Whew! What a week! We've been very "On the Go" and/or just a lot of stuff going on.

The older child made it to London, with the Grandparents.

For those who missed it, MIL has been planning this trip like her whole life. She was going on and on about this when I was pregnant with her first Grandchild. She wants to take all her Grandkids "anywhere they choose" on their 10th birthdays. So, BM is the eldest Grandchild, and she is now realizing her big dream. (& she will be busy traveling the next few years, with all the Grandkids so close in age).

Interestingly, for as much as they love to travel, they have never been to Europe before??

Thank Goodness for skype! Actually, he is very mature and adventurous and I am sure he would have been just fine. & it's been so busy here that I have barely had time to miss him. BUT, since we do have skype, he's skyped us about 10 times already, and that is nice too.

**I've made good progress on the kitchen. It's all cleaned out and decluttered.

I've got some more work on the downstairs, but not a lot. (So much for finishing in June. HA! Was felled by illness, and then by heat. Thankfully it cooled off here after the 4th).

I am not planning to move to the upstairs decluttering until fall, so I am happy with progress. Could maybe stand to go through the entire downstairs a second time, before moving on. There is an element of, "I already got piles of stuff sitting out, and don't know how I will find a home for everything." As is, I already set out a second pile of kitchen stuff. Grabbed some of the vases. IT was easier to do so after the first purge left the house. I need to go back through with a more critical thought process.

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**Today I went through the kids' clothes. They are outgrowing the "hand-me-down" stage as they are both practically the same size any more, and no one has given me any hand-me-downs in a while. So, it was a pretty quick task. In fact, usually LM is drowning in hand-me-downs. BUT, his drawers were kind of bare and BM's drawers were spilling over. So we shifted things about - they seem well stocked for clothing. {I've been stocking up on clearance items during the off season. They also don't particularly like pants of long sleeves, so basically all I buy any more is shorts and t-shirts in the winter. The shorts and last a LOT longer than pants, since they grow so much "up" and not "out", so their wardrobe sensibilities are quite frugal}. They might be set until winter.

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If you check the blog links in my sidebar, I have "The Happiest Mom" blog linked (recently changed to "The Happiest Home").

Megan Francis wrote the original blog, and is Amazing. LOVE HER. Kind of a voice of sanity in an insane world.

Anyway, she had an interesting article yesterday:

4 reasons young women are scared to have kids (and why we should knock it off.)

http://www.babble.com/babble-voices/at-large-meagan-francis/...

The whole point is not to encourage people to have children on the super young side. BUT, to point out that our culture is putting unnecessary fear and judgment onto younger parents.

& though I love the likes of MyMoneyBlog and Mr. Money Mustache, it was infinitely more important for us to have a family than to be "be financially independent first." I clearly fall into middle ground, but considering the region I grew up, we were always chastised for settling down crazy early. The reasons for the chastising certainly never made any sense to me.

Some excerpts from the article:

Young adults in the prime of their fertility, not to mention energy levels, who want children, are actually afraid to become parents, believing they’ll feel “ready” down the road sometime…at 30, or 35, or maybe 40.

...And I’m tired of seeing youthful adult parenthood conflated with teen parenthood. I also think teen parents can be and are successful all the time, but comparing a girl of 15 to a woman of 23 makes no sense at all unless you seriously underestimate that woman.

From watching TV and movies, you’d think that the 20s are a magical age, full of self-discovery, maturation, and success in relationships and work. And for some, that’s true. But that doesn’t mean that parenting can’t happen alongside of self-discovery or career success, or that all people are better off having a decade or more of freedom and fun before settling down

there are tradeoffs at both ends of the spectrum. I’ll still be relatively young when my kids leave the house, and I’ll still have plenty of time for fun and freedom – with a little more jingle in my pockets than I would have had in my 20s. And while I did miss out on some partying in my youth, I also know that I spent those years well.

It’s perfectly OK to grow your family’s financial stability alongside your kids. It makes you more creative, more resourceful, and can even lead to some great memories. And if there’s anything this recession has taught us, it’s that no job, no home equity, no investment, is guaranteed anyway.


I particularly like the 3rd and 5th excerpt that I included. Amen!!

**Dh saved a phones message for me today. He said, "Tell me what you hear." Not very clear, but sounded like a focus group offering $700.

Holy Cow!?!

They ruled out dh immediately because he just did that big $400-ish study a couple of months back. (Which I thought was the Holy Grail of focus groups, at the time).

Dh asked if I should call back later, but they said it was for 3 whole week days. I should probably call back and find out more details. As is, it was probably the only 3 week days in the entire next 3 months or so that just don't work for me. FIGURES!!

I don't even know if dh or I would have qualified otherwise, either. IT's probably easy to assume not.

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I saw an interesting point of view that I don't think I thought of before. I saw someone in another forum mention that they had made enough in credit card rewards (in one lifetime) to pay for their last car purchase.

!!!!

I suppose I have done the same...

It's a huge sum and I am aware, but I just never thought of it in exactly those terms. Next time someone bothers me about how we can afford having two cars, I should throw that out there. "Paid for by credit cards." Not quite in the way that sounds.

My LIFETIME credit card rewards? Heck if I know. I've had a rewards credit card for almost 20 years?

Rough and dirty estimate:

$1,000 2013
$7,000 2011 & 2012
$5,000 2006-2010
$1,000 All years prior
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$14,000 LIFETIME TOTAL
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Yup, that more than paid for my current vehicle!!

I just recall credit card rewards ramping up and doing well in the years since I had this blog. Earning $1,000-ish per year. & I have hard figures in this blog for the past two years (which were totally insane). I really don't remember racking up a ton of rewards before that and don't have the records. I am sure I am probably under-estimating though as I remember having 1% cash back. Then again, we didn't charge anything and everything like we do now. Maybe $1,000 is about right, for all the years prior. If there were better rewards to be had, I didn't know and/or I wasn't spending enough to get them. As far as 2013, the year is young.

I have to go wrap my brain around this now. WOW!!

Disclaimer: I have never paid a penalty or a cent of interest to any credit card company. My reward calculations are net of any "annual fees" that I have paid to earn rewards. IF you can't easily beat the credit card companies at their own game, then I wouldn't bother trying. Something like 90% of the population fails. Unfortunately, I understand that sharing my successes might sound like a credit card commercial. If this sounds like a good idea, proceed with extreme caution.

**I was called about a $80 focus group yesterday, but was ruled out because I didn't have a child under the age of 8. This was on my child's 8th birthday. BAH!

**Home repairs are going okay:

---Dh believes he may have fixed the water leak in our freezer. (Just a tube that froze over or got clogged - so poured hot water into it). Will see...

---He called out a plumber who came up with same diagnosis as my dad. We have "really hard water" but it sounds like our parents have harder water. If our faucet lasted 50% longer than theirs.

The cost looks to be about 50% of what my dad quoted to replace - more in line what I expected. {Is this why my dad never hires any help? He thinks it cost way more than it really does? We also have the egde of lower cost of living}.

I don't particularly see the point to get anything really high quality if it will only last a decade with the hard water. Will do a little research and probably just pick up something identical to what we have (is a really nice sink faucet - very functional - I just don't see the point to pay for something like stainless steel, when it comes in a cheaper material).

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**Had a very small shindig on Saturday, for younger child's birthday.

Grocery store finds:

Got two "take and bake" pizzas for $15. These are generally our favorite pizzas. In fact, the kids raved about it. (We don't serve that cheap pizza crap at our house, and the 8-year-old crowd even noticed this).

I decided to check out their ice cream cakes. With a birthday coupon, it was only $15 for a fairly large cake. We got through half of it as of today. Technically we can keep the other half for older child's birthday?

As I said before, these are just coming out of grocery budget. I'd pretty much say that our "birthday spending" was $0.

I wouldn't feel too sorry for him (that we spent so little and did not buy him an actual gift). He was spoiled by many others. I believe he pulled in about $100 from 4 relatives. Plus numerous other gifts and treats.

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**I read some interesting articles on real estate this weekend.

Apparently, the younger generation is looking for more practical home layouts and so home builders are trying to oblige. You can't help but wonder if the pendulum is starting to swing in a more "financially sensible" direction.

Speaking of real estate... Real estate was completely on fire in spring, but nothing is listed for sale in our neighborhood this summer. I can not even imagine what this means for housing prices. (I keep reading that supply is short. & this time it's not the banks controlling the supply, at least not as much). We live in a highly sought neighborhood so I can only imagine the bidding war on the next house that goes up for sale. In the meantime, I am not getting a strong sense of where prices are at the moment. (The last time that *no houses* were listed for sale, was, never?).

I also saw an optimistic article that said first time home buyers were being careful and conservative. & so that maybe this will bode well for long-term housing prices.

I am personally skeptical. It kind of read that people are being more careful than they were in the bubble, but not by a lot. Which kind of reads to me like "more people are starting to save more than average," which is a pretty LOW bar to surpass.

What I see with my own eyes is lots of 0-down loans and very bubble-like activity.

I was disturbed to read that so many people were being "so conservative" but buying VERY expensive homes and buying "10% less than they qualified for." So, this is the bar for conservative? 10% less than they qualified for? Considering low interest rates right now, that just tells me people are still WAY "payment" focused (versus "big picture/total cost" focused).

Using traditional lending standards (not 2005 standards when we could have easily borrowed 20 times our income) and using today's interest rates, by all accounts we spent 40% - 50% less than the mortgage loan we qualified for (considering cost of home when we bought and what it would cost today; considering our income now and then). We had a really unique situation, so that was for a really nice home. We certainly could have gone a heck of a lot more conservative. I admit interest rates and monthly payments were considered, but with our low cost move and feeling like we could very easily afford some VERY nice digs, it helped us to set a price limit to narrow things down. So we did that more than anything. I admit our commitment to find a mortgage we could cover with only one income played a large part in only buying about 50% of what we could afford. Maybe that is the long and the short of it. But I can also very confidently say we weren't so freaking "payment" focused. Our plan was initially to only have a $150k-ish mortgage. I suppose we liked the idea of a VERY LOW mortgage balance, more than anything else.

I am skeptical, but will see.

I am on a roll lately!

I didn't see the $40 Sprint credit hit last month. We both figured it had been too good to be true. The last $40 credit said "4 months credit" so like dh had expected, he thought it was just a 4-month advance on credits. Though he swore customer service had told him $40/month, he was sure he misunderstood.

