So on Monday I get a text from my brother telling me that he's met someone who is "it" and he wants to bring her on the cruise with us in Sept.
I tell him that while I would love to meet his new girl, I felt that adding her to our cruise would change the whole tenor of it. (IOW - he'd be totally into her and we'd get very little time just us.)
He then tells me mom suggested it.
Tuesday I stayed home from work sick. Had a long conversation with my brother. Found out he'd been dating this girl for less than a month, but feels SURE she is the real deal.
She's 28, a French citizen, and possibly Catholic. (The only reason this last bit matters is that the faith my brother and I were raised in is quite different than Catholicism. Plus he'd probably have to have his first marriage annulled.) Her family owns some wine vineyards in France I think.
He's traveling to London in a few weeks to meet her family at her brother's graduation from Oxford. Then she's going to be getting some 90 day Visa to be in the States, while working on securing a job so she can stay.
The cruise falls within the first month of this 90 days.
So … I spent another 40 minutes on the phone with Expedia finding out how / if we could make these changes.
I didn't have her full name or birthdate, so it mostly was a waste of time.
Then my mom called, and that was another hour+ on the phone.
My brother got her info to me on Thursday morning. My boss kindly let me take an extended morning break (after I gave her a brief rundown)
An hour on the phone with the CS rep yielded the following -
Because we were going from triple occupancy to double occupancy, my mom and I's room costs $240 extra.
My brother and J's cabin will be an extra $700 above what he'd already paid.
Plus of course transportation costs are going to go up.
Oh yeah, I'm pretty sure I'm going to lose my Swagbucks on this deal now.
I was just barely figuring out how to cover all the expenses in time - so now to have to add an extra $120 to it …. UGH! Especially since if she actually does come (a lot can happen in 3 months …), then I'll have very little time with just my brother. Which was sort of the purpose of the whole trip!
So … I'm scrambling to see if I can find any new bank bonuses. I think I'm probably done with CC bonuses for at least a year. I'd thought about selling my iPad, but I've started using it a good bit again lately.
I could have just said NO, but then there'd be a good possibility that he'd decide to just not come.
Viewing the 'Accountability' Category
So on Monday I get a text from my brother telling me that he's met someone who is "it" and he wants to bring her on the cruise with us in Sept.
*We haven't been reimbursed for the water heater yet ... I'm going to wait til Tuesday, then contact them if it still hasn't come. Grrr...
*Tuesday was our two year anniversary. We did a mini-road trip on Wednesday.
While on our mini-trip we stopped at two fish stores. DH saw some corals he was very interested in, and I saw a Clown Trigger fish which I think I might like to get after the cruise (when I have spending money again ...)
We ate at a Mexican restaurant in Glenwood, Iowa which we'd been to before and really liked. The food was very good again, but our server left a lot to be desired.
Still, it was a nice way to mark 2 years.
*I got my $200 checking bonus from one of the Christian credit unions.
*I also got my $100 bonus from My Money Bank
*I see my $150 bonus pending on my US Bank card, but it's been pending for several weeks ...
*I cashed out for $25 Paypal from Earnhoney and Swagbucks, as well as $25 AGC from Perk
*We way overspent on groceries this month .. mostly due to my reverting back to some bad eating habits. I'm really trying to reign those in again. Both for $$ reasons and for health.
*I'm halfway through a Runbet and a Stepbet. I also am participating in a Spryfit bet that will end at the same time. About $120 tied up between the three.
* I need to get my passport sorted soon. Only 4 months to go!
*I have been tracking flight prices with Google Flights, so far the cheapest flight has been $216. But that doesn't include baggage. I'll probably pull the trigger in the next week or two.
*I have completed 3 weeks of physical therapy for my shoulder now. I don't think there's been much improvement yet. They tell me it can take 4 - 6 weeks ... then if still not good, do an MRI. Ugh.
*I slogged through Lost in Space and also Let it Go on Netflix. LiS has little bad language and no sexy scenes. LiG is the complete opposite ... is about the realities of motherhood.
I was so excited last week when I was able to order the Dash mini waffle iron (with my Perk Amazon card.) Then I got it and put a sweet potato puree mixture in it - trying something I'd seen somewhere.
I have managed to get most of it off, but there still is a decent amount left.
I can't remove the plates or run them under water. I used a damp paper towel, a damp dish towel, a pair of silicone mini-tongs .... all helped, but not enough.
Any ideas? I really want to use this thing!
I had my 3rd PT appointment on Thursday. The PT assistant told me she thinks it is my upper trap, not my rotator cuff, due to the pain radiating throughout my arm AND the huge knot in my trap area.
So she's concentrating on working out the knot ... as am I.
My arm was really throbbing Wed pm, and I REALLY did not feel like going out for a run. Did it anyway, and my arm actually felt better? PT said I probably relaxed the right muscles while running.
I did my 3rd run today. Good thing since winter seems to be coming back for a visit the next two days. Yuck.
