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
Viewing the 'Accountability' Category
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.
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.
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 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:
*Put away items from day
*Put together gym bag
*Prepare lunch and breakfast for next day (unless Fri.)
*Clear out sink / empty dishwasher
*Set timer for 15 minutes and do something
*Get something to eat
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.
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.
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.)
The gym was stereo-typically full of people today. Thankfully I was still able to get a treadmill.
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.
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!
I had my interview on Tuesday afternoon. I ended up NOT changing clothes because by the time I found a parking spot, I only had time to put on makeup and skeedaddle.
There were two interviewers - my potential boss and a potential co-worker.
The job sounds so way up my alley! I *think* they liked me ... hopefully my many "you knows" and "ums" didn't turn them off.
I'd have to learn a lot of new computer programs - one of the aspects of the job is being a Jill of All Trades - so I could take over any responsibility in the office if someone's sick or on vacation.
I sent both of them a thank you note today (handwritten) through Interoffice mail. (Hoping that wasn't a faux paux - using IO mail to send a note ...)
About two months ago I bought an 8 oz package of a product called soy curls. It sat in my cupboard till about three weeks ago when I finally decided to make something with it! I did a recipe called "Barbeque'd soy curls"
I made the mistake of telling my DH that they tasted nasty just plain and rehydrated. He wasn't willing to try them, even after I told him that the recipe was decent, when you added some mustard and cheese ...
I ate 3 meals out of it, and then froze the rest. This past weekend I reheated it and ate a 4th meal of it. There was still a good bit left (plus some broccoli.) I'd planned on eating it tonight for dinner.
So tonight I came home, fed the cats, cleaned the litter boxes, put my lunch together for tomorrow, got the dry ingredients ready for my smoothie, emptied the trash in the bathroom and office, started a load of laundry ... and then opened the fridge to get my dinner.
Only it was missing!
My DH apparently saw it in the fridge and wondered what it was, and then ate a few bites ... and the rest was history. So, I guess I will be getting some more Soy Curls. (I had planned on not getting them again.)
Tomorrow night is the Trans Siberian Orchestra Concert!!!!!! I'm just a *wee* bit excited.
We're going to be in a hurry, so will be doing a quick stop at a Hardee's for dinner. It will still be a treat, because L town has no Hardee's. (I love their Mushroom Swiss burger w/o the burger. DH teases me he's going to contact them to find out what the sauce is made with - I told him NOT ON HIS LIFE to ruin it for me like he did with cornbread stuffing (uses chicken broth ...) For some things, I'd just rather not know.
I forgot to mention - I won $9.67 in my Stepbet, and just started a new one on Monday. It's amazing how motivating losing $40 of my limited spending money motivates me to get my steps in!
Just 3 days left of my Stepbet. It's looking like the earnings will be around $10. I'm planning on doing another one, but not until after DH and I get back from Chicago.
Yes, we are officially going to Chicago next Wednesday and Thursday. Driving. Partially to buy DH a car, and partially for a quick get away. I'm thankful Friday will be a holiday for me. Sleep!
Something sad at work today. One of the new employees who I really liked was let go. She was within her 6 month probation period. Not sure why.
At work I learned something else today - about copiers.
When you put paper into the drawer, you should do it "seam side" up. (the seam referring to the paper covering the ream of paper.) You also should do something called "fluffing" the paper (i.e. adding air pockets.)
All to avoid something like this:
(Kind of beautiful in its own way I think ...)
Still going strong on the no soda ... though I had a real test a few days ago - the first day the bus routes changed. STRESSED OUT! But I persevered and bought some carbonated water from family dollar instead. (and ... chocolate.)
Only 13 days till Trans Siberian Orchestra!!
The other day we had a backpack come in to Lost and Found, and inside it was a Nevada Barr book - one I hadn't read!
I picked it up from the library today. (on CD so I can load it on my phone to listen to while walking or in the car.)
I bought some parsnips today. I plan on making them for dinner on Sunday. I've never had them, so it should be interesting.
I also bought a bag of fresh cranberries last week. I put about 1/4 cup of them in my smoothie on Wednesday. Blegh! Yesterday and today I only put 3 or 4 ... much better.
DH emptied out the transmission fluid from his Honda (which he drove through high water last May?) in an attempt to get it working again. It didn't work.
So now he's on the hunt for a used transmission. He thinks he may have found one two hours away for $150. He just needs to find out if it's vtech or not?
