<< Back to all Blogs
Login or Create your own free blog
Layout:
Home > Good, Busy Day Off, $ Ruminations
 

Good, Busy Day Off, $ Ruminations

December 16th, 2017 at 11:30 am

So I got to sleep in a little on my birthday. At least a bit of a lazy and easy wake up. I was greeted by the Alexa Dot playing a Happy Birthday song to me as my alarm - which was funny weird. Smile

I had a doctor's appt for bloodwork at 9, but had gotten a call around 4 on Thursday which I was only able to catch part of (voicemail) and of course when I tried to call back the office was closed.

I tried calling before going, but got their answering service. So I decided to just go and see what was up.

Apparently since the city switched insurances (from BCBS to AETNA) the lab my doctor uses is no longer in network. Great - already had labwork done in November (start of new ins plan year) wonder how much that's going to bite.

They'd canceled my appt due to this ... I told them to please see if I could get into Quest (now in network) that day since I had the time.

So while they were getting this all figured out, I headed to Aldi's - they have mejodl dates 1 lb for $2.49!! I spent a total of $33 there.

Then I headed to Kohl's to see if I could find anything that grabbed me. There was one sweater I really liked - but not $26 liked. So left with nothing.

Next I headed to Lane Bryant. I got fitted for a new bra (down 2 cup sizes! Like I'd mentioned, desperately needed a new bra!) I bought two - used a $25 coupon - spent $76. I told my husband - glad these things last a long time!

While I was at LB I got a call telling me to go to a local hospital to get my labs done - walk in anytime.

I needed to put my groceries away, so I went home first, then headed to the hospital. That was at least 40 minutes later. They didn't have any idea I was coming. It was nearly noon.

30 minutes later I had my labs done - after the tech joked that she thought the birthdate was written wrong. Smile

Now on to HyVee (grocery) to see if I could find the things Aldi didn't. Spent $16, but still was missing a few items (ordered on Amazon)

On my way to Bed Bath Beyond, I stopped at the Oriental Market and stocked up on tofu and a new bottle of stir fry sauce (vegetarian) - $13

At BBB I walked around for awhile and ended up getting a hanger for tank tops/cami's, a set of sillicone hot pads and some special glasses for night time driving (for DH.) I used two 20% coupons and a gift card. So no out of pocket cost. Smile

Next I headed to Dollar Tree and stocked up on Frozen fruit and diced tomatoes ($.50 a can!!) ~$16

Finally I stopped at the Credit Union to make our weekly deposit, and then home.

I had planned on a mani/pedi but by the time I got home it was 3 pm and I was tired. Plus my mom was going to be calling me ... so I decided to just stay home and chill the rest of the day. Smile

I did have some chocolate - the Harry & David's popcorn my brother sent, and chocolate covered potato chips from Aldi's ... Mmm yum!

Today I'll be taking it easy for the most part - although I do plan on getting some housework done. Dishes/sweeping/mopping/laundry..

Tomorrow I'll do something foodwise for my lunches, fill up a few more leaf bags, and .... Nutcracker!! Woo hoo!

---
I saw an idea somewhere about making shorter tops more professional looking by simply adding a layer of a long tank top. I'm going to be checking Goodwill for some. I have a few, but I think black would be best since my dress pants are all black.

I really need to replace my work flats. I'm hoping I can find Mary Janes that will work.

Is there something you can attach to the bottom of your shoes to make them more slip resistant?

---
I cashed out rewards points for our Credit Union account - $15 (This is the account that pays 3% interest!

Also Citi DC - $26

--
DH's ROTH is fully funded for 2017 - and has earned $500 since inception!! (started it in June or July I think.)

My ROTH is short $1045 from being fully funded.

I get a 3rd paycheck in March ... but there's so many places that could use padding .. pet fund especially, I don't know that putting it towards the 2017 ROTH is the best use of it.

To fully fund DH's for 2018 it's $500/mo.
To fully fund mine, it's ~$458/mo.

So, $958/mo. We're setting aside $1k/mo.

So .. $42x12 = 504
$1045 - $504 = 877
504/4 = 126

So, we'd need to set aside an extra $126/mo for 4 months to have 2017 and 18 fully funded. Ugh. Probably isn't going to happen. Just taking out the $1k/month is making our budget thin enough.

Or ... if I put the January contribution fully into my 2017 ROTH, then ...
13k / 12 = $1,083/month

So, $83 extra all year long. I wonder if that'd be doable ...

*FYI - DH never had any kind of retirement savings til we opened this ROTH. I had been setting aside funds for it til he finally agreed for me to get the ball rolling. I have retirement funds/accounts galore, although I've never fully funded a ROTH. Smile

We are using the funds put in my ROTH as a very last resort EF since it's been open more than 5 years and they have more time to grow.

ETA - I just realized my calculations were based on $6k for DH instead of $6500. Ooops. But the $1083/mo still would do what I'm thinking.

6 Responses to “Good, Busy Day Off, $ Ruminations”

  1. rob62521 Says:

    Busy birthday! Happy anniversary of your birth!

  2. Bluebird Says:

    Happy Birthday! Anti slip shoe grips - Amazon has them 😀

  3. frugaltexan75 Says:

    Thanks Rob and bluebird

  4. CB in the City Says:

    Happy Birthday! Sounds like you had a good, productive day.

  5. laura Says:


    Happy Birthday! Belated, but hope it's the beginning to the best year!

  6. VS_ozgirl Says:

    Happy birthday 🎉 🎉🎉!

Leave a Reply

(Note: If you were logged in, we could automatically fill in these fields for you.)
*
Will not be published.
   

* Please spell out the number 4.  [ Why? ]

vB Code: You can use these tags: [b] [i] [u] [url] [email]