DH and I had a good discussion last night, although it was almost totally derailed before even getting started with me getting ticked at him when he snapped at me. Schwan's guy came at just the right time to give me a few minutes to cool down (got him to take me off his route list)
DH will be going to see his stepdad on Sunday evening(something he is NOT looking forward to) so I pretty much have the weekend to myself.
I am hoping I met the final requirement for a $200 checking bonus in time. Yesterday I was double checking what was needed for each bonus, and realized I hadn't set up estatements. Oops. Have them set up now.
I finished a Jan Karon book (Father Tim) "Somewhere Safe with Somebody Good" and started another one "Come Rain or Come Shine." It had been awhile since I'd read the series, so I'm not totally sure where I'd left off at.
My eating isn't going well to put it mildly. Sugar sugar sugar ...junk. At least breakfast and lunch are still healthy ....
On Monday I'm going to a customer service training thing. I'm just happy for a day out of the office - paid.
Hopefully all the SBs coupon prints will credit on Monday so I won't have to fiddle too much to reach the daily goal.
Still loving my standing desk. Getting lots of questions about it too.
3 weeks of six complete on my Stepbet. It definitely is getting me moving more ... like yesterdat afte church I only had 1400 steps but needed 9400 (for a stretch day.) If it weren't for the stepbet, I *might* have gotten in a 30 minute walk and called it a day. But instead I did a 90 minute walk, plus some shopping. So ended the day with over 12k steps.
I looked into the Runbet (new app) but the current game expects a min pace of 15 min/mile 5x in a week. Yeah ... I do good to do a 17 min/mile if I'm trying to do a walk/jog ...
On 3rd week of Drop it challenge. That's going pretty well. The scale is continuing to move in the proper direction.
It looks like we are going to have to up our gas budget. Currently it's at $300/month. The last two months I had to WAM from groceries because we were over budget. As of last night there is $90 left with at least 5 more fill ups for DH and possibly one for me.
I think it is a combination of DH driving the CRV almost exclusively (much easier on his knees/shoulders) and the higher gas prices.
One of the fill ups will be fairly cheap though - I transferred a prescription to HyVee and got a coupon for $2.05/gallon. I just have to make sure DH uses my Perks card to get the discount.
The next refill (prescription) I'll get a $25 gift card, and the 3rd one I get a $50 meat pkg (for DH).
A bit of a hassle, but worth it for the freebies.
I ordered 3 pairs of shoes from JC Penny's via SBs. A total of $106. I may have to send one pair back though - I had triple checked that all were wide width, but the order email I got shows the sneakers as a medium!
I'm not sure how that happened, but I'll try them on just in case.
(I ordered dress shoes for work, sneakers and sandals.)
I got my extra paycheck on Thursday. My tax changes and 457 contribution changes both were in effect already. So it made the check a bit over $100 more than normal! Of course health/dental and vision weren't deducted - so that won't be normal.
I cashed out $30 from my Citi card. There's nearly $40 on my Chase card I can cash out, but I'm going to wait til the next statement ends so I can cash out the max. (April only pays 5% on categories I don't use, or get higher payout elsewhere.)
I got a new Discover card (they changed my previous one to the It) - for April they only have groceries at 5% - so my AmEx card at 6% is better. So that card will continue to not be used at least for the next quarter.
I'm about 1/2 way to the $500 spend on the US Bank card. It's taking a bit of time to get my utilities all switched over to it.
I cashed out $25 from Earnhoney, and am close to another $25 SB cash out too.
I signed up for CBS All Access 7 day trial. 150 SBs deal. I wanted to like it, I really did. But for $5.99/mo it has extremely limited selection and a horrible navigation/UI. I did find the show Limitless with all episodes - so binged on those this past week.
I canceled it last night after watching the last episode. If they'd had full episodes of Person of Interest, or the last two seasons of CSI then I might have kept it for another month or two. But seriously limited selection of full episodes.
Update on my standing desk - still loving it! I use it in the standing position about 60% of the day most days. I have an anti-fatigue mat and monitor risers.
I have a doctor's apt this Tuesday for my shoulder. The past two weeks or so I have been having some strange pains from my left shoulder/bicep. I'm not really sure what caused it. I've been putting off going to the doctor because I kept hoping it'd go away. But it hasn't.
I'm guessing I'm going to have to do physical therapy for it.
I had a dentist checkup this last week. Previously I'd been told that I needed to up my dental hygiene routine. So I picked up a water pik and an electric toothbrush. Apparently what I've been doing worked! I was told I had good improvements and to keep it up.
My visit didn't cost me anything because I had a credit from a previous visit where I was overcharged.
At church this quarter the Sabbath School lessons are on stewardship. This week focused on debt. The person leading our class seemed to kind of assume we all were in debt ... He said something about - think about how good it will feel when you're not in debt - how much good you can do ...
Well ... I didn't feel comfortable piping up that other than the mortgage and less than $3k is student loans, I already know what that feels like!
