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Busy

January 22nd, 2008 at 01:23 pm

It's been a busy January. We have been in contact with the people for the cabin and it is now a sore subject. We are no longer building a cabin. When we got right down to the constructiion of the home it was just way too expensive. The kit was affordable but we had no idea of the expense of putting it together. The total would have come to 436,000.00 and that price was just for the shell. It did not iclude the kitchen , bathrooms or flooring on the main level of the home. I was just so surprised. I figured with housing the way it is today that we could have gotten a decent quote but no way! So the project is on hold until we reach a new plan for the property. We will probably go wtih a stick frame house.

As you can see my savings account went way down. That is b/c I purchased a bunch of stock on the down turn. It will be fun growing it again. Now that we are not building a home it frees us up quite a bit.

My health insurance company is going out of business after 14 years of being with the plan. I received a letter from them that I would have to start looking for a new insurance provider. As of December 31st I ahve not had insurance and have been busy scrambling around trying to find a decent contract that was similiar to what we had. I found one today and enrolled. I am hoping that we will be enrolled for the beginning of February. I went with the Oxford group which is good b/c my doctors are in the plan as well as my hospital.

Vacation and Wedding

September 7th, 2007 at 10:26 am

Vacation was great! Went to St. John and stayed at a very nice resort. The place was just beautiful and well maintained. Everything was very pricey. To try to save some money we ate only breakfast and dinner and skipped lunch. At dinner we only had water with our meals. We took a few excursions which cost big bucks but when it comes to scuba,snorkeling and fishing in the waters around the islands there is nothing like it. So it is a justified expense.

My stepdaughter's wedding on St. Thomas was okay. It was very hot and on the beach. She had about 50 people there. Mostly family and a few close friends of the bride and groom. Her gown was beautiful. And everyone behaved themselves(big potential for words and fists to be thrown). We gave her a very large cash gift. For which we have not heard a thank you from as of yet. I guess she thinks easy come easy go. Who knows? I'm just glad it is over!!!! Life returns back to normal.

Back at work and things are slow again. I hope it picks up next week when we are back on regular schedule.

What was I Thinking?

August 9th, 2007 at 01:03 pm

Dinner with DS was really great! We had a very nice time and it is so good to see him doing so well for himself. His apartment is very cute and he has it decorated so nicely. He has recently been collecting antiques. His newest purchase was an old victrola. It is such a beautiful piece of furniture. Other than his antiques he lives very frugally. Even the antiques he does buy he gets them from thrift stores or give aways and ebay.

I am so pissed at myself. Today I went to pay my bills on billpay gathered them all up and as I was paying them realized that one of the bills to the cc company was due yesterday. God, I can't stand those late fees...which by the way will be more than what I put on the CC. It just kills me. I should be more careful but for some reason I had it in my head that all the bills were due around the same time.
I thought I had a good system but I have to do better.

Purchased some shares today of AT&T,Kraft Foods and Pfizer. Put two books up on half.com.

Fell off the Frugal Wagon

July 19th, 2007 at 10:06 am

Frugal things I have been doing this week:
Went to the library,took out a few books on saving money b/c i have been very bad these past two months. So , I thought that I needed a refresher. Took out a cookbook Favorite recipes from around the world. Haven't had any dinners out this week. I also rented childrens books in Spanish. I am trying to refresh my high school spanish so that I can understand some of our clients a little better. Returned bottles. Rented from Red Box instead of big name place. I also self treated my dog for his dermatitis condition and avoided a big vet bill. And guess what it worked. My dog is doing so much better.

Today I have to go to Lord and Taylor and pay off the full balance on the card. My daughter and I needed new dresses to wear to my step daughter's wedding in August. Being that I have to pay off the entire balance so that I do not incur a finance charge there will be little left to save this week.

On another note, I received my 55.00 sign on bonus with Share
Builder today. That was a nice surprise. It's strange that they don't dispurse the money into already selected funds, instead they open a money market account and the money is placed there.

4th of July Plans

June 28th, 2007 at 02:10 pm

For the 4th of July hubby and I decided to go upstate again and try to speak to someone about the log cabin. This time we actually have an appointment on a Saturday afternoon. We will spend a few days up there and we also decided to take a quick trip to Montreal.

Montreal happens to be one of my favorite cities. The people are friendly and it is very clean and well cared for. Their public transportation system is excellent. My daughter also loves it there, she will be going in Sept. to see a concert and staying over night.

