When I was working I needed to manage the inflow of new money - making sure it was supporting my goals and was available when needed to purchase things. I had reserved funds that were being built up to make future purchases. Now that I'm retired I don't have the new money coming in every 2 weeks. Now there is just a big pot of money and the only new money comes from interest, dividends or capital gains on that money.

I no longer keep my reserved funds spreadsheet. I do however continue using my tracking spreadsheet, with some slightly different categories. My goal now is to make my money last throughout my retirement, while still living a comfortable and enjoyable life. To accomplish that I want to spend less than my investments appreciate each year.

If I need to make big purchases I can, just not all in one year. I plan ahead on when I think I will want to make a big purchase and then try to cut back on other things that year. For instance next year I want new carpet, so I hope my health expenses are not as high as they are this year.

I don't have a budget per say, it's more of a guideline, that I'd like to spend about this much on this category. For example, I'd like to keep my overall month to month spending between $1250 and $1500. On top of that I might add some higher one time expenses like property taxes, health care expenses or a new TV and keep overall expenses at less than $20K for the year. I usually decide at the beginning of the year the amount I would like to spend for the whole year. This year it was $18K, but I will go over that because of the unexpected medical expenses.

Each month I track the following categories. These are the ones that interest me and that I like to understand where the money is going.

Groceries - $80/month includes food, personal care, cleaning, paper products and pharmacy items.

Eating out - I budget for this category because it can get completely out of hand if I don't watch it. The goal is to only eat out only 2 x's a week and spend less than $100/month. When it gets too high in terms of either money or number of visits, I really start watching it and cutting back. This is more for health concerns than money ones. I love eating out and don't want to completely cut it out, however I think I eat healthier when I limit it.

Utilities - $380/month includes HOA, electric, heat, phone/internet and TV.

Gas - $40/month

Xmas - $600/year - many months have no entries in this category or the next 2.

Gifts - $500/year

Insurance (house and car) - $760/year

Health - $400/month for insurance and prescriptions and then whatever deductibles/copays I need for the year. This category will go up next year.

Charity - $20/month budgeted for food pantry donations, plus whatever else I do thru the year such as Toys for Tots, etc.

Misc. - I have a hugh misc category because I want to track how much I'm spending, not necessarily what for. So this includs everything else I spend money on from property taxes to car repairs, new TVs and computers to clothes and housewares, car licenses, entertainment etc. No set budget, just keep it reasonable and within the overall guidelines of monthly/yearly spending.

I used to track books too, but since I get most of them free thru swagbucks and credit cards rewards, the few I spend money on just go into the misc category now.

Each day that I shop I come home and write the numbers in my spreadsheet, then once a month I enter them into the computer and see what it totals up to. If the total is over $1500/month I try to find out why. Property taxes were due, health care costs whatever. If there's no obvious reason I try to see what category I'm overspending in and watch it for awhile. As long as I don't go out of my goal of spending less than my investments make for the year I don't worry about it too much.

I know myself well enough to know I'm not spending frivously so whatever I bought was for a reason and as long as I don't get ridiculous it's not worth worrying over.

I finished reading the library book A Mighty Fortress by David Weber. Sci/Fi - excellent.

Before I retired I had a spending plan. This method of tracking spending evolved over a number of years. Basically the plan was to have money available as it was needed to buy the things I wanted. It was based on what I had spent the previous years, what I made, what my goals where and what I wanted to buy that year. It was frequently modified as I recieved raises, my expenses changed or my goals changed.

My paycheck was directly deposited into my checking account every other week. Once a month I would make deposits to my savings account. As money accumulated it would be moved from savings to either stocks or paying down my house. My spending plan was based on recieving 2 paychecks a month. Those 2 months a year when I got 3 paychecks a month, the money was allocated to investments - either stocks or prepay the mortgage.

I kept $3-5K in my checking account as a baseline. I knew all my expenses could be covered for a couple of months with that and I didn't have to worry about running over. I also kept 3 - 6 months of expenses in my savings account. Once it got to 6 months I frequently put half in savings bonds or some other investment.

Before my check was deposited in my checking account I had the full amount I was allowed to invest in my 401K taken out off the top. I invested the full amount allowed every year since I was 30. I also took out short-term and long-term disability, health insurance, and an amount for flexible spending on health care items based on what was used the previous year. I tried to make sure my tax deductions were set up so I was as close as possible to owing $0 when taxes were due.

At the beginning of each year I would set my financial goals. The major one was saving for early retirement and I tried to increase the amount saved by at last $1 each year. After that I kept a list of short-term goals such as things I wanted to buy when I had saved up the money; New chair, vacation etc. I would pick what I wanted to buy for short-term goals at the beginning of each year. I generally allocated about $100 a month for that. So my goals might be

1. completely fund 401K
2. completely fund Roth IRA
3. put $5000 toward prepaying mortgage
4. put $600 in vacation fund
5. Buy new chair $400 - 500
6. buy $5000 in stocks with any extra money

Once the goals were decided, I started figuring out how to make room in the budget to fund those goals.

Most of my monthly fixed expenses were paid automatically in one fashion or another. Monthly fixed expenses were taken off the top of the budget and included the mortgage, HOA, heat, electric, phone/internet, and satellite TV.

After monthly fixed expenses were occasional fixed expenses: house and car insurance and property taxes. Based on the previous years amount I determined how much was needed each month and it was set aside in my checking account until needed. I had a spread sheet I called reserved funds where this money was tracked month to month. Accross the top of the spreadsheet was listed Jan - Dec. Down the side was each category I wanted to track. Categories included Emergency fund, car insurance, house insurance, property tax, xmas, gifts, short-term goals, maintenance/repair, new car, investments and miniatures.

