Mr. Money Mustache had a post about the amazing health benefits of walking.

I've got other stuff to blog about, but holy cow was this post timely.

So, we will never win any awards for walking, as the neighborhood we live in initially had a -0- walkability score. So, I hardly doubt we deserve any pat on the back for our walking skills. But I have griped on here before (particularly when kids were little) how I saw little use for strollers. How it bothered us how low expectations parents have for their kids to walk on their own two feet. & now I am pondering how that translates into lifelong habits.

This particularly came up this week because dh was watching other children. We live about 3 blocks from the school (though BM has been moved to another campus with the older kids - they outgrew the first location). Even after driving to pick up BM, dh just walks to pick up LM. It is the path of least resistance. The traffic is totally crazy. & by the time you find a place to walk and park, you might as well just go home and walk. So, the other day LM had arranged a play date and dh picks up this kid. He said, "OMG this kid walked SO SLOW." For reference, this kid is 8. So, anyway, they are just walking home and no rush, so whatever. But, he had to walk him back to school to meet up with the kids' mom. So, this kid is driving dh nuts because he is so slow and whiny about the whole thing.

So, it is what it is. Don't offer to walk him back to school - mom can pick him up next time. Except, he had agreed to babysit some other kids the other night. But when he picked up BM from school (& Was in a rush to get LM picked up immediately after) they had begged dh to just take them home with him for a playdate. Which was no biggie, but by the time he gets all their crap from the mom and everything and they arrange things, he is running really late to pick up LM. Plus, he has no room in his car for a fourth child. So, they drive home and walk to school. He's got a kindergardener with him now. & the kid is about as whiny and slow as the 8yo. & he asked dh to carry him. !!

So, dh has just had enough with these kids. I could maybe kind of sort of cut the Kinder some slack (he is 5), just based on our culture. BUT, then again, the 8yo is whiny and slow because no one made him walk anywhere when he was 5.

In the end, dh made them all walk on their own two feet, and they all survived.

The funny thing is when I came home, totally clueless, I had asked the kids if they wanted to go to the park. Good thing they said no, because it was a bit of a walk. LOL. I could just see their reaction if we started walking to the park - dh should have warned me!!

But again, this is our observations as suburbanites who probably walk infinitely less than we should. Mr. Money Mustaches posts often about how absurd and illogical our car habits are. This just kind of falls into that realm.

I also have one more observation on car culture. We are the weird/unique ones in our neighborhood who walk whenever it's 3 blocks or less. There are reasons people regularly drive one to three blocks (to neighbor's home, to park, to pool). One reason is time. They feel really pressed for time. But the less obvious reason is "crap." There is a really strong correlation between how big your car is, how much you use it, and how much crap you must carry with you everywhere you go. Of course, my first child was born in 2003. It was the height of SUV/monstrosity travel system stroller culture. We just never quite *got it.* We did fine with our small vehicle because we never bought into the crap. {I've actually been noticing that both cars and baby gear are slimming down in recent years. Thank Goodness! Not everyone has to go small, but some of us would like the *choice*}. So I really noticed this when it came to baby crap. Of course, planning to cut our income in half at the time, we were thinking through to what we really needed and what we could live without. Obviously we could live without SUVs. & then what followed was needing baby gear that was small and compact, so that became our focus. As well as simply doing without a lot of unnecessary crap. (& even if we had a large car, we still had a preference for more light and compact stuff - I don't think that would change things for us).

But anyway, I think my neighbor is the epitome of all this. I totally lover her, but she can not walk anywhere. She regularly drives the 1/8 mile or so to our house. The 3 blocks to the park or the pool. Why? Because you can't go to the park without 5 wheeled toys for 2 children. You load up the car. You can't go to the pool without a feast and a pile of toys. Load up the car. & so I think there is a strong correlation between walking and *stuff*. We regularly walk to the park and the pool, and I have no idea why we would need to bring anything we can't carry. It is just so much SIMPLER.

So there you go: The Auto Crap Trap

Crazy busy with work these days. I think I am over the hump, but feeling pretty "blah." I decided it's probably understandable since we put our cat down and I haven't had a lot of time or energy to process that. My mom has also been having health problems. So, I don't think life will magically be all happy after April 15th, but maybe I can start putting myself first again (better eating, sleeping and exercise habits). I have been letting those things slide, quite unusual for me even during tax season. So, I learned that it doesn't work and to put myself FIRST. Because everything else seems to follow from there.

It will be busy for a while, but am looking forward to a 3-day weekend in mid-May.

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So, I have a million things I could blog about, but will leave it to a couple of good links.

My Money Blog paid off his mortgage. (Which as I recall, was a crazy gigantic mortgage** - $500k+ range - somewhere in California). I will share the link because the reasoning was interesting. He had been planning to be a stay-home dad, but since baby was born, they have abandoned that plan. His wife wants to be home more, he is not as interested, and so they are doing the both-part-time thing for now. I think this is so important because most parents won't really know what they want to do until child is born. I have often said if I had to do it all over we would have done the both-part-time thing. Some parents are cut out for being home full-time with 10 kids, and some are CEO work-out-of-home types, but I think the vast majority of us fall somewhere in the middle. & I think it's hard to even know what *type* you are until you actually have a baby. You won't know until you have *your* baby. & even once you have your first child, your next child may be an entirely different experience. I would say working was never *any* big deal with my eldest (I went back after 8 weeks), but was more difficult when my younger was aged 0-3. So I was thinking seriously of cutting back for a time, but now all that is so moot any more. Both kids are in school now (age 8/10) and are becoming infinitely more independent by the day. It's amazing how much circumstances change so rapidly with kids. The more you plan for various scenarios the happier you are going to be as a parent, so I think this was very much worth sharing: Surprise surprise, another new parent falls to Plan B. (I think this happens more often than not, but I don't think most people are nearly as prepared for these scenarios).

**As to the "crazy gigantic mortgage" comment - I don't think it's that big of a deal since he is quite young and mortgage-free. But, just to point out that this was no small feat, to pay off a very large sum on the extremely young side.

So, congrats to MyMoneyBlog for being debt-free!!

http://www.mymoneyblog.com/paid-off-mortgage.html

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Mr. Money Mustache also had an awesome potentially life-changing post. I really think this is the *key* to happiness:

A Peak Life is Lived Off-Peak

http://www.mrmoneymustache.com/2013/04/07/a-peak-life-is-liv...

Basically, if you want to be happy, don't waste a lot of time in line and sitting in traffic. It's easier to find happiness when you aren't following the herd.

I can think of many examples big to small, and is a common theme in my own blog.

What is leaves me pondering is how much of this is just in my very nature? No doubt that we understand this on a very HUGE scale having made our low-cost-of-living move. We wanted to make life 10 times more simpler? We picked up and moved to a "far less desirable" region. Which has always been funny to us, because it feels virtually identical to where we have moved from. Except without all the downsides of extreme over-crowding. !! So you could argue that maybe it's just easier for us to see the benefit of living more off-peak. It's hard to ignore when you change your life so dramatically with such a small move. BUT, I think there is more to it than that. What came first, the chicken or the egg. Why are we the only ones in a large group of very intelligent friends and family who said, "Screw this, I am out of here!" You really have to delude yourself to believe that you live in the only place in the universe worth living, the only place you can be happy, and that it's worth paying $700,000 for that 2-bedroom starter home. Dh and I just never quite *got it* and that was with an emotional attachment to the only city we had ever called home. But we had enough common sense to realize life could be better elsewhere. Or at least just as good. But it turned out way better, which was maybe the surprising part to us.

So, I think we probably have off-peak tendencies anyway. It might just be our natural inclination to seek out the "different."

Side note: I also think this is why I don't see "traditional 9-5 work" and "happiness" as mutually exclusive. My job allows plenty of "off-peak" living opportunities. & so I will disagree a bit with the Money Mustache about how limiting the 9-5 job is. It is limiting, no doubt, but jobs come in all shapes and sizes. I have always had a very short/easy commute and a flexible job with plenty of off-peak time to enjoy. These are important to me in a job, and I seek out these jobs very specifically due to my personal preferences. But this maybe explains why I come across so much, "It's impossible to work 9-5 and be happy!" & why I have absolutely never understood that on any level. It's because we are living a largely off-peak life, regardless of my employment. It is interesting food for thought, and I think it's important because some of us enjoy working and more of us *have to* work. So the more we figure out how to balance work and life, the more of us will truly be happy.

**Got paid, so paid the mortgage and property taxes. Added $25 to the mortgage (credit card rewards).

With the "big picture" and home prices rising, will probably shift from less mortgage snowballing to more mortgage snowflaking. Snowflaking I am very fine with (and can accomplish a lot over time). But we've only been extra fierce the last couple of years because we were hanging tight to our 20% equity. Now that we have an "easy 50% equity," just not feeling the motivation. Have other more important financial goals. Like maybe actually starting to save for college. Probably a catchall mortgage/college/freedom fund. I like the idea of just doing 50/50 to mortgage/investing, but I think with so many upward pressures on expenses and downward pressures on income for the foreseeable future that we will instead to "lots of saving and investing" and throw some of the entirely unexpected at the mortgage.

**Redeemed $50 credit card rewards to my ROTH - will have another $50 on May 1st.

**Dh is in the middle of an intense study from the focus group company. I turned down an easy $80 because it was like today, and I ignored calls for several others. I just couldn't add one thing to my workload (it's almost the 15th!!! Will be working 7 days this week). {Of course, they haven't called me in ages, but when it rains it pours}. & anyway, dh was busy with his own study, tonight. It's been a big time commitment - maybe 8 hours?? But they will pay him $400 and it all can be done from home. Some kind of study about making dinner. But he had to go to a friend's house to watch them make dinner, which was tonight. I suppose that adds another couple of hours to the mix, the the bulk of it has been doing things he'd do anyway (like make dinner or go to a friend's for dinner).

This reminds me, a co-worker looked at me like I was crazy when I mentioned this study. LOL. I keep thinking that the "Mustachian" mindset is subtle. You can jive with someone really frugal and fiscally conservative 99% of the time, and then something like this and they think you are totally crazy. Co-worker does realize my spouse is unemployed? I understand why she would not consider with her very high income household and with their crazy schedule. But, cut me some slack...

**One problem. Credit card got denied the other day. Turns out a merchant had a security breach and our card issuer was being cautious. Which explains why they hadn't bothered to call me, because it was a wide breach and they changed the numbers on a side swath of credit cards, it seems.

Anyway, since I tried to use the card and called, they told me they would expedite my card replacements. As they had not initially expedited them. I could also keep using the old card until Friday. EXCEPT that when I called the card issuer, they no longer recognized my credit card number. Took forever to find a human to talk to - SO frustrating.

I figured it would straighten out in a few days. It mostly has. But I ordered that wearable sleeping bag for BM. We received it lightning fast, but it's not showing up on my credit card bill at all. Not showing up as pending. Nowhere.

To top it off, now that we got it and got to see the size and see if it works as well as person, I Was ready to buy one for LM. We decided to do child size for him, which is WAY cheaper. SO I just ordered it. Wonder if they will accept my order or if I am on the deadbeat list. I will eventually straighten it out. When I called the credit card company they told me it was a "new thing that they hadn't researched yet" so basically couldn't tell me anything. They couldn't tell me if there were fraudulent charges on my card. I wonder if there was some suspicious charges that they just removed. Not usually their M.O. But I am sure something less noticeable could easily be missing from my bill.

Our online backup usually goes through the first of the month and that never came through either. So dh will have to straighten that out. He's got to update our new card # with Hulu and Netflix too. Most the utilities and insurance only take Visa, so it's kind of spread out so it's not a huge headache to update everything. I updated Amazon and our health insurer.

**Easter was really nice.

IT's been very sunny here actually. Our gas bill was about 50% of what it was last year. We turned off the heat in later February, I believe. I guess that is official that it's more mild than last year. BUT, it was a very stormy weekend. In the end it turns out it worked out for the best to be out of town. Usually our weather is pretty similar to San Jose (we get the same storms anyway). But yesterday Sacramento was more crazy T-storms and even a funnel cloud spotted. We were 100 miles south enjoying beautiful sunny weather. If we knew it would have been so nice, MIL would have cleaned up the pool. Easter is usually a pool party, but every few years we get a storm. So anyway, the storm never materialized down there. I was so relieved to *enjoy* the sun, as I have been working too much to really enjoy the nice weather. The drive home was okay as we waited out the storms. We did pass through an area with a funnel cloud warning. I Was reading all the weather reports on the drive home. So, was happy to get home. Lots of WANRING: DANGER kind of stuff. Wind and floods and dangerous lightning. In the end we didn't see any hail and only drove through a few minutes of heavy rain. Phew! I Was expecting more of a show, but we really didn't see much lightning.

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**I am not sure what has changed from before to now, but dh has been really unhappy with Sprint. Maybe he always has and was getting more frustrated. He called to complain a couple of weeks ago, and they said they wanted to make sure they tried this and that before starting to talk about discounting our bill. Well, they called him back a few days later - actually left him a message while we were at our *final* vet appointment. So, he didn't want to deal with it right then and never called them back to complain whatever they did wasn't helping.

So on the drive down he was griping about it. While in San Jose I talked to my dad about it and he had a long list of complaints too (We share a phone plan - and they both have the same phone).

So on the drive home I told dh he should talk to my dad about it before he calls back. Make sure to report his complaints too. While we were talking about it he handed me his phone to do some speed tests. I Was getting 100 mbps in several spots (even one mile from our home which is basically the middle of a giant city, incidentally where dh spends most his time and got the *worst* readings). 100 mbps download, when they advertise a minimum of 1,000. OF course dh was peeved as the entire drive home I kept picking up, 200, 300, 500, 800. 100 was just the nail in the coffin. I got *one* reading of 1,000+ on a 100-mile drive.

