Very little going on today. Car insurance of $95.61 and house insurance of $41.00 came out on autopay today. Tomorrow or the next day life insurance will come out for both DH and myself. On the 5th storage autopay will come out, and then nothing until the 12th.

I will mail off the electric bill tomorrow and pay the AMEX online.

I paid out $90 for physical therapy today. DH gassed up the car before I took him to the airport. It was $3.99 per gallon at Costco and he got 8 gallons for $31.92. We also put a smidgeon over 4 gallons in his dad's truck last night, but that was at $4.03 a gallon and was $16.20.

I went to the grocery store and got milk, strawberries, and medication from the pharmacy. Altogether it was $71.17.

We are making up strawberry/banana/orange/pineapple smoothies and freezing them in rocket shaped Popsicle™ molds so that DS will have some dye free, artificial ingredient free, homemade Popsicles™ after his tonsilectomy. Mom is also going to make some homemade ice cream for him to have.

The new chicks are growing so fast. They already have distinct personalities. The cuteness factor is off the charts.

Not much to blog about yesterday so I didn't. First day I missed in a long time. DH went out to the house with his dad to work on the shower stall. He ended up having to come back into town for parts and then go back out again, so he used 4 gallons of gas instead of 2. That'll throw things off a little bit. Glad we aren't making a trip to Seattle this month after all.

DD went to a birthday party. I gave her a twenty so she could buy a present and the change she brought back was $3.25, all in quarters, so it went into the change jar.

The people that fixed the plumbing on Friday came back to take away the broken up blacktop from the part of the driveway they dug up to get to the pipes. The backhoe is still here and will likely remain here until Monday.

My mother decided not to repave that part of the driveway and brought some good dirt/compost in and is going to plant potatoes there. The sewer and gas pipes are eight feet down so the plants shouldn't interfere with them like the honeysuckle roots did. 3 feet of pipe was just jamemed with honeysuckle roots almost in a solid mass.

I'm not crazy about the idea of her planting veggies there because the part of the ground where the overflow pipe comes out spewed sewer water for three days. That can't be healthy. Hopefully she'll just avoid that area, since they actually dug up thirty feet and there is plenty of ground that didn't get contaminated.

As for today my daughter is making the entire dinner. I said I didn't want to do anything, didn't want to be involved in making an elaborate meal and was happy with spaghetti, but she wanted to do something so I told her to go ahead.

We had a turkey at Christmas that we didn't use. We had ended up celebrating Thanksgiving a couple weeks late since DH was in Alaska on the actual holiday, and so nobody was in the mood for making another turkey so soon. So it sat in the freezer since Christmas, but it looked good when we thawed it out this week. So basically we are having Christmas dinner for Easter. She gets to turn it in as a missed lab in her home ec class, too.

I didn't see a price on the turkey so I can't really do a breakdown, but I'm sure it was close to $30 since it was a free range organic bird. Only a 12 pounder, though. And we'll be eating off it all week so that definitely brings the price down on everything.

On April 9, 2006 I started this blog. It's hard to believe it's been five years (even if I took one year off from blogging there in the middle). In that time we have paid off a lot of debt, most of it incurred from having really bad medical insurance and multiple surgeries. We started at around $200,000 and had medical expenses somewhere in the middle that added to that total as well as bought a new car (at one point we were as high as $250,000).

We have paid off a lot in the last five years, but honestly the real progress has been made this year since January by paying off the $38,323.87 from the BoA Gold Star Loan and $8000 of credit card debt (paid off one card and most of a second card).

What we are left with now is:

$90,000.00 owed to Mom for medical debt
$21,224.97 mortgage
$15,839.43 car loan
$21,044.92 total credit card debt
------------
148,109.32 total debt owed

But of the unsecured debt owed it is $111,224.97. Hopefully we will be able to sell the house within the year and then that debt will be gone and we'll have a substantial down payment for our next house. The credit card debt will be gone by the end of the year and then the car debt should be gone by April of 2012. It feels good to know that in a year we will be free of everything but what we owe to my mom.

Mom doesn't want more paid back then $1000 a month because she is using it to live on and likes having a steady income. But if she dies before it is paid off then the debt is forgiven and is not owed to the estate. Which will be nice not to worry about, but I'd rather have her around for the next seven and a half years it'll take to pay her back.

The mortgage payment hit today leaving me with a mortgage balance of $21,224.97. Slowly but surely it's disappearing. $277.31 of the payment went to principle and $98.55 went to interest. So well over 3/4 is going to principle now. Really, really like being on this end of a mortgage.

I forgot to update the car amount when it went through a couple of weeks ago, so the amount still owed on the car loan is $15,839.43. We are definitely keeping this car for several years after it is paid off. Which on our current debt repayment schedule should put us at April of 2011. After December of this year, all debt money will be thrown at the car loan.

The $142 autopay for storage also came out today. So down to $64 in checking until Friday.

I am getting really antsy for Friday to get here. I should just be relaxing and enjoying a week of sleeping in and not having to transport the kids to and from school. Spring Break is a lovely time of year. But I want payday to get here so I can send a huge chunk of money to the Master Card. And then I'm sure I'll want the next one to get here as well so I can finish paying it off. I just want it gone so badly. I want to be down to paying off only one card and seeing that progress every single month, the only balance getting lower and lower. It's extremely psychological at this point.

Not much going on here. I was hoping DH and I could go out tonight to celebrate our anniversary but I still don't feel well enough so I guess maybe next month we'll go. I don't know. Probably by then I won't really care about celebrating. It's not like we do so normally anyway.

