Post by reeneejune on Sept 7, 2011 23:48:56 GMT -5
honey - it's ok if you spent a huge chunk of money at the fabric store, it's nothing to be ashamed of. We all fall off the wagon every once in a while. Though startsmart's theory of male strippers also has it's merits. ;D
I thought earlier I'd take a break and update later this evening but now I'm just so exhausted. More drama coming from the old client whose business is falling apart. It all makes me tired and drained and angry and frustrated and achy and all worked up. I wish I had a treadmill so I could go pound out my frustrations.
I definitely can't sleep though, not with all this in my head and weighing on my heart.
mizbear - blue and I don't watch NCIS. I'll add that to our series to start from the beginning, after Bones and after I get blue to watch West Wing (love that show!)
I may have shared this before, but when I was little I was a witch like three years in a row (tight budget). Then the next year my mom said I was going to be a nun (repurposing witch costume). I burst into tears because I thought I wasn't going to be dressing up - thought she said none. Whoops.
startsmart - no, the rain has impeded stump removal. He called last night and we're hoping to do it Monday assuming it doesn't continue raining nonstop.
I think yesterday was a NS - I need to start putting star stickers on a calendar again, methinks.
today was a spend day. lately, most days have been spend days but at least today's had value. i finally bought a domain name for my blog! now i just need to design the website, create (or pay someone to create or convince someone to do it for free) a logo and find a hosting plan. this is all making me very nervous.
mrslynch - yay!! I bought a domain name for my freelancing business a few weeks ago but have yet to do anything with it. I fear my web design skills are quite out of date. I do have my mom designing me a logo, but as the school year just began I don't anticipate seeing possibles for a month at least. It's exciting and nervewracking! I am using dreamhost.
Post by muttleynfelix on Sept 8, 2011 10:02:20 GMT -5
startsmart - That is a good question. I think that is one of the things we'll talk about using cash for. I guess DH and I will have to have a budget meeting this weekend and hash it out and try to figure it out. Sucks about the client. Sorry you had trouble sleeping. Hope you got some rest.
Reenee- Yeah, but I think some of my addition is wrong and I'm in a little worse shape than I think. It'll get there.
Post by shanendoah on Sept 8, 2011 10:34:52 GMT -5
mrsl: Congrats on the Domain name. I may do that for Baking Budget, but if I do, I'll probably cheat and leave it through blogger, so the name will be bakingbudget.com, but otherwise it will look exactly the same. I have friends who can do web design, but I have no idea what I'd want it to look like. Or, I might go through the same place my DH does and get a domain that I can move all of my blogs to. Hmmm, that might be an idea as my micro-fiction name is up for renewal this month... As for my comment on your daughter being your ray of sunshine, I did not express what I meant clearly. I did not mean that you depend on her for your happinesss, nor did I mean that you should tell her its her job to make you happy. I meant that you let her know her simple existence makes you happy, that no matter how sad you are, the fact that she exists brings you a ray of sunshine.
reenee: If you don't think you can have a professional conversation with the woman (and I think that would be as much on her as you) I think the letter to her and the corporate office is the way to go. Have you found out about the first money order yet? Was it cashed? If not, has the apartment complex found it? When I had a money order, they wouldn't cancel it without me being able to return it to the bank.
startsmart: rice cookers rock. There is not burning rice, no messing it up by checking on it one too many times. AND you can turn them on, go take the dogs for a walk or run errands and when you get back, viola- rice. I got my brother one a few Christmases ago (along with an electric kettle) and he later commented to someone else that the rice cooker was one of the best gifts ever.
redwagon: If you're going with costumes from Bones, go as Hodgins and Angela.
Honey: *hugs* Our wagons circle back around to pick people up all the time. Getting the new kids settled in is stressful and there are bound to be problems. You say you know why you spent the money. It doesn't matter if it seems like a silly reason or not, knowing is half the battle. Can you come up with strategies to combat spending next time you're feeling like that?
muttley: Every once in a while, I think we should start "doing" more with our money to- maybe we should put money back in Prosper, or maybe we should start investing in individual stocks (instead of just through retirement accounts) or... And some day, we'll probably be at a place where those are good ideas. But I have to remind myself that we've only been on our one income for a few months now, and that this will be the first time DH is in school full time all year. I need to be able to make it on our current budget for a while before I start planning new things to do with our money. Feeling inspired is great, but just because you're inspired, it doesn't mean its the right time to make changes. Though having some specific goals like cutting the grocery budget and making DH pay for his cigarettes out of allowance are probably a good idea. Even if you were to increase DH's allowance by a little bit to help cover the cost of cigarettes, knowing it comes out of "his" money vs the household account might help him cut back or quit.
shanen - haha I can just picture blue in a curly wig. I'm not sure I have enough cool clothes to pull of Angela. I *know* they get back together cause I saw an episode from last season at the gym, but they are just taking their sweet-a$$ time doing it! Trying not to watch too many episodes without blue but I miss it! Then I have to wait for Season six to come out on Netflix in October...
