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Home > Dentist, Rethinking Spending, ROTH's, etc
 

Dentist, Rethinking Spending, ROTH's, etc

December 4th, 2017 at 08:10 pm

Thanks again everyone for your kind words about Sunny. It is so strange to not have her here.

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I got word from my doctor that my bloodwork came back looking good. She didn't test for vit D and my platelets looked high - so I'll be going back on the 15th for a recheck of platelets and a check of vit d.

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I went to the dentist this morning - had two fillings replaced and a partial deep cleaning. Ouch. I had gone to the dentist a few weeks ago for a cleaning (after not having gone for a year) and found out I needed a deep cleaning of my back teeth.

I bought a water pik which should hopefully help going forward. (If I actually use it consistently ...)

I have another appointment on Thursday for the other side of my mouth.

DH needs his full mouth deep cleaned - he has appointments in February.

Glad to have FSA money set aside for stuff like this.

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I have decided to cancel my MoviePass. While it was fun for awhile to go see any movie I wanted to, it's started to get tiresome trying to not only find a movie I want to see, but one that's playing at a theater I want to go to. Most of the ones I want to see seem to be at the downtown theater - and the night I prefer to go - Saturday - isn't a great night to be downtown!

My spending money isn't coming in as much lately. Swagbucks is still a decent source, but most of the other things I was doing seem to be getting more difficult, or I just have gotten tired of them.

So ... I'm going to be much stricter with my spending of my fun money. I've been a little too free with it in some ways.

I'm also going to try to be a little more tight with spending of the family budget money. Especially groceries. That seems to be edging up and up the past few months. (along with the scale ...)

I'm going to continue to budget $300/mo to groceries, but any month we come under it, the balance is going to go to the EF. I'd really like to get that up to at least 12K. That way if DH gets to the point where he can't do his job anymore, we have funds on hand to last til he can be approved for disability (without having to go into our ROTH savings.)

Speaking of ROTH's - DH's is fully funded ($6500) for 2017! It earned $457 since we opened it (in June I think?) That's a lot more than it would've earned sitting in either our 5% or 3% checking accounts! My ROTH is about $1k short of being fully funded. (We had $3500 set aside for the DH's ROTH when we started his account. Each month I've allocated $1k to be split between our accounts since then. Plus, I have my retirement accounts at work - one of which shows a 14.5% increase!)

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Can I say how much I love the Echo Dots we bought?!

They may actually end up saving us a little money ... I called my grandma on Saturday like I do every week using the Dot, and it didn't count towards my minutes! As long as I remember to call my mom or brother that way, that'll save several hundred minutes whenever that happens. I forgot to use it tonight when I returned my DHs call, but will be working on remembering. Smile

We've used the intercom a few times, and I've used the thing where you can have multiple ones play at the same time (like when I'm cleaning and listening to music) DH really likes it for hands free alarm setting, and has been requesting a lot of music. Smile

I have a couple podcasts I listen to, plus my news flash with the daily Bible study reading. Smile

I also am loving the easy list making.

This would be in terms of Kon Mari a joy producing purchase Smile

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We got some yard work done yesterday. DH cleaned out the shed and rearranged everything, he then put in the fence lumber so it won't warp over the winter. (Forgot to mention that $200 worth of cement is toast due to being put on the ground and covered with a tarp. Thanks Fence guy. Not.)

I bagged up 3 bags of leaves from part of our front yard. (Did a 4th one today after work.) Also picked up a ton of sticks.

We're running out of time to do yard work. DH got a bee under his bonnet due to wanting to put his CRV in the garage. Thus why stuff is slowly starting to get done outside.

I've also decided energy or no energy, I WILL do at least one hour of focused effort on housework or other needs everyday plus whatever we do on Sundays. (Only day we both have off together.) Eventually maybe I'll catch up and can go to 20 minutes daily plus cat litter.

3 Responses to “Dentist, Rethinking Spending, ROTH's, etc”

  1. creditcardfree Says:

    Lots of good news in your post! My DH won't ever let us get those Dots...for security reasons he says. The Army makes him paranoid, although some of it is legit to be worried about. I mainly wanted to say make sure you give yourself breaks during cleaning. An hour is a lot when you aren't used to doing it. All efforts will be worth it. I've kind of been doing just a few things each day right now, rather than skipping days of nothing.

  2. scottish girl Says:

    Good post! I agree, an hour is a lot. I find doing it in spurts helps eg doing dishes while dinner is cooking, folding laundry while watching tv and putting things back as you notice them as opposed to later.

  3. frugaltexan75 Says:

    CCF - I guess I don't worry about the security aspect that much - anyone listening in on us would be pretty bored ... Smile

    Re: hour --- I would do it in spurts, but as soon as I sit down I have at least one cat on my lap. Getting up at that point is difficult. Smile

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