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Archive for August, 2017

Computer Update

August 13th, 2017 at 10:53 pm

Post from January:

MH ended up buying me a very small computer. He kept seeing sales in the $100 range. This is an incredible deal if you already have all the accessories. But I haven't had a desktop since I've been displaced by kids. So... $500 later. The motivation was not "minimalism" but I am LOVING it from that standpoint. The computer is about the size of the original roku? (Or how I recall the original roku to have been). It just hangs off the back of the monitor. & I told MH several times that I did not need speakers. He did not believe me, so he ended up getting me a monitor with built-in speakers. So it looks like I just have a monitor/keyboard/mouse. We got it set up in our bedroom, for now. Glad it is so compact, because I might want to move downstairs in the summer.

To be clear, we just put the computer in our bedroom. I just used MM's old desk.

In the end, I have surprisingly not needed to move downstairs. I recall that we *never* used the upstairs A/C until we had kids. Now I remember why. All the cool air (and heat in the winter) seems to float up our bedroom. So it's been okay.

I realized that I never showed any pictures of my tiny computer:

This is the computer, just hanging off the back of the monitor:



Back to School Spending

August 13th, 2017 at 03:45 pm

I think we have made it through the Back to School spending.

Drama Llama (7th Grade)
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$20 new clothing and lunch box
$20 art supplies (donation requested)
$15 lab fees (donation requested)
$15 music books
$120 lunch (Funded the max, for about 1/2 of the year)

Well, I am clearly getting off easy with this one. His PE clothes still fit from last year and should last through next year also.

He also has free use of a school instrument, for band, but we will probably re-evaluate at some point. For now, will give it some time to see if he sticks with it.


Monkey Monkey (9th Grade)
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$40 running shoes
$40 ASB sticker (covers PE clothes)
$90 graphing calculator
$120 lunch (Funded the max, for about 1/2 of the year)

I suppose there will probably be track uniforms. He isn't sure if he will stick with fall track, so will see.

I thought to check the shoes in stock at Kohls because I have been buying men's double wide shoes for myself (online). Anyway, we got him a really good pair of shoes. These are the kind of shoes I'd buy him anyway because he is very athletic. (He has WIDE feet like his mother, but these seem better stocked for men). We've never really found a good place to buy him shoes before. Kohls? Who knew!

We otherwise spent $35 on school supplies (to cover both kids). That's about $14 of MH's super frugal shopping (he got a lot) and $20 of that was a last minute run to Walgreens (after my last post). MM needed a combination lock, which I couldn't find anywhere else (in my sphere of fast/convenient). But Walgreens had much better folders and we also bought several of those.

MM hasn't bought much school lunch in recent years because he never liked the quality of the food at his location for the past couple of years. He did end up buying at the high school on Friday and said it was good and large portions. If the portion sizes are appropriate for him (a BIG eater) then the school lunch is a steal and will encourage him to buy a lot this year. In fact, I was funding their lunches thinking maybe 2-3 days per week buying, when I came up on the maximum I could fund. So anyway, I just did the max that I could. Will see how long that it lasts. You have to pay a fee every time you fund, so I had gotten in the habit of just doing twice per year. I think I have always prepaid ahead, regardless. Makes life more simple.

Being Thankful for Our Abundance

August 12th, 2017 at 02:44 pm

I came across this beautiful article today:

GIVE ME GRATITUDE OR GIVE ME DEBT

http://momastery.com/blog/2014/08/11/give-liberty-give-debt/

"Recently I posted a picture of myself in my kitchen, and I immediately started receiving generous messages from people wanting to help me “update” it. Along with their messages came pictures of how my kitchen could look, if I’d just put some effort and money into it."

"You guys. I have a REFRIGERATOR.

This thing MAGICALLY MAKES FOOD COLD. I’m pretty sure in the olden days, frontierswomen had to drink warm Diet Coke. Sweet Jesus. Thank you, precious kitchen.

Inside my refrigerator is FOOD. Healthy food that so many parents would give anything to be able to feed their children. Not me. When this food runs out, I’ll just jump in my car to get more. It’s ludicrous, really. It’s like my family hits the lottery every freaking morning."

