Category Archives: budgets

Frugal Friday

Posted in books, budgeting, budgets, home stuff, Pantry, reading, Uncategorized by

I guess it’s been a frugal week. By not going to Capitola we saved gas money and food money. So there’s that. But then I wanted to go to Costco and finish getting the extra things on my list like batteries, cheese, canned tomatoes, and some other small items, which added up to another $250. Oh, and B threw in a case of Sierra pale ale. Still, I won’t need to go back to Costco till the end of April when the coffee will need replenishing.

Yesterday, after Costco I picked up my library books. It’s a good haul of around 10 books. I’m really enjoying Phillip Margolin’s books.

When I got home I took the chicken broth I had made the day before, skimmed the fat off, and got the pressure canner ready. The chicken broth only takes 25 minutes at 15lbs of pressure so it went quickly. So far then I’ve done chicken soup, chicken broth, and pinto beans. Next is the split pea soup but I don’t plan on doing that till Sunday.

All our big annual spring bills are done which include property tax, Allstate, and IRS. So now there’s nothing big till Fall and I’ll start saving up for that starting in April. Oh BTW, we found out that the eviction of our neighbor was due to a foreclosure that happened last year but took this long to process and serve the eviction. Amazingly, it sold at auction for $105,000 which for Meadow Vista is shocking. You can’t even buy land for that price so whoever bought it basically ‘stole’ it from her but really she was the one who let it go. Sad… Now why she didn’t sell and make some money, IDK. Maybe her health has declined so much she wasn’t really thinking straight. The owners I’m sure will remodel and flip this house as it’s still redeemable. They have had the junk removal people there at least 3X with a big truck. As I’ve said she was a hoarder! I still feel sad about it.

Today is just home pottering around day. I’m doing some house chores and am working on a thrift store load and food pantry drop off for next week.

Wild California Weather or Frugal Friday

Posted in Blood test, bread, budgets, California, camping, home stuff, ikea, Myeloma, Pantry, swimming by

We are still getting clobbered. Right now it’s been raining here nonstop and there’s some wind. There are flood warnings everywhere for N Ca, specifically the Sierras and the Bay area. At this point, I’m guessing we’re canceling New Brighton because of the flood dangers in the Santa Cruz Mtns. Plus we’ll be right on the coast so I’m not too comfortable with the whole idea. Also, the day we leave it’s raining nonstop all day in Capitola. Reserving something in March is always a gamble, so we’ll be flexible. I do hate to give up the spot because it was an electric one. Oh well, that’s life.!!!

This week was busy but not too bad. I swam on Wednesday and that was lovely. I went to the gym on Tuesday and the library. We went to Costco on Thursday( yesterday), and holy cow was it busy. We didn’t have a clue as to why. It seemed just a regular Thursday. Weird. Anyway, I got lots of things to bulk up the freezer and pantry. I plan on going back in soon to get a few things more that we need like AA batteries. I didn’t want to add them to the cart yesterday.

After Costco, we went to our favorite pizza place, Celestino’s which is the closest to a NY pizza I’ve ever had out here. Although I left NY in 1970, thankfully, NY pizza has always been near and dear to me since I grew up right next to Pepe and Eddies. Now that might seem strange since I grew up on Quaker Rd in Highland Mills which back then was VERY rural. But right up the road, actually, the end of the road was this Italian family who ran the restaurant. There was the grandmother, Nonnie, Eddie, Pepe, and 2 children, Barbara and Johnny. Johnny was a few years older than me and we did play together occasionally. Anyway, their pizza was the best, ever.

We also spent money at Ikea but I brought cash for that from my ‘home’ money. The Ivar shelf is absolutely fabulous. I wish I had room for a second one. Maybe if I look at the space closer, I may be able to fit it in but that would mean using most of the wall and I’m reluctant to do that. ( at least for right now).

I should have bought another shelf and actually when I did my calculations I had the extra shelf in there but Ikea sells the Ivar as separate pieces. I had figured the 5 shelves( as shown on the website were all together but they weren’t. I got 6 shelves instead of the 7 I had planned thinking that was all I’d need but I can see I need the extra one for pint jars and half pints. I love that I can see what I have left in the canned goods and what I need to do this summer.

