Every Day

The Other Cash Budget

As you all know, I am using $75.00 cash per week for our grocery, HBA, and cleaning budget. Every week I put another $75.00 into that envelope.

But I am also using another cash budget and that is the budget that covers lunches out, our haircuts or my color, our home decor(little things like pillows, etc.), stamps, clothing, car washes, gasoline, etc. You know the things that you are always reaching into your wallet to pay for weekly. We have determined that we need $100. per week to fund that. So I have an envelope for that in my Dave Ramsay wallet also. The same day that I put the money in my grocery envelope I also fund this other envelope.

I have a hair appointment next week and I always overspend on my hair, so I am trying to cut back on this expense. I definitely need a haircut and perhaps roots done. But I am considering no more highlights since they are so expensive. I might even color my hair at home again. We’ll see how it all works out.

Hubby and I rarely eat lunch out especially now that we are on the Keto Diet. Home decor is not something that I buy on a regular basis but sometimes a pillow will wear out. We won’t be buying much clothing except as we go down sizes and those sizes will be cheap clothing just to hold us to our next downsize. I have no problem buying at second hand stores. 

Car washes only happen in the winter. Gasoline is about once a month unless we go on a trip.We use very few stamps a month unless it is Christmas card time.

So Hubby and I are thinking this money will be enough. If not we will up this budget. 

We will lose a few points by not putting all of these expenses on our credit card. However it is worth it to me to not have to check all of these little expenses on our bill. Only our fixed expenses will be put through the charge account.

These expenses will be tracked each month on the envelope. The extra envelopes in my wallet house my ECB’s and coupons for CVS, Rite Aid and Walgreen coupons so that I am always ready to stop at these stores when I happen to be in the area.

This wallet is always with me so I go out the door knowing that I am prepared. 

I am hoping to bring our spending down on some of these expenses. It is too easy to just pull out the card instead of paying cash. It makes it way too easy to spend more than you want. Even though we have always and still do pay our credit cards in full every month, I want to try it with cash and when the cash is gone each week it is gone until the envelopes get funded the next week.

I know that I have many people reading here who have credit card debt. If you do you should be paying cash for everything and not running your credit card bills any higher. That is how people get into major trouble. Pay down that debt by working out a monthly budget and sticking to it. Use cash for your groceries and everyday expenses and see how it works for you.

Every Day

Grocery Shopping and The Budget

Now let’s get back to being frugal with our money. As you all know we have been eating from our stockpile for months. The shelves and freezer are starting to show some room.

I menu plan but only from my stockpile. I shop to refill that stockpile with my $ 75.00 per week grocery budget.  Since I have a stockpile which allows me to buy at rock bottom prices, I save a whole lot of money. Not having to buy things when they are not on sale is what I aim for. But sometimes you just run out of things while you are on vacation. Hubby had a small list when I got back. 

I purchased the above at Aldi’s and Rite Aid. Here is my purchase:

Wraps  $1.69
Half and Half  $ 3.49
Tortilla Chips $ 1.49
Tomatoes $ 1.49
Mayo   $ 1.89
Garlic Powder  $ 1.19 

Total at Aldi’s was $ 11.24

I had to go to Rite Aid to pick up 3 prescriptions for Hubby. So I purchased the 2 Hershey’s bars that were $ .69 each and used a $1.00 L2C Q which made them just $ .19 each. I had a $1.00 from the old rewards program that carried over to the new one. So I used that to pay the $.38 for the candy and the other $ .62 came off the prescriptions which was a nice surprise. I hope that continues. So Rite Aid was nothing OOP for the grocery budget. I have a drawer in a spare room where I keep the candy stash. It is kept stocked for the occasional treat for the grandchildren or to build up for Halloween. Fortunately, Hubby and I are pretty good about staying out of it.

