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Archive for November, 2015

Frugal Weirdness

November 25th, 2015 at 04:19 pm

OK, so I get it, I am a frugal weirdo and I am going to tell you why. Yesterday, I stopped by cousins house to drop off something. My cousin was busy cleaning her kitchen and as she was washing some pots she walked away from the sink with the faucet wide open. She did this three times in the 10 minutes I was there. I wanted to shut the water off so badly and all I could think about was the money going down the drain. Mind you, I know I should've been worried about the waste of one of the most precious resources. I really had to hold myself back to not act upon my natural impulses.

Have you ever cringe at the wasteful habits of other people?

Planning stages

November 22nd, 2015 at 06:50 am

Hubby and I are going to begin our search for a retirement home in late March. We decided that we will most likely retire in our parents' hometown and where I grew up until I was 12 years old. Our budget is not the greatest but we hope to stay at or under $100K, but we are willing to spend a bit more for a place closer to the beach. We are also planning on installing solar panels but not the ones companies offer (electricity rates are super high there). We want to be completely off the grid when it comes to powering the home. We will also have to attach a water cistern to the home just in case there are water shortages.

As for income, my husband's state pension will cover our living expenses there. As for our home in NJ, we plan to rent it for a while. We anticipate to have a $1,300.00 left over every month after property taxes and insurance policy are paid. We will also have a reserve just in case it becomes vacant or we have to do any repairs. Our sons will remain here and I know we can count on them to collect the rent and maintain it.

We will have to cover all our bases before we make the move.

Any herbalists here?

November 18th, 2015 at 10:02 am

I am going to try a new herbal remedy to my sleeping problems (other than taking a Tylenol PM). It entails steeping lavender, valerian root, chamomile and a mandarin peel. I have read that the valerian root smells tremendously horrible before steeping. Does anybody know a replacement her that has the same sleeping effect of the valerian root?

Made it!

November 17th, 2015 at 09:16 am

I have saved $25K, which represents one quarter of my Career change/Emergency fund. I'm now ready to begin reaching the $50K mark. :/ Oh boy...let's see how long this takes!

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On another note, I was set to buy the Thanksgiving turkey at Aldis for a $1.19 a pound, but I decided to check Costco and sure enough, .99 a pound. I braved the Costco lines and got a 23 pound bird. Yum, cannot wait!

Preparing

November 13th, 2015 at 10:02 am

for the upcoming holiday season as of today. I will pick up the turkey at Aldis on my way home from work. It is the most inexpensive place to buy it at $1.19 a pound. I'm getting a big bird even though it's just the four of us and my sister. I'll use the remaining meat for soups, sandwiches and other meals. I will make a quick stop at Applebee's to buy the first of two gift cards for DS#2 (Christmas present). I don't feel comfortable buying just one gift card with a big amount of money since my DS is notorious for losing things. He is always there for half price apps after 10:00 p.m.

I am hoping to go to the movie theater with my hubby to see the movie, "The 33". This is the movie about the Chilean miners who were trapped in a mine for over a month or close to a month and all survived. Antonio Banderas is starring in the movie and I really like him. I have a gift card that should cover the movie tickets and our snacks.

I am so close...

November 12th, 2015 at 05:01 pm

to reaching the $25K mark of the Career Change and Emergency Fund goal. I'm short by $208; I'm so close, I can almost taste it! Let's see if I can meet the goal before the November 30th pay period. I'd been pushing hard to fund my retirement accounts. The 403B is on auto pilot with automatic deductions through payroll and the Roth IRA is funded by the motivation to make a career change sooner than later. Total monthly contribution to retirement funds amount close to $1K. I'm so excited about it!


((Hugs)) to SA Bloggers whom have lost a family member or are going through some rather difficult times in their life.