So imagine my surprise when I got an bill e-mail and the bill was lower by $40. Woohoo!!

Since I now expect the same credit this month too, I added a $80 snowflake to the mortgage ($40 x 2).

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Today my youngest turns 8. You know what that means!?! DONE with car seats.

OMG, we should plan a big plane trip. (I can't believe it - no more traveling with car seats!!)

Dh burst my bubble and pointed out we should check state laws for our road trip. I ignored Florida laws when my eldest was 9, because he is very big and tall and had been out of a carseat for well over a year. (He's almost as tall as me, so if he needs a carseat I need a carseat. Maybe I do need one, but we both have our dignity).

BUT, my 8-year-old is a lot more petite (at 8) and the trip is just in a couple of months. HE will have to understand.

So, we will hold one *nice* carseat for that trip, until I have time to check rules. (If anyone knows rules for Colorado, Arizona, Nevada, New Mexico, Utah, just let me know).

But, I think we can definitely sell the other carseat this week. After the big trip, will sell the other one. We also have the cheapie we bought for Florida and will just keep that in the car. Dh has been babysitting younger kids and the cousins could always use a car seat.

**When we went to Florida last fall it was a pretty easy trip but we did literally bring an entire second carry-on for the booster seat. This officially means we can pack very light! & You should have seen the crazy insane crappy car seats we rented over the years while traveling. O.M.G. We tried a few different avenues, but was always some crappy seat from the 1970s or 1980s, no matter what rental service we tried. I didn't trust the airlines with our NICE carseats (for safety reasons they really should be handled very gently). But, looking back, we probably should have just bought a seat for airline travel. (A banged up seat is better than a seat from the 1970s era???) I guess we never traveled enough to justify that kind of purchase, but was always some really horrible experience. Admittedly, the booster seat was no big deal in comparison. But it is one less travel hassle to ever deal with again!!**

**With all the bills I charged this past month (MRI, summer school), I was able to redeem $100 to my ROTH this month.

**I was able to redeem $50 from our gas/groceries rewards, and so I added $50 to my next mortgage payment. (This one was also twice as much as usual, but you can only redeem in $25 increments, and I might have had $24 stored up from prior months. Kind of the same think with my ROTH bonus too).

**Not redeemed yet, but also got $152 in Capital One Bonuses.

My dad also signed up, but did not use my link. (My other friend also did not follow through or use link). SO, thank goodness I found two SA-ers for my bonus. THANK YOU!!

My dad offered to call and explain to get my bonus, but at that point it was only $20 per bonus. I was more concerned about the $76 bonus for two referrals, and so told him not to waste his time. It was okay. If nothing else, I think my Dad does enough for me that I don't want him wasting his time with that. If *I* could have called and taken care of it, I would have taken the $20! But, you know, I just had him wrestling with garbage disposal for several hours, the other day.

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I saw a tip on MyMoneyBlog. I could generally buy Amazon gift cards at grocery stores, and all my grocery store purchases get us 6% cash back. So that translates to a 6% discount on Amazon gift cards.

DUH - Why didn't *I* think of that?

The caveat is there is a $6,000 per year limit on these purchases. But, with our Target grocery shopping, we only do about $5,000 per year at actual grocery stores. So, I think $1,000 per year in Amazon gift cards (or other gift cards) is more than we would ever use. Will have to keep in mind for gifts, too.

Oh, so I had totally forgotten about this tip. Then dh tells me the other day about a convoluted Amazon affiliate thing you can set up to get discounts. Basically, it was recommended to sign up as an affiliate, have your friend sign up as an affiliate, and then buy through each others' links. (Since they generally catch on when you buy through your own affiliate link).

I told dh, "Um, how much would this save?" He said something like on average 4%. (Though sometimes a LOT more).

I said, "Um, or you could just buy Amazon gift cards at the grocery store and save 6%."

So, that jogged my memory...

(Overall, I think the affiliate thing sounds like way more hassle than it is worth).

So, anyway, then MIL said she was going to get the kids some Amazon gift cards for their birthday, so dh offered to pick them up and get reimbursed from her later. He picked up $50 today, so 6% of that will be another $3 to our mortgage in a couple of months. Yay!

**I pulled off a $152 cash bonus with the Capital One Bonus today. Woohoo! That was $152 for about 5 minutes worth of work. (I usually don't pay much attention to bank sign up bonuses, because WAY too many hoops to jump through. But, *this* was about as simple as it gets).

In 30 days I can transfer the money back to my checking account and will no doubt close the account. Though the interest rate is very slightly better than my credit union savings account, is not enough to warrant the increased risk of bank failure, nor the pain of dealing with a "big bank" (which I mostly boycott, except to take their bonuses). So, I will pass.

Oh, I did read some of the fine print on the checking account bonus, and decided to pass. Though I could come up with 5 checks to deposit this month (I am expecting 5 checks), the amount I could transfer out was pretty much "subject to the will of Capital One on whatever given day." So yeah, screw that. I could work around it, but the hassle factor was getting to be WAY too much.

**While in "bonus raining down" mode, I almost pulled the trigger on some credit card sign ups. $400 for the Chase Sapphire really is not bad. BUT, it was recently $500, and I could just see it going back to $500 the minute after I applied. I am going to wait that one out a bit... I also have my eye on the American Express Gold card (neither of us have had for maybe 2+ years). So, these are all double dips that were recently $500/each. I am hoping to get $500 x 3 on these deals. (I already double dipped the Chase, so that one is just for dh).

Waiting and being greedy may fail me. Time will tell...

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**Surviving the heat. IT's getting easier as we get more used to it. 2 more days and nights of this...

Oh, and our AC faltered, but kind of sort of in a good way. We have a dual-zone system in our house, but it stopped working today. The downstairs AC was cooling the whole house. I really thought the kids had turned it on upstairs, until dh explained to me it wasn't working. Is probably working too hard, and murder on our electric bill. BUT, of all the problems to have... We won't bother to get it fixed until it gets WAY cooler. (In fact, I just hope it resets itself tonight once we turn it all off. I can hope).

I have just been crossing fingers that AC powers through, and that electricity stays on. I have heard endless horror stories about $$$$ emergency AC fixing; neighbors and friends. I don't remember ever working our own AC quite this hard. !!

{If our thermostat is the problem, seems it would be pretty easy to fix. Heck, if it keeps doing that tomorrow, we might try to self diagnose the problem. I do really think something crossed and when we turn it all off it will just reset}.

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**Speaking of fixing things...

We got our garbage disposal changed out. Man, what a NIGHTMARE.

I learned some, and invested in some better tools, but I mostly remembered why we don't "DIY." Of course, I expected that to be on the easier side of things, which was the only reason we even bothered the DIY route. (I should have taken up neighbor's offer to do it for free - doh).

I suppose it's good we got that changed out. Because the garbage disposal stopped leaking, but a worse leak (or at least a more awkward/harder to keep dry leak) has developed.

My dad told me it had probably been leaking for a while (masked by the disposal) and that his experience is changing out water faucets every 8-ish years due to the hard water. (This is Mr. "Keep Everything FOREVER"). Gah! Well, the faucet is 12 years old, so I suppose it is about time then. I've been saving to replace all of our (12-year-old) appliances, but I can't say "sink fixtures" was on my list. (Nor would I expect it to be so costly, but my dad may have been quoting "high cost of living" labor factoring how long the same job took with his inexperience. Let us just hope).

Today I found a plumber online, and dh said the leak is getting worse, so he will take care of that, hopefully this week. Will just see what they think the problem is, and go from there. I trust my dad more than any stranger, BUT, am curious to the professional opinion. & if they say that's it, well, I have a good idea that is the problem. (But maybe it will be something simpler?)

It did occur to me that today's bank bonus would at least pay for a fixture replacement (the parts). I'd sure like a nice credit card bonus to cover the labor. That is my other motivation for finding some bonuses. But yeah, I don't really think it will cost as much as my dad thinks it would. We will see.

I just spent about 5 minutes earning $76.

Thanks to creditcardfree!!

I signed up with Capital One. If you deposit $500 into their "360 Savings" account for 30 days, you can withdraw the $76 bonus and close the account afterwards. Like ccfree said, I already have my $76. I just can't withdraw it for 30 days.

Their interest rate is also not bad. 0.74%? There are no fees for this account (just wire transfer fees).

In addition, there are bonuses for referring people. Here is my referral link:

**See Ceejay's blog for referral**

**This $76 offer ends tomorrow. So, you have July 2nd or July 3rd to get the $76 Bonus.**

Definitely not doing much of anything this week. Too hot to move. I accomplished a LOT of reading yesterday.

It's 1-2 weeks to the kids' birthdays, and I decided we should probably plan something.

I usually don't think much about gifts. The kids get totally spoiled by in-laws, and dh is way more into "gifts" anyway. I was surprised and relieved when he agreed we would get the kids no birthday gifts this year. Phew!! We had bought them sleeping bags very early in the year (wanted them for camp), and dh just handed down his computer to them and bought them a new graphics card. Dh puts more meaning on opening actual gifts on birthdays and holidays. So I was relieved he didn't want to buy more crap just so they would have something physical to open on their birthdays.

BM wants to check out an indoor play place that opened closer to our home. Not as nice as the one they LOVE about 20 miles away, but they have more open play areas and food, so bodes better for an unofficial birthday party. I saw they were advertising cool AC and yadda yadda today, and lord knows the kids could run off some of their pent up energy. So we will go spend a few hours there today. If he likes the place okay, maybe we can do something during the week. Otherwise, it will have to wait for his return from Europe.

I'm fine with dropping in the other place 20 miles away, because the kids love it so much, but they never have any open play hours. Too many birthday parties... I've had miscommunications with them on open hours too, so is really a pain to drive there and find out they are closing in an hour...

So, I hope the closer place appeases him from a "invite a couple of friends and call it a party" standpoint.

LM opted for an at-home video game party. I was able to confirm availability of his best friend, so will plan something for next weekend. We've made ice cream cake in the past, so will look up a simple recipe. It is the only thing that sounds appealing in this heat. It sounds like we can squeeze a simple low-key LM party out of the regular grocery and food budget. BM's might cost a wee bit more if we do the destination thing, but probably the cheapest party year we have had in a long time. Seems to get simpler with age. Less family, less adults tagging along, etc. So, I guess I am feeling relieved how much thought and energy (and $$) I had to put into all this. Phew!

