Category: Every Day

My granddaughter went home on Saturday. We drove her to Syracuse to meet her Mom. She is a delightful teenager now and we so enjoyed her company. This past week we did spend some money to entertain her. She loves car trips. So she worked out three trips within 150 miles of our home. She described each of them to us: where we were going and for what. She told us she really liked trip # 2. So did Hubby and I. So we ventured south to Olean, Porterville, and Ellicottville. The scenery was breathtaking. It is ski country. We drove through Olean to Porterville to go to Sprague’s Maple Farms. We had lunch in their restaurant which was quite beautiful. They also raise organic turkeys so I could not pass up their hot turkey sandwich for my lunch. The turkey was so tender and delicious. It may be worth a trip down there again to pick up an ordered turkey for Thanksgiving. Then we continued on to Ellicottville to Watson’s Chocolates before we went home. It was a fun day for all of us.

West is coming on Thursday and will be here this time until Sunday evening. I am writing up a list of things to do to keep him busy. He has lots of energy.

Now on to the things we have been doing to save money:

• Pictured are our four tomato plants. They are getting really big and have lots of flowers.

• We even have some small tomatoes on them. Since tomatoes, which we love, are so expensive this year, these plants will save us quite a bit of money.
• Since we have had lots of rain, we have not had to water for the past 10 days or so. That will save us some money on the water bill.
• The majority of our meals we made from scratch while our granddaughter was here. We did go out to dinner on our wedding anniversary.
• I picked up my new denture at my dentist this morning. Those of you who have been around a while know all the trouble I have had with it breaking in half. Well, it happened again for the third time while West was here a couple of weeks ago. It seems that other people who use that lab have also been having trouble. So a new denture was made for me using the most expensive material they use for them. The material is also flexible. So there is no chance of it breaking while I eat. The lab and my dentist ate the cost. But I have spent a lot of time in the dentist chair the last couple of years so it was the least they could do. Hopefully this is the fix.
• We have used a lot of gasoline the past week or so. It had been $3.05.9 per gallon. It goes up so rapidly, that I fill up when it gets to a half tank. So when we got back from our trip, it was just about empty. I filled up again at $ 3.09.9 a gallon. I filled up again when we got home from taking my granddaughter to Syracuse. I also picked up Hubby’s prescriptions at the same time to try to make this tank of gas last a lot longer. Fortunately, I had Top’s gas points to help defray the cost. But I am now out of them. I noticed today that the price has gone up to $3.13.9 a gallon. What are you guys paying for gasoline?

• This was my deal of the month that I found today. Top’s had a Super Coupon for $ 4.99 for Smithfield bacon which I will not buy for two reasons. The first being that it is awful bacon and the second that the company is owned by China. I like to keep a few pounds in the refrigerator but I was getting low. So even knowing that I wouldn’t buy the Smithfield, I ventured over to the bacon to see what else might be on sale. Well, the Hatfield was on sale but that bacon is even worse than Smithfield’s Then I saw this Jimmy Dean’s. That and Oscar Mayer are my favorites. But my grocery store and Walmart are always out of stock on the Oscar Mayer. The Jimmy Dean is always $9.99 a lb. I looked down at the shelf and it looked like it was on sale for $4.99 a lb. No, that must be a mistake. I looked at the shelf to make sure the label I was reading was the Jimmy Dean. It was! So I picked up a package to see what might be wrong with it. It looked fine and had about a 5 week expiration date. I purchased these 4 packages and I will now have plenty of bacon to make BLT’s when my tomatoes ripen.

• I continue to watch our water, electric, and natural gas consumption. I will conserve wherever I can. I believe the bills will continue to rise and that we have will have astronomical bills this winter especially if we have a colder than normal winter.

• I am buying Keystone canned meats. They are ready to eat and can be used in so many recipes. There are only two ingredients in the can. They are all natural and have no preservatives. The only one I can’t find is the turkey. But we love all of the ones we have tried: beef, ground beef, chicken and pork. It has now gotten to the point that it is cheaper to buy meat in the can rather than fresh. So we will continue to eat the meat in our freezer but buy the canned meats when they are cheaper. Keystone is a 4th generation family owned business in Ohio.

That is about all that is going on here. We have just been very, very busy with grandchildren. After West leaves on Sunday night, I will be free until he comes again for a week the end of August. So I should be posting more often.

What have you guys done to save money recently? Feel free to tell us in a comment.

I woke up early this morning to rain gently hitting our roof. It made me so happy. Water is in such short supply in so many places in the U.S. My first thought was that I hope it is raining in those places especially in the Southwest and California.

