muttleynfelix
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Post by muttleynfelix on Nov 18, 2011 15:58:48 GMT -5
mizbear - Hugs. Sorry for your friend and for you.
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ses
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Post by ses on Nov 18, 2011 16:02:26 GMT -5
15/30 NSD ----------------------------------------
Just got home from work and found a very guilty looking Calleigh. Couldn't figure out why, until I got to the bedroom and she was hiding under the hem of the drapes. I have a life sized stuffed teal duck a friend made for my mother that is really more a work of art than a needlecraft. The brown feathered areas are made of a brown herringbone wool and the teal head is made of a teal velvet, all of the shiny brightly colored feathered sections are worked in satin. It is beautiful, and I am not even a duck person. Anyway, this duck lives next to a basket of wood on the hearth in the livingroom---usually!
Calleigh and I have been having a battle of wills over who gets to determine where this duck should live. Last night she hauled this life sized duck (bigger than she is) from the livingroom to the bedroom, about 45 feet. I took it away from her twice and finally stuck it at the head of the bed wedged against the nightstand. I woke up to find her snuggled up with the duck, her front paws wrapped around the duck. After she went outside this morning I put the duck back in the livingroom and went to work. As I left she, slipped back inside.
Now the guilty Calleigh is hiding under the drapes and the neck and head of "her" duck are wedged under the bed where she keeps her "treasures." I pulled the duck out and decided to get a broom and go after the rest of the stuff she has hidden there. I found
five plastic straws four squeeky balls three stuffed mice two bottle caps and a hair brush I'd thought was lost.
She must be gathering gifts for her true love or getting ready for a long winters night.
ETA-- I'm still holding the the stuffed duck, much to her disgust! ----------------------------------------
QOTW: What do you need to do to end 2011 on a good financial note? 1.) Send off my LTC insurance application. (Done) 2.) Meet with my financial advisor. (Done) 3.) Set up my major saving goals for 2012. (Done) 4.) Decide which "toys" I can get in 2012. (Done--maybe) 5.) Set up 2012 spreadsheet and calendar(Started...)
COTW: Do whatever it is you noted in your question! We may still have several weeks left of this year but it's never to early to get a jump start on your planning for 2012. The really tough part of this challenge is number 4. Since I have been active on this thread, I find it very difficult to spend money--especially larger sums. The two major "toys" I am thinking about are an iPad and a Kindle. Neither are trully expensive items and I do need to join the 21st century. At least I have decided what they are and how much I need to save--the question will be can I spend the money once I have saved it!
Sheila---really good challenge!
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redwagon
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Post by redwagon on Nov 18, 2011 16:11:04 GMT -5
ses - oh, calleigh. I love your kitty stories. Reminds me of how Dax will walk around with my hairties in her mouth like they are her kittens. Cracks me up. Meanwhile, I have no hairties left, which wasn't a problem this summer but now my hair has grown long enough where I need them again. I don't even want to know where she's hiding them all...
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spruby
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Post by spruby on Nov 18, 2011 20:14:53 GMT -5
ses - yeah on the LTC and I recommend looking at the Kindle Fire (instead of an ipad). Be honest about what you will use it for - most folks I know are better off w/a laptop instead of an ipad if you need real productivity. I just got the Kindle Fire this week and *love* it. A really great way to "consume" content - books, movies, games, email, same basic note taking and web surfing. I'm still figuring stuff out - but for 200 - a great deal. DH gets one when he finishes his 50K word novel this month
mizbear - omg - how terrible - please take care of yourself
mk - glad your DS' teeth are done
lots of crazy stuff at work - i'm still processing - may share later
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spruby
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Post by spruby on Nov 18, 2011 20:26:26 GMT -5
Question - this is a serious question and am hoping for some input. We usually adopt a family for x-mas and we volunteer for a large one (8 kids this year). We end up with a list of wants/needs for each child. While we have a generous budget for this it is not unlimited.
My dilemma is how much do you buy off the list? They are allowed to list one toy (or bike), one book and clothes they need. They usually need a *lot* clothes wise - or the big things - boots, coats, etc. I;m a good shopper - but even on big discount this stuff adds up.
Recommended spend is 75 to 100 each. It would cost (on average) 300+ each to get everything. Budget is roughly 150 each. We could spend more but it delays our personal goals (wants not needs).