Then each month I would add or subtract to each column based on whether I was saving money for something or had spent money for something that month. That also let me know that $4500 of the money in my checking account was reserved for other things and don't touch.

After fixed expenses came items I was saving for. These were tracked in the reserved funds spreadsheet. I bought my car new and expected to keep it at least 7 years. I was putting aside so much per month so that I would have the total amount when needed. At one time I was putting aside money for my neices collage also at so much per/month.

I had a category I called Maintenance/Repair which was for car repairs, appliance breakdowns, etc. This was funded monthly until it got to a certain dollar figure. After that I didn't put money in the fund until I spent some and had to restore that money.

I decided at the beginning of the year what gifts to give and how much to spend and tracked that amount each month in two categories xmas and gifts. The xmas fund might build up for several months before I ever spent any of it, but was there when needed.

Short-term goals was another fund and might include more than one goal, for instance a new TV and a vacation. New carpet and a new computer.

Investments was another category and could include more than one thing. For example I might put aside $500 a month to fund next years Roth IRA in January and also put $500 a month towards pre-paying the mortgage.

Miniatures was my hobby, but I didn't spend money on it every month so a certain amount was set aside each month and maybe the entire amount would be spent in one month of the year.

The savings/reserved money categories included the following:

Car Insurance
House Insurance
Property Taxes
New Car
Collage fund
Maintenance/Repair
Roth IRA
pre-pay mortgage
new carpet
vacation
miniatures
xmas
gifts

After those categories came the few variable categories that I wanted to track and a large miscellaneous category. At one time I tracked clothes, but after a couple of years I saw that I spent between $300 and $600 in clothes every year and it was all needs. I don't care about clothes so since I knew I was only buying what I needed I quit tracking it. Entertainment was another category I stopped tracking after a couple of years. I did it, I just didn't think it was excessive and knew it wasn't a category I cared about that much.

I want to know how much I'm spending, not necessarily on what. I only track categories that I'm interested in learning how much I am spending in that category. Pre-retirement those categories included groceries (all cleaning, paper products, pharmacy and personal care items were included in this category), restaurants, neices, gas and books. Everything else was tracked under misc. Amounts of planned spending in these categories where based on what had been spent the previous year and if I was happy/unhappy with what I was spending in each category. These were categories that could easily get out of hand when I didn't pay attention to them, which is why I tracked them, it helped to keep them under control.

I used a spread sheet to track monthly spending. Accross the top were the categories I was interested in. Down the side was 1 - 31 for each day of the month. If I bought groceries on the 6th then I would put the amount in that column/row. Then I would the total the amount in each category at the end of the month. It was a simple way of tracking for me. I still use this spreadsheet for tracking, but some of the categories have changed.

Basically that was it for the spending plan. Seems more complicated than it was. Anytime I got my 3rd paycheck a month that was invested wherever the decision had been made at the beginning of the year. Sometimes money built up from unusual sources or bonuses or whatever and I always had a plan for unexpected money, usually savings or pre-pay the mortgage. Ocassionally some of it was used for fun.

I will do a seperate post on me spending plan post retirement.

I finished reading my book All the Wyers of Pern by Anne McCaffrey. Sci/Fi - very good.

Dad took me to run some errands this morning and to the grocery store to pick up prescriptions. Walgreens first. My king size automatic on/off heating pad quit working Tuesday and Walgreens has these on sale so I got one for $28 with a $5 rebate, so final price $23. I also got 3 jars of Skippy peanut butter for $1.50/each - 3 .60 coupons so final price .90 each. One goes to my neice, dad wanted the other 2 so I sold them to him for $1.75. The change worked out better than $1.80.

At King Soopers I picked up 2 prescriptions and used another $25 grocery coupon so $25 more in free groceries added to my card. I also got paid to buy 3 Suave deodorants that will go to the food pantry.

2.64 - 3 Suave Deodorants @.88/each
.18 - tax
-----
2.82
-3.00 - 3 .75 q's doubled
-----
.18 moneymaker

I got a coupon from cellfire for $1.00 off anything for adding 10 coupons to my card so I got 2 Mars Simply Caramel bars for free.

I also got some bananas free using my pharmacy grocery rewards.

Spent $5.85 on the two prescriptions, have another to pick up next week and another coupon for $25.

Cellfire let me win another $1 off anything coupon today, so I'll get something else free next time.

I got 3 free samples in the mail today: Wisk, Dove deodorant and 5 Mega Red pills.

Walked a little at Walmart and picked up a free footlong Subway ham sandwich for lunch and dinner. I still have about $3 left on my gift card from xmas.

I got a notice of a $40+ per month increase in my health insurance for next year, that's over 10%.

I finished reading the library book 10 things I love about you by Julia Quinn. Romance - ok.

I went to bed at midnight last night and woke up at 9. I got up and turned the heat up and went back to bed for a 1/2 hour. I had to turn the heat on the day before my surgery, Nov 9, which was very late this year. We had a long Indian Summer, but we got snow that day. Since I've been home from the hospital I'm keeping it higher than normal, because when you have a bunch of holes in them it hurts to clench your stomach muscles from the cold when you walk from the bed to the bathroom or around the house. Normally I don't notice that slight clenching of muscles. I sure do now

I took a long hot shower, got dressed and ate breakfast. I sat down in my chair and dozed off until 11 when mom called to go walking. We went to Walmart and walked about a 1/3rd of our usual route. I was exhausted. Came home, changed clothes again and sat in chair and dozed until 3:00 pm. Ate lunch, watched the news, came up here to work on the computer a little and ready to doze off again. It's ridiculous. I'm fortunate that I'm in a position where I can do this and don't have to rush back to work and try to cope with getting better and doing a job.

