Every Day

Yesterday’s Attempts to Save Money

Hubby went to the lab for blood work which will all be paid for by our insurances.

I made ham and eggs for me for breakfast. Hubby had some of his homemade Keto pancakes.

We had to replace our reusable cups for our Keurig a few days ago. We bought some stainless steel filter ones which fit perfectly in the Keurig without having to remove the piece that holds the K cups. They are so easy and left no grains in our coffee which was a good thing. Our old ones were very old and were leaking grains into our cups.

The Aqua Systems technician came today and blew the water out of our sprinkler system lines so that they won’t freeze over the winter. It is cheaper to have this done than to replace parts that freeze and break. Many times you have to spend some money to save much more in the long run.

I did a load of towels along with a terry cloth bathrobe in cold water using my homemade laundry detergent. I dried them in the dryer with my dryer balls to save on electricity.

I decided, since we have such a busy week, to get a Walmart grocery delivery. It came this morning. I needed avocados, a 46 ct. box of Slim Jims, some Quest tortilla protein chips, Enlightened (Keto friendly) ice cream bars, a pint of Rebel ice cream, a bagged bacon ranch crunch chopped salad, 2- 24 oz. Great Value bacon, and a bag of angel hair coleslaw. The entire order came to $ 46.93 plus tip. Expensive but cheaper than elsewhere for me. That is really all I needed this week. The avocados were absolutely perfect much to my surprise. And the bacon is the best value that I can find anywhere. Plus whoever is pulling the bacon for my orders really knows how to pick it. It is always extremely meaty.

Dinner was steak done on our outdoor grill. It will probably be the last one cooked out there this year. The grill will be put in the shed for the winter this weekend when my son comes. I added a Caesar salad to our steak and that was dinner. We have enough steak left for another meal or breakfast.

Did you save any money yesterday?

Every Day

Money Saving The Past Few Days

Over the weekend my wonderful neighbor spent hours raking and mowing our lawn. We are very grateful to him for doing that. It hadn’t been mowed in two weeks plus most of our trees had lost their leaves. Believe me when I say it wasn’t an easy job. He saved us from hiring someone. We did give him a gift afterward.

We have always loved Halloween trick or treating. But we did not participate this year because I was leery of Hubby or I picking up any kind of virus from the kids. That would be the last thing Hubby needs right now. However our neighborhood did have a parade with all the kids in their costumes on Sunday. They were led by a state trooper car with it’s lights on and the siren letting everyone knowing they were coming as they entered each different street. Hubby and I sat outside waving to the kids as they went by. We were so surprised at how many little ones there were. We loved seeing their costumes.

The new snow plow driver came to pick up the money for our winter plowing. He told us he will be back soon to put the reflectors on the sides of the driveway where he wants them. He wanted to wait until after Halloween because it seems kids have a tendency to take them. He seems very nice and I am sure he will be reliable. However, my son when he comes for Thanksgiving will tune up the snowblower just in case and teach me how to use it even if I just end up using it to do the sidewalk. I am grateful for that.

Our dinner meals this past weekend were Keto chicken parmigian for two nights with green beans. Each meal was 1/2 of a chicken breast, mozzarella cheese, and Rao’s sauce and 4 whole green beans. Breakfast was ham and eggs and a sausage patty and eggs. Everything was eaten at home.

Of course, our entertainment was the Buffalo Bills game which they won. Go BILLS!

Other than those things, it was a quiet weekend.

Yesterday was Hubby’s follow up appointment post hospital with our cardiologist. He took his time explaining and covering everything and answering all of our questions. He also did not like some of drugs that they prescribed at the hospital so he changed those to give Hubby the best drugs for his condition. I spent part of the afternoon waiting for those to be filled and bringing them home. He also gave Hubby instructions on how to judge how much exertion he can do. The drugs were not cheap( $135.) but that is why we save money.

I have been looking for a good warm sweater for a while now. The one I had was from before I lost weight and is 3 sizes too big. But the prices were too high until I saw this one:

I loved them and purchased a navy one. Not only were they reduced by 13% but by going through her link I got an extra 25% off. I also got free shipping without being an Amazon Prime customer. So my $39.99 sweater ended up costing me $29.99+tax. I think this deal may still be working if someone needs a sweater.

