Saturday afternoon I went to a local park to join a group of church members - some bike, some walk. Yesterday I was the only walker. It was pretty humid and the sun was beating down, so I thought I'd take the path with the most shade. However, after the short jaunt from the parking lot to the path where you decide your direction, I changed my mind.

Why? Skeeters!! I was being attacked by hordes of mosquitoes. So I chose the more open route.

45 minutes later I came back. One of the bikers was there at the parking lot and told me I had a swarm of mosquitoes all around me. I didn't even know ... I guess the sweat on me made me not feel them or something??

Will definitely need to be getting some bug spray before my next outdoor adventure!!

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This morning I made oatmeal-banana-greek yogurt pancakes. They are so good! My first pancake turned out really good. I was able to spread out the batter in the pan with no issues. The second one though ... as I was spreading the batter around, half of it ended up falling out of the pan onto the burner!

I quickly turned the burner off and used one of the back burners (not as big as the pan and a little off kilter.) I'm just glad I didn't set off my fussy smoke detector!

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I cashed out for a $25 AGC from PerkPoints last night. Now let's see how long it takes to get enough points for the next one ...

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My weight had gone back up for awhile ... but the past month or so it has been going back down. Today I weighed in at the lowest in 3 months. Now if I can just keep that trend continuing!

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I'm considering making a new savings goal - enough to pay for 8 30 minute personal training sessions. That would be enough for 4 weeks of 2 sessions. I would use it for strength training only. I need to find the gym's brochure with the actual costs, but I think it was around $350 for 8 30 minute sessions. (It's $50 for one 30 minute session, but you get a break on multiple.)

Maybe starting in August, I can "pay" myself $10 every time I go to the gym more than 1x in a week.

Before I'd actually commit to a trainer though, I'd want to interview them thoroughly. I've been doing a lot of reading on it (strength training) and know exactly what I want - so would want to make sure the trainer would fit with what I've learned.

I had a pt once before, only for strength - liked him a lot, but I don't think I really made that much progress. I think I'd be a lot more pushy now about getting exactly what I want out of it.

I don't know if I'll really be able to bite the bullet on paying for it again or not ... last time I think I used part of a tax refund. Just thinking about it right now.

So I just got off the phone with NE. He got a call from his sister letting him know that their aunt had died.

This wasn't really unexpected because she'd been suffering from Alzheimer's for awhile, and not in the greatest health.

What WAS unexpected was how long ago she had died.

ONE MONTH ago!

NE's sister was contacted by the aunt's son to let her know that the aunt had left her some money in the will. Otherwise who knows when she would have been told about the aunt's death.

Apparently the son got all hissy fitty with her because she hadn't come down to take care of the aunt last summer.

Oy vey.

NE is going to have to call this guy because he also was left something in the will. If it is the same or similar amount as what his sister was left, it'll be enough to pay off his surgery debt and have some left over. That would be a huge weight off his (proverbial) shoulders.

I just hope this guy doesn't try to berate NE for not coming down there .. NE would not let that fly. (He hadn't been asked to do so in the first place.)

Just wow. I'd feel so awful finding out a month AFTER a relative died. No chance to go to the funeral (if there was one?) etc.

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I cashed in for my second $25 PayPal from Swagbucks today.

I went to the gym yesterday after work. Barely found a parking space - guess they have some kind of swim meet at the outside pool?? When I was leaving I picked up keys off the key board .. walked all the way out to my car ... and realized I'd gotten the wrong keys!! So trudged back and exchanged. Ooops. Don't think anyone missed them ...

Five weeks from now and I'll have been at bus company for 1 year! And I still have people coming by the window sometimes asking where the "other older lady" is. (she retired)

Spending: Monday - None (other than buying Fitbit stock)

Tuesday - None

I have a good amount of stock in an electric car company - mostly inherited, but some that I personally bought with my own cash or with money rolled over from a company 401k fund. I've been wanting to diversify it a bit with another single stock, but hadn't found anything cheap enough or interesting enough.

With the recent IPO of Fitbit, that changed.

I love my Fitbit, and from the many articles I've read, it seems to be a pretty healthy company (ha ha - no pun intended, really) with good growth potential. I'd forgotten about the initial IPO date, so unfortunately wasn't ready to pull the buy card at the start of the bell Thursday.

So I pulled it this morning. I had $170.00 cash in my brokerage account which was leftover from the rollover where I purchased electric car stock. So I bought 5 Fitbit shares. I want to buy more than that though, so I went ahead and sold 5 electric car shares, which netted a bit over $1k after the trade fees.

I tried buying more Fitbit after work today, but I got a popup saying that if I put the new order through, my other one would be canceled. ???? So I guess I'll have to wait til Monday and hope the price doesn't go up too much by then.

All of this trading and selling and buying was done in an IRA account, so whatever tax consequences there will be won't happen for another 20 years.

When I put my own cash money into the electric car stock, it was roughly around $1k. Enough to buy a good amount of stock, but not enough to hurt if I happened to lose money on it. That's kind of how I figured how much stock I'd go with for Fitbit.

I'm curious to see where this will go.

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Hectic afternoon at work today. Have a new story for my bus chronicles - might do one tomorrow.

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Did some grocery shopping this afternoon. bread, fruit (bananas and oranges), cheese, frozen vegges, chocolate, soda ... $18.41

Also stopped at a local green grocer type place (OH) and treated myself to some stuff from their deli - curried tofu, cajun yams, and a spinach/lentil, etc. patty. $6.31 It was either that or give in to my strong desire to order pizza ...

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I'm reading a really good book by Elizabeth Musser right now - Swan House. I've read other books by her, and they were also very good. (Christian, romance, historical, major issues like racism, poverty, etc.)

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I got paid for my part time parking garage job! $73.65 - that is one 8 hour shift (although it wasn't actually a full 8 hours, because I left 30 minutes early after being told I could if I wanted to.)

I don't know when I'll have another shift though, because it seems like all the available ones are on Saturdays. Sometimes having beliefs that are so different from the mainstream can sure make it hard to find the extra income (and sometimes the main source of income too ... so many jobs I've had to turn down over the year due to Friday night/Saturday issues ...)

Note - I am an Seventh-day Adventist. Similarly to Jews, we celebrate Sabbath from Friday sunset to Saturday sunset.

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I think I have settled on what my August trip is going to be - Des Moines -- Friday - Living History Farms; Saturday - Memories Day (visit church my dad was pastor of, visit various places we lived, etc.); Sunday - Adventureland!; Monday - drive home and recover.

I still need to get the addresses from my brother - our dad kept a list of all the places he lived his entire life. My brother has it somewhere. We lived in three different houses in Des Moines. I'm most curious about the house we lived in where my bedroom was in the finished attic, we had a lake within close walking distance, and I had an awesome friend named Tara who lived across a hayfield from us that had a small stream running through it. Lots of good memories there.

I was in 3rd grade when we moved from there to New Mexcio.

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On Sunday I plan on going to Dollar General to buy frozen fruit, and also stop at Sears to see if they have the shoes I want. (dress shoes for work to replace ones that are falling apart) I'm going to try to hold off til July to actually buy them though so I can put it on my Discover card and have it count towards July's $500 spending.

I've also been thinking more about the Nationwide thing of using the debit card 8x in a month to avoid fees. If I give myself a budget of $20/month for treats (which would be much less than I have been spending) that would mean 2x a week I could get about $2 worth of a treat. So in reality it would be money I'd spend anyway (realistically) and $20 not put on the Discover or Swagbucks cards isn't going to be that big of a deal. And it's only for 3 months + 2 weeks.

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A good friend of mine and her family are doing fundraising to pay the fees to adopt a baby boy from Papau, New Guinea. They were missionaries there this past year and were asked to adopt this particular child, but before it could happen, they had to come back to the US. I'm thinking that this might be where my charitable giving will be going starting in July.

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So that's all for now folks ... (bet you thought it was never going to end ...)

So NE has still has a large amount he owes for his surgery over what insurance covered. He's been paying what he can each month. I asked him a week or so ago if the place took AmEx, would he be good with the idea of my paying a portion (maybe $500 or so) and then sharing some of the cashback.

Last night he told me he got a new bill ... and drumroll please .... they take AmEx! So my dilemma about how to get the spending requirement finished is done! Even if I only keep 1/2 of the cashback, that is better than none (or purchasing grocery gift cards from future months grocery budget money.)

We're going to work out the details more on Sunday night.

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The above news is especially good since I'm planning on attempting the Discover deal of spending $500/month for 5 months for $75 starting in July (I think.) If I put everything on the Discover, I should be able to do it pretty easily.

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I forgot my lunch at home today. Luckily I had a tortilla and vege refried beans in the fridge at work. Still, I wasn't sure that'd be enough, so I bought some things from the vending machine. Yikes! SO expensive. $1 for a standard sized Snickers.

