Tag Archives: SS

Thankful Thursday and a reality check.

Posted in budgets, California, cancer, Gratitude, Retirement, social security by

I’m thankful that most of the things I’ve had to deal with, like changing me to primary, have been met with support and graciousness from the customer service people. Even changing the AARP was easy enough, and they even sent a sympathy card which was very sweet. Verizon was a challenge, and I didn’t end up changing much because it started to get way too complicated.

I still need to go to the bank to take him off the account, but I will make an appointment to do that. When I talked with them yesterday, the teller was very kind and told me what I needed to bring.

I’m sure there are a few outliers that still need to be dealt with, but that can come later.

I’m so thankful my LLS is back and I can give a sigh of relief that my UHC insurance will be covered. They increased my premium because it’s only me now.

The reality check is at our ages,72 and 74, there was no life insurance, no CDs to fall back on, no IRAs, no massive savings, just SS. The reality is we were never in a position to be able to have that kind of money. We really just got by. After my myeloma diagnosis in 2005, I couldn’t work at anything major, but when I got my little library job in 2007, that boosted my SS points, and that was the reason for doing that to some extent. Besides, I loved that job.

Fortunately, even with still having a mortgage, SS was enough to get by on. The reality of losing almost 1/3 of SS is tough, but I’ve mostly figured it out, and some bills are lower. This summer we’re watering way less and don’t have a vegetable garden( Barclay was starting to go downhill in the spring), and no one felt like gardening. So our water bill is less. Ditto with our Verizon bill because I cancelled his phone. Since my son is using the truck for now, he’s giving me money for that, which helps.

Thankful for what is.

Friday Things

Posted in budgets, California, cancer, Death, frugalism, husband, peritoneal mesothelomia, Uncategorized by

I’m still processing things from Barclay’s death. It’s very weird, honestly, to be the person left to keep on going. I take some comfort in that he lived a good life and got to be 74, almost 75. Look at those poor kids in the Texas flood who didn’t get past 10. Very sad. The last year has been so hard watching his decline, and the last 3 months were pretty awful. He really didn’t have a chance with peritoneal mesothelioma. It’s just one of those cancers that you don’t get over and go into remission. I got the letter already from SS, which I’m happy about, so I don’t have to go into the office. I’m losing over $1000 a month, so quite a hit. I’m sure there will be ways to figure it out. I cancelled his UHC, so that and his Medicare covers almost $500. Insurance is outrageous. The rest, I don’t know. I do plan on selling the Triumph in a few months, so that will, if it sells, generate a few dollars. The totally weird thing was when I called Allstate to take him off as a driver, she said our insurance WILL GO UP ANOTHER $125. WYF??? After talking to our local agent, she got it to go up only $65, so half. The issue is his good driver discount being taken off. JFC, really? Oh well, done is done.

I’ve gotten through most of my list of things to do. There’s still the bank where I need to take him off our account, but I’ll get to it eventually.

As I said, very weird to deal with this stuff. We all miss him so much.

My daughter ordered this from Shutterfly. We hung it out on the upper patio where he spent the last 4 months of his life sitting when the weather was nice.

Frugal wise, I haven’t been spending too much. I did order a new Speedo from Amazon on Prime since I need a new one. I go through a swimsuit about once a year, with the chlorine from the pool. It was 30% off, so it was a good deal. I also bought some black frames for some watercolor pictures my daughter has done, and some that B did too.

I signed my daughter up as a user on my Costco card, so she went in after work and did some shopping. I appreciate the effort. Mostly it was flavored waters, olive oil, coffee, and some wild cod. She’s very susceptible to histamine attacks, so she’s been on a low-histamine diet, hence the fish purchase. The total came to a little over $100.

Our weather is very hot, and the coolers are running most of the day. If I close everything up, I can usually wait till 11 am, and I always turn them off by 8pm, even if it’s still hot out.

I started going to LLS every morning to apply for my grant, but so far, there’s no luck with funding. I’m hoping the wait isn’t too long, as I depend on that money for my insurance.

My son is using B’s truck since his car( older Subaru) is leaking oil. So he got off work early yesterday and took a load to the dump. There are still 2 more to go with metal stuff, and then the old wood from the chicken coop. It was hot yesterday, so I appreciate him doing it and getting it done. I’m pretty sure we’ll keep the truck, but unsure about Rubi. I just don’t know if I can emotionally handle going out in the RV without him. I guess I’ll just have to wait and see when the time comes, and we can plan something. My daughter has volunteered to be the driver, which she can totally handle; it’s more me dealing with it. Plus, Rubi is really designed for a couple, not 2 people. It’s one bed, and the couch does fold down, but it is very uncomfortable to sleep on. So another decision down the road.

