I spent just under $60 on take away today. We will get several meals from it. I just know this weekend is going to be a little stressful and I may or may not be up to cooking too much. We have 2 litters due and the temps have dropped to freezing which means an awful lot of checking on the rabbits will be done on Saturday and Sunday to make sure no kits are born on the wire, but are born safely in a nest or at least promptly put into one if they are not. I have been lucky so far in that all of the kindlings so far have resulted in only one kit born on the wire (on Phoebe's first kindling) and I was there within five minutes of it happening so we were able to save it.

I'm not too worried about Lola, but this is Serenity's first litter, so I pretty much will be doing hourly checks for the next two days. Which means a lot of walking and since my physical therapist had a migraine today and I cancelled last week due to illness, I am not in the best shape for that right now. I've had to use the cane twice this week. But it needs to be done and I'm sure the kids will take their turns at it and alert me if I need to go out and take action.

Anyway, today was payday so here is the list of money that went out:

$225.00 Monthly Chiropractic Family Plan
_100.00 Emergency Fund
_100.00 College Fund
_100.00 Property Tax Fund
_100.00 Propane Fund
_100.00 Moving Fund
_100.00 Christmas Fund
_100.00 Appliance Fund
__19.00 HoA Dues Fund
_200.00 Laptop Fund
__72.56 Internet
__47.52 Phone Old House
__41.94 Garbage
_500.00 BoA VISA
_757.82 Van Loan (plus extra)
------------
$2463.84 Total Money Out

So my mom's handyman's wife does alterations and I got her to replace the zipper on my jacket. It cost $20. I thought it was a great deal, because it included the zipper, which was 27 inches long. And it's a better zipper than the original. My five-year-old jacket now has many more years of life left in it. I just need to be careful when I am holding the young rabbits. They are what chewed through the zipper in the first place. And then the tab fell off.

I could have gone through the rigamarole of shipping it back to Land's End and making them replace the jacket, but I kind of felt like a rabbit chewing through the zipper wasn't a failure on their part. Plus they would have just pulled the, "Well, it's not exactly the same as the newly designed squall jackets, so it doesn't count as something we will replace for free." I figured it would be more likely I'd be out the shipping for sending it back and then have to pay for them to send it back to me when they denied it, so was a better deal just to have it fixed.

She did a great job. I can't even tell it is an aftermarket change. $20 is a good deal for me, especially since that jacket now costs $139. It was like $75 or something when I first got it. There might have been a coupon involved.

I also sewed up a hole in my sweatpants seam.

My daughter needed a new bag for school. Her backpack basically fell apart on Friday. So we found one on clearance for $15, originally $30 at Kmart. They also had canning jars for $10, so I picked up a case of quart jars. I wanted to buy a couple of pairs of sweat pants, but they didn't have any women's. They had men's, teen's, boy's, and girl's, but all they had in women's was light weight knit pants. Yeah, cause that is what I want to wear on these 40 degree F mornings.

After that we walked over to the Good Will next door and purchased some of those bowls with handles that I think were originally used for those really big fancy coffees, but we use them as soup bowls or for really big cups of tea.

I looked at both places for a 12 quart stockpot because I would like a second one, but Good Will did not have more than an 8 quart stockpot and the only one they had at Kmart was an ugly, light blue, mottled ceramic one by Paula Deen. Right size, but not in my kitchen. I prefer stainless steel anyway. I may have to put it on my Christmas list for the in-laws.

I can muddle through with one for a while longer, it would just be nice to have two pots of stock going at once so I can pressure can the results all at once instead of in batches. I mean the big canner can do 14 quarts of stock at once, so I'd like to take advantage of that and save the time. Actually, come to think of it, I could do my second batch of stock in the smaller canner. It's got the capacity to cook 12 quarts of stock, even if it can only can 9.

I think I will have to order my sweats from a catalogue. And maybe some warmer PJ's while I'm at it. Do they make king size flannel sheets? I can never find them.

We went down to the ranch today to buy our meat for the next six weeks, plus 5 beef chuck roasts and 6 pounds of hamburger extra to can this week. We paid $380. The usual amount for six weeks or so worth of meat is $300. We took $400 down to allow for the extra. $400 is half our grocery budget for the month. I will use the leftover $20 to buy some chicken legs from Trader Joe's.

We also spent $35 on Arby's because we had some coupons and we were pooped after cleaning out the rabbit shed and scrubbing cages today. No one wanted to cook. Wow, that is getting up there in price. I remember when a family of four could eat there for $20. It's not been that long ago, either.

Our house had its first showing today. I doubt anything will come of it, but you never know. It would be lovely if it did, but I know how long it can sometimes take for homes to sell and I'm not counting my chickens before they are hatched. I refuse to get my hopes up.

Tomorrow is slaughter day for six of the rabbits. I never look forward to that day, but I do look forward to having another 17 pounds or so of meat in the canning jars or the freezer this week.

Nephew-in-law also dropped off some fish that he caught today. He likes to fish, but doesn't like to eat the fish. That's a win-win situation for this household.

I am still fighting this flu bug. I have more energy than I did, but will be glad when I am all the way back to normal. If I get to be before the next cold hits.

Today is payday and here is an accounting of what was paid or put into savings.

$1500.00 Bank of America VISA
__100.00 Emergency Fund
___19.00 HoA Dues (Old House)
__100.00 College Fund
__100.00 Christmas Fund
__100.00 Moving Fund
__100.00 Appliance Fund
___40.00 Allowances
__100.00 Canning Jars* and Rabbit Supplies**
__100.00 Cash for the Week
___25.00 Garbage
-----------
$2284.00 Total Money Out

*2 cases of quart jars and 1 case of pint jars
**Water bottles, a hay tunnel, and a bottle of Vetrimycin eye wash ($27, ouch)

I also spent $50 on gas yesterday. I will be buying a 25 pounds of organic carrots to can and a whole salmon to can.

