Tag Archives: budget

Frugal Friday

Posted in budgeting, budgets, California, cancer, frugalism, Uncategorized by

I calculated our groceries, and according to the receipts I have, we came in at $550 for groceries. I think for the 3 of us that’s very good. I think eating from the freezer makes a difference. Of course, when that food is gone I’ll need to restock.

My new budget starts Monday, so I might need more groceries for Christmas then. I plan on making the Polish cookies and they do take a lot of eggs and heavy cream. I’ll either hit up Trader Joes or just go down here to the Holiday.

I know our PGE bill is going to be over $300 so that’s not frugal but we need to be warm when it’s 32 degrees outside:) Our water bill is way down since it’s winter but it never goes below $70 with all of the MV water fees.

My gas was around $150, probably because gas is at the lowest I’ve seen it at 3.89. I know B has to fill the truck next week which he only does once a month. I’ll fill the Santa Fe on Monday before I swim. The rest of the week will be home days so no driving for the most part.

Frugal Friday

Posted in California, cancer, cooking, frugalism, instant pot recipes, Myeloma by

Well, to continue the non- frugalness, our PGE bill estimate same in and it’s just under $400. OUCH!! The exact number isn’t there yet but I suspect at least $350. So with coolers running all day for the last 3 weeks, it’s understandable. Yesterday topped out at 109. So, still hot. And today, I believe is another scorcher and then temperatures start to drop. Next week the temperatures look to be in the 90’s and then an increase again next Saturday.

In frugalness though, I gassed up at Costco which is a significant savings. I only drove to the pool twice so that too saved money/gas.

I shopped at Costco and spent $125 or so but that included 2 bottles of wine. Nothing expensive, I like the Kirkland brand sauvignon and pinot grigio. The new Costco is so convenient and I was in and out in 20 minutes.

No other grocery shopping, if I recall. Today I need to pick up half and half and some corn tortillas and wine for the weekend.

As part of Amazon’s prePrime days, I bought an Instant Pot for 42% off. My instant pot died about 2 years ago and I’ve debated getting one but decided that if a deal came up, I’d get one. I think the end cost was $72. I plan on using it today as it’ll be hot and I can cook something without heating up the kitchen.

Yesterday, B had his ultrasound needle biopsy. We should get the official diagnosis next week, but certainly, cancer. The question is what treatment is there.? I’m not sure surgery is an option as there are multiple soft masses so chemo? radiation? I guess we’ll know soon enough. ( sad sigh)

Today, I’m meeting my library friends for coffee. One of them is the one whose husband died this past year of Myeloma. She’s done really well and has her two adult daughters as support. Being we’re meeting at the local cafe at 10, I won’t plan on the gym.

We had tacos and burritos from the Taco Tree after we came up from Sacramento so that was $22. But I didn’t need to cook dinner.

I got the notice that I need to renew my license and take the test etc. I’m not worried about that, just the eye exam as I don’t see much out of my right eye. I guess I’ll do my best and if necessary I’ll get my eye doctor to fill in the form that I can see 20-20 out of my left eye. Still being over 70 is challenging with these new things. But I guess, safety is key here.

I’m looking forward next week to being able to sit outside for dinner and afternoons. It feels like we’ve been stuck inside for weeks. Oh, we have:)

Simple Sunday

Posted in bread, budgeting, budgets, California, cash envelopes, Pantry, swimming, Walking by

Yesterday was just glorious. Our temperature almost reached 70. It was so nice to sit outside. Alas, we are now headed to some really cold weather. Oh well, soon enough.

I had a great swim on Friday but the pool was packed with the high school team so that wasn’t too great. But I had an end lane so I was fine. It is going to take a while to get back to what I was doing but so far the swimming hasn’t negatively impacted my knee. Next week with Dex/Velcade it will be hard to get a swim in.

After swimming I went over to Winco which is across the street and bought what I needed for the week. Also, we’re planning on Costco because last week I had to go buy coffee at Starbucks. So coffee will be the main reason to get to Costco. I think after that we will go down to the library and pick up my holds and drop off my books. Maybe we’ll go to Paris(Bakery) for a coffee and croissant.