The house that we really like had an open house today and DH wanted to go, but I didn't see the point in it. We can't buy right now anyway. I don't mind looking at model homes, but going to a house someone is actually trying to sell right now when you have no intention of buying just doesn't feel right to me. Besides, if I'm not well enough to sit up in a restaurant for an hour and a half, I'm certainly not well enough to walk around a house or climb stairs. I get too dizzy. This flu can be gone anytime now, please.

I have to remember to transfer money from the holding tank portion of savings to checking, as the car payment comes out on autopay tomorrow. Plus a bit for groceries, too for this coming week.

DH has taken over the cooking right now. Not sure what I'll do when he leaves on Monday night. DD is almost well so maybe she can take over the cooking for the rest of the week and then hopefully I will be on my feet again.

DH actually made up his own meal plan for today last night with a few grunts of acknowledgment from me.

Breakfast:
French toast with powdered sugar ($1)
Milk ($2)

Total $3

Lunch:
One package of Trader Joe's hotdogs ($3.99)
Homemade buns (.50)
Oranges ($2)
Chili ($2)

Total $8.49

Dinner:
Leftover chicken (free)
Leftover pot roast (free)
Leftover mashed potatoes and gravy (free)
Leftover broccoli (free)
Milk ($2)

Total $2

Total for day $13.49

Sixteen years ago today DH and I got married. Wow, that seems like a long time. We've been together over 20 years, half my life. It's been a good marriage and I consider myself very fortunate to have found such a good partner in this world. We've had to cancel our plans due to my having the flu though. We were going to go out to a nice steakhouse for dinner. DH is almost never in the same state as me for our anniversary, so having the chance to actually go out on this date was really nice. Oh, well, I guess it wasn't meant to be this year. It saves us around $60 to just stay in though.

We got a refund check from Allstate today. If you go so long without accidents they refund you part of your payment for that six month period. So we got back $26.41. We've been with them for two years now and we've gotten a check each renewal period. Also they have a deductible reduction for each year you don't get into an accident. So our original $500 deductible has now dropped to $300 with no increase in how much we pay for insurance.

In fact it's gone down about $9 a month. (Because we have it automatically taken out of our checking each month we don't have to pay a monthly fee for installments, otherwise we'd pay it in a chunk every six months). I have to say that getting money back and them lowering our deductible are very nice perks for safe drivers like myself and DH.

DH got gas last night for $38.71. The tank was running on fumes, I think. Costco price was $3.51 per gallon.

With the doctor's permission, I decided to try splitting my 10mg pills in half (the ones that cost $125 for 30 with the coupon) and see if I did okay on 5mg, but it's a noticable difference in symptoms after two days so I won't be able to save that way after all. I guess we just have to absorb the costs.

It probably means cutting my physical therapy sessions down to an hour a week instead of an hour and a half to have that extra money. I am starting to walk normally now so maybe it's time anyway. I'd rather do that than take it away from debt repayment. We are so close to paying off the second Master Card I can taste it.

DH went down to the courthouse to pay the car license tabs today. I had written the check out on the 15th, but got too sick to run my own errands. Fortunately I was not too sick to notice that they had very sneakily put on a state parks "donation" that you had to opt out of not to pay. I saved myself five dollars on it. I wonder how many people never pay any attention to that, just look at the total line and end up "donating" when they never had any intention of doing so?

Don't get me wrong, I think supporting the parks is a good thing, but I want to do it on my own terms. Like when we go use one there is always a donation box and I'll likely slip a five in there then. But don't try to sneak it past me. Charity should not be something you are tricked into. Bad state of Washington. Bad.

Anyway, the damage was $75.75 instead of $80.75. We have vanity plates which is why it is so high. And yeah, I know I could get rid of them and only be paying around $35 a year, but we get a lot of enjoyment out of it and we've had fans of our favorite fandom (which the plate is related to) come up to us all over the place and start talking to us about Doctor Who. It's always fun to meet other Whovians. Yes, nerdy fangirl here, I freely admit it.

While he was there he also picked up a print out on our property tax form. We forgot to change our address with that part of the courthouse. I kind of assumed that since we'd changed the one for licensing and for voting that it was all one system and it would get changed over, but it didn't. Anyway, we never got the statement from them (and it didn't get forwarded from the old place) and since it is due on April 30th I wanted to have the amount on hand.

It only went up about $20 for the year. Total is $1,036.24. The amount due April 30th is $518.17. I've got $400 set aside so far so just need to come up with $118.07. I have a line for it in the budget already though, since I knew it would be around $500. So that is $100 a month. I'll just have to come up with the extra $18.07.

I'm running a fever today of 101. All I want to do still is sleep, but I had a very restless night. Just coughing a lot. I want this flu to be over. I hear it's a long and lingering one, though. I cancelled my dentist appointment and rescheduled it for two weeks from now. Well, actually DH did it since I have lost my voice. I am really glad we have unlimited texting. It is coming in handy right now.

DH took DS in for his physical before school today. There has been quite a change in his vision on one eye so he needs to go get new glasses. At least our vision insurance is better than our medical. It has no deductible, pays for the entire office visit and up to $200 on the glasses. I need to go in and get new glasses, too, but not until I am well.

DH is going to have to go pick up that expensive prescription today. Even with the $25 off coupon it will still be $125. Ouch.