I got a sample of Tide detergent and a Glad trash bag in the mail.

I finished reading the library book Sword of Orion by Sharon Lee and Steve Miller. Sci/Fi. Not that good, in fact I'm not going to bother reading the sequel. I really love thier Liaden Universe series, but haven't found anything else of theirs that I like.

I had my kidney surgery last Wednesday. It was supposed to be a partial kidney removal, but once they got inside the position of the tumor to the other organs made it imposible to do the partial kidney removal and they had to take the entire kidney. The surgery took 4 hours and then I had a very hard recovery. I was in recovery for another 4 hours. I was panting and it was very hard to breathe. Some air got trapped outside of my lungs and they had to make sure that disbursed. This is similar to what happens to divers who go too deep and then surface to quickly. It's very painful.

On top of that the anesthesia caused me to have nausea and I spent quite a bit of time throwing up. Throwing up with 6 holes in your stomach is very painful. I was finally taken to my room but it was so late my parents weren't allowed to bring my case to the room - so no earplugs to help me rest.

They gave me pain ball that inserted pain medicine directly into the incision site and I also had a morpine button to push as needed. It really didn't seem to work. I didn't expect to sleep that first night and I didn't. The next day was slightly better, they took the catheter out in the morning and I was able to use the restroom by myself. They gave me liquids and introduced solids later. I was able to handle a small amount, but wasn't very hungry. Because the surgery was more invasive than orginally planned I ended up spending two nights at the hospital.

They gave me pain meds instead of the morphine button the second day and that was great, it actually took all the pain away. But they came in and said they were taking my morphine button away and giving me the meds so they unhooked the morphine and then forgot to give me the meds. So about an hour later I asked if they planned to give me the meds and they totally forgot. They asked what my pain level was and it was a 5 by then so they hurried up and got them.

The second night was a nightmare. I had my earplugs by then so was actually able to fall asleep now and then, but I swear they had a camera on me and as soon as I had 10 to 20 minutes of sleep they would come in and wake me up. I just do not understand the hospitals mindset, how can waking someone up to do a blood pressure check every two hours be more important than letting them sleep and allowing them to relax enough so their blood pressure becomes normal. I live alone and having people just walk in your room when your are sleeping is alarming. I frequently woke up when they came scared to death. That can't have been good for my blood pressure. Needless to say I was exhausted the next morning an begged the doctor to let me go home.

I went home Friday and slept most of the rest of the day, most of Saturday and a good portion of Sunday. Now I get up and do things for a few hours and then get tired and doze off for an hour or so in my chair then I'm up again. I'm just letting my body tell me what it wants to do. Not eating a lot, not hungry. I walked a little bit in Walmart yesterday, about a quarter of the usual walk. I'm down to taking pain meds about twice a day, once in the morning and once before bed.

I expect everything will be back to normal in a couple of weeks. If I ever have another surgery though (my mom says I'm not allowed to have more surgeries ), I will go back to the first hospital I went to with the original kidney stone. It is better in every way except for the gift store. It is more efficient, the nurses are better, they pay attention to privacy, it is cleaner, the food is better, just all around better.

Mom liked the gift store at the second hospital better and made 3 trips the 3 days I was there. Dad said I needed to go home so she would stop spending moeny.

The first day after the surgery I had a liquid diet for breakfast, then they brought me lunch. A hugh chicken breast with no flavor, 1/2 mashed potatoes with no flavor, green beans (didn't try them), a large roll, a large salad with dressing, juice, and chocolate pudding. A huge amount of food. I ate half the chicken breast, the potatoes, the juice and 1/2 the roll. Then they asked to make out menus for dinner and the next day. I did that, but they called me before dinner and said they lost them, what did I want for dinner.

The next morning for breakfast they didn't bring what I ordered instead for someone just out of surgery, with diabetes and high blood pressure they brought a fried croissant with egg, cheese and ham inside, two fried potato cakes, juice, an apple danish, and a bowl of oatmeal. I scooped the egg and cheese out of the croissant and ate that and 1 of the potato pancakes and the juice, then I was full. Dad got the danish.

Ah well, it's behind me now. I'm in my own home, with my own bed, my own chair, my own food. Now if people will just stop calling me as soon as I doze off :0

I only a read a couple of books, just didn't feel like doing anything. I read the library books Big Jake by J. D. Robb. Mystery - very good and Veil of Night by Linda Howard. Romance - pretty good.

I'm spending most of the day getting ready for my surgery tomorrow. Picking up the house, doing laundry, packing and groceries.

I went to Rosie's this morning and purchased 10 $10 gift certificates for $80. I used my Discover card so will get another $4 back in rewards.

Next stop Safeway

3.98 - 2 jars Kraft light mayo
-1.00 - q
-----
2.98 - I was almost out. Used to get this free all the time, but have had to pay the last 2 or 3 times.

1.98 - 2 Tide trial size
-1.98 - 2 q's
-----
FREE

4.99 - 2 Oscar Meyer carving board turkey breast BOGO
-2.00 - 2 $1 q's - were right on the package
-----
2.99

Went to King Soopers for 2 more of the Mega deals, plus milk and bananas. Prior to coupons the price was 42.11. $10 in Mega deals discount, 17.98 in coupons and 14.13 in pharmacy rewards. 0 out of pocket.