In addition, dh is really peeved with their 4G advertising. We get 4G in the dinkiest towns, and that is it. He didn't necessarily expect it in Sacramento, but is realizing if they can't pull it off anywhere in the Bay Area, that they probably don't have the infrastructure. (That would be a logical place to start - where are the techies and reviewers are). So he did expect to enjoy in the Bay Area by now, as they of course told us "4G is being rolled out" when we signed up a year ago. We regularly get 4G in the car when driving past cow pastures. But that is it. !! Needless to say, their advertising was misleading.

So dh will work on getting some kind of action, help or discount. In the meantime, T-Mobile is rolling out an interesting plan where they are offering "no contract/unsubsidized phone" plans. & what they will do is add $20/month to your bill until your phone is paid off. (Or you can just buy a non-contract phone, probably elsewhere).

So, dh is going to talk seriously to Sprint about the cost to get out of our contract. & will be re-visiting Ting and other options. I think T-mobile won't be any better speed-wise. But, basically, we are at, "I ain't paying a gazillion dollars for this $%&^ if it doesn't work as advertised. T-mobile can give us the same crappy service for $50 less per month."

So we have some serious research and number crunching to do. We may be stuck with Sprint several more months due to the contract. IT was never our intention to stick with them for the long run. We still believe in other options and more cell phone competition, and are waiting for some of the other services to mature. But, I suppose there was an element of being willing to pay a little more for high expectations. Likewise, we had no baseline of what our data or text usage would be and now that we have that information we can start making some better informed decisions. Overall, the industry is still ridiculously priced for what it is. Time to Seriously Consider Plan B.

**Yikes!! We had a super crazy big storm last night. It was hard to get a good night sleep. The thunder was shaking the house. I don't believe I have ever seen such a big storm in California.

**I am glad dh is on the ball because I totally spaced on Easter. The kids seemed so excited about it, and I wasn't entirely sure why. I even teased them and said, "Looking forward to 4 hours in the car??" Because lord knows I am not. I am happy to go see family, eat some good food, and get out of my environment (work work work). But, not thrilled to be in the car 4 hours round trip. Dh's cousin used to host locally, but no longer does. Easter before April 15th is a little brutal. If it wasn't Easter, I would absolutely be working today. (I admit I enjoy the excuse for a break though).

Anyway, so it finally hits me that the kids are excited about their Easter baskets. We never did that when I Was a child, and kids figured out Santa/Easter/yadda yadda MANY years ago. So the thought didn't even cross my mind. It's totally dh's thing anyway. But told him I was glad that someone was paying attention. (HE also tends to spend insane sums and drives me nuts, but it probably fell under my radar this year because I didn't notice. He might have spent a large sum, but it fit in the grocery budget and I never saw the receipt. Or maybe he scaled it back a bit).

**WE did DIY pizza lunchables yesterday and they turned out well (see last post). No pre-planning, but most of the stuff was on sale. Dh just happened to do a grocery run yesterday and so picked up some english muffins, pizza sauce, and pepperoni. I determined the cost was about 1/3 of the lunchable price, per serving (they were on sale - so just compared to sale price, as not sure what full price is). & these costs could be brought down considerably by stocking up on sale, making tomato sauce and/or dough from scratch or with canned tomato sauce, or hitting the discount bread store (where I often get english muffins for much less; free even). To be fair, I didn't count the cost of adding spices, garlic, onions, cheese, etc., because these items are always bought in bulk and are abundant in our home.

Anyway, we made them in the toaster oven and was success!! This would also be a good way to use up leftovers (for pizza toppings).

**The kids' dentist stopped giving cash discount on credit card payments. LM had to go back for some sealants, so had dh just take a check. (I'd hesitate, but it was the last weekday of the month, and was going to pay it off next week anyway, and actually had some cash in the checking account). Glad we did that on a small amount, because they lowered the cash discount to 8%. Credit card discount is 5%. I get 2% back on my credit card. So only losing about 1.1% by paying on credit card. (IF we charge 95% of the full price and get 2% of that back, versus just paying 92% of full price).

We decided we won't bother to pay by cash or check again.

The loss of discount is a bummer, but our new local dentist is dirt cheap (for dh and I), and so we are saving several hundred dollars on our dental bills. & eventually we will switch the kids over which will save us TONS.

**Expecting some OT money in April. Our plan is to 100% save for potential China trip. Regardless, 100% to savings. Unfortunately, I haven't found international travel to be very motivating. (Just not my thing). I think I need a more exciting goal (for me) next year. It's more like an opportunity I feel we shouldn't pass up than anything I am actually that enthused about. In fact, there has been talk of NOT going, and I like that. So many other things I would much rather do with $10k-ish dollars than blow it all on a one-week trip. !! So, will see.

Anyway, I am thinking through purchases I want to do with our cash infusion (also got $300 for doing Grandma's taxes, which will allow 100% savings for the rest). I went ahead and ordered the "wearable sleeping bag" for BM. I Was clear with him that this is an advance on his birthday present. Between this and his Europe trip and college classes, not to expect anything else. I just wanted him to have the sleeping bag before camp in June. We had decided to get it a while ago, but just never got around to it. & if they both really like it, we will buy a second one for LM. It's just that BM literally lives in his sleeping bag, so when I saw this I knew it was perfect. !! We want to check out the size and functionality before we commit to a second purchase. They both could use sleeping bag upgrades anyway, so helps me to stomach the cost.

I am also thinking of investing $25-ish in some tupperware for them - like lunchable style. So, I think those are my big splurges. We pretty much had a prosperous year last year and caught up on some long pent-up purchases. I don't really have anything retail on my horizon. (Last year we finally got LM a bed, got some furniture, upgraded to smart phones, and replaced some appliances and stuff around the house).

Er, I lied. I would like to buy a side table for the other side of our couch. I need to peruse Craigslist heavily. I might set aside $20-ish for that too. Nothing fancy - just need something functional as it won't be very visible. I'd buy a matching table but can't find the one I bought last year, again. Bummer!

I am finding habits still hard to implement. I wrote that note that said "coupons/used" and put it in my wallet. The problem was that I didn't grab my wallet until I Was practically done with my online purchase of this sleeping bag. (& when I buy things on Amazon I don't look at my wallet since my credit card info is stored). TO be fair, I researched like crazy a couple of months ago, and so felt ready to just purchase. But when I was checking out it asked for a coupon code, so I dug furiously for one. Never found one. I Didn't see my note until I Was ready to pay, so I perused ebay and Craigslist when I saw my note. IT still bugs me that I could make any purchase for $100+ without taking those obvious steps first. & somewhat ironic since there are so many things I would never think to buy full price or "new." Maybe the note will get it through my brain. !! This thinking really should apply to *everything.*

**I still have mixed feelings if we are ready for a new pet, but might peruse the shelter this week. Cat adoptions (age 1+; which is our target anyway) are $5 on Fridays. I threw that in there to say I don't think I need to set any money aside for cat adoption. I paid $80 to adopt my last cat and that still seems to be the going rate (to cover all the vet stuff that the shelters take care of). Of course, I will probably be a sucker and donate some money to the shelter anyway. But, I can do that at the end of the year, versus now when I just spent a pile on vet bills and am taking on a completely unknown cat.

Mr. Money Mustache had a totally awesome article yesterday. About how the best gift we can give our kids is teaching them to work for what they want (versus handing them a materialistic lifestyle).

Just some good stuff, especially for parents. We were raised that way anyway, but it becomes clearer as parents. Do we want to work more and ignore the kids so we can buy them whatever they desire? OR do we actually want to spend time with them and teach them how to thrive? I am very secure that I don't need to spend $1,000 at Christmas or provide my kids a six-figure education. We have all thrived very well without all that.

& to be clear, I don't think this is an impossible thing to get if you have more "spoiling" parents. My bff and my spouse were spoiled rotten in comparison to me (free cars, free educations, free rent, my bff never worked until she graduated college. !!) But they are also both the most fiscally responsible people I know. BUT, that said, they were never handed a materialistic lifestyle either. They were given some nice things, but never taught to expect it. Cars and college can be useful (& neither had a six-figure education or a fancy car or anything like that. Lord knows the car I paid for was more useful than the piece of crap my spouse drove when I met him). I think what's important in these cases was they weren't spoiled on a material level and weren't just handed anything they asked for. I do believe in moderation. I think I Can teach my kids all the same lessons without being quite so extreme as my parents.

I am too lazy to link it - just google it - I think I might have the MMM website on my sidebar.

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The To-Dos are going okay. I got my parents' tax return done. Not much to it and my dad way over-estimated income from my Grandma's estate. Some of it won't be reported until 2013. Other taxable reporting wasn't as expected. So, we wasted a big fat tax-free ROTH conversion opportunity. Bummer!!

Which reminds me, I misunderstood on their health insurance. It is only $1800/month for the two of them. I thought they were EACH paying that. Nothing surprises me when it comes to healthcare... But if you thought I was crazy, I was. !!

& I also got Grandma-in-law's tax return done. She insists on paying me $300, so dh will get the check from her on Easter. It was probably fair in the past as her investments are a tax nightmare. I think she is a case where her broker is making her broker. Way more complicated than any of my wealthy clients, and she just does not have a lot. But anyway, I was able to import 100% of everything electronically, so probably saved me hours. I told her how little time I spent on it this year and she didn't have to pay me, but she is a Grandma.

So, I feel relieved to get those off my back. I filed and paid ages ago, for us and the kids. I don't generally do any other taxes (out of the kindness of my heart), but Grandma and parents are okay. Otherwise, I am just happy to *survive* every tax season. Not willing to do a lot of tax returns for others, pay or no pay.

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Here is a yummy/easy recipe:

Mozzarella Beef Roll-Ups Recipe

http://www.tasteofhome.com/recipes/mozzarella-beef-roll-ups

Pizza-flavored roll-ups...

I was thinking to these today because had kids had asked for lunchables last time I took them to the store. I said, "Are you crazy?"

Anyway, dh was telling me how they were being very generous in the sample department today. They were selling two servings of apple sauce in disposable plastic bags. $4 for 2 servings. O.M.G. But they were giving away single servings. He said he was a little taken aback that they would give away a "$2" sample. But also launched a discussion with how ridiculous and wasteful those food packagings are. (I actually often take apple sauce to work, in reusable containers).

So, then it got me thinking that I needed to do some DIY lunchables at home. The kids told me they liked the pizza ones and I immediately thought to this recipe. Tortillas and pre-made pizza sauce would make a good base. Pepperoni and shredded cheese is often on hand anyway. Then I saw the idea to use english muffins. I like that! Bagels would probably be even better for my high-caloric-needs children, but BM informed me he does not like bagels. ??? So I will try english muffins. Tortillas or sandwich thins would work too. I think my kids would starve, is all.

We really need to work on spicing up their lunches. We let them buy twice a week (good value, and they will eat all the veggies). But it's usually literally PBJ 3 days a week. I try to throw in snacks or make them other sandwiches when I make them lunch. But I don't think I have made them lunch since December. Poor kids!! Anyway, I think I will invest in some compartmentalized tupperware and try to get a little more creative.

I also bought some frozen smoothie molds last year, but the experiment failed because the plastic smelled terrible. I think we are in general extra sensitive to that stuff since we try to avoid a lot of chemicals. (It's a theory, I could be totally wrong). As maybe a small percentage of reviewers mentioned the smell, but most seemed to think we are just crazy. !! Well, I am not surprised that we would be the ones to be unable to deal with the scent of the plastic. Anyway, I was looking those up again because I also think those would be GREAT for school lunch and I love making frozen smoothies. So I saw the tip to soak those in baking soda to get out the smell. I will give it a try.

This is an important lesson for the kids. You can have it, but let's be respectful of the environment and our dollars... So instead of always saying, "no," we instead say, "Let's do it BETTER."

**I applied for improved disability insurance earlier in the year (offered by same provider I already have - was new more extensive coverage than previously offered). I just got word I am approved. Awesome!! IT now covers partial disability, which is a substantial improvement.

**Wow, real estate is HOT here. A house sold down the street for $375k (in minutes). That officially puts our home appreciation at 50% over 12 months ago. !! I thought, "Yeesh, I haven't heard anything about real estate picking up so much." So I caught up on the real estate news, and I guess our city is on fire. Apparently also high in the ratings for "flash sales" (or homes that sell within 24 hours). Flash sales have generally always been the norm since we have been homeowners (common enough even in the "slump."). But, it is definitely noticeable today that homes in our own neighborhood are 100% selling within days. (1 or 2 or 3 days - same difference to me. By the time you evaluate your pile of offers and sign on the dotted line, it might take a couple of days). In the "slump," homes priced right would always sell in a flash. (Yeah, it's hard to consider that a slump. Hence, the quotes). But others would languish at higher prices.

Bubble 2.0 is definitely here. I call it that, due to the abundance of zero-down home loans. (And 3.5% FHA loans).

Regional real estate is interesting because it seems to have little to do with regional economics. Unemployment is sky high here and wages/employment have never been overly fruitful. But home values are hyper inflated by outside investors and transplants from LA and San Francisco. So, I wouldn't be surprised if home values fly past $400k this summer. (& if they fly past $500k, $600k eventually, as they have before). Especially since buyers seem more concerned with monthly payments than home values. I have never really gotten a sense where things would settle down. For the past 13 years, real estate has been a rollercoaster ride every step of the way. I think it's some of why I find it so fascinating. If my home didn't swing wildly in value, it wouldn't be so interesting to keep track of.

