Tag Archives: Budgets

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.

Frugal Friday

Posted in budgeting, budgets, California, cancer, cooking, Walking by

Costco was not frugal but necessary. We stocked up on oatmeal, coffee, protein bars, cheese, butter, eggs, and who knows what else. Oh, there was a cheesecake involved:) Still coming in at $400. Yikes. Overall our grocery shopping has been pretty restrained and mostly at Winco or Trader Joe’s which saves a lot of money.

We filled the truck up at Costco and that too saves quite a bit as that is the cheapest gas around.

We had a nice starry walk this morning and only one guy was there. He shows up occasionally. The one older lady who doesn’t use a flashlight( my pet peeve) showed up just as we were almost done. A nice way to start the day.

We’ve had homemade meals all week except the Costco chicken which was still eaten at home for dinner on my infusion night. There are lots of leftovers so I made up one chicken dinner for the freezer and later plan to make chicken enchiladas with the rest. I have my pressure-canned enchilada sauce I made last year so I’ll use that.

Our electricity bill came in at $188 which is the lowest it’ll go. We didn’t need coolers running or heaters so it’s the break before the winter bills start going up. We use the balanced payment plan though that PGE provides so it basically evens out your bills for the year. It works out well.

Next week I have a dentist’s for a cleaning and since we don’t have dental insurance anymore that will be OP. I think cleanings are @ $130 now.

I plan on swimming tomorrow and then at least once next week on my week off from infusion. Plus, I also have labs to do.

Last night I made a quiche with things from the fridge that needed using, mushrooms, peppers, spinach and, some cheese chunks. It came out nice. Tonight I plan on using a frozen pizza I have to get it out of the freezer as I need the room. I’ll make a spinach salad on the side.

Simple Sunday

Posted in budgets, California, camping, canning tomato salsa, home stuff, Uncategorized, Walking by

I finally got to go out and walk yesterday and this morning. I walked slowly and with my walking stick. It was ok. My knee is still a little sore and the back of my calf is a little sore too. Yesterday no one was there at all which was great. Today, no one was walking but there were people there setting up for an event.

I plan to go to the Auburn gym and just do arm weights, no treadmill. I haven’t figured out my swim schedule for the week yet. I do need to drop some books off at the library so I can pair that with the gym as the library opens at 9 a.m. MTW.

The mornings are much darker at 5:30 a.m. I think sunrise is @ 6:30 now. Evenings are getting darker earlier too. Well, it does happen every year. We have a Tahoe trip in September and I think it’s going to be a little different. I’m not sure what we’ll think about because we’ll be in the trailer earlier in the evening even if we have a campfire. Maybe it’s time to start checking out campgrounds more south like we had at Refugio. That was in November and it didn’t seem like the early sunsets or late sunrises affected us that much from what I remember.

I finished the budget for September and it looks good. We have a few added expenses like 2 new batteries for Rubi, and the shelf brackets for the kitchen shelves. Plus just everyday stuff that comes up. I won’t be able to pay the full dentist bill for Barclay’s crown but I’ll be pay a good chunk. So all in all, ok.

I don’t have any canning to do today. I think we’re going to get one or maybe two last big tomato harvests so I’ll wait and then do a large batch of plain tomato sauce. I also still want to can a few different meals in a jar but haven’t decided what yet. The Happy Homestead vlogger was pressure canning a chicken corn chowder which looked good. Of course, you wouldn’t do milk or flour but just the core ingredients and, then when you cooked it you would make a roux and then add the jar to the roux mix.

I played around making the Caco de Pepe recipe again and watched a couple of YT channels on making it. First, to get the cheese not to clump, grate it with a micro planner. Second, cook the pasta in a saucepan so the starch from the pasta is more concentrated. Third, toast the freshly ground pepper in another pan and then add some olive oil and butter. Then you add the boiling water to that and then add the pasta. I can say, this worked and it was delicious. The recipe was from Serious Eats, if you want to try it.

It’s hard to believe August is almost over and September will be here. September is both of our birthdays. It’ll be time for flu shots and the next Covid booster if it’s out by then.

Frugal Friday

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

Overall, a good week spending-wise. I went into Costco after the gym and bought berries, avocados, bagels, and other misc stuff. I like going a little later after they open and not having an overflowing cart. It was busy but not overwhelming.

I didn’t need to get gas this week but will need to next week so that’s good. Next week I plan to only go down to the gym and the pool one time each. I want to make next week a lighter workout week.

All the monthly bills are done but I still need to get next month’s budget done. Basically, it’s the same every month but we do have to add in project money or misc spending like clothes. August’s project is B’s office windows. We bought the windows back in May, so that cost is done but we’ll need the wood to frame it out.

We haven’t had any takeout or gone out for any meals in quite a while. I guess since I put a lot of effort into grocery shopping and cooking I really don’t like to spend for food out. I think I will plan a coffee date with B though.

There wasn’t any Amazon spending or misc spending this week. Overall, a low spend week. August doesn’t have any big bills but by October annual bills will start coming in. I’m a little concerned about our house insurance and how much it might go up. We have our insurance with the Ca Fair plan attached to AAA since Allstate left California. Hopefully, it’s not a shock.

Thankful Thursday, Frugal Friday and Saturday sum-up.

Posted in budgeting, budgets, California, camping, cooking, LLS, Multiple myeloma, Myeloma, pets, travel by

THANKFUL THURSDAY

  1. I am thankful we had a safe drive home from Capitola and traffic was not too bad at all. We made it home in 4 hours with a stop for gas and something to eat.

