So I'm not much of a couponer. It's just plain hard to find coupons for the sorts of foods I buy, which are generally unprocessed whole foods. Not impossible, but hard. I can download and print two milk coupons a month from Organic Valley for their organic milk, but considering it's still $5 a gallon after you take off the $1 coupon, it's still not much in the way of coupon savings for the month. But with the great store coupons on produce at Cost Cutter this week, I suddenly found myself with a whole lot of coupons I could use.

I'm not just thrilled with how much I saved, but on how much I spent overall, which was $17.75. I got 15 pounds of potatoes, 2 pounds of strawberries, 5.25 pounds of oranges, 1.66 pounds of tomatoes, 1.5 pounds of lettuce, and a 4 ounce generic saline nasal spray for my son for $1.99 + .17 tax. Take out the $2.18 for the spray and I paid $15.57 for 30.41 pounds of food. My average food cost for this visit is 51 cents per pound! 51 cents! How often does that happen? Never, that's how often.

I seriously considered getting another 15 pound bag of potatoes and 5 pound bag of onions since you could get 2 each on their limit and those things will keep for a couple months, but it's a question of storage space, so I didn't. Oh, well, I did great and I'm very happy with it.

I went up to Walgreen's after school with DD to see if they had that Organix Renpure shampoo that some of you were talking about that was buy one, get one with a rebate attached. My daughter was out of shampoo and she can't use mine because it is for oily hair only (and I'm very possessive of it, because it is super hard to find unless I order it online and incur shipping costs). Her dad's shampoo is too harsh for her hair and smells very masculine, and her brother's special chemical free, fragrant free, allergen free stuff is too expensive for anyone else to use.

She's good about using whatever I buy, but it has to be available. Usually I just get the 99 cent bottle of VO5 in strawberry, but this works, too. Two bottles of shampoo for the eventual cost of just a stamp, envelope, and sales tax sounds good to me.

I ended up spending a total of $38.12 there, $6.99 of which will be reimbursed. They had the VO5 conditioner on for 79 cents on sale in Freesia, which she likes the smell of. Also got cheap hairspray, a package of headbands for DD because her head is too big for the ones she's had for years, 100 count Excedrin PM, and a thing of Vick's Sinex because I ran out. That nasal spray is expensive and I never see coupons for it. The register printed out a coupon for a free bottle of Afrin nasal spray or up to $7 off, so I will use that the next time I go. I prefer Sinex, but Afrin is one of the few other types that works on me.

I set up a spreadsheet when we got home to track rebates and filled out the form and got it ready in an envelope to send off tomorrow. Rebating only works if you remember to do it! I'm not sure that I'll get into it too much, but doing it once in a while when I find out about it and it takes no effort on my part, then I will.

DD and I also had a talk about why we are pinching so tight right now in some areas, like eating out, so we can finish getting out of debt and save up for a new house. I find it helps to talk to her periodically about it, because sometimes she forgets and thinks she can't have anything she wants so doesn't ask for it at all. She does get what I think is a quite adequate allowance of $10 a week so she has plenty of her own spending money. She does a lot for it, including making dinner a couple nights a week on her own, and helps me almost every other night unless she has a ton of homework.

And if she babysits her brother for any serious length of time (more than an hour) she gets paid for that, too. There was nothing my sisters resented more when I was growing up than being forced to babysit me for free when they could have been babysitting the neighbor kids for a profit. It isn't much, just $3 an hour, and it's pretty rare, maybe once a month that it happens.

I found a recipe online today for pita bread. I looked through several until I found one that looked easy and still made pockets. Most of the easy ones were flat and didn't puff. It is more simple than making English muffins which I've done before. We're getting bored with buns all the time for sandwiches so I thought I'd change it up. It'll be cheaper than the bun recipe to make, even accounting for the fact that it only makes 8 servings, so I'd have to make two batches in a week. If it works well I will post the recipe.

I called the old homeowner's association to make sure that they received the dues since they still haven't cashed the check we left on 1/31 or sent out a receipt. The girl at the desk said that yes, they'd received it, so now I just have to wait for them to deposit it.

I paid the mortgage payment today of $386.14.

The propane bill for the old house came today and ouch. It was just over $400. This is the first fill up we've done since July. I'm going out to the house Sunday to finish packing up the laundry room and the one kitchen cupboard, maybe finish the living room, and put out the rubbish bin. We've been keeping the temp at 60 so the pipes don't freeze, but it's been around 45 outside for the past month, with no snow since mid-January, so I am going to drop it down to 50. The house is pretty energy efficient and the thermostat may not even kick on unless it drops below freezing outside. Come the end of March we can turn it off altogether.

I haven't been setting money aside for propane but that will change with the next paycycle. I'll start putting aside $80 a month. We may not need to use it but at least it will be set aside. I used to do that, budget for bills that weren't monthly, but I got out of the habit. I've set up a new spreadsheet for the budget that goes into effect on the 18th. It has categories for these non-monthly payments.

Okay, now food today:

Breakfast:
Eggs (free from chickens)
Hashbrowns ($1)
Milk ($1.50)
Total: $2.50)

Lunch:
2 kids
Orangic deli meat sandwiches on homemade buns ($3.25)
orange (.50)
apple (.50)
baggies of plain potato chips (.50)
water

Me
Leftover bowl of TJ's chicken noodle soup (free)
Chicken leg (.50)
salad (.25)
water
Total: $5.50

Dinner:
Homemade pizza:
dough ($1)
cheese ($2)
sauce (leftover from homemade spaghetti sauce, so free)
herbs (.25)
2 ounces pepperoni (.75)
2 ounces salami (.75)
4 ounces ground beef with sausage seasoning (.60)
1/4 chopped yellow onion (.15)
Homemade breadsticks:
Dough ($1)
Parmesan cheese (.25)
Can of Pineapple ($1)
Can of green beans ($1)
Milk ($1.50)
Total: $10.25

There will be an extra ball of dough for a future pizza out of this as well as leftover pizza and breadsticks so that will make a future meal or two this week, especially with DH gone and not eating it. With that in mind the $10.25 is not as expensive as it first appears.

Total $18.25 for the day, so under the goal of $20 a day.

The wind is blowing like crazy today so I made sure we had our flashlights located and found a supply of fresh batteries I knew we had in case of power failure tonight. We've also got those rechargable things that plug into outlets and when it gets dark or there is a power failure they come on, so we are set.

Added $1.91 in coins to the change jar.

I hate it when I don't sleep well at night. It just throws me off for the whole day. Especially when I have a cold. I was just starting to feel halfway decent and today I've been sneezing and having a runny nose like I was three days ago. I'm taking something to make sure I sleep tonight so that I don't go back downhill. I really don't want to have to buy another box of cold medicine to manage my symptoms. It is getting expensive to buy and I don't have any coupons.

Today was a busy day. I had my physical therapy appointment today so that was $90. I will be so glad when my deductible kicks in, but they raised it this year to a ridiculously high $1,250 per person or $2500 per family. Well, I'll definitely make up the bulk of that. The kids have each been to the doctor once this year, but probably won't need to go again this cold season. They will have to get physicals before camp. But mostly it's going to be me.

They did start an HSA though so DH is going to start having them take out $300 a month pretax for that since we easily spend that much on my medical alone and I am likely going to have to have another surgery in the next couple of months. I see a specialist on the 15th. Our out of pocket for the surgery, if I need it, will be about $2000, since it's just a laproscopy and will be done in office as an outpatient. Glad I decided to keep a decent sized EF. We'll try to swing it without touching it, but it's nice to know it's there.