**We got the catalog for the courses my 4th grader can take this summer at college. O.M.G. It's becoming clear to me he got the engineering genes from my dad. (& my dad will be so jealous!!). I've already guessed what classes he will want to try for, so will see. Electrical engineering, circuitry, designing, that kind of thing. Anyway, I am so relieved we can fit in two weeks of classes with our busy summer schedule. This summer will absolutely fly by.

That's 2 weeks of engineering classes (most likely) and 10 days in Europe. We have our annual camping trip, and summer break is only 8 weeks for the kids. I doubt we will plan anything else in particular. Except finding something fun to do with LM while his brother is in Europe.

**It's been a sad, sad week since we said good-bye to our fur baby.

Dh and I, fatigued by the care of our elder cat, had many many talks probably for years about all the things we would do when we were some day petless. *No more pets.* (At the least, no pets for a couple of years so we can do some longer-term travels).

Well, spiritually, I had a very quick change of heart. I did peek at the shelter. Well, the many shelters and the gazillion homeless cats in our city. & it immediately hit me that I no longer cared for the simplicity of being petless. We have a nice, stable home, and I just couldn't say no. Of course, my spouse is in a space where he thinks this is a choice of grieving and he is actually open to it. I don't think it has anything to do with grieving. IT's realizing that having a pet is a lot of work and responsibility and a PITA, but that's what all the *best* things in life are. & I don't think anything has taught me that quite as much as having children. So, on some level, I think it's just an extension of being a parent. When I Was 23 and picked up my fur baby from the shelter I couldn't imagine being petless. IT was my first decision as a renter-turned-homeowner. These days I can imagine being petless and enjoying it (mostly because I am in knee deep with kids), but I also have very well learned what is truly important in this life. It's love. Bringing more pets into our home is just more opportunity to love.

Anyway, so we will take our time. But, I look forward to adding all that crazy to our life again, when we are ready. Crazy and love.

Mr. Money Mustache has an excellent blog post the other day:

A Lifetime of Riches – Is it as Simple as a Few Habits?

http://www.mrmoneymustache.com/2013/03/19/a-lifetime-of-rich...

{Sorry - link is not working right now - check back later I guess - is a great article}.

This clarified a few things for me.

Firstly, I have often blogged on the theme that I don't feel like I have any extraordinary willpower. I literally do not equate savings with willpower. I never have. So reading this was a bit of a "aha!" I don't have willpower, I have good habits. The End!

Secondarily, this clarifies my approach to life improvement. I always approach my life with a "one thing at a time" attitude. While some people thrive on the "Huge lifestyle change" all at once method, and is maybe more crucial if you have to dig yourself out of a big hole (you might have no other choice). I personally like to adapt to one new habit at a time. This is why I roll my eyes when anyone says they have no room for improvement (financially or otherwise). I think I can easily spend my entire life improving my habits. I Feel like there is always always always room for improvement - something to learn. There is never a point where I will stop trying to be more efficient in my finances. If I have accomplished this in the past 20 years or so, I am excited as to what I can accomplish the next 20 years and will keep pushing to improve. But, I have never been interested in a huge makeover/overhaul overnight because I know it would fail in the long run.

I think that though we have always been good savers and debt avoiders (good habits established in our childhoods, with the help of very fiscally sound parents), we have been working very hard on changing our habits since having children and cutting our income in half. Some of it is easy. I don't eat out very much because I can't afford to. The End. It is really that simple. A lifetime of "avoiding debt" habits completely rules it out as an option. I am not going to go into debt to buy things I Can't afford, either.

We still struggle with habits like buying used and using coupons. It still is not the first thing that comes to mind, because we never had the habits that we would "only buy used or with coupons." & we were even loosening up on that kind of stuff when we were both working, before kids. So, it seems to be a constant reminder. I should probably put a piece of paper in my wallet that says "Find coupon/Buy Used." Maybe it's really that simple. It is not always my initial reaction. & so sometimes I don't think about it when I am looking at a purchase that I would be perfectly happy to find used.

This also explains one final disconnect for me. People often equate willpower with good finances and a slim physique. So obviously I am very good with the willpower. Actually, I was raised with horrific eating habits. My nuclear family is filled with obesity and eating disorders. The absolutely only things I did to stay thin were to 1 - marry my dh and 2 - be too broke to eat out all the time. LOL. The End. My spouse was raised with very good eating habits, and that is why he does all the cooking and the shopping. I am afraid that I don't have the willpower to eat well all the time. But, it's almost like hiring a full-time chef to deal with that. & since I can't reach for the credit card, I eat the food that is in front of me. I hope eventually these good habits will overcome the bad habits I was raised with. But I think the bad is *really* hard wired into my brain.

This reminds me of celebrities. Do they have willpower or do they have the money to hire chefs and personal trainers? I feel like I literally have a personal chef. & interestingly, I have exceptional workout habits, established when I Was a child. Which again, people seem impressed I can stick to an exercise schedule so seriously. I can't imagine NOT working out - I just can't function without a good exercise regime and have always made it a priority no matter how crazy my schedule was. Again, it really has nothing to do with willpower for me. For me, exercise is just a basic part of surviving. I am a mess without that habit.

The takeaway? The best thing we can do for our kids' futures is to help them establish good habits. !! Secondarily, let's stop beating ourselves up for our lack of willpower, and let's start establishing good habits in our lives. One at a time. If you can implement one solid good habit every single year, is better than beating yourself up for the rest of your life. & start thinking about how to circumvent your bad habits - maybe there are other ways around them, like a super awesome spouse who has good habits that you don't.

**January seemed off to a shaky start as there was so much fun stuff we couldn't turn down. !! But, traditionally January - April is very low-spend/high earn with the tax season. Always a nice jumpstart to the year.

Anyway, we have definitely shifted to low-spend mode. February is always easy because it is short. March has been exceptional. Our AmEx credit card did not close until the 7th, so already paid some March expenses. But I got the closing date fixed, again. So we can pay more by calendar month. (I moved the close date to the 25th. That means we can pay just prepay charges between the 25th and the last day of the month). As it stands, the balance on our gas/grocery card is $40. Dh is getting both cars oil changed this week and will fill up the van for me today (we have a 50-cent per gallon discount). I believe we can absorb the oil changes and the TV expenses in the gas and grocery budget. To be fair, we buy a lot of groceries at Target as well, but the Target balance is $35, including some outdoor toys for the kids. I can't tell you exactly what it is, but I think a lot of it is the new rewards system at our grocery store. I don't even think we have eaten any of those Indian meals this month. Which would lower our grocery bill even further. But maybe some of that eating last month has made all the rest of our food last longer. WE did splurge on corn beef and cabbage over the weekend. We also bought a take-out pizza Saturday because the kids asked and we hadn't eaten out all month. So, what the heck.

**I did redeem $25 rewards to my credit card (which credited $25 against our spending, and is also why our balance is low). I applied the $25 to our next mortgage payment.

**Dh earned $25 from a phone interview - from the focus group company. This interview will decide if he is eligible for the $250 focus group. No word yet.

**Other than all of the above I haven't spent a cent so no coupons or savings to boast.

**We did get our TV part and the TV seems to be working fine. The test will be if it lasts a month, as there were some complaints of these parts failing fast. So, still crossing our fingers that this is a long-term fix. After a month I will feel better about it.

**I just lump all our pet spending in with the groceries. I have never bothered to separate it out. We will always have to feed our cat, right? So, I expect another nudge down on our expenses with the loss of our cat. I don't think I will adjust our budgeting or savings goals as I felt our savings goals were very aggressive and maybe a bit tight. So, I will leave be for a while. IF we continue with this ever downward trend on groceries, I may re-evaluate. I have always left a big buffer in our gas budget since gas is ever rising. But this also means smart driving choices buys us more wiggle room in the budget. I don't think our groceries (& household spending) have ever been less than $500/month on average, but they might be this year. So, buys us more wiggle room, I suppose. Most likely would redirect some of our cost savings to music lessons, in the long run.

**Kitty kitty kitty. We made *the* appointment for tomorrow. Not sure if we will have the guts to actually go through with it. I think dh is taking this harder than I am. Though he hates cats and she is my baby. Ha! So, tomorrow sucks and today sucks, and I will probably turn off my brain re: finances for a while. This is one of those times that illustrates the why of being fiscally conservative. So, I can turn it off and ignore it during these times. I asked dh if he asked any questions when he made the appointment. (Like cost). He said no. I said, "It's okay - I don't give a flip anyway." That is how it goes. I kind of figure ignorance is bliss. He did not ask anything about anything. I am sure he had trouble just making the appointment - as would I. So, we turn off the finances for a while and focus on life.

My mom said she'd take all our cat food and stuff to the shelter for us. I can face that because it is doing something good, but not sure when I will deal with the rest of it all. One day at a time...

We rescued her from the shelter when she was 2. We had her for about exactly 13 years.

Well, by some miracle we made the right decision to keep the "on the fritz TV" as a backup. Our other TV bit the dust yesterday. Yeesh!!

It's ironic, because we have never had so many conversations about how it could last "5 more minutes OR 5 more years," until deciding what to do with our other bad TV. The reviews on bulb life were mixed, so we knew this was a possibility.

*Fingers crossed,* but dh found the usual $300 part/bulb to fix it on amazon for $50. We already ordered it. It had some mixed reviews, but figured it was worth a shot. Even if it buys us a few months or a year would probably be nice. Since we *just* bought a new TV. !!

I had envisioned putting the "newer with a lot more problems" TV in the closet or something, but since it seemed to be working okay again, dh wanted to get it all set up with his old game systems. (To replace the old 10-incher he has been using). IF we were keeping it, he wanted to use it. He wanted to buy a TV stand in December or January and I asked him to wait a few months. Anyway, we decided we could afford the expenditure this month, and he ended up finding a stand for just $50. We just put the TV up on the stand Wednesday night. Got everything all setup. & then the other one goes kaput within about 24 hours. HA!! So, basically, if this happened 2 or 3 days sooner, we may have just moved that TV into our bedroom and be done. & crossed our fingers that it would work for a while. But, now we have put all this effort getting it set up for it's temporary use. Will see...

As long as dh has one "precious," he doesn't really care about the rest. I am surprised he is willing to keep this TV - the one we will try to fix - it has had other issues and he has disliked it for a long time. But he is also disgusted by the disposable-ness of these TVs. I am sure even he envisioned just buying a nice TV and keeping it "forever." Not having to replace "every 3 years, which is totally ridiculous. So if I am happy, and it can be fixed reasonably, he will keep it for the less picky of us in the house.

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As far as FREE stuff?

The other reason we got the TV all set up in the spare room is that my dad brought up his musical keyboard last weekend. We are "borrowing" it. (Yeah, I think he is giving it to us). So, dh felt pressure to work on clearing that room and moving the TV out of the way, etc.

He was stressing out about where to put the keyboard. I figured we'd make do or buy a stand. Well, it fits *perfect* on my old desk. We had already bought a new tuner for our main living area and put my OLD one up to use with the keyboard. Dh has some speakers from childhood. So, we were able to scrounge up everything else we need. That is how we do it around here. We may spruce it up in the long run, but in the short run there is plenty to make do.

We have a home theater in our house that started with the purchase of a projector. IT still has the original surround sound that dh bought as a teenager. We now have a ceiling mounted projector, a screen and some nice seating. I don't think we really give a flip what the room looks like with the lights on. But you know, the giant screen, the awesome sound, the comfy chairs. What else do you need? Someone just recently asked why we didn't just buy a large TV. Well, it would be big and heavy and it would cost about 10 times as much!?! IT's hard to compete with a 12-foot screen.

So, our music room will evolve the same way. It's starting small with the purchase of a tuner, a hand-me-down (it's really old) and some repurposed furniture. But it will eventually be pretty sweet. For reference, we have many friends and relatives who have gone bankrupt buying this kind of stuff. You just don't have to spend a gazillion dollars to enjoy these type set ups. This keyboard is *really old* and my dad replaced it a long time ago, but didn't really want to let it go. I think he will be happy that we get more use out of it. I think it came up because I asked for his help in evaluating a keyboard to buy, for LM. & he said, "Forget that, I have one you can borrow."

----------------------------------------------------

The "free" does not end there. I was driving home from work and saw a pile of fairly nice furniture on the sidewalk a few doors down. I walked over and saw that it was free for the taking.

Dh had been talking about getting some shelves for LM. For books more than anything. We decided this would do:





LM did not want to put it in his room but we have tons of room in the hallway. Good storage for joint books and games, so maybe it's best to just put it in the hall by their rooms.

Score extra points since it "hides" all their crap.

What had caught my eye was this:



I did not even realize, but I guess bottom glass piece was missing. I do not care, as I like the way it looked. I like the open bottom shelf.

I put it in my bedroom to replace the shelves I used to have in there:



We moved these shelves downstairs at some point, to house our growing book collection. I had taken the opportunity to declutter. But in the end, I couldn't sell everything, and I can certainly fill up the shelves. It's a little smaller than the old shelves, and I like it. This will probably give me another opportunity to go through my things and purge some more. & maybe I will give up on some of the trinkets I couldn't sell and will just enjoy them.

Oh anyway, dh moved a heck of a lot of books and games from this big shelf to the new little one for the kids. So we will have to go through all that stuff some more. Will be doing some spring cleaning, I suppose. OF note, there is now room for everything sitting on the floor "in front of the shelves."

Frankly, this is how we furnished *most* of our house. Hand-me-downs and such. Though I must admit I never saw furniture so useful and nice on the side of the road. Usually it comes from a friend who is moving or something like that.

We have crossed over. Woohoo!

More cash and mutual funds than DEBT!!!

*Most* our our savings is in retirement funds, so obviously not planning to cash that all out to pay the mortgage. But I am very pleased to be here. What might not be that exciting of a milestone to some is extra huge to us because of the high cost of living here. I don't think we would be in this financial position without or low-cost move.

