Monkey Mama*s Monkey Money Blog

MOVIES:

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$100 Fandango

$  20 Regal

RESTAURANTS:

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$50 Cracker Barrel (small balance left)

$ 15 x 1 Jamba Juice

$ 10 x 1 Jamba Juice

RETAIL:

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$50 Target

REGIFT:

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Note: Edited over time to remove used gift cards. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

I had a couple of big gift card years at work, which was nice.  But this year they went in more of a gift direction.   My only haul was the Target gift card.  

I am not 100% sure if we got through these movie gift cards, so I will leave them in my post.  But I think we should be getting through them at this point.  

I was just thinking about it because MH did a Target order and didn't use the gift card.  I decided I better write it down so that I don't forget that we have this gift card sitting in our online account.  If it's not going to be obvious when I make a purchase, then I will likely forget about it.

I have a good idea where things will land this month.  

Pay cash for college ✔

$10K to Savings ❌

Final tally was $7,633. 

The plan was to use this money to pay cash for college.  At the end of 2024 we had roughly -$0- cash plus emergency funds.  So that's about how it sorted out.  That we had just enough to cash flow college.

We most definitely failed at this goal.  But I just copied the commentary from last year and it still held true.  So I am happy enough to squeak by (with what we need).  

(We did not fail enough to say no to anything that we said yes to.  As long as we had the cash, we were fine with falling short of our goal.)

$7,500 to Investments ❌

Final tally: $5,500

I am trying hard to make taxable investments more important.  But it's the second year in a row that we fell $2K short of our goal.  I probably could have made this a higher priority if I wasn't trying to manage income for a college grant.  On the plus side, this is the only tax year that we have to be careful about our income re: college grant money.

I will keep the $7,500 goal for next year.  Will keep trying.

$2,025 to mortgage ✔

I didn't have any cash available for this goal.  I ended up moving money over from DL(19)'s college rent fund.  I saw my blog title today and that sums it up pretty nicely.  Over prepared (re: college rent money we probably don't need), and now going with the flow.  

Mortgage goal is non-negotiable.  I will not have a mortgage for more than 30 years on this house (while healthy and well employed). 

9% Income to Work Retirement Plans ✔

MH and I both contribute the minimum for 401k match.  The 9% includes employer contributions.

$14,000 to IRAs 2024 ❌

We put $12,000 to 401Ks, instead.

We didn't make this goal but I am fine with it.  I had decided at some point that taxable investing needs to be a bigger priority.  & that I would let go of these arbitrary IRA max numbers.  The $14K max was too stressful. 

Then I wondered if we would put anything into our IRAs.  Most especially because my in-laws told us a week ago that they won't be doing big cash gifts any more.  We shouldn't need a big cash gift to make this goal.  But I am running through the math and it's maybe not realistic to fund college (x2) and also max out IRAs. 

In the end, I got a large work bonus.  I basically have to put to the entire bonus to my 401K.  So we got about 90% of the way there ($12K out of $14K extra to retirement). 

SUMMARY

MH and I were feeling like we need to rein things in a bit.  We were more loose with MH's income this year (after a lifetime of saving everything MH makes).  But we know we were a little too lax this year and were in 'rein it in' mode.  Then we got the in-law cash news which put us into further 'rein it in' mode.  Then I saw that our net worth was up $130K.  So...  Who cares if we spent more money this year.  Clearly we are doing just fine.  Then I got a bonus.  More of the same.  Then I realized I literally can't spend any of this bonus.  (I thought I could at least eke out a few hundred dollars.) 

I think we were mostly in 'relax and live a little' mode (going into 2025) until I remembered that our cash balance is literally $0 (in addition to emergency funds).  It's complicated because we have all this college cash and probably have more cash than we have ever had before.  I am not stressed about it.  But anyway, our personalities are screaming "CODE RED" at us about the cash situation.  We've been treading water since 2022 (big mortgage paydown) but I expected to make more forward progress this year.   Not stressed about it, but clearly something else has to give.

So yeah, I feel up, down, all over the place.  But that's just how everything is any more.  My bonus (an extra $5K) doesn't replace recent in-law cash gifts.  But it leaves me confident that we can keep aggressive savings goals.

I'd say that falling short of cash and investment goals was all about investing in MH's movie this year.  (It's almost done!)  & falling short of retirement goal was due to inflation, and unrealistic new IRA limits.  The increasing IRA limits are arbitrary and just aren't serving us.  I will probably set very similar goals in 2025.  Just because it would be the most efficient to max out IRAs and it's a good reminder if we have unexpected windfalls.  I am still going to set the goal. I swear that thinking it is always 90% of the battle.  Seriously, crazy crazy year and it all somehow worked out.  We will see how 'writing it down but not taking it too seriously' works out.  I think that's why it does work out well to even think it.  I don't know how I am going to come up with $14K IRA money (in 2025) re: income and college expenses.  But the goal will be a reminder if any unexpected money comes our way.  I can see the mechanics of why it works, as opposed to the alternative of not even trying.

Life has not gotten any better since my last life update.  This past week was particularly exhausting.  

I am not going to bore you with the details, but I am compiling a list of 2024 'crazy' that I will share at the end of the year.  The one thing that I do appreciate is at least there was some (big) good things thrown into the mix.  

Which I guess is what this post is about.  The good and the bad all rolled into one.  I am just seperating this out so that I don't have one long monster post.

FIL stopped driving, which is long overdue.  It's obviously a difficult thing.  But my in-laws wanted to make lemonade out of those lemons, and so they gave their older car to my kids. They wanted the car gone ASAP.  MH and I told them to give it a minute and that we could sort it out Thanksgiving week.  The car is a 2014 with 135K miles.

MM(21) picked up the car Thanksgiving week, on his way home from college.  I got all the paperwork signed Thanksgiving day and submitted the title transfer to the DMV this past Wednesday.  On Thursday the car died.  It's DEAD.

For a while Friday, I didn't know what in the heck.  We will take a gamble on repairing the car.  But one of the first things they threw out was helping us sell the car.  I am just, "But I don't even have the title!"  Even if we just decide to donate it, what a big hassle this whole thing is.  It's not why we are repairing the car, but I do think it works out nicely that we have a couple of weeks for the DMV red tape to sort out.  It's a no brainer to repair the car that was free to us.  But it is a gamble because the engine might not be salvageable.

Silver lining:  This would have been a much more expensive repair in our parents' high cost locale.  It could just work out for the best.  Fingers crossed.

It seemed obvious to give this car to DL(19), who has a college commute.  He was enjoying the smaller and more fuel efficient vehicle.  MM(21) will just drive his car home a handful of times per year; it will mostly sit in his garage.   So the other silver lining is that we didn't give this car to MM(21).  At least he's not stranded in the middle of nowhere, or we aren't dealing with this 300 miles away.  

Note:  The kids were sharing a car before.  