With regards to this trip, last night I was trying to find a good rate on a room. I didn't want to spend a lot of money since I really don't spend much time in the room(just to sleep). I tried Hotwire.com. It was kind of strange. This was my first time using this site. You select which grade of room you would be interested in and the price, without knowing the hotel name or it's exact location. They tell you the ammenties and its general location and that is all the information you get until you pay. After you pay they give you the name of the hotel, the address and then you are able to access the hotel's website directly. I was afraid to submit payment. I had my daughter telling me not to and my husband saying what the heck go ahead and try it out. After submitting payment, I found out that I was given the Omni hotel in downtown Montreal which is a 5 star hotel for 103.00/night plus tax. Wow I couldn't believe my good luck. Now I just have to wait and see the room. My daughter is still warning me. She said that they will be booking me in the broom closet. We will see. I will let you know how it worked out when I get back.

Today was pay day and I am happy to report that I was able to put most of it away into savings. Hubby and I picked our 2 DRIPS for the month.

Summer is moving along so fast...My tomatoe plants have sprouted tomatoes in the last two days(sooo cute). I sure hope they taste good.

Happy June 1st

June 1st, 2007 at 05:10 pm

Most of my projects are completed at this point. In September I will start the floors. The deck came out beautiful and I am very happy with it. Total cost including materials $1500.00. Not bad. It is a very large deck, it runs the width of our house.

I didn't save anything this week b/c I had to replace what I took out of savings for the deck. I didn't charge any of it.

The stock market is doing well this week and I just checked on my IRA and it is doing great.

I think that I am on target with most of my goals that I set in January. Now that today is June 1st and pretty much the half way mark. I think I will have accomplished most of what I set out to do by December. Hopefully the weight issue as well.

All in all it has been a very good and productive week.

Some Savings/Some Spending

May 6th, 2007 at 02:17 pm

Went food shopping yesterday and today. Saved 37.00 with in store savings and coupons. DD is finally getting the hang of making her own sandwiches and bringing them to school to save herself some money.

DD and I went out to dinner last night to an Argentinian rest. and then went to the movies. Total was 65.00 but we hadn't done that in a while and it was a lot of fun.

Yesterday, brought a lot of yard work. Planted some nice baskets and sanded and spray painted the lawn furniture. Filled in some wholes with some top soil that I purchased on sale. Sometimes my doggies are a real pain in the neck with their digging.

Tonight I plan on making some steaks that I purchased on sale yesterday, potatoe and salad.

Did a bunch of laundry today and a whole lot of ironing. Vacuumed and washed the floors. Time to relax now. Have to rest up for work tomorrow.

Today

April 25th, 2007 at 10:30 am

It has been a very busy two days. We are in the process of hiring two new people and working short handed. We did receive many applications but so many were not right for the job. Or they were asking too much money to start. I hope by Friday we find somebody that is easy to work with and reliable.

On the financial side of things, it seems to be going pretty well. Other than food shopping, there hasn't been any real money being spent. No new purchases other than the roof.

I bought a bunch of food yesterday to make ahead for the rest of the week. I have to get started on this afternoon. I have Salmon and about 5lbs of chopmeat that need to be divided and then cooked or put into the freezer.

I also have to get started on the backyard. The front yard looks great! The back needs alot of attention. Better sign off now so I can get to it!

An Exhausting Day

April 23rd, 2007 at 04:38 pm

Today was exhausting. Running around like a chicken without a head. I got up at 6 am to let the dogs out and then they wouldn't let me go back to sleep. I stayed up and did some ironing and wash. Cleaned up a bit did the dishes and then went to work. Work was very busy especially working short handed. On lunch I came home vaccumed the floors and put up another load of wash and paid bills online. Went back to work then had to run out to the bank. When I got back it was so busy it didn't stop until 6pm. Needless to say at that point I didn't even want to begin to think about dinner. I stopped by a pizzeria and picked up a couple of hot hero's for hubby and me. No sooner did we sit down and the roofer came over to discuss the estimate with us. We gave hime a deposit of $1170.00, so, that and the 12.00 for the hero's is what was shelled out today. The remaing balance will be paid with my tax refund. Now I get to relax or so I hope.

