Tag Archives: Budgets

Friday Things

Posted in bread, budgeting, budgets, California, cooking, frugalism, Uncategorized by

My budget month is coming to a close, and overall, I did well. Groceries came in at a little under $400, so that’s really good. Other bills were just normal things, I think. Most of my bills are on autopay and are generally fixed or close to it. The water bill varies by season, and so does PGE.

Today is a home day, and I’m doing another loaf of sourdough. It’s so weird that after not baking bread for a good while, it’s like starting over. But I did get my starter nice and active. The other trick I started using was to turn on the oven light and put the starter in there at first to double in size, and then later for bulk fermentation. It worked brilliantly. I guess there’s always something new to learn.

I had my first real-life experience with AI. I had a message about reordering some of my CPAP stuff. So I called the number, and it was an AI named Brenda. It asked all the pertinent questions. It was both weird and ok. I didn’t have to talk to anyone, so that was positive. On the other hand, this was not a real person, and there was no option to do so. I guess the future is here.

I do hope there’s a special place in HELL for the ICE agents that murder innocent people and use children to trap others. I’m not religious and am an atheist, but there has to be a HELL for them in some shape or form.

I do need to work on next month’s budget and see how far I can get with that. I started our taxes, but not everything comes in till the end of the month. I felt good about starting it. February has another Allstate payment and the Fair plan installment too, so that will be a challenge. I think that’s all the unusual stuff. Also, keep trying to get the last CC finished. We shall see, or maybe I should start singing” We shall Overcome”. ???

What things are any of you up to? What about that huge storm heading East? Are any of you in the storm’s path? It sounds awful.

Midweek Musings

Posted in books, bread, budgeting, budgets, California, cancer, reading, velcade by

I started reading Clavell’s Noble House. I read this back in the 80’s, but he is such a good writer, I wanted to reread it. The books are hard to find(any by Clavell is), but my son, who frequents thrift stores, found a first edition for me. Whereas Shogun takes place in ancient Japan, this is set in Hong Kong. I have a library book to pick up, and it’s one that’s been on hold for quite a while, Dan Brown’s Secret of Secrets. Have you read it? I’m curious about it and whether I’ll like it. I did like the action in his other books, so we’ll see.

I’ve had a flare-up of my IBS, so I haven’t been to the pool or down to the Roseville gym. I have walked and done the Auburn gym, but I want to keep track of what foods may be triggering this( pizza? dairy?). I checked with Dr. Laptalo, and he thought it might be connected to my Velcade. (Remember my chronic diarrhea started way back with Revlimid, like in 2010. Most of that is over with, but occasionally I get a period where it seems to flare up. He suggested some OTC Imodium, so I’ll check that out. I do have Lomotil, which I take when needed, and that was an absolute game-changer for me, so I could go out to eat, travel, etc. But these flare-ups make it hard to go out. Todays Wednesday, and I’ve been fine the last few days, so I’ll see how it goes for the rest of the week. This is a common side effect of chemo, but with Velcade, I haven’t noticed much. On the other had I didn’t develop IBS with Revlimid for 3 years, and then the last 2 when I was on it were truly awful.

So, as such, I haven’t decided if I want to get my book or not. I plan on making another sourdough loaf as I fed my starter. The whole wheat loaf didn’t have a very good rise, so I think my starter was too weak. I did get some organic flour to use as opposed to the whole wheat I had used. Whole wheat is great for a yeasted bread, but much harder with a sourdough starter.

I need to work on next month’s budget, too. I have Allstate as an extra expense and part of the house insurance, too. I need to check if there’s something else too. Property taxes are coming due, so I need to figure that out.

That about sums it up!

Frugal Friday

Posted in budgeting, budgets, California, cooking, frugalism, garden shed, Uncategorized by

Overall, it was a good week. Bills got paid, and the budget looks ok. A few more bills are coming out next week, the garbage bill and the water bill.

I only went to Winco this week, and mostly that was for veggies for salads. I’m motivated to eat more salads since I’ve been using the mandolin. It’s fun to cut up the radishes and cabbage with it. I spent $55 at Winco, so that was an inexpensive shop. We still have a lot of stuff to use up in the freezer. But that’s ok, that’s why I buy food at Costco, so it’s there. Last night we shared a chicken pot pie and had salad. My daughter suggested we go back and watch Stranger Things from the beginning, so we’re doing that.

Around Christmas, I ordered a food saver called Chef Preserve. It’s a handheld vacuum sealer that takes the air out of the bags it comes with. I’ve had the other kind of vacuum sealers, and they are big and bulky and kind of a pain to use, but this one is small and handheld.