I suppose no one really wants to hear it - but the California girl is in the midst of weather blahs.

Camp was totally ruined this year because it rained the entire 72 hours or so that we were there. I suppose it did clear up the last morning so that we had a beautiful drive home...

I saw the entire week was going to be 100F+ degrees, now that we are home. BUT, I just peeked at the weather and it is OMG! Worse than I saw before:



I am just going to cross my fingers that the electricity stays on.

Anyway, so between trying to stay dry in the woods, and now suffering in the heat, it's a little jekyl and hide with the weather.

I am just strategizing how to keep cool. I just told dh that we should probably plan to do some microwave cooking. I've been closing blinds, drapes and doors, so the middle of the house stays a wee bit cooler. Of course, I will be making smoothies and we will be spending our evenings by the pool. (The days are too hot, and there is not much shade by the HOA pool, so kind of useless to go during the day). Who knows how cool and refreshing the pool will even be by the end of this heat wave...

The nights are always the worst on weeks like this. I am not expecting to get a lot of good sleep...

**Two posts for one morning - just FYI if you want to read my last more philisophical post - might be good for newbies.

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**Gearing up for camp. It's a relief to not worry about camp being under 10-feet-of-snow in May or June. I won't have to worry about the mud (tracking it everywhere; driving in it, slipping and sliding our vehicle through it).

We camp annually near Tahoe with parents and some extended family. (It's "Family Camp" where they provide food, cabins, activities for kids). So yeah, I don't have to do a lot to gear up. Dh checked our bug spray and sunblock levels and I noted we need to find our flashlights.

**We bought a new garbage disposal a couple of months ago. Dh feels mostly comfortable with the installation, but had concerns about the electrical side of things. So we just had asked if my dad could help us before or after camp. (He is staying with us the night before, and we will drive him there from our home). In the meantime, the disposal died in a totally bad way. (IT's difficult and it jams at times, but no idea what this latest problem is). So, I suppose the timing will be good. Could be better, but at least it's not like we won't see my Dad for weeks...

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**BM's first summer class wrapped up. He will get a "grade," but I don't know when.

Dh and LM did well filling time, waiting, and saving gas. (Probably hardly worth the time to drive home and back, anyway).

This program is at the local University, and meant on some level to familiarize the kids with a University setting. It's interesting because LM has gotten so much out of it, tagging along. He particularly likes the video game room in the student union. $2.50/hour to play - dh obliged him a bit.

They've also been reading a lot and designing LM's board game.

Yesterday dh took some time to run a few errands:

He sold some video games to the used store (they generally take music and games and books). He's got some others to sell on Amazon.

He's got a few books he had been unable to unload, so took them to a used book store in the area. Got rid of a bunch of books in exchange for $5 cash and a couple of books. (Credit would have been better, but we just dont' buy paper books any more. He did pick up a couple of books that he couldn't find at the library; I am sure we will sell them back later).

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In two weeks my baby turns 8. In three weeks my other baby turns 10, and he leaves for England. My MIL must be *freaking out*. It has been like her lifelong dream to take her grandchildren "anywhere in the world" (their choosing) when they turn 10.

Anyway, BM is the eldest grandchild. She has been talking about this since I was like 5 minutes pregnant, so I know she is just bursting at the seams.

As much as my in-laws do love to travel, they have never been to Europe. I find that kind of weird. Surprising... But, I guess it will be quite an experience for them all.

For BM, I don't think we really had any clarity until the past 12 months or so about what he would actually pick.

So, lord knows what LM will decide. The other day we were talking about Italy. (I think it came up because we were eating gelato). A bell kind of went off in my head, well that might be *it* for him. But, probably too early to tell.

Anyway, I just have no idea how I have a 10-year-old. !!

The in-laws don't have particularly deep pockets. They do have a lot of timeshare points and airline miles. I think her offer really reads more, "I will take you anywhere *affordable* for your 10th birthday" than literally "anywhere in the world." I am sure they will be spending money we couldn't possibly justify at this stage in our lives. So, definitely an awesome opportunity for the kids.

There was a conversation in the forums about the difference between incomes.

I personally can't take these conversations at face value. I know way too many people who make way more money than me, but who do not enjoy any financial edge. Fiscal inefficiency. Maybe it's more obvious in the region we live in; in the situation we find ourselves in. People tend to be very open with me about their finances. (Either asking for advice after knowing us for a long period of time, or just on a professional level - asking for tax advice). So I see real numbers across a wide variety of households.

If I completely exclude daycare out of the equation, I Can still live exactly the same lifestyle as someone who makes $50,000 more than I. With an extra $50k in income, about an additional $25,000 of that would go to taxes; income taxes and social security. In addition, most people around here are paying an additional $2,000-ish per month for their homes. (If I threw in daycare and working expenses I could probably make this a $75,000 income difference. Double the income, same exact freaking lifestyle!! But I am leaving that out because daycare is more a temporary situation).

Anyway, why so much more on the cost of housing? They didn't put money down. They don't have good credit, and so they pay more interest. They pay PMI. They bought higher. Etc., etc., etc. This one particularly stands out because of the comments we have gotten over the years. No one has any idea how we afford our house - they all imagine it costs us 2-3 times as much than it actually does.

This situation didn't just fall out of the sky. We grew up near San Francisco and knew likely 75% of our income would go to afford a roof over our head. We put a heck of a lot of work, effort, thought and strategy to manage housing costs. Definitely a lot of thinking outside the box.

So anyway:

Pay + $25,000 in taxes
Pay + $25,000 in housing costs
= +$50,000 expenses for the same exact lifestyle

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Anyway, here is a re-post of an older blog post of mine, which this all reminded me of:

So, joan asked an interesting question a while back when I mentioned a mix up between us and another family struggling financially. She legimitimately asked if we *looked poor* or could be *mistaken as poor* by the impression we give off. In this case, was just an e-mail mix up.

But, I think this is an interesting question. Why, if someone is frugal, are they perceived to be so cheap that they must stick out and have a miserable life? Not that joan was saying all that. BUT, I do find that people treat me VERY different on the internet at times, than they do on real life.

The truth is, we fit in QUITE well. Very well. To the point where most people think we are just rich tightwads. Because clearly it is ridiculous that we would watch our pennies so much. (To most people, they don't seem to understand the cause and effect. I'd sum it up as saving money on stuff we don't care about so we have more to spend on the stuff we do care about).

These are the things people will never notice:

**How much stuff we buy used, hand-me-down clothes, hand-me-down furniture. We are big fans of *barely used* goods. I can assure you that no one would ever know if we didn't tell.

**That we eat most our meals at home.

**I delight in finding birthday presents that look REALLY expensive but only cost $5-$10 (on deep discount, of course).

**That when we vacation we make frugal choices - like drive and stay at Motel 6. No one sees that - all they know if that you went to some exciting destination they couldn't afford (i.e. they couldn't afford flying too and staying at a luxury hotel - usually what that seems to mean).

**That I don't spend a fortune on beauty products. Online this is met with *horror.* In person I am often told, "Well - you are lucky you don't *need* it." As if everyone needs hundreds of dollars of beauty products and spa treatments to pass in society.

I do admit everyone thinks we just buy used cars because we are ridiculously cheap (and crazy). They couldn't possibly fathom how much we save (since we are usually told that *old cars cost more*). At the end of the day, my car doesn't come up much anyway. Few people do seem to notice the car situation. Likewise, the few friends I drive around in my van know we paid cash for it and they can't wrap their brain around that anyway. (We bought the van when my youngest was about one, immediately after my long maternity leave, with dh long-term unemployed. I Got a lot of comments - it never occurred to anyone we bought a used vehicle. I know part of the reason no one can wrap their brain around it is because they all think we bought a brand new $24k-ish vehicle that actually cost us about $12k because it was one-year-old. OF course it would have been ridiculous for us to pay $24,000 cash for a vehicle, at that time in our lives).

I admit we are in a unique position since we moved to a low cost area. So, this translates into maybe owning in a prestigious neighborhood, while having the lowest mortgage of anyone we know. Most assumptions are we are about to foreclose like 95% of our neighbors, that we are rich, or that we made a fortune on Bay Area real estate. The truth is that a $300k house feels extremely reasonable to us compared to what we are used to, and that we put 25% down, never borrowed against the home, and have a low fixed mortgage rate. The home was a lateral move from a $290k-ish condo we made no money on. No one else seems to comprehend how we could not be upside down. To be fair, buying price is ALWAYS assumed to be much higher than we paid. We bought the house because it was an awesome deal. Since it was new construction, we locked the price in much lower to what it was even worth when we eventually moved in. For a while (years), when the models were still open, everyone would comment, "I could never afford this neighborhood" after stopping to tour the models. But they seemed completely deaf when we would laugh and reply, "neither could we at THOSE prices."

Then there is the whole *hubby stays home* thing. No one will accuse us of being poor as long as that is a fact. You have to be lucky and rich to manage that, of course. Do you think all of our Joneses type friends can even fathom living on one income? If I opened up my tax returns I think most my friends would faint dead away. (Because of how low our income is, versus assumptions and expectations).

I think for the most part we can figure out how to have whatever we want, cheaper. Whether it be a good eduction (primary or college), a reliable car, a nice home, or whatever it may be. One interesting thing with the kids is dh's love of video games and the prevalence of them around the house. Yes, I'd think it would probably be ridiculous to give my 5-year-old a brand new Nintendo DS, but both kids have a DS and a PSP at their disposal. Cost? Free. As such, they fit in quite well with all the kids and their new game systems.

I remember one day when LM was younger and we were waiting at one of BM's extra-curricular classes. I pulled out a zip lock just bursting at the seams full of games for his Leap Frog. I looked at it, probably for the first time, and thought, "Where the hell did all these games come from?" I had probably paid for just a few games over the years. I was keenly aware that other people must be thinking I was carrying around thousands of dollars of games around, when really it was probably no more than $100 to us.

Anyway, it isn't really hard to fit in. I've got a college degree, a nice home, reliable cars, furniture, appliances, clothing, etc. IT all looks the same as what everyone else has got, for the most part. I can assure we paid very little compared to average for most of the things we own.