Yes, it IS a good feeling ... but just because you don't have debt hanging over your head, that doesn't mean that you then have tons of money to do whatever you want to. No ... you then have all the things you know are coming up that you need to set money aside for - short term, mid-term and long term. It never feels as though it's enough ..
Then DH and I got into a discussion again about why it's necessary to have money sitting in our account for things like our medical deductible. I told him it's so if something happens where we need to use our whole deductible, then we can pay the bill in one lump sum and save 10% or more. It gives us options. He was like - why can't we just make payments and use that money elsewhere?
I'm not sure if he was pulling my chain or not (he likes to do that) but UGH!
I've been doing the Drop It challenge for a bit over a week now. So far, so good. I've actually been eating a salad everyday for lunch! (Unheard of! Esp with grape tomatoes ...)
I haven't found it too difficult yet. And it appears to be working - have lost about two lbs. 5lbs to go to get back to my Jan 1 weight. Sigh.
Today was day 5 of my Stepbet. I just need one more active day for this week.
I have decided to do barre videos at home instead of messing with going to a class. At least for now.
AMEX sent me an upgrade offer to the card that pays 6% back on groceries. Annual fee waived the first year and $150 bonus when you spend $3k in the first 3 months.
Sweet. My property taxes will take care of $1400 of it, then there's a chewy.com (cat food) offer spend $75 get $25 back, plus use it for groceries ... no problem.
I'll just have to set a reminder to downgrade in eleven months.
I opened two more accounts.
One with the MoneyBank - make 3 $200+ ACH deposits and get a $100 bonus.
The second with another Christian based credit union (which does include Catholics unlike the other one) for a 12 month 4% CD for $4000.
I haven't closed Northpointe yet because I'm waiting for my dd to get switched.
I was talking to DH about it and he of course was like, "Why don't you give me the money - I'll make a lot more than 4 %." Oh yeah ... like the 2.6% you barely eked out after 6 weeks (stock he bought and sold) Rolling my eyes.
So back when we figured out how to squeeze $1k/month for our ROTH's from our budget. one of the things we did was to say that we were not going to budget any spending money. Spending money would come from non-main job hours/activities. (Swagbucks, etc for me)
After a few months I saw that DH wasn't getting any spending money and was worried that he'd get frustrated and want to stop the ROTH funding. So ... I said -why don't you keep anything you make over $120 on Friday and Saturdays? (cash) He'd been fairly consistently bringing $10 - 20 over that on those nights.
Then ... he had nights where he was bringing in $50 - 80 above that! There were also a few Fridays where he came in significantly under $120. Or weeknights where he was bringing in less than usual.
It was making our budget very squeaky.
I kept waiting for him to say something like - I shouldn't be taking all of this extra on weeks my other nights are low. Let me even it out.
So at our last budget meeting I brought it up. He wasn't too happy, but wasn't surprised either. Mostly he was annoyed because I was tinkering with our budget plan again. (Which I think is funny because there's been at least two times where the major changes came as a result of something he wanted ...)
So we agreed to a base amount he would contribute to the family budget. Over that, he gets to keep it. This will help keep the budget more even.
But ... the other night he tells me that he's now more motivated to work harder at work because he knows it means more money for him. I asked him why didn't it motivate you to contribute to the family budget? He said ... The family budget has plenty of money. This is MY money.
Anyone see something off here? Or is it just me?
I really wish I'd never brought the idea up in the first place.
*Note - I'm not posting this to be negative towards DH. I honestly just am wondering if my thoughts on this are off base or not. Maybe it's a case of where we both are still struggling with the his/hers/ours thing. We both were so old getting married .. both pretty set in our $ ways ...
So today I went to the health fair put on by a combo of the city/county people. There were a few new booths that weren't there last year.
One was a booth where you could get your blood typed. I did that because I had no idea what mine was.
I'm O+! That means not many could donate their blood to me, but mine could go to anyone! This makes me feel almost obligated to donate.
Another table was a fitness center in downtown. They offer barre classes.
I've been wanting to try barre for a long time. The only place I knew of that offered it was in the far South of town.
It's $15 for one class, but you can get class passes to reduce the cost - i.e. $425 for 50 classes.
They offer them at 5:15. So I'd have plenty of time to make it there from work.
I so want to do this.
But I'm spending so much on the cruise ... I have enough for the cruise, but need to save for the flight and tips. And general spending money.
Even if I sold everything salable (i.e. fluff worth something) I might get $100 at most.
I really want to do this class. Maybe I could just do the one ... I may not even like it (doubt it)
I need to set aside money for replacing my phone and my computer too ... even though neither will be for a number of years.
I need to replace my shoes - both work dress shoes, sandals and sneakers.
Too many places for money to go and not enough coming in!
I really need to figure some way of bringing in more spending money other than Swagbucks/koinme/perk/earnhoney/inbox dollars/bank interest/cc rewards.
Maybe I could try selling my plasma ... the last time I tried, I chickened out. I don't like needles much.
