Keeping It Frugal

Just want to say thanks for all your support, advice, etc the last few posts.

Surprising what a calm, sit down, adult discussion can do to defuse difficult situations.

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Can I just say how much I'm loving my stand up desk? It makes the day go by faster, and I don't know if I'm imagining it or not, but I feel more energetic.

My fitbit is telling me I'm definitely more consistently active -today I scored an 8 out of 10 on moving at least 250 steps in an hour! My goal this month is at least a 5. So yeah ...

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I really hope it's not just the newness of it, but so far the bujo seems to be helping me actually get things done!

Tonight I cleaned the litter boxes, added litter, washed half the dishes in the sink (before the water started getting warm), cleaned the bathroom counters/sink/mirror and prepped my breakfast for tomorrow.

All on a work night. At the end of a long stressful week.

I also finally got a couple donation things I'd done for SBs canceled before another donation could be pulled out. One was a simple phone call, the other I had to go through multiple phone trees. Ugh.

Forgot - I also stopped at the library and did a couple returns/pick ups.

I might start on book 4 for 2018 tonight, but I am wanting to get to bed at a decent hour - so that may be dangerous ...

Back in August? a co-worker and I approached the main boss about getting standing desks. He approved the idea. We had two vendors come out in September and make quotes. A vendor was approved in November. The purchase order was made.

Finally, yesterday the installers came! They were late - it took them 3 hours to install mine and co-workers. Coworkers is a simple attach to the desk model. Mine is not a simple one. I got the one where they attach legs to the bottom of the desk that rise and fall via motor.

I was willing to go with the cheaper model, but asked if the one I got would be possible. I love it!!

I'll be getting an anti-fatigue mat (employer) and I am going to look for a small step stool to help with position changes.

Already my fitbit is showing increased active activity. I made 7 of 10 250 steps in an hour. Usually my average is 3 ...

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So last night we dropped my car off at Brakes Plus because it had been having increasing squealing issues.

Today they called my DH and told him it needed a new belt and a new battery. DH emailed me the info - I told him that I thought that was strange, since I was pretty sure I had some kind of belt put on just a few years ago there.

So during lunch I called them to find out what belt they were talking about. Yep, it was the serpentine belt, and it was the one replaced by them 2 years 2 mos ago.

So in the end, what would have cost $114 for parts and labor, cost $38.95 after a $25 coupon.

Guess what is being added to my bujo (bullet journal)?

You guessed it - A page for recording auto maintenance!

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So now he's wanting his log in info for his ROTH.

You can probably guess why.

I can't exactly say no. (I'd actually given it to him previously.)

I'm thinking a compromise I am willing to live with is that as long as there is an increase of 6500 each year, I don't care what you do with the rest. Or say I'm ok if you put half of it in index funds or bonds - safe steady investments, and then the other half in more speculative stuff.

It's not like you can really do day trading within a ROTH, at least not quick trading. Though I did lose most of the $1k I bet on Fitbit ....(bought second day at $42 .... now is at $5 something. Yech. So yes I know it is basically gambling. (He throws the electric car stock at me - you have all those shares of the car stock - isn't that gambling? Well, yes, and I've been trying to convert them into less gambling type stuff. But the stuff in the taxable account has to be done carefully and slowly...)

It isn't like I can tell him what to do with the money in his retirement accounts ... because then he could do the same with mine. Oy vey. The one money issue we never really discussed before marriage. (Other than him being totally floored when he found out what my networth was after we were engaged.)

I might bring up the idea of consulting with a 3rd party financial advisor again. Because I'm not really sure what to do.

I mentioned to him that the ROTH money has been growing pretty well - he says back, well, yeah, the stock market overall has been growing a lot, so of course the ROTH would. UGH@

I really thought we had all the money stuff ironed out beforehand.

So I finally got my W2 today, plus a form from the second bank we use.

We'd gotten the form from the railroad retirement place too, but it's confusing. On the top form it says RRB-1099 and has info for both 2016 and 17. The next 3 slips are RRB-1099-R - the amount listed is different, and nothing is said about 2016.

