We set DS up with a Traditional IRA today and taught him how to do his taxes.  Of course we have to wait to get paperwork from Vanguard before they actually get submitted, but he dumped $3000 from what he earned last year into it.  So instead of having to pay $300 in taxes, he will now be getting $161 back.

He has been wanting to get this set up for a while and we didn't want to miss it.  I know we still have a month, but I never like to push it.  He would have got more back, but we still claim him as a dependent.  Which we will until he works full time, buys his own groceries (or contributes his share to our groceries), and pays 1/4 of the bills.  Then he can be an independent while still living with us.  He's not even working right now, so it is a moot point.

DH finally sent off our taxes today.  I thought he'd done it in early February like usual, but nope.  So I'll stop looking for it to be deposited and just check on Wednesdays, just not this coming one.  We always seem to get stuff deposited on Wednesdays from the IRS.  We usually do them in February because it only takes a week at that point and because we want to get it in early in case someone tries to pull identity theft.  Someone used DH's SSN back before we were married, and while it wasn't to claim taxes, it was to pay them.

He had to go through the rigamarole of proving that he didn't earn that money, because he wasn't living in California, so that we could prove he didn't earn an extra $50K that year. It was a pain, but since he was working at home, he hadn't started in Alaska, it was pretty easy to prove.  Plus he had receipts from his credit card proving he was making purchases during that time and the location.  So it wasn't as bad as it could have been.

We keep having these beautiful sunny days, but they are too cold to sit outside with the wind.  DS says it is still too cold most days to go on walks.  I want to soak up some sunshine, but I don't want to get chilled.  It's probably just false spring #2.  We can't plant around here until mid-April, but I really need to get my tomatoes, peppers, eggplants, and basil going.  I'll have to check the chart for anything else that takes a long time to germinate.

I'm only planting two varieties of tomatoes this year and it'll be mostly Opalka paste tomatoes  They are heirloom and open pollinated, so seeds can be saved from them.  I've grown them before twice with great results.  The tomatoes can be as big as your hand.  These aren't your typical baby romas.  I will also be planting Lillian's yellow heirloom tomatoes.  I'll probably just do two plants there.  Since I am planting organic seeds and using organic planting medium, I will easily be able to sell any extras I don't need.

I'm seriously going to be making homemade tomato sauce, pasta sauce, pizza sauce, and ugly sauce (from the yellow tomatoes), and anything else will be quartered or diced.  I need to buy a food strainer.  My food mill that came from my grandmother and was new in 1934, won't hold together anymore.  I am trying to decide between a hand turned one or an electric powered one or just the add on for the Kitchen Aid.  The latter two are quite a bit more expensive, but none of them are out of budget.  Anyone have any experience with these and could recommend a good one?  I want to make the purchase sooner, rather than later, before prices go up for tomato season.

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

$641.00 10% donation to the local Christian Homeless Shelter

1350.00 Handicapped Ramp Fund

1000.00 Vacation Fund

_500.00 Meat Fund

_500.00 Miscellaneous Fun

2000.00 Emergency Fund

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

$5991.00 Total

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

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

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

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

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

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

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

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

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

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

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

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

My daughter came home from the hospital last night.  They got all of the tumor.  We have to wait a week or so for the biopsy results, but it did not appear to be cancerous.  She is doing well, eating soup and Welch's version of Jell-O, which has no artificial dyes in it.  She's a little high on the pain medicine, but that's kind of how she reacts to it.

I started physical therapy on Friday.  They can't do much with me because of how inflammed I am right now, but they started an electrical stimulation thing called a tens machine and did that over the L-4 and L-5 vertabrae on my back.  I think it made a small amount of difference, but it is early days.

The pantry challenge is going well.  We still have not gone to the grocery store yet.  I have only repeated one meal and that was because there were leftovers.  I have salmon and spot prawns thawing in the fridge, both of which my husband and son caught.  DD thinks those will be easy for her to eat.  Her jaw and throat are pretty sore from having a breathing tube in during surgery.  So easy to chew foods are on the agenda for a couple of days.  We have a lot of seafood in the freezer, but it is getting close to the time when it needs to be used up by.

I finally succeeded in finding some dye free, fragrance free shampoo and conditioner.  I am hoping they are good products.  I still can't find a body wash like that that doesn't use coconut oil.  We make do on the castile bar baby soap that is fragrance and dye free, but sometimes you just want a liquid body wash.

If that new stimulus Biden wants passes that will give you money for all dependents not just children, we will be getting quite a lot of money.  DH made a mistake when he was trying to figure out our taxes early.  Turns out we will owe somewhere in the $900 range, not the over $2000 he'd originally thought.

