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Almost at Goal

November 5th, 2016 at 09:40 am

Health:
Breakfast - Coffee and a biscuit
Lunch - Not sure yet
Dinner - BBQ (DH is grilling tonight)

I completed one inspection today so that is $50 for me.

Savings:
I decided to combine my emergency savings with my healthcare savings. The healthcare savings was really another emergency savings for the days I take leave without pay. The amount in that pot of money was at $190. So as of today I am a tad over $100 away from my $1,000 goal. I transferred $700 to Capital One 360 so it would grow a little bit faster because the interest rate is .75%. My credit union rate is .25%.



Spending and Saving

November 4th, 2016 at 05:13 am

Health:
Breakfast - The usual
Lunch - Leftover quesadillas
Dinner - Black beans and rice

Yesterday's Spending:
Walgreens = $22.97

Savings update:
$25 automatic deposit to savings on payday
$16.69 dividend check from Publix
$41.69 total deposit to savings

Has anybody heard of the 21-day fix containers from Beachbody? Walgreens has the el-cheapo version for $9.99 plus tax. I bought that on a whim along with some stuff I planned to buy.

Here is the link to the 21-day fix https://www.beachbody.com/product/fitness_programs/21-day-fix-simple-fitness-eating.do

Analyzing Last Year's Spending Trends

November 3rd, 2016 at 04:44 am

Health:
Breakfast - The usual
Lunch - Scrambled eggs on toast and a banana
Dinner - Homemade chicken pot pie
Snack - Back to Nature Multigrain Flax Crackers and a coke.
Fitness - 30 minutes cardio and 30 minutes personal trainer.

Yesterday's Spending:
1-liter Coke = $1.07
Gas = $20
Check for niece and nephew's birthday = $40
Total = $61.07

According to Mint.com, here are my Spending Trends from last year (2015):

Category Spending
Uncategorized $8,390.50
Auto & Transport $6,065.27
Home $3,662.39
Bills & Utilities $3,565.28
Fees & Charges $3,080.93
Education $2,314.57
Food & Dining (most purchases) $2,092.08
Business Services $1,750.35
Shopping $1,417.68
Health & Fitness $1,315.34
Gifts & Donations $340.00
Personal Care $80.97
Entertainment $71.05
Misc Expenses $16.00
Total $34,162.41

I'll have to examine the uncategorized and miscellaneous spending in particular to figure out what that is. But this gives a picture of what my annual spending is. If I am to put together an effective emergency fund and retirement fund, this is a good place to start.

Savings Recap for October & Food Flakes

November 2nd, 2016 at 05:07 am

Health:
Breakfast - The usual
Lunch - Leftover quesadillas (from last night's dinner) and a pear
Dinner - Chicken and rice
Snack - Back to Nature Multigrain Flax Crackers with some low-fat cream cheese.

Savings Recap for October:
Starting balance = 412.89
Ending balance = 687.00
Total savings deposits in October = 274.11

Some deposits were snowflakes (money from my aunt and my dad). The rest was on my own.

Goal for November = 100.00 (2 paydays).
Goal for December = 213.00 (3 paydays).

Food Flakes (total = $22.20):
From some coworkers, I received ...
a box of Kashi Teff Thins Crackers valued at 4.19
a box of Back to Nature Multigrain Flax Seeded Flatbread Crackers valued at 3.49
three lbs of Seattle's Best Medium #3 Coffee valued at 4.84 each or 14.52 total.



Interest

November 1st, 2016 at 04:51 am

Health:
Breakfast - grilled cheese, coffee, Good Belly
Lunch - overnight oats and orange juice
Dinner - not sure yet
Fitness - 30 minutes cardio (that's the plan) and 30 minutes personal trainer.

Well, today is the first of the month and I got my interest payout of a whopping 11 cents (.25%) in my savings account. At least that makes a nice round number of 682.00. My goal is $1,000 by December 31st so I have five more paydays to go (two in November and three in December).

I lost track of my change jar total. I've been adding here and there.

Side Income

October 31st, 2016 at 08:52 am

HAPPY HALLOWEEN!

