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Archive for January, 2018

Make that 6 weeks, and 401k growth

January 13th, 2018 at 10:15 am

I am enjoying watching our 401k's growth, but it also makes me nervous given historical trends showing what goes (quickly) up, eventually comes down (corrects). Is anyone else nervous, or am I just being paranoid?

The hub worked 28 hours straight yesterday. One of the mechanics who tag-teams with him fell last week and broke his hip, so they are short staffed. 28 hours is crazy- and it's schedules like this that create an environment for accidents.. The hub wants the hours, but not to this degree. The hub also will work 6 weeks this hitch, rather than 5. Not only will he make significantly more with this schedule, but having just me here, our budget drops as well for the month. The extra will go to debt and savings. With our 401k growth, my son paying me back this year and the hubs extra earnings, we are likely to hit my BHAG a good 18 months early- which means work for me becomes optional that much sooner. Smile

Z and my youngest granddaughter (9) are spending the night tonight. GD also invited her bestie to join us. Should be a fun night. X (age 2) really wants to come too, but he is sick and I do not want what he has...so he'll have to come next time.

With everything going on today, it may be tomorrow before I tackle the freezer inventory. Smile

The next 5 weeks

January 11th, 2018 at 08:10 am

Last night the hub went back to work for a 5 week rotation. I have been reading others' blogs about using up the pantry, freezer and fridge and think this may work for me too! I am certainly going to spend some time Saturday morning figuring out how I could make it work for me. I am not even sure what lives in the burrows of our freezer right now..but no time like the present to find out! Smile

We had to put one of our dogs down on Monday. He was old, and had multiple medical issues. But the clincher was when he swallowed an adult sized athletic sock on Sunday. We were dumbfounded when he did it- and it took a few minutes for it to sink in enough to realize that it was a really bad thing for his frail body and digestive system. He had never done anything like that before. After, I read online that dogs eating socks is not uncommon- but it was certainly not something we expected. The vet confirmed that it was not going to end well for him. Frown So given his age and condition, the hub made the tough decision. RIP sweet Bear.





Frugal month and update on Z

January 5th, 2018 at 10:14 am

This month should be a fairly frugal one. The hub arrived home last night, but because of the winter schedule, he will only be here for 5 days and then will head back up to work. Having to spend for only me for the majority of the month seems to put much less stress on the budget. And I am in a frugal state of mind lately.

I suppose one of the reasons I am thinking more frugally of late is that I am nearing the tipping point to being able to retire. Moving from having to work, to working if I want. I am about 6 months out.. At 57, I am not sure I am ready for full time retirement, but I am certainly ready for part time...however, it will depend on some of the changes happening at work. If things go really well, I will want to stay working at least for another year. If not, then I will shift gears and figure out the plan B. It is a wonderful feeling to have options tho!!

DD2 received the reports on the boys from the state yesterday. This is the report created after our trip to the state office for CPS last month. The report discussed the boys history, primarily Z's and it was a stark reminder of why we have fought so hard to keep him safe now that he is back with us. Reading his story makes my heart ache. Suffice it to say that he was in a bad, dark place for his first 4 months of life and again when he was returned to BM for that year and a half. We new most of the story, but there were other things we didnt know that help explain some of his PTSD.

The good news is that the report strongly recommended giving the boys permanency with DD2 AS SOON AS POSSIBLE. And now adoption is in full swing. They are projecting 3 months!!! I can not tell you how excited we are to be here, finally.



Frugal start to the new year!

January 3rd, 2018 at 03:46 pm

First of all, Happy New Year friends!

I have started the new year out with a few small frugal choices. First, my cell phone case broke- so I put one in my Amazon shopping cart for $19.99 and then pondered if that was something I really needed to do....

I pulled out the super glue and glued the broken pieces back together...which worked, but also created poky edges that were irritating my hand each time I used my phone. That wouldnt work... So I found a sander disk and sanded on the poky parts until they were pretty smooth- and finally, I pulled out some nail polish (couldnt find any clear, so I made do with red!) and polished over the repair to smooth things out- and viola! my cell phone case is back in business. Savings: $19.99

Then, I used an old bag of red beans from the cupboard, a ham hock from Christmas, and a can of Rotel- put all in my crockpot and let it simmer all day. I am now on my 4th day of very cheap meals.

And finally, my face scrub had run out. Nothing else would squeeze from the tube. Just as I was getting ready to toss it I thought back to my Tightwad Gazette reading days and decided to cut the tube in half and low and behold- there were at least 4-5 good uses left in the bottom. Between uses, I just put one end over the other and it creates enough of a seal to keep it from drying out- stretching my scrub an extra week or two!

This has got me thinking of other ways I have been not-so-consciously wasting money. My brain is now looking for ways to stretch and save a little. Homemade snowflakes, if you will.

Adoption is going slow but steady. The boys are happy and healthy and doing well. 2018 is looking to be a very good year so far!