Frugal Friday

It’s been a nice week. Very low key overall. The weather is cooler but still no rain. I guess I’m ready for some rain and we do it need it as things are quite dry.

The small fall garden we planted has given us some lettuce and chard and even a few radishes my daughter grew in a # 10 can. Too funny but they were the best radishes yet. We’ve had 2-3 nice salads and that saves a bit from buying store-bought.

I’ve been to the gym a few times to keep up on weights and treadmill but have been coming straight home and not having to go into Safeway. That really does save money. I think the Walmart pickup has really been excellent as I can see the amount of what I’m buying and planning meals too.

 Today I’m heading to Costco so that won’t be too frugal. This list includes Vanilla which for some reason is exorbitant.  It’s been that way for a while. Last year when B was still working I had ordered vanilla beans and made my own extract. But that is used up now.

I’m planning on getting a Costco pizza for dinner which is a money saver since it’s $10 for a huge pizza. I end up freezing some but that’s okay.

The year is winding down and I’m glad that 2019 will be over. It’s been a hard year with everything. B still hasn’t decided about going back to work but I think it’s about 90% that he doesn’t want to deal with all the stuff again. We’re not sure how the disability payments will go in January. They’re due to end Dec 31st so if there’s an extension, I don’t know yet. It’ll be harder with just SS $ but I think it will work although Costco’s trips will be MUCH smaller:)

Frugal Friday

No, not really. Although we haven’t been spending money carelessly. Our grocery budget is our biggest variable expense. I budget $200 a week for everything including pet supplies, non-food items, wine, food and misc. That seems to be a good amount for us.

But when you factor in Costco trips like in August, I definitely go over.  The Costco trips are often items that last a few months if not more. I’ve tried separating out non-food and then I get all confused and lose track of what was what so if I just lump it all together it works better for me.

For August I’m trying out $125 a week and I’ll see how that goes.

We aren’t going on any trips this year due to the medical stuff so there are no expenses there.

We also can’t eat out as B can’t have restaurant food yet. Although I have gotten him In an Out french fries and a shake as he needs to gain back about 20lbs. So we don’t really have an eating out budget. I have gotten a pizza or two so there’s that.

We also don’t have any big projects around the house but there are a few things. We absolutely need to fix our step coming out the door. It is awkward and has two levels so he and our daughter will put down a new concrete step that covers both and goes out farther. We wanted to build a deck out level from the front door and then a step-down but a deck would probably run us $3-5,000. So not now.

We’re on the fence about getting more trees down. I think we will call and see about at least 2 and get an estimate. We still have too many trees that are very big around the house.  But that too is a very expensive project.

We still have co-pays on the medical side too and the GFM is being used for that but it’s getting low.   The $6,000 from the beginning of the year is almost paid off. The transplant co-pays haven’t even shown up yet. Yikes, that could be scary.

Well, all in all, we’re doing okay.

Frugal Friday on Saturday

This week was okay budget wise.

We did go to Trader Joes and I haven’t decided whether to make that part of my May grocery bill or just call it for April which now sits @800. This includes all food, non-food, cat food, and alcohol( which is just wine for me as B is not drinking at all with his treatments.)

I’m leaning just calling it for April and just moving forward.  The only extra bills were the medical co-pays. One was for $500 and the other $350.  That’s just medical and part of how we’ve budgeted the GFM money.  All other bills are done and the budget is set for May.

We’ve sent in the long term disability forms but really don’t know how they would calculate that.  It would be nice but I’m still not sure even how that works.

I went to Target and got a fan since now the weather is getting warmer. I also picked up cat food and some cloth napkins we needed.

We did go to Home Depot for more garden supplies but I consider that seasonal expenses especially for the garden which will produce veggies. That was @ $130.

Tomorrow is a gym day and B needs platelets. So I’ll go and then wait at Starbucks for him as it usually is a shorter infusion.

Dinner is Greek Chicken Souvlaki.

 

Simple Sunday

We are out early for B to get platelets. But he isn’t done so I’m sitting at Starbucks waiting.  I’ve already been to the gym, Safeway, the bank, and the car wash so I guess I’ll just chill till he’s done.

We had our first BBQ last night. I did salmon I bought at Whole Foods last week. It was good.

Tomorrow I need to go to the Apple store as I ordered the wrong Ipad cover and I don’t want to send it back. r just go there and exchange. My daughter is going to come along and then we may go to a few stores. I may go back to Whole foods for a few items for this week.

We don’t celebrate Easter but do celebrate the pagan celebration of spring. Of course, Easter started as a pagan celebration and then somehow Christians turned it into palm Sunday and then Easter.  I love that Easter is still predicted by the first Sunday after the full moon in April. Of course, Passover is celebrated too.  And Of course, Jesus was a Jew, not a Christian as there was no such thing.  The first gospels weren’t even written for 70 years after Jesus’ death. Ahhh, real accurate I’m sure. Ask any 70 year old what happened all those years ago. Hmmmm.  thought so.

 

Oh well, enough of my Atheist cynicism.

Our week ahead looks pretty good. Regular labs for B and then I have the dentist on Tuesday.  That’ll be long and I’m not looking forward to my mouth being drilled and yanked for a few hours. But I have to do it while we have dental insurance.  I’m going to schedule a different appt for the Invisalign scan but hopefully this week. Then all I need to do is order my prescriptions so I have enough while the new insurance to is processed which I was told needs to be after Medicare approves me. I’m going double check to see if that’s accurate but I’m assuming the social security guy knew what he was talking about.