Of course, I entered the new info (plus seeing what would happen if I put 1400 in my traditional to max it out.)

The only form that matched the available forms for the railroad was the RRB-1099-R. So that's all I entered.

Somehow we just barely squeezed past the saver's credit.

Even so, once my retirement contributions from work were entered correctly, it shows us a refund of $825 federal and $166 NE! (with maxing my IRA - otherwise 625 and 66.)

I still need the form from Vanguard before I can file, but I think we may be getting a nice little boost after all.

Whew!

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Thanks all for your comments on my last post. We had another discussion last night that didn't go well. Either he thinks I'm being controlling (You make all the decisions anyway!) or he's upset because I didn't roll over backwards trying to figure out how to do what he wanted. (Which is what happens mostly ...)

I tried to start off the whole thing by showing him how much our networth had grown since August - from 237k to 262k. He of course has to nitpick what I'm including in networth (not house or other non actual dollar figure assets - the house, because I don't think we would be able to sell it for what we paid for it, and the rest are depreciating, so what's the point?!)

UGH!

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In other news ...

I got my bullet journal Sunday. I had a little time to work on it that night, and then spent a lot on it today at work.

So, here are some pics.

The cover.

The Index / Collections

Feb Spread

Habits / Tasks

Master Grocery List (part)

Here's the cover of my morning pages journal - I wish I could have found a similar cover for my bjournal, but it's better than most.

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.

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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.

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My bullet journal stuff should arrive tomorrow.

I plan on having
An index
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

Collections

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.
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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!

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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.

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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!

So yeah, we have 5 vehicles. 4 of them are basically my husbands. 1 of which doesn't have a working transmission.

My car lives in the garage. 2 of the other vehicles live on our driveway. The other two are parked in front of the house.

Today we had a blizzard.

DH calls me around 7 and tells me he's been hearing that the mayor has declared a snow ban.So all vehicles parked on the street in snow routes or school routes need to be moved - effective midnight to 7 am.

We live across the street from a school ....

DH was going to try to come home between deliveries to play musical cars. He of course was VERY busy - nobody wants to go out and get food during a blizzard / bad driving conditions.

So I said I would do it. Argh!!

There went a very frustrating hour of my night.

I ccouldn't get the darn prizm to start. I got the truck started and drove it (first time ever driving it) into the garage. The garage door wouldn't close because the truck was too long.

So I looked at the map again, and realized that the street running on the north side of our property was not in the school route. So I decided to park the truck there ...

Cue trying to turn around in the street and getting stuck in the snow. Cue the truck blocking the majority of the street.

Thankfully I remembered that the way to get unstuck was to straighten out the tires.

I finally managed to get turned around and facing the correct way. Only to be completely stuck again. Oh well. Its parked near the curb and facing the right way.

So then I call DH and tell him I can't get the durn prizm to start - even with messing with the steering wheel. We figure out that I was using the wrong key.

Oy vey!

I use the correct key, get it turned on and brushed off, and put it in the garage. Of course only after I pull into the garage (with the door firmly shut) do I remember that there is no inside door handle.

I try rolling the window down but it wouldn't go down far enough for me to be able to reach the outside handle. I waited and waited.

Finally I decided to try rolling down the back window and reaching around. Whew! That worked!

Let's just say I'm not volunteering to do this again.

*But I will say that it wasn't that scary driving the truck ... I may actually be willing to do that again.

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When I got home tonight I spent over an hour Getting Things Done!

I went through all the papers on my desk and sorted out what needed action, what could be tossed, and what needed to be shredded. Clear desk!

Then I went into my closet and got the big pile of folded clothes from 3+ weeks ago that I hadn't gotten put away ... and put them all away!

I also emptied out a bunch of different bags of stuff that were hanging off doorknobs ...

I also got my clothes out from the dryer ...

Yeah. I felt accomplished, even though this is stuff that should have mostly been done a long time ago.

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DH has set up an account to do trading. I'd sold $5k worth of our stock in our taxable account for the express purpose of letting him have it to "play" with.

