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This is the second two week paycheck. DH got 20 hours of overtime this pay period. This is the first week that money was taken out for the 401K. We are having 5% (because that is the match) taken out. It will go up when we have finished paying off the Mom Loan. The next paycheck on the 7th will be when the insurances start being taken out. We will have medical, dental, and vision (all separate), plus some additional life insurance on DH. This will bring up the amount of life insurance coverage on DH to $400,000. I want to get more on DH (it should be 10 times your income), but it may be a while before we can.
$1000.00 Monster Mom Loan
__400.00 Grocery Envelope
__400.00 Medical Fund
__100.00 Household Envelope
__100.00 Car Insurance Fund
___56.83 Life Insurance DH
___45.30 Life Insurance Me
___50.00 Allowance DH
___50.00 Allowance Me
___90.00 Allowance DS
___30.00 Allowance DD
__100.00 Clothing Envelope
__100.00 Christmas Envelope
__100.00 Laptop Fund
$3482.94 Total Money Out
I did go out today and pick up ice, watermelon, and a fan. I went with a cowboy style bandanna on and no one really gave me any weird looks. More "I wish I had thought of that" looks, than anything else. I ordered some masks with filters off of Amazon and paid for the fast shipping and they should be here on Thursday. Hopefully earlier in the day than later. As long as they are here before the big grocery shop on Friday, though.
We made it pretty well through the two week grocery shop and I'm going to try it again on Friday. There are some good beef and fish sales this week and chicken is always cheap at Winco. We did run out of some things, so I will adjust my shopping list accordingly, but it was nice not to feel like I was constantly running to the grocery store.
I need to figure out my new two week meal plan based off the ads and what we have on hand. That worked out pretty well for us. I will have to go to Costco this week as we are down to just one pound of butter, so I will probably get broccoli florets and possibly cauliflower florets while there. I hate cutting them up and the stuff they do there is cheaper than getting full crowns elsewhere. I also need to get some Ziploc bags out of the household budget. Not much else, though.
Well, maybe a new printer, but that comes out of the Laptop Fund, and only if they have an HP. The Canons keep breaking after only a year. They never used to be like this, but the last three have been, so I'm done with brand loyalty. My laptop is an HP anyway. I'm getting tired of not being able to scan or print anything, especially recipes.
We did do a couple meals of takeaway this week. It was on canning days and I was wiped. We got Pizza Hut one night and McDonalds another. I will try to not do that this week, though. I don't want to fall back into old habits.
I am 12 days into my diet and have lost 9 pounds. I hope it sticks this time. I am so tired of being overweight and I know it doesn't help with my immune system issues. I can't really exercise. It is too hot inside and outside is still having ashfall. I might go to the mall and walk if I get some time. I still have pears to can. Applesauce was today. And I want to get some green beans and gold potatoes for canning as well.
Rain is still in the forecast, but instead of just being Saturday and Sunday it is now saying Friday, too. I hope so. We need it so badly.
So the paycheck this week was only $666.11. Yeah, that's always a lovely number to see. The reason for this is that his former employer said he could just take the insurance for August out of his last paycheck for July so no one has to deal with COBRA paperwork, so that is what we chose to do. The new insurance starts on September 1st. It seemed the easiest of all options.
I also got my Thrive Life paycheck and my youtube/google paycheck, which are small, but that number is reflected in the tithe. I transferred $1500 out of savings, $500 of which I am saving for next week, to make up the difference. That $500 will be for groceries, medical, and household for that one week and then we'll get the two week paycheck and be on a bi-weekly budget.
$800.00 Monster Mom Loan
__56.83 DH Life Insurance
__45.30 My Life Insurance
_200.00 Grocery Envelope
_200.00 Medical Fund
__50.00 Household Envelope
_100.00 DH and My Monthly Blow Money
_100.00 DD's Birthday
1679.45 Total Money Out
The dates and times have been off on the blogs for several weeks now. Right now I will post this on November 23 and it will say it is November 24th. The time used to be concurrent with whatever time zone you were in as well, but it now is half a day or so off. I think the code is broken somewhere.
Has anyone heard from or seen Julie lately?
It is now legal to catch catfish with a pitchfork in Illinois. Anyone from Illinois care to explain your state to me? I hope everyone has a good year. I sure could use one. I would like wealth, health, and happiness from 2017. Or you know, just a good job for DH with medical benefits.
My normal ability to look on the bright side and find the silver lining has waned an awful lot this past year. Let me think of what I could come up with to be optimistic about. Hmm...well, the ducks are laying eggs again. There are 11 healthy kits in the rabbit shed. I have gotten amazingly good at knitting socks on the loom. We are still out of consumer debt. The garden is still going under the low tunnels despite several snow falls. And I have a freezer full of meat and shelves full of home canned food so we are still good on that count. We have a house over our heads. We still have over $40K in our savings account.
Hopefully we will have some bigger things to be optimistic about soon. They've started putting up more oil job listings. Some of them are slope jobs which would be ideal as that is what we are used to and my grocery budget could go back to normal. The moment DH has an income again we are going to get him enrolled in a University that will let him do everything online, so he can get his B.S. in Electrical Engineering. Right now he has an A.S. in that and a certificate in Architecture for a two year program he did in the tech school right before they turned into a college and started issuing A.S.'s instead of certificates.
We may start him doing it anyway even if he hasn't found a job by the time the unemployment runs out. So much stuff says B.S. or equal on the job experience, but they'll often choose the guy with the B.S. first even if he has no experience. DH has learned so much on his job he could have a masters degree in it, but without that piece of paper, unless they have worked with him before, he is at a disadvantage.
