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Won Round 4 Dietbet! etc

May 20th, 2017 at 11:37 am

Well the one bright spot right now is that I have one 4 of 4 rounds of Dietbet - winnings are about $90 so far. I just need $25 more to recoup my initial bet, then the rest is gravy. Smile I have lost about 26lbs from my initial weigh in. Nobody seems to have noticed yet, but I can tell a difference in how my clothes fit.

For larger people like me, it seems like it takes a loss of more like 50 lbs or more for anyone to venture to guess ... are you losing weight?

Work ... ugh. Ugh ugh ugh. I don't know if interviewing is really a good thing or not ... it gives me hope of getting out of there for something better .. so I start getting irritated even more by stupid things.

I thought I was to hear back about the job by yesterday. The fact that I haven't makes me feel like its probably a no. Frown I hope I at least get the courtesy of an email.

---
DH found a leaf blower he wanted on the Sears website Thursday. So on our way to dinner we stopped by. The in store price was more. I couldn't pull up the online price on my phone. DH was really irritated and didn't want to bother talking to anyone.

Friday I found the offer he'd found and took screenshots and printed them out. Then after work and making the bank deposit I stopped at Sears. I told a sales person what I was looking for and asked him if he could honor the online price. He cheerfully said he could - then thanked me for being pleasant. He'd apparently had a lot of unhappy people to deal with that day.

I told him I could relate ...

So .. the leaf blower in store price was $59.95. Online price was $47.95. I had $7.03 in Shop Your Way points - walked out with it for just under $43.

My DH was quite happy when he came out to the kitchen on his way to work to see I'd gotten it. Smile

---
I did call my mom for Mother's Day. It went fairly well. I bit my tongue hard when she told me she and paramour had both sold their cars and bought one new one. I badly wanted to ask if her name was on the title ... If she does ever decide to leave this guy *for real* she's kind of painted herself into a corner. Sigh. She's an adult.

--
I started a new money making website - Earnably. Pretty good so far.

--
Almost forgot! On Wednesday DH and I bought a ladder from Menards. DH started cleaning our gutters by standing on the third rung of the ladder and moving the ladder constantly. After about twenty minutes of me watching him do this, I offered to get up on the roof and finish the job.

Ii have no fear of heights, while DH does. It was my first time on a roof - and it was a little nerve wracking. But I got used to it quickly. Smile It was actually quite fun ... until I had to get OFF the roof.

DH held the ladder tightly for me and talked me down. Whew! Now our gutters are clean!

Sunny's Home!!!!!!!

May 13th, 2017 at 07:17 pm

When I got home tonight from grocery shopping I thought I heard two cats snarling at each other. I checked around the yard and called Sunny, but no response. So I went inside and put groceries away and cleaned the litter boxes.

I was about to head down to the laundry room when I noticed Buddy (big orange tabby) looking out the window with his tail bushed. I looked out the window and saw the Pepe look alike stray staring at something in our garden.

I went outside and slowly approached it, talking to it. It ran off before I got to near it. Without really expecting anything, I started calling Sunny again.

I got an answering meow! At first I couldn't figure out where it was coming from, but then I saw her just behind a bush. I walked slowly towards her talking all the time. She sort of ran from me at first, but let me pick her up.

She also kind of struggled as I carried her inside. She was definitely hungry and thirsty! The other cats are sniffing her with lots of curiosity. Which she isn't liking too much....

Other than having lost a little weight, she doesn't appear injured at all.

I honestly had little hope of her returning - and had even said as much as I walked in the door with the groceries. I'm glad I was wrong!!

Interview and Lost Cat!

May 12th, 2017 at 07:45 pm

Thanks everyone for your well wishes. I think I did fairly well. I definitely was in a better frame of mind than my last interview.

If I'm offered the job, I think I might take it ...
It sounds like I'd be busier, have more computer related projects ... and can wear jeans everyday! Smile Not to mention a bit over $2/hr raise and it's slightly closer to home.

I should know by Thursday or Friday.

-----So I got home early on Thursday ... DH wanted to go buy a lawnmower off Craigslist. We did that, and then got home and I raked leaves out of the bushes/side areas and DH started mowing / mulching. Unfortunately I didn't realize that along with the leaves, I was getting rocks.

We now need to replace the glass in our front storm door. Oops.

----
This morning I went to feed the cats and realized one was missing! The best we can figure is that she (Sunny) got out around midnight when DH went out to his truck for something.

We spent close to 45 minutes this am searching, and I spent another 90 minutes this evening looking. We posted on Craigslist, Nextdoor and Facebook. I also contacted the Humane society.

Sunny is one of the two elderly cats with bathroom issues. Still, she is one of the sweetest, most precious cats. I am so sad. Frown

We also put one of the litterboxes outside. This is supposed to help them smell home from a mile away.

Here's our Sunny girl:


Interview tomorrow!

May 10th, 2017 at 07:30 pm

I got a haircut and a mani/pedi yesterday. Today I wrote out my 3 paragraphs about why I want to work there (which I was asked to do) and DH proofed it for me. Smile Then DH let me use him as a practice board for questions until he had to leave for work.

I'm slightly anxious, but overall feel much more prepared and in a better frame of mind than the library job interview.

---
It all of a sudden got hot here! The last two nights were miserable for sleeping... Tonight it has cooled down enough to be comfortable thankfully.

The little fan I used last year is pretty much worthless, so I will be getting a box fan soon. Maybe tomorrow.

---
I paid my auto and the home insurance today - $1110. That'll be some nice cash back. Smile

Some recent snowflakes (this week) -
$50 AGC from Koinme
$50 Paypal from Swagbucks
$25 AGC from earnhoney

I had meant to do paypal for Earnhoney, but I guess I wasn't paying close enough attention. OOps.

I have enough in my phone fund to get my new main phone (iPhone SE) but I may wait a few more weeks to order it.

I've been watching Cable Girls on Netflix - just finished episode 8 last night. Definitely different (and not for youngsters)

---
I'm not looking forward to calling my mom on Sunday. I haven't talked to her since New Year's. At that time she decided to go back to the man who'd shown over and over and over he couldn't be counted on. I told her she was an adult and had to make her own decisions, however I wanted nothing to do with him nor his money.(She'd constantly bring up that he was going to leave my brother and I a significant amount - though BOTH of us repeatedly told her we didn't care about her leaving us money!) Somehow I think she's taken that to mean I don't want anything to do with her.

Honestly, I'm not sure what would be safe to talk about. Trump? Nope. The man? Nope. My recent trip that she knows nothing about? Nope. Hmmm.... I can't not call her. Ugh. I guess I have to play an adult.

So ... not much else really.

Long Day - Conversation at Work

May 1st, 2017 at 07:08 pm

So.... today I had a talk with my supervisor - after asking for the 11th pm off.

Long and short - I told her I am looking for another job. That it has nothing to do with her - but mostly my getting stressed out by the cash aspect. I also told her I was worried about the longevity of my position for a number of reasons.

In a nutshell, she reassured me that the cash aspect is not something to be so stressed about (be careful, but not fearful), and that my position isn't going anywhere.

I'm still going to interview for the job, but mainly for the experience (and I don't know who to contact to cancel.) If I get offered the job, I will think about it, but I'm leaning towards staying put.

I'm glad I told her, even if it was really hard.

---
I got a $25 AGC from Perk today. I also did a Schwan's offer for 4000 SBs which instantly credited (spent $27.40 after 30% coupon.)