Years ago he did a lot of day trading and really enjoyed it. So, that's kind of what he'll be doing again. He told me about the stocks he's looking at, and his reasoning. Sounded pretty reasonable to me.

I'm interested to see how he does with it.

For him, there's only an IRA and taxable investments really to put money away for the future.

I'm okay with losing $5k if that happens. (Although obviously I hope it doesn't!)

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No spending yesterday or today. Probably none tomorrow either unless the roads are better (was focused on not getting into a crash today ...)

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.

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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.

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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.

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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.

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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.

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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.

Huh?

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?

My DH got his W2 form last night. So I decided to input what I could for our taxes.

I don't have my w2 yet, so was going off my last 2017 statement (not sure how to figure out the retirement portion) and also gave best estimates on stock sales. That gave us taxes owed of $5.

Then I added in the $1,038 annuity from DH's late sister. All of a sudden taxes owed went to $638!! Um ... hopefully when I get the actual form it won't be this bad. But seriously, that's most of it!

I'm really regretting selling the non-tax exempt stock this year.

We may have been better off having put our IRA money in traditional rather than ROTH this year ... it looks like we won't get the tax saver's credit thanks to the annuity plus stock sale. UGH!

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 ....

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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

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Walgreen's -27.25
razor - $9.99
Airwick refills (2 pk) - 6.99
Get Well card - 2.99
Daytime cold/flu syrup - 6.29
Black cherry water - .99

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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)

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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.

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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.

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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

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Spending

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):
Aldi's (groceries)

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.

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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!

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Spending: $0

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

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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 started feeling run down about a week ago, but pushed myself through work til the end of the week. Of course, as soon as I didn't have to go to work, my body completely gave in to the yucks.

I had really been hoping to do a lot of cleaning and making ahead items for the freezer this weekend. About all I got done was clean the kitchen once after making the beefless stew (and then DH makes a new mess making one last rum cake ...ergh!)

I am probably going to take a sick day tomorrow as well. Hopefully my supervisor isn't going to think I'm just trying to extend the long weekend.

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Yeah, about the "beefless" stew I made yesterday. Definitely not a repeater.

The cauliflower recipe I made from the How Not to Die cookbook though was a hit - especially the lemon tahini sauce.

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DH really wanted to see the Peach Bowl.

I had bought a digital converter and antennae for our huge analog tv in case it was showing on a local broadcast channel.

It was showing on ESPN of course.

So ... I signed us up for the 7 day free trial of Sling - I checked off just about everything you can check off for. If I let it go past the free trial, it'd cost $118. Hah!!

Let's just say we are NOT impressed.

I couldn't get it to work on my DHs Chromebook. And then when I DID get it working on my Windows 10 computer, I couldn't record off the ESPN3 channel - so not only did DH have to wake up early to see it, I had to give up my computer for a few hours. (first world problems ...) DH also said the camera angle/video was really crappy. No play by play, commentary, etc.

Of course looking at the schedule, even with a zillion of channels, I'm reminded of why I haven't had cable in so many years. (of my own accord) There's just nothing on the majority of the time that's the least bit interesting.

At least on Netflix there's stuff like The Crown, When Calls the Heart, bunches and bunches of silly, predictable Christmas movies .... etc. I could go to Amazon Prime and find stuff to watch there too I'm sure if I ever ran out of things on Netflix.

Or you know ... work on reading the next book on my 52 books for 2018!

Or, gasp! do some housework!

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Poor DH is having to go out delivering pizza's tonight. The low is supposed to be around -8 F. He won't wear a scarf because it gets in his way, nor will he wear a stocking cap ... He will at least wear gloves sometimes.

I hope people are generous tippers tonight - both due to the cold nobody wants to venture out in, and due to the outcome of the Peach Bowl game today.

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Accomplishments:
1st book of 2018 read - Treasured Grace (vol. 1)
2nd book of 2018 started - Beloved Hope (vol. 2)

No spending.

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.

So ...

Amazon -

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

Dollar Tree
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

Walmart
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

Aldi's
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
http://www.straightupfood.com/blog/2015/06/07/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.

