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Archive for October, 2015

Have I crossed the line?

October 31st, 2015 at 06:09 pm

My husband and I were invited to a Sweet Sixteen in a semi fancy place. It's for the daughter of a high school friend. In high school were best of friends but then we kind of lost touch with each other but remain friendly throughout the years. I am still very fond of her and her daughter (her husband not so much). Anyway, this festivity will cost us around $200 (all together) since we have to either dress in all black or wear Halloween costumes and, of course, we have to buy a gift (around $100). I turned down the invitation and this is where maybe I have cross the line between being frugal to cheap. We certainly have the money in savings that is geared towards a retirement home purchase in about seven years or so. It takes us about a day to make $200 and lots of frugal efforts to put it away since we are cash flowing $7K every 5 months for our son's college education. Living in New Jersey (high cost of living) does not help our efforts a lot but we make our savings happen. I will, at a later time, make sure to drop off a birthday card with a gift card. Was I wrong to turn down the invite? As a disclaimer, I don't think I would have enjoyed this event that much. Their circle of friends are not my cup of tea. I don't want to be cheap and I feel a little guilty.

Need a recipe

October 29th, 2015 at 09:50 pm

I have six small green apples no one is eating. Does anyone have a dessert recipe I can make with the apples?

Three days in a row

October 27th, 2015 at 11:37 pm

I cannot claim victory yet but I created a weekly menu for this week and I've been able to stick to it since Sunday. I've been so tempted to visit our local pizzeria or stop at a fast food restaurant after work but I've resisted.

I have a new blog I follow religiously and sometimes I wish she would blog daily. Her blogs seem to post every two days. The website is called frugalwoods.com. I feel so inspired by this couple. I love it.

I wish we could bring our bills down enough to be covered by hubby's income and stash mine. The numbers don't lie and it is impossible to do that with his income alone due to high car insurance policies and heating oil bills. I am tempted to ask hubby about getting rid of the cable/landline/internet services but I somehow know that he will not go for it. The guy loves his TV time! November will be a tough month for savings. Property taxes are due no later than November 12th and homeowners insurance is up for renewal :/ I hate when I can't meet the savings goal for the month.

On another note, I ended it up working the extra hour each day after work supervising Homework Club. I didn't want to but the principal was practically begging for people to sign up to work the extra hour and I was not about to pass that up if no one else wanted it. At $30 an hour, no way!

I hope your week is going well!

The dog and updates

October 26th, 2015 at 12:49 am

My fur baby is doing much better. He seems to be responding to the antibiotics and the joint supplement. I hope the Lyme goes away completely.

I managed to spend a lot of money on food and other needed household and personal items. Today, I tried to rectify the money pitfall a little by cutting my hubby's hair and planning a meal menu for this week. We should have enough snacks for at least a month and food for at least two weeks. Some of the money was spent on the new bathroom accessories and vanity mirror. I still have to buy curtains for both bathrooms.

Well this is all the update I have for you this week. Have a great work week.

$367 but worth it

October 19th, 2015 at 10:08 pm

My dog Leo was limping the other day but it went away. I thought that he hurt himself, but today he woke up and could barely walk. I took him to the vet and to make a long story short he has Lyme Disease. He is a three year old dog walking like a senior dog. Frown
He is on an antibiotics and a daily supplement to help him with his joints. I have to take a urine sample to make sure the disease has not affected the kidneys. I'm so upset and I really hope he gets better soon. I love my fur baby so much.

A little update

October 18th, 2015 at 05:41 pm

Well my Mom returned home last night after a 5 week stay with us. We are all missing her, even our dog. It is getting way to cold in my neck of the woods and she'd rather be in the sunny and warm Caribbean pastures. (don't blame her). I went for a long and enjoyable walk today with my fur baby. October is one of my favorite months of the year.

Today is hubby's b-day and at first we thought we would take him out to eat but today I decided to prepare a nice dinner for him and velvet cake with cream cheese frosting. Quite honestly, my husband hates eating out and he tends to be a tough critic of outside meals. We have his mother (RIP) to blame and I guess me for that. He loves my cooking! Needless to say I will be a frugal and nice birthday. We got a case a Heineken beer as birthday gift. He is a simple man!

I hope to be at 1/4 of the way to meeting our Career Change/Emergency Fund goal by the end of December. I also hope to be at $36K by the end of June. Let's see what happens.

That's it for now, I hope you have a restful Sunday and a frugal work week.

Check book swept!

October 13th, 2015 at 07:06 pm

I swept $450 from the checking account to the Career Change and Emergency Fund and my son paid me his $100 monthly contribution to the auto insurance policy. Pay day is on Thursday and I'm overly anxious to put money aside for this fund. I know it is going to take me quite a few years to reach the $100K mark but I'll just have to be patient. Maybe, I'll get lucky and hit the lottery (wishful thinking!)

A name change

October 12th, 2015 at 12:04 am

I'd been married for almost 26 years. Fortunately, we adore one another and pray for many more. However, I must admit that I have one regret. The regret is that I never wanted to change my last name but instead I wanted to keep my last name and hyphenate it with my husband's. I decided against it back then because I thought it would be too much for my boys. After all I'm not Mr. A.'s daughter and I felt that I lost my identity. Petty for most but important to me. Well my boys are now young adults and now I would now like to change my name by hyphenating it. My husband is fine with it. Does anyone now what the steps are to this? Is it expensive?

A friend's bad news

October 6th, 2015 at 11:29 pm

I received a text message from a good friend of mine asking for prayers because she lost her job yesterday. My friend is a single mom, paying a mortgage and doing it all on her own. She is a fighter and keeping a positive upbeat. Of course, I offer to be there for her but this event got me thinking. I know what it is to income but our situation is different since we are two income household but it's still shocking. I decided that I will stop complaining about my job and adopt an attitude of gratitude. It doesn't change my desire to try to do something else down the line. It also solidifies the need to really beef up savings. Bottom line, we need to keep a year's worth of expenses in the bank.

Extra Savings

October 5th, 2015 at 11:50 pm

I managed to deposit an extra $260 to the "Career Change Fund". $200 of it came from our Cable/phone/internet provider. They refunded us the $200 disconnect fee from our previous provider. I'd been really diligent about money and I am gazelle intense about this. I just redeemed my Swagbucks for a $15 Amazon gift card.

I also want to tell you what I heard a student say today. The book fair is being held at our school this week and we were talking about it in class. He said, "I am really excited to go to the book fair because he managed to save $2.20 of his own money to buy a book. I told him that since he managed to save $2.20 that I was going to match his savings because I was proud of his efforts. I actually gave his homeroom teacher $5 for him to use. I think he can get a nice book with $7.20 Smile

September Snowflakes

October 2nd, 2015 at 01:29 pm

$13 in credit card rewards. I suspect these will go down eventually as I am reducing credit card drastically.
Smile