I'm torn - part of me says -get it all (or the max possible) and delay your goals. Another part says remember they have access to the coat drive and another toy drive and other ways they will get things - you don't *have* to get it all. - you worked hard to get here and your wants are important too.
So what would you do? Stick hard at the 150 number (or 100?) - get a book/toy and 2 pieces of clothing each? Max out? Other?
BTW - our "wants" vary - from increasing our cash reserves to maxing out 401k - not just lots of trips.
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ses
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Post by ses on Nov 18, 2011 20:57:45 GMT -5
note: Spruby--the toys I am considering are an iPod--not an iPad. (terrible typist) and I agree with you I had already decided on a Kindle fire.
Could you spend the bulk of your funds on basic durable clothes and a book or toy and maybe check out a consignment shop for kids for a less costly coat. Some of those clothes are barely worn, if at all. I admire your commitment to a project like this, says a lot about you. Good luck shopping.
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spruby
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Post by spruby on Nov 18, 2011 21:04:08 GMT -5
ses - if you get the fire you may not need an ipod - I uploaded all our music to the amazon cloud (they have a special for free storage) - and have downloaded it to the fire so I can listen to my music via headphones (if DH is around) while I read/play angry birds/etc. I like your idea - I'll have to check this weekend and see what I can find. the thing that makes this harder is we have a small window to buy everything in - so I can't maximize sales (i hate black friday excursions). What it says about me is that *my* childhood was less than ideal and if I can use $$$ to help a kid - what the heck.
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mizbear
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Post by mizbear on Nov 18, 2011 23:04:45 GMT -5
I received clothes as an adopted Christmas project for several years after my parents split. I was amazed and appreciative at how accurately things were picked for me. I have tried to do different things over the years in a similar vein- but admittedly stick to my guns about my budget. Particularly after getting sick and losing everything financially. I can't help anyone else if I am not exercising some charity at home.
I am probably going to take a few days off from the boards- my new boyfriend ended up in the hospital tonight because his "friends" pranked out his dinner (switched out his BBQ wings for super atomic wings) and made him deathly ill- he is home now resting; I found out another friend died; that's 3 deaths this week- I need a break.
And my house needs cleaning.
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redwagon
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Post by redwagon on Nov 18, 2011 23:11:08 GMT -5
more hugs for you mizbear. and as someone who has a low tolerance for spicy foods, your BF has my complete sympathy. OY!
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sbcalimom
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Post by sbcalimom on Nov 19, 2011 12:17:53 GMT -5
Update: 12 NS/CS out of 20, 13 NEOs out of 20, 7 MOANs out of 15 goal
I have been reading this month but I've been so busy with things I haven't been able to post. Things are very stressful right now and I'm hoping I can manage not to go crazy with Christmas shopping as a result.
QOTW: What do you need to do to end 2011 on a good financial note? 1)Stay within budget for Christmas - NO CHARGING 2)Figure out a plan to repay balance transfer before 0% ends 3)Stick with a reasonable amount of furniture next week in the organizing project 4) Find out details of life insurance - is it a 20 year or 30 year term and how to change beneficiaries
COTW: Do whatever it is you noted in your question! We may still have several weeks left of this year but it's never to early to get a jump start on your planning for 2012. Boo...I don't want to think about next year but I will. I need to do the following. 1) Be sure to finish up the will, POA, and health care directives in January 2) Finalize life insurance decisions and follow through 3) Reassess budget and update phone, food figures. See if any cuts or adjustments are needed 4) Come up with a buying plan for toys and clothes for the girls that both DH and I can live with.
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muttleynfelix
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Post by muttleynfelix on Nov 19, 2011 20:48:09 GMT -5
spurdy - I would try to stick to your budget as much as possible. I comparison shop online as much as possible. I admire you for taking on such a large family. So half of the busy weekend is over. DH and I were up at 5 (I didn't need to be up that early, but DH needs about 2 hrs to get his rear out of the house in the morning)...DS woke up on his own at 5:30 . But everything went very well. They dropped me off at the registration for the race and then they got breakfast and then swapped out our vehicle for the church van while I was running and got back in time to see me finish. I ran the whole thing (go me) in 34:47 (not overly thrilled with my time, but oh well). Then we hopped in the church van and went 2 blocks over to the staging area for the parade. I changed in the back of the church van while DH and other church members decorated. The weather was fairly warm, but very windy. After we got done with that, we went to Walmart and got our Turkey for THanksgiving. We're keeping THanksgiving pretty simple and DH is actually going to do most of the work. I have been pooped all afternoon. I made soup for supper and DS went to bed early and even though it isn't even 8, I'm thinking i am headed that way. Mizbear - So sorry to hear about your friend.