OK I'm going to try just the yearly and see how it shows up. Yearly Income Total Monthly Income $60,008.00
Expenses Taxes Total Taxes $9,631.18 16.05%
Pretax Expenses Health Ins $3,667.30 Total Pretax Expenses $3,667.30
MORTAGAGE PITI $13,800.00 23.00%
Autos Car Payment $2,828.76 4.71% Gas + Maint. $5,728.00 Taking the year so far divide by 8 times 12 Insurance $1,040.00 Total $9,596.76 15.99%
Electric $1,800.00 3.00%
Propane $1,000.00 1.67% This is higher than what we normally pay
Phone/internet Cell Phones $1,680.00 House Phone $540.00 Internet $480.00 Total $2,700.00 4.50%
TV $1,020.00 1.70%
Life Insurance Total $1,441.44 2.40%
Groceries/Household $7,716.00 12.86% This category is basically for Walmart Based year so far divide by 8 times 12 Household Projects $4,500.00 7.50% This category for lowes Based year so far divide by 8 times 12 Healthcare Prescriptions $600.00 Actual this year is like $40 total. Other $600.00 Total $1,200.00 2.00%
Pet Care $480.00 Currently on track for less than $20 a month.
Church $3,600.00 6.00% We've skipped the last 2 months trying to stay up to date on everything
Fun $2,600.00 4.33%
Retirement 1,040.00 1.73% Currently adding $10 a week to each Roth IRA
Short Term Savings $520.00 0.87% Currently adding $10 a week
Misc Gifts $660.00 Based on the last 12 months Clothes $660.00 Based year so far divide by 8 times 12 Everything Else $500.00 ?? No idea
Total $61,812.68 103.01%
One thing that jumped out at me is that if you both have cell phones you probably don't need the home phone. That would save you $45 a month or $540 a year.
While the clothing budget doesn't seem out of line you may be able to cut that down also. I spend probably less then $100 on clothes a year for our family of 6 by making do and buying at the thrift store. If we need anything I also put it on gift lists for Xmas and B-days.
It looks like you only other areas you can cut back on are satalite/TV (have you tried netflixs? We use it to stream to our TV through the Wii. For $8 a month it is great. We also have limited basic cable which I was able to get them to cut from $25 a month to $15 so we can actually watch the local stations) personal money and the grocery budget.
Speaking of which I need to cancel our home phone, although it is only $15 a month we have no need of it so we don't need to throw $180 a year away!
Went to Petsmart today. Now I need to get to Sam's and Costco sometime this week. I may be meeting my sister in that town on Sunday so I may wait until then.
Post by startsmart on Sept 8, 2011 10:50:29 GMT -5
well it took a good hour after I talked with my team leader to gain perspective, meditated and wrote for awhile before I could go to sleep. Definitely still nagging at my mind as I forbid myself from responding until later this morning.
I have a stronger mindset around it this morning because no one gets to treat me like that.
Two quotes from Eleanor Roosevelt come to mind:
Never allow a person to tell you no who doesn't have the power to say yes.
No one can make you feel inferior without your consent.
Before I go to wrangle the nieces- which may be for the last time if I get screamed at by anyone- ex-SIL in particular, or if DB decides to come over and tell me how to clean again-
Think twice before letting go of your home phone. During natural disasters although cell towers are usually dependable, sometimes landlines are less jammed because less people are using them. The day of the East Coast Earthquake, I could not get through to my DMs cell w/ my cell but could get my DGMs landline. I also made sure I have an extra 9volt for my handheld walkie again. (That day I took one out of one of the clocks
If you are not being treated with love & respect, check your "price tag". Perhaps you have marked yourself down. Its you who tell people what you're "worth" by what you accept. Get off of the "clearance rack" and get behind the glass where they keep all the "valuables"....bottom line is.... "value" yourself more..Repost if you like... You might help someone get off the clearance rack...
Post by MittenKitten on Sept 8, 2011 11:05:17 GMT -5
reenee: The letter is a great way to go. especially since you sent it to corperate AND the manager. A paper trail can be very nice. Did they find out about the money order? I would copy the receipt and send that also. Makes me glad NOT to be renting anymore!
shanen: Can you post your recipe for Curry? I want to make some and have no CLUE what to do!
dakota? Was it you with the weight loss? Great job! I am starting my weight loss challenge on Monday.