Health:

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)

Financial

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

Personal

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.

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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.

I really enjoyed myself at the Nutcracker. DH tolerated it. Afterwards we ate at a Chinese place with a grill. I was able to fill up on grilled veggies and tofu.


I updated our budget and realized we only had $50 left in the grocery budget! I knew DH still needed to buy his turkey and the stuff for the rum cakes. That was $28. So I tried to buy as little as possible and make do with what I had on hand.

As I was making the tater tot casserole yesterday I realized I was out of veg stock, and only had one can of green beans. So I subbed green peas .... I've got a whole casserole to eat for myself (other than the piece DH ate.) Oh well.

I got my $50 Walmart card from Koinme, so I can use some of that for groceries without it affecting the budget.

I plan on adding a category for next year for Holiday spending - the extra spent for Thanksgiving day food, Christmas day food, multiple Christmas cards, stamps, and I did buy a gift card for my mom ... Need a separate category for this.

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DH gave me a spice rack for Christmas! It is beautiful - made of solid oak. He's going to stain it to match our cupboards and hang it on the wall. I'll take a picture of it once he's done that and I've filled it with my spices.

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DH has been pretty okay with us not having cable. But there are a few times where I know he's really missing it. This coming Monday (NYD) with the Florida bowl game (Scott Frost) he's really missing it.

So ... I finagled our household general budget a bit (i.e. borrowed from some more flush categories) and bought a set top converter box and antenna for his huge analog tv monstrosity that sits in our living room. Hopefully that setup will pull in whatever channel the game is on.

---
We woke up Sunday morning to 4 inches of snow! It was so beautiful.


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DH went with me to the Christmas Eve service at my church and then we went Christmas light looking. We ended with my favorite one - the place I call the "Alley Place."

Afterwards DH made his rum cakes. 1 for us (mainly him - I had two bites of it.) 1 for the partner and sister of his sister, and 1 for his long time friend.

We however were out of good paper plates. I did NOT want to use any of my real plates (did that last year for the one we gave his sister, and only got it back after her memorial service ...) So ... I ended up driving our Honda CRV for the very first time.

I don't like driving vehicles that are high up off the ground, but this wasn't too bad - other than backing up ...

I still haven't driven our pickup truck. (And won't for awhile now since the insurance for that is now covering the CRV - until winter is over.)

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I'll be taking Kari (cat) to the vet again tomorrow for a recheck. Hoping it won't be another $168. I'm pretty sure she's over the UTI though.

It would be nice to not have any activity in our pet fund (other than food/litter) for at least 6 or 7 months so we can actually rebuild our funds to a reasonable level!

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Well, I hope you have a wonderful Christmas all!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Also Citi DC - $26

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

My ROTH is short $1045 from being fully funded.

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

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

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

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

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

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

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

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

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

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

Kari has a UTI - I dropped her off this morning and picked her up after work. $168. Sigh.

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The Nutcracker is this Sunday!!!

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I bought two Christmas gifts this year. One for DH (after he told me he'd gotten me something, and then after I asked him to tell me explicitly what he might like ...he's impossible to shop for,) and a movie gift card for mom and her husband. (from Raise.com) All in all, about $80.

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I'm debating about what I want to do on Friday. I took the day off as a b-day gift to myself. Usually I'd go see a movie or something. But having had the Moviepass the past few months (now canceled) it's not such a special thing.

I have a doctor's appt in the am, so that'll get me going. Then I want to stop at the Oriental market and stock up on tofu. Maybe get a mani/pedi? Maybe stop at Lane Bryant and see if they have their bra sale yet? (Desperately in need of new ...) Or just go home and spend the day chilling with kitties and Netflix.

Hmm...

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On Sunday I had a couple teenagers and their younger cousin here helping me get leaves picked up and into bags. The garbage service doesn't charge extra after Nov 30. The 4 of us did 10 bags in about 2 hours. I paid them $30. It was WELL worth it. There's still more to go (after 20 bags) but it's much more manageable I think.

I was a bit perturbed at DH who decided to not come out and work in the yard while the kids were there. He did go out later (after dark) and got a good bit done on our deck.

