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Medical Expenses

June 7th, 2018 at 04:29 am

I don't budget for medical as we are rarely ill and our insurance covers pretty much everything when we are. We also have a rather large emergency fund.

One of my daughter's and I are now seeking care from a provider who cannot be reimbursed by our insurance. Our insurance simply doesn't cover this common treatment. So out of pocket it is.

Our initial exams with diagnostic tests were $199 each, or $398. I had nearly all this in our emergency fund set aside at the beginning of the month. So that was easy.

I paid $1152 for a series of visits that will cover both of us through the summer. This was a 30% discount offered for paying in one full payment. That is a significant savings. So on the charge card it went. And since we never pay interest on credit cards, I went looking for funds. I found $300 set aside for eyeglasses, but we aren't in current need of those. And finally, the easiest thing to do was to use some of Big Goal Savings we had accumulated this year that was still sitting in our checking account.

I would have preferred not to pull from the Big Goal money, but I think our health needs are a bigger need. My goal is to pay ourselves back, we may have extra vacation funds later this summer, or after I evaluate the funds I have for tuition and housing I may have some to throw from there.

Cash saved gets you the medical you want that the insurance companies will not pay for. Cash is freedom!

A Gift and an Injury

April 21st, 2018 at 06:44 am

My parents send my husband and I a $100 check every year for our anniversary. This year was no different. We usually save the money, rarely making a purchase. So yes, we deposited that money into our savings account to count towards our Big Goal.

As far as other snowflakes, I redeemed Amex rewards equal to $25 this week. I also transferred $3.49 from a small eBay sale to our savings account. I have two items I need to list to hopefully bring in a few more dollars.

I got a call from my oldest daughter yesterday with concern she may have fractured a bone in her foot. It was a goofy thing where her foot got trapped between her chair and her desk, so a bit crushed on the side of her left foot. She iced it and went to bed. Woke up and found it very painful to even walk. Somehow she managed to hobble around campus, and late in the day went in for an xRay. Luckily no break or fracture, just a bone contusion. So she has instructions to rest, ice, and elevate. My mom gave her some Ace bandages to use for compression. And the doctor said she could take up to three ibuprofen for pain. My daughter was shocked at the dosage suggested. She is one to stay away from all drugs as much as possible.

About two weeks ago, we realized our daughter was dropped from our insurance because she turned 21. Luckily we got right on it and updated her information to show she is enrolled full time in college. But then yesterday, I questioned my husband that it really did take effect. Initially, it seemed that no it had not. He did some sort of online enrollment and then did get a letter emailed to him before she arrived at the clinic. The visit is free at the University Health clinic (up to five per year), but the xRays will need to go through insurance. She has a $150 deductible so that will need to be met before insurance pays. It is worth it for piece of mind, knowing she didn't break it...just felt like it!

It's a beautiful day here, were going out for a hike! Enjoy your weekend. Stay frugal and healthy.

Using It Up: Butternut Squash

March 30th, 2018 at 10:31 am

I guess it was January when I last made a point of using things up. I was doing an Uber Frugal Month with spending and using things we already had on hand was part of making that work.

I had some diced butternut squash in the fridge that I didn't even get to then! It's almost April! Late this morning, I threw the squash in a saucepan with garlic, onion, ginger and carrots to saute' for several minutes. Oh yes, there was salt, black pepper and red pepper flakes. I added some chicken broth (made from bouillon) and simmered for another ten minutes. And then in the end added a cup of milk (I was going to use coconut milk, but it had gone bad, oops!). Finally, blended it with my immersion blender.

My food stores are still pretty limited from the Uber Frugal month. To me this means we are buying only what we will actually eat and use! Far less food waste or extra money spent.

I know it's a holiday weekend for many and could mean more spending on groceries, but be sure to check your pantry before you go shopping. Maybe you already have ingredients you need, or possibly you have something on hand that could be used instead of something you think you need to buy.

Yesterday, I listed six new items to eBay. These were items we found this month to let go. These were ones that may have a chance of selling for a few dollars. I'm hoping for some quick sales!

I hope you all enjoy your weekend! Stay frugal out there. Smile

Not Afraid of Vegetables & Fruit

January 10th, 2018 at 05:44 am

Patient Saver commented on my last blog post this morning pointing out that not all carbs are bad for you. She is absolutely right. I didn't specify in my last post that I'm eliminating refined carbs as much as possible. I am still eating lots of vegetables and some fruit at every meal. I like bread too much and because my daughter practically only eats refined carbs as the basis of her diet, I eat them too. So working on eating less of those and even more vegetables. We actually did really well in 2017 adding more vegetables into our daughter's diet. The stuffed peppers from the other night...new to her. She was willing and scarfed it down before her pasta.