Left to pay for the month of October is the water/sewer bill, half of which has been set aside already, and the property tax for the half year, all of which has been set aside except $25 and the propane bill, which is $80. Those will be paid next Friday. I will also pay the mortgage then instead of waiting until the first and will also put $500 into the January Money Fund. All the rest of next payday's money is allocated for November bills.

Today was payday. I am mostly paying ahead on October bills, since we had so many paydays in September and because of the way the October paydays will fall. I had also set aside most of the money to pay the big doctor bill you'll see listed below. I am not actually making the car payment yet as the statement hasn't arrived, but I did set the money aside for it for our usual payment.

For some reason today while I was paying the bills and recording things into the budget I had the song "Pop Goes the Weasel," going through my head. Particularly the line that goes, "That's the way the money goes, pop goes the weasel." Which admittedly is better than the song that has been in my head all week. Which is this one: http://www.youtube.com/watch?v=1SJvKDAF8Xk, but I'm warning you that you probably should not watch it because it is weird and kind of addictive and it will run through your head over and over again and that way madness lies. Then again, why should I be the only one with it stuck in my head?

Anyway, here is the list of what went out today:

$1000.00 Loan Payback to Mom
__400.00 Utilities to Mom
___90.00 Physical Therapy
__300.00 Beef/Pork/Chicken from the ranch Money
__100.00 Cash for Week
___40.00 Allowances
___45.30 Life Insurance DH
___41.88 Life Insurance Me
___69.86 Car Insurance
___47.17 Old House Insurance
___41.16 Old House Security System
__168.00 Storage
__923.54 Medical
__322.75 AMEX
___72.00 Water/sewer Old House (Holding Tank)
___35.20 Emergency Fund
__800.00 Car Payment Money (Holding Tank)
------------
$4496.86 Total Money Out (or set aside)

I still have $250 out of this paycheck in checking. I am waiting for the power bill for the old house to come, but that will only be around $30 to $35. I will have to get a few prescriptions renewed tomorrow. I also need to do a little bit of grocery shopping, mostly for produce. Other than that and a field trip fee on Monday for DS's homeschool program, I don't see any other money going out.

I feel like I've been such a major drama llama lately, but finally something really great happened. The rain stopped early this a.m. so the roofer was able to go out and look at the roof at the old house. And it turns out that it was a very small thing with the flashing that likely got knocked loose when the roof was pressure washed, so instead of just an estimate he said he could do the fix right then. It would take like a half an hour. Total cost to repair roof? $151!

So now the little bit of damage that was done to the inside ceiling can be repaired and we should be able to put the house on the market next weekend! Please cross your fingers for us (or pray) that nothing else goes wrong. This whole house ordeal may finally be over.

After making a larger than usual mortgage payment today, we are now under $9K! Estimated balance is $8937.89. It will likely be $1 or $2 less than that when it actually posts. I used last month's interest to calculate it and I paid it 3 days earlier this month so it will definitely be a bit less. Wasn't due until the 1st. I forgot to reorder checks while I was there making the payment, darn it. Got to remember to do that Monday.

I added $4.85 to the coin jar today.

Today is payday. Not a lot of bills went out today, but large amounts of money did.

$1500.00 BoA VISA
_1075.86 Mortgage payment
__100.00 Cash for the Week
___40.00 Allowances
__202.00 Medical
__100.00 Emergency Fund
-------------
$3017.86 Total Money Out

I am also setting aside $600 of this paycheck to go towards a medical bill that I won't be able to pay in full until next Friday. It is $923.54 and is the result of my medical insurance (worst) company (in the US) Premera "we suck eggs" Blue Cross trying to get out of paying for, oh, just about anything EVER. Not that I'm ticked off or anything.

And we haven't even got the hospital bill for DD's emergency middle of the night visit at the start of the month yet. I don't even want to think about what that will be. I never thought I'd see the day where I'd actually miss Aetna. Mind you, I only miss them a little bit, but still.

I balanced the checkbook today. I've been letting it go since I knew there was plenty of money in the account and I felt to cruddy to do math even with the help of a calculator. Still feeling cruddy, but I figured since tomorrow is payday I should get it taken care of. Balanced it to the penny, so go me.

I also sent $1000 off to the BoA Visa. I will be paying an additional $1500 on Friday. We went a little overboard on the spending with the Visa again, mostly on things to get the rabbitry off the ground, and airfare went up in the spring. Nothing that we can't take care of in a short amount of time, but I'm not too thrilled that we backslid. I know it happens. But now that I have gotten the EF to a level I am far more comfortable at, the focus will be again on that card for a few months. Can't let the evil empire get the upper hand again. Not to say I won't still set EF goals, as I will.

There should be about $500 a month more now that DH has hit the limit on the SSI tax being taken out. He won't make enough for them to start taking it out again this year, so we will have that money back until the end of the year.

Today was also the day of the auto deposit of $10 to savings so that went to the Emergency Fund.

$7115.32 Old EF Amount
+__10.00 Amount of Deposit
------------
$7125.32 New EF Amount

$174.68 to go to hit my September goal of $7300.

Today was payday. Everything has been paid. Nothing is due until the 21st and after that nothing will be do until the 1st. DH ended up doing all his overtime work in five days time, so it won't be a full week of overtime, but five days is still pretty nice. I'll be able to put $1000 to the EF next week, but will have to rethink the other things I was thinking of distributing the extra money to.

We've gotten a lot of food this week. Not take out, but prepared food from the store deli. I've been out of it with my constant headache and mild nausea. Getting hit in the head with that pitchfork handle on Monday morning did me no favors. I have had no inclination to cook and with DH doing the overtime work at home, neither did he.

I'll try to get my act together this weekend. DH leaves on Monday and I can't keep letting the money fritter away when I could be cooking.

