Frugal Friday

Posted in books, budgeting, budgets, California, camping, cash envelopes, husband, travel by Chris N

Yesterday, I went to the gym and the library for my holds. I wanted to get that chair Pilates Yoga book again and start a small routine. I’ll probably end up buying the book, but for now I can use the library’s. I wanted to get an IN and Out burger but it was too early so I came home and had homemade sourdough bread with left over chicken.

I also checked DVDs in the Friends of the Library area and found 2 Blu-rays to replace the regular DVDs, so that was a win at $6.00.

I used up the rest of the Costco chicken. I made 4 Souper Cubes of stuffing and chicken, and put some gravy on top. They’re in the freezer, and later today I’ll pop them out and put them in Ziploc bags. So that’s 4 future meals for us.

I returned the sweat pants to Costco and then went in and spent $180, but $45 of that was our favorite wine, Kendall-Jackson Reserve. And I got the Kombucha for my daughter, so the food was probably closer to $125. Oh, and I had picked up the rotisserie chicken.

Today, I need to go get cat food in Auburn, so I’m not sure if I’ll go down to Roseville or not. If I don’t go, that saves gas for next week. I don’t need any groceries( I think). I should probably check the salad stuff. The Chef Preserve is working well for veggies, as long as I remember to use them. 🙂 Refrigerator blindness is real!

I’m starting taxes and still need one bank thing. Our taxes are pretty straightforward, and I always use TurboTax. When I started it a bit ago, I had to figure out how to change it so I would be the primary taxpayer, as Barclay had always been before. Fortunately, TurboTax told me exactly how to change it, so that’s all set. I just need the final numbers from the bank and SS. I hope by next week I can wrap it up.

The VW insurance came in, and I need to pay my daughter for that. The VW is in her name, so she pays it, and then I reimburse her. I had a cash envelope for it, but never put $ in it as I had too many other bills to take care of. I guess if we keep it for another year, it’s worth it for now. I only drive the VW to Auburn for errands, so technically I could get rid of it. But as long as it’s working, I think we’ll keep it, but I need to get that envelope going for next year.

I was reading another blog I like, ( My Tireless Retirement), and she was talking about buying a van to go camping in. One that the seats go flat, that she could put a mattress in there and sleep in it. I got to thinking that maybe we could do that. Get like a Honda Odyssey. Our Santa Fe is getting up there in miles, so that could be something to think about. Gee, I loved our Dodge Caravan. It was the best thing we did back then, along with our tent trailer. We took the kids out camping all the time. And we traveled in the Caravan to Canada and lots of places. It was a game-changer, not to mention ferrying homeschooled kids everywhere.

So maybe I should go look at one to see if that would work for me. It’s not like I’m looking to travel the country; I just want to do some of the things Barclay and I did together. So back to the drawing board. 🙂

4Dec2025

Thankful Thursday

Posted in budgets, California, cash envelopes, Gratitude by Chris N

I’m thankful that what I had wasn’t a cold since I felt a lot better yesterday and today. I think it’s sinus because I still feel a bit of a sinus headache. Yesterday I only took an allergy pill no cold medicene so fingers crossed that’s all it is.

I am thankful I got a beautiful early walk, and I was the only one there. I saw the full moon briefly, but it was already on its way down.

I’m thankful all the bills are accounted for, although, again, there’s not much wiggle room. As long as things are accounted for, I’m ok. I’m still working on paying off the one cc that I had to put some of the big bills on, but I’m getting there. I do hate having a balance, but since I don’t have any backup, that’s what I need to do. I do hope next year I can swing doing cash envelopes for most stuff. I did have the property tax paid from an envelope, and most of the house insurance. So next year, that’s a real priority.

I’m thankful for a warm house. Our wood stove does a nice job, along with some space heaters. We don’t have central heating, so that’s what needs to happen. My daughter bought an oil space heater that looks like a radiator, and we’re experimenting with how well a job it does.

I’m thankful my car is still going great despite it being a 2014. I do hope I can keep it going for a while longer, since I’m not too sure how I’d buy a new( to me) car.

Well, that’s all from mi casa. What things are you grateful for? I’m always interested in peeking into other people’s lives.

16Nov2025

Simple Sunday

Posted in books, budgets, cash envelopes, home stuff, reading, Walking by Chris N

We’re back in the rain again. All.Day. Oh well, I won’t walk but may still go to the gym. Since that’s only in Auburn, I don’t mind. (Auburn is about 7 miles, just for reference.)

Friday, we went and picked up the VW. He fixed the brake light and the low beam headlights that had been out for like forever. sigh… $300 out the window. I pulled cash from my envelopes to pay. So now I need to go back and refill them when I can.