After work I went grocery shopping - English Muffins ($1 each!), eggs ($1.99 for 1/2 dozen OMW!!), Brownie mix (for treat day when I'm on - $1/each!), canned sweet peas ($.89), oranges ($1/lb), bananas ($.59/lb), Morningstar pizza and corndogs ($2.99 each), Amy's Black Bean enchailadia ($4.15 - cheaper than going out to eat or most take out -which I was sorely tempted tonight), 20 oz Cherry Pepsi

Total - $27.18

Two more items I "bought" with rewards points - a can of Pilsbury crescents (YUM!) and a 1/2 gallon of Mint Chocolate Chip Gelatto. I've never had gelatto, and have always wanted to try it. This sounded SO good. Especially for free.

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Edited.

Summary - Rant about bad day at work.

I told my boss that some people here must have gotten ahold of the grumpy sauce this week. She told me she thinks people are just sick of the rain.

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Redeemed Bing points for a $5 AGC today

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My rent check was cashed today, and I heard from the property manager that I can put my keyboard box in the laundry room (big box that I can't break down and will help make my bedroom look a bit more ... finished.)

So Tuesday night after much hemming and hawing I decided to go for it - or at least see if I could find a parking space in a safe area and reasonable distance from the jazz concert.

I left for the concert about 5:40 with my phone at 56% ... Not smart.

Had to use Google maps to find my way there. Even so, got turned around. Finally found a parking spot that was somewhat reasonably close, and had lots of people / other cars.

Put $.25 in the parking meter - after 6 the spots are free, and I parked about 5:50.

I started walking in the direction I thought it was ... only went two blocks when I saw a woman at an outside restaurant - asked her where the place was and was told to turn around and turn left.

About ten minutes later I found the Jazz concert! I was carrying a book, a water bottle and a blanket. The temperature was a cool 97+ degrees ...

I had brought a $5 bill with me in case there was some vendor food that tempted me, but I didn't even see where the vendors were (although I saw a lot of people with vendor type food.)

I found a place to spread my blanket out and preceded to try to be comfortable sitting on the ground on a blanket in the "cool" weather. Not too long into this my phone died. Oops.

Shortly after 7 the band began playing. It was pretty good music. After about 6 songs though, I'd had my fill of sitting on the ground. (I have circulation issues with my feet ... sitting on the ground for very long makes for sleepy feet.) Amazingly that was the same time they broke for intermission - so it made it easy to slip away.

I'm really glad I went, even though the weather made it almost miserable (saved by good breezes.) However, if I were to go again to something like this, I DEFINITELY want to procure a lawn chair! It also would be nice to have company ..

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Walking into work today I found a quarter laying on the ground. Thought it was pretty funny since I had just spent a quarter the night before.

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Today was kind of stressful at work. The phone was going constantly - with quite a few memorable calls. Not all for good reasons. I also had a slew of mail in pass orders for the football bus shuttle. I had to really pay attention so I didn't put an bus shuttle order into the front desk receipt book.

I decided to treat myself after work ... Walgreen's has their candy bars on sale 2/$1 - not a great price considering that's what the NORMAL NON-Sale price used to be ... but better than today's "normal" prices.

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My rent check hasn't been cashed yet. Usually it's cashed within a few days of my putting it in the box. I sent the property manager an email tonight to see if I can find out what's going on. I'd sent her an email a few weeks ago too though, which I haven't gotten a reply on. Hope nothing is wrong.

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I got two more medical bills stemming from my ER visit. One can be paid with AmEx and the other can't. Sigh. I still am not sure how I'm going to get to $1000 spent on that darn card. I'm at about $300 right now - it's so hard finding places that take it. The lure of the $250 cash back made me not consider carefully HOW I could actually do it. I'd always heard that AmEx is'nt accepted everywhere, but the reality is now sinking in ...

I *really* don't want to go the route of gift cards - but I'd rather do that than lose $250! Maybe I can purchase gift cards for the airline I'll most likely book for my CA trip in November .. hmm... (haven't figured out which airline yet.)

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Tuesday spending:
$.25 - parking meter

Wednesday spending:
$3.89 - treats from Walgreens

Earnings: $.25 from in front of bus garage

Yesterday NE and I went out for a lake drive -- we went to a total of about 5 nearby lakes. Before we got started on that though, we had to get a park permit. He decided to get two of them - one for each car. It came out to $39.50.

He didn't have enough cash, and there'd be an extra $2 charge to use debit/credit. For once in my life I actually had the cash on me! (thanks to all the FB sales lately.) Later he was going to pay me back and I told him it was my treat - his birthday gift. (August 3rd - he's HARD to shop for.)

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Sold my folding table via FB garage sale - $5. Only about the fifth or sixth time I listed it. At least it's gone now.

Cashed out for a $25 PayPal from SBs.

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I'm not sure if I'm going to go to the jazz concert tomorrow night or not. I'd really like to, but I'm just not sure about parking in downtown. It starts at 7 - not sure how long it'll last. I could always leave early I suppose. If I had someone to go with me to it, I'd like that much better (especially if that person were to drive/park!)

I'll see.

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Sunday I also went to see Avengers 2, and bought some candy at Walgreens. Shhh...

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A fairly major intersection closed for roadwork today and for at least the next 18 days. As expected I got tons of calls about it/about the detour.

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Spending:
Sunday:
$39.50 - 2 park permits
$5 - Avengers 2
$2 - Candy from Walgreens

Monday - No spending.

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I'm still feeling somewhat sore from my fall on Saturday, and some of the bruises got bigger/easier to see. But otherwise no ill effects from it.

Those that do Bing, have you ever had a monthly bonus? I was just working on Bing and saw a June bonus if I do 625 searches.

So ... I did all the searches - mobile and desktop and got 20 credits. Hmm .. 31 x 20 = 620 not 625?? Anyone know where those 5 extra credits are supposed to come from?

I tried contacting support, but got an error message.

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I got credit for another Pinecone survey, and so was able to redeem for $15.

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My coughing is WAY better .. not gone, but better. Although I still feel uber tired. Didn't help that Kari thought the sun coming up at 6 this morning meant I should be awake and feeding her either ...

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Looks like NE has strep - we went to the local urgent care place last night. I better not get it! (I get strep so easily ...)

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Spending outside of regular bills today: $0

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Saturday night I watched "Disaster Wars" on Hoopla. It was so badly written and badly acted! I loved it.

Tonight I might watch Thelma & Louise A recent Mental Floss article made me think about watching it again, and of course the library had a copy.

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I saw on FB yesterday that Bette Midler is going to be in Omaha this coming Friday. All the tickets I found were on resale sites and only being sold in pairs ... so $88 minimum. I have no one to go with me, and .. it's a Friday night. (I am an SDA, so my Sabbath starts on Friday at sunset.) Bullet dodged there, otherwise I might have been able to talk myself into doing it - even though I have no idea who I would get to come with me.

Now if Kenny G or Jim Brickman come into anywhere within an hour and a half radius ... (on a non Friday night or Saturday afternoon) all bets are off! I haven't been to a real paid concert since 2008 shortly before I was laid off from the oil and gas job.

I love going to concerts. Maybe I could find a concert happening in a 3 - 5 hour radius in August and make that my travel bug/savings goal ... hmm... Two birds, one stone.

This is just the cough that won't go away.

The doctor said my lungs were clear, but sometimes it feels like something is pressing down on my chest or something.

The cough *may* be getting better ... not sure if it is wishful thinking or truth. Although now the cough medicine that was helping me sleep is not being effective, so 3 out of the last 4 nights have had very little/bad sleep.

My mom suggested coconut oil to kill off viruses/bacteria. Not sure if I believe it would help, but maybe if I can find a small amount for not too much ... worth a try I guess.

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My little earphone/headset at work seems to be dying. I came back from my afternoon break and had ten dropped calls in 15 minutes. (New battery - put in a month ago.) So had to use the handset for the remainder. It's kind of funny because at first I really didn't like the headset, but now I am so used to it that the handset just feels SO awkward.

On Monday we're going to figure out where to order a new one (and I'm going to ask if we can get two - one for a backup - apparently these only last about a year or so ...)

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I have been super frustrated with the Swagbuck video apps lately. Either they're having those stupid ads you have to interact with in order to move on, or they're crashing every time you blink. If this keeps up I may focus my video earnings on just Perk. Which stinks because Perk takes F O R E V E R to get to the $25 level.

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My mom was telling me tonight how flooded it is in her area (she lives in the Dallas/Fort Worth metro area) That the swimming pool/rec center in her complex is locked up because of it being flooded.

She said she was kind of feeling aimless after breaking up with latest guy ... so I gave her an assignment. She has to find her local library, GO to the local library, talk with a librarian to find out any volunteer opps, and check out any activities the library may offer -- by Tuesday. She liked my idea/assignment.

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Finances .... I haven't done any looking at my credit card balances in a couple weeks ... or updating in YNAB. I know it isn't going to be pretty. At all. I haven't been saying No to myself a lot .. more like a whole lot of , why not? and go ahead.

Tomorrow I will be working on getting this all updated so I can see how bad it is. My groceries and restaurant (face it, Fast Food) categories are going to ginormous. Since mom and brother aren't coming to visit in June, maybe I might make June a limited spending month. Will think about that more tomorrow and what it might mean.