I stopped at Dollar Tree and stocked up on frozen fruit, etc. Then got some bananas from HyVee. About $10 altogether.

--
Are there really people who don't know Hitler killed 6 million Jews in WW2??? A co-worker today made a comment expressing shock at that number (reading something in the newspaper.) I kind of thought that was basic high school history ...

I'm back try 2

April 30th, 2017 at 03:29 pm

We got back from our trip Thursday night. Overall, it was a good trip. It was the most time DH and I have ever spent together continuously .... 7 days of 24/7 togetherness.

Our first hotel was in Silverthorne, Colorado. Up til about 8 pm travel was good ... then after stopping for dinner at Beaux Jo's pizza, the snow + darkness + winding mountain roads started. I'm thankful DH was driving.

We discovered that my headlights are foggy and probably need to be replaced. Not a good discovery to be made on a road trip.

Our next stop was in Utah, near Zion Forrest. We ate at a Chinese buffet that had egg foo young!!

The next morning we spent a few hours at Zion - free admission due to Earth Day!

Then on to Las Vegas where we ate at a buffet that had eggplant parm AND tons of sweets ....

Finally we arrived in Loma Linda. Grandma and my uncle were happy to see us. Smile We got to our hotel, and at first were happy ... but then realized the wifi didn't work. Which ... one night would be doable, 4 night not so much. But even worse ... it had a double bed and a sofa sleeper. No way DH and I could both sleep on a double bed. So I ended up on the sofa (DH's feet hung way over the edge.) It was a *miserable* night.

I hated to complain ... but no way was I going to make it on little sleep for 4 nights ...

We were moved to a Best Western. Best hotel ever (other than Branson.) Great room, great wifi ... but the best was the breakfast! Make your own Belgian waffles --- with chocolate chips to add .. and little Nutella packets!! DH liked the eggs/potatoes/meats they had too.

My brother didn't make it down ... said he was sick.

On Sunday my Uncle gave us a driving tour of the San Bernadino valley. DH got to pick oranges and grapefruit from a coup;e of groves. He got a kick out of that. Smile

On Monday we went to Santa Monica pier. DH fished off the pier for a little while - he didn't catch anything, but did spot a sea lion! We ate at PF Chang's - I was the only one who seemed to like it. We spent a good five hours in traffic ....

On Tuesday we went to Lake Arrowhead and ate at a Mexican restaurant on the edge of a cliff.

We left about 6:30 Wednesday morning, and drove all the way to Grand Junction, CO. We made sure to get there during daylight.

Thursday we left about 6:50, and by 7:30 encountered rain, then sleet and then snow. We were out of it by around 11 .... Definitely slowed us down a bit. We got home around 8 pm.

Friday I got one of my tires fixed that had gotten a nail on our trip. It was nice to be back in my own bed with the cats ...

I've got the budget all updated. We spent approximately $540 between gas, hotels, food, etc. Not bad for a 7 day trip.

--
I have an interview on May 11 for one of the two jobs I applied for!!

Why are you wanting to leave your job? I hate the money aspect - handling cash. I'm also really tired of dealing with people on the phone ... --- Not a good answer, but the truth.

Have you had any conflict with coworkers - how did you handle it? Yes - one lady I helped with projects was a major perfectionist who couldn't tell you what she wanted in a simple, straight forward manner ... I got majorly stressed out dealing with her, and my supervisor and I had a meeting with her. Nobody liked her. She's gone now.

Again, not a good answer, but the truth.

What are your goals in five years? Umm, have a job? - What I usually say ... I hope to continually improve myself as a person and as an employee.

Why do you want this job? It's a good pay raise, and looks like a lot more fun than my current job - lots of computer related work and NO cash handling ... (I actually have to come up with two - three paragraphs for this question...)

What has been your greatest professional disappointment? (was totally stumped on this one .. finally came back with ... Not being able to foster a good collaborative community at the school I was a librarian at. I was able to get one or two teachers on board, but there was such a turnaround each year that I wasn't able to grow it.)

----
DH was looking into tiling costs for the cat room - remove carpet and add tile - he's figured bare min of $5k for the area. Gulp. We need to come up with some other option (less $$) - easy to clean, and won't soak up cat messes... The carpet isn't doing so well.

We plan on removing the carpet in the office and bedroom - hardwood floors under carpet, and tiling the bathroom (currently carpeted.) Hoping these moves will help the smell. (Getting rid of cats is NOT an option.)

If I get this other job, I plan on putting some of it towards a once a month housecleaner ..

Or .. if I *don't* get this job, I'm looking at a teaching Chinese children English online job .. do 8 - 10 hours a week for $18 - 22 +bonuses an hour. And use some of that to pay for a housecleaner.

---
I did gain about 4 lbs on this trip. I have until May 17 to lose those 4 lbs, plus 2 more to win round 4. I think I can do it. If not, then I'll be on my way to round 5. Smile

I just need to go back to my stricter diet plan (ate LOTS of junkfood this trip .. plus not much movement.)

Not found?

April 30th, 2017 at 02:51 pm

Um .. I can open older entries, and other people's blog entries, but not my most recent entry. Is it just me?

I'm back! Trip Job etc

April 30th, 2017 at 01:31 pm

We got back from our trip Thursday night. Overall, it was a good trip. It was the most time DH and I have ever spent together continuously .... 7 days of 24/7 togetherness.

Our first hotel was in Silverthorne, Colorado. Up til about 8 pm travel was good ... then after stopping for dinner at Beaux Jo's pizza, the snow + darkness + winding mountain roads started. I'm thankful DH was driving.

We discovered that my headlights are foggy and probably need to be replaced. Not a good discovery to be made on a road trip.

Our next stop was in Utah, near Zion Forrest. We ate at a Chinese buffet that had egg foo young!!

The next morning we spent a few hours at Zion - free admission due to Earth Day!

Then on to Las Vegas where we ate at a buffet that had eggplant parm AND tons of sweets ....

Finally we arrived in Loma Linda. Grandma and my uncle were happy to see us. Smile We got to our hotel, and at first were happy ... but then realized the wifi didn't work. Which ... one night would be doable, 4 night not so much. But even worse ... it had a double bed and a sofa sleeper. No way DH and I could both sleep on a double bed. So I ended up on the sofa (DH's feet hung way over the edge.) It was a *miserable* night.

I hated to complain ... but no way was I going to make it on little sleep for 4 nights ...

We were moved to a Best Western. Best hotel ever (other than Branson.) Great room, great wifi ... but the best was the breakfast! Make your own Belgian waffles --- with chocolate chips to add .. and little Nutella packets!! DH liked the eggs/potatoes/meats they had too.

My brother didn't make it down ... said he was sick.

On Sunday my Uncle gave us a driving tour of the San Bernadino valley. DH got to pick oranges and grapefruit from a coup;e of groves. He got a kick out of that. Smile

On Monday we went to Santa Monica pier. DH fished off the pier for a little while - he didn't catch anything, but did spot a sea lion! We ate at PF Chang's - I was the only one who seemed to like it. We spent a good five hours in traffic ....

On Tuesday we went to Lake Arrowhead and ate at a Mexican restaurant on the edge of a cliff.

We left about 6:30 Wednesday morning, and drove all the way to Grand Junction, CO. We made sure to get there during daylight.

Thursday we left about 6:50, and by 7:30 encountered rain, then sleet and then snow. We were out of it by around 11 .... Definitely slowed us down a bit. We got home around 8 pm.

