won't get any of the bills for the consult or the surgery until the end of the month or June, so that can go out of the June budget.

The propane bill for the old house came today. It is $352.29. I've set aside $100 a month for the past two months, so I only have to come up with $152.59 this month. I thought $100 a month would be enough since the furnace is only set at 60 (because there was a lot of snow up that way even in April and I didn't want the pipes to freeze). I guess with the cost of oil going up, the propane went up as well. Temps are staying at 55 to 60 right now so next time I go out there the furnace will be turned off.

The garbage bill also came but it was well under the $50 a month I budget at $37 something.

I need to balance the checkbook for the week, usually a Saturday chore, but I'll likely put it off until tomorrow as DS is still being quite clingy.

Money out today on autopay:

$142.00 to storage (a day early, hmph)
$-32.70 Life Insurance (me)
$-35.90 Life Insurance (DH)
--------
$210.60 Total

I'm a tad bit miffed that storage came out today as it is supposed to come out on the 5th. I hadn't transferred the money out of savings and into checking yet, had planned to do that today. So I have a $2 transfer fee because the CU did the transfer instead of me doing it. I knew I should have done it last night, but I was so tired and it's just not supposed to come out today. On the bright side is that I had money in savings to transfer to checking so I didn't get a $13 overdraft.

I am going to make sure I transfer the money for security and cell phone at least three days in advance. Although Verizon has never jumped the gun on taking things out, security has, and there's a first time for everything.

I need to write out and mail the check for the power out at the old house. It's $23 something. It's usually $19 something, but we spent a lot of extra time out there last month, packing and cleaning, so had the hot water tank on.

The meeting with the dietician went well yesterday. It's a radical change in thinking and diet. DD can only have 1400 calories a day arranged over the course of 3 meals and 3 snacks. Each meal can have no more than 45g of carbohydrate and each snack can have no more than 15g of carbohydrate. And she has to have protien at every snack or meal. Which is harder than it sounds when you are keeping calories low. Protein is the high calorie food.

We sat down and filled out some index cards with calorie and carb counts so we could figure out some meals and then have the cards for quick reference. It takes a lot of planning, but once it's done that makes it easy to just flip through the cards and calculate the meals we want to make. She's also keeping a meal log, so some of these meals will repeat and be even simipler to figure out because the math will already be done.

I don't think it will affect the grocery budget too much. The only major changes are a different type of peanut butter, spelt tortillas instead of flour, and flourless sprouted wheat berry bread from Trader Joe's. I'll have to figure out how to make that eventually because it's $4 a loaf, but for the time being I'll buy it. Both kids like it and it's not got any allergens in it that my son has a problem with.

Once I've got my daughter firmly on track (probably a week), I think I will try to go on the same diet. I've got insulin resistance, too, but mine's never been as bad as hers. Still, I could stand to lose weight and eat even healthier. And I think it will help her to have someone doing it with her. (Dietician said I could have 1800 calories, though, because of my exercise schedule).

I added 78 cents to the coin jar.

I paid $500 to AMEX today. This is the card that I buy gas with and the occasional meal out and gets paid off in full each month.

I thought the life insurance was going to come out today, but that must be tomorrow because it hasn't been taken out yet.

I added $4 in ones to the coin jar and rolled up one each of quarters, dimes, and nickels. I will take it over to the CU tomorrow and deposit it along with the 50 cent piece and the Sacajawea dollar, for a total deposit of $23 to the emergency fund.

I'd forgotten how much satisfaction I get out of dragging my EF up higher and higher with a bit of money here or there. Probably how some of you feel about your mortgage chips.

Very little going on today. Car insurance of $95.61 and house insurance of $41.00 came out on autopay today. Tomorrow or the next day life insurance will come out for both DH and myself. On the 5th storage autopay will come out, and then nothing until the 12th.

I will mail off the electric bill tomorrow and pay the AMEX online.

I paid out $90 for physical therapy today. DH gassed up the car before I took him to the airport. It was $3.99 per gallon at Costco and he got 8 gallons for $31.92. We also put a smidgeon over 4 gallons in his dad's truck last night, but that was at $4.03 a gallon and was $16.20.

I went to the grocery store and got milk, strawberries, and medication from the pharmacy. Altogether it was $71.17.

We are making up strawberry/banana/orange/pineapple smoothies and freezing them in rocket shaped Popsicle™ molds so that DS will have some dye free, artificial ingredient free, homemade Popsicles™ after his tonsilectomy. Mom is also going to make some homemade ice cream for him to have.

The new chicks are growing so fast. They already have distinct personalities. The cuteness factor is off the charts.