One more positive thing.  We have never had a catastrophic car repair.  It's eventually bound to happen, something like a transmission or engine rebuild or replacement.  We were lucky we made it this far. 

I knew the car was likely dead when DL(19) arrived home with an overheating car.  My first car (also a Toyota) suffered the same fate.  It was a 20yo car that I had gotten 7 years out of.  I don't count that as a 'catastrophic repair'.  I count that as the obvious end of its life.  Because of that past experience, I was able to prepare my household for this possibility.  It wasn't too shocking.

I guess we will be in car limbo for a couple of weeks and then will go from there.  Plan B is to just go back to the way it was.  We were doing just fine with 3 cars.

Edited to clarify:  They are attempting to repair the engine (thousands of dollars) but it's possible the car will need an engine replacement. 

I completed the kids' FASFAs on Friday.  I thought the beta version wasn't working because it didn't ask anything about our assets or the kids' assets.  What the heck!?  I quickly figured out that we don't have to report our assets because MM(19) was eligible for food stamps.  That's a completely random loophole that I wasn't expecting.  I had decided that this might eke out an extra $1K in grant money (for DL) next year but otherwise didn't expect much else to come from this development.  But I later thought about it and remembered that we are ineligible for one state grant because our assets are just a bit above the cutoff.  I now think that DL(19) might net an additional $3K - $4K re: lower-income grant.

Side note:  All of this is mostly moot.  I wasn't paying attention and we had been spending down some of these assets to pay for college.  Holy crap, our assets yesterday (when I completed the FASFA) were $425 over the limit to receive this other grant.  So basically this whole food stamp loophole thing is saving my bacon because I wasn't paying attention.  I could have paid down a credit card by $426 and been eligible for this grant anyway.  🙄  I feel very saved by the bell.  We've just not been that close to the limits before, so wasn't paying attention.  This whole thing just gets crazier.

I spent way too much time today looking up how this and that is calculated.  I just confirmed that they only count parent income and assets.  I think it's pretty much guaranteed that our assets will be even smaller next year.  (Barring some very unexpected windfall). But we will only be a 3-person household for DL(19)'s senior college year.  That's a lower income limit, for 3.  I will have to look at our income and spend some time pondering. 

If putting $10K to the 401K nets an extra $3K or $5K college grant for DL's senior year...  That is obviously a no brainer.  But feeling a little cash poor in the moment.  I probably would have to consider putting DL(19)'s college rent money into my 401K.   & I suppose I don't even know what the target is.  I will just have to guess what next year's numbers will be re: inflation.  For reference, our salary is pretty much right at the cutoff (for lower income grant).  With inflation in recent years, we are apparently on the cusp of being eligible for this lower income grant (re: both income and assets).  But I do usually get a bonus and we do have investment income (in addition to our salaries).  I probably need to just put my bonus to 401K and maybe my next paycheck.  That would bring us below the income ceiling for DL(19)'s senior year.  & then like I said, I expect we will also be below the asset ceiling.  After another 12 months of spending down assets on college expenses.  I mean, moving $10K from a taxable account to a 401K...  That will really take care of the asset side of things.  

Note:  Home equity and retirement funds are not counted as 'assets' on the FASFA. 

I thought this was just going to be a post about this food stamp loophole.  But I guess I also discovered I could secure a lower-income grant for DL(19)'s senior college year. 

Edited to add:  I went through the math today.  I forgot to deduct regular 401K contributions when thinking this through in my blog.  & MH took an unpaid month off of work this year.  So our income should easily come in below the income limit for this other grant.  Bonus excepted.  My bonus will likely all have to go into my 401K.  Between grant money earned and taxes saved, I will probably get 100% of that money back in some form or other.  Of course, I might lose other tax breaks and other grants, so it's just a lot of moving parts.  I can report back with the results in about 2 years.

MH was just trying out a new recipe app.  He liked it so much that he went ahead and ordered the windows version (more my speed).  All versions are half-off through the end of the month, FYI.

https://paprikaapp.com/

I was just testing out a few recipes I had saved on my computer.  It works by saving recipes from websites.  But I had an old family recipe saved and looked it up.  That was neat because I pretty quickly found a similar recipe (on google), but it was super easy to tweak it to the way we make it.  

In addition to that, there's menu planning, shopping lists, etc. 

MM(21) Year 4 'Gifted College Fund': $19,150 $19,000 (+$5K ROTH IRA ~ unknown current value)

Note:  I've added 1st quarter financial aid refund (expected any day now) back to this account balance.  I only pull tuition from this fund, which is expected to be $0 (net) this school year.

I expect that tuition will be $9,000 next year (no grants).  This means that MM(21) could probably leave college with $10,000 gift fund remaining.  In addition to that ROTH IRA (funded with gift money).  

The last piece is figuring out that 5th year of rent.  I've got rent covered (money just sitting in cash) through end of 2025.  I am probably about 6 months short.  

I like the idea of pulling $5,000 out of the college fund to cover those last 6 months of rent.  I also have 'college rent money' just sitting here for DL(19) that will probably go unused.  & we have other buckets of money.  But I think both MH and I are kind of over it after cash flowing rent expenses in earlier years when MM(21) was the only kid we had in college.  We are ready to cross off MM's college as 'done and paid for' and would like to move on to other things.  Even if the 'the other thing' is just paying for DL(19)'s college.  

If we pull $5K out of the 'gifted college fund' for those last 6 months of rent, MM(21) will still be able to graduate college with $5K gift funds left.  & he will still have that ROTH IRA. 

This was mostly what I was anticipating, but I thought it was possible that MM(21) would get $0 in grants this year (wiping out his college fund by the time he graduated).  So it's nice to have numbers in hand and figure out what the long term plan is.  

MM(21) can do whatever he wants with any remaining funds.  But I think the most obvious and practical use of that money is buying a car.  (Which he may end up doing before he is done with college.)

Edited to add:  The grant money has arrived in my bank account.  Yay!  It's really really real.

Second edit:  MM(21) registered for classes and it looks like there is an extra $120 lab fee this quarter.  This will bring his college fund balance down to $19K.  Technically, the difference between his net tuition and the college tax credit (that we will cash flow re: lower taxes), the difference is currently $188.  I will pull this $188 from his college fund, but he's earning interest and will end the month with $19K+.

DL(19) Year 2 'Gifted College Fund': $29,000

I suppose that I should also update where DL(19) is at.  Not touching any college funds while he is just living at home.

I am eyeing $5K of this money to fund a 2024 ROTH (same as his brother; during his first big income year).  & have been eyeing roughly $5K of this money as a car fund.  This helped me to sleep at night while he relied on a 20yo car to get to school (before he could find a decent job).  But also, it's sensible that a car is *the* big college expense in his situation.  His biggest college expense is his commute.  

