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Do it yourself and save and other thoughts

November 7th, 2007 at 08:58 am

My heart monitor that I use when when running and my digial watch needed new batteries. I went out and found them at a good price in the local grocery store and replaced them myself. I saved a couple of bucks there.

I am keeping car usage to a minimum as the price of gas is starting to hurt. I expect closee to 4 dollars a gallon in the not too distant future.

The thermostat is as low as comfort will allow. Throws and fleece blakets are in the living room. Sweaters are "de rigeur" for this home.

The light near the street is shot and rotted through near the elctric outlet on it. My brother and a buddy will be helping me replace it when I get the money together. The price of having someone do it is prohibitive!

Trying to string together "no spend" days but I am not always successful. I am also trying to get the Emergency Fund back up to a decently high number again. It is really hard at times due to things that just pop up out of nowhere.

Well, I guess I'll just keep on keeping on!WinkSmile

Another beast of a day

November 2nd, 2007 at 03:49 pm

My wife had surgery on her laeg a few days ago. She has been bed ridden and I am trying to help out as much as possible.

I think though that I am driving my wife insane with the way I do things around the house that she usually does. Oh well!

I had to run her over to the Docs aas she thought there might be some post operative infection. He told her to stay off her feet and keep the leg elevated. He might just as well have been talking to the wall. Arrggghhhhh!!!!

I spent nothing today but a few bills did come in but they are in the budget. I hate days when I have to worry about health issues. It is very stressful. That is why it has been a beast of a day for me.

Tomorrow is another day and so is the day after that and so on. It will get better!WinkSmile

Emergency Fund took a hit

November 1st, 2007 at 09:20 am

Catalytic converter went on my car and my wife had engine troubles with hers. All told the cost was over 4200 dollars for everything that needed to be done.

Wife ran up some bills but I will not be payin ghtem nor will I get upset by them. Our finances are now seperate and we split the bills. I think she is less than truthful about what is going on but there you have it. I guess some things will never change.

I kust keep keeping on and put one foot in front of the other.WinkSmile

Still debt free!

July 28th, 2007 at 10:19 pm

I am still debt free. I have had some good fortune and now I don't have to worry about retirement so much. I was left a sizeable amount of money. So along with the house and our current savings plan the wife and I are set.

The house is free and clear as are our cars at the present time. Debt free is good! Very good! I am enjoying being debt free! Woo! Hoo!!!!

Best of luck and good health to everyone!

Checking In!

May 11th, 2007 at 07:52 pm

No new credit card bills! We have been paying cash for the most part.

The Emergency fund is back up to nearly 7000 dollars and we are aiming for 10000 with a 100 a month additon when we get there.

I have been keeping busy trying to make money wherever and whenever I can. We have some home repairs to make soon. I hope to keep the amounts spent to a minimum.

The water heater and some of the pipes in the basement had to be replaced. The total bill for everything came to 1138.00.
Sheesh! I should have been a plumber.

Thankfully the EF was available and we paid cash! Thank God no need to use the CC's.

Don't get around to the computer much these days. Maybe when I get a little more time but I work when the work is there in order to fatten up our retirement accounts.

Sometimes I wish I'd hit the lottery as I am not as young as I used ot be.Smile

I hope eveyone here is doing well. I will stop in again soon.

Losing weight and saving money

April 20th, 2007 at 12:58 pm

Hey gang! Been losing weight, Saving money, and having a grand old time. I just replaced the water heater and the pipes leading to and fro. $1137 with the tax and everything. I paid cash! I love what this place has taught me!

I already have a couple of hundred miles in on my bicycle already and I am loving it. I have not had time to sit on the computer as I would like. Work and exercise are filling up more of my time than ever before.

I have no debt as of this entry and I am hoping to keep it that way! I hope you are all doing well! God Bless!WinkSmile


April 2nd, 2007 at 06:51 pm

The bills come in and get paid. I work as much as I can and try to squirrel away as much money as possible.

I am down to 328 and still heaqding south in the weight department.

The wife is still watching the spending and things are humming along.

The snow is all gone and things are just moving along. I like autopilot asit means nothing is amiss that I know of anyway!

That is all there is to report. Autopilot!

It is snowing again!:(

March 16th, 2007 at 09:18 am

It is snowing again here. I really hate the snow! It makes life so difficult! To be sure it is great for those who run ski resorts and the like but I am tired of it.

When I was a kid it was great fun playing in the snow. Now I have to shovel it and drive through it and it is a pain in the neck.

I have been spending very little of late except on bills in the budget. I feel pretty good about that.

My DD is playing in the pit for her school play. She plays the piano and viola and is fairly accomplished. Sorry but I am so proud of her my heart may burst!

Wife's van got hit and we got a few estimates. We are going to use one of the lower estimates and bank the money left over. The insurance adjustor gave my wife about 1100 dollars and we found a really good shop that will do the work for 780.

We are not replacing some parts but they are still in good shape if not aesthetically. The bumper is sound it just does not look pretty. Who cares!

We have noticed that the prices of fresh fruit and veggies is getting a little ridiculous. I have been elected to go to a few grocery stores and the local farm stand with MIL to scope out better prices. I think we can make some serious savings hereif we map things out.