I picked up 8 temporary checks from the Credit Union today so I could write out the rest of my bills. They were:

Garbage for this house--$50.65
HSBC/Best Buy for laptop (took out of laptop fund)--$100.00
Comcast Phone for old house--$44.92 (complaining did me some good!)
Comcast internet for this house--$65.55
AAA Yearly Renewl Fee--$121
Car Tabs--$75.77

I also had physical therapy today so $90 for that. I was able to walk down the stairs today one foot per stair instead of two feet per stair. I'm starting to see some actual progress on my knee.

Then the car payment is due on the 19th which is a Saturday, so that won't come out until the 21st. I've the money set aside for that and will transfer it on Friday the 18th.

I found $1 in change on the floor of the old house while we were cleaning today so that went into the coin jar. Tomorrow we are going to go do some more work out at the house and make a dump run so we will be borrowing FIL's truck which means putting at least 3 gallons of gas in when we are done. So that'll be $10.40 or so.

Wednesday we might go out again, but will have to be back before six at night for DS's science fair. I hope it's one of those things where only a brief appearance is needed. I'm still feeling under the weather and DD is quite ill. If I can pop my head in and oo and aw over things and then leave DH to hang around and do the parental thing, that would be nice.

We have to go to the court house in the morning to pay for car tabs and find out why we haven't been mailed our propterty tax bill yet, since it's due April 30 and they usually send them out in February. They might still have the wrong address. I need to see about getting my temporary disabled parking permit. Should only need it for six months if all goes well surgically.

I need to fill out my juror's questionaire and then enclose the doctor's note with it excusing me and mail that in.

We might go out on Thursday as well. I have to do a lot of sitting down and supervising DH, but I do what I can. And it keeps him company. We won't go out on Friday because that is our 16th wedding anniversary and we're going to a nice steakhouse for dinner. We had talked about a movie but it's really hard on my bad knee to be straight down on the groung like that. It needs to be elevated after about an hour to an hour and half and most movies today are far longer than that. So maybe we'll just watch a DVD together when we get home.

I have a feeling it's going to be long week.

Not much going on here today. We went to Kmart as DD needed poster board for a school project. While we were there we got some tree sap remover and a microfiber cloth to get some gunge off the car before it wrecks the paint. It's supposed to remove tree sap, bug gunge, and bird droppings, all of which seem to have attacked our poor car lately. So we spent $6.80.

We also paid our monthly chiropractor bill of $215 for the upcoming month. Our chiropractor has a family plan where you can have as many visits as you want for every member of the family for a month for $215. Since one visit for one person would cost a $20 co-pay plus 20% of an $80 visit, and all four of us go two to three times a week, it is much cheaper for us to do it this way. We all have certain spinal issues so cutting back on visits isn't an option.

I don't know why I keep torturing myself by looking at used Toyota Sienna's online at the two local delearships near us. I've found two that would be perfect for what we want. Well, other than color, and when you're buying used, you don't get much of a choice in the matter. They are both around the same price, just under $28,000. They both have leather seats and FWD. One is a 2006 LTD with 54,000 miles on it. One is an XLE 2008 with 34,000 miles on it.

What we own right now is a 2009 Toyota Matrix with about 33,000 miles on it which we actually bought in April of 2008 (they had a very early model year. So in April we'll have had it for 3 years. It still has 2 years left in the car loan and we owe $16,236.70 on it. Because of the stupid brake recall thing, the Matrix hasn't held it's value like it would have done without it. So for a private sale it would be worth $15,500 or so, and for a trade in value it's worth $13,600. That's a difference of $2,636.70.

Everything I've ever read about finance says don't roll over an upside down car loan into a new car loan. I know we could come up with about $1500 of that money, but that would still leave us $1136.70 upside down. I could temporarily slow our debt payback to come up with that, too, but I really don't want to do that.

I wouldn't even be thinking about a new (to us) car right now if my children would stop growing! My daughter (who sits behind me when DH is home) and I are constantly jockeying for leg room in this little car. Because of my bad knee, I can't go too long without being able to stretch it out. It makes longer car trips unbearable. DD is taller than I am now, and she feels like she's always squashed into the space allowed her. And so do I.

So far my son isn't having too many problems, he sits behind his dad who has to have the seat even further back than I do. But he's about to turn eleven and he's going to grow. He's already past my chin. We're running out of space and there's also very little space in the back for shopping. One large case of toilet paper and you're lucky if you can fit anything else back there.

The plan was (and likely still is) to get through this year of debt repayment and then use the money that was going for that to finish paying off the car and then trade it in. And also to sell the Crown Victoria which KBB says is worth about $2000 in a private sale. It's a 1992 and in excellent running condition, just needs a lot of cleaning in the interior. If we could get $2000 that would go towards paying down the car loan and getting us close to having the value of what we owe left.

But my mind keeps saying that we ought to just go for it. Used Sienna's in such good shape are really hard to find. The fact that there are two at two different dealerships (so we might be able to use that against each salesman to lower the price) is even more rare. Our payments would be slightly less than what we're paying now and the loan would be for four years instead of the two we have left. We should qualify for the 2.9% loan since we've paid off $50,000 worth of debt since the last time we applied. But even if our interest rate stayed the same as it is now we'd still have payments around the same (about $10 difference) and a four year loan.

Why is this pulling at me so hard? This is the reason I won't go and look at houses yet. I'm afraid I'd fall in love with something before we were ready.