It looks like I paid DL's spring tuition last November.  So I will probably have his sophomore year literally done and paid for, this month.  I will check it off (in my sidebar) when it is official.  Though it would probably be fair to just check off that I know this school year is well covered.  It's just a formality that I can't pay MM(21)'s spring tuition until March.

Two Fridays ago my mom ended up in the hospital (after going to the ER Thursday night).  I briefly considered carpooling with MH (who was taking the train to his SF lunch) but decided to try to get caught up at work.  & I got a really good night sleep on Thursday.  All of this was wise.

I ended up driving to the Bay Area and staying at the hospital Friday night.  I will probably never do this again.  My mom was put on valium by the time I arrived (had no idea I was there) and woke up out of her mind.  I told MH we will never speak about what happened at the hospital.  On some level, this easily could have been the most difficult day of my life.  But on another level, it's just normal any more.  After years of several terrible things happening at once and no time to process anything...  I am just used to it.  I snapped into 'one foot in front of the other' mode and was able to turn off my emotions and just get through it.  It's a mode I am sadly far too used to. 

Saturday was just insanity (including other dramas like a dead car fob battery.  It's the second time that has happened why out of town.  What are the odds?)  In the end, I felt more needed for this one night hospital stay than I did the last time my mom was in the hospital for weeks.  So I was glad this happened on a weekend and I was able to help.   

Of course, on top of all that...  My athlete Dad has (very suddenly) become crippled.  He can barely walk and he can barely stand up.  😞  

Even after all of that, my mom was released from the hospital Saturday and I was able to sleep in my own bed.  I was in disbelief that I would have time to process and share what was going on.  What magic is this?  But then multiple dramas happened on Sunday and I gave up.  

So this is my official 'I give up' post.  

I don't think we spent much since I last posted.  Most of the emergency spending was I did buy gas ($$$$) because MH had the EV when I left town.  That was unfortunate but I ended up driving so much (running several errands for my parents) I think it was for the best. 

My Dad broke my mom out of the hospital (the Saturday I was there) and she is doing very well.   As well as can be.

Yeah, I think this attempt at daily spending sharing was a good window into why I don't blog much any more.  This year has been insane, but it's sadly been one of the calmer years (of past 7 years).  It's been very 'one thing at a time' until both my parents were dealing with significant health struggles at once.  

My employee on her last attendance warning, she didn't show up for work this week.  She is the crux of the drama in my office this year.  (It's more complicated than that.  Not her specifically, but being the 8th or 9th employee in a row that is a personal disaster and constant no-show.  The rest of us are all exhausted after many years of this.)  We really and truly thought we were nipping this in the bud sooner (this time around) but it's been a very long and drawn out thing that created much drama and turnover this year.  *sigh*  I am in a complete 'I give up' mindset and I think the reset would be a good thing overall.  Just starting with a clean slate.  But if I have to seriously hire and train basically two new hires at once...  O.M.G.  I mean, if we end up letting her go today, I had a full month to at least hire and train my new assistant first?  But it is starting to feel a little too 'everything happening all at once.'  

I gave up on blogging October expenses, because life took a sharp turn into crazy town.  

Today I appreciated the extra hour, and got caught up on some things.  & Finally...  MM(21) received financial aid numbers and had some time to give those to me.  So I am no longer in limbo wondering if his middle class grant will be $0 this year (as originally expected).  

I've been waiting for this number, to update his 5-year tuition projection.

MM's expected net college costs:

$42,000 Tuition/fees** (4 Years)

+$11,000 5th Year Tuition/Fees 

-12,000  Tax credits 

-23,500  CA middle class grants 

-  7,500  Scholarships

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$10,000 Net cost  

**Includes $1K for one summer school class

I believe it now!  4th year grant was awarded.   Interestingly, MM only got the grant because he added a double major and a 5th year of college.  So this means the 5th year will mostly pay for itself.  We had no idea this would be the outcome or that he would get another $7,000 grant this year.  & then when we realized, I was skeptical.  Until it became more official.  

My degree cost $10,000.  I also took 5 years.  Of course, factoring inflation, MM(21) did much better than I did.  The college credits and middle class grants did not exist during my college years.  He will leave college with much higher pay, and so has greatly improved on the cost/benefit, compared to my own degree (which I thought was pretty darn good re: cost/benefit).

I'll do a seperate post about MM(21)'s college fund and how much I expect he will have left after college.

October 24

NSD

$0 Movies

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Not much to report today.  I worked a normal work schedule.  Ended up staying a little later than planned (left closer to 4:00).  Just last minute stuff coming up.  But I can't complain.  Planned to go to bed early because felt exhausted and everyone around me is sick.  But....  multiple last minute dramas came up that I will post about on the next post.  Still, I was able to go to bed at 9:30.  I woke up at 6:30 and am happy with that. 

Oh yeah, and MH went out to the movies.

October 23

$5  Fast Food Lunch

$115 Groceries

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I don't know how many days of groceries MH bought.  Probably just enough to get through the weekend.  I don't think he really wanted to do a big grocery run but he also didn't make it to the store last weekend. 

Note:  There's $75 left in our grocery/household budget for this month.  Sounds like there is a 0% chance we will stay below $800 this month, mostly due to all of my grocery runs.  It probably didn't help that MH threw some last minute meal planning at me (He is the grocery/meal frugal master.)  Oh yeah, and all the Target orders.  Typing that out makes me feel better about feeding MM(21) for one week next month (Thanksgiving break).

I stopped for a soda on the way to work today (later) and reasoned I should just get some hash browns to go with it.  But I guess the menu switches over at 10:30 (that's news to me).  Which is great because I much prefer the fries.  So I got some fries to supplement my lunch. 

MH picked up meat on sale.  I cooked some hamburger patties after MH made dinner.  It sounds more appealing (for lunch tomorrow) than chow mein 3 days in a row.  The real question is if DL(19) will eat it all after I go to bed.  One of the last times I cooked up a 1/2 pound of meat, he ate it all in one sandwich.  Well, I do think that chow mein 3 days in a row sounds more appealing than going to another store or restaurant. So there is that.  (I don't think DL particularly likes my chow mein, but we will find out.)

I spoke too soon about MH's schedule opening up.  He was invited very last minute to a lunch out with friends from the work place we met at (in 1995).  I thought this sounded crazy.  There's nowhere to park near this place, he has to take the day off work, etc.  Um, just say no!?  But I guess one of them is visiting from out-of-state.  Fair enough. 

October 22

$22  Dinner out (MH)

$100 Crowdfunding (MH)

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I think today was the last 'crazy' day for MH.  Which I very much appreciate.  I left work early, solely because I told MH that I could make dinner.  I expect I will have to work late tomorrow, in turn.  It just felt like the work was piling up faster than I could get through it.   Ugh.  I thought last week would be the worst of it, but maybe this week will be the hump. 