I plan on washing the couch covers today. This Ikea couch has held up so well, but now it is starting to show wear. I am hoping to buy a new couch sometime after the first of the year. It’ll be Ikea. The one I have picked out is grey and mid-century looking. I’ve loved my white couch, which was the Ektorp. But they don’t make that one anymore, but replaced it with another that looks similar.

I will also put together a meal plan and see how the week shapes up. I have some library holds, so I know I’ll go to Mahany and do the gym and library. I’ll see when I want to go to the pool. I may switch it up this week and go on Tuesday.

I have my Diestel turkey breast being delivered this week. I have some other things like green beans, cranberry sauce, and stuffing already. I’ll make the nut loaf and freeze it this week, too. I’ll probably buy the Costco pumpkin pie and freeze it till Thanksgiving. We’re not big dessert eaters at all, so I don’t worry about having 3 different pies. As I’ve said, this year I want to keep things like they were when B was here and not change the routine. Next year, who knows? My daughter and I talked about going to the coast for Thanksgiving, but not this year. I guess I want the continuity.

I’ve been reading Shogun again. Such a great story. I’m looking for a copy at the thrift store, but no luck so far. The new reprint was released this year, so I borrowed it from the library. Funny, how much back in the 70s this book influenced me. I suppose it is the traditions and simplicity that spoke to me.

7Nov2025

Friday things

Posted in budgeting, budgets, California, cancer, cash envelopes, frugalism, Multiple myeloma by Chris N

Yesterday was quite busy. I decided since my Velcade was rescheduled for 10am, I would go down to the gym first and then the library to pick up my hold. (Shogun) Then I went back to Winco for salad stuff, wine, oat milk, and yogurt. I spent about $60 and then got $40 cash to put into some cash envelopes.

Infusion was very busy, and I guess that’s why they needed me to come later. All 5 chairs were full, and some of these chemos are ALL day, and mine is only 20-30 minutes. They are always so nice, and oncology nurses are truly special people with the knowledge and skills they possess.

Finally, I stopped at Taco Tree for some tacos for myself and my daughter. She was almost out the door for work, but it all ended up ok. I took my Dex around noon, so hopefully I would get some sleep. Ha, no luck, I woke up at 2 am, and that was the end of sleeping. But I’m home today, so I can just chill.

I’m halfway through the budget month, and things are ok. There’s not a lot left over, but at least I’m not waiting for SNAP to come through. What a horrible thing these Republicans are doing to the people of this country who need it the most. Shameful. Even more shameful, throwing a Great Gatsby party at the gold mansion. Rump has probably NEVER read The Great Gatsby. Shameful, while millions of people are going without food or close to it. And then more shamefully, blaming Democrats for it because of the shutdown. Democrats are trying to save the ACA before rates skyrocket next year. Who cares about ordinary people? Certainly not rump.

24Oct2025

Friday Things

Posted in budgets, California, cash envelopes, cooking, frugalism, Political things, swimming by Chris N

It’s been a good week overall. I got a swim in and a trip to the Maheny gym and library. So a good workout week for plus I walked 3 days. Today I’m not going to the pool, but I might go tomorrow. I am trying to balance going down to Roseville with gas costs.

I went to both Winco and Trader Joe’s this week. Between the two, I spent $133 on food. I should be ok for a while, except for maybe some salad stuff. Last night I made some fajitas with a piece of beef from the freezer and lots of red and orange peppers. I wrapped them in a WW tortilla. There was plenty left over for my daughter when she got home from her job.

I’ve been watching Shogun at night. The original with Richard Chamberlin. It’s funny how much it brought back why I loved so much about Japanese culture. Of course, back then it was also brutal, but the mind only goes to the good things like shoji screens and the whole minimalist feel. I went on line to buy the books and wow, I’m not spending $100 for the 2 volume set. I hope it’ll show up at the thrift store. My son frequents them enough I asked him to look out for it. He’s the one that found the Shogun blue ray set at the thrift store so that was quite a find. it must have been an amzing production with costumes and sets.

This morning, I need to go pay for our PO Box. Wow, has that gone up. I’m paying $192 for a year. That seems outrageous. I had some of it in my cash envelope, but not all of it. I need to bulk up my cash envelopes because it helps me keep ahead of bills coming up. Since I don’t have much extra these days, I’m not able to put as much away. I think Christmas will be quite minimal partly because I don’t have any extra money to buy things. That’s ok really. Both kids are adults who get what they want anyway. What I’ll aim for is some cash to each or a gift card.

This is the Chinese Pistachio tree I bought to use as a memorial planting for Barclay. There was one person who sent me a $ contribution for Barclay, I used his $ for this. I think I will buy a second one, and I’ll pay for that.

