I'm going to get out for my walk as soon as possible! I'm going to walk to the grocery and buy cat food. My cat has informed me that she doesn't want to eat the dregs that are left in her bowl. I also need to "buy" quarters for laundry.
Yesterday I had some free entertainment. I went to my grandson's first soccer game. What fun! He was a little rocket, and I'll bet he slept well last night!
No spending yesterday, except for a $1.50 load of laundry.
I invited the family to dinner on Wednesday so I have to come up with some ideas before I shop tomorrow. I'm pretty much out of everything.
So tomorrow begins another challenging month. I won't get my SS check until the 23rd. That is actually early enough to cover a lot of my bills. I just need to be careful with spending, so as not to raid my savings any more than necessary.
I am going to go to my BFF's on Saturday (picking up her SIL on the way) to help her out after her hip surgery. There will be some cost with that, though I am sure my BFF will insist on paying for some things. I also owe $34 for the family football pool (wouldn't it be nice if I won this year?) I haven't done anything about the window or the car. The check engine light has been off for quite a while, so I'm not worried about that any more. And I can wait on the window until October. The other big thing is painting the car before winter. That will have to come from savings, I'm afraid. Maybe I can find a shop that will charge less than the $2756 that is in the slush fund.
I am not going to pay the annual fee to use the senior fitness center until I have normal cash flow. Exercise is free, after all! I just have to remember to do it. I have a book on Yoga, that I have yet to dig into. Walking is free. I can do it.
Breakfast: Oatmeal w/walnuts & cranberries
Lunch: Pizza bread & mixed veggies
Dinner: Grilled cheese sandwich & tomato soup
Archive for August, 2015
I'm going to get out for my walk as soon as possible! I'm going to walk to the grocery and buy cat food. My cat has informed me that she doesn't want to eat the dregs that are left in her bowl. I also need to "buy" quarters for laundry.
I spent a quiet day at home yesterday, only spending $1.50 on laundry. More laundry is on tap today. I also need to take a trip to PetSmart to get cat food. I think that will be the last bit of money dribbling out this month -- a month I will be very happy to see the end of, financially speaking.
It was misty and rainy yesterday, but I took a walk anyway, between the drops. No "finds." I probably didn't walk as long as I should have, but I find it more difficult to keep going when the walk is aimless, and I have no purpose other than getting the exercise. I prefer to have a concrete goal.
The good news is that all the discomfort in my legs that bothered me so much on Friday is totally gone. Now I wonder if it was just fatigue.
Breakfast: Toast & peanut butter
Lunch: Chicken rice soup
Yesterday was a really fun day, but I spent a lot of money. The most expensive thing was the dentist. My flex benefit card was rejected so I had to pay -- $235 for a cleaning and x-rays. I was told that I could use my remaining flex benefits till the end of the year despite being retired, so I will have to follow up and manually send in the papers, in hopes that I will get reimbursed. I did get a complementary toothbrush and floss, though!
I also bought breakfast and lunch out - $18 for both. I got a free dinner at the alumni dinner to offset that. Also got a free handful of candy, and a tomato! (Hey, I count everything!)
My watchband broke, so I bought a $10 replacement. I actually may return it, because I am not thrilled with the fit.
And I also stopped at Goodwill, and bought a puzzle and some minion dolls for my grandsons' birthdays, which are coming up this fall. $3
And I topped off my tank for $26.
I had a good day visiting old friends, and even meeting new ones. It was a long day, though. I got home around 9. My legs were aching terribly, even though I did not walk around much, so I need to figure out what's going on. It took me a long time to fall asleep. At one point I got up and looked up leg pain on the internet, which led me to scary articles about Deep Vein Thrombosis. I hope it isn't that! But it did remind me that I should hydrate and exercise and stretch every day, especially when I have a long drive.
I got some "free" groceries on Thursday's long walk. A woman panhandler who I sometimes see in front of the grocery store was in her usual spot, but she had a box of food she was giving away. It had been given to her by a friend, but it was the kind of stuff she couldn't use (I think she is in a halfway-house sort of thing). So she was handing it out. It was all sealed and in-date, so I took two boxes of broth, some Karo syrup and a can of Eagle Brand. And I gave her $5, so I didn't come out ahead. I assume others were giving her cash for groceries, too, so her friend's donation was helping her in a roundabout way.