2. I am grateful that B does the driving and set up and take down of Rubi.

3. I am thankful the weather was beautiful and we had some lovely days in our camp spot. With the influx of kids, bikes, and loud people, we left a day early and I’m grateful we have the sense to do that and not just say” Oh, we paid for the night, we should stay”. We do not enjoy it when kids are throwing balls in front of the trailer, riding bikes, etc, while their parents are loud with partying.

4. I am very grateful to my daughter for taking care of the house and yard. With the chickens and cats, it can be a lot.

5. I am so incredibly grateful that LLS opened funding for Myeloma and I got my application in. It’s pending, waiting for my doctor to fax his form.

FRUGAL FRIDAY

We spent very little this past week while camping. We didn’t eat out except for Gayles and that was just coffee and a danish. We ate the rest of our meals in camp. We went to the grocery store for a few things and that was it.

If you figure a week almost in Capitola, and we had just the cost of gas and some food, it’s a low budget getaway.

Overall, the budget has been good this month. But some things have caused some alarm. I’ll describe that in Saturday Sum up.

All the monthly bills are done. I’m working on keeping a zero balance in the bank account and it’s right where I want it for now.

It’s a huge savings for me to have my LLS grant since it covers all my insurance costs. I’ll be able to have a look back of 90 days so for reimbursement.

SATURDAY SUM UP

Well, that was the frugal stuff.

The night before we left my son notice some water(moisture) on part of the kitchen foundation. Of course, I freaked out and had B use the giant flashlight to look under there. There was a slow drip from the kitchen water pipe that will need to be fixed. Now part of the problem is our house foundation is not that great and as you go from the back to the kitchen area it gets very small to access. When we had this work done the person had to use a very long something to put those pipes in place. So now we’re facing a difficult challenge of getting a plumber to go under there. B is going to suit up and go in to try and clear some old pilings of dirt. But he isn’t a plumber that can weld the copper pipes. We put a call in to someone while we were in camp and we will try and set up an appt for next week to have him check it out. I tremble to think of this added expense.

The good news is the truck will go in next week to fix the AC and it’s covered by the extended warranty we bought. That expires in August so right in the nick of time.

Today, I’m going to pick up a Walmart order that has some camping stuff( toilet paper, and small propane bottles for the Weber). Plus I need to dust as the pine yellow pollen is coating everything in the house.

While we were gone a red fox chased and almost caught Ciri the cat. It was caught on Arlo and it’s scary to watch. It actually jumped the gate and chased her into the laundry rooms. We’re guessing it has a litter of kits nearby and that’s why it was so aggressive.


Frugal Friday

Posted in budgeting, budgets, California, travel, Uncategorized by

So far this budget period, I’ve spent $400 on food. I had a coffee and snack at Nugget after the gym one day but other than that no eating out.

I’ve filled up the Santa Fe 2x and will need another fill up next week. So gas is right on budget.

We did spend some money on 2 pear trees. One was from Costco and the other Home Depot. The one at Costco was $42 and the HD was $55. This is the time of year when we throw money at the yard.

Next week we have a fun excersion back down to Napa but this time B got us room using hotel points from he was still working. It’ll be different since we’re used to our Rubi but fun. We plan on driving up to Calistoga as it’s been years since we’ve seen the town. We might stop at a winery but we want to keep this trip low cost so we may just do what we did last time which was buy an assortment of Napa Valley wines from the store. It was fun to taste different wines and it was a fraction of the cost of going to the winery.

My doctor visit was uneventful so that was good , I guess. I’ll see him in June.

Tonight is pizza night.

Frugal Friday

Posted in budgets, California, Political things, Uncategorized by

This week has been relatively frugal since it’s the end of the month and all the bills are done and I didn’t need anything from the store.

I have next month’s budget done and there are some extras on there like more garden soil. Since we have the truck now, we can get a yard of garden soil and it’s way cheaper than getting bags. The weather looks really nice for the next couple of weeks so I’m sure my daughter will want to start getting garden beds ready. She already has lots of tomato starts in the greenhouse.

Today, I’m going to skip the gym and go to Costco. I want to get salad stuff, lettuce, tomatoes, avocados, etc. I don’t have a big list but I’m sure it’ll add up. I might add on a few pantry items but I’ll have to see what I need. Then after Costco, we’re going to get an early lunch of some sort. Panera is always a good choice for us and I do love their broccoli cheddar soup.

I’m thrilled that trump has been indicted no matter where it ends up.Finally, something to show he’s not above the law. But regardless, I plan on doing a media break in April. Not a complete break, but very limited like reading the WP for 15 minutes in the morning and that’s it. I feel like I’m somewhat out of balance with something and feel like it might be a good place to start in limiting news, and other media things. I don’t do much with Facebook or Instagram but I still do some and I’ll cut that out too. Maybe it’s I feel out of control with what’s going on in this country, with AR, killing of children, teachers, the insane GOP esp. people like Boebart and Greene. Of course, I know I personally can’t do anything to change what’s going on but I know I am definitely affected by all this tragedy. All the Shit with trans rights, and LGBTQ stuff, book bans just sort of freaks me out. Where as a country are we headed? I know this stuff affects way more than it should so maybe stepping away from reading about will help me gain some perspective. I guess it’s worth trying.

I may also consider not blogging during that time too. April marks my 11th year blogging Tahoe Girl.