Today I was able to see my paycheck for Thursday - my raise is reflected on it! It looks like about $50/paycheck (*26) Not too shabby.
That plus the extra $10 from the tax cut thing ...
So first thing I did was change my withholding on my W-4 from 1 to 2. I figure it to be safe enough since we got back over $800 this year.
Then I changed my 457 contribution up $50.
The net result will still be a little extra in the paycheck, and an extra $1300 in my 457.
I'm about halfway finished with book 9! Back on track.
I'm mostly finished with setting up my bujo for March. I left out a few things which I ended up not using, and added a few things.
One thing I added is a 31 day drop it challenge. Basically going extra strict with my eating / exercise - hoping it will jumpstart the weight loss again. I'm up about 8 lbs from January ...
Last night DH and I went on a private tour of the cave his family used to own. There is a brewing company on top of it now.
J, who has written a book about the cave was our tour guide. A few weeks ago DH had spent a few hours with J in the cave. J told me he'd added a section in the book about the visit. The book should be out in March or early April.
I was really impressed by the cave. It was more than I thought it would be. A couple places J took us into areas that are off limits to the general public. Generally, where the bats are.
In one place if I had stood up, my head would have bumped into a hibernating bat! It was so tiny that I could have easily cupped it in my hand.
I would have taken a picture, but DH had my purse (he'd stayed on the flat surface) plus I don't know if it would have bothered the bat.
DH's stepdad had given J a sand art bottle filled with sand from the cave. J offered it to DH - and he happily took it.
*Please ignore the mess in the background
I can hardly wait for the book to come out!
I got the last tax form I needed today. Will be getting $833 Federal, and $135 State.
We'll do our usual 1/3'rds - 1/3 - Future (EF); 1/3 - Present - (budget items - probably car repair and pet fund), and 1/3 Past (DH's student loans)
Tomorrow my new paystub should post so I can see if my raise has gone through yet and if the tax cut has gone into effect on it yet.
I cashed out Inbox Dollars for $27 last night, and tonight I cashed out Koinme for a $50 Walmart card
A few days ago I was checking my credit cards and noticed a $41 charge for Planet Fitness. Oops! Had it really been a year since I changed my plan?
I called on Thursday to find out if I could get the fee refunded after canceling. Nope. And to cancel I'd have to go into a location.
So, I did that today. I hadn't been there since sometime in April. I told myself I'd go back when the weather got bad again, but then they were doing road construction which made it a pain to get to ... and I just got out of the habit.
Right now I'm focusing more on getting habits going on taking care of the housework, and fitness throughout the day - so taking 1 1/2 - 2 hours (between commute time and actual workout) to go there ... not worth it at this time.
I stopped at Dollar Tree and picked up some groceries - some for me, some DH had requested. $24
Then I stopped at HyVee and got .6 lb of Brazil nuts - $7.29 (should last for several months - we eat 2 - 4 each week for heart health.)
I made a bit of a mess getting them - the bin just opened up a bit faster than I was ready for - nuts went all over the floor. Oops. I swept it up as much as I could with my foot, then got a store worker.
Tomorrow I need to get toilet paper and some other groceries.
I'm still doing fairly well with bujo. It's helping me be accountable even with I'm so tired all I want to do is lounge. I haven't done any of my bi-weekly tasks yet ... but it hasn't been two weeks yet!
I need to find a source for good suggested memory texts. I have Is 40:31 memorized, but need a new one for my memory work task. I'm wanting ones which help me stay in a positive frame of mind (since sometimes that is very hard lately to do.)
I don't know if it's feeling accountable to my bujo, maybe having a little more energy, or what .. but I've been getting things done the past few days!
Yesterday I did laundry (AND got it put away correctly ..) washed some more dishes (ran out of hot water again so didn't finish), 2 hours of grocery shopping and putting things away, and got caught up on receipt pal/hog for receipts.
Today I cleared off all the doors (I have a bad habit of hanging stuff on door knobs or over the top of doors ...), finished the dishes, made veggie chili, made black bean burgers, prepped potatoes for my lunches, swept the upstairs, kon married my dresser, and some other things I'm forgetting.
32 oz Walnuts - 12.96
32 oz ground flaxseed - 6.76
Smucker's All Natural PB (no oil, no salt) 16oz 3.32
6 oz Pepitas (smoothie) - 2.98
bananas - .44/lb
Date almond rolls - $4.98 (addictive!)
1 can of pears lite syrup - $1.08
I was really annoyed with the CS at Walmart and the Walmart Pay app. With Apple Pay you still get a paper receipt. Until last night, I was able to request a paper receipt from a cashier and get it. Last night though I used scan and go so had to go to CS desk. Ugh! What a waste of ten minutes.