Anyway, the distribution of things today comes from a combination of this payday and last and is as follows:

$757.82 Van loan (plus extra)
__90.00 Physical Therapy
__58.00 School photos
_168.00 Storage
1000.00 Loan to Mom
_400.00 Utilities to Mom
__41.88 Life Insurance Me
__45.30 Life Insurance DH
__47.17 House Insurance (Old House)
__66.65 Car Insurance
__27.28 Electric (Old House)
__72.56 Internet
__50.22 Phone (Old House)
__55.25 Garbage
__19.00 Dues (Old House)
_225.00 Chiropractic Monthly Family Plan
_227.66 Laptop Payoff (from Laptop Fund)
_100.00 Property Tax Fund
_100.00 Vacation Fund
_100.00 Appliance Fund
_100.00 College Fund
__41.16 Security System (Old House)
-------------
$3792.95 Paid Out

We also bought gas and groceries and spent around $500. We are all stocked up on staples and aside from some vegetables and lids for canning and some milk I shouldn't need to go to the store or a farm again for a week.

...just how much money I can save when I go shopping at Trader Joe's. I walked out of there with 4 bags of groceries (large canvas totes), 2 bags of chips, and a gallon of milk for less than $95. The same stuff at the regular grocery store would have cost me twice that.

It's been a long time since I have gone there simply because the parking situation is atrocious. But at 7:30 tonight it crossed my mind that the parking lot should have some spaces at that time and I really wanted to get some canned corn. They have the best tasting canned corn, hands down. It tastes fresh and sweet and it is canned in BPA free cans. I got 20 cans. I would have gotten more, but I wanted to leave some on the shelf for others. Corn is one of the things that is very labor intensive to home can so I don't bother.

I was excited to see they now have both a Funyun and a Dorito replacement. We can't eat the originals because of allergies to about 5 ingredients in each. The onion ones were better than the originals and the nacho cheese ones were the closest thing I've found. DS was a happy camper.

Shredded cabbage had gone up in price. It used to be a $1.29 for a 16 oz bag and now it is a 10 oz bag for the same price. I know I should always shred my own cabbage, then it is .39 a pound, but I do get tempted by these bags because it makes it so fast and easy to make coleslaw. I mean, it takes all of 5 minutes to shred up a cabbage. LOL I try not to be that lazy often. But the big box of not Cheerio's is still $1.99 a pound so you win some, you lose some.

I picked up a pound of frozen bell pepper strips (yellow, red, orange, and green) for $1.69. Single bell peppers are running $2 right now. So I will have my strips for pizzas and can dice them smaller for omelets. It should last a few months.

I feel like I have been spending money right and left this week, but our stock of so much had been used up. My cupboards were not bare, but they were getting there. I still have to do a Costco run, ugh. Just a few things from there that I can't get good prices on elsewhere, like butter, the right kind of tomato sauce, and the type of toilet paper that my son is not allergic to.

We also need to buy rabbit feed. I am thinking about getting 250 pounds this time. That is five bags and will cost $93.50 with tax. I wish tax wasn't on animal feed. We don't have tax on people food in this state, and since it is food, you'd think they'd give it a pass, but no. We have 3.5 litters growing out at present and those guys eat. Feed costs are worth it in the amount of meat we get out of it, but I am tired of going to the store so often for it, so hopefully this will be enough for a month.

On the 19th Sweetie Belle and Serenity will be old enough to be bred and then we'll have five does in various stages of pregnancy or raising litters. Wonder how much feed they will go through then? We are at the point where we are eating rabbit almost once a week now, but there is no surplus to build up our freezer stock with (or to be canned). Since I don't want to have litters born during the coldest months of January and February, I will do my last breeding in early November and not breed again until mid-February. So I want to have enough meat put up to get through those months of no production.

Although Andromeda will be old enough to be bred in December I will not breed her until mid-February. A first time mother does not need to have her first litter in the freezing cold. I have been fortunate with both Phoebe and Lola on their first litters. First time rabbit mothers can often lose their entire first litter. I'd like to keep that track record up.

I took DD shopping for back to school clothes. Fortunately she had a lot of t-shirts she got as presents for her birthday last month, including one that will work for PE, so we didn't even have to look at those. I hate shopping for clothes. I'd sooner go to the dentist and you all know how much I hate going to the dentist. But except for a pair of dress flats we are done. She will have to purchase her own accessories, scarves, and hats this year (I am not talking about scarves and hats for winter, but the fun kind).

The damage was $322.75. For that we purchased:

2 pairs of men's boxers (she wears under her skirts)
2 sports bras for PE
2 pairs of trousers
2 pairs of sweats (1 for PE)
8 pairs of underwear
1 sweater (light weight, fall type, 3/4 sleeves)
2 pairs of boot cut jeans
2 sweatshirts
1 denim vest
2 skirts
1 pair of tennis shoes for PE
12 pairs of socks (2 pairs for PE)
3 long-sleeved button down shirts

She has several dressy blouses from last year and the year before that are still in nice shape, 3 skirts, 1 dress, 2 pairs of boots (one faux leather, one faux suede), and 2 pairs of pants.

I am glad DS doesn't need to go shopping for new clothes. He doesn't care much since we are homeschooling anyway. He will be happy in his silky basketball shorts, t-shirts and polo shirts until late November and then we will get him some sweats and jeans and socks. He won't wear them before it gets cold. Currently his tennis shoes from last spring still fit, but who knows for how much longer as he has grown so fast.

I've been paying things in dribs and drabs this week, but thought I should do a full accounting.

$700.00 Mortgage
__90.00 Physical Therapy
_100.00 Emergency Fund
_100.00 Moving Fund
_100.00 Laptop Fund
_100.00 Christmas Fund
_144.00 Water/sewer Old House
__49.91 Propane
__28.52 Medical
_175.00 Medical
_853.09 AMEX
__40.00 Allowances
_200.00 Cash (groceries, OTC meds)
---------
2680.52 Total Out

I added $100 to the Emergency Fund so it is now at $6044.92, so I have met my goal of $6000 in the EF by the end of August.