The wraps are for the occasional sandwich made with leftover roast, chicken or turkey breast. We use 1/2 and 1/2 in our coffee every day. Hubby said we were down to our last 1/4 carton. Hubby asked for tortilla chips since he loves salsa and those for lunch. I use tomatoes in my salad every day so even though they are expensive right now, they are a necessity for me.  Hubby loves Hellman’s mayo but it was not on sale anywhere this week. So I bought Burman’s which an Aldi employee told me a long time ago is Hellman’s mayo. Hubby can’t tell the difference between this and Hellman’s. Aldi’s is now stocking it right next to the Hellman’s in my store. Lastly, Hubby had used the last bit of garlic powder when he made Lemon Piccata for my welcome home dinner. It is always cheapest for me at Aldi’s. 

My last stop yesterday was at Top’s where I purchased:  

2 Smithfield Pork Loins on B1G1F – $ 10.99 for both

1 gallon of Milk -$ 1.59 with Top’s Q  – $.25 Ibotta rebate

1 Cucumber – $ .99

12 cans of Diced Tomatoes – $ 6.00 for all 12

3 Top’s Salsa – $ 1.34 each

1 Light and Fit Greek Yogurt w/Zero Art. Sweetener- $ 1.25 -Free after $ 1.25 Ibotta Rebate

1 Krusteaz Lemon Bars and 1 Cinnamon Swirl Coffee Cake – $2.50 each but Free after 2 Free Q’s from the company

1 bag of Spinach – $2.48

1 can of Campbells Yes Well soup – $ 1.99 – $ .75/1 Q = $.49 

1 Gia Russa Noodles -$2.00

Total OOP was $ 29.56. The $ 1.50 in Ibotta money will be rolled right back into my grocery money when I receive it. 

We love those pork loins so the price was too good to pass up. I am cooking one tonight that we will eat for a few days and I put one in the freezer.  We were totally out of milk and this was a good price. However in order to get that price you needed to spend $20. I used my 2 Free coupons to get me there. The lemon bars and coffee cake are handy for when company visits. The cucumbers were rotten at Aldi’s so I got one here for my salads. My stock of canned tomatoes needed some more. We use these alot. Hubby loves salsa and this was a great price. The Greek yogurt goes in my kale shakes to give them some sweetness. The spinach is for salads. I will add the soup to the basement stockpile. I love these soups.

I had planned on buying the Pennsylvania Dutch Noodles that were free after Top’s Click to Card Q. However, they were out and I needed this to make a dish for a neighbor who is sick. So I spent the $2.00.  

So after yesterday’s spending, I have $34.20 left in this week’s grocery budget. 

Hubby did not spend any of the grocery money last week so I decided to make a bulk purchase of Jordan’s SF Coffee Syrups that will last us about 6 months. So I spent $ 71.88 on that order yesterday. That leaves me $3.12 from that week’s budget(1/7/18) or a total of balance in my envelope wallet of $ 37.32 left to spend on groceries.

I am doing well on this $ 75. per week budget since we have a good stockpile and this helps me continue to add to it. I know that when all the money is gone, I have to wait to shop until the next week when I get $75. more in grocery money. A weekly budget is so much easier to handle.

I keep my money for groceries each week in this Dave Ramsay Envelope Wallet. I just started using this as you can tell because I already made mistakes  putting things in the wrong columns so I had to cross out and fix. My grocery money goes in the envelope and when it is gone, it is gone. 

There is an envelope at the back to keep your receipts.  

How are you doing with your grocery budget spending? Are you tracking it?

Every Day

Does She Ever Spend Any Money?

After all these years that I have blogged, you all pretty much know that we don’t normally spend a lot of money on anything but necessities. Sure we spend a fortune every month on cable, Netflix, and a home telephone which I could probably cancel if Hubby didn’t like sports so much. But he does so we keep it. But that is okay because it makes him happy. We eat out once in a while but not to the excess that a lot of people we know do. We don’t go to the movies and other expensive venues like casinos, etc. Have you ever wondered why we save so much money every month and don’t treat ourselves with those aforementioned things? 

Well, the answer is so very simple. We save our money for things that are important to us. We save to be able to treat our grandchildren and kids once in a while. But most importantly we save so that we can treat ourselves once in a while like this trip to Disney World for me. Hubby was invited but turned it down. He doesn’t like to travel. He missed out on a great time.

