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Local Honey

March 6th, 2015 at 01:16 am

Today I was absolutely miserable at work - sneezing, coughing, blowing my nose. At least I got more sleep last night than I did on Tuesday night - mostly thanks to taking some Dayquil (the Nyquil works, but I don't like taking it on work nights - too groggy.)

I ordered a bottle of oregano oil capsules - something I've used before which seemed to really help. Then after work today I stopped by OH, a local whole foods/trader Joe's type place and bought 8oz of local honey. I already had a piece of PBH toast. Yum. Smile (I'm not counting the honey as a junkfood purchase - I'm counting it as a medicinal purchase. Believe me I was tempted by some yummy looking fudge ... but I persisted and resisted!)

--
I got my first paycheck with my raise / retirement deduction / new w-4 deduction. It was about $7 less than normal. So it seems that changing from 2 to 3 on the W-4 was the right thing to do. Smile

I'm curious ... I know that you can start withdrawing from a 401k when you turn 55 penalty free - but what I have at the bus company is a 401b. On my paystub it lists the deduction as "pension." I know I have 15 1/2 years before really needing to worry too much about this .. but it's something I haven't been able to find too much about online.

Also I'm wondering if I'll still be able to claim the tax savers credit since I now have a workplace retirement plan?

15 days down of 40! Surprisingly it really hasn't been all that hard. Really the better word would be MIND BLOWINGLY.

Posted in General, Work Related, Frugal Single Life, Accountability, Year 39 | 22 Comments »

22 Responses to “Local Honey”

  1. creditcardfree Says:
    March 6th, 2015 at 01:34 am 1425605684
    1425605684

    Yes I think you can still take the Tax Saver's credit, more
    Text is here. and Link is http://www.irs.gov/uac/Newsroom/Plan-Now-to-Get-Full-Benefit-of-Saver%E2%80%99s-Credit-Tax-Credit-Helps-Low-and-Moderate-Income-Workers-Save-for-Retirement
    here. My brother in law swears by local honey for his allergies.

  2. FrugalTexan75 Says:
    March 6th, 2015 at 01:39 am 1425605970
    1425605970

    Thanks CCF! I just wasn't sure, because I thought I had read somewhere that you couldn't take it if you had a workplace retirement plan.

  3. creditcardfree Says:
    March 6th, 2015 at 01:52 am 1425606759
    1425606759

    You're welcome!

  4. LuckyRobin Says:
    March 6th, 2015 at 02:32 am 1425609123
    1425609123

    Pure raw honey isn't junk food at all. It is full of health benefits. It helps with allergies and sinus problems and applied directly on a wound can speed healing.

  5. FrugalTexan75 Says:
    March 6th, 2015 at 02:46 am 1425610011
    1425610011

    LR - Thanks for mentioning it. I had heard it somewhere else before, but for some reason the idea never took hold. I don't know if it's psychological or not, but I seem to be feeling somewhat better already! That's cool about the wound healing!

  6. LuckyRobin Says:
    March 6th, 2015 at 05:48 am 1425620903
    1425620903

    It wasn't until I started having a teaspoon of honey each day that I beat that awful cold/flu/cold thing I had from October through January. I started feeling better the night I started it. Now my kids are sick and I'm not and the only thing I am doing differently is eating honey and having some in my tea at dinner.

  7. DecisiveParadox Says:
    March 6th, 2015 at 09:16 am 1425633392
    1425633392

    You know I once got stuck into some local honey.
    Everyone warned me that you it was better.
    I was hooked.
    I didn't know how I lived before that.
    Now we are married with two kids and she is still just as sweet as the day I met her.
    I would never tell her this though. It would tip the fragile balance of her pursuing and wooing me Stick Out Tongue

  8. scottish girl Says:
    March 6th, 2015 at 10:30 am 1425637809
    1425637809

    $7 less than normal isn't bad. I didn't know that about honey. How is NE after his surgery?

  9. FrugalTexan75 Says:
    March 6th, 2015 at 11:31 am 1425641465
    1425641465

    LR - Your kids don't like honey? I hope it does a miracle like that for me too, because I'm SO over feeling miserable.

    SG - Nope, not too bad at all. Smile NE hasn't had his surgery yet - it'll be on Wednesday.

  10. CB in the City Says:
    March 6th, 2015 at 01:59 pm 1425650371
    1425650371

    DP, love your testament to your "honey!"

  11. doingitallwrong Says:
    March 6th, 2015 at 02:23 pm 1425651785
    1425651785

    You can only take 401(k) withdrawals at 55 if you separate from service in or after the year you turn 55. Otherwise it's 59 1/2 like other retirement accounts, but only if you're separated from service.

    I've not heard of a 401(b) plan, is it maybe a 401(a)? Those plans are like a pension; you cannot access it (even to roll it over to an IRA) until you are at least 55 years old and separated from service.

  12. Frugaltexan75 Says:
    March 6th, 2015 at 05:04 pm 1425661499
    1425661499

    Doingitallwrong - Yes, I think it is a pension. My goal is to retire by 55. 😀

  13. Joan.of.the.Arch Says:
    March 6th, 2015 at 05:13 pm 1425661991
    1425661991

    If unfiltered, unpasteurized honey attenuates hayfever, then my DH needs honey from Texas, Oklahoma, Chihuahua, Coahuila, Nuevo Leon, and Tamaulipas! Every time the weather comes in from the Southwest, he gets hayfever. Their pollens are probably the cause.

  14. Tabs Says:
    March 7th, 2015 at 05:01 pm 1425747682
    1425747682

    Aww, hope you feel better soon!

  15. FrugalTexan75 Says:
    March 7th, 2015 at 05:09 pm 1425748160
    1425748160

    Joan - I didn't have allergies until my family moved to Albuquerque when I was in elementary school ... I had the back dot test and tested allergic to just about everything environment related (dust, pollen, trees, grass, tumbleweeds .....) I don't get hayfever as badly as my dad did though, although it does seem to be getting worse.

    Tabs - Thanks! I didn't sneeze at all yesterday at work, although I ran through a lot of tissues. Last night I started a deep cough. I'm afraid this might be turning into bronchitis .. so am staying home from church today to just rest.

  16. LuckyRobin Says:
    March 7th, 2015 at 08:31 pm 1425760311
    1425760311

    They do like it, Laura, they just don't do it when I tell them to. Kids.

  17. FrugalTexan75 Says:
    March 7th, 2015 at 08:49 pm 1425761342
    1425761342

    Yep, that's kids for you all right. Smile Maybe tell them that the honey isn't to be touched by them ... then they'll want it. Smile

  18. Looking Forward Says:
    March 8th, 2015 at 04:47 pm 1425833237
    1425833237

    Yes, Honey really does help. Smile
    Is the honey really *local* to your area? Often in a chain store it might say local, but that "local" is in another state. Wink

  19. FrugalTexan75 Says:
    March 8th, 2015 at 04:49 pm 1425833370
    1425833370

    LR - The honey I bought was made on a farm about 30 miles from here. About as local as we can get I think. Smile

  20. My English Castle Says:
    March 8th, 2015 at 07:33 pm 1425843181
    1425843181

    I've never heard this about local honey before. My DD's allergies are terrible. I'm going to try it when we get home. Thanks!

  21. FrugalTexan75 Says:
    March 8th, 2015 at 07:46 pm 1425843974
    1425843974

    MEC - It really does seem to be helping! I hope it helps your DD too.

  22. LittleMissSplendid Says:
    March 9th, 2015 at 01:28 am 1425864508
    1425864508

    I too can't live without local honey. My allergies are better and the taste is amazing. I can't even think about eating that other junk lol.

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