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Happy 2015

January 1st, 2015 at 08:26 am

Along with the usual lose weight, spend less, I have decided to commit to weekly meal plans. My DH still does all the grocery shopping and cooking, but after almost 34 years the meal planning has become very tedious for him.

I downloaded a really cute meal planning sheet from Pinterest:
http://www.pinterest.com/pin/4574037098060326/

I did exactly what the link shows at Kinko's/Fed Ex last Saturday. It has been a total relief for DH and asked the other day where the planner was?? He also noted last night this is the first time we have stuck to a menu plan 4 days straight since he cannot remember when.

Without further adieu here is the list:
Sun Dec 28-Beef Stroganoff (not a drop left)
Mon Dec 29-Chicken fajitas (even my 6-y-o granddaughter loved these)
Tue Dec 30-Broccoli Beef stir fry (the rest of the hunk of beef pulled from freezer)
Wed Dec 31-Fish and Chips (granddaughter's choice)
Thu Jan 1 - Fried Chicken, black eyed peas and collards
Fri Jan 2 - Homemade pizza
Sat Jan 3 - venison and leftovers (I only like venison burgers so unless it is burgers, I'm eating leftovers or salad or something else)
Sun Jan 4 - Smoked Turkey, etc (my employer gives away turkeys every Thanksgiving, I took 5 because too many are always delivered)
Mon Jan 5 - Enchilada casserole made with guess what? Turkey!
Tue Jan 6 - Stir fry made with guess what? Turkey!
Wed Jan 7 - Steak Salad
Thur Jan 8 - Turkey Soup and homemade deli sandwiches
Fri Jan 9 - Homemade pizza
Sat Jan 10 - Leftovers

Got up this morning early and picked through the bag of black eyed peas and found 4 rocks! That is why I always pick through dried beans. They are doing their boil/quick soak before putting in the crockpot.

My focus is simple for 2015, plan meals and save 20% of our gross income for retirement. I received a $600 Visa card for a Christmas bonus and I plan to use that for new clothes. I also have some of my target gift card from last year! I think there is about $54 left on that. I am the boss and dress in casual business attire. I need to have comfortable cute stuff. I just ordered $136 from Ann Taylor Loft at 60% off. My day finds me doing everything from giving a tour and chatting with potential resident/families to being on the floor figuring computer issues, to taking out garbage and sticking it in the commpactor, to meeting with employees.....

I need to order some more support stockings. I ordered one pair from Amazon in a cute chevron print. They did help my ankle swelling greatly. My doctor had advised me to get some at my yearly exam. I think that will be it for a while. Support stockings are expensive. I need 4 more pairs.

Time go pay bills and call Vanguard for some information on setting up Roth IRAs for DH and me.

Sick on Thanksgiving.....Ugh!

November 27th, 2014 at 11:12 am

Happy Thanksgiving everyone!

2015 is bringing big challenges AND big blessings. I have been promoted and am running a 100 apartment assisted living facility. I love my job and consider myself very blessed when just a few years ago I thought I would never be able to work again.

My youngest daughter and her family are living with us for what is planned to be 2 years. My Marine son-in-law is losing his vision due to a rare disease called Stargardt's disease. Luckily having passed the 8 year mark he is eligible for military retirement. My oldest granddaughter is now 6 and my younger one born 8/12/14. They moved up late in September from the San Diego area.



My husband and I realize at 56, almost 57 in my case, we will not retire before age 70. We also realize this may be the only home we ever live in and thus are planning for that.

My current goal is to get my 401K signed up for before January 1st. We are using YNAB for budgeting and DH is actually using his phone app to put in grocery receipts. Hurray!

Another year, another granddaughter and a wedding in Maui!

March 19th, 2014 at 11:01 am

Need to get back here regularly. In Maui for oldest daughter's wedding. Beautiful Hawaii, our first trip and a good incentive to live frugally to vacation. My 34 year old eldest daughter and fiancé have paid for the wedding, but we paid for pregnant youngest, Marine SIL, granddaughter, MIL and SIL. Our middle daughter paid for her trip and somehow got the condo right across from us.