This is such a clever system and the total was $115. So a fabulous deal.

Today is a home day and with the rain and wind, I’m glad to be home baking and tidying things up.

Overall, an expensive week but since it’s all stuff we don’t normally do, I’m ok with it.

My labs came in with another 6pt increase. 😦 so now I’m at 36.7mg/L for kappa Light chains. It’s a bummer but as I’ve said,” your blood is your blood and it is what it is”. I did go back and looked at the graph for my increases in 2019 and they really started doubling at about 55mg/L. So in one month they went from that to almost 100. And then the next month almost to 200mg/L. So that’s what I don’t want to happen this time. The Myeloma cells are clearly on the increase and why wait till I’m at 600mg/L to start treatment. We don’t even know if Velcade will be effective since this will be my 3rd time on it. Lots of unknowns.

Frugal Friday

Posted in budgeting, budgets, home stuff, meal planning, travel, Uncategorized by

Going over to Napa and spending relatively freely wasn’t frugal by any means. But we ticked off the boxes of what we wanted to do and it was fun for us. Since we generally do not go out to eat or buy expensive wines( ok, expensive to us is like $15 a bottle) it was an adventure.

It’s SNOWING right now. We decided to walk anyway and it was magical. Big fluffy snowflakes, the park all white, the white crane against the snow. Magical. Of course, that means no swim or gym day. But that’s ok, it is what it is. I’ll try for tomorrow. If it’s just raining, I’ll go. Right now I-80 is closed in both directions so if it opens up the freeway will probably be busy.

That’s the grey heron. The white one flew off across the pond.

One good thing is won’t have to go for any groceries except half and half. Both our containers of cream went off before their buy date. Weird. Plus I bought them both down at our Holiday Market. I have some milk so that’ll work for now. I’ll probably plan a Winco trip or Trader Joe’s for next week after a swim morning.

I started a big batch of pizza dough and will use one ball tonight and freeze the rest. I think I need to make some sauce though.

I’ve got March’s budget done. Everything looks about the same. I might pay the property tax just to get it done since I have the money in our annual bills account.

The (hoarder ) neighbor’s house has had some activity with a junk removal truck there at least 2x’s that we saw. I really do wonder what happened. I know she was quite unwell physically but to live in that garbage that we saw all over the floors is pretty awful. Would it be an eviction if the house was condemned? It’s sad really. I think that her home health aide, that was there at least 3x a week if not every day, would have called a family member or something so she could have gotten the help she needed. Years ago when she was an oxycodone addict we tried to help and offered to clean out some things and she refused. That was over 10 years ago or so.

Well, it’s still snowing. I swished the bathroom, started the sheets in the washer, did the pizza dough and am having the Eufy (the robotic vacuum) an inexpensive version of the Roomba vacuum the floors. I saw this on the Non Consumer’s advocate’s blog. And if she bought it she must have thought it a good thing as she NEVER buys anything if she doesn’t have to. I will say it does do a darn good job. It runs about $140. I think she got a sale and bought it for $99.

Frugal Friday

Posted in bread, budgets, cash envelopes, cooking by

We went to Costco yesterday and spent just under $400. That included clothes for B( sweatpants and sweatshirt), and lots of nonfood items, like my Krill oil pills( expensive even on sale) $20. The regular stuff of coffee, bagels, cheese, veggies, bananas, and some frozen food. All in all, it was a good shop. That’s probably all I’ll do for a few weeks with exception of milk, half and half, and wine or maybe something nice for Valentine’s Day.

After Costco, we had our Date Thursday and went to our favorite Mexican restaurant. We hadn’t been there in at least 6 months. So that was fun to do. I’m using a cash envelope for ‘dates’ and that’s how we paid.