While he was home, I was in the parks every day except Saturday. That was because I started getting sick on Friday and spent the day in bed on Saturday so I missed the dessert party and fireworks at the castle. But my family went and loved it. Fortunately, I didn’t get sick at the beginning of the week. We arrived in Orlando about 8:30am on Sunday the 7th. After checking into the DVC resort at Boardwalk, we went for a walk on the Boardwalk where we stopped for a Quick breakfast at the Broadway Bakery. The snack on the plane didn’t kill our hunger. We were at the airport at 4am so hadn’t eaten. The bakery has such wonderful pastries, sticky buns and breakfast platters. We walked around for a while after and then went to the ESPN Club on the Boardwalk to get appetizers and beer and watch the Buffalo Bills vs. Jaguars football game. Even though our Bills didn’t win, it was fun to be there. The Club was filled with Buffalo Bills fans who had traveled down. Our plane was actually filled with fans. Most of whom flew down and rented a car to drive to Jacksonville. But there were plenty of us who ended up at the Club. It was a fun afternoon of beer and appetizers. Alas we had to leave early though because we had a reservation for dinner at Paddlefish at Disney Springs.

We did all of the parks using our hopper passes, some more than once. My favorite is Epcot where my son and I spent a morning and afternoon eating and drinking our way through the countries. Yes, I put on three pounds while we vacationed but I am right back on my Keto diet today.

We ate every lunch and dinner in the parks. We went to Ample Hills Creamery, Be Our Guest (for lunch), Earl of Sandwich(lunch), Ghirardelli Ice Cream Shop(dessert), Victoria and Alberts Dinner Queen Victoria Room, Hoop De Doo Musical Review at Wildnerness Park, Landscape of Flavors, Paddlefish at Disney Springs, Sci- Fi Dine in Theater Restaurant and Yak and Yeti’s for lunch one day. I know there were many more than I can’t think of right now. But it is expensive eating in the parks for lunch and dinner and sometimes breakfast(which I think we did twice).

I took my son and DIL out on separate evenings late night for drinks and appetizers at the ESPN Club and the Big River Grill & Brewing Company. The rest of the nights they went out late night to extra hours- 9PM to midnight for DVC members only at Magic Kingdom and I babysat.

However they treated me to a wonderful Christmas present. My gift was dinner in the Queen Victoria Room at Victoria and Alberts at the Grand Floridian. What a treat I was in for. There was a strict dress up code which we abided by. We had a 10 course dinner(menu pictured)  with wine pairings with each course. MY DIL and I both received a long stem red rose all prepared for travel just before we left. We all went home with a box of specially picked chocolates from the best in the world. They sent us home with our menu that also had our welcome by name engraved on the back. The dinner took 4 hours and we enjoyed and savored every minute of it. We had waiters and wine sommeliers for every course who explained everything we were eating and drinking. The Chef came out during the meal to see how we liked everything. The head of the restaurant did the same. The service was the best we have ever had. The food was like nothing I will ever see again. It was just superb. There are only 4 tables in the Queen Victoria Room and we got so much attention. There was a wonderful fire burning in the fireplace. The elegance in the room was wonderful. We felt like royalty for the evening.

If you decide to go there it is a very romantic place if you don’t have your Mom in tow. But the kids wanted to really treat me. But bring your bank roll with you because dinner and the wine pairings will run you $ 340. to $365. per person plus tax and gratuity.(They didn’t tell me;the information is out on the web.)  It was not a cheap evening for them between this and a 5 hour babysitter for their son who couldn’t go. No children allowed. Plus we took a car service door to door and back. It was a magical evening for me and I was very thankful to my children for this. It was a beautiful night that I will always remember. 