MH went out of town to meet up with a friend for dinner.  A film networking thing, more than just a social call.  It also looks like he contributed $100 to some crowdfunding.  He has some pay it forward feelings re: his own movie.  I just have been covering 'paying it forward' from his income.  

Well, the dinner charge just come through (after I typed that last sentence).  It probably doesn't have the tip on it but his Bay Area dinner was a whopping $18.  Geez, my sandwich was expensive yesterday.  It evens out I suppose.  I thought MH might treat or it might just be a more expensive restaurant (in mega high cost land).  This frugal dinner out gives me more room to be spendier.

I am just checking the calendar and I think MH's schedule is wide open for a while.  This should lower the 'hectic' level at home.  

Edited to add:  Tip was $4.

October 21

$44 College Books

$17 Lunch Out

$11 Postage

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I decided to just go to a deli for lunch.  It was over-priced and not any better than just bringing a sandwich from home.  I realized as I did the math of buying everything myself (most of which I already had) and having the teen boy at home to eat through everything.  I think this is a more useful splurge if you don't have kids at home.  It took me a while to find a place (like I've said, we don't eat out much) and I don't expect to go back.  My favorite (more reasonable) deli used to be in the same location. 

My plan was to get a larger sandwich and just spread out over two days.  I still think it was over-priced but that was the plan.  & I think I will have enough dinner leftovers for the rest of the week.

MH ran to the postal store on the corner and mailed MM(21)'s ballot to him.  

MM(21) texted me about some required textbook for his college class.  I don't know what to do with that.  It's very late in the quarter.  Because it was in the college portal, I just paid it.  (Otherwise, he pays for his own books and supplies, which hasn't amounted to much.)  I usually pay lab fees and so on (that's just added to tuition).  But then I also pull from his college fund.  This expense might just slip through and we might cover it.  Along the same lines, I realized as I went in to pay that I couldn't pay by credit card without a fee.  For the smaller charge, I just chose to pay the fee.  Generally something I would never do but it's a 2% cash back card and my fee ended up being about a quarter (considering the credit card reward will cover the first 2%).  

Work was a long and tiring day and I stayed until 5:30.  Ugh!  Just one of those days.  My internet didn't work and I spent a long time troubleshooting that.  I took apart and fixed the cat's water fountain in the evening.  (It felt very similar to taking apart my work phone and figuring out the power cord was dead.  I don't use the phone much - the internet runs through it - and I will get a new cord in a couple of days.)  Thankfully I know enough about computers that I just figured it out.  So I started the day and ended the day that way.  I am usually pretty energetic on Mondays and I thought I'd finish weekend chores, but I was exhausted.  On the plus side, I was very assertive about going to bed early.  & I got a really good night's sleep.  (It's relative and I usually do sleep well, but I need more like 9 hours to function well.)  I might just embrace the later schedule this week re: time change coming up.  

Edited to add:  Still hanging in there.  Thought I would abandon tracking this month because my mom ended up in the hospital.  But she's home now.  Fingers crossed.  I was out of town for about 28 hours.  Will see how Sunday goes...

October 20

NSD

$0 Movies

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I am trying to keep on top of things, I think just because it's been a crazy year.  & maybe also in Fall cleaning mode.  If August /September hadn't been so crazy, I would have been okay just chilling on the weekends during random super busy weeks.

Last weekend I didn't get through all my weekend chores but I think I pushed off a few things to the week and got them done.  Which is how this weekend is going.  I got a lot less rest this weekend but did manage a small nap both days.

The life balance is not terrible.  I would give up my October spending tracking (sharing here) if it was too much.  It is very time consuming to jot down a blog post every day.  I am kind of surprised I made it this far.  Will see what this week has in store.

Today I unclogged my sink and the kids' shower.   I did a lot of laundry.  Feeling more caught up re: new towels, new clothes, etc.  I washed a new blanket that I bought some weeks ago.  As I type this out...  I was unloading the cat food and I think I got distracted and just left half the cat food in the box.  I will go take care of that now.  (DL got home in the middle of that, and was very chatty.)  

{Yup, totally forgot what I was doing mid box-unpacking.} 

I am not going to return anything.  Apparently I just have to blog about my spending and I everything I order will magically fit well. I don't know yet if MH will keep the pants.

Edited to add:  Will return one pair of pants for MH.  He did like one of them and I will try to exchange the other.

MH has been working all weekend at his (unpaid) side job.  He had free press access to a convention and it wasn't all 'work'.  He seemed less star struck than the last one he went to.  (This is why he asked me to cook a couple of meals.)  Tonight MH is enjoying a 'free' movie on his unlimited pass.  I doubt I have encomassed all his free movies in my blog.  But when he leaves for a night movie he tells me.  He also often goes to the movies after work.  It's something like $20/month for his movie pass and he takes full advantage.  

DL(19) pretty much ate all the food (I expected some leftovers) and so I don't know what I am going to eat for lunch on Monday.  Right now I am undecided re: deli sandwich (from home) or a fast food run.  

October 19

$40 Groceries

$30 Donation

$15 Target

$10 Car Wash

$9 Movies

$9 Comedy Show

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MH had asked me to pick up a bell pepper at the grocery store, and to cook two meals.  I decided to make sloppy joes & potatoes for dinner tonight, and will make chow mein on Tuesday.  I picked up noodles, veggies, hamburger buns, and milk.  Milk was also a request from MH.  It's a new thing.  No one in my house really drinks milk, but now suddenly DL(19) is really into milk.  I think initially he was hoping to bulk up a bit.  (LOL.  I just can only laugh.  Good luck at that.  With these genes?)  So that's new and that is expensive.  His initial motivation was to add calories but now he just really likes drinking milk.

Oh yeah, and salmon was on sale for roughly half off.  That was unexpected.  I will probably make for lunch Sunday.  MH doesn't like fish, so that didn't really help re: the couple of meals he requested that I make for the family.  But DL(19) will love the fish treat.  

& I picked up strawberries because they were on sale.

MH told me he could push off a big grocery store run until mid-week, if I got him that pepper.  (He tossed a pepper this week because it had a bug in it.)

While out, I decided to get my car washed.  It seemed a little excessive when I decided to run it through, but there was some streaks of bird poop on my car.  In the end, the water seemed very dirty and maybe it was well needed.  I'd have to look up when my last car wash was.  Not particularly necessary in our non-snow climate.  We mostly just wash when we do a lot of out-of-town trips (when the cars get really dirty on longer drives) but I rarely drive the hybrid out of town.  

I did a donation (per sidebar goal) when I saw someone from my more distant past had passed away.  It was a 'donation in lieu of flowers' thing.

While out, I ran to Target for some drano.  They had the kind that cuts through hair, which is why our sinks clog.  All they had were smaller bottles but I bought a second one presuming the kids' bathroom would need it.

MH went out to a comedy show that was way past my bedtime.  11pm?  Apparently he also bought a movie or some movies.