I guess it's just a question of comfort, really. Are we prepared to continue being squished every time we go somewhere? To take rental cars whenever we go on a road trip? To make smaller, more frequent grocery runs because of a lack of storage space? To never be able to haul the kids' friends around?

Am I being short-sighted in sticking to our plan? Or is this an investment worth making since it'll really cause no difference to our bottom line of how much money goes out to debt each month?

Long weekends are the hardest thing when you are waiting for payments to post to your accounts so that you can run the new figures of where you stand and what's left to pay off on your way to being debt free. I'm sure nothing will post until tomorrow. I'm waiting for the new balance on the BoA VISA and the car payment to come through and no amount of account stalking is going to make it happen any faster than tomorrow. I want to know my progress on bringing down the evil empire. *sighs*

Meanwhile I did the baking today. Two loaves of bread and since the kids are home on holiday from school, soft pretzels. I don't like rolling out the ropes for pretzels but the kids do so I only make them when they are home to help me.

I put the ham bone in the crockpot last night with all of the ham drippings and 5 quarts of water. It is still going for a little while longer and then I am going to add the ingredients to make one of the soups that Tightwad Kitty posted the other day. Yummy. There's nothing like a ham (or ham bone) cooking away to make your house smell divine.

For breakfast this morning I made mini egg casseroles. I love eating them and I had some stuff that needed using up so thought today would be a good morning for it.

12 eggs, whipped
1 cup leftover meat, diced (I used ham, but sometimes I use bacon or crumbled sausage)
4 scallions
1/2 a red bell pepper
Large handful of cheese (extra sharp cheddar or parmesan is what I normally use, but any highly flavored cheese would do)

If veggies are uncooked saute them until soft.

Grease a muffin tin and divide the meat, vegetables and cheese evenly between each cup. Pour 1/12 of egg mixture into each cup. Bake at 350 degrees F for about 10-12 minutes or until egg is set in the center of each cup. These freeze well, but we usually have them gone before that is necessary.

I will use up pretty much any veggie I have on hand, just dice it and throw it in. A lot of times that's leftover broccoli, cauliflower, asparagus or zucchini.

If you want a creamier result you can add 1/2 cup of cream, sour cream, or milk, but I like it better without the extra richness.

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

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

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

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

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

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

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

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

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

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

Meal planning for today:

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

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

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

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

Total: $3.50

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

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

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

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

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

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

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

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

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

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

Well, it seems like I rather suck at blogging anymore. I just tend to pop up from time to time now with an update and that's about it. So much has changed in the past year it's ridiculous. Things are slowly coming down debtwise. I am seeing real progress being made in some areas. There's still a lot of debt left though. And we had to pay for more surgery which added to our debt.

$ 94,400.00 left on medical debt
$ 23,139.75 left on the mortgage
$ 42,100.00 left on personal loan
$ 30,000.00 left on unsecured debt over 3 cards
------------
$189,639.75

Considering we started out at around $250,000 when I started this blog we've done well. We do also have around $23,000 left on our car loan.

All of our debt should be paid off in 6.5 years if we continue at this rate. If we sell our house, which may or may not happen any time soon, we could take a large chunk out of it. With the market the way it is I am not counting on it.

We are still living with my mother. She's taken a couple more falls so I really do not regret my decision to move into town and take care of her. She's still mostly self-sufficient, still has her mind, but she really needs someone to just be here for the bad times. I'm not sure we'll buy another house after the one we own right now sells until she's ready to go into assisted living or a nursing home and that's probably several years away. This house is huge and it just makes no sense to move away from her right now.

It's a good school district here. After two years of homeschooling I've got the kids enrolled in the public school system again. They are both thriving and getting good marks. My daughter is a freshman and well on her way to honor roll. Probably five A's and a B. They do weekly updates online and also every three weeks, so I can check it obsessively and make sure they aren't screwing her up.

Things are a little up in the air at DH's work. Contracts are up in December and they aren't being very forthcoming on whether his company is even going to get the subcontract from the main company this next year or not. We've had job security for 14.5 years and not having it anymore is a little unnerving. DH isn't as worried about it as I am. He's got feelers into several companies just in case and says he's gotten positive responses so hopefully if his company doesn't get the contract he'll simply be able to switch to the one that has it. It'll mean no medical insurance for a few months, but it'd be work and that's important with a debtload like ours.

I'd feel better if I could work. I'm pretty much disabled these days because of my knee and the pain I'm in all the time. I am working to strengthen it with swimming, but it's a slow road. The rest of me is getting fitter, but it's still very difficult to walk. Standing still is even harder. I can cook sitting down, but I don't think they'd let me do that in a restaurant.

I am doing what I can to cut back again. We were getting really lazy there for a while with eating out because it was hard for me to cook when I was in so much pain, but I've been teaching my daughter and between the two of us we are managing a lot more home-cooked meals.

Last night I made my special spaghetti sauce from 3 fresh roma tomatoes, 1 chopped onion, 2 tbsp minced garlic, 2 14.5 ounce cans tomato sauce, 2 6 ounce cans tomato paste, basil, oregano, thyme, salt and pepper to taste. Tomatoes and herbs came from the garden. The kids and I made parmesan breadsticks from scratch (dough made in the bread machine), and homemade spaghetti noodles in the pasta maker (had it for years, but have rarely used it). It was really good, better than a meal at The Olive Garden and cost about $8 altogether, as we all drank a glass of milk as well. It would have been about $50 for 3 of us if we'd gone out for that same meal.

