CB in the City

It's the last day of June, and no spending today -- so time for my recap!

Housing - $769

Vacation/Travel - $456 (airline ticket)

Fees/Services - $212 (BestBuy service plan)

Utilities - $197

Gifts/Charity - $195 (two birthdays and care package)

Eating Out/Takeout - $49

Groceries - $47 (skipped two weeks, one because I was babysitting, one because smoke kept me housebound)

Household Supplies - $41

Phone - $38

Entertainment - $31

Gas - $26

Medical/Health - $26

Laundry - $18

Car - $8 (car wash and bargain car mats bought at garage sale)

Grand Total - $2113

Variables - 88%

It's always a good month when my expenditure is lower than my income. I can sweep $3000 into savings!

I calculated my expenditures while babysitting wrong. For some reason I saw $17 on the Subway receipt instead of $7. I didn't realize it until DIL reimbursed me correctly. So, anyway, I have wiped out those expenditures from my spreadsheet and my variables are now 88%.

I was planning on grocery shopping yesterday, but the air quality was too unhealthy to go out. Then I was planning on today, but there hasn't been much change. Now I'm so close to the end of the month, I may just skip it altogether. I have what I really need. Well, the creamer may not hold out, but I do have milk and sugar!

Using up things -- I made carrot soup yesterday. It took so long for the carrots to get soft that I ate something else instead and the soup is in the fridge waiting to be heated up for today's lunch. I also used up an apple by making apple pancake batter. I had apple pancakes yesterday and today and there's still more for tomorrow.

I'm getting stir crazy, and I'm glad I have a lot of books on hand for entertainment. With any luck, we will have rain today and that might drive away the smoke.

Oh, almost forgot! I have to pay $90 for my share of a legal fee to get our property valuation lowered. This will lower our taxes in the future, but I'm not sure if it will really make a difference to me, since I have a senior freeze exemption. I guess I'll find out soon. The funny thing is that I looked at this email in the middle of the night and my bleary eyes saw $9000 instead of $90.00. I was quite relieved this morning to verify what I knew must be true!

I just got home from spending a long weekend "babysitting" my teenage grandsons, while my son and his wife traveled out west. Everything went well, but I got pretty tired. I'm getting too old for this! I spent quite a bit, some of which may be reimbursed, but I'm not going to stress about it. I spent $64 on eating out & takeout and $13 on groceries. Well, I guess that wasn't so much after all.

I did not meet BFF for lunch as I had planned. Her car wouldn't start, so the meetup was a non-starter. Haha.

I didn't get as much sleep as I needed, so today is going to be a day of rest, except for catching up on laundry.

Variables are at 91%.

Since my last entry I bought a birthday present for DIL ($63) and have now spent 80% of my variables budget. That's unusual before payday, but payday is a little late this month, coming on the 21st.

My son continues to make slow progress, but he is getting better. There is no hurry for him to get back to work because -- get this -- they have eliminated his position! It has nothing to do with his illness or with his performance in any way. It's a reorg thing. But the timing is terrible. He doesn't need this stress. Oh, I should be quick to say, he is not losing his employment; he has been promised that there will be a job for him, they just haven't figured out what it will be. And it probably won't be at the same level. It is a blow, but not a bad one, and right now he is more focused on regaining his health than he is on workplace drama.

Tomorrow I'm going to meet BFF in the middle city for lunch. I'm a little worried about the drive. There is going to be a NASCAR street race on Lake Shore Drive on July 1 & 2, and they are already closing lanes and streets in preparation. LSD is the route I always take, so I think I'm going to have to figure out another way. Hope Google Maps is up to date on street closings.

Thank you all for your kind words about my son and his health crisis. I am happy to report that he is home and recovering well from his second surgery. It will take him some time to get back to normal, but he is young and strong and he will do it.

I bought a plane ticket to go visit him in mid-July. The ticket was $485. I've also spent $50 on a care package, $26 for gas, $12 for cleaning supplies, $4 for paper plates, $24 for groceries, and $6 for laundry. I have spent 72% of my variables budget, and that's not counting the plane ticket, which is coming out of savings.