Friday I got one of my tires fixed that had gotten a nail on our trip. It was nice to be back in my own bed with the cats ...

I've got the budget all updated. We spent approximately $540 between gas, hotels, food, etc. Not bad for a 7 day trip.

--
I have an interview on May 11 for one of the two jobs I applied for!!

Why are you wanting to leave your job? I hate the money aspect - handling cash. I'm also really tired of dealing with people on the phone ... --- Not a good answer, but the truth.

Have you had any conflict with coworkers - how did you handle it? Yes - one lady I helped with projects was a major perfectionist who couldn't tell you what she wanted in a simple, straight forward manner ... I got majorly stressed out dealing with her, and my supervisor and I had a meeting with her. Nobody liked her. She's gone now.

Again, not a good answer, but the truth.

What are your goals in five years? Umm, have a job? - What I usually say ... I hope to continually improve myself as a person and as an employee.

Why do you want this job? It's a good pay raise, and looks like a lot more fun than my current job - lots of computer related work and NO cash handling ... (I actually have to come up with two - three paragraphs for this question...)

What has been your greatest professional disappointment? (was totally stumped on this one .. finally came back with ... Not being able to foster a good collaborative community at the school I was a librarian at. I was able to get one or two teachers on board, but there was such a turnaround each year that I wasn't able to grow it.)

----
DH was looking into tiling costs for the cat room - remove carpet and add tile - he's figured bare min of $5k for the area. Gulp. We need to come up with some other option (less $$) - easy to clean, and won't soak up cat messes... The carpet isn't doing so well.

We plan on removing the carpet in the office and bedroom - hardwood floors under carpet, and tiling the bathroom (currently carpeted.) Hoping these moves will help the smell. (Getting rid of cats is NOT an option.)

If I get this other job, I plan on putting some of it towards a once a month housecleaner ..

Or .. if I *don't* get this job, I'm looking at a teaching Chinese children English online job .. do 8 - 10 hours a week for $18 - 22 +bonuses an hour. And use some of that to pay for a housecleaner.

---
I did gain about 4 lbs on this trip. I have until May 17 to lose those 4 lbs, plus 2 more to win round 4. I think I can do it. If not, then I'll be on my way to round 5. Smile

I just need to go back to my stricter diet plan (ate LOTS of junkfood this trip .. plus not much movement.)

Updates

April 17th, 2017 at 07:55 pm

*Won round 3 of Dietbet - will find out payout Wednesday

* DH *finally* has a truck. We drove to Topeka, KS on Sunday and bought a 1996 Nisssan truck with 179k miles for $1150. It runs well, and the body is in semi decent shape.

*While on our way back, I came this ** close to hitting a 5 year old little boy who ran out in front of my car from two parked cars at a gas station. I was very wide awake and shaking the next 90 minutes of the drive home.

*We may be taking the truck to CA - and while there we may be bringing back the family piano. It's always been slated as mine, but I haven't had anywhere to put it or anyway to get it. Now I have both - possibly.

*I'm LOVING my new computer. (well, mostly ... when I first set up the Internet on it I set it up on WiFi - that was excruciatingly slow. Now I have it hardwired in to my router, but haven't been able to figure out how to change the configuration.)

* I put in TWO applications for other jobs that have nothing to do with cash = and are with the city. And would be nice pay raises.

*The last few weeks I have been binge watching "Reign" on Netflix .... Finally finished the last episode Sunday morning.

*We leave for our California trip Thursday morning. Our first stop will be Denver, CO area where we'll be eating at a pizza place DH fondly remembers - BeauxJo's (sp?). Then our next stop will be near Zion Forrest in Utah, where we'll spend some time exploring. Then a buffet DH found near Las Vegas, and finally our final destination - Loma Linda.

DH wants to do some pier fishing on the ocean, and perhaps a boat fishing trip. Also wants to visit some aquarium he found there. My main reason for the trip is to visit family ... so I don't really care WHAT we do. Smile

*It turns out this wasn't a really good time for me to leave for a week and a half at work ... It's actually starting to get busy. Oh well ... I desperately need 7 days away from it all.

*I had two $15 off $15 Lane Bryant coupons sent in the mail. I used one to buy a t-shirt, and one to buy 3 pairs of socks. The t-shirt cost $5 after coupon, and the socks cost $8 after coupon. Hopefully the socks will be better quality than a 9 pack from Walmart for about the same price. Smile

While at the mall, I got a few deals from JC Penny's - 2 sweaters and a turtleneck for $13. For next winter. Smile

What I really was hoping to find was jeans or dress pants. Sigh.

Okay, that's about it I think. When I get back from the trip I'm really going to try to be better about posting (and reading)

New Computer and YouGov

April 2nd, 2017 at 10:34 am

My new computer arrived on Wednesday, but I didn't set it up until Saturday night. Windows 10 definitely takes some getting used to (at least its not Windows 8!)

My old computer is still working, so I'm using it to run videos on while surfing on my new computer. Smile It can connect via WiFi to my modem, but I think I'll be getting another Ethernet cord to connect directly.

I upgraded my monitor and keyboard - already can tell the new keyboard is loads better than the old one. Smile My monitor is a 23" - watched The Secret Life of Pets on it last night. Sweet!

---
Last night I used one of the two $25 gift certificates I got for transferring two prescriptions to a local grocery store. Spent an additional $14.

I also went to Aldi. I was a little frustrated because two of the four main things I went there for, they were out of - Almond Milk and the frozen 85% beef patties (for DH.)

We overspent on Groceries in March by $17. In January and February we came in ~$80 under both months, so maybe our overage was due to some restocking.

---
We are in full planning mode for our road trip! We plan on stopping in Colorado Springs for Pike's Peak, Denver for some Pizza place, Las Vegas for a buffet, and some forest in Utah. Then finally arrive to the Los Angeles area to celebrate our one year anniversary with my grandma, aunt, uncle and brother!

I am SO looking forward to the time off! If I could find another job here with comparable salary and benefits ... I'd jump so fast... something that had NO cash dealing.

----
I *think* I may make it for Round 3 of Dietbet. I'm about two pounds off and 13 days away.

I'm kind of enjoying my break from Stepbet, but will definitely join one again after the trip. It really is a good motivator to get the steps in!

---
I received my $40 check from Inbox Dollars yesterday. I'm already closing in on $7 towards my next check. Smile

This morning I did the last survey I needed to do for YouGov to cash out for a $100 Amazon card. I also have enough to cash out for a $25 Perk AGC.

Too bad I didn't wait a few weeks for these to put towards my computer. Smile I'm sure the $ will come in handy for something else. Wish I could order thru Amazon from Apple - then could use it for my phone.

---
I forgot to mention this - but I paid off the last of DH's medical debt in February!

Moving!

April 1st, 2017 at 08:47 am

About a week ago I was contacted by a school in the southern part of Nebraska who was looking for a school librarian. They told I was recommended by a lady in my church here.

It would be more than double my current income, plus paid for health/dental/vision insurance. Our moving expenses would also reimbursed 100%.

The position is working with pre-k - 3rd grade students. The media center has a brand new computer lab and an iPad program. The library section has funding to be completely redone - I'd get to design the ideal library essentially (within budget.)

I've had three Skype conversations with various people there this week ... and basically ll that's left is for us to go out there and decide if we want to do this!

DH and I have been looking at properties in the area, and found several just out of town with 4 - 5 acres for less than what we paid for our current home.

DH is excited about doing his chickens and turtles and eBay stuff full time. For me, this job couldn't be more perfect!

