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Trying YNAB and Z update

January 8th, 2017 at 05:03 am

2017 is off to an encouraging start. I have always budgeted on a spreadsheet that I created years ago, but gave YNAB a look- and decided to try out the 34 day free trial. So far, I like the ease of the program and really like that it is web based and I am able to access it on different devices. Some of the functionality is a little confusing, but I am sure it will become less so as the month plays out. I am considering subscribing for a year because of the pros of accessibility.

The hubs job is still going ok. He works in the oil industry, which is reliant on fuel production/ prices...we are trying to pay off bills and save in case he becomes unemployed- but for now it looks ok.

I am getting a raise at the end of the month- both annual and promotion. I dont know yet how much the raise will be, but I hope it is enough to fast track debt pay, increase 401ks and increase savings. (fingers crossed)

We still have not had the court date for the kids. Either weather, or Biomom being arrested have postponed court since November. Which means the boys spent the holidays with us. They have now been with us 5 months this time around. They are doing really well. Hopefully the next court date will be a go and we can learn what the long term plan is for them. Z is almost 6, and he has been in foster care over half his life. It is time to give him (them) permanency.

Las Vegas bound!

November 29th, 2016 at 05:41 am

This has been a year of travels- not all planned, but all worthwhile. New York, Arizona, Oklahoma, Mexico...next stop- Las Vegas for a conference for work. (Meaning all expenses paid by my job.) I leave Sunday and will come back Thursday morning- just in time for the next court date.

DD2 was planning to go with me, but that was before she became a full time foster mom again. So, I will be going alone.

This past weekend, I had two of my granddaughters (cousins) over for a sleepover. They have reached an age where they are pre-teen friends. It is such a new, fun dynamic. When their moms were their ages, they fought a lot. Having the daughters get along so well is so fun. We went to a movie, lunch, baked, watched movies at home, decorated the tree...and just had a good time together. I am so blessed.

Not much different happening in the financial scheme. Just trying to keep Christmas spending within budget- and planning DD3s 25th birthday party. She is a Christmas eve baby- this year we are planning her party for the 30th so hopefully more people can come.

Cracked Rib - UGH

November 25th, 2016 at 07:19 pm

I hope everyone had a wonderful Thanksgiving!

Today is black Friday, and I am unmotivated to partake. Part of this is because I am dealing with a cracked rib- which happened on the first day of vacation a couple of weeks ago- on our way to the cruise. Grrr. It is much less painful than it was on the cruise, but it is still causing me to be less energetic than normal. Aside from the rib,the cruise was fantastic. We had an awesome time, and even better, stayed within budget. Actually came home with a few hundred dollars to put back into the travel fund.

The hub starts his 4/2 rotations this go-round, which will definitely help. The extra will go towards paying back the money loaned to DD2 while she is unemployed and not receiving unemployment (hopefully she will start receiving her benefits next week). She will pay us back with her taxes, and that will ultimately go to savings.

Court got postponed for the kids- which was a good thing. It gives the state more time to build their case. The kids have since been diagnosed with PTSD, which is so sad- but the diagnosis will help with the case to keep them here and provide extra counseling assistance. Our next court date is week after next.

Z (5) and I had a sleepover Wednesday night. It was so fun. We played Candyland (he won) we put a puzzle together (he is a master puzzle builder) and we played with blocks...he is getting so big. He is a lot more reserved and doesn't smile as much as he once did..my goal is to turn that around while we have him.

Life is good!

Jobs, a cruise and an update on the kids

November 5th, 2016 at 03:43 pm

This past month has been crazy stressful.

DH's job continues to look for ways to cut corners, which ultimately is going to cost workers a substantial amount...between health care provider changes, travel provider changes, hour cutbacks....egads. We keep skimming expenses. But it still is frustrating. I am grateful he still has a job.

Thankfully, I am getting a promotion at work soon, and I think the increase in my pay will offset most of the financial hit. I will find out in the next few weeks.

We are taking a cruise next weekend to Mexico. This was planned and paid for long before all this job stuff happened, and we could seriously use the break. Thankfully cruises to Mexico from the west coast are fairly inexpensive. Its our first and we are excited to give cruising a try!

Z update:

We have an important hearing coming up for the kids. Unfortunately, the bio family, rather than focus on fixing whats broke and creating a safe environment themselves (rehab, parenting classes, home visits, etc) are denying there is a problem, and rather, are doing everything possible to disqualify DD2 as a viable placement option. (false reports to her job, the police, child walfare, etc) The stress is taking its toll. Because of the constant distractions, DD2 lost her job. But she is keeping the best interests of the Kids at the forefront. Thankfully, the false accusations are all failing flat, the agencies are seeing right through this... and its only making the case stronger for the kids being removed permanently. I am concerned about whats next once they realize this latest barrage didn't work. DD2 will likely get a restraining order, just to help protect herself and the kids.

The hearing cant come soon enough. Their tactics are definitely out of our way of thinking...who knew it would get this ugly.

If only they would put this much effort into self reflection and counseling...

Stormy weekend and Z update

October 15th, 2016 at 06:21 pm

The northwest is having some fun this weekend with a big ol storm. So far today, it is just drizzling and the winds haven't picked up, but by midday that is due to change.