& DL(19) got his paycheck.  It was $1,500 for a full month.  He is planning to buy a bike and a computer.  I put it on my calendar to help him open a high yield savings account (where he can park more than just $500) in November.  Right now he's about where he has peaked in the past ($3,000 cash).  

Edited to add:  DL ate all of the meat and potatoes.  When I asked MH if he had put the food away or if DL had just eaten it all, he told me he thought I put it away.  He also complained about not enough potatoes.  I told him he was preaching to the choir.  😁  But yeah, I was expecting some leftovers.  It's good I got the salmon for an extra meal.

October 18

NSD

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I didn't take the time to write anything down Friday.  So it seems like it was a blur.  I did work late with new employee.  

New employee showed up a whole 9 days in a row.  So that's something!  Everyone I hire is a personal and medical disaster.  It's hard to come by employees who actually show up.   Off the top of my head, this is employee #8?  After 7 disasters?  I wouldn't consider my last assistant quite on the same scale of disaster.  But...  She far surpassed her PTO this year re: several deaths in the family and a lot of sick days.  I suppose it's relative.  It just seemed a little more low key than everyone else.  I don't remember her being hospitalized.   & I realize that sounds insane as I type it out (that several deaths was 'low key').  But I am used to Level 11 crazy.

Our admin assistant who has been on attendance probation for...  10 months?  (We tried to get ahead of it because it never ends well.  We failed spectacularly.  Hindsight 20/20, should have given the final warning sooner and moved on.)  She had a good performance review this week.  As my employer and another manager dreamed bigger re: her recent more consistent attendance, I had to burst their bubble.  I said, "Guys, it's flu season.  Let's see how the next few months go."  Admin assistant called in sick the next day. 

Side note:  I have no doubt she was sick.  There's no question that any of this is real.  It's just a lot.  

Overall, I am impressed with new employee and feeling optimistic.  It's the first time we have hired someone more experienced for this position.  Which was a strategy re: lack of time to hire and train.  I already see that paying off.   

MH asked me to go to the grocery store and cook dinner a couple of nights.  I think next week will be a little easier.  No need to hold new employee's hand until 5 or 6pm.  But it will be a big week and I am covering for MH too.  Easier than last week, but still hectic.  It will be another big training week.

I just checked the credit cards because I don't remember anything about Friday (spending).  I suppose that's because it was a no spend day. 

October 17

$13 Groceries

$23 Dinner Out of Town (MH)

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Today was a little more relaxed than the last couple of days.

I thawed some meat in the morning and realized we didn't have any bread I like, or anything to go with hamburger meat.  (MH had told me my bread was "out" at the store).  I am glad I even noticed.  I picked up some soft breakfast food and bread at the store.

I got out of work early enough that I had the energy to cook, empty the dishwasher, and do a load of dishes.  MH will appreciate it because my spaghetti/meat dinner was a 4-pot affair.  (DL and I like different types of pasta.  & then I cooked up some leftover meat into hamburger patties.  That was pan #4.)  There's also still 9 containers of tupperware sitting out.  If I wanted to be really nice I would do another load of just tupperware.

MH is out of town at a movie premier re: a movie he worked on.  He drove and spent $23 on dinner.  This was all the spending I anticipated; nothing else popped up. 

October 15 & 16

$4 Walgreens

$1 Soda

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Crazy days...

Tuesday I went to two Walgreens, to buy some straws.  There's one Walgreens by my home and one by my work.  The one by my home doesn't seem to have what I am looking for, most the time any more.  No straws there.  I stopped by the other one and found one box of straws.  It was hard to find, but I found it.  I was going to buy two boxes, which would have been excessive.  I already had an extra box at work (I didn't realize).  So it worked out.

This is another ortho expense.  They shaved down my teeth.  Not sure if the straws help, but using in case it does keep the soda more away from my teeth while my teeth are re-calcifying or whatever it is teeth do. 

Note:  I very rarely go to the store.  So this month is just crazy.  I seem to just be running out of everything. 

Wednesday I went into work later and grabbed a fountain soda on the way in.

I don't know that I'd even have the time to write this down (it's past my bedtime and I have some things I want to get done outside of work).  But my work file won't back up and I am trying to get that backed up after the 1 hour of work I brought home turned into 4 hours.  It's done but I don't think I will be able to back it up.  I am ready to give up.

I got home so late Tuesday (MH was working late) that I didn't make dinner.  I did offer to make pancakes but DL(19) didn't want them.  Thursday may be the same, just scrounging for food in the fridge and cupboards.

I just checked the credit card and confirmed that MH is in 'too busy to spend money' mode.  

I sent MM(21) $800 for rent.  Not sure if that really counts because I don't have to figure this out from our budget.  I have an investment account I pull rent money out of.  MH and I both got paid today and there's just too much money in the account.  I don't usually pay MM(21) his rent this early but it's random that MH and I both got paid on the same day.  

Oh yeah, and we had rain today!  I woke up to a beautiful rainbow spanning across the sky.  The sky has put on some spectacular shows this week.   

Photo credit:  A neighbor

October 14

$6 Fast Food Lunch

$52 Target

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I didn't plan well.  Just noticed the cat food was getting low.  I should have added that to recent Target order.  So I did yet another Target order. 

For lunch I just wanted to get out of the office and have a treat.  

My shoes arrived and they actually fit.  Yay!

When I got home, I mentioned to MH that we should go for a walk.  We tend to walk most days when it is not too extreme hot/cold or when there isn't smoke.  It sounds like the smoke might move in this week, so will take what we can get.  

I hadn't even thought of it but once we got outside I told MH the comet was very visible around the same time the day before.  A little after sunset.  I can see why the comet was so bright from our neighborhood.  There is nothing to the west of us.  But unfortunately they put in a school (in recent years) with very bright lights.  We didn't see the comet at first, though venus was spectacular.  We walked a couple of blocks past the street lights and we thought we saw the comet.  So we walked down a dark bike path (not very far) and then got a better view.  

The moon was very bright and I wasn't really expecting to see anything.  The commet was amazing!  We will probably go out and try to see it again.  

Edited to add:  Tried again Friday (before the moon rise) but we could not see the comet.  It's fading quickly as it gets farther from the sun. 

October 13

$131 Groceries

$105 Kohls

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It's going to be a long week.  I expect I will be in the office for 5 days.  & the new employee likes to work a later schedule.  I gave up working past 5:00 (now that she's getting more settled) but 5:00 still seems crazy late.  I know I will be exhausted.  

MH has a very busy week re: second job (unpaid).  I presume I will be trying to make dinner some nights.  I am not going to be particularly organized or prepared.  I wouldn't be surprised if I ran to the store some mornings.  I will have to at least plan ahead that much if I don't want to go to the grocery store at 6pm.  

