Tag Archives: Budgets

Frugal Friday on Saturday

Posted in budgeting, budgets, California, cash envelopes, swimming by

The rain is still with us and the storm gates are open. Santa Cruz really got hit hard with the wharf breaking off. I was hoping to walk this morning so as of 6am , it’s still raining so I see how it is in 30 minutes. I can walk a little later if it stops.

I have most Christmas stuff away. The little tree in the living room just has the lights on it, so I may leave that up a day or two more. Otherwise, Christmas is over.

i went down to the pool yesterday and it was AWFUL. I can count on one hand how many times it has been crazy busy and does not invite swimming. I waited 10 minutes and then did get a lane to share. But the coast guard was training, then the college kids; maybe 15 of them were taking up most lanes. I almost left but glad I did my swim. next week I won’t be able to go at all because of New Year’s, it’s closed and then on Thursday I have my Velcade shot. I wore my new Apple watch to track swimming and it was fun. I still couldn’t remember how to unlock the water though. ( a feature to release any water if any in the watch). But when I came home my daughter showed me. I didn’t see any water come out.

I’m mainly using it to track sleep and sleep disturbances which basically is sleep apnea. So based on a week’s tracking, I was elevated every night which means some sleep apnea. This is giving me a good idea of my sleep patterns which was the main reason I bought it. I’m trying a few things, like no wine after 7pm and seeing if I can lose some weight. The thing is if I’ve had sleep apnea for years with no problems, then I’m not sure what it all means. Well, my appt with the sleep doctor isn’t till April so it gives me time to work on different things.

Budget wise, I have January’s budget in place. I don’t think we have any annual bills coming up so that’s a relief. I’m trying to get ahead with the spring annual bills like property tax but there’s not a lot left over to add when it’s all said and done. Still something is better than nothing. I’ve set the food budget at $500 for the 3 of us. That’s a little tight but I am going to try and use up freezer stuff. So far for food, I’ve spent $139. I plan on hitting Costco this week so that’ll add up. I don’t need a whole lot but buying from Costco means each item is more expensive though you get more. Plus that’s what stocking up is about.

In January, I need to buy some clothing items such as socks and a few T shirts. I think I’m ok on jeans, but may need a new polar fleece jacket. The one I have is LL Bean and it’s held up for 5 + years so I may get another one. Since I wear the same things daily( levis, T shirt, a demin shirt or flannel and my LL Bean fleece. some stuff does wear out. I’ll try to budget a $100 for January and see how it goes.

Today is a home day for me and I plan on cooking some brown rice and tidying the house. If I can kick the cats out, I’ll vacuum.:) they are spoiled!!!

Frugal Friday

Posted in budgeting, budgets, California, cash envelopes, frugalism, Gardening, Lake tahoe, Pantry by

It’s been an okay week budget-wise.

I got gas at Costco since I knew we’d be driving to Sacramento and then the next day to Rocklin. Gas here in town is almost a $1 more so it does save $$.

We did go back into Costco after Sacramento and picked up avocados, butter lettuce, milk( B is drinking a lot of milk in his protein shakes), cheese, and I can’t remember what else. That came to a little over $100 which I used cash for. I also, on a separate checkout, bought 3 Christmas gifts one of which was Chocolates in a 3 pack that I can separate for gifts.

That was it in spending so I think it was a good week.

Today is one of my Dex days so I’ll do stuff around the house although I feel kind of off. I bought a wood step stool from Amazon so I can sit on it and go through my pantry boxes. I just can’t sit on the floor for any length of time. I’ll check it out today and see if it works otherwise I’ll send it back.

I started my annual rereading of LOTR. I finished The Hobbit, and am 1/3 of the way through Fellowship of the Ring. I also picked up my holds from the library so I have a nice stack of books on my bedside table.

My daughter harvested the delicata squash and oh my, there must be 20. That will make some tasty fall/winter dishes. Everything in the garden is done. The tomatoes are done. There are still some jalapeno peppers out there but not a lot. I’d say the only thing I missed were cucumbers for pickling. But that’s not something I do a lot of anyway. She’s going to put in a fall garden with radishes, lettuce, and maybe chard. Our cilantro seeds itself so that should be coming up soon too.

Frugal Friday

Posted in budgeting, budgets, California, cancer, cash envelopes, cooking, frugalism, home stuff by

This week I did another Costco trip. This one had TP, bread for the freezer, half and half, and other staples. It came to a little over $200. I had $130 cash and then put the rest on the debit card. When I do that then I take that amount off my food $. I still need to do another cash run so I’ll figure out what I have left in the budget. I did buy B his Sierra Nevada beer even though he’s not really drinking much. But he gives me the money back for that.

I also went into Winco for salad stuff and that ended up under $30.