3.96 - 4 Propel waters
-1.98 - 2 BOGO q's
-2.00 - mega deal discount
------
.02 money maker

.99 - 1 Chunky soup
-.99 - .50 q doubled
-----
FREE

8.04 - 6 cans Hormel chili
-3.00 - 3 .50/2 q's doubled
-3.00 - mega deal discount
-----
2.04 - food pantry

10.00 - 2 6 packs Olay bar soap
-10.00 - 2 $5 off wyb 1 secret deodorant
------
FREE

3.96 - 4 cans Swanson chicken broth
-1.00 - q
-2.00 - mega deal discount
-----
.96

4.58 - 2 Secret deodorants
-1.00 - mega deal discount
------
3.58 - bought to get the free Olay deodorant, 1 goes to grandma and 1 to mom

4.30 - 2 Stouffer's frozen dinners
-1.00 - mega deal discount
-----
3.30 - I used to live on frozen meals, but I hardly ever eat them anymore. I got these in case I don't feel like cooking for a while after the surgery.

I finished reading my book One Enchanted Evening by Lynn Kurland. Romance - very good.

My youngest neice had the day off of school for a teacher workday today. My sister had to go to Boston so my mom had her for the day. We all went xmas shopping. She's a teen-ager and it's hard to get time with her anymore, so mom and I team up to get both of us in.

First stop Walmart. Neice wanted a new camera which mom got for her. I got her the Toy Story 3 DVD. I got a robe for the hospital for me and the new Toby Keith CD. Spent $57.32

Then we went in town to the mall. At Wet Seal I got her 2 pair of jeans and 3 shirts for $67.65. That finishes her off for me except for about $15. I will get her an Itunes gift card.

We went to several other places and mom finished her shopping for her also. Then we went to Red Robin for lunch. Neices choice. I spent $10.70 on lunch and then saw they had their cupcakes back. These are so good so I bought one for each of us and spent another $7.

I have 3 more gifts to get, but they are all gift cards so that will be easy. Then I'm done.

I finished reading the library book Daring a Duke by Claudia Dain. Romance - very good.

I had to go in town for my surgery pre-op appt today. It took 2 hours. I went to Target where I had 2 $1 off produce and $1 off bakery item coupons. I got 3 potatoes, 5 gala apples, a loaf of french bread and a package of 6 Kaiser rolls for $2.17. The apples were organic and on sale for .50/lb

We went to Rosie's for dinner and they had a deal where you can buy $100 of gift certificates for $80. My dad did it since we go there frequently. 20% off is a great deal. We also got a free meal since they punch a card everytime you go and we had one completely punched. I spent $8

I got a check for $50 from my credit card for my rewards today.

I finished reading my book The Renegades of Pern by Anne McCaffrey. Sci/fi - pretty good.

Monday we walked at Walmart since it was too cold to walk outside. They were putting the candy on sale, so I got 2 bags of snickers for $2.50 and 2 bags of Payday candy bars for $2.50. Paid $5.15 with tax. One of the bags of Snickers will go to neice. Went back today and they had M&Ms added. Got 2 large bags for $4.75. I also got 10 cans of Del Monte green beans @.60/each - 2 $1/5 coupons or 10 cans for $4.

Even though I vote by mail-in the voting place is in the church behind me. Yesterday every parking spot was full all day long and they were parking in the street. After 4 pm there was a line out the building. I noticed they were still there after 7 pm and they had to let the polls stay open late. Busiest I've seen it since I moved here 9 years ago.

I got a check from my health insurance company for $8.12 I've met my co-pays and deductibles so they are giving me some of my out of pocket costs back. My deductible was $2000 and my co-pay were $2500 if I used in-network providers. So my total out of pocket cost for my health issues aside from insurance will be $4500 this year.

I got a sample of Curel lotion in the mail this week.

I finished reading the library book Mountain Passage by Jason Manning. Western - ok

I finished reading my book Shalador's Lady by Anne Bishop. Sci/Fi - excellent. This is the second time I've read this one this year. I got if from the library when it first came out and when I went to the outlet mall they had the hard copy version for $7.99 so I bought it and reread it again. Unfortunately I have lent some of the others in the series to my friend. I would like to reread them right now. She may get them back to me in a year or two. She's had some of my books for 10 years now.

I got the following stuff for free this past week:

4 cans Bumbleebee tuna
1 tube Colgate Sensitive toothpaste
2 Yakisoba
2 Muir Glen tomato paste
6 Mahatma Saffron rice
3 Nivea Lip Care
2 boxes Contact cold medicine
4 boxes cereal

I read the Simple Dollar blog periodically and really liked this post on making choices in life.

Yesterday my parents and I took the 2 hour drive to visit my neice in collage. I took her 3 large bags of groceries of things I have gotten free or very cheap. That was a big hit with her and her roomates.

We had dinner at Red Lobster, (her favorite and mine - popcorn shrimp). I spent $13. The discussion came up on when she might be able to come down for xmas. It looks like she will only be home on xmas day because of her work schedule. She asked for Target gift cards from me, since she works at Target and is always shopping there using her discount. That's fine with me and easy to do. But she wanted clothes from mom. So we ended up going to an outdoor mall around 6 pm last night. It was cold. But she got most of her xmas stuff from mom and now that's done. Poor dad he mostly sat in the car. He doesn't walk that well anymore and he didn't bring a coat either.

We stopped at the Container Store on the way up and I got some spice labels. Spent $4.24

This morning dad and I went and got gas. I had a .70/gal discount at King Soopers and he wanted in on the savings. I paid 1.99/gal for my gas. I got 17 gallons and he got the rest of the 35 gallons they allow.

I went to the grocery store afterwards and when I was done I had 499 points for gas for October so I went back in and bought 2 Milky Way Simply Caramel candy bars for $1 to make it 500 or .50/gal. I won't need gas next month so I will give all of that to dad to use.

