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"Never invest money in anything that eats or needs repairing." - Billy Rose
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Orchard Visit and Harvesting in the Garden

September 21st, 2020 at 06:39 AM by Lucky Robin

The air quality is back to normal here as of yesterday and thank goodness. We still have the new air purifier going because the house still feels a little smokey, even after cleaning the duct work and the furnace filters (has a cooling function, but not air conditioning). It is working really well. We got a Japanese made Zigma, which can do 1580 square feet. It's very quiet and it is doing its job well. After 3 days, I think we will be able to turn it off tomorrow.

Yesterday...
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Sunday Musings

September 20th, 2020 at 06:57 PM by CB in the City

Just got back from GS1's baseball game. I thought it was the last, but actually, there are going to be playoffs. Since his team hasn't won a game, they probably won't last long in the playoffs.

I spent $4 on coffee for myself and my son. When I came home, I started laundry -- $1.50.

This evening I am going to make cornbread chili -- that is just cooked-down chili baked with a layer of cornbread on top. When I mentioned this to my son he pricked up his ears. It was always...
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need $37500

September 20th, 2020 at 12:36 PM by mumof2

I have decided that this is how much I want to save in the next 18 months..for our house deposit..will be tight but that is our goal and something to work towards...hopefully we can do it...but we all need goals right!!
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Unexpected Savings

September 20th, 2020 at 12:32 PM by Firefly

My cell phone bill was $38.13 lower than last month. When I logged into my account to see what the difference was I found that I paid my last installment on my cell phone last month. 30 months of payments! I won't be trying to upgrade this cell phone anytime soon. I just pray that I don't start having problems with it. I upgraded to the iPhone X between my trips to England & Scotland and Greece because my phone was overheating & burning through the battery. I didn't want to go...
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I've Been Thinking About Goals

September 19th, 2020 at 08:35 PM by Lucky Robin

Aside from the propane grill we will be buying sometime after Christmas with Christmas and birthday money, I have been thinking about other things that I would like to purchase and other goals.

Of course my first big goal is to get the Emergency Fund to $30K, but a couple of things need to be done along the way over the next several years.

1. I need a new bed. I would like one that has the ability to raise and lower the head and foot of the bed and help me sit up, like...
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Payday Report for 9/18/2020

September 19th, 2020 at 07:47 PM by Lucky Robin

$318.52 Tithe
_400.00 Grocery Envelope
__75.00 Household Envelope
_500.00 Handicapped Ramp (finished paying)
1050.00 New Mattress for DS (delivered and old mattress removal
_280.00 Monthly Chiropractor Family Plan
__71.99 Life Insurance DH
__60.46 Life Insurance Me
_100.00 Spending Money Adults
_120.00 Allowances Kids
_100.00 Car Maintenance
------------
3175.19 Total Money Out

I also paid the six month's car insurance bill from the Car Insurance Fund. I set aside...
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Freezer Fund Update and Propane Barbecue Plans

September 19th, 2020 at 07:29 PM by Lucky Robin

Before I stuffed my envelopes, I emptied out the grocery envelope. I had $89 leftover from the last payday. Then Mom paid us back for picking up a blizzard for her at DQ. I threw the coins in the coin jar, but the $5 I added to the $89 and put into the Freezer Fund

$465.00 Balance Forward
+_94.00 Amount Added
-------------
$559.00 New Balance

With tax, the freezer I want is going to be around $1100, so we've reached the halfway point.

I don't think I've mentioned...
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Rainy Day

September 19th, 2020 at 07:09 PM by Firefly

It’s a rainy day here & I have turkey chili in the crockpot. 🦃🌶 The weather seems to match the sadness of the day with the loss of RBG. I admired her greatly. May she rest in peace & power. 🖤

Yesterday I received my final 2 paychecks of the month so I did some budget planner journaling. I still have expenses for the rest of the month, but my income is largely accounted for. My check was of course larger due to the OASDI deferral. Next month is a 3 paycheck month,...
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This & That

September 19th, 2020 at 04:46 PM by Monkey Mama

Insanity continues here, too much bad stuff to keep track of.

Good News: GMIL was released from the hospital and has been home for a couple of weeks. Phew! We visited her once in the hospital (through a glass window) and visited her at home through her screen door when we did our test EV run two weekends ago.

I never had time to get to it, we went to the Bay Area four weekends ago to pick up a new (used) professional grade trombone for DL(15). I had put some email alerts...
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Decisions

September 19th, 2020 at 02:37 PM by CB in the City

Okay, she says, hanging her head and shuffling her feet. I will make appointments for the dentist and eye doctor. Not till Monday, though.

And after that I guess it is most appropriate to call a plumber and look into replacing the toilet.

The Oregon trip is not just a money problem. It is a travel-during-the-pandemic problem and what-to-do-with-sick-cat problem. My sons understands. We have talked and talked about it. If an emergency arose, I would use a credit card...
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Some Car Spending?