I only used it on shredded Brussels sprouts, so I don’t have an opinion yet, but I think it will be a food saver, especially for veggies. Today I’ll try the radishes and cucumbers. I’ll keep you posted. The bags are reusable as well. You can also purchase glass containers.

I checked my LLS and discovered that only part of what I submitted actually showed up in the download. I guess I used a JPEG, and only one picture showed, so I had to go back and figure out what I did wrong. I noticed that each scanned item was a separate JPEG, whereas the PDF displayed all four. I have to show the bank statement and my amount on the insurance form. I resubmitted it, but that delays it by a few weeks. I guess I never checked before that the dropdown when sending to a file was on JPEG instead of PDF. I’ll check in a few days to see if they got it. sigh:)

I’ve only had a few people interested in the Ball canning jars( no takers), so I’ll drop them off at the Goodwill with my next load. I don’t need that many jars hanging around, taking up space in the garden shed.

Today is another beautiful day. Yesterday the high was 69, and it was glorious. I think today is a few degrees cooler, but still really nice.

On a political note, I find it odd that Machado gave trump her Nobel Peace medal. The title is non-transferable, so what kind of ass-kissing gesture was she trying to pull off? Yes, of course, she want strumpy’s approval in Venezuela, but still, what good is it going to do him? If anything, it’s a meaningless token since he did not ‘win’ it.

Friday Things

Posted in budgeting, budgets, California, swimming by

I plan to go down to the pool this morning. Hopefully my foot will like the water. My Merrills won’t be here till next week, so I just have to make do with the Hokas. I’ve been keeping them on most of the day, but then by evening, I want them off. I have my Birkies then to put on. I still might buy a boot from Amazon, but I haven’t decided yet. I’ve been spending money on Black Friday deals for things we need, like the Fat Wood for the fire and other not really interesting stuff, but necessary. But all I see right now is money flying out the door. The Merrills were very pricey, but I’m sure they will last a long time, and if it helps keep my foot stable, then that’s a win.

Yesterday, Costco’s food added up to @ $140, with a lot of it being long-term food, such as some tamales and bacon. These alone last a few months at least. Food-wise, I’m over budget, although I don’t have the final number yet. I’ll tally it up this weekend.

Update: I just did a rough tally, and I’m close to $600 for food for the two of us, but that does include Thanksgiving food as well. So not too bad really. I will definitely do a pantry/freezer challenge in January.

All of November’s bills are done. Our water bill and electric bill have gone down, so that’s a positive. Of course, we’re not watering the gardens now, so that’s why.

Well, I’d better go get my suit on and get ready to go.

Friday Things

Posted in books, budgeting, budgets, California, cooking by

It’s been a frugal week overall.

I got gas at Coscto and it was $3.96 a gallon. That’s a whole dollar less than in my town.

After the pool on Tuesday, I went to Winco, which is across the street. I mostly needed some salad stuff, but threw in some extras like Triscuits and Popcorn Cakes. My total was @$100, so not too bad. That’s all the grocery shopping I’ve done this week.

The monthly bills are starting to come out, and I always feel better when the big bills are done. I haven’t checked Allstate to see if the bill is ready, but I did get the statement. As I’ve said, I’ll just have to pay in installments since I can’t do the full amount. I also need to have my son figure out his car situation as that’s a big part of this bill.

Yesterday, I went to the gym and the library. I was going to go to the pool, but I haven’t been to the gym in 2 weeks, so I felt I’d better tick that off the list. I didn’t have any holds at the library, so I picked up some random books off the ‘new shelf’. I came straight home after that. After I rested some, I went to work pulling out the cabinet by the stove that was beyond help. It only held our coffee things and my sheet pans.

My plan is to buy an Amazon Basics cart to put here. I will wait a bit to see how the space shapes up or what I feel it needs.

Today is a home day except for a pop-out for a coffee with one of the library friends. It’s just at our little coffee shop in town. Then, when I get home, I read and do what house stuff needs attention.

Next week is crazy with appointments, which I hate having more than one. But I’ll get through. It’s also my Velcade week, so Dex will be involved.

Last night, my daughter worked her late shift, so I had breakfast for dinner and watched Casablanca. It was great as always.

We are headed into really lovely fall weather for the next week or so. Temperatures in the 70s.