Just once I'd like to go more than a year and a half without a visit to the slice and dice boys. My last surgery was 12/07/09. This has been going on more or less since I was 33. I'm turning 41. That is a lot of surgeries to have. On the bright side I might get my jury duty postponed again, which would be nice, as it's scheduled for a time when DH is supposed be gone for most of it. If I could postpone it for two weeks it would be perfect since he doesn't work when he is home.

We got gas for the car, so that was $38.02. It was running on fumes. It's a twelve gallon tank and it took 11.89 gallons so definitely don't want to cut it so close again. DH has been doing a lot of running around without me this week so I hadn't kept as close of an eye on it as usual and DH doesn't pay much attention to it.

I paid $4.46 on BoA MC #1, the one we paid off, but the last bit of interest came through. I also transferred off the autopayment for our credit monitoring service to the other card so nothing more will be put on that card. It has been put away. Once the second MC is paid off we will cancel it entirely.

DH called today to get a refund of the $218.18 we overpaid on the Gold Star Loan that we paid off last month. They said it will be in our bank account by Friday and to call them back when we get it and they will officially close out that line of credit and will report to the credit bureaus that it has been paid in full and the account closed by us.

I'm trying to get our available lines of credit down lower well before we are ready to buy a new house. Our credit score is at 780, but it says because we have so much available credit it will not go above 800 until we get rid of some of it. I know it'll take a dip first, closing accounts always does, but that is why we are doing it so far in advance of buying a house, to give it time to bounce back up again. The loan line of credit is $41,000 available and the MC is $3000. I think I might have them lower my AMEX limit, too, since it is $15,000 and we never use more than $2000 at a given time with it and we pay it off in full each month. So maybe get them to lower it to $7000 or something.

I spent $35.79 at the grocery store today on organic milk and orange juice (very much a luxury but I like it when I am sick), veggies, some organic deli meat, and the giant jar of peanut butter that's the size of a tub of Crisco.

I took DH to the airport as he flies back to Alaska for work. I won't see him again until the 2nd or 3rd, I believe. I don't remember if he comes home on Tuesdays or Wednesday now. Which means he misses my birthday on Saturday, but then he usually does. He will be home on both my son's birthday and our 16th wedding anniversary in March so that is much more important to me. I will go this week and pick up my two birthday presents on my own, a giant coffee table sized cook book (that I got my niece for Christmas and coveted greatly) from B&N and season 4 of Lost. I have the money set aside. At first I was tempted to just add it to my laptop fund, but decided I really want to have something this year.

Meal planning for today:

Breakfast:
TJ's Crisped Rice cereal ($1)
Milk ($2)
Bacon ($2)
Total: $5

Lunch:
2 Kids
PB&J sandwich (.50) (free homemade jelly from aunt)
PB&H sandwich (.50) (free honey from Mom's bees)
apple (.50)
banana (.25)
hard pretzles (.50)
water
$2.50

DH
Leftover pot roast (free)
Leftover potatoes and gravy (free)
Leftover green beans

Me
Leftover spaghetti (free)
Orange juice ($1)

Total: $3.50

Dinner:
Me and kids
1 can of TJ's chili ($1.50)
1 can of TJ's chicken noodle soup ($1.29)
Can of Green beans ($1)
Oranges ($1.50)
Milk ($1.50)
Homemade cookies ($1)
Total: $8.79

DH will eat at the airport. That is part of his work travelling budget and does not come out of the grocery budget.

$14.29 for the day and there is a bowl of leftover chicken noodle soup so I will have that tomorrow for part of my lunch. With DH gone and work providing all of his meals for the the next 22 days, our meals should cost much less. We should easily be able to hit the goal of keeping it under $20 a day. Probably under $15.

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 checked my savings account at ING today. I made a whopping $0.93 in interest this month. I only transferred most of the EF there ten days ago, and it's only counted as being in the account for 7 so I imagine next month it'll be over triple that. I keep $2000 of the EF in an easily accessible account at a local branch, but not the one I normally use on a day to day basis. If a true emergency hit and I didn't have access to anything for three days that would be kind of a mess.

I also found a penny in the parking lot of the chiropractor. It went in the coin jar towards the new laptop fund.

Spent $100 on dues today for our old homeowner's association and while my husband was out there paying it, our old neighbor asked him what he was planning to do with the house. His nephew was with him and is looking to buy and is handy and we wouldn't even need to fix it up, just sell it as is. DH gave them a tour and he really liked it. Which would be really, really nice, but...he wants us to carry the contract and I don't want to do that. I want the house completely gone and out of our name.

I told DH to find out why he wants to carry a contract, if it's a question of downpayment, we'll be selling the house for less than it's worth and it should easily qualify for a mortgage with the extra value. Other people are looking to rent it but I don't want the hassle involved with being a landlord. And I'm not sure what the legalities are involved in something like that.

Today was definitely a spendy day. We spent $40 for the Harry Potter exhibit at the science center. We spent $90 at Red Lobster, but will each get a second meal out of it and this was only one out of two meals out for the six week pay cycle. And my daughter got two pairs of jeans and a really nice set of boots. I hadn't planned on the boots but they were on sale marked down to $19.96 from $49.50 and since she has no dress shoes and they were in her size, 13W, it felt like a really good choice to make. She needed new jeans in a smaller size because she's lost some weight and her old ones were literally falling down. In total we spent $81 on her clothes.

Also a tank of gas to drive to Seattle and back so that was $28.09. Will have to fill it up again tomorrow.

For the new pay cycle my goal is to eat out only twice during the six weeks, but have the amount spent be $60 which will be half of this pay cycle's amount.

I still feel pretty awful today. I don't think this cold is going anywhere fast and that's annoying because we are going to Seattle on Sunday to the Pacific Science Center to see the Harry Potter exhibit. It leaves on the 31st (I think) and we had to reserve a time and everything, plus pay $10 per person ($40) total. It would be more if we weren't members.

I don't really care all that much for HP. I mean, I liked the books and everything and the movies are okay considering how much they leave out, I guess, but I'm one of these people that read each book once, watched eash movie once, at least up through five, and then let it go.

My family on the other hand is obsessed. So mostly I'm just going for them. I'm much more interested in the upcoming King Tut exhibit. I saw that as a child on a field trip and it made such an impression on me that I want my kids to see it, too. That'll be around sometime in the spring. We are eating breakfast at home, packing a lunch for the road, and having our one fancy meal out this pay cycle (six weeks) at Red Lobster.

I did yield to temptation yesterday and order a pizza but I had DH go pick it up instead of having it delivered, so $27.11, no delivery surcharge, no tip. We made it 17 days without eating out, which is pretty darn good for us. We ate the leftovers for lunch today, including sending cold pizza in lunchboxes to school. Both kids had yogurts ($2).

DH made French toast with real maple syrup and milk for breakfast so that was $4.50.

Dinner tonight is leftover homemade chicken noodle soup which I already put the cost in for the day I made it so basically free this time around. DH is making a two pound meatloaf ($6) and we will have a can of pineapple for fruit ($1) and milk ($2), so $8 for dinner.

We found a couple boxes of toaster waffles when we did our inventory earlier this week so that will be for tomorrow's breakfast. We get a gluten free one from TJ's (not because we have gluten allergies, just because it's the one type that doesn't have other ingredients in it that my son is allergic, too). We'll eat a whole box of eight so that will be $4. We'll have it with apricot jelly (free from my aunt) and powdered sugar (I dunno, 10 cents worth, maybe), and milk ($2). I also have some sausage patties that need using up. ($1). Total $7.50.

