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Archive for September, 2016

Pay Day

September 30th, 2016 at 01:46 am

It's payday tomorrow. / I already set up a contribution to my Roth IRA for $450, this is money left over in the checking account from the previous pay check. I have $3,250 left to contribute until April. Total monthly contributions to Retirement funds this month is $1,350 (remember I am playing catch up with retirement). I'm also depositing some money to the savings account and allotting extra funds to go to the HELOC. I'm purchasing a couple of gift cards for Christmas, some food items and dog food.

I'll write about September's budget tomorrow when I record some purchases on the spreadsheet.

Big Budget Bust

September 24th, 2016 at 02:35 am

My dog Leo has been scratching his ears a lot lately and last week when I took him to the groomer she called me to tell me he was ready to be picked up and that she thought he might have two ear infections. I waited out and after he continue scratching so much, I made an appointment to take him to the vet. The groomer happened to be right. Lots of gunk in both ears and allergies. The damage for visit, ear washing and medicine $247 and to top it all off, I just gave him the last of the tick and flea prevention and heart worm chewable so another $140 went for the next six months of both of these prevention treatment. I also put him on a gluten free diet $21 for a 5 pound bag and $40 for grooming. The vet said I was basically wasting my time on the gluten free dog food. So I will stop that as soon as the remaining portion is gone. He is also on a daily pill of Benadryl to control the itching. Needless to say, canine care has been pretty hefty this month. I am happy that I can afford to take her of his needs; I would not commit to having a dog if I could not care for it the right way. Besides he is the cutest thing ever and I so love him.

On another note, I just canned three jars of homegrown tomatoes and two pints of applesauce. I'm waiting for the rest of the tomatoes to ripen to do more canning. My tomatoes produced over 50 tomatoes. The pepper plants not so much! Frown

I will be baking this weekend. Pumpkin chocolate chip muffins and banana nut muffins. Welcome Autumn!!!!

September, Week #3

September 21st, 2016 at 03:13 pm

September Week #3 September 14-21

Expenditures (under miscellaneous category in our budget)

$293.00, a good portion ($143) of it was for a one way airfare for my Mom to visit. She always offers to give me the money back but I never take her money.

$90.00 for an extra 3 hours of extracurricular work .

I'm doing much better on the eating out category. Last Friday, it was my turn to pay for our "eating out" day and Saturday DS#1 treated us because we helped him move.

ABOUT THE HELOC: (money borrowed for down payment on an investment property which will be used in our retirement)

We paid $300 towards the principal of this loan this week.

ABOUT THE INVESTMENT PROPERTY SLUSH FUND: Goal is to have $8K in that fund for repairs or any unexpected events.

We contributed $750 to this fund and it sits at $4,017.00

In my next post I will reveal our plans for retirement for husband and semi-retirement for me.

Just thought of #20 on My List

September 18th, 2016 at 02:48 am

#20 I love to watch the Alaska shows on the Discovery Channel (Alaska the Last Frontier, Alaska Bush People, The Last Alaskans, etc.

My list

September 17th, 2016 at 01:52 am

19 things about me! I tried hard to get to 20 but I could not come up with #20. Smile

1. I've been blogging here since 2008
2. I am the fourth child of seven children
3. I am the youngest of the girls in my family
4. I grew up in a Caribbean island
5. English is not my first language
6. My grandfather was an American soldier stationed in an Air Force base in the Caribbean.
7. I've never met anyone in my American grandfather's family.
8. I married at 20 years old and I've been married for 26 years.
9. I'm a teacher by profession.
10. I suffer from Seasonal Affective Disorder during the winter.
11. I don't like to cook but I've been told that I'm a good cook.
12. I've struggled with weigh issues all of my life.
13. I love dogs.
14. I have two sons.
15. I can't function in unorganized spaces and my home is clean and organized most of the time.
16. I am Catholic even though my parents were not.
17. I am a loyal to my family and friends.
18. Growing up we were very poor and there were times when we went without gifts for Christmas, which in my opinion is a very painful experience for a child that can't see passed the true meaning of Christmas.
19. I can't stand olives, I tried them and I gagged so badly (you know what happened after that).


End of the week update

September 16th, 2016 at 12:57 am

Third week of September started with a no spend day.Today is also pay day for both of us. I contributed $350 to my 403B at work, $650 to the Investment Property Slush Fund and $200 in the HELOC. We had $430 leftover in the checking account so I swept half of that to the slush fund and the other half to the Roth IRA. I need to go grocery shopping this weekend for sure. Car insurance policy payment will begin again after a few months of no payments and that will take a big chunk of money for now on until January. Then we get a couple of months of no payment to resume again in March.