Yesterday, I watered all the house plants and moved a few around. As the sun gets higher it comes in certain windows more and plants need to be moved from direct sun. I also washed a few more windows.

Today after we walk, I will get the sourdough boule in the oven. I made turkey chili yesterday so we’ll have that with some homemade bread and a salad. I have a can of vegetarian chili I can make for B. I want to use up all the stuff that was bought in the pandemic or after. For instance, yesterday I opened a bbq sauce that was best by last year. Normally that wouldn’t bother me, but the seal inside looked suspicious so I tossed it. That’s the kind of thing I want to toss or use.

Overall, I think February’s budget went well. The cash envelope system is working although there are some tweaks I need to make. I didn’t get enough cash for groceries so I used the debit card and need to adjust that amount in the budget. I think it works well if you’re putting accurate amounts in the envelopes. Amazon is tricky because that’s more of a virtual envelope and it goes on a cc. So I might start budgeting $100 a month and then move that to the CC. It’s tweaking these few things that will make it work. Plus, you have to be willing to work with cash and lots of people don’t want to. Also for annual bills, since we’re on a fixed income, there is only so much I can put in the envelopes and probably it won’t add up to the full amount. I’m hoping by fall, I will be able to get some of these fully funded. Another thing people do ( from Youtube) is when they start getting a lot of cash for some of these envelopes, they take the cash to the bank and put it in a high yield account. I think that’s something we need to do by fall as well. I might check with our Credit Union as I think I just saw on their website a high yield savings account. It’s amazing what some people have in cash envelopes but of course, they are usually 2 income people and getting regular paychecks from jobs.

Well, I need to get the bread in the oven before I go to the Auburn gym.

Frugal Friday

Posted in bread, budgeting, California, cooking, freezer cooking, simple foods, Uncategorized by

Except for regular bills, we didn’t spend much. We went to the co-op twice. One trip was @ $23 and the second $8.00, so not much. I didn’t go to Winco or Costco so that’s a win-win. I also didn’t get gas this week but will need it tomorrow or Monday.

All the big bills are already out of our checking. But there’s still water, PGE, and ATT. But those bills aren’t as big.

We also didn’t do a coffee lunch date so no money there spent. We are planning something right around my sister’s birthday to celebrate her life. Even though for most of our adult lives we weren’t that close, after my diagnosis in 2005 she was very supportive and visited annually. Then she got diagnosed with interstitial lung disease and then later lung cancer. So we want to go out and either do a wine tasting( she loved wine as much as I do!!!!). Or do lunch at a restaurant in Auburn that we went to usually when she came to visit.

I meal prepped 4 frozen lasagnas for those nights just don’t feel like cooking. I also canned 3 more quarts of tomato sauce. I also made 2 loaves of bread. One is a walnut cranberry and the other boule but with some rye flour added.

Last night’s quiche.

Oh, I did buy a sourdough bread book that was recommended by one of the UK bloggers I read. At first, I was going to return it as her original sourdough master recipe is not in it but in her last book, but then I looked at the recipes and decided there were enough interesting ones I’d keep the book. Oh, and my fabric showed up for the back of my Japanese indigo small quilt.

I went to the Roseville gym. It seemed busier than normal. Usually, there are only 1 or 2 people there but this morning it was busier.

Frugal Friday

Posted in budgeting, budgets, California, camping, frugalism, Uncategorized by

It’s been an ok week budget-wise. We did go back to Costco for the things that were still on sale and other staples. I think we’re set until May sometime.

We leave for Wrights Beach next week so I will stop at Winco for just a few things. I usually take a premade mac and cheese, salad paks, peanut butter, etc. There are no stores really once you hit Bodega Bay except little convenience stores and there is one market but very expensive. It’s really better to have meals planned out.

We’re there longer than I thought, for 5 nights. Then we stay in Napa for one night too. It does help with the drive home to stop halfway. Going over to the coast is about 4- 4 1/2 hours so it’s a bit of a drive. Plus Napa has the full hookups whereas Wrights has no hookups at all. Not even available water. You need to have your water in the tank before parking. We’ll manage but probably need to be conservative.