New Fund Totals:

$565.61 January Money Fund
$505.21 Appliance Fund
1800.00 Laptop Fund
$600.00 College Fund
$500.00 Hawaii 2018 Fund
$400.00 Property Tax Fund
$500.00 Christmas Fund
$100.00 Moving Fund
$000.00 Propane Fund

I had the money set aside for half the water/sewer bill and the propane bill, but I paid them directly out of this paycheck. Then I transferred what I had set aside to the January Money Fund. That was $121.91.

And I think that covers it.

Tonight I added $10.34 to the coin jar. $9 of that was in ones.

I also went to the grocery store and bought Gatorade, pudding, cold medicine, soup, ice cream and Jello gelatin for my daughter, who has managed to catch a late summer cold that makes her throat violently sore, probably at the slumber party she went to on the weekend. I spent $71.35 on that. Crazy how expensive cold medicine has gotten this year. At least the pudding and Jello were on sale.

It is official. After today's payment, the mortgage is now under $10K. Boo yah!

Today was payday, but other than making a mortgage payment and going grocery shopping, I have not done anything about it. This is because I am still procrastinating rebuilding my spreadsheet. Well, I did make some progress. I loaded Office. Now I just need to build the spreadsheet, which I will do tomorrow since I have nothing else on the agenda, except maybe making more pickles.

I made and canned 6 pints of pickles yesterday:



I put my coin jar money into the Emergency Fund today.

$5912.45 Beginning EF Balance
+__32.50 Amount Added
-----------
$5944.95 New EF Balance

I went to the food co-op after the credit union because of locations, so the dividend check from the food co-op of $7.43 was not cashed until I'd already deposited the coin jar money. So that $7.43 is now in the coin jar for my next deposit. I also added $4.40 in change and ones to the coin jar left from my purchases today. I did have a bit left in checking so that will be transferred to the EF when I make the monthly $100 deposit as well. I will hit my $6000 goal without problems.

DH will be bringing work home with him next week. He'll have a week's worth of work to do during his two weeks off, so we'll get an extra paycheck (or two halves of one) next month, on top of the extra one we're getting because of the number of Fridays this month. Some of it will go to the January Money Fund, some to the Laptop Fund, and some to the Emergency Fund.

I paid the majority of the bills for the month from this paycheck and sent money to all of the funds. I need to create two new funds though. One for the transfer fee when we sell our house (in case we are the ones who have to pay it and not the new buyers) and one for the Thanksgiving turkey. Don't laugh. Organic pastured turkeys are expensive.

We went down to the ranch today and bought meat. We ended up with 4 beef chuck roasts, 1 pork shoulder roast, 8 pork chops, 1 bottle of their seasoning (which they threw in for free) and 18 pounds of hamburger for $300. They had some stewing hens for $7 each and I was really tempted, because old hens make the best broth, but I decided I'd rather spend that money on hamburger. And I knew I'd be making rabbit stock on Monday anyway.

We also went to a family reunion for a few hours before going to the ranch. It was okay. It's DH's mother's side of the family. Not too many people showed up this year. I got to see how big some of the babies have gotten and one of the cousins is pregnant. I was kind of bored because the people I usually talk to weren't there.

We swung by the house since it was sort of on the way back home. It's rather gorgeous inside, but...but, but, but, the stuff that was supposed to get done today did not get done. The new gutters are not up, the shed and play structure still have not been painted and the touch ups on the porch and on two of the outside walls where other paint colors show up haven't been done. I don't even think any of them worked today. *sighs* I will be so glad when this is really over. It was supposed to be done today. Not even close.

Anyway, here's the money out for this payday:

$1000.00 to BoA (will pay more next week)
__300.00 to Mom for August utilities
___24.05 Electric (Old House)
___44.87 Phone (Old House)
___72.56 Internet
___19.00 Garbage (Holding Tank)
__100.00 Hawaii 2018 Fund
___19.00 HoA Dues (Old House, Holding Tank)
__100.00 Property Tax Fund (Holding Tank)
__225.00 Monthly Family Chiropractic Care
__100.00 Propane Fund (Old House, Holding Tank)
__100.00 College Fund
__100.00 Appliance Fund
__100.00 Christmas Fund
__100.00 Laptop Fund
__300.00 Beef Fund
__100.00 Cash for week
___40.00 Allowances
__757.82 Car payment (plus extra)
------------
$3602.30 Total Money Out

I feel like we are really staying on top of things right now. I will still need to buy some produce, but we shouldn't need to buy meat for 6 to 8 weeks. I don't envision any other spending this next week.

Today was payday. I transferred $100 to the EF and I had $36.50 in my coin jar ready to deposit so did that as well. This brings my EF to $5618.14. My goal for July was to get the EF to $5500, so I exceeded that quite nicely. My goal for August is $5800. I also added $5.54 to the coin jar this evening.

It looks like DH's next shift will be a 3 weeks on/1 week off, so we will definitely get one extra paycheck. DH says there is enough work that he will probably do two 3 and 1's. If that is so, we should be able to pay off the mortgage by the end of September without touching the Emergency Fund. I had forgot about the extra paycheck, of which we can send $3000 to the mortgage.

I made a mortgage payment today leaving us with a new total of $10616.89. Minus $3000 in principal will leave us at $7616.89. There will be the August payment of $700 minus the 52.50 interest, which will put us at 6969.39. Two extra paychecks in August and September will give us $7200. So if that all works out it's gone. I hope it does. I will be so happy if it does. I just want to own it free and clear, so that if it takes a while to sell, at least we are not making payments meanwhile.

Then that will leave just the van loan to start throwing money at. Without the mortgage payment and the extra principal we've been paying each month, we should be able to throw $1500 at the van loan each month.