I might go into town for a few things, but I’ll wait and see how the morning shapes up. I want to mop the floors and tidy up a few areas of the house. If ,after that ,I still want to go, I can.

Next week, my AA house insurance gets put on the cc with autopay. I’ll just have to keep paying that down over the next couple of months. (sigh)

We’re due for some rain this weekend and cooler temperatures. Then next week we’re back in the 70s.

I, like so many people, am just mortified by the destruction of the East Wing of the White House. It’s such a power play by rump. There are no words to describe it except evil. He will be seen in history as THE WORST PRESIDENT ever.

28Sep2025

Simple Sunday

Posted in budgeting, budgets, California, cash envelopes, Uncategorized, Walking by Chris N

Well, as expected, yesterday was a wash. I woke feeling terrible, so I just stayed in bed. I finally got up and started feeling better by the afternoon, and even sat outside a while. This morning I feel fine, so it wasn’t too long. My daughter, though, had a histamine reaction, so she’s had to take it easy all week.

I’m still getting up around 5:30 -5:45am, depending on whether I plan on walking, which I am today. I’m not pushing going out in the dark to walk, as I think that ship has sailed. As much as it was one of my favorite things to see the stars, I think it’s smarter for me to hold off. So that means today I’ll go out and walk around at 6:30. I’m still bringinga flashlight for the first round.

We are in for rain this week, so I need to be sure everything is done. The wood needs to be covered, and the wood stove needs to be ready. Tahoe is already quite chilly, as would be expected. It still would be beautiful, though. I’m still looking at a hotel for one night for my daughter and me to go up in October.

I’ve done October’s budget and made the first payment on Allstate. My son is going to donate his Subaru (which is parked in my yard). When that’s done, I’ll take that off the insurance, and that will help a lot. He’s using the truck and making the payment, so I’m ok with that for now. He still needs to figure out the car he wants.

Anyway, the budget looks ok. Not a lot of wriggle room, but ok. I haven’t done too much with cash envelopes since B died, but I do have some still. Mostly, I want the big annual bills covered, so I’ll keep adding to those. Smaller ones, like Target or household, I’ll just let go or add that to a general spending. I do keep cash for groceries unless it’s Costco because I can use the card and get the rewards back.

Here are my two LVs I use for cash envelopes. I also have a monogram MM that B bought me for my birthday a few years ago.

An open Louis Vuitton agenda in Epi black leather, displaying its interior with rings and card slots.

I have 2 preloved LV agendas in the Epi black. One I got off of the Facebook group, and the other from eBay. One is the PM size and the other is the MM size. Of course, I love LV with classic things. Most of their fancy stuff is way beyond my reality. But I use these daily and enjoy them.

Finally, a week where I think I can get to a regular schedule. I hope.

I need to do some meal planning for the week. I have some more soup in the freezer, so I’ll pull one of them out, and I have some tofu to use. My son is coming over on Tuesday, and I plan on ordering a pizza for us to share. He’s going to do at least one dump run. Hopefully, he can get it done before it starts raining. I also want to close up the trailer and have them put a tarp over the top.

12Sep2025

Friday Things

Posted in Blood test, budgeting, budgets, California, cash envelopes, home stuff, travel, velcade by Chris N

I’m not sure if there’s much to share frugally. It was a crazy week with appointments, which I do dislike immensely. But today is my home day on Dex, so I should be able to get some stuff done and chill. All I have next week are my labs and a fun lunch date with my son, which is his belated birthday present.

After my Velcade shot, I stopped at Noah’s and got the dozen bags and one free one. I also got a free coffee. Most of the bagels I froze for later mornings, but kept some out for today and tomorrow.

I listed the Triumph, but no inquiries. I’ll lower the price next week and see if that prompts anyone. I’m sure motorcycles are a bit of a luxury right now, so who knows if it might sell. If not, it’ll just stay where it is.

This morning I sorted all our important papers into folders, so that’s one job ticked off. A while back, I bought a fire-safe file box, and that was for these files. I also finally made the appointment to go to the bank with my daughter to add her to the account. Slowly, a few more things are getting done.

I decided to not book a hotel for Tahoe on my birthday and B’s. I just don’t want the added expense right now, so I do plan on a day trip, which is totally doable, and B and I did that often. So I’ll see who wants to come, either S or Z. They have work, so I may just drive alone. We’ll see how it turns out. I also finally came to the realization, I don’t have to do anything right now so that eased my self pressure.

I dropped off all the thrift store stuff at both thrift stores. I also got my LLS paper from the bank and $ for the firewood. Firewood is quite expensive. If you go pick it up yourself, it’s less, but I can’t do that, so $$ it is. But one cord should see us through he winter with what I have already.