I do kind of feel the travel bug though. I haven't really gone anywhere further than Kansas City (and that wasn't a "fun" trip) since moving out here a year ago. I'm used to at least one or two out of state flying trips each year.

So maybe I need to think about some kind of short trip I can take - maybe use one or two vacation days. Would have to go alone since NE couldn't take off that much time. This of course will have to wait until I'm feeling much, much better.

I withdrew $15 from Pact yesterday. Payouts this month were pretty low. I *might* be able to cashout $15 from Pinecone this month depending on how quickly todays survey credits. With the $97 I got from FB sales this month and $50 Swagbucks PayPal, I'd be close to $200 in extra money.

Seems like my headache has finally gone away ... so maybe I can sleep some.

Off to the haystacks! (hitting the hay ... catching some zzzz's ... sawing logs, etc., etc.)

The past few weeks I've made about $97 in sales of items from around my apartment. Tonight I will be spending $20 of it for a 3 shelf bookcase - the person is bringing it to me. (I told them I couldn't come get it til Thursday - they offered to bring it to me! Sweet!)

That extra bookshelf will help me to get my living room really starting to look more finished. I've put in some bids for hanging shelves (to put knicknacks on) but I haven't gotten to them quickly enough.

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I am so freaking tired of coughing! Two weeks ago I went to the doctor and was told .. Oh, it's just allergies. Your lungs are perfectly clear. By the middle of next week you should feel much better.

So two weeks later I am NOT feeling better and the coughing is getting worse - deeper/harder. Of course my temperature is never over 98.6 (normal for me is more like 97.4 .. I'm taking the nasal steroid spray, the allegra D, the cough suppressent, drinking tons of water, eating oranges galore ... This weekend I slept a TON.

I plan on calling the doctor again tomorrow. I don't know how much good it will do, but there's gotta be something. The hard coughing is ... causing other issues. So annoying!

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Cashed out for $25 PP from SBs and a $5 AGC from Bing

Last week I started thinking that I'd like to do an experiment. When NE and I went on our little road trip, we took my car. Which meant that my gas tank is much lower than it normally is for this time of month. I did go ahead and add $10 of gas to it on Sunday just in case I didn't like the results of my experiment.

So .. what was my experiment? Riding the bus to work and back home!

Today was day 1.

I caught the bus that goes within a few blocks of my home about 7:35 a.m. That's only ten minutes earlier than I usually leave in the car.

We got downtown at 7:49 ... according to the person I spoke with last week, the bus should have gone on to the bus garage. That person was wrong.

At 7:51 we left with new passengers .. at the first stop I checked to make sure he wasn't going to the garage. He wasn't.

So I got off and preceded to walk roughly 12 blocks to work. I arrived about 8 minutes late.

After work I debated my options. I could catch the inbound bus at 5, go to the transfer center, catch the bus that goes within a few blocks of my house and then be home by 5:40 or so. Little walking involved.

Or I could catch the outbound bus two blocks away from work a bit after 4:45, take it for five or six minutes, get off and walk about ten blocks home.

I chose option two - and got home about 5:10.

Tomorrow I'm trying again - this time I'll start out with the bus that is about ten blocks away from me (nine blocks inbound) and will end up being early for work. However, I will be wearing my tennis shoes and carrying my heels in my bag!

I'll have to leave the apartment by 7:15, which is about 30 minutes earlier than my car time, but I'm also getting in a good bit of exercise. Two birds, one stone.

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I am SO frustrated with the afternoon dispatcher at work. Today I had at least 3 people calling me asking me about a particular bus route. The bus wasn't showing up on the locator screen, so I tried calling dispatch to find out what was going on. It just kept ringing and ringing and ringing. So I had to tell the people that I didn't know what was going on. Ugh.

Finally a 4th person calls and I try again - get the dispatcher. I ask him if anything is going on with that route - he mumbles one word that sounds like yes, and then hangs up on me.

I get that he was probably uber inundated with the drivers calling in, etc., but I have to have information to work with to handle callers! It made me (and our company) sound idiotic to not have that info. This isn't the first time I've had this issue with this particular dispatcher.

I told the office manager what happened - making sure she knew I didn't want him to get into trouble, but that we have to figure out some way for me to be informed of accidents (which is what happened) and other disruptions on the routes fairly soon after they happen. Because people DO call!

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I also had this one caller today whose phone kept cutting in and out and was difficult to understand. So I thought I figured out what he wanted, and gave him the info. Later he called me back and accused me of lying to him! I was flabbergasted! Told him that I hadn't lied to him, but had misunderstood what he was wanting.

Seriously!

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I made a good number of sales on the FB garage page this weekend.

Crockpot - $5
Rice Cooker - $8
iPhone portable charger - $10
Inflatable couch/sleeper - $40

I think there was something else too ..

I also had my share of head shaking moments. One person who was "in line" for a friend - said her friend would be here by 2. Then by 3. At 3:40 I messaged her and told her the friend hadn't shown up. She messaged friend, and told me 'she passed." Ugh!

Then another item that had six people in line for it - first one passed *after* I agreed to lower the price. Then the next 4 ignored my PMs. The 6th one told me she was at a graduation and would get back to me - then did, and asked me my location. (which was posted in the ad - general location) When I told her it, she said she worked on the other side of town and so couldn't come get it. Come on! Reading comprehension, anyone???

I'm going to give the items another go on Tuesday (3 day waiting period to bump posts.) Hopefully some more go!

Riddles is still in the land of the living. The past few weeks or so NE has been taking him to the Vet to have fluids and Vitamin B? injections. The first week it was nearly daily, the last two weeks was two or three times each. Each visit costs $50

The fluids definitely seem to be helping. Riddles is eating some again, and hasn't had another seizure since about two weeks ago. NE is very happy about that, although not so happy about how much this has cost. I suggested he ask about whether he could do the fluid injections himself at home (and that I'd be willing to assist) but he hasn't asked. Oh well ... it's his money. (I had a neighbor once who had to give her cat daily or weekly fluid injections, so I know it can be done at home.)

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We had some major flooding here Wednesday/Thursday. Some have called it a 50 year flood. Thursday was incredibly crazy at work - so many bus routes had to have detours because of the flooding. Most people were understanding, but some were outright jerks. One person got mad when I told him that he'd have to walk eight blocks to catch the bus - "YOU are making me late for work!" Uh, yeah sure mister. We made the roads on the route get flooded and be closed, just so you could be late for work. Yepppers. A few others asked me to get out my crystal ball and predict whether or not the bus was going to be on time two hours from then or the next morning ... I'll get right on it buddy!

Thankfully by Friday morning the waters had gone down all over for the most part, and by noon all the flood related detours were done. Of course I had one caller complain about a bus that didn't arrive at the scheduled time after our office was closed and wanted to know why. I explained that since I wasn't there at the time I didn't know exactly why, but the best I could guess is that it was related to the voluntary evacuation of the area that bus route goes through!

Wednesday night I was walking through my hallway in my bare feet and stepped on a wet spot. At first I was worried that maybe Kari was having bathroom issues (never has before) but after smelling it, I knew that wasn't the issue. I found quite a few more areas of carpet that were quite wet.

As I was trying to figure out how this happened, I realized that the dripping sound I'd been hearing off and on the past few days might have had something to do with it. So I called my landlord. He said he'd send somebody by the next day.

Of course with all the rain/flooding issues on Wednesday/Thursday it wasn't til nearly 6 p.m. that somebody came by (I shut Kari in the bathroom in case they came by while I was out) The problem was the condensation pipe? for the a/c units in the apartments above me being blocked. (I haven't turned my a/c on yet, but apparently my upstairs neighbors have.) The guy that came by couldn't get it unblocked.

So I had to shut Kari in the bathroom again on Friday. The A/C guy came again and the carpet cleaners came while I was gone at work - so Kari didn't have to be shut in the bathroom the whole day. I think she actually didn't mind it too much because I gave her canned food both days ...

The carpet is pretty much all dry now - although now I need to figure out how I'm going to move my dresser back - don't know if NE will be able to help me with his shoulder issues.

We're supposed to have another major storm come through tonight. Our creeks and lakes can't take too much ...

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Tomorrow NE and I are doing a little roadtrip to Greenwood Iowa for our anniversary. We'll probably go out to eat somewhere around there. He was in that area a couple years ago for some speakers and thought it was really beautiful. It will be nice to get out of the apartment and do something together (doesn't happen often ...)

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Texting with my mom last night I found out she'd been in a fairly major car wreck three weeks! ago. It was her fault -- she and a friend were traveling to San Antonio and had gotten off the highway for gas or something. As they went along the frontage road there was some construction and hard to figure out how to get back on the highway. Her friend spotted a way and told her to go ... there was another road that criscrossed the pathway and a car coming - which my mom did not see. The car clipped the front passenger side of my mom's car.