Necessary Maintenance

April 12th, 2007 at 06:53 am

I spent some money on myself. I decided that I didn't like the feeling or the look of letting myself go... another minute longer.
Dental appointment for cleaning and exam cost 117.00.
Manicure 7.00 with a 3.00 tip=10.00.
Hair color 60.00 at the salon.
Hair cut at the salon 65.00. Tips for haircut and color 25.00.
It may seem like a lot of money but I have to tell you that I feel and look 100% better than I did before I went to have all this maintenance done. I was going to call it pampering but at my age it really is a necessity, so therefore I will call it maintenance. I vowed to myself that I would not let myself go that long again between visits. The last time I had an overhaul like this was in October. I am going to commit to every three months from here on in. In between the three months I will color my hair myself and get my nails done every two to three weeks.

Regarding the dental visit, everything went very well. My teeth and gums are in pretty good shape. I just have to be very vigilant about the flossing. Big money saver there. No expensive procedures. Good thing. I don't have dental insurance.

At this point in my life, my goal is to keep myself healthy and looking good for as long as I can while trying to save for a comfortable retirement.

My Saturday

April 7th, 2007 at 04:45 pm

The new lay out is pretty cool. Much easier to read and nicely organized. The only thing that I would add is spell check.

I got the estimate for the new roof today. It is going to run about 12,000.00 and that is not including gutters. I don't know if that is a good price or not since I do not know the prices when it comes to construction and such. The work will be guaranteed for 30 years. I have another estimate on the way from the guy who came on Thursday. I'm wondering if he will be in the same ball park with his price. I am debating on taking out a short term loan for this, the floors and the deck. I think I will check out Capital One and see what their rates are like.

My DD came home from Cozumel and she is now a certified SCUBA diver. Yeah!

I spent most of today getting ready for tomorrow, as I am hosting Easter at my house. I ordered the food and got alot of decorations , sternos and tins from the dollar store. This is actually the first time I got a chance to sit and relax today. The puppy even got a bath today so that she smells nice tomorrow for the company.

The accountant called today and said that my taxes were finished and that he would be electronically filing them. He said that I would be receiving a return and that I could have it by direct deposit. I thought that was pretty cool and decided to do it that way.

After all the repairs my car is running like a champ. I just hope she keeps it up.

I hope all of you have a Happy Easter and a Joyful Passover.

Spend Fest

February 15th, 2007 at 08:42 am

Yesterday was a spend fest for me. I needed to update the condo upstate with a few new things. First, I went to Ikea and spent about 50.00. Next, I went to Walmart and bought two very nice mirrors, shower curtain, towels, bath mat etc. Total there was 200.00. Put this all on my CC. Which I intend to pay off in full, once the bill comes in. I took up two new hobbies, crocheting and beading, spent about 60.00 in supplies. My mom is teaching me how to crochet. Can't wait until I'm not so spastic with handling the hook and the wool at the same time.

Tomorrow is pay day and I'm hoping to be able to save most of it. This month has been a pretty tough month for me to save. I don't know why? Maybe it is b/c of the winter bla's? I hope to get back on track very soon.

Since it has been so cold here I have been cooking and baking up a storm. I don't like going out into the cold. Since I have been baking I've also been eating more than I usually do. I'm afraid to get on the scale tomorrow.Frown

New Battery

January 28th, 2007 at 03:40 pm

Well, as mentioned in my previous post, I thought that my car was fixed. A jump start a little water to the battery and good as new, right? Of course not! I was going to go to the movies this afternoon. I got in the car and it would not start. I called my brother and he came over and put a new battery in my car. Good as new! I never new they had a rating. The one that went bad I purchased two years ago( in my mind I thought that it was only this past summer). I purchased the same one today,so in about two years I will go through the same scenario. I'm glad that my brother is mechanically handy like he is and was able to help me out.

Ebay and Some Other Things

January 25th, 2007 at 02:14 pm

Today was pay day. I was able to save some of it, not all. I figure some is better than none. Went to lunch today with DD and Hubby. It was very, very good. Next stop was the new Walmart that openned on Monday. Spent $60.00 there. Not on things that I needed either. I get so overwhelmed by the low prices that I think that everything is a good deal so I don't think twice about putting it in the basket. Then after the register is finished ringing everything up, I get in the car and think what did I buy that cost so much? Oh well, I know that the things I bought today will be put to good use. It's just that I really didn't need any of it.

I have a few items up on E-bay that are ending in a few hours. No bidders as of yet. I hope that I at least sell something. Even if I don't it won't be to bad b/c I had posted the auctions last Thursday when they were running a sale so it only cost 0.20 to post.
Hubby is posting his auctions for the week as I write. He seems to do pretty well with his auctions but he also has been doing it for quite a while and has learned a few things along the way.