Today, I'm making a Pumpkin Lentil Soup for dinner to use up some mini peppers that are slightly past their prime but still good. I also have a can of pumpkin on hand and will use up the rest of my red lentils.

As I'm writing this I'm eating one of six halo oranges that have been around from the holidays. Between my daughter and I we should have no problem eating them before they go bad. I'll make some eggs later to round up my breakfast. I just checked the fridge and I probably should have the leftover taco meat for lunch. I will likely end up eating them with tortillas (refined carb). If I still had romaine, I'd make a taco salad. Smile

Last night we had apple spiced pork chops with mixed vegetables and corn bread. That used up a wilting apple and the mixed vegetables and the last of the corn bread mixes. I only ate one corn bread muffin. There is a leftover pork chop. I will offer it to DH with his soup tonight. If not I have two choices, freeze it or eat if for lunch tomorrow.

So far the only spending since Sunday has been gas for my husband's car. Although he hasn't entered the receipt so maybe there is other spending. I will need to buy him shaving cream today, but I'm going to buy that at Target and use the gift cards we have on hand. I think I need one other thing, but otherwise no other spending.

Also, I think there has been some spending on textbooks and , but those have been budgeted for and can't be helped in a uber frugal challenge. Other than renting or buying used. Not sure what my daughter has done this semester, but she is not officially in the challenge. Smile

I found out my parents are coming to visit. Arriving on the last day of this month, and they stay for 11 days! They won't be here the entire time (also visiting friends that live the next state over), but I think this means that the challenge for me will likely end at the end of the month. I originally wanted to go through the first week of February. That will just be a bit more difficult with guests. So three weeks to go!!

How are you doing eating all the food? How do you feel you are doing with the Uber Frugal Challenge?

Netflix Increasing & Be Kind

December 5th, 2017 at 01:27 pm

I had an email this morning that our Netflix subscription amount is changing from $11.99 per month to $13.99 a month. Sounds like their will be more programs and the ability to download for later watching as benefits. Never a fan of price increases, but we will stick with Netflix for now.

Purchased my daughter some vitamins on Amazon today. I used the Discover cash back for a credit of $2.38. Final cost was $12.36. I think I will send that cash back amount to our Big Goal. I should add in the coupon savings from Sunday, too.

I had to take a mental health break today. I had some stress and anxiety pop up on me this morning. I'm feeling better already. To help, I called my mom, went for a two mile walk, ate a good lunch, and then took an epson salt bath. Later I added some relaxing oils to my diffuser while I listed to some very nice relaxing YouTube music. I also got up and got busy in the kitchen making some muffins and hummus (not to eat together!).

I share because this time of year can be stressful for various reasons. It is okay to take a time out and take care of ourselves. And it doesn't have to cost anything! And be kind to those you meet as you don't know what their current struggles may be.

A Recipe and Update On College

November 15th, 2017 at 04:27 am

We had [url=https://www.budgetbytes.com/2014/09/snap-challenge-vegetable-stir-fry-noodles/]this[/url] for dinner last night. It was really good! Lots of chopping, but very healthy. I'm making two other recipes from the website later this week.

The VA Education department has continued to provide us a housing payment of $1112 per month for our oldest daughter. I just made a $200 deposit for next years housing contract. My daughter would like to move off campus, but is having a hard time finding a roommate. There are ways to find roommates, but she would like it to be someone she knows. If we go the on campus route again, she will get a discount for being a returning student. That discount for the fourth years is $1097. She packs her schedule full...18 hours on average, so living on campus saves a lot of time and hassle than living off campus.

Our youngest daughter applied and was accepted to her college of choice. She plans to major in Industrial Engineering. This is in our former midwest state that we are still residents of. We did however have to provide documentation to the school to get her classified as a resident. Luckily, we were approved. They do provide in state tuition for all military members, spouses and children. This college charges a flat fee for 12+ hours, rather than break it down by credit hour. Of course, as an engineering student she will have higher tuition in her junior and senior year.

Specifically tuition and fees for 12+ hours is $4,318 per semester, or $8,636 per year. She did receive two renewable four year scholarships. One is worth $8,000 ($2000 per year) and the other is worth $10,000 ($2,500 per year). Very reasonable in my opinion. It's the housing that adds up! I don't have the details on those costs yet, as we have not picked a housing option. I think housing will be less than we pay for our older daughter, so that is a plus! And she will be applying for more scholarships soon, so fingers crossed there is a little more money to assist.