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pointy
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Post by pointy on Nov 20, 2011 7:22:58 GMT -5
COTW:Do whatever it is you noted in your question! We may still have several weeks left of this year but it's never to early to get a jump start on your planning for 2012.I'm just about done with the QOTW - need less than $800 to reach my saving goals, I have a saving plan for 2012, I made my IRA deposit and I'll be making my extra mortgage payment on Monday...for 2012 I basically want to expand on my freelance business in any ways possible! Update: 15/21 NS and 16/26 No QVC days
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mizbear
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Post by mizbear on Nov 20, 2011 12:40:05 GMT -5
Thanksgiving- Need advice- DB says I am being a shrew (not his words, but nicer form) BF and I have been invited to do T-giving at a friends house. DM has decided there will be no T-giving at her house this year. I totally understand, but I am going to make her "pretend" she changed her mind. My friend's house is FILTHY! The cats (and I like cats- and dogs) climb all over the kitchen counters and stove and drink out of the glasses and pans and the dogs do their business on the floor. She smokes- I have asthma (I can't breathe today). The dogs jump all over you while you are there and I now have little marks in my leather jacket from their claws and teeth. One of the dogs peed in the floor and she left it sit. Sorry, but I don't want to eat there. Oh yeah- and she INVITED us over and instead of asking us if we could bring a dish- shook down my BF for money for the food.... She had him wire her $50 to shop for the food! I'm sorry, that rubs me the wrong way!
My place is nothing spectacular and I don't make a lot of money- but I am not asking someone else for money to do a T-giving dinner to feed people when everyone who is coming could chip in.
Yes- Having doubts about BF already. Needs to put his foot down to some people and keep his mouth shut to others. He has talked to DM on phone once b/c she answered my phone for me while I was driving- I am not sure they should meet yet. Maybe I am just skittish.
I am busy setting goals for 2012. Since DM will be moving in 2012, she has asked me to set a budget for her. I handed her the first draft- which was a strict, racer-style draft that didn't permit her to eat out every night- unless she was on chemo, and then it was budgeted on her grocery line. She nearly had a cow- until she realized that budget A would allow her to be totally out of debt- except her truck- within about 2 years. I offered to set something similar up for DB, but he isn't interested. He "has" to have his spending money. DM's budget has spending money allocated. My budget doesn't have a lot if any allocated simply because I don't have leeway in my check right now.
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spruby
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Post by spruby on Nov 20, 2011 13:54:10 GMT -5
mizbear - please do not go to your friend's house for t-giving - it sounds bad on so many levels. and please slow down with the BF - is the guy you just met when DGM died? Holidays are tough, drama filled families are tough, losing a beloved grandparent - super tough - now may be a good time to step back a little make *you* and DM the priority and not add a fast moving relationship to the emotion mix (now is time for a sloooowww moving one!)
BTW - how are *you* doing health wise - emotionally and physically?
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startsmart
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Post by startsmart on Nov 20, 2011 14:13:47 GMT -5
Oh my, what a busy and challenging week! I haven't been able to read much but here's my update.
Had a great Monday with Honeylioness and flew home on Tuesday. My flight was delayed so I didn't get home to my parent's house until really late. Home on Wednesday when I worked with my clients and spent a lot of time implementing the business advice from my coaching day.
Friday was awesome - I got some amazing insight about how I can bring more clients into my business at a price point that makes it very affordable, keeps my time commitment reasonable and would help me transition my practice into a six figure business in a very short period of time. So so exciting and when I talked to a colleague on Friday night for feedback she said 'omg, sign me up! I want to do this with you!' which was unexpected and great.
Still need to tally up my no spends but it should be pretty good, aside from my chiropractic visit tomorrow (which is budgeted) I am doing well, got the fridge restocked so I can have Thanksgiving lunch at home this week. I'm also really looking forward to decorating for Christmas this year, no idea why.