So, I had to giggle a bit to myself when joan asked, though I Wasn't surprised at the question. I think if our passions were different, and we didn't have the whole benefit of the low cost of living thing, my experience may be very different. (We maybe would have bought a much more modest home if we didn't perceive this home to be so "cheap." If our passions were not so much on the electronic side, we might not own many of the electronics that make it appear we "keep up.")

I think also we are very moderate. I can think of a few people who are stingy to an extreme. Some have come across very poor when they weren't poor at all. I can't imagine ever being so extreme - in either direction.


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Mr. Money Mustache also says it very well:

http://www.mrmoneymustache.com/2012/06/01/raising-a-family-o...

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I think these are important to share for motivation and perspective. Why would anyone be frugal? Because it can be extremely rewarding!

I don't particularly look at my credit card statements, because I download everything. So basically, I find statements to be rather useless in this day and age, and for my own purposes.

So these newer disclosures kind of trip me up when I see them:



O.M.G. The balance on this card was about $1,425. (Minimum payment of $25?)



Well, at least my month of Target groceries could be paid off in 5 months. Doesn't sound so bad in comparison.

I tried to look at my CU Visa credit card and I could not access them. I wonder if I have *ever* looked at them???

For reference, I have always carried credit cards for rewards and convenience. I have never in my life charged a penny that I didn't already have the cash to cover. So, these balances are all paid off each and every month. The idea of taking 12 years to pay off one month of expenses makes my skin crawl.

The theme is college.

BM is taking his first "college class" this week. Thankfully, we were able to get two $10 weekly parking permits (for the two weeks of classes). Dh decided to just take him and stay and wait, since it was enough out of the way. I think more carpool opportunities might open up in the next couple of years. I think the program will generate more interest at the middle school level.

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I think this post might explain why I am a little blase about the cost of college.

I received an article from my alma mater about how they had made the top of the list as far as "colleges with best returns."

31 Public colleges in our state made the list, called the 20-30 Club, because they offer an average annual tuition of less than $20,000 and an average post-college entry-level salary of over $30,000. I think the only reason some public colleges did not make the list (since they are all priced the same at each particular level) is because they were in areas (regionally and/or educationally focused) with lower starting salaries. {Even some comminunity colleges made the list}.

But, the thing was, most the colleges cost $1,000 (community college) or $5,000 (State University) on an annual basis. & the average starting salary was $50,000+. Especially around the region we live in. So, some of the colleges could be in the 5-50 club.

In fact, I am not even sure why they bothered with the 20-30 concept, except maybe just comparative to some national standard. The most expensive public college on the list was $11,000 per year.

So, there you have it, I am not getting worked up about it. Actually, with two kids so close in age, and due to recent college input regionally, I am leaning towards community college for both kids. I am very much a "will cross that bridge when we come to it" type, but also obviously, "plan ahead and keep my ears open." So, it's not like I expect today's college and economic landscape to be the same in another 6 or 7 years. But, I am taking note and just making sure we are prepared as can be.

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I believe we had a no-spend weekend. We hit the pool Sunday morning to give the Dad some peace and quiet. We had the pool to ourselves. It was lovely, and very peaceful.

I did spend some time getting organized and made progress on the kitchen.

Yesterday was payday. My remote deposit will hit this a.m. and I will pay off the big credit card. That's it until next payday. 1st of the month is all the rest of our financial doings (savings transfers, pay mortgage, and a few little bills I can't charge, and pay off all the small credit cards). I actually don't have anything in my finances "automated." But, yes, it is very simplified.

**School is out - the kids get about 8 weeks of break.

Their report cards were *perfect* and LM wrapped another teacher around his finger. I keep feeling every year we have nowhere to go but down. But for now we still get to ride this wave. I am particularly proud of BM, who after having one teach for *3 years*, changed school campuses (same school/split campus), had a new teacher, and had his class size increased by 50%. Wasn't entirely like going to a new school, but must have felt a lot like it. He did exceptional with all the change.

So the kids asked if they could get some frozen yogurt the last day of school, and we obliged.

The crap they brought home from school this year was insane. I even wonder if the teachers took care of this in the past (or recycled supplies more)? I can't say it would have been my first goal to go through it all BUT we had some friends staying over the following night, so we were already in cleanup mode. So, I am pleased to say we went through everything and it is done.

They brought home about 50 more pencils. O.M.G. Thank goodness I had purged all the "new" and "like new" ones to LM's teacher a few weeks back.

I just need to take the time to freecycle some of this stuff.

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Summer plans?

Well, we have the pool, first and foremost (it's a couple of blocks from our house, part of HOA).

I commented on another blog that we usually have a few memberships here and there (museum, parks, etc.). But, I don't believe we have any right now? I suppose overall have just been too busy to enjoy. I tend to let them expire and then renew when we use them (to lessen the cost over time).

BM only has a couple of weeks of downtime. 2 weeks of summer classes and 2 weeks in Europe. One week at camp.

DH realizes he will have a lot of time with LM so was thinking about what he could do with him. He is going to help him design his own board game. (LM is totally game obsessed and always making up games, so dh will help him realize a game in physical form). There are companies that will print customized board games and stuff, but will probably be more of a card and a dice type game. Which will be easier to just make at home. We can maybe order him some special dice.

In addition, dh is implementing a reading reward system. (He loves to read, but given the choice, he'd just play video games and board games all day, so dh is trying to fool him into thinking it is his choice to read. Versus like forcing him to read every day, which would defeat the purpose if he only views it as a chore).

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This weekend is kind of an organization weekend, for me. I need to complete the downstairs decluttering/cleaning and we need to discuss updating the kids chores and stuff. I just want to make a list of what needs to get done and see where we are at. I am feeling refreshed and motivated because the house is already clean. Phew!!

I took a half day off work on the kids' last day of school, and it just turned out a friend of ours needed a place to stay the next night. But it's rare to go into the weekend with the house SO clean. So I am more energized to do extra chores. I am hoping this is the last weekend of this. Though I like keeping on top of things, the idea of endlessly de-cluttering makes me want to go live in a tent. The more I age the more I feel like this. I still can't get over that we have been in such a purge mode since we had kids, and how we still have so much crap a decade later. *sigh* That said, I think it will be 1,000 times easier once the kids are grown and gone. They are just "stuff" magnets - I don't know what it is.

We were just watching some home videos, and the house looked pretty immaculate when the kids were little. I've always been clear that I am not a neat freak in the slightest. The only thing I could figure was that we didn't have such an avalanche of stuff.

Case in point - the last day of school:



So, I suppose it's a silver lining that it eventually will ease up. That eventually mountains of pencils and paper will stop "falling from the sky."

Anyway, when we finish with the downstairs, I will take a break until Fall. Fall will be the upstairs de-clutter. All I have is our bedroom and closet, and some office space I have at the top of the stairs. Dh already hit his room pretty hard to make room for the music equipment, and while at it we will go through the kids' rooms. We generally keep pretty on top of toys and clothes, BUT BM is a little hoarder. There's probably quite a mess in his room. I don't expect the upstairs to be half as much as the downstairs. But, will see!!

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Oh, and I just remembered. LM lost his lunch box. 5 years of school, and I believe this is the first item we lost. (He lost it a couple of times but we found it every other time). IT was bought on clearance for a few dollars, and I have some extras, so we will survive.

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Next post: Spending doings and some college updates. If I get to it...

Gah, I am so behind on posting. So this post will be a hodge podge...

**Set out a bunch of Goodwill bags on Memorial Day, so that was awesome. Feeling lighter...

**I suppose my declutter efforts were maybe subconsciously spurred. Our recycle pickup will only be "every other week" starting in July. I've been tossing those bags of cans into the recycle bin every week and have one more left. Phew!! (I just threw one in this week but it won't get picked up until Thursday, so two more weeks of a full can??). We have some boxes, but my work has a recycle dumpster, which I suppose we may utilize more with this change. I asked dh to put any boxes we have in the van (over the weekend) and I will take them to work on Monday.

The garage could use a good bicycle and paint/chemical purge. Will aim to get that done this summer. Other than that, there's not a lot and we mostly store cars in the garage. Getting rid of so many bags of cans freed up a lot of space.

**I've still got a big bag of shoes to recycle. We decided that we will be in the general area (or that it's kind of on the way) when we take BM to University summer classes. So, we can maybe get rid of those in a couple of weeks.

**I've arranged for cat boarding while we are at camp. Will see how that goes. I hope it goes well. If it does go well, I will reserve his stay for our October road trip. I am crossing my fingers that he gets along with the other cats. If he does, it seems they don't particularly leave them in their cages (& so the nicer/big rooms would just be a waste of money, unless a cat was particularly anti-social and had to be locked up the whole time).

I don't know if boarding will always be necessary for our June camping trip, but I think it's wise while we are still adjusting to him, and will be a good trial run for checking out the boarding place. I am not really expecting to board him every time we leave for 3 nights.

We left him overnight last weekend and he did fine. Phew!! (I was a little wary of what he would do if he got too bored alone, and we have kind of spoiled him because don't think we had ever left him alone any length of time).

We will have plenty of opportunity to leave him for two nights - that will be the next test...

**Dh is doing the Scholastic thing the next couple of weeks and so we will ply the kids' teachers with tons of gift cerrtificates. (Like worth $150 retail, each). So, not really planning any "end of year" expenditures.

Oh, the school got cheap and cancelled their "last day of school" BBQ. What is that about!?! I totally understand, but think it's a shame that they aren't doing that for the kids. I always went the last day of school for the free food. Now I am thinking I will go because it's just been tradition for so long that I do show up. But we got this nice little note to bring our own food. LOL. I suppose I should just be happy that they are still doing anything. It's a BYO-picnic thing. I am sure that will be fun too. I just wish they would do the BBQ for the kids and forget the parents. The kids always LOVE it. I suppose it's fair enough that we may have 3 times the kids now that we did 5 years ago. We keep adding new classes and grades. The more I think about it the more understanding I am about the situation. We will make it a nice picnic for the kids.

**LM's second grade teacher is so awesome. We got the CUTEST Mother's Day gifts ever. The last couple of teacher tried to do a nice Mother's Day tea or this or that, but it was kind of torture because there was always the kid crying through the whole thing because his mommy couldn't show up. *sigh* NOT exactly fun. Cute in theory, but never fun. So this year I get this "recipe book" put together by the kids. O.M.G. It is hilarious. They wrote down all their favorite recipes off the top of their head and drew pictures. So lots of very cute wording and missed steps, and "serves 100," and hilarious reading.