4 Months = $25K

April 25th, 2017 at 10:51 am

On January 4th of this year our retirement accounts topped $400,000 for the first time. As of yesterday, our accounts are valued at $425,768. That is a change of $25K in less than four months. Some of that change is our contributions to retirement, but the S&P 500 is up nearly 7%, so this growth is a factor as well. It sure would be nice to see this continue through the year. I do like to think the next major milestone, of $500K, could be soon!

In other news, I did get $3 from Pinecone. I also received some pending Swagbucks amounting to 1712 for a hotel I booked through the site. I currently have just under 3000 SB to redeem in early May for Amazon gift cards. And it looks like my husband has a couple things sitting in the Amazon cart...so hopefully I can score those for free.

I'm thinking next week my grocery list may be meatless. That may save a bit of money and be healthier as well. I picked up a Forks Over Knives magazine with lots of yummy looking plant based recipes. My daughter is nearly a vegetarian, so finding new things for her to try is a good motivator as well. Or maybe the motivation to be to try to save at least the cost of the magazine (which I never buy) $7.27! Ouch.

Planted Our Mini Garden

April 9th, 2017 at 03:20 pm

I mentioned previously that I was going to plant some vegetables this year. I've always loved fresh vegetables in the summer. After talking to my youngest daughter, she has good memories of picking beans, and tomatoes from our garden. So we are doing it again.

My landlord put in a pretty large mulched bed with two shrubs and a small tree right before we moved in. I was so surprised as the backyard had nothing but grass when we looked at it. I was a bit irritated as I knew the bed would need weeding. But I'm now grateful the area is there, so that I can plant some things without pulling out the grass.

I did have some major weeding to do to prepare the area, but the hoe we own was very helpful in getting them pulled up! There is hardly any mulch left that the landlord put down two years ago. A neighbor is required to put down mulch based on her rental contract. That is something we are not required to do.

I planted snow peas and romaine lettuce from seed. I put the lettuce in grow bags (basically directly into a bag of garden soil, with the bag ripped open on the top). I purchased two tomato plants, a summer squash, a zucchini, and two strawberry plants. The strawberry plants are in a large metal tub. These will go on our screened in porch to keep the birds away from them. They will get plenty of sun. Everything else is planted directly in the garden bed. I made sure to plant items where they will get the most sun (to the south of each tree). I guess the peas are behind one of the trees, but I think they will get enough sun. If they don't work out this spring, I will try another crop in the fall in another spot.

The snow pea seeds were $1.89. Organic romaine lettuce seeds were $2.24. The strawberries, tomatoes, zucchini, and squash were $3.40 each. The bags of soil were $1.80 each. I did have to invest in two tomato cages for $8.60. My total investment was $36.73 plus tax ($39.30). If I can end up with produce worth more than $40 this summer I will be ahead financially. That will make the effort well worth it!

I know some of you are big gardeners. Anyone else planting anything edibles this year?

More Money Coming!

March 27th, 2017 at 05:12 pm

My husband told me today that we will be getting about $105 from his recent travel reimbursement. This was the trip where he bought some friends dinner to the tune of $140. That meal isn't specifically being reimbursed, of course, but it will offset that expense a bit. I didn't think he was getting anything extra.

Our college daughter was home for spring break last week, so we did a little clothes shopping, went out to eat a couple times, and celebrated her birthday with cake from a bakery. And now the funds left that we budgeted through the end of the month are getting slim.

I did jump ahead in the budget a bit and bought tickets for my husband, daughter and I to see a local Sherlock Holmes play in early April. Those three tickets were $55 total. And we will be seeing Beauty and the Beast in the theater this coming weekend. This much more than we usually spend on entertainment in a short period of time. But thankful that we can afford to do so when we find something that is of interest for all of us.

I listed four CDs on eBay today in a lot. Not sure if they will sell or not. I think I may have listed them for sale in the past, but I don't have a record of it on my account any longer. So if I did it was more than two months ago. I figured I would try one more time. Smile

I've been doing pretty good at accumulating Swagbucks, but I'm going to need to spend my time getting my garden planted soon. I'm going to do zucchini, summer squash, tomatoes, lettuce, snow peas, onions, cucumber and strawberries. I'm going to do the strawberries in a pot on our screened in porch to keep the birds away! I'm not real optimistic about them, but my younger daughter insists since she didn't like them when she was younger and didn't get to eat any!