I made two soups yesterday and roasted a chicken in the crockpot, next up I'm making mashed potatoes, string beans, chicken & dumplings and maybe a dessert of some sort. Hoping to have enough food in the fridge and freezer to last the rest of the month and first part of December.
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sapphire12
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Post by sapphire12 on Nov 20, 2011 16:46:16 GMT -5
Happy Sunday everybody -- I finally have a delivery date for my bed. It's my birthday. The first available delivery day is this Wed, but I didn't want to take Wed off waiting for delivery people. I'm already taking off on my birthday, so this works. I'm so excited to see my finished room.
SES -- I too want a Kindle Fire, but I'm debating if I'm going to wait for the Kindle Fire 2. I have an ipod Shuffle for power walking. The Shuffle only holds music.
spruby -- glad you are enjoying your Fire. I want something smaller than my laptop for traveling. An ipad is out of my price point for the amount of use it would get.
mizbear -- so sorry to hear about your friend's DM. If you'd like to escape everybody in your life right now, you could head down to southern MD for Thanksgiving. I'm sure fur would fly with your disappearing act. ;D
muttley -- Congrats on your race!
sbcali -- Good luck with your reorganizing project. My makeover grew as it expanded from my Master Bedroom to the other rooms that need to be completed. LOL. I jokingly say that my house will be complete for me to put my house on the market.
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mizbear
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Stand back. I have a budget, and I know how to use it.
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Post by mizbear on Nov 20, 2011 22:33:43 GMT -5
DM, BF and I are having T-giving together. DM is making lasagna.
Things here are calming down.
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redwagon
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Post by redwagon on Nov 21, 2011 10:18:29 GMT -5
mizbear - glad you sorted things out for Turkey day. The friend's house didn't sound fun, or healthy! start - glad to hear you so positive and happy! I had a good weekend. Blue and I went into the city for some dinner and browsing before heading to a bar for a friend's birthday. $90 total for a delicious dinner, and for several drinks and an app each at the bar. Not bad for NYC!! The rest of the weekend we knocked stuff off our to-do list. I started crafting a yarn wreath. Wrapping the yarn is tedious but I think it's coming along well. I'm glad I picked a simple project after all my stress over my Halloween clock (which did come out okay in the end). Plus the materials are super cheap. This is what it is supposed to look like in the end: vintageindie.typepad.com/.a/6a00df3520a4fb88330147e062d42b970b-450wiI'll take a pic when I'm done. I keep meaning to start a blog of my crafting (mis)adventures, because it's something I've always wanted to get into but never had the patience or talent for it. Blue keeps telling me to just buy stuff instead of stressing over making it, but dammit I'm gonna make stuff lol. I'll get the hang of it eventually, I hope. And last night we finally went to dinner with the in-laws for our anniversaries (both were in October but first I got sick and then FIL got sick and we have kept rescheduling). So they paid for that since they invited us, and it was very yummy. Tonight is my grammar class final. Wish me luck. I haven't taken an exam in probably 7 years. I should study at some point before class, huh?
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sheilaincali
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Post by sheilaincali on Nov 21, 2011 10:25:53 GMT -5
Spruby- I completely understand what you are asking. We have adopted families before and the instinct to buy buy buy is there because you worry that without you helping they will have a horrible holiday. I think you should stick to the original request for one toy, one book and clothes. They do have access to other options so don't feel you need to spend more than you are comfortable with if it will impact your personal goals.
Mizbear: I know it's probably not what you want to hear but read what Spruby wrote and give it some careful consideration. I am happy for you that you have someone special in your life but tread carefully. When under a lot of stress and grief we sometimes make rash decisions.
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shanendoah
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Post by shanendoah on Nov 21, 2011 11:01:24 GMT -5
Update: 10 CS + 8 NS = 19 of 26 Saturday we bought a propane powered infra-red oil-less turkey fryer. I am so counting that as a spend day. We're test running it tonight with a whole chicken.
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startsmart
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Post by startsmart on Nov 21, 2011 14:17:46 GMT -5
Thanks red_wagon, I really stumbled upon a great way to serve more clients. Only adding 20 clients (and I have a leads list of over 200) would mean adding $100k yearly to my business. And I'd still be earning higher fees (between $75-150/hour) and I had 3 people already say "sign me up today!"