September 19th, 2020 at 02:15 PM by Monkey Mama

I don't remember why or the context, but the topic came up at work: Cleaning off your windshield at a gas station.

I made a mental note. If we no longer go to gas stations... I suppose I should buy a squeegee.

One reason we wanted to replace our gas car was that we were just piling on *all* our miles on the hybrid car. Wanted to spread out our driving a bit and want to be able to keep both cars for decades if that is what we choose to do. Wasn't going to happen at the...
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need motivation again

September 19th, 2020 at 03:08 AM by Smallsteps

well it took a month but i finally received my refund from item i ordered but they never delivered.

Still never found any help with IRS to tell me why we never received any stimulus check. I guess i will deal with it in spring when I do taxes. I really wonder if many of these checks (prepaid card) went missing.

I keep fighting my urge to give notice. I met the 1 year contract date and have been offered new positions that sound more interesting work situations but the...
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maybe sme answers

September 19th, 2020 at 02:34 AM by mumof2

Had a good chat with my doctor...they are thinking that maybe a lotof my symptoms are stress and anxiety...not the dizziness but the rest of them...so they want to send me to a pyschologist who also does yoga...I will try anything at this point...it kind of make sense but since I don't feel stressed or anxious..then I just didn't think of it...and I'm not sure how to destress when I don't feel stressed so I'm hoping she will help...as I said I will try anything at this point...would...
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Our growing family

September 18th, 2020 at 05:08 PM by Gramma Ray

Since I last posted about grandkids, our family has grown quite a bit! I keep thinking we are at capacity and my kids keep surprising me!

DD1- has 2 bios, 2 fosters that they in the final stages of adopting, and 1 foster, who is fairly new in the system, but they are willing to adopt should it come to that.

DS - 2 bios

DD2 - 2 bios, 2 adopted (X and Z!) and 2 fosters.

DD3 - 1 step daughter and DD3 also had a baby girl in December!! (remember when I started blogging...
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Too Many Dreams, Too Little Money

September 18th, 2020 at 02:01 PM by CB in the City

I need to start thinking seriously about my spending priorities. There is so much I want and need to do, and not much income to work with.

What I really WANT to do right now is send out my table for refinishing. But I have to admit it is not a need, especially since no one is coming for dinner any time soon.

Contingent with this would be sending out the dining room rug for cleaning, while the table is out of the condo.

Another thing I desperately want to do is go...
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Another Student Loan Payment

September 18th, 2020 at 10:59 AM by Amber


I’m so thankful that I’m able to tackle these student loans so aggressively. Today I paid another $300, new balance on student loan 1 is $3680. In about two weeks I should be able to pay another $800 bringing the total below $3,000. It’s only the first of four loans but I feel fired up about it.

Since I’m averaging about $1000 a month in payments I’m considering not applying for the income driven repayment (IDR) plan, which will put my regular payments at about $650...
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Why I Lost my Cool

September 18th, 2020 at 01:21 AM by Lucky Robin

Okay, I've had a few days to think about it, and some encouragement from you guys, and if I let these people drive me off my blog, they win. I want to say right out that this was not caused by any regular bloggers or regular comment leavers. Even if I don't agree with the regulars sometimes, I can deal with their comments.

This was caused by a few people who are not regular recognized comment leavers who took it upon themselves over the last two years to go through and leave...
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Coolness and Chili

September 17th, 2020 at 01:34 PM by CB in the City

The weather has turned cool. Or, I should say, cooler, because it was pleasantly cool already. I hope it doesn't get TOO cool, because I'm sure the boiler is not turned on yet. I might be sleeping under blankets tonight.

So, it's a good day to make chili! I'm going to make a big batch, because I have ingredients to use up. But chili freezes well.

My oven cleaned up beautifully yesterday. There was just a small residue I had to wipe off. I've never had a self-cleaning...
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September Catch-up

September 17th, 2020 at 09:14 AM by Penny

Yikes! Where did the last 6 weeks go? It was all about cleaning up, fixing up, packing up. Since my last SA check in, I merged households with SO and we moved into a new place together...I helped my oldest daughter find a roommate and move into her first place... I updated my condo and found a tenant. So glad to be done with all of that!

Now I'm teaching online full time, until the virus situation has been managed and we can return safely. This crisis and the debacle that it...
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Wednesday Update

September 16th, 2020 at 10:09 PM by Amber


Friday is payday and I have $250 slated for the student loans 👩🏾‍🎓, I’m so happy about this. I’m just below $4,000 on my first loan.

I also started back using cash 💰 . I opted not to, due to the virus, but found myself spending a tad bid more, I’m glad, things are going back to normal, somewhat, and organizations aren’t encouraging credit cards 💳 . I simply, spray the cash with Lysol and wash my hands thoroughly.

Things are trucking along, and...
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