All the bills for September are in and accounted for. Our Allstate insurance notice came and again prices are crazy. My son’s Subaru is on our policy( he pays for this though), and it’s a 2008 and almost $700. Why?? I will pay when the actual bill comes in but I think I’m going to pay in installments. I really don’t want to add to the CC.

It’s been hot as I mentioned but it cools off at night with all the windows open.

Today is a no walk day so I’m doing some extra chores. The biggest is the outside windows. I also processed more tomatoes for the freezer and will do all of them(3 bags) later this fall.

I stuck to my menu plan this week except tonight is pizza night and I don’t think that’s what I’m doing. First, I don’t have any dough made, and second, no one feels like a pizza in this heat. I’ll figure something out.

Frugal Friday

Posted in budgeting, budgets, California, cancer, swimming by

I had to get gas this week so that was $53 at Costco. Not too bad. The other cars, buggie and the truck are fine so I don’t need to fill them.

I’d gone over to Wino after swimming and spent about $100. Some wine and food combined.

Yesterday after infusion, I stopped at Costco and spent more than I wanted but I’m going to move some of it over to July’s budget since things like shampoo and conditioner will last months, Qtips were on sale, and they too last about 6 months if not more, mayo was on sale and I put that in the pantry so that will last months too, flour, and a bunch of other things that will definitely be more than a months grocery shop. Maybe I’ll try and separate it out if I am sitting at my desk.

All the monthly bills are done so I have July’s budget ready. The only extra this month is the truck registration and I’ll do that next week.

Our hot weather is starting again today, so I need to close the windows and curtains. It looks to be hot till Tuesday. My son was going to come tomorrow but now with that being the hottest day he may wait till next week. We need to get the floor down so we can get the sink in so it is a bit of a hold up.

Today we’re going to try and paint some if not all of the bathroom. It just depends on how our arms hold up. Getting old, huh?? I used to paint entire rooms myself. Heck, I painted the outside of the whole house once. Not anymore. I can do a wall or two and then that’s it. I think my daughter will be my backup today. 🙂

Frugal Friday

Posted in books, budgets, California, cancer, frugalism, Lake tahoe, Myeloma, travel, Uncategorized, Walking by

This week was fairly low spend. We did go to Paris Bakery one morning down in Roseville. It has delicious croissants and other baked goods. Also beautiful cakes. So that ended up $30 because we had fancy coffees which we almost never do and I brought home a pastry for my daughter to enjoy.

I did fill up the Santa Fe on Monday at Costco gas. That is the lowest price anywhere.

I popped into Winco and got a few groceries and some wine. Winco’s wine prices are the best around too. I like the Bogle chardonnay and Smoking Loon unoaked chardonnay. I think my total for wine and food was $57.

I think we’ll need to go to Costco next week as it’s time for more coffee. I plan on keeping that shop low spend as I don’t need a lot and I’m still working on eating down the freezers. With my son moving out food costs should go down although he will still be coming up here 2 days a week to work remotely and go into the office. So he’ll eat here when he’s here.

I’ve worked up the budget for June although I didn’t add in travel $. We’ll be in Tahoe twice. The end of May and mid June so I need to allow for gas and some food things. We generally don’t eat out in Tahoe because of the expense and we haven’t found a super great pizza place or Mexican. We do love Sprouts for sandwiches though. It used to be one of B’s accounts up there and has been around a long time. Great organic food. The Safeway is just up the road from the campground so we usually go there.

Tonight we’re going to do take out pizza so that’s pricey but we’ll only get 1 large as my son is still moving stuff to Sacramento and is down there tonight.

In other news, Dr. Laptalo said to drop the dex completely and let’s see what happens. I totally agreed. Of course, if my numbers go up substantially because dex helps boost the chemo then I’ll just have to consider the options. So I have 2 chemos scheduled before I see him again so that should give us a more accurate picture. I guess we’ll just have to wait and see.

Today was a no walk day, a no gym day and, a no swim day. So I want to go over to the pet bookstore and look for a few books. They’ve moved so it’s in a less convenient location than it was before. Speaking of walking, we haven’t had for months now, other people coming early to walk and then pow, yesterday we had 3 other people and OMG, AH showed up. It has been almost a year since he was there. I just about fell over. If you’re new to this blog and wonder what AH stands for, use your imagination. One thing though, he hadn’t gotten out of his car yet and previously he’d jump out and drag the dog out. So we wondered if the dog had died or was just too old now. I guess we’ll know next time we see him. Weird though.