Really blessed to be working with a great coach, accountability partner and team, now it's just execution and implementation! All good things but have taken a lot of time from the boards and keeping up to date here.
I am still writing for NaNoWriMo and will hit 30,000 words today. Super excited about the way my story is coming along and although I have 9 more characters to kill in this act, I'm rather happy with the story!
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moneysquirrel
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Post by moneysquirrel on Nov 21, 2011 17:44:36 GMT -5
Update: 12 NS Days and 2 CS Days
Sorry I have been missing in action lately. School and other things have popped up and I have not the time or the energy to do anything online that was not urgent.
I do have the week off but am also doing Thanksgiving dinner here so I expect a lot of time will be spent on cleaning and cooking. I think I made my last run to the grocery today so I hope that the next few days will be busy but not crazy. Hope to even have some time to play.
Today I made soup -- veggie -- to have tonight and to freeze for the future. Hope to get a few additional meals put away this week as well. (Even if it is just leftovers from Thursday.)
Also I order the Amazon Fire to replace my little netbook that died in May. Should get it in the next day or two. Dryer is finished. -- Time to put the next load in so I will check back soon.
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reeneejune
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Post by reeneejune on Nov 21, 2011 20:27:13 GMT -5
I've had my head buried in the sand as I prep for the madness that begins on Friday. While some thrive on the supercharged atmosphere that is retail work during the holidays, I find in incredibly draining.
I'm also in charge of doing all the cooking for Thanksgiving at Grandma's house again this year, but at least this time I have plenty of warning. Late last week I cooked several things to eat this week so that I can concentrate on prep work. Tonight I need to start the bread for rolls and stuffing. Yes, I'm crazy enough to bake my own bread to make breadcrumbs for stuffing. I also need to get a pie plan together. Because I refuse to bake 10 pies again this year. It's only Thanksgiving for 15.
Today will be my first no spend of the month, assuming that I don't find that I'm out of critical ingredients. Yes, it's been a bad month.
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midjd
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Post by midjd on Nov 21, 2011 21:23:48 GMT -5
Update - 6 NSDs, 10 CSDs, 6 EODsMy spend days have been fewer, but the $ amounts are not good. After much deliberation over the fact that we need a vacuum cleaner before we host Thanksgiving on Saturday, we bought a Dyson ($250, refurbished, but still). I also bought myself my annual Sephora perfume sampler for $80. And planning on doing Black Friday this year (sorry, Reenee!) I have a master plan to get the rest of our Xmas shopping done AND buy a tree for <$400. On the brighter side, one of my two huge headaches at work is over, and most of my coworkers are out so the next two days should be a prime time to get real work done. Also, I've done pretty good on the grocery budget this month. Also... I got home this evening and DH said he had something to tell me. I steeled myself for the worst (for some reason he can never just announce something, he has to preface it with 30 seconds of "I have some news.... you may not like it.... but I have to tell you...." and then I have to shake him and yell at him to spit it out already). Anyway, he told me that 2 weeks ago he'd decided that when he reached the end of his current cigarette pack, he was not going to buy anymore, and tomorrow was his last day, and he wasn't going to tell me but he wanted me to know in case he was super grumpy during the next week or two. I was like "WHYYY did you have to preface it as though it was terrible news?!? Sheesh!" So, I may be on here venting about DH in the next few days, but only because I know I can't do it in person and give him a reason to start back up again OHH and then - this is the weird part - there was a Pampers commercial on and he said "That's one reason I'm quitting, I don't want that to be an obstacle to us having kids soon."
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redwagon
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Post by redwagon on Nov 21, 2011 21:33:18 GMT -5
midwestern - yay for DH quitting smoking! that's fantastic. vent all you want about him here, we'll support that decision of his! blue and I are both trying to get healthier (going to the gym, cooking healthier) for the same kid-reason. Excellent motivation!
Had my grammar final tonight. It took me 15 minutes, but the questions were all either I knew it or I didn't. Mostly knowing, so that's good. And I got home way earlier than I usually do on Mondays after class, so that's nice!