I cringe to even say this, but my variables spending is 154%! Oy. Well, I didn't expect the vet bill or the dentist bill, and it is very difficult to cash flow those large amounts on a small budget. On the good side, I still have $378 in reserve from previous underspending, so I'm really doing all right, though it feels bad!
Really have to do something about getting the car painted. It looks bad, and I'm going to start getting real damage if I don't do something. I guess I'll start researching shops today.
Breakfast: Potato Bowl
Lunch: Tomato Casserole
Dinner: Barbecued Chicken, Veggies
Potato bowl is leftover mashed potatoes formed around the sides of a bowl and filled with leftover veggies, meat, cheese, etc. Tomato casserole is a fresh tomato sliced and baked with a cracker crumb crust and cheese/mayo topping.
Went to the meeting last night and spent $4 on a latte. I noticed a few others didn't buy anything at all, but I feel it is rude to take up space at an eatery and not buy anything. I found a two-hour free parking space, so that was a win!
This morning I am going to walk to the doctor's office to get my labs done. It is a thirty-five minute walk each way, so a bit of a stretch. It is a fasting test, so I can't eat breakfast till it's done. This will be a challenge.
I watched 50/50 yesterday, and it was a great movie! Funny and serious -- heartwarming, too. You wouldn't think a movie about cancer would be enjoyable, but it was so genuine, not at all corny like some sad movies are.
After watching, I walked to the library and checked out "Love is Strange" and "The Imitation Game." Eventually, I'm going to get through their collection, but I'm enjoying catching up on movies I have missed.
I didn't have my planned dinner last night. I didn't have time before the meeting, and once I got home, I wasn't really all that hungry. So here is today's menu:
Breakfast: Eggs, toast
Dinner: Barbecued chicken, twice-baked potatoes, mixed veggies
No word from the museum yet.
Variables spending is at 118%.
It turns out I have been approved to work at the museum, but they are asking for a certificate of insurance. My boss is trying to get that waived. I'm not even sure what that means, except that they are viewing me as a business rather than a person!
I took a walk yesterday to the post office, and I found $5.25 on the way! Pretty amazing! My post office purchase was for the board and not out of my finances.
I have a board social event tonight -- thought it was yesterday, but I was mistaken. It's at Panera. I'm resolved to only buy a beverage.
Something I ate didn't agree with me yesterday and I had terrible diarrhea in the night. I suspect my fried chicken was undercooked. I'm going to have chicken again today, this time oven-baked, and I'll make sure it is thoroughly done!
I watched "Midnight in Paris" yesterday -- wonderful! Today I will watch "50/50" and then will return the DVDs to the library. Maybe I'll watch it in the morning and make the trip to the library an afternoon walk. I do love this cool walking weather.
Variables spending is at 117%. If I were getting paid this month, this would be my payday, as it is the fourth Wednesday of the month. So I suppose I am technically starting the new month now. But I am still going to hold the line.
My BFF is having hip surgery this weekend. I'm not really able to help, what with my employment status in limbo. But yesterday she asked if I could help get her SIL to her house from Chicago. That would be September 5. I said I was glad to do it. At this point I'm not sure whether I am driving her or just getting her on the train (she's coming from the west coast). It's a three-hour drive, but an easy one. I'm in favor of driving her, but she is saying, oh no, I can't impose..... I imagine that is what will happen once we wear down her politeness!
Breakfast: Potato pancakes & applesauce
Lunch: Chicken rice soup & sourdough bread
Dinner: Oven-baked barbecue chicken & salad
Well, this was supposed to be my first day on the job, but I'm still in limbo about whether the papers are in order and I'm "official." My boss was checking on it yesterday -- didn't get back to me -- so I'm at home. I'm not making that trip for nothing.
I will probably go to the grocery today, though I hate to spend the money. Everything is conspiring against me! I have to go to a board event tonight (Dutch treat) -- I will only get coffee. I've been invited to an Armenian fest this weekend. I 've been invited out for lunch on Friday, on the day I go to the dentist and to the Alumni Dinner. I owe my cousin $34 for the annual football pool. I don't want to drop out of the social calendar, but I hate having to shell out the money right now. On the other hand, if I just tell everyone "no", will they ever ask me again? The unfortunate thing about being single is that almost all socializing has a price.