Today I'll be making a beef potroast in the crockpot and microwave baked potatoes and green beans and tomorrow I'll be doing up a big pot of Texas style chili. There will be enough of that to freeze for several meals. I've got all the ingredients on hand and am focusing on cooking from the freezer and the pantry this month as much as possible. Chris comes home on Thursday and hopefully he'll be on board with this whole not eating out thing. He claims he likes my cooking best anyway, but we shall see.

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

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

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

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

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

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

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

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

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

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

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

First I had to find the swing before I could make the attempt to get back into the swing of things. I pulled my CU statement off the internet today and balanced my checkbook for the month of December, so that's a positive step in the pay attention to my finances category!

Tomorrow's big step will be sitting down with the bill box and paying bills. Okay, more than that because I've been paying bills all along, but getting that aspect of my life organized. I'm going to be getting this nifty organizer thing from Lillian Vernon for my birthday in February. It's a box that has slots for every day of the month that you organize your bills into and then a couple little drawers for miscellaneous bill paying items like envelopes or stamps or whatnot. Always have a hard time keeping track of my whatnots, after all! But it should come in quite handy.

I'm working on my 2008 Budget Spreadsheet, too. Now I know that medical has not gone up for the first year in forever and that car insurance has actually gone down ('bout time, DH hasn't had an accident since '94 and I've not had one since '88 when I was 18 and that was only a parallel parking mishap!), and they've finally gotten the clue we're safe drivers! Security system monitoring has gone up by a buck a month.

Lots of little things. Property taxes should go down a bit this year as a levy came off.

Tomorrow I'll be making a trip to Costco and getting gas. Don't think I'll buy anything else there, except produce if it looks good. I've got plenty of canned goods and meat in the freezer. Well, maybe eggs, milk, and cheese. And dishwasher tablets. I think I'll make a list before I go. Since things seem to be magically popping into my head at the moment.

Just wanted to say thanks again for the warm welcome back. It was lovely.

I got shanghied by another website

www.whofic.com called A Teaspoon and an Open Mind and have been off playing with them all week, since I had a cold and didn't want to think about reality. But reality is back and 20,263 words of fanfic later, and an empty spot in my head where a story used to be, I'm back to reality and blogging again.

Oh, I'll still play over there, but it won't be as time consuming. Anyone into Doctor Who and Firefly there is an amazing crossover story called Out of Joint. I usually don't like fanfic crossovers but this one is just done so amazingly well. Especially River and the Doctor, though there was a good bit between mechanic Kaylee and the Doctor's TARDIS. But I digress.

So, bills so far this week:

$1000.00 to medical debt
$1000.00 to Chase (last card)
$ 129.50 to BoA (leftover interest, but now its clear)
$ 9.58 to Citi (leftover interest, now clear)
$ 100.00 to the gas card
$ 200.00 to groceries and toiletries
--------
$2439.08

Otherwise its been a pretty low spend, low key week. We haven't done much since I was getting over the cold.

DH comes home tomorrow, finally. I haven't seen him in a month. There will be some spending as we are going out to eat at a nearby restaurant while we get a new car stereo installed.

I am starting to settle in to this new payraise DH has and I feel so much better about everything. Life has gotten a whole lot easier in the financial ring, but I really want to make sure we maintain our focus on getting out of debt and building up the EF. I am so close to $2000 and then after that I want to build it up to $2600 and that will be half a month's wages saved.

I haven't done much in the survey area this week. Too much time spent writing and reading instead. But I'm pretty close to cashing out again with Global Test Market for a $50 check. I think I need just 50 points to do so. So time to refocus and get on with it.

I've missed being around here and now I need to go and get caught up with you folks!

Today was a long day. I dropped the kids off at school a bit early today so I could take the car in to the dealership on time. They had estimated that the work would cost $679 but it cost $559, so I added that extra $120 to the EF, along with the GTM check and $2 I had in my purse. I'm coming up pretty fast on my goal of $1500 for the EF.

$1262.53 Old Balance
50.00 Survey Check
2.00 in ones
+ 120.00 car less than estimated
--------
$1434.53 New Balance

I can feel a real difference in how the car is driving now. It accelerates better and doesn't buck when it goes through the automatic gear changes. It makes it feel much smoother, like it used to be when we first got it. Definitely money well spent if we can keep it going for another year or two while we save up for a hybrid.

I'm glad to have this taken care of before winter hits. I really should have the other vehilce repaired before winter, too, but I'm not sure if we can swing that. I suppose I can take money from the EF if I have to, but I'm not sure I should for this. We just don't drive it that much with gas prices so high. And with Humberto and the Mexican gas explosions, it's only going to go up again.

So it is official, DH is working 28 days straight, then will come home for a week and then he may have to work an extra week again after that. But the two extra weeks are guaranteed now. So I won't see him until the 27th, when normally he would have been home today.

That will give us an extra $5250 net this month. I am planning on spending in this order:

$5250
- 700 car repair
-----
$4550
- 302 2 new twin mattresses for the kids
-----
$4248
- 400 new car music system
-----
$3848 to remaining credit card debt

I don't think it is going to cost $400 for the music system, though. The simple CD player/radio I want is around $100. I am allowing $300 for installation fee, but I don't think its anywhere near that. But whatever is left will go to the EF.

DH may very well get 2 or 3 more extra weeks between now and Christmas. There is a huge backlog of work due to the first guy quitting. So he is doing his own regular two weeks in the field engineer position and then in his extra weeks he is either training or helping with the backlog in his old position, but at his new rate of pay. Works for me. Especially if it means this card might be paid off by year's end and not with next years tax return. Sure would love that.