Other than these few things, we did the usual: heat lowered, cold water washes, cooking using the cheapest appliance energy wise, lights off in the daytime, etc.

Did you save money these past 3 days?

Every Day

End of Week Cost Cutting

We started our day out yesterday eating chicken salad in a lettuce wrap. I made it with leftover shredded chicken from the rotisserie chicken, diced celery and a little mayonnaise.

I spent some time browsing books on the Hoopla app which I get via my local library. I have made a list of what I want to read over the long cold winter. This is a great free service that you can get via most libraries. Mine also has the Libby app. I love the fact that I don’t have to leave my house and go to the library to borrow books. It is a savings of gasoline and time! Plus I don’t like going out in the cold and snow unless it is absolutely necessary.

A lot of my time yesterday was spent hemming two pair of pants by hand. I wish I was a normal size but even my size in short is too long for me. So they always have to be taken up. I could have taken them to the seamstress up the road but she is expensive and I didn’t want to spend the money.

The only small appliances that I leave on my counters in the kitchen are the air fryer oven, toaster oven, Kitchen aid mixer, and Keurig coffeepot. They are left out because I have a lot of counter space and I use them all of the time. I used to keep all the others in the basement but they were heavy for me to carry up and down the stairs. So Hubby built me some wire shelves in the garage. The problem with that is Hubby also was using those shelves for all the garage stuff and it was starting to encroach on my appliances. Plus garages get dirty meaning I had to wash the appliances whenever I wanted to use them. Plus the garage gets cold over the winter. So I wanted to remove them from the garage and put them in a space that would be convenient for me without having to spend money on something to house them. I finally decided to rearrange things that were in the guest room closets. I put a lot of things in the donation pile that I no longer needed. The guest room closet of the room that mostly adults stay in had a shelf of board games, card games and puzzles in them. I decided to neatly put them on the closet shelf in the room the grandchildren stay in.

Since the room where the adults stay now only has some spare blankets and pillows and my cases of canning jars, etc., I decided to put the extra small appliances on that shelf. It is right down the hall from the kitchen and they will stay clean in there. Dilemma solved and no money spent on housing those appliances.

Dinner tonight was taco salads. I made them with romaine, onions, sliced black olives, tomato salsa(for Hubby), guacamole salsa, taco meat, triple cheddar cheese and sour cream. Lately I have not been able to find decent avocados. So instead I purchased the guacamole salsa. I had never put salsa on mine so I tried the guacamole and it was spicy and delicious.

My supermarket ads came for next week. I only saw two things at Top’s that I need. But Aldi’s had quite a few so my two shopping lists are ready for me to go next Tuesday which is senior discount day at Top’s.

Tonight’s entertainment will be Thursday night football free on Twitch which we will stream to our big TV.

Did you save any money today? If so please share with all of us in the comments.

Every Day

Small Things We Did Yesterday to Save Some Money and an Apology

First I want to apologize to all of you who wrote such nice comments on the post about Hubby’s heart attack. I am sorry that I didn’t get a chance to respond to them until this morning. I am trying to get caught up and have now responded to each and every one of you. Your prayers are greatly appreciated and so is your kindness. Hubby is taking his medicines and taking it easy like he was told to. He sees our cardiologist next week so we will see if he approves of the changes in the medicines that were made by the hospital doctors. I am very interested to see what he has to say about his heart attack. Thanks again to all of you!

Hubby had a low carb wrap with ham, provolone cheese, and lettuce for brunch. I was too busy to eat.

I had an appointment at Supercuts to get my hair cut. The stylist did a good job. I like the cut she gave me. With tip it cost me just $25. I noticed that my roots are really starting to come in. The stylist says it looks like my hair will be white with a sprinkling of gray. Hubby thinks it will make me look 20 years older and that I will hate it. I think he is right. So I am on the hunt for a coupon for hair color and I will do it myself. Yesterday Cindi told me that they have a senior discount. I don’t know if the stylist automatically gave me that or if I have to ask for it. I will ask next time. Thank you so much Cindi for that tip.

