2016 To Do Challenge - Page 153
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  1. #2281
    Registered User earlybird's Avatar
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    Good evening everyone - I am playing catch up again. This running is really hard to get used to for me who is always home. Looks like more medical treatment for relative in coming so my taxi service will be needed again. Not complaining at all --- happy to help.

    Not one thing for me at the thrift store today. i was alittle disappointed but i brought home all my money. stopped at indoor flea market to get some pork/veal hotdogs from one of the vendors and they are gone. Oh well, guess i didnt need those either. At least i got rid of 2 garbage bags of stuff.

    It is back to cold weather here. A misty rain most of the day. The coming week doesnt look very good but nothing like snow or bad storms so again i will be happy.

    hikr00 - those pictures were very pretty. it looks like a restful place. I think our travel this year will be to the zoo once a week. we get a yearly membership and try to go once a week. i would love to take an actual vacation this year but i am not thinking that will happen so a walk thru the zoo will do nicely.

    SD - i have got to make a gnomey. I love that guy. Is spaghetti salad like a cold pasta salad.

    ILC - is salmon croquette like a salmon patty. my mom and I were talking about salmon on thurs and i wrote it on my grocery list.

    I did get 3 loads of laundry done when i got home today. will get some more things done tomorrow. payday early because of the dates so i can get my may budget in order. i overspent in april so really going to watch closely in may. where is the time going? and why does it have to hurry there.

  2. #2282
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    Spirit Deer--I retired at 55. It was an adjustment, but I always said that I wanted to retire before I wasn't physically able to do the things I wanted to do or die. Well, I did and two years later I had my stroke. I say go for it. You can do it. Do the things you love.

  3. #2283
    Registered User Spirit Deer's Avatar
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    Thanks, GB. I sure wish my crystal ball was in working order. It would be nice to know what's coming. Or maybe not! Maybe just the good stuff.

    EB, here's the gnome pattern. I used yarn to make the beard because I liked that better. You'll need a Ravelry account to see the pattern, I think, but it's free and it's a safe site with the best search engine I've ever seen. There are lots of other gnome patterns on there, too.
    Ravelry: Simply a Gnome! pattern by Else Tennessen

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  5. #2284
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    Hey all up at this ridiculous hour trying to deal w/ DH leaving Sun. I wish i was more settled about it but its all just happening too fast. I hate having no say.

    Pinetree-the party was a hit.lol First chunks or salalmi and slices of kraft pkg. cheese. Then an angel food cake w/ peanut butter for frosting and dog cookies. They also got baocn.cheese and PB cookies. Mackey "opened" 6 stuffies from S.A. and a soft red blanket. Then they all got busy bones. Mackey lost after the party and was on the couch guarding the blankie and 2 stuffies. But after a short time out he was back on track. Everyone is sleeping well. It was hilarious for the most part and cost me $15. Dh and DD got a kick. Hunter took the purple long dog and ran around w/ it. Mikey grabbed a lg. squeaky stuffed frog. Yogi layed on the turtle but Mackey took the bear and other doggie. We are just nutty here. But its harmless fun.

    Need to do something fun w/ DH tomorrow. Maybe we can drag food to the park even if we have to sit in the car its a change of scenery. Well back to sleep-I hope.

  6. #2285
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    FW that party sounds fun and now I want to throw one. But neither dog is into toys. We could have cheese burgers, doggie cake and bones. My family would think I've lost it (I lost it a long time ago!).

    I've had a nasty head cold but I think it finally broke this morning.

    I've run into problems with the crappy long term disability policy from work and am not counting on ever getting it back. Which means I'll be living on 22k a year starting now, vs 40+ something for another year and a half that LTD is supposed to be doing (technically they are supposed to continue until age 65 but everybody tells me you get two years max and then they find a reason to cut you off). So I'm kind of panicking. I'll make ~$1800 a month, low enough to avoid taxes, about $700 a month will go towards COBRA and medical stuff, that leaves $1100 for everything else. Then I lose COBRA in Jan and medical will go up until I hit the 2 yr mark with SSDI and can get Medicare. But that coincides with the 2 yr review from SSDI.

    I just feel so scared of not knowing what to expect in the future. I'm trying to save money hand over fist in anticipation but will still owe my divorce lawyer for dealing with DD's custody and I need to see an accountant about what to do about all the income from LTD that I paid 4k in taxes on but had to pay them 18k back when I got my SSDI settlement. I'm petrified to lose COBRA because the NY State plans are very costly and the cheaper ones don't take my doctors, I can't change doctors just for that. I feel guilty that I am not contributing enough here.

    I am thrifty and can live on little but my parents aren't that thrifty and have services here I cannot afford to pay for, like Tru Green for example, or a $300 water bill for the automatic sprinklers. I let my grass go dormant every summer and my water bill was $30. I feel like we have to come up with an amt I contribute and it's fair. I used to feel like everything should be 50/50 but there are three of us so it should be 33/33/33, right? Or should it be based off of how much you earn? What you contribute is a pro rata share of what you earn? What do you guys think? They have been super supportive and have not asked for anything. I pay the power bill, the high cable/internet/phone bill and I pay for our cell phones. And try to do 50/50 on groceries.

    just a ball of worry over here, sorry to whine. If anyone else lives on $1800 a month and has tips, I am open.