MH is going to the grocery store today.  I put black beans on the grocery list and figured I'd re-try that (black bean wraps).  It will give me food for the work week.  

I was going to make spaghetti today for lunch, but that was before we ate out.  I will eat my dinner leftovers (if DL doesn't beat me to it).  The spaghetti will be a quick/easy weeknight dinner.  None of this probably helps MH but I told him I'd make sure DL was fed. I could also just order a pizza (which is something else MH doesn't care for).   That's a good option for later in the week when I expect to be more tired.

I will tend to some chores today.  Mostly lots of laundry. 

I ended up doing a Kohl's order because the pants I buy were only $15.  I ordered a couple of pairs and was trying to add a couple of bath towels so that I could get free shipping.  (The towels I keep in the guest bath are falling apart, I noticed today.)  This doubled the amount of shipping, don't ask me how.  MH just happened to walk in at that moment.  I had forwarded him my Kohl's cash (some weeks ago) because he was going to buy some pants.  So when he walked in I told him I was spending the Kohl's cash.  We added some mens pants to the shopping cart.  I told him I would return them if they didn't work for him.  He'd rather buy in person.  But he really needed pants.  So it's possible this will make both our lives easier.  But I do also expect to return some of this order.  I buy the same pants over and over, but the sizing is usually a little bit off.  I figured odds are I will return one of the pants I ordered for myself.  

October 12

$73 Dinner Out

$700 Yard Cleanup

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When I was pregnant with DL(19), I hired a gardener that brought much peace to our life.  I just couldn't do it any more.  Two kids + a full-time job + exhaustion (not enough sleep), etc., etc.  Our gardener was amazing for the first 15 years or so (I feel very blessed about that) but really started dropping the ball after that.

We finally let him go and hired someone else.  The new guy has been a little flakey but the bar is very low at this point.  & I didn't read too much into it when he didn't show up last Saturday on 100F+ degree day.  I don't know if he would have communicated with us but MH followed up and he said he would come today.  Which seemed a very obvious thing, to wait a week when it would be 25 degrees cooler.  He did show up promptly today and it was a big job.  & has also shown up regularly to maintain the yard (where the bar had gotten very low).  The front yard needed work but was passable.  The back yard was looking like a jungle in some places.

Now that the yard is cleaned up, next on my list is to get the gutters cleaned.  There wasn't access on the side of the house where a tree was growing and a shrub was blocking access to the side of the house.  I had a tree guy cut the shrub back last year and we still had access to the side (and the water shut off) but wasn't sure a big guy with a ladder and a power washer could squeeze through there, or how much the 'tree' or whatever was blocking things.  It's all cleaned up now so I will schedule a gutter cleaning.  I just checked the last guy I hired was still working.  He charged pennies to clear 2 stories of gutters and power wash the entire house. 

MH told me early in the day maybe we should just go out to eat.  He thought I would want to for some reason?  I said, "No thanks."  It was a, "I thought that's what you would want" thing and I responded, "Why would I want that?"  I think the fridge is full but MH often guages better re: voracious teenager.  I pretty much slept all day and did nothing.  I just needed to recover from a long week. 

I woke up around 5:00 and just felt "ugh" about food.  I did have some shoes to return at the mall and thought if we did that I could get at least one productive thing done Saturday.  & we could find somewhere to eat in that area.  We had a leisurely dinner which ended up being more expensive because we ordered an appetizer and dessert.  

Edited to add:  My inclination was to get through our gift cards (that we seem to never use) but I couldn't find any.  Checked my blog and I guess we actually got through all of our restaurant gift cards?

October 11

$66  Shoes (Moi)

$10 Parking

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Not entirely sure if my spending will count today.  I just happened to receive a targeted ad for shoes that looked cute.  It was in a brand that carries wide sizes.  A Kohl's ad?  My big/wide feet are very hard to shop for.  I was annoyed they didn't even carry wide sizes of this shoe but I looked around and they were cheaper on Zappos.  I guess I have my credit card saved on that account, so it was a couple of clicks to order.  (I usually like the extra pain point of having to go dig out my credit card when I make an online purchase).  Anyway, there's probably a 90% chance I will return them.  In general, I'd say that more dressy type shoes are always too narrow and tight.  Which is why I don't think I have any.  Certainly nothing comfortable.

These shoes were a little dressy.  I have two years to find shoes to wear to my son's wedding.  & yes, I better start looking now.  If the shoes are cute at all (in person) and fit, I would be very happy with the targeted ad.  If not, I will just return them.

Today was a chaotic day.  I started out feeling more optimistic but everything I touched was a mess.  It was a frustrating work day.  When I opened up the fridge to grab dinner, a small plastic to-go container of salad dressing fell out and splattered everywhere.  That was DL(19)'s fault and he cleaned most of it up.  I told him that pretty much summed up my day.  I did end up doing a load of laundry because my clothes were splattered with dressing. (It looked 10x worse than it was.  Thankfully it cleaned up quickly.  Though I am not confident we found all of it.)

MH went to a film festival.  I would have gone if it wasn't so chaotic this week.  I recall falling asleep at this festival multiple times in the past.  & that's when it is not an exhausting week.  He got 63 free miles at a downtown car charger (which is a few miles from our home).  I presume he had to pay for parking but I didn't see that show up on any credit cards.  

Okay, so I asked MH about that.  The 63 free miles was just what he had left to top off the car.  (No out of town trips in recent weeks; his commute is only 3 miles each way).  They were doing 'event parking' for a flat rate of $10 cash up front.  Which he thought was BS because there was no event at the big arena (he had checked because then they charge $20 and he would have parked on the street in that case).  So he was annoyed but at least he got some fuel for that $10.

The downtown free charging (city parking garages) was supposed to go away some months ago.  But the wheels of bureaucracy move slow. 

October 9

$47  Groceries

$27  Haircut (MH)

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MH & I both went to the grocery store today.  I picked up some cheese and deli meat (as planned).  MH picked up some bread, milk, and other odds and ends. 

Temps dropped down by 10 degrees and I didn't even turn on the A/C upstairs on this day.  Woohoo!

Both MH and DL got haircuts this week (DL paid for his haircut).  MH was annoyed because he received a targeted ad online and went for the '$13' haircut.  When he went in they said that was for Nevada only and they wouldn't honor it.  I was surprised he didn't push it (he generally would) but he just complained to me about it.  I told him that I once went in stupidly with a coupon for another place (similar name) and they honored it (which seemed really unnecessary).  It evens out.

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October 10

$6  Lunch Out

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I was dreading today.  Had an ortho appointment in the morning and presumed they might remove the metal brackets from my teeth.  Which is no big deal but of course they had to put one on my one sensitive tooth.  That is the one I am dreading.  In the end, it was irritating because they did not take them off.  They gave me 90 more days of invisalign and I should be done at my next visit.  Woohoo!  But they don't know 100% and wanted to keep the rubberband brackets on 'just in case'.  It's a good indication not to get too excited about it.  But if all goes well, I will be done right on schedule (exactly 20 months).  