So here's the money out for this payday:

$1,102.89 BoA Master Card pay off
---800.00 BoA VISA
---250.00 Emergency Fund
----44.92 Phone for old house
----65.55 Internet
---144.00 Water/Sewer for old house (2 months)
----42.78 Garbage old house
---100.00 Propane holding tank
---100.00 Property Tax holding tank
----17.00 HoA Dues holding tank
---250.00 Medical holding tank
----69.97 Medical payment
----32.34 Lenscrafters
---100.00 Computer
----------------
$3119.45

We sent the taxes off today with the check for $5,506.03. I added $250 to the emergency fund.

$277.36 old EF Balance
+250.00 added
---------
$527.36 new EF Balance

I've got $120 cash for the week and $291 in the checkbook.

I have $475.72 in the holding tank now for future bills.

The amount of credit card debt left on the BoA VISA is $19,566.94. DH still has to buy his next plane ticket so that will bounce it back up above $20,000, but starting next month it gets $3000 a month so we'll start making serious progress paying it down once that starts.

Tomorrow I have an eye appointment and will get new glasses. That will be covered by insurance. DD is getting a haircut which will come out of my $120 cash.

So far our budget has been working perfectly. Here's hoping it continues.

Woohoo, yeah, baby! Say good-bye to debt #3. Watch that snowball tumble down the mountain side! Hee.

This leaves us with just the BoA VISA (and as soon as I make that payment later today) it'll leave us with just under $20,000 in credit card debt.

Take that Evil Empire! You are losing your grip on us for good.

I'll do a payday update later on. I just couldn't wait to share this news.

Today is payday and I made a payment of $2500 to the BoA Master Card. That leaves me with $887.89 to pay off next week and then that puppy is done. (Well, there will probably be an interest fee that comes in as soon as it is paid off but I'll pay that right away, too). I need to move the two autopays off that card and on to another one so there is absolutely nothing left on it. It comes to $133.43 each month (so that is why the numbers are a bit off down below).

I am so excited because that will leave us with only one credit card left with a balance on it. Evil Empire, your hold on me and mine is getting looser and looser!

So anyway, money out today:

$2500.00 BoA MC
--300.00 to Mom for utilities
---39.37 for security system at old house
--100.00 to the Emergency Fund
--141.96 to Verizon
---84.62 major toiletries stock up
--100.00 Cash
---55.00 Entertainment
------------
$3320.95

I have $286 left in the checkbook and will probably spend about $50 of that on food this week, but the rest will go into next week's bills.

I had $40 leftover from last week's cash so I put that in the laptop fund. I had $1.17 in coins that I put into the coin jar.

I added $100 to the emergency fund. Taxes have been removed from my calculations now so that brings the new EF total to $377.36. It feels weird to be starting almost all the way over again with the EF. In May I'll be able to make a much larger contribution.

New credit card debt totals:

$20,157.03 BoA VISA
+---887.89 BoA MC
-----------
$21,044.92 Total owed to the Evil Empire

$22.947.81 Previous credit card balance owed
-21,044.93 Amount Left on credit cards
------------
$--1903.01 Amount of change on balance

There is nothing more annoying than being signed in when you start a blog entry, but when you go to post it ten minutes later, SA has logged you out. AGAIN. For the fifteenth time today. And of course I didn't highlight and save first. It wouldn't be quite so irritating if Facebook and Live Journal weren't also playing this game today. *growls at the internet*

Anyway, highlights were I found 38 cents in the car when I cleaned it out and I forgot that storage autopay comes out this week, so I don't have $204 left, it's more like $64 left in checking until Friday. And $49 cash so it's all good.

I don't feel like writing out the meal planning again. Will do it tomorrow morning when I'm not so growly.

Well, I finally got off the procrastination train and finished paying bills for Friday's paycheck and then I balanced the checkbook.

Money out:

$1000.00 to medical loan from Mom
$--19.07 Electric for old house
$--35.90 Life Insurance DH
$--32.70 Life Insurance Me
$--95.59 Car Insurance
$--41.00 House insurance for old house
$-500.00 Amex
$-300.00 Groceries
$--90.00 Medical
$-375.86 Mortgage on old house
$--96.00 Six weeks allowance for 2 kids
$---2.00 Tooth Fairy money
$--78.68 Clothing and shoes for DS
$-100.00 Cash for me
-------------
$2766.80 Total Spent


$91,000.00 Medical debt payback to Mom
$-1,000.00 Amount paid
-----------
$90,000.00 Amount still owed to Mom

So we have officially paid back $20,000 and we have 90 payments left to make. 7 years and 7 months to go.