I am planning to just stay home today. I could use some downtime after the past few weeks. My plan- a puzzle, some baking, some tv, reading, and thats about it. Sounds blissful. Hopefully, we wont lose power, but if we do, I am prepared with flashlights, candles and my wood stove. I have some soup that I can heat up on the wood stove...and plenty of water.

Ive been avoiding the budget the past month. Too many unexpected things have come up. Thankfully, the hubs busy season is about to start and we can get back on track quickly. Barring any unexpected cutbacks at his job, we should be caught back up by the end of January, and back to paying things off for the rest of winter/early spring.

We attended the hearing for the boys this week. BM is out of state, and refusing to admit she has any issues and refusing all help. (She has admitted to one of the fathers that she is still using while pregnant) During the meeting, it became fairly clear that DD2 is becoming the most likely long term placement, as all other options either only want one of the boys (and they wont separate them), or live out of state (and they wont move them from their sister who is here local) or they have criminal charges that disqualify them.

It is very confusing to have 4 children, 4 fathers, 8 sets of grandparents and extended family...for this case. The caseworkers have their work cut out for them.

DD2s approach now that we know this, is to welcome the extended families to be part of our village so that the kids can have close relationships with whichever family they are connected to, while ensuring they are safe, happy and together. Unconventional, yet necessary in this situation.

The last we heard, BM broke up with the dad of the baby she is pregnant with and has hooked up with an old friend who just got out of prison. (Charges: meth and theft)

And so it goes.

Very tough couple of weeks

October 10th, 2016 at 04:13 am

My DB had a massive heart attack a couple of weeks ago. He was placed in a medically induced coma and underwent other medical procedures to help him recover. Sadly, he never regained consciousness. I flew back to be with him on day 4 and flew home on day 9...he passed on day 11. Tomorrow is his memorial. I will miss him greatly.

Tuesday is a big hearing for Z and his baby brother X. Their mother has made no attempt to visit them since they were put back in foster care. Nor has anyone else. Thankfully, they both seem to be adjusting well. The baby is warming up to us and is quickly winning over our hearts. DD2 had to cut back her hours at work to be able to accommodate all of the appts the boys have had. They were both way behind on shots and have had all their other normal check ups. So far, so good. I hope TUesday's meeting gives them some much needed stability in their placement. The goal is to keep them together while determining permanent placement.

Thats pretty much been my life lately. My brother and the boys. Of course work in between.

Budget mistake! (I'll take it!!)

September 17th, 2016 at 04:28 am

I have been really enjoying everyone's lists. I have learned a great deal about everyone reading them and am happy to see so many others jumping in with their lists!

Today I realized that I made a budget mistake this month. Thankfully, it was in a good way. I get 3 paychecks in September and only budgeted for 2. The extra $$ will go towards debt repayment. (Yay!) I can handle a good mistake!!

The little guys went to children's advocacy today- and got to share their story and thoughts with protective services in a non-threatening environment. It sounds like the kids shared enough concerning memories, that they will be in protected custody for a long time to come. THANK GOODNESS. I am finally breathing a sigh of relief tonight.

I stopped by DD2s after work to deliver the clothes I got at Goodwill and that have been donated by coworkers and friends. It was fun to watch all the kiddos having fun. No craziness in their lives, just good old fashioned, hide n go seek kinda fun.

$20 at Goodwill

September 16th, 2016 at 04:09 am

I stopped by Goodwill tonight on my way home to look for fall clothes for J (foster baby, 16 mo). I was able to pick up 3 pairs of pants, 4 tops, 2 zip up sweaters and 2 pairs of warm jammies for $20. ALl of the clothes were good quality and in really good condition. Thank goodness for Goodwill!

While I was checking out, I was explaining what the clothes were for- the lady checking me out said "I have 9 grandkids and ALL of them are in foster care"...She said it was due to drugs and the epidemic we have. I was speechless. I wished her well and left feeling even more frustrated for children. WTH.

I want to try to find some age appropriate toys for both boys this weekend. I am starting with the power of Facebook, and will look for sales, yard sales, etc. we also have an avenue at work for placing classified ads. We have many younger parents who might have toys that have been outgrown. Past experience tells me that plastic containers, metal containers and wooden and plastic spoons will work for the baby. Blocks and pretend play for Z (age 5) and maybe a few books.

So, my mission this weekend is to scavenger hunt! Smile

Mail fetching dog!

September 14th, 2016 at 04:59 am

The final hurdle DD2 had to overcome was having her home certified for foster care. That means, background checks, references, fire extinguishers, fire alarms, kid locks, locked up cleaning supplies, no accessible fire arms or other hunting equipment, sufficient beds, no aggressive pets, and a tidy home. Her home was certified tonight! YAY.

Now, let's get back to routine life!

I have been trying to eat healthier the past few months. Cutting back on foods that arent good..and adding foods that are. Today, I went to the local co-op market and picked up some banana chips thinking that would make a healthy snack. Unfortunately, I looked it up when I got back to work and not so much. The coconut oil that is used is not as healthy as it sounds....so back to the drawing board.

