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Archive for January, 2017

UFM and updates

January 29th, 2017 at 01:28 pm

I am closing the books on January today. I expect not to have any expenses for the next two days. I went over on the budget on groceries (-$58.38), gasoline ($7.08), and heating oil ($22.37). I'm not mad about it because there is a surplus on several of the other categories to offset the negative amounts. On the savings category, we also had a great month and I will continue the Uber Frugal Challenge next month. It is our 27th wedding anniversary next month but I have that covered with a movie and dinner using gift cards from credit card rewards.

My Seasonal Affective Disorder has been much under control. I've been using light therapy and a low dose of the medication. I also try to take advantage of the sunshine by seating outside whenever I can. I'm still counting the day 'till Spring.

I hope you had a good month.

CC rewards and other stuff

January 19th, 2017 at 05:24 pm

Inevitably and as expected, home heating oil was ordered at $2.019 a gallon. The tank tapped at 209 gallons but it's been 40 days since we last ordered oil. I'm thanking Mother Nature for temperatures in the 40s this week and apparently into the next.

(Warning: Not money related)
Even with unseasonable weather, my Seasonal Affective Disorder has affected my mood tremendously. I thought I could survive this without medication, but I'm afraid I cannot. I am headed to the doctor's office for help tomorrow. I can honestly say that I don't recall being happy during the months of January and February since early adolescent. I feel that it's getting worst as I age, which is the reason we will not be able to stay in New Jersey much longer. I am just so very sad in the winter months and tired of it.

On another note, I've managed to earn $165 in gift cards this month without costing us a penny. We just charge our monthly bills (the ones we can charge) and pay them off at the end of the month. I used the gift cards to go on monthly dates with my hubby.

UFM Challenge Update: 12 days of no spending so far

UFM and date night

January 14th, 2017 at 03:29 pm

We've had 10 No spend days (whatsoever)but yesterday I had a weak moment and ate out ($8). The food was mediocre and I was regretting my decision almost immediately Frown. Oh well..done and over with.

Hubby and I went out today to see the movie Hidden Figures. What a powerful movie! We went to Applebees after the movie (date night). No money spent. I used 2 AMC Theaters gift cards and 2 Applebees gift cards for dinner. I still have a balance on both cards for our next date night. It was a very nice change of pace and we enjoyed immensely. We are going to try to do the same once a month.

Watching the Seahawks vs. Falcons game.

Payday and UFM

January 12th, 2017 at 09:22 am

Somehow, someone at the board office made a mistake and we were paid two days early. I'm glad we did because the last time I received a paycheck was December 23rd.

We were able to put 55% of our net income this pay period in the bank for savings. I am really pushing to save as much as we can hoping to be able to pay cash for a house where ever we decide to move to in a few years.

The UFM challenge is going super! I believe we've had 9 days of no spending whatsoever and yesterday was the first day I spent money on groceries and gas for my SUV. I hope not to have to shop for groceries until February 1st.

Did I mention that I was gifted a treadmill for Christmas? We got on Monday and hubby put it together for me yesterday. I'm going to make a habit of using it on a regular basis. I really want to lose some weight for our Spring break vacation.
Wish me luck!

P.S. I also contributed $350 to the Roth IRA. I'm slowly getting close to funding it in full.

First week of UFM

January 8th, 2017 at 11:03 am

We ended the first week of the Uber Frugal Month Challenge with expenses of outside of our normal bills totaling $11.35 and 5 days of no spend days whatsoever. I will have to make a run to the supermarket this week to buy a few essential items we've run out of but nothing big.

It is super cold in my neck of the woods and the furnace has been going non stop so I predict a home heating oil order soon. Frown

I spend a lot time in the kitchen today and end it up making a big pot of potato soup, banana nut bread and Italian gravy (sauce) and meatballs.

On another financial news, I think we will be able to meet one of our financial goals before the anticipated set date and I'm super excited about that.

We are watching the NY Giants vs. GB Packers today. Go Giants!

UFM and Epiphany

January 5th, 2017 at 02:57 pm

Five days of No Wants, four of them with no spending whatsoever. Yesterday my hubby had a doctor's appointment with a $10 copay required and I spent $1.15 on an international stamp for a sympathy card. Yay me!

On another note, we are having a little bit of trouble with the tenants occupying the cottage on the investment property. They pay the rent but it's late all the time. I find myself shifting money to pay the mortgage on the 10th. I don't mind if they are late one or two days but we are already five days late. The tenant told my husband that she'll have it by tomorrow but I've heard that before. We've been very patient but I'm starting to get a sour taste in my mouth and very uneasy about it. Hopefully she'll have it tomorrow, if not we will be force to ask to leave.

Tomorrow is a special day because we will be celebrating the Epiphany. It is a beautiful tradition and refuse to let go of it although I've spend the majority of my life in the mainland. I bought a gift for my nephew's son since he is the only little one around us.

Besides, all of that, I'm angry about the new government ending funding to Planned Parenthood. A major setback in women's health care.

First Day

January 1st, 2017 at 05:42 pm

Happy New Year to all of you!

We took advantage of the milder weather and removed all of the Christmas outdoor decorations and stacked tons of wood on the front porch. I feel relieved that the house is free of clutter before going back to work.

Right before the Christmas break, I went to the doctor because of an achy ear. As it turns out I had an ear infection. I felt some relief but I am still having trouble with the ear. It's very itchy, it hurts and it's definitely throwing my equilibrium out of whack. If my doctor is not working tomorrow, I'll have to Urgent Care and try to take care of it. I hate feeling light headed.

I did well today on the first day of the Uber Frugal Month Challenge. No spending whatsoever today.

Well that's it for today. May you have a Healthy, Happy and Prosperous 2017.