I updated to Windows 10 yesterday, and a few days ago I migrated to Microsoft 365 Outlook. I was terrified I wouldn't be able to make anything work (it's happened before) but so far everything seems fine, and in fact, stuff is working better. I guess that was the whole point, huh? I never did adjust to Windows 8, just concentrated on the one window that made sense.
I spent a big portion of my day cleaning my stovetop yesterday. With only limited success. I have a black enamel stovetop with gas burners. There is burnt-on grease that I just can't get off, especially the burners. I used baking soda and vinegar first (fail) and then Easy-Off, which worked better, especially on the stove itself, but the burners are still yucky. I'm wondering now if soaking them in straight ammonia would help. If so, I'll have to buy some! And figure out what receptacle to soak them in! Does anyone have a magic solution? I'm really tired of scrubbing.
I didn't get a walk done yesterday, even though it was lovely, perfect walking weather. I'll have to do it today for sure!
Forgot my menu plans again!
Breakfast: Blueberry pancakes
Lunch: Veggie fried rice in tortillas
Dinner: Fried chicken drumsticks, mashed potatoes, salad, mixed veggies
I am not having the fried rice again; I didn't eat it yesterday because I got filled up on popcorn and didn't eat dinner.
Just got back from the grocery -- $39 for croutons, eggs, almond milk, creamer, wine, chicken drumsticks, salad in a bag, blueberries, onion, sourdough bread.
I'm home from my weekend in Michigan, which was lovely, as usual. Especially fun times with the grandsons, who enjoyed their last bit of summer in the pool, and kayaking. I had a nice lunch with my guy (who perhaps doesn't realize he's my guy ) and the lunch yielded enough leftovers that I had food for my trip home.
I paid $35 for gas and food. I also stopped at CVS and picked up some pantiliners for $1, saving $3 with a birthday credit.
I thought I might start my new job tomorrow, but as of this morning, my boss has not indicated that the paperwork has been processed. Hoping she will get back to me today.
It was nice getting my laundry done so easily -- and free.
I need to go to the grocery store, but I'm thinking I might make it through today, anyway, without having to go. The longer I can procrastinate, the better!
Breakfast: Toast w/peanut butter and jelly
Lunch: Scrambled eggs w/ peppers
Dinner: Veggie fried rice in flour wrap
Just heard the stock market took another severe dip upon opening. That makes me a little nervous. The last time I "retired" we went into that bad recession. I'm better off now, but still....
Variables spending is at 112%. If I can hold it down these last few days of August, I can easily make that up in September.
Today I get on the road, but I'm not in a hurry. My SIL doesn't get home till this evening, so there's little reason to rush. I will take my walk today, do some errands, and make a leisurely exit.
I'm a little worried about leaving my cat again. She still seems unhappy without her companion; I know it must be hard when I leave, too. But on the other hand, I can't be tied down so much that I never leave home!
I watched "Theory of Everything" yesterday. What an amazing performance! But it made me a little sad. I wish the first marriage could have worked out. But who can imagine the stresses and strains in any other life, much less one with so many challenges!
I did not spend anything yesterday, and nothing is being withdrawn from my account. My variables spending remains at 108%. I can hardly wait till this month is done; I feel so constrained, even though the limitation is entirely of my own making.
I found a penny on yesterday's walk.
Breakfast - crescent rolls
Lunch - quesadillas or grilled cheese
Dinner - road food - Chipotle if I can find one; I have a gift card to use.
It is so cool today, it's like a fresh, fall day! I'm actually wearing jeans and a long-sleeved tee, and I'm planning a nice, long walk.
I took a 50-minute walk yesterday, but despite the temperature drop, it was still a bit muggy. I can tell that today will be delightful walking weather. I'm going to walk to the library and return "Boyhood," and maybe walk down by the lake.
I thought "Boyhood" was a good movie, and, of course, I love the concept of filming it over real years. It resonated with me in many ways, as I was a single mom. I didn't marry two alcoholics, but I did have an alcoholic father, so that resonated with me, too. It was a little uncomfortable to watch sometimes, but a good lesson on how time heals, and the importance of continuing to try to do your best in the face of adversity.