The majority of next week's check will go to the Master Card and some of the following one, too. So it should be completely paid off by the 15th as long as nothing unforeseen arises.

I still have $204 left in the checkbook and $49 in cash. I doubt I will use what is in the checkbook and will just add that to what I pay on the MC on Friday.

DH went down to the courthouse to pay the car license tabs today. I had written the check out on the 15th, but got too sick to run my own errands. Fortunately I was not too sick to notice that they had very sneakily put on a state parks "donation" that you had to opt out of not to pay. I saved myself five dollars on it. I wonder how many people never pay any attention to that, just look at the total line and end up "donating" when they never had any intention of doing so?

Don't get me wrong, I think supporting the parks is a good thing, but I want to do it on my own terms. Like when we go use one there is always a donation box and I'll likely slip a five in there then. But don't try to sneak it past me. Charity should not be something you are tricked into. Bad state of Washington. Bad.

Anyway, the damage was $75.75 instead of $80.75. We have vanity plates which is why it is so high. And yeah, I know I could get rid of them and only be paying around $35 a year, but we get a lot of enjoyment out of it and we've had fans of our favorite fandom (which the plate is related to) come up to us all over the place and start talking to us about Doctor Who. It's always fun to meet other Whovians. Yes, nerdy fangirl here, I freely admit it.

While he was there he also picked up a print out on our property tax form. We forgot to change our address with that part of the courthouse. I kind of assumed that since we'd changed the one for licensing and for voting that it was all one system and it would get changed over, but it didn't. Anyway, we never got the statement from them (and it didn't get forwarded from the old place) and since it is due on April 30th I wanted to have the amount on hand.

It only went up about $20 for the year. Total is $1,036.24. The amount due April 30th is $518.17. I've got $400 set aside so far so just need to come up with $118.07. I have a line for it in the budget already though, since I knew it would be around $500. So that is $100 a month. I'll just have to come up with the extra $18.07.

I'm running a fever today of 101. All I want to do still is sleep, but I had a very restless night. Just coughing a lot. I want this flu to be over. I hear it's a long and lingering one, though. I cancelled my dentist appointment and rescheduled it for two weeks from now. Well, actually DH did it since I have lost my voice. I am really glad we have unlimited texting. It is coming in handy right now.

DH took DS in for his physical before school today. There has been quite a change in his vision on one eye so he needs to go get new glasses. At least our vision insurance is better than our medical. It has no deductible, pays for the entire office visit and up to $200 on the glasses. I need to go in and get new glasses, too, but not until I am well.

DH is going to have to go pick up that expensive prescription today. Even with the $25 off coupon it will still be $125. Ouch.

I picked up 8 temporary checks from the Credit Union today so I could write out the rest of my bills. They were:

Garbage for this house--$50.65
HSBC/Best Buy for laptop (took out of laptop fund)--$100.00
Comcast Phone for old house--$44.92 (complaining did me some good!)
Comcast internet for this house--$65.55
AAA Yearly Renewl Fee--$121
Car Tabs--$75.77

I also had physical therapy today so $90 for that. I was able to walk down the stairs today one foot per stair instead of two feet per stair. I'm starting to see some actual progress on my knee.

Then the car payment is due on the 19th which is a Saturday, so that won't come out until the 21st. I've the money set aside for that and will transfer it on Friday the 18th.

I found $1 in change on the floor of the old house while we were cleaning today so that went into the coin jar. Tomorrow we are going to go do some more work out at the house and make a dump run so we will be borrowing FIL's truck which means putting at least 3 gallons of gas in when we are done. So that'll be $10.40 or so.

Wednesday we might go out again, but will have to be back before six at night for DS's science fair. I hope it's one of those things where only a brief appearance is needed. I'm still feeling under the weather and DD is quite ill. If I can pop my head in and oo and aw over things and then leave DH to hang around and do the parental thing, that would be nice.

We have to go to the court house in the morning to pay for car tabs and find out why we haven't been mailed our propterty tax bill yet, since it's due April 30 and they usually send them out in February. They might still have the wrong address. I need to see about getting my temporary disabled parking permit. Should only need it for six months if all goes well surgically.

I need to fill out my juror's questionaire and then enclose the doctor's note with it excusing me and mail that in.

We might go out on Thursday as well. I have to do a lot of sitting down and supervising DH, but I do what I can. And it keeps him company. We won't go out on Friday because that is our 16th wedding anniversary and we're going to a nice steakhouse for dinner. We had talked about a movie but it's really hard on my bad knee to be straight down on the groung like that. It needs to be elevated after about an hour to an hour and half and most movies today are far longer than that. So maybe we'll just watch a DVD together when we get home.