I have a bunch of books to bring and I may bring my knitting. Of course, there’s the beach to walk on too, and the cliff trail. All in all, it should be nice weather and hopefully a nice trip.

I’m working on May’s budget and need to factor in Rubi’s DMV and insurance. That’ll take all our misc money for the month. May is my daughter’s birthday too so I’ll need to budget a birthday dinner of her choice.

I dropped off another bag of books for the FOL. Most were cookbooks that I finally decided I never make anything from so why was I keeping them? Also my copy of the Tightwad Gazette, which is fun to read but it’s pretty dated information. Plus I was never into extreme frugality like she was. Someone will probably love finding it at the used book sale.

This week both of our cars got a rock thrown at the windshield and put a star crack in them. I’m not sure if we’re calling to try and get it fixed or just wait and see if they get worse. Both were on the same area of the freeway so I’m guessing the road is rough from winter storms. Oh well, it’s always something.

Snow…

Posted in budgeting, budgets, cooking, ikea, minimalism, seasonal things, simple foods, swimming, Uncategorized by

Whoo Whee…it is cold. We woke up to snow on Tuesday morning and it kept going off and on. We usually get a sprinkling of snow at our elevation a couple of times during winter. This was a big snowstorm for the Sierras and is much needed. Needless to say, I didn’t venture out to swim. I probably would have been fine on the freeway but with Caltrans discouraging any travel, I didn’t feel I needed to add to it.

It’s bright and clear this morning and 27degrees. So the trees in the park were very frosty.

I went into Winco after swimming yesterday for a few things. And next week I’ll hit Trader Joe’s for a few things including fondue, which is our traditional Christmas eve dinner. So far even with Costco, I’m under budget for food/alcohol( mostly wine). If my calculations are correct, a total of @ $550 is really quite good. So if I add the TJ’s trip at about $100 that brings me under budget. Of course, there will be the run to the market here for the odds and ends before the end of the year but usually, that’s not too much. Shopping at Winco and the new Trader Joe’s, and of course, Costco has definitely made a difference from shopping just Safeway.

Other than that there are no unusual budget expenses for the rest of the month. January is a NO SPend month so no projects or Home Depot trips. Anything that the house might need is excluded like vacuum filters or the filters for the air filter thing.

Today I’m planning on taking the couch covers and washing them. I do this around every 3 months. This Ikea couch has been absolutely fabulous and I love it. When it’s time for a new one I’ll definitely do Ikea but maybe a bit more of a midcentury look. I’ve been waiting for the two chairs forever( since the beginning of the pandemic). The Poang chairs still look good and quite comfortable.

My son is headed to Yosemite today and is going to be there a few days. It should be quite beautiful as it got a lot of snow.

I need to go make some pizza dough and I was going to make bagels but the Barley Malt I ordered from Amazon was lost in the mail so I need to find it in a store. I haven’t been too inspired with cooking lately but maybe over the Holidays or not???

My minimalist Christmas decor.

Five on Friday

Posted in budgeting, budgets, cancer, cooking, decluttering, home stuff, meal planning, minimalism, Myeloma by

Finally, it’s 2021. I’m not sure how great the year will be but I’m hopeful. I start Velcade mid month, as expected. I asked about getting my shots in Rocklin which is about 25 minutes away, and he said sure that would work. Mercy ( or Dignity Health),has a satellite facility there and it will make it easier. Unfortunately, I’ve fractured another rib so it’s smart that I’m starting now. Fractures, in case you don’t know about Myeloma, are one of the damaging aspects of this cancer. I’ve had multiple rib fractures, so I know what it feels like. Unfortunate, to have it happen right now and also quite painful. It limits how much stuff I can do around the house. With rib fractures there’s not much you can do. If it’s a vertebrate or another bone they can some intervention. Oh well, I’m just glad it’s not a vertebrate.