Earlier this year, I inherited a black lab from my former brother in law who passed away. His name is Shotgun (cause he rode shotgun in the truck with BIL)...Tonight I learned that Shotgun wants to carry the mail home from the mail box. I had no idea. He walked down with me, and when I pulled out the mail, he grinned and opened his mouth and took the mail from my hand...then proceeded to walk (prance) home with it and gave it back once we were in the house. OMG. It was so cute. I knew he would go get the paper for my BIL, but we dont get a paper here...apparently, he would get the mail too! What a sweet surprise.



Family Court is painful!

September 13th, 2016 at 04:47 am

Today was the court date.

As it turned out, our case was last on the morning docket- meaning there were 4 other cases heard before ours.

Child after child being placed in foster care because of unhealthy home environments. Drugs and neglect in each situation...a brand new nursing baby removed from its 18 year old mother, a 13 year old crying as she was told she was removed from her home- a home with drugs and 9 dogs, a child that neither parent bothered to show for court. Just gut wrenching case after case.

When our case came, it wasnt much different. In the end, 2 more kids put in foster care another child transferred to the other parent, a very upset mother and a sense of relief that the kids will be safe for a while. The sister will go to dad, the boys were placed with DD2. (Yay!)

Z is back, along with his baby brother, in DD2s care...after 22 months away. It quickly became very apparent that BM and her mom will not be making this easy and intend to fight the placement vehemently. Foster parents sometimes need a thick skin when they step in to help. Hurtful words, threats, accusations. It got ugly. Sigh.

But on a much happier note, Z was so excited about his first day at school. He had major anxiety this morning about being left by DD2, but the teacher, who knows his situation, took extra care to make his day special.

The next court date is October 27- barring any surprises, the placement should hold until then, and beyond. DD2 was present at the hearing and the judge made a special point in thanking her for her contributions.

While I am extremely happy with the judges decision, I worry what it will do to Z if/when he is pulled again from DD2's care. He is extremely attached to her.

Time will tell. For today, lil Z and baby brother J, welcome home!

The calm before the storm!

September 12th, 2016 at 04:50 am

Today was thankfully low key compared to the past couple of days. We go to court tomorrow to find out what will happen with the kids in the short term. Right now there are a lot of emotions from all sides and it will be nice to get a plan in place so that everyone understands at least the legal expectations. I just hope there isnt near term turmoil for the little guys. Z starts kindergarten in the morning, so DD2 plans to make the morning special for him before heading off to court.

I spent today home with a sore throat. No bueno. At least it wasnt a work day and I was able to relax. Hopefully I will wake up all better, and ready for the busy week ahead! I can't afford to get sick right now. We have PTO at work, which means one pot for all sick and vacation time to pull from. I keep at least 40 hours on the books for an emergency, but otherwise, I use my time off. Right now, I my time off is scheduled through next May, so I am hesitant to dip into that emergency 40, unless absolutely necessary!

I ate leftovers today, and so it was a no spend day. Likely tomorrow I will go to lunch after court with DD1, who plans to go with me. Dd2 has to attend via phone since she took 2 days off last week to get the kids situated, registered, etc.

Again, thank you for all the kind wishes regarding the kids. I appreciate all of the support for them.

Off topic- Foster care deja vu (Here we go again)

September 11th, 2016 at 05:20 am

Last night and today were traumatic on everyone.

BM and BF were arrested late last night on outstanding warrants. DHS put all three kids in emergency placement in DD2s home.

Today BM/BF were released, but could not contact each other or DD2/kids. (who knows if they are together today or not)

DD2 spent the day making arrangements for daycare,buying diapers, and taking care of the baby who was very fussy.

Backing up a bit....Yesterday BM and BF ran out of gas. It was 100 out. BF and baby stayed with car, while BM hitchhiked to DD2s job to borrow $5. Later that night the baby was dropped of with the other kids at DD2s house. Much later, DD2 recevied the call about the arrest.

Today, the baby woke in considerable distress. An ER visit later to learn he was dehydrated from yesterday's stint in the heat.. and had to receive IV fluids. He is only 18 months old. Apparently they ran out of food and water while waiting in the hot car for BM to return and then did not hydrate him sufficiently.

Monday is court to determine placement for the kids. The father of the eldest girl wants her. So she will likely be placed with him. The boys have no family that will want them. Both of their dads are either in jail or currently homeless and in and out of jail. Extended family is not interested. So likely, they will stay with DD2 indefinitely.

Which means, here we are again. BM and her mother are angry that the kids are placed in foster care. DD2 is doing what she can to create a safe and stable home for the boys.

SMH at this turn of events. I guess we will learn more on Monday what the future holds for the kids.

401k Progress!

September 10th, 2016 at 06:54 am

I was reviewing my 401k records today and was happy to see that my account has grown almost 50k in the past year! Hopefully it will continue on this trajectory until 2020, when I plan to retire. If so, I will have met my savings goals while also paid off my debt goals and will comfortably achieved retirement goals.

I finally turned in that bag of pennies today. $21.43. It is one less thing to worry about as we declutter. I set the money aside to determine what to do with it..