  7. #2286
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    FW2--That party sounds like so much fun. I don't think you're crazy for that.
    Bernice--You CAN do it. I have over $20K in dr. bills. I make a little over $2K a month. My DH works still, but he doesn't help pay for my bills. He manages to pay the utilities and that's about it. We don't eat out unless I have free GC. I get free samples online and I haven't had to buy shampoo or order magazines in years. lol I cut coupons and buy what's on sale and have a coupon for. I have chickens and a garden, so my grocery bill is almost nothing. I do mystery shopping. It doesn't give me a lot, but it gives me a free meal and a little to spend on myself. Look at Ibotta and Checkout 51 to download on your phone. It is free and you get money back from things you buy anyway. I use it for my groceries. Ibotta gives you GC's and Checkout 51 sends you a check when you reach $25. Just a few things that I do.

    It will be humid today with all the rain that we have had. DH has gone to help DS build shelves in his garage today. I have my two classes today and then tonight, if weather permits, we are going to the Arts and Jazz Festival for a free concert. I just love free! Got my house cleaned and laundry done just about the time the storm came through yesterday. It didn't last long, but we got pea size hail, high wind, and rain. It is suppose to be sunny today.

  8. #2287
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    thanks, GB, I'll look into those programs. I've been using ebates and have done well with that by ordering things I'd normally buy in the store online and getting a percentage back. What is a good company to do mystery shopping for?

  9. #2288
    Registered User Tine's Avatar
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    Today:

    Cook dinner - It's in the slow cooker.
    Bake cinnamon rolls - they are ready to go in the oven in a few minutes.
    Clean bathroom - we still need to vacuum the floor.

    Out guests will be here in 20 minutes.

  10. #2289
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    Bernice-doesnt seem like you have too many expenses. I am assuming the $2000. is net. Thats $500. a week. You arent running a car? and dont have a house payment or taxes? So if you pay 1/3 of the utilities and food besides meds/medicare or Obamacare. What else is there? You said something about legal fees.
    We run this entire household w/ all these animals/taxes/ins.,2 cars,and $1741. in COBRA plus another $120. in meds a month for $5000. and sometimes less. Oh and cable which costs a fortune IMHO. We have 3 people and DD does the best to pay her way but we prob. support her about 20%. You will have to give up any and i mean any extras. We dont tithe,belong to clubs,go to movies or pay for entertainment for the most part,no interest or banking fees,no subscriptions and no gifting right now. Every trip is more than 1 place and no goodies online,no gas station treats,every meal is planned to maximize leftovers,no makeup,1 hair cuts a year for me and 4 for him,2 oil changes a year for the van and 3 for the new car.. We dont hire anything out at the moment. YOu have to examine and reexamine every little thing. I will be making ice tea at home from now on,taking food and drink when I need to go to the dr's and that,grilling 2 dinners at once and using the toaster oven more.


    What you parents do to waste money is not your responsibility. Work from your own situation. Hugs.
    Just wanted to add that fear is a marvelous motivator and it is why I had saved 6 months income so quickly and how i retaught myself what i really "needed".

  11. #2290
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    Need to try and mow the lawn today-super frowns. DD is at work and Dh so cant. Didnt sleep last night and I just want to go back to bed-Whinnne!

  12. #2291
    Registered User earlybird's Avatar
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    good morning - sun is trying to shine alittle.
    SD - thank for the pattern link. I go on ravelry sometimes. I am bring the yarn back from my sisters today so i think i will get myself a gnomey going.

    fw - sounds like the party was a success. it sounded like it was fun for everyone.
    you husband will be back home before you know it. I dont like when things happen fast either.

    Bernice - hope your cold leaves soon. Once you figure out just what you will have to live on make a budget and write everything down. Then you can see what amounts you can contribute in different areas. Its hard because you cant know whats coming.....

    We live on about 2000 a month including everything. I do have some cc's that i am getting paid off slowly. We have 1 car, insurance, just rent for apt. so no house expenses. My husband golfs and I like do to a few crafts but thats really all. we have a low end cable program and internet. thats really our entertainment. we go to the library all the time for dvds to watch. we get a zoo membership. our exercise is walking at the cemetary. we do eat out but its mostly from the dollar boards. i do surveys and then get restaurance gift cards to use. we knew when he retired that we wouldnt be able to do everything we did before but were ok with it. the worst thing in the coming years will be medical insurance. he is medicare + a supplemental. I however have to pay for mine and the price just keeps going up. i hate to say it but i cant wait to be 65 and have medicare. i will get social security at 62 so that will help. just have to get to 62 without going broke. i dont worry about it because you just cant..............it will take a toll if you do. we could have planned better but hindsight is always 20/20. i am truly thankful and happy with what i have.

    will be helping my sister today and thanking God for my health. I think we will do nice salads for supper.