Lunch will be homemade cheeseburgers because we have four buns that need using up.
Homemade buns (.50)
1 pound organic hamburger (2.49)
4 slices Tillamook cheddar (.50)
Chopped onion (.05)
Condiments (.25)
Baked french fries ($2)
Pickles ($1)
Water
Total: $5.79

Dinner will be leftover meatloaf (free)
Potatoes($1)
Carrots ($1)
Broccoli (1.69)
Milk ($2)
Oranges ($2)
Total: $7.69

DD was talking about making a batch of homemade brownies which generally costs about 75 cents if she makes it with cocoa or $1.50 if she makes it with Baker's chocolate. We don't tend to eat sweets more than once a week (unless we're sick and needing ice cream). We also don't tend to snack much. If we do it's on things like air-popped popcorn sprinkled with organic cheese powder, and comes in at around 50 cents.

I signed back up with Global Test Market. When I was doing them before I was making about $50 every six weeks. I don't know how well I'm going to do now that I'm 40, though. I seemed to screen out of everything, when before when I was 37 and 38, I did almost everyone. Guess I'm not in the market they want anymore. Oh, well. I'm going to look into that watching videos for money thing Laura was talking about the other day. I'd like to add to my new laptop fund a little faster.

I am Mrs. Crankypants today because I am still horribly sick with this cold and I had to go and be a GOOD MOM because my youngest had a large speaking role in the assembly at his school. Do not even ask me why they are celebrating Martin Luther King, Jr. Day now instead of two weeks ago. I do not know. And since I missed the Veteran's Day assembly because I couldn't walk at the time, I really didn't feel like I could miss this one, too, (even though all he did in that one was sing and his dad and grandma both went). All I wanted to do was stay curled up in bed with a bowl of ice cream and a nice cuddly blanket, but I've been able to do so little with my kids lately I wanted to do this for him, despite feeling so awful. And he was so happy his dad and I both made it.

Why is it that there is always one person who thinks they need to douse themselves in an entire bottle of perfume before going to a public event? Or smoke an entire pack of cigarettes? Do they not realize how much they stink, how bad it is for the people around them to have to breathe that in, especially if they have allergies? There are at least 30 kids at my son's school who have asthma. And if you can't make it through a 45 minute children's assembly without taking a smoke break, there is seriously something wrong with you beyond addiction. End rant.

Someone tell me why it is not a good idea for me to order a pizza delivered? My willpower is very low and I am more than tempted to pay the $27 for a Montague's All Meat Marvel from RT, plus tip. Normally that is enough of a reason not to do it, but it would just make everything so much easier.

So far the only money spent today was on a nasal syringe. $6.29.

I am terribly annoyed with The Evil Empire (BoA) today. On Jan 21st I made an online electronic payment to them to pay off the last of the loan interest that came in after I had "supposedly" paid off the entirety of the loan with their "payoff amount." It was supposed to be credited that day, but it never posted and it showed no record of payment pending. Then after that I couldn't even get into the account again for the next couple of days. It kept taking me to the VISA instead.

Finally I was able to get in there and it still showed us as owing that $218.18, so I sent DH to the bank with a paper check to pay it off. He asked them to look it up there and make sure there was no electronic payment pending first, so that we didn't end up with a double payment. There wasn't so he went ahead and paid it. Guess what just showed up today? The electronic payment that should have been credited on the 21st like the website claimed it would be! So now I'm down an extra $218.18 in the checking account. And who knows how long it'll take them to send the refund check. I am beyond irritated.

It's not like I need that extra money at the moment, I've got plenty of cushion in the account, but it's the principle of the thing. Can't these people just do their jobs right in the first place and keep a functional website and have their tellers know what they are doing?

So I still feel like death warmed over so meals for today looked like this:

Breakfast:
Joe's O's cereal for 4 ($2)
Boiled Eggs (free, from chickens)
Milk($2)
Total: $4

Lunch:
2 Kids--
PB&J sandwiches ($1)
Apple (.50)
Orange (.50)
Pretzels (homemade) (.25)
water

DH--
1 can of chili ($1.29)
2 biscuits (.30)
Leftover homemade chicken nuggets (amount taken out earlier in the week)
water

Me--
1 bowl of ice cream ($1)
1 glass pineapple juice ($.50)

Total: $5.34

Dinner:
Homemade chicken noodle soup
--onion (.75)
--2 carrots (.50)
--2 celery stalks (.50)
--parsley (free from plant in yard)
--salt and pepper (.02)
--garlic (.25)
--chicken broth ($1.25)
--half package egg noodles (.50)
Milk ($2)
Leftover chicken (amount taken out previously)
Total: $5.77

Hopefully tomorrow I will feel better and make better food for the family. DH cut up everything for me for the soup and followed my directions for putting it all in the crockpot and it turned out great. We only ate half of it despite everyone having two bowls but me so plenty leftover. Still, it was a pretty cheap food day all in all.

I am tentatiely planning better food for tomorrow but I think I'll wait until then and see how I feel and then post it for the day. I've got two written out, one for if I feel better and one for if I don't.

DH spent $5 on a box of Campfire Girl Mints. I told him they have to last for two weeks at that price. I also bought several vitamin supplements today for my immune system and because of muscle cramps in my calves. Magnesium, potassium, golden seal, echinacea, vitamin C, and fish oil. Spent around $75. I'm rounding because I don't feel like getting up and checking the receipt.

I've managed to catch a cold on top of my kidney infection. It's that awful sort of full head, dripping nose, sore throat, don't want to do anything productive cold. So my meal planning kind of went out the window. We did not get takeaway though, no matter how sorely I was tempted. This makes...16 days I think with no eating out.

Instead I opened the cupboard doors and pulled out chili for the boys and beef stew for the girls. I don't like to do that sort of thing often. I'm not a big fan of processed foods but the chili was from Trader Joe's and the stew doesn't have additives or preservatives so in a pinch it'll do. That was about $7. I also ate ice cream twice today. Not something I normally do, but my throat hurt so much I just didn't care. It's $4 a quart and I ate half of it. Yikes. Oh, well. I hope I feel better tomorrow.

DH spent $25 on a plumber's snake today and used it to clean out the dryer hose. The dryer hasn't been drying properly in ages and after going through three cycles on high heat with one load he figured out it was jammed up. It's twenty feet from the dryer to the outside vent so he bought a 25 foot snake. He got out enough lint to make a cat with. Now it's drying nicely. One thing to look for when we buy a new house is a dryer connection on the outside wall of the house. It was so easy at our old house, you just reached in from the outside and pulled out anything that was there. This house was badly designed when it comes to accessing things.

The final interest payment on the loan posted today so it is officially paid off, unless they pull something like interest on the interest. Darn evil empire(BoA).

My meal plan for Wednesday is basically Joe's O's (like Cheerios, but organic and from TJ's) cereal for breakfast and whatever DH packs the kids for lunch and chicken noodle soup for dinner. I've got onions, carrots, celery, parsley, chicken broth, some leftover chicken, and noodles and they can just go in the crockpot and simmer away for four hours.

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.

Well, DH and I talked it over and we decided to go ahead and pay off the AMEX card on Friday. I'm still getting the hang of the new budget and the higher income, but it looks like I'll be able to come up with $1000 of the payment just out of the paycheck and only have to dip into the emergency fund for the just under $500 of the remainder. I feel a lot better about that. I really didn't want to take the whole amount out of the EF. It'll be a little tight doing it this way, but I'm used to living on tight. And anyway, it'll make things less tight from the end of February onward.

The car payment came out of checking today so that was $490.70 for that and then I bought some groceries today at $37.47. We also filled up the gas tank for $37.09. There was no other spending today.

