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Showing posts with label finances. Show all posts
Showing posts with label finances. Show all posts

Monday, April 28, 2014

No Love For the Blog

Poor blog, dying the slow death.  Let's see if we can resuscitate it.   I don't even remember what was happening when the posts dried up.  Let's see . . .

Oh, yes.  Personal make-overs, projects, and fan art.  Now for some quick updates.

(1)    The personal makeover is still in effect, though I've gone through several different tattoo designs by now and ended up hating them all.  Nothing is really wrong with them, but I can't decide where I would put them.  So now the focus is just working out and losing twenty pounds.  Seems feasible.  Unfortunately we weren't able to move to the better apartment with gym facilities, so getting to the gym on base requires setting aside at least a three-hour chunk of time, which the little poodle doesn't appreciate.  It basically burns all the crate time for the day, making errand-running hard to schedule.  After about a month of putting in these gym trips, I lost five pounds, but gained four back over the Easter weekend.  This resulted in a personal ban on milk chocolate.  Currently down two pounds of the four, for a total of three pounds lost.

(2)    Projects!  There are too many of them.  I find myself trying to prepare jewelry and stockings for both private commissions and craft shows, as well as using up lots of hoarded papercrafting supplies for personal projects and special requests.  At some point, I also decided to experiment with a hideous old piece of furniture my family knows as "the Elliot table."  Rather than chucking it in the dumpster, I decided to sand it down and see if I liked it any better naked.  I had no idea how long it would take to sand down a little side table and how many freaking sanding blocks I would burn through.  Fortunately I found said sanding blocks for $0.49/each at the salvage store.  Now I'm that crazy person who spends hours on the patio making horrible scraping sounds.

(3)    Took a time-out day yesterday to unwind and write fanfiction.  I have several stories running, two in various stages of publication, but I actually managed to churn out a whole page of new text for the one my husband is collaborating on.  First chapters are always hardest for me.  I'd rather get on to the good stuff.

(4)    Health updates.  After lots of drama and phone tag and scheduling snafus, I managed to get in for a hysterosonogram ordered by my OBGYN.  They didn't find anything incredibly interesting, but saw enough to determine that I do not in fact have a true bicornuate uterus, but only a partial septate uterus.  The plan now is to burn (or scrape?) the septum out in the hopes that it plus a progesterone treatment will increase the odds of a successful pregnancy.  I don't really have a lot of hope for it, but I'm willing to give it a try.  Frankly, they could destroy my uterus, and I would probably thank them.  The only thing that gives me the jeebies is their plan to put a camera through my bellybutton.  Yikes.

(5)    Doggie updates.  Andy continues to be nervous and anti-social around other dogs, but we keep taking her to Puppy Playtime at PetCo twice a week, hoping for a different result.  If the trainers just let me into the enclosure with her, we seem to see some results.  Despite being only nine pounds, she has no time for little dogs, but has perked up for a Great Dane and a Rottweiler named Valkyrie.

(6)     Debt report.  Ever since we committed to a puppy (who is now one year old and a Big Doggie at heart), overpaying the debt has been almost impossible.  The financial drain was quick and incredible.  However, after six months of minimum payments, I think we've made at least the beginning of a healthy recovery, especially since the little princess doesn't have vet appointments every two weeks.  We may even start overpaying again, except that now the older car is having a diva day for it's 60,000 mile check-up, and we expect at least a $1,300 bill.  Maybe next month.  Here's where we stand now.

This represents 61% paid, which is based on the number we started with when I started making all these silly pie charts.  However, if I use the original total of this loan, not taking into account the paid-off car loan, it looks more like this.

81% paid.  Booyah.

(7)    Work report.  Dave re-enlisted and, as of this morning, passed his weigh-in!  Yay!  Next time around it won't be quite so stressful, because one of his previous failures (one of which was not official and should not have even counted against him) will no longer be relevant, and his entire career won't be on the line.  However, since this is the year of personal make-overs, next year won't be a problem at all.