Since my son owns timeshares at Disney, I did not have to pay for a room. We had a 2 bedroom at Boardwalk. But I did have to pay for my airline tickets and 7 day hopper pass both of which were not cheap. If I remember correctly that came to about $900. I paid for my son’s car long term rental at the airport which was $65.25. Hubby was going to drive us but was unable to so it was the least I could do. I spent $ 175. for the scooter for the week. I spent another $1300. in cash for meals( I treated my family a few times), Florida newspapers for coupon inserts that were too good to pass up, a treat for my grandson for the plane, and a Mickey Mouse key chain because mine broke. The key chain was the only souvenir I bought. I did buy a birthday gift for my grandson since his birthday is this week. But that was it. I only had a carry on with me and it was so full that I could barely zip it so I couldn’t buy anything else.

But anyway as you can see I spent about $2500. for this trip and it was probably higher because I didn’t write down every dollar I spent. And that was without paying for a room. Disney is very expensive.

Anyhow we had a blast! It was cold and rainy a few days we were there but we didn’t let that bother us. We went to all the parks and even spent an afternoon in the pool and jacuzzi.

So now you see how and why I make beautiful memories with my family and that I am not frugal all of the time. I just prioritize how we spend our money and what we save it for.

I am happy to be back even though I have a bad cold or the flu. I will not let that stop me though since I have errands to run the next few days along with two appointments this week and lots of mail and laundry to catch up on. I will be posting now that the trip is over. 

I also have to order Hubby’s favorite zero calorie coffee syrup that he ran out of while I was away. Plus his boots fell apart while he was out snow blowing. I love my LL Bean boots so I will order him a men’s pair from there. I have a 25% off coupon code and a $10. GC. 

Every Day

Frugal Things We Have Done the Past Couple of Weeks

The holidays are never frugal as we all know. However we did our best to get a few frugal things done. 

– I did very little grocery shopping which has continued into this week. We are mainly eating from our stockpile of food.

– One night we were craving Chinese food. I was tempted to go get take out. But my Chinese food is healthier. So even though I was so tired that I could barely keep my eyes open, I made stir fry. I chunked up some boneless chicken that I had in the freezer. I added different colored pepper strips, pineapple chunks, sliced onions and water chestnuts. I finished it off with a Chinese stir fry sauce that I made from a packet. I ate it just like that. Hubby wanted his on rice. It was delicious and not only cheaper than take out but I didn’t have to brave the cold or use any gasoline.

– I made double the amount we wanted and froze a meal for a night when we are craving it again.

– I used one of these for the above meal so that it was easier to get in the bag and didn’t make a mess. I purchased these for less than $ 5.00 each. I bought four of them for freezer cooking. I will be doing a lot of that after my trip. I will cook one meal for dinner and freeze four meals for nights I am too tired to cook.

– I sewed a button back on a sweater and a button back on a nightgown. I seem to have them coming off lately.

– We had Christmas dinner a day late at my son’s home. I baked a homemade pumpkin bread and put a lot of homemade party mix in a Christmas container that I purchased last Christmas at 90% off so that they had breakfast the next day since they would be traveling. They also took the party mix to eat on the trip. 

– I needed no wrapping paper, cards or other Christmas things so I did not go after Christmas discount shopping. I kept my money in my wallet. 

– I have been using up all of our leftovers. If I make soup, I freeze it. I have made all of Hubby’s meals for while I am gone so that he only has to thaw and heat. 

– I went to the library and took out a book to read on my trip.

– I wanted to give a little gift to each of the babies that live next door to me but I didn’t want to spend a lot of money. So I wrapped a brand new book that I had in my gift closet for one of them. The other one I gave a garage sale book that I purchased for $1.00. The book looked like it had never been used. Both boys love being read to and looking at the pictures.

– I managed to get the snow out of the driveway, off the porch, and walk with just a little bit of help from Hubby. So for now, it is done and I didn’t have to hire a plow service. 

– I have been using the HE washer and hanging clothes inside to dry. But I have only been doing two loads a week. 

– I bought no new clothes for my trip. I am using what I have even for dressing up for our dinner at Victoria and Alberts at the Grand Floridian.

– Hubby and I have not gone out to dinner or gotten take out since Thanksgiving weekend. No entertainment money spent. 

– Our entertainment has been watching Netflix movies and playing board games. 