We are on day ten of no eating out. Today was the first day that the kids really fussed at me about it. Their dad came home today and in the past we have usually gone out on that day. Instead we made spaghetti and hamburger for dinner. We had a little leftover hamburger from last night and then did up another pound. Between the milk, spaghetti noodles, the tomato sauce, the herbs, and the hamburger it cost about $8 to feed the four of us. Going out to Olive Garden like the kids wanted, even with drinking only water and having no dessert, would have cost us between $65 and $100 with the tip. Pretty darn good savings, methinks.

I made homemade blueberry jelly with my mother yesterday. We took frozen berries from the freezer. The berries were free since they came off her bushes this summer. So just a bit of money for the sugar.

Planning for tomorrow, breakfast will be eggs, milk, toast with jelly, and bacon. Eggs are free-ish from the chickens and toast is pennies because I made the bread myself. Bacon is $3.99 a pound for the nitrate free kind and we will go through half a package. So breakfast will be about $4 with the cost of the milk. Not bad. We're really starting to get the cost of breakfast down.

Lunch will be club sandwiches all around to use up the rest of the bacon and the nitrate free lunch meat that has one day left on it. Plus we've got 3/4 of a tomato that needs using up and a bit of lettuce. The kids don't mind eating them cold in their lunches, but DH's and mine will be delightfully warm. I use Dijon mustard on mine instead of mayo for a bit of a kick. We've got some carrots that need using up so will add that and some bananas that have just ripened for fruit. We drink water at lunch. Not quite sure on the price range for that, I haven't sat down and done the calculations yet.

Dinner will be baked chicken ($4.29), green beans ($1.50), potatoes and gravy ($1.00), corn bread (.79 Jiffy mix) and oranges ($2.00) and milk ($2.00). Mom will be eating with us so that will feed five and we should have two pieces of chicken and some potatoes and gravy leftover for later meals. Possibly some cornbread but probably not. So $11.58 plus leftovers, not too bad.

Tomorrow is my second baking day of the week so I will make buns, biscuits, cornbread and possibly pumpkin bread if I still have the ingredients and the time (I have a doctor's appointment tomorrow so may not have as much time as usual). I think I saw a can of pumpkin kicking around last time I went through the cupboards. I think I'll try to talk DD into making sugar cookies tomorrow after school if she doesn't have too much homework. She's got it down pat and they are so good.

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.

I just signed in, spent almost half an hour composing a long and detailed blog entry, went to post it and got a notice saying I am already signed in as me. Yeah, duh, I know, what's your point? Give me back my entry. Of course it's gone into the ether. Between that and having to sign in every single time I come here this week instead of it saving it like it's supposed to when you hit remember me, it's getting really frustrating. I don't even have the energy now to recompose the whole thing. Too bad, for it was light and witty and would have changed your world. *snerks*

So the basics for yesterday:

Medical--$20 co-pay doctor visit
Medical--$11.81 prescription for kidney infection
Allowance (six weeks) kid #1--$60 @ $10 per week
Allowance (six weeks) kid #2--$30 @ $5 per week
Utilities for my mother--$300
EF deposit--$100, bringing total to $8,100.00
Parking meter at library--$0.25

Added all the ones in my purse to the coin jar for the computer fund and dumped out all my change save a quarter for the meter.

Got another hold from the library yesterday. This one is significantly more useful. It's called $3 Meals by Ellen Brown. A more appropriate title would be $3 per serving Meals, but otherwise I'm quite happy with it. I think I might be able to cut out about $50 a month from my grocery budget using her strategies. It was published 2009, too, so it's not terribly outmoded when it comes to how much stuff actually costs. I just wish it didn't rely so much on some of the things we're allergic to here like vinegar (allergic to grapes and apples so wine and cider based vinegars are out) and mushrooms. Still it's not all beans, rice and lentils. It actually has meat, poultry, and fish, so yay. We'll see how it goes.

I have more bills to pay out of this paycheck but will do that tomorrow or Monday.

I had planned on coming back on here to blog last night but never got around to it. After I went to the doctor ($20.00 co-pay), I was diagnosed with a kidney infection, which explains a lot of why I've been so tired and draggy lately. I had to go to the pharmacy and pick up a prescription ($11.81) and while I was there I also got a frozen pizza for dinner. Lovely health benefits in those frozen pizzas. *snerks* So paid $3.99 for that. At least I didn't give in to the lure of the drive-thru. My mom's making dinner tonight since she's eaten with us three times this week, so I don't have to cook. It'll be ribs and potatoes and some veg or other. I know I have some leftover broccoli that needs to be eaten up.

I finished reading through the book The Healthy Family and while I do like a lot of the recipes and think some of them would be cheap to make, I'm still bothered by the reliance on cream of something soups. So I'll have to be very picky on what I make from there.

I got a call from the library's computer yesterday saying I had another hold in, so I picked that up yesterday since my daughter's high school is only a few blocks away. I combined it with picking her up. So that was another 25 cents for the parking meter since not only were both of the five minute drop off slots full again, a specialized transportation bus was double parked behind them letting off someone in a wheel chair, since all the handicapped slots were filled, too. So even if the drop off slots had been empty I would never have gotten near them.

Anyway, I spent last night reading the book I checked out which is called $3 Meals by Ellen Brown. It would be more appropriately titled $3 per Serving Meals, but otherwise I really liked what she had to say. She shares my opinion about cream of something soups, too. Even calls it the same thing.

It's divided up by categories like shopping (peruse your own pantry before shopping to see what you have so you don't buy duplicates, telling you the cheapest cuts of meat to look for and how to shop the store against its set up) and cooking strategies, the basics of making your own stocks, sauces, dressings (not just the easy vinegar and oil ones, but things like 1000 Island and peanut sauce) and such, soups, fish, poultry, meat, vegetarian, and baking. It was a breath of fresh air not to see another cookbook that could supposedly save you money and then all they serve is lentils and beans.

My only real complaint is my usual one with most cookbooks, the reliance on vinegar (my son is allergic to grapes and apples, so no wine based vinegar or apple cider vinegar) and mushrooms which I am allergic to. It is easy enough to leave mushrooms out, but it is harder to leave out the vinegars and I'm not sure what I'd replace them with. Wine I always replace with broth, but vinegar is an acid. I'd think lemon juice maybe, but the amount couldn't possibly be the same.

Aside from that there were plenty of inexpensive recipes I can try for keeping the grocery budget down. I think I might be able to trim at least $50 a month using some of her ideas. Maybe more, but I'm keeping my estimate conservative for now. Definitely a book well worth the read.

Other money spent yesterday was a check I wrote for $300 to help my mother with her utilities. I still have a few bills to write out but probably won't do that until tomorrow. I added $100 to the EF fund and emptied all the ones in my wallet into the coin jar. They will go to the computer fund. I also paid the kids six weeks worth of allowance (we are on a six week pay cycle), so that was $60 for my daughter who makes $10 a week and $30 for my son who makes $5 a week.

They both do a significant amount of chores. They both help with meal prep including dividing up meat for the freezer, chopping veggies for the week, peeling potatoes or carrots for dinner, making the salad (or when we make homemade fish or homemade cheese sticks breading the fish or cheese. My daughter even does the cooking twice a week on her own, now she's fourteen. I've even found her putting the ingredients for bread dough into the bread machine before she leaves for school if she has extra time in the morning without being asked.

Both kids make their own lunches for school and keep their rooms clean. My daughter does laundry and my son helps fold. Daughter takes out the trash and my son is in charge of the recycling. My son vacuums the floors and scrubs the bathtub while my daughter scrubs the shower stall and higher parts. I still can't convince either one of them to scrub the toilet though!