Nobody was seriously hurt - banged up knees, elbows and wrists. But my mom found out she only has liability insurance - apparently someone talked her into changing her insurance plan a few months ago to save a bunch of money and didn't explain HOW she was saving that money. (As she's telling me this, I'm wondering HOW IN THE WORLD did she not know this???)

So ... her insurance company told her that her 6 month premium was going up to $5k! She's had a number of not-fault and at-fault accidents in the last six years or so, and is now considered high-risk. She kept looking and now has insurance through USAA for $165/MONTH!!!! She also has been without her car for the last 3 weeks.

It sounds like it's going to be around $2500 to fix it (and that is a long time family friend who has fixed our cars many multiple times over the years - the shop her car was towed to estimated $5k+ to fix.)

She just last night got a letter from an attorney for the person who hit her suing her for damages.

She's in a mess.

----
I finally got my $25 AGC from PerkTV.

I was really craving delivery pizza last night ... and gave in to it. $17 for the pizza, $5 for my "Zone", plus delivery charge and tip ... $28 .... Ouch! The pizza was good at least.

Monday was one of those days you can be so glad to not have to repeat.

Work was awful. People calling in very crabby and impatient ... getting told that the cash was $19 off over a 4 day period last week (person who reconciles it was out sick for 4 days ..)

Then I go to the gas station to get gas. First pump doesn't have the cheap gas, so I cancel my card and go to a different pump. Put my card in, and my rewards card ($.42/gallon off) and it shows that I lost the $.42/gallon. I go inside ...by the time I get back to the pump my card has been canceled. I redo it, and my card is rejected. Am about ready to scream like a banshee.

Go inside again, guy runs my credit card and my rewards card. Both work! I fill up for $2.09/gallon.

Then I go to Walgreens to use my $50 cashback. What an ordeal it was to use that money! I'd tried over the weekend in store and online with no luck. Then Monday I decided to see if I could buy ink - of course they were out of the ink I needed. Finally did end up buying a huge thing of cough syrup and a huge container of extra strength pain meds, plus a few miscellaneous items.

--
Tuesday was ok at work. Had a different project to work on along with my usual. Balanced cash box myself to reassure myself. (Can I just say how I think the cash box is almost worse than the crabby callers?)

Came home just so tired and didn't accomplish anything.

I take that back ... I stopped at Goodwill and bought something I can use as a bean masher for my black bean burgers (it's actually a pastry cutter I think) and ... a 3rd chair for my dining table! (I didn't have any cash on me, and hated to charge just $.99 for the pastry cutter ... so was very happy to find a chair that worked for $6.99!)

Oh, I also voted in the city elections.

I also got $25 PayPal from Swagbucks
---
Wednesday was good at work. Was given another different project (after finishing the other one.) One that will be ongoing. Also got away from the office for the last 2 1/2 hours making a presentation to the public librarians - actually got up front and talked a little without totally losing it. Impressed myself.

Was heading out to the grocery store when I noticed a wet spot on the carpet. At first I was worried maybe Kari was being naughty ... but then after moving a chair I realized that the furnace was leaking ... Called my landlord and they'll send someone out in the morning to fix it and clean the carpet. (said something about something or other being blocked)

Tonight we're having heavy rain, lots of thunder and lightning and I've gotten an Emergency Alert on my phone about flash flooding. NE is out delivering tonight ...

---
I've been reading up a storm the last few weeks. Last week I read a series of 9 books by Marta Perry (Amish stories) and this week I've read around 4 or 5 various books. Instead of getting anything really done with my extra time (while NE is working 5 nights a week ... ) I seem to be spending most of that time reading.

--
I better hit the ol' bed soon otherwise I'll be way tired tomorrow!

---
Sunday is NEs and I two year anniversary. Hard to believe it's been that long. A few weeks after that and it'll have been one year since I moved here to NE. Wow. (And I still haven't gotten the necessary stuff to put my front license plate on my car ... thankfully no cop has decided to pull me over )

I had seen this mentioned on the YNAB forums but when I looked at my AmEx account I couldn't find it. But today I was looking at my account and decided to browse the offers, and there it was!

The deal - Spend $20 at Sam's Club and get $20 cash back on AmEx card.

(You do have to be a Sam's Club member already.)

So I thought about what I could get - it had to be something online - not store pickup.

Everything I was thinking about was either store pickup or would have shipping added. Then it hit me - gift cards! I checked their gift cards and they have a good selection.

I chatted with an AmEx CS person to make sure that a gift card purchase would work for the deal. She said it would.

One deal I could've done would be to purchase two $10 Sam's Club gift cards. That would've meant no money spent, and $20 in items I could purchase at the store.

However, I decided to go with something else. NE loves to go to Chinese restaurants, and the Hu Hong place here is one of his favorites. There was a deal where you get two $25 gift cards for $39.98. So ... after the $20 is taken off, you get $50 of food for 19.98!

That will be almost 3 meals out for NE and I.

(Plus it counts towards the spend $1k in 3 months for $250 cash back.)

Let me start off with the good stuff ..

I've mentioned that I had lost the large non-keytag grocery store rewards card and had spoken with the people in the customer service area about getting it replaced. The first time I talked to them was a good while ago. Since then I went back a number of times and each time got told that "they were really behind on the cards"

So Sunday I went again. This time though I think I must have gotten a manager back there. She checked for my card replacement, and then checked for my order. NOTHING! They had lost my order form - never even sent it out!

So she confirmed my contact details and then told me that she personally would take care of it.

I got a phone call on Monday letting me know that she'd be at the store on Wednesday after 2:30 with my card.

So after work today I stopped by. Not only did she have my card, but she had had the person who made it (coded it?) add 41 cents worth of gas savings. That is .. 41 cents PER GaLLON.

I'm going to wait til Thursday to use it - but boy howdy, is that ever going to be some cheap gas!

---
The bad.

I had finally made enough PerkPoints to redeem for a $25 AGC. I got an email this morning telling me my reward was on its way.

Then this afternoon I got an email telling me my reward had been canceled. That there cheating detector or whatever had detected I was doing something violating TOS!!!!

I sent an email to them stating I HAD NOT done anything to violate TOS!

Kind of doubtful they'll backtrack, because there is no way to prove a negative (that I didn't do something against TOS.)

So very frustrating. I guess my devices won't be getting quite such a workout anymore.

---
No news from NE about Riddles. He was taking him to the vet again today at 5.

Tomorrow is payday - so that will mean May is totally funded. (My 3rd paycheck or really the second one for April funded my medical expenses category plus some ...)

I feel really bad for NE right now. His oldest cat, Riddles, is 18ish and he picked him out as a kitten. The last two years or so Ridds had gotten pretty thin (total opposite of all NEs other cats) and the past six months or so NEs had to do more to tempt Ridds into eating.

A couple days ago Riddles had a seizure. Then he had another one yesterday. NE took him into the vet and they did bloodwork. His kidney's are functioning at 15%. NE is preparing himself for possibly having to make a hard decision.

The stress of everything got to him last night at work, and he lost his temper. I really hope he doesn't get fired ... (my assistant teacher was fired for less one year, of course, he's not working around kids.)

Riddles is a pretty special cat. I'll be pretty sad too if the hard decision has to be made.

---
My brother placed 76th out of 507 people in a 75 mile bike race this past Sunday. He was pretty stoked.

--
I finally got enough points on Perk to cash in for a $25 AGC. It was really slow going this time around.

--
I got the medical bill for my Urgent Care visit - $51.xx.

I also got my American Express card - I've never seen a credit card like it - kind of a clear plastic? I won't be running it - just using it to pay the medical stuff and maybe one months tithe/offering to make the $1k spending, so I guess it doesn't really matter too much what it looks like.

---
I texted my IT friend from NM tonight (the one with lung cancer.) She texted me back (thankfully!) and told me that her health has been touch and go, but she's still kicking. She also told me that some local yahoos burned down the Family Dollar store this morning!

What serious morons! That town has two places to buy general merchandise/food at - the local mom and pop store (small!) and Family Dollar. Otherwise you have to drive at least 30 miles to get to either big G town.

I have to wonder if they got the idea from the intelligent rioters (sarcasm) ruining Baltimore right now ... Ugh.

---
A position opened up at the local bus company. They had interviews last week and again today. Of the 7 people who were slotted for interviews ... only 4 actually showed up! None of the 3 no shows called or emailed or anything to let us know they weren't coming. All I can say is .. Wow. Must be a pretty hot job market out there to blow off an interview.

I got an offer in the mail today for Blue Cash - spend $1k in 3 months get $250 back. I think that's the one I'm going to go with for my medical bills. That way I don't have to fiddle with trying to make sure I get to $3k in spending, even though it probably *could* happen. $250 is enough reward to not bother with the hassle.

Anyone know if they count Walmart in the grocery category?

---
So shockers ... my brother never did call this week.

---
I've not been doing well with the whole thing of staying away from buying junkfood this week ... My treats category is through the roof, and it's only the 17th. Ugh.