After my appointment, I stopped at Aldi’s to get the 5 lb. bag of chicken legs they had on sale for $ .89 a lb. They had none left. I wasn’t too disappointed since I have some in the freezer along with lots of other cuts of chicken.

I have 2 medical statements that came in the mail last week one of which was incorrect and didn’t show my cash co-pay that I made when I was in the office of $25. Fortunately, I always get receipts and keep them. I got that straightened out with the billing office yesterday. Medical bills are high enough without paying what you don’t owe.

The second was a medical statement from my insurance company that looked like a denial of claim that I would have to appeal for my ER hospital visit in July. I called them because the explanation of why they denied it was not there. I was told “Oh that is just a standard letter we send out when we need more info from the hospital”. It would have been nice if they had explained that and told me why instead of telling me they weren’t paying it. The representative said updates will be coming and I have no responsibility for any of that bill at the moment. I hate dealing with insurance companies on bills.

I texted my neighbor who is a good friend of ours to tell her about Hubby. I asked her if she or her Hubby knew anyone who could snowplow our driveway this winter. She told me she would tell her Hubby because he might know someone. He yelled over to me yesterday when I was leaving the house to go to the hair salon. He said he had a friend who said he would do it. We talked with him last night. He will do it from first snow through the last snow. His flat rate for the winter was very reasonable also. That is a huge load lifted off of my mind! My son who lives in the Adirondacks and is coming for Thanksgiving offered to teach me how to use the snow blower and tune it up for us for the winter just in case. I am going to take him up on that offer even if I only need it to do the sidewalk that leads to our porch. I used to snow blow once in a while when the kids were growing up but I need a refresher course.

We ate the leftover chicken enchilada casserole from the night before along with some string beans I cooked up from fresh. Waste not, want not!

Hubby and I continued last night to catch up on our shows on DVR. So that was our entertainment for the evening.

Did any of you save any money yesterday?

Every Day

Cutting Costs

These are the things we did yesterday to cut our costs.

I have been paying for Netflix for a long time as a gift for my granddaughter. When she was here visiting recently she told me that she and her mom don’t watch it anymore. So we kept it these past couple of weeks to watch some things we were interested in. But it really does not have much that appeals to the two of us. Yesterday, I cancelled it. That will save us $ 16.73 a month or $ 200.76 a year. We have free Paramount+ and free Peacock to watch.

Remember a few weeks back I applied for the energy rebate of $50. for getting our furnace tune up? That $50. check from our utility company came yesterday. So the tune up actually cost us $19. out of pocket. That was money well spent with the cold winters we have here.

I cooked breakfast in the electric fry pan. I did egg omelets with sauteed onions and red peppers and some cheddar cheese and a piece of sausage for each of us.

As usual lights are kept off during the daytime. We only use them when it is dark out. We also follow the sun around the house and open and close curtains to let the sun in to help warm the house.

It was 79 degrees here yesterday so we opened the windows to cool the house and get some fresh air. I didn’t need to close everything back up until 10pm. It went down to 47 during the night.

We no longer are buying alcohol. Hubby can no longer have it and it really isn’t good for me either. So we will use up the beer and liquor in the house when we have company.

We had two large flowering bushes outside that needed to get cut back for the winter. Hubby does that every year, not our regular crew that trims and weeds. Hubby doesn’t let them touch these or the roses. We went out and Hubby sat and cut them down almost to the ground. I bagged them and carried them to the garbage area in the garage. They will get put out to the curb tomorrow night. Hubby can’t carry anything that heavy yet. By Hubby taking care of these and the roses it lowers the bill that we pay to the landscape company who maintains everything else at our home.

I took my navy shower which saves on our natural gas and water bills.

For dinner, I made It was delicious. I baked it in our toaster oven which uses much less power than my big natural gas oven. I substituted low carb tortillas instead of the deli chicken, triple cheddar cheese instead of the Mexican cheese and I did not use the blue cheese. I go with what I have in our home. This meal will feed us again tonight and perhaps for a brunch.

