Simple Sunday

Well, after a whirlwind Saturday,cleaning ,do camp laundry, shopping for a few things at our local Holiday Market, today, I’m still cleaning.  It’s catch up. I’m making a loaf of bread too and planning our meals this week.

Everyone should be back home today from camping. My son goes back to work today and B has to work tomorrow. Also, my daughter heads back up to Truckee to the library. I have a load to take to Goodwill express today or tomorrow. Plus, if I need to pick up any groceries. Mostly, I think we have enough stuff. the garden is giving us some tomatoes but not enough to really freeze a lot so I may call a local produce shop to see if I can buy some ‘uglies’. These are the tomatoes not pretty enough to sell but great to can.

Good news/ bad news on the refi.  Somehow the people working on the refi got canned or left, so the loan having sat out in limbo for so long isn’t valid. But the good news is ,after finally speaking with someone,the rate will go down slightly and that means the payment will too.  I wish we didn’t have to do this but with the interest rate going up in October and considering retirement numbers we don’t have  a choice if we want to remain here. We do want to stay in our little house.  There’s not a lot of places we feel drawn to and where we do (Capitola) we would never be able to afford.  So, I think this is a good move for us.

I guess hindsight is 100% accurate since what has happened , happened. I certainly would do things way more frugally. Anyway, done is done.

It’s hot here again and our pool is a green liquid.  So no jumping in the pool….

Well, off to switch laundry and finish the kitchen.

Thursday Budget stuff

IMG_0009Before June budget stuff here’s a picture of Donner Lake.IMG_0014And here’s another. It’s very warm here in Northern California with not a lot of change over the next week. Tomorrow and Saturday are even hotter. So we will need to put in our window air conditioners. This will raise our electric bill but it’s too hot not too use them.

Yesterday’s doctor visit was quite good. We decided not to do a maintenance of every 2 weeks for now. Also, I won’t see him for 2 months but will get monthly labs to see what’s going on.  I’m sure this is a gamble but I think if I have the chance to be drug-free for a short while it will be worth it. I still have 3 Velcade shots so not till July. I’m feeling positive about my decision though. My numbers have never increased radically and hopefully this  will stay the same so future relapse will show it self early on.

Onward to the budget. June is still starting out at a deficit so I will need to transfer a little money to cover a few things. But overall our June budget should show that we need $700 less due to a few things.  I’m hoping the numbers even out by B’s first paycheck of the month. Electric has gone down, but we’re on the balance pay program so it’s balanced based on the year so it’s still at $200. But that should drop once it gets recalibrated.

Also, school money won’t be going out and a few other things will drop too. July will even be better when the Harp refi takes effect ( I hope).  this was of course, a tough decision but with the increased % by October under the previous modification we really don’t have a choice. After much thinking and discussion, the way I have come to see this: we don’t want to move, we will never pay off the mortgage in retirement, so we need to look at getting the mortgage to be an amount that is like a ‘rent’. This refi will do that so I’m pleased with that. When one of us goes to the great beyond then that other person can decide to sell or stay. Unfortunately with my diagnosis, I can’t get life insurance, but many years ago B had me get life insurance ( a small amount ) thru his work. But it would be enough to help. One thing I am concerned about and maybe someone knows the answer to this.. Is when B retires from this company would my life insurance policy just stop? Or would we be able to keep it and keep paying on it?? does anyone know the answer to this?

Well, dinner is crockpot Thursday chicken. Since I’m on dex today, that’s a good thing as I don’t feel much like cooking.

Speaking of cooking, I’m reading the new Ruth Reichel’s book,My Kitchen year  it is so great. I’d highly recommend it.  Of course, I don’t think she would consider crockpot chicken, but then again she’s not on dexamethasone.