---
I got a notice of a package from UPS sent from Best Buy. I didn't order anything from Best Buy, so have no idea what it is or who sent it. I tried making it where they hold it at the office, but they were wanting to charge me $5.00 to change shipping locations!!! Uh, yeah, no. Whatever it is, it can get sent back (because you know the likelihood of them actually dropping a package off at a time people are *actually* home is, right?)

In reality I'll probably try calling again on Monday and speak to a real person to 1. make sure it is actually for me and not for someone else in the apartments, and 2. make sure there isn't a way to have it held there (I'm sure I've done it before!)

---
I'm so glad the work week is over. So very tiring. (read .. boring ..)

In other news ... I read a book this week - Zoo - by James Patterson. Very interesting and page turning. A little bit gory. Something's going on with the animals of the world ... and noone's listening to the main character. This is bad news.

I love James Patterson, and this is one of his stand-a-lone books. (He wrote Alex Cross series and Women's Murder Mystery Club series and and and and and ...)

Next week on Earth Day my boss and I will be doing TWO bus station tours for homeschool groups. They'll be my very first tours. I'll probably have to do them by myself after these two groups. Gulp.

On Wednesday I had a trio of skater kids (long hair, pierced lips ... etc) come in and ask about their "wheelies" they'd left on the bus ... Two MONTHS ago... I told the main one that I remembered them (because I was so flabbergasted when they came in) but that we only keep things for two weeks. So they were long gone. The kid looked so dissapointed.

I like it so much better when I can tell someone - Yep! I've got it right here for you!

---
NE hadn't done his taxes. He asked me to print off the forms for him - but my printer was out of ink and the cartridge I'd bought wasn't being recognized. So he was going to print the papers off at the library on Tuesday. Didn't go.

Wednesday he decides he'll just file for an extension. We go to the library and he signs up for a computer. As we're walking around waiting we see a display of papers. One of them is an extension form!

Unfortunately it wasn't until we got to my place and I was filling it out for him (his patience level wasn't very high right then and his eyesight isn't good in dim light) that I realized he'd gotten a state extension form instead of a federal.

Instead of rushing back to the library before it closed, he decided to file the extension online. He thought it would be free. It wasn't - it cost 19.95!! Towards the middle of filling the extension out, he had to run home to get his W-2 form (didn't help his mood at all.) But .. got the extension filed.

This is definitely one area he and I are SOOOOOOO different on. Even if I knew I owed taxes, there's no way I could wait so long to file. I also would not want to do them on paper - I SO love TaxAct, etc. for ease of filing. It would stress me out way too much to wait til April 15!!

I tried to casually suggest setting aside 30% of the money he makes from his eBay sales to cover taxes so he wouldn't have to stress out ... yeah, didn't go over too well. If we ever get to the point of seriously talking marriage .. that is something I'm going to insist on. No way am I going to let something so stupid as taxes get me uber stressed out.

(He might have had the money to pay his taxes this year if it weren't for the shoulder surgery and all the costs from that.)

----
Redeemed Bing points for a $5 AGC (just couldn't justify the IHOP card for more points.)

I've been way too loose with the pocketbook so far this month, especially considering I have some large bills coming up (medical expenses.) Fast food, junkfood, Trader Joe's, Goodwill, WalMart, Family Dollar .... Over the course of the past few days I've spent at least $150. Ugh.

Trader Joe's, GoodWill and Walmart are at least shopping trips which were mostly necessary. I think part of what spurred the fast food visits was being really tired of what I had in my house (and my pantry was starting to get pretty empty ..) So I bought some ready made dishes at Trader Joe's, and a few at Walmart. Hopefully that'll curb my inclination to get something out instead of from home.

At Walmart they were having a big clearance sale on all sorts of stuff - an asst manager was there and if there was something you wanted, you made an offer and if he ok'd it, you got it. I bought an ice scraper (more heavy duty than my other one) for .50, a long handled snow brush for $1 (something I'd really wished I had this winter a number of times), and a mandolin for $13 (had a $50 one on my Amazon wishlist for at least 6 months ...) They didn't have a potato masher (something I've been looking for, but not wanting to pay $8 for!)

I also bought a few things for something that the bus company I work for does in partnership with the local women's shelter - called "Stuff the Bus" - about $8 worth of items (paper towels, hairbrushes, etc)

----
Wonder of wonders, my brother actually called me today! (We'd set up a time for him to call Saturday night ... which of course didn't happen.) He's talked to mom and told her about our plans, and also told her that he'd try to get the 3 of us on the phone either Monday or Wednesday night. He's also said he has another weekend free - one in June - so I told him I'd really prefer the June weekend over the May one.

So ... we'll see ... Is this really going to happen? At least there's some movement forward - and now mom knows ... (Of course she called me after talking to him and never let on that he'd told her - she was going on and on about wanting the 3 of us to get together sometime, and I was being all non-committal. The turkette!)

---
So much for my weight loss ... along with the spendiness the last week or so, there's also been a lot of junkfood consumption. 3 lbs found their way back. Sigh.

So my goal is for the remainder of April - no more fast food purchases and only 1 serving size worth of candy/junk on a regularly scheduled grocery trip.

---
I did get in 3 exercise sessions this week. 2 x walking on the track at the gym (today I actually did a bit of walk/jogging) and a 4 mile walk with some ladies from church yesterday.

The indoor lap app I'd found was worthless. (tried it today) So hopefully I can find another app I used to use on my other phone - it won't count laps, but it does the timing thing (run 30 seconds, walk 90 seconds, etc.) and estimates distance. (I think it was called iTreadmill)

On that walk one of the ladies who runs Women's Ministries and knows I've been a librarian, asked me if I'd be interested in being the Women's Ministries librarian. I told her that sounded like something I'd be interested in doing.

---
Oh, at Goodwill I bought 4 t-shirts. With exercising at the gym, I realized I needed some oversized short-sleeved t-shirts to work out in. Spent $7.47 on the 4 shirts ($3.99 for one, then $1 each for the others.)

--
Got $25 PP from Swagbucks today.

I had my followup appointment today with my regular doctor. Of course I forgot to ask her some questions and forgot to mention things. Having NE at the Urgent Care place Friday night was good because he was my backup brain. Anyway, she said that it doesn't look like there is anything to worry about - just rest and get better (I accidentally typed read Freudian Slip?)

On my way home I wanted to stop at the library because my copy of Laura: Pioneer Girl had finally arrived! When I got to that intersection traffic was backed up because of an accident just past the intersection on the side going away from the library.

I ended up going and paying my rent first, and then came back that way. I finally got to pull in and get my book. Now here was the fateful decision I made ... I drove out the backside of the library and debated on whether to go straight or right. Habit made me choose right. For about 30 seconds I thought it was going to be just fine.

Then as soon as traffic cleared coming my direction, there was traffic from the other direction. This went on for 3 or 4 minutes. It only got worse though the closer to 5 it got. Now 90% of the traffic on both sides were those huge honking SUVs.

I had people on my side stop for me several times, but when I'd look to my right, I could not see a thing of what cross traffic looked like.

This went on for ten minutes. There was a line of traffic behind me probably cursing me out. (If no one had been behind me, I would have tried backing up and going the other way ... it's generally a very quiet street.)

Finally someone stopped coming my way and realized that I could not see if the other side was clear AND SO signaled me that it was clear!

This was a good reminder of why I prefer to go to that location on Saturday afternoons instead of a weekday!

---
Work was ok today. Very busy and left me feeling pretty drained. I didn't have a sit down with my boss, but she seemed to be in a better mood or something. The vibe was just better I guess.

---
I did something I kicked myself for last night. I decided to spend some of my perk tokens on drawings (that's all they're good for.) I saw a drawing for $100k cash. 500 entries for 5000 ... tokens I thought. I had around 30k tokens, so started entering. My token value didn't go down. Weird. I entered again, My token value didn't go down. Stupidly I entered again. Only this time a horrible thought occurred to me ... and I checked my points balance. The balance you can exchange for giftcards ... and it was 15k points less!!! I wanted to throw my phone across the room. Those 15k points represent about 3 weeks worth of running those Perk videos.

So ... no $25 AGC from Perk for me for March. Sigh.

---
In good money news, I received my $50 bonus from Discover Checking. I haven't been able to find anything that says how long you have to keep the account open, but I think I'll be safe to withdraw all but $500.

---
It is now Friday morning. I sure didn't get much sleep last night. Oh well.

NE brought some bleach over last night and I poured some down my bathroom sink and tub. (opened windows and used the blower too) Worked like a charm. Btw - anyone know where I can get a hair stopper for the tub? I've tried one before, but it was too big for the drain.

---
End of 40 day personal challenge!

Although I had a few slip ups, overall I feel pretty satisfied with how it went. I really didn't miss buying junkfood all that much. Going forward I don't think I'll put any restrictions on myself, however, I would like to limit myself most of the time to purchasing only one serving on a trip, and that trip should be one where I have to walk to get it. So if I *really* want something, I have to put forth extra effort to get it.

---
I'm going to be adding some projects to my sidebar. Let's see how long it takes me to check them off.