    I was up early this morning so my to-dos are done. tomorrow i will get bathrooms cleaned and do a spruce up. hopefully we can walk tomorrow.

    fw is right..........you learn quick the difference between need and want.

  13. #2292
    Registered User pinetree's Avatar
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    FW, oh how much fun!! OH, I wish you had pictures!! Angel food cake & peanut butter huh, I might have to try that! I just made an angel food cake!! I am SO glad you did the party!! It sounds like the boys had a really good time too!! Did the puppy behave himself? LOL
    Well sounds like everythings back to normal, hes home, hes off, hes home, hes gone.
    I would mow for you, I use to do it all the time, but my stupid legs wont go that far now.. ugh... one day.. maybe...

    Tine, Yippee, WOW, it that one heck of a chocolate recipe!! I am going to try it for sure, but wondering if I can use a muffin tin, I dont have the little cups. Thank you so much for posting!!
    Have a wonderful evening with you guests!!

    Berince, we are living on about that amount, after we get done paying for insurance theres not much left, over 1/2 of DH's check pays it.
    If long term is messing with you get a lawyer, we had to fight for DH's all the way, theres so many cheating it, they think everyone is. Find some one who deals with Long term, that can help you.
    You will be ok, we are here to help, you dont have many bills, and you have been doing a good job lately,.First of all I would cut those sprinklers down, it only needs an inch a week. Sounds like you water everyday.

    Hi to everyone, hope you all have a great day.

    Today
    O-big fat goose egg, its still snowing and I dont feel like doing a thing, I might not even get dressed.
    Pine trees, with their needles pointing up to heaven, represent everlasting light and life.

  14. #2293
    Registered User ilovechocolate's Avatar
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    pinetree, if it was cold and snowy here I sure wouldn't get dressed, I'd just sit by the fireplace with a book.
    When oh when is the cold weather going to leave you??
    How did you sleep last night? Any nightmares? So sorry that's happening again to you. Can you get your primary care physician to send you to a sleep specialist? It could help.

    Bernice, I'd say do a percentage basis of earnings on expenses. Don't worry that you're not doing enough, you can only do up to a certain level. Besides, your parents aren't complaining, and you certainly help them both out as much as you can.

    SD, I've always heard that a financial advisor should be paid "fee only" rather than on commission of profits you make, the theory that he/she could steer a client toward riskier, but higher-profit, investments. Does that make sense, the way I phrased it?

    Tine, have fun with your guests, and way to go on beginning to pay off those student loans ahead of time.

    earlybird, yes, salmon croquettes are salmon patties. I use canned salmon, an egg, bread crumbs or uncooked oatmeal, a good bit of chopped onion, and pepper.
    I hear you about overspending this month---me too.

    Gbug, I hope the weather doesn't affect the free concert tonight. It's humid and rain is forecast here, too, for the next several days, then the highs should be only around 80 with lows in the 50s mid-week. We finally had to turn on the AC yesterday.

    fw, sounds like fun was had by all at the doggie party. Will you be glad when DH leaves for his trip so things will calm down? Do something fun for yourself while he's gone.

    Everybody else, hi, hope you're well!

    For Saturday:

    1) Go get free shake or frosted lemonade at Chick-Fil-A
    2) Make spinach salad
    3) Bake something (didn't do this yesterday)
    4) General reset of downstairs

  15. #2294
    Registered User Spirit Deer's Avatar
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    Yeah, that sounds right, ILC. That's a good point.

    We got the missing bolts replaced on the greenhouse using odds and ends Husby scared up in the garage, and got everything all tightened up and the big mound of dirt on the floor leveled out. I screwed the base to the footings so the framing is completely done now, and we put on the doors. Why the doors go on first has me puzzled but that's what the instructions say. I have to say I'm fairly impressed with this greenhouse, considering what it is. We're hoping to finish it today but I'd be surprised if we do. Everything always takes longer than you think it will. But it's going well so far and that's the best we can hope for.

    I decided I'm going to see if that big commercial electrical box I salvaged will fit in the middle of the floor. I dragged it home to make a table garden out of and it would be good for leaf crops like spinach and lettuce, I think.

  16. #2295
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    there are so many ways I could trim the fat on this household but they aren't interested in being super frugal. They worked hard all their lives and just want to chill in retirement. My biggest expenses are medical and that cost is unknown, especially after January, legal bills with ex (this should be coming to an end soon, since our youngest is 17), car insurance and then just the bills I take care of cable (high-my dad loves the expensive channels and he's done so much for me, he can have them), the cell phones and the utilities.

    I feel like I have to save $500 a month for my EF. I have 16k in there now, but will owe my lawyer.

    I had a great SSDI lawyer who I will use if Long Term Disability keeps messing with me. Oh, I also have to pay for a one time accountant visit, I'm hoping that's under $500.

    But I feel so guilty about paying nothing towards taxes here. I would owe 6500k a year and I just cannot afford that at all. I offered to move to low income housing or disabled housing but (thank God) they said no. They want me here and want to help and they count on the money I do contribute.

    Once I know all my final totals, I will do a budget, too much is up in the air right now.

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