They both also help my mother with whatever she needs done in the house and in the chicken yard. Usually that means mucking out the coop and replacing it with fresh hay.

And my daughter babysits her brother at least two hours a week when otherwise I would have to hire someone, so I won't skimp on allowance when we have the money to afford it. They also know not to ask me for anything. Whatever they want (that isn't a basic) has to come out of their allowance. My son bought his own DSI this way, even though it took him several months. He treats it better having earned it himself. Sometimes I think I don't give them enough, but my mother thinks I give them too much, so...eh. It's probably just right.

My son has his own recycling business as well. He goes around to all the neighbor houses with my mom for company and collects their aluminum cans once a week. He can usually earn about $20 to $30 every six weeks or so doing this and he only has thirty houses on his route. People use a lot of soda pop and beer around here. He wants to expand his route this summer to add another block but he would need a cart of something to do it. I'll be on the lookout come spring for one at a garage sale.

So I sent off $1,438.00 electronically to pay off Master Card #1 in full. I also paid $300 on Master Card #2. I set it up last night so that it would come out today and I'm glad I did now since the BoA website seems to be down but good. It's payday so I will be paying some other bills today, but that will be later after I go to the doctor ($20 co-pay). For now I'm just excited to have a card paid off.

$144,460.08 Debt
-001,438.00 MC#1 payoff
-----------
$143,022.08 Debt Left

I won't adjust for the other credit card or the mortgage I paid a couple days ago until new totals have been posted to those accounts.

I went to the grocery store today and spent $36.50. They had prepared chicken on sale, ten pieces for $4.99, less than the cost of a raw whole chicken by a dollar. I don't usually buy their prepared chicken but it seemed silly to buy the raw one when I really didn't feel like cooking at all as I'm coming down with something and the cooked one was so much cheaper. We had leftover potatoes and gravy in the fridge from earlier in the week and we opened the ever faithful can of green beans. All in all a pretty frugal meal, and there are still five pieces of chicken left so we will get another dinner, plus a lunch for somebody out of it.

I gave my mother the white meat since she likes it and we don't. I also bought one of their prepared 1.5 pound meatloaves for $5. Hamburger here is $2.50 a pound and if you add in the cost of the ingredients, it is pretty close to breaking even. Maybe 50 cents cheaper to make it myself, but again I really feel yucky. I just got the kids well, so I don't need to infect them with whatever I'm getting.

I went and looked up the amount still owed on the car finally. It's about $3000 less than I thought at $17,022. That was a nice surprise. I really should keep better track of these things.

Tomorrow is payday and I'm looking forward to paying off MC #1. This month has been really exciting so far as paying things off go. I like making progress. It makes me giddy.

I want a new laptop computer. I sort of think I need a new computer, but the truth is really that I want one. And I know it. The one I am using is still perfectly serviceable...for a while. Yes, I've worn all the lettering off most of the keys, but I've got the keyboard memorized. It's not like I need them.

Yes, the screen does have some colored, verticle lines running down it, but it usually doesn't interfere with anything I'm doing. It's on the side of the screen where all the ads usually go on websties so it doesn't really interfere with my reading blogs or articles or whatever I'm doing. It doesn't even really affect my word processing (which I do a lot of) because the closest line to the document is right at the right hand margin. I've been putting up with that for almost a year, but they are gradually creeping further to the left. It's annoying, mostly when I watch DVD's on it.

And yes, I had to superglue parts of it together when it was only six months old, because the frame was falling apart on me. It's actually held up really well since I did that. And yes, I've had to replace the power cord twice, but the battery still holds almost a full charge (which lasts 3.5 hours on powersaving mode).

It's also very heavy. Which is hard on my hands when I carry it anywhere with me. I really want a lightweight one. Something I can easily transport when DH isn't around to be my beast of burden. The one I want is about two to three pounds. It feels like a feather in comparison. And it comes in hot pink, purple, green and red. *sighs*

It'll be two years old in February and really...I just don't need a new one. Not yet. However, I think I am going to start putting money aside for one, because obviously this one is falling apart and there is going to come a time when it moves firmly into the need (as much as a computer can be a need) column.

I've got this little savings account that I call my WANTS account. It's got a grand total of $47.37 in it at the moment. So I think I'm going to find ways to add to that. I think that since I am regularly contributing to the EF with regular deposits, I am going to take any found money, all of my coin jar savings, and any little thing I do to save myself money that I normally would have spent it on, into that account. So today I cut my bangs myself. Even at the cheapest place in town that would cost me $7. So I will $7 to my WANTS account for that.

It rained really hard this afternoon and all of the snow melted. It's 47 degrees at current. Hard to believe it was a snow day! We ended up going to the library because some of our requests came in. I spent a quarter today for the parking meter. The stupid, newfangled metering system no longer has fifteen free minutes on it. It no longer has the option of using a nickle or a dime, either, and the quarter only buys you 20 minutes. And the five minute drop off slots were all full. I miss having a library with free parking. We only needed five minutes tops to pick up our holds. Holds are self serve and so is checkout. It takes hardly any time at all.

Anyway one of the cookbooks I put on hold last night was in. It's called The Healthy Family by Sandi Richard and has a lot of easy to prepare, quick to make recipes in it. It was rec'ced over at Get Rich Slowly so I thought I'd check it out. The kids were reading it over my shoulder and it looks like they will actually like at least half the recipes. That's a first. Mostly they looked pretty good to me.

I was a little disappointed in some of the recipes ingredients though because they called for things like "cream of" soups. I've never found a healthy "cream of" soup. They are all loaded with sodium, MSG, and other chemicals that I don't really think should be anywhere near a "healthy" cookbook. Those tended to be the ones the kids turned their noses up at though.

And there was almost an abuse of white rice. I mean, I know if you are going for time saving then brown rice isn't your first option, but white rice probably shouldn't be either if you're going for healthy. And with brown rice you could do up a big batch on the weekend for use throughout the week and still save time. But lot of the other recipes seem okay. Especially the Asian style ones. We'll see how they taste and I'll try to follow up if I remember. They do call for a lot of sauces and again that generally means a lot of sodium.

...but since I'm trying to make daily blogging a habit again, here I am.

I paid out $46.27 for perscriptions today. Two generics and one pricey brand name that is unfortunately the only med that works for me. At least the insurance with DH's new job is good. The pricey one is $40. The other two were cheaper than our insurance so bought those outright.

I also paid $5.99 for milk while I was there because we are supposed to get socked with a snowstorm overnight and if we do I didn't want to run out of the one thing I can't make from scratch in a pinch. (No, I won't drink dried milk, I've tried it every way they've suggested to make it taste better, but just ew). Part of me hopes it snows so bad the schools shut down. The other part of me doesn't want to be stuck in the house with the kids all day and really wants what is currently on the ground to melt instead and for winter to be a distant memory.

Well, I did it. I went down and paid off the Gold Star loan in full at Bank of America. They were kind of impressed. The teller was like, "Wish I could do that," grumble, grumble, sigh. I messed up my numbers the other day and had to go back and correct them.

$182,783.95 total starting debt (minus car)
- 38,323.87 payoff amount
-----------
$144,460.08 total ending debt (minus car)

Take that Evil Empire of Creditors! It feels marvelous to see such a huge drop like that!
That leaves just $29,133.45 of interest bearing unsecured debt left and I really do think we can pay that off this year if we are careful with the budget. 18 months tops if we leave a little more wiggle room. On Friday I get to pay off Master Card #1 in full. Yay! Then the money that has been going to pay that will go to the next credit card we will pay off.

