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Just a lot of rambling

January 19th, 2007 at 12:08 am

Thank you to those who gave me suggestions about my computer problems. I think I have figured out that while my broadband provider is upgrading, there are little "interruptions of service" that slow things down. Anyway, some friends have also complained about slow internet service, and that's what we've decided.

I've been delinquent the past few days - just too busy and too tired to log on. I've done a little spending -- I went to a baby shower today and was able to give two gifts that were discounted -- one, a set of receiving blankets half-price; two, a book I bought with a Border's coupon. The one thing I got from her registry was duplicated by someone else, so that was too bad, but at least she has the gift receipt. While I was there, I got a call from a good friend who told me her daughter-in-law checked into the hospital and will deliver at any time! Sort of ironic I got baby news at a baby shower. I also paid $10 toward the lunch, cake, etc. The gift total was about $30.

Last night another friend convinced me to go Goodwill shopping. I spent $13.10 and got two sweaters, two tops, and a pair of gloves. It was Senior's discount day, so I got 30% off -- and one of the items was 50% off.

I spent $2.52 on new photos of my grandson, and $1.00 on cookies from the vending machine. I also chipped in $4 for a good-bye gift for a co-worker, and, because she is a special friend, I bought her a mug, coaster and funny refrigerator magnet for $28.06. No bargains there, but they are all awesome and just right for her.

Somewhere in there I also spent $24.43 on a prescription, but that will be reimbursed. I have more than $150 left in my flexible spending account that I have to use up by March, or I will lose it. This has never happened before. I will have to think of ways to use it up. I have an eye appointment coming up -- that will help.

I talked to my retirement counselor and he let me know how the process worked and what my benefits will be. It will cost me $386 per month to continue my medical insurance -- I guess that's not bad, though more than I pay now. To continue my life insurance will be $33 per month. Life insurance is not so important any more, with my kids grown, but I do want to have something to pay for my funeral when the time comes, so I'm thinking that over. I would hate for my kids to have to pay funeral expenses -- it was great that my mother's funeral was all taken care of, and at that sad time we didn't have to think about the cost. I'd like to do that for my kids, too.

4 Responses to “Just a lot of rambling”

  1. Frayed Buckeye Card Says:
    1169173821

    How about cashing out your policy, saving that money, adding the monthly premium, in a separate account that you have for yourself ? I'll leave enough for the children to bury me but I am not obligated to an insurance company for payments.

  2. Carolina Bound Says:
    1169212616

    I don't believe I can cash out the policy -- it is term life insurance. However, I do like the idea of simply saving for it myself.

  3. fern Says:
    1169225985

    Can't you just let the funeral expenses come out of your general estate? If you own property, your home, for instance, there'd be more than enough to cover that cost.

    It seems a shame that you have to scrimp and save and pay $33/month for life insurance when as you say you have no dependents anymore. I'm sure your children would understand.

  4. Carolina Bound Says:
    1169235057

    Well, that's just it, I'll be selling my home and sharing my cousin's house after I retire. I won't really have an estate besides what is in my savings accounts. So I just want to be sure SOMETHING is in place for my final expenses!

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