Health:
Breakfast - The usual.
Lunch - grilled cheese, banana, pear
Dinner - beef stew and rice
Extra food - Halloween candy
Fitness - getting up off the couch several times to open the door to trick-or-treaters.

Well, today is the last day of the month and it is payday for DS1 who does a lot of the inspections. I managed to do three. He did 11 inspections and one shed tear-down and haul (with DS2 as his helper). Needless to say, he had a very good month.

In total, I earned from the side biz $150. He earned $625 and his brother earned $75.

DS1 is in college and has pockets during the day he can do these jobs. The schedule has evening and Saturdays open but most people opt for mid-day during the week.


Emergency Savings Update/Snowflakes

October 28th, 2016 at 07:14 am

Health (Yesterday):
Breakfast - The usual.
Lunch - Grilled cheese sandwich and a coke
Dinner - Fettuccini Alfredo with shrimp
Extra food - 2 snack cakes
Fitness - Cardio for 20 minutes and personal trainer for 30 minutes

My dad gave me $40 towards gas (even thought I told him several times it wasn't necessary).

My aunt gave me a gift of $70 cash.

I paid back DS1 $20 because he put gas in my car while we were away.

I spent $10 on junk food and lotto (basically I threw it away).

So I have 80 "snowflakes" left which I deposited in my emergency savings account. My sidebar is updated.

Getting Back to The Swing

October 25th, 2016 at 05:35 am

Today's health:
Breakfast - Scrambled egg and toast, coffee, good belly.
Lunch - TBD
Dinner - TBD
Fitness - Personal trainer at the gym

My expenditures from the weekend trip were minimal. My parents paid for the hotel rooms and food. I paid the rental car and fuel. They wanted to pay all of it but I put my foot down on that. The hotel and food was way plenty. I haven't tallied everything yet but I estimate about $500.

The weather could not have been better. It was cool, crisp and dry - not typical.

At the hotel on Saturday morning, there were four iguanas sunning themselves and roaming under tables while people ate breakfast. It amazed me at how they were unfazed. I asked a family that came inside after awhile if they were bothered by the iguanas and they said that where they are from, they are like chickens and they eat them.

My thoughts for those considering moving to South America as an expat to retire, spend some time in Miami just for a taste of the lifestyle because, trust me, it is different!

Over Halfway

October 20th, 2016 at 04:40 am

Health:
Breakfast - The usual
Lunch - Salmon with cream cheese on toast
Dinner - 2 slices of pizza
Snack(s) - banana and a pear
Fitness - nothing

I was able to add $44 extra to my savings this payday in addition to the $25 that I automatically transfer which put me over $600. I know that I can put in $25 per pay day and I have five paydays left which is $125. That would leave an additional $250 I need to find to reach $1k by December 31st.

I have an to do today inspection today (side hustle). DS1 has been doing nearly all of them so I need to get on the ball.

Tomorrow we depart for Miami (finally)for the weekend. Teacher planning day is tomorrow so I'm taking DS3 along with my parents. DH and DS1 & 2 are staying home.

The reason for the trip is to see my uncle with Alzheimers. My dad is the oldest living sibling and my uncle is the youngest son. I think they are about 8 or 9 years apart. My aunt from NYC is here to sit with my uncle (my mom's brother).

I am renting a car instead of booking the train. Last time it was 8 hours late. Though my mother would rather take the train but I can't stand it. It's boring and it feels eternal. I would have a hard time with delays. Its a 6 hour ride by car and a 9 hour ride by train.

Lame Supper

October 19th, 2016 at 09:15 am

Health:
Breakfast - The usual (overnight oats, good belly, orange juice, coffee)
Lunch - can of fruit cocktail, chicken salad sandwich
Dinner - Tater tots.

My mom fed DS3 leftovers from their last night supper after school. DS2 ate a large and late lunch at school. DS3 was still at school come supper time (but he packed a substantial lunch including snacks). DH and I were not particularly hungry. So as a totally dysfunctional and lame attempt at a masquerade of a supper, DH put some tater tots in the oven.