I have a feeling it's going to be long week.

It's hard for me to focus on finances right now. All updates from my friend's family have her still listed as missing. I did find her facebook page (didn't think she had one), but no news yet and google's people finder has her listed as missing. But I do know that I can't allow myself to slip up on finances even though there is a giant knot in my stomach.

So...turns out that new prescription isn't covered by my insurance. They didn't deny it, they just don't cover it. Weird. But it's very expensive. $150 for 30 pills. I do have a $25 off coupon, but still. Ouch. And I can sign up to receive more coupons from the company, but still that only brings it down to $125. I am hoping I won't have to be on it very long and can stop taking it after the surgery and also that I can get samples of it from my regular physician since it is so pricey. The pharmacy doesn't even have it. They will have to order it. I'm glad I have samples.

The payment I made to BoA VISA posted this morning and it's back under $20,000 at $19,687.44. So there was a bit of progress made there. I made a payment of $1300 to the BoA Master Card today which will bring it down quite a bit. $84.23 went to interest so subtracting that out should bring the balance to $3260.27.

$24,238.69 previous BoA credit card balances
-22,947.81 new BoA credit card balances
------------
$1290.88 went to Bringing Down the Evil Empire

From now on there will be a lot more progress made each month, though. I thought I would have to wait until May to pay off the MC but I'll be able to get it paid off in April, so only one more month. Yay! Then the whole amount can go to the VISA from May on. That means I should have it paid off in November and not December like I thought. Although I don't know what the surgery is going to cost, but it's probably at least the amount of one VISA payment. So maybe I should stick with December.

I still need to do the rest of the bills for this paycheck, and will probably get that done tomorrow.

Money spent on prescriptions today was $60.25. We got a XL pizza from Round Table for $27.11. DH picked up DS's big b'day present for $65.43. I think that's it.

Have you ever walked into the store for one thing and then walked out again with everything but that thing? *sighs* I did that today. Okay, I had planned on picking up other things, but the main idea was to get the heartburn medicine which was on sale and I had a good coupon for. DH will pick it up later when he goes out to gas up the car. One of the side effects of my current medical cocktail is heartburn and I'm out of them.

I am slightly annoyed that the Jiffy mixes (the only boxed mix besides Krusteaz that doesn't have allergens in it so it's safe for my son) are no longer all .79. I've finally wiped out my stash this morning so I went to pick up two blueberry muffin and two cornbread mixes. Blueberry muffin mix is now 99 cents a box. On the bright side Cornbread mix has dropped to .59. Technically it's a wash. I paid the same amount overall for four boxes of mix that I used to, but it still rankled a little bit. It is probably the cost of blueberries. I live in blueberry country and last season was erratic to say the least.

I went and parked myself at the doctor's office today. Since they don't feel like returning my phone calls, I decided to go be difficult in person since I was out of medication and they did not call in my prescription on Monday like they were supposed to. Being out was not fun. My body immediately reverted to how it was before I started the med. Anyway, they gave me two weeks worth of samples and supposedly are calling it in. There still has been no word on an appointment with the specialist at Virginia Mason. I don't even think they've called them.

They were supposed to have put that in motion when I had my appointment on the 15th of February and he decided I needed to see a surgeon who specialized in operating on scar tissue at previous surgical sites. I really think that 23 days is well and truly enough time for them to get their act together and do what they are supposed to so I can move on with my life, please, 'kay, thanks. I hate being in limbo.

I also made sure they were going to ask the doctor about a deferral on my jury duty. With what is going on with me I'm simply not going to be capable of serving. I need this surgery first and to heal or it will simply be unbearable. The official resummons came in the mail yesterday and I am running out of time. April 4th will be here before I know it. If I have to go sit in their office every day until I hear from them I will.

I had to cancel my dentist appointment this morning because my symptoms were so bad without the one med. I've rescheduled for next Thursday. I am glad they were able to get me in so soon. At my old dentist if you had to cancel it could be months before you got back in.

I went ahead and paid $1500 on the BoA VISA today. We were going by the bank anyway. Even though we will have to go back tomorrow to pay the Master Card with the extra money from payday and I could have just waited, I figured if we did it today it might actually post by tomorrow and I'd get to see that balance go back down below $20,000. It is a psychological thing. Fortunately the bank is by the high school so it is not out of the way to go there. I will have to wait until Monday though for the MC to post. *pouts* Don't know why they can't do same day posting when you do it in the morning. They used to.

Okay, I feel like I am doing a disproportinate amount of whining today so I will stop now.

