Thursday, March 26, 2015

Struggling

I feel like I've been struggling lately with feeling down in the dumps.  I don't know if its just the time of year or if it is depression.  I've been trying to get birth control figured out and its made me very tired, cranky and not myself.  I think that combined with a natural tendency to be a bit manic depressive has been weighing on me.  I need warmer weather and sunshine.  That will make my world a brighter place.

Wednesday, March 18, 2015

Spring Online Shopping

This morning at work I did a bit of online shopping.  I spent around $115 on seeds and plants for my garden.  I buy certain things online that I can't find here.  I bought 5 types of cucumber seeds, apple, burpless, pickling and white cucumbers.  I bought at least 6 types of pumpkins, Lady Godiva, moon, Kaikai, warty pumpkins and regular ones for Jack o Lanterns.  I bought 3 types of potatoes, red, yellow and fingerling ones.  I also bought sweet potato plants for the first time.  Persian carrots, Indian corn, parsnips and peas were also purchased.  I also bought Walla Walla onions.  I also bought a couple melons like Minnesota Midget and a short maturity cantaloupe.

I will still need to buy more of the ordinary seeds like spinach, corn, radishes, beans, okra and beets.  I will also go to the local nursery to buy tomatoes, several types of peppers, eggplant, cabbage, celery, broccoli and cauliflower.  I also want to buy several plants of fresh herbs.

I know I spend a lot on my garden and I don't feel guilty about it at all.  Gardening is my hobby that relaxes me and feeds my family (at least somewhat). I like planting new things and seeing how they turn our or don't.

Do you garden?  Are you itching to get your hands dirty?  What's the most unique thing you plant?

Tuesday, March 17, 2015

State Tax Refund

I was too cheap to pay the $35 to file my state taxes with Turbo Tax.  I printed off the form, filled it out and sent it in via snail mail.  I mailed it the last week of January.  I just thought to check the status today and it was received.  Who knows how long before we get our refund of $196.

I also made another payment to the pick-up bringing the balance to $7000.  This will be the last payment for about a month except for my reimbursement check.  I want this debt gone.

Saturday, March 14, 2015

Debt Payoff

The only debt we have is Y's pick-up.  We bought this is July 2014 for $30,000.  He had a trade in with his old pick-up for $3000 and we put $10,000 down.  We put $2000 on a credit card which we paid right away and financed $15,000 at 2.66%.  My thought when we financed it was to divert our money into our retail stock account rather than pay extra on this loan.  My goal was to have at least $15,000 in our stock account by the end of the year.  We actually had $20,000 at the end of 2014.

This brings me back to this loan.  I've been paying between $5-600 monthly on it.  The balance the beginning of this month was $12,000.  Y and I decided that we want this debt gone.  We want to lower our monthly obligations and we are waiting for a market correction.  I paid $200 earlier this month when I received a reimbursement.  Yesterday for payday, I paid another $3600 to it bringing the balance to about $8200.  I want this gone ASAP but I'm not willing to drain our savings account.


Sunday, March 8, 2015

I Miss Some Bloggers

I miss some bloggers and wonder how they're doing.  I miss my boy Rafiki.  Are you married to P?  I miss Canadian Saver.  How are your horses and cats?  I miss Judy.  How are you coping and what's going on in your life?  I miss Sunflowers.  How is married life?  I miss Sarah.  How is it with 2 kids?  I miss Dog Ate My Finances.  You were so snarky but I mostly agreed with you.  I miss Money Mate Kate.  I loved hearing NYC massage stories.  I miss Schtinkykat.  How is your new pad?  Tanner, how are you?  Are you still around?  There are so many others that have stopped blogging and I always wonder.

If any of you are reading this, come back and give us an update.

Monday, March 2, 2015

Grocery Spending

Our grocery spending for February was $694.  Combined with January, that puts us at $1161 for the year, under my goal of $600 a month.  February was more expensive because we needed to stock up after eating the fridge and pantry down in January.  I also made a stop at Trader Joe's when I was in the Twin Cities last month.  I love that store.  I love the cheeses, the produce, the pasta, the sauces, all of it!  The prices are so good there compared to my town.

Lil Bud has really started to eat a lot.  I've had to cook more food to feed us all.  I still take leftovers for lunch everyday.  Y shops for groceries just for his lunch and keeps them at work.  I've also started to occasionally pack lunch for Lil Punk.  Overall, we're just eating a lot more food which translates to more spent at the grocery store.

We spent $134 on eating out this month.  That included me treating my friend to lunch, a play date for Lil Punk at McDonald's, having tacos with Y when he was working late and a few other lunches out.  We eat out very infrequently and I don't see this as an area of concern.  Unless we're in town for a specific event, its harder for us to go out to eat than whip something up at home.  We even had a special Valentine's dinner at home with delicious shrimp from Trader Joe's.

How was your February for grocery spending?

Saturday, February 28, 2015

Comp Plan Change

I'm in sales and compensation plans are always changing.  Mine is changing as of next month.  I probably should be happy but I'm not.  The new plan has a higher incentive for higher sales but lowers our guarantee.  I've never had to rely on my guarantee.  Furthermore, with the new plan, I would have made an additional $9000 last year.  I guess this is further reason that we need to live far below our income so we can offset any unexpected income changes.

On a lighter topic, I'm making dark beer beef stew today with carrots, parsnips, and new potatoes.  I'm using Amber Bock to make the sauce.  It should be delicious!  Has anybody ever made dark beer stew?