Working on cleaning out one linen closet then will move to the big one in the hallway.
Transportation for DS#2: I received the letter but no phone call back. Apparently no one else in his program has received a letter and they can't stop paying for his and no one elses. His transportation knows nothing about it either. I am going to ignore it for now and see what happens. If they continue I can move our vehicles to the company then we won't have a vehicle. I will also contact Pacer and see if they can help. They help advocate for families with disabilies.
Post by sapphire12 on Sept 8, 2011 11:19:18 GMT -5
Afternoon all -- I still feel like crap. Bad colds are worse than the flu as far as I'm concerned. I'm in the bed, but I'm not sleepy. Ah well, my body will be well rested when it decides I can breathe again.
miz -- Hugs!
moneysquirrel -- Yeah for patio furniture. Many people here woke up to their cars being under water; major streets are flooded. The school district where I live is closed today because of flooding. We've had at least 7 inches of rain from Lee in about 2 days.
health insurnace drama -- Aetna paid for my knee surgery back in July. However, they want to find someone else to pay for it. Nope. My knee injury is NOT the result of an auto accident, falling at work or on someone else's property. I went to the doctor because my knee hurt when I exercised. I saw my surgeon yesterday and asked him what percentage of his surgeries were for people like me -- healthy and active? He said 60 percent.
start -- sorry you are having difficulty with your former client. I hope it is resolved soon as not sleeping is not good for your health. I too was not able to sleep last night, but it was because of the storm.
muttley -- I agree DH's cigs should be out of his allowance, not the HH grocery budget.
muttley - I too agree that is something that should come from fun money. I think "vices" should. I buy my coffee every day from fun money!
Ugh I cannot focus today, and I am both starving and feeling slightly ill. Usually if I eat right after I take my pills I'm fine but they seem to be reacting badly today. So I ate my lunch at 11:30. Which means I'll be starving at real lunch at 1:30, which means a second lunch. I just want to be able to go home so I can work on my freelancing. I've been slacking and only putting in an hour or two a night because I've just been so tired this week, and the editor gave me the weekend to work on it since I didn't have power last week. So guess what I'll be doing all weekend?
red--thanks for the suggestion. i'll be researching hosts tonight and that one is now on my list. shanen--i'll probably also look at blogger as a host. i wanted to use dailymoneyshot.com but it was already registered so i just went with .net i tried to think of another name but it's already branded this way and some of the other variations lead to very unsavory connotaions (in other words, porn). that's actually been my one hesitation in moving to a website--i don't want all the potential links from porn websites. oh, well. i should have known something like this would happen when i picked the name. i'll probably try my hand in designing it myself. we'll see what happens. i'm waiting until i'm under 200K to fully make the switch. i was at 216,566 this morning so not too much longer! muttley--i'm going to agree with mizbear on the home phone, especially since you live so far from neighbors and you have a small child.
Post by sheilaincali on Sept 8, 2011 11:41:33 GMT -5
Muttley: I am probably the last person that should be giving advice on grocery budgets since I don't coupon either. But I have found that if I plan it right I can save some decent money without couponing but I do have to hit a few extra stores.
Once a month (on Wednesday's because I get an extra 10% off) I stop by our local Sara Lee Bread store to stock up on breads for the month. I can get the fancy 45 calorie stuff that we like for $1.75 there (it's $3.49+ at the regular store). So I get four loaves and throw three in the freezer. Buns are frequently 4 for $2.00 so I stock up on misc buns - hamburger, hot dog, hoagie, etc. So that's $9.00 less my 10% savings for $8.10 if you spend $7 or more you get a free item (I usually grab a Texas toast for French toast). So all my bread for the month is about the same as 2 loaves from the regular store. One extra stop that I make while doing my bank run - bank is 1/4 mile away.
Aldi- We stop there for our frozen veggies and that once a month. Stock up on frozen veggies, canned goods (black beans, etc), stir fry veggies, etc. Cheaper than the regular store and again- one extra trip a month.
Sam's Club- Weekly- we get milk, oj and granola bars. Monthly we get minute rice, sausage patties for breakfast, crackers, and bisquick.
Hy-Vee- weekly based on the meal plan.
It is extra trips- 2 or so extra a month but it seems to be worth it. I should admit though that my town is pretty small geographically so it's about a mile from Aldi to Sam's Club to HyVee and then 5 miles back to my house at the end of the trip.