Tomorrow I travel, so today I pack. However, since I'm taking my laundry, I'm going to pack light. I'm packing the outfit I want to wear on my lunch date, but otherwise, there will be plenty to choose from in the laundry!
I found a penny on my walk yesterday, but overall coin-finding has dwindled.
Finances are on automatic. Since I have exceeded my budget this month, my next goal is to come in under next month -- enough to offset the overage. When I get my first SS check in September, I will feel relieved. I hate to be spending my savings.
I got a $3 coupon from CVS (birthday gift), so I'm going to go find something I need for $3. I'm mad at myself because Corner Bakery sent me a coupon for a free muffin, and I let it expire!
Breakfast: Oatmeal with walnuts and cranberries
Lunch: Fried rice (leftover)
Dinner: Peanut soup and crescent rolls
It won't get into the 80's today, and that is the first time in 33 days. What a relief! I will take a long walk today.
My doctor's visit yesterday went fine. I got a clean bill of health, as well as a pneumonia shot. I may have to pay for the shot; not sure about the insurance coverage for that. After I got home, I called UnitedHealth and ordered my reward for getting the annual exam, a $15 Amazon gift card.
I had to pay $2 for parking. I found a free spot in 2-hour parking, but I was afraid to bargain on it. If I was caught going over 2 hours, it would be a ticket, probably at least $50. And at the doctor's office, you never know how long you will be. As it was, I would have JUST made it. Anyway, being cautious, I parked in the adjoining garage, which charges $2 if you exceed one hour.
My variables spending is at 108%. But I still have to pay for a tank of gas for my trip, and groceries when I get home from Michigan. Thank goodness I have a bottle of wine on hand to take as a bread & butter gift.
I have a meeting coming up on the 26th, which is set at Panera. I will eat beforehand and just get some coffee.
On the 28th, I am going to the dentist. I don't think I'll have to pay on that day (I'm going to put it on my flex card). But there may be more gas cost. On the same day, I will stop in to visit my old colleagues at the College, and will attend the Alumni and New Students barbecue, which will be a free meal for me. But I may have to eat lunch out that day.
Over all, I'm going to spend more, but I think I can stay well under the $754 surplus in the budget.
Thinking ahead to this weekend, I think I will take my laundry up there. My SIL doesn't mind if I use her machines, and it would save me a little cash.
Almost forgot! Today's meals:
Breakfast: French toast
Lunch: Veggie Fried Rice
Dinner: Cheese Quesadillas
Until 8:00! Amazing! Though I did wake up several times and went back to sleep.
I have a committee meeting (via phone) today, followed by a doctor's appointment. I will probably have to bow out of the meeting early. It feels like a big day! Two things to do!
We had storms last night, but it doesn't feel much cooler, even though it supposedly is. That said, I haven't turned on the air for three days. It's liveable, just not optimal. Looks like tomorrow and Thursday are going to be cooler. And on Friday I will be heading north.
Breakfast: granola with almond milk
Dinner: grilled cheese, veggies, applesauce
The pantry/fridge/freezer are getting barer, but I am going to try to hold out on shopping until after my Michigan trip this weekend.
Yesterday I watched Dallas Buyer's Club. My, gritty! But I understand why both Matthew McConaghey and Jared Leto won Oscars. I also watched Junebug on This TV, I believe. In spite of the interruptions, I enjoyed it. Very real story of family relationships, good and bad.
Financial news: didn't spend, didn't use gas, didn't turn on air, didn't pay a bill. A day of didn't.
I spent the WHOLE day yesterday watching "The Roosevelts." But it was time well spent. It was not only informative, but inspirational. I'm glad I saw it, and I'm even glad I saw it in one fell swoop, though it was quite a commitment in time.
During the breaks I got a little bit done, but today I am still faced with having to steam-clean the floors. And it's still hot. Despite the heat, I managed without AC yesterday. I didn't really feel the heat until late in the afternoon. My big fan is very helpful.
Yesterday I posted my meal plan for the day, and I realized it really helped me to focus, and not just eat stuff willy-nilly. So I'm going to try to do it daily.
Breakfast -- toast with peanut butter & jelly
Lunch -- tuna melt
Dinner -- cannelloni
I'm really falling down on exercise. It's too hot to walk. But one of the things I saved back from the bag of donations to the library is a DVD by Cathe Friedrich called Total Muscle Sculpting. I thought I would at least try it out. That's one of my to-do's today.
