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Yep, I was right (unfortunately)

January 16th, 2018 at 09:07 am

I have a detached retina. Surgery in a few hours. Family and friends are stepping up to assist me, which is such a great feeling. I won't be blogging for at least a week while I recover. Thank you for the positive thoughts!

Good news is I will be forced to relax at home for at least a week, and I get a 10% discount for prepaying my out of pocket cost at the hospital.

I'm scared about my eye

January 15th, 2018 at 11:37 am

I have an eye exam this afternoon. Worried because one afternoon last week, in the car on the way home, I noticed there was a blurry/cloudy spot on my right eye. It's like when you rub your eye and your contact slips and gets scrunched on one side, only I don't wear one in that eye. I tried washing it out with water and lens solution. I'm worried that it's a detached retina. Of course, self-diagnosing on the internet is a bad idea, hence the dr appt. Please think good thoughts for me!

On a positive note, I had FOUR No spend days last week! And my kitchen backsplash is installed and grouted! I'm thrilled with it. Last step is the drywall person to stop by and repair the area where there used to be tile and now it's all wall. After that, I'll be able to really clean and make it sparkle!

Weekend to-do and spending diet

January 12th, 2018 at 12:17 pm

I've had 3 no spend days this week (M, W and Th). (Today also, most likely). I'm pretty proud of that!!
That's a total of 5 no-spend in 11 days. My goal is 15.

My grocery spending is $97.57 out of my $250 budget. So far, I'm right on.

My new kitchen backsplash is being installed right now. I had new granite counters put in November and waited to pick out the backsplash material. Then, various delays, including my tile being out of stock, contractor getting sick etc. It should be done by tomorrow! That is the extent of my kitchen project. I'm not including that spending in my diet, because it would have been taken care of last month.

My diet and exercise are going well. I'm starting to feel a little slimmer (but not going to weigh or measure for awhile because I'm trying to focus on other benefits). I am still tired in the morning, in spite of getting 8 hours of sleep, but have more energy in the afternoons, and hunger is better controlled. I can tell that my upper body is getting stronger with all of the tricep push ups, downward dogs, side planks, etc that are prevalent in the Piyo program.

So for the weekend, I will clean and reorganize my kitchen, cook some meals for next week, do my workouts and relax.

Spending Diet update

January 9th, 2018 at 11:46 am

1/5 - $14.12 for family size papa murphy pizza (4 meals)
1/6- 23.38 food (groc)
1/7- 33.59 gas, 6.37 food
1/8 - 0
1/9 - $92.91 for colon cleanse system, 29.29 groc

I have been thinking of doing a colon cleanse for a few days, so this is not an impulse purchase. It falls into one of my exceptions to spending: medical/ health. I'm not getting the results I expected on my other plan,so I will switch to the colon, then back to the "Fat Flush". I'm still doing my Piyo exercise and eating clean.

Over the weekend, I was at Fred Meyer getting groceries and I was drawn to an endcap in the health aisles. There were 50% markdowns of my favorite natural soap brand "Zum". There were soaps, travel kits and soy candles. The company uses all essential oils and everything smelled so yummy! And 50% off! I put two items in my basket before saying to myself, "Hey, what the h**l? You're on a spending diet!!" I replied, "Yes, but these are my favorites at half off! They will all be sold out by Feb 1!!!" Miraculously, I put them back and went back to buying my planned vegetables. I am pretty happy with myself! I think this type of interaction is a "ah hah" moment and the main purpose of a spending diet.

So.... I don't think I will meet my goal of 15 "no spend" days. But this is not a bad thing. First, it is still making me pause and really think about what I'm buying and if it's necessary at this time, or can I wait, or make due with what I already have. Second, if I'm forcing myself to overbuy on food, it could go bad before I have a chance to use it. So I'd rather go shopping more often, but buy less of the perishables so I minimize waste. (Does that sound like I'm justifying not meeting my goal??? Probably.... but I'm still going to get as close as I can!

Friday!!

January 5th, 2018 at 08:57 am

It's been the longest short week ever...