The Grand Solar Minimum has been causing such weird weather the past few years. It’s a weather cycle that our ancestors went through also. I remember learning about the “Dust Bowl” in history class. Farmers are dealing with drought conditions and it is not pretty. Many are choosing not to plant crops because they have no water to keep them growing. It will be a major reason why produce will become more and more expensive this year. I am already seeing that our local prices will be very high for fruit and vegetables this summer because of supply and demand. I expect that eventually shortages will affect us also.

In all parts of the country even if we are not in drought conditions, we should conserve water because wasting a precious commodity is not a good idea. Yes, water is now a commodity. It trades on the stock exchange in California and the price of it has doubled since it went on the exchange in December. Here is an article about this in case you aren’t aware that this is happening.

https://finance.yahoo.com/news/water-running-fast-wall-street-223053972.html

If you think that you will never have a drought where you live, don’t bet on it. The Grand Solar Minimum could last many years and we could all end up in drought conditions.

They are rationing water in California and many other states are looking at doing the same.

So here are a number of tips to conserve your usage of water and save you money too:

• Take “Navy Showers”
• Take quick showers, not baths. Or only fill up your bathtub with a minimal amount of water for the bath. Don’t fill the tub.
• Put your sprinkler system on a timer. Don’t water your lawn or garden when it is raining. Make sure you turn the timer off when it rains. Or get a sprinkler system like we have that has a mechanism that senses the rain and turns the system off.
• When you are boiling something, use as little water as you possibly can to cover that item.
• Reuse that boiled water to water your plants or flowers
• If you wash dishes by hand, use as little as possible and stopper that sink. Don’t let it just run down the sink while you are washing them.
• Catch the water in a bucket while your shower water is warming up. Use it to flush toilets, clean a floor, etc.
• Use your dishwasher if you own one. It will use less water than washing them all by hand. Wash full loads.
• Use the Eco cycle on your washing machine. It will only fill up your machine for what you actually are washing instead of filling it up all the way.
• Check your toilet for leaks.
• Don’t use your toilet as a waste basket to flush a Kleenex.
• Turn the water off while brushing your teeth. Then turn it on to rinse your mouth.
• If you don’t have a water saving shower head, install one.
• For the men, turn the water off while shaving.
• If you don’t have a low flush toilet, put a filled bottle of water in your tank. Make sure where you put it doesn’t affect the flush mechanism. You will save that bottle amount of water every time you flush.
• Don’t wash clothes if they are not dirty. Unless you are doing really dirty work, you can wear your outer clothes at least twice before they need to be washed. Underwear is my exception. Of course, I do have to say that I do not go to work everyday. Do what you are comfortable with.
• Are you washing your towels every time you take a shower? Why? You just dried your clean body? Your towel should be hung up and dried to get at least one more shower out of it.
• Check your faucets and pipes for leaks.
• Wash your vegetables and fruits in a bowl, not under a running faucet.
• When you water your lawn, do a deep soaking. It will get to the roots. If you just lightly water it, the sun will burn the water off.
• Don’t let the water run while you are soaping up your car to wash it. Soap it up in big sections and then rinse.

I am sure that there are many more ways to conserve this precious resource but these are the ones I use and all that I can think of this morning.

Remember that if you pay for your water, conservation also saves you money! That is a big bonus!

If you would like to add to this list, feel free to leave a comment and let us all know how you save on water.

We had to purchase a new washer and dryer recently. We were lucky that we only had to wait 3 months for them to get delivered. Our old set were about 16-17 years old. The dryer was overheating and the washer flooded my floor when it felt like it. So we purchased a Speed Queen TR7 washer and a DR7 dryer. They were very expensive but will eventually pay for themselves with the energy savings. They are so much more energy efficient that the old ones. They also take up less room which I love. Hubby is going to paint the laundry room before our new wall cabinets arrive. He is going to remove the wire shelf that the builder put in. The cabinets are delayed just like the washer and dryer were. I am making do till they get here. My old set had pedestals under them that had drawers so that is where I kept most of my laundry supplies. I need the cabinets to store my laundry supplies in. I have only had the washer and dryer one month but I am sure that the drop in my kwh’s on my electric bill is partly a result of them. The longest I have had to run the dryer to dry a load is 30 minutes. I try to only do laundry once a week. That way I can run successive loads which is the energy efficient way to do it. I still am hanging most of my clothes.

We only run our dishwasher every three days now. We are very cognizant of how many dishes we use for meals and try to keep down the number of pans by only cooking on the grill and in the air fryer.

We have a tankless water heater which saves us money by not having to keep a 30 gallon water tank continually hot. It gives us hot water on demand. It was one of the best things we contracted for when we had our home built.