What can I say? Some days are like that.

In other financial news:
We received our checks from our clients from last month.

DS2 received a refund check from the college for a course that he dropped.

Yesterday was a no spend day.

Surprise Gifts

October 18th, 2016 at 04:47 am

Health:
Breakfast - Overnight oats, coffee, good belly, orange juice
Lunch - chicken sandwich and diet Snapple (I bought a case at the thrift store for $1.00 ... yes... 24 bottles for a buck)
Dinner - beef stew, beans, and rice

No spend day yesterday.

Anyone heard of "Birchbox"? My co-worker subscribes to receive beauty samples for $10.00 a month. She gave me samples that she says she knows she wont use and gave them to me in one of their cute boxes.

In the box:
Amika Dry Shampoo and Conditioner
Lip Laquer lip gloss
Brazilian Bum Bum Cream (LOL!)
Purifying 2 in 1 Charcoal Mask
Dr. Brandt Pore Dermabrasion Exfoliator
Dermae Sunscreen SPF 50
Marcelle Liquid Makeup Remover
Briogeo Don't Despair, Repair! Deep Conditioning Mask (for hair)

I may give this box away as a gift to my uncle's neighbor who has been so helpful caring for him. I'm keeping the lip gloss though.

My aunt also gave me a lip gloss last night and it gives a gold tone to my lips (elegant).


Stuff to Do Saturday

October 15th, 2016 at 05:46 am

Health:
Breakfast – Omelete and toast, coffee, Good Belly and orange juice
Lunch – Fish and fries
Dinner – macaroni and meat
Extra food - Chocolate candy

Spending :
Gas = 39.45 yesterday
Today will be spendy

This morning, I will take my uncle to his doctor (he is open on Saturdays).

Then my aunt, my mom, DS3 and I will go to lunch and shopping. I need to pick up a replacement cell phone for my uncle and I wanted to buy one for my aunt. I need to research a frugal plan for her.

DS1 and DS2 will be going to a property mid-day to dismantle and haul away an old shed. DS1 is out now doing a home inspection (scheduled for 9:00 am). Then DS1 has to be at his part-time job later at 4:00 and comes home around 10:00 pm. I know he’ll be exhausted.

DH and my co-worker are friends so they are going a couple of hours south of here to my co-worker’s mom. She is in her 90’s and had several falls lately. So they are going to pick her up, secure the home, and she will stay with him until they find a better solution for her (round the clock care).

No Spend Day

October 14th, 2016 at 04:44 am

Health:
Breakfast - Overnight oats, coffee, Good Belly and orange juice
Lunch - Assistant manager did a cook out so I had boston butt roast, baked beans, potato salad and coconut cake and Coca-Cola. (Healthy? not!)
Dinner - 1 plain hot dog without the bun
Extra food - Chocolate candy and wine.
Fitness - went to the gym/personal trainer

Yes, yesterday was a major eating disaster. It will be better today.

Other than that, yesterday was a no spend day.

Today, I need to buy gas which will set me back between $35-$40)

Tomorrow, I will take my mom and my aunt shopping and I will need to pick up a replacement cell phone for my uncle since his died a couple of days ago, and I want to buy a basic one for my aunt. My uncle will reimburse me but the one for my aunt will be a gift.

That's pretty much it for now.

Tragic Update to Yesterday

October 13th, 2016 at 08:18 am

Not financially related but extremely upsetting. My last entry, I mentioned that I treated my family to lunch yesterday at the Golden Corral. We were there around 2:00 pm and left before 3:00 pm.

At 5:00 pm that same day (yesterday), a man came in to the very same restaurant location and set a woman on fire. She is now in critical condition. Apparently the victim was in a relationship with this man.

The irony is this. I normally don't look at someone's nametag, but I think this may have been the lady who was the server at our table.

Here is the news story: http://www.news4jax.com/news/woman-working-on-grill-at-golden-corral-suffers-burns

Prayers for this lady.