With DH's shoulder/back/knee issues and energy level issues ... I'm really thinking it may be time to hire a yard service. Otherwise it slowly is falling on my shoulders. Everything. And its not like I'm a ball of energy either. We got a house with a yard like this for DH. I just wanted space for a small garden.

I don't know where the money would come from for that though ...0

So I checked the website today to see if our taxes were posted yet. They were! We paid ~$2300 last year - but they upped our taxed value from $113 to $142 so I knew they'd be up a good bit.

I guestimated $3k and have been saving $250/mo towards that.

The new tax amount? $2760! That means we have a choice - move $240 to the CRV tax/registration category or something else; recalculate what we need to save monthly and absorb remainder into budget, or keep the extra as a buffer. I'd be fine with any option.

I was told today that we should have protested our assessment since it went up so much. I didn't even think about it due to thinking there was no point - it was the accessed value at the time of sale. If so, too late now.

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I got another leaf bag done tonight. Tomorrow afternoon I have my dentist appt in the pm and probably will get home a little early. Hopefully I can get 2 or 3 bags done before I have to go help out with the costumes for our living nativity. (Sat night program.)

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I am debating on the wisdom of getting a $25 AGC card. It's a free $3 (only 2200 SBs for first one) vs the $25 Paypal for 2500 SBs. I sometimes wonder if I spend the AGC $ more freely because I don't have to account for it in my budget. Whereas if it is cash, then I have to account for it.

Is it worth it to lose the "free" $3 to get only PayPal from SBs? In a year's time that's equal to 1 1/2 $25 giftcards ... But do I piddle away $36/yr of the "free" money?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I also am loving the easy list making.

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

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

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

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

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

Sunny crossed Rainbow Bridge on Saturday. We buried her in our backyard. We had the vet give her a sedative first - which I think made it a better experience (only my second time seeing a pet put to sleep.)

It feels strange not having her sleeping with me, or getting up on the kennel for food ... but it is for the best.

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Tomorrow we're having a meeting with the two head honchos about the lost and found policy.

Can't come soon enough seeing as though just today I got hung up on before I had all the info I needed and was patronizingly asked if I'd told them we're not responsible for lost items. Good thing it was over the phone and not in person ...

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I did some black Friday shopping - bought 4 Alexa Dots to use as an intercom system, etc. DH isn't too excited, but he'll catch on eventually.

Also subscribed to Plan to Eat. Am going to give it a try.

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DH agreed to go to the Nutcracker with me for my birthday! 2 tickets were $83 after all the add on fees/taxes. It'll be Dec 17.

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I have a doctor's apt this Wednesday. I'm hoping she can figure out why I'm still way low energy even with eating so healthfully. I'm wondering if my synthroid needs adjusting after having lost 30+ lbs, or if my iron is low again ... or ... who knows.

So ... the positive. DH has FINALLY found his all weather vehicle. After over 1 1/2 years of looking.

A 2000 Honda CRV for $4k. We now have FIVE vehicles. We WILL be selling one ... I just am not pushing it right now with Sunny and more fun with SIL's estate.

I might even be willing to drive this thing. It is in nice shape - nice enough that DH plans to put in some of his numerous speaker systems to try out.

I'm just glad to not have DH say - lets drive to Des Moines to look at such and such car - not call till we're nearly there - and find the car is sold. Or look at it and find its rubbish. Done with that!

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I am seriously hating my job right now. One of my responsibilities is dealing with lost and found. A few weeks ago my supervisor and someone else cleaned out the lunchroom and threw out the umbrella box w/ a month's worth of umbrellas. No mention of this to me. No asking if I wanted to do something else with them. I found out only because I noticed the box was missing. When I brought it up to my supervisor, she just basically shrugged and said the lunchroom was overrun with stuff and the umbrellas were old ( time wise) anyway.

This on top of how almost *every time* I go away for a few days, I come back to find my space rearranged or the work flow rearranged to a way that suits my supervisor. This irritates me to no end, although I try to tell myself that she probably thinks she's doing something nice for me.