We had a fun New Years eve with sub sandwiches from our Holiday Market. We watched the newish Starsky and Hutch and it was fun. We didn’t crack the champagne but will today.

Budget wise, I came under $800 on groceries including holiday food and alcohol. This is the lowest I’ve had since the pandemic started and I was stockpiling every month. Into January I’ll try and keep it between $700-800. That includes food, non food, and alcohol.(mostly wine and some beer). I’m planning a Costco trip mid month so we’ll see how much that adds if I add in prepper stuff. I’m not planning to but will stockpile a few things like coffee, Rosarita veg. beans, TP, and a few other things. The rest is just stuff we need like cheese, fish, bread etc.

I’m starting another round of decluttering. Mostly this is paper stuff. I’m going thru all our old receipts, medical things and throwing away anything that isn’t needed. Also, little stuff in drawers, like old pens, screws etc. It probably won’t add up to a lot but I’m motivated to do another sweep. I also started a bag for the food bank with food I know we’re not going to really eat. ( I see you canned chicken:) ). There’s nothing big I’m decluttering like furniture since everything we have has already gone thru multiple layers of decluttering. Still, I always like to look at things from a fresh perspective.

I’ve made up my monthly meal plan.

I’m renaming Wednesdays, Pasta Wednesday since that will be my Velcade/Dex day. It’ll make it easier for the others to cook if they know what the plan is. 🙂 I also dashed out to Target to get one of their simple calendars. I loved the one from last year but they didn’t have quite that style. It’s funny how such a simple thing like a minimalist calendar is so hard to find. I checked all over and the nicest were like $20 and up. Even on etsy they were expensive. So Target had just what I wanted for $5.00. It was pretty empty just like I hoped.

Friday Five

Posted in budgets, decluttering, reading, simple foods, Uncategorized by
  • Yesterday my daughter and I took a huge load to Goodwill that was mostly my son’s stuff. Hurray!!!! Maybe the decluttering is sinking in for him. ( Probably not, but it was a good start).  Plus it was two Kirkland dog beds that the border collies just don’t use. The books I saved out of the drop to take to the pet bookstore as I’d rather support them.
  • Did the budget with B’s check and we’re on track to finish the credit card that we put Z’s spring tuition on by July.  Also, I finally paid the last of my Invisalign costs. So that was exciting. After the CC is done, I’m determined to finish the Santa Fe. It’s 2014 so, that’s 4 years of payments and I want it gone. If I did that by the end of the year I’d be happy.  I don’t see us getting another car for B’s work. Even though the company does do a stipend it would mean another car loan and right now, I don’t want that.
  • Retirement is looming for B so we need to be as debt free except the mortgage as possible.
  • My daughter and I went to the gym and then after the thrift store drop headed over for some tostadas. Yummy.
  • For dinner, I made baked tofu and then made a really yummy coconut curry vegetable stew. It was delicious. Plus I made a peanut sriracha sauce for the tofu.

Today it’s hot. So I might just hang out at home and read. My son lent me another graphic novel, TheWatchman, so I’m curious about it. He said it is the # 1 graphic novel of all time.

I might wash the outside windows with the Windex outdoor product. It actually works very well and you don’t need to wipe them when done although it does help.

Tonight is pizza night.

IMG_0273

Cheese and pepperoni pizza with basil.

 

 

 

Thursday stuff

Posted in Uncategorized by

Well, it’s off to Sacramento for my last Velcade shot of cycle 5. I’m really glad I’m approaching the end of this cycle and the last one #6.  Overall, this is a relatively easy chemotherapy but there’s still side effects. My eyes are still developing some styes and continue to water some. Plus, now the neuropathy has snuck in.  Most of it is manageable but still it takes its toll. Plus today I get to take Dex. Such fun!!

On another note, I’m ready with a small load for the Goodwill express drop off. I rather not give stuff to Goodwill as it’s CEO gets a huge salary, but I have to admit they have their donation centers down to a science. the guy comes out with a cart ,loads it and then whisks it away. Very neat and tidy.  I did manage to get rid of some Life magazine ads I had in slips, but still, I need to whittle down the Life magazines to maybe 4 bins.  Some of my oldest Life magazines are from the ’30’s and I like looking at them but maybe I’ll try to sell those as they are probably more collectable. I also just tried to sell mad Men seasons 1-5 and no luck so I’ll give those to the Humane Society bookstore to sell.