Frugal Friday

Posted in budgeting, budgets, California, home stuff, Walking by

Basically a good week with finances since all of Septembers bills are still out there and this week is just an inbetween week. I have my budget done for September and everything is set up to come out automatically.

I got my LLS reimbursement so I’m keeping the $300 for UHC in the checking account. I’ll submit September’s about mid month. What a relief to have that for now. The grant should cover most of UHC till next July. At least it’s something for now and I greatly appreciate what they do. ( LLS that is).

I checked my Allstate account and nothing is due yet but I’m guessing that first payment will be October. I talked with my son about this because his Subaru is sitting in the back by the barn because it’s not running right. It’s a 2006 and I think he should just get rid of it. He does pay his insurance so it’s not that, it’s just it would be better just to have the 2 vehicles on the insurance. At this point he’s driving the truck which is fine till he figures out what to do.

I ended up going to Trader Joes after picking up the sleep test. I spent $125, but most of that was wine, and then $25 was gift card and about $25 was gift stuff(plus some of the wine) for my son’s partner’s birthday. Other than that no money spent this week.

It’s nice to have these inbetween weeks and not have to think about things related to bills, groceries, etc.

The sleep test was a disaster. The first night I did ok but really only got about 5 hours sleep with it on but the next night was horrible. I couldnt get to sleep for hours and then I was only like dozing off. I woke up like a zombie. I drove to Roseville dropped it and told the receptionist I wasn’t sure it was on the night before. After that I drove home, took an ativan and went to bed and slept for 3 hours.

I did feel a lot better after that. I walked this morning and felt good. I was planning on driving to the pool but then just didn’t feel like driving. So, I plan on dropping off thrift store stuff because it’s piled in the back of the Santa Fe. Other than that just pottering around here and doing some house tidying.

Here’s a picture of where my desk that I work at is with the 3 steps. Remeber this was a porch with concrete steps when we moved in.

Here’s a closer shot of Barclay and his VW bus. Plus that’s Jason our first boy! This poster is supposed to loook like that as it’s some kind of photography thing my son did.

Another shot of the now Heywood office.

Here’s the Star wars shelf for now.

Well, off to get going in my day.

Do you keep a shelf of memorabilia like star wars? The other thing is a Dalek from Dr. Who.

Frugal Friday

Posted in Blood test, budgeting, budgets, California, camping, cancer, decluttering, Walking by

My new budget starts next week. So far, groceries have come in under $400, so I think I’m getting the hang of buying less.

I went to Costco this week and spent $233 on food. Freezer and pantry stuff brought it down to @150. For the pantry, it was granola, which lasts months, butter for the freezer also will last 3 months, pulled pork will be for at least 4 dinners over a few months, tamales, the same as they will be used over the next 3 months, and coffee, which will be about a month. Non-food came in at $70, about for batteries, hair conditioner, TP, and paper plates were on sale, so I picked them up for easy clean-up dinners. All of that will last for months.

For wine, I bought my favorite Juliet Rose and a fancy bottle of Sonoma-Cutrer wine. That was around $40.

Overall, I was pleased. Then I bought 2 pizzas for the tree crew that were here. I’ll show the pictures below.

We just got our Allstate car renewal, and it went up $1000 ( fuck Allstate) because of the claim that the scammer did, saying my car door scratched his. It’s a long story, but suffice to say, my door did not scratch his, but it did touch his passenger door, so Allstate had to favor his claim. It was a scam to begin with because then he got the money, and of course, didn’t go to the body shop. I tried to explain the setup because he was extremely aggressive verbally, and never even got out of his car, but took a picture ( or someone did) of my license plate. My guess is someone else was waiting with him in the parking lot. Oh well, done is done, but that is going to cause me extreme stress trying to pay that. I guess the best I can do is do the payment plan at this point.

On a positive note, the tree crane was here and took the tree. It was quite the job, as you can see. It took all day and then the next to deal with it all.

I’d had other plans to meet a friend for coffee, but that went out the window dealing with this. I hate dealing with this stuff, but I don’t have a choice. The other tree, I guess we’ll just have to wait on because it wasn’t in their system, but I’m going to try and convince them, but that will also take a crane( I think).

It would have been too much to do both anyway. All the wood is gone now, and it looks good. They did a good job.

Today, I’m going to Auburn and will drop off a load at Goodwill. It’s mostly stuff from Rubi that I know I’m not going to use if we get a tent trailer eventually. I still have the bathroom in Rubi to sort out, though.