Then there's dealing with the people in dispatch and lost items. They've trained multiple new people, and some work with me, and some want to do as little as possible.

I get that we are not responsible for lost items ... but when someones lost something, they *don't* want to hear that.

I don't call down for everything I get calls about. I try to deflect as much as possible. Especially since I never know who is actually going to answer in dispatch.

So today I have this mom call about her daughter leaving a $1300 violin on the bus. I call down asking for dispatch to contact the driver. I basically get blown off. I try to tell mom that we are getting in contact with the driver and she can check back on Monday after 8. (because its 3:40 and I have no idea if or when I'm going to get a call back from dispatch)

Mom wants to leave her info so I can call her - I have to tell her that I can't do that (Supervisor's policy)
I do find out when the bus will be back - so tell her she can wait for it at Dispatch in case the violin is on the bus. (not our normal policy, but was ok'd by another supervisor due to a fiasco we had a few months ago with a family heirloom violin stolen on a bus)

Mom calls principal unhappy with my not helping her.

Principal calls the supervisor/school liaison to find out the deal. Asks me what's going on. I admittedly did not react very well. Was so frustrated with not being able to get answers and then getting the blame!

Got the bus driver supervisor to call dispatch - of course he didn't get blown off. The violin was secured.

Mom calls again and I seriously didn't want to speak to her. I was just ready to have the day over!

This is just ONE example. There's another dispatch that gives me a one word answer and hangs up on me.

Then thanks to the latest iOS and Android updates killing all 32 bit apps, the past month I have had SO many phone calls from people complaining about "our" apps not working. They're 3rd party apps people! We have NOTHING to do with them! I'm sorry if you paid $4 to upgrade it - but you didn't pay us that money. Most of them just whine and moan for 5 - 7 minutes, but there have been at least 5 who have gotten totally irate.

Today I had one call me back asking if we could help her get her money back or figure out how to stop the payment. I asked her when she bought it - she said sometime last year and she couldn't remember if it was a yearly fee or a monthly. I was incredulous ... but told her that while we can't do anything about it, I would suggest she keeps an eye out on her account and if she sees a charge, dispute it!

I tracked the calls for a few weeks and got my supervisor to bug the main honcho enough that the links to the apps were removed from our main website. (There was a disclaimer, but who reads disclaimers?)

DH has suggested I sit down with my supervisor and come up with a written out list of needs/expectations wrt lost and found / dispatch. Something we give to anyone working dispatch.

Hopefully by Monday I won't be so ticked off and can approach the matter calmly.

Sorry for the vent.

Tomorrow after church I'm supposed to be going to the Center for People in Need to volunteer at their Thanksgiving give away thing. I know I'll have fun, but right now I really don't want to go. I just want to sleep and be away from people. I'm peopled out.

So on Thursday Sunny went in to the vet to have two teeth removed and be tested for the circevirus. (sp?)

The end result - 8 teeth were removed / fell out, she was tested for the virus and biopsied for cancer.

The vet said it was either cancer or gum disease.

I was hoping for gum disease. No such luck.

Our sweet baby girl is going to be heading to the Rainbow bridge sooner than later. I'm going to miss her so much. She is my favorite by far. Not very much of a cat's cat, but loves her humans.

With all of the vet visits in October and November, put pet fund is down to $400. A few months ago we had nearly $3k. I would spend it all again if we could've had a different outcome.

Lots of money spent at the vet the past few weeks on our little Sunny girl (cat.) Vet thinks she may have a c something virus.

We may have two teeth pulled and possibly have some mouth sores biopsied on her. Hoping we can figure out how to make her comfortable, if not better.

--
I decided to cancel the clean food dirty girl food plans - just too much for just me. Most things DH tried he didn't like. I'm going to go back to simple and boring.

---
I got my oil changed at Sear's today - used a Groupon I thought had expired, but it took it at full value! So I paid $4!

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My brother's band had their album debut on the 22nd. My brother wrote five of the six songs!

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I'm going to be opening an Infiniti account and parking $5k there at 5% interest. Then I'll have $16k in all at 5%, and the rest of cash at 3%.