I’ve done a menu for the week and I don’t need a whole lot. Maybe some veggies which I could get at Whole foods tomorrow.

Also, the budget is done for the month.

We’re very proud of our son, Zephyr who will be graduating from Sac State in May. No student loan debt and it took incredible focus and fortitude to drive that 4 days a week. It’s an hour or more drive on way. We’re planning on giving him some money as a graduation gift.  Then he can buy what he wants.

For those following Flylady, we’re in the bathroom zone. I had my daughter use some leftover paint and redo the ceiling. One of the great things about loving a paint color is when you need to touch up it’s so easy.

Friday stuff

So yesterday was another test for B. This was the cardio stress test. Today it’s an EKG and x rays. So all that’s left is the CT scan in May and he’ll be ready to go to transplant.

Yesterday I drove and my daughter came along and we went to Whole Foods and then Barnes and Noble. Barnes and Noble is such a waste. It is so expensive. I was checking out cookbooks etc and they are full retail price as opposed to Amazon where it’s usually half that.  It was nice to look at the books but I want interested in buying.

Then since B hadn’t eaten we went out for brunch and it was really nice to do. I’m definitely a Scrooge when it comes to eating out but this time I was okay with the bill and the food was good. Not great but good.

So then today I’m going to forge forward to Social Security and be prepared to wait.  I figure 2-3 hours all said and done. After that, I may go to the gym but it kinda depends on how I feel.

My food budget is pretty much used up for April so I need to use all of what I have in the refrigerator and freezer. Tonight I ‘ll make a homemade pizza.  If anything, I’ll need salad stuff but right now I’m set for the next week.

 

Our weather looks really nice this next week with temperatures in the 70’s which I am so ready for. All our grasses are growing like crazy so the mower will be going none stop. A lot of this is seasonal grass, not lawns. We only have 2 small areas of lawn we keep green.

Some things have been planted but it’s too early for tomatoes, etc.  I think my daughter(the gardener) did plant lettuce and radishes so we’ll see how they do.

Next week looks open except me trying to get this crown done. I’m not looking forward to that but since it seems dental with Medicare is non-existent I better do it now. Still, that’s another copay but whatcha going to do?

 

 

Five on Friday…Frugal Friday..

Well, definitely not frugal after the Ikea trip and ordering my new glasses yesterday.

The eye doctor is a really nice man and told me my macular pucker looks stable. He also said because of the diagnosis(?) not sure of its term, under Medicare it’ll be covered. So that was a relief.  The glasses I have now are called Lindberg, made in Denmark and I love them. They are expensive but since these lasted me 5 years and really I could have just kept them as my prescription hasn’t really changed. But I felt before jumping off the boat into Medicare, I better do all this stuff I can now.

Speaking of which, I was going to go into their office this morning but I’ve just had it with this week so I’ll wait till next. When I called to make the appointment, the person said: “oh, you can’t make appts for that, you just have to go in and take a number”. Great. More waiting. So that’ll be next week.

So, today is a gym day. And then to the store for a few items, cat food, half and half, and some deli stuff.

I talked with the UHC transplant person and unfortunately, the brothers travel and lodging is not covered so that was kinda a bummer and the billing is probably when he comes out of the hospital, so we know that’s going to be June. So we will have the full deductible which ( based on what they said before)is $6,000. So we’ll just ask for payments to be made or use as much as the GFM that will be left after paying for the brother’s flights and lodging.  I’m seriously, not going to worry about it.  I’m sure there will be enough stress with this whole thing to go around.

Dinner is an order out pizza. Round Table gourmet veggie, I think.

All in all, it’s been a good week. Next week is insanely busy with appts. Another biopsy, pulmonary stress test, and who know what else. But one foot in front of the other and JUST KEEP WALKING!!!

Midweek musings

OMG, it is still raining!!! And I 80 is closed again!!

My daughter left Truckee at 2pm, the freeway was already closed but she was able to convince them to let her thru. So today, who knows. It’s still closed and it’s supposed to snow all day up there. The forecast is rain, rain, showers, cloudy for like the next 2 weeks. I’m convinced this is global warming changing our weather patterns.  I can only think of a handful of times since we moved here in 1975, that there is this much continued non-stop weather.

Today B has a blood transfusion but his platelets are ok. So that makes this day 17 for the blood transfusion so that is a big win!! Hopefully, the next chemo cycle does it even better.

So I’mgoingto drop him off and then go to the gym since the blood takes a minimum of 5 hours. Then I’ll come home and do some chores. If my daughter is home, which I’m expecting with the way the freeway looked, she can go pick him up @ 2:30 or 3.

I think we will be hearing soon on whether his one brother is a match. Maybe early next week. But I think they are already looking in the National donor bank as well.  Since we see the transplant doctor in March, I suspect he will have a plan in place.

All the budget stuff is in a good place. With the SDI checks, we are able to pay the months bills. Since his form from his HR says May is his back to work date( which is totally not happening) we will need to resubmit something but I’m not sure what.  I’m guessing HR will need to put in another date.

Has anyone done that? and how do you update EDD.??? I guess we’ll bumble thru since we’ve gotten this far but I’m not even sure how we did.

I’m still planning the Medicare but haven’t even called the insurance companies yet for pricing. Maybe Friday I can do that.  My target date is June 1st. But of course, it needs to be all in by then and ready to go.

Dinner is unknown.