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reeneejune
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Post by reeneejune on Nov 21, 2011 21:48:21 GMT -5
midwestern - I'm not bothered by bargain shoppers, per se, but rather the cultural shift that has some stores opening on Thanksgiving with their "Black Friday" deals and the fact that we're still 2 days away from Thanksgiving, yet you'd be hard pressed to find Thanksgiving things at the store... it's all Christmas. As for the stores opening on T-day, they try to dress it up by saying "oh, it's voluntary for our employees, we don't force anyone to work." Really. So who runs the store if none of the managers decide they want to volunteer? I don't buy it. I'm fighting the urge to put up my Christmas tree now because I know that come Friday I won't want to have anything to do with Christmas decor until December 26th.
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mizbear
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Stand back. I have a budget, and I know how to use it.
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Post by mizbear on Nov 21, 2011 22:51:32 GMT -5
reenee- I Know whatya mean. mid- Congrats to DH- Vent all ya need (and I have an air mattress and lots of ice cream if it gets too bad) Update from the bearcave: After long chat with BF on phone last night- found it wasn't HIM that was bugging me. I was stressed about the week's events and bugged out over mutual friends- who actually had him bugged out too. Same mutual friend is now in CICU due to a blood clot in her heart. We are very glad we decided to keep our not happy with hers to ourselves. We're still not going there for T-Giving though. There will be a change in the menu though b/c DM and I noth forgot she starts chemo tomorrow and DB is allergic to tomatoes- he can't eat her traditional lasagna. SO- I will make pork roast. My DB has been told he must move out by Jan. 1. ;D DM will move in with me temporarily on Jan. 1 until her apartment is ready (approximately 6 months). She and I have already agreed on house rules and a budget. BF finds out my new roomie Friday. I figure this is the acid test. If he's really interested- he'll stick around- if not- he can pull a Donny Osmond and "Go Away Little Boy" Uncle is coming to help start sorting stuff this weekend. MamaBear is going to be racing her budget down also from home as soon as we have all of her deposits for her apartment.
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muttleynfelix
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Post by muttleynfelix on Nov 22, 2011 9:27:09 GMT -5
midwest - Best of luck to your DH. While I know quitting won't be fun, I really really want my DH to quit and am quite jealous that your DH came to that on his own and before you have kids.
I'm just truckin' along. I got gas last night figuring the prices would go up today or tomorrow and I didn't want to get caught with my tank empty. We're going ok sticking to our budget.
As for black friday, I'm actually tempted to go out Friday morning and go to Bass Pro shop. They don't open until 6am and they have Redhead jeans on sale for $10, fleece sweatshirts for $10, and flannel shirts for $10. I don't know if we will. We'll see.
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sheilaincali
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Post by sheilaincali on Nov 22, 2011 9:56:03 GMT -5
I am actively coming up with to do lists and things to distract us this weekend so we don't get sucked into the Black Friday madness. I usually go every year but with my parents out of the country it's lost it's fun. Usually it's my grandma, my mom, my aunt, me, my sister, my son, some of my cousins, etc. It's a huge group of fun. But this year my sister was all "I am going with Lindsay -her friend- I guess you can come too if you want". Nah- Not really anything I want and or need. So trying to distract myself and stay out of the stores.
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midjd
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Joined: Dec 18, 2010 14:09:23 GMT -5
Posts: 17,719
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Post by midjd on Nov 22, 2011 10:01:17 GMT -5
Thanks Mutt. I remembered your posts about your DH smoking and felt like I could've written them! He quit about 4 years ago but it only lasted a few months (maybe less - he started sneaking them again and didn't tell me about it for a while). After that, I decided there was nothing I could do about it and it would make both of us crazy for me to dwell on it, so I just tried to put it out of my mind. (There were a lot of tearful "If you really loved me, you'd quit!" fights early in our relationship, though ) I'm not sure what triggered it, but it probably had something to do with my minor freak-out last week over how much his life insurance was going to cost ($120/month vs. $39/month for mine). I told him that it was fine and I knew I couldn't make him quit, but if we have kids he needs life insurance and I wasn't paying $120/month for it. He says he started thinking about it a month or two ago though, so maybe the life insurance thing was just the final push. I hope it works out. Unfortunately the next few days are when I'm usually PMS-ing, plus the whole 3-days-of-forced-interaction-with-distant-family-members thing, so I may be venting a LOT! Fair warning ;D
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