– Hubby had one of the soles come loose on his favorite pair of bang around shoes. He fixed it with Boot Fix Shoe Glue. It worked perfectly. 

– I got my first rebate in the mail for 2018. It was $3.00. It is being saved for one of our goals.

That is it for now. I need to start dinner so that I can call my sister at 6PM. We take turns calling each other every week using free long distance. I look forward to chatting with her tonight.

So what have you done frugally the past week or so?

Every Day

A Busy Day

It is so cold here that almost everyone in my neighborhood is hibernating. The temperature when I went out early this morning was  12 degrees. It is now 20. But it feels much colder than that with winds blowing 30-40 miles an hour. The blowing snow was a hazard when I was out driving. 

I had to go out to pick up Hubby’s medicine which cost  $ 3.68.  It had been sitting in the drugstore since last Friday when it was ordered. I was lucky to get out of my driveway because Hubby has been sick so the snow has been piling up since Thursday. So I drove a little over 7 miles to go to the drugstore and back. We had not used any gasoline yesterday.

I had planned on going to the market but after looking at the ads, I decided there was nothing that I really needed today.

So I came home and did some organizing after lunch. Lunch everyday is usually a salad with whatever veggies we have in the fridge at the moment. Today it was spring greens, onions and peppers with a little lite Italian dressing. 

I was tired of my coupons inserts, binder, and ads being either in the closet in the master bedroom suite (where they were stored) or on the kitchen counter where I would cut what I needed from the inserts. My computer is on my kitchen desk and I needed a place for them that I could quickly grab it all and make my grocery list and cut my coupons. So I emptied the two cupboards to the right of my desk. They have built in pull outs. That is where they are stored now. I can pull out what I need without even getting up from my chair.  In the basket, I have this week’s ads, my coupon inserts in a pile filed by date so that I can quickly find the one I need at the moment, and my coupon binder and envelopes that I put this week’s grocery coupons in. My planner with my menu and grocery list is always on the counter to the right of my computer. This will work beautifully for me. BTW, my inserts and coupons are all up to date. All the expired were tossed last Saturday.

I also keep my Entertainment Book and planner stickers in this pull out so they are handy for me. 

In the cupboard next to it in the pullout, I keep the scissors I need to cut coupons and other office related supplies that I use.  

While I was working in this area, I decided to clean out my desk drawer. So now everything is clean, neat and ready to be used efficiently. 

We have all of the energy efficient shades closed up tightly and the snakes on the bottom of the doors where they are needed. It has been very cold the last 10 days and is going to continue into next week. The weather service is saying that we will not get above 0 Thursday through Saturday. The next electric and gas bill will be horrendous but we have done all we can do. We have to stay warm.

Since I have everything I need for my trip, I doubt that I will go out again until I go to the airport this weekend for my Disney trip. I can’t wait to feel the warmth of the Florida sun on my face. So we will not be using much gas and most days will be spend free.

I pulled a package of ground chuck out of the freezer to thaw last night. Hubby and I will be having a tossed salad and a hamburger with cheese and carmelized onions for dinner. We rarely eat beef anymore but I was craving a hamburger and we have to use up what we have in the freezer.

Tonight Hubby and I will watch a movie on Netflix together. We just haven’t decided which one yet.

I hope you all are having a good and frugal day. Tomorrow I will be back with a frugal things post covering the last week or so. 

Every Day

Happy New Year and My Resolutions

Happy New Year to all of you. May your year be Blessed and Very Prosperous.

I am so excited for this New Year. It always makes me hopeful when the calendar changes years. I have a number of resolutions for the year and to hold myself accountable, I am listing them here:

– Spend as much time as possible doing things with Hubby that we both enjoy.

– Spend as much time as possible with our sons, DIL’s and grandchildren.

– Lose 30 pounds by continuing our Keto diet and exercise more. 

– Become so healthy that I can get off of most of my prescription pills. I was able to get off of five of them in 2017. I don’t know if it will be possible to get off of the rest but I am sure going to try my best. 