Frugal Friday

Posted in bread, budgeting, budgets, California, cancer, cooking, frugalism, library, LLS, swimming by

Since this was the first week of my May Budget we didn’t spend much. Costco we were able to use our rebate of $117 so that helped. The total was $345. So the breakdown was $190 for food, $109 non food, and $46 for alcohol which was B’s Sierra Pale Ale at $30 which comes out of his personal money, and $16 for 2 rose Proseccos. this was all paid with cash from my envelopes.

It was a lot of food and much of it will last more than 2 weeks.

We filled up with Costco gas which is the cheapest around. I’m trying to keep the tank at least half full.

After infusion yesterday, I added in the trip to the library to get my holds. I had 8. I was thrilled to see a brand new copy of Hannah Kristen’s The Women. I’m excited to start that. I thought of going into the gym but felt after infusion, to skip it. Just for reference, the gym is right next to the library.

We bought some tacos on the way back from Costco so we didn’t come home starving. I think that was $21. but I had 2 things, B had 2 things and a milkshake and I brought home a burrito for my daughter. Other than that no eating out. I did meet up for a coffee at our local cafe with my library buddies though.

Today is dex day so a home day for me. I don’t walk on Dex mornings as my BP is up and my breathing is affected( sort of shortness of breath). I have the sourdough boule in the oven already and plan to make a chicken salad with cranberries and pecans later.

Last night I made a brinner of scrambled eggs with Bourison, fried potatoes with mushrooms topped with cheese, buttermilk biscuits, and strawberries on the side.

It’s cloudy today and we might have a few sprinkles.

We finished Season 10 of Doc Martin( the final one). It was ok. Nothing too new but fun to see Portwenn. We’re still working on Lynley which I do like.

I did buy a new swimcap from Amazon. My old one was from when we went to Florida for UNFI’s awards and there was a saltwater pool that I swam in. So that’s 2016 I think. Actually, it may be older but I can’t place it. I won’t be back in the water till next week because tomorrow is still a no-drive day.

Budget wise all the bills are accounted for in May. Once my LLS comes in I’ll make another cc payment to get the Allstate insurance paid off. My award ends in June so I hope there is funding available. Last time it took almost 3 months.

I go for my labs on Monday so I do plan on driving down to Maheny (gym) after that. The pool is too close as it closes for laps at 9:25.

Frugal Friday

Posted in budgets, California, camping, cash envelopes, frugalism, home stuff, travel by

Overall, a frugal week with just the basics being bought. I didn’t go to the store after shopping last Sunday at Holiday Market. I think I spent $80 including wine, lunch stuff and to use the 2 coupons for free stuff for April. The coupons were for a salad pack and olive oil. B went to Safeway the other day for milk and cream.

Today after the gym, I was going to go to Taco Tree but decided to just come home and have leftover lasagna.

All our meals were used and tonight is homemade pizza ( I think). I’ll get it ready( defrosting the pizza dough) but I might change the plan to something lighter.

I’ve got May’s budget almost done. I just need to tweak a few things. Rubi’s insurance is due in May so I need to put that in. I didn’t have that figured into my cash envelopes so I’ll add one for that for next year.

In May we only have 1 camping trip to Tahoe and that’s at the end of the month. We’re still planning on going ahead with the bathroom so that will have to be accounted for. We’re starting with a new window and then we’ll go to the one wall that needs to be opened up for a plumber to do piping. Of course, that means the claw foot tub will need to come out. When that happens, we’ll have to be using the RV shower. I imagine the whole thing is going to take longer than we think especially since B will be doing most of it.

This weekend is open and I won’t go to the pool tomorrow. I’d like to go to the nursery if anything, to get some plants.

The cherry tree has really exploded into bloom!! the bees are loving it and the whole thing is humming.

Thankful Thursday

Posted in Blood test, budgeting, budgets, California, camping, cancer, Gratitude, Myeloma, travel by

We just got back from Sacramento where it is all sunny and so pretty. When we hit Auburn the foothills were cloudy and we were starting to get some rain. I’m grateful B drove as I was on dex and had a bit of a headache probably due to higher blood pressure.

My doctor appt went well. All is pretty good and stable. My kappa light chains went back down to normal so I was very jazzed about that. I’m totally grateful to see those normal numbers. We’ll see what my next labs bring. I had my infusion yesterday so I’ll get labs next week. He’s on vacation so I may not get them till the following week. My blood pressure was way up due to dex but if it follows the same pattern as last month, it’ll go back to normal tomorrow so I’m grateful for that.

I’m grateful to the infusion nurses who are so kind and competent. They put up with a lot and have to deal with so many situations. I’m pretty sure it’s a very stressful job.

I’m grateful my budget is done for April. Overall, it looks good. We have property taxes and Allstate but I’ll put them on a card and pay as much as I can in April but it’ll definitely go into May.