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April Fools!

(wishful thinking)

Egged! Surprise Gift Card

March 25th, 2017 at 04:26 pm

A few months ago my DH noticed that someone had thrown an egg at our house. We weren't sure how ong it had been there, so we guessed maybe it was some kid upset that we hadn't done anything for Halloween. (though our lights weren't on,and either of us were home.)

But this afternoon I was sitting in the office by my computer when I heard a very loud noise. ll the cas turned towards the window. I got up to look to see if I could find out what had made that noise. It sounded like an explosion.

Someone had egged our house again!

When DH got up I told him about it, and he decided to look around to see any other mischief. He found a third egg on the same wall - dried.

Apparently some kid is using our house for target practice.

A few days ago I noticed tissues all over the yard. I picked up all of them. Glad I did since i rained today! I also found a ruined smartphone and a good bit of other trash. I just don't walk in the yard much I guess.

I guess this is what you expect living ac from a middle school?

---
After church today I dropped off two prescriptions at a local grocery store to get $50 in gift cards for transferring.

As I walked out, a young man asked me if I'd do a survey for a research paper he was writing - for a $10 gift card. So I did the survey (on GMO) and got a gift card!

Now I have $60 in gift cards for this store. Good thing too, since we've overspent the grocery budget already!

Snowflakes and Shocking Death

March 24th, 2017 at 07:10 pm

I thought I'd mention a few of the things I'm doing for my spending money. Some are things most of you do already, but some may be new.

Swagbucks - cashed out for a $25 AGC today, have 1800 left

Inbox Dollars - cashed out for $40.xx today (mostly running video app)

Mypoints - I have enough for a $25 paypal, plus close to a second one

Perktv - 13k points (need 24,400 to get $25 AC)

Survey Sites that don't disqualify you:
Pinecone - cashed out $23 a week ago

YouGov - within two surveys of cashing out for my 2nd $100 AGC (referral link in sidebar)

Passive computer video sites:
Earnhoney - earned $23 in last 3 weeks
---kind of a frustrating site -might be better with a newer computer

Koinme - for next 6 days as $5 signup bonus - earned $16 in less than two weeks (if interested, I can give some pointers, my referral code is: http://koinme.com/af-MUiZwD6Ssh We both get $5.)

Passive mobile only video apps:
Youlotto - earned $5.38 in two weeks

Checkpoints - almost enough for a $10 AGC

Just remembered two more!

IQ - an app that sends you questions to answer and pays immo. Mad 2.25 so far.

Oops, forgot the other one. Smile
Hmmm.. I think thats it other than health apps/bets

------
DH found out on Tuesday that a coworker - 40 yo father of two - had died that morning. I'd met this person once - he was one of the few DH got along with/liked to talk to. There'll be a service tomorrow afternoon.

He either died of a stroke, heart attack or diabetic coma. He didn't take very good care of himself.

He was so young - such a preventable death. Frown

--
We got our renewal papers for home insurance -$718.I think that' close to what we paid before. It's not due til May - so maybe I could chance signing up for another rewards card ... put this and property tax on it .... Hmmm...

I should be getting my car insurance renewal soon too I think.

---
I read a really good Nicholas Sparks book this week - Two by Two. Highly recommend it.

---
My diet isn't going so well.. At least I have a few weeks before the next weigh in. (I won $24 in round 2.)

I'm thinking of joining something Stepbet has started called Membership. It's $25 for one year, but it makes the game a bit easier and varied. Plus it eliminates their take of the winnings.

---
Hmm not much else I can think of right now. I have decided to NOT build a computer, but am still debating what I'm going to get. I also am planning on getting the 64 GB iPhone SE. That'll save me from having to buy a new protective case. Not sure when I'll get it - but it'll be after the computer for sure!

Dietbet Round 2, Work, Green

March 17th, 2017 at 05:57 pm

I did my weigh in this am and came under by 1.5 lbs. I'll know how much I won by Monday. This next round is where it is going to get hard - the weight loss has SLOWED. But I'm going to keep trying.

---
I wish I had a job where I didn't handle cash. Again today I was short. I really try to be careful. UGH! I'm just glad the camera is there to prove I did nothing shady if they decide to look.

I wish I ha a different job.

Oh yeah, good example of government waste today. Thanks to a persistently annoying "concerned citizen." Squeaky wheel gets their way, even if it's ridiculous.

---
It was funny today seeing so many people wearing. Smile
green.

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How much longer til we can elect someone different??? Way too long .

---
Any suggestions on where to have a custom built computer made? I tried a few but they all got out of my price range PDQ ($500 or less - no monitor.)

Hello

March 13th, 2017 at 06:41 pm

So as was pointed out to me recently, I haven't posted in awhile. Partly due to my frstting keyboard. It taks me forever to type a sentence, let alone a pst.See all the errors? That's with me fixing some of them.

I'v also let mylf inge watch Call the Miwife, and been reading actual physical books. Smile

I'm reseching for a new computerThis ones 6+ years old an reformatted 2x.

Not too muh to report really.

DH is getting excited about our CA roadtrip - I just hope he can get his shifts covered. I'm happy to go see my grandma and maybe my brother. Plus ten days away from work don't hurt either. Big Grin

I have been doing some new paid to watch sites which are pretty easy money - earnhoney and koinme. I also have been using the inbox dollars app - won $1 yesterday. (trying for $40 by end of march.) I am SO close to another $100 giftcard with yougov!

DH has sold 3 magazines to somebody in Australia. $20 each! He still has lots of magazines to list.

I fished another Stepbet yestdy. Probably a $9 profit. I'm almost to Round 2 on my dietbet, and I think I'll make it! Weigh in is Saturday. I'm right there - so just need to watch the salt! Chocolate is still an issue ... but not TOO bad.

Ok, I fixed about 50%o typos in this post. So ... can see why I haven't been posting much. Smile (and why my comments are mostly short!

Doctor Visits, etc

February 21st, 2017 at 07:35 pm

Most of my Monday afternoon was taken up by doctor visits.

I thought my appointment was at 1:30, but it was at two. I showed up at 1:15... Thankfully they have wifi.

They saw me pretty close to 2. My doctor wanted me to do some more bloodwork - thankfully I had not eaten since 9 am - so I was able to do it right away. I also was able to get my first mammogram done. That was interesting.

I was glad to get all of that out of the way on my day off.

At my mammogram appointment I got to use the free valet service at the hospital. I tried to give the guy a tip, but he told me couldn't accept it. So it really was free! (DH laughed t me when I told him, but really, you never can know for sure, can you?)

Next, I rushed to where my DHs appointment was. We had a good discussion with his doctor, which I think helped us both rethink some ideas. We also got a replacement glucose meter - the one we had wasn't working. DH had fought mm on this visit, but said it was worth it. Smile

---
as he was getting ready to leave for work, he noticed my two front tires are nearly bald! I'm not sure how I've missed this... I'll be getting new tires soon.

---
My thyroid meds are being upped again. Here's hoping they'll help with the energy levels.

---
We have magazines up on eBay, but no sales yet. He's starting them pretty high ...but we'll see.

---
I'm thinking about doing the Citi checking offer. You earn a $300 bonus for doing things such as direct deposit and moving $15k into the account. I need to make sure I follow through on it though if I start it. I had started the same thing for Santender, but never got past the initial deposit - and lost $150 bonus. Frown It'd really stink to lose $300.