Today I’ve been pottering here and there around the house. I moved my Ficus Tree to the LR where it can get more light. I started another sourdough loaf. Tidyed the kitchen and swished the bathroom. I’m trying to figure out a different way to slice my boules. I looked up a bread slicer and saw a few under a hundred that could also slice meat and cheese. It seems like it would certainly save money in the long run. When I buy deli meat it’s usually turkey or ham and since it’s Boars head it runs $17 a pound so it’s pricey. When I was in Costco I looked at their turkey breast (cooked) and it came in at About $17-20 for 4 lbs. So that would be a huge savings. I am also going to check the price of a turkey breast that I could cook myself. I just don’t want something with lots of sodium.

Tonight I’ll make a homemade pizza since last week we ordered takeout. That’s probably all that I’ll do this month. When we’re in Napa we will go out to eat but that comes under travel.

I plan on looking at our taxes again this weekend. I guess the middle class refund we got last year is confusing. It won’t be taxed by Caliornia but for the federal government it isn’t decided or something like that. I plan on just putting it under the 1099 and see if it affects our taxes. I kind of doubt it but I’ll put it in and see.

If anyone has any suggestions about a meat/bread slicer let me know or cooking just a turkey breast to slice up. I was also looking at an electric knife which some bread makers suggested so that’s an option too. An electric knife would be cheaper than a slicer. Does anyone have an opinion on an electric knife for cutting sourdough bread?

Simple Sunday

Posted in bread, budgets, California, camping, Flylady, meal planning, Pantry, travel, Uncategorized by

Another rainy Sunday.

I went to the gym in Auburn(Anytime Fitness) and did the treadmill and weights. Then I went to Safeway for some groceries to tide us over till we do Costco.

So far the menu planning for the pantry this week is:

Cheese/chile tamales from the freezer( used up the last 4) with refried beans and salad

Beer Brauts from the freezer( the last pack) with peppers, sauerkraut, canned baked beans( my shelf stable beans I canned, and Boca burger for B.

Chickpea curry over brown rice with broccoli( using up broccoli)

Tofu burgers

Chicken noodle soup/ lentil veggie soup

I’ll see what else is in the freezer and add a few more meals. I probably can’t get thru all February but I know I can do another week at least.

I’m back making some sourdough and have done a few loaves already. I plan to freeze 1/2 of each loaf so we have bread ready for toasting or grilled cheese.

I’ll see what else is in the freezer and add a few more meals. I probably can’t get thru all of February but I know I can do another week at least.

I’m back making some sourdough and have done a few loaves already. I plan to freeze 1/2 of each loaf so we have bread ready for toasting or grilled cheese.

There’s nothing on the agenda this week so It’ll just be normal stuff. B did book us a reservation at Napa RV in a few weeks. There are full hook ups which is always a treat and that’ll give us a chance to take Rubi out for the first time this season. It’s only 2 nights but it’s also only an hour and a half away. Maybe with towing. We really enjoyed our stay there last time and knew we wanted to go back. Unless there’s a really terrible storm we’ll go even with a little rain.

The Flylady zone is the kitchen if you want to do Flylady. Just set a timer for 15 minutes and declutter, wipe and clear counters, be sure there are no dishes in the sink or drainer, tidy shelves too. Just do what you can in 15 minutes and then do it again tomorrow. I have a laminated sheet that has my chores for the kitchen and I off each one when I’m done.

Friday things

Posted in books, budgets, California, library, swimming by

I just got back from swimming and the pool was busy when I got there and then emptied out by 8am. Maybe I’ll consider going at this time. It could be that all the people that work have left. It’s definitely busier at 7am. Traffic was very heavy heading to Tahoe( East bound) but I just went slower than the crazy Bay area people in their Audis ,Teslas, and Lexus’.

I have a few chores to do this morning but nothing too major. I started doing our taxes and got them mostly done. I just need the interest from the mortgage statement so I’ll print that out this weekend. We use the standard deduction so it doesn’t really matter but it asks for it so I’ll do that. Our taxes are pretty simple so it didn’t take long. It looks like we will owe a very small amount!

Tonight we plan on ordering a pizza so that’ll be nice( expensive but nice). It’s nice to take a break from cooking.