Meal planning for today was:

Breakfast:
Cornbread Muffins (79)
Eggs (free from chickens)
Milk ($2)

Total: $2.79

Lunch:
2 kids--
PB and H sandwich (.50)
Turkey ham and roast beef sandwich ($1)
plain potato chips (.50)
banana (.20)
orange (.50)

2 adults--
leftover spaghetti (free)
yogurt ($2)
orange (.50)
apple (.30)

Total: $5.50

Dinner:
Salmon (free, from Mom)
fried potatoes (.25)
broccoli/cauliflower leftovers (free)
Milk ($2)
Biscuits (.50)

Total: $2.75

Total for day: $11.04 Woo hoo!

Today is payday. I'm still figuring stuff out as far as the bills go. We went to Costco and bought $45.14 worth of food and a case of toilet paper. We don't need to do any major shopping this week at all. We will have to pick up milk, de-icer spray for the car windows, and jeans for DH, but that should be it.

I have to set money aside for the cell phone due on the 12th, the VISA due on the 21st, the MC due on the 17nth, and the car payment due on the 19th. Ticket prices have gone up on airfare and DH had to buy one this time around for a total of $950. Ouch. That's about $250 higher than usual. I'm sure that's due to gas and oil prices going up so high right now. Add that to the $70 for the hotel and the $40 for travel food, plus the interest for the month and that VISA is basically going to just be standing still this month. I am glad I already made an extra $1000 payment to it last week.

I was going to make an extra payment to the AMEX but I think I will hold off on that until the 1st and just make an extra large payment then instead. It's not due until April 3 anyway. The extra will go to the Master Card instead. For now I will transfer $3000 to the holding tank and then pay those bills closer to when they are due. Two weeks of interest isn't much, but it's something.

I added 34 cents to the change jar and $85 to the laptop fund.

$475.44 beginning laptop fund balance
$+85.00 amount added
-----------
$560.44 ending laptop fund balance

I got the statement from Best Buy for the laptop in the mail today. They only require a $25 payment. Sheesh. I'll be sending them $100 a month. Even though I have 18 months to pay it off without interest, I am not even going to come close to not paying it off in time. It's due on the 22nd, so I'll take $100 out of the laptop fund to pay it, and continue adding what I can to the fund as I go.

Today is payday and I’m really happy with how things shaped up.

$1000 to BoA VISA. This is the second payment this month and this one goes completely to principle since the one I made last week was to cover all of DH’s work travel expenses and the monthly interest charge.

$1000 to Mom’s 0% interest loan, dropping the amount we now owe her to $91,000.00. We have 7 years and 8 months’ worth of payments to go. We have paid off $19,000.00 so far. This was originally all medical debt.

$300 to Mom to help her with utilities.

$34 to the EF and $1 to the holding tank since the electric bill for the old house was $1 less than I’d budgeted for. That brings the holding tank to $204.30 and the EF to $7468.65, with $1000 of that in the safety net at the local CU and the rest in ING.

$20 for the electric bill at the old house

$212.66 for term life insurance for me and DH, house insurance on old house, and car insurance

$39.37 security system on old house

$131 to storage

$200 to AMEX

$375.86 to mortgage on old house

$407.75 on propane

I have a couple hundred left for groceries and miscellaneous items for the week. I doubt I will spend it all. Any extra will go to the laptop fund. I did spend $60.11 on Chinese food from the no MSG place. I got enough to have several meals out of it so I don’t have to cook while I am still so sick. I really wish this cold would leave. I am just too out of it to cook like normal. I hate spending that much money but it’s good food with lots of veg so I don’t feel too bad about it.

Out of next week’s payday I will pay an additional $500 to AMEX, $500 to the holding tank for medical, $124 to renew AAA, $1000 to the EF and $1000 to the holding tank for the two week period of no paycheck. There should be about $600 left and $300 of that will go to the property tax portion of the holding tank, $100 to the laptop fund, $100 for groceries and $100 for miscellaneous. If there is anything beyond that it will go to the laptop fund. The payday after that, which is only two and a half day’s pay will also be for stretching across the two week period of no paycheck.

I took back the 3 cans of chicken and rice soup I bought on Tuesday by accident and got 3 cans of chicken and stars soup in exchange. The price had dropped 10 cents a can on the new sale week, so I got 30 cents back in change. Also at the Chinese place the lady didn’t want to use so many pennies by giving me back the 14 cents she owed me so she gave me 15 cents instead, so that’s a total of 45 cents to the coin jar today. I also grabbed some penny wrappers while I was at the CU paying the mortgage, so I can roll coins today and add that to next week’s laptop fund deposit.

All in all a satisfying payday and I can’t wait until next week when everything posts and I can update my numbers again and see some real progress this time.