– Finally organize every inch of my home in the next three months without spending a fortune doing it. Most organizers will be purchased at the Dollar Tree. I have always been a pretty organized person but I have never organized every inch the way I really want it. That is my goal while making Hubby happy about it at the same time. 

– Make freezer cooking the normal around here instead of just a once in a while thing. I have grown very tired of cooking so this will help me in a big way. I will always know that I have a meal in the freezer that I can pull out and put in the crock pot or oven. It will also let us eat more meals at home instead of eating out.     

– Save more money than we ever have by being frugal in everything we do. Every day I will be doing whatever needs to be done to live the frugal life the way we want to. Everything I do will be carefully thought about and analyzed. 

– Use my 2018 planner to keep track of everything I do and Quicken for tracking all or our income and expenses.

– Spend less time on the computer, watching You Tube or Netflix and more time doing things that help our bottom line. I have already pretty much given up TV.

– We will be trying to cut all of our spending to less than we spent in each category last year. 

– Lastly, I plan on really enjoying my Disney World vacation that starts this coming weekend. I will have no electronics with me to blog with.  I want to savor every minute with my son, DIL, and grandson. It may be the last vacation that I take so I really want to enjoy it.

– Blogging about it all here.

Have you made any resolutions today that you plan on keeping?  Please comment and share with all of us. We would love to hear about them.

Every Day

Merry Christmas

I wish all of you a very Merry Christmas and a Prosperous New Year.

We will be taking the next week or so off to spend time with family and friends. Then I will be back in savings mode for about a week and then I am off to Disney World for a much needed break and vacation.

When I get back my topics for January will be mostly financial.  Hope to talk with you all then.

Every Day

It Isn’t Christmas Here Without………………

We all have our favorites that we make during the holidays. One that we have made for all of our married years is Chex Party Mix. I got my recipe from my mother in law and I have been making it ever since. I know everyone’s recipe is a little different. But here is mine:

1 Box of Wheat Chex
1 Box of Rice Chex
1 Box of Cheerios
1 Bag of Thin Pretzel sticks
3 lbs. of Mixed Nuts( no peanuts- Hubby doesn’t like them)

2 cups of Canola oil
2 Tbsp. Worcestershire Sauce
1 Tbsp. salt (optional)
1 1/2 Tbsp. Garlic Salt

Combine the cereals, nuts, and pretzel sticks in a large pot. Blend remaining ingredients well. Then pour them over the dry ingredients mixing well to ensure equal distribution. Cover and bake 1 hour at 250 degrees. Uncover and bake for 1 hour stirring every ten minutes. Let cool and enjoy!

Our tips: Hubby makes a double batch of sauce. He likes it better that way. He blends the sauce in our Vitamix so that it blends really well. It is not a cheap recipe with the nuts Hubby wants but I try to plan in advance and watch for them to go on sale. This makes so much that it probably costs no more in the long run than buying snacks.

Many Christmases I have given a tin of this to family, friends and neighbors. Everyone ends up with the recipe because they ask for it.  

The only things I have left to make this weekend are 
two loaves of pumpkin bread and a batch of English Toffee. Then I will be ready for Christmas.

What is your favorite for Christmas that you always make?  In the spirit of Christmas, would you share with us?     

Every Day

2018 Budget Continued

The last time I blogged about this topic, I informed you that we will be spending $75.00 per week for food and $100. per week for other incidentals. They were covered here: A New Budget for 2018.

We have been using the $ 75.00 per week food budget for quite a while now and it works well. I have stayed under budget all month. Matter of fact, I only spent $32. last week and I still have my $75.00 for this week. Are you wondering what happens to that money if I don’t spend it? For this month, whatever is left over will go into savings.

Starting the first week in January 2018, $75.00 will go into my cash envelope every week. Whatever is leftover each week will roll into the next week or weeks. It is nice to be able to build up the budget for the weeks that I see a great deal on meat or something else that we use all of the time. It can also be used for something special when company comes. 

The same will happen with the $100. per week in the incidental budget. It will get put in it’s own cash envelope.