This is a very tenuous goal, as these things seem to be. So, the next goal is just to KEEP it this way. To get so far on the other side that we will stay there. That might take one year or five years. I don't know. (Historically I find these kind of goals take about 5 years to stick, but that's with the economy in the crapper and everything).

There is nothing spectacular we have done over the years. Save a little every year. Don't borrow any money against home. That's really it. Time does the rest. I share because it's so important just to save what you can. To consistently save and to stay the course. I am sure I would have found these numbers overwhelming or impossible when I Was younger.

Being very debt adverse, the mortgage still has never bothered me much. (Though obviously no plans to keep it forever!!). Why not? Because if we wanted to be 100% debt-free tomorrow, we sell the house. The End. Debt Free. There is certainly a lot of bad mortgage debt out there, but we have avoided putting ourselves in that type situation.

So why is this such an exciting milestone? For the first time I can envision paying off the mortgage and being 100% debt-free, *while keeping the house.* That feels AMAZING!! That means, keeping a roof over our head and not having to pay rent or a mortgage. & to me, this is a level of financial security we have never achieved before. Woohoo!!

I totally understand it's a little premature to get too excited about it. But then again, it only took about 4 years to turn $100k to $200k. Our savings level is back to where it was last we both worked - trying to save about $30k per year. At some point it becomes an obvious choice to save and invest rather than to be "debt free, today."

At current, I still envision paying off the home age 45 or 50. I am 36 today. If we have another good stock market run in the interim, I'd consider cashing out at a peak and being debt free. It just depends on all factors. With these low interest rates I lean towards investing in mortgage payoff (4%) versus bonds and more cash. If interest rates were higher I'd maybe keep more conservative investments in cash or bonds, earning more than our mortgage rate. I am a risk-adverse type, so will not be putting 100% of our money in the stock market. & it seems silly to settle for less than 4% with the more conservative portions of our investments (above and beyond more immediate cash needs). This is something we just evaluate constantly as economic factors change. What I am doing this year might look totally different next year. It wasn't that long ago I had a 6% CD at the bank. So, will see.

In other news, real estate is HOT here. Our house might be worth $350k today and will easily hit $400k this summer. Homes are selling in minutes and going up in $25k increments. Bubble 2.0 is here. (I call it Bubble 2.0 because no one is putting down any money on these homes, nothing seems to have been learned in the first Bubble. I don't feel like we ever got anywhere near true rock bottom with all the investor speculation keeping home values artificially inflated. The market is spiking as real families are actually starting to buy these homes, to live in).

Mr. Money Mustache does it again:

http://www.mrmoneymustache.com/2013/03/12/a-side-dish-of-fre...

I know many of you are trying cell alternatives, so bring this up for some new ideas.

**My overall feeling is, "It's about time!" This is some of the cell competition we have been biding our time for.**

We are about one-year into our two-year Sprint contract. We are gauging our usage, likes/dislikes, needs, and letting some of the start ups work out their kinks. So, next spring we will be seriously considering other options. In the meantime, I keep my eyes open for new ideas.

How is my attempt to go "checkless" going? Not so hot.

I easily paid the state online this week, but when I went to pay the IRS I could not figure out how to. Not without crazy fees anyway. Ugh! You think I would know, but most my clients get refunds. OR are older and would not pay online. Though our state often requires it, so I knew the state was easy peasy.

I could have set the payment up when I e-filed. Mental note for next time...

I gave up and wrote a check. *sigh*

On a whim, I checked all the checks I wrote this year. I am already up to FOUR. (& it is barely March).

--2 checks for passports (no other option)
--1 check for repairman (no other option)
--1 check to IRS (Just easiest and cheapest)

I could easily see using no other checks for the rest of the year. Will see!

Property taxes are due in about a month, but I will probably just pay them next week - after payday. I have taken to paying those online with a $1.50 convenience fee. Our mail SUCKS, and this beats it getting lost in the mail. I have had online bill pay for well over a decade and so mostly stopped buying stamps a decade ago. Spending $3/year to make sure it gets there on time, is worthwhile to me. & does avoid the hassle of stamps and checks. & yes, I will probably start paying the property taxes all up front, so it would only be $1.50 per year. I considered it last December, BUT with AMT up in the air, it was possible I would not have gotten a tax deduction for the extra payment. This year I will reconsider, as our cash coffers are replenished, and I know the extra payment will be tax-deductible. (& interest rates suck. Pre-paying $2,000 will cost me about $5 in interest over 4 months. Yeah, whatever).

Surprisingly, I have never paid our entire property tax bill at once. Interest rates were too high last we both worked and were flush with cash. I wouldn't have thrown away that interest. These days I am leaning more towards simplicity - pay it once per year and be done.

----------------------------------------------------

Other than that, I am just watching the pot boil. The spread between our investments (cash/mutual funds) and our mortgage balance is about $2,000. It is very possible we will cross over this month - more investments than debt. !! I think that is as good as debt free. Obviously it means more the more on the other side we get.

I just think that reaching that milestone is awesome. Next, the goal will be to "keep it that way."

Here is a "this and that" post since I have not found the time to post in so long. A little bit of everything from the past couple of weeks.

**Snowflake doings:

--We earned a 50-cent per gallon gas coupon - one thing our grocery store has been doing is doubling coupons frequently since changing reward structure. So though we *always* have 25-cent coupons, the 50-cent coupons are twice as awesome! I will save $8 next time I fill up the van.

--Dh is being considered for a $250 grocery focus group. !! In fact, someone called and left him a message for a $100 focus group yesterday. Will see, as it has been a while since we qualified for anything.

--I picked up a salad at Togo's Monday (LOVE their Asian dressing) and they offered me two packages of salad dressing. OMG - I will totally ask from now on. The one package is more than I ever need and usually take the remainder home to use on home-made salads. Now I have a ton of salad dressing for the rest of the week. (I had been going for their Monday sandwich specials, but I do love their salad so much have switched to the salad - occasionally - not every week. This week I managed two meals and a giant salad for BM. I think they gave me more than usual).

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**LM was invited to a birthday party a while back and apparently the mother had made full viking gear out of...

Duck Tape. !!

When I first saw the outfit I thought it was genius (belt, hat, sword). Anyway, I keep forgetting to share. The gear has held up for a couple of months. I can not say the same for our foam minecraft sword. It snapped in half. (& yes, all it needs is a little duck tape!).

It was extra refreshing after how most birthday parties tend to go around here.

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**Credit cards closed - no $50 reward this month with the old American Express. Was bound to happen one of these days - surprised it took this long. One reason I haven't been posty is I haven't been spending any money or doing much money-wise. It showed in my reward.

(We could not put the vet bills on the AmEx, so will only get 1% back on those).

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**I had a bath rug fall apart in the washing machine. I think that is a first. IT was a mess, but we got it cleaned up. So, I went through and some of the rugs were looking kind of sad. So I tossed them all and replenished a bit.

I spent $100, but just counting it towards grocery budget since it was a short month. IT was a nice month to do that kind of update. (I might have waited a while, otherwise).

I'd say we finished furnishing our home 100% in the past year or two. Our approach has always been very slow, one thing at a time. Which is a must to stay out of debt. We never intended to furnish this entire "forever home" the day we moved in. SO, with all the furnishing complete, this update reminds me there ALWAYS seems to be something. A lot of our old rugs were hand-me-downs. We do seem to be in the "update old to new" stage. That said, I have absolutely nothing else in my own horizon to update. But life may have other plans.

Oh, and the cute trash can I had in the kid's bathroom (had some liquid in the clear base, with some little flowers and flogs floating in it) - well that broke and was leaking everywhere. I guess I am lucky I noticed - kind of a slow leak. So, I cleaned that up and hunted around the house and found a tiny white trash can in dh's office. I moved another medium trash can into dh's office (we had used for disposable diapers and wipes, ages ago - it's fairly small because we mostly used clothe diapers, but was WAY too big for the kids' tiny bathroom). I had to scrub down the white one because it was disgusting. I initially thought I would have to repurpose a recycle bin, as I have a couple of tiny ones around the house. So I am happy I found another alternative.

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**I am so excited for the "music room" transformation of dh's office. Why? Because dh is going through his CRAP.

I was in major major nesting mode when pregnant and I also had to clear out my office to make room for one of the kids. So I have been through most my crap and in "less is more major declutter mode" in the years since. I honestly don't think I have that much stuff lying around the house.

Dh on the other hand? He's not bad, though he tends to have some hoarder tendencies. I think he inherited them on a very small scale. & in fact, to keep himself in line, he is pretty good about keeping most common areas of the house pretty bare. (HE doesn't like to store anything in the garage or closets - he is always driving me nuts - I figure there is plenty of room).

So, between the two of us, I think we could lead a pretty spartan existence.

BUT he loves his blu rays and his games and his computers so there is a fair amount of crap stored in his offices (he kind of has two). {I just have a desk and a couple of file cabinets in a nook in the hallway - which is huge and all I need}. Some of it is fair enough. HE will always have a lot more belongings than I will. I would never keep huge piles of "stuff" like the games and movies. But, that's his thing and it isn't hurting anyone. Lord knows we have the room.

BUT he also has boxes filled with crap that is sentimental or he forgot about or whatever. So... He is going through these boxes. He told me he was going to toss some old computer games and VHS tapes. HAllelujah!! He has taken a bunch of computers and parts to be e-waste recycled. Maybe it will be helpful to no longer feel like he has an entire room for storage.

HE does want to buy a TV stand for the old TV (We are keeping it as a backup, since it seems to be working okay now). Which I think is a fine reward for all this purging (I'll buy with overtime funds). Which probably means we can recycle the little TV/VCR combo he was using in there - where he keeps all his OLD game systems. So it will be kind of a game and music room. Probably a good idea for the long run. We have never had a "play room" for the kids, but might be nice to have a gaming system out of the main living room for the kids to hang out with their friends. The 50-inch TV is a bit much, but is all we have. The 10-inch screen wasn't very useful either. We have our old 30-inch at the family cabin but I doubt we would take it back. It is so HEAVY. At least these flat screens are easy to move around.

**The Mustachian lifestyle can be very subtle. The outside can appear the same while lots of inefficiencies are adding up on the inside.

I have just been pondering this as I had an interesting conversation with the in-laws yesterday. They were talking about how they felt they *needed* their large retirement income. I would not be surprised if they were spending twice as much as my parents these days, to live largely identical lifestyles.

It's not a totally fair comparison by any means, as my parents are much younger and have no doubt buckled way down with medical bills and lack of income (unplanned disability and unemployment, which has transitioned into early retirement). BUT, because they have started their retirement this way, I also don't particularly see them increasing their spending down the road when they reach full retirement age. They live *very well* and if you read Mr. Money Mustache blog you will start to see the how and why.

My parents have also received a lot more in inheritances. The saver gene runs deep - most my relatives are very poor. OR they were very poor and that is how they chose to live, but the inheritances have been surprising over the years. The general concensus in dh's family is that none of his grandparents have any money, but I won't make any conclusions until the *end.* They may be surprised. But I do wonder if this is somehow true as I don't hear the "extreme saver" stories from his side of the family (though they are obviously very frugal and such).

Anyway, I find the parental comparison kind of fascinating because I think they largely live quite similar lifestyles (having had similar incomes and means over the years). The in-laws pay far more in income taxes (pension income, which makes their social security income taxable, which puts them in a high tax bracket), give away WAY more money (always have), spent a lot more on travel and dining out. My dad travels a lot as well, but usually more driving/staying with friends and relatives kind of travel. Lord knows what the in-laws pay for their timeshares and such. The in-laws "commute" a lot because they have siblings, mother, daughter in a neighboring city. They babysit daily for their daughter and I am sure spend a lot of time with elderly mother.

Their bottom lines are very surprising to me, with how much they appear to differ from any conversation I have had with them. IT depends on the day how I feel. Some days I applaud the in-laws for enjoying their money. Other days I think my parents are enjoying just as much, but are doing far better. Neither of them will ever need any financial help, so any advantage one has over the other is just gravy.

I see us ending up more like *my* parents. Which again, is a lot just circumstances - lord knows we are not receiving any pensions and definitely am not counting on social security. This means our retirement will look VERY different than my pensioned in-laws, and I think we are better served learning to make do with a lot less. But, on another level, it's hard for me to imagine spending that much money. When the kids are grown and the house is paid off? I don't see it. They are frugal, good savers, and better off than most the population. BUT I question if they are particularly Mustachian. The difference is surprisingly subtle. & I find that kind of fascinating.

----------------------------------------------------

Fiscally, things are very good here.

I received an unexpected cash gift of $770, yesterday:

--The in-laws resumed piano lesson payments, though teacher is on leave for one more month. They told me to keep it. Since I am paying the mortgage on Monday I just threw it at that. $160.

--They also gave us $600 for BM to take two "college courses" this summer. I was willing to cough up $1,000 for 3 classes (+ fees and everything), but after discussing with them and looking at our calendar I think we can only swing two classes at most. (BM will be out of town most the weeks that classes are offered).

So, not only does that take a load off me down the road, as I now maybe only have to come up with $50 for college fees, but I also owed about $600 in income taxes. I will also just pay those Monday, when the deposit hits. (I no longer have to pull this $600 from savings - but will keep it in savings for college stuff).

Payday was Friday and so I updated my goals in my sidebar.

I toyed with the idea of hoarding cash and hitting all my cash goals by April, and then funding ROTHs the rest of the year, but wasn't entirely sold on this method. But with the stock market being so high, I figured what the heck. (I know - I may re-evaluate next week with the economic news. If stocks drop, I will certainly reconsider).