I continue to take quick “navy” showers. Wet down, soap up, rinse off! I have timed this and I can usually do it in 5 minutes including washing my short hair. I don’t waste a lot of hot water.

We only turn on lights when it gets dark out and then we only use one in the room or rooms we are in. We do use our outside lights for security reasons when it gets dark outside and they are on a timer so they turn off just before the sun comes up. All of our lights inside and outside our home are LED’s.

I unplug my laptop when I am not using it. And it is not getting used a lot this summer. We are just too busy with company whom we are enjoying after over a year of socializing with no one.

We also took a trip to visit my son, go to my granddaughter’s junior high school graduation and spend some time with both of them. We loved every minute of it. My son purchased a beautiful colonial home a few months ago with lots of land. His home is nestled among many pine trees, maples, oaks, and birch trees. It is so peaceful and quiet there. I truly understand why he chose this home. We enjoyed some good cooking out on the grill and smores around the large firepit. We went to dinner one night at the Olde Bryan Inn in Saratoga Springs to celebrate Alexa’s graduation. We let her pick the restaurant. I was happy when she picked this restaurant because I went to lunch there many times over the years when we lived just south of this beautiful city. I miss their food. It is so good! We also did some takeout from a restaurant that my son found. There is nothing better than spending time with family and enjoying good meals! We hated to leave to go home. But we had promised to take care of West for 8 days after we got back. We had 4 days at home before he came. In just about a week my son is bringing Alexa out to spend a week with us. We are so looking forward to her coming.

Hubby and I are back to going to the library now that it is fully opened up. We rarely purchase a book or magazine.

We don’t go to the movies. We wait until we can watch them on our Roku. As one of my readers said, ” There is nothing better than movie night at home and making your own snacks! ” I wholeheartedly agree.

Lastly, there are two other things that we have done recently to save some money. We gave Alexa “Netflix” as a gift. We signed up for her and we pay the bill every month. I had gotten the premium plan. Then I realized that she could only watch one thing at a time so she didn’t need to have this plan that allows you to use it on multiple electronics in a household. So I changed her plan to one that is $4.00 a month cheaper.

Also, I am not renewing my Amazon Prime next week. I have not been happy with their delivery lately. Things that are supposed to take 2 days on Prime to arrive are taking 4-5. Not the service I signed up for. I understood items being late during the virus. But that has not been an issue here for a few months now and things are still coming later than they should. We rarely watch the movies or music either so it is really not worth the $ 119. plus 8% tax to renew it.

I also did not renew my B.J.’s Wholesale Club membership when it expired the end of March even though they would have only charged me $ 25. They are not stocked well, no real customer service anymore, and anything that I need I can get locally as cheap or cheaper than they charge.

I have Walmart Grocery Plus which gives me grocery delivery. I can also shop online at Walmart.com and they always deliver within two days and you get free shipping. Even better if you order an item on Walmart.com and they have it in your store, they deliver it to your front porch the same day with no delivery charge nor tip. It is also cheaper for a year than Amazon. So I will stick with them as long as the service continues to be so good. Almost anything that I can get at Amazon, I can get at Walmart or another store.

Well, that is it for now. When I have time and have something to share again I will.

Inflation has reared it’s ugly head in so many areas of our lives in the past months. Food is outrageously expensive along with gasoline, clothing, lumber, and many other items that we buy. Even purchasing a home has become much more expensive. It is a terrible time to do that right now. Even if you can get way over asking price on your current home, chances are you will pay way over the listing price on your new home.

Because Hubby and I are retired 20 years, we are on a fixed income. Yes, we have investments and savings but they are not something that we want to dip into for everyday expenses. We have other plans for that money.

So many people are hurting financially today because of job loss or the loss of their businesses. Many landlords are not getting paid the rent they are due for months now so they are having trouble meeting their mortgages on those properties. This is the worst time that I can remember in all of my years.

Since I have some time today ( it has been a very busy spring and summer with company here), I thought I would post and let you know how Hubby and I are trying to cope with inflation without digging deep into our savings. I thought perhaps it would give someone who needs it some ideas on how they could cope with it. Remember these ideas are what we are doing. Take what you like and just ignore what you don’t. We all save money in different ways.

First, I will tell you how we are saving on food. Pictured above is one of the three gallon bags of cherries that we picked from the tree in our yard. We picked as many as we could on a ladder and left the top of the tree for the birds to eat. Hubby made us the most delicious cherry crumble for dessert this past weekend. The rest of the cherries got frozen for future use.

