I moved our stimulus payment to the Emergency Fund and also one of the accounts finally posted interest so I am adding that as well.
$4405.64 Balance Forward
+2400.65 Amount Added
$6806.29 New Balance
I am now over the one month of income mark in the EF by $257.05. To reach my mid-term goal of two month's income, I need to save an additional $6292.19. My short term goal is $7500 and I have to save $693.71 to reach that. The next short term goal will be $10K.
Of course, those are all goals, which we can only maintain if DH continues to work. So far he seems pretty safe, but that doesn't mean it will remain so. We are saving as much as we can starting with Friday's paycheck. If DH ends up getting furloughed at some point his employer will continue to pay their portion of medical for two months. But he is pretty vital to keep the company going, so as long as the company doesn't fail I think we will be okay. It really depends on how long this quarantine business lasts.
DH only had to work one week at 32 hours. They are allowing 40 hours this week. So this paycheck will have the hit on it, but that is okay. I've planned for that loss of income.
Viewing the 'Work' Category
I moved our stimulus payment to the Emergency Fund and also one of the accounts finally posted interest so I am adding that as well.
It has been snowing for the past 4 days and it has been bitter cold. Today is a little warmer, but we got down to 17 degrees F, which is darn cold for here. We've had the furnace at 75 just to feel like it is 68 at the far end of the house from the furnace. We are all wearing layers inside. I have on a long-sleeved shirt with a short sleeved shirt on over it and then a long sweater over that, heavy sweats and heavy socks. I just think about how much it would be if we hadn't had the insulation replaced under our part of the house last month. I wish we'd put plastic on the windows when I wanted to, but it got put off.
The gas bill will be high this month. Electric will be a little higher, too, because we are using the space heater in the rabbit shed to keep the water bottles from freezing. And I know my mom has been using her space heater, too. And we did have Christmas lights on for 3 weeks.
DH has been able to get out and go to work. We had about 8 to 10 inches of snow and they haven't done a great job about plowing the roads. But he is used to driving in the snow due to all the years of working in Alaska. DH has been authorized to do 10 hours of overtime a week for next week and the week after that. He could have some this week, but he has a cold and isn't sure he is up for it. He's barely managing to get in his 8 hours a day at the moment. Hopefully next week he will be better and he can take full advantage of it.
The extra money would come in handy because I would like to get an electric grain mill and the one I am looking at costs $263 if I want the attachment for small grains like millet, and I do. It's a big upfront investment, but it is a whole lot cheaper to buy rice and grind it into flour than to continue to buy rice flour at high prices. Even with a bulk source it still isn't anywhere as cheap as just buying the different rices to make sweet rice flour, white rice flour, and brown rice flour, so it will eventually pay for itself. Pretty quickly, too, within the year. And as far as I can tell millet only comes in grain form, not flour form so if I want millet flour I have to grind it myself. Sorghum flour I will still have to buy in bulk unless I can find a source of the grain itself, but I can deal with that.
Also both the husband the son need new belts and the son needs new farm boots. There should be some overtime money after that to throw at the mom loan or at the EF. I haven't decided quite yet. Of course, I won't count on it until he's worked it, but tentatively that's the plan.
On my weight loss goal I have lost 5.4 pounds since starting to eat right again. Today is day 4. I am tracking my calories and food with my fitbit. I am doing about 20 minutes of exercise a day. I will be working up to 30. I lost all of my stamina when I was in bed for 3 weeks and have been working at getting it back for the last week. They are careful exercises from my physical therapy time, ones that work with my rheumatoid arthritis and not against it.
DH said the IRA went over $10K today, so that was a nice milestone that happened. I have been anxiously awaiting that moment so I am glad it finally got here.
I've been kind of lazy about planning my meals out this week. Mostly I've just been taking meat out of the freezer to thaw in the fridge and then deciding what I am going to cook based on what has thawed out and then figuring out what is going to go with it. I usually like to plan better than that, but I'm still not up to snuff after being so sick for so long. I guess whatever gets homemade food on the table instead of takeout works, right?
Tonight I made meatloaf for dinner and roasted potatoes, bell peppers, and onions, with a bag of steamed broccoli on the side. It was my first time using gluten free bread crumbs. I didn't notice any difference in flavor at all, so that is nice. It didn't quite hold together as well as usual, but that might be down to the fact I only used 3 eggs instead of 4 and had an extra pound of meat in the mix, so I probably should have actually used five eggs for a five pound meatloaf (leftovers for lunches). Everything tasted great, though, even if it was a little messy to eat.
Well, I think that about wraps it up for today. If you all could pray for me that I start sleeping better, I'd appreciate it. Too many restless nights are running me down.
So I started the month at 44,270 words on my novel. The goal this month is to write 50,000 words and hopefully finish or come close to finishing this book. I got off to a slow start but am picking up speed. I did do some plotting and figuring out that I needed to insert a scene to make something make more sense and add a few sentences here and there for an additional character who hadn't been in an early scene. So that took a lot of skimming around the first day and I wrote it the second. The second day was a bad rheumatoid day, but after that I am doing mostly fine.
Word counts so far:
11/1 = 0
11/2 = 266
11/3 = 2037
11/4 = 1624
I am behind schedule by 2745 words, but I think I will be able to catch up, maybe even tonight, but definitely between now and the 7nth, while staying on track daily. I did a one hour writing sprint today already, I think I probably have another one in me. If so I will update the list.