I took my car in to the dealership this morning for an oil change and for them to put it on their diagnostic machine to see why the engine light is coming on. It's been on for a year. Midas had put it on their machine a year ago and couldn't find anything so didn't charge for it.

I thought that maybe the machine at Ford would be better at diagnosing a Ford, so gave it another try. They found the problem. It is not a safety issue, but it will not be good for the engine if I let it go too much longer, especially if I want to keep the car running another two years. They used a lot of initials and said something about a whosit and a manifold thingie (yes, my knowledge of car bits is astronomical), and needing to order a part.

Anyway today's visit cost $135.12. I made an appointment for Friday to have the rest of the work done. It needed to wait until the next payday anyhow. The estimate is $679 and that includes tax. Well, we have an extra paycheck this cycle that was all supposed to go towards paying down debt. Now a big chunk of it will go towards fixing the car.

I am going to be positive about this, though. We have the money to do it, when we might have had to use a credit card a year ago. And even if we didn't have the money coming in I have over $1100 in my emergency fund. So we would have been able to cover the car cost with the EF without putting it on credit. And that is huge. Not having to use the EF is even bigger. It feels really good.

I'm doing pretty good for the month of September so far. That makes 3 no spend days.

I used the pre-paid cash card to buy gas today, but that was paid for last week so I don't count that. as spending. Filled up the tank for just under $40. Costco gas is still at $2.559 a gallon while everyone else but one ARCO is upwards of $2.799. I know Costco can buy wholesale and get a better deal, but that much better just seems suspicious to me. The other places have to be doing some gouging.

The wait in line for gas today was ridiculous, though. I didn't even go at a busy time. I suppose it was the after holiday fill up.

School went great for the kids today. I am always happy to hear that. They also did tae kwon do class today. Tuesdays aren't a normal class day for us but the dojang was closed yesterday so we made up that class today. Rose doesn't want to do tae kwon do on Tuesdays and Thursdays because she has 72 minute long P.E. classes those days. Can't say I blame her!

We came home to another crockpot beef roast, tender and delicous. Both kids were whining about wanting nuggets on the way home. Tough. I'm not taking them out to eat for a good while, and especially not when there is a meal waiting for them at home.

Tomorrow will be a spend day as I have a 1.5 hour physical therapy appointment. $75 for that. My hip is pretty much back to normal so this will most likely be my last visit. I'll see what the girl has to say, but I think she'll agree with me.

My appointment is at 10:30 and the school bus leaves at 8:46, which means I could get to Curves by 9:00, workout, and still get to my appointment on time. I think my hip is well enough now to do that. Though maybe I should wait until I see what the girl says about it. Oh, who knows?

Mom gave me 20 pounds of red potatoes from her garden so I'm going to have to start working those into meal plans along with all the green beans and blueberries. They are a very good tasting potato so it shouldn't be a problem.

Well, we've done it. We have transferred all of our Bank of America credit card balances and our Citi credit card onto the debt consolidation loan and they are now reading with a balance of zero. We have one credit card left with a balance on it and it is at 1.99% until October of 2008.

We are going to aggressively pay this credit card down now. DH and I decided we will not start saving seriously for a new car until after this card is gone. We think we can have it paid off by March or April if we throw everything at it as hard as we can.

As soon as it is paid off we will start saving for that car. We will be putting enough aside though to get our current primary vehicle in tip top shape so it will last another two years. And we will do some repairs to the Blazer and try to sell it. I don't know if anyone in their right mind would buy a vehicle that gets an average 16 mpg. It is a luxury version (and no we didn't buy it new) so its possible some dumb 16 year old out to buy his first vehicle might plunk down a few thousand for it cause its pretty and status-y.

Over all it is in decent shape, but the air conditioner needs to be refilled and the 4 wheel drive needs $200 in repairs and I think a new serpentine belt soon.

The only reason we bought a 4 wheel drive was to get out of the mountains when it snows bad, but we've come to the conclusion over the years that when it snows bad it is better to stay put until you absolutely must go out and by then the roads are plowed and the regular car is fine. So it really isn't needed.

I don't even remember why I ever thought it was so urgent to get out of the driveway and out of the mountains to begin with. I don't have an outside job and DH works in Alaska. There really is no real reason to leave during bad weather as we have a good store of food laid up especially in winter time.

Anyway, so if we can get two or three thousand for the Blazer and drop it from our insurance we can throw that money at the last credit card as well. And that is also where our income tax return will go.

It will be nice to get down to medical debt, mortgage, and debt consolidation loan.

I am starting a new little savings log for what I am calling my Safety Net. It is part of my EF, but it will be in an immediately accessible account, so no more drama having to wait 3 days for an ING transfer to go through if I mess up.

I am starting it off with $51.81 and keeping it in the GPCU account. I think for now I will aim for $250 in this account and maybe down the line double it.

For now I will add survey money from Lightspeed as it is set up to end up in that account through paypal anyway, plus rolled coin. Other survey money will continue to go to the main EF at ING.

The Lightspeed money showed up at paypal today so I am hoping it will show up at the CU by Friday. I also have some rolled coin that I can deposit that I was going to send to ING but hadn't done yet.

I spent $15 on gas today because I didn't make it over to Costco before it closed. I still have money on my cash card for gas, like $80 or something, so this was just a careless use of time expense. I'll fill it up on Friday.