I ended up leaving work early today to pick up Z and bring him home for the afternoon. He was so cute. He honestly is one of the gentlest souls I have ever met. We spent the afternoon giggling and blowing bubbles. Then met up with the rest of the family for birthday dinners. TOnight he is staying with DD1s family- visiting his other cousins.

I am ready for the weekend. Tomorrow night I am having DD1's kids over for the night. DD1 and hubby are DJing a wedding-

Otherwise,not much to report. Very concerned for Julie, aka Ima Saver. It has been quite a while since she has posted- and she had medical issues the last time she did post. I sure hope she is ok.


Frugal Rythm

September 9th, 2016 at 02:01 am

I am working on getting my frugal rhythm back this week. When the hub is home, we spend more than I do when I am home alone. So far so good. I am using up the last of my chili that I made last weekend, minus the 10 chili bean burritos that are still in the freezer. Those are still waiting for a later date.

I always have free coffee at work, rather than buying coffee on the way to. I used to spend about $3.50-4 a day, everyday...but about a year ago, I stopped. Now I prefer regular coffee over foo-foo coffee. I have even broke myself from needing creamer and just use a little sweetener.

Ive been taking lunches and trying not to spend. I did have to get gas today.

Tomorrow will be a spender though. It is DD2 and my granddaughters birthday, so I will be taking them out to dinner tomorrow night.

I am starting to plan Christmas gifts and love that I can use verizon points to give magazine subscriptions as an option. Rachel Ray, Oprah, womens magazines, teen magazines...I will see how well I can utilize those options!

Football starts tonight! I am so excited that it is once again football season. I love making soup and watching the games. I am a HUGE Packers fan. Any other Packers fans here? If not, WHO is YOUR team???

I still havent turned in the pennies. I have been pretty busy at work...but...tomorrow, I plan to bite the bullet and get it done.

Z had an awesome day with DD2...and sis made it to her first day of school. The plan is that all 3 kids will stay with DD2 again tonight. Another day for the kids to feel safe and secure. BM and BF did sleep in their car last night. They were hoping welfare would come through today so that they could get a hotel room tonight. FOr the unborn baby's sake, I hope they were successful.

Z is 'home'!!!!!!

September 8th, 2016 at 03:46 am

Z and his sis were dropped off at DD2s job about midday today- DD2 then brought them by my job - which was such a joy! They have both grown SO much. After work, I met them at the mall so that we could get sis a new dress for school tomorrow.

Out of the mouths of babes, they talked about bits and pieces of their lives- and it was so sad- primarily to hear a 7 and 5 year old know some of the things they do. (They were sad they had to leave there toys and clothes and pets behind, "but mommy and BF were in trouble and they left during the night" and "their house was trashed with all their stuff, and cat poop" etc.) It is clear there is no filter when they are around the adults, drugs, and fighting at home. I pray the school and DHS will sort through this and help protect them.

But HOORAY...they are back for today and it was amazing to hug those sweet kiddos.

Unfortunately, BM and her bf had no place to stay tonight, so they came to the mall and picked up sis so that they had a reason to drop in on sis's aunt and see if she would let them stay there tonight. With tomorrow being her first day of school, sis was excited...so I hope BM follows through and gets her there.

Tomorrow is DD2s birthday, what a great birthday present this is for her!!!

Thanks for letting me share my Z story. I am such a happy gramma tonight!

Update: BM dropped sis and the baby off with DD2. All three will be safe tonight! Didnt expect her to leave the baby too, but DD2 welcomed all three with opened arms.

Old Colony depression glass - I have a name for it!

September 7th, 2016 at 02:26 am

I looked up the depression glass pattern of the set that my mom had- it is called Old Colony- and its pink. The set is beautiful, but very fragile. At least now I know what it is as I determine what to do with it. Letting the dishes sit in a box will just allow them to deteriorate. I know there is someone who would appreciate them and I could put any $ from a sale towards college funds for the grandkids. I say this like I have decided, but the truth is, just thinking about selling the dishes makes me sad.

I think I will tuck my dad's coin collection away. Coins wont lose value- and maybe someday a grandchild will appreciate receiving a coin from their great grandfather.

The rest of the things, I just need to donate. It's time.

So, Z still isnt here. Supposedly BM is actually on the road today and plans to arrive at midnight. The plan tonight is that she will drop Z and his sis off at DD2s when they get to town, and DD2 will take them to school in the morning. Until it actually happens, we dont know for sure. DD2 spoke to the principal at the school today, and the principal has an appt with DHS tomorrow to start a case.

Today was a no spend day. I packed my lunch and then as I was leaving work, a co-worker offered my here pasta salad from lunch that she didn't/wont eat. (It has too much garlic for her taste) Since it was destined for the trash, I took it. Super yummy!

I found a dollar in the bottom of my computer bag tonight, so it is going into the tip bag for the cruise we are taking in November. So far I have saved $72 towards tips by turning in loose change and saving my small bills.




Happy Labor Day and Z is on his way to Oregon!

September 5th, 2016 at 05:18 pm

Happy Labor Day friends!

We are certainly starting to feel fall in the air here in So Oregon! The mornings and evenings are chilly- weather has dropped during the day to well under triple digits. I cant wait for the leaves to start turning. Fall really is my favorite time of the year!