But overall I am very pleased with the psychological effect of this method. I am also thinking of funding IRAs slower because I think in the next couple of years there may be more decisions to be made about ROTH versus Traditional. Which means maybe I will go back to funding every April for the prior year. I don't know... I am pretty committed to ROTHs for 2013, but who knows for 2014. I am rethinking my strategy a bit versus trying to fund the first of every calendar year.

Anyway, so where I am at now:

--ROTH deposits: $1,100 (2013)
(To fund the rest @ $1300/month, May through December)

--Savings: $3,780 of $5,000 saved
(By April 30th I should have this goal done, plus should receive overtime bonus to fund bulk of Hong Kong $5k goal).

--Mortgage: $235 of $4,000 "extra" paid
(Mortgage to be prepaid with gifts, credit card rewards, and overtime - which means possible large April and December infusions).

It feels amazing to possibly have all cash savings goals checked off next month. Still ample time to fund the ROTHs and throw any extras at the mortgage. I am also feeling positive about my extremely aggressive savings goals for this year - like they might actually be possible.

One financial downside on the horizon is vet bills. I just pulled $500 from savings for vet bills and I am sure there will be more this year. But this is one reason I feel great about not worrying about the cost of this college summer program.

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The bigger picture? I also am very close to $20k in our mid-term savings fund. This is enough to replace both our cars, so I am ecstatic with this milestone. !! (I think is prudent with the age of our cars, but also absolutely no plans to upgrade our cars any time in the near future). For a long time we had discussed living without second car if it came to that. But this has also been less feasible since BM goes to school at another campus this year (is not very walkable or bikeable, especially since the kids have to be dropped off in two different places close to the same time).

So I feel relief with the long-term car situation. This is also why I felt comfortable earmarking April overtime check entirely for China, with this goal met. We can divert to something fun and different for this year and next April. That is only "13 months of diversion" at this point.

On the cars, we tend to save up $100/month per car to replace. I'd keep our cars for 20 years, but that's still $18,000 saved, per adult, if we only kept for 15 years. We should have saved up about $22k by now, considering how long we have had both cars, so are about back on track with that. As long as we have a mortgage, I do not foresee spending more than $10k on a vehicle. So the longer our cars last, the more we can throw to other financial goals. This keeps us extremely motivated to keep our cars as long as possible. We may still have 5-10 years left before we replace our vehicles. {We stopped saving for our cars for a time when my spouse stopped working - as back up plan was to live without a second car}.

We also have about $8k set aside for strictly emergencies. (Obviously the car fund would double for emergency in a pinch, the car fund is far more robust than any basic *car need* we would have. Most our cars were bought very inexpensively, so I am not scared to pick up a car for $1,000 and drive it for 5 years).

Why $8k? This actually covers all our deductibles. I should probably bump this up to $10k, for simplicity, and because we just bumped up home insurance deductible. Hmmmm...

This should give us a total of $33k cash once I get my overtime this spring. SO... I will be letting go of the ROTH Efund. It has served its purpose. I was encouraged to fund ROTHs in years when I felt uncomfortable tying up so much cash into retirement. But I was able to do so psychologically knowing it would be there in a real pinch. (I wouldn't have touched it but for prolonged unemployment or something really catastrophic like that). As is, I don't feel we need that safety net any longer.

So I suppose that is also a pretty awesome milestone.

We are still saving $5k per year to our savings account, as there are still endless expenses on the horizon. Of note, we need a home repair fund and orthodontia fund. I just call it "mid-term savings" as we are saving for all of the above all at once. I find it easier to keep things flexible. If cars die sooner than home repairs have to wait. If a big home repair comes up, then our next cars can be more modest. We will keep saving at this pace until we have the cash for all the "extremely foreseeable" expenses in our nearer future. Our wish list includes $10k for China, orthodontist paid in full for both kids, some general home repair fund as well as to replace fence, replace carpets, and to renovate master bath. It goes on and on and on. These are all things that could wait or we could live without, but obviously need to be saved for if we don't want to borrow for these things.

What is the opposite of "Death by a thousand cuts"? Because that is what we seem to be doing.

I think debt and bad financial management can really be like that as everything just kind of compounds. A lot of little stuff can really add up, that is for sure.

Anyway, I personally find it hard to believe that there is *ever,* "no room for improvement." IT seems we are endlessly able to shave $5 here and there.

**We dropped Blockbuster subscription since our local store is going out of business. This is a huge decrease in benefits and services, but oh well, what else can we do?

We did add disks to our netflix service, to compensate. Will save us $5 per month overall. Maybe more, since we used to make a fair amount of trips to Blockbuster (gas savings).

I think we also got a free trial on the disks, so get a month off - will save $15 this month? Dh just happened to get a netflix offer - but maybe strategic marketing with Blockbuster's whoas.

{That said, would not be surprised if dh bought more movies, so will see. Blockbuster really scratched his "new release/impatient" itch}.

**Dh is clearing out space for the music room transformation of his office. Just a reminder that you can drop off e-waste at Best Buy. They are still doing that. Has saved us a lot of time and energy as we just drop off all our crap there. He got rid of some ancient computers and monitors.

We still have one old school computer monitor in the house, but it gets little use. He kind of wanted to hang on to the others, if we ever need another monitor, but decided prices have got so cheap (new monitors) just to let it go.

{& let's face it, I bet his dad has a few laying around - if we ever need computer equipment we always check with him first. He is a bit of a computer parts hoarder - both new and used/old parts}.

**I don't do a lot of the household shopping and don't have much of a coupon strategy. But I do just try to stock up on things on sale. Or not, when I only pick up a couple of female products here and there. (Dh does all the rest. He will buy whatever, but I like to buy my own toothpaste, soap, makeup, etc.).

Yesterday I noticed panty hose and knee his on sale at Walgreens. They only had 3 boxes on sale so I grabbed them all. It was actually unclear (As everything was marked more expensive except the exact style of knee his that I buy - which seemed too good to be true) and so I picked up a couple and was surprised when they actually did ring up like $1.89 (75% off). So I went back after work to grab the rest. I will go back in a week or two and keep an eye out for more stock. I will gladly buy 10 boxes at this price.

So, that's the little stuff this week. Progress by a thousand cost cuts?

---------------------------------------------------

Oh, and get this!!

I found unclaimed property in our state. I saw dh's name in the database. (I mostly expect to *never* find unclaimed property - we do not let money slip out of our hands that is due to us. !!!)

So, what the heck was it?

A 15-cent check that Vanguard sent to us when dh converted his IRA into a ROTH. There was like 15 cents left in the account, for whatever reason.

I did not cash it because it wasn't worth the time, energy to do so. I shredded it.

For reference, businesses are only required to report unclaimed property of $50+. I would never advise my small business clients to bother otherwise. I suppose Vanguard is so huge that they just report everything.

Anyway, supposedly they were supposed to contact us before they contacted the state. They never did. So I feel kind of and think I will just let it go. The state can have my 15 cents - lord knows they need it. IF they had contacted me I would have said fine and cashed the checks. I mean, if they insisted. Yeesh. But now there is a whole extra layer of complication between dh and his 15 cents.

This may seem the polar opposite of the rest of my post, but I believe strongly in time/hassle trade-off. If I saw 15 cents on the ground of course I'd pick it up. I have to go cash it at the bank? & NOW I have to call Vanguard and ask for the money back? My time is worth more than 15 cents, so never mind!!

But that is my story of unclaimed property.

Actually, the more I think about it the more I annoyed I am. Dh has an account with Vanguard still. Seriously? They couldn't track us down? Or maybe they figured what happened and just sent it to the state to cover their butts. I guess, fair enough.

We ended taking up my kitty back into the vet for an ultrasound yesterday. Though we were told she might have intestinal cancer, I suppose I was in denial. I read it was rare, and figured it was just as likely they she ate something she shouldn't have (the kids are always lying rubberbands around no matter how much we nag them). & she is always coughing up strange things - no idea where she finds these things. Lots of kid stuff laying around I suppose. She is 100% indoors.

Anyway, I appreciate the ultrasound technology as it was easy and less costly. The vet told us usually (historically) they'd just operate. & our cat is older and not sure she is really up to that. I mean, who wants to be operated on if you don't have to?

She was diagnosed with non-treatable lymphoma and given weeks to live.

So, I had a very heavy heart yesterday. I am surprised how hard it hit me. She is 15 and I know very logically her health has gone downhill over the years, and that her time is nearing. But, it is still tough when it comes down to it.

I haven't talked to the kids about it at all. They were there for the news, and dh took them to San Jose to spend the week with Grandma. I think the older one is taking it hard. I don't think either is overly attached to the cat, but he is just more sensitive. We will talk about it when they return.

---------------------------------------------------

On the plus side, I think this is as easy as it gets. We were gearing up for some tough choices. Being told, "There is nothing you can do" doesn't leave much in the tough choice department. Not that we won't have some tough decisions - will see how she progresses. She is old enough that we won't pursue other opinions or anything, is all. I thought it was very likely she'd be going in for surgery, so dodged that bullet as well.

As the writing has been on the wall, we have been gearing up for this a bit. This is the only pet we have ever had as adults. I told my spouse that since we always had outdoor cats, they usually just disappeared. Don't remember putting any pets down. But if we did, the parents dealt with all that stuff, know what I mean? So this feels very much an induction into adulthood, that is for sure. & I have been kind of wary as I didn't really know what to expect. But, on the flip side, I think we've had enough medical crap lately that we probably know all the questions to ask. When I had my thyroid surgery the surgeon was overly impressed with my questions. Well, dh had *just* had brain surgery. I told him, "You have no idea." I suppose we are up for asking all the right questions. We have some experience to pull from that we wouldn't as younger pet owners.

----------------------------------------------------

I suppose that alone would make for a rough day, but cancer always has to appear in 3s or 4s or 5s, it seems.

I met with an elderly tax client yesterday and he matter of factly told me he had liver cancer and would not be here next year. Shook my hand and left.

So, that was my day.

F___ Cancer!

**Hit the store on Friday for post-V-Day sales.

We were actually unprepared for V-Day because the kids' class sizes increased drastically (mostly unforeseeable). So, dh ran out and bought some cards earlier in the week. THEN BM forgot his cards and LM stayed home sick. They were also both kind of "meh" about it, and I encouraged them to be "meh" about it (while dh didn't??). So I picked up enough for probably one more year, and they have enough already for next year, so might be my last V-day run. I also picked up some candy for myself, to keep at work.

LM ended his perfect attendance streak, with a sick day. 2.5 years!!

**There are all sorts of nasty viruses going around, and I think we are all fighting off a little bit of *everything* in our own ways. I have battled with an upset tummy and being sniffly. (I usually have a very sensitive throat, but no sore throat???) I'd probably write off the sniffles as allergies, but the boys are all sniffly too.

Anyway, my feeling when first sick was "Oh crap!" considering all I have heard is going around, but has so far not amounted to much. But definitely low energy levels all week. BM did not miss any school, though only told us he felt sick at all when we were all sick Thursday. He won't slow down or admit to being sick unless he needs to go to the ER, basically. LM was down for a day and dh felt kind of "meh" for two days. I had a 24 hour bout where I just felt terrible unless I was laying down.

I am hoping this does mean we are just fighting off this and that and that no one gets stuck with anything more nasty. *fingers crossed*

**Year of 10 is shaping up to be pretty darn nice for Big Monkey. !! He got invited to take some college courses this summer at the local State University. The classes are offered for 4th - 9th graders. Will have to pay some money, but I think this program will likely afford other leads and opportunities. So I am stoked. The 4th grade classes are pretty pared down and probably don't amount to much. They all run one week and is nice because won't interfere with his Europe trip. The older kids are offered 3-5 week courses AND get college credits. How sweet is that?

Offerings like engineering and robotics will entice Big Monkey. I was excited to see lots of art classes - that would entice Little Monkey when he is of age (I see no reason why he won't also be invited, when he is also in 4th grade).

They do have to take a test to see which classes they are eligible for - I am sure that means more for some of the higher math classes and such. BM LOVES math, but seems we have plenty of other resources to challenge him on that end. I'd think the robotics type stuff would be more enriching. But, who knows. If he wants to take some higher level math class, then whatever makes him happy.

Some days I feel that Big Monkey is extraordinarily charmed. He will have quite the enriching summer, it seems.

YUM!

This cookbook is going to save us a fortune in eating well:

The Indian Slow Cooker: 50 Healthy, Easy, Authentic Recipes

http://www.amazon.com/Indian-Slow-Cooker-Healthy-Authentic/d...

**THANKS to Thriftorama, who recommended it!**

Last night we had black lentils:

http://www.mensfitness.com/nutrition/healthy-recipes-0/recip...

{Beware - this is a spicy dish}.

Served on rice and garnished with finely chopped onions. SO GOOD!!

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It's interesting, because we eat a diet heavy in onions and garlic, and peppers (probably more mexican inspired, usually, when it comes to home cooking skills). But all these Indian dishes are really heavy on the garlic and onions, and peppers - just prepared in an entirely different manner. No wonder we like so much.

Dh scored spices for 70 cents, at Target. HE noticed quite by accident.

Since we *just* had a new Indian grocer open up real close, we are getting most the Indian spices and lentils very cheaply there. So, what I thought might be a bit of a luxury is actually decreasing our grocery bill. I likey!!

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In other news, dh told me he got all kind of deals at Target yesterday. I am too busy with work to detail any of it or figure it all out. I think there was $5 off for buying pet products (cat litter and cat food).

$5 off some blu rays, too.

Dh also told me that he can no longer keep the grocery runs at $100+ (for gas rewards) if we are going to be eating all these Indian dishes. Oh well!! I think we come out farther ahead with the lower grocery bills. I don't think he hit $100 at all this year. Another big part of that is they changed up their rewards. Which made me anxious at first, but we seem to be benefiting us - working in our favor. The gas coupons usually amount to about $8 of gas saving a month, but obviously we are saving far more than $8 on groceries. So I can appreciate the bigger picture.