Other than that, not much.

23May2025

Frugal Friday

Posted in budgeting, budgets, California, cash envelopes, frugalism by Chris N

My June budget starts next week. I have everything in except our AAA membership that isn’t on autopay. I think I’ll do that Monday or Tuesday and put it on autopay for next year. It makes things much easier for me.

Our PGE bill went down to the lowest it will be at $163. That’s with no coolers, no heaters, just the dryer some of the time. We line dry what we can this time of year, but still need to fluff in the dryer. We’re on the balanced payment plan, so we pay the average for the year, which is @ $300 a month. Quite high for such a small house.

Regular groceries came in at under $600, so I’m pleased with that. This time, I went back through receipts and took off long-term pantry items, and it made a difference in how the grocery bill looked. For example, the organic ground beef is almost $20, but that will last over 5 months, as we don’t use that much. Same with toothpaste, which is a 5-pack, so 5 months probably. Anyway, I was pleased.

We did pick up the VW. My daughter put a big chunk on her CC, and I paid $600 cash that I had in my cash envelope, for auto maintenance. After that, I splurged on a Quick Quake car wash for her. She looks very shiny now. It drove well. The owner of the auto place said there was some belt squeaking, but he couldn’t quite figure out where, so he said if it got worse, to bring it back in. I certainly hope it’s not another thing at this point.

After my Velcade shot, I went down to the gym since I was already in Roseville. I had planned to go into WinCo again, since I need Ball jar lids, but decided it could wait. So it ended up as a no-spend day. We ended up with 16 no-spend days. So all in all, I’m pleased.

4Apr2025

Frugal Friday

Posted in budgeting, budgets, California, cash envelopes by Chris N

I got gas at Costco, so that’s always a savings. I think it went up slightly to 4.59. My total was just under $50.

I drove to Sacramento in my daughter’s Honda because as I was getting on the freeway, the Santa Fe started to make some sort of noise. I pulled off at the next exit which is still close to home, and tried to figure out what it was. I couldn’t make it out, so I dashed home and switched cars because I did not want to get stuck in Sacramento in a broken-down car. We’ve actually never had one problem with the Santa Fe, so I’m not sure what this is. B took it out after I left and said he didn’t hear anything. Later, he went to Auburn and again said he hadn’t heard anything. Still, it makes me VERY nervous thinking about driving in traffic to get to Palo Alto in 10 days. I doubt it was a one off so I’m not sure what we’ll do. B has that CT this morning in Rocklin, so we will take the Santa Fe. I may go with him in case we break down. of course, that is a PITA waiting for tow trucks, but I guess we’ll see how it goes.

I went to Trader Joe’s after swimming the other day, spent $96. Some of that was the $3.50 TJ’s wine. So, food ended up costing $80. Oh, wait bought 2 candles too, so that was another $8. So food would have ended up about $72.

Our dryer decided to die, so B had to order a part. That was $ 80-something. Fortunately, the weather will be nice enough to dry on the outside line.

I deposited the cash envelopes for Rubi’s DMV and our Recology bill. That will come out later this month.

28Feb2025

Frugal Friday

Posted in bread, California, cash envelopes, cooking, frugalism, Uncategorized by Chris N

Groceries at Costco were $200. I bought a few things on sale like the breaded Talipa which is a great easy dinner option. Mostly things like milk, and eggs ( no shortage at Costco). I bought the organic 2 dozen pkt for $8.69. I also bought French roast coffee, seaweed snacks my daughter likes, Triscuits, nuts, cheese, asparagus, and a few items I wanted to try. One is a garlic spread( Toom)that’s supposed to be very good.

With that and my TJ’s trip, I’m already at $400 so I’ll need to be careful for the next couple of weeks.

Next week I have a dental cleaning so that’s out of pocket. But I am going to sign up for their dental plan which is $400. That covers 2 cleanings and other stuff so it seems like a good deal.

Today is the national No Spend Day. I hope it has an impact, especially on Amazon, Walmart, etc. During the pandemic, I liked Walmart’s pickup service and used it a lot. But since then I haven’t even been back.

I got gas at Costco so that’s always a savings.

I bought a Christmas gift for my son. An Easton Press copy of ‘A Connecticut Yankee in King Arthurs’s Court. ” That was Ebay and was $28.00. I haven’t started my Christmas envelope yet, but I’ll write this down. This year is going to be even more minimal as nobody really wants anything. So I’ll do a few gifts each like the Easton Press and East Fork Pottery.

This is the Lemon Meyer rosemary Sourdough. Wow was that good.