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Viewing the 'Spending Journal' Category

Check Up

June 6th, 2018 at 02:04 pm

I had my six month check up yesterday for blood pressure and cholesterol. Things are still under control with the medication and I've lost 5 pounds since my last doctor's visit about 3 weeks ago for the infection. He'd like to see my HDL a little higher and my triglycerides a little lower. He wants them down about 6 points.

I also got a pneumonia shot. I am having a little bit of a reaction to it on my arm. It doesn't hurt though. The nurse said it might over the next two days. I used to get pneumonia every year and haven't gotten it more than once in the fifteen years since I started getting the pneumonia shot when needed. Unlike the flu shot, it actually works for me.

The co-pay for the visit was $35. I wrote a check out of the medical checking account for that. I am really liking having that, but I have to remember to grab that checkbook before I leave. I forgot the first time and had to go back for it. Fortunately I had lots of time before my appointment as I tend to get there early and I remembered before I got off my block.

We still haven't been able to get DH's debit card for that account working. They did a hard activation on Friday, but it still won't let him choose a pin. We double checked to make sure it wasn't thinking we only needed one pin between us and it wasn't. They don't have a way to resolve it over the phone. They just keep saying see your financial institution even though we already have. DH is going to pop in again today to see if they can give him a pin there instead. I miss the old days when they would send you a pin in the mail. I know it is safer for security to do it this way, but it has to actually work to work.

Grocery Spending Tracking

June 1st, 2018 at 05:49 pm

DS and I did the banking this morning and I funded my envelopes. I put $200 in the Grocery envelope and $50 in the Household envelope. I put $200 into the Medical checking account and took out $35 for DS's allowance. DD is not getting one as she is doing no chores while recovering from surgery.

After that DS and I went shopping. In the Household category I spent $19.54 on dishwasher soap. It was a very good sale. In the Grocery category I spent $159.66. I still need to buy tissues and body wash from the Household and yogurt and soup from the Grocery categories. I may get some butter, too, yet, but that depends on how fast we go through what we have. I am hoping to push the butter off another week.

Groceries I bought at Safeway:

4 Miracle Whip
2 lbs organic tomatoes
4 boxes organic spaghetti
2 boxes organic penne pasta
12 Chef Boyardee Mini-Ravioli
6 organic Nectarines
1 cantaloupe
2 Jif naturals creamy peanut butter
1 Justin's honey peanut butter (for DS)
4 organic ketchup
1 2 lb bag Mexi-Blend shredded cheese
2 potato bread
2 dynamite bread
1 Thousand Island dressing
4 jars Prego pasta sauce
3 1/2 gallons of milk

I spent $117.61 there. Almost everything I bought there was on sale. Only the milk, bread, and Jif peanut butter was full price.

What I bought at Haggen:

3 lbs organic grapes
1 organic cauliflower
5 lbs organic broccoli
1 bunch cilantro
1 yellow summer squash
1 container shredded Parmesan cheese

I spent $42.05 there. The only thing on sale was the grapes. The other items were cheaper at Haggen then at Safeway, though. Now I need to sit down and make up my meal plan.

ER Visit and Surgery Date Set

May 23rd, 2018 at 01:36 pm

I spent all day Monday, from a little before 1 p.m. until midnight at the ER with my daughter. At midnight DH tagged me out and I went home to sleep because I had an early appointment on Tuesday morning, but they were home an hour later. They sent DD home with percocet and we were able to get a relatively quick surgery date of the 29th, so she has a week to wait. The meds should last that long. I will be so glad to see the backside of her gall bladder.

I don't know how much everything is going to cost and I don't know how we will pay for it if it costs more than $6000, but we will figure it out. DH says he will probably start getting overtime in June again, which will be a great help. The current project he is on, the one with no allowance for OT, wraps up at the end of the month.

They have him lined up for several more projects. His boss has said he contractually can't talk about bringing him on as a direct employee until June 4th. I don't know if that means anything or not, though, like is he going to talk to him on June 4th and bring him on, or just a statement of fact.

I do hope they bring him on as permanent because the benefits are outrageously good. Better insurance than we have now (which is really good, but expensive) for $250 a month for the whole family. Plus vision is $14 a month and dental is $100. So $364 total. Which is a far cry from the $1500 we are paying now. A share of company stock, which is worth $16K. 6% matching in the 401K. Paid vacation and sick days. Paid jury duty days off. I believe he also said good deals on disability and life insurance as well. I really hope this happens.