I am finding that I am very tired now that everything is getting back to normal. I was so tense for such a long time while my son was struggling. Once I started to believe that everything would be okay, I sort of crashed. I am hoping to regain some strength in the next few days, because next Thursday I will be babysitting my local grandkids while their parents take a long weekend vacation. "Babysitting" doesn't quite describe it, since they are teenagers, but I will be there to keep on eye on things, making sure they are fed and showing up when and where they're supposed to. It will be good to spend some time with them!

I have had a terrible week. My son was sent home from the hospital too early -- sounds to me like the doc was anxious to get started on his vacation -- and he hadn't been properly monitored (IMHO), so a day after he came home he woke up in the night vomiting bile and went back to the hospital in an ambulance. He went back into surgery the same day and part of his colon was removed due to two blockages -- one caused by scar tissue and one section that just wasn't working. He also has some residual infection. A port has been installed so that any fluid buildup can be detected early. I am hoping and praying that he is now really on the road to recovery. I have had one conversation with him since the second surgery, and he sounds better. I think the new surgeon is a big improvement over the first, but who knows, maybe the problem just wasn't obvious before.

I have been frantic, beyond stressed.

Spending: $23 for groceries, $81 for gifts, and my Best Buy technology plan renewed for $212. And this morning I spent $5 at a garage sale for two car mats. I was planning to get Weathertech mats, but these are heavy and fit well enough and I think they are going to be fine. Saved me a lot of money.

Yesterday's spending: $25 for toilet paper at Sam's, and $2 for laundry. Variables are at 11%.

I forgot to report that last month's variables spending was only 54% of the allotted amount. A very good month.

My son in Oregon is in the hospital after an emergency appendectomy. Unfortunately, the appendix burst, so he is in a lot of pain and in danger of infection. I am very stressed about that. I am also stressed because I have several spots that the Urgent Care doctor wants me to have looked at by a dermatologist, with an eye toward a possible biopsy. I couldn't get an appointment before September 11! I am on the waiting list for anything earlier. So frustrating.

Vacation plans are on hold while these issues are sorted out.

Housing - $769

Utilities - $171 (low because gas bill did not hit this month, due to holiday)

Groceries - $100

Fees/Services - $40 (replenishment of tollway pass)

Vacation/Travel - $36 (short trip to brother's house)

Medical/Health - $33 (premium and band aids)

Eating Out/Takeout - $30

Gas - $28

Furnishings/Equipment/Decor - $24 (avocado keeper, mini-cooler)

Entertainment - $23 (streaming)

Laundry - $20

Household Supplies - $16 (dishwasher detergent)

Home Repair/Maintenance - $15 (doorknob set)

Clothing/Accessories - $12 (jeans from Goodwill)

Phone - $33

Car - $7 (car washes)

Personal - $4 (hair conditioner)

Gifts/Charity/Hosting - $2 (donations)

Fares/Parking - $1

Grand Total - $1364

I haven't reported any spending since the 15th, but actually I haven't spent all that much. I spent $21 on groceries at Aldi, plus another $4 for an avocado keeper (which worked fairly well -- the avocado still developed a brown skin but it was easy to scrape off). On Saturday I took a long walk and stopped at a favorite eatery, where I spent $25. I had enough leftovers for a second meal, but still, it seemed like a lot for a brunch. Today I spent $3 on a car wash, the second one this month. I'm trying to keep it down to once a month, but this morning my car was covered with some kind of sticky residue which must have come from the trees. It was gross. I've done a couple of loads of laundry ($4), and that's about it. Variables are at 45%. I think I'll be able to put $1500 in savings if there are no surprises.

I had a really nice Mother's Day, with a salmon luncheon prepared by the "chefs" at my son's house and a lovely cash gift of $100! I was going to put it in the bank but decided to hang onto it as cash, since I don't know how this debt ceiling thing is going to go. Even a small disruption in Social Security would make life difficult for me. I hope it won't happen, but I probably won't rest easy till it's all over.

Today I got a car wash ($4) and gas ($28) and bought band-aids ($7). Variables are at 38%, and we're halfway through the month, so that's good.

Great news came through today -- my son got a much-deserved and much-overdue promotion. He works for the Bureau of Labor Statistics. Now he will be tracking employment rather than product prices, and with a higher level of responsibility. The pay raise is not too impressive, but it puts him in another track where raises will be more frequent, and higher. He is very happy, and so am I!

I had a brief vacation at my brother's house in Michigan this past weekend. I hadn't seen him since Thanksgiving, so it was good to do some catching up.