So Friday night when NE came over we went out to pick up his prescriptions and also got Chinese food. (I'd eaten earlier, but he was hungry ... I went ahead and got veggie fried rice - which I ate on all weekend.)



---
Anyway ... I went to church Saturday (had missed the last two weeks due to sick and overtiredness.) Saturday afternoon I joined a church group doing a bike ride in a local park. I went there to walk ... one of the ladies walked with me instead of riding. We had a nice time talking and walking for 4.4 miles!

--
Saturday night I spent some time updating YNAB. Ugh. I will not be making my $300 goal this month. If it weren't for some of the extras coming in, I probably wouldn't even have $100 to put in extra to the EF. Gas is one of the major budget busters this month - 4 roundtrips to O does not make for a happy gas tank.

--
I got my $75 Discover CC bonus on Friday - have already requested a check (total of $80.xx)

I also cashed out for a $25 PP from SBS today.

---
This morning I went to the church exercise class - cardio/pilates combo. It was a tough workout! I think it will be good for me though - both the exercise and possibly making some connections.

---
Went grocery shopping this afternoon (walked to the store) - bananas, apple (free w/coupon from health fair), broccoli salad, cat food, 3 cartons of Rice Dream on clearance, etc. $30.29 (after coupons)

--
Brother called this weekend - supposedly mom has big bad news that she has to tell us in person. I called her yesterday (not letting on that I'd talked to brother) and she didn't mention anything about BBN. So .... manipulation anyone?? Ugh. If so, she's shooting herself in the foot because he and I were already in the process of planning a weekend here for her and him and I. This whole thing kind of puts a sour taste on it (esp. for brother - who only started talking to her again maybe 18 months ago or so.)

--

I'm going to be making the oatmeal cookies again fairly soon. I think I'll add applesauce to the batter though. I have two fairly ripe bananas, so will be making more. They'll make great after work / before workout snacks I think.

Monday I got my $25 PP from Swagbucks. I also got an email that my $100 gift card had come from Achievemint.
When I clicked on the link to get it, it gave me three choices of how to redeem it - I chose PayPal. That $100 arrived today.

So on Sunday I'd emailed Fitbit's CS about my fitbit battery/back issues. They replied to me yesterday basicaly telling me they don't have any extra battery doohickeys or backs to the Zip (I can't get mine opened anymore after opening it 4 times with a quarter ... plus assorted other objects in an attempt to find something that worked ...) They also told me that according to their info, my battery was just fine and wasn't dying every 4 - 6 weeks.

Tell that to my dead as a doorknob Fitbit.

......
So ... I decided I was going to upgrade to the One so that I don't have to mess with batteries anymore.

I first checked on Amazon - $97 or $93 - the price difference was due to COLOR! Before I clicked buy though (would've been covered mostly by AGC) I decided to take a look on eBay.

I'm glad I did! I found a brand new one (had sat out on a store shelf as a display unit) for $60 + $5 shipping! It should be here by March 11 at the latest (I really hope it's sooner for a myraid of reasons - one being that I want to walk around the hospital while NEs in surgery and have those steps count!)

I think it's kind of funny/fitting (ha ha) that my reward for tracking steps, logging food, etc, etc, is now paying for a new tracker.

---
I stayed home from work today. Just not feeling that great. While I am totally on track with my 40 day challenge of not *buying* junkfood, I'm not doing so well with eating offered junkfood. As in I ate two very yummy homemade sweetrolls at work yesterday. I think I would've been okay with just one. Then on Saturday I made brownies (from a box mix I already had) for a Sabbath School class potluck - there was about 1/4 of them left ....

I am really starting to think that some of my sinus/allergy issues are somewhat related to overdosing on sugar. Until the brownie incident I had been without a sinus headache for nearly 7 or 8 days.

I'm going to have to do some major evaluating of what this might mean going forward.

---
NE is in O city having his pre-surgery appointments today.

He is thinking he'll be in the hospital at least two full days, and possibly a third one. He really wants me to come visit him everyday. This means a two-hour drive for me after work at least one or two days, as well as the drive to take him to the hospital.

So ... I'm thinking my gas spending is going to be high, and possibly my restaurant spending as well. Although I could just make myself a PBJ to take with me to eat in the car on the way there or something. I will definitely be doing Hardee's at least once though. (mushroom swiss burger and onion rings - so yummy! w/o the burger of course)

His surgery is on Wednesday. So if he is correct, it'll mean he goes home on either Friday or Saturday. I'll be taking Wednesday off completely from work, and was thinking about taking off an hour early on Thursday and Friday so I can spend an hour or so with him and still get home without having to drive in the dark.

However, I saw someone post that the time change is this coming Sunday? If so, then maybe I can get away without taking off early those days.

Guess I really should wait to see what info he has after his doctor visits today before thinking too much about it all.

--- It's been years since I've been in a regular hospital - do they generally have WiFi available? Do they allow cell phone usage in the waiting areas? Have plugs available for charging?

----
If I get some energy here soon I want to make corn pudding and black bean burgers. I have all the ingredients for both. Maybe also a cottage cheese roast. Plan on freezing portions for later meals - although I've never frozen corn pudding before after it was baked (prior to baking, yes, but not after) -- Hmmm. Doubtful I'll get that energy anyway, but we'll see I guess.

--
Oh, something really cute/funny. This morning I fed Kari, and then went back and laid down for awhile. Later I got up to make something to eat. She had barely eaten anything. As soon as I started making my food though, she started chowing down.

I was waiting to make this post until I could know for sure whether my third $25 PP would deposit before March or not ... it didn't, so it'll go for March.

Extras:
NM tax refund - $87
NE tax refund - $142
Fed tax refund - $540
Swagbucks PP - $50
FB sale - $30
PerkPoints - $25 AGC
Pact - $16
Pinecone - $10

Total: $900

Expenses:
Tithe: 10%
Giving: $30
Rent: 430
Car Insurance: Pd 215 6 mo. premium, added 36
Groceries: 69.30
Internet: 64.96
House Gas: 39.36
Electricity: 44.53
Auto Fuel: 14.53
Restaurants: 39.24 (2 ff and Chinese buffet for two)
Kari - 22.66 (stocking up on food w/coupons)
Treats - 23.21 (before starting 40 day challenge)
Gifts - $12.13 (NEs Valentine's)
Tax Prep - $34.98
ROTH - $200
EF - 10% + $1,068

-------
So ... for this month it gives me an approximate 70% savings rate (I'm not including the car insurance payment in this calculation because it was previously accounted for in expenses only in monthly "installments")

My groceries category is way low this month mainly because I was eating the food I purchased in January from the store that went out of business, plus the frozen fruit I bought from Sam's in December managed to last til Friday (supplemented by two bags of ff I'd bought from closed store.)

I expect my grocery bill to be much higher for March, but that will be countered by no money spent on treats (until March 31 ...)


--
March is going to be interesting. I'll not only have my 2.5% raise going into effect, but I'll also have the 7% retirement contribution be taken out AND I changed my deductions from 2 to 3. Of course that income won't factor in til April, but I'll at least get to see what it's gonna look like.

--
After factoring in what I know I'm going to spend in March and estimiating some other expenses, my goal is to put $300 extra into my Efund in March. (above the 10% minimum)

However, there are some items I'm contemplating ...
Shoes - $20 x 2 (my work shoes are pretty much shot - I am planning on ordering two pairs so I have an extra pair on hand in case this style goes away before I need it again - good, comfortable dressy shoes .. worth their weight in gold.)

Kari supplies - ala Cat Whisperer - second litterbox with high sides ($12), one or two mechanical toys to help with boredom while I'm at work ($30-40), food puzzle ($10) automatic food dispenser ($50)

The litterbox and food puzzle are the only two items I'm sure I'm going to get, the others I'm still contemplating. I have roughly $90 in AGC, which would easily cover what I want, plus some. I'm also hoping my reward from Achievemint will arrive soon ($100 visa gift card)

Gym - $39/month ... I won't have a chance to check it out this weekend, but I plan to next Sunday. I also want to see how my paycheck pans out for March to see if I'll feel comfortable deducting $39 from it ...

Fitbit upgrade ... I love my Zip, but the cheap batteries I got from eBay don't last more than a month or two. They were 5 for $2. To get a battery that lasts 4-6 months, it'd be $10+. So ... I'm thinking about upgrading to the next level where you don't have to have a battery - you charge it via usb cord. This would be approximately $100, although I saw a mention on YNAB forums today of someone seeing it at Walmart for $29!! If I see it for that, I'm grabbing it, no question!

I don't celebrate Lent in my faith, but after having spent three years working in a Catholic school and seeing how much it meant to the people there, I have thought about making my own Lenten type commitment.

When I was having issues with eating out too much and made the goal of no eating out for 60 days - I succeeded and in the end pretty much completely got rid of the bad habits that had been forming. Not that I don't stop for fast food once in a while, or eat out, but it isn't the norm.

So ... with my recent blood test results (lipids) I realized that there are two things that could help reverse those results. Eating less junkfood and being more consistent in my exercise.