On my quest to not eat out I had leftover potroast/sweet potato hash in a tortilla and for dinner tonight I am making salmon patties from canned salmon in the pantry (just egg, green onions, garlic, salmon and a bit of salt and pepper). Easy peasy. I'll probably open a can of green beans and a can of corn as well.

I found 2 more pennies in the snow in the parking lot at the physical therapist's office. That makes $5.05 this month.

Wrote a check to the physical therapist for $90 as well. That is the only money I will spend today.

Edited to add: I forgot about the fact that I paid the mortgage today as well, so $375.86 was also spent for that.

Not too much going on around here this week. I sent off $2600 to credit card debt, paid off my surgery debt of $863, and paid the phone bill for the old house (have to keep the line for the security system).

The most excitement I had was chasing three ducklings and one chick who refused to go back into the chicken coop after their airing. It took three of us to catch them all. It's a far sight harder catching those ducks now they weigh two pounds then it was when they could fit in the palm of your hand and only had a bathtub to race around instead of a yard.

I've finally gotten a medication that seems to be killing this sinus infection I've had forever and am feeling a little better. At least I'm able to breathe through my nose again which does wonders for my ability to sleep through the night. I have been eating out too much though this last week when I was feeling miserable. I was getting the cheapy fast food meals which was better for my wallet, but not great for my health. I did eat up the pre-cooked frozen meals first though at least.

Because of the eating out I had $8.46 in change to add to my change jar. No, I still haven't gotten around to taking it into the bank.

$79.84 starting amount
+ 8.46 amount added
-------
$87.94 ending amount

I think tomorrow I will feel good enough to start cooking again so my goal is no more meals out for the rest of the week. One of the nice things about being so sick was that I did manage to get off Pepsi. My soda habit was getting expensive again and even if I was drinking the Throwback instead of the stuff with high fructose corn syrup, pop is just never healthy. I can already see improvements in my sleep pattern and in my skin tone, both of which always suffer from the combination of caffeine and that much sugar. I think I will start adding the $15 a week I was spending on soda to my EF. And that's about it.

Yesterday was payday so I sent off $1200.00 to the credit card and the autopay for the car payment came out of 490.75 and we are down to having three years left until the car is paid for.

I did a bit of grocery shopping, not a lot, just for things like milk, tortillas, bananas, sour cream and scallions. They also had a special going where if you bought one beef roast you got the second one free along with a five pound bag of potatoes. Now, it wasn't really a great sale. You paid about as much for them as you would have if you'd bought two roasts on a regular sale, because they jacked up the price of the first roast you had to buy to get the rest of it free. It was still a good deal, but definitely not truly "free." But accepting that, the potatoes truly were free. Since I want to make baked potato soup tomorrow and we always are making pot roasts in the crockpot it felt like an acceptable sale for our needs.

When I got up this morning I assembled all the ingredients I would need to make dinner and put them in the crock pot. I've been devouring a blog on slow cooker cooking that Monkey Mama linked to a few days ago, and she had a recipe on there for orange chicken. Orange chicken or pineapple chicken is pretty much my all time favorite "fast" food from the polynesian takeaway place we have here in town. But we don't eat there anymore because of T's allergies. It's full of all kinds of chemical goodness so it's off the list of places we can go to and with us cutting back on going out anyway, we just haven't been there in ages.

I made a lot of changes to her original recipe for orange chicken: http://crockpot365.blogspot.com/2009/09/slow-cooker-orange-chicken-recipe.html

And basically ended making my own version with what I had on hand. It turned out perfectly and I was completely thrilled, because it tasted better than the takeaway place and cost about half as much to make from scratch.

I didn't have any frozen OJ in the house so I substituted frozen pineapple juice.

Here's my version of Pineapple Chicken. I doubled her recipe because I wanted to make some for the freezer as TV dinners.

3 pounds chicken wings
1 cup of flour for dredging
2 tsp kosher salt (her 1 T was too much for me to even think of putting in, especially considering I'd have had to double it)
1 12 ounce can pineapple juice concentrate, thawed
6 T brown sugar
6 T ketchup
2 tsp apple cider vinegar (I didn't have balsamic)
olive oil

Dredge chicken in flour and brown in a bit of olive oil, just long enough to make sure the flour sticks to the chicken. Dump the chicken in the crock pot. Mix all remaining ingredients in a bowl and then pour over chicken. Cook on low for 6 to 8 hours. I pulled mine out at about 7 hours. I had a couple little containers of sesame seeds so I dumped some on my portion because I like them.

I had some frozen, cooked brown rice in the freezer so thawed that out and warmed it up and ate it mixed with the sauce and chicken. Added canned green beans for a veg. A good meal all around and there was enough left to package up 8 TV dinner meals for the freezer.

I really like cooking in the crock pot. It's nice to make something in the morning when you have energy and have it ready for you in the evening when you don't. Or even to do it before you go to bed and have it ready for you to deal with in the morning. I like cooking once and having enough leftovers for several meals down the road. It saves energy, it saves time, and it seems to save money as well.

My youngest turned ten today. I think that's way harder for me to grasp than the fact that I turned 40 in February. In less time than he's been alive so far, he'll be heading off to college or trade school. Wow. I hope he earns lots of scholarships.

My sister's kids descended en masse on us, presumably to celebrate my son's birthday and not to eat us out of house and home. I hadn't really planned on doing anything other than making T pizza for dinner because it was what he wanted. We already celebrated his birthday and gave him his presents last weekend when his dad was home. Today was just supposed to be a mellow day. T didn't want any more than that.

I wasn't feeling good. I'm still not, been fighting a sinus infection that's not responding to meds, and I just really wanted a quiet day. R made the from scratch chocolate cake batter while I sat curled up in a chair in a blanket in the kitchen and read out the ingredients to her from my laptop. Then we discovered that mom's one cake pan was flaking.

I haven't brought in my glass cake pans or my metal rounds yet and I really did not want to have to drive with my head this full of congestion and buy a cake pan when I had good ones at home. Didn't want to drive back to the house either. Fortunately I had bought baking cups for making muffins and had my muffin tin here so instead of a birthday cake he got birthday cupcakes. I did put together the from scratch butter cream frosting but R stayed with it in the kitchen while it blended for the ten minutes. I love having a child who is old enough to bake with minimal supervision.

I had started the dough in the bread machine as soon as the cupcakes went in to the oven. They were cooled and frosted by the time the dough was done rising and I had assembled the pizzas and they were ready to go into the oven. I had only intended on using part of the dough to make one pizza but with extra mouths I suddenly had to feed I ended up using it all. Fortunately Mom has one of those ovens that has two parts so you can cook two things at once. I was able to cook them evenly and not one after another and they came out perfectly.

T loved his birthday dinner. He said it was better than Round Table Pizza and a bakery cake. Which made me feel pretty good, considering that from making it all from scratch, I spent around $12 where all that pizza and cake bought elsewhere would have rounded out around $60. The boys loved the food too and wished that their mother would cook like that. They said it was the best pizza they'd ever had. That made me feel good even if I was kind of annoyed with the whole day's change of plans.

I think I probably would have taken it better if I wasn't so grumpy from being ill and tired and if it had been planned and not suddenly thrust upon me. *sighs*

I had to go buy a few gallons of organic milk yesterday so I ended up with $3.58 in ones and change out of a $20 to add to the coin jar.

$60.28 beginning balance
+ 3.58 amount added
------
$63.86 ending balance

Yesterday I also paid $1079 on the credit cards and $375.14 on the mortgage.