Now I realize that not everyone has a fruit tree in their yard, But you can plant some tomatoes or other produce just like we did pictured above. If you don’t have ground space just put them in pots like we did. These 4 plants will give us many, many tomatoes for salads or BLT’s the end of July or beginning of August.

Our local strawberries are $ 5.50 a lb. here. I will not pay that price. A week or so ago, I was able to get 2 lbs. of strawberries shipped in from another state for $ 2.50 a lb. Other produce as it becomes in season will probably be high this year also because of shortages due to the droughts. I just won’t buy any if the price is outrageous. We have frozen and canned veggies and fruits here that we can rely on.

We have also made sure that we are eating proper portions especially our meat portions. No one needs more than 4 oz. of meat a day. When beef tenderloin or ground chuck is on sale, I buy in large quantities. I also have a buy price that I will not go over. That price is $5.00 a lb. for the ground meat and $11.00 a lb. for the tenderloin. A few weeks ago our tenderloin went up to $ 17.00 a lb. I am not buying at that price so we are not replenishing that meat as we eat it. I also will not pay over $2.00 a lb. for boneless chicken breasts. Aldi’s has them for $ 1.69 a lb. this week. That is a price that I would stock at. I refuse to pay more than $5.00 for bacon.

We are not wasting ANY food. All leftovers get used. If we have a bit of fruits or veggies left from meals, I either use them the next meal or freeze them for smoothies or homemade soups. We have French fries left from lunch yesterday. They will get reheated in the air fryer for another meal. We are rotating out what foods we already have so that they get eaten before they go bad.

We are baking our own bread using the bread maker. I can make it a lot cheaper than buying it. The only time I buy it is if I see a major reduced price at Walmart.

I am not using coupons whether they be paper or digital just to use the coupon. I write my list first and then look to see if I have a coupon. 90% of the time, I buy store brands.

We no longer buy junk food for snacks. We eat fruit, crackers and cheese, celery with peanut butter, carrot sticks with dip, SF pudding or jello, nuts, and popcorn made from kernels we put in our popcorn maker. I buy the popcorn in 50 lb. bags. Junk food is outrageously expensive per lb. and not very healthy.

Gasoline right now is $ 3.10 a gallon. I filled up yesterday at $ 2.80 a gallon using gasoline points that I earned for buying groceries. We drive as little as possible. When we do drive, we do many things at once on our route so as not to have to go out again. For example, yesterday I had a hair cut appointment. On my route home, I went to Aldi’s to get the sale chicken, to Dollar Tree to get tissues and shampoo, to Top’s to get strawberry shortcake cups that hubby was asking for, and filled up my gas tank. I try to only shop once a week and that happens 80% of the time. A tank of gasoline lasts us 4-6 weeks depending on how many appointments we have.

My sister in law invited us to their home on a lake in the Adirondacks. We went to their home last time. It is a very long and expensive trip. So instead we have invited them to come and stay with us. She is going to ask her husband and see when they can come.

Utility prices have also skyrocketed here. We are not only dealing with a rate increase but increases in supply and demand charges. We just got our electric and natural gas bill. We have been conserving like crazy. Even though we used 437 kwh’s this month instead of 544 kwh’s for the same time period last year, our bill was only $ 6. cheaper than last year’s. We also used 3.4 less ccf’s. It is a good thing we are conserving or our bill would have been much higher.

We have only had to use A/C for one week this year so far. Our house has stayed very comfortable in the low 70’s without it. As long as I pull the energy saving shades, curtains, and blinds on the windows when the sun is beating in, we will not have to use it. The week that we had to turn it on was humid and in the mid to high 80’s. We also have ceiling fans that help in the rooms that we are in.

95% of our cooking is done in the air fryer or outside on the propane grill. Many nights we have meals that do not require cooking anything like salads or sandwiches. Propane has gone up but not much here for 20 gallons. Our tank was full since we filled it last Fall.

I need to quit for now. I will be back tomorrow to continue this topic. If you are trying to save because of inflation, please feel free to comment and let us know what that is.

I found this recipe few days ago online. We normally eat meat or fish and veggies. But this looked really good. I just made sure that I used Primal Kitchen mayonaise.

Here is the link:

https://joyfilledeats.com/jalapeno-popper-chicken-casserole/

It is Keto friendly and so delicious. We both loved it but it does make a lot. We will be eating it all week. Hubby isn’t on Keto so he just puts it on eggnoodles.

Sorry that I forgot to take a picture before we ate.

Do you have an answer to that question? I don’t think any of us do. I know I don’t.

I watch my investments in the stock market every day and hope that the market doesn’t crash. But that could happen at any time.