Okay, on to the accounting of the paycheck:

$1000.00 to Mom Loan
__700.00 to mortgage
___90.00 Physical Therapy
___45.67 House Insurance
___41.16 Security Monitoring (Old House)
__168.00 Storage
___32.70 Life Insurance Me
___39.53 Life Insurance DH
___66.62 Car Insurance
__100.00 Emergency Fund
__100.00 Laptop Fund
__100.00 Freezer Fund
___80.00 Kids
__100.00 Cash for Week
----------
$2663.68

I also spent $200 on groceries and $100 to build up my over the counter medicine stock. I needed to buy Zyrtec, nasal spray, cold medicine, sleeping medicine, and heartburn meds. I also bought two bottles of hair dye.

DD dyed my hair tonight. It takes two bottles because from root to ends it measures two feet long and it is so thick it is ridiculous. So no more gray at all. It's a darker auburn than my own hair which is sort of a brownish, goldish, red with grey streaks at my temples that when I was much younger were naturally ash blonde streaks. I used to say I had chameleon hair because it has so many colors in it.

We used a natural hair dye that my food co-op sells. I haven't colored my hair in a couple of years so it kind of surprised me what a difference it makes. It took forever to rinse out, though. I think I may cut my bangs again. They are already in my eyes. I have gotten quite good at bang trims. I have been debating going in to have it done, but honestly, if it is just a bang trim it seems silly to waste $10.

Today is the small payday, but only a little comes out of it since all bills are paid for the month.

$100.00 College Fund
$100.00 Extra to the Emergency Fund
$100.00 Extra to the Laptop Fund
$140.00 Allowances and Cash for Week
----------
$440.00

That leaves me with $488.10 to get through the next two weeks. This should not be a problem as there are no bills due until the autopays the first week of August and we get an extra paycheck on the 26th . DH and I cleaned out one of the freezers last night and found plenty of good meat to base meals around for the next two weeks. We should only need to buy vegetables. There is plenty of fruit that needs to be picked in the garden so I shouldn't have to buy fruit at all.

Besides the $100 extra added to the Emergency Fund, there was also $38, $10, and 28.99 added from various sources this week.

$5257.65 Beginning EF Balance
__100.00 From paycheck
___10.00 Auto Transfer money from yesterday
___38.00 HT Money
+__28.99 Money left in checking from last payday
------------
$5434.64 Ending EF Balance

I have $65.36 left to come up with to hit my July goal of $5500. There are two more auto transfers this month, so that brings it down to $45.36. I have $16 in ones saved in my coin jar, so that brings it down to $29.36 to come up with still by the end of the month. That shouldn't be a problem.

The College Fund now sits at $500 and the replacement Laptop Fund also now sits at $500. DH is still babying his laptop along trying to make it last as long as possible so we can completely save up for a new one first.

The College Fund will get a large infusion when the Christmas Bonus comes and again when we get our tax refund next year, because we have a lot of HSA spending we can deduct. I don't know if we'll max out the HSA this year like we have the past two years, but it is possible. It will come close. Meanwhile I will save $100 every 4 weeks. It will cost about $10,000 a year including books and fees at the local state university or $7000 a year at the local community college.

The Christmas Bonus is supposed to be quite large this year due to the number of Capital projects done. Not really sure what quite large means, but it should be closer to what he got the first year and not what he got the second year. I am not counting on anything at all, though. I know that if necessary we can do it just on the tax refund and what we are saving alone. The bonus will just be gravy.

Friday was payday and here is an accounting of the bills that went out and the funds that got funded. Oh, but first, we splurged and got burgers, milkshakes, fries, (the kids and DH) and fish and chips (me) from Boomers, an old-fashioned drive-up restaurant with carhops and everything. We won't be eating out again this week, though. it cost $40.98. They have really good fish and chips. Well, the cod is really good. The halibut is only good. Best burgers though, anywhere, ever.

Okay, so the money out:

$1700.00 BoA VISA (mostly work travel expenses)
___36.26 Electric Old House
___44.87 Phone Old House
___70.56 Internet
___19.00 Garbage (Holding Tank)
___19.00 HoA Dues (Holding Tank)
___72.00 Water/sewer Old House (Holding Tank)
__757.82 Van Loan (plus extra)
__100.00 Property Tax (Holding Tank)
__100.00 Hawaii 2018
__100.00 Propane Old House
__100.00 College Fund
__100.00 Christmas Fund
__100.00 Laptop Fund
___40.00 Allowances (plus bonuses)
__100.00 Cash for week
------------
$3459.51 Total Money Out

It took longer than usual for the mortgage to hit this time because I mailed it. Only a couple of days, though. I had too much going on at the time to swing by there and wanted to make sure it arrived on time. So the new mortgage total is $11,264.80. $10K is getting closer and closer. Only $54.59 went to interest. I can't wait until it drops below $50 a month.

I sent for and received another Swagbucks cashout of a $5 Amazon gift card. I now have $150 in Amazon gift cards earmarked for Christmas. I also have $200 cash saved for Christmas, so a total of $350 so far. Not too shabby.

We built more rabbit tractors and now have enough for every rabbit to be outside on nice days unless they are more than three weeks pregnant or nursing young kits, in which case they will not leave the rabbit shed, until the kits are 4 weeks old.

Phoebe's litter is still doing great. They are five days old, fur is coming in, and they are nursing well. We can't tell which bunny was born on the wire, they all look healthy and strong.

We spent $169 on fireworks. This is the last year that it is legal to let them off within the city limits, although we did sign a petition to reverse the city council's arbitrary decision that they made with no input from the people of the city. We probably didn't need to spend any of it, considering what our neighbors let off, including multiple aerial fireworks that were already illegal as of this year in the city limits. After watching what they set off we moved to the end of the driveway and watched the fireworks over the bay from the city. Then we let off our fountains and went to bed. This is the first year I didn't hear fireworks after midnight.

We hope to have a house outside the city limits next year. The county is far less intrusive into your life than the city. But who knows if that will ever happen, since they are still not done fixing up our house. Middle of June, my eye. At this rate it won't be done until summer of next year. I just hope they get the new gutters on before the rainy season starts this fall.