Exhausting Day

October 13th, 2016 at 04:47 am

Health:
Breakfast - Overnight oats, coffee, Good belly and orange juice.
Lunch/Dinner - Golden Corral (spent $65.00 there)
Snack - none
Fitness - nothing

I left work at 10 am to pick up my aunt and my cousin who "escorted" her through the airport and rode with her on the plane. He is a retired NYC police officer so she could not have been safer. So I took them over to my mom's, then my uncle's, then went to buy some lunch for my uncle, and then we had lunch at Golden Corral. I treated my sons, my aunt and my cousin. My parents did not want to go.

My cousin wanted to fly right back to NY since he works tomorrow which interfered with taking my son to his therapy appointment. The only solution was my cousin to come along to the therapy appointment and then we take him to the airport afterwards. He made his flight on time.

My town is enormous and all that driving made me so tired! After that I check in with my mom and my aunt to pick her up (my aunt) to take her to my uncle's house [are you guys following so far or did I lose you two paragraphs up?] I helped settle her in and I gave her my uncle's house key and then I went home, got in my bed clothes, flopped on the couch in front of the TV and zoned out for the night.

I'm so glad I'm at work today because I get more rest here than at home sometimes.

Little Splurge

October 12th, 2016 at 05:41 am

Stopped at Wendy's for a Frosty Float. So good! $2.78.

Did my one inspection and there were trees down all over including on the roof. The place was already condemned and slated for demolition anyway. I didn't enter but I have a feeling that my client wants me to. I encountered that issue with another property before and I fought it. They still paid me. But honestly, why would you want an interior inspection on a property that is condemned? It doesn't matter anymore if there is damage or not. The city has determined the structure to be unsafe and uninhabitable. I would think that the municipality's warning signage is enough.

While at the property, I accidentally locked my keys in the car and I could not find my little magnetic box with the spare under my car so I had to call DH for rescue. He was on his way to his side gig so I caught him in time before he got too much further. He found it and placed it where I could find it. Crisis averted!

Did my workout at the gym and some laundry. That was my day.

Extra Income

October 11th, 2016 at 04:44 am

Health:
Breakfast – Overnight oats, Good Belly, Orange Juice, Coffee
Lunch – Chicken breast sandwich
Dinner – BBQ Pork Tenderloin and tater tots
Fitness – Gym and personal trainer

Financial: Several developments came about yesterday.

I received a work order for an inspection from a client that hasn't sent one in a couple of months. That one should pay $25 and luckily it is near my neighborhood. I'll do this after work.

A potential new client is a landlord who needs help cleaning out his rental properties and preparing them for new tenants. We will meet with him at one of his vacant properties which is ready for work to provide him an estimate.

A work order from another client to remove a shed. My husband will decide how much to charge and will likely do the work on Friday or Saturday.

And my son has one inspection tomorrow, three on Friday and one on Saturday. That is a total of $250 that will go in his pocket at the end of the month. We pay him the full amount on any inspection he does.

That should help build up the account very nicely!

In other news, my aunt was supposed to fly in from NYC to help us with my uncle but then came the hurricane. So she is flying in tomorrow. I can't wait to see her! I love that woman because she is like a second mother to me.

Paying and Saving

October 10th, 2016 at 06:18 am

Well now that the hurricane is gone and things are back to normal in my world, I need to get back on track on my finances, my eating habits, and my fitness.

Health:
Breakfast – Overnight oats, Good Belly, Orange Juice, Coffee
Lunch – Chicken breast sandwich with chips and a coke
Dinner – Beef Stew and rice
Fitness – Thinking about fitness

Financial:
Good news is that now I am over half way toward my $1,000 savings goal. $25 is automatically deducted from my checking account and deposited to my savings account each payday. Last payday, I was able to add an additional $100. This payday, I was able to do the same. If I can continue this steadily, I could reach my targets in 4 more paydays (2 months).

Well, the wheels are turning on how to build upon that. However, there is still the debt to tackle. By the end of the month, CC1 should be under $14k.


We Are Safe!