At King Soopers I got the following good deals

3.56 - 4 Mahatma saffron rice packages
-4.00 - 4 .50 q's doubled
-----
.44 profit - 2 go to my neice and 2 to food pantry

11.96 - 2 boxes Cheerios and 2 Cinnamon Toast Crunch
-6.00 - wyb 4 sale
-2.20 - ecoupons 2 Cheerios and 2 Cinnamon
-4.00 - 4 .55 q's doubled
-----
.24 profit - I get the Cheerios, neice gets the Cinnamon Toast Crunch

7.96 - 4 packages 4 double rolls Quilted Northern TP
-4.00 - 4 .50 q's doubled
------
3.96 - real good price for TP

2.00 - 4 hot wheels cars
.16 - taxes
-----
2.16 - goes to Toys for Tots, these are such cool toys for boys and you can't beat .50 cents apiece.

Went to Walgreens and used my raincheck on the Nivea lip care to get 3 chapsticks for free. 1 went to neice. This is a necessity in Colorado. I also got 2 packages of Contact cold meds and made 1.59 on each one. I goes to my neice, 1 goes to me and gave another $2 q to my dad so he can do the deal too.

6.00 - Contact
.41 - taxes
-----
6.41
-2.00 - q
-----
4.41 - got $6 RR back

I finished reading my book Wild Fire by Christine Feehan. Paranormal - pretty good.

Sometimes it seems like I just don't have anything new or interesting to blog about regarding finances. I've been frugal for so long most of what I do seems normal (uninteresting) to me. I've been blogging for a few years and after awhile it seems like I say the same things over and over and I wonder if I'm boring. Then you miss a day or two of blogging and it seems harder to start up again and that's when you drop out for a year or more

Mostly I blog for myself. I like to track the bargains and things I do that make a couple extra bucks. I like posting my thoughts on different areas, it helps clarify them. But I also like to help others and hope some of what I blog about allows others to duplicate what I do. I appreciate all the feedback I've gotten over the years from readers who have liked one of my posts and I don't plan to stop posting, but they may be fewer since I don't feel inspired right now about anything financial. That may change. I frequently start a post thinking I have nothing to say and end up with a page of stuff

I finished reading the library book Ghosts and Echoes by Lyn Benedict. Paranormal - ok

I got my heating bill this month and it will go down $5 a month for the next year since I have $60+ in credit. I will pay $43/month. I really like budget billing since once a year you can figure out how much you've saved in a year when they readjust your bill. I haven't had to turn the heat on yet this year, although a couple of days have been pretty cold. I'm getting by using electric throws. I'd like to keep it off till Nov 1, but may have to turn it on before then since they are calling for snow.

Several coupons came out in the last few days and since I wanted to drop my food off at the food pantry today I went to several stores to pick up the bargains first.

Safeway

1.98 - 2 Yakisoba
-1.98 - 2 .50 q's doubled
-----
FREE - food pantry items

King Soopers

2.00 - 4 cans Bumbleebee tuna
-2.00 - 2 $1/2 q's from Recyclebank
-----
FREE - food pantry items

1.78 - 2 cans Muir Glen tomato paste
-1.78 - 2 .50 q's doubled
-----
FREE - food pantry items

1.78 - 2 Mahatma saffron rice
-1.78 - 2 .50 q's doubled
------
FREE - food pantry items

Walgreens

3.49 - 6.0 Colgate sensitive teeth toothpaste
.28 - taxes
-----
3.77
-1.00 - q
-----
2.77 - got a $3.50 RR profit of .83 cents. This goes to food pantry

4.50 - 3 jars Skippy peanut butter
-1.80 - 3 .60 q's
-----
2.70 - .90/each 1 goes to my neice the other 2 I'll keep

I dropped off 4 bags of groceries at the pantry. I've pretty much given up my goal of giving 100 items a month. The sales just aren't as good as last year. But I am still donating well over 50 items each month.

I finished reading the library book Saltation by Sharon Lee and Steve Miller. Sci/Fi - very good

I got several things for free this last week - not as much as the previous week, but still really good.

Subway footlong sandwich
2 Mars simply caramel candy bars using BOGO q's
Cottonelle fresh wipes
12 cans Bumblebee tuna
2 tubes Crest toothpaste
Dove shampoo and conditioner sample
Jergens lotion sample - 2 kinds
2 Nivea chapstick
1 Yakisoba
Vaseline lotion sample

I finished reading my book Dragonsdawn by Anne McCaffrey. Sci/Fi - very good. I've alway liked books that have a homestead mentality. Starting over with very little and using your ingenuity to overcome obstacles. Books like Little House on the Prairie, Swiss Family Robinson, and sci/fi books like going to colonize other planets or end of the world starting over books. For a long time I thought I wanted to Homestead. I collected the first 120+ issues of The Mother Earth News and have probably read each one 10 times or more in the last 30 years. I eventually realized I just liked to read about it and don't actually want to live it But it's fun daydreaming about what you would do. I used to daydream about how I would pack a wagon if I was an actual pioneer. What is really necessary and what isn't? How would you contrive if everything were taken away except what you could carry? Very fun to think about and illuminating. Coincedentally I was reading the Dollar Stretcher and found an article that addresses this mentality that I enjoyed very much.

Warning! Heavy sarcasm coming up

Gobbledygook or gobbledegook (sometimes gobbledegoo) is any text containing jargon or especially convoluted English that results in it being excessively hard to understand or even incomprehensible.

The Plain English Campaign FAQ includes the following explanation:

"What's wrong with gobbledygook? We can't put it any better than a nurse who wrote about a baffling memo. She said that 'receiving information in this form makes us feel hoodwinked, inferior, definitely frustrated and angry, and it causes a divide between us and the writer.'"