Well, that wraps up what’s going on here.

How’s things in your world?? Summer plans?

Thankful Thursday

Posted in budgets, California, cancer, cash envelopes, Gratitude, Myeloma by

It’s a chilly morning here in N. Ca. I hope the fires are under control in SoCal. what a thing to go through. We live in a high fire danger area and so many insurance companies have dropped policies. What is going to happen with the cost of policies now? I’m sure everyone’s is going up.

I’m thankful for a warm house and we have enough wood to get through. I think next year ( this coming winter) we’ll need to buy wood. I don’t see B getting the wood splitter going and going to get wood. We could take some more small oaks down in the woods, so maybe that’ll happen.

I’m thankful we’ve all been healthy( of course that is somewhat relative with cancer) but still no colds or flu here. Although I do have some sinus stuff going on but hopefully that’s just seasonal stuff.

I’m thankful, as always, that we can pay our bills with our SS. We don’t have ‘extra’ but we have enough! Of course, I’d love to re do the kitchen and fix our foundation but it is what it is.

Speaking of money, I’m very grateful to LLS that gives me a grant for Myeloma and pays my insurance. Without that, we would be struggling. Insurance adds up.

I’m thankful for this time in my life. It is hard getting older. It is a gift though to reach 72. Lots of people don’t. So I try to do the best I can and I’m thankful for that.

The VW should be done today or tomorrow. The mechanic said it needed lots of things fixed, hmm, yes, we know that) but we said just do the starter, battery, and an oil change. It’ll come in @ $ 1200 I think. I have $300 in my auto repair envelope and then I’ll put the rest on my card. Not ideal but needs must.

I plan on going to the gym this morning. Then we have the video visit with Stanford. Plus I’m soaking pinto beans to can so I’ll try and get the canner going after I get home.

Thankful Thursday

Posted in budgets, Gratitude, Walking by

Our weather has been perfect. We sat outside last evening, had a fire, and enjoyed not being chased in by mosquitoes.

The truck’s AC is fixed and we’re picking it up this morning.

My VW’s AC works great and is original to the car ( 2000). I went into town yesterday to drop off the red Fiesta Ware and it was warmish out so I turned on the AC to check it out.

That we had a lovely walk this morning with no one there.

I made homemade yogurt and it came out great. I tried a new method that a You tuber showed with it being made in a ball jar. Heating up the milk to 180 took the longest. Then cooling to 115. Then put it in the oven with the light on. I didn’t think the oven would work but it stayed a nice warm temperature.

I’m thankful our SS came in as next month is a ??? Since that’s our only source of income it could be worrying but I’m not going to worry. It’s out of my control.

Things to think about for 2020

Posted in budgeting, budgets, Flylady, GoFundME, home improvement, home stuff, social security, Uncategorized by

I don’t do goals so much anymore and I try to avoid putting myself in the position of expectation on myself. I do like lists of things that I would like to do or things that need to be done.

I like Flylady as it gives me a focus on weekly chores.  And I like grocery lists and menus. I also like budgeting and do that daily and weekly and monthly. I also have annual bills tallied. ( This might be the challenging area once were on SS solely).

Now that SDI is ending money will be different.  I have saved as much as I felt I could but there were some big expenses in 2019. We had over $6000 in medical bills. The trees were almost $5000. Plus travel and other expenses during B’s transplant. We were very blessed to have the GoFundMe account which covered Kiwanis’ house for 3 weeks and other expenses.

Overall, financially, 2019 was good. We didn’t rack up any CC debt related to medical bills or anything related to the transplant. I used CC to pay things but was able to pay in a timely manner.

In 2020 we will need to be ultra frugal as there won’t be bonuses, or extra money coming in. Honestly, I ‘m not sure how it will play out but it will one way or the other.

We’d still like to take down the big tree in the back of the house and that will be upwards of $5,000 as it will need a big crane. the other big thing will be, do we want to redo the bathroom so it is ‘age ‘friendly. We plan on staying here so a walk-in shower seems prudent.

I’m also figuring that I’ll be starting Velcade sometime in the next 6 months so that’s weekly trips to Sacramento. Lots to think about.