3 burritos (husband) $3
Jamacian Style veggie patty - $1
TJ Farms frozen veggies - $3
3 pk Mandarain oranges - $4
frozen berries blend - $2
various household stuff - $6
*out of a lot of stuff! 3 weeks in a row
2 cans garbanzos - $1.30
veg broth - 1.79
frz broc florets - .89
red onions - .79
cucumber - .49
3lb sweet potatoes - 1.49
3lbs navel oranges - 3.69
bag baby carrots - .99
*used a raincheck for canned diced tomatoes
8 14.5 oz cans diced tomatoes 3.12
Bragg's Apple Cider Vinegar -- 16 oz 3.45
16 oz flat leaf spinach - 3.99
2 sparkling waters - 1.38
I met with my supervisor today for my 3 1/2 year check-in. My score was higher than last year (whether that means anything really or not ...) but the end result is I got my next step raise of 2.5% That puts me at ~$16.28/hr if I'm figuring it correctly. It should go into effect by my 2nd February paycheck.
Once I see the first check with it, then I'll figure out how much I'll up my 457 contributions. I currently do $100 per check (26 checks)
I'm now making about what I did my 4th year of teaching ... My 8th year I was in the 40k range. Sigh...
I miss the paycheck, but not the hours or dealing with parents of perfect kids.
I forgot my purse at home this morning, so I had to stop by home to get it in order to make my weekly deposit of DH's tip money. That meant I went to the 84th st location, which made stopping at Aldi's a no brainer.
Right now Chase is doing a promotion where they pay 5% if you use one of 4 mobile payments systems with the Freedom card. I usually use our Citi card once we've maxed out the debit card transactions (for our accounts that pay checking interest) but for the next few months where Apple Pay is accepted, I'll be using that.
After Aldi's I stopped at Walgreen's to pickup a fedex package I'd had held there. (love it!) It was my blackstrap molasses, iodine supplement and Amla powder from Amazon.
My bullet journal stuff should arrive tomorrow.
I plan on having
1. Monthly calendar spread
2. Daily habit tracker spread
3. Bi-Weekly Chores tracker
4. Monthly chores tracker.
2, 3, and 4 are kind of the SHE system all in one place.
5. Anything Goes page - a place to record phone #'s of places I need to call w/acct info, etc. Essentially one place for all the scraps of paper this stuff normally goes on ...
6. Dailies Pages - Record anything that needs to happen / remember on a specific day
7. Memories - Things I want to remember that happened that month
8. Gratitude's - Things I'm thankful for
Info Pages -
9. Swagbuck offers Info / how to cancel / when / crediting info
10. Items I want to sell - where listed, how much, when did they sell, etc
11. Library books - title, when due, etc
12. Books I want to read
13. Movies I want to see
14. Recipes I want to try (use post it notes - include info about book, web, page etc.)
15. Memory Verses Learned
16. Books read with short reviews
17. Movies watched with short reviews
18. Recipes tried and liked (post it notes so easily moved to new journal or to daily page for planning)
19. Master Grocery List - A cumulative list of common items purchased each week. Use a pencil to mark the items you need the current week - mark in pencil unit price to track when its on a stock up price
20. Spice Index - list of spices owned - mark in pencil when running low
21. Wants List - Write in pencil things you think you might want - research, wait at least a few weeks ...
22. Home repairs list - big list of things that need to be done
23. Medical appointments (all in one place)
24. Vet appointments /vac records, etc
25. Car Maintenance
Other things I haven't thought of yet.
The index makes it easy to find what you're looking for so you don't have to worry about pages being in an organized order.
The journal I bought has a pocket where you can keep photos or other items.
There will be little artwork in my book - drawing isn't my forte.
This journal will go with me everywhere. It'll become my second brain.
Morning Pages - I have a tendency to be wordy sometimes, especially when upset ... The idea of the morning pages is that you write out by hand 3 pages (1 1/2 sheets) of unedited, unfiltered thoughts every day. It's a way to process thoughts which may not be good to share with others, or just get the creative juices flowing.
It's suggested that you don't reread them at all for a few months - in order to build your confidence/desire to keep up with it with no judgement
The past few months I have seen the Crisper Pan in various stores. Essentially it is something that turns your oven into an air fryer.
I've debated and debated about it, but didn't pull the trigger. Mainly because I couldn't find anyone "live" to give their opinions.
A couple days ago I encountered a "live" person! She enthused about it.
So yesterday I stopped at Bed Bath Beyond and bought it, plus a huge copper/non-stick frying pan (to replace ours that is warped ...)
I used our gift card from our wedding, so no oop.
I probably will use it tomorrow to roast some veggies. Can hardly wait to try it!
Something else I've heard loads and loads about for a number of years ... bullet journals.
They always seemed way over complicated and expensive with all the artwork and stickers and and and ...
But this week I read a discussion on the YNAB forum about them, which made them seem much less intimidating.
I purchased two journals from Amazon - one for the bullet journal, and one for something called 'morning pages' About $20 altogether.
I plan on keeping it pretty simplistic as far as artwork goes.
I've tried using todoist to keep track of tasks, but it just is too much. The SHE system .. never really got it off the ground.