---
I had changed my monthly deduction from my paycheck to go into my 457 RoTH instead of the 457 Traditional. This really cut my take home ... I'm wanting to do enough for the savers credit ($2k) but I'm not entirely sure if money put in a Traditional works for that or not. I need to do some more research on it - because it really is taking a bite.

The main thing I need to figure out is if it'd be better to put the money in the ROTH an get the $200 tax savers credit, or put it in the traditional and have my paycheck go back up.

---Gotta go - DH came home early. Smile

Dietbet Round 1 Over, Budget Changes, etc

February 19th, 2017 at 12:08 pm

Round 1 finalized today - $14.44 won. (out of a $115 bet - paid out in July.) Officially lost just over 10lbs.

DH didn't want to go upstairs to take my picture, and consequently I had to redo my weigh in (no carpet.) So still made it with 3+lbs to spare.

I kind of went backwards with diet this week - started on Tuesday. Am back on plan now.

----
So on Wednesday DH got up earlier than usual, and I talked to him about my ideas for changing the budget so he'd get the same amount I am, including tithe/giving. He was ok with it, so I redid some of the categories and made two new sections.

I showed him what I did Thursday night and he liked it.

Friday morning I couldn't sleep, so we talked some more. He tells me he'd like to have his fun money in a separate checking account. This was right before I had to get up and ready. I told hm we should talk more Saturday am when he got home from work.

We did talk, and the end result is that he's going to have the separate account for his spending money - and anything I make from Swagbucks etc. will be for my spending money (in addition to what we budget.)

I'm not totally happy with this - but if i makes him motivated to actually start selling some stuff from the basement in order to fund his boat/tv/etc.... I'll live with it. He is going to add me as a death beneficiary to the account.

One of the things we decided was to lay off on the accelerated student loan payoff. The interest is less than what we earn on our checking, and we have several budget categories which could use some beefing up - which is what I did with the budgeted money for loan payoff (above the normal amount.)

---
Thursday we were going to go eat at a local Mexican restaurant for a belated VD dinner. However, we got there to discover it was closed due to the Immigrant protest.

What was most interesting to me was that this was the first time I was directly affected by a protest.

We were dissapointed, but understood the reasoning behind it. We ate at a pizza place instead.

---
Tomorrow we both have doctor appointments. Mine first (yearly), then DH's. I'm going with DH to his for a number of reasons- one being that I can make sure he brings up what needs to be brought up! Hoping we can get some answers/ideas about an issue and be shown how to use the BP cuff and blood glucose meter.

Taxes, Citi card, etc

February 14th, 2017 at 08:36 pm

On Sunday I did our taxes again - now that I have all the needed documents. I started with Credit Karma, but the 1095 health insurance form was unusable. So I moved over to Turbo Tax. According to it, we have a $72 refund from the Feds and owe $524 to the state.

This is due to DH getting a subsidy through April, and our inflated income from the stock sales (to buy the house.)

We couldn't itemize because our interest, etc. was way less than standard deductions.

Next year we should get back around $1000.

I'm waiting to see if Credit Karma fixes their form so I can file for free rather than pay TT $40+

---
I converted my Citi Thank You card to the Double Cash (just before being charged the annual fee.) After cashing out $675 in points, we had 1900 left. Today I talked to a points concierge and he made them into a $14 Amazon gift card.

---
Yesterday I called animal control because I'd gotten a late notice on Kari's license. I explained that I'd moved, and filed a change of address, but this was the first notice I'd gotten. I also told her DH hadn't received any notices for his cats.

She told me to send it in for just the normal amount with a note saying she said it was okay. Smile

Now to wait for DHs notices. (they had his old address)

---
Mom sent us $100 in a Valentines card. I'm not sure what I want to do with it.

I'd told her at Christmas I wanted nothing to do with M's money EVER. She's an adult, and so if she chooses to stay with him, that's on her. I'm however done with the him for a lot of reasons.

Second Home Chef Meal, etc

February 11th, 2017 at 12:20 pm

Thursday night DH asked me if I'd help him with the meal because he didn't know what he was doing. So we worked together on it - I worked on the grape tomatoes, he cut up the olives, capers, oregano, and garlic. (If I would've realized how long the tomatoes would take, I would've used the Mini Bullet.)

Like with the risotto, I felt there were some key steps missing in the directions - things you had to guess at.

I unfortunately burned the pine nuts - which dissapointed both of us.

The recipe didn't call for the tomato mixture to be cooked - but neither of us fancied eating raw garlic or tomatoes.

We added a package of mixed veggies.

Overall it was edible, but not something either of us would try again.

So, even if I wanted to pay for meals from Home Chef, these two meals would definitely discourage me from the idea. Glad we got them for free.

Angel hair Pine Nut Puttanesca

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I had my yearly review at work on Wednesday. Even though my unions contract isn't signed, I still am getting the next step in pay. It makes about a $.51/hour raise. Smile Better than nothing.

I also found out that I still get my PCH days even without th signed contract. So I put in for vacation for April 20 - 28. 5 vacation days, an 2 PCH.

We need to figure out what we'll do with the cats while we're gone. 4 days away is one thing, 8 - 10 is another.

We did get paid back the $150 for the dog's meds. DH went over to the owners house Wednesday night.

We still haven't listed anything on eBay. DH couldn't find the cord to connect his camera to my computer, so has ordered another one from eBay. ($2)

--
We're planning on going to Tico's for Valentine's on Thursday. (I'll get Swagbucks for it through Swagbucks local app)

--
I cut DHs hair this week and he felt it made him look bald in the front. So he had me give him a buzz cut instead. I'm going to see if the daughter of one of the light duty ladies would be willing to give me a few pointers in cutting men's hair. I've watched youtube videos, but I may need more than that.

Dietbet Week 3 , etc

February 7th, 2017 at 11:18 am

It looks like I'm down about 13 pounds. Official weigh in for round 1 is on the 17th. I'm way over where I need to be for it.

I'd ordered two meals Home Chef through Swagbucks which came Friday. I made one on Sunday - Mushroom Risotto. DH had never heard of risotto, but he liked it ok. (better than the quinoa I made last week.) I liked t too, but there was way too much dairy in it. I'll make it again, just veganized.

*I added the brussel sprouts
*Also, I made it in the InstantPot

DH will make the angel hair dish on Thursday. 2 meals for free. Smile

I don't know if it was the dairy overload,or it just was coming anyway, but I felt miserable at work yesterday. So I stayed home today.

---
I got the $650 to go to the student loans from Citi yesterday. Now just have to put account numbers on them and mail.

Like CCF, I also got a check for $7.97 yesterday.

I also got another question from IQ. Up to $.50 for Feb now. Smile

I might try out Credit Karma today for taxes. I'm still waiting on some forms from Vanguard to really be able to finish them.

Jan Budget, Other $ News, etc

February 2nd, 2017 at 07:28 pm

I decided to try using Snip to copy my budget this month. It'll be much easier o read I think. Smile

Of note:

Groceries - we spent $85 less than budgeted! We're keeping our budget at $300, but only topping it off to $300 and not building from month to month.

Extra income -
$207 from CC rewards
$100 from ReceiptPal (instant!)
$10 from Bing
$50 Swagbucks
$10 from Pact
$25 from Perk
$45 interest
$21 profit StepBet
$.25 IQ
$.60 Mobi
???

Tithe/Giving - I forgot to do this in December. So two months worth. DH doesn't believe in it, but agreed he'd be ok with me continuing. Recently he's been making some noise about him getting an equal amount in spending money. I've told him sure - but he's going to have to figure out how to make that work in our budget! Probably nothing will come of it.