Here's the recap of my spending diet:

1/1 0
1/2 $6.25 lunch
1/3 $25.16: lunch salad, gas, groceries
1/4 0

My company has an on-site cafe and it's pretty awesome. Most of the food is organic. There's always something healthy to eat at the salad bar. I can get a good sized salad for under $5.00. The best deals are in the morning. Two eggs and sausage runs $2.25. There's a fruit/oatmeal bar that has flat cost of $1.35/ $1.80 depending on bowl size. When I have fruit in my diet, I get the large bowl and fill er up- it holds over 2 lbs so it's too good of a deal to pass up!

Recession won't get me down!

February 15th, 2008 at 12:21 pm

Here is my new, improved outlook on the economy: A downturn in the economy will benefit me in the long run, so I happily accept it and am using it to my advantage.

We all know, by looking at the history of the stock market, that there are ups and downs, but over several years/decades, the returns are big. Therefore, I welcome this temporary decline to invest in stocks which are have great growth potential and getting them at a "bargain".

The decline in savings interest rates is distressing to those of us who have a lot of liquid assets; however, I'm going to keep stashing my cash into the highest rate accounts I can, because when the rates do bounce back, I will benefit right away - the money will already be there.

Useless financial advice

January 28th, 2008 at 11:26 am

Lil Monday Rant!

I don't consider myself to be a genius or anything, but I'm so tired of the watered down financial tips that are abundant on the internet, news, magazines, etc. these days. I suppose it could be helpful to someone who doesn't have much common sense or is seriously in debt, but not for those of us who are already pretty careful with money.

For example, I am tired of hearing about the "latte factor". I don't buy a latte everyday, so I can't give it up and save the $4.00 and invest it for 40 years to wind up with an extra $1.5 million (or whatever number they come up with). I already have a 401k, Roth IRA, six months of living expenses in a savings account,pay off my credit card monthly, funds saved up for my next car, furniture, vacation, etc etc.

Where is the advice for this type of person?

I (don't) heart ING

January 25th, 2008 at 03:41 pm

Wo! I can't believe they lowered their rate to 3.65.... from 4.10 !!! I'm glad that I don't have my long term savings there. I would pull all my money out but it's only $4000 so I doubt they would care.

I have decided to up my 2008 savings goal $500 to $7500 since I'm doing so good already!

Rewards for spending

January 17th, 2008 at 10:38 am

Yesterday, I received my new AMEX Blue Cash card. Since I have no consumer debt and very disciplined in keeping a budget and paying on time, I decided to maximize my rewards! Here is a run down on this card's benefits:

Spend up to $6500 in a year, and receive:
- 1% back on grocery, drugstores and gas
- .5% on everything else

Anything over $6500:
- 5% on grocery, drug, gas
-1.5% everything else

Up until now, I have been using my Nordstrom VISA, which earns 1 point for every dollar charged, except 2 points per dollar at Nordstrom. Once you accumulate 2000 points, you receive a $20 Nordstrom GC. During the big sales you can double your points earned. This is all great, as I love Nordstrom, but guess what I realized: I hardly ever shop there, except to redeem the GC's! So I'm really only earning 1% by using this card.

I went through my 2007 credit card bills and compared my actual Nordstrom reward with what I would have received with the AMEX. It was $180 vs. $320. That is a difference of 78%!

What I love about this is that instead of working more and being taxed on the earnings, I am "earning" a credit on my credit card that is not taxed!

I also take advantage of two online reward sites: Mypoints and Mr.Rebates.

Mypoints works on a point system. You can earn anywhere from 2-10 points per dollar on purchases, or some companies give you a set amount... like 500 points on any purchase over $25. Points are available after 30 days and you can redeem them for gift cards. The gift cards have different point costs, so I go with the companies I shop at that have the best ratio of dollar value to points. They also send emails that you click on and earn 5 points just by going to the sponsor's site, so you can get rewards even if you don't shop online (although it takes much longer that way.) Generally when you order the gift card, it arrives within a week.

Mr.Rebates rewards you with cash. It's measured as a percentage... anywhere from 2-20%. It takes 90 days for the rebate to become available and you have to wait until you accumulate $25 in rebates. Once you request the check, it comes in a few days.

I am very excited to take full advantage of these programs this year, and will be keeping track of how much $$$ I will be earning.