I have a $25 gift card from B&N that I received from my BFF for my birthday and I think I'll use this weekend. Going apple picking in two weeks. My garden has blessed me with many tomatoes and I just harvested what I think will be the last big pick. I found a humongous caterpillar looking bug (tobacco something). It feasted on two of my tomatoes so I decided to pick the big ones although many of them were green. I'll just let them ripen inside. Those will be canned for future meals.



On another note, I am making $50.00 less per pay period. We are now paying 25% of our health benefits and next year will be 33%. I'm not complaining; I have excellent benefits.

Well this is it; have a great and frugal weekend.




September, Week 2

September 14th, 2016 at 10:41 pm

September 7th-14th

The total money output was
$274.20
- 80.00 Hubby side hustle snowflakes
_______
194.20

$130 of it went to buying split and seasoned firewood in anticipation to the colder weather. We are hoping to use the wood burning stove to keep the house toasty in the fall and economize on house heating oil.

We've done exceptionally well in the eating out category. I think that preparing certain foods ahead of time during the weekend has help me fight the urge to eat out even though I'm exhausted when I get home.

Hubby's side hustle will die down quite a bit unless he gets leaf removal jobs this fall. I'm making up for that by working an extra hour during the work week as a homework club advisor. At $30 an hour, I just can't refuse it. We are now paying 25% of our health benefits so we also have to compensate for the loss of income. I've also met/surpassed my goal of achieving 10,000 steps a day this whole week except for today. I'm not feeling to well today. My Fitbit keeps me motivated!

Please know that I am sending positive vibes and prayers to all of the SA bloggers who are going through difficult times (job loss, health issues, etc.)

September, Week 1

September 7th, 2016 at 09:11 pm

This is what we spent this week:

$246.54

Cash snowflakes:

$130.00 Husband's side job (seasonal)

Out-of-pocket expense was a total of $116.54

$79 of the expenses were fees related to going back to work for me; $50 for Staff Club, $17 for water club and $12 for PTA dues. Technically, I can turn down all of them but I choose not too.

I'd been using my Fitbit every day and I like that I've been more mindful of getting my steps in and being more active. Eight more day 'till payday.

Wish me luck tomorrow, it's the first day of school for students.

Tires and a little more

September 4th, 2016 at 04:29 pm

Yesterday, we spend a lot of money but mostly due to having to replace four tires on hubby's truck. He searched and search for used but in good condition but he was never able to find them. We ended up at Firestone after wheeling and dealing (hubby has the gift of gab), we spent $480 for tires and mounting. They later called hubby to tell him that he needed brakes and wheel alignment, but little do they know that my husband is mechanically inclined and can do the brakes himself,which he was aware of the need. As for the wheel alignment my husband said that the truck needs no alignment. I guess it's a tactic the company used to have people spend more. We spent $55 at Aldi but DS#2 had given me $50 for food and hubby made $30 mowing a small lawn, so that expense was pretty much a wash.

Well, that's it for today. I hope you all have a great Labor Day.

Dental savings

September 1st, 2016 at 06:23 pm

I had a dentist visit today to get a porcelain crown put in. It was a replacement for work done about 10 years ago. While there, I also got my 6 months cleaning done. I'm lucky that my son works there and as a courtesy, they take what the insurance pays or just lab fees for any other work. I asked my son what the lab fee was for porcelain crown (absolutely no metal in my crown) and he said that it's $156 but that it would have cost the insurance and I five or six times more for the crown proceedure had he not work there. Insurance covers 50% so I'd would have to pay about $700 of the total dental work. As a token of my appreciation, I make baked goods for the office every time I visit. I feel grateful and blessed.

The first of the month began with expenditures of $3.75 for food after the dentist visit. They were running a bit behind so I was starved when I left the office. Tomorrow, I will be in search of gluten free dog food because my poor guy suffers from allergies. I may have to up the pet care category depending on how much this new food costs. I don't mind; the cost to care for him does not compare to the joy he brings.

I'm off to work on Tuesday; it's been over two months but it is time to earn my keep and continue to work on financial future goals. I can't do that if I don't work.

I have a pot of chili in the crock pot on this rainy and gloomy day.