I am so close to having enough for a new computer and new phone! If I can just by them along for a few more months ....

Vacation - We are planning an April roadtrip to CA. Somewhere in the realm of 8 - 10 days. Some of our expenses will likely be reimbursed - we'll be visiting my Aunt/grandma/brother. Still, we're trying to save a good amount towards it. DH doesn't have paid vacation, so we have to save a weeks pay plus expenses.

Car Insurance - In January I had both of ours together, but have separated them starting in Feb. It'll mae it easier to know how much we hvae.








---
In other news - You may remember the dog we took care of this past summer? How we bought $150 worth of medicine for its skin allergy? The owner told DH he would reimburse us. That was in June??

Since then we'd not heard one word from them. Wed written the money off as a loss.

DH got a text from the wife yesterday asking about it. DH replied and confirmed that they still owed us tat money.

Today,DH got a voicemail from the owner. It sounds like they plan on paying us the money! I wonder what prompted this? Maybe they realized that we're unlikely to be willing to house sit/ take care of their animals. Only time will tell I guess.

--

DH right now is driving back from Kansas where he picked up a box of 176 magazines for $50. He's going to sort them into sets ad photograph them, and then I'll list them on eBay.

National Lampoon, Metal (music) and Cream (music) are some of the titles.

He says he's found some single titles go for $20 on eBay. Which is great and all ... but if they don't get listed, then that's $50 +gas wasted. Sigh. We'll see I guess.

Frustrating Day - Avoided Temptation

January 30th, 2017 at 06:58 pm

I won't go into it - but take TWO phone calls in a row of 15+ minutes at the end of a day where I had lots of sales which needed to be reconciled ... and with the 13 minutes I had left I could reconcile the total from just the amounts to the cash/checks/credit cards but NOT to the actual passes. If I'd had another five or six minutes I might have done it - but Union regs say I have to be done at 4:30, and I'd already pushed it 3 minutes.

That plus multiple annoying other phone calls, and I was not in a good place.

Driving home I really wanted to stop and get junk food. But I didn't.

---
I got an email from Citi saying they had No Record of my redeeming points for a check. Ummm...

So I called and redeemed AGAIN - this time for $650. I also converted my card to the double cash back card. Hopefully in time to avoid the annual fee of the Thank You card.

I had ordered some things from Amazon on Sunday due to arrive Wednesday. When looking at the email today, I realized I'd somehow put my old name and address!!

So I contacted Amazon, and they're sending a replacement order! Sweet! (I then went into my address book and deleted the outdated info.)

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A budget meeting funny .... Last night DH and I had filled all the categories except the fun group. I saw there was still $552! Both DH and I were in disbelief because we'd put some large amounts in several categories. So we went through all of them again to be sure we hadn't skipped any.

We got to house maintenance and found out that I'd entered 30 instead of 300! That one little zero makes a big difference!

---
I'm going to wait til Wednesday to do a monthly recap - but lets just say I'm happy with groceries. Smile

Dietbet Week 2

January 28th, 2017 at 06:39 pm

So I'm still doing well with my eating plan. DH made pancakes on Thursday, plus I had A cookie I had been given Wednesday.

Friday I struggled a little with the temptation of free donuts my boss brought in. I even googled what was the best way to freeze them. In the end I just chose to forget they were there.

I'm still not sure if loosening my plans on Thursdays is for the best. Also, after watching this video, I'm considering just saying no to sugar completely. But .. baby steps.

https://youtu.be/dBnniua6-oM (Sugar: The Bitter Truth)

I'm not quite sure I believe my scale or not ... but I stepped on it this afternoon, and it showed 9lbs gone ... which is more than I need for the first round.

Cutting out soda wasn't enough - it was cutting out all my junkfood eating (and dairy and eggs.)


---
I haven't done so well with the 15 minutes ... although I did actually open th steamer mop and USE it this week! My dining room floor at least looked better.
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I found a new app - it's called IQ. It sends you one question at a time to answer for researchers, and then pays you immediately through paypal. I've gotten one question so far, and was paid $.25 instantly. Not a huge moneymaker obviously, but so easy.

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I finished a Stepbet today. I'm going to wait for payout before joining the next one. After this next one though, I may have to take a break, depending on when we do our CA roadtrip. We're talking April, but time will tell.

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I got in touch with Amazon today and got things fixed. (I had siged up for prime, but didn't realize I'd been charged for Amazon cloud drive on a rarely used card. They're refunding that charge. -I'd had it free for a year after a purchase.)

I also contacted Citi about the rewards check I'd ordered for the student loan. They're forwarding my question to the right place.

I also cashed in for $207 in rewards from the Barclay card. This will be put towards the student loan.
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Before I go, I thought I'd share one of my common heat sources. DH took the picture a few days ago. Please excuse the messy desk.







"Barbeque" etc

January 23rd, 2017 at 05:37 pm

These ads are really annoying.



Last night I made "Barbeque" for dinner using soy curls. My DH, mostly a carnivore, gave it a thumbs up. We also had beans and Brussels sprouts - all made in the InstantPot.


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DH's car is having break issues, so I came home from work and walked outside instead of going to the gym so he could use my car. My phone didn't die until I got home and took it out of my pocket to end my walk. It was cold, but I got home before it was dark.

He has an appointment on Wednesday. That cheap car isn't so cheap - plus its annoying having to change my plans so often. Ugh!

__
I made whole wheat spaghetti tonight for dinner so I could use up the sauce. There's enough for dinner tomorrow, unless DH eats it not realizing its whole wheat. Smile

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It was so nice today not having to take pictures of my food for Pact. I may continue the workout and myfitnesspal pacts, but I think I'm done with the veggie pact. (Although that's the one that makes the most money ....)

Week 1 Dietbet, etc

January 22nd, 2017 at 02:14 pm

Tonight mark one week since my official first weigh in. I don't want to jinx myself, but it feels different this time. I was able to go into grocery stores this week and most totally ignore the chocolate aisles.

I returned the non-working food processor to Aldi, and then stopped at Walgreen's and bought a Mini-bullet using my $5 rewards towards it and did not buy candy. (I would before use the $5 as an excuse to buy candy for "free")

It looks like I am down about 4lbs so far - though some of that is probably water weight.

I did have pizza Thursday night, but wrapped up one of the slices to freeze for Thursday lunch, and told DH he could have the other one.

Maybe I've finally flipped the switch like with soda.

Our grocery spending definitely shows the difference. We are at $182 for the month, and other than produce, I don't see any more til Friday.

_-
Using the mini-Magi Bullet today, I made hummus. DH was awake and taste tested it - thumbs up. I did use canned chick peas, but will get some dry ones to use once I'm out of canned.

In the Instapot I made a pot of Great Northern Beans, and then my sweet potatoes and farro for lunches.

In a bit, I'll be using it to make "pulled pork" with soy curls, and then brussel sprouts - for dinner.

I got YNAB up to date today, and got all my receipts into Receipt Hog and ReceiptPal. I'm 8 receipts away from a $100 gift card in ReceiptPal.

I cashed out for $25 PayPal from Swagbucks, and also for $10 from Achievemint.

I also got notice that $200 cash back reward has been credited on the recent credit card deal.

I ordered a meal delivery from HomeChef through Swagbucks. It cost $20, but I should receive $20 worth of Swagbucks in return. Making it free (obv.) That may be my lunches for a week in February (or Sunday dinner with DH, plus a few lunches.)

