Frugal Friday

There have been some frugal things this week so here goes:

* We just returned home from picking up a trailer load of free oak. Beautiful wood that a friend offered. It won’t really be ready to burn right away but it’s lovely wood. There’s a lot more to get but we will need to see if my son can help as a lot of it is on a downhill slope which is too slippery for me.

*We had leftovers for all our lunches this week including today which is the left over chicken and wild rice soup.

*Since we have so many eggs I made egg salad for lunches too.

*I picked up a free pizza and salad for dinner tonight with the coupons from the Holiday market. Each month they have a coupon you can use. It’s a handy thing to have .

*We didn’t really go anywhere this week or do any big shopping just picking up a few fillers. Next week I plan to hit Costco to get a few things. We don’t need a huge amount but some things like cottage cheese and cream cheese are just too expensive at the store.

Overall, it’s been a nice week. I’m slowly getting a few Christmas items together plus asking what people want or could use. My son wants the Witcher books that the TV series is based on. I’m looking at some gardening stuff for my daughter.

I’m halfway thru my fall re-reading of the LOTR trilogy. I’m in the Two Towers. Everytime I read it I love it more and more.

We’re still walking early like 5:10 but I think we may start to go a little later starting next week. Mostly, I’m avoiding the jerk dog walker but he shows up anyway sometimes early too. So maybe there’s no getting around it and we just have to avoid him and when we do it doesn’t bother me. Mostly, I get irritated because he’s not using a flashlight and comes up behind us it is startling. Go figure.

Budget Friday

I’m trying to come up with a good blog title for Fridays. I’m not sure Frugal Friday quite fits.

Overall, we are frugal because we have no income per se except SS. So maybe just Budget Friday would work. I’ll see. But budget-wise, all Octobers bills are in. We do have the 2 annual bills of house insurance and Allstate which is twice a year. With ALL the insurance companies getting out of insuring California property, for the most part, we are now having to do the California Fair Plan which is added to the AAA insurance. We went from our annual bill being slightly over $1,000 to now we are slightly over $2,000. Quite a jump.

Costco was just at $450, so that will go on October’s food budget. About $70 was wine and beer. I did buy a bottle of nice champagne for celebrating birthdays. Actually, it wasn’t expensive at $15.00. Plus there were a few prepper items and 2 bags of Starbucks coffee that was on sale. With all 4 of us drinking coffee we go thru quite a bit. But I don’t see us going back to Costco till the very end of October or even the first week of November which could then include any Christmas food or items. Prepper stuff included tuna, Cholula sauce, TP, another case of water, extra butter, and extra cheese. The only thing I didn’t get and I need is some tamari sauce. I’ll probably just go down here to the store and pay their price. The best place to get low sodium tamari is Trader Joe’s but I don’t think I’ll be getting there any time soon.

So far this morning I have made pizza dough, washed living room windows, cleaned the ceiling fan, and am just about ready to clean the rest of the sunroom.

Our lovely fall weather continues with absolutely beautiful days with temperatures in the mid to high 80’s. Next week does have a few 93degree days but this time of year that doesn’t seem so bad.

Budget-wise, I did my LLS for the UHC premium and my medicare which they cover for 2 months so that will be here in a week or so. I am very grateful to LLS for my grant (myeloma) as it does cover health insurance. If we had to pay OP for us both it’s almost $700 so I’m not sure how the budget would do. Probably we would be in the red. But there are gifts sometimes even with having cancer.

B did order the boards for the house ( 5 of them) so that was $120 about. But the siding needs to be fixed. Other stuff, even the fencing by the barn is optional and can be put off if we don’t have extra money.

If you’re looking for a new TV series, The Boys, is quite good. It’s super heroes that are darker more evil and is well done. We just started Season 2 on Netflix.

Well, that’s a wrap for now.

Frugal Friday

I’m not too sure anything these days is all that frugal. We still have medical bills coming in that the Cobra insurance(UHC) says we owe due to the fact B was medicare ELIGIBLE but was in fact not on Medicare. WTF! At least it was for only the one month as far as I can determine. But we could appeal but I doubt that we would win it. So payments on that for a while.  So NOT frugal. Or maybe it will keep us more frugal as that money cant be spent elsewhere.  No, I think it would go straight to savings.

I’ve got most everything for Thanksgiving but realized I still need the nut loaf ingredients. I have the brown rice but the binder is cottage cheese and I need mushrooms too. But I can get those next week at our local Holiday Market.

The dental surgery co-pay was $196 so that was worth having the Cobra for as it would have been @ $1500 so that’s good. I seemed to have a reaction thought to something as I started sneezing and my sinuses went berserk. But the oral surgeon seemed to think it was a cold even though I told him I had no cold. Anyway, it’s better today.

Still, no tree guys so that money is ‘hanging’ out in our checking so that’s a savings ( sorta).

I’m not going to the gym as I’m going to Walmart for a pickup and then to the bank to get a notarization. B sold his motorcycle to someone in Nevada and it was signed wrong so I need to sign a paper that says I signed it wrong .P.I.T.A.  Plus I’m still not feeling 100%. He did lose quite a bit by selling the Honda as he bought it new. But that’s the way it goes.