Today is payday. I will do a payday post later when I have everything figured out.

One of my rabbits, Phoebe, kindled yesterday. It was an accidental mating that we thought we had interrupted in time, because she was a little young. But just to be on the safe side I gave her a nesting box a few days ago. A good thing I did, too, because she had nine kits. One was born on the wire, but I must have come in within minutes so we were able to rescue it and get it safely tucked in with its siblings. Despite being not quite 6 months old (she will be on the 2nd) she has done very well for her first litter.

That is going to be about 30 pounds of pasture raised meat for us when they grow out, since we have them in the rabbit tractors on any day it isn't raining. They'll eat about $30 worth of feed in those 14 weeks as well as all the fresh grass, herbs, and berry leaves I can harvest from around the lot and a few veggies like chard that are growing in the garden. That is going to work out to be $1 a pound. This is starting to pay for itself now.

We also bred Piper today. Her seven kits will be weaned starting next Sunday and will be out of her cage by the time she is two weeks pregnant. Her current kits will be ready to harvest in 7 weeks.

Our new cages came and we will start assembling those on Wednesday when DH gets home. We spent $305 for three cages, a stacking frame, 3 feeders, and a couple more nest boxes plus shipping. We will likely spend $200 more to make 4 more rabbit tractors. Then hopefully we won't have to spend any more on housing this year.

It was very hot yesterday, it got up to 90 degrees F. I had to spend a lot of time checking on the rabbits as they don't do over 80 very well. I've got two circulating fans in the shed, and they have frozen water bottles that go into their cages and they lay against them to help cool off. Rabbits only lose heat through their ears, so they need help in keeping cool when the weather is like this. It's supposed to be like this all week so I won't be going anywhere for very long. I do hope to get some swimming in though.

Yesterday was payday. I had a couple of things left on the June Budget spreadsheet, and then set up and started recording things for the July Budget spreadsheet. I figured out which bills would be coming out of which paycheck. As long as nothing comes up we should be able to handle everything and have some money left over for savings. Of course that is the small check that stretches over two weeks, so I won't know how much I will have to save until the July 26th paycheck. I am hoping for at least $200.

Anyway, the bills I paid out were:

$1000.00 to Mom (July)
__300.00 to Mom for July utilities
__100.00 to EF
__140.00 Cash for week (includes allowances)
___90.00 Physical Therapy
___39.53 Life Insurance DH
___32.70 Life Insurance Me
___66.62 Car Insurance
___45.67 Old House Insurance
___41.16 Old House Security System
__168.00 Storage
__700.00 Mortgage (plus extra)
__270.49 to AMEX (in full)
__100.00 to Appliance Fun
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$3094.17 Total Paid Out

Our regular mortgage payment is less than $400, so we added a little over $300 extra to the mortgage principle for the July payment. The August payment should put us well under $11K. I am hoping to have it under $10K by September, but I'm not sure if we will. We'll have to see.

I had a bit of a kerfuffle with my mother yesterday. Not an argument per se, just her trying to force her will on stuff. She wants to be the one who sets the selling price on our house and she wants to be there to read the paperwork when it sells, etc. I told her no and she didn't react well. She thinks we should try to sell the house by owner instead of through a realtor and I said no again. FSBO's take forever to sell.

She was there for all of that stuff when we bought this house, but we were young, DH was in Alaska when the house sold so I had to have temporary power of attorney for him on that sale, it was our first house, and we needed her experience. But now we've been through it and we are older and we know what we are doing. She's very opinionated and wants her nose in every aspect of our business. I have asked her in to certain areas (like medical), but she isn't always so good about waiting to be asked. And I don't want her nose in our financials.

I think she's got it in her head that we are rich. I'm not sure where she gets that from. Yes, DH makes a very good income, but that's only in the last five years or so. And we have spent most of the last five years aggressively paying down the medical debt we incurred when I was so ill and having multiple surgeries so it's not like we felt that money. I never let her know the extent of it, just the amount she loaned us and we are paying her back.

It has only been this year that we have been able to pull ahead and start saving money or take a real vacation again. We might be rich some day, it's possible, but that's only if the economy doesn't tank over the next twenty years and we start getting serious interest on savings accounts again. But we have college to try to pay for with two kids and retirement to save for and we are behind from getting out of debt. Not to mention we'll be buying a new house when this one sells.

She has no idea of our income because we won't tell her. Mom lives on her social security, the $1000 a month we pay her, and we give her money to pay for all of the electric, gas, water/sewer bills, and pay the garbage directly. I know she's saving at least $1000 a month from it and living on the rest. Her only expenses are gas, property tax with a senior exemption to lower it, vehicle taxes, prescriptions, and food. The house has been paid for for a long time and is worth at least $300,000 and that's estimating on the low side, so she can sell it in the future and get a smaller house and live off the rest of it if needed.

She's so worried about the future that she won't spend today. We'll be paying her back until she's 80 unless we up the payments, which she doesn't want, and of course, we've told her numerous times that we will make sure she is taken care of if she lives longer than that.

I don't know, but I'm not going to let her force her insecurities on us, by trying to control what we do with selling the house. I am grateful for everything my mother has done for us, don't get me wrong. And I love her very much. After DH, she is my probably my best friend. We get along very well most of the time. Just once in a while she gets very pushy. I've learned through experience that this is the time where I have to push back.

So out of this paycheck I spent:

$225.00 on monthly family chiropractor plan
$650.00 to BoA VISA
$442.00 on groceries
$144.00 on water/sewer old house
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1463.00 total spent

Not all of this was from this paycheck actually. I had $400 left from the last one.

I also put $70 into the Emergency Fund bringing me to officially over $5000 at $5061.62. So I've hit my June savings goal. I wonder if I can get it to $5100 by the end of the month? Quite possibly if I don't buy anymore groceries.

Found a penny and put it in the coin jar. Nothing else to report.

Today is the day of the auto transfer to savings, so the new amount in the Emergency Fund is $4991.62.