I spent $36 on gas and food. Also, my IPass replenished automatically, and that was $40.

Yesterday I bought a new doorknob set for one of my interior doors. It was $15. I installed it myself; fingers crossed that it will hold!

Today I'm heading out for groceries. It is a $20 week, so I won't be getting much!

I can't believe April is over already! Here is how my spending went:

Housing - $769

Utilities - $220

Fees & Services - $201 (license plates, Sam's Club)

Gifts/Charity - $108 (Easter dinner, postage for donations, Wikipedia)

Household Supplies - $96 (water filters, laundry detergent)

Car - $89 (oil change, two car washes)

Clothing/Accessories - $70 (walking shoes)

Groceries - $45 (this was low because Easter dinner provided many leftovers)

Vacation/Travel - $44 (day trip to middle city)

Personal - $36 (toothbrushes, haircut)

Phone - $33

Gas - $26

Entertainment - $23

Laundry - $20

Eating Out/Takeout - $9

Fares/Parking - $4

Grand Total - $1819

Variables - 107%

This has been the lowest spending this year, despite the variables being high. No big ticket items. I transferred $900 to savings.

Yesterday I met BFF in the middle city for our monthly lunch/gabfest. I spent $44 for gas and food. Then I spent another $70 for new walking shoes. That was unexpected, and it put me over on variables (105%), but I really did need walking shoes, as my current pair is literally falling apart. The bad news is, I began to question the fit last night and took them back to my DSW this morning, only to learn that I couldn't exchange them because I had walked outside. Well, that makes sense, even though they look immaculate to my eyes. So I'm stuck with them. I will have to see how they will work out as walking shoes. If they don't, I'll have to demote them to occasional wear and get another pair for walking. That's a shame, since I really can't afford another pair. In the store, they felt perfect, so perhaps my feet swelled a bit.

With my variables overcharged, I'll have to spend nothing for the next few days. Glad it's only a few days.

I recently applied for the senior benefit access through the Illinois Council on Aging -- a renewal, actually. I've been receiving the benefit since I retired, but it has run out. To my surprise, I was denied because my income was too large! I checked my figures, and yes, I exceeded the threshhold by less than $500. It was that slight raise to Social Security last year that did it. Not the larger one this year.

Without the senior benefit, I have to pay the full price for my license plates - $151 instead of $25. Also, I no longer will be able to ride the trains or buses for free. I'll have to pay full price.

Most distressing, though, is that I don't know what it will do to my property taxes. I re-applied for the Senior Freeze Exemption before this denial came through, assuming that I still had the benefit access. I checked that box, not knowing I was soon to lose it. I am afraid that I will be denied the freeze exemption as well, and that could make a big difference in what I have to pay in property taxes.

It's disheartening. I'm obviously still low-income, just not QUITE as low-income as before. I know they have to draw a line somewhere, but being on just the other side of the line will make me poorer yet. I guess I should be grateful for the years I did get this benefit. Unless they raise the threshold, there's no way I will get it next year, with the larger increase in Social Security this year.

So I went ahead and spent the $151 for my license plate tags.

I was also automatically charged $50 to renew my Sam's Club membership. I guess that's okay; I do use it. But it came as a surprise, and I'm feeling awfully pinched. Variables are at 88%, with almost two weeks to go.

Tomorrow is my grocery day. I'm going to try to stick to necessities. Luckily, I have quite a few meals in the freezer.

Yesterday I got an oil change. It was $81. And I had a coupon! I also went through a car wash for $4.

Variables are now at 58%. I'm less than halfway through the month, so the spending is trending a little fast.

I had my family over for lunch and games on Easter Sunday. I spent $87 on food, which I logged on the Gifts/Charity/Hosting category rather than groceries. I have lots of leftovers, so this will affect my grocery spending. I believe I will skip it tomorrow. I don't think there is anything I really need. 

I ate some leftover salad yesterday, which was already dressed and tossed. I believe it gave me diarrhea. Anyway, I had quite a time in the night. I have to learn not to eat food that is questionable. My digestion is so much more sensitive than it used to be!

I grocery shopped this morning. I was planning to spend $25, since there are four Wednesdays in the month, but I went over by $3. I'll make that up later. I also bought Easter cards ($4) and I spent .50 on parking. Variables are at 24%.