It's been a busy last few days. My husband and I spent a lot of time out at the house over the weekend packing, cleaning, and sorting. At least it's now starting to look like we're making a dent. I solemnly swear that I will never have so much stuff again in my life.

Downsizing is a very good thing. Stuff I cared about 10 to 20 years ago when I bought it, I pretty much don't give a hoot for now. Since a lot of it was bought on credit, that really makes me stop and think when I get it into my head that I want something new now. I ask myself will I care about this in a year, five years, ten years?

Really, the only things I want to keep anymore of my own stuff are books, DVDs and VHS tapes of movies, photographs, two boxes of old notebooks filled with fiction and poetry I wrote as a kid and young adult (and only until I can type it up and store it on a flash drive or two), my geology notes from college, my wedding dress, jewelry, my laptop, my DW action figures (yes, I'm a dork) and clothes (about half my current wardrobe). Which boils down to about a tenth of my stuff.

We've certainly downsized the kids' stuff. And just plain thrown out probably a full rubbish bin of happy meal toys. Geesh, that makes me sick thinking of how much we've spent on happy meals since our oldest daughter was old enough to start eating them. They've outgrown them now, and we rarely go there anymore, but when you look at all the evidence left over of going there from the past, yikes.

We also celebrated my son's tenth birthday with a meal out at Olive Garden. It's one of the few places he can eat and not have a bad reaction to what's put in the food. His real birthday isn't until the 13th, but since his dad left for Alaska yesterday we celebarted early. We spent $61.23 including the tip.

I found all kinds of coins when we were cleaning at the house. They were everywhere. On the bookcase outside the spare room, on the piano, on an old TV stand. I still can't believe there is that much change just laying around out there, and I still haven't remembered to nab the actual coin jar with change in it and bring it home. Between what I found and the six ones and change in my wallet I came up with $9.71. I did actually find a Canadian dime as well, but that's going in with the rest of the Canadian money kicking around for when we go back to Victoria again.

$50.57 beginning balance
+ 9.71 added amount
-------
$60.28 ending balance

Once I remember to grab the coin jar from home which also has the coin wrappers in it, I'm going to roll up the change and make my first coin jar deposit of the year to the safety net account. Slowly but surely that is growing.

The new chicken coop is coming along nicely. The base and floor have been built and they are starting on the walls today. I still can't believe Mom actually is going to do this, but she is. It's not exactly something I would take on at 70. Heck, it's not even sometihng I would take on now at 40.

I think we did fairly well this week. We went to Trader Joe's and to the local grocery store that has the cheapest price on organic milk and potatoes. We spent $45.82 at TJ's and $15.95 at the other store.

I ended up with one loaf of bread, 2 heads of cabbage (one purple, one green), 3 pounds of broccoli, one pound of asparagus, one head of cauliflower, a head of lettuce, 2.17 pounds of roast beef, a 15 pound bag of potatoes, 1 bunch of radishes, 1 large family bag of plain potato chips, 2 gallons of milk, 2 pounds of carrots, 4 large onions, and a head of garlic for roasting.

We also went to Costco for the big monthly stock up. It came in at $140.92. There we got 3 18 packs of organic eggs, large tub of pre-minced garlic, a 3 pack of English cucumbers, 5 pounds of pork chops, 6 pounds of boneless skinless chicken thighs, a case of oranges, a case of green beans, a case of pineapple, 4 pounds of butter, 4 pounds of unsalted butter for baking, 25 pound bag of flour (yay! I can make bread again), 10 pound bag of sugar, big package of all beef hot dogs, and a case of toilet paper.

We didn't buy any beef because I still have 8 pounds of hamburger and 2 large pot roasts in the freezer. Ditto canned salmon or tuna because we have a little over half a case of both. And I still have plenty of frozen salmon from that big fish I bought last month.

For the rest of the month I should only need to buy milk, fresh veggies, and possibly bananas if they start looking fit for human consumption again. I still have about 4 or 5 apples left from last month. They aren't really a favorite around here and Tobias is allergic to them so we don't go through a lot unless it's honeycrisp season.

Between the three stores we went to I ended up with some ones and some change to add to the coin jar.

$43.73 beginning balance
+ 6.84 amount added
-------
$50.57 ending balance

Tasks for tonight are to sit down and balance the checkbook for the week and to make up the menu plan for the next week. Our menu planning runs Saturday through Friday, usually

I also need to bake tomorrow, hamburger and hot dog buns and cloverleaf rolls (recipe was posted earlier this week) and bread, and Rose wants to do a batch of her famous sugar cookies.

I might make brownies, too, since I have been craving chocolate this week, but none of us can have store bought because of the vanillin or yellow #5. Doesn't take all that long to make them from scratch and they always taste much better. Now I just need to decide if I want to use cocoa or baker's chocolate since I have both on hand for a change. And I need to make a cake and frosting from scratch for T's birthday. He turns 10 on the 13th (my baby is ten!), but his dad goes back to Alaska on the 9th so we are celebrating early.

Which reminds me we still have to go up to the used video game store and do his birthday present shopping. He prefers used games because he can get more games that way than if he got new. He's really starting to get it about value for money. It started with his own allowance that he would do it, but it's carried over now since he knows he only gets a limited dollar amount for his birthday, too. Now that his reading has started to take off we might just take him down to the used bookstore and let him get a few books from the children's room there.

We also paid the chiropractor today. $215. They've raised their rates from $195 for the one month plan. It's still a good deal (up to 3 visits a week per family member for the four of us), and he hasn't raised the rates in five years. The difference is, as he put it, one less meal out at McDonalds per month, which no one really needs to eat at anyway. Of course, we're not really going there that much anymore and when we do we order off the dollar menu so it's closer to two visits cost for us, but still, I like his thinking.

Okay, I think that about catches us up on the last few days.

My husband flew home from Alaska this morning and as is his habit, he sort of empties his pockets as he goes through the house, trailing receipts and change. I followed the trail and ended up with $1.50 for the change jar.

$32.59 beginning balance
+ 1.50 amount added
-------
$34.09 ending balance

We also went grocery shopping this afternoon and spent $46.53 at Trader Joe's for two stuffed full bags of groceries, mostly veggies but 2 pounds of ground beef also. It always shocks me that a one pound package of organic hamburger there is cheaper than anywhere else around here for the non-organic type. I even remembered to bring my Trader Joe bags so got an entry into their grocery drawing. Now I just need to remember to put the bags back out in the car.

I made hamburger buns, hot dog buns, and rolls today. All from the same dough. It's pretty easy and they are far superior to anything I can buy for less money than it'd take to buy one bag of buns or rolls. I'll probably do up a big batch of soft pretzels over the weekend. They freeze well after baking and then can be nuked when ready to eat. I might also make up a batch of corndogs. T has been wanting them lately, but he can't have storebought and it would give us something to keep in the freezer that would be easy for him.

I think I finally found a recipe for making battered fish that I'm going to like. I hope so. We love fish and chips from restaurants and I have been trying for months to get a close approximation of it to make at home. I've had no problem making the chips but the battered fish has been more elusive. If the cod looks good at the fish market tomorrow I'll get some and try this latest recipe out. Making it at home will be so much cheaper than getting takeaway.

We're doing pretty good on not eating out and on leftover management. I had to throw out part of a bell pepper this week and one moldy tortilla. Not bad considering how much food we used to toss. Slowly but surely we are finding our frugal feet again.

My brother-in-law and my nephew stopped by today and I did not find out until dinner time that they'd eaten all of our leftovers that I was planning to use for dinner tonight and lunch tomorrow. At least they didn't drink the organic milk, probably since it was non-fat. They did down six cans of Mom's Sprite between them. They are used to coming over, going into the fridge, and eating whatever they want. Which was fine when my mom was the only one living here. My mother didn't care. But I do.