October 9th, 2016 at 07:05 am

Just a quick update on Matthew and some quick facts:

We live in the southwestern side of Jacksonville, Florida (Duval County) and in Evacuation Zone D - the SAFEST area!

No flooding and no loss of power or cable tv in our neighborhood.

Some trees downed from the roots. At my house and my parents and uncle's house, only some small branches.

Evacuations mandatory for zones A, B and C.

The beaches area was zone A and we lost our pier which was rebuilt after Hurricane Floyd. The dunes are completely wiped out. Part of A1A south (highway along the beach) of us in Flagler was torn apart and is unpassable.

Our family and neighbors were very blessed and fortunate and I have prayers of gratitude.

Many many others are devastated and I pray for their quick recovery.

Thanks everyone for your thoughts during this very stressful time!


Storm Readiness

October 6th, 2016 at 05:16 am

Fueled up cars
Bottled water
Ready to eat meals
Snacks
Beer
Wine
Sodas
Charged up phones and tablets
Secured patio furniture, trash bins, and plants
Caught up on laundry
Medicines ready
Stocked up on toilet paper
Batteries for radio and flashlights
Candles and matches
Books and magazines
Cleaned the house

Now we wait.

Spending and Matthew

October 1st, 2016 at 05:55 am

Health:
Breakfast - coffee
Lunch - 1 slice bacon & 1 egg on 1 slice toast and green tea
Snack - apple
Dinner - International potluck at church. I’ll bring spaghetti & meat sauce because its what I have on hand. I’m going to keep away from the dessert table because I gained a lot of weight in the last couple of weeks due to stress.

Spending (Start $70, End 18.52):
A flat of jumbo eggs = 3.99
Chicken nuggets (not the frozen Tyson’s type) = 4.50
Gas = 35
Haircut = 7.99 (My uncle received a coupon from Great Clips and he let me have it). Price includes tip.

Looks like Hurricane Matthew may be messing up our weather mid-week. I’m on an audit team at work on Tuesday and Wednesday which requires me to be outdoors and traveling from building to building. Normally I work indoors. I sure as heck don’t want to be out in the rain. As of this writing, the storm is a category 4 and if it follows the projected trajectory, Florida is in the outer cone, meaning that we will definitely feel the effects. I guess depending on the forecast, the emergency weather team can make the call on what operations need to be postponed. For Hermine, they closed for one day. You know what? I’m not worrying about it.

A&L 3rd Quarter 2016

September 30th, 2016 at 05:22 am

One thing I realized when I started this blog is that I didn’t have a full picture of my financial situation. The numbers below are mine. DH and I keep our finances separate. We have an arrangement of who pays for what and it has worked for us for nearly 25 years.

My credit score = 727 (according to Mint, update coming in mid-October)

Total Savings (Cash) = 960.76 I guess in reality, I am a lot closer to having $1,000 saved in cash but these are divided up for specific items.
Emergency = 407.82 (my goal is funding to $1,000)
Automotive Insurance (due in March) = 115.21 ($500 goal)
CCW Dues & Cards (the dues portion is fully funded now) = 40.15
Christmas Gifts (this is cash and does not include gift cards I’ve accumulated)= 70.96 ($200 goal)
Clothes/Makeup/Hair = 20.00 (fully funded for hair so far).
Gym annual fee x 4 @ 39.99 = 21.00 ($160 goal for August 2017)
Healthcare (this is time off work without pay) = 130.18 (1-1/2 days worth so far – goal is 3 days)
DS3’s Senior Year expenses (he is a junior this year) = 63.58 (goal is $700)
Sharebuilder (I’m building some cash to buy shares. I already have investments) = 7.63 (goal is $100)
Travel = 44.38 (goal is $1000)
Change jars (combined) = 40.47(no real goal – $100 as a stash fund)

Total Investments = 44,015.70
Fidelity 401k = 22,922.48
Sharebuilder = 21.093.22

Home Value (according to Zillow) = 96,000 (rounded)
Car Value (according to wherever Mint gets its information) = 8,000 (rounded)