I’m grateful B went to Costco for me yesterday. We got most of what we needed but there were a few things he forgot. Actually, not his fault because I didn’t check if we needed dishwasher pods and we did. So I added some other things on and we’ll do that next week.

I’m grateful we get to go to New Brighton in a few weeks but I did get a notice from them alerting us to the ground being saturated due to rain. Since all the pads are paved, It should be fine for us. Tent camping probably not. We have the whole week booked so that will be nice. Sometimes we leave early( like last time when the family with the monster children came in on Friday) and we left on Saturday. Too noisy, too many bikes and whatever street games they were playing:(

B bought some nice asparagus at Costco and I will pan grill them tonight with a quiche, I think. I have some mushrooms, spinach, and green onions to use.

Frugal Friday

Posted in budgeting, budgets, California, camping, frugalism, library, swimming, travel by

It was a spendy week at Napa, but I don’t count that as our normal spending but more in travel/camping. Still, groceries were expensive in Napa, more than here and it was noticeable. I can see why Trader Joe’s was so busy. Raley’s was ridiculously costly. For example, we usually buy a piece of cake or something for dessert, and the cake we normally get ( 1 slice of tiramisu) was 11.99 whereas here it is 6.99. I didn’t notice the price till I putting away the groceries and was slightly shocked:(

We ate out twice and got Model’s Bakery twice. Model’s was only $15, so not bad for 2 coffees and 2 pastries.

In planning for our next trip which will be Capitola in April, I’ll have more cash for things than I did for this trip. We don’t go out to eat in Capitola but do go to Gayles for things. Plus we do hit up the grocery store at least once. It’s easier for me to get some groceries when we get to our camping destination than to load everything into the RV.

We’re still trying to get September booked for Tahoe, but B slept in this morning and spaced it out. I’m almost maxed out on reservation dates( you only get 14 days a year), so I didn’t do it even though I was up. Oh well, we’ll get something eventually.

I don’t plan on going to the store until next week unless I need some salad stuff. Next week we do need to go to Costco since the sale stuff comes off the following Sunday. I need toothpaste and some other things on sale, mostly non food items.

Today, I’m planning on swimming and then picking up my holds at the library. After that, just home and doing some house tidying. Everything is pretty well done but I want to tidy a few areas.

Saturday bits and bobs

Posted in books, budgeting, budgets, cash envelopes, frugalism, home stuff, library, meal planning by

I went to the gym yesterday in Roseville and did upper-body weights. At least it’s something to keep me going. I also dropped off my load of books at the library. The library wasn’t open so I’ll need to plan a stop there next week. I just finished the Anne Hillerman book ” The Stargazer”. It was good although her father was a bit more of a concise writer. Still, it’s good.

When I got home I warmed up the sunroom and then later did my PT exercises out there. The Ikea couch out there folds down and is low to the ground so that’s where I’m laying on my back and side to do the exercises. I still don’t think I can manage the floor because I’d need to use my knee to get up. Maybe in a few weeks, I can start practicing doing that.

I was over the moon that tRump had been told by the jury to pay 85 +million. Of course, who knows with appeals if he’ll ever pay but regardless it sends a message. I heard on the news(NPR) something about Christian evangelicals putting tRump out there as a messiah. crazy, ??? really?? He’s about as far away from Christian values as you can get.

B had an unplanned trip to the dentist for a toothache. I pulled some of the money from home EF and will deposit that next week so I can pay the CC. Fortunately, it’s not an infection so the crown can wait a little longer. We just finished paying that off in December so I need some time to build up that fund. I’ve been watching lots of YouTube cash stuffing. I’ve gotten a few good ideas and enjoy seeing how other people do it. Mine is very simple because we only get $ once a month so it’s a bit different than people who are stuffing paychecks. Still, it’s interesting.

I’m using 4 binders to track spending and to use for cash envelopes. Here’s the small Louis Vuitton. This is the one I take with me as it has my grocery money and coffee money.

We’ve had zero luck getting rid of the quilting frame. None of the thrift stores want it so now we’re stuck with what to do with it. Even Goodwill usually takes anything said no. hmm, not sure, but I guess the landfill unless I can think of something. Maybe the wood could be repurposed. ??

Today is a home day. I want to do the menu for the week, then check the freezer and pantry for ideas. I also want to take the 2 bins I took out from4 under the bed out to the garden shed and see if I need them out there or not.

Frugalwise, we did great this week. B went to Costco using the ‘stock up’ cash envelope. Mostly it was in fact stock ups. It was HP printer ink, AA batteries, toilet paper, eggs and a few other things that came in at $137. We bought our usual wine for the week and that’s it. Tomorrow(Sunday) I plan on going to Winco and TJ’s so that I have what I need for the week and not have to go to Safeway or Holiday. It does save money to plan on those 2 stores.