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Archive for October, 2019

Food Waste

October 11th, 2019 at 09:11 am

We are now in a transitional time in life... we have three children - 21, 19 and 17.

Sometimes they are home for dinner. Sometimes not.
Depends on their work schedule and their social schedules.

However, I keep buying food like we are all there, all the time. (Well, I have gotten a little better).

We end up throwing so much away. It is hurtful. And drives my husband bananas.

Last Sunday, I made a roast and some beef stew to just have made for the week (plus we had chicken stew from Saturday night - so since Roasts don't last more than 15 minutes in my house, we basically had chicken stew and beef stew as options for dinner/lunches whatever)

As of last night, we still have too much chicken and beef stew left. I think my husband is going to toss it when he gets home. Question though - even if it has been in the fridge for a few days - can I just freeze it now or is it too late, I wonder?

I really need to just separate when I cook for fridge use and straight to freezer use. It will help cut down on food waste (which will make my husband happier than my wallet) and also allows for less "cooking" nights.

I used to meal plan real hard. As the kids starting aging up, I meal planned less and less. And it is still hard to do because I NEVER know if they are going to be home or not for dinner.

I really need to either get them to let me know when I should plan for them to be home to eat OR I should meal plan based on just my husband, my 17 year old and myself (because even if she is at work, I am still responsible for feeding her, lol)

New Goal: Truck Payoff

October 9th, 2019 at 08:51 am

The interest rate on my husband’s truck loan is 3%. I think that is low (not as low as mine though – 0%  ) – but we are at a point now where the pay-off amount is something we could really get aggressive on and pay it off within 12 months.

We owe $10,336 on the truck. Currently his monthly payment is $608.44.

If we upped the amount paid each month to $1,000 ($391.56 more than what we currently pay), we could have this truck paid off in 10 months.

We will be keeping this vehicle for a very long time Husband has a 10 minute commute to work and everywhere we go in the truck is within a 15 mile radius – not to mention we usually take my car – he has extremely low mileage. Plus, we want the experience of not having a vehicle payment for a long time again (we kept his last truck until it was approaching 200k miles and had been paid off for 5 years).

I need a tangible goal right now. Something I can really focus on. Tangible goals have been missing in my life for a bit – it happens, right?

So – my goal is to get this truck paid off within 10 months – striving for 8 months.

This will make me actually look at my other expenses and make some cuts to make this a reality.

I already cancelled my ancestry membership. I know that’s only $240 a year – but its $240 I can put towards that truck!

September Credit Card Statement

October 8th, 2019 at 12:49 pm

My statement for charges in September 2019 has posted - I am trying to use this credit card for as much as possible for the travel rewards (Husband and I want to start traveling more - and if we are going to be spending the money anyway - might as well get some rewards back - of course we pay the balance every month).

In September, my husband and I took a trip to Hawaii. While the majority of the trip was paid for well in advance (flights, hotel, activities) - incidentals and food weren't. So September numbers are skewed higher in certain categories. (The money was already saved in the travel account so no worries about paying for them)

Here are the categories/amounts for September (which are discretionary categories):

Eating Out: $735.73

Entertainment: $314.92

Gasoline: $122.01 (Category is lower as we were out of town)

Gifts: $724.38 (this includes my anniversary/birthday gift from my husband)

Groceries: $340.35 (Category is lower as we were out of town)

Hair: $160 (I don't age gracefully, it appears)

Misc: $276.47 (I know what these charges are for - they don't just neatly fit in another category as they are a mixture of purchases)

United Airlines: $590 (Roundtrip ticket for me to go see my parents at Thanksgiving)

Since I just got back to blogging, I am interested to see how these categories move going forward - I just can't use the month of September as a basis as we were actively on vacation for 2 weeks of the month.



What happened?

October 7th, 2019 at 12:28 pm

I just noticed that my last few blog entries are missing? Darnit. I had just started getting back into blogging here! Frown

Well, I guess it is time to start again, again. Smile

What a week

October 7th, 2019 at 12:21 pm

Last week I was on Jury Duty... I got selected for a trial. It was an interesting and rewarding experience for me - I do believe in the constitution, after all.

After all the testimony we went to deliberate and 7 of the jurors voted not guilty and 1 juror voted guilty. After about 3 hours of discussion, it was evident that no one was going to change the 1 jurors mind and 7 other jurors were not going to change theirs - so we ended up as a hung jury.

Luckily, I get paid from work even if I am out on Jury duty, so it didn't affect my finances in that matter.

It did, however, reinforce the decision that no matter what amount of money is offered - I will NOT work downtown. The 1.5-2 hour commute EACH way was intolerable. Time is money, after all. thats a minimum of 3 hours a day I wouldn't get to do other things with - things that I enjoy.

I appreciate that kick in the head because I was toying with the idea of starting to look at other employers (due to some things at work - which aren't deal breakers - just not my cup of tea).

So. We might have been a hung jury, but the evidence presented in that commute proved to me that I would be a horrible commuter and that I don't care what they offer (we are keeping this within reason - no one is going to be offering me more than what I would accept to commute - its just the way it is) - I am not working down there.