I really can't wait for the warmth of spring. Winter and cold has been hanging around too long for me!

Coming off the disabled list!

March 15th, 2007 at 12:37 pm

Well the bursitis laid me low for at least three weeks now. I have not been able to do some of the things I need to fill the coffers. I took a financial hit but what can you do?

I also developed tennis elbow because of "guarding" my injured shoulder! Geez I have all the luck!Big Grin

Some car and home repairs have really hit the emergency fund. Thank God we had the EF or the card bills would have been up again!

We now have only about 2200 in the EF. I am still being frugal and having scads of no spend days. I have to because of the spate of no earn days! I will be looking to make some extra money but I have to be careful not to get injured again as that could really set me back!

DW is still clipping coupons but she runs up the damn overdraft protection. It gets paid but I can't understand what she is doing! Well, at least she isn't running up thousands in credit card bills!

I am trying ot be really frugal and I have tightened the belt about as much as I can at this point. I continue the adventure!

Just Checking in to Say I Am Alive!

March 11th, 2007 at 09:55 am

Hi everybody!Smile I hope everyone is well. I apologize for my absence but I have not been feeling well of late.

I injured myself doing some work and I have been in a good bit of pain. Truth be told I injured my shoulder and elbow and the pain has at times been dreadful.

I have been going to physical therapy and I hope to be better soon. The top of my right hand gets numb and sitting at the keyboard becomes uncomfortable. I have set up things so it is not so bad now.

On the financial front things are status quo. I am still putting money away and there have been no major disasters. Thank Heavens!

I have lost about 20 lbs on the diet but now I am stuck at this point until I can exercise more.

Well, that is about all that is going on here. I hope to soon be a full participant here again!

God Bless and see you soon!

2007 Weight Loss Challenge

January 30th, 2007 at 09:36 am

Please visit Mjrubes Blog to read up on the 2007 weight loss challenge. Being healthy translates into lower medical and insurance bills. Being healthy means not losing days at work. Being healthy saves us money in the long run!

So I am making a long term goal of losing 80 pounds by Dec. 31, 2007.

I am making a medium term goal of losing 10 % of my present weight.

I am making a short term goal of cutting snack food and junk out of my diet. I also intend to eat moreveggies and fruit.

Please add a new category! Please add a
2007 Weight Loss Challenge category and save your health and money at the same time!

High Blood Pressure.

January 28th, 2007 at 12:15 am

Well, I have been diagnosed with high blood pressure. They have put me on Toprol. Oh well!

No major expenses since the washing machine and dryer.

I have been on the forums trying to say a few things here and there but my heart is not in it right now.

Bills are in good shape and wife has not run up any new ones and I have not either.

Hope everyone here is doing well.

Will check back in when my head is in a better frame.

Washer and Dryer First big expense of New Year and other doings!

January 11th, 2007 at 11:35 pm

Well, the dryer had beengiving us trouble. It is 11 years old and we had money aside to pay for it.

The problem is that the washer just went. The repair guy quoted us an outrageous price to "maybe" get it fixed. It is 11 years old like the dryer.

So with one fried washer and one dying dryer I took the plunge. I have the money to pay cash for a new washer and dryer. I guess I have 11 to 12 years to save up for new ones again!Smile

In any case they are coming tomorrow. I went with Whirlpool models given high ratings from Consumers Reports. The Consumers Report has not let me down in the past. It cost but I would rather have a quality appliance. I believ that oft times we buy cheap and pay dear!

On a happier note I opened up an Emigrant Savings account for my daugter and deposited 5000 dollars of hers in it. Emigrant has become so much easier to use.

I treated myself today to a cup of coffee and a bagel 4.28. Picked up a loaf of Italian bread 2.29. I also purchased two sheets of .02 cent stamps for .80 cents.

I am still trying to have as many no-spend days as possible. Well, that is my story for this week! I hope everyone here is well and doing well!WinkSmile

Making two Nickels to rub together!

January 2nd, 2007 at 05:44 am

Well, it's back to my efforts to make money so as to have two nickels to rub together.

I suppose Holidays are great but it feels good to get out there again. I'd love to blog more but work doth beckon. I guess giving up the boob tube for an hour or so in the evening is appropriate!

I'm going to try and accumulate as manmy no spend days as possible. It is really wild to note the difference in my financial condition as opposed to a year ago. I am hoping to be able to say I am in great shape by this time next year.

See you folks this evening and have a wonderful day!Smile

Nice, Safe, Uneventful New Years Eve!

January 1st, 2007 at 12:36 am

We ate at a birthday party for my sister early in the day. We were fed at a friends house where we went to watch the ball drop.

At my friend's house we sat and watched "My Big Fat Greek Wedding"! It is one of my favorite films of all times. Each time I watch it I pick up something new!Smile

It was nice to see Dick Clark back on the TV for the Ball Drop! He has recovered nicely God Bless him!

No alcohol tonight just sparkling apple cider. What a wild man I am these days!Big Grin
The diet starts tomorrow though! I pigged out folks!

Life is good and everything is on course for now!