March is going out like a lion. Severe storms with possibility of tornadoes forecasted. I may be spending the night in my closet. (It's large.)

Here is how the month's expenses shook out:

Housing - $769

Taxes - $561

Car - $515

Utilities - $237

Clothing - $149

Gifts/Charity - $112

Insurance - $108

Vacation/Travel - $68

Groceries - $58

Medical/Health - $41

Eating Out/Takeout - $41

Household Supplies - $36

Phone - $32

Gas - $26

Entertainment - $25

Laundry - $14

Personal - $13

Furnishings/Equipment/Decor - $10

Fares/Parking - $2

Grand Total - $2817

The taxes were the first semi-annual payment of my property tax. The car expense was new hubcaps and minor body work, as well as a wash. The clothing expense was a whole set of new bras. Gifts - some early shopping for Christmas and birthdays, as well as a little charity. Household supplies were office supplies. The other stuff is not worth remarking upon.

EXCEPT - how about those groceries! I can hardly believe I spent so little and yet I have plenty of food on hand. I just don't have too much. That is the big difference. I have been buying too much, and then struggling with how not to waste it. I have learned a big lesson here.

Edit: A few things didn't get counted.  I have made some corrections.  And an added note, variables were at 96%.

I went to Aldi today -- twice, it turns out, because I used a kiosk where someone had already scanned a couple of items, and I was charged -- I had to go back. They refunded me and were lovely about it. Anyway, I spent $19 and I got pizza dough, tomato sauce, sausage, peppers, shredded Italian cheese, creamer, mayonnaise, tuna and crescent rolls. I spent another $12 on Easter candy and stocking stuffers which are logged as gifts. Variables are at 95%, and I hope I'm done.

Tomorrow a nurse practitioner is visiting on behalf of my insurance provider. I do this every year. They come in, ask many questions, do some tests, check out my prescriptions and the safety of my home, and I get a $15 gift card. I actually appreciate having another person on my health team, and they benefit because they catch a lot of conditions before they get too bad (and too expensive).

As the month rolls slowly toward its end, I continue to spend small amounts, which have taken my variables up to 91%.  I spent $15 on my newly-named Compassion Fund -- $10 went toward the care of a neglected dog, and $5 to a homeless man. I spent $9 on two bottles of hand wash, and $4 on a Happy Meal. I don't expect to spend anything for the rest of the month, other than laundry, and that money comes out of the change jar (though I do count it in variables). Also my scheduled grocery trip the day after tomorrow. It looks like I should be able to sweep $2K over to savings.

I started feeling better yesterday, so I went to the grocery store (Aldi) after all. I spent $19, and I bought biscuits, raisins, butter, eggs, Swiss cheese, coffee, and French fried onions. With the latter, I made three small green bean casseroles. I ate one yesterday and the other two are in the freezer.

Today I picked up a prescription at Walgreens, which was $15. Variables are now up to 80%.

Lights are still out in the laundry room, so I did laundry in the dark. Well, with the door to the outside propped open. I hope they figure it out soon.

Yesterday I mailed my package -- $10 -- then stopped at a Hallmark store and did a little Christmas shopping. I'm determined I'm not going to leave it all to the end of the year this year. I spent $47 there on stocking stuffers, some things on sale, some not. Then I bought lunch at McDonalds - $4. I have learned that Happy Meals are just about right for senior citizens. Except for the toy. That I give to Goodwill. If I ask the McDonalds employees not to include the toy, it seems to thrown them off.

Speaking of Goodwill, so far this year, on my walks around town, I have found two abandoned hoodies and three t-shirts. They were all crumpled and wet, and dirty, but I picked them up, and after soaking and washing, they have come out like new. I take them to Goodwill after I get them back in shape. All are small sizes, so I'm guessing that kids peel them off when they get too hot, and they leave them, and their moms say "Where's your shirt?" and they say, "I dunno." I suppose there's a chance someone might go back looking for them, but I think they don't bother. So I hope I'm doing a service. I know if the city maintenance crews pick them up, they'll just go to the landfill.

I was planning on grocery shopping today, but I'm going to do it tomorrow instead. I'm not feeling my best and I think it will be wise to stay home.

I was going to wash clothes, also, but there is no light in the laundry room. Blown fuse, probably, but I don't know where the fuse is. So I notified maintenance, and I think it's just going to be one of those days of relaxation.