It’s been a stressful week with my ortho appt, labs, the tree, etc. BTW, the shot hurt like hell, and my knee was really sore from it, but yesterday it started feeling a lot better. So hopefully in the next two weeks I can increase my walking. It takes about 2 weeks for the steroid to take effect.

Also, on a positive note, my labs came back about the same. Kappa went up to 20.5ml/g, so a slight increase from 19.8. Really, in the big picture, that’s not much. My ratio, though, did go up a bit because the lambda went down. If the Kappa goes up, Lambda down, then the ratio goes up.

The heat is back, and 98 * is hot for us. I think today it’s supposed to go to 99*. I’ll have to turn the coolers on by 10. Our PGE bill did go down some, though, so there’s that, I guess.

On a sad note, it’s our 55th anniversary soon. It makes me sad. We did have a wonderful life, even with the ups and downs of it. I’m planning a day trip to Tahoe soon, just not sure when. Burning Man is happening, so the freeway has lots of crazies, which also means the Tahoe area has some overflow. I’m hoping next week sometime.

Frugal Friday

Posted in budgeting, budgets, California, frugalism by

Since I’m not driving a lot, gas is being saved. I filled up at Costco, which is a real savings. Also, I’m using the Costco Visa card and have earned $32 so far. That includes gas and in-store shopping. That’s a big savings.

The only shop I did to last week was WinCo. I spent $150 on food. Overall, I’m good with that. This next week, I plan to go to Costco as B needs some socks, and I saw that Costco has Sketchers that you just slip on. His balance is very precarious right now, so I want him to wear some on his feet other than Birki’s.

My daughter and had brunch out, and that was $60 plus a tip. We rarely eat out, so for her birthday, it was a treat. This was from a cash envelope.

Today, I plan on getting gas in the VW and stopping at Safeway for one of their cake slices. We didn’t do any birthday cake or pie, so I thought it would be nice to get a piece. Safeway has the best cake slices.

Other than that, not much else. I have my budget for June done, and money is very tight, but I think we’ll be ok. The biggest new expense will be the increase in our UHC insurance, and the grant B has been used up. We’ll just have to adjust as best we can.

Oh, hurray, my Kappa light chains came back good. Not great as in under the high normal, but came in at 20.8, so above high normal, but Dr. L said labs look great, so I will believe him at his word. I’ll see him next week.

Frugal Friday

Posted in budgets, California, cancer, cooking, knee injury by

Overall, another good week.

We started the week off with Mother’s Day, and both my kids made breakfast for us. My son brought Noah’s bagels and cream cheese. We had the Kirkland Mimosas, and that was fun.

I had quite a few stay-at-home days, mostly because of the knee. But I did have Ortho on Tuesday by came home right after. I had a very nice afternoon alone as my son took his dad to infusion and my daughter was at work.

On Thursday, I went to the gym, library, and Costco. I bought most of what I wanted from their sale brochure. It really does pay to use the sales for savings, especially if you’re going to buy the stuff anyway.

Today was another home day. We’re still waiting on the VW as the wrong part was sent, so he had to reorder. I do hope we get it by Monday.

I’m working on June’s budget as some things will be different, mostly B’s grant is used up for insurance, and my LLS grant is almost used up, so that is going to throw us off quite a bit ( like $500 + dollars a month). Plus, we have another DMV due, which is for the truck. It’ll be a challenging month.

Friday Things

Posted in books, budgeting, budgets, California, frugalism by

This has been a good week, money-wise. Nothing out of the ordinary, which is always nice.

I went to Costco after dropping B off at infusion. That ended up less than $100 for food and $40 for non food. After that was Winco and that was $15 for salad stuff and $15 non food.

I think planning my Costco and Winco trips is making a difference in our food budget. I haven’t shopped at Safeway in months. If I can avoid our Holiday Market, that’s good too. We are very fortunate to have a store in our town, but it’s quite pricey, so I only go down to it( we live on a hill) when I really need something.

Yesterday, I went to the gym and did upper-body weights. Then I dropped my books off at the library and picked up a few cookbooks on the new shelf and one book. Then there was a free gardening display outside, so I walked around and picked up some flyers on native plants. From there, I came straight home.

Today is a home day unless I go into town with my daughter. She wants to go to Home Depot for a few things, so I may tag along. Other than that, just the same ole same ole.

What do you budget for food? I guess we come most often around $600 for the 3 of us. I’d still like to get it around $500, though.

These are the Rancho Gordo beans I made. Yum!

This is an old crate I had, and since I haven’t been able to find a place for our towels, this was suggested in this book:

It’s a pretty book with some good ideas.