But I think that this may work for me.
DH got stuck in a snowbank last night. Called me at 3 am to look up 24 hour tow places. He got home about 6 am - just in time for me to have to get up and going. Yawn ... so tired today.
He has towing insurance - reimbursable. So it was a $53 charge which we'll get back - but also get cc points for.
Normally TH night is one of our two nights together, but DH is meeting with a guy who is writing a book about a local famous cave. DH's stepdad's family owned the cave / land until the early 2000's. DH conducted many tours of the cave and his picture was in the paper a number of times in relation to the cave.
Hopefully he gets home soon though - I'm not sure how much longer I can stay awake. Plus he's supposed to be bringing dinner!
Last night I stopped at Dollar Tree, Aldi's and Russ's.
I spent a total of $37, although some of that was stuff for DH.
A few dollars were also because Aldi's was out of SO much, so I had to substitute or get it elsewhere.
DH also spent $12 on grocery items last night.
We're looking like our total grocery spending (non-gift card) will be around $150 this month!
This week I need to pick up more cat litter and also refill our water jugs (for cats water dishes)
I can't think of anything else.
So ... yesterday I was updating our budget and was wondering why our income was so low. I figured out approximately how much more should be coming in, and it was a good $500 less than last month.
I knew DH has had several low tip nights, but that really only accounted for maybe $150.
So after doing some more sleuthing, I realized that DH's paycheck from the 12th had never been deposited!! That was about $300 (he gets paid a paltry hourly rate, but gets decent tips usually in cash, plus delivery fees to cover gas)
I thought I remembered him giving me the check, but it wasn't in my purse. I was starting to worry that maybe I had lost it!
Before I decided to tell him (major egg on my face) I thought that maybe I should look through all the paper junk on my desk.
After about ten minutes of searching, I found the check! I really need to encourage him again to get his dd info to his employer. Yikes.
Of course, it would also help if my desk wasn't a huge pile of papers ...
Today I got the tax form in the mail for SIL's money. The weird thing is that it shows part of it for 2017 and part of it for 2016 on the same document.
Does this mean I'm going to have to amend my 2016 taxes?! I sure hope not - never have done that before. Ugh.
DH and I ate at Ihop Thursday night. I bought a gift card via swagbucks and got 125 SBs for the purchase.
I ordered off menu my DH didn't think they'd do it, but they did. We used the whole $25 card.
My car was getting pretty dirty and I was worried about the salt/brine - so today was a 50 degree day here and I decided to get my car washed. Along with half of the city ...
I paid $20 for the entire works ... I know, not the most frugal thing, but my car hadn't been washed since August... and I usually do the DIY wash and go places. So .. a splurge.
I have spent more on groceries than I was hoping for, but it still is under what I had been doing. Work in progress.
I have a 32 oz wide mouth jar of blackstrap molasses - I'd really like to find a pump lid for it. Any ideas?
I cashed out $75 in PayPal so far this month from Swagbucks.
I also cashed out for a $25 Amazon gc from Perk.
DH is making use of our tv setup. We watched the Viking's game on Sunday (Yay!) and he was watching the news when I came home tonight. So, it seems as though it was a well spent $40. I still need to figure out if we're getting channels from just the converter box or from the antennae and box.
I'd been noticing that we hadn't been receiving the weekly sales papers in our mailbox - since at least December. I mentioned it to DH and he suggested I call the local paper.
Instead I posted on Nextdoor asking if anyone else was having this issue. Most responses were no, but there was one other yes. I had someone from the local paper pm me and tell me we should have been having a newspaper delivered on Wed and Sun since Thanksgiving!
We'd somehow been selected for a complimentary subscription through February.
I wrote back and told him we had not gotten any papers - at least not that we'd noticed - we don't use our front door hardly ever!
He told me he'd talk to the courier and have a supervisor check on it (this was Tuesday.)
Wednesday morning I walked out our back door to find a newspaper there!
I'm anxiously waiting for Sunday's paper full of coupons!
Who knows how long this will last, but I'm all for it. As long as they start delivering our sales papers again once the complimentary subscription is over.
Anyone ever hear of something like this?
The last few water bills (billed bi-monthly) have been $112, $110 and $90. Around the time of the $110 bill we had a leaky tub faucet fixed. I figured it would make some difference, but not a huge amount.
Guess I was wrong! Our latest bill - $65! That's about what it was when we first moved in.
Will help make up for the gas bill ....
So ... I've decided to go back to my eating plan I did last January. Essentially eat on target 6 days a week, and then 1 day a week anything goes (within reason.)
Partly this is because my DH is getting more and more unhappy with the meals we can share ... when I told him my decision last night he estatically said - Yay! Little Ceasar's!!
Partly it is because no matter how well or unwell I eat, it seems to have no effect on my energy levels or feeling well/healthy.
Partly I just want to reduce my stress level ... (as evidenced by falling apart in my car after work yesterday when I slammed my fingers in the door ...)