I need to get something to lay my sweaters out to dry - something away from the cats (and cat hair.) Wen I bought all those sweaters, I didn't realize most of them were hand wash. Oops.

Jan 18

January 18th, 2017 at 08:22 pm

So far so good on my Dietbet gameplan. Essentially it consists of:
No white flour foods (except Thursdays)
No foods that are solely junk (except one small treat on Thursdays - unless this becomes a slippery slope)
When buying something with added sugar (like spaghetti sauce) look for the one with the least.
Track actual food eaten on Myfitnesspal - goal - between 1600 - 1800.
Increase veggies consumption.
No soda.
No dairy or eggs - exception Thursdays.
Strength train 2x a week.
Get at least 7k steps 4x and 9k steps 2 days.

Thursdays I'm allowing exceptions (and major holidays like July 4) within reason. Mainly so I can eat what DH fixes for dinner, but also to leave room for one thing I'm craving each week.

----
Thank you everyone for your comments on the post I deleted. I felt it wasn't a post I wanted left up for too long.

On that note though - I took the advice a number of you gave, and came up with this plan:

When I get home this is my routine:
*Feed cats
*Put away items from day
*Put together gym bag
*Prepare lunch and breakfast for next day (unless Fri.)
*Clear out sink / empty dishwasher
*Clean litterboxes
*Set timer for 15 minutes and do something
*Get something to eat
*relax Smile

I think this is something I can actually stick to doing. (Of course, this doesn't include laundry, etc.)

I'm thinking of proposing something similar to DH - only he'd be exempt from the 15 minutes if he did something major that week like mowing the lawn or snowblowing.

--
Ugh Pact. This is an app that I use to track veggies/food tracking/workouts. I usually make at least $10/month up to as much as $16.

A few weeks ago I missed my veggie pact by 1 item (I'd eaten the right amount, but didn't get the photo uploaded in time.)

So now I'm back and forth emailing them because they aren't going to pay me for last weeks Pact because my Paypal agreement expired. I wasn't told of a problem. My first inkling was when I couldn't edit my pacts for this week.

I'm thinking I'm going to get back to the $10 cashout, and then be done with it. I hate to lose the extra money, but it sure would b one less thing to worry about.





My Lunch, Won Two Drawings

January 3rd, 2017 at 06:18 pm

So yesterday I tried doing two things at the same time in my InstantPot - a method referred to as pot in pot. I put 4 sweet potatoes on the little rack that comes with it, and then a pyrex dish with a cup of brown rice,some seasonings, and water. I cooked it for 25 minutes, and then about two hours later, took it out.

Perfect. Smile

I had made beans on Sunday in the IP.

So, this week's lunches will look like this: sweet potato, beans/rice, frozen veggies, apple.

The smaller container holds Triscuits and hummus. I had been buying the little $1.19 box of hummus/crackers at Aldi's. But then last weekend I found container at Walmart.

So, less waste and less money! (I did buy hummus, though I plan on making my own - once I can figure out what's wrong with my food processor.)

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The gym was stereo-typically full of people today. Thankfully I was still able to get a treadmill. Smile
---
My Fitbit wasn't syncing today. thankfully, resetting it worked. I'm almost to 10k steps - that would stink to lose that!

(I try to do my stretch days for Stepbet on Monday/Tuesday so I have them out of the way.)

---
I won 1k points from PointsClub this weekend from liking a FB post and entering a sweepstakes code. I'm halfway to a $25 gift card.

I also won 20 coins from ReceiptHog for one of the receipts I added in December. I'm close to a $20 PayPal on it.

Not a whole lot, but I rarely win anything, so it felt kind of cool to win two drawings within a few days of each other.

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I managed to go to Dollar Tree 2 days in a row without buying a candy bar or slice of pie, etc. I wouldn't have gone the second time, but DH really wanted some of the spicy beef burritos. (Got frozen fruit the first trip.)

No more grocery shopping til Sunday!

Freaking Out a Little ... taxes ; 2016 Joint Spending; 2017 Goals

January 1st, 2017 at 02:29 pm

So .. DH brought me his 3rd paycheck for December this morning when he got home along with the paystub.

I'd printed out my paystub at work last week.

Then after getting some more sleep ... I got on TaxAct and entered our info as much as I could without all the forms.

OMW! I really hope that once I have the proper forms it will look a lot better!

To buy our house, I sold some stocks and took a distribution from my ROTH (all contributions/5+ years old.)

Our combined income just from our jobs this year was a little bit more than I had figured when deciding how much to sell, but that doesn't account for the huge tax bill.

Nearly $4k between Federal and State!

They are showing the stock sale as Interest income and not Capital Gains!! If it were just capital gains, almost all of it would be taxed at 0%. (Possibly all of it.) So this just doesn't make any sense to me at all.

If this really is the case ... then there goes our fence. Ugh.

-----
I seem to have deleted my budget for the first few months of the year before DH and I started joint budgeting. So ... these figures are for July - December - once we'd both moved into the house and totally combined finances.
Immediate Obligations
Mortgage - 2633 (loan payments only)
Extra balance payments - 200
Natural Gas - 217 Average - 36.27
*Electric - 819.29 Average - 135.40
*This included a missed payment due to moving, etc. prior to July - so really, 7 months worth.
*Phone 484.84 Average - 80.70
*This includes a $200+ bill for DH when he was still in his apartment without WiFi
Internet/Cable - 365.65 -- Avg - 60.94
Water - 214.60 (billed bi-monthly) Avg - 35.77
Netflix (4 months) 42.74 - Avg - 7.14
Groceries - 1903.90 Avg - 317.32
Car Gas - 1554.80 - Avg - 259.13
True Expenses
Oops Tax (Accident Ticket) -- 151.95
Car Insurance (DH only - 6 month prem) 177
Car Maintenance - 1351.51 --- Avg - 225.25
Clothing (minus my $170 purchase) - 182.74 Avg - 30.38
Computer Replacement - 284.88 Avg - 47.41
Phone/Garmin Replacement - 173.81 Avg - 28.97
Home/Yard Maintenance - 2311.10 Avg - 385.20
Household General - 1039.23 Avg - 173.17
Medical - Non Deductible - 146.97-- Avg --24.50
Pets - Cats - Food/Litter - 375.63 -- Avg -- 62.60
Pets - Cats - Medical - 542.28 --- Avg --90.40
Pets - Non Cats - Food/Shelter - 114.62 -- Avg - 19.10
Pets - Non Cats - Medical - 38.54 -- Avg - 6.42
Quality of Life
Vacation - 237.28 -- Avg --39.55
Fitness (gym memberships) 293.76 -- Avg -- 48.96
Just for fun
Laura birthday (includes concert) - 165.77 --Avg -27.63
Scott Birthday - 103.94 Avg - 17.32
Date Night (eating out/take out) 226.84 -- Avg - 37.81
Debt payments
Student Loan (5 months) - 261.05 -- Avg -- 43.51
Medical Debt payments - 2390 -- Avg - 398.33

----
DH has been talking more and more about needing to find a different job which won't be so hard on his knees/hips - something like a night auditor at a hotel. I'm okay with that, but I'm thinking that to prepare for the drop in income once that becomes necessary, that we need to scale back on some other things to create a good buffer.

I'm not really sure where we can cut back much though. One area I'm going to try is to cut back on grocery spending. Maybe see if DH would be willing to set the thermostat to 60 degrees (heat) (is at 65 now.)