I washed all of the sheets on all three beds in the house in one load to get ready for Thanksgiving company. Ours which I wash once a week needed to be changed so I decided I might as well throw in the others and those beds will be ready ahead of time. They were done in cold water with our homemade laundry detergent.

For entertainment, we spent a couple of hours catching up on our favorite shows that Hubby DVR’s every week.

We are still looking for a snowplow service to no avail. We have called at least 10 companies that advertise snow plowing but no one has called us back. I am starting to think that people hired early and that they have all the clients they can handle. Back up plan will have to be me. I can’t take the chance of an ambulance being called for Hubby and not being able to get him because of the snow. I have to go out today to Aldi’s so I am going to stop at the town hall today and see if they know of anyone. All of this has me thinking about making some big changes in our life next year.

Did you do anything that you could share yesterday to save some money?

Every Day

Cutting Costs: Some Large & Some Small

These are the things I did yesterday to cut our costs.

You all know that my expensive hair salon has been something I have needed to take off my list for a long time. Hubby has always told me to keep going there because I like the hairdresser. However, her prices have gone up and I can no longer justify paying almost $150. every 4-6 weeks for haircuts, root touch ups, and highlights. So I cancelled my next appointment. I will be making an appointment at Supercuts for a haircut which I desperately need. I don’t know what they charge but I am sure it is way less for a haircut than I have been paying. I will also be looking for a coupon to defray that cost. I will be letting my gray or white hair grow in over the winter. I have no idea what color it is. At my age, I don’t care about getting it colored anymore. As long as it is clean, neat, and cut, that is all I will concern myself with. If for some reason my natural color turns out to be awful, I will color it myself. A box of hair color purchased with a coupon will be so much cheaper than what I am paying now.

I used the electric fry pan(cheaper than heating up the gas stove) to make Hubby some Keto blueberry pancakes for breakfast. I actually made a whole bunch to freeze for future meals when he is craving them.

The temperature outside has been in the 70’s and will be 69 today so the heat only seems to come on overnight when it is colder. That will save us some money. We just got our natural gas and electric bill for the month ending October 21. We only used 390 kwh instead of the 451 kwh we used same period last year. I have really been watching our usage and cutting back. We did use 1 therm more of natural gas than last year but it has been colder. Our bill last year was $ 115. This year’s bill was $ 144. so $ 29. more. It would have been so much higher if I hadn’t been cutting back on the electric.

I washed a very large load of wash with cold water and rinsed in cold water. About 1/2 of the load, I hung to dry. The rest was dried in the dryer using my dryer balls to save on how long it needed to run to dry. I used my homemade powered laundry detergent in the wash.

Hubby had been procrastinating on taking the 6 hour course for NYS online that saves us 10% off our car insurance. You take the course and you get 10% off each year for 3 years. The course saves us on average $119. per year. The course only costs us $ 25. So we end up saving $332. Today he is sitting at his computer and taking it. It needed to be taken by October 31st. So that is now done.

Since Hubby was taking the course and could reach me on our cellphone if he needed me, I took a quick trip to Top’s. I picked up 4 Two Good yogurts, a package of romaine lettuce, some all natural deli sliced turkey and roast beef to put on salads, 1 G Hughes salad dressing, 4 cream cheeses, 1 cheddar cheese block on sale and 1 pkg. of mozzarella sticks for a chicken recipe, a rotisserie chicken, 2 Skinny Pop, 2 on sale sour creams, 2 Rao’s spaghetti sauces and a pill splitter. The rotisserie chicken was on sale so it cost me less than buying the whole chicken and roasting it myself. I will put the skin and carcass in the freezer until I get a second carcass and then I will make bone broth. Total cost for all was $ 77.64. Just outrageous! But they were all things we needed.

Dinner was easy. I had already cooked Jalapeno Cheddar Sausages leftover from last night. They just needed to be reheated in the microwave. I served them with healthy homemade coleslaw that we had had the night before. I always try to cook for 2 meals at a time to save time and energy.

I have many, many, paper plates right now. So I have been using them when I can to save on running the dishwasher as often as I have been.

Our entertainment for the evening was Hubby watched Monday night football and I called and chatted with my sister for an hour.