Yesterday my son took the day off from work and we went over to Folsom to the outlet stores. Well, it was just the Levi store. I only wear Levi’s and wanted a new high rise pair. I was actually trying to get the original 501s but I would have needed to get a men’s size in order to fit and the clerk said probably they wouldn’t fit right so I got a different pair that still had buttons in the front. We’ll see how I like them. I do have trouble finding jeans that fit right and that’s how I ended up with Levis. I did order a pair of Old Navy jeans that were on sale but I’m not sure I’ll keep them after they get here( next week).

I started reading ‘ Still Life’ and couldn’t get into it. I guess some people really love it but I didn’t like the narrative, plus it was written in a weird way. Oh well, I have a bunch of books on hold at the library but nothing has come in yet.

Imbolc

Posted in budgeting, budgets, California, cancer, Gratitude, home stuff, husband, Uncategorized by


Imbolc or Imbolg, also called Saint Brigid’s Day, is a Gaelic traditional festival. It marks the beginning of spring, and for Christians it is the feast day of Saint Brigid, Ireland’s patroness saint. It is held on 1 February, which is about halfway between the winter solstice and the spring equinox. Historically, its traditions were widely observed throughout Ireland, Scotland and the Isle of Man… Wikipedia

· Imbolc is a pagan holiday celebrated from February 1 through sundown February 2. Based on a Celtic tradition, Imbolc was meant to mark the halfway point between the winter solstice.

February 2nd is cross-quarter. I always feel the earth slightly shifting. Perhaps it’s the sap starting to run in the trees or possibly the sun’s angle. Right now we’re getting light still in the afternoon at 5:45pm and walking in the morning, predawn is 6am. I love when this change happens.

I had a good Dr. appt. Nothing new to report. My increase of 3 points is still very low and he actually had gone back and looked at when my numbers started doubling. So at one point, it went from 90 to 180. So that’s what I won’t let happen again and he’s well aware of that. Still, he’s the medical oncologist and knows what he’s doing. But it was a good drive into Sacramento with not tons of traffic just the normal.

I had thought of going down to the pool this morning but will wait till tomorrow. Driving out 2 days in a row is a lot for me. So Friday will be my swim day. I’ll probably go to the gym on Sunday then.

The pantry challenge is winding down as I am running out of ideas. I will check the freezer this morning and see what I can cobble together. I still have plenty of shell stable meals so I may do a couple of them. I know I have some salad stuff to use up today.

Thankful Thursday:

That I have an oncologist who knows me and is attentive.

That it’s sunny out even though it’s cold.

My husband who does SO MUCH around here and is always willing to stop at the store or drop things off for me( returns).

That I feel good overall and love swimming and going to the gym and that I CAN do it.

That we get SS and that almost covers all our bills including still having a mortgage:( . Then I’m thankful our kids pay ‘rent’ and that covers the rest , food, misc, etc.

I’m so thankful they both have excellent jobs and love them. We never got the job thing right( not for lack of trying) but first, in the mid 70’s there were NO jobs that we could get( plus affirmative action knocked Barclay out of the job pools with the US Forest Service. and always we resorted to some kind of self employment. He did Shiatsu massage for years and I did the whole ‘spiritual’ healing/counseling mumbo jumbo. Later we opened the metaphysical bookstore in Old Town Auburn but that was in the late 80s.

Lastly, I’m thankful Barclay is healthy again!!

Frugal Friday

Posted in budgeting, budgets, California, cooking, Myeloma, Pantry, Uncategorized by

It’s almost the end of January and the pantry challenge is going great. I will continue into February. I’ve come in @ $400 in groceries for the month. For the four of us, that’s really good. The pantry and the freezer are decreasing so that’s a good thing. I still have quite a bit to use up.

Last night I made Sole Milanese.(Ina Garten recipe) I made way too much but that’s what was in the freezer bag. Note to self: (portion out the fish better). Tonight is usually pizza night but no one feels like that so I think I’ll just do a simple pasta dish. Here’s the pizza from last week. I’m looking forward to using the Ooni outside when the weather changes.

I have February’s budget done and in place. I plan on looking at starting taxes this next week. It should be quite simple. I think we have all the things I need. We did get a 1099 for the California relief something. I guess that was a taxable amount. Not sure why they’d give you a refund and then expect it to be taxed. Oh well, who knows how anything in the government works.