I tried not to assume too much about all the "Get the pizza out of the freezer" recipes, because my child chose boxed max and cheese for his recipe.

Oh, so anyway, the kids made a joke book for Father's Day. I haven't read through that one yet, but it also looks to be a crackup. These gifts are SO precious!

**Dh and I made it to cooking school for lunch this week. I lucked out. IT was hard to get into for a while so we kind of gave up. I called Tuesday and asked on a whim if I could get in Wednesday. I could!!! I then asked about next week because I had forgotten some last minute work meeting. They said, "Nope, we will be closed for the semester." Crap!! So we reworked Wednesday. I was a little late and dh had to leave before the check came, and it was a little rushed, but did not want to have to wait until fall. So that was our nice last date of the year. I don't think we did many (any?) during tax season so maybe we can do another lunch date next week.

Actually, the food was kind of "meh" on Wednesday. Maybe we won't go the last day of the school year, next time. We theorized they were using up whatever was left in the kitchen. Though dh had some chicken that was *divine.* I had a "meh" Cobb Salad, but the bacon in it was the best bacon I have ever had. So, it was hit and miss like that. Usually everything is so A+. (I only got the salad because the menu didn't really appeal to me very much. I would have gotten the chicken if I knew it was SO GOOD - they didn't sell it very well in the menu).

**June will not be cheap. Correction: July will not be cheap! I have a MRI bill to pay ($1,500) and $600 due to the University for college classes. I will charge them in June and pay them off in July.

I think our cash will tread water if nothing else comes up. But heck, what are the odds of that?

I updated sidebar, and am not feeling terribly enthused with my grand mortgage goals. (Though everything else is well on track - will throw all savings to the ROTHs for the rest of the year to max them out). BUT, the year is young, so I have not given up. I am hoping for some credit card rewards, and so on. Actually, I find that making the goals is often 90% of the battle. With the caveat that they can't be crazy unrealistic goals. But I feel like my subconscious is figuring it out while my realistic brain is feeling very "yeah right..." right now. Subconscious brain usually figures it out.

**I failed on my May declutter goals because I was sick the last week of May? Mostly was in bed for Memorial Day weekend. Last weekend we had a big family thing out of town. This weekend!?! I should probably tackle it and be done with it... Will see.

**I think it's supposed to be crazy hot this weekend. Interestingly, we have had several mild summers. To the point where I don't remember the last time it was 107F, or whatever it is supposed to be. (Though 100+ usually pretty standard summer weather, otherwise). {Yes, our weather tends to run OPPOSITE most the rest of the country, in recent years. So thank you for the very mild summers? }

Yeah, I don't know if I will get much done... Might get the heck out of town. This might be a better "go to the beach" type weekend. San Francisco is 30 degrees cooler, at the moment.

We had an interesting dinner last night. Sausage-stuffed acorn squash. VERY good! Interesting, just because it was very different - had a lot of different flavors.

http://www.tasteofhome.com/recipes/sausage-stuffed-acorn-squ...

Squash seems to becoming a large staple in our diet. (Love butternut squash soup, dh has been experimenting with acorn squash of late, and spaghetti squash is one of our more recent finds).

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While sitting here and typing I kicked the cat out of the room because he was so insistent on taking a nap on the keyboard.

So... He instead figured out how to open the traditional round door knob to get back in. OMG. He is quite the little trouble maker. (Dh and I were just talking about this the other day. I said Siamese cats can easily handle lever door knobs - though I have yet to see him try because we don't leave many doors closed in the house. Dh said "at least the theater room has a round door knob." Since the cat seems to have a lot to get into in this room. HA!)

I totally forgot in my last snowflake post...

Dh got a $40 credit from Sprint last month. Supposedly they are giving him $40/month for 4 months. Which is unfortunate, because I think this is them unofficially admitting that they expect their network to totally suck for 4 more months. Lip service says we get 4G "tomorrow." (Which is what they have been saying for a solid year).

Anyway, I was assuming we'd split that with my parents, since we split the bill, but dh just pointed out yesterday that's his portion of the bill for crappy service. He's only complained about his phone. He has a point. My dad lives in another city and so is getting 4G already.

So, I will leave that up to my parents, but it sounds like it is probably a $40 snow flake for us. Maybe $160 over 4 months. I will add these $40 snowflakes to the mortgage.

The month is over so I have the following snowflakes to redeem:

**$50 to ROTH (credit card reward) - I've hit $50 every month this year, and will continue. In May we charged a computer and for June I have a $1500 MRI bill due. {Otherwise mostly charge health insurance on this card}

**$50 to mortgage (credit card reward) - I changed the due date on this credit card and so it did a 2-month cycle - the rewards are generally $25/month {Gas/grocery card}

**Monthly interest (Added to savings) is in the $15 range these days

**I overpaid piano teacher in May (Memorial Day was off) and she didn't get me the piano book $$ I owed her until today. She e-mailed me, but the payment had already been sent out for June. So, I will have a $25 snowflake in August when I subtract the over-payment net of books. I will add it to the mortgage at that time. We moved the kids' lessons to Mondays and we should have more snowflakes like this. Every Monday Holiday is $40 in my pocket. {I was expecting the books to kind of offset, but forgot I am paying for two kids for lessons - which is much more than the cost of two books}.

She also told me she is taking July off. MIL pays for the kids' lessons, so I will still have a $160 check for that. I'd generally throw this at the mortgage, but I've already got a few ideas for this. Dh was asking if we should get a new graphics card for their computer hand-me-down or wait until birthday. $70. We were going to treat LM to *whatever* in July when his brother is in Europe. He may be easy to please (like, McDonalds), but this will buy him some more options. He still may be easy to please. Will see.

Oh, and my first thought was, "Wala - cat boarding money!" & then some... Which reminds me, I will have to check if they take credit cards when I tour the place tomorrow. *Please Please Please!!*

Yes, that $160 will go fast. Sorry mortgage...

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I've stayed out of the credit card fray for a while. Letting our FICOs recover and just surviving tax season, anyway.

But, I was motivated to try to pay for the new computer with credit card rewards. I found a few rewards, but when I clicked on the links none of the supposedly current bonuses were not showing on the credit card applicaitons. So I gave up last weekend. I will maybe try again next week. I have a couple of big payments due in June (MRI and summer classes), and so also why I Was thinking about it. I may bide my time for better reward options instead. I see I just missed a $500 Sapphire offer by a month or two. It will probably come back, so will wait for that one. I haven't double dipped the Citi yet. Nor the Southwest Chase cards (we could both try). We both haven't done the AmEx Gold in a few (or several) years. For now, am not going to do anything for less than $250. A $400 sapphire Chase reward plus a couple of $250 rewards would pay for the computer. So that will be my goal for this year. Though I am going to wait to try $500 + $250 OR $500 + $500.

Dh has gotten nothing from Citi but 0% balance transfer offers, for a long time. HE just got a $150 bonus offer. *yawn* Waiting for them to entice him with something better. It would be a triple dip, so isn't on the top of my radar - lots of double dips to try first.

Nothing in particular; just the sum of all the parts. Tuesday was such a *Monday* at work. A Monday with a full moon. At least yesterday was quiet and I accomplished something. Yeesh.

The kids have this and that going on. Dh put together my elliptical and is now putting together his new computer. So today it looks like a computer parts store threw up in my house.

The elliptical is okay. I can see the benefits, and it is thankfully quiet, but doubt it will entice me to quit the gym. I tried... I just don't want to invest the money, man power, hassle and space to get a gym-quality machine. & I won't be happy with anything less. This is making my $15/month gym membership seem extra valuable. So for that, it is all good.

New cat is keeping us on our toes. He's mostly a well-behaved love. Especially since we have so many people and activity to occupy him. (I could see him easily being bored and in much trouble, otherwise). But, he did almost literally kill himself in the blind cords (I have the childproof cord winders and went through checking them all and installing after that incident - just glad he is okay). HE also tried to run off with our thawing chicken the other night. It was pretty frozen still so he didn't get very far with it. He is serving his purpose - more laughter and lighter hearts - has really helped with the mourning process of losing our pet.

This weekend I have an appointment to check out a local boarding place. Since my set point is about $0 - it is $$$$$ - but we wanted the freedom to travel if we picked up another pet, so it is what it is. The place is pretty cheap and close to home (though extremely highly rated).

He is also a total pig; eating me out of house and home - a good match for my children (boy do they all have some metabolisms! - but their energy level at least matches). Though we are going to take him to the vet re: that. I think it's possible could be sign of medical condition. I think it's a little bit of everything (Was probably neglected in the past and hoarding food, plus high energy). BUT, he also produces so much waste - I do not know if that is over-eating or if could be sign of something else going on. We've had him 30 days and he has not seemed to have gained or lost an ounce, but admittedly I am very much monitoring his food. I have still been feeding him well above average. I just wanted to make sure we weren't over-feeding him. We don't seem to be. I suppose I can relax that we are not starving him either. Because like my children, he acts starved when you only feed him 2-3 times what is recommended.

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I am no longer sad we missed Weird Al concert last year for bajillion dollars. We just snagged great fair concert seats for $20 per person. Now that was what I remembered paying in the past.

The concert is the day before BM's birthday. !!

BM also got his first two college summer class choices. SO, this is his summer:

**Two weeks of Engineering Classes
**10 Days in London (MIL is taking him)
**Weird Al concert

Does he need anything else for his birthday? Um, heck no. He turns 10 this summer...

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Our own vacation plans?

**Family Camp in late June. This is why I am looking into the cat boarding right now. It's 3 nights, but the first time we have really left him any length of time, so I think it will be a good chance to try out the boarding place. We did not pay anything for camp, so I think it's reasonable to splurge on cat care.

**We are going to do another post Thanksgiving weekend in Pismo Beach with my folks. We had the most amazing time last year.

**Hadn't made any plans yet, but want to do a 9-day road trip in October, now that we aren't tied down with pet situation. Would like to see Grand Canyon, Death Valley, Vegas, Bryce Canyon, etc. I am sure we will narrow it down. Heck, we might just wing it. I LOVE road trips and it's been way too long. So it's bittersweet as to the why we are able to do it, but am really excited about this vacation. I love road trips, but except for Vegas and driving to see family in the mid-west MANY times, I have not seen any of the destinations that I mentioned. I am ready for something new and different. Cat boarding will be a must for this trip.