If he can get the car going again for $500 or less, then it should be worth it. Otherwise, he may be ready to sell it. (It's a 2001 Honda with around 149k miles.)
So, it's been about 9 days since my last entry. It's been busy and tiring and stressful ...
But ... I'm still doing well with no soda, and fairly well with the DD. Almost finished with week 3 of Stepbet.
Last week I had several pizza indulgences which I think my system did not like at all. Hence being sicker than I have been in a long time this weekend. I'm only now really recovering.
I've told DH I want to lay off on any pizza for a good while. And cheese. Not sure if it was the cheese, the grease, the white flour, or bad pineapple topping ...
I hadn't really wanted pizza the last time, but DH *really* wanted it, so I gave in. Ugh.
We were going to go to Denver on Sunday for a car, but DH didn't get enough sleep, so we scrapped the idea. I was so glad because I really didn't feel like driving there and back in one day. At all.
I just wish a car would magically appear within an hours or less drive that was PERFECT for what he wants.. So this car search would be over.
This coming Sunday DHs work is having a 2015 Christmas party ... catered by Outback Steakhouse. Yuck. DH actually wants to go (to the first part at least - second part is a party bus - double yuck.) So ... I'll eat something before we go and see if they have some kind of non-alcoholic non-soda drink ... dreaming, right? (water of course ...)
The following Sunday I have 3 - 4 hours of overtime at work putting new schedules on the buses, and then I'm volunteering at a local church event celebrating world food cultures. That's going to be a long day.
Last week I went out to IHOP by myself, and then I went and saw Sully. I really needed an evening out.
(I liked Sully, although there were parts of it I was going ... come on already! Part of it may be that it was pretty late and I was tired though ...)
DH and I had a pretty frank health discussion. He told me that he pretty much has decided to not really make any changes in his habits yet ... because he has time. My insisting/nagging/conjoling him to at least try something different obviously would not work ...
He also told me he'd rather take a pill than do a diet change.
So ... I guess that's it then. I can't force him to do anything. Sigh.
So ... today I found a job possibility with the city ... pays $2.50/hour more. Same hours. Working at the public library - doing some of what I do now, but adding in a lot more MS Office type work. Not a librarian position (those all require weekends, which I can't do.)
So ... I'm applying.
I don't know how I'd get off for an interview if it came to that. The next two months both of the people who cover my responsibilities when I'm gone will one or the other be gone more than they're here.
I guess if it's meant to be, it'll work itself out. the money sure would come in handy.
I think I'm getting into a pretty good routine now. Most days 70-80% of my food consumption is whole grain/fruit/veggie/nuts/low-processed. Now at over a month without soda.
I saw something on the YNAB forum today called a My Soda Pop (or something like that.) For $75 you could get this reusable kit to make your own carbonated water/juice/soda. Same idea as the soda stream machine, but more environmentally sound. I was interested in it til I saw the price ...
Step Bet - Week 1 (ends Tuesday)
1/2 stretch days, 2/4 active days
I went and looked at my American Express card offers after seeing what CCF posted. I had the Boxed offer a cable/internet offer. These will help me get to the $25 cash out (currently sitting at $16.)
At boxed I bought toilet paper and Madras lentils.
Our poor kitty Baby, the oldest of the brood, doesn't seem to be feeling too well. Thursday night he lost his lunch, and then wasn't interested in the wet food dinner. This never happens. He's a true chow hound.
I made a vet appointment for Saturday morning. I hope it doesn't take too long, because I'm supposed to be doing an announcement for my Sabbath School group at the beginning of service. (Not looking forward to ... but am not going to have to say a word - just be moral support to my teammate.)
I'm wondering if we are saving enough towards the vet category ...
DH and I both had dentist appointments this week. DH didn't think he'd have any issues since he's not had a cavity in 50 years ..... So, when it came time to renew dental insurance this year, I dropped it for both of us.
Wishing I hadn't now.
I had a clean bill of teeth health. My DH on the other hand has a receding gum line. He'd mentioned this to me, but I hadn't realized that was the same as gingivitis.
So ... at his appointment they wanted to do what is called a "deep cleaning." Something which would take at least 2 2 hour appointments and cost $150 after insurance. And this is only AFTER he gets clearance from his family doctor (blood pressure) and his orthopedic doctor (shoulder replacement.)
He feels it would be way too stressful to accomplish this before October 31 (end of plan year.) So ... we are going to hold off on it til next plan year. Hopefully he'll have his blood pressure better under control by then too. Sigh.