The word on the street is that BM (and BF and kids) are on the way here today from Washington. Also, that BM is already using again (and pregnant). Frown She hasn't told DD2 if the kids will be allowed to stay with her or not. They start school tomorrow. Her plan is still living in the mission. Sigh.

I am going to enjoy this beautiful Labor Day at home. While the hub is in Alaska, I am trying to stay frugal- something that isn't as easy when he is home. Lately, it feels like we are on different pages where finances are concerned. I suppose that is because I am more focused on retirement, since my retirement target is about 7 years earlier than his. His allowance goes into his own checking account, but his spending comes out of the household account, because he likes to 'save' his allowance for toys. Hmmm. Definitely a disconnect there. :/

I have 2 more birthdays this week. DD2 and my granddaughter share a birthday on Thursday. I budget for birthday presents, so the $ is already there. Actually, granddaughters gift is bought, and I plan to give DD2 cash. These two are the last of a string of 8 birthdays in August and September...thank goodness!

Well, time to get productive this morning. I will post an update once we know what is happening with Z. Thank you all for your thoughts, prayers, and kind words. This really is an emotional rollercoaster for all involved.

Update on Z

September 2nd, 2016 at 05:34 am

DD2 found out thqt Z will be back in town tomorrow. Unfortunately, bio mom (BM) is expecting baby #4- and is heading here so that baby dad #4 doesnt go to jail for whatever crimes he has committed where they currently live. They are also fleeing a no contact order, since they are so volatile in front of the kids and with each other. Her plan, to live in a mission with all 3 kids. Z and his older sister are due to start school next week. Z, kindergarten, sister, 2nd grade.

DD2 has asked BM to let Z and sis stay at her house until more permanent arrangements are made so that they have some sense of stability to start school with. I guess we will find out this weekend. My heart breaks that Z and his siblings are in such chaos. what a broke, broke system we have for kids of druggie parents. BM asked DD2 to enroll both kids at the school nearest to her home. She couldn't even enroll her own kids in school.

I am excited to see Z...but heartbroken for his continued circumstances. Out of the 3 kids, Z is the one BM never bonded with, so she leaves him with anyone that will take him. Thankfully, if she comes and stays local, 'anyone' will be our family.

Maybe baby #4 will be the turning point for Z...I can only hope and pray.

The hub left back to Alaska today. Our weather has cooled significantly the last few days - almost feels like soup weather again- so this weekend, I plan to make a pot of soup to have on hand for the weekend.

Please keep Z and his siblings in prayer, thoughts, fingers crossed, etc. I want BM to get the help she needs- but more importantly, I want the lil guys to have the security that every child needs and deserves..

so heartbreaking, frustrating and unnecessary. Frown


GS birthday party

May 2nd, 2016 at 05:13 am

This weekend was my GSs 12th birthday party. My DD2 had asked if we could have it at my house and so we did. It was a sleepover party with GS and three friends, his sister, and DD1's son and daughter. Ended up with 10 kiddos, 7 adults, and 5 dogs. Thankfully, we have two acres for activities! I made lots of cupcakes, and they turned out yummy and cute. Some slept in the house, some in the 5th wheel, and the boys all wanted to sleep out in a little open cabin..I am sure they got cold, but they seemed to love it.

I was POOPED today, but I think everyone, especially the birthday boy, had a great time.

Today was a go nowhere, spend nothing day. I just had zero energy or desire.

Tomorrow and Tuesday I will be traveling for work- meaning all my meals will be paid for. (sweet!)

SG (dog) is doing great. He has lost some weight, which was really necessary. He loves to fetch, and so we play fetch A LOT. While I am travelling the next couple of days, DD3 will watch him. He is an exceptional dog. Extremely well behaved and just a good boy.

I'm not sure I am ready to go back to work already tomorrow. But alas, duty calls.

Free is good! Cupcakes in my future!

April 28th, 2016 at 11:12 pm

Recently a co-worker brought cupcakes to work. She had them in a really cute cupcake carrier and they were super delicious. The combination of the carrier and fancy frosting made them absolutely adorable!

One of my goals this year was to start a new hobby- and I think, with 6 grandkids, cupcakes might be a good choice. I found a cupcake holder that I liked on Amazon, but it was $39-so I held off thinking maybe it would make a good birthday gift idea for the family.

A few days ago I went back on Amazon and up popped an offer for $80 in free credit if I got an amazon credit card. Hmmm....so- I got the cupcake holder, a tool for frosting, some heavy stock cupcake liners (which helps maintain their moisture and makes them bakery like)...and got it all for FREE. The cool thing is that the boxed mixes turn out great in these liners...so dessert for birthdays and holidays will be fun and way less than a store bought cake!

And I got everything today...just in time for my grandsons birthday party this weekend! Now I cant wait to start creating.

Is it May yet????

April 24th, 2016 at 06:34 pm

Nothing like sitting down on a peaceful Sunday morning with a nice hot cup of coffee, only to spill it in your lap soaking my lap and the couch. Ouch and darn.

Now that the mess is cleaned up- hello!

April is quickly coming to an end- and thank goodness it is! Between a state/federal exam at work, taxes, and presiding on a board that just held a two day conference...I am broke and pooped. In the midst of this I lost a beloved brother in law and inherited his dog who I will call SG.

