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Archive for February, 2015

Seasonal allergies already?

February 28th, 2015 at 06:26 pm

Itchy, teary, burning eyes today and I could not wait to get home to take off my contact lenses. I felt a little relief but the symptoms continued. I am also feeling a little stuffy; I think that seasonal allergies are starting a lot earlier this year and we still have three weeks until Spring arrives. Is anyone else experiencing the same? I took a Benadryl and tomorrow I will start a Claritin D regimen and use the Nasonex.

Pay day update

February 27th, 2015 at 06:31 am

Today is payday and this morning I transferred money to the EF and other funds. I am pleased to say that we are on our second month of living on 40% (bills and a bit of entertainment) of our income and saving the rest. We can do this now that there is no mortgage (for the newbies) and by following somewhat of a budget.

Now about the budget... we are over again on the miscellaneous category (credit card payments, eating out, clothing and extras). I up the allotted amount for this category but not by much. I don't want to up it too much. On the other hand we had a little surplus on other categories but not really substantial.

Well this is all I have to report for now; hoping for a break on this extreme frigid weather soon. Have a good weekend.

A good mail day!

February 24th, 2015 at 05:26 am

We finally received a check for the remaining mortgage escrow balance. I paid our quarterly property taxes with that money and still had a substantial amount of money left to put into our savings. We also received a check from Lowe's for overpayment of our kitchen appliances; that's going to the Emergency Fund. Lastly, American Express sent us a reward check to be redeemed at Costco for cash or apply towards purchases. I will put that money towards the "grocery" category for the March budget. In all, a good mail day.

It is super cold in my neck of the woods but on a happy note, today is our 25th Wedding Anniversary! Have a good day.

Contributions Up.

February 20th, 2015 at 11:07 am

Today, AXA Equitable's representative visited my workplace so I decide to up the monthly contributions to my 403B. I am now contributing an additional $100 making a total monthly contribution of $500. I really should contribute the full amount to my Roth IRA first but I always have trouble because if I fall short of cash for any reason, I stop the electronic contribution for the IRA. The contributions for the 403B comes right out of my paycheck so I really don't miss the money. As of now, I am contributing $600 monthly to two retirement accounts. Additional money is going to the state pension. I want to contribute more, but we really need to beef up the emergency fund.

One more week 'til payday and we are on track to have a second month living on one income. Nothing exciting planned for the weekend. I am basically staying indoors; this winter is getting the best of me already. I need spring to come!

May you all have a wonderful weekend.

Payday update

February 13th, 2015 at 03:29 pm

It was pay day yesterday and I'm happy to report that things are going according to plan. We are shooting for another month of putting away my hubby's income and living off of mine. Tomorrow I am making a deposit to the 52 Weeks Savings Challenge (backwards). The miscellaneous budget category is already in the red but not by much.
It is nice that we don't have to pay a car insurance premium payment this month. Our car insurance is the highest monthly bill in our budget, even more than our property taxes. We do have five cars insured; four of them with full coverage and one "youthful" driver. That's the word the use to describe having my soon-to-be 21 year old insured in our policy. DS#1 pays his entire portion of the car insurance and DS#2 pays half of his portion.

On another note, I requested a refund on a credit we have on our Lowe's credit card. The credit is because we ended it up getting a less expensive refrigerator after we returned the original because it not fit through our doorways. I will add that money to our savings account.

Well, this is my financial update. I hope you all have a great Valentine's Day and for those of you in the Northeastern part of the U.S. bundle up/keep warm.

Found them!

February 11th, 2015 at 03:43 pm

Guess what? Hubby found my lost boxes of contact lenses! Just as I asked him to call Costco to see if they would order an additional two boxes for me. He decided to look in the laundry basket and there they were. Apparently I put them there when I bought the empty basket upstairs. I'm so happy; I really lost hope of finding them after a few days. $117 saved!

We were supposed to have the day off Friday but the school district where I teach gave us the option to work half day to make up for the one too many snow days school was cancelled. The district allows for three snow days, any extras have to be made up to comply with the state's requirements of school days. I'm fine with it since I really don't want our spring break taken away. We are, however, off on Monday. Looking forward to the day off.

On another note, I did receive the free round trip bus tickets to New York City I mentioned in a previous post today in the mail. Woot, woot! It's been a good day today; free bus tickets and contacts found.

A little aggravated :(

February 9th, 2015 at 05:19 am

I ordered six months of contact lenses (2 boxes) at a cost of $115. My hubby picked them up for me, gave them to me and now I can't find them. This is my last 2 boxes under the current prescription. I'm aggravated because I will have to go back to the eye doctor to see if he will give me another prescription and because I will have to spend more money on contacts. This will cause our household budget to be in the red this month one one of the categories. Oh well... life goes on.

Anyway, our 25th wedding anniversary is coming up in two weeks and I have a birthday boy next month. My baby will be 21 years old! I ordered a hoodie and a winter hat with a pom of the university he is now attending. In all I spent $80.

I hope you all have a good week.