We'd have to pay COBRA for a couple of months, though, I'm sure. And that'll be $1500 a month. Worth it in the long run, though.

So I had to pay $413 today to the surgeon for the upcoming surgery. I don't know how much I will have to pay the hospital yet as a down payment. I am guessing around $1250. At least they can't turn her down for this surgery based on her BMI. Of course that is why it will be in the hospital and not the surgical suite at the doctor's office. I think DD has met her deductible now.

I have a killer head cold. I woke up with it Monday morning and so yeah, I had it the whole time we were in the ER. It was worse on Tuesday. Today I think it is at its height so hopefully tomorrow I will feel a lot better. Unless I caught something in the ER to add on top of it, because you know how my immune system likes to do things like that.

I got an email today saying that an old virus software on a computer we no longer have had been renewed automatically and charged to a credit card number we no longer have. I think it is the same card, just with a different number. I hope that means it didn't go through anywhere.

I am keeping an eye on the card that it used to be the number of just in case and then will dispute it. They worded it like they had already done it, but it hasn't shown up. I thought I had stopped any auto renewals, so maybe they are just trying to pull a fast one. Trying to figure out how to contact them through the info on the email is nearly impossible. We no longer do auto renewals on things so if they are trying this again we have to nip it in the bud, pronto.

Bits and Pieces

May 7th, 2018 at 04:07 pm

I got down to the doctor's office today only for them to tell me I'm a week off. Oh, my gosh, I thought it was the fourteenth. I know this year is going by fast, but how'd I jump forward a week? Total glitch in the matrix moment. So, since I didn't have to save the money in checking for the appointment after all, I went ahead and paid the AMEX card off. That was $155.95. Then since the garbage bill arrived and I still had enough left in checking to pay it, I did. That was $70.69. I have $56.75 left in checking.

That leaves me 3 more paychecks this month out of which will come three tithe checks, a $108 or so MC bill, one co-pay, and one full pay at the doctors, and then the Citi which is what we charge gas and groceries and storage on. If we are really careful, I may have some extra money to put into the EF this month. DH isn't getting any overtime at all right now, so it is much harder, but I just have to stick to my guns and not get take out or eat out this month.

I did have to make some clothing purchases. I bought a new skillet, two pairs of shorts, two tank tops, a six-pack of socks, and then a nice blouse and pair of linen slacks for my nephew's upcoming wedding. All of my dressy clothes are warm and this is an outdoor June wedding.

I also bought a dress for my daughter for the same wedding. She also needs shoes. And I'll need new insoles for my dress shoes or I'll be in horrible pain all day. DS and DH will each need a short-sleeved dress shirt, plus DH needs a few more for work. All of his long-sleeved dress shirts are getting too hot to wear now. I've got money in the clothing budget and will add some, so we should be able to do that between now and June.

I stopped in at Good Will and found a nice casserole dish without the lid, but I have a lid to the same shaped casserole dish that I broke a long time ago, some garden twine, some garden clips for attaching plants to stakes, and some planting bags. I'm going to put my peppers in the planting bags. I am going to be growing zucchini and cucumbers vertically so the twine and clips were a great find. I spent a little over $200 at both stores.

I met my goal of writing 10,000 words last week and have set the same goal for this week. That's four chapters. I am so happy with how this is going. I'm really enjoying my characters, although I have one twelve-year-old little brother who likes to make his role in the book bigger than it probably should be. But what are you going to do? When you get a character that writes itself, I've found its best to just follow where they lead.

I've also set a goal of blogging at least three times a week. This will be my fourth this month, so I think I am on track for that. I'd like to make it daily again, but who knows? There is a lot to do in the garden. Speaking of which, the sun is behind the big tree now, so this is the perfect time to work in the garden, in the shade, so I'm off to do that. I've got a lot of seeds to get in the ground today.

Payday Report for 5/4/18 + Truck + MIL Finances

May 5th, 2018 at 02:51 pm

I am finding a need to more closely track our spending again. We overspent in April by a huge margin, mostly due to me feeling really cruddy for most of the month and not wanting to cook. We had a take out bill to end all take out bills, so now I am determined that 1.) we are going to cook all our meals this month, and 2.) I am not going to let money fritter away and slip through our fingers like that again.