We've got some big expenditures in 2017 though ... fencing our yard / removing trees/bushes / purchasing a winter vehicle someday for DH / an extended roadtrip to CA to see Grandma/brother, etc.

Plus, we have the goal of eliminating the student loan debt by December. Approximately $4200.

I'd like to say, well, let's just live on one of our incomes and put the rest into future savings. But ... just filling up the categories of immediate obligations puts us slightly over what DH brings in. That's before putting money into car replacement/ car maintenance/ house maintenance, Pets costs, etc.

The only way I can see us actually being able to put away significant amounts is if DH actually starts to sell his electronics.

Tonight is our budget meeting for January/2017. So, this may be a large point of discussion.

----
Okay, my 2017 goals. (so far)

Financial:
1. Pay off DH's student loans by December. (Approx. $4200)

2. Reduce average grocery spending to $250/month

3. Discuss the amount of needed buffer for DH to take a different low-paying job with less stress on knees, etc.

(Car costs and gas costs would be exponentially smaller with a night auditor job .. but the income would probably drop at least $5 - 6 /hour.)

Health:

1. Increase fruit/vegetable intake to an average of 35 servings a week.

2. Reduce added sugar - Buy/eat added sugar items only 2x a week. No more than one servings worth.

3. Reduce processed foods / foods that come in packages. (Not sure how to make this a measurable goal)

4. Do 30 minutes of strength training each week.

5. Complete 8 StepBets successfully.

Home/Self:
1. Create a doable cleaning schedule and DO IT.

2. Actively play with the cats ten minutes a day.

3. Limit computer time during the work week after work to two hours. Limit computer time on the weekend to 3 hours. (Not including budgeting time.)

4. Don't get sucked in to Mama Drama.

5. Less Overthinking/Guessing negatively/More Positivity

6. Keep an active lookout for a different job.

Stomach Flu ... Happy end of 2016 to Me

December 31st, 2016 at 12:01 pm

I had just pretty much gotten over the cold this week, and was looking forward to a long weekend where I was feeling good and would be able to get some things done.

Then ... last night around 7 p.m. the stomach flu hit. I was up and down pretty much all night long. I finally managed to get to sleep around 5 a.m. I just got up about noon, and am still having ... issues.

DH brought me a Sprite when he got home from work, which I sipped at, and seemed to help a little bit. (I'm not considering this a break in my no soda rule - the soda I *enjoy* is Coke/Pepsi - the Sprite is for medicinal purposes.)

I illogically was wondering if it was food poisoning (ate at Texas Roadhouse Thursday night) or as a result of eating too much of a new chocolate brand that I'd gotten at CVS on sale Thursday ( Hershey's chocolate layers 2 for $4). But I'm pretty sure it is stomach flu.

At any rate, I think (even though I know it probably wasn't the culprit) I think I'm ready to give up chocolate. I can't just eat a single serving - I go overboard. Sometimes even when I don't even really like the taste of it ...

Not quite how I -was hoping to end 2016.

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I'm very frustrated with Pinecone. I got locked out of my account due to the robot verification thing. It got reset, and I tried again - only to get locked out AGAIN! I can't do surveys and I can't cash out. UGH!

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I need to update our budget today, but I already know we overspent in groceries.

I need to see if I can take back the food processor I bought at Aldi's without a receipt. I made homemade cinnamon rolls last week, and when I went to use it to make powdered sugar, neither DH nor I could get it to work. So I ended up making them into pecan rolls instead (brown sugar sauce)

I'm within 40 receipts of being able to cash out for a $100 gift card from receiptPal. Probably by the end of January.

I had to call CVS on Friday yet again because the thing with switching my info to a new card STILL was messed up. The lady I spoke with said she'd give me $13 extrabucks as kind of a sorry, and it should be fixed by Monday. I'll believe it when I see it.

I've started watching Land Girl's on Netflix - almost done with the second season. It's a great diversion while on the treadmill. Smile

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DH works tonight, but tomorrow we're planning on going to IHOP. Hopefully I'll be up for it by then.

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Kari has been letting DH actually pet her without immediately growling or running away! This is huge progress. She's still not getting along with the other cats ...

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One thing I hope to accomplish this weekend is to figure out a gameplan for food. I've kind of contemplated signing up for the Clean Foods Dirty Girls mealplan for one month at $29, but am not sure just yet. If I could get DH on board for it, it would make more sense. But that isn't likely to happen .. so ...

We really need to get the grocery spending under control. I think maybe I'll just assume that 2/3rd of it can be spent by me, and so when DH decides to go shopping, it isn't an issue.

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I don't know how I'm going to get my steps in today. I may have to forfeit the $35 for the Stepbet. Frown Frown You have to have a doctor's note to not forfeit - and I doubt that stomach flu would work. Sigh. I guess I'll do some walking in place or something.

DH and I Sick ... Financial doings

December 22nd, 2016 at 04:58 pm

DH has been pretty sick the past few days - bad coughing, etc. Tuesday night we went to the CVS minute clinic near us to see if he had strep throat. Thankfully he didn't! (I catch strep EASILY.)

I haven't been feeling too great myself. Took today off, since the next six work days pretty much everyone will be gone, and I CAN'T take off no matter how sick ..

Spent some on cough syrup, oj, etc.

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I came across this link on Facebook yesterday - most of the things were ones I'd heard of before, but there were a few new ones.

http://www.frugalforless.com/35-work-from-home-gigs-that-pay-you-once-a-week-or-daily/

One I signed up for is PointsClub. So far, so good. The surveys pay even if you don't qualify. The main thing is to visit the site every day without fail, so that when you DO get a qualifying survey, it pays out more.

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I got an advert for Barclay Mastercard - spend $500 in 90 days, get $200. I had to wait for them to go through my credit monitoring service (provided through Blue Cross Blue Shield for free), but got my approval email on Tuesday. Once I get the card, I'll pay $500 towards DH medical debt. Boom! There's our $200. Smile (Which will be put towards student loans.)

Now I just need to wait a little while and find another deal like this for a spend $500 get $100 (or hopefully $200!) to finish off the medical debt.

I called to find out what percentage deal the hospital offered for paying if off all at once - a measly 10%. Yeah. No. 20%, and we'd be talking. Just with this one credit card deal I shaved off more than 10%! (There's a balance as of now of $1632)

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I bought 3 pairs of leggings from Amazon, and also a Bissell hardfloor steam mop. They should be here by Saturday or Monday. (Used gift card money/rewards points.)

I got quite a few compliments on my dress/sweaters from my shopping spree at work. Big Grin In fact, the lady who is on light duty had been looking for clothes for her youngest daughter who is a BBW like me Smile and hadn't thought of Lane Bryant or JC Penny's. She went there and found several items her daughter LOVES. Her daughter said (through her mom) "tell the lady you work with that I LOVE her!" LOL

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I'm so glad this is an off week for my stepbet. I would have forced myself to get my steps in, but definitely wouldn't have enjoyed it.

From my last stepbet I earned $11.90. My current stepbet (which starts for real on Monday) I only paid $35 to join (emailed a coupon!) So, I'm essentially starting off with a $5 bonus. Smile Hopefully I'll be feeling better by Monday.

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Bing had some issues this past weekend with points crediting. I guess enough people complained (me included!) so today they put out a 1,000 point clicker as an apology. When you click on it, you're taken to a page full of images with a variety of Sorry's on it. I thought that was pretty cute. Smile


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