Hy-Vee frequently has some pretty decent meat sales. We stock up depending on what's on sale that week. This week it's boneless pork chops and marinated Chicken breasts.
4/10 NSD Thanks to DH I managed another NSD. I made the kids waffles for dinner before they both needed to be at the same place at one time! Seriously! DD had her first Fall Ball game last night and she did well, not great but she is only 9 She hit, scored, made two defenses out, and closed out the game as pitcher. I can't handle the stress of her pitching. I literally have to get out of my seat and walk away. But I digress, DH made us left over steaks from our vacation, instead of taking me up on my offer to go grab us something (I know, I know)
I'll be back later. I have been on the computer updated my blog and it takes me 3x the amount of time to do so than the average person!!! Time to clean up
azmom - Props to DD!! I accidentally discovered I could pitch my fourth or fifth year playing, and I went in for one relief inning and got two strikeouts and no earned runs, but the stress of it was too much. Never pitched again, to my coach's chagrin. I felt much safer at first base lol.
Post by muttleynfelix on Sept 8, 2011 13:41:12 GMT -5
shanen - Well there is being inspired and then there is realizing (for sure not just suspecting) that you are in the red every month and for the year. I think I needed to look at it and look at the numbers. Talk to you guys, talk to YM (they are being very nice, BTW), and then sit down with DH and take all the suggestions and look at where to go from here. We've been on one income long enough and have had DS long enough that we should be back on track and we aren't. It doesn't mean we have to do anything major, but we do need to look at different things.
sapphire - All of DH's surgeries they sent a form post surgery about if it was an accident (or maybe presurgery) or work injury, etc. I think it is pretty standard, even if it is a pain.
sheila - Thanks for the ideas. Maybe I'll look at doing one trip a week here in town to one some of the grocery stores nearby. I wonder if a Sams membership would be worth it or only give us the feeling that we are liscensed to spend more. I do think I need to start picking up milk in Springfield because it is a dollar cheaper than in Republic.
azmom - Congrats to your daughter.
I promise you all I'm going to take all the ideas to DH and see what he thinks and what is on his mind. Thank you for your time and thoughts and keep them coming.
Post by shanendoah on Sept 8, 2011 13:46:21 GMT -5
mrsl: Whereas your post got me thinking- wouldn't it be nice to have all my writing projects- 3 blogs and the micro-fiction - all in one place, with one common domain name (so much easier for my writing business cards...). I asked DH to look in to what it would cost for me to get a domain with the same company his is with. I'd use my middle name (which is my user name here) or a combination for my first and middle name for the domain site and then have pages for each of the blogs. I can ask my friends where I should be looking to teach myself web design or get some help...
MK: Got the numbers. I'll get them up this afternoon. Curry recipe goes like this: Heat oil in the skillet you'll cook your chicken in Add McCormick Hot Madras Curry powder to oil (ratios should be found on the spice bottle or look online. I have no idea what they are. How much powder you use will determine your spiciness level) Cook chicken in curry When chicken is done, add 1 can coconut milk to curry (we use the light coconut milk, you can also use cream). If adding fruit (mangos for us) add it at the same time you add the cocunut milk. Reduce heat and let the fruit start to break down in the sauce. Serve over rice.
We make 6 chicken thighs at a time, so use that for scaling.
This is a yellow curry. Red curries may have different instructions. (Red curry ususally comes as a paste instead of a powder.) And what type of curry powder you use matters. We bought the CostCo giant thing of yellow curry powder thinking it would be the same- DH has used it once. I have no idea what we'll end up doing with it. There is a definite flavor difference between it and the Hot Madras.
Sorry I can't be more specific, but I'm not the cook in the family.
Post by shanendoah on Sept 8, 2011 13:50:23 GMT -5
sapphire: This is very common and while it may seem annoying to you now, its actually your friend. I know that every time I go to my doctor about an problem (vs a check up) they ask if it is workers comp or an accident. So, the reason this is your friend... If you were in an accident and had a problem getting your medical bills paid, have the hospital bill your medical insurance. It covers you, it does have to pay. But then, you have not just you, but your medical insurance's Other Policy Liability team going after the folks who really owe the money. It adds huge legal power to your side as well as a team of people who do this for a living, so have a lot more expertise in getting other companies to pay than you do on your own.
Post by startsmart on Sept 8, 2011 16:55:23 GMT -5
Yesterday was a CS, today will be a NSD if I don't leave home.
I've been watching Numbers on amazon streaming video which keeps me entertained. Also made a pasta broccoli bake for meals this weekend since my friend is no longer visiting. I was excited to go do some fun stuff and now that she can't come visit don't want to spend the money on myself. So quiet weekend at home.