SG has been the happy in our world. Yes, he tears his toys up and loves spreading the stuffing all over the house...and yes, his desire to fetch is endless...but his sweet personality has easily and fully won our hearts! He gets along with our other dogs and even our cat is warming up to him.

The hub is starting to take a little more interest in finances this month. A sign that, on my quest to pay off that visa, I may have cut things back past his pain point. hehe. I will have to continue to tweak and more importantly, communicate so that we are both comfortable with the budget while attaining our goals.

The hub took our oldest gs (12!) to the coast to ride quads today - giving me a whole day free to catch up on housework and get ready for the week ahead. My vacation schedule this year is more heavy on the back end of the year, meaning this first half Ive only taken 2 days off and it will be 5 more weeks before I finally get a week off. I will be ready for that week by the time it gets here - we are going camping up on the river for the first time this year. Then, I will have more time off in June and July.

We have reached the 1 year mark until we go back to Oahu. Its been almost a year since we vacationed there, and we knew when we came home that we would return. So, we booked the house for April 2017 and have been waiting for the one year mark to start getting excited. Big Grin

I love having 'fun time' plans out on the horizon to look forward to.

Hi Gramma Ray, I remember you!

February 7th, 2016 at 05:36 pm

Words that melted my heart yesterday!

Backing up just a hair...DD1 caregives for her hubs step-grandfather. He has alzheimers. He fell Friday and fractured his pelvis. He does not do well with change in his environment and was very confused when he was admitted to the hospital- so DD1 spent the night with him to provide whatever familiarity and comfort that she could. (Have I mentioned how VERY PROUD I am of this girl?) Her only request, a coffee Saturday morning...

I was keeping her company at the hospital when DD2 showed up with lil Z. He looked at me and said, HI GRAMMA RAY, I REMEMBER YOU! Do you still have your doggie? Awwwww... a few minutes later he said- Gramma Ray, why do you keep hugging me and giving me kisses?? lol. He wanted to just sit on my lap and listen to stories about when he was "little"...cause, in his words, he is a BIG BOY now...age 5. And handsome, I might add. Then he said, I just want to stay here forever...but we reminded him that he would miss his mommy and gramma. He said I have 3 mommies...and pointed to DD2 and me and said his mommas name. AWww....

Sadly, his visit was brief since we were at the hospital and grampa was not doing so good. But I cant describe what that lil visit from Z did to this gramma's heart.

My back and arm are a little better this morning, which I am so happy about. I actually feel like getting up and doing things today- and after a week of being in pain, my house needs attention and I have a couple of projects from work that I need to spent tima on. And I need to pick up some groceries to ensure I take lunches and make dinners all week! And, and, and... how far behind you can get in a week!

Lil Z - Pinched nerve and a 2016 Goal Update

February 6th, 2016 at 04:52 am

Ouch- I somehow pinched a nerve in my back last weekend. I think it was the combo of sleeping in a new bed (at the vacation rental) and on a different pillow. I broke down today and went to the Dr. This isn't the first time I have had a pinched nerve- so I am familiar with how to nurse it, and just as I suspected, the Dr agreed with my current strategy of ice, heat, meds and practicing the physical therapy exercises...and said if it still hurts in two weeks to let him know and he will order an MRI.

Nerve pain just sucks. It makes places hurt that really aren't hurting and causes muscle spasms that can drop you to your knees..this one is in my upper back/shoulder and its causing my whole arm and wrist to ache....two more weeks. (yippee)

It is annual bonus time at my job. We have the opportunity to leave the bonus in an account that pays 2%- which I would love to do. But because we owe on the remodel and I am paying 7% on that loan, I will apply the bonus towards that debt. (A 2016 goal is to pay that debt down or completely off, depending on the hubs work schedule) Right now, it looks like we will be able to pay the full $24.5k off this year.(yay)- It is already under $20k. And THAT gets us a giant step closer to our 5 year goal!

This is also pay raise time. I received a 4.5% raise. I had already upped my 401k 3% this year. We are checking to see if the hub can up his- he may have missed the deadline. If he is not able to, I will up my Roth contribution another 2%.

Some of you may remember little Z from my older blogs- our little foster boy that lived with my daughter from 4 months until he was 3. Well, he is in town this week and has spent the week with DD2. I get to see him tomorrow!!! This is the 3rd time DD2 has seen him since he left 2 years ago. It will be great to see him, he has grown so much!!





Bring on December!

November 29th, 2015 at 05:17 pm

I finally made time to upgrade my laptop to Windows 10. Buh-bye windows 8, I wont miss you one bit! I really enjoyed getting a better product free!

Black Friday ended up being a no-spend day for me. I just didn't see anything in the ads that made me want to fight the crowds or even shop online. I actually just worked, rather than take a vacation day. I have done a pretty good job of shopping sales this year and using coupons to get all of the grandkids gifts. Some, like my grandson's new concert ukulele- didn't have a sale, so I paid full price, but for special gifts like that, I don't mind. I really avoided computer and gamebox gifts and instead went for STEM items, building sets, art kits, outside games, etc. Things that they may not go "WOW" about on Christmas morning, but hopefully will pull out when the holidays settle down and make them think or learn new skills.