Total word count so far is 3923 and I need to be at 6668. I can catch up now that I am in the flow again, although I will probably have to ice my hands tonight.
Yesterday and today were rough days physically. I had my last physical therapy session yesterday and they really put me through the ringer. They had me fill out a form at the end which was the same form and I filled out in the beginning and then compared them and the changes have been dramatic.
Things I didn't even realize had changed, like being able to pick up a grocery bag from the floor instead of having to have it put on the counter for me or standing at the sink for fifteen minutes, that kind of thing. A lot of other things have gotten easier, too. My core strength, my leg strength, my range of motion. I am walking further distances unaided. Not to say that I don't use my cane at all, I do on a particularly bad day, but for the majority of the time, I haven't had to in weeks.
I'm pretty sore today, but I also took my shot yesterday which tends to exhaust me, so I just stayed in bed for most of the day and spent some time writing.
I have set a goal to try to finish the first draft of my novel in November. I've never done NaNoWriMo before because for the last several Novembers things went to heck in a handbasket. This is the first time I don't think it is going to. I don't know if I will do it officially or unofficially. I mean, there is all the stuff with my daughter's liver, but the appointments for that will be limited and then if we have to stay a few days after surgery that is a ton of writing time for me that will be pretty much uninterrupted. But mostly I am just back in the mood to work on it again.
I am halfway through seventeen chapters and 44,270 words in and I am aiming for 100,000 to 115,000, so under halfway. The goal in NaNo is 50,000 in 30 days or 1666.67 words per day. I tend to write 4000 to 5000 every other day when I am motivated. I usually need a day off in between due to my hands not being able to handle that kind of typing daily. Maybe I won't finish, but I will get a lot closer to the end and if I finish in December I will be happy.
Then I will edit the second half (the first half has been edited a lot already) and then set it aside for a few months before reading through it again, editing again, and then have a couple of beta readers go over it before figuring out the next step. I don't know if I will try the traditional publishing route or just get an editor to go through it and help me improve it and then self-publish. I am investigating both ways.
Then there is the issue of I think what I have written might really be the second book in a trilogy and not the first, so I might have to figure out if that is true or not and write the first one before deciding on publishing.
I also have to decide if this is a YA novel or not. I don't want it to be, but many of the characters are under 18. More of the characters are adults and have as big of a role as the children, though, but it does revolve around the teens and kids and their power as they grow up. But in the sequel most of them will be adults. Ah, it's a boggle. I'll just have to finish it first, and go from there.
I should have posted this the other day, but I have been dragging and the extent of my online activity has been on the level of watching videos of a cat singing the Game of Thrones theme song on youtube or the like. Yeah, that's where my intellectual capacity has been at. So not a lot of brain power going on.
Anyway, the raise for DH is official and all of the paperwork has now been signed. It won't be on the next paycheck, but will be on the last one of March. He's officially told the other place he won't be working for them.
On the bad side, the alternator is going out in the truck so we are going to have to get that fixed to the tune of around $600. I have $250 in the car maintenance fund. They had said it was going at the oil change DH had last week and today when DH pulled in the driveway it was really straining. Hopefully we can get it to the dealership without having to call a tow truck.
They made it sound like it would probably last six months, but we don't think so after today. It also needs the air filter, the cabin filter, the spark plugs, and the brake fluid replaced and we have decided to do all of that. So we will dip into the EF for this for the rest of the money. I had been planning to use the tax refund when it came, but I don't think it will be here in time now. But we will reimburse the EF when the tax refund comes. Sadly, it will probably use up the entire tax refund. But at least we will break even.
I will start saving $100 a month instead of $50 a month to the car maintenance fund for the next two months, just to build that back up again. Or maybe keep it at that level. The truck is a 2007 and there may be some other issues coming up. A belt or a fuel pump or something, though as of now those things are fine according to the mechanic.
I worry less about the van. It is a 2011 and we haven't hit 45,000 miles on it yet, but it will be needing an oil change shortly and I would like to eventually get the dent pulled out that DH put in it a couple years ago.
The reimbursement check for DH's jaunt to the other office finally came through today. It was supposed to only take one week. It took over two. The bill is due in two days. I have not been happy with this and told him in no uncertain terms that if they send him off like that again, there is no way he is using our credit card for it.
They have company credit cards for exactly this sort of thing. I don't care how much easier it was to use ours, if they want him to go again, they give him one of theirs. They would have if it hadn't been so last minute and they still could have, it would have just been more effort on their part. DH has agreed.
DH's raise has been approved as of his last text message to me, but he is still waiting on the paperwork to sign. I told him to double check before he signs anything that it is the amount it is supposed to be and not some lesser amount. While this job has given us no reason to doubt them, there have been other companies that have pulled fast ones and said one thing but the paperwork did not match. Not on wages, but on length of contract. I trust no one in these situations until it is in writing.
I hope it gets signed soon. I don't want this to remain unsettled. He does need to give the other place a decent amount of time to try to find someone else, being as the job was supposed to start in 4 weeks. We don't want him to burn bridges by waiting until the last minute. Even if the way he was initially treated by that company was very sketchy, it was one employee, and they turned out to be a decent employer for the short time he was with them.