"Sometimes it seems that our entire economy is based on distracting women from their blessings. Producers of STUFF NEED to find 10,000 ways to make women feel less than about our clothes, kitchens, selves so that we will keep buying more. So maybe freeing ourselves just a little from the Tyranny of Trend is a women’s issue – because we certainly aren’t going to get much world changing done if we spend all of our time and money on wardrobe and kitchen changing."


I will say that gratitude is an important ingredient to living debt-free. I am often bemused by the "sacrifice" people project on to our choices. We are so incredibly blessed, so the bemoaning of our very minor sacrifices always sounds so melodramatic to me. We will survive. Wink We've always been very blessed. We haven't always had the latest and greatest, but we've always had everything we needed and then some.

Back to School

August 9th, 2017 at 07:12 pm

My kids go back to school today. It's just random that they both start back on the same day.

MM(14) starts high school. He has a full load of AP and Honors classes, and is joining the track team.

This will be the first year that either of my kids attend a regular public school (they've only attended public charter schools), but this school looks to be a great fit for MM.

MM is still doing gymnastics. I am relieved he can keep that with his schedule. He probably would have chosen gymnastics over track, if he had to choose between the two. (Will see how he feels after track practice in the peak of the heat today. He will have about 3 hours to refuel before gymnastics. I do also expect it to cost $$$$$$$$$ to feed him with track practice every day).

DL(12) gets to start diving into art school a bit more. He will have 2 or 3 art periods this year. We still need to sort his schedule out and make some decisions. The year-round elective he got was vocal training. I expect that he will also be learning an instrument this year. & on top of that he gets a semester of visual arts and a semester of drama. The instruments is more extra class/extra time or will be utilizing their very low cost and convenient private after school lessons. That's the part we have to figure out. It may all be too much and he may do nothing, but that might free up his schedule to do the school musical. Regardless, he has MANY opportunities, and a lot more this year than he had last year.

Back to School Spending has been pretty light. The kids are both out of uniforms now but neither seems to need any clothes. I think MM will eventually but I don't think it's the worst to get used to non-uniform school first (before buying more clothes). I don't remember buying DL any clothes since he graduated out of uniforms over a year ago. I maybe spent $20 buying him a few shirts and some shorts, since he was outgrowing some. But mostly seems rich in hand-me-downs still.

This is the first year we have to buy school supplies for MM, but last year was the first year for DL and so we had some things on hand already. Our spending was very small on this front. MH also shopped around sales, like composition books for a quarter each.

I think the regular public high school is going to be more careful about asking for money (since it's not really allowed in our state). But, will see. I know DL's public charter school will "require" $20 here and there for more specialized art supplies and science lab fees. I don't mind that at all. I don't want to shop for specialized art supplies. But once that stuff starts to roll in I will tally it up. I will tally all of the above, but it's just not going to amount to much. (Well, as to school supplies and clothes. I will have some other bigger expenditures. Might even add a band instrument to the list).

July Savings

August 3rd, 2017 at 01:38 am

Received $50 bank interest for the month of July.

Snowflakes to Bills:

Redeemed $25 credit card rewards (cash back) from our grocery card.

Redeemed $53 cash back on Citi card.

Redeemed $3 cash back on Visa dining/fuel card.

Other snowflakes:
--$10 (sold old skateboard on Craigslist; MM got a new/bigger one for his birthday) ~ I set this money aside to pay for gymnastics (it's cash only)

Savings (From my paycheck):

**skipped $200 to investments**
+$ 300 to cash (mid-term savings)
+$ 900 to IRAs

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

+$1,300 to cash
- 500 Dentist/Medical/New Glasses(DL)

{Note: MH has no wages during summer months}.

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**Interest should bump up to $55 per month. I found a savings account that pays 3%. (This month was only a partial month, so a little less).

**I am always a month behind on savings withdrawals because anything I charged in June will be settle up in July. July was a birthday/Murphy month and also had a $600 insurance bill come due, so that will reflect in next monthly update.

Because it was so expensive this month (which reflects more in August), I decided to skip funding investments this month. It's not something I do lightly. But I seem to be doing this (skipping investments) about once per year. I don't mind cutting ourselves some slack since we generally err on the over-saving.

I redirected our snowflakes to cover bills. (I do usually invest snowflakes).

I've already paid all of the August bills (which were mostly July expenses).

I guess not much else to report. August and September will be spendy months. August will be paying off all this birthday/Murphy spending (which I've already done). September will be paying for August Europe trip.