All of their gifts are wrapped. I also got each family a family gift- a board game, some jellybeans, popcorn, and a sand kit.

The adults will get cash or gift cards. This is not only easy and requires no wrapping- but certainly lets them get exactly what they want. I am totally at peace with not shopping for the 'perfect' gifts for the adults anymore- as I do special things all year for them.

My son and his family will be here on the 18th for the weekend. We will do our annual 'road rally' and gift exchange on the 19th. The road rally is an annual tradition the teams up different family members in each vehicle and they have a list of tasks they have to accomplish within a set time period. I plan it and the kids and grandkids participate- it is always great fun for everyone.

My son in law and DD1 are hosting Christmas dinner on the 25th.

Which means- with the exception of final touches on the road rally planning, I am pretty much ready for Christmas and am so relieved that I don't have a long list of things to do between now and then.

Work is another story. I am super busy and will have some long days this month. Which means I need to BALANCE work/home and not burn out.

Wishing all of you a peaceful month ahead.

New treadmill and the truck vs the elk

July 27th, 2014 at 05:35 pm

My son called to tell us that his in-laws are selling their treadmill for $60. They are moving into a smaller home and wont have room for it. I am not sure about the size of their new home, but I have a whopping 390 sq ft. However, I know this is a nice treadmill in good condition AND I am going to Hawaii in 10 months. What to do, what to do? My solution, out with the dining table and chairs, scrunch things up a little more, and in with the treadmill. Big Grin The hub is on his way to pick it up now.

We are getting to have little Z quite a bit- as in several times each week- mom gets overwhelmed and needs breaks - much to our joy!! Z has FINALLY been assigned a CASA worker- thankfully a seasoned one who understands the needs of the child and the pitfalls in the system. He is concerned about some of the decisions that have been made and is concerned about his moms ability to raise him and has requested evalutions. I sure hope Z isn't shipped back out of state to his grandma- he has been moved so many times. We are taking each opportunity to see him and enjoying every moment. He went with us yesterday to the local caves. Unfortunately, he wasn't tall enough to go on the tour, so I spent the afternoon with him while everyone else took the tour. I took Z for an ice cream, we went 'exploring', took lots of pictures and had a great time. He was none the wiser that he had missed out on any fun. And I loved every second!

My sons business is doing great this summer and he is slowly starting to pay us back- not much, but what they can- and it is nice to see the flow of funds reversing. I am so proud of him for working so hard to make his dream successful.

We were supposed to be camping this weekend. Unfortunately, on the way home from picking her dad up from the airport, DD3 and the hub hit an elk. Thankfully, they weren't hurt- the elk and the truck not so lucky. The truck is in the shop. Damage was about $2600- my surprise was that our deductible was only $60. Umm...I guess that's good this time, but I will certainly be raising that - as I am sure our premiums are reflective of such a small deductible. wow.

My oldest grandson, 10, spent the night with us last night- he is curious about ancestry- so we have spent the morning talking about our relatives. He was surprised to see a picture of my paternal grandfather and to realize his great grandfather was full-blooded Cherokee, which means GS is part Cherokee too! Fun times









Happy 4th!

July 4th, 2014 at 06:35 am

Happy 4th to everyone! I hope you have a safe Holiday!

This past month (oh wow, it HAS been a full month since I posted) has been so busy. Work has been go, go, go- with full time plus and a couple of weekend days too. The rest of the summer is going to be much of the same- thankfully I have a day off here and there, followed by vacation the week after labor day.

Prayers were answered and DD2 and I got to see lil Z for an entire day. He has grown so much. He was a little shy at first, but soon warmed right back up to us and spent the afternoon enjoying lap time with gramma. Smile I am so happy we may get more time with him.

Tomorrow all the grandkids will be together for the 4th. My dil's mom is having everyone over for a swim party and BBQ. DD2 may even get to bring Z- I will be in gramma heaven for sure with all 7 of them together. PICTURE TIME!!

We are doing pretty good with our finances. We have a line item set up for our trip to Hawaii next May- which will be the next big trip. Our last big trip was in 2012..and next year is the 25th wedding anniversary- so I am more than happy to splurge a little on a wonderful adventure!

I am working on the emergency fund savings and rebuilding it. Helping the kids at the beginning of the year and focusing on paying off debt equaled a drained EF...so rebuilding that is our focus now.

I am still in the little house- and its ok for now. When DD3s friend moves out, DD3 and I will swap houses and I will be back in the bigger country house.

I have missed the blogs- I hope to catch up on reading them all this weekend. It feels great to have the three day weekend ahead!

A day at the lake with the grandkids- gramma heaven!

May 26th, 2014 at 04:38 am

What a wonderful day! This morning DD2 and I headed down to the lake where DS, DD1 and their families were camping for the weekend. It is about a 2 hour drive. I spent a very HOT day under a shade cover welcoming on my lap whatever grandchild needed a place to dry off and warm back up after a cold dip in the lake. Since I don't see my sons kids as often as I do the others, they were the two that stayed on my lap most of the day. GS is 4 and GD is 6. I loved every second. My son celebrated his 30th today. Then this afternoon DD2 and I drove back home and I am now enjoying my nice cool house. A wonderful day for sure.