Variables are at 75%, and less than a week to go.

My day at the museum was much cheaper than I expected, thanks to the generosity of my friends. Unbeknownst to me, they expected that I would be admitted on their ticket, as they have a membership which admits two guests. Meanwhile, I went ahead and bought admission online. When we met and talked over what had happened, they insisted on taking me to the ticket window to get my money back. Well, as it turned out, they had to count two of their kids as guests, so I wasn't a freebie after all. Which was fine with me. But they wouldn't hear of it -- they said it was their invitation and I was their guest, and they gave me cash for admission and paid for my parking, too! I was really blown away. I spent only $15 while I was there. It was a good day, lots of fun. A bonus was that I ran into my niece and her family while there. They live in Michigan and it was quite a surprise!

Today I walked to the post office to mail a package, but their computer wasn't working and the clerk could not even open her drawer. So I walked the package over to Walgreens, but I couldn't mail it there because I didn't have a FedEx label. So I spent nothing today. Tomorrow I'll take the package to a different post office, but I won't walk there!

Pay day was on Wednesday. I paid my property tax - $562 - the first of two payments this year. I also went to Aldi and spent another $10 on groceries. My previous shopping, at Food4Less, yielded two boxes of crackers, granola, and bread, for $10. Plus I spent an additional $4 for lotion, which comes out of another bucket. At Aldi, my $10 bought lactose-free milk, mushrooms, onions and creamer. It seems like I am buying less and less with the same amount of money. But since I skipped grocery shopping on the first two Wednesdays, and I seem to have plenty of food on hand, I'm not worried. I am learning that I used to buy way too much!

Tomorrow I am going to a museum with a friend and her family. I do not have a membership, so it will be expensive, but it will be a social outing, which I sorely need. I need Spring, too! It's another cold, windy day in the windy city.

It was quite a saga yesterday, looking for hubcaps. I finally decided to go with the expensive but sturdy hubcaps from the dealership, since even the people selling the cheap hubcaps couldn't recommend them. Since I bought four, they gave me break on the price, but it was still $399. But they have been installed and they look great, so much better than what I had before.

I've also gotten the front bumper fixed. The body shop jerry-rigged it with a combination of glue and wire, and they are pretty sure it won't pop up again. But if it does, I am to take it back. That was $112 for labor.

I'm starting to feel more easy about the car. Next month I have to get an oil change, and I'll have them check the rear brakes to see if it's time yet. Once that's done, I'll have addressed all the issues except the unsightly hole in the floor carpet. I'll spring for a good Weathertech mat to cover that, and I'll get a matching mat for the passenger side.

I went through the car wash today with no issues, so I think I'm good to go!

In other news, while I was waiting for the car repair to get done, I spent $10 on groceries and $13 on lunch, as well as $4 on a bottle of body lotion. Variables are at 60%. The cost of the hubcaps went on my Big Ticket spreadsheet, so it doesn't affect the variables.

I looked at my Discover card account online this morning, and the pending charge to Ancestry.com was gone. So I went to Ancestry's site and cancelled. That didn't really help, since my cancellation date is a year from now, so they're still going to charge me. They must be having some glitches with their billing. We'll see how it goes. I don't really care either way. If I still have a year to play with it, I'll get some things done. If they don't charge me and I can't do those things, that's fine, too.

My insurance company withdrew $108 for coverage for the new car.

The new Netflix payment hit; it's $16.

My Discover account re-ups tomorrow, so I'll start taking care of some car stuff. I lost a hubcap on my trip. It looks like I cannot get just one to match my current (cheap plastic) ones -- I have to get a whole set. I guess that's what I'll do, as better hubcaps are quite expensive, and frankly, I'm not sure they wouldn't get stolen, since my car sits out on the street overnight, and thieves are clearly operating in the area.  I also want to address the front bumper which is not locking into place as it should.  I'm afraid to go through a car wash. I think the bumper would separate. Forgive me if I'm repeating! This has been on my mind for a while.

Variables are at 36%. I haven't spent anything on groceries yet!