So ... for 40 days (starting Wednesday, the 18th) my commitment is to not buy junkfood (may eat it, but cannot purchase it)and to get a minimum of 20 minutes of activity EVERY day.

My hope is that by the end of 40 days I will have broken through the bad habits I'd fallen back into the past 4 or 5 months with junkfood, as well as regaining good habits of exercise which kind of went by the wayside both with the weather and it getting dark early plus not feeling well often.

This of course will also save me money.

So far so good.

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I got the new label maker yesterday just before heading home for the day. Today I got to play with it. Our new computer system doesn't allow us to install programs on the computer, so I can't access all of the neat features - at least not until GK installs the program for me.

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I cashed out Pinecone points for $10 tonight.

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NE wants to take a friend of his to dinner this weekend (either Sunday or Monday) to tell him about his upcoming surgery, etc. Since he paid for Valentine's, it's my turn to pay. (this will be a cheaper meal - Chinese buffet vs. the V pizza buffet.) I've been in the mood for Chinese for awhile, so it'll be nice.

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I'm on track to put $1000 in my EF this month - as long as I'm really careful with my grocery spending for the coming week. There isn't too much I can think of that I'll need to get other than bananas and sweet potatoes .. oh, mouthwash too.

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I saw a recipe on MyFitnessPal for black bean oatmeal burgers. It's a fairly simple recipe, and I'm pretty sure I have everything needed. So I might make those this weekend - would be great for lunches next week, and maybe freeze some too if I have enough black beans to make extras.

http://happyherbivore.com/2011/08/easy-black-bean-burger/

Oatmeal is supposed to be really good for lowering cholesterol. I used to eat it a lot for breakfast, but really prefer the fruit smoothies (frozen fruit, banana, flaxseed, chia seeds, PB2 powder, water, sometimes carrots if I remember to get some ...)

So maybe I can get the oatmeal in at lunch in these burgers.

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I really need to get to the bank and figure out if I want to try for the $150 bonus. Every time I think about doing it I end up having one of my major sinus? headaches and am not at all productive after work.

I'd think about taking an afternoon off to do that and get my hair cut/highlighted and a few other odds and ends that aren't easy to do after work ... but with NEs surgery coming up in a few weeks I'm not sure how much time I'll need to take off for that.
At least one day for the surgery, and then he'll need me to take him home the next day - might have to take off the third day, or at least part of it. So ... will be using some of my vacation time.

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I'm thinking that I'm going to CA in September. It'll be my grandma's 93rd birthday. If I can schedule it around Labor Day, then I won't have to use too many vacation days.

My brother and I are working together to have him and mom come here (NE) in May - probably Mother's Day weekend. I'll use a few vacation days for that too.

I haven't heard anything more about my high-school reunion ... am kind of questioning whether I really want to do it anyway. NJ isn't exactly my first choice of vacation destination ...

The lady who said she wanted my DVDs yesterday came by with the $30. I had just lain down for a nap (not feeling that great) when she knocked on my door - so I missed it. Luckily she hadn't gotten too far away when I heard a ding letting me know I had a FB message - checked it and was able to get her to come back!

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I called the place I have had a term life insurance policy at for the past 5 years and canceled it. It was due to renew on 3/15, so I was running out of time to cancel it before being charged another year's premium. (I'm going to be covered by my work life insurance as of 3/5 and can take it with me if I leave.)

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I got in contact with an actual person at the doctor's office today. Looks like my thyroid is under control now with the current dosage! My Vitamin D level was really low which is why they prescribed me Vitamin D pills (one a week for 8 weeks, then retest.) One somewhat surprise was that my lipid panel showed my cholesterol was high 258? I think. The nurse suggested fish oil capsules ... yuck, no!

I know what I've got to do ... I just have to *really* cut out most of the junkfood/sugary junk I've been stress eating. I also need to get much more consistent with my exercise. 20-25 minutes of walking at work isn't enough.

My weight and my numbers are telling me I need to do something different.

I've just got to figure out how to rewire my brain for what I go for when I'm stressed out.

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Stopped by Goodwill today and dropped off 4 boxes of books and 1 box of miscellaneous items. Also broke down several boxes and threw away a few others.

My living room is now empty of boxes. I do need to get a two-shelf bookshelf for the things that aren't fitting on my one bookshelf in the living room.

The futon I was trying to buy from someone on FB yesterday has been sold It was $25 and looked in pretty good shape. I'll just have to keep looking.

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My visit with the pastor this morning went well. We talked nearly two hours! I really was trying to be succinct, but there was a lot of backstory needed ... He gave me some helpful suggestions and told me to let him know if I needed to meet again. I'm really glad I did it.

I didn't go anywhere today. Wasn't feeling very good and it was just too cold outside (colder than yesterday.)

I did however manage to go through about five boxes in my living room. Three boxes of books, plus another box of odds and ends will be heading to Goodwill either tomorrow (if they're open) or Tuesday.

I also went through my DVDs and picked out 3 that I definitely could not get rid of. The rest (17 of them) I took a picture of and posted on the local FB garage sale page. Tomorrow afternoon I should have someone coming by with $30 to pick them all up! Sweet!

I also found a futon for $25 on the FB garage sale page, but NE ended up not coming over tonight, so I might lose out on that one. (He has a luggage rack on top of his Subaru so we could have tied it on to there.) If it is still available tomorrow, I'll be getting it.

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I made enough on PerkTv tonight to redeem for the $25 AGC. Should have that by Monday night.

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While looking on the FB garage sale page I found something I'd been looking for for awhile - I just hadn't been sure what it was called. A perpetual calendar. People ask me all the time what the date is - so if I had one on the counter, they wouldn't have to ask. (I'd just have to be sure to change it each day!)

The one on there already had a taker, but I found one on Amazon. None on Office Depot (which is where we are supposed to order all office supplies from.) I'll have to talk to my boss about it on Tuesday to see what can be done.

Friday night NE and I ended up going out to eat at a local pizza restaurant buffet that starts with V. When we first dated back in 2004 I had a surprise birthday party for him there. That was the last time either of us had been there - he was saying that now that we've been back together for almost two years (1 yr 9 mos) that maybe it was time to try it out again.

It was good food, but as is the problem with buffets, it is hard to eat reasonably - and I definitely overdid it. Good thing we don't do that very often!

I gave him the maple syrup (and a card.) He seemed to really appreciate it.

He's really nervous about his upcoming shoulder surgery (March 11) - so much so that he bought a packet of last will/testament +POA from eBay and plans to have his apartment cleaned up by that date.

He'll be in the hospital for at least two days after surgery, and then have at least a 4 week recovery time, two of which he isn't supposed to drive.

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I got a message from my doctor's office - twice on voicemail on Friday. One of the things I had tested last week was my Vitamin D levels - it must have been pretty low because they called in a prescription for Vitamin D supplements to my pharmacy - take one per week for 8 weeks and then redo bloodwork. Nothing was said about my TSH level, which was the main reason for the bloodwork! If they're open on Monday hopefully I won't have to play voicemail tag with them (they close at 4:30, which is when I get off work.)

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I have an appointment to talk with my pastor on Monday.

I'm thinking about going to see a movie - Old Fashioned - afterwards. I mentioned it to NE and he had no response .. which usually means no interest. Oh well, I can go see it by myself.

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I read an interesting article today which was linked to in a journal on the YNAB forums - one of the ideas in it was that what trips most people up when making goals or plans is that they get overwhelmed by everything they'll have to do to reach the goal/finish the plan. The better thing to do is to think about the goal/plan on what you need to do to reach it *that day*.

An example given is "I want to play lead guitar in a rock band." Instead of thinking about how many hours of practice that would take and getting overwhelmed and most likely not doing anything towards that goal, think about what you can do *today*. I will practice the guitar today.

In finances I could see an example being "I want to retire at 55." That could be overwhelming in the big picture. What is a small step? What can be done *today?* I will call my car insurance to see if I can get a better price. (reduce expenses) or I will work on learning *skill* which I can eventually use to earn side income. etc. etc.

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I cashed out for $25 PP a couple days ago and already received it. Then today I cashed out again (after cashing out my Bing points) so should have that by Wednesday or so I'd guess.

I'm getting close to my next $25 AGC with PerkTV - this one's gone much slower because they reduce the point values on some videos.

Wow! I don't know if my emailed apology did something or what ... but the buyer closed the return - they decided to keep the movie even though it wasn't the one they thought they were getting! Now I just have to wait and see what kind of feedback (if any) they leave me.

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I am so looking forward to this long weekend. It was SO nice sleeping in a little on Thursday (had a doctor's appt in the a.m.) If I could start work at 10 and be done by 5 I think that would be just about perfect ... Oh well.

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NE has been talking a lot about pure maple syrup lately .. so I decided to pick up a *small* bottle for VD. That stuff is expensive - $7 for 8 oz!

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At work on Wednesday we had a whole big issue with the copier. I've been printing single labels and sometimes multiple labels for one of the people there - reusing the same sheets. Apparently that is a big no no in copier world according to the copy repair man who came out.

