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March Savings & Doings

April 6th, 2015 at 08:12 pm

Received $45 bank interest for the month of March.

Redeemed $50 credit card rewards (cash back) from our gas/grocery card. Deposited this snowflake into investments.

Redeemed $42 cash back on Citi card. Deposited this snowflake into investments.

Savings (From paycheck):

+$200 to investments
+$300 to cash**
+$900 to IRAs

**I did pull out $1,100 cash for Japan airfare.

Short-Term Savings (for non-monthly expenses within the year):

+$1,300 to cash
-$500 for life insurance

Short-term savings is robust right now (you might have noticed way more + than - in recent months) but that is mostly because we prepaid property taxes in December. Which leaves an extra $2,500 cash buffer or so since we've already saved up the next property tax installment (which isn't due until December).



**Life has been busy. Mostly work.

**I did finally sign up for that credit card reward. $200 cash back + free prime for one year. Should get the rewards soon.

**Mid-month I get my OT check for the year. I will also have to sort out overseas trip expenses with my dad. OT should be way more than expenses. So I am mostly just looking forward to sorting all that out. Then we can see where we are at financially and look ahead.

**The funny thing about "more money" is more choices and stress. That's the mode I am in right now. A lot of stuff is popping up on the horizon now that we have some extra money. I think it's just a matter of time -we need to think through and prioritize. But for the moment I am feeling very overwhelmed. Some of it I haven't talked over with dh yet and I know it will be better once we sit down and talk it all out. (Who knows - he may outright veto me. That would make it easy).

Our "year of splurge" is definitely over when it comes to the frivolous, but there is still a lot of less frivolous stuff to sort out. Home improvements and medical stuff.

With the extreme drought situation here we may have the opportunity to redo our front yard landscaping. (Both city and HOA approval, perhaps. Both have been very picky with the unnatural lush green lawns). We can do the back whenever but it's been more of a dream more than a priority. Talking about being able to do the front yard too and having some extra money is suddenly bumping that up to the top of our priorities. Maybe the theme for us this year is "conservation". I really want to dump the gas guzzler too.

(We've wanted a more appropriate yard, for our climate, for ages. It's just not something we really thought through before we bought our house. We didn't really know the local climate either. Since living here for a time, it's always bothered me what a water wasting city this is compared to our last city. & we met a few people who had more appropriate landscaping so kind of put it in the back of our heads that is what we really wanted. It was just I had never heard of the idea before, I guess. When we did start seeing other kinds of yards we had no money).

Anyway, I went for a walk in parents' way more water conservative (though less dry) city over the weekend and saw a lot of ripped out lawns. I am going to broach the subject with dh. At the least let's kill the backyard lawn. Why have we not done that yet??? That part is a frugal (free) step. The problem is that I perused the websites/portfolios of a few recommended landscapers. So now I am dreaming of a fancy hardscape kind of backyard. Big Grin I am sure everything I was drooling over was expensive.

Of course, maybe I should dream away. We are probably at a point where we could be rid of our gardeners. I'd love to keep them on but the most of what they do is mowing lawns. I don't know that they'd still help us with our meager yard work if we have no lawns. It is something to consider though. If we go REALLY low maintenance we would save $1,000 per year on help. Maybe this is sounding more sensible. Well, if I have to talk to dh about it and get some quotes. Our neighbors are kind of ritzy so I don't think I was looking at reasonable landscapers. (Neighborhood recommendations). It will be a little more work to seek out a deal. But, we won't know until we start getting quotes and doing more homework.

I think that is a lot of my being overwhelmed. I personally tend to estimate things high and plan for the worst. Which is good financially but maybe unnecessary stress at times. Right now I just have a lot of question marks.

5 Responses to “March Savings & Doings”

  1. Kiki Says:

    That is one of the things I want to do as well. I've been looking at websites and trying to figure out what to do with a large portion of this back yard that is on the north side. I'd like to keep the two small rose bushes but everything else go and make it much more in line with the sacramento weather and area. The south side I'd keep a small section of grass (10' by 10') right next to patio and everything else low maintenance and more natural. The bushes in the yard seem to need a lot of water and I am not interested in that, nor do I like them.

  2. VS_ozgirl Says:

    In Australia, drought can be a big problem at times. Where we are, not at the moment. But water-saving (aka drought-tolerant) gardens are very popular. As are water tanks and grey water from washing machines. We have both and it's great. We use the rain-water tanks to water the garden and have a pipe connected to the washing machine so that when the lawn looks dry we can use the washing machine water (grey water) to water the lawn. I highly recommend changing your garden to use less water, it's a good feeling.

  3. MonkeyMama Says:

    @Kiki - Tell me if you hire a good landscaper! Big Grin

  4. FrugalTexan75 Says:

    So you're thinking about xeriscaping your front and back yards? A lot of homes in New Mexico do that, also due to water restrictions. It seems to make a lot of sense to do, especially in more arid climates.

  5. MonkeyMama Says:

    Yes FT. We mostly have drought resistant landscaping but we want to do something with our lawns. Those are the water wasters. That said, I'd maybe rather replace with concrete than much else. Cacti and rocks sound good to me too. Will see what we come up with.

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