Friday is Rose's birthday. I have already bought her one present, a Zelda game, Twilight Princess. And she will be getting her ears pierced and a set of nice earrings with stainless steel posts, but that will wait until DH comes home. I don't even want to be on the same block when she gets them done. That kid can wail when something hurts. Like an air raid siren. I kid you not.

We are taking her to a place that does both ears at the same time, though. And she's the one who wants to do it. Originally we were going to make her wait until she turned 12 but she's so responsible I think that she can handle the cleaning and stuff to avoid infection, without supervision, which was my main concern about her doing it when she was younger. So 11 it is.

She's already wanting to wear make-up but that's a no-go until junior high. Clear lipgloss and pretty nail polish is it until then. Okay, that kind of went off on a tangent.

Yesterday was payday. Bills paid were:

$820.00 to BoA Visa
$372.00 to Water/Sewer
$ 88.90 to Citi MC
$ 34.00 to Security system
$ 93.00 to Puget Sound Energy
$ 30.57 to Life Insurance
$ 60.00 to Medical
$100.00 to Gas Card
$ 76.83 to Costco groceries and toilitries
$105.89 to Haggen groceries
$ 72.00 to Cell phone

So quite a bit of money out yesterday. Water/sewer is 6 months. They've switched over to a new computer system and have their elbows up their noses when it comes to billing. Fortunately I've just been keeping the money in account until they got around to billing. It's supposed to be $104 every two months.

Next week will be a rather large payout as well, as propane goes out, garbage, medical and house mortgages go out, homeowner's association dues, car insurance and $200 to Comcast for hooking up the new digital phone, putting in a new cable system for the internet and moving an existing cable to a new location for the telly.

I'm still not a huge fan of having cable telly again. But I absolutely adore cable internet. Makes me happy. I also like having caller ID for the first time. It's not an extra with the new system, it comes standard. I ignore call waiting. I think its rude and always have and I will not use it. Well, unless its DH. That could be an emergency. So I would then. Just have to figure out how.

The PC went belly up this week. I'm not sure if I said that before or not. When DH comes home he will do some tinkering and if that doesn't work we will take it in to 3-D, the local computer fixer people and see if anything can be done. We'll at least retrieve the photos off the hard drive. Then we will be looking at saving up for a little Compaq desktop. Doesn't have to be anything grand or expensive.

Oh, gas prices have dropped again, here. I filled up at Costco yesterday at $2.99 a gallon. It didn't even cost $45 for just under 15 gallons. Last time it was $52! So that's nice. It's also nice to still have over $50 on the gas card.

I need to remember to call and make an appointment to have the steering fluid flushed in the car. It's in serious need and I will try to schedule for next Friday as I will be in town doing all the banking for next payday then. I have a couple more repairs to schedule as well. It seems it's always something, but I suppose when your car is 15 years old, you do what needs doing to keep it on the road. The repairs still aren't more than half a car payment averaged throughout the year, so I think we're still doing good there.

Not much else going on. Oh, I was able to watch Doctor Who Utopia today. Took a good bit of hunting to find a working download, but I finally did. It only aired on Friday in the UK. It'll start airing in the states on July 6. Not sure when the DVD will be out, but definitely not until after it finishes its run on Scifi channel. I'll need to start saving up for that, too.

I found out Torchwood starts airing on BBCAmerica in September. Not sure if SciFi will do the spinoff or not. Well, I've watched them all online anyway. No info on when the DVD of that comes out either, but it'll probably be just as pricey as DW, so I should probably just double the amount I'm putting away for DW.

I think that's about it then, for today. No money spent at all today.

Well, so far so good. I have managed to use up two boxes of fish, one filets and one sticks and one box of chicken nuggets from the freezer. They were all taking up a lot of space and were only partial boxes. Now lest you think my shopping habits have been really bad, these were all homemade versions of fast food items that were in big Tupperware freezer containers.

I have also managed to use up half a head of cabbage close to the edge and a head of lettuce rapidly approaching the point of no return. I didn't make it to the farm today to buy the strawberries but I will have to buy milk and bread tomorrow so will buy the flat of berries then. I think I have enough eggs to make it to next Friday as well without buying anymore from the farm.

Oh, wait, you know I am getting lazy again and forgetting. I am going to start a loaf of bread going in the bread machine tomorrow before I head to town. I don't need to buy bread, I have just gotten into that mindset again.

I will be helping my mother out a bit. She still has walking pnuemonia and needs me to go grocery shopping for her, otherwise I wouldn't be going to town. And since I will be in town I will gas up at Costco, pick up my refill on my thyroid medication, and purchase my monthly CD. No not that kind of CD, I wish! That would be my monthly music CD. Rose has put in a request for something by Rihanna, so I'll get the one with Unfaithful on it. That song is so pretty even if it is pretty sad. I think it has S.O.S on it, too, which is quite upbeat.

I don't care that much this month, but next month, July's purchase will be one I've been waiting for, the new Kelly Clarkson. Yes, I am hopelessly a pop junkie. But I watched her new single Never Again on youtube and she is just getting better and better. The trick is going to be waiting until July 1st when she comes out the last week of June. But my limit is one CD a month., so I'll do it. That's my piddly small allowance, but its what I want and does not take up a ton of room so that's okay.

I put nine gallons of gas in the car today at $3.19 a gallon. The last time we got gas it was at $3.32 so that is a welcome drop. I have $16 left on my gas cash card. I will probably have to add more next week.