We had our Date Thursday yesterday at Chipolte. It was ok. It seemed like an awful lot of people getting take out. I guess we don’t go out to eat very often so it’s always a surprise the amount of people doing it. But I am trying to get us to do one thing a week like this.

This was a sunset but my phone didn’t really capture the colors well. It was orangey and pink. this is looking west out our bedroom window.

Well, that’s it for today.

Wednesday’s musings

Posted in Blood test, budgeting, budgets, California, cancer, home stuff, Myeloma, swimming by

Well, a disappointment with my labs. Kappa went up to 30.7 mg/L so a 3-point jump. And the ratio went up to 1.96mg/L from 1.76 so also a jump. I’m disappointed but such as it is.

The pool was busy but I did get a lane right away. It’s sort of hit-and-miss most mornings. But it’s still worth the effort. I went to the gym yesterday, which was pretty empty although I saw some new faces. Probably new years resolutions kicking in.

Today I’ve been playing around with a spreadsheet I downloaded for the budget. It’s taken me 6 different tries but I think I have it down and I like it as long as it works the way it’s supposed to. I bought it off Etsy on the recommendation of Minimom on Youtube. I do most of my budgeting in a notebook but I wanted to add something new.

After the pool, I went over to Winco for a few groceries. Honestly, you cannot beat the price of things there. It’s a bit of a learning curve because of the layout but I know it well now so I can just go to the areas of food I need. Their bulk area is amazing. Lots of bins of snacks, spices, grains, everything you could want bulk, even honey.

Today I need to vacuum and dust and then fall into a heap depressed about my light chains. It’ll take me a day to regroup.

Simple Sunday

Posted in Blood test, budgets, California, cooking, Flylady, home stuff, minimalism, Pantry, prepper pantry, simple foods, social security, Uncategorized, Walking by

A sunny Sunday but cold again. Still at 32 degrees and frosty on our walk this morning. The park was all frosty but it was a nice walk. It seems Great White Duck is now missing so we’re assuming it got taken by a predator. She/he has been around for maybe 4-5 years so that’s sad.

I worked on the bedroom zone and I plan on shampooing the carpet this week. I probably will also add in the LR zone too as there’s not a lot to do in that either. I do need to dust everything though.

I popped into the Auburn gym and felt the same about it as last week. The assisted weights are old and really dated compared to Roseville. The treadmills are also ‘dated’ to some degree. I was the only one using wipes on the equipment and it seemed most of the people there were ignoring wiping anything. I saw one old guy sneezing and snotting into his tissue and then go use a machine. Ewwww:(

Tomorrow I have my labs and then I might go down to the Roseville gym. I’m not committing yet because I may want to just come straight home and do some house tidying. The thing about being more minimal is it takes way less time to clean, tidy, or organize with a decluttered house. Still, things need to get done. Yesterday I washed the sunroom windows and washed the barkcloth cover I use on the couch out there. So everything in that room is done.

I also think having routines and daily to-do lists helps keep things organized. I almost always have my menu in place for dinner and I always keep my kitchen counters clear. If I had more storage space I definitely would keep my Kitchen Aid in a cabinet. Also, I think when our small microwave gives up the ghost I won’t replace it. I also keep the tea kettle on the counter. I really can’t change that as we use it a bazillion times a day.

The pantry challenge is going well and we are definitely using up things. This week I have some Dover sole to use up and from the big freezer, I’m planning on using the last ground turkey to make chili. I’m slowly bringing in all the pantry things from the prepper pantry and putting them in rotation. I’m pretty sure I won’t do a huge prepper pantry again. But I do want to keep doing pressure canned shelf stable foods. I don’t think I’ll do tons but I do enjoy the process and it is very convenient. So far the big winners are the BBQ sauce, enchilada sauce, chicken pot pie filling, and vegetable soup.

The pantry challenge also helped with my budget and I’m coming in way under what I planned. Our next month’s budget starts next week with our SS checks and then I’ll do a final tally. Let’s hope this debt ceiling shit doesn’t affect SS as that is all we’ve got!