What I do know is that all of the spending that the government is doing is not a good thing. In my estimation the Fed is just propping the economy up until the day it crashes.

Our money, which is just paper, is getting more and more worthless every day. It used to be backed by gold until they got rid of the gold standard in August of 1971. Now nothing is backing it. It is just becoming worthless paper.

In the past couple of decades they have been printing more and more money. The U.S. has so much debt that I think they can’t stop printing money or everything will collapse.

You know that debt is not a good thing. You know that if you keep adding to your debt and don’t pay it off every month that eventually you will be bankrupt. Well, that is what will eventually happen with with our government too.

Someone asked me this recently? “What would you do if you had a lot of mortgage debt, car loans, and credit card debt?”

That is a hard one for me because we have no debt at all. But if I did the first thing I would pay off would be the car loan and your home. The car can be repossessed and you may need it to get to work and make your income. If you don’t need it, I would pay off your home first.

You need a place to live and if you want to stay in your home, pay it off as quickly as possible. Thousands and thousands of people lost their homes during the Great Depression because they could not make their loan or mortgage payments. They ended up on the streets or moving in with family if that family could afford to feed them. You don’t want that to happen to you.

If you own your home and can afford to pay the property taxes, you have a place to live. If you don’t, the banks will foreclose and take it if you miss a few payments.

You are feeling the effects of prices going up. Prices on groceries and many other items are increasing and they will continue to increase as long as the government keeps printing money. And they don’t seem to want to stop. Instead they want to spend more and more money. When they do that, we have inflation and eventually hyperinflation.

So if you still have income coming in, I suggest you pay off your mortgage as quickly as possible. Did you ever wonder why the 2020 census asked you if you own your home? I know I did.

If you have an opinion about this topic, I would love to hear it.

I went to two grocery stores on Tuesday and combined them into my large monthly grocery haul. First I went to Top’s to pick up things that we needed that were on sale.

Hubby needed snacks so the popcorn and corn chips should last him for this month. The Italian bread was for hot meatball sandwiches that we have already eaten. He eats his brunch or lunch sandwiches on the seeded rolls. Bacon is a staple in our home so whenever I see it under $5.00 a lb. I grab it. I love mushrooms on burgers and steaks. The yogurt is my treat a couple of times a month. Eggs are always needed. I forgot to pick up romaine lettuce since I got side tracked talking with a friend. So when I stop for gasoline on the way to an appointment, I will pick it up. The last item was Angostora bitters which Hubby likes in his manhattans. I hated the price but they will last him for a year or more.

My second stop was at Niagara Produce.

We were getting low on ground beef. Aldi’s had the Never Any brand on sale this week for $ 4.99 a lb. The price has gone up. I decided to not buy it there for a couple of reasons. Hubby loves the ground chuck at Niagara Produce and it is still $ 4.75 a lb. So I decided going out on a Wednesday to get the Never Any brand wasn’t worth my time, gasoline, or money. I shopped this week on Tuesday because it was the once monthly Senior Discount day. I didn’t save much with that but every little bit helps.

I bought everything that the butcher had at the counter. But they were running out so I picked up a package from the meat case because it is the same price. The total was about 4.75 lbs. which I immediately packaged up into meal size portions when I got home using my food saver.

We love shrimp and have it at least twice a month. This 1 lb. package was only $ 7.99 and they are huge shrimp. This is the best price I have found in my area. Even when it is on sale at other stores, they don’t beat this price.

After taking inventory of our meat, Hubby was getting low on haddock. I had plenty of salmon which is what I like. So I purchased him two fresh skinless haddock on sale for $ 6.99 a lb. which is the cheapest price I have found anywhere. This will last more than a month.

I also purchased a bag of lemons and limes which I use on fish and in my water that I drink most of the day. The last item delighted me. I found canning jars. They are very hard to find around this area so when I see them I grab them. I use them for many things in my pantry. And yes, I do pay for them out of my food budget.

As you can see on my receipt, I let them know that I was overcharged for the eggs last week. They put it as a return on this receipt and then recharged me which credited me the $ .60 they owed me.

The total for Top’s was $ 31.46 and for Niagara Produce was $ 65.58 for a large haul total of $ 97.04. I will be picking up the romaine that should have been in that haul. I will let you know the price in a future post.

UPDATE: On the way to my appointment today I stopped and filled up my car’s gasoline tank. I was able to get $.20 off per gallon using Top’s points. That saved me $ 1.75. I also stopped at Aldi’s and picked up some romaine and a cucumber. They had the best price and it was on my route. They cost $3.58 so I spent a total of $ 100.62 this week.

Did you do a large haul this week or a small haul? Feel free to share with all of us in the comments.