DH is also thinking that if he purchased the online subscription to Auto Cad that he could pick up some freelance work.
The book is coming along. I have set a goal and that is to write at least 1000 words a day on it. Since I've written 15,000 words a week when I have my groove on, I think a mere 7000 is a good goal that won't have me feeling overwhelmed in case my muse leaves the building.
We'll be dipping into the farm down payment fund. We have officially spent all but $1000 of the Emergency Fund.
I don't really count New Year's as a holiday. It's not something we really celebrate as everyone is always in bed well before midnight. So once Christmas has passed I feel like I'm free and clear.
We did not end up going out to the in-laws on Christmas Day. We stayed home. FIL's white cell count was too low to be around anyone who was sick and everyone is sick. Except I am finally coming out the end of it. But MIL and FIL cancelled it. SIL threw a tantrum, because her holiday being ruined was apparently more important than FIL's life and fight against cancer. She got stood up to, though. I wasn't sure they'd do it, but this is the second time this year they have.
Apparently SIL bought a turkey and was going to make it herself. I really want to hear how that turned out since SIL does not know how to cook and has never roasted a chicken, let alone a turkey, in her life. I don't want to hear bad enough to call her, though. I was just relieved to have a quiet, peaceful day at home, not ruined by her scream-fighting with one of her daughters.
We had a very laid back Christmas. Very minimalist. We had our little 18 inch tree set up, still decorated from last year, that we store on the top shelf of our closet. We took it out a few days before Christmas. We just don't have the room to put up a bigger tree and even if we did, the hassle of putting one up is more than anyone wanted to deal with anyway. Most of the presents were handmade, though I did get the 30 year anniversary collector's edition of Labyrinth, my favorite childhood movie.
My son made me a beautiful turkey platter in his pottery class that I will treasure for the rest of my life. It was completely hand-built, no potter's wheel. I really love it.
I am glad we got the chance to really enjoy Christmas this year. I hope everyone else did as well.
$2897.63 Starting Balance
+__10.00 Weekly Deposit from 7/9
$2907.63 Ending Balance
$1092.37 to go to hit my goal of $4K.
I have spent a lot on produce this weekend. I guess I am feeling nutrient starved or something (could have something to do with all the potato chips I've been eating this month). Or maybe I'm just holding onto that last gasp of summer fruits and veggies. Anyway, I am planning very carefully to not let any of it spoil.
I've been investigating some new recipes as well and will try out two this week.
Chorizo con huevoes
Corn on the cob
Steamed yellow summer squash
Black pepper chicken stir-fry (has lots of fresh veggies)
Drop biscuits with choice of homemade jams
Homemade pizza with pepperoni, ham, yellow onions, and bell pepper strips
Bacon cheeseburgers on homemade buns
Every time I use a punctuation mark like an apostrophe, or a comma, or quotation marks, it is surrounded with back slashes. It is not just me either. I've seen it on the blogs of everyone today too. Is this just a glitch in the system?
I tried to post last night but it wouldn't let me. It also wouldn't allow me to comment on my own blog or anyone else's despite being logged in. I even tried logging out and logging back in. So this is just a test post to see if the problem is over.
Not one he applied for, just one that was offered to him. And it's not what I would consider all that great, just good. Where he's at he has work for 2 to 5 years at a high rate of pay. He's finally on a 2 on 2 off schedule. The medical benefits aren't great but they are decent. The 401K has no match at all, but it exists. The yearly bonus is 5% of gross pay for the year.
The other job would be a pay cut. It would be a step backwards in the work he does as well. There'd be no guarantee what type of schedule he would work but it would likely be back to 3 on 3 off or 4 on 2 off. No idea about bonuses. The benefits are excellent, top notch for the industry. And the 401K is really, really good. Plus it is an almost unheard of type of job security in his industry. Basically he'd be set for the rest of his life in this company and barring something really stupid, never have to worry about his job again. And he could move up to what he's doing now if an opening came up.
The thing is, if we were out of debt I would seriously consider it. So would he. Just for the security. We already live on less than half his income, the rest goes to debt repayment. We had a good talk and we are even more determined to finish paying off our credit card debt this year and get the house fixed up enough to sell it. We sell the house and we dump the money into paying off the car and whatever is left we start saving for the downpayment and college. Then we are debt free completely and cashflowing college.
My mother has been intimating that we should just stay here at least until my sophomore graduates from high school. Mom may drive me crazy sometimes, but I worry about her being on her own, and not sure she could afford to heat this house without us paying the gas and electric, plus we pay the garbage and internet. If we move out I'd want my eldest sister to move in again. Mom's not ready for assisted living, but she does tend to forget to drink water and gets herself dehydrated, especially in the summer, and she does fall a lot even if she's never seriously hurt by it (strong bones).
We are also talking about getting a smaller house possibly when we do buy so we can have a smaller mortgage. Just a three bedroom instead of a four. After all DD will be going to college and she may need a place to crash during summers, but after graduation she plans to go teach in Korea, so she won't need a permanent bed to come back to. The other thing I have considered is that setting her up in a small one bedroom somewhere for the summer, or having her stay at with my mother, might be cheaper than taking out a bigger mortgage for a bigger house. I just don't know, but it is something to consider.
Plus, DS will start college the year after she finishes so is there really any point in having a large house at this stage in our lives? I mean, all a large house really does is encourage adult children to move back in. (Yes, we are a case in point, I realize that, but our reasons were medical and medical debt, not just because it's easier). I suppose that is enough musing for one night.