Total Assets = 148,975.56

******************************************
Debt Balances = 123,363.23
CC1 = 14,245.90 (9.90% APR Fixed)
CC2 = 3,953.36 (15% APR Variable)
Student Loan = 18,039.78 (2.8% Fixed)
Mortgage = 87,124.19 (6.375% Fixed - Maturity date = 6/1/2036)

Total Liabilities = 123,363.23

*******************************************
Expenses
DH and I split these up. DH takes care of the cell phone bill (DS1, DS2, my parents contribute), the mortgage, his own fuel, automotive insurance (though I just started saving for my car to contribute) and most of the groceries.
***********************************************
My expenses are as follows (budget for the month) = 717.36
Electric and water (budget) = 200 (variable)
My fuel = 160 per month (variable)
Alarm company = 54
Internet service = 86
Gym membership for the family = 87.36
Groceries (sometimes I buy) = 100 (variable)
Tithe = 30 month
***********************
Health:
Breakfast – Grilled cheese, orange juice, coffee
Lunch – Breakfast burrito (ham, egg, cheese), banana
Dinner – Garbanzo soup with white rice
Snack - apple

Back to Normal

September 29th, 2016 at 04:54 am

Sort of back to normal. My uncle had heart stents put in on Monday afternoon and was discharged from the hospital on Tuesday afternoon. Yesterday, the home health nurse came to do his evaluation and today, the physical therapist will come.

My uncle's neighbor will be assisting him with getting up out of bed in the morning since he is unsteady on his feet and help him get to bed. She is a Godsend!

My aunt will be flying in from New York next week to stay with him while we go to our original trip to Miami to see my dad's brother who has Alzheimer's and of course, his sisters. If you recall a couple of weeks ago, a series of unfortunate events occurred that caused us to cancel our trip.

So, I'm back at work today and working to get my own life back to normal. I gained weight because I haven't been tracking my food and also I haven't exercised. My family, as understanding as they are, were feeling a bit neglected. It is amazing how one event can turn your routine upside down.

Financial: DH gets paid today and he will pay the mortgage tomorrow. As for my spending... well, lets just say I dread tallying my receipts.

Health (today):
Breakfast - overnight oats and coffee
Lunch - ham, egg, cheese burrito
Dinner - ?????
Snack - banana
Workout - personal trainer and 30-minutes cardio.
Goal - lose 2 pounds by October 7th.

Update

September 25th, 2016 at 05:53 am

My uncle as of last night is doing well. My mom and I stayed with him from 9:30 until 7:15 when the night shift came on. I'll be there probably around 10 or 11 today. Hopefully the social worker at the hospital will come around. I have a list of needs for him after his discharge.

I texted my boss to tell him I would be out Monday and maybe Tuesday.

I am baking a birthday cake for DS3. His birthday is on the 28th (Wednesday) and we planned to take him to the arcade and buy pizza. I'll see how I can work this in.

Thanks everyone for your concerns and advice. The extra support helps!

Hospital Stay

September 24th, 2016 at 04:47 am

I took my uncle to see his doctor yesterday morning. His EKG showed abnormality so he ordered a visit to the ER. Long story short, he had a heart attack.

After doing tests including a heart cath, results show nearly 100% blockage and they are considering a CABG. My uncle who is 89 does not want surgery. He is widowed and they never had children so I'm his surrogate "daughter" and power of attorney.

I'm hoping for a home health nurse to be there for him whenever he gets discharged. Although he is here until next week (he's having a fit about staying in the hospital).

Needless to say, I'm feeling a bit distressed. I stayed with him all day and overnight. Came home at 7 am and am planning to return to the hospital at 9.

Prayers requested for recovery for him, and strength, endurance and wisdom for me and my family. Thanks!

Rambling

September 22nd, 2016 at 05:38 am

Sorry for the long and dreary post… just rambling.

Health (today):
Breakfast: overnight oats, coffee
Lunch: Scrambled egg on a slice of toast,
Dinner: Pork roast w/mashed potatoes left overs
Snack: apple
Extra Food: green tea
Workout: I did walk around the parking lot yesterday while my son was in therapy and later at home I did 10 pushups. Tonight, Lord willing, I will go to the gym and exercise with my personal trainer. I need to make time to exercise now more than ever because I am feeling the stress building.