I'm also going to watch one of the DVD's from the library, as I have to get them all back by Friday.
My Medicare Advantage plan will pay me with a $15 Amazon gift card, if I will take advantage of a free annual doctor's exam. So I guess I will. I hope it will really be free. I'll make the appointment today.
The air show continues today, although yesterday it was postponed because two parachuters were critically injured after colliding in the air. Didn't I say it? I hate the riskiness of it all. I didn't go to it but heard the planes. I hear them now -- practicing, maybe?
I did go to the library and donated the bag of stuff. I parked a couple of blocks away to avoid paying for parking, and it was a hot walk with a heavy bag. Sometimes I really shake my head at what I will do to save a quarter.
I checked out three more DVD's: The Theory of Everything, Dallas Buyer's Cub, and Boyhood. I'm looking forward to all of them. I did end up watching Sex in the City 2 yesterday before taking the bag to the library. It was pretty silly, and I just can't relate to that obsession with fashion and large-scale living.
Today, however, I will be entertained by PBS' marathon of The Roosevelts. I've seen a couple of episodes, but not the whole production.
Food plans for today are: migas for breakfast, spaghetti for lunch, and tuna salad sandwich for dinner. So far I'm still doing fine without a grocery trip, though I am missing my coffee creamer!
I didn't do all the cleaning I was planning on yesterday. Today I still have to steam the floors and clean the fish tank. Somehow, steaming the floors in 90 degree weather doesn't sound good! I'll do it fast!
Yesterday was a no-spend day for me. I have to rack up a lot of them! With no sizeable income until the end of September, these are challenging times for me.
I do have a trip to Michigan coming up next weekend. Aside from the cost of the gas, I should not have to spend anything. My brother is unfailingly generous. I'm also going to lunch with my potential BF (the real reason I keep visiting my brother!) But he will pay. He is generous also.
I will have to get groceries at some point, but so far I am stretching them easily. I continue to be amazed at how much easier it is to manage food when I'm home all day! The day before yesterday I made French bread pizzas and yesterday I made olive-nut spread for sandwiches. I still have plenty of both. Today I think I will use up the rest of the cream cheese to make alfredo pasta.
I did not go to the library yesterday -- I suffered a headache mid-day which kind of cut the day in half. But today I will take the bag of donated books/media. The DVD I watched was "Mr. & Mrs. Smith" which didn't entertain me very much, but hey, it was free, and after watching movies on TV, I appreciate anything that is whole and uninterrupted. Another DVD in the bag is "Sex in the City 2." I think I've seen it, but I thought I would start it to see if I really have. I might have just seen the first movie.
Other plans for today are to do some cleaning. I mopped yesterday, but today the wood floors and carpets need some attention. I'm going to change linens, clean the fish tank, dust, and just generally get the place tidy. Cleaning is basically free, and offers the reward of a pleasurable environment. Of course, I hate it, but I'm trying to work on my attitude.
It's going to be hot today, so I will turn the air on when it gets too uncomfortable. I've managed fine with fans while temps were in the 80's, but when we get into the 90's, it's just too hot.
Today is the Air & Water Show, which is free, and a big deal. All I have to do to see some of the action is walk to the beach (two blocks). Our little beach is not the center of the action, but it's close enough. But I don't know if I really want to do it, though. I don't really like watching death-defying acts! I don't even like the circus. I think I will go if my kids invite me to come along with them; otherwise, I will probably pass, and hope that all the pilots are safe.
Today is also "Clear the Shelters" day. The shelters are waiving adoption fees. I am tempted to find a companion for my grieving cat, but I know it is the wrong decision at this time. I need to keep focused on no spending, not taking on new financial responsibilities. I need to enjoy buying less food, less kitty litter and cleaning the pan less often. My kitty is sad, but I know she will adjust. And she has me around much more than she ever has before!
I have earned 11,000+ points on my BOA travel card. But if I redeem them for cash, I will only get $66+. They encourage customers to use them for travel to get the full value. I have to admit, at this advanced age, I have never redeemed points for flights. I so rarely need to fly. Is it difficult or tricky? I may fly to Florida when my grandson is born, but I will need to choose very specific flights/times.