**I haven' given up sales tax tracking. It got a little crazy last weekend and I am sure I missed some things (I was not sure of tax rate where we were - though can look up - and dining out receipts never seem to have any details but the total).

For the week, there was about $100 spent on groceries, and $0 taxes paid. This means $100 spent on food; no alcohol or soda.

I have been advised to track my household spending separate from groceries, but have never bothered because we just don't spend that much on misc. Not worth the hassle. We have one budget for all of the above, and we have no problems sticking to it. In January I believe the only thing non-food we bought was cat food and cat litter. The pet stuff may be worth separating out. But again, we have one budget and stick to it, so is all that really matters. I certainly don't have to manage my toiletry budget since it is generally pennies. Looking at all the $0-tax receipts reaffirms this. You see why don't bother to comb through the receipts and classify the groceries from the non-groceries.

I'd do it if I found it useful at all.

**Onto the gloves. With my newfound "cold weather" knowledge, I experimented with wearing gloves around the house yesterday. I do not have appropriate gloves for wearing around the house (preferably fingerless) but was experimenting and very pleased with the results. I could see using for driving, work (the heat in my office is currently busted), veggy reading/computing/TV watching at home. If I am up and about I don't have any trouble keeping warm - so not like I Will be wearing gloves to cook and clean and to do anything active.

The results?? I left the heat off all day. I generally turn it on in the morning to warm up the house a bit and then turn it off when I leave for work. It's not like I get much benefit in the morning, but I get some, and I know if I warm up the house first no one will touch it while I am at work. So I did do that. I don't remember when or why I turned it off - maybe out of habit. Dh and BM were out of the house all day. I experimented and felt quite comfortable. Left the house around 3pm, and when we got home closer to 7pm the first thing I did was eat some ice cream. I did not put on gloves. Dh went over to turn on the heat.

I said, "Did you turn on the heat!?! OMG!!" To which I think I startled him quite a bit. LOL. I said, "Don't get me wrong - turn on the heat all you want. But seriously, YOU just turned on the heat before *I* did!"

I wouldn't have turned it on last night.

So, that is that. I will no longer be the cold weather whimp in this house. & I will chide dh a bit because trust me, he has chided me for using a lot of heat.

----------------------------------------------------

After a long day, the kids and I spent $11 eating out last night (Burger King). I used to like their shakes, but have taken to just getting their sundaes because they cost about 25% as much. Maybe not as big, but I don't need a big shake anyway. Dh did not want to partake, so saved us. I was very much in an "Eating out" mood, combined with a "We have no money to spend on any real eating out." So when dh said he didn't want to eat out, made it easy. A compromise might have been to pick up something hot at the grocery store (is lazy and all that, but FAR cheaper than feeding 4 of us out).

I also did some Amazon shopping yesterday. I had a $25 gift card so only spent $13 of my own money.

I did buy gloves. Will consider them a free gift (gift card was a Christmas gift), and I added a cute hat to my wish list for next Christmas/birthday season. One I could wear around the house.

I have had some nice peelers on my wish list for a while, and MIL commented just last weekend how sucky our peelers are. I Said, "That's why they are on my wish list." Anyway, since I needed to spend a little more for the free shipping, I just bought the peelers. About $10. I am sure they would have shown up as a gift next year, but was the perfect useful "rather not pay as much in shipping" purchase.

----------------------------------------------------

The other thing I bought on Amazon was a mop.

Firstly, I had bookmarked this article because was interesting:

http://thehappiestmom.com/10-upgrades-to-make-cleaning-house...

I can't say I felt the need to buy most these products. BUT I am stuck on mops, and appreciated the mop recommendation:

http://www.amazon.com/gp/product/B003NYFDWK/ref=as_li_qf_sp_...

I'd been meaning to get around to using my Amazon credit to just buy the thing. But once I got down to it I found something that I think will work better for me:

http://www.amazon.com/MopAway-MOPAWAYFLAT-Chenille-Microfibe...

& I know, I should have asked for suggestions here before I bought anything.

My general feeling is to not use disposable products while cleaning. I am not much of a neat freak (in fact, I am the anti neat-freak). This means that the only way I clean my floors is on my hands and knees. Seriously. Which runs totally counter to my non-neat-freak stand, sounds like. Anyway, scrubbing floors on my hands and knees is totally fine for the bathrooms, and will still continue to do, because they are small squares. BUT I seriously need a better solution for our kitchen.

The mop I bought is a non-disposable solution that does not even use any chemicals. Only water needed. Considering I don't remember the last time I scrubbed the entire kitchen floor (just been spot cleaning), this will be a huge improvement. It sounds too good to be true, but am willing to give it a try.

I'll clean more with better tools. Is long past time I figured out a GOOD mop solution.

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We ended robot season yesterday with the Northern California Championship. We lucked out as it was right down the street from our house. !! So I drove back and forth a bit yesterday to catch the highlights, but also had plenty of time to veg at home. The kids did totally awesome for their first season.

I am honestly surprised they achieved anything - a group of VERY high-energy children that get easily distracted. LOL. My own child is a high energy NERD. & this is what this group was heavily compromised of. This means they had the brains and focus to do quite well (many of these kids could sit quietly and read or study all day if they were alone), but they also would have been just as happy to go outside and play tackle football. Which is about what they did most of yesterday. Just with the energy and makeup of that group. But anyway, it is nice to see that they were able to focus and achieve something, somewhere along the line.

Aren't the lego trophies cute?

Even better at home:



I picked up some mini bagels, chive cream cheese, smoked salmon, and red onions at the store. I already had capers at home.

{I looked for caper berries but could not find. We had some in Pismo at a fancy Italian restaurant. Served warm. YUM! We were like, "What is this?" I thought of it since was thinking of capers}.

So anyway, toasted the bagels and served up last night when I got home (the rest had already eaten dinner). The kids LOVED it. Dh is not a salmon fan so I told him it probably works with salami too. He thought it was okay with salami.

While at the store, BM asked for jello. He also asked for those pre-made lunches. Forget what they are called. Yuck!! I told him we could have all of the above but is far cheaper to put together ourselves. Which was why I was at the store at the first place - putting together my gourmet bagels.

So we went over to the jello mix aisle and they had jello mix on clearance for 50 cents. Score!

I spent $13 on ingredients, to recreate a "meal for one" that cost $20+. This was a meal for 4, easily. The salmon lasted 5 minutes, but plenty bagels and cream cheese and onions remain.

I was experimenting because was thinking of serving these bagels when we host the next get together. BUT, I think it is too complicated. The bagles have to be warm, and yadda yadda. I think we will come up with something much easier. & lord knows most the women would not touch the cream cheese or the bagels. But in turn, these are good foods for my "high caloric needs" children. But yeah, will work on other menu items for the party.

I know some of you are probably so sick of hearing about Mr. Money Mustache. !!

Anyway, had an article that I think a few SA-ers would enjoy. It is about reducing energy costs. IT was a guest post, actually.

http://www.mrmoneymustache.com/2013/02/01/the-oil-well-you-c...

Anyway, I think regionally we tend to be extremely frugal with our energy usage. Part of it is living in an efficient house. The other part is not believing in leaving the house the same temp 24/7 all year (which seems incredibly common).

I think living in a warmer climate, I was reluctant to do much more though. Keep the house colder inside than outside? Not really logical, know what I mean?

BUT, over the years I have been working on acclimation. I know it's very possible, because living in far less energy efficient homes over the years, and with very frugal parents, I am not accustomed to heat at night. In fact, I can't sleep if it is too warm. So I really do think you just get used to what you get used to.

Likewise, we didn't grow up in such a hot climate, so setting the AC anything below 80 sounds CRAZY to me (during summer). Can we just be happy that it is 30 degrees cooler inside than outside? When I was a child hot days were rare, there was no AC, and we just sweated it out. My mom is reluctant to move up here because of the heat. She doesn't deal well with it. I always tell her she should move up here because it's like living in a fridge. The AC is cranked up so much *everywhere.* At home, it's leave the AC house to the AC car to the AC office to the AC store. Know what I mean? I don't even have a summer wardrobe, really. I am usually wearing sweaters to work so I don't freeze, because still not used to this AC culture. I agree the AC is needed for basic survival, here. But I think most of us would survive at 90F and be quite comfortable at 80F. I don't know why I have to bring sweaters everywhere when it is 110F outside, so I don't completely freeze inside wherever I am. Our culture is just so ridiculously wasteful.

Anyway, on the heat, every single year we seem to improve on the last, as we work on acclimation. I don't have anything working against me except my self. The boys in my house do not use the heat much. So, I am the only one working on acclimation. (They do tend to use the AC more than I - I could live with it a little warmer than them - so evens out I guess).

I've had my eyes on some fingerless gloves. I've got gloves, but I think the fingerless variety would be nice around the house. I turned up the heat the other day because I just could not get my HANDS warm.

SO, I saw this article and found it kind of fascinating. Apparently muscle generates a lot of heat. & females lose heat in their hands and feet faster. It REALLY clicked for me. So I think investing in some gloves could go a long way for me - warm hands probably could mean lower energy bills. By a LOT I am guessing. {I also never thought anything about wearing a hat inside, but is also something to consider}.

I have a better understanding of my children. They are all muscle/no fat (just how they are) and they are like little furnaces. Sometime I will sneak a blanket on them in the middle of the night (because I presume they are half as cold as I would be) and then you know, they wake up drenched in sweat. I have since learned to let them monitor their own body temp. I can't say other people (teachers, etc.) have learned. We are the weirdos who send the kids to school without jackets. There is every so often a tale where a well meaning teacher made them wear a jacket - I am sure not necessary in the least. I figure where we live - it's not like it's the end of the world to not wear a sweater. They are fine. So I call them little furnaces. Very true. The article above said that muscle was more efficient at keeping you warm, than fat. I totally *get* it. I think just being female would make me less efficient - as females have higher body fat in general. This explains a lot in my house.

Now I am off to find some hand warmers.

**The upside to the spendy January is I was able to redeem another $50 credit card rewards to my ROTH. Don't expect to do that too often this year. This card mostly pays for Health Insurance, some utilities, and miscellaneous. (Might average $50 every other month, for most the year).

My parking ticket contributed $1.20 to this bounty. I can look on the bright side.

**Right after I last posted, I got an e-mail that my new AmEx bill was ready. I marveled how it was only $500 when I realized it closed on the 4th as I had originally asked. ??? I am not sure if this is the new closing date - my online login says it isn't. But it's a little too coincidental, so maybe it is. Will save me an e-mail. !!

Thank goodness, because I still squeaked by about how I thought we would. I don't think we bought anything this week, so not like it helped me much to close early. BUT very happy to have all the credit cards on a calendar month. The 4-card system is MUCH easier than it sounds. But it is a must that they all just be on a calendar month. Then I pay the little ones off the first of the month and the bigger ones the middle of the month. It just works; not much to think about. Easier than I Expected. This one card is new and they would only move up the date a few days at a time - I figured I'd get it straightened out eventually.

This month they are all BIG, except Target was only $100 for Groceries. The new AmEx actually was small enough at $500 - I may just pay it this week. Gas/Groceries for 3 weeks or so. The visa had all sorts of insurance, school lunch for 6 months, so was large. Usually it is only $200 for some utilities.

**Out of ALL The credit card rewards I have done, this AmEx Blue is the only one that makes you wait a full extra cycle to calculate and redeem rewards. So I need to go through and double check their calculations. Is not a big deal with Quicken - I just pull a report and check their gas and groceries category matches my records.

Since I had asked them to move up the cycle a few days, they gave me a two month cycle to do so. SO, I *finally* got about $75 rewards with this last statement. Rewards I earned in Nov. and Dec. I can not redeem quite yet, but hoping tomorrow.

I haven't given it *any* thought. The other AmEx rewards go to the ROTH because that is the only way I can redeem that reward. SO, I am thinking of just automatically putting all these rewards to my mortgage. In fact, I should also match the ROTH rewards into the mortgage. It's not like we need these to max out our ROTHs - will do it anyway. But this may be a solid $800 extra to our mortgage this year, if I match the other AmEx rewards into the mortgage.

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As for one-time rewards, haven't seen anything terribly enticing, and giving the credit a bit of a break.

Reminds me, I don't know what the heck list dh got on. We got some weird "Borrow $6,000" offer that looked payday loan-ish. Never got an offer like that before???

& I swear Citi has been sending him a 0% balance transfer offer every single freaking day. They still hate me. I could double dip on the Citi, but they so did not seem to want my business last time, and never send me any good offers. No idea how I got on their bad list, and how dh got on their good list. So, I have been kind of saving that double dip for WAY last. But anyway, I don't know what their angle is. If they send this balance offer 20 times in one month, we will cave and say yes? We have no balances to transfer, so besides looking closer the first one or two or three times to see if there was any other rewards offer, it just goes immediately to the shred pile.

**My dh was right - can renew library books 3 times. I was surprised - I don't tend to renew. If I seek out a book I generally read it through right away, or I decide not to bother. But I am reading a book to the kids and is taking *forever.* Not sure if we will finish but can always re-check-out.

**Our neighbors had an oyster party for Superbowl. I can say I tried it, but can't say I see the draw. These oysters are legendary, but I think with the Superbowl and all the oyster converts, they were happy to just eat them raw. The stories I had heard were about the BBQ variety. Apparently winter oysters are the best - they were delivered straight from the ocean. So, that was interesting.