I'm also considering this account where if you deposit $50/mo for two years, they'll give you $150 bonus. It works out to 10%.

*Both of these are on Doctor of Credit

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Check your AmEx deals - Petco has a spend $25 get $5 off deal (online) plus lots of other deals.

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Talking to my brother a few days ago, and I realized that he is 37, mom is 67 and grandma is 97!

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We may be getting a little money from DH's sisters railroad benefits. Her son may be getting $12k and has said that he'll give us 10% since DH has done a lot of the work. We'll see what really happens though.

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I redeemed $40 from ReceiptHog a few days ago.

Hi all.

So on Thursday I got my Retropay - minus the OT hours (next check) and it was $768.xx. After taxes and retirement, it was about $576 extra. Not too shabby.

1/2 of it will go to our general budget and 1/2 will go to my fun money.

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I bought two clothing items from Grayson for $27. I'm disappointed in them, but it'd cost nearly $10 just to ship them back. So ... I'm thinking of just keeping them and making them work. One reason I don't like buying clothes online!

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I hadn't updated our budget for awhile, but finally got around to it yesterday. I was surprised to see we'd only gone through 1/3rd of our budget.

Of course I need to go grocery shopping tonight .. so we'll see what happens.

I decided to sign up for the clean food dirty girl meal plans - $20/month. I've kind of been backsliding on my eating and think part of it is due to boredom. So I'm hoping that having meal plans set out for me will alleviate some of that. We'll see.

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As some of you may remember, my brother lives in Napa. So far he has luckily not had to evacuate, but he's assured me he has his car packed and ready.

So sad about all those places destroyed and lives lost. Redwood Adventist Academy (one of my church's highschools) was completely destroyed.

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I'm planning on going to see The Princess Bride on Sunday at our downtown theater. 30 year anniversary showing. It's also showing on Wednesday at certain theaters across the USA.

After that we'll probably be going out to eat at Golden Corral again - Groupon deal 2 meals for $19. (all you can eat Prime Rib ... yuck.) I'll be loading up on fruit and veggies.

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We're making slow progress removing the brush pile that our errant fence guy created. Probably two more truck loads to go.

I have the feeling the fence will not be put up til next spring ... Hopefully all the wood we have will make it through the winter (for the fence.)

What a fiasco.

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DH fixed the warm air blower machine. I thought it was dead and we'd have to get another one. But Thursday night he took off the shield and futzed with it for 5 or 6 minutes, and Voila! it was working again. $30 not spent!

I've put on the electric blankets and our wedding quilt. It was very welcome Thursday night, but last night it was too much.

Haven't turned the heat on yet though.

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I'm going to Aldi tonight to see if they have the $50 HP wireless printer. Our printer stopped printing 6 or 7 months ago, and there have been multiple times we wished it was working.

I've been needing a new pair of jeans for awhile ... ones that aren't about to drop and give a show.

So Thursday I shopped at Aldi's and picked up a pair of large yoga pants - got them home and they fit!!

This gave me the courage to stop at Goodwill today and see if just possibly I could fit into size 14 jeans. The jeans I've been wearing are size 20 ...

I found ONE pair of size 14 jeans and picked out 3 pairs of size 16. I ended up only trying on one pair - the size 14 jeans! They fit!!!!!

Not only did they fit, but they are Gloria Vanderbelt brand - so a pretty good quality brand and in REALLY good shape. ($7!)

I really needed this because the scale isn't showing any real progress lately ....

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I'm planning on going to see The Mountain Between Us on Saturday night (moviepass!) Then on Sunday I'm going out with a group of ladies collecting money for a place called Fresh Start here. Should get in a lot of walking!

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DH almost bought a Toyota Tacoma yesterday for $4500. He has $3100 in his car fund - said he'd take the balance from his fun money.

I wish we could put more away for the car funds - but taking $1k off the top each month for the ROTH's really spreads the rest thin.

There's so many things to save for. So many places for money to go. It sometimes seems as though there's never enough. Sigh.