Oh, and DH has heard from three different people, one his direct supervisor that he’ll be getting a raise in April at the six month mark. It will add $525 to his gross income for a six week pay cycle if the amount he was told is correct, so I’m thinking we will at least get $400 of it and that can go to debt repayment probably. If I’ve done the numbers right, with that extra amount we should hit the end of the year no problem with having BoA paid off completely. I’m not counting it yet, though, in my budget. It’s one of those things where I’ll believe it when I see it.

The BoA VISA should now have a little over $3000 between what we owe and what the limit is on it, so with that cushion there I am going to now switch to paying only $1500 on the BoA VISA each month (expenses, plus interest, plus about $100 to principle) and take the extra $1000 and add it to the $400 payment we make on the BoA Master Card. That will pay it off by the end of May and then we’ll be able to pay $2900 to the VISA each month until it is paid off. I may try to scrape up an extra $100 each time to make it $3000. We’ll see what’s available.

Once that is done the money will then go to finish paying off the car, unless DH talks me into trading in the Matrix for a Sienna sooner than we planned.
If we stick to the plan, we should be out of debt, except what we owe to Mom, by the middle of 2012, possibly sooner if he gets the raise.

Mom doesn’t want us paying her back any faster than $1000 a month because she is using that to supplement her income from social security (and saving as much of it as she can for the future). She likes having it come in steadily and our system seems to be working for everyone.

Edited to add: I was cleaning out an old purse and found $1.95 in coins. I then rolled coins and I have $7.50 to add to the laptop fund.

$467.94 beginning laptop fund balance
$=07.50 amount added
---------------
$475.44 ending laptop fund balance

I love it when the first payday of the pay cycle gets here and I still have money left in the account. That isn't always easy because that final paycheck of the cycle stretches across three weeks instead of the normal one. I had $100 left so I transferred that to ING to be added to the Emergency Fund. That makes $6,231.35 in the EF at ING. I also transferred some money to be held there that isn't part of the EF. It's part of what I call my holding tank.

The holding tank is for short term savings. I just started it. It will have things in there that are paid bimonthly or every six months. I transferred $100 in there for property tax. I'm not sure what my property tax for the year on the old house is, because they still haven't sent out the paper work, but last year it was just over $1000, so I decided to go with $1200 and put $100 a month aside. I didn't do it in January, but I'm not worried about it. We'll catch it up one way or the other. Maybe from the safety net if we have to. That's what it is there for. But more likely we'll just pay less on the VISA in April.

Also in the holding tank is $6.30 for garbage (I budget $50 a month and the bill is bimonthly and was less than that, but I pay garbage pick up for the old house (that will end soon) as well as garbage pickup here. So I'll save the extra and add it to when the bill for here comes due. Any extra will carry over and just build a cushion for garbage when we have to make dump runs from the old house.

I also put $80 in the holding tank for water/sewer at the old house. It's paid bimonthly and I think it's only $72 per month, but I can't remember, it might be $76 so I built in some cushion. And I put in $17 to go towards the HOA dues that will be due in July. So altogether the ING holding tank has $203.30 in it and the total amount of money in ING is $6,434.65.

As for the safety net, it has $1,068.65 in it. We used $1000 of it to pay some medical bills off.

Other than all that out of today's paycheck I paid:

$1500.00 to the BoA VISA (will pay more next week)

$400.00 to put back in the safety net that I used yesterday to pay on the Master Card

$51.91 for phone out at the old house (still hating on Comcast for that amount)

$65.55 for cable internet

$43.70 for garbage

$490.75 for the car payment

$60 for DD six week allowance ($10 a week)

$36 for DS six week allowance ($6 a week)

$100 for groceries

I will pay out $90 for physical therapy Monday and that will leave me with $116.56 in the checking account until next payday.

Other than that I added $2 to the laptop fund and $1.06 to the coin jar.

$430.94 beginning laptop fund balance
+002.00 amount added
--------------
$432.94 ending laptop fund balance

I finished reading America's Cheapest Family by Annette and Steve Economides. It was interesing enough, but the book is pretty dated at this point and a lot of the ideas won't work for our particular situation. A few of them will, so I walked away with something. I think for the beginner, new to trying to be frugal it would be a good book to read. (Not as fun or entertaining as Amy Dacyzn's Tightwad Gazette, though). I also started and finished reading Live Well for Less than You Think by Fred Brock. It was okay. Again, for anyone living the frugal lifestyle for a while it didn't really have all that much to offer, but it was a bit more current than the other book. And the newly frugal would learn a lot for it.