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The next couple of weeks should be pretty busy with school wrapping up. Summer will fly by with all the activity.

**As far as spending...

I treated BM to dinner on Friday night since dh was gone and LM had a birthday party. He chose one of the more expensive options, but it was just the two of us. Buffet, so at least I got my money's worth.

Dh went to a concert in the Bay Area and stayed with his bff, who is moving to Chicago soon. Glad they had some time together. I believe he was planning a script writing retreat next weekend (someone else is offering a place to stay this time - just trying to get away from distractions for 24-48 hours). This past weekend dh only spent $10 on food, but his friend had owed him for concert tickets (so paid the rest of his meals - I think he also visited his folks so probably ate there too).

I didn't get to recycle those shoes yesterday because a friend took BM to the birthday party and we were supposed to pick him up. Well, they hadn't realized how far away it was, so they just stayed and brought him home. Now I have to figure out what to with these shoes!! I may make a separate trip (lunch break some day?) to be rid of the shoes. I wonder if this place is anywhere near the realm of the college - I think it is. BM has some classes there in June. My work is a wee bit closer to the place (thought not a lot).

**Next weekend I want to get the final sweep of the downstairs, and the pool should be open. So I am not really expecting to spend any money. Maybe in June we will talk about something fun - a beach trip and/or some hiking.

**Today I redeemed a groupon. It's probably been well over a year since I have. It was a boot camp kind of thing. Between that and a coupon code I received 20 classes for $34. My aerobics class is 20 classes for $50, for perspective. This would be much closer to home, so cheaper on the gas too.

The downside is that it costs almost 3 times as much (full price) as aerobics class, but without all the gas, it would be a lot more efficient. (It will cost WAY more because I only have to pay for the aerobics classes I attend - this is 5 weeks for $139). I wonder if I really like the classes if maybe I can just mix it up a bit. (I can't see paying full price all year). The plus about this boot camp is it is early morning all week (they do offer one 6pm class). I do far better in the a.m., so I like all the a.m. options.

I don't know when I Can start the class, but hopefully SOON. Ideally it whips my butt into shape and kickstarts me a bit out of my current rut, but hopefully I don't like it too much because I don't want to be swayed into paying so much for fitness. There are plenty of other options out there that are far less expensive, is all.

**I ended up not doing too much yesterday. But happy with small chunks of work. I got through about 7 drawers in the kitchen (just cleaning - nothing to declutter). Easy work, but it was something. I will try to get through some of it this week, as to not be too overwhelmed over the weekend.

I am so excited to get rid of several Goodwill bags one week from today.

Oh, and I removed child safety locks on the silverware drawer. Safety locks because of sharp knives...

We only put these in a few strategic places, but I hear Siamese cats can get into a lot of trouble so I am going to leave the rest for now. That one was kind of annoying "we use this drawer 100 times a day" kind of thing, so I hope everyone appreciates the change.

**I've bagged up a lot of shoes to recycle tomorrow. Hopefully we remember to take them. I should toss them into the car while I am thinking about it.

**I was feeling very low-energy yesterday so didn't do a whole lot. I made some fruit smoothies for an energy boost.

**Dh was out of town, so I figured a car cleaning would make sense - lots of room in the garage. I just vacuumed out the van and tossed some trash. Was not a lot, but it looks MUCH better. The kids had been hoarding packets of sugar in the back (like, restaurant packets). I don't know what the heck. Always interesting finds with kids.

**While in the garage a bit I cleaned up a bit. There wasn't a lot, but a few old toys to toss and little bits of trash strewn around the garage.

The strangest find? The neighborhood kid had put this cute sprinkler thing across our driveway one day and I spotted them at Walgreens for maybe $7. I was very tempted, but for whatever reason resisted. Thought maybe I would keep on eye for summer or whatever. So I am tossing a few things in the garage and I come across this sprinkler thing in our garage. I set it out and at some point the kid came by. I asked if it was his and he said no because his was another color.

Seriously!?! Where in the heck did this thing come from? I SO do not remember ever buying it.

I am relieved I had not bought a second one.

**After all that I took a nap and made dinner and didn't get a whole lot else done.

**Oh, and dh found my MP3 player in the car. WOOT!! This should help immensely with the kitchen work. Music will make the time go faster. I am hoping to make some progress on the kitchen today - does not have to be a lot. I still have next weekend to finish the job and to beat my personal deadline.

I think I am going to scale back on the house cleaning and relax after May (upstairs in the Fall?). But I think I could probably do another run through. For example, I mentioned all the vases I have. I need to go through those and purge some, but it will easier to start with a clean slate. Right now I might have 7 or 8 bags earmarked for Goodwill (dh has a pile of books and toys and games of such, in addition to whatever I have found in the kitchen). So once those are gone and the cabinets are all scrubbed I may go through again. I am sure I passed up a lot of stuff because it was overwhelming. & this is why I every time I do this I find more stuff. I want to be more thorough this round. !! I've got all summer to be more thorough, in small chunks.

**Taking inventory of the garage: Not a lot in there, as I though. BUT, we were saving bags of soda bottles for someone or something. For the school? I don't know. We will toss into our recycle bin over the next few weeks and clear some space. In fact, maybe I should just take a load to work (we have a "recycle" dumpster). This should clear up some space for bikes and such.

**Speaking of the neighbor kids(s) - the sprinkler thing I mentioned above...

There's this new kid down the street who is 7 - an only child I suppose. I swear he comes by our house every single day with some brand new toy he wants to show off.

???

From a child standpoint, I honestly don't even understand "Keeping up with the Joneses." Some other newer neighbors have some electric scooters that BM is always riding. The next door neighbor has some cool bike thing that all the kids are always riding, and the across the street neighbor has an electric car for his live-in Grandson. So the neighborhood kids are always out riding his electric car around. This week it was walkie talkies and "slip and side" with the "new toy every day" kid.

So why would we buy anything for the kids??? Peer pressure, I guess? A feeling to contribute?

I suppose the downside will be when one day our kids breaks someone's fancy toy. But, until that day... Yesterday our house provided sprinklers and water gun water for the play time. Which means all the kids were in front of our house though we have no fancy toys to boast. I didn't think a lot about it at the time, but it is kind of funny if you think about it. Water from the faucet versus the $500 toy car. I suppose we contributed after all.

**BM wanted a fad toy that all the kids have at school. We said, "Sure whatever, if you want to pay for it." I don't think my kids have had very many of these lessons - they don't seem to have much of a sheep mentality. I don't know how much of that is nature versus nurture. I think a little bit of both. For example, I think by nature my spouse is a stubborn contrarian. For me, it feels very learned. I didn't have a fraction of the kids' self confidence at the tender age of 8 or 9.

Of course, LM is totally bored and uninterested in this fad, so only the elder child has caved.

**The county animal shelter takes shoes for recycling. Awesome!! It's just that it is WAY out of the way. I even tossed some shoes past weekend because lord knows when I'd be out that way again.

Well... BM has a birthday party in that area tomorrow. We will take all the remaining broken/outgrown shoes that we have. I just noticed a couple of pairs in the garage that could probably go. For the long run it will just be one more thing to remember, but we can keep a shoe stash and make the run once in a blue moon. & maybe we could find something closer to home, but I have certainly looked before.

**Just got a postcard re: charity pickup on Memorial Day. Woohoo!! I don't care who it is - they win all our crap. In addition, they were advertising for e-waste. This will save dh a trip to Best Buy. (Best Buy only takes 3 items at once?? So this might save us a few trips).

**I finally pulled the trigger on an elliptical purchase. Conferring with dh maybe saved me some hassle.

I have of course kept my eye on the used market and yadda yadda. I have been shopping for well over a year.

I think what has swayed me is the Money Mustache. I LOVE the gym membership but it's inefficient. I don't remember the last time I went - it SUCKS every January through March, at the least (all those New Years resolutions). I love the gym the rest of the year - get it all to myself.

Anyway, two problems with the at-home elliptical:

1 - At $15/month gym membership (& I am pretty sure they will offer me a lower deal when I try to quit) it's hard to breakeven on an equipment purchase.

2 - The size and weight and monstrosity of a good piece of equipment. I really don't want to deal with it. Extra so since I am storing my parents' treadmill at the moment. I'd maybe rather have a good elliptical, but the point of the treadmill is that it is high-end and totally free. {We have plenty of room, but just thinking more long-term. The long-term downsize plan}. & seriously, some of these ellipticals are 300 pounds!! We just don't have the muscle to deal with that - even just to get it moved in.

So... I finally bit the bullet on a new unit. It's in the $300 range, but was on sale. If it's not a total piece of crap it will get good use.

I was leaning towards Amazon just because their customer service is so good. Target had same unit at same price - not entirely sure why I discounted it. So, I ran it past dh before pulling the trigger (he is out of town) and he asked what about a local store, for easier returns. I remembered I had seen it at Target.

The thing about Amazon is if I call and complain and can't ship it back I know they will refund the money. So I think was mostly why I was leaning towards Amazon. But with our Red Card it was 5% off (cheaper) and free shipping at Target. So decided dh was probably wise. Target has always has great customer service for our needs. A good second choice. I maybe saved $15 going with Target instead.

Will see... I figure worst case we return it and it's back to the drawing board. I won't quit gym until I am happy with alternatives.

Why do I like the gym so much? Safer (not going to be outside in the dark), climate controlled in winter and summer, etc. & I am no fan of running - way too hard on the body. Power walking is okay but I much prefer the elliptical.

Our gym is only 4 miles away and had the awesome benefit of childcare, so was also a big plus when the kids were younger (doesn't really mean much any more). In the meantime, I feel like they have added no less than 5 unecessary lights on the main road, and it can often take 15 minutes to drive there. It's just gotten so inefficient over the years. So why I mention the Money Mustache influence.

Anyway, maybe this will hold me over until we get a closer discount gym - one I can walk or bike to. It will probably happen eventually.

How am I paying for this? 5% of my tax season overtime will cover it. I am not opposed to splurging. I just like to divorce the spending decisions from the income, if that makes any sense. Of course expense decisions have to be based on income and resources. BUT, I guess my point is we really avoid automatically spending windfalls. It's a-okay to just save 100% for a later time, for when a need or want arises. I think this makes for better spending decisions.