Did you do anything to save money yesterday? Please share with us in the comments so we can learn from you.

Every Day

Learning to live on 50% of Your Current Income

So many people have had their income cut for different reasons:

Loss of job (living on savings or unemployment, etc.)

Pension being cut in half or taken away

Retirement income being used up

Inflation cutting into the income you do have with rising food prices, gasoline, insurances, utility costs, etc. ( Yes! Inflation basically gives you a pay cut.)

Some of you purchased homes just before all of this inflation hit and at top dollar. Now you are having trouble making ends meet.

So many people are having to adjust their budgets right now and I believe that so many more will be losing their jobs in 2023. We are already seeing many companies lay thousands of people off.

To be totally honest, I do not see an end of this in sight for the next couple of years.

Every one is affected by at least one or more of the things that I listed. So we all have to cut expenses where we can and that is going to be my mission from now through next year and beyond if need be.

We will strive to live on just 50% of our income so that is going to take some major cost cutting. Will that be easy? Not at all. Will we be able to? I don’t know but we will be trying our hardest.

I know so may of you will not be able to join us because you are using every penny you have to just survive. However everyone can cut costs even if it is only a little bit. I have always said every little bit helps. So all the ways that I will be showing you how we are cutting costs should help in some way.

We are facing different and more expensive food costs because of the diet that Hubby has to follow. I have been making 99% of his meals from scratch since he came home from the hospital. Everything that he can’t eat has been taken out of our kitchen by donating it or disposing of it (open jars etc. in the refrigerator). This way he knows that he can eat anything that is in our kitchen and that he won’t be eating the wrong things.

We also are facing another expense besides some of the hospital and doctor bills and new drug costs. I am trying to find a snowplow driver for this winter. Please wish me luck because winter will be here soon and snowplow drivers are hard to find.

The best time for me to post on here is while Hubby is sleeping. He sleeps longer in the morning than I do usually. He is sleeping right now, hence the post. The rest of the day is taken up with our needs. So look for posts in the morning. I will try my very best to document every little or big things that we are doing.

I will start tomorrow if he sleeps in.

Every Day

I’m Still Here

Just wanted to let you know that I am still here but just not posting at the moment. My Hubby had a heart attack last Monday. I was finally able to bring him home from the hospital this afternoon.

So I will be a focusing my attention on him the next week or two and the changes we have to make around here. Then hopefully I will be back regularly.

Every Day

I Have To Ask Why?

I don’t normally publish anything like this but I think everyone should see this

I looked at the news at 4am when I got up this morning and this is what shocked me. I have to ask why would they do this and on our soil? And why put the information out there so close to the midterm elections?

Perhaps now some of the conspiracy theories out there don’t look as outrageous.

Every Day

Aldi’s Grocery Shopping Haul Yesterday

Besides the turkey that I purchased for Thanksgiving, I bought a few other items that we needed.

Almost every time I go grocery shopping, I pick up a pound of butter. In past years, I have always purchased 30-35 pounds of butter to last us a year or so at a great sale price at Aldi. I am not counting on that happening this year and I am getting low on it. The butter was $ 3.79. The ones I purchased in November of 2021 I think were $ 1.97? So butter has really gone up.

I always like to have fresh mushrooms in the house because we usually have steak or hamburgers once a week. These were $ 1.29.

My last purchase was 7 blocks of different cheeses. I had run out of them. We shred the mozzarella for our homemade pizza. I have the grater attachment for my Kitchen Aid mixer and it does a beautiful job. The cheddar we slice for snacks. The others we either slice or shred depending on what recipe we are using them for. They were all $ 1.99 each which is the cheapest price in my area.

So I spent $ 45.98 including the cost of the turkey at $ 26.97. These will be my only food purchases this week.

To save on gasoline, I also stopped at the drugstore for a prescription. We are staying at home most of the time and getting a lot more done here.

We started our day off today by making homemade “egg McMuffins”. Ours taste much better, have more bacon and egg and cost less than 1/2 the price at McDonalds. Plus I didn’t have to waste gas and time to go get them.

I hope you all have a wonderful weekend!