I'm about a third of the way through Jean Chaztky's From Debt to Wealth on $10 a Day: Pay it Down. This one is a bit more relevant to me, but even so, it's got several things I've heard before. Still, I really like the writing style and the way she presents things, so I think I'll definitley get something out of this book by the time I am finished.

I sent $100 off to ING today to add to the Emergency fund.

$6031.35 ING account
+0100.00 Transfer amount
--------
$6131.35 Total ING amount
$2068.65 Safety Net at local CU
--------
$8200.00 Total Emergency Fund

I probably ought to transfer that $68.65 of the Safety Net over to ING since it makes more in interest there, and I feel comfy with only having $2000 in the safety net, but I wasn't thinking about that when I made the transfer. I'll do it next time I make a transfer.

Made a mini-payment to BoA of $86.16, just to chip away a little bit more at what we owe. We won't get paid again until February 18th. I have $800 left for six days. $450 is set aside for bills that come due between now and then (cell, insurances, storage). $200 is set aside for groceries. $150 is for miscellaneous expenses, like gas or anything I forgot about. Anything left over when payday hits will go to the laptop fund and the EF depending on how much there is.

I should only need to buy milk, fresh fruit and veg. We still have plenty of meat in our freezer, but we will be using the $40 gift card to Safeway to buy meat. Either whole chickens or beef potroasts (or if they aren't too expensive picnic hams). I need something for Sundays for the crockpot.

I rolled up the rest of the coins in my coin jar, at least until I ran out of penny wrappers. I think there are at least 200 pennies left to do. DH went ahead and took the rolled coin to the CU. It was the wrong CU, but oh, well, I'll get it back tomorrow in dollars and take it over to the right CU, along with the $45 I've squirreled away for my new laptop fund. Come to think of it, there is money in the checking account over there, too. I think I'll add that to my fund as well.

$42.47 opening balance
$63.00 rolled coin
$45.00 squirreled money
$63.47 checking money
-------
$218.94 total laptop fund

I'm about 1/4 of the way there. Yay!

The payment I made online last week for the interest that came through after we paid off the big loan didn't go through and now it's not letting me access it. Every time I click on the link it takes me to our VISA instead. Fortunately the statement came in the mail today so I just wrote out the check and DH took it down to the bank when he picked up DD from high school, so that is taken care of. That was $218.18. So that should see the last of the loan. If they try to slap us with anymore interest charges I will be annoyed. The previous amount was supposed to be the payoff amount so that this wouldn't happen in the first place.

Other than that we spent no money today, although we did spend $133 last night on new clothes for the kids. My son has grown two inches since school started and my daughter has lost enough weight that all of her clothes are super baggy on her and she was constantly hiking her jeans back up. Not too bad for ten articles of clothing.

Meal planning for tomorrow:

Oatmeal ($1)
Eggs (free, chickens)
Milk ($2)
Canned peaches ($1)
Total: $4

Lunch:
2 Kids--school
PB&J sandwiches (homemade bread, homemade jelly) ($1)
Carrots (.50)
Baggy potato chips (.50)
Baggy Natural Cheetos (.50)
Yogurt ($2)
Water

2 Adults--home
1/2 a leftover cheeseburger (free)
2 leftover chicken legs (free)
oranges ($1)
leftover potatoes (free)
Yogurt ($2)
Water

Total: $7.50

Dinner:
Spaghetti ($1)
Homemade sauce consisting of one onion (.75), 2 cans tomato sauce ($1.50), 1 6 oz can tomato paste (.50), 1 can diced tomatoes ($1), garlic (.25), and herbs (.50)
Homemade Texas Toast ($1)
Milk ($2)
Dinner: $7.50

$19 for the tomorrow's food, not bad. Probably the best since I started keeping track.

I paid Mom $1000 on the medical loan I took from her today. I paid off the AMEX today ($1000 out of the paycheck and $500 out of the EF, leaving EF at $7,600) and the last bit of interest on the loan I paid off earlier this month hit our account so that was $218.18, which I also went ahead and paid so we should now be able to close that account down and have it marked as closed and current on our credit report. Yay.

That leaves us with $21,021.22 on the VISA and $4540.42 on the MC and that's it for our unsecured interesting bearing debt. That's a total of $25,561.64 left to pay. If we can manage $2500 a month in payments (which should be no problem) we can have it paid off by the end of the year. I think the MC will be paid off by the end of April. Wow, that light at the end of the tunnel just keeps getting brighter and brighter.