DH and I had a long discussion Thursday night. It ended with me saying that IF he found a vehicle that just absolutely SINGS to him, then I would be willing to move a certain amount of money out of the fence fund. (Also, IF he'd commit to keeping the vehicle meticulous so good resale value later.) I did also make sure he realized that it *could* mean that the fence wouldn't happen right away next spring - unless he sells some of his electronics.
This coming week we are going to be going on a short excursion for car hunting / short get-away. Either to Chicago or Denver depending on which area has the most possible cars to look at.
It'll be nice to get away even if just for a short bit. (2 days) Hopefully we'll come back with two cars so the car search will be over for a few years... (This is why I prefer to buy newer models, so that I can buy once and not have to deal with the search again for a LONG time.)
On Sunday we are going to be signing our wills! Also, our DNR statements. It will be good to have that all done. And for free too. (My church's larger organization, called a Conference, has a trust and wills department that does this for church members - all they ask is that the church is remembered in some small way in the will.)
I've borrowed a bunch of books on DIY foods, "easy" vegan cooking, etc from the library. So far 3 books into it, and I'm not terribly impressed ... I am thinking of getting a nut milk bag to make my own milk and butter. DH may roll his eyes a bit ... we'll see though.
I went shopping at HyVee tonight - picked up bananas, apples, brussel sprouts (at Dh's request!), chia seeds, and a couple other things I don't remember. $22.xx
Oh! DH gave me a nice surprise Thursday. When I got home, I found out that after his dentist appointment he had stopped at the local ABC (Adventist Book Center) to see if they had my fave Wham. They didn't, but he brought home some other TVP product for us to try.
I was really surprised because I wasn't sure he'd really heard me when I'd asked him if he'd stop by there sometime if he was awake and out during their hours .. because I was really craving me some Wham. He heard and he remembered.
Still doing pretty well getting my daily dozen in most days. (At least about 70 - 85% level.) Still holding strong on no soda.
I'm working on my meal plan for this week, and plan to get some Kale to try out Ceejay's kale chips, and try out Kashi's idea too.
I found a recipe for making baked apple slices in the oven (rather than the dehydrator) so might try that too.
My grocery budget for the first week at least is going to be helped somewhat by a generous gift from my church's ladies group - a belated housewarming/wedding gift. My walking buddy brought it over last night - two kinds of ravioli from Trader Joe's, organic marinara sauce, veggie meatballs, salad mix, can of black olives, two baguettes, a set of measuring spoons and cups, and a silicon spatula. All in a container which can be used as a serving dish.
Okay, September wrap up:
Mortgage - 526
Extra Principal - 25
Natural gas - 26
Electricity - 139
Phone - 52.27
Water/Sewer - 86.82 (bi-monthly)
Internet/Cable - 54.95
Netflix - 10.71
Groceries - 296.91
Car gas - 274.49 ($50 or so for MN trip)
Tithe - 130
Giving - 30
Car Maintenance - 129.48
Clothing - 23.45
Phone/Garmin replacement - 25.93 (new Garmin warranty, back-up phone DH)
Household - general - 46.95
Pets - cats - food/litter - 70.95
Pets -cats - medical - 24.39 (felliway dispenser)
Pets - non-cats - food - 13.49
Fitness - 41.85
Laura birthday/entertainment (trans siberian) 108
Date night / eating out - 63.85
Catifying - 15.87 (materials to attach cat tree to wall in living room)
Laura fun money - 19.39
Student loan - 51.38
Medical debt - 178
Money was set aside for multiple categories not shown above .. because nothing was spent in them for now.
We had our October budget meeting on Thursday night. It was kind of fun due to my 3rd paycheck and overtime hours. We put $200 into each of our spending money categories (been getting about $40 each), an extra $300 into repaying medical debt (actually have enough to pay half of it in full right now - just need to find a card DH would qualify for with a $1k spend and good sign up bonus, or even a $500 spend with good sign up bonus ...) We also allocated extra to some other categories.
DH agreed to do a $100 extra principal payment to the mortgage after I explained to him how making the little boost payments would save us huge amounts of interest / time in the long run.
DH made the commitment to only one 20 oz soda per work night, and I have made the commitment to not taking more than one servings worth of chocolate/junkfood into the office at a time. This will be helpful to both of us.
Ok, I need to get my walking clothes on and get out there before it's dark. May go ahead and do some grocery shopping tonight too. (Since I did some cleaning last night before my walking buddy came over ...)
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