The budget is just ok. Not much new there except not enough money to fund my envelopes till next payday.  I’m hoping with some of the refiguring of budget stuff, next month will be better. We will have some reductions in expenses. One, my son will go back to working at Grocery Outlet and so he will have his own spending money so, I’m planning on not giving him the money we were, so that’s a big savings.  He is going to take a summer school class and will have an internship(unpaid) for now, so depending on his money we may chip in for gas. So with June starting hopefully we will see most of the big bills for the year, (taxes, property taxes, auto insurance etc.) done till November. My big goal is to save and put money back in our EF which has taken a pretty big hit.  If B gets a bonus( which he thinks he is), that’s number one priority.

Our garden is giving us lovely lettuces and herbs,(cilantro, thyme, parsley, oregano, dill) so we are having fresh salads.  We have tomatoes in plus all the usual stuff. I haven’t really been food shopping so today after my shot I’m going to go to Winco or Walmart for pasta, and a few pickle type things that I can’t stand buying in our regular store ( Bel Air) for those of you on the west coast. I tried to get some whole wheat pasta at our store here in town. First , IMG_0089they didn’t have the Barilla I was looking for and the  ones they did have were almost $2.00 I can go to Winco and get Barilla for .99  So, it’s worth stocking up. the same with things like salsa and pickle type things (relish).  I also need some bulk popcorn, polenta etc. I’m going to buy the expensive milk in the glass jar to help cut down on garbage stuff. I’m on a new kick of trying not to buy stuff with a lot of packaging.  At Costco, it’s hard to avoid since everything has giant plastic wrap stuff, but my regular shopping I should be able to at least make a dent in some things.

 

Where I have my morning coffee!!!

The haves and the have nots!

Posted in budgeting, budgets, Credit cards, frugalism by

http://www.theatlantic.com/magazine/archive/2016/05/my-secret-shame/476415/

This is an article on the sad state of financial affairs of many people. The author is quite honest in his evaluation of his own current financial affairs and how he got there. He has a loan modification and is paying off credit cards.

Honestly, I totally agree with him. I wish we had been more financially smart. We never made any smart decisions financially till really about the time I was diagnosed with cancer. But even in those first difficult years with treatment and A Stem Cell Transplant, we made plenty of mistakes. The biggest was refinancing when the market was at its height. We were foolish to believe the loan officer that this was a good deal to maximize money in equity. What a mistake. When the market crashed and we’ve been under water in this house, we are now on the other side that the market is coming back up. WE too had a loan modification and it saved us. This actually is just ending and then the interest rate is going up.

I think when I started to embrace being minimalist, budgeting, not spending money for things clicked for me. We’ve mad a lot of progress and are quite frugal in all expenditures. Yet, there are still expenditures that are outpacing income. We’re helping our son with money at junior college. We pay for his car insurance and food. It is not giving us much to put away but we want to help him right now. Smart move? I don’t know but we are making the decision to the best of our ability now. We also put our Federal taxes on a credit card and we’re having to pay that down.

All in all, everyone, I’m sure does what they can but sometimes keeping up with expenses versus money coming in is a struggle.

I also think that people who have received inheritances or who are wealthy, or have no mortgages , or maybe they’ve just done everything right and made enough money in their careers and have money to put toward savings etc,. Some of these people just don’t get it. Yes, we have family members who really don’t get it and of course live their happy go lucky lives with inheritances they received.

Yes, you can be frugal, budget, sing till your blue in the face, but sometimes there just isn’t enough money and how many of us are one pay check away from disaster. I’ve learned a lot in these last 5 years about being frugal and stockpiling pantry items, having a small emergency fund but there’s still a long way to go.

I don’t think it’s for us to judge others, though, maybe just some compassion and understanding.