Yesterday, I took two $10 off any item cards that I received from Kohl's, and got two candles for future friend gifts. Normally they were $19.99, but were on sale 50% off, so the candles were free. Cant beat FREE!! Thank you Kohls!

Tomorrow I am going to get laundry and food planning done for the week ahead. I love having an extra day off on the weekend- just that one extra day makes so much difference.



GUESS WHAT? Lil Z is coming back!!!!

April 5th, 2014 at 12:53 am

We learned today that lil Z is coming back to Oregon! The state is going to try placing him with bio parents- splitting the time with each about 50% of the time.

Mom is in a secured rehab program and dad has passed all recent drug tests, so the state wants to try the placement. It is shaky at best, but it does mean that lil Z will be here locally and that (hopefully) we can have visits with him! He left in November, so its been almost 5 months. I am cautiously optimistic that this will end up being at least semi-permanent for him. (He will be in the area for 18 months while mom is in the secure rehab.)

He arrives in 5 days and dad has stated he is open to letting us see/spend time with Z during his 50%. Not sure if mom will be or not yet. In any case, Gramma is offering free babysitting anytime I can!!!


Meal and house plans

February 23rd, 2014 at 06:05 pm

The hub is back in Alaska for the next month.

Since I am feeding just me, I have planned simple meals for the next week. I put the makings for split pea soup in the slow cooker this morning, will make a big batch of oatmeal today and am going to cook up some chicken for chicken and quinoa. These will make up breakfast, lunches and dinners for the week. Big Grin

My three oldest kids recently lost their paternal grandma (my ex-mother in law). She was a nice lady who was extremely frugal her whole life. She saved a nice nest egg, only to have her two primary heirs (her son and her brother) fight over everything while she was spending her last days here. Thank goodness the kids were there with her to keep it out of her hospital room as much as possible...and shame on both of them. I am so proud of my kids for making their grandmas final days as peaceful as possible, and to show her that there were at least three people who loved HER and not her money and possessions.

It just drives home the point to have that will and/or trust and make sure you write down what you want (funeral, cremation, services or no) after you go. SOOOO important for those left behind.

The hub and I are making good progress on our financial goals. Unfortunately, there have been some emergencies with a couple of the kids that have really drained the savings. Frown Bank of mom and dad must close, but we have a tough time saying know when it will impact the grandkids. But the hole must be plugged. I am at a point where we have helped, but any more will be enabling. (If I were objective, Id probably say we passed that point a while back- but at least we are drawing a line in the sand now)

I'm about to start my NINTH month in the little house. Thankfully, the weather is starting to warm a little and spring is coming. Spring and fall are my favorite times of the year, and living in the country just makes those seasons more enjoyable. There is an old wooden planter on the side of this house that promises to burst with tulips in a few weeks. The wonderful thing is that my dad planted these tulips years ago, so for me, those flowers are a continuing gift from him. In his younger years, my dad was a burly truck driver but in his older years he softened and loved planting flowers and feeding the squirrels and birds out here.

We will be making repairs and remodeling the big house this spring and summer. I will move into it when it is done and make a final decision as to whether to stay out here or not after next winter. Whether we stay or not, the work must be done.

So, it is a wonderful sunny day today, one that will be filled with cooking, laundry and cleaning. The type of Sunday 'putzing' that I love. I hope everyone has an equally beautiful day!

Eval and Yellow Belt

January 25th, 2014 at 05:23 pm

Happy MLK Day! (Started this post earlier this week)

I am enjoying the day off. I got up early and made a to-do list. I needed to catch up on work, but my work laptop does not play well with my internet here, so I have crossed that item off my list and will just go in to the office early tomorrow. Movin on.

I made a beef roast in the crockpot. It is a good sized roast that should last a few days- I will enjoy roast and potatoes, tacos and beef dip sandwiches the next couple of days. Smile

Today- 1-25-14
I am struggling to finish my posts lately. So much going on- and not enough time to get it all done!

Today DD1, DD3 and I are going to High Tea at my friends tea room. The food is always excellent, we get to try some new teas and there will be a guitarist there playing live music. A couple of hours of relaxing girl time.

Yesterday was payday- my increase in my 401k was included. It is pre-tax, the addition to my 401k was about $70, the hit to my paycheck, $40. My raise will be 4.75%...so I will increase the contributions from 10% to 12%.

I spent most of this past week moving into my new work space. Our department will work at this location for the next year. The location is great, the workspaces are less than desirable. But I am being paid to work where they need me to work, so I am fine with it.

I received my evaluation yesterday and got a very good one. I wasn't sure how the eval would be since I was promoted mid year. Even in the new position, I received good marks. Very nice surprise!

We managed to use our entire annual FSA funds already with the hubs and DD3s dentist expenses- I contribute 1200 a year, and it usually lasts most of the year. Oh well, at least it was there to use!

My oldest grandson (9) started Karate last month and got his yellow belt last night. He did so good during his testing. He asked to spend the night last night, so he is here this morning. I sure enjoy the time with him. I know someday he will have other 'more important' things to do..but for now, it is wonderful that coming to grammas is still a big treat.


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