I added $2.40 to the coin jar.

I cashed out for yet another $5 Amazon gift card from Swagbucks. I've hit the daily goal three times this week.

I did a jobs and the economy survey for ACOP.

I haven't had any no spend days this week, but the amounts I have spent have been trivial.

I've been watching a lot of Netflix while I've been cleaning. Finished Heroes, which I've been working on for a year. Started Alias which I have never watched.

I still haven't put together my payday post from last Friday so I'm just going to do a brief run down here. I've rounded because I don't want to open my spread sheets.

$2000.00 went to BoA Visa and vacation is paid off.
$1000.00 went to the EF
__187.00 went to medical
__160.00 went to groceries
___30.00 went to allowances
___69.00 went to prescriptions
------------
$3446.00 Total out

I'm beat. Who knew raising rabbits was going to be so much work? But it is so worth it. Today that work paid off in spades. We were able to put some of the rabbits out in the new rabbit tractors we built. Every day that the weather permits and we are home, they will get to go out on the grass and play.



They had such a good time today. The kits were racing back and forth, leap frogging over each other and doing binkies, which is the ultimate sign of a happy rabbit. Even Mama Piper was doing binkies. It is quite a sight to see an eleven pound rabbit leap straight up and then change direction in mid-air. She even did some running herself.

It was so much fun to watch them. We watched them off and on for two hours while we cleaned some of the cages. We will clean more of them tomorrow. It is wonderful to see the rabbits so happy. They were thrilled with being on the shed floor to run around, but nowhere near as thrilled as they were to be on fresh grass and clover and with raspberry and lemon balm leaves to eat.

Every day we will move the tractors forward a space and they will eat the lawn (free of pesticides or chemical fertilizers) down. We shouldn't have to mow at all this summer. Not only will this cut their feed bill down, but it will naturally fertilize the grass.

The total cost for the supplies to make the two tractors came in at around $100. Considering that a pen half the size of one of these costs $75, we did good.

We rearranged the rabbit shed yet again and we now have what I think is the most efficient use of space. It was a lot of work, but is now much easier to move around in. DH still needs to build a new hutch frame and I need to buy 3 more cages. We will also need to build some more rabbit tractors, but for now they can take turns. I would like to put Serenity and Sweetie Belle in a tractor with Lola, but I'm not sure they'd get along. Phoebe and Lola did not when we had them on the shed floor at the same time. Does can be very territorial if they are not from the same litter and even sometimes when they are.

I know I still need to do an accounting of last week's bills, but I'm so tired I'm going to put it off for yet another day.

I transferred the $44.99 left in checking to the Emergency Fund, which now totals $3902.12.

Payments made:

$1000.00 to Mom
$1000.00 to BoA VISA
__757.82 to Car loan (extra to principal)
___90.00 Physical Therapy
___44.87 Phone Old House
___23.39 Electric Old House
------------
$2916.08

I also took out $100 cash for the week, $30 for the kids' allowances, and spent $145.07 on groceries.

I still need to make a trip to the food co-op and then I should have at least $200 left for the Wisconsin Fund.

I have made it 3 weeks on one tank of gas and still have a third of a tank, so I think I'll make it until next payday before having to fill up. I am glad of it since gas has hit $4 a gallon. Of course, the reason I still have so much gas is that my daughter missed nine days of school with the evil stomach flu (she threw up so hard one day she broke all the blood vessels in her face, giving her skin a freckled appearance) and that the chiropractor took a two week vacation. The only places I drove during that time are to the grocery store and the feed store and physical therapy (one of which I cancelled when I had the evil stomach flu).

I am steadfastly ignoring the laundry and the garden today. I woke up feeling exhausted, so other than taking care of the animals, I have done nothing. The kids had plenty of leftovers to eat so are fending for themselves while I just lay in bed. I thought I was over the evil stomach flu, but I think I may be going in for round 2. Ugh.

So I added the $40.50 in the coin jar and the $31.96 leftover in checking to the EF. Along with the June deposit of $100, which I made today even though it's not June yet, bumps the Emergency Fund to $3844.78., so the normal goal would be to scrape up enough to get it to $4000, but since DH has overtime, June's goal is $5000.

I went ahead and funded my funds as usual today, even though I know that eventually that money will probably be wiped out for the Wisconsin trip. But I'm keeping it in the funds sections anyway until we know either way what is going to happen there. Available fund totals are now $1300 ($1000, if I don't count the meager college fund). This does not count the property tax fund or the propane fund, or any other fund that is a bill paying fund for bills not paid monthly. We'll only be taking from the non-essential funds like Christmas, Laptop, etc.

Here's what came out of today's paycheck:

$300.00 to Mom for June utilities
__90.00 Physical therapy
__39.53 DH Life Insurance
__32.70 Me Life Insurance
__66.62 Car Insurance
__45.67 Old House Insurance
__41.16 Old House Security
_168.00 Storage
_600.00 Mortgage ($224.14 extra to principal)
_100.00 Cash for week
__30.00 Kids Allowances
_620.64 AMEX (gas and eating out)
__72.00 Water/sewer Fund
_100.00 Emergency Fund
__19.00 Garbage Fund
_100.00 Hawaii 2018 Fund
__19.00 Dues Fund
_100.00 Propane Fund
_100.00 College Fund
_100.00 Laptop Fund
_100.00 Christmas Fund
------------
3165.77 Total Paid Out

I have $241 in checking, msot of that will go for groceries and over the counter medicines to restock up after the three of us were ill.

When the mortgage payment hits the remaining mortgage will be under $12K. I am excited. $10K left seems closer than ever

Oh, I forgot, there was also a medical bill of $157.41 for my daughter.

Yesterday was so beautiful and today is so wet that the chickens are taking it as a personal insult. I am tired of the weather swings, but it could be so much worse. I feel guilty complaining about the weather here when I read the news and see the photos coming out of Oklahoma.