Life is very busy, so busy I am not doing well handling our finances. When I get home I am going to get it together! In the meantime....

Procrastination, pain and living....

February 2nd, 2013 at 08:53 am

I had lunch last Sunday with a friend visiting from high school and another friend who lives locally but I never see unless the out of town friend comes to visit her parents and then we all get together.

Anyway on Sunday I told local friend about YNAB. Thursday we all met for dinner and she is so excited. She said it was just what she needed as she is planning to move to New York City in October.

OMG she went home, looked it up on the net, watched a webinar, paid for it and set it up along with her budget for the whole year!!

I have yet to start using mine!

I forgot the dog at the groomer yesterday for the second time.

After my job I do not have a lot of energy left.

Joined WW with youngest daughter who is already a member, but had not gone to a meeting since December. I get the lowest number of points, 26 because I am short I guess. Today is day 3 and leader who gave us a mini session when we joined, said tracking is key, just like money!

I still have not mailed the package to Afghanistan that I posted in Jan. I am ashamed of myself and vow to get a note written and it sent off Monday.

I also vow to get YNAB all set up and start using it!

I will report back on my progress...or lack thereof.

January....

January 5th, 2013 at 08:41 am

YNAB 4 is downloaded and ready to go. DH left this morning to drive cross country to drop off my 1999 Camry to our daughter. We were able to get him a flight home for about $250.00, which means I have to drive to SF to pick him up in a few weeks.

My daughter and granddaughter will be flying home Wednesday, so I go down this week too (DSIL is deploying to Afghanistan soon)! Luckily the drive down 101 to San Francisco is beautiful, from the Redwoods through the wine country. Nothing like coming around the corner and seeing the city on a clear day....hopefully it will be a clear day!

DH got a small dividend check and bought lifetime warranty nonstick pots and pans from Costco. I told him that was the last thing he got to buy this year!

I have the best, most understanding boss (who is actually our business partner too in another business) so there is no problem with me working on the weekends to make up for the time I am taking off.

So this weekend I need to finish our budget for January, talk DH through entering his expenses into his droid phone, and clean the house!

There is a party tonight at the hairdresser from work's house, so I need to make something. I have a well stocked pantry and freezer so I can come up with a dish I am almost certain.

I have errands to do, returning a couple of Matilda Jane items (boy did my order get screwed up for granddaughter) and get a package off to Afghanistan. Monday is an appointment at the DMV (oh goody) to renew my driver's license and get my new disabled plates for my "new" 2006 Camry. Yes I am working, but have trouble walking and shopping (thus DH doing most of it). I only use the disabled parking when I am having a "bad" day. Otherwise, I figure there is someone worse off than me that needs it.

Time for breakfast and watching the rest of this episode of Princess and then time to attack the house.

Happy New Year everyone and here's to reaching at least some of our goals if not all of them!

My Birthday Wish Came True!

December 22nd, 2012 at 03:20 pm

Today is my 55th birthday...(aaahhhh). I have been very sick for the past 9 days, but have still managed to work most days at least part of the day.

The last two years have been pretty much a free for all financially (as have the last two months). So I was hoping to talk to DH about finances, planning and him helping me out in the budget department in 2013.

We have been married over 34 years and I have done EVERYTHING pertaining to our finances. I love reading about saving money articles, grew up with very frugal parents, but I have not been that great at translating that into wealth. We have done okay muddling through, just think if we had a plan and stayed on the same page??

I take as much of the blame since I have a strong fabric addiction and have a hard time not buying for our sweet granddaughter.

But this morning, after DH made me breakfast, I paused the DVR'd Project Runway and told DH I wanted to talk to him about something. This always immediately makes him put up walls, but I asked him if he would be willing to help me with the planning and execution of a money plan.

I had gotten an Email from YNAB with their updates and now that I have a mini Ipad I think that I will be better about entering transactions. However, with DH doing 95% of food and household shopping, it was imperative he be on board.