So, I was supposed to have a dentist's appointment on Tuesday but they cancelled it. Only they didn't call to cancel it until after I'd already left for town. Ten dollars down the drain in gas. Never let them give you an appointment following a major spring holiday or long weekend. Apparently there are a lot of idiots out there who lose teeth on long weekends and must come in for emergency repairs. I wasn't happy but I made the best of it and did some grocery shopping since I was in town and without DH and the kids who tend to make the spending go up.

When I got home the cable people had finished and gone and we now have cable internet, TV again, and a digital phone with free long distance, all for the cost of the internet and digital phone. I like cable internet. I'm going to come down firmly on the side of saying that. 56K is becoming a fading memory.

Of course, I wasted a ton of time on Tuesday afternoon and evening and yesterday, finding places online to watch the first seven episodes plus the Christmas special of series 3 of Doctor Who, which doesn't start airing in America until July and hasn't even finished airing in the UK yet. That was fun. Also found the first episode of Torchwood, which is definitely not for children! Even if it is a Doctor Who spin-off. I am impatiently waiting for the next episode of DW to go up as it aired last week. My little obsession.

But hey, I wasn't out spending money. Anywho, today was my rescheduled dentist appointment was today. My jaw still aches. Top eight words I do not want to hear from my dentist. Go on now, take a guess. Okay, I'll tell you. "I think we can do this without anesthetic." Oh, really? Do I get an opinion on that?

Turns out I didn't need it, though so that is less money out. I had ground down the area around a couple of fillings and they had to build it up and sand and resurface and fix a small chip. But still, not words I ever like to hear. I don't like going to the dentist, it always makes me quite tense. And my jaw just aches from being open for two hours. But it could be worse. It could always be worse.

After the dentist I stopped at WalMart to get engine oil and some more Rubbermaid bins to put more stuff in to take to storage so spent about $40.

Tomorrow will be a spend day as well. We are getting the oil changed in the Crown Vic and then I will be seeing the P.T. for my shoulder, which got wrenched. Old injuries reasserting themselves. I dislike when that happens. But its not horrible and Ibuprofen cuts it down to bearable levels.

It has been wicked hot here this week. To make up for it, they claim it will rain all next week. I'm not against that at this point. But I'm not sure I believe it, either. I'd like some days were it just sits at 70 with a light breeze so I can get the yard and garden back in order. Here's hoping.

I sent the $10 weekly deposit off to ING today, making the amount in there a whopping $72.58. Well, slow and steady.

All right, I better go and fold the mountain of clean laundry I've been ignoring since coming home.

Well, today was payday and a lot of money went out today, but bills must be paid and life rolls on.

$1300.00 to Bank of America CC (they own my life)
$ 42.00 to 3 month newspaper subscription
$ 42.01 to phone bill
$ 64.54 to cell phone bill
$ 233.40 to Costco
$ 63.27 WalMart
$ 17.46 Haggen
---------
$1762.78 Total spent

$100 of the Costco money went on the cash card to use for buying gas so that is not really as horrible as it seems. I stocked up a lot of canned goods I am low on and cheeses, part of which I froze.

WalMart was relatively healthy snack foods for the kids, medicine, a reinforced set of garden gloves that will allow me to pull out the trailing sticker plant that is invading my yard from the neighbor's house (their motto: yard, what yard?) a small handheld ratchet pruner and the bigger one you need for pruning limbs on trees and one music CD I had planned for.

I usually get one music CD a month, if I get more in a month its because I lose my discipline and impulse buy more. I did that two months ago, so I am trying to keep a leash on it, even though there are two more CD's I want to get. They'll just have to wait their turns. Music has a relatively important place in my life, having learned to play violin, viola, flute, and piano in my lifetime and having sung in Concert Choir in high school. Music is just that important to me.

Another payday gone and another paycheck spent. Next week is mortgage and more CC payments. Lovely. Ah, well, life goes on.

I just about wanted to cry today when I realized that the $50 worth of gasoline I put into my car today only gave me 13.873 gallons of gas. There has never been a time in my life that a fifty dollar bill would not fill up my 18 gallon gas tank. And I'd usually get back at least $5 in change this last year. Until now.

I don't drink fancy (or any) coffee, at $3 to $7 a cup, so I guess I still get to complain about the price of gas. $3.59 per gallon. This has to stop. It is wreaking havoc on the budget. I have no idea at all how the minimum wagers are surviving right now. I hope they all live close to their jobs, because I don't think they could afford to drive to them anymore.

I absolutely hate doing this, but I have decided to double my gas budget. That means it will be $200 for each four week period. And with $50 not even filling the tank, that means I have 13 gallons to work with. Thank the good Lord that last week is the last of t-ball. That takes a gallon round trip to drive to each time.

If this keeps up, if it gets worse, I think it'll mean no soccer in the fall. Rose can still play basketball because it is only one mile from the house and we can ride our bikes in good weather even. But I don't see how we can just blithely drive 12 to 15 miles one way to 3 or 4 practices a week if both kids play and 25 miles on game days. It's just too much.

I had thought about letting them go back to the dance studio next year instead of sports and if I could get them in afterschool classes on the same day, I could combine it with a weekly trip to the chiropractor. One trip a week is still manageable for extra-curricular activities. But not much more.

Maybe I'm being a pessimist. Maybe gas prices will go back down. Hey! It wasn't that funny...Stop laughing at me.