Finances (yesterday):
NSD for my, but DH had to buy gas and pick up some lettuce at the grocery store for his lunch salad.

My paycheck posted in my account and it is for the full amount. I found a penny and added it to my coin jar.

Received the mortgage statement and for the first time in a good while I really looked at it. My maturity date (last mortgage payment) would be June 1, 2036. Our monthly payment is 797.40. We were paying 805.44 and then escrow estimate went down and reduced the payment. We just continued paying the 805.44 which is an 8.04 difference but every little bit helps. I wish we could do a little more but that is as much as we can do right now. It amounts to about 96.00 additional per year.

My Interesting Life
My uncle fell in his bedroom last night. Seems the walker slipped from under him. My sons and I had to go over and hoist him to his bed. We are looking into getting a wheelchair for him because he feels now that he cannot support himself upright anymore. My dad is frustrated and my mom is stressed. Both are having difficulty dealing with this.

Tomorrow I’m taking annual leave to take my uncle to see his doctor and to see what he says. I will have a list of things to ask regarding home health care, wheelchair, meals on wheels, or anything else. I just can’t think straight. If anyone has suggestions on what to ask his doctor regarding services and assistive items, please comment. I want to be ready and have him set up comfortably and without worry.

I learned yesterday that I cannot apply for FMLA for my uncle’s care because it only covers parents, spouse, and children (and of course, myself). I am down to 32 hours of annual leave until my drop comes in April (my hire date anniversary). Needless to say, I’m glad I’m setting aside some cash for when I need to take LWOP – leave without pay. I see that coming in the near future.

In the meantime, on the passenger side of my car, the little latch on the car door is broken so my husband had to do a temp fix so that I can close the car until he can buy the new part and install it. I put some blue painters tape on the inside and outside handles as a reminder to not use that door. No riding shotgun for any passengers as they will have to go limo style and sit in the back seat.

Another Day Another 100 Dollars

September 21st, 2016 at 04:58 am

Health (today):
Breakfast: overnight oats, apple and coffee
Lunch: Cheese omelet w/tomato and onion on a slice of bread, plain greek yogurt with frozen blueberries
Dinner: Pork roast w/mashed potatoes
Snack: fresh pineapple
Extra Food:
Workout: I had to cancel my workout yesterday because I ended up with one additional inspection. I really need to make the time tonight to at least go to the gym and walk the treadmill for a half hour. I know I would feel better.

Finances (yesterday):
Expenditures
I spent $4.28 at Wendy’s for lunch (even though I brought a grilled cheese from home). I didn’t have cash so I used my credit card. Not good.

Income
I should receive my pay stub today so I’ll know what my paycheck is.

I earned $100 yesterday (at the time of the last post I only had 1 scheduled for $50). I rarely touch the money from my side business. We have the typical expenses that involve paying for insurance, business license/tax and other things business oriented. We pay DS1 when he does inspections. But we have earned enough to pay off my car (I had $5k left on my car loan balance), and bought desperately needed living room furniture $2k. We were sitting on flat cushions and getting pinched by the springs.

DH did his side gig yesterday and came home early (10:00 pm). Typically he gets home around 11:30.

Savings
I decided to add an additional $10 to my medical leave fund. I estimated that before taxes, I make $147 per day. After taxes and deduction that makes about $80.50 per day. I would like to have a cushion of 3 days since the leave is intermittent. So far I have $110 saved so that is just over a day I have saved.
It is very hard to make my goals with the cut in salary due to an FMLA day.

Life
I’m here at work now and after I get off work, I’ll stop over at my uncle’s house to check on him. Then I’ll stop by my parents to check on them and pick up DS3. Then I drive DS2 to his therapy appointment before the rush hour really hits. Maybe while I wait, instead of reading, I’ll just walk around the parking lot for a half hour. I think I’ll do that because after I get back home I know I won’t feel like dressing out and going to the gym.