And...  The rest of the day was training new employee, who is an extreme extrovert.  No matter her personality, it just sounded exhausting.  I am happy to report that the day overall went very well and there was nothing to dread.  Felt very positive at the end of the day.

The ortho appointment caused much chaos.  I planned to just run home and pack lunch after the 9am appointment, and was planning for it to possibly run long (if they started scraping brackets off my teeth).  In the end it was a quick appointment and I quickly figured out a better logistical plan.  I usually switch the invisalign trays before bed so they don't bother me.  Starting a new tray at 9am meant I was going to want a softer lunch.  I decided to just grab a fast food burger.  Which would just take time out of my work day.  So I finally figured out if I just worked from home for an hour I could re-charge my car and knock out some work in peace.  Then I wouldn't have to take a break to drive into work *and* a break to go run for fast food.  I was able to just grab some lunch on my way in.  The day ended up working pretty well and it was nice to break up the day.

October 8

$9  Groceries

$41 Amazon

$81 Target (Groceries)

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I ran to the store and got some breakfast food for the week. 

One limitation I have right now is that I can only eat softer foods (re: invisalign).   So I am not eating the usual things or what we have around the house.

I did some laundry and thought that I could throw some laundry detergent on the Target cart and probably get up to that $35 minimum for shipping odd things.  I mentioned to MH and he told me he had already filled up the cart.  He added some Halloween candy, deoderant and a few groceries.  So I just submitted the order.  The laundry detergent wasn't urgent.  Then I thought about it and thought I had something else more in my cart than just soap.  I finally realized one of the items was no longer in the shopping cart (and so wasn't ordered).  I briefly pondered canceling the order and re-submitting.  But decided to just do a second order of laundry detergent.  MH told me my other item (lip balm) had been out of stock.  But it appeared to be in stock when I did the second order.  I won't hold my breath.  Will just consider it lucky if it actually is in stock and shows up.

I am thinking of running to the grocery store for some deli meat on Wednesday.  I think I will just literally make ahead a cheese sandwich and then grab some deli meat.  Trying to think of something easy to fill up my lunches while I am stuck at work more.  

I did also make some corn salsa for the work week.  I consider it more of a salad.  MH had bought ingredients for me around the 1st of the month but I forgot.  Just happened to notice a pepper and a lime in the fridge and that reminded me.  Got around to that Tuesday night (barely).  It's a newer recipe that I have been making a lot.  A Chipotle copy cat.  Never had the original but have been told this version is much better.  I will take that to work for the rest of the week.

I guess MH bought some electronic cables (for something or other) some days ago.  It didn't ship until later and so I am just seeing it now.  He also purchased a movie and a phone case for a new phone he bought last month.  

In good money news, DL(19) told us today that he probably didn't want to go to camp next summer.  He's had some time to think about it and be more realistic.  I'd like to keep the tradition, going to the woods every summer, but can go a much more frugal route.  & I think the kids will really enjoy it, when we figure out this new tradition.  I've got a long time to cancel my reservation.  Will give it some time to be sure.

October 6

$14  Movies

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MH & I went out to the movies.  The $14 was just for my ticket, I suppose.  I don't go to the movies much and usually MH racks up enough rewards to cover my handful of tickets.  

We got a free car charge at the movie theater.  It was mostly enough to cover the roundtrip fuel to the farther away theater, but we probably eked out a few extra free miles.  

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October 7

$1  Soda

**103F Degrees**

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I thought I was going to report a NSD.  Then I remembered that I grabbed a soda in the drive thru this morning.  I don't like/drink coffee and Dr. Pepper settles my stomach.  So if I feel a little "meh" or need an extra umph, soda is my drink of choice.

I expect there will be some extra eating out and soda the next few weeks, re: extra work and extra time in office.  I will have to abandon my work-from-home days for a while.  Which is just more energy (that I don't expect to have) to figure out food for work, etc.  Will see how it goes.  Of course, the flip side of that is we always spend less money (overall) when we are busier with work.  

As of right now, the forecast for Tuesday is 99F degrees.  🙄  Hoping for some normalcy after that.  

Oh yeah, and I spoke too soon about DL(19).  He ended up eating out with friends on both Sunday and Monday. 

October 5

$88 Groceries 

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I asked MH if he thought these groceries would last the whole week.  I was shocked when he said yes.  I mean, he expects to pick up a couple of things mid-week, but all meals have been planned for with this grocery run.  

I wouldn't be surprised if we had three $150 runs (the last 3 weeks of the month).  I threw some things in the Target cart but needed $35 minimum to ship.  MH didn't have anything to order at Target.  So that's just sitting there.  Off the top of my head, soap and something else I don't remember.  That might be another $35+ at some point.  I just throw most household purchases in the 'grocery' category.  If it's bought at the grocery store, I just call it groceries.  

MM(21) has his food stamps, and so I am re-jiggering the budget.  I have the grocery/household budget currently set to $800/month.  It's my best guess.  It's more of an annual average, but there is always some +/- during individual months.  This budget would be much higher in a month that MM(21) is home, but I don't know that he will move back home again.

What surprises me is how little DL(19) is eating out.  Will see if he loosens up a bit when he gets more paychecks.  I encouraged him some weeks ago to eat out more and around the same time he had lunch with a friend and had a very good experience.  He was saying it was very good socially, in addition to mixing things up a little more from his packed lunches.  & getting more (well needed) calories.  And then he packed his lunch every day after that (for school/work).  

Anyway, there is an expectation that the food budget should go down and DL(19) will shoulder a little more of his food costs.  & I mean just normal teenager stuff.  Not that I expect him to pay for his food, but I expected more 'normal teenage stuff'.  Admittedly, DL(19) is probably spending less than ever right now because he is so busy with school and work.  But I expected him to be eating some more convenience meals during his busy work week.

October 4

$4 Breakfast

$48 Dinner

$45 Movies

$1 Audible

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

It looked cloudy outside at some point and I wondered how on earth October + clouds = 100F+ degree weather.  I guess it was only 96F degrees.  Got some reprieve.  Still forecasting 3 more 100F+ days.  

I bought breakfast, as expected.

MH got a small COLA raise today.  I did some quick math and comes out to another $50/month during months he is working. 

We probably should have ate through the food piling up in our fridge.  It felt irresponsible and wasteful re: might have to throw some food away.  But we both had a "meh" day.  & we were very indecisive about it.  It's not even that we were feeling lazy and wanted to eat out.  It's that we both felt "meh" and had no idea what we wanted to do.  & we also had an extra $50 to spend, which might be why I suggested eating out.  MH worried there was no room in the fridge for leftovers if he cooked dinner.  We decided to task DL(19) to clear out the fridge (some) while we went out to dinner.  With the plan to eat through more of the fridge on Saturday.   