So this leaves us at:

$92,000.00 (no interest loan to Mom)
$25,561.64 (VISA 11.4% and MC 12%)
$22,053.10 (Mortgage 5.5%)
-----------
$139,614.74 Total

I looked up how much was left on the car after Wednesday's payment went through and it is $16,640.84. At the current rate of payments it'll be paid off 7/21/14, but once we get the credit cards paid off we will be doubling the car payments so I'm thinking more towards the end of 2012, probably.

I didn't make it to the pharmacy before it closed yesterday, so went today and paid $19.59 for 2 RX and then we went to WalMart to get non-prescription meds at $56.68. 4 boxes of nasal spray, 2 big bottles of antacids, and 2 mega packs of Dayquil/Nyquil gelcaps. Hopefully that will get us through the rest of the winter. I'll have to pick up more Sudafed at some point, but that can't be bought in bulk without a doctor's note so that comes a bit at a time.

DD is home from school and the first thing out of her mouth was, "Can we go out to eat?" *sighs* I told her no and she was all, "But we always go out to eat when Dad comes home." My response was not anymore. I think I'll have to sit down with her and talk about it and explain why. That we are pushing hard to get out of debt and then to save up a downpayment for a new house to add to whatever we get for the old house. And that the sooner we get the money saved the sooner we'll be out of here. She really doesn't like living here very much and now that Mom needs minimal attention on a daily basis we don't technically need to still be living in the same house with her, so the sooner we are in a position to really save, the better. She loves her grandma, but they are too alike to get along very well and really, a house nearby is much better than sharing living quarters, even in a house this large. Buying a new house before the old one sells just isn't an option, though.

We are going to go down to the Science Center some time in the next three weeks (we are members), so we will pack a lunch and snacks, but we will have one planned dinner out and it will be our only fancy restaurant meal this pay cycle. Well, I say fancy. I mean Red Lobster. *laughs* We'll stick with our water only drinking rule and no desserts. And since we will have the cooler with us it will be easy to take all the leftovers home for additional meals. We can usually get 3 meals each out of one of their feast type meals. Well, DH gets two, but the rest of us can get three.

I went to the doctor today and am still infected, so $20 copay, 2 new prescriptions, and a referral to a specialist, oh, joy. I've an appointment with the specialist on 2/15, soonest I can get in. Bummer. I hope this doesn't mean yet another surgery. I am sick to death of being cut open, thank you very much. Plus it'll be another $2000 or so out of pocket and put debt repayment back a couple of months. Still I can't go on like this. I have jury duty in April so I would have to plan around that or at least defer it. I've already deferred it once when recovering from knee surgery/issues so I don't know how cooperative they will be at the court house if I try to do it again.

I haven't gone to pick up the medications yet, so will probably just come back and edit this post later with those expenses. They are both generics, so it shouldn't be too bad. While I was at the doctor DH went around the corner to make a payment at the dentist office. $182.60. Ouch. Our medical may be good, but our dental sucks.

I keep going back and forth on whether or not I should take some money out of the EF and pay off the AMEX card or not. It's currently got a balance on it of $1,475.68 and the EF is at $8,100, so if I did, that would drop the EF to $6624.32. The EF is only earning 1.1% or whatever ING is at the moment and the credit card is at 15.24%.

In the past the interest rate never mattered because I never had a balance on it. We only used it for gas at Costco and paid it in full each month. When DH got laid off and then hired by another company, we had to go several weeks without a paycheck (even though we knew one was coming and we'd be okay in the long run) so we put about $2000 worth of expenses on it. We've been carrying a balance on it since November and it's been driving me crazy.

I think the problem with taking money out of the EF for me is that it finally has one month's income in it. I don't ever think I've had it at one month's income before. (This is not, by the way, the same as one month's expenses). That was something I tried so hard for in the past, but something always came up. And logically, I know we'll have the AMEX paid off by the end of March without dipping into the EF, but my brain keeps going pay it off, pay it off, pay it off NOW.

Conversely, I know that if I do pay off the AMEX now, we can get the EF back up to $8,100 by the end of March and save ourselves two month's worth of interest payments. This really should be a no brainer. If I do it, we'd be down to only having two credit cards left to pay off and it would make payments and budgeting a lot easier come next month. It would leave us with one card to aggressively pay down and one card that was slowly going down until the other was paid off.

I feel like I'm on a merry-go-round.

Bills paid today:

Water bill (4 months)--$302
Physical Therapy--Medical--$90

Was very tempted to pick up a double cheeseburger after PT today. I did not, though it was touch and go there for a bit. It helps that they've changed the road there so you can't easily get to the McD's without making a huge, inconvenient loop several blocks out of your way. We ate up all our leftovers for breakfast, lunch, and dinner today, as planned. I need to sit down and figure out what dinner is going to be tomorrow. Maybe chicken.