I'm just tired all the time. Feeling blah all the time. No energy. And to top it off, it now seems as though Aunt flo is going to be paying multiple visits per month ... Yay ... 42 .... I think its so unfair for woman who'll never have a child to have to deal with that. At least woman who have a child get something out of the 30+ years of monthly misery.
So .. spending ...
junk at Walgreen's two days in a row - covered by rewards dollars ...
Later tonight ... Little Caesars -~$9
Ok, so last night I stopped at two stores.
Aldi's - $18.81
Spring mix -- $1.99
Yellow mustard 20 oz - 0.65
Brown rice spaghetti - 1.89
3lbs red delicious apples - 3.39
2.16 lbs bananas - 0.95
6 oz bag of pepitas - 2.19
frozen Brussel sprouts x 2 - 1.78
Veg stock - 1.89
Unsweetened almond milk 32oz - 1.99
4 oz canned mushrooms x 2 = 1.10
razor - $9.99
Airwick refills (2 pk) - 6.99
Get Well card - 2.99
Daytime cold/flu syrup - 6.29
Black cherry water - .99
Ordered from Amazon
2 pk razors (different type) - 9.99
silicone ice cube molds (for freezing lemon juice) - 11.99
Used a $5 gift card
Cost $18.31 (after taxes)
This morning I made a 3 bean veggie chili for my lunches. In a bit I'll be washing dishes and some other chores.
Later tonight I'm making barbeque and roasted potatoes for dinner (soy curls and homemade bbq sauce)
Swagbucks is being torturous to earn anything right now. Geesh! Luckily I completed a 50 sb survey on my second try today, otherwise I may have just given up for this month. (getting monthly master bonus)
I really need to get outside today - a balmy 34 degrees! I walked to the library and back yesterday in 22 degrees.
I should finish book #2 today, and start book #3 - The Complete Idiot's Guide to Plant Based Nutrition. I saw it recommended in several places, so am curious to see what it may offer.
I updated our YNAB budget with all of the end of 4th qtr amounts. Our networth went up 4.6% for the 4th qtr. (I only update retirement/investments at the end of each quarter.)
I'm starting to feel somewhat better finally - a little bit of energy even. Hopefully this means I'll get some tasks accomplished. I'm SO far behind on stuff it isn't funny ...
Saturday, January 6
So I'd noticed my gas light blinking on Thursday when I was heading into work. After work on Thursday I knew I needed to get home sooner than later since we were going out to eat.
So, based on other times where my light started blinking, I figured I'd be fine til after work on Friday.
So .. Friday after work I did my usual stop at the credit union, then I stopped at Walgreen's to pick up a prescription, and headed towards home.
I'd planned on getting gas at a station a block from my house, but since I was passing a Russ's, decided to go ahead and get it there.
I pull up to a pump, turn off my car and get out. After swiping my card and trying to select my fuel, I realized the pump was not working. So I canceled my transaction, and got back in my car to pull forward to the next pump.
My car wouldn't turn over. It wouldn't move. There were lots of scary lights lit up.
Trying not to panic, I turn my car off and restart it again. Same thing.
I try calling DH, but his phone wasn't in the room with him (had been giving him issues) so he didn't hear it.
I try calling my insurance agent to find out how I contact roadside service. Voicemail.
I try looking up the number of my insurance company to see if the roadside service number was listed. No bueno.
I try calling the ins. company ... endless phone tree only to find out they close at 5pm EST.
Finally I call my brother - about 3:20 pm his time. He doesn't answer, but calls me back. He was in a meeting with some clients. (That's what I was afraid of ..)
He listens to me, and tells me it probably just is out of gas. So put it in neutral and push it forward to the next pump.
That's what I did - pumped gas ... voila! Running car!
No more waiting til the last possible moment to get gas for me!!
*My agent called me back and told me my service is where I contact someone to do whatever, and then get reimbursed up to $100. I had Geico most of my adult life, so was used to their system.
Daily Dozen - 4 days of 90% completion
Still reading book 2 of 52
No refined sugar since Sunday
Today did first real exercise in who knows how long ... walked to the library to return some books and pick up a few. 22 degrees out .. balmy
Thursday - $11.41 Granite City restaurant w/DH
*$20 gift card, left $7 tip for great waiter
Friday - $27.86 gas
Prescription - $37.63
Planned spending tonight (Saturday):
Walgreen's - razors, cold meds ~$20
Today was my first day back to work. I still wasn't feeling great, but not enough to stay home another day.
Went ok, though I definitely was TIRED by the end of the day.
I weighed myself this morning so I can have a starting weight for a 5% loss. I think it is doable ... if I keep eating well and get consistent with exercise...and don't just maintain for the next 12 months like the last six ... Even if I *just* maintained, that'd still be a win!
