Home > Archive: September, 2009

Archive for September, 2009

Thoughts on September

September 28th, 2009 at 11:30 pm

September is traditionally the most beautiful month here on the North Coast of California and this year was no exception. However, looks like the temperature is going below 50 the next couple of nights so we need to harvest our butternut squash.

We have decided to not waste our time on tomatoes next year. The time, effort and water used to try to eak out a few is just not worth it. Besides FIL grows them 1.5 hours south of us and we get plenty once he starts harvesting.

In fact this weekend DH made salsa and jalapeno poppers from his dad's garden bounty. Earlier in the week I had made roasted tomato sauce for a chicken cacciatore dish, enough for our elderly neighbors next door too.

Has anyone noticed that 3 paycheck months don't actually seem like the extra check comes that month, but the month before or after? This month it was before and I was able to save $2200.00 this month.

Also our renters owed us the summer rent money since they were out working all summer. Another $1300 now and another $1900.00 by October 1st.

Then yesterday YD told me that when my SIL gets his re-enlistment bonus they are paying us back the money they owe us. So that is a nice surprise. I told her I would rather they just save it and we won't buy them Christmas presents this year, but she said no, they want to pay us back. Why is it so hard to take money back from my kids that I loaned them??

So the big news is that DH has agreed on a frugal year with a goal of saving a fairly large amount of money by 9/1/2010. My two older sisters and I have challenged one another to an entire year of buying only what we need, no wants... Of course I had to let him buy the gun safe at Costco (actually I encouraged him to buy it) since we really should have a gun safe now that we have a granddaughter visit (not that we keep loaded guns around, but you get the idea). It will also be a place to keep our important papers as it has a few shelves in it too.

A Kohl's opened up yesterday in our old Mervyn's at the mall. We did not go, nor do I actually plan to since I am embarking on a no spend year. Mmmmm..... that doesn't start until Thursday October 1st and I do have a doctor's appointment in town tomorrow after work.....NO!! I don't need anything. I can make it a year without new clothes or shoes or socks or under garments and so can DH!

My one exception to this rule will be yarn. I started Ally this over the weekend:

But I will only buy yarn for a specific project that I am starting immediately like this ladybug coat. I hope to have it done by Christmas and hopefully before.

This month's spending:
Food/eating out: 431.89 (eek a little high except we have been feeding our neighbors too at least once a week, 2 meals out).
Gasoline: $327.80 (we both filled up over the weekend, mine will last 2 weeks).
Household: 788.47 which includes cleaning supplies, garden spending, pets and the above gun safe.

I ordered up Direct TV which will be installed Thursday October 1st. That is going to save us $17.00 a month over cable with more High def channels, more normal channels and fox business (that we don't get now, it was going to cost more, which motivated me to finally call Direct TV) so I can watch Dave Ramsey and stay motivated (I love personal finance stories).

Nice surprise

September 16th, 2009 at 09:33 pm

We order DH's work boots every couple of years and when ordering today, the online store gave me 10% off for no apparent reason. Of course the fact that they cost $227.00 a pair might have had something to do with it and my wait on hold....

Anyway what a nice surprise. So I thought I would give a shout-out to:

Tomorrow is probably going to be my last 4 hour day since my shoulder is definitely getting better. I see the doctor tomorrow and I imagine they will increase my hours.

So I guess I'd better get back to getting things done around the house.

My beauty money saving tip

September 16th, 2009 at 12:26 pm

Have your husband, partner, significant other or friend color and cut your hair for you. I waited for DH to get home from work Saturday morning to color my hair. He has never done it before and the last time I did it myself, when I washed it out I still had gray, so I figured he would do a better job. He did. He then trimmed it off for me too. Savings: $60-80. I used Nutriese Garnier Golden medium brown. It was a shade darker with a little more pizazz than my own hair. I found a coupon this week in the Sunday paper and it is on sale at Rite-Aid so I will be purchasing my next box for $3.99.

Now I gotta go find some change to pick up!

Oatmeal and apples

September 9th, 2009 at 11:12 pm

I have been buying oatmeal every morning at work for $1.00, but I know my Irish oats bought in bulk at Winco and cooked at home is even cheaper than that. So I have 4 days worth cooking on the stove right now. I have successfully frozen it and microwaved it at work in the past. I just needed to get back in the habit.

Also my neighbor across the street borrowed my large crockpot to process a bunch of apples into apple pie filling and brought be a pint when she brought the crockpot back yesterday. I have a pie in the oven too.

It's amazing how much more I can get done around the house only working 4 hours a day. My shoulder is feeling a lot better and I am probably going to have to increase my hours when I see the doctor again, next Thursday. Until then I am going to balance getting stuff done around here and sitting with ice on my shoulders each day.

By the way have we all been watching "Hoarders" on A&E?? Everyone seems to be purging... me included.

Edited to add: Just mixed up apple muffins to put in the oven when my sweet potato fries are done! What has gotten into me?

I miss being here...

September 7th, 2009 at 10:06 pm

I so wish I could keep up with posts. If only I could get on at lunch time at work, but practically every site is blocked, even ones I need sometimes.

Yesterday was DH's birthday and tomorrow is our 31st anniversary.

Not sure what my problem is, but this is the 2nd month in a row that I entered my mortgage payment in Quicken and then failed to actually make the payment. Since my mortgage is held by ING, I just transferred from savings so it would be credited immediately. Then I transferred $2500.00 into savings along with making a payment to AMEX which is mostly Costco shopping and gas.

August was an expensive month paying for this:

But paying for the kids flight home AND the party was still cheaper than us flying to South Carolina, renting a house and a car for a week.

We also had 2 weddings and my mother's 80th birthday party this summer. Since DH and I did all the planning and most all of the cooking (my siblings all live out of state), they (the siblings) ended up paying for all of the party and the quilt I made for mom.

I am still trying to figure out what type of savings plan to start for granddaughter. College is already covered due to her daddy being a Marine (not sure how this works, but that is what SIL tells us). We are considering a DRIP or mutual fund or savings bonds.... have not made a decision yet, but need to soon. I told the kids that I was not going to buy my grandchildren crap, but would do savings accounts for them. We did buy a ladybug set of bath toys from for her. That is a ladybug cake she demolished.

Our garden is still growing, just made a yummy zucchini gratin last night for both us and our elderly neighbors next door who were happy to get a home made meal (made mashed potatoes and baked pork chops, homemade rolls). I should say not frozen first. Their daughter (who lives 7 hours away by car) comes up and makes and freezes meals for them as often as she can.

I am cut back at work to 4 hours a day from a comp claim on my shoulder. It somehow became frozen (probably from working 7 hours a day on a computer). It is doing a bit better after some physical therapy and exercises. Another reason I am not here as much as I would like!