Our complicated feelings about eating out generally have nothing to do with money.  We keep thinking it sounds nice to have the money to eat more.  But then when we do we often don't enjoy it (prefer the home cooking) and then it's a thousand extra calories for the same stuff we'd just eat at home.  In the end, I am happy to report that we had a very good meal that would have been difficult to recreate at home.  We were happy with the splurge.

At dinner, MH told me he had signed up for some Audible deal, for just $1/month.  I think most of the time he just gets audio books from the library.  The $1 deal is for 3 months.

Oh yeah, and I noticed MH bought some movies.  I usually don't ask him about his movie purchases.  But since I am sharing, I asked and he told me that he bought some Hitchcock movies.  

October 3

$9 Groceries

$6 Fast Food

$0 Movies

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I didn't see where the weather landed today (101 or 102 probably), but the forecast just keeps adding more 100F+ days.  Last I saw, through Monday. 

Okay, so I guess it was 103F again, and that was an all-time October record.  Thank you Google.

Today it was sick spending.  I felt like crap and was feeling very particular about food.  So I grabbed some groceries in the morning (for breakfast) and got a fast food burger for lunch.  I had planned ahead black bean wraps for the week, but the thought of those makes me want to puke.  So I told DL(19) to please eat those.  I thought of that after he ate all the rest of the food I bought within a couple of hours of me getting home this morning.  So much for that. 

I will probably buy breakfast on the way to work tomorrow, unless I wake up feeling 100%.  

MH went to the movies after work.  He used his unlimited movie pass.

Oh yeah, and I taught DL(19) how to address an envelope today.  He did not have a clue.  His employer requested some paperwork.  Which is a whole thing because it's a state job and everything about this is weird and tedious.  Thankfully he was able to update his address online.  They had a typo in the street name, but the mail was still making its way here.  He's just never had any reason to mail anything before.  

October 2

NSD

**103F Degrees**

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MM(21) was really dragging his feet transferring money from his savings to his checking account.  But I saw today that he transferred $1,800 over.  Probably leaves him with $1,000-ish that he will insist can last him through the school year (after he pays for that engagement ring).  I need to check in with him about getting his rental deposit back.  I haven't seen that show up in his account yet.

I looked up MM's college town weather out of curiosity and it is just as hot.  Ugh!  His region largely doesn't have A/C.  He's always lived on upper levels without A/C, but school starts in late September and the region is not that hot (close to the coast).  He's having a rough week, I am sure.

MH went to a free advance movie screening.  I attempted to attend one with him some months ago.  Maybe the first time since 2020?  It's gone very far downhill.  They were just sticking to the smaller theaters which only leaves the first couple of rows.  Maybe 20? seats and you have to get there many hours early to snag that.  The rest is reserved for press.  But MH got his first press pass today!  Re: his producer "job" that does not pay.  He would be happily paid in press tickets.  So this was a nice treat.  I don't think it was anything particularly exciting, but he will always say yes if it means more press tickets in the future.

October 1

$   7  Patreon (MH)

$105 Groceries

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Ugh!  The other shoe dropped.  Had major work drama in May.  I think that some of my coworkers thought I was being overly dramatic but I knew my assistant would likely quit after that.  She gave her very short notice today.  (What is up with these very short notices??)  At least when awesome admin left (her spouse gave no notice; they moved out of state for his new job) at least she stayed on and worked as much as possible.  She's a people pleaser and probably helped smooth the transition more than she should have.  In this case, I was too shocked to really process that I will have to train someone from zero.  What a mess.  The way she told me, it just really threw me for a loop.  Though otherwise not completely surprised.

A very rare work break (in addition to plans to pass off a lot of my work to this employee) just became a big mountain to climb.  Which would be less of a big deal if it wasn't constant mountains. 

Blogging relaxes me, and is appreciated today.  But I am also now more skeptical about my badwith this month.  I realized today when I looked for an old "expenses tracking" post (to copy and paste) that I gave up the last October tracking I tried because MH's grandfather passed away.  I just gave up mid-month.  That doesn't make me feel too warm and fuzzy.

In other news, we put away the grocery credit card for the year.  We maxed out our rewards on that card.  

The weather is absurd.  102F degrees forecasted for tomorrow.  The plus side is that we are done with summer rates.  Instead of paying $0.35 per kWh during peak peak times (which we mostly try to avoid) we get to pay just $0.16 for non-summer peak hours.  Which will probably still equate to an absurd electric bill because we aren't usually running the A/C in October.  But it will be a little more reasonable and less sweltering in the house.  

I did buy some ice cream (Saturday?) when I saw the weather forecast.  I am going to go turn off my brain and eat some ice cream.

Note:  Labeling this as 'Daily Expense Challenge so that it's easy to find in the future, but I am not considering this a 'challenge' and don't have a goal to limit spending.  Just sharing more minutiae about where we are at these days.

I was thinking about detailing daily expenses in October.  It's always a good way to dive back into blogging.  I looked back and I guess it's a common month for my to share more expense details.  

Last week I would have said that where my head is at is that we are relaxing more financially and trying to find a new balance.  

Then I paid all the October bills.  *Sigh*  & was informed of another massive health insurance increase for 2025.  No idea how we survived 1000% health insurance increase early on during one-income years.  (Roundabout financing with our mortgage; is the obvious reason we still have a mortgage.)  But the plan this time around is to just hold on for another few years.  At least we will be dropping from 4-person coverage to 2-person coverage.  Just need to hang on in the meantime.

On the flip side of that coin, our net worth is up $100K for the year.  I find it hard to sweat the small stuff during recent stock market years.  It's 5 years in a row of $100K gains.  (Health insurance is not "small stuff" but pretty much everything else is small.)

I am also concerned about the long term future and the inevitable "what goes up must come down."  But like the health insurance, if we can just hang on for a couple of more years, our expenses should overall reduce drastically after that.  Re: kids grown, mortgage paid off, etc.  I think it's just so close that we can taste it.  & is a lot of our relaxing.  

Anyway, I can delve into my feelings and how all over the place they are, as I share daily tracking.  I do think it would be wise to rein things in a bit for October. 

I pay all the bills the first of every month.  I've got everything paid except the *big* credit card bill.  Waiting for my paycheck to hit today.  Then I will get that paid off.  (The rest of our paychecks during the month generally go to savings/investments.  My second paycheck and all of MH's paychecks.)  It's a rare 3-paycheck month for MH.  Rare, because of all the months he usually has off of work (re: seasonal job).  But we have some home maintenance planned this month, paid for in cash.  His extra paycheck will cover that.  (That bill is not paid yet because the work has not happened yet.)

I don't have any plans to spend money today.  I think MH is going grocery shopping.  

I don't know if I have the bandwith to track all month in my blog.  Will see how it goes.