$500.00 for Mom's Utilities
__56.83 DH Life Insurance
__46.30 Me Life Insurance
_122.47 Tithe
__90.82 Internet
_100.00 Emergency Fund
_100.00 Insurance Sinking Fund
-------------
$1016.42

I have two doctor's appointments next week, one with the rheumatologist and one with the eye doctor to check to see whether or not the hydroxychloroquine is turning my retinas yellow or not. I sincerely hope not as it is the one medicine I've been able to use without side effects. It improves my symptoms by about 50%. So I left some money in checking to pay the co-pays.

I am happy to finally be able to put something into the emergency fund again, even if it is only $100. It is necessary for us to rebuild this fund and if I don't waste money on takeaways, than it is available for savings.

I have increased the amount I send to the sinking fund for insurance. We will be taking over insurance on the truck soon. It has been paid off, so we are just waiting for MIL to get the title mailed to her and then we can transfer ownership to our name. I hope we won't be charged taxes so we didn't buy it but inherited it. We will have the death certificate and the will with us for proof we didn't pay, but you know the government, always having to have their hand in your pocket taking money out. But MIL might pay it if there is. I hope so, because we can't afford to. Well, we could, but it will make things super tight in whatever month we have to do it. Things are already tight, though apparently not so tight we didn't waste a bunch of money last month. I will be kicking myself for that for a while.

MIL is really sitting pretty. She got the insurance money and has paid off every credit card bill, the vehicles, and the mortgage. She gets $3000 a month in pension payments, plus her social security. She inherited the 401K and has enough in there to last 25 years at $16,000 withdrawn per year. She's not going to be in any kind of trouble. I am glad, because we all thought it was going to bad for her, but it turns out she's doing better than anyone else. She's set, barring a medical emergency. That can eat up money fast, but aside from her obesity, she's in very good health.

Income Tax Came and Loan Payment Made

April 16th, 2018 at 11:01 pm

Our income tax refund came so no more worries on that front. It actually came on the 11th, but since we didn't get the email or the text they were supposed to send to alert us, I only realized it today when checking the bank account and seeing the hefty balance. It only took 12 days from the day we filed online.

Most of the money will go into the Emergency Fund, but some will go to cover the lost income from jury duty DH has next week, at least if he actually gets called in.

I did make a $2000 loan payment to my mother.

$29,750.00 Starting Balance
-_2,000.00 Payment Made
--------------
$27,750.00 New Balance

It is so good to see those numbers go down.

Simple, Yet Delicious

April 6th, 2018 at 11:17 pm

I made another great meal tonight. My new focus on not eating out (i.e. hemorrhaging money through the drive thru window) is paying off, but I don't think it would be going so well without the electric pressure cooker. I did my potatoes in there, tonight. All I did was quarter some baby reds, toss them with a little olive oil, salt, pepper, and parsley, put a cup of water in the pressure cooker, put in the steamer basket, and pressure cook them for 10 minutes. They were delicious and yet so easy and tasty. I've found out I can make mashed potatoes in there, too, which will be quite a boon.

Then I made up some Morrocan spice rub and rubbed down some chicken legs with it and cooked them in the Nuwave oven. Chicken legs only take 30 minutes in the Nuwave. The chicken was pretty good, but I think it needed salt in addition to the rub. Next time I will do that since I have quite a bit of the rub left. There was enough chicken left over that I can make some chicken soup tomorrow.

I did spend some money today as I was in need of ground cloves, coriander, and cinnamon. Cloves are expensive, but fortunately a little goes a long way so it lasts much longer than my other spices. So $35 on spices.

I'm going to have to spring for a package of goat butter pretty soon. That's $11 for 8 ounces, but it lasts me a long time. I don't use it too often, I just like it on the rare occasions I actually make toast, which is only once or twice a month, usually. I am the only one who eats it. Well, I will make sure I do a complete check through of the freezers first, just in case I have one squirreled away in there, but I'm pretty sure I don't. I usually only buy one at a time. It's not a stock up item.

DH built me some new pantry storage shelves, so I am in the process of filling them and rearranging some of my other food supplies. Right now I have long-term storage mixed in with the working pantry, which is a pain in the neck. This should get that straightened out.

I need to work on the garden this weekend as well. It is time to get lettuce, spinach, green onions, kale, chard, and radishes going. There is some volunteer spinach coming up, but I need to transplant it, because it is not where I want it. I hope it stops raining long enough for me to do that. It cleared up this afternoon so I am hoping the weather holds and I am feeling up to it.