**Payday and I only have one financial transaction to transact: Pay off main credit card (which has always been paid off monthly). That's it until next month...

I will just never get over the irony that if you clean up your financial house you don't have to think about money very much. Too often it is assumed you have to think about it all the time and obsess over it. Kind of like dieting - that's not really the best/healthiest way to do things. Change your habits, build up money for a rainy day, and it should mostly be in the background. I love numbers so obsess over it at times, but other times it's just in the background. Lately I have been in more of a "finances in the background" mood. & this is probably largely a function of things going very well financially.

Credit card bill was $3,000 because it included about $1,000 in car repairs, health insurance is $900, Paid some dues and utilities that were reimbursed, yadda yadda. Wasn't a big deal. Car repairs happen and we have savings for that.

May is half over... Nothing big on the horizon for this month. Will see. The same credit card bill has a $300 balance after payment, $200 of that being a new garbage disposal, but the utilities and health insurance will hit around the end of the month.

Yes, dh ordered the garbage disposal FINALLY. Either we will attempt to install ourselves or ask for help. Not expecting to spend any money on that. (I am quite sure my dh is capable of handling it).

For whatever reason dh had got it in his craw to update car stereo. Suddenly it could not wait. Supposedly we are supposed to get Sprint 4G next month, but we have all heard that before... I am sure there is some element that dh wants to utilize full potential of phone when that happens.

Anyway...

The good news is they quoted him about $20 more that it ended up costing. Or, they just tacked on the tax cost to the installation when quoting. Which made it difficult to comparison shop. He had also talked to a couple of Best Buys and they both told him totally different costs. How frustrating!

Anyway, so the grand total was $270 after taxes and installation. We saved a ton going "last year's model." Now he's got the blue tooth and yadda yadda. For the last 20-ish years we have been making do with a cassette tape adapter. (I like that it was rather "future proof." A cassette adapter goes for $7-ish these days. It carried my older vehicles through the age of CD and it carried dh's vehicle - with cassette deck - through the age of MP3 and smart phones).

The new car stereo is fair enough. We only paid $7800 for the car and it was "practically new." Two stereo upgrades in 12 years is beyond reasonable. We would like to keep the car another 5+ years, and can always pull out the stereo system for our next vehicle.

The best part? It didn't cost us a thing in the end. (Not a penny from my salary, so does not impact our savings goals).

He had $120 cash from last focus group plus $100 prepaid visa card from furniture store (refund) and we just got another $50 visa card from another focus group a couple of days ago. It's almost eery how it all just totally matches. The cash is sitting in our bank account, so I will just add $120 to next credit card payment. He charged the $120 difference for credit card rewards. I was going to pay the credit card Friday. So it is all easy peasy. They took both visa cards without a problem. Phew!! (Those things can be such pain to use at times).

The only problem I forsee is since our cars aren't particularly his/hers, I am just assuming that there is another stereo upgrade in the near future. The van has a single CD player that doesn't work, a radio, and a FM transmitter for the MP3 players and phones. That said, I am sure "anything" would be an improvement and dh would be not so set on such a higher end model for the van. Since he does mostly drive the other car, especially for longer trips.

Will see...

As a follow up to an earlier post on my BHAG:

http://monkeymama.savingadvice.com/2012/09/14/progress-not-p...

I had posted about my goal to surpass $150k in retirement by age 35, which was a really huge/big/aggressive goal. So I did not beat myself up when I did not achieve at age 35. I knew I would be pretty darn close?

How close? About 5 months after turning 36. Because I achieved the goal yesterday. Well, I think that is AWESOME. Good enough for me...

If investments return 8%, than this means we are earning more than we are putting in, at this point. Since the only retirement vehicles at our disposal are the ROTHs.

I think this is why I am not feeling behind at all with the loss of work retirement plan. It was a very generous 10% contribution by employer. But it was invested conservatively for my mostly "retirement age" co-workers and eaten up by administration and investment fees. Compounding has easily taken over those contributions. Sure, another $8k per year to our retirement funds, in addition, would be awesome. But, it's just we aren't falling behind or feeling the pinch. & maybe $8k only felt like $4k with all the other factors, and we have been easily able to make that up. I appreciate that I had that extra compensation in the years we really needed it - very early on and our lowest income years (maternity leaves and such). This means our retirement was always growing very healthily and is why we were able to meet this goal.

I also just noticed that we surpassed the $200k mark on our investments. Woohoo!! $100k was surpassed some time in 2009. Which means it literally took about a decade to save $100k but only 3 years to turn $100k to $200k. $200k can turn into $400k over 10 years if we don't add another penny. The power of compounding at work. I have this large feeling that the early years were by far the hardest and that we are over that hump. This compounding stuff sure makes life easier.

I also think this is why it is hard for many to understand why my spouse has not had to work. I've said here many times that we always saved 100% of my spouse's income, which laid a nice financial foundation. Anyway, I remember someone telling me very early on that they "to each their own," but how they just could not neglect their retirement like that.

Neglect retirement? Who said anything about neglecting retirement?

I haven't really set the next BHAG for retirement. I am thinking I should just set it to "$500k by age 45." It's about as realistic as "$150k by age 35" felt. It sounds huge, but I know it is doable. A modest rate of return and current contributions (just the ROTHs) will easily put us to $400k+. So $500k is my aggressive twist on the goal. It should be easy to remember. I think that visualization is very important - our subconscious works in ways we don't even understand.

We don't really have anything big planned the next month or so, which is nice, because there seems to be a lot going on.

The kids went to a neighbor's big pool party the other day, and then BM went to a birthday sleepover. They were both just invited to another big classmate party (one each). Dh had been lazy and just grabbed some Target gift cards. He asked me if he should get more and I said, "You know, that would be $60 in one month." !! So, he will look out for some toys on clearance - something like that.

When it rains it pours. Historically most the kids' friends have summer birthdays, like they do. It can get kind of crazy. It's just the crazy started a little early this year. As for our own kids, I am thinking pretty low key birthdays this year.

Other things coming up...

Dh is going to a concert this weekend (out of town).

Next week is school open house and all this costume stuff.

The week after is our annual pool opening BBQ (woohoo - free food). Then the kids' last day of school (they always have a big BBQ).

So, we don't have much that we initiated or planned, but I think there is *plenty* to do.

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I had to share the new compartmental lunch things I got because it makes it so much easier to spice up lunch a bit.

Today's lunch...

The youngest is *loving* these pizza lunches. There is mozzarella cheese under the pepperoni. I experimented with just putting the sauce on the english muffins. I thought it was possible it would get too soggy, but I did toast it first to get it a little more crunchy. Anyway, no complaints from the youngest, so I made it a second time today:



As for BM... They both have appetites, egads, but BM seems to be worse at lunch. I put together some varied nuts, kiwi, and a ham sandwich on garlic sourdough. He then asked for eggs and pickles. I asked him to please eat the nuts last. I have no doubt he could eat it all, but they don't get a lot of time to eat. So, will be interesting to see what he had time to get through. We tend to make him double decker sandwiches to satisfy his appetite. Protein is a must.



These are also the water bottles I bought. The kids seem to really like them. So, just crossing my fingers that they hold up a while. They are rubbermaid and are real cheap at Amazon or Target. But the lids are kind of difficult to flip on and off and so I worry those will probably break first. In fact, I am surprised the kids have not complained more - but they seem happy with them.



We certainly drink our fair share of milk, soda, juice, but also see no point to send them to school with anything but water. I often comment that we *mostly* drink water, which I am sure is a huge key in our lower grocery bills.

I shared this link already as it is helpful to give lunch ideas:

http://www.100daysofrealfood.com/2012/04/19/school-lunch-rou...

Her angle is "Real foods" but I am just trying for a more "less plastic/trash/disposable" angle myself. Having the proper tools makes it so much easier. I should have bought these divided containers like *four* years ago. We've always utilized these non-disposable containers, but made it harder to add more sides. Anyway, I am glad I have the tools to do so now. I also have a lot of smaller containers to utilize now - I included some ranch dressing with the kids' carrots last week. The new containers were perfect.

I looked up my old blog posts to see what the final "out of pocket cost" was for our 2012 Sectional Couch upgrade.

Total cost: $525
{We shopped carefully, paid with credit card rewards, and sold old couch to whittle down the actual cost}.

Well, we can bring the total down to $425. !!

We noticed some pink stains under the ottoman. We had noticed them before, but when we got the carpet cleaned and the stains did not come out, this really riled up dh. (Especially considering how filthy our carpets were and how brand new they look now and how all the other stains came out. These are probably the "newest stains" on the carpet, but they are doozies).

I feel pretty "meh" about it because it's under the ottoman and I figured these carpets are mostly toast anyway. The stains are not super obvious due to our carpet choice (which was chosen in an effort to hide pink stains because our cat was always puking up pink food). But dh wanted to go complain and ask for some financial compensation.

They readily appeased him with a $100 visa gift card. It never never never hurts to ask. I sometimes feel like a large percentage of our wealth comes from simply *asking.* & it's so beyond rare when people ever say "no!"

{When I think to all the haggling and price matching and legitimate complaining we do, and "non-refundable" refunds we have asked for, it easily adds up to *THOUSANDS* of dollars over the years. I think this is money that most people just leave on the table}.

Anyway, I informed dh he could apply the gift card to his Amazon account. (I knew this because received a visa gift card for Christmas). He seems pleased with this option.

He does want to buy a new car stereo and a new computer, and so I probably rather he use against one of those purchases. He told me that while he was out anyway he was going to do some stereo comparison shopping. So, will see...

The furniture store was really nice. We ended up at a small store. & I think one reason dh wanted to go complain was because they were right down the street. (A long drive might not have been worthwhile). In addition to the $100, they said they were complaining to the manufacturer about the colored adhesives they use on the bottom of the furniture. So, beyond getting $100, maybe we can save someone else from pink stains in the future. IT seemed like they genuinely were concerned and following up with the manufacturer.

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This has been quite a month for extra income.

**First off, the 4th graders are doing a Pinoeer day this month. Send me your frugal, "make do with what you have" costume ideas, PLEASE! I saw a local rental place for $15, but I decided that is ridiculous. I am sure worst case I can put something together for $15 (that younger child can eventually use). But I doubt we need to spend that much.