I am using cash as a learning tool for all of you. I find that you really think more about what is a need or a want when you have to hand over hard earned cash. It is just too easy for a lot of people to put these things on a credit card each week and go over the budget. Then before they know it they have either gone into debt or added to the debt they already have. If you need to get rid of debt, cash is the way to go. If you can track what you are spending and pay that credit card off every month without fail, then go ahead and use the credit card. Otherwise use cash!

Next, we set our budget for eating out. The amount we settled on is $100. per month. We only plan on eating out once every couple of months. Cooking at home is the way we will go most of the time. We have a favorite restaurant that is very expensive. We prefer to eat there so $200. every other month will allow us to do that. That envelope will also build up with what we don’t spend. With the diet we follow we will not be eating any fast food. 

Gasoline is set at $50.00 per month. We don’t put a lot of mileage on our SUV except when we travel so this should be plenty. We will use our credit card for this because it is convenient. It is too darn cold here to have to run in to pay for gas. We will track this in Quicken.

I believe this is most of the flexible spending that we do. Most of our bills like cable, internet, telephone, insurances, utilities and property maintenance, etc. are pretty much set in stone. I have finally reconciled with the fact that Hubby wants his cable TV, internet and phone so that will be $188. per month. Yup that is what our bill is now. It just keeps going up with this new company, Spectrum. UGH! As much as it pains me, I have given in to the fact that Hubby loves his cable.

Our utility bill for natural gas and electric for the past year was $1724.39. I know it’s high but Hubby is always cold so we have to keep him warm. If we can lower it in other areas except for heat, we will continue to do those things efficiently.

To change the subject a minute, my washing machine is working perfectly again. Was it a fluke that perhaps a valve hung up? Maybe. Will it happen again? I hope not. But Hubby and I have money saved to pay cash for a washer and dryer when and if we need them. For when I do need one, I really appreciate all of you who gave me some ideas by telling me about your washing machines. Thank you. 

Our cellphone is handled by my son. We have already paid him one year in advance for all of 2018. We get one heck of a deal by doing this through him.

We own our home so have no house payment. But we do have hefty property and school taxes so we put that money aside each month in our tax savings account so that the money is there when we need it. 

Our medical and dental is expensive especially since we are older. It seems like we are always running to one doctor or another, the lab or the dentist. We keep the money in our savings account and track it with Quicken. Anything that we don’t use cash for is only tracked with Quicken. We do whatever we can health wise to keep these bills low. We have managed to become healthier and have gotten off of 4 different medications this past year. We are trying like crazy with this diet to get off another one. That is saving us a lot of money and making a healthier lifestyle for us.

So I hope you have your budgets ready for the New Year. If you don’t have a budget, make one. You don’t want to be one of those people who realize all of a sudden that you are spending thousands more per year than you are bringing in. If you are it is time to get out of that hole, pay off you debt, start saving and live a stress free life. The best to everyone for 2018.

I will be spending a lot of time the next two weeks clearing the clutter out of our basement for the New Year, planning what I need to take on my trip to Disney, and spending time with family. So I will be on here sporadically when I have something to share.

I wish all of you a very Merry Christmas and a Blessed New Year!

Every Day

Washing Machine Help!

I washed a load of wash last night and threw it in the dryer. When I transferred the wash, I saw no water in the tub. When we got up this morning there was two full buckets of water in the machine. Has this ever happened to any of you? Hubby things the valve for the water may not have turned off.

So I bailed the water out and washed a small load this morning. It is drying now. There again was no water in the tub when I took the wash out. I am keeping an eye on the washing machine every 1/2 hour or so to see if I get water in the tub again.

I bought these HE’s second hand from my son and DIL. I think they had them about 3 years when they lived in AZ. So I believe these machines are about 12 years old. They are due to have something go wrong or just die. We do have a wonderful local family to owns a repair service who I can call if need be. But depending on the price to fix, I may be in the market for a washing machine or set.

These large HE’s are huge in my small laundry room so I would be in the market for smaller ones. I think they have smaller energy efficient machines now. Does anyone have them? I would love to know what brand and/or model you have and how you like it.

Thanks for your help.