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Our bathtub faucet has been leaking since we moved in, but has gotten worse the past few months. DH had a plumber come out on Thursday and replaced the 30+ year old knob. Problem solved! $114 - and hopefully our water bill will be reduced ...

So it was brought to my attention that I haven't posted here for a while. Oops.

I had a much longer post typed up, then firefox crashed on me ... so ....

*Still losing weight (*slowly*)

*Still doing the whole foods plant based / limited oil, salt, refined sugar lifestyle
(not 100%, but close to it.)

*Had to have a ring guard put in my wedding / engagement ring last week so I wouldn't lose it -
lost two ring sizes!

*Will be getting my retroactive pay on Oct 12 for the year our contract was in limbo. I'm estimating it
to be around $800 - 1000 depending on how the overtime works out.

*Been dealing a lot with sick kitties the past month. Antibiotic shots, steroid shots, antihisimine pills ... Fun $$$
It does look as though we might be on the other end of it now though.

* Fence guy has completely abandoned us and his tools. DH sent him a text over 3 weeks ago telling him that when he comes
by to pick up his tools, to please bring us cash for the difference between what we paid him already, and
what has actually been purchased/man hours worked. Zip. Silence. Guess we have some extra tools now.

I signed up for MoviePass and used it twice this month. I would have used it more, but there weren't any movies I wanted to
see last week, and this week the ones I want to see are only at the downtown theater. So .. maybe on Monday after work.

(I saw Wind River and Home Again - liked both of them.)

Ok, I can't really think of anything else right now. I'll try to not let so much time go between posts.

This morning while out on my walk, I came across a baby squirrel sitting by the curb on the street. It was trembling from fear I think. I wasn't sure what to do, but I couldn't just leave it. So for about 20 minutes I stood there and made sure cars knew where it was. (It went out in the middle of the street at some point.)

Finally I thought of the Wildlife rescue place my DH has taken animals to in the past. I called and was advised to find an empty box to put it in, and leave it under the tree where I suspected it came from - then leave the area for an hour.

A man was washing his car across the street, so I asked him for a box. Then I picked up the baby and put it in the box. I stayed at a distance for about ten minutes to make sure the baby didn't escape, then reluctantly did another 30 minutes of walking.

The baby was still in the box.

I called Wildlife Rescue again and was told they'd get in touch with the volunteer and call me back. 20 minutes later with no call, I picked up the box and went home.

The cats were curious, but I kept the box in my sight.

2 hours later and still no call. I called again and was told the wrong volunteer had been alerted. Um .. ok. Ten minutes later I got a call with an address where to take it.

It was right around the corner from my late SIL's house! So after dropping off the baby squirrel in a kennel, I stopped by and picked up more of SIL's mail.

We are still waiting on the Railroad to see if she has any money coming. Then we'll know if we have to contact her creditors with a SOL letter, or decide who gets paid until the money's gone.

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We're going to Golden Corral tonight - DH wants the prime rib. I bought a groupon - $17 for two people. I can find lots of fruit and veggies ...

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I signed up for MoviePass - $10/month and see one movie per day at the theater. There's times I want to see a movie, but unless I want to pay $10, I'm limited to Tuesdays. So once my card actually gets here, I'll see how much I use it. I figure 2 movies a month would pay for it.

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August Snowflakes

$100 - Swagbucks
$50 - Koinme
$25 Perk

I didn't cash out on anything else because I'm trying to wait til it gets cheaper.

Also got my cost of living raise and 5 hours of overtime.
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Sunny is still sick. I took her to the vet yesterday - antibiotic shot and steroid shot ... $96.

I also took Kari to the vet last week - she hurt her leg somehow. Another $90 for the visit plus pain meds.

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My brother's band is recording an album right now! I need to set aside some money to buy it.

Our little Sunny girl is still sick. She started sneezing blood and having a bloody nose. I took her to the vet on Thursday and the vet gave me some anti histamine pills. DH has been giving her the meds and it's really stressing him out - especially since they don't seem to be helping.

I'll probably have to take her in again on Monday or Tuesday. At least the vet only charged for the meds on Thursday. Sigh.