This is the year of costume. I already bought a beret earlier in the year for my little "Picasso."

**Around the same time, LM has to be a little pig. (I swear, we have never been asked to bring a costume for anything before - good grief).

Supposedly I am a very creative person (the tests say so), but it doesn't come out in an artistic creative way. I just feel so "DUH..." But I perused very briefly online and quickly came up with very many ideas. How did we survive before the internet?

Anyway, how cute is this?!?



I am so NOT artistic, but I think I can figure it out. & if not, dh can. {It just looks so simple, but so cute}.

I also stumbled onto hot pink construction paper in my decluttering efforts, and LM approved.

I had no idea I had any construction paper, so am making a mental note that we need to find a place to store all things craft for when things like this come up.

**The theme is definitely "costume." A local family is collecting Halloween costumes for homeless children. I am sometimes skeptical of these efforts, and since it is only May I am definitely skeptical. BUT, we have a couple of costumes we keep forgetting to sell at ideal time, and I am in purge mode, so consider it done. I asked dh to drop them off this week. {& yes, it would be awesome if these costumes actually ended up with homeless youth}.

We had: One Nemo costume, a Spiderman costume, Winnie the Pooh, and a karate uniform and a baseball uniform. The karate and baseball were not initially Halloween costumes, but they are long outgrown so I figured what the heck.

**That reminds me, my initial reaction was to keep the Karate uniform. Then I thought, "Wait, when was this last worn? Age 5!?!" Kind of my doh moment that my baby (& his little brother) are not 5 any more. In fact, the eldest is almost as tall as I.

**I don't know how dh lucked into this focus group, but he did one yesterday for Sony streaming products. Boy was he in his element. !! They were trying to get some feedback on a movie/music/game streaming service. Dh's input was, "Stick to the games." They want to jump into the streaming game, understandably, buy it's not like they can really compete with the likes of netflix. & as dh pointed out, he uses the Playstation network and is happy with it, but he is not buying a Playstation for every TV in his house (& obviously competing TV manufacturers will not put the Sony network on their TVs). So they have a lot of logistics to sort out.

$120... Which brings his focus group earnings to almost $500 for the month. He is probably disqualified from doing any more for a year. I think he was able to do this one because last one wasn't really a traditional focus group. They like you to do no more than one per year (though sometimes they fudge when they are desparate for participants).

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Oh, and a few things on the medical front:

1 - Dh had his annual MRI over the weekend. Holding our breaths (though at this point, no new is probably good news).

2 - A family friend is having facial nerve issues (the same nerves that my dh's brain tumor affected - face and ear). So, we are worried about him. He is unemployed, broke and has no (or crappy) health insurance. What a mess. {His net worth is probably negative, though he is in his 60s}.

3 - My mom got her first good blood test results since the flu I gave her in JANUARY. Her doctor was getting concerned about cancer and wanted her to get a CAT Scan. She was stubborn and refused, which I have very mixed feelings about. (CAT scan could have been overkill and I know there are radiation concerns with certain cancers, but I think she could have asked more about alternative tests. & lord knows when my dh's brain tumor ever would have been diagnosed without the hunch of his non-nuerologist Doctor - after two neurologists said he was 100% fine and needed no brain scan - so I really believe in Doctors' gut feelings and sometimes non-logical judgement). But since everything is back to normal, I don't think he is concerned about cancer now. Phew!!

I had to share because this seems to be one of those things where going cheap has never paid off for us (though always seems strongly encouraged by the frugies).

General rule of thumb is to only clean or replace or use up items "half as much" as recommended. Or even less. My other rule of thumb is I'd rather work (to pay someone else) than do a chore that I Can not stand. (There are plenty of chores that I don't mind and am not strongly opposed to. The list of chores I'd rather pay someone is pretty small, but makes life a lot nicer).

Carpet Cleaning...

We had someone come in and do the carpets for about $40 early on. Maybe every 2-3 years was a fine schedule. (I am sure they recommend every year).

Would I rather pay someone $40 to handle it or go through the hassle to rent out a cleaner. *no brainer*

Our carpet cleaning guy disappeared, and so we have been in carpet limbo for many many years. Saving Advice talked me into buying a carpet cleaner. Meh. I don't regret the purchase as it has come in handy (particularly in recent years) to clean up pet messes. BUT, cleaning the carpet would take probably days with this stupid thing and it's not very good (nothing at all compared to professional grade). So, I don't think it has been a useful purchase. But, hey, I got it and maybe cleaned the worst areas of the carpet once.

We were initially thinking of going petless when our cat passed, and new carpets were on the horizon. The kids had really thrashed the carpets (we were way too tired - with babies - to clean every spot as we went and deal with it at that point - a few years later and it's so overwhelming). The cat also did a doozie on the carpet in her final months.

Our family room is where most the cat/kid mess is, so it's not horrible - would just be one room to replace. We also had quite a cat mess in the other room (kept litter box in distant corner - no good non-carpet surface to keep it). I really wanted to clean that corner up ASAP but we didn't get a carpet cleaner out until this week.

This place was recommended as "reasonable" and awesome, and I checked online reviews to see "stains disappeared forever."

After being quoted to pay $150 for what we once paid $40, I was not sure on the "reasonable." One large room, a hallway, and the cat corner. Dh might have said "2 rooms and a hallway" which is a fair approximation. BUT, I had high hopes they would do a very good job, so we bit the bullet.

They came over at 10am yesterday. Dh called me around 1:00 yesterday to tell me they were still cleaning. O.M.G. {I think this speaks less to our mess and more to how thorough they were. Maybe a little of both}.

I was so pleased to come home to a house that did not *at all* smell like chemicals. They cleaned up the pet mess like new - it is sitting right now with a special enzyme treatment. The carpet looks brand new.

**The bad thing about this is I don't really see the point to clean them again for another 10 years or so. If we can abuse them like that and they can look this nice with one cleaning. **

& the word is the carpets will stay like this. The stains won't creep back up. So, will see...

As of today, I am a convert. Screw this do-it-yourself, or cheap carpet cleaning people. Do it right and we can keep this carpet for many decades (which is also way more environmentally sound).

So, we are going to give it a few months (see how things settle) and then probably get the stairs and the upstairs carpets cleaned. (They aren't bad at all as there are no shoes or food allowed upstairs. Cat did not mess much up there). At this rate it might be $200+ to get 3 rooms and our large/open hallway done, but I think it will be money very well spent. (We have never cleaned the upstairs carpet - so it probably could use a scrub). I am crossing "carpet replacement" off our to-do list. I am crossing it off our near-term and our long-term to-do list. I doubt we will replace this carpet ever. Since we only plan to be here another 15-ish years.

So, saving that much money in the long haul makes me VERY happy.

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In other semi-related news, the 2.75% 15-year refi is an evil temptress!! Dh and I had a long talk about it over the weekend. On some level I think we could mostly flip a coin. But, we keep coming across two sticking points when it comes to tying up all our cash in a 15-year mortgage:

1 - We strongly believe in balance. We definitely are the most relaxed we have ever been on one-income and I am reluctant to give that up. We both are. We are richer now and saving more than ever before, so it's not like we have to try as hard as when we were in our teens and 20s. (We also to this day still have less income than we did earlier on, with the one-income situation). As far as "richer" I mean we have more assets. Most our savings is getting invested and compounding since we have far less short-term savings goals and pressures.

2 - We keep coming back to the point that a 15-year mortgage would pay off our home around the time the kids graduate college. BUT, we were just starting to get to a place to *start* to save for college.

We feel like it is better to keep borrowing at 4% (which is hardly anything!) and to 100% never have to borrow again. I am not sure I want to put ourselves in a position to have to borrow (at a likely higher rate) for college. & yes, I have said many times I am not overly worried about it and that college is quite inexpensive here. But I also believe in keeping as many options open as possible. So, we both think it's probably better just to lock in a good 30-year rate for the future.

It's just hard for us to get worked up about the mortgage. We got to have somewhere to live and if we had rented this entire time we would have paid a gajillion dollars more. It's hard to get worked up about the $600/month interest we pay to live in our *dream home* in *California.* It's infinitely less interest and payments than we initially signed up for in 1999 (8.25% on first home. We were paying about $1400/month interest on a CONDO, and renting the condo would have been about $3k per month. This is why it's hard for me to freak out about our current mortgage situation. My housing "Set point" is crazy high. To rent our current home would be $2k per month).

& finally, what would my wiser financial mentors say? Keep the mortgage. Not forever, but just for now.

The reason the 2.75% is such an evil temptress is because we do expect more income and windfalls in the near future. I kind of feel like we should lock it in. BUT, we decided we don't count our eggs before they hatch. This is the most basic of financial principles that we have always followed. We will survive. I think we would survive if we refinanced too, but I think it would be unnecessary stress and pressure.

I am going to keep an eye on 25-year mortgage rates. Rates are getting low enough that it might make sense. I have to run the numbers and doubt we would do this today, but if rates stay low a while, this might be a better compromise.

Yes, I am keeping debt to stay out of debt. But I am choosing debt that has been good to us and we have never had a problem with.

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In other real estate news - I saw final sales price on recent home sale. They asked $375k and sold for $381k. Our home will definitely be worth $400k come summer (if not already). That $381k home sold in minutes. What I am curious about is if homes will zoom past $400k. It seems like a logical tipping point (that things would slow down at $399k) BUT with these low interest rates and home buyers being so "monthly payment focused," I will not be surprised if home prices blow past $400k this summer. I don't think it's sustainable in the least, but it's where things seem to be heading. Will see...

This puts our home at 50% equity. We did not overtly discuss this point in our refinance discussions, but may be in the back of my mind. The main reason we were hitting mortgage so hard in recent years was because we were losing so much equity. Was fighting just to keep 20% equity. Was very important to us to keep that flexibility. Succeeded - saved by the bell. We bottomed out right about 20% equity, and then things bounced back in a flash. It's less pressing now. We are still paying down mortgage much faster than historically, because of lower interest rates, and mortgage chips. So it's not like we are totally ignoring it and not paying down faster at all due to large amounts of equity. We have most certainly learned that equity comes and goes - just try our best to stay ahead of the curve. This time we lucked out. (It got awfully close towards the end of the bottom!!)