Oh, I thought I'd ask those of you world travelers what you think about exchanging currency before a trip? How much of the total expected costs would you want to have in the foreign currency? 20%? 50%? The teacher leading the trip can exchange for a lower fee at her bank. We know some cash is likely a good idea. She would need pounds for the two days in London, and euros for the remaining ten or eleven days. She also has a no foreign transaction fee debit card that she will likely use as well. I think we may also add her as an authorized user on one of our credit cards, as an extra back up option.

Spending Yesterday

February 12th, 2017 at 06:36 am

Yesterday, we did a bit of needed spending. My daughter needed a new purse as her old one had a broken zipper. I had a $10 coupon at JC Penney and the purse (leather) was on sale for $33. A very good deal. Unfortunately, my husband didn't do the best with his shopping. He picked up three workout T shirts, Nike Brand, that he told me were $11 each. One rang up as $21, and the other two for $18.75 each. He did get long sleeve shirt on clearance for $8.99. He went backed and looked at the display and didn't read it right. Ugh! I'm letting him keep them as it just isn't worth the effort to fight him on it. He is not a good shopper, luckily he doesn't shop for new things too often.

I bought a 10 pack of no show socks for $11.99 at Kohl's. I had a $6 coupon (for my 6 year anniversary with my Kohl's card) so I paid just over $6 out of pocket. Now that is my kind of deal!

We shopped at Fresh Market for some ingredients to make two meals. [url=http://ohsheglows.com/2016/11/23/cozy-butternut-sweet-potato-and-red-lentil-stew/]This one[/url] was yummy! I have a ton of leftovers, too. The cost of the food, including some snacks, was nearly $39. We also bought some other vitamins, so the bill was $65 exactly.

Today we go do our regular grocery shopping trip at the commissary. I think I may buy some Girl Scout cookies, if there is a troop selling there today. Otherwise, we are staying home and will enjoy some time outside. It's going to be 82 degrees here! Spring really is coming. I'm already seeing buds on trees, and some trees already put out pink blooms! I'm sharing for those of you up north. It really is just around the corner. Hang in there!

Oh, and I heard my husband mention picking up flowers and Valentine's cards for my daughter and I. Last year, I convinced him not too. I'm not sure what to say this year. It's hard to squash someone's nice intentions!

And finally, did you look at your retirement accounts? Probably at an all time high once again. It is nice to see!

Roasted the Chicken

January 10th, 2017 at 04:48 pm

We haven't spent much in the last couple days. My husband filled up with gas, but needed to after a 3 hour car round trip in the car to take our daughter to the airport last night. She made it back to school, only missed one day of classes. The first day...which she definitely wasn't thrilled with! Oh, and he also spent $8 to buy her dinner before she flew out.

I ordered one of her books online from Amazon today. The bookstore was completely out. She's renting it. I had credits with Amazon to cover the whole thing, so no out of pocket costs on that one.

I roasted the whole chicken I had in my freezer tonight. I put it in late this afternoon, with no expectation to have it for dinner. We will have the breast meat for dinner tomorrow night. Then I will cut the remaining up and portion it to freeze for other meals. I think I have a plan for a couple meals to use it with but I'm not remembering those at the moment! Oh, I am going to make bone broth with the bones tomorrow, that will use up the celery.

I have cooked all the remaining barley. Most of it was used in the mushroom barley soup I made for dinner tonight. We now have two servings of that soup left. I used some of the barley to eat for breakfast. I ate one portion this morning with cinnamon and a little sugar. Tomorrow I will eat it with some frozen strawberries (that I will thaw). I finished the romaine lettuce, the frozen banana and frozen blueberries today at lunch when I made a smoothie. I added chia seeds to that smoothie also. Last night we finished the fettuccini noodles and my husband ate more of the turkey bacon.

This pantry stuff is harder than it looks! I feel like in some cases I use something up, but then have leftovers which I then need to incorporate into a meal for someone...and often that is me. I definitely don't need to buy anything for my own lunches for awhile. There is plenty here!

I do expect a small grocery run in the next day or so. We should have bought tortillas, and I remembered we didn't get the fish I wanted (to have with rice) because the commissary had not yet restocked when we were there Sunday morning. They had been closed on Saturday due to weather, so not everything was put out.

I feel pretty good about how we are using up this food that I bought and should have made a plan for! The whole chicken was going to be for Christmas, but with Riley (our cat) ill and dying, I just didn't have the energy to do it. (We had to put her down on December 27th, so the days prior were tough).