Good news though, the fridge and freezer work! They're cooling down and I need to watch for a week or so to make sure nothing grows back and then I'll switch Em out. Old fridge is going to get some chalkboard paint so i can really utilize the freezer space and keep a list of what i have in stock.
Still need to finish spray painting the door knobs, polishing up faucets and painting doors and baseboards.
Post by sapphire12 on Sept 8, 2011 17:49:19 GMT -5
It's raining again. We've had 11 inches of rain. I'm ready to see the sun. Today was a NS since I've been lounging in the bed.
shan/mutt -- Thanks for your replies. I think it is common for some insurance companies to send out this questionnaire. BCBS never did. My surgeon specializes in sports medicine, so he asks me why I am there. This is the 4th knee surgery, 1st on left knee, so I can pretty much diagnose myself at this point. LOL. I asked and he told me that most of his surgeries are for healthy, active people. He also told me my injury is typical for women based on how we are built. Anyhoo, I talked to the rep this afternoon and told him, my knee hurt doing normal life things. He said Ok. My doctor is frustrated with insurance companies and he said it's only getting worse.
start -- I like Numbers. I want to watch it from the beginning.
MK -- less than $100 for clothes in a year. Wow. I spend so much more than that, but then it's part of my personality. I so get not spending a ton of money on clothes for kids.
Post by startsmart on Sept 8, 2011 18:53:15 GMT -5
sapphire- I must be a nerd because I'm halfway through the season and I've understood all of the mathematical concepts. I don't get the equations of course but all the theories are familiar. I blame Big Bang Theory ;D
Ended up being a CSD because I used my cash allowance at the Library book sale. Does anyone else read the Kathy Reichs books? Then you'll understand that I got 6 of her books with the pretty covers for 50 cents each! Love Bones and the books are so amazing.
I needed beach books that are somewhat disposable for my trip so yay! I might also take my 2010 vacation book from Scotland "The Adventures of SuperGran!" Apparently the world's favorite grandma goes to the circus
Post by MittenKitten on Sept 8, 2011 19:15:30 GMT -5
sapphire: a. I don't need a lot of nice clothes since my kids get mine dirty more often then not. b. My sister and mother buy clothes so I do get a number of their castaways c. I HATE shopping, especially for clothes as I am not real happy about the size I am at right now. (Which I am working on changing ) The main thing I have to shop for is pants, and I typically just live in Yoga pants. Oh and I am so short half the time Petites are too long! ARG!
I am so tired of the rain here in the DC area. Driving home was scary tonight. We were on a road (Telegraph from Duke under 495 for those that know the area) and one part goes over what is normally a small creek. They are doing a ton of construction in the area and every morning/evening when we drive by I can see the scaffolding they have coming up from the creek where there working on the underside of the road/bridge - but I can't actually see the creek. It is 10 to 15 ft down. As we were coming up on the area tonight I see water where I usually see scaffolding. First I think - why is there a hose running? Then I realize it is the CREEK running! The water is pouring through cracks in the Jersey barriers on the road (no quite overflowing yet) and there is 3+ inches of water! We have to keep going and make it without a problem - but by the time we get home they have closed the area. The problem is the creek doesn't drain/run well and in the past has flooded because it fills up like a ditch! I know you aren't supposed to drive through water like that and we were so relieved to get through OK. Prayers for everyone here to get through this safely.
Post by shanendoah on Sept 8, 2011 19:35:41 GMT -5
Okay, talked to DH. Here is a much more complete Mango Curry recipe This is made using 6 bone in chicken thighs. Make sure you skin the chicken (or use skinless) otherwise the fat content gets a little too high
With a burner on medium heat, add 1 tbsp of oil (we use canola or vegetable) to your frying pan. Add 1/2 tbsp of Hot Madras Curry powder (curry powder is to taste. this is what he uses. we'd like it a little stronger, but spices are expensive) Let curry powder cook in oil for 2-3 minutes - you want it a yellow brown, not a brown black (burned curry is not yummy) About 30 seconds before you add your chicken, turn the heat up to a low-high Add chicken (adjust heat as needed) Cook chicken about 5 minutes and flip, cook 5 minutes on the other side (this gives good color) Use your meat thermometer or cooking skills to determine how much longer you chicken needs to cook Once your chicken is cooked (or mostly cooked), turn the burner down to low Add 1 can coconut milk Cook for about 20 minutes. Serve over rice
OPTIONAL: While your chicken is cooking, decide how much mango you want to use (we use frozen mango). Blend half the mango and cut the other half into small chucks. When you add the coconut milk, add the mango.