If so, and if this stimulus comes quickly I figure we'll open a spousal IRA for 2020, which may be enough to get rid of that tax bill, and see about getting a new ceiling in the tiny bathroom.  If it doesn't pass or we don't get it, then I guess we will just have to save up to fix it.  First off I will need to price everything, but I think DH and DS can do it themselves.

It should only require two pieces of the moisture resistant drywall and rental of a drywall lifter, and some tape, some mud, and some paint.  We have plastic sheeting to keep paint from dripping onto the floor, tub, sink, mirror, and shelves.  We saved everything our mattresses were wrapped in.

I got my first seed order today from Victory seeds.  I am really excited about starting to plan for the new garden.  We are completely redoing it with cinderblock raised beds that we will use mortar on to make a permanent structure.  The wooden beds just fall apart too quickly and I don't want to throw away anymore money on this.

I have another order coming from Fedco and I have to order a couple more things yet, but not much.  I am just waiting on one of the companies to put up its seeds for the year, which should be any day now.  It's just the type of broccoli and the type of lettuce I want.

Not too much going on here.  I have slowly been working my way through the novel I am reading and am about 80% done.  I can't read like I used to since the concussion a few years ago and because of the floaters in my eyes so I mostly take 3 to 4 weeks to read a large print novel these days.  I set my goal on Goodreads to 12 books read for the year.  I listen to a lot of audio stories and books, though, but I don't count that as actual reading.  I do read quite a bit online, but I have to put the magnification up pretty high.

I've now lost 13.4 pounds, but I gave in and ate gluten today, still within the confines of my diet.  It was breaded cod fish.  We will see how I feel tomorrow.  I don't react like my kids do, but it usually makes me feel bloated.  At least I made it halfway through the month.

What is that old expression about making plans and then God laughing at them?  Well, my plans for 2021 just got thrown for a loop.  Not completely, and it is something we can cash flow through March for, but it means only putting $195 a month into the Emergency Fund.  For the first time ever we will be owing taxes.

It isn't an exact amount just yet, and won't be until DH gets his W-2, but with the numbers we do have, he estimated we will need to pay $2304 in taxes.  It might vary.  That means saving $768 a month for the next three months.  The only place to take that money from was what we planned to put into the Emergency Fund.

If I want to hit our goal of six month's expenses by the end of the year, that means I will need to save $1018.55 a month from April through December.  What I had budgeted for was $950 a month before all this.  So that is a shortfall of $68.55 a month or $616.95 total.  We might be able to make up for that on 3 paycheck months where medical would not be taken out so the checks are bigger.  There is one in April and one in October this year.  I would know how much it would be by April to know if it was enough in October to make up that difference.  If not, I'll just have to find the money somewhere.

I'm not sure what our tax situation will be for 2021.  We will be almost maxing out our 401K which one would think would lower our taxes by quite a lot.  We only did 5% in 2020 and are doing 15% this year, which is $17,160.  The max is $17,500 for 2021, although since we are over 50 we could do the catch up rate of $19,500.  But we're not, at least not this year.  Once we have our six month's expenses saved, the plan for 2022 is to max out to the catch up rate if we can.

I don't know if they will eliminate that tax cut Trump put in or not, but if they do that will affect everything, too, so until we see what they will do in Congress, it is kind of tilting at windmills to even try to think about taxes for 2021.  Of course, that drives my planner's mind crazy.  I am going forward assuming it will be eliminated, though.

I guess if we do have to pay taxes in 2021, we will probably be fine just doing what we are doing this time, altering the budget to cashflow the taxes.

You know what?  I am so grateful we have no debt.  So, so grateful.  This would have made me so upset a year ago, but now we can just absorb it.  Yes, it makes me annoyed, I don't like change, but not "Oh, my gosh, what are we going to do?" freaked out.  I knew exactly what we could do and how to manage it without even blinking.  That peace of mind, after so many years under the burden of debt, is priceless.

I don't know if I mentioned here about my little grand niece, but she was in the ICU at Children's for a couple of days, then one day out of the ICU and today she got to go home, but she's still not great, just not life-threatening anymore.  There is something wrong with her blood sugar, like she's not absorbing enough sugar or something and it just got so bad because she stopped drinking for a day and got dehydrated.  They had genetic testing done, but won't get that back for a week or so.  Meanwhile they gave my nephew and his wife some sugar paste that absorbs directly into her gums if she won't drink enough juice to keep it up.  They haven't mentioned diabetes at all, so I don't think that is the issue.  Hopefully they will get it figured out soon.