Catching Up

September 20th, 2016 at 04:50 am

Health (today):
Breakfast: overnight oats, banana, Good belly, and coffee
Lunch: Grilled cheese, plain greek yogurt with frozen blueberries
Dinner: nothing planned – probably leftover BBQ
Snack: fresh pineapple
Extra Food: I don’t know yet - hopefully nothing.
Workout: Personal trainer and probably some cardio.

Finances (over the weekend):
Expenditures
Friday: Asian buffet 41.43
Saturday: Grocery shopping – DH paid and it was nearly $200! I have no idea what I bought but most of it was non-food items that we needed which brings up the price. Haircuts for DS2 and DS3 at Great Clips (they had the weekend sale 7.99) so it was 19.98 including tips.
Sunday: Chinese food (again) 44.36, Gas 33.08, Krystal for a rootbeer float for myself 2.13* (raided the change jar).

Income
Payday from my day job is Friday (but my credit union posts it on Thursday). I hope it is a full paycheck.
Also payment from my side gig is coming in the mail this week for $250.
This afternoon I will earn another $50 from my side biz.

*I was feeling stressed over the weekend. Have you ever felt detached and just going through the motions? That was how I felt over the weekend. I didn’t even track what I ate over the weekend. The weekends have always been hard for me to track since the meal schedule isn’t the same as the weekdays.

Update on my uncle (he is 89): We are looking into a home health nurse for my uncle at his request. He is doing better but still unsteady and a little down. He said he called his doctor yesterday and left a message so that he can order/prescribe or whatever they do so that Medicare would cover the service.

Update on my parents (both are 84): They can’t wait until a home health nurse starts because it has been hard on them to do for my uncle. My mom gets tired easily and my dad has issues with his knees. Mobility is an issue for him as it is now for my uncle.

I see that there are some “getting to know you” lists out there! I will work on mine later when I have a little more time.

Trip Cancelled

September 16th, 2016 at 01:13 pm

Health:
Breakfast: Kodiak cake, ham and eggs, coffee, orange juice
Lunch: Peanut butter sandwich on 1 slice of bread
Dinner: Chinese Buffee
Extra food: Rum and coke

Trip cancelled because the train was 5 hours late. It was actually 9 hours late. When I got the first call, my folks and I agreed we should go ahead and cancel. This wasn't a good week anyway and I didn't want to tempt fate.

Superstitious? You tell me...
1. Uncle has a fall and is depending on us.
2. Mom keeps "generic gifts" stored away, and this week she looked throughout the house and couldn't find them.
3. Mom also chips a tooth on Wednesday so she had to see the dentist for repair yesterday.
4. The train is super delayed.
5. Today is full moon (harvest moon), which I don't know if it also means it is more powerful than the ordinary full moon but everyone is on edge (including me).

Suffice it to say, it was not a favorable time for traveling as much more could go wrong. We are planning for October.

In the meantime, I did an inspection that my son was going to do so I earned $50. Yes!

Preparing for Trip

September 15th, 2016 at 04:56 am

Health:
Breakfast: overnight oats with coffee
Lunch: Ham, egg and cheese omelet with 1 slice of toast
Dinner: nothing
Snack:
Extra Food: chocolate

Finances:
Topped off the gas tank on Monday
Can't think of anything else.

I was busy yesterday (and tired)! I picked up a book about first ladies from the library to read on the train to Miami. I finally started packing for my small trip over to Miami with my parents. DH told me last night that he would be sure to give me some cash so I’m not strapped. My dad is paying for the train fare and hotel. Fortunately, we won’t have to go to Naples because my aunt and uncle will be coming to Miami instead. My uncle is the reason for the visit so this makes it much easier for us.

Earlier this week, my uncle fell. He is doing better but he is now using a walker for support. My mom chipped a tooth yesterday so she will see the dentist today and hopefully repairs can be made. Tonight I go to the gym and workout with my new personal trainer.

Things to do:
Pack, do my nails (I do my own), wash and style my hair, print out train tickets and hotel confirmation.


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