That sort of devastation seems unreal to me because I've never seen it in real life. The only things I have personally experienced are massive floods big enough to declare us a disaster area and the day the creek exploded and the town was under a black mushroom cloud. And even that can't compare to the scale of the tornado there. My heart and prayers go out to the people who have survived this devastation.

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I didn't sleep last night. I hate it when that happens. It makes it so hard to cope with the day in a good financial state of mind. So my planned homemade pizza turned into an XL carry out pizza from Round Table instead. $29.35. It has gone up from $27.18, what it's been for the last year. That left me with 65 cents for the coin jar.

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I am so behind on where I want to be with gardening. There has been so much to do lately between homeschooling and the animals and whenever I finally get that wrapped up, it starts raining. Usually May is nicer than this, especially in the second half. I know by mid-June it will stop raining and then we won't see much of it until the fall, but it always feels like forever waiting out the nine months of the year when it does almost nothing but rain here.

On Sunday we went down to Arlington and brought home three new purebred, pedigreed New Zealand White rabbits from a different lineage for our breeding stock for $25 each. They are eight weeks old and it will take them a while to grow up. They are show quality rabbits. I forgot how small eight week olds are.

Meet Starbuck, Serenity, and Sweetie Belle.



Then on late Monday afternoon Piper kindled. She had seven healthy kits. They are the sweetest things, just these tiny, naked, pink squirmy bundles. If they weren't so squirmy I could fit three in one hand at a time. They make the cutest little noises. All of them had fat little tummies today so they are nursing well. Piper is such a good mama.

So right now with the seven newborns we have 19 rabbits in residence. That won't be the case for long though. Soon 5 of the 6 thirteen week olds will go to freezer camp, leaving only Lola to grow up and be breeding stock. It will be hard, but the whole point of this venture was to grow our own meat, so we would know exactly what went into it. We know what they have been fed and that they have been loved and cuddled and had happy lives. And we will know that those lives ended in a humane way.

DH is hard at work on a new frame for the new cages. We are keeping ahead of the space needs, but only just. I want to be completely ready for when I can move the three new youngsters out of quarantine and into the rabbit shed with the others after two weeks' time.

I am trying to locate a small livestock scale, so I can see the before and after amounts so I will know the dress out rate.

In six months' time I will have 3 breeding does and 1 breeding buck in one breeding line and 2 breeding does and 1 breeding buck in the other breeding line. Then I won't have to breed related rabbits to each other at all. It's not that big of a deal in meat rabbits, but a lot of people think it is weird based on human conventions. So if I ever want to sell live rabbits to people in the future, having bunnies from an unrelated doe and buck will make the squick factor not be there.

Aside from the $75 for the rabbits, I spent $30 for a new hay manger for them, and bought another $15 40 pound bag of feed. I found a new source for feed that uses no soy and no GMO. I found out about it from the breeder. And sure enough, one of the feed stores here carries it. And coincidentally they happen to have a meat rabbit expo going on this weekend, with a butchering demo. So we will buy a 50 pound bag of this feed when we go to it and start mixing the two together until the first is gone and then switch completely over.

So between the bunnies and homeschooling I have been pretty busy. Hopefully tomorrow I'll have a chance to catch up on the blogs again.

Okay, now for all the things that went out of this paycheck.

$1000.00 to Mom
___90.00 Physical Therapy
___35.42 Electric Old House
__757.82 Van Loan (plus extra)
___51.78 Garbage (one extra can this month)
__212.71 Medical
___41.78 Security Old House
___72.56 Internet
__225.00 Monthly Chiropractic Family Plan
__105.00 Propane Fund
___19.00 Dues Fund
__100.00 Property Tax Fund
__100.00 College Fund
__100.00 Appliance Fund
__100.00 Christmas Fund
__100.00 Laptop Fund
__100.00 Vacation Fund (Hawaii 2018)
___28.00 Kids' Allowances
___75.00 Three NZW rabbits from different bloodline
__100.00 Cash for the Week
------------
$3414.07 Total Paid Out

We are down to owing Mom $72,000. That means 6 years left to go, if we continue on the repayment of $1000 a month. It will be gone when we are both 49. Our van will be paid off well before that. After that is paid off we will work on paying off the mortgage on our small farm that we plan to buy once our house sells. And also play mega catch up with retirement. We want to go into retirement 100% debt free, which will make it easier to get by on less. As will raising our own meat and growing our own produce as much as possible.

It feels like we are finally starting to really pull ahead as I plan for future needs and am able to set the money aside each month. We are two paychecks ahead of our bills now and we have half a month's income in the Emergency Fund. It's getting there and each small step I take has built on the last one. Some people may scoff at $10 here or $5 there, but I know. I know from experience that it is the little things just as much as the big things that get you there.

There is not too much going on in my little corner of the world right now. My son is doing MSP testing so there isn't even much going on with homeschooling this week.

We are awaiting the birth of Piper's new kits. It is day 28 in her pregnancy and they usually give birth between day 28 and day 32, so it's all up in the air which day she'll have them. She has made her nest but as of this morning has not pulled any fur yet, so I don't think it's going to be today. Since rabbits are born without fur, the doe pulls the fur off her underside to cover them with before she gives birth so it is the sign to watch for. Not only does that give them fur to be covered with, it clears the way for easier nursing for the kits.

Fortunately it will be cool the next few days. It was 80 on Monday which is not a good temperature for any rabbit, let alone a pregnant one.

I've managed to pull a few weeds, but the garden has not come any further than that. Now the DH is home, we should be able to get some work done and get things going.

Not much in the way of spending money this week, except yesterday and today I got DS Mcdonalds on the way to testing just because it was easier and more convenient that early in the morning. So $6 bucks each day and will likely do that for the next two days of testing.

He's done great so far, but the writing portion starts tomorrow so that may be more difficult for him. He would be great doing it orally, but MSP doesn't allow for that.

I'm way behind on reading the blogs here again. Hopefully everyone is doing well and having a nice spring this week.