Daily Dozen - 90% (no exercise)
3 tasks: Cleaned cat boxes, washed dishes, made pumpkin nut muffins (for easy to grab snack)
Book 2 of 52: about 1/2 way done
We received the $1,038 reimbursement check from the railroad for SIL's funeral expenses. Since it comes from an annuity it's taxable ... bizarre considering it's supposed to be a refund of sorts ...
We'd already been reimbursed from the estate (which we told them) so ... we did the 1/3 to the future (Emergency Fund) 1/3 to the present (fence fund) and 1/3 to past/debt (DHs student loan.) I paid the student loan today - it had $128 at 6.8% interest. It was the smallest of them, but I just didn't like having that interest rate. He has about $3k left. His IBR payment is $51.81 - the other interest rates are 3%.
I'm not too worried about knocking this one out fast .. we have so many other places for our money to go, and the interest rate is less than our mortgage.
I wish I had dallied a bit on getting the paperwork in though ... the check was dated in 2017. I had been hoping for it to be dated 2018 for tax purposes.
Oh well. Who knew this was going to happen when I sold some of my stock earlier this year? We may still be able to *squeak* under the tax savers credit limit, but I have my doubts.
I decided to do my first grocery spending on Dec 30 instead of Monday due to the lovely below zero temperature we are enjoying currently.
Some items were purchased with a giftcard / on Amazon. I'm still counting those items towards my total $160 personal spending budget. I also bought a few items DH requested which will not go towards the $160 total but the general food budget.
My goal is to eat healthily without spending a lot.
3lbs of raw cashews - $21.99
1lb Nutritional Yeast flakes - $11.41
*both items used to replace cheese, cream, etc. Should last many months.
Stock up budget - $33.40
4 10 oz bags mixed frozen berries - $4 (smoothies)
5 3pks mandrain oranges - $5 - (work snack)
$3 personal spending budget (i.e. junk)
1 32oz Almond Milk!! $1
Stock up budget - $43.40
Generic Old Fashioned Oatmeal - $2.48
Generic PB2 powder 30 oz - 9.98
Smuckers Natural PB - 3.32
Pecan halves (DH)
Hungry Man x 2 (DH)
Bananas .44/lb - $.86
Bulk lemons $.48/each - $.96
Fresh parsley - $.98
bag of whole carrots - $1.54
4 red delicous apples - $1.64/lb - $2.25
1 green bell pepper - $.78
Stock up budget - $59.18
Produce budget - $7.37
Other items purchased -
Can colander - 1.88
Juicer - $3.97
Egg slicer - $2.97 (slicing whole mushrooms)
Used $50 giftcard earned from koinme
2 cartons veg. broth - 2.98
2 pkgs frozen brussel sprouts - $1.78
Garlic Powder - $1.19
160z walnuts - $5.99 (32oz bag at Walmart is cheaper!)
Organic seeded bread - $3.79
3lbs sweet potatoes - $1.49
2 x 8 oz spinach - $2.49
4 six pack raisins (work snack) $4.36
8oz fresh mushrooms - $1.49
baby carrots - $1.69
Stock up budget - $73.70
Produce - $20.10
Ok, so I went a bit over in both stocking up and the weekly budget. This is a prime example of why I need to write this all out.
One area I know I need to improve on is my work snacks. If I joined costco I probably could get one of those huge things of raisins and a large can of Mandrain oranges and then portion them out ... I'd just have to see if they have the kind not packed in sugary gel ...
At Walmart they had a 32oz bag of Walnuts for $9.34 but I couldn't remember what Aldi's price was, so waited til Aldi's. Now I know.
Currently reading - Treasured Grace by Tracie Peterson
Listening to - Klove on my Alexa Dot
Will be making for dinner - Beefless Stew
and Braised Cauliflower from the How Not to Die Cookbook
So I've been thinking about goals for the coming year. I want to try to keep them fairly simple so I may actually manage to do them.
Big Goal: Lose 5% of current weight
(I lost 10% in 2017 and have managed to keep it off since May.)
Plan - Average 35k steps per week.
Minimal use of processed foods.
Water from the tap, plant milk, and tea only.
Complete the Daily Dozen at least 90% 5+ days a week. (Have a check off list on my fridge)
Big Goal 1: Fully fund both ROTH's - $12k
Big Goal 2: Reduce Grocery Spending - keep personal average to $160/month or less. (not including DH's food) *Check sidebar for explanation*
Big Goal 3: Increase EF by $3k
Big Goal 1: Complete at least 3 tasks daily before vegging at computer
Big Goal 2: Get the office organized with functional files. Put together the bookcases. Keep it that way.
Big Goal 3: Read 52 physical books.
I am not planning on doing the uber frugal challenge, however, I do want to be more transparent with my spending. I think I've gotten lax on being mindful.
So, I am going to attempt to post my spending a few days a week here - starting January 1.
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. 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. 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.
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. 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!
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 ...
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. 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. 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.
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. 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!
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.
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.
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!
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.
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. 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.
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.
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.)
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.
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.
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.
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.
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.
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.
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.
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.
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 ....)
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.
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