**Dh went to a Superbowl party about 45 minutes away. One of his script writing friends was visiting from LA and so he wanted to put in some face time (they have been working together through skype). I had already grasped that the guy's family had money, but they apparently moved recently. Dh said, "OMG - you need to look up what they paid for their house," when he got home. I said, "It's probably not that exciting, they live in the middle of nowhere." But we were still both surprised when we looked it up. There were listing pictures online so I got a feel for the Estate. Is about 3 or 4 acres, rather isolated, with a lake view. (It doesn't matter what kind of home is on the property - that is some serious acreage with California land prices. But it was a very large, by CA standards, 3000 liveable square feet). The value of the home? $600,000. That's it. My feeling was, "Holy Crap, that is a lot of house/land for $600k." Dh said, "That's it!?!" Financial wise, not terribly impressive. They could have bought a home in the 1980s very modestly and just made a lateral move to this place in the middle of nowhere. IT speaks nothing to big incomes. I suppose kind of like our own experience - trading a condo for a more luxurious home in a cheaper city. People always guess we are far richer and we paid far more than we did. I believe they are from the Bay Area as well, where $600k might buy you a starter home if you are lucky.

We were just having a long talk about where and how we may downsize in the long-term future. So I think this was a good example for dh. I told him, "See - exactly what I was talking about!" If we are retired and don't need to be near lots of employment, it seems there are many cheaper havens that aren't much farther out. Some are closer to the Bay Area. Some are closer to Tahoe. We would not be buying several acres - our plan is to downsize into a condo. Though I doubt this town has condos, at those land prices, they'd probably be priced about $50k. Maybe lower...

It boggles my mind that real estate this "cheap" exists in pockets of "insane expensive" real estate. Dh's family owns a cabin not far from this place dh asked me to look up - I have always been surprised how little that is valued at, considering the location.

Mr. Money Mustache has also talked extensively about this:

http://www.mrmoneymustache.com/2012/12/26/cure-yourself-of-t...

It is amazing sometimes the reasons why people are willing to pay a small fortune for a house. Dh and I have always been the "Dig a little deeper for the substance" types, so has boded very well for us when it comes to real estate. Whether we made such a drastic low-cost-of-living move or not really doesn't matter. We always have a knack of seeking out a deal on a property - something the herd has overlooked for some illogical reason. Just as an example, when we bought our first home, all I heard was we would be in an insane bidding war and to expect to have to offer six figures above asking price to get a foot in the door. This was not our experience in the slightest. We bought an updated to the hilt/move-in ready home. WE were the only ones putting in an offer. We had more than 5 minutes to think about it. It was a sellers market and we moved fast - but we had the luxury to sleep on it, at least! Our current home - people turn up their noses at our school district. Our kids attend the most AMAZING school just a few blocks from our home. We bought because we were willing to seek out the infinite public options in the big city. Just turns out we didn't have to. To this day I still get comments about our school district. Frankly, I don't think we could have bought a better education - I have no idea how to improve on our kids' K-8 school. My older child has basically had a custom education, at a PUBLIC school. Thanks to technology and the amazing administration and teachers. We also saved a fortune by buying on the outside of a gated community (did not personally see the draw or $$$$$ of buying inside the gates - and can attest many years later the gates add not real security - if anything those larger hoity toity homes are targeted far more for theft - probably takes the bullseye off of us entirely). We also went with a non-name-brand builder, so saved a fortune there. Stuff like that. It all adds up and up and up!

Our strategy for our next home (when kids are done with school) is to ditch the land (I've seen very large and nice condos for $100k-ish), and if retirement ready, to ditch the city. We still want to be relatively close to our parents and kids and the city. But can certainly go for the low prices 45 minutes out if we are no longer commuting on a daily basis.

It's tricky. It is not as simple as "anything further out is cheaper." This is actually largely not true (that further out is cheaper) because we live between so many "more deireable areas." But there are definitely some hidden frugal gems - we've got a good decade to seek them out. {& frankly, staying put may be most cost effective - for whatever reason I feel the city we live in now is far overlooked and under-valued, maybe being in close proximity to so many highly sought out cities}. I am not going to move somewhere just because it is cheaper - I want to know the "why" - we may even rent a place in the interim to see how we feel about the place - stuff like that - we will be digging deep and doing our research.

**I am so happy to be home. We had a nice/relaxing weekend, and I think dh had a GREAT time (I think he appreciates breaks like this more, being with the kids every day). BUT, I slept terrible, and killed my back staying up last night to watch a movie on their small TV/uncomfortable couch. I told dh, "I know this place is fancy schmanzy, but I like our home MUCH better!!" We certainly have a much nicer TV and a much nicer bed and couch!

So, I am personally just glad to be home.

WE did soak in the hot tub this morning, and my back does feel much better.



Last time we went to Napa, we gave it a try and saw the sights and did the wine tasting. This time the location was just chosen for the last minute vacancy. We decided to stay in and relax. That we succeeded with. I think dh's mom was appalled that we did stay in and did a take and bake pizza. LOL. Frankly, nothing appealed to us about going out and spending a ton of money. We did order some room service, the take and bake pizza our local grocery store does is A+, and we went out for an excellent Greek lunch. So, certainly no complaints from us. Since she did slip us $60 (I suppose was for dinner?), I don't think we will spend any of our own money for this trip. At least the vacation budget will remain intact for *this* weekend. Phew!! {We did have to pay $10 for the room - for whatever reason - it has been $0 generally lately when we use their timeshare points}.

We also did go walking for a couple of hours - bird watching by the marsh. There was absolutely no one there; I only wish we had thought to bring binoculars. But still saw plenty of beautiful birds, and enjoyed the peacefulness.





Weather was pretty nice, but not as warm as expected. I still broke out the flip flops and worked on my tan a bit.

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Room service: I had to order again because last time we were in a splurgey mood and ordered smoked salmon, toasted bagel, chive cream cheese, red onions and capers. So we ordered again this time, but I think what I should do is just re-create this at home. YUM!! We are entertaining in a few weeks, and will have to remember this. I wrote it down so I do not forget.

While at the store picking up our pizza, I also noticed ranch/carrot packaging with sunflower seeds. I had never thought of that. I just picked it up because it looked tasty, but we always have these ingredients on hand at home. So I will have to remember this next time we entertain, too. Or to keep on hand for the kids.

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In other news, we went to San Francisco twice last month, AND my friend just bought a home in San Francisco. !! That is another post for another day. But looks like I may be going back in a couple of weeks to see her new place.

{Short version - paid $500k+ to own 1/4 of a home/four-plex kind of thing. She will probably fare better than most the locals who can't hang onto their $100k-$300k homes. So though it sounds kind of crazy insane to me, I am also not too worried about her finances. Just because she is crazy insane frugal, and I do think her parents would help her if she lost her job or anything like that}.

SO, I looked up once again into getting an electronic toll tag, and for the first time it actually makes some financial sense. In fact, I almost got one for each car before I read that it had to be used at least once a year. Unlikely with our van, as we try to drive the gas sipper for longer trips and especially for big city parking. SO, we decided to just get one. The fine print on the toll tag said we could switch it between cars. So, PHEW! That is PERFECT!! {THey did not say this so much on website, as they prefer you do not switch it. But for once in a blue moon, makes me very happy. Now I just have to remember. !!}.

This is kind of significant to me, because when we moved here, one thing I felt like was that we were not much farther out from San Francisco. BUT, in the end we never go (directly from home) because the bridge is such a nightmare. So, I am so happy to erase that part as a downside to our low-cost-of-living move. No more waiting hours just to get past the toll booths. WOOHOO!!

Spondulicks/Paulette posted some recipes that looked tasty. I printed them out and put them with our recipes but never said anything to dh. I would have said, "These look good, we should try some time." But he interpreted as, "I want you to make these now."

So, I came home to skillet chicken dijon. YUM!.

I had to share because though my dh is a very skilled cook (& I am not half bad), my 7yo exclaimed, "This chicken is so juicy!" HE later exclaimed, "This is so well done!" Meaning, done well.

So, thanks Paulette - the 7yo approves. We all thought it was tasty. Reminds me we should probably make our citrus chicken - has been a while. Another juicy chicken recipe.

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Today was deadline day and I just squeaked by. 1099s and W-2s are done for all my clients. Don't have the tax forms/software updates to do any tax returns. But no matter since I have the weekend off.

I finished the kids' returns a couple of weeks ago - may be able to file tomorrow. They had some capital gains so I always have to file when they sell investments. I am hoping we get our software updated tomorrow so I can file those and be done.

Last I looked my tax due dropped by $300 and I have *no idea why.* I think the software had just assumed tax rates (pre-12/31), which seemed to be about spot on. So, I am not quite sure what changed. But can't remember if I mentioned, looks like we will only owe $600 instead of $900. Woohoo. {I did change my withholding to more breakeven, but it's hard to say. We got some big refunds for 2010 with all the medical bills. But I don't want to potentially owe more than $1k next year with lower mortgage interest, less medical deductions, and such. Deductions can be somewhat unpredictable. I can always pre-pay some property taxes or make a tax donation though to help manage less deductions the next couple of years. But I also think it is good to get used to more withholding}.

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I can relate with Thrifty Ray. Dh really wanted to go away for a weekend, but this week has been brutal. I spent the evening cleaning house and grumbling under my breath a bit. I will need a vacation after this week. Cleaning house because in-laws will be staying with the kids here. Which has taken most the fun out of it for me. I don't generally clean house before we vacation, otherwise.

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We haven't spent enough money this month apparently. Taking cat to vet tomorrow - she has been sick. Was going to wait until next week. She has been messing all over the house which also means many hours cleaning up. Considering I usually don't spend much time cleaning and I HATE cleaning, has made me grumpy.

But, the weather looks to be GORGEOUS this weekend. Holing up inside and being totally lazy will probably be supplemented with some fresh air/sun/hiking, after all.

I have been on a "good weather" vacation streak FOR SURE!!

I can't believe January is almost over. Total insanity!!

**Today I tackled the chore of closing an old Ally account. I believe I was keeping it because it was a money market account with checks, but I probably haven't written a check from it in several years. Easier just to close it and be done. I have another Ally account, so this is just some housekeeping and consolidation/simplifying.

I unfortunately need *two* savings accounts at each of my credit unions. That is the one annoying thing about CUs. BUT, the minimum for both is like $1/no fees ever. So, this only leaves me one for-profit bank to keep an eye on with minimums and fees and such. Not that I don't have to read all the CU Fine print - but I am definitely more lax with the CUs.

Anyway, because I started with a MM Ally account and then eventually moved most of it to another type account, I had two savings accounts with each financial institution I bank with. But as of today, that is no more. Phew!

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**Blockbuster is closing their local store. Dh is very bummed about that. I wonder if this means we can just go 100% to netflix. {We get several benefits with BB having been grandfathered forever ago, but most those benefits have to do with being able to pick up videos and games in store, any time. Very convenient. We just do this + Netflix streaming}. I know before that Netflix charged more for Blu Rays, which was a deal breaker. But, I think it will be cheaper and most our BB perks are to vanish in the next month or so.

Well, will have to discuss with dh. Plus, we picked up a pile of dirt cheap movies last time another store closed and they were selling off inventory at our location. So, this will be a good money-making opportunity if is like last time (buy dirt cheap to sell on Amazon).

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**That reminds me, will have to update my snowflake page for this month. Of note, got a $16-off coupon for our grocery store (new rewards program) and received $68 credit from CU Visa (1% of 2012 purchase).

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**My Money Blog and Mr. Money Mustache both had good posts today (or last night?). I am far too lazy to link, but see the links on my sidebar to their respective blogs...

MMB was about indexes beating hedge funds and MMM was just the usual.

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**SO, my 9yo has never had a security blanket, but he is in love with his sleeping bag. We were watching a TV show the other night where this person was like wearing a sleeping bag? Dh and I both look at each other and were like, "Um, is she wearing a sleeping bag!?!" We both immediately thought of BM.

Poler sells one of these beauties (called a Napsack). It is only $130. The child size is $69, but would maybe fit my eldest for about 5 minutes. IF that. Today I saw another type for $50 on Amazon - bigger kids sizes.

The napsack is basically a sleeping bag with arm holes (that zip up), a hood for your head, and a drawstring for the bottom. We considered getting the $69 version as I don't think drawstringing the bottom really means much if you just want to wear it around the house. The other version was like a giant onesie - LOL. It needs one improvement - zippered feet - then maybe I would be sold. $50 kid sized on Amazon. Is totally fine around the house, so might get, but doesn't make a lot of sense to walk around outside while camping and get mud/dirt on the bottom of your "sleeping bag."

The kids both need new sleeping bags, so I'd consider the $130 ones. BUT, BM is hard on his stuff, so I don't know.

I hope these take off, because I want more choices. But, it is so "OMG MADE for my son" that we will probably just buy one. His birthday is in July - it will not be a useful post-annual-camping trip or summer gift. We don't buy the kids much, so I don't mind a splurge.

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If you are easily offended you should sign off now. BUT OMG - dh was showing me this video and it is hilarious. (Lots of F Bombs, and other assorted words).

I can't resist sharing it because it is a pro thrift shop/frugal song. But you have been forewarned:

http://www.youtube.com/watch?v=QK8mJJJvaes

As vulgar as this song is, they have a really beautiful pro-gay song too. I think it is called "Same Love." These two videos/songs are kind of polar opposite - but both rooted in some basic common sense, which is why my dh was really digging them.

**Got the kids' passports submitted, finally. A VERY painful process...

As of right now, LM is no longer going on the trip. Will see...

We saw a Ted Talk about War Horse last night (& also saw it mentioned in the blogs). I will send the link to MIL if they have time for a show while in London.

Overall, they have a timeshare place (of course), are using miles for flight, and I believe a lot of the museums there are free. So, is not near as expensive as it sounds, that is for sure. MIL did not say it had to be frugal, but I think she is pleased with the choice. & I am sure there will be PLENTY to spend money on.