Well guess what? He is!! I am so happy. It will mean upgrading to Version 4 and getting the apps for our mini Ipads, but I couldn't be happier or more relieved. We are going to make a reasonable budget and I took half the blame for our current overspending (last months and this month's AMEX bills have totaled over $9,000). No more impulsive fabric buying for me!

My daughter and granddaughter are back on the East Coast with my son-in-law for his deployment, so I am having a stress free Christmas. Along with being sick, nothing is really expected of me! I am watching Lifetime movies, drinking tea and juice and fooling around on my laptop!

Merry Everything! Hope everyone is having a happy holiday season.

An update

December 1st, 2012 at 10:58 am

I am in Temecula again. My daughter suffered a miscarriage and DSIL is deploying again so I am here helping with granddaughter and packing. My husband and oldest daughter were here for Thanksgiving. My 83 year old mother was having some medical issues so I chose to stay home with her.

Dh and I chose to give our usual Toys for Tots donation to a single mom at my work. I tried to do it anonymously but she figured me out. She told me she literally had no idea how she was going to get her boys gifts. My husband won a $150gift certificate to Target at a local college basketball 50/50 thing. I was planning $300 to coworker so I added $150 to the anonymous card. I then wrote a check to Toys for Tots for $100 at Target. So that leaves Feed the Children, local soup kitchen and local animal shelter to round our Christmas giving.

I cannot believe how much my granddaughter learned in her 3 months at St. Jeane's. Even her coloring is better. She is staying in the lines well.

Okay this was supposed to be quick since typing on my mini. IPad . Supposed to be Dh's gift but I ordered wifi only so Herold me to keep it for myself.

Decided on 30 year refi at 3,30 which is in the works. With daughter and granddaughter moving up with us again for deployment our costs will go up for food and utilities, but probably no more than monthly preschool was costing. We may enroll her locally once DSIL deploys since they will go to North Carolina to visit before actual deployment.

My job duties have expanded to human resources manager. Boss' back is getting worse so I am handling a lot of day to day management of the assisted living facility. I am very blessed even with our present family sadness.

Once Christmas is over I plan to sit down with DH and come up with our financial plan. Actually before so we are ready for the new year. Need to transfer his traditional IRA to a Roth before we jump over the cliff!

My work 401k is through an ins company and I do not plan on participating. Our will and trust is ready to sign as soon as I get home. At almost 55 we are finally getting it done. We need to up Dh's contribution as my salary covers our Roth contributions, granddaughter's private school tuition and the rest on paying down the mortgage.

My fibromyalgia is a bit worse with winter but DH is picking up the slack at home and we have a housekeeper come once a month to heavy clean. It is worth the $100 each month. DH told mehewould rather have the added income though we both tend to be nostalgic about how great it was when I stayed home for the two years.

Lots of entries to read, granddaughter thinks mini IPad is hers. Excuse typos....this keyboard is small!

Any way to block that Chinese spammer??

September 9th, 2012 at 12:47 pm

Messes up us being able to read blog entries, very frustrating!

Food Challenge September 2012

September 9th, 2012 at 12:05 pm

Another quick post to add:

We ate out on DH's birthday at the local Mexican restaurant. It was terrible, mine was anyway, that was Thursday September 6th.

On Friday our friends were coming over to begin our Friday Night dinners again and to celebrate the birthday/anniversary. DH barbecued steaks, scallops and shrimp, made garlic mashed potatoes and grilled asparagus and yellow squash from the garden. Friends brought a German chocolate cake and ice cream.

The four of us agreed this was our last blowout as we all need to lose a few pounds!

I also notified DH that we are participating in a food challenge. No eating out all all the rest of the month. So last night were leftovers (our actual anniversary). I am not sure what DH has planned for tonight.

He has been cleaning since I am suffering from a migraine and backache after eating the choco cake and working in the yard all day yesterday.

DH cleaned out the freezers this morning and something tells me the lobster mac and cheese from Costco is going to be on the menu soon. DH shopped yesterday at Costco getting our usual veges, bread and milk. Our pantry and freezer are very full so we are ready!