Aside from the fact that it was my grocery budget they were eating up, what really irks me is that they ate enough food in one sitting to provide two full meals to the four of us. No one needs to eat that much food at one time.

I ended up on the phone with my sister and from now on they've agreed to ask first before eating anything here. Sister was not happy because they arrived home an hour after leaving here and proceded to eat a full dinner. Since they are both very much overweight (both morbidly obese) and supposed to be watching their diets, it made her pretty mad that they were sneaking food.

I had planned to be able to just nuke up dinner in five minutes time and planned our day accordingly. Everyone was starving by the time we found out so I did what I would have done before the belt-tightening. I jumped in the car and went to McDonald's. Old habits die hard, I suppose. Still, I ordered off the dollar menu and we had drinks at home, so I wasn't completely out there. Ended up spending $6.46. Everyone got a double cheeseburger and small fries and we had oranges and canned green beans at home to round it out. Mom had decided to fend for herself and made chipped beef on toast.

I need to go back to making up our own tv dinner meals to keep in the freezer. I'll be making a big batch of burritos up later in the week, so if I freeze the extras in individual portions that'll be a start. We do have a fridge in our wing of the house, just no stove, so some things I keep up there because it's where I do the majority of the cooking, so I don't have to be schlepping stuff up there every time. I won't make that mistake again.

I think I'll put a pot roast in the crockpot before I go to bed so I'll have some meat to work with for tomorrow's meals when I get up. I think I'll also thaw and brown up a couple pounds of ground beef to have on hand. If I'd had some pre-cooked hamburger on hand tonight, I could have just quickly seasoned it and made tacos.

I added $3.54 to the coin jar, the change from the ten I used at McDonald's.

$29.05 beginning balance
+ 3.54 added
-------
$32.59 ending balance

I didn't really feel like dumping out my bank today, so I don't know how much is in there at the moment, but I did empty my purse today and gathered up all the loose change and one dollar bills.

$ 8.00 in ones
+ 8.59 in coins
--------
$16.59 in the coin jar

Tomorrow I'll take the time to shake out the bank and see what's in there and add it to the total. I know there's some loose change floating around on my dresser and night stand, too, so when I declutter those I'll add that amount in as well.

The kids have been wanting pizza really badly the last couple of days and have been begging for Round Table pizza and I almost gave in to them today because it was payday and hey, it would be easy. Plus it's one of the few restaurants my son can eat at with his food allergies.

The thing was that there was plenty of time before dinner to start mixing dough in the bread machine and we had two unopened packages of pepperoni and Canadian bacon and a 2 pound brick of mozzarella. I had herbs and tomato sauce. The pizza pan was even clean. There was absolutely no reason to go out for pizza when I could make a perfectly good one that they would like better at home. The only thing stopping me was lazinesss. I got over it. *laughs* Just one of the things I need to do in readjusting my thinking back to a better way of doing things for financial gain.

So it was 3:45 and I popped the five ingredients I needed into the bread machine, set it on the dough cycle, which takes 63 minutes, and had enough time to run to the bank drive-thru and pay the credit card bill (take that evil empire!) then stop at the grocery store for milk.

They happened to have broccoli (crowns for 69 cents a pound!) and asparagus (for 99 cents a pound) and cauliflower (79 per pound) and a head of cabbage (33 per pound) on really good sales so I picked up those and glanced at the fruit. Nothing really looked good despite the prices and we still had apples and oranges and frozen bell peppers at home, so no need to buy anything even if the green bananas were 29 cents a pound.

I made my way over to the fish counter to see if they had anything on sale. They had wild Keta salmon $4 per pound if you buy the whole fish. They filet it for you right there and since the counter was devoid of customers I didn't feel guilty about taking the time to do it. I ended up with four pounds of usable fish for $20 which works out to $5 per pound after all the discards are taken out of the original five pound fish. Not bad for what will amount to six meals worth of salmon.

Nothing else was on sale and I have plenty of meat in the freezer so that was all I bought. Between the milk, veg (I bought a lot of veg, we eat a lot) and milk (organic), I spent $48.74.

I got back home to my mother saying the bread machine had just dinged (ha, timing!) So while my son and I divided the dough and put two balls in the fridge for later this week and started stretching out the other one, my daughter preheated the oven and shredded the cheese. We added the sauce to the dough, sprinkled on basil, oregano, and thyme, added cheese and the meats and by the time we were done the oven was warm.

With everyone pitching in it didn't feel like a huge production making it, we all had fun and instead of paying $30 for a large pizza, we'll end up with three pizzas for the same price of on hand ingredients we would have paid for the other. I used to do this all the time. I used to be good at it. It's coming back slowly but surely.

Well, I say big storm. Not exactly a hurricane or the like, but relatively big for our area. It was enough to knock power out through much of NW Washingtion, us included. It went out at about five, just when I was in the middle of cooking a lasagna. It went into the fridge with a bag of ice from the freezer so it didn't heat it up too badly in there.

First thing we did was clean off the woodstove and the surrounding area while it was still light. It's kind of been used as a catch all for the summer. It only took about 20 minutes to get it cleared and to empty the ash from last year. DH was supposed to have done that before we shut it down for the summer, but he forgot. Apparently.

Anyway, we didn't end up needing to use the woodstove because the temperature outside didn't drop below 58 degrees. But it's cleared now, so the few nights when it's dropped down to the 30's and 40's and I've had to use the propane will be a thing of the past. We intend to use the wood stove for the rest of the fall/winter/spring. We have all the free wood we cut up and chopped from the summer of '07 and it is bone dry now. So no more heating bills after the next propane bill comes due. It's got maybe 3 weeks of sporadic use on it.

We did end up going out for dinner in a little town down the mountain about fifteen minutes drive away, where they still had power. The place we wanted to go was packed so badly people were eating outside under the awning, in the rain. No thank you.

We ended up at a smaller family style restaurant that is tucked away from the main strip. It was good food and everybody cleared their plates, but the cost was still higher than I like to pay on a meal out for four. With tip it came to $63. Won't be doing that again for a while, but it was great service and delicious.

If we'd had the makings for anything that wasn't raw or didn't need to be heated up, we'd have done that instead. We were even out of peanut butter and bread, but I go shopping today to remedy that. We've been eating out of our cupboards for three months while we use up stuff that's been there for ages. Empty cupboards just happened to coincide with power failure. *sighs*

We had power back before we went to bed when they'd been anticipating not having it back until today some time. Not too bad, considering.

Today was the day of the auto deposit of $10 to savings. I transferred it to ING.

$2188.58 Old EF Balance
+ 10.00 Deposit
---------
$2198.58 New EF Balance

I also spent $74 on the 3rd Series DVD set of Doctor Who which came out this week and arrived in my mailbox today. It is nice living so near to an Amazon shipping warehouse. 2 day shipping for the price of 3 to 5 business days. I won't be making my usual monthly music CD purchase. Not that they are comparable in price but my deal is one purchase like this a month whether it be a movie, a DVD set, or a music CD.

Not too much going on. We've got a long weekend here. Today was early release at school and then the kids don't go back until Tuesday.

I will be taking Rose shopping for basketball shoes later this week, which will cost, and a couple pairs of winter pants. She really only has two pair now that the weather has turned and the cold season has started. Since there was snow in the rain today I need to rectify that pretty quickly. She's grown 4 inches since the start of the last cold season so not much fits. I think we can get by with only buying her two more pairs unless there is a really good sale.