Dinner is pizza and I’m going to try Whole Foods refrigerator dough to compare to T.J’s. I’ll report back.

 

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Midweek things

Yesterday we went to clinic and everything looks good for Barclay. Nothing new or unusual.  One of his anti-rejection drugs has been hard to regulate and its number was up again, but the doctor said to keep on the same dose. Actually, his energy level is noticeably increased and his overall demeanor is more present!!! He is now at almost day 80post transplant.

From there we went to Corti Bros. and I got some French prosciutto and some steak that ‘Mike’ the butcher recommended for kabobs. So that was really fun.

Then we hit up Trader Joes for some more groceries. This is the TJ’s near UCD med center in the beautiful Tahoe Park area. It’s a really nice store. So taking away the 2 bottles of French wine I bought I came in at $90. So my grocery budget of $125 for the week is about $20 over. Not too bad.

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Here’s the birthday boy!!! He didn’t get his height from his father that’s for sure!!!

Unfortunately, we walked out of clinic and totally forgot to get the prescriptions. So, my daughter or I will need to drive down since he doesn’t have enough to get to next Tuesday.  Bummer, but I do need toilet paper at Costco so I/she can do that too.

Today is my sweet boys birthday. 25 years ago he came into this world. What an absolute joy he was.!!! He’s a fine young man. Very talented and handsome too!!!  So I’m doing BBQ chicken and those steak kabobs. For the veggie, I’ll make tofu kabobs with veggies.

 

I’m planning on going to the gym this morning and then the bank.

Five on Friday

I didn’t do Frugal Friday since overall this week hasn’t been too frugal. As far as groceries go I was frugal and didn’t spend much. I think I bought a few things at our Holiday market and that’s it. I went to Walmart yesterday( I go maybe twice a year) to buy some type of PJ for B to wear in the hospital. When he gets his Hickman catheter which has three things hanging to get and receive stuff, you really can’t wear a shirt that goes over your head. It needs to be a button up. So I found 2 nice sets for him to wear. Pretty much you’re in sweats or jammies the whole time. Plus you really have no energy to really even get dressed.  I remember, for me, a shower would completely wipe me out.  So back to Walmart. As I said I rarely ever shop there but I do like their Danskin line and I pretty much live in those. So I was really annoyed they have stopped carrying them.  I am going to check online because I thought I saw them there.

So that shop turned out not frugal because I had a big list including propane bottles, some food items, etc.  But I was pleased with what I did get.

Today is day 2 of B’s chemo and I’m going to drop him off and then go to Safeway for a few things like veggies, chicken, and olives.  They have an olive bar like whole foods does. Not as many choices but still nice.

Then I’m coming home to finish some laundry and vacuum.  I have a good book I’m reading so that’s on my list.

A friend is bringing B home so I don’t have to go back out. Nice!!

Sunday my daughter and I are going to trek down to IKEA for a cabinet for the bathroom I’ve wanted. It’s tall and narrow and since our bathroom is so small my choices are limited. Then we can have fun looking around. But trips to Ikea are rarely frugal. I only go there twice a year also so I kinda keep a list going. They have great kitchen towels for under a dollar.  Plus storage boxes are very inexpensive and I could use a few more for pictures.

It’s still rainy and cold now but next week looks like more normal temperatures. Mid fifties and then sixties.

Dinner is a pizza I have a coupon for and my son will pick up after work.

 

some added photos

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Almost done!

 

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A view from the sink!!

I think for now it’s done in the kitchen. I thought about some kinda of temporary back splash. I may go into HOme Depot and see what they have. I’ve seen on Pinterest some tile that is peel and go. Not sure if Home Depot has that but I might check.

Today is Friday.

Frugal Friday or this week? Yes and no. I haven’t bought too many groceries, just milk and cream. I did spend $100 at Target but that included cat food at $15 and some frozen Amy’s enchiladas on sale.  Most of it was the bins.

I need to get gas in the VW and I’m going to go to the local bakery and get day old bagels if they have any. They’re organic and go quick. So we’ll see. Plus I need to get some multi vitamins at Grocery Outlet.

Other than that I have a load of laundry to do and just tidying up the house.

I’m working on the budget for November and it’s in good shape. I’m paying extra on our second and I’m going to make an extra car payment if I can pull it off.

Frugal Friday

It has been a mixed bag this week of frugal things.  I’m not spending any money except a few dollars here and there on groceries. I made myself a challenge to only spend $50.  I still have $30 left but I need some sliced cheese and something, can’t remember.

Yesterday at Tahoe was not frugal. The tickets for thunderbird lodge are expensive but it goes to the upkeep of this amazing place.

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Then the tour took much longer than I expected so we were late for our lunch at Gar Woods. We had a reservation for 1pm and got there at 1:47.  I had called to let them know but I don’t think it made any difference. The place was a madhouse of people. Plus there were no vegetarian options. I mean WTF, we’re not back in 1975. So B had a salad and I had a burger. Okay, nothing special. $60 later plus tip we left.

It was a lovely day though and Tahoe was picture perfect.

Also, with my daughter’s Honda, we put the bill on our credit card so that was pretty hefty.  She will pay us back as this was not a freebie.