I'm pretty sure that I've mentioned I'm a news junkie, particularly financial news. Anyways they keep talking about extending the Bush tax cuts. They claim that if they extend them it is a tax cut. Bah Humbug! If they extend them you don't pay less in taxes, you pay the same as you paid this year and last year and the year before etc. Therefore, it is not a cut, it is the same. However because the governement believes that all the money you earn is there and because they were planning to keep more of it and now may not, that is a tax cut. Why not give us an even bigger tax cut by planning to keep 90% of our money and then deciding to only keep 50%? That would be a huge tax cut and make everyone feel wonderful, wonderful.

Now on the other hand if they don't extend the tax cuts it is not a tax increase, because all your money is theirs to start with and the fact that they have graciously allowed you to keep more of it for the last 8 years doesn't mean you should be allowed to continue that. Therefore since they had always planned to keep more of your money in the year 2011 and the fact that you will be paying more of your money in taxes in 2011 and beyond, that's not really a tax increase. What? Paying more money to taxes is not a tax increase and paying the same amount of taxes as you pay now is a tax cut. Ok-a-a-a-y, can you say goobbledygook?

I finished reading the library book Fledgling by Sharon Lee and Steve Miller. Sci/Fi - very good.

Mom and I walked at WalMart this morning since it was raining. We really need the rain so that is good. While I was out I went to Safeway and King Soopers.

At Safeway I got 8 cans of Chef Boyardee ravioli for $4.24. These go to the food pantry. I also got a free deal of Yakisoba noodles after coupons - also going to the food pantry. I got 2 free Nivea chapsticks after coupons - I'm keeping these.

At King Soopers I got 6 more cans of Bumblebee tuna for free - going to food pantry. They have the large Symphony milk chocolate bars on sale 5 for $5. I love these and so does everyone else in the family. You can never find the milk chocolate in the single size here, only the dark chocolate. 1 each will go to my neices for xmas, 1 to my brother, 1 to my mother and 1 to me.

I got the latest edition of the All You magazine in the mail yesterday. I was doing their $25 a week food challenge back in June/July. They announced the winner in this episode, but they didn't give very many details.

They had a little article on how to save money on utilities. Go to whitefence.com to search out the best deals on home services in your area, such as phone, internet, television, gas and electricity. I live in a small town and in Colorado. There's only one choice for electric or gas so basically no choice. But it might be better for someone else.

I finished reading my book Master of Fire by Angela Night. Paranormal - Ok. Many of her other books are better.

My mom told me someone stole all the copper out of their churches sprinkler system. Someone has been stealing the copper from the street lights in the next town over too. Is copper really that easy to get from things and is it worth that much, to take the risk?

I got some groceries today, just over $17 which were free using coupons and my pharmacy rewards. With the coupons I got 6 free cans of Bumbleebee tuna and 2 tubes of Crest toothpaste. 1 of the toothpastes goes to the food pantry and one goes to my neice. I got the coupons from RecycleBank and still have 5 more, they are $1/2 and King Soopers has the tuna on sale for .50 cents each.

I got a Dove shampoo and conditioner sample and two Jergens lotions samples in the mail today. Both will go to neice.

I finished reading the library book Luck in the Shadows by Lynn Flewelling. Sci/Fi - pretty good.

I filled out my voting ballot this morning. I really like early voting it's so much more convenient to sit down in your home with the ballot, the book explaining the amendments and take your time to fill it all out. The only thing I don't like is that in Colorado you have to declare yourself either a Republican or a Democrat to be able to do early voting, if you say you are independent you have to go to the voting place. If you declare one party or the other, then you get tons of robo-calls telling you how horrible the other person is and lots of junk mail asking for donations to the party - yech.

I consider myself a libertarian. Government shouldn't tell people how to live their lives, people should take responsibility for their own choices. Government should be smaller and more efficient and not waste so much money. And then you get to the details ....

I finished reading my book The Sword of Fire and Shadow by Diana L. Paxson and Adrienne Martine-Barnes. Sci/Fi - ok.

I got a notice from my computer that my virus software expires soon. I hate spending money no this type of product, but consider it a necessity since I do a lot of banking and investing on my computer. I went to Staples and got a product that works on 3 PCs for 1 year. I have 2 PCs. It was originally 79.99. I used an Office Depot coupon for $10 off $20 and a Staples reward for recycling ink of $8 and one of the discounted gift cards I got to save $4 more. Total spent was $66.89.

Mom and I walked at Walmart this morning since it was too cold to walk outside. We walked outside last night and it was gorgeous. The fall colors are late this year, but so pretty. At Walmart I got 3 small SeaPak shrimp poppers @1.64/each - $1 coupons each or .64 cents. I got a free box of Cottonelle fresh wipes and 2 free Mars simply caramel candy bars using BOGO coupons. I also got a free foot long Turkey sandwich on a 9-grain roll at Subway using a gift card I got for xmas.

I cashed in $5000 in stocks this morning. I think the market will go up a little more this year, but who knows. I decided to cash in some profits while I had them

I finished reading the library book Midnight's Daughter by Karen Chance. Paranormal - pretty good.

I had a really good week for free things this last week.

$100 in free groceries from King Soopers for refilling 4 prescriptions
$25 Walmart Gift Card from My Points
Free Angus Beef burger from playing McDonald's Monopoly game and on the fries was a monopoly piece for a free $5 Walmart gift card
Free sample of Bio True contact lens solution from Costco in the mail
2 free cans Muir Glen tomato sauce - after coupons
3 Bliss candy bars - after coupons
4 Mentos gum - after coupons
1 Mars simply caramel bar - after BOGO coupon
$20 Walgreens phone card - BOGO

I got all the gift cards I ordered from Card Pool and Plastic Jungle in yesterday's mail too.