Before I left on my weekend trip, I felt a painful spot between my breast and my armpit. I wasn't too worried, but I went to Immediate Care to have it checked out. The doctor verified what I already thought -- that it wasn't really a lump, it was irritation from the underwire in my bra. She suggested that I replace my bras with better fitting ones with no wires. So in the next few days I bought six wireless bras, very comfortable and yet supportive (Bali Comfort Revolution). The total cost was $143, or about $24 each. If you've shopped for bras recently, you'll realize this was a very good price. That's why I bought six when I had the chance. This was an unexpected expense, but oh well.

The cost of my trip to Indiana was $67, for gas and food. I also did a little fun thrift store shopping for $19, buying a hoodie, a gift, and a few things for the house. 

I came home to find my property tax bill in the mailbox - $561 (semi-annual payment) and then when I checked my bank account I saw that Ancestry.com had withdrawn my subscription fee, which is now $229. I was going to cancel this year, but obviously I did not get on that soon enough. So I'm feeling a little overwhelmed.

Anyway, my trip was fun, and the play -- Guys and Dolls -- was so good! It was hard to believe it was a high school production! Way above my expectations!

May I have very few months like this one! My total spending was not only above income, but above several months' income.

Of course, the main reason was buying a new (to me) car. But that wasn't the only thing.....

Here's the recap:

Auto Expenses - $7548 (down payment, repairs)

Housing - $769

Utilities - $234

Medical/Health - $204 (Urgent care, x-ray, MRI, prescription)

Gifts/Charity - $107 (birthday, gift to AHA)

Groceries - $101 (inclues Girl Scout cookies)

Vacation/Travel - $37 (day trip to Indiana)

Gas - $33

Phone - $32

Furn/Equip/Decor - $32 (Goodwill finds, new phone holder for car)

Eating Out/Takeout- $30

Laundry - $18

Entertainment - $17

Personal - $15

Clothing/Accessories - $7

Fares/Parking - $3

Grand Total - $9187

My car cost was offset by a generous $2K gift from my ex-husband, plus he paid off the balance beyond my down payment and trade-in. I am very grateful, as there is no way I would have been able to swing a new car on my own. Of course, it is not a new car; it is used. But I hope it will be the last car I have to buy.

I hope March will not bring so many surprises. I do have one nice thing to look forward to -- I'm going to go down to BFF's house for the weekend, where I'll go see her granddaughter in a high school production of "Guys and Dolls." Should be fun!

Yesterday I met BFF in the middle city. We had lunch and took a long walk in the mall. The lunch was $16 and I had enough leftovers for two more meals. I also spent $22 on gas, and I bought earring backs at Claire's for $7. I also bought a cable for charging my phone in the car, but it was the wrong one, so I returned it.

This morning I did my grocery shopping at Mariano's since I needed popcorn. I spent $32, and in addition to the popcorn I bought apples, crackers, 5 cans of soup, pudding, English muffins, eggs, and dairy-free "alternative" yogurt, which I'm trying out for the first time. Prices were noticeably higher than at Aldi, but you just can't get everything at Aldi. That should complete my grocery shopping for the month, bringing the total to $91.

The other day I donated to the American Heart Association ($40) in response to a request from my granddaughter, who's doing this for school.

Variables for the month so far are at 59%.

My TV is not working today and none of the fixes I Googled are working either. It's probably time to dump Xfinity and just go with streaming, but I would have to set up internet access before cancelling. The internet is still working. I'll probably go with RCN (now Astound). It seems to be popular in this area, and it's what my son went with. But I'm just not in the mood to deal with it now, so I'm procrastinating.

It's been raining all day and we are expecting to get freezing rain as the temperature drops. I'm glad I got my errands done this morning. I'm going to hibernate.

I woke up from a nap with a pain in my eye, so I immediately went to the eye doctor. He determined that the pain was caused by a small abrasion, most likely the result of dryness. He told me to get Systane eye drops. I went over to Walgreens and got the drops - $14. After a day of use, my eye is feeling much better. The visit to the eye doctor was free, because I had a debit card provided by Medicare Advantage, to be used for medical costs not covered by the plan. It's worth $250. This was the first time I used it. I wonder if I could have paid for my x-ray and urgent care visit with it -- or if it is just for eye and dental. I'll have to check on that.

Variables are now at 43%.

I got a notice from my insurance company that my new car will cost me another $117 semi-annually. It was not a bill. That will come soon, I'm sure.

Edit: I checked. The card is just for dental, hearing and vision costs not already covered by the plan. Still, a great benefit!