**Work/Vacation - Trying to do both**

**Today we see Thrilling Adventure Hour in San Francisco. Any other time we may have made a weekend of it, but I will probably work all day today and tomorrow. I told dh we could go, if we drive straight there and back. But we may have a quick dinner there, just due to the timing. Nothing fancy. Maybe even Taco Bell. I was not sure how this weekend would pan out - and it did not pan out good. Will try to work from home tomorrow. At least I feel it is feasible to meet all my deadlines, even taking time out for several hours today.

**Next weekend is historically "carpet cleaning" for our office. Post 1/31 deadlines, but pre-tax appointments. SO, I told dh we could go away for his birthday, but had to be next weekend. (His birthday was last weekend).

He never made the arrangements, until I told him nevermind, I would figure it out while at work Saturday. At which point he decided to get it done. Glad he did, because sounds like he was on the phone a while. There was nothing anywhere along the coast on such short notice, and so all they had was Napa. I was pushing something a little closer to the Bay Area - just a quiet hotel to unwind all weekend - if we couldn't be near the beach then I didn't care if it was down the street from our house honestly! BUT, Napa came up as the only vacancy. Why Napa? Lord knows. So, we will stay at the same place we stayed last time. It was REALLY NICE. We will stay put and not go anywhere, for sure. That is what we should have done last time (not big wine drinkers). The timeshare stay is free - we will probably order in pizza. Or maybe get some groceries if we stay in - is a nice condo. Reminds we should just grab a take and bake pizza when we leave - even cheaper - our grocery store pizzas are A+. I told dh we could go away, but didn't want to spend money. Especially with the show tickets we bought for today.

I am hoping after next weekend to feel VERY refreshed to tackle the rest of tax season. It won't be May until I can get another weekend off.

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**My dad has offered to give us one of his older keyboards (music). We were thinking of buying one for LM, so this works nice. I believe I will buy a stand for it (will look for something used). I also have some Amazon credit I can use for that. It has all the midi sounds and yadda yadda. We already have a piano. But I am sure we will eventually get a sound studio of sorts with LM's musical passions.

I have a tuner that I have had since sometime in my teenaged/childhood years. It is the one we use in our main living area for stereo/MP3 players and such. The speakers too (they are awesome). So, dh is salivating at moving that old tuner with the keyboard and buying a new tuner. He found one for $250. I don't know when he is going to buy it - not sure when we will pick up the keyboard.

Dh has an office that is mostly unused. It is a place to hoard his junk. I am thrilled he seems motivated to go through some of the junk, to turn the room into a music room. {I went into major decluttering mode while pregnant, between nesting and being displaced from my office - and with my ebook and MP3 player - I don't really own a lot of stuff any more. Mostly "electronic/doesn't take up space" stuff}. Dh has always been a movie and music collector - always will be. Electronic quality just isn't good enough for him. I have no doubt he has tons of junk he could get rid of though. Like the boxes in his office that haven't been opened. Fair enough - all his blu rays and CDs he actually uses on a regular basis. But I think there is some "haven't looked at it in 10 years" stuff to go through...

He was using his office for editing when the kids were younger, but now does that all downstairs at night or while the kids are at school. He's got some really old music equipment, and a bunch of video game systems in there. We are also storing are "on the fritz" TV in there while we decide what to do with it - but it would fit in our giant closet.

My old desk (solid oak - very nice) is in there unused. I think we could probably give it to LM.

I'd like to eventually buy a drum set for the music room. Dh already has the guitars and amps - we could be quite a band. We are pretty passionate about music - but has been really on the back burner for us lately. But LM in particular is very musical, so we are excited for this music room project. (& who knows, maybe my dad will be in a big drum upgrade mood at some point - I should ask him about that... Overall, my dad is a "keep it forever" type, so won't hold my breath. This keyboard is totally ancient that he is "letting us borrow.")

Music room - was always sort of the plan. Just hadn't got to that yet. But I think before we weren't sure exactly *where.* So far we are starting with a $250 tuner investment, and using what we have and hand-me-downs. This is always how we approach things. Eventually may be a full sound studio, but since I would like to stay out of debt, it will start small and improve over time.

Advertisements often amuse me. The latest is flyer someone left on our door. I have often mentioned most people assume our mortgage is like twice what it is - stuff like that. To be fair, the foreclosure rate is sky high in our neighborhood.

**You may have enough equity now to refinance! Home values are skyrocketing!

**Get rid of that expensive loan with mortgage insurance

{Do most people really have mortgage insurance these days?}

**The payment on a $400,000 loan at 5.5% is $2,271 per month, whereas the payment would be lowered to $1,796 at a rate of 3.5% -- a savings of $475 per month!!!

*choke choke* That's one hell of a mortgage! I think everyone around here with that kind of mortgage, has long ago lost their home to foreclosure. Very literally.

Well, at least didn't say anything about cash out refinance. If home values keep going up, those offers will come too...

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**We've got a washer problem. Clothes washer is leaking water (inside). We tried to narrow it down but it only leaks water when both the cold and the hot water is on. ?? We gathered it was good it did not leak when the water was turned off, but had no luck narrowing it down to one hose or the other.

I e-mailed neighbor handyman but he did not respond, so tomorrow dh will call someone I found on yelp. He was going to call Sears. I said, "Are you crazy? Let me talk to neighbor." Will still save a few bucks by not calling Sears. {I've had really good luck with yelp lately so am willing to risk it - maybe in the past we just went with the big guys - plus I haven't heard much good about Sears customer service lately - so they are far lower on my list these days than they were in the past. Last time we probably called them because was under warranty}.

Dh also told me we needed to spend about $70 to replace our phones. Landlines. I went on a tirade about our disposable society. Totally ridiculous - the batteries are dying. ANYWAY, dh is as cheap as they come, so I didn't expect him to tell me we had no choice unless we had no choice. So today he tells me he found batteries for $8. Seriously!?! I did not expect that in the least. Dh is slipping... & phew that not everything is so entirely disposable in this day and age. It's easy to believe and assume with how things are made these days. (We've got a wireless phone with 3 handsets which is very handy for the layout of our home. So we wanted to get something comparable if we replaced. Why it was $70... I don't think we have had our current set more than 5 years).

Mr. Money Mustache bared all - his spending for the past 3 years.

He spent about $24,000 last year (Family of 3 with a home in Colorado). Cutting all the fat could have easily lived on $14,000.

http://www.mrmoneymustache.com/2013/01/21/exposed-the-mmm-fa...

I can relate to Mr. MM. *Obviously* we don't live anywhere near this lean. On a scale of 1 - 10, MMM is maybe a 10. (Or an 11?) No doubt about it!! I am nowhere near a 10. BUT, I can still totally relate. I am used to people telling me that our lifestyle is impossible on my income. We are clearly on a continuum where we spend less money every single year. We will probably never live as extreme as MMM, but are generally headed in the same direction.

I share because anyone can learn from MMM and he gives us all a direction to strive for. Even if we only want to be 4, 5 or 6 on this scale. You don't have to be a 10 to see the benefits.

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Comparative notes on MMM's spending reveal:

Mortgage - we have a mortgage but no intention to keep one forever. Right now our mortgage runs us about $7,500 per year in mortgage interest. Not there yet, but eventually we will be down to $0.

**Plus, regionally, we have *always* kept our housing costs VERY low. Very key for living well while spending less.**

Property Taxes - As long as we don't buy up over time (lord knows we have no plans for that!), property taxes are actually pretty inexpensive in California. I Can compete with MMM here. In fact, the property taxes on our home are the same as they were on our last condo in more expensive city. (Value of both homes was the same, thought current home is far more luxurious). So basically, we have never "bought up" our property taxes, and no plans to in the future.

Food and Dining We are very much in line with MMM. I'd say we eat quite well, but eat the bulk of our meals at home. This was a habit we solidifed when my spouse was first laid off from his job (I was first pregnant). This has been REALLY key in living on a lower income. I have always been surprised how much we could stretch our budget by eating at home. We improve with time. We are always learning and getting more efficient. I expect the tides to turn at some point because I have 2 extremely high-metabolismed boys. Teenage years might be fun! But in the interim, we have improved every single year, for about a decade. Even adding two mouths to feed. We are just much more efficient than when we ever fed just us. (We used to probably eat out most the time - we worked long hours and both had a lot of meals provided by employers).

Healthcare - Healthcare is a financial beast for us. There is no comparison, but with our commitment to high quality healthcare and TRULY getting our money's worth the past few years, I don't have a lot of issue with this. We may always work more for good healthcare. & that is fine. We also just do not have the assets for a super high deductible plan. MMM and us live on two different planets when it comes to this area. {My spouse had brain surgery "out of nowhere" a couple of years back - so why we will always live on another planet - not sure my spouse could get any cheap insurance ever again, with the pre-existing}.

We could also maybe move to another state to lower our insurance premiums, but it's not quite that simple. Wages would also likely be lower. & we are fairly committed to staying put and being close to family. I will pay anything to stay close to my family. It's a deal breaker for us. For that, we will never be a 10, and I don't think everyone has to be a 10. I think my whole approach is to get all our other costs down so, "who cares about the beast? Will deal..."

Auto Our auto habits are somewhat in line with MMM. Buy inexpensive, used, fuel efficient vehicles in cash. We don't have a lot of auto expenses.

We are not DIY in this area, but having a trusted mechanic has always saved us a fortune. It's the next best thing when you can't/won't do it all yourself. For 2012, our spending was about the same as MMM, for example.

Gas - we are guilty on the gas. I have a commute and we *love* to travel by car. BUT, we don't have two commutes, and I could certainly see our gas usage going down considerably when I retire. I *get* it.

Auto insurance - oh, and auto insurance rates are totally insane in our city. That will be another fun one when it comes to teenaged boys! Not much we can do here - we already have inexpensive cars, no collision coverage on the old one, and "perfect" driving records and good credit scores. We've got the best rates we can get in this zip code.

Utilities MMM is good. His level of utility spending is about equal to the flat fee we get from our city and county for water/sewer/storm drainage. NOT going to happen for us. We keep our gas and electricity usage very low though. I know we are well below average. Having an energy efficient home is crucial. Having a fairly large home, people always assume our bills are insane. People have asked me if my gas bill is $300+ in winter months. We don't even pay that much for the WHOLE YEAR! We pay less utilities in our current home than we did in our last condo. The condo was not energy efficient in the least, though half the size with shared walls. Appearances can deceive. I know the questions to ask when we buy our next home.

cell and internet We pay large sums for these luxuries these days. This is not forever. We are seriously considering Ting for cell service eventually and internet offerings seem to improve with time. Waiting for more competition and options. My dh is always telling me about this or that - just waiting for when it is right for us. Just to say, just because I will pay a premium for something now doesn't mean I expect to pay it forever - we are always re-evaluating.

Home - Insurance and renovations. Insurance is a little pricer here, but not by a lot.

I would argue the love of the DIY could be a rather expensive hobby (versus always being painted as simply better and cheaper). We don't spend a lot on home maintenance. Our strategy had been to buy a new home that would not need much the first decade or so of home ownership. Likewise, our first home and our next home will be a condo. LOW maintenance. There are certainly other strategies if you don't love going to Home Depot all the time.

Speaking of DIY, clearly we do the tax and financial DIY (another area where people spend a LOT of money). MMM is a jack of all trades. We are not, but we have plenty of major cost-saving skills. My dh is very good with the IT/computer stuff. I am musical and financial and tax savvy. Can always barter tax skills, computer skills, piano lessons, etc. I find our skills quite useful.

Travel - We don't spend much more on travel. I know MMM is a 10, but we do *plenty* without spending much money. Our vacation spending is comparable.

Other/Misc - Our spending is also pretty comparable. We are not big on the retail.

There are some glaring differences in our spending habits:

Insurance - MMM does not spend money on disability or life insurance. Understandable - I also will not bother when I reach his level of net worth.

Luxuries - I am willing to spend money on a few luxuries that I probably would not bother with as much if I were not working full-time. My luxuries are my $15 gym membership and $80/month to never have to do anything with the yard. (I mentioned we will eventually retire to a condo, to eliminate all yard concerns and costs). A gym membership would not matter so much if I could work out *any time.* I like to use for the dark and cold/hot hours. Is obviously a very small splurge. I don't see my dh giving up his internet and cell phone, BUT, like I said we are always keeping our ears open for alternatives. We kind of allow ourseleves a couple of regular luxuries here and there. OF course, do did MMM with some of his other costs.

Other Notes:

--MM probably easily pays no income taxes. We are in a similar boat. We don't pay a lot of income taxes with the decision to live on one income. But I do pay a fair amount of payroll taxes, working. (Which is not *all bad* as provides social insurance like state disability for me and social security for the both of us). But, yes, the "no income tax" thing is very relateable when you are willing to raise a family on one income.

--Debt - no debt payments were mentioned aside from mortgage - neither of our budgets have other debt payments.

--Daycare - MMM's kid goes to public school, of course. Public school + parents at home means little need for childcare. We are fairly committed to a public school education, not having MMM's financial resources.

So, there you have it. I think no matter where we all are on our financial journey, there is something to be learned. My approach is very "one thing at a time" but I feel like there is certainly always room for improvement in our spending. That is what I am always striving for and why I am here. The more efficient I am, the more I can do with my money. & that feeling is AWESOME.

P.S. My dad is a LOT like MMM, so where I got a lot of frugal habits. Funny enough, he would never hire anyone to do *anything,* and I do not think that is always a good thing. Thus, I am a lot more laid back about paying people to do things "right" once in a while. But I am sure my parents easily survived on $15k last year and spent another $10k on hobbies and travel - something like that. It doesn't strike me as weird or impossible. They paid off their home a long time ago and barely put any mileage on their cars. Besides food and utilities, what else do they really need? Apparently not much.