I finished reading my book Balance of Trade by Sharon Lee and Steve Miller. Sci/Fi - very good.

Walgreens has phone cards this week BOGO free. I got 2 350 minute cards for $20. These and a book of stamps will go to my grandma for xmas, and probably some free stuff I'll get like soap, shampoo, deodorant, toothpaste etc. The stamps were 5% off since I got them at Walgreens last time my credit card had 5%.

I was watching Your Money on CNN today and they said 85% of college students are moving back in with their parents. That's a huge number. The parents are saying it's their fault since they told their kids go to college, get student loans, study what ever you want (regardless if it pays anything or you can get a job in the field), there's a big world out there and you'll get a job. I really think a lot of people get took by the promise of a college degree. I know the stats say people with college degrees earn more than those without, but I'm wondering if that will still be true for the next generation. I know of so many people who got degrees and have huge loans, but don't make that much. Is the cost worth it for most people? So many people don't even get jobs in the field they got their degree in. I wonder what the stats on earnings would be for people who got jobs in their degree fields vs people who have degrees but don't work in that field.

I finished reading the library book Blood Cross by Faith Hunter. Paranormal - pretty good.

I went to King Soopers this morning and picked up 3 more prescriptions. I paid $7.05 and got $75 back on my card. $25 for each prescription. Unreal. I got my groceries and spent almost $21 using the prescription bonus from last week. I also got 200 gas points for the 4 prescriptions or .20/gal.

My dad got the tree planted yesterday, he's one of those people who can't stand to leave something undone, has to do it immediately. Nice for my mom, means that things always get done quickly around the house.

I got a local coupon book in the mail yesterday and I see they are starting the restaurant bonuses early at Texas Roadhouse this year. Buy $30 and get a $5 bonus card. I'll have to get some of these for dad for xmas and some for me too.

Yesterday when we went to the outlet mall I got paring knife for .99 cents. How in the world can they did the metal, transport it, smelt it, make it into a knife and sell it for less that a $1. Amazing.

I finished reading my book The Tomorrow Log by Sharon Lee and Steve Miller. Sci/Fi - excellent.

My mom's bday is in December. I recently asked her if she knew of anything she wanted for her bday and/or xmas. She said she wanted a tree that had orange leaves in the fall, but the only way to know that would be to go looking now and see what color the leaves were. I told her if she found what she wanted I would buy it for her now. She had up to $150 to spend on it. $50 for her bday and $100 for xmas.

So today we went to a nearby town that has a big outlet mall and a nursery. We shopped at the mall first, went to lunch and then went to the nursery. She found a tree that had exactly the color leaves she wanted. It's a box elder which is a type of maple I guess. It was $220, but we got it at 40% off. So I spent $142. I hope her and dad were able to get it out of the back of the pickup when they got home. It weighed about a 100 lbs. It will eventually grow to 35' high and about that wide. So dad gets the privilege of planting it, I'm sure that makes him happy, but I know she is happy with her early Christmas tree.

I finished reading the library book No Mercy by Sherrilyn Kenyon. Paranormal - excellent.

I was reading an article on ways to save money. One of them was to rent an extra room or space in your garage or basement. There are 2 websites you can go to and list the space and price you want.

It's not too early to start planning for xmas shopping. November and December are some of the best bargain shopping months of the year, but in order to take advantage of those bargains you need to have cash put aside. Here's some of the bargains that have happened in past years and that I hope to happen again.

Swagbucks - they usually have a sale on their rewards. I'm saving up my rewards until then. Last year they had their Amazon gift cards on sale for 400 points vs the normal 450 and I was able to get 2. I'm hoping for 3 this year.

Restaurants - several restaurants offer $5 bonus gift cards when you buy $25 gift cards. This is a $20 savings. Last year I know of the following restaurants that did this - Chili's, Texas Roadhouse, Applebee's, Red Robin, Elephant Bar, and Ruby Tuesday's. You usually have to use the $5 bonus by Feb/Mar of the next year, but you can also give them as gifts. I buy the gift cards with credit cards giving 5% back on restaurant purchases saving even more.

Coinstar - If you cash in $40 worth of coins at a Coinstar machine and opt for a gift card you can get an extra $10 gift card for that same store. You don't get the $10 bonus until Jan, but still it's free money. I got 2 from Amazon last year. They have iTunes and Lowes and other options. I save my coins all year in a jar. If you don't have coins saved go to the bank and get $40 in quarters.

Of course the best way to save money is not to spend it in the first place, but if you are going to spend on something, get the best value you can for your money and getting something you need/want for free is the very best way to save money.

Excellent article on the effect of higher taxes on earnings

I met with my kidney surgery dr today in town. My surgery is set up for Nov 10. My poor mom, it seems like all my dr things are really messing with her schedule. She had to give up several things she wanted to do now to go with me or be there when I was in the hospital. For the dr visits, I don't care if she goes or not, it makes her feel better so I let her come into the appts with me. I feel kind of funny though - an almost 50 year old woman who has her mom with her in the dr's office . Anyways, mom was supposed to have company on the 9th and 10th. I told her it was ok with me if she doesn't make it to the hospital until late on the 10th, but she wants to be there. I guess I'll just leave it up to her to decide what her priorities are after letting her know I won't be offended if she's not there.

I got a prescription filled at King Soopers today. It cost .80 for the month and I had a coupon to get $25 in free groceries if I got my prescription filled at King Soopers. So lots of free groceries coming up. I have one more of those coupons to use up before the end of the month.