Overall, not a frugal week but fun and necessary!!!

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A couple of fun frugal projects.

I am in love with the white milk glass. Don’t worry I won’t start hoarding, but they really blend in well and are easy on the eyes.

So I bought this one for $1.19 on sale at Goodwill.

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Then I planted some succulents( actually my daughter did) 🙂 but it was my idea. I think it looks great.

Then I can’t remember where I saw this project but it was to use a small crate as a filing cabinet. So I ordered the one suggested from Home Depot.

IMG_1276.jpg I think it’s 12.5 by 13.5 but it fits hanging files perfectly. I got a set of black for a more uniform look. So I like it a lot and it’s easy to get to the files I use the most. Home insurance, Allstate, LLS, Labs, SS etc.

The file cabinet was 15.99 and the files $10? so not bad as a way to corral everything neatly. Knowing where stuff is 95% of the battle of clutter. I do have another metal file cabinet which houses all our old tax forms, mortgage stuff and some other things that I don’t need o a monthly basis.

Unfortunately, today is our last day of sunshine till Sunday. I’m hoping the weather guys got it wrong and the rain will go away. But so far it doesn’t look like it.

I’m staying home today, but tomorrow I’m going to Costco with B. I’ll skip the gym. We need quite a bit of non-food items, so it’s always helpful to have B with me to do the lifting and sorting.  I’ve budgeted $200 for this trip.

Monday night is pasta night, so I’ll make something. Maybe pasta with a butter sauce. Always my comfort food. Growing up as poor as we did, my mother would make bowtie noodles with brown butter. I guess that’s why it’s comfort food. Of course, when she made liver and onions, I only gagged and tried not to throw up.  Good grief who eats liver and onions, it is so disgusting,. It’s a wonder I’m not a vegan.  Well, for the record I was a vegetarian upon leaving home at 18, and then for 22 more years.

 

 

 

Midweek

It’s Wednesday and B and my daughter are flying to Southern Ca for work(co-ops, and a library workshop). I’ll be taking care of the dogs and chickens and cats. It’s not so bad if I keep to a routine and schedule.

These dogs, rescued border collies, love routine so it makes it fairly easy. Breakfast 2 7:30 and the one dog gets an anti-seizure pill. Then they’re outside for a while. They come in till @ 11:30 am or so and then I feed them one cup of crunchies. After that, it’s either out if nice or they go in they’re crates. They are great dogs.  Then they do get a few evening walks.

The chickens are pretty easy. Just out for the day and then close them in, front and back around 5 pm since it’s getting darker later.  We’re also starting to get more eggs again, so that’s nice.

I’m reapplying to the Leukemia and Lymphoma co-pay assistance program as they shut it down in October due to lack of funds.  They really do great work and when they offer financial assistance for certain things it does help. Since I’m not in treatment right now, the only thing I can get assistance for my share of insurance costs. It’s not a lot but every little bit helps. So I was going to do it online but it’s actually not a very user-friendly website and I’ve been locked out a few times. So I’m just going to mail the forms in.

Then we had a check get lost in the mail somewhere, so I had to call the mortgage company and do an e-check. I had mailed the checked the beginning of the month and it still hadn’t cleared as of yesterday, which was really weird. Then I had to put a stop payment on the check so it didn’t go thru twice.  Anyway, a PITA>

The Frugalwoods frugal January is going sorta okay. We’re doing good on grocery shopping and I won’t probably shop till near the end of the month. We did need coffee and milk and avocados, so we got those.  There will be a few more things ,I’m sure , but for now, I’m holding off.

Dinner will be something easy, grilled tofu and mac and cheese and a salad.

Friday things

I went and helped set up books for the bake and book sale tomorrow.  Then I left to take my son to pick up his Subaru that had some sort of oil leak but it was covered by the warranty we got when we paid for the engine to be rebuilt.

Then I went to the store and picked up cream, cat food, wine and a few other essentials for the weekend.

Tomorrow I am going over to the book sale early to help out and then leaving around 10 or so since we’re driving up to Chico so B can pick up his motorcycle. It’ll be a long day but I’ll get thru it. He’s been set on a Triumph which is what he had in college. Then reconsidered and found a brand new Honda Rebel. It’s a smaller motorcycle and that may be a good thing.  It won’t hold resale the same as a Triumph, but that’s not why he’s buying it.  This money comes from the many bonuses he has had over the years that usually has gone to bills. So it’s his turn.

 

Speaking of budgets, things are okay. The bills are getting paid but we’re still not putting away money above and beyond the 401 k that is taken out automatically.  In the next 2 months we have property tax and house insurance so 2 really big annual bills. Sigh… I really hope we get a handle on this as retirement looms out there.  But I am optimistic we will have it sorted as we go into those years.  We have to get rid of the car payment and that will free up some money.  But he gets a reimbursement for the car so it’s a double edge sword.  Still, I hope by mid-year next year the Santa Fe is paid and then we can look at the last car loan for him in these last 3 years.

I am trying very hard to be as frugal as I can and only buying essentials.  Even so, things do come up.

Dinner is Friday night pizza.