So ... we were talking about the option of a typewriter or a small printer. CT our office manager found something evn better though - a label printer! It prints labels of all sorts of shapes and sizes and can be hooked into a computer so you input the label info into a spreadsheet or word document and send it. You can do singles or multiples.

As soon as GM is back from vacation I'll be sending her my order for it, along with label rolls to go with it. (she's our order person - we only order office suppplies through Office Depot.)

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I'm really enjoying having a 15 minute break in the afternoon. I'm now getting nearly 25 = 30 minutes of walking time = split into 12 and 13 roughly, but still is more than I was getting during the work day.

My boss and CT though are ending up having to be there while I'm on break because the others who signed up to cover the shift don't really know enough of the route info, etc. to be able to answer questions if they get a route info call (some people know the direct number, so route info calls get through even when I've logged off.)

I feel bad for them, but I'm just too happy to have the break!

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We all got new computers today at work!! It was a bit of a mess because one of my two screens couldn't attach to the new computer without an adapter. Then once we got that going, the AVL (how we track the buses) wasn't loading right.

Also I lost all my bookmarks in FireFox that I constantly use, and some of them I didn't realize weren't there until people called with questions where I needed them!

I think I'm all set now though. I'm just glad we're using Windows 7 and not 8!

I asked about what they are doing with the old computers - they are going to be set up in various places around the bus depot for employees to be able to check their paycheck statuses online or do other online work related requirements. (If they didn't have a plan for them, I was going to suggest checking with local schools ... )

I got a best offer on a book I've had up on eBay for nearly a year now. While I was contemplating accepting the offer ($4 less than my BIN price) I got another email telling me that same person had gone ahead and bought it for full price! Sweet! It was a book I used for my technology class a couple years ago. After shipping and fees I think I'll make about $8 (not real profit because I paid around $25 for it. But better than nothing!)

Unfortunately I also got an email that the DVD I sold last week had a return request. I admit I mistakenly did not put all the correct info for it. I had used the pre-filled stuff for the upc code and didn't double check it closely enough. Totally my fault. So, now I wait for it to be returned. Ugh. (The cover looked exactly the same, the year was the same, just a slightly different title. made all the difference though.)

Hopefully this isn't going to put a ding on my 100% rating.

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My allergies are really bothering me this week. I've been taking allergy meds which have allowed me to get 3 or 4 hours of sleep most nights ... if I take a full dose, then I'm a zombie the next day. The lack of sleep is really getting to me.

At least the last two nights I haven't been woken up or kept awake by loud vehicles in the parking lot!

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I plan to do some grocery shopping today (don't need very much) and get some cleaning done as well.

I also might make a stop at two local fast food places that have a $4.50 shop associated with them - quick jobs. I will resist purchasing anything!

I redownloaded Receipt Hog last night and plan to start using it again. I'm only 100 points away from being able to cash out for a $5 PayPal. I probably won't though, because you get a better deal if you wait. I'm going to ask NE if he'll let me have some of his receipts because I'll only have one or two a week at most - you can input up to 7. (I need to find mine from last weekend, they'd still be in the 7 day period.)
(If you're interested in Receipt Hog, I have to send a referral link via email - they don't have a clickable one like Ting or Ynab, etc.)
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Tonight NE has agreed to drive me along one of the bus routes so I can make notes on the best places to catch the bus and landmarks to pinpoint them. Eventually I hope to do this for all of the routes - it will make it so much easier on me telling people where to go/where to stand.

January up til the last week or so looked like it was going to be under control ... sigh. I will do better this month.

Tithe: 130
Giving (other) 70 (hadn't put it towards anything for a few months)

Rent: 430
Natural Gas: 36.97
Electric: 37.97
Auto Fuel: 15.48
Internet: 65.60 Sigh...
Groceries: 256.xx Huge sigh (a lot of this was from a local store closing ... at least $120 worth)
Restaurants: $16.64 *hardee's twice*
clothing: $4 (washing clothes/ drying)
Kari - $3.61 (canned food)
Toiletries: $6.49 (hairspray and deodorant)
Treats: 36.13 (I think the number is higher than this .. I just didn't track as carefully out from groceries the whole month.)
Beauty - $25 groupon for highlights/cut for future
Tax Prep: 34.98 (federal + two state efiled)

Savings:
EF: 471.91
ROTH: 200

Extra Income:
Swagbucks: $50 PayPal
PerkTV: $25 AGC
Pact: $17
Pinecone: $5
eBay: roughly $16 after fees/shipping

Will be coming -- $100 Visa ecard from Achievemint (cashed in about two or three weeks ago.)

Tonight I did my taxes using TaxAct. It was interesting since I had to do two states plus Federal. When I first went through NM it said I owed $2. I thought that was weird, so just before I submitted the final button to file, I decided to go through it one more time. Good thing I did! Somehow the button had been clicked that I was a full year resident instead of a partial one. That was why they wouldn't let me just input my income from the school library.

So .. I got $540 back from Federal, and $220 back from state. It cost me $36.97 to file them electronically. Once that money comes in, it will be going straight to my EF goal!

I'm glad to be done with it for another year! (and looking forward to next year's which will be so much simpler.)

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Some days my job is tolerable. Others barely tolerable.

Today was a barely.

I had a man come up with a companion (mentally handicapped I think.) He wanted to get an $8 pass for his companion.

I did what I do for *every* person that comes asking for a discount pass. "Sure, I just need a photo i.d. please."

Mt Vesuveus erupted!

The man starts ranting and raving that I shouldn't have to ask for an id. He culminates his rant by pounding his fist heavily on the counter and stomping off.

He didn't even give me a chance to let him know I could take either person's i.d. I just needed an i.d!

It is policy for the low income program. I ask for it from every person no matter how many times I've seen them.

So ... about an hour later he returns with the companion.

He practically shouts at me saying, "Here! Are you happy now?" while holding an i.d. next to his companion. He says something about trust, and then he starts ranting that he'd worked in government before and if one of his employees treated a customer like I did (simply asking for an i.d. per policy ...) that he'd fire them.

I just took the i.d., got the pass, filled out the receipt, took the money, and gave them the pass. Said, "here you go."

Around that time the bus driver supervisor came in because he'd heard the guy shouting - he asked me if I needed help and I told him I was ok. The guy asks me if that was my supervisor - told him no, that my supervisor was in a meeting. He goes "that figures."f

Finally he leaves.

The bus driver supervisor had stayed nearby out of sight, so I explained to him what had happened. He agreed with me that I hadn't done anything wrong.

Later ... I tell my boss what happened. She tells me that maybe we should just stop asking for the id. That some of the other places selling them for us aren't asking for them.

Arghh!!!!

So should I ask for the blasted id or not? How would it be fair for me to ask for it from people, but if they make a fuss, say .. nevermind?? What is the point of having a policy if we're not going to follow it?

I plan on talking to her tomorrow more about this, because it is really really really frustrating me.

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While I was bored out of my mind this afternoon having finished my book (12th of Nowhere by James Patterson) and exhausted yahoo and cnn news stories of interest, I read the local newspaper.

One of the stories was about how NE is thinking of giving a property tax credit to low and middle income people. Not just property owners though! Renters too!!
An example they gave for a renter was someone making $29k/yr and paying $362/mo rent. Um ... I make less than that and pay more than that. Thus I would easily qualify for a credit! I didn't quite get how that would work, but it's still being hashed out as to whether it'll happen or not.

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The brownies I brought for treats today were all eaten up. I even had someone tell me they *really* liked them. Score one for $1 brownie mix!

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I found out that the lady who had jonsed after my job has found a different job with the city in a totally different department. Her last day is Wednesday, which is the end of my 6 month probation. Funny how that works out.

I got my replacement DC in the mail today. I'd misplaced my old one (think I may have shredded it since I never used it ...)

I signed up for the offer - spend $1k by March 31st and get $75. Normally I wouldn't go for something like this, because spending that much on my CC isn't likely to happen.

However, this just so happens to be the quarter where my car insurance renews.

So here is my plan for the 1k spend:
$215 - Car Insurance
$375 - 3 months tithe (can pay via CC online!!)
$130 - 2 months Internet (too late for January)
$225 - 2.25 months groceries
$100 - 2 months utilities (can put electric on card

I'll also put gas on it since they're offering 5% CB on that to give me a little extra buffer for the 1k spending (not that an extra $35 or so is going to be that much ... 2 months gas ... if prices hold)

And ... that does it.

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I *finally* got confirmation that my Discover checking account is open. I'm glad I didn't wait til February to start the process!

The deal is open an account with $500 by 2/28. Have a balance of $5000 by 3/15 - get paid $50 if you still have a $5000 balance.

So I'll have the 500 opening balance in there, and add the rest in March - probably the first week in case it takes it awhile to transfer over.

The bonus money will of course go to my Windfall category.

As soon as the $50 is paid, I'll close out the checking though. DC pays .9%, which is ok, but not as much as Barclay's. $50 beats out one month of interest at Barclay's though by a long shot.