Since I was in town again stopped at Borders and got 2 books for my neice and a $10 gift card for the daughter of a friend of mine for xmas. I used a 40% of coupon plus 5 Border's bucks. A lot of my xmas this year is going to be gift cards. My neice wants Target gift cards since she works there and is always buying stuff. She gets 10% off as an employee. Since I get 5% off on grocery stores with one of my credit cards I will buy them from King Soopers in December and save $5 and get double gas points or .20 off per gallon.

I also went to Alberstons again and got 2 bags of No Yolks noodles for .59 each. 3 free Bliss candy bars. 4 free Mentos gums. 2 Mars simply caramel bars - BOGO. The gum goes to neices.

I sent a list of discounted gift cards to my dad last night to see if he wanted any of them. I went to Card Pool and purchased Chili's and Elephant Bar gift cards at 11% discount for him. I went to Plastic Jungle and got JC Penny cards at 14% off for him and I got a Staples gift card at 8% off for me. This is just like buying money at a discount plus I save another 1% putting them on my credit card.

I read another book in my sci/fi series - Local Custom by Sharon Lee and Steve Miller - excellent.

I had a really good talk with my oldest neice on the phone last night. She's a psychology major at college in her second year. We discussed a lot of things, religion, multi-culturalism, what she wants out of life. I always ask her what's she learning right now. She started telling me that she thinks grandma, (my mom) has a worry disorder. She had a fancy name for it, but that's basically what it is. She says she can't help her behavior and that it's genetic. I found that really funny that she starts telling me this out of the blue, when I've been discussing that here. My neice has been having panic attacks because she stresses out too much over school and work. She's worried she caught the worried disorder from my grandma and my mom. She plans to take a class at school that's supposed to help her control her panic attacks.

Mostly she needs to realize it's not the end of the world even when something does go wrong. Most everything can be fixed and other people rarely put as much emphasis on the things that you worry about as you think they do. Most people are pretty self-absorbed and don't even see the things in your house, meal, performance that you think they do and even when they do see those things, they don't put value judgements on them. If I go to someone else's house, even if I do see dust or something, I don't really think about it, it's like noticing the couch is brown. It's just a fleeting thought and I don't think she must be a slob or something like that.

I got several samples in the mail yesterday. 2 Wisk, 1 Life energy bar and Cascade. The Cascade had 4 tablets, which is nice. Both Wisk's and the energy bar will go to my neice.

Still reading my series. Finished Agent of Change and I Dare by Sharon Lee and Steve Miller. Sci/Fi - excellent.

This is an interesting article called "The Short List: The Most Effective Actions U.S. Households Can Take to Curb Climate Change". I don't necessarily believe in climate change, but I do believe in saving energy thru small changes. I especially liked the tables in this article that show in black and white how much you can save for individual changes.

I went to the kidney dr yesterday as a follow up on my kidney stone removal. He said the kidney stone was calcium based and I need to restrict my calcium to no more than 1000 mg a day or approx. 2 glass of milk. I had read that calcium was good for diabetes control and that dairy was good for weight loss, so in June I started drinking 2 glasses of milk a day, plus taking 1000 mg of calcium supplements. I was taking twice as much calcium a day as I should have been.

I have several bottles of calcium supplements that I got for free or cheap. I'll see if my mom or sister wants them and if not will donate to the food pantry. They still have the original packaging so they should be able to take them.

I need to go back Monday to the surgery dr to sign the consent forms. They are looking at Nov 3 or 4 for the surgery.

Since I was in town, I ran errands. I got one free book at Borders using my reward cards and a 40% off coupon.

I went to Albertson's since I was a couple miles away. I almost never shop there since it is too far from where I live. The had the large containers of Quacker oats on sale for $2.00 and I had 5 $1 coupons, so I got 5 boxes. These will go to the food pantry. I also got 3 6 packs of Hansen soda for $1.50 each after 3 .50 coupons that doubled.

I went to Target and got 4 apples at $1.19 and 1 loaf of french bread. I had 2 $1.00 off produce coupons and 1 $1.00 of a bakery item. The bread was .50 after coupons and the apples were .64.

I stopped at King Soopers on the way home and got several free items. I picked up a prescription and while I was back there I saw they had the brand of ear plugs I use on closeout. 10 pairs for $1.24 - normally almost $4. I got 6 packages.

I got a free 20 oz Coke Zero for playing the Kroger sweepstakes game.

I got 2 free cookie dough Luna Bars $1.00 - .50 coupons doubled. Goes to my neice.

I got 1 free Joint Juice - goes to my grandma

I got 2 cans Progresso soup for .25 each.

I got a bag of Snickers candy bars for $2.00 to give my neice. I'm supposed to go visit her next week and I have 2 bags of groceries so far. We'll see what else goes on sale before then.

I finished reading my book Carpe Diem by Sharon Lee and Steve Miller. Sci/Fi - excellent. Since reading the latest book in this series the other day, I've been rereading all of them. I love when I get inspired by a series and then can sit down and reread the whole thing from book one.

I got a haircut today at Great Clips and I paid full price for the first time in what feels like forever. I kept putting it off hoping they would send out a coupon, but it's been driving me crazy so I got it done this morning. It feels so much better. Spent $14 with tip.

Went to Kohl's with mom, but didn't find anything I wanted to use my $10 off $20 card on. She got several things so I gave it to her to use, but since you had to use your Discover card to get the deal I paid for it and then she gave me the cash back.

I keep getting my neighbors mail. Today I got 2 things from different banks and 1 from Anthem. Since it happens so often anymore I've started looking at the address before opening things. It's scary how often this happens. I wonder if any of my investment/bank stuff is going to my neighbors. I'm old fashioned and still like get hard copies in the mail on a lot of things. I just hand their mail to them, but they never give me anything so I don't know if they get mail for me or not.

I finished reading the library book The Last Twilight by Marjorie M. Liu. Paranormal - ok