(8)    Also, I have a bra that fits!!!  It has been a personal revelation.  I've never paid $75 for a bra before, but Nordstrom is the only place I can find the appropriate range of sizes for purposes of trying on.  I had been attempting to fit into a standard 36 or 38 C, D, or DD for YEARS.  It was a daily battle of strap-slippage, cup-spilliage, and awkward manual adjustments, finally resulting in a personal routine of wearing a sports bra over the underwire one just to provide some staying power.  I now have a 34F (in British sizing) and it is FABULOUS!  Now I want to evangelize everyone.





Wednesday, November 6, 2013

Random Domestic Thought of the Day, Vol. I

While combing Netflix for my background TV entertainment while crafting, I came across TLC's "Extreme Cheapskates."  I clicked on it because I consider myself a sort of soft-core cheapskate, and I'm always looking for reasonable tips.  Some of them are doing things I've done in the past when we had barely enough money to live on, such as picking up spare change on the street and reusing paper towels.  I still unplug most appliances when not in use and tear my dryer sheets in half.  Not extreme measures by any means, but every little bit counts.

In many instances, the show reveals some of the affluent snobbery of the first world.  People who would rather vomit than pick the meat off the head of a cooked salmon have never been truly hungry.  I wish more establishments would set out the slightly abused produce and yesterday's bread with proper signage and a reasonable discount.  I abhor waste.  However, I'm probably not likely to make salad dressing by pouring apple cider vinegar into the dregs of a jelly jar, nor to use a wad of old tin foil inside a plastic onion bag as a dish scrubber.  More power to them.

I have no problem with cultivating slightly unusual habits to save money in the privacy of your own home, but when the fixation becomes highly inconvenient and/or publicly obnoxious, it's time to reevaluate the reason behind the behavior.  Are you really trying to get by, or would you just rather have a free ride?  There's a fine line between frugality and outright theft; fast food restaurants don't put out ketchup packets so you can leave with a pocketful and refill your ketchup bottle on their dime.  It is incredibly rude to pay a large restaurant tab with a huge bag of small change.  It is unreasonable for a man of means to have his wife (who has exhibited good financial judgment) on an allowance of $20 a week.

Today's random thought, however, deals with a cost-cutting measure which is neither rude nor unreasonable, but neither is it incredibly effective.  That thought is reusable cloth toilet "paper."

Toilet paper is tricky.  Buy cheap, and you're likely to need to use more in order for it to be effective.  Buy better and need less, but spend more.  There's a point after which effective toilet paper cannot be cheaper.  Anything more expensive is like buying a disposable quilted memory foam pillow for your butt -- extravagant and (in my book) unnecessary.  Your butt can suck it up.

The first world reels in shock and horror at the thought of reusable toilet paper.  Eew, urine and feces!  The family in question used old rags and cut up clothes for this purpose, a basket of clean pieces hanging from the toilet paper rod, a plastic trash can below collecting the dirties for washing.  It may not be as far-fetched as it seems, but it probably isn't worth the effort.

PROS:

Allegedly, using reusable toilet paper is "free," eliminating that expense from the budget entirely.  One of the appalled neighbors replied that she could never "contaminate her washing machine" like that.  Why not?  What about those reusable diapers that are making such a come-back?  What about reusable puppy pads like the ones I use?  There's at least one or two loads of dirty doggie laundry done around here each day.  When the washer smells a little funky, we run a cycle with one of those washer cleaner packets.  Not so shocking after all.  This is a real trend.  It's called "family cloth."

CONS:

Reusable cloth toilet "paper" isn't actually free, so I find it hard to believe it's worth the effort from a purely financial perspective.  The cost of toilet paper is negligible at best, especially when considered against the electricity, water, detergent and man hours required to maintain a clean supply of the cloth alternative.  If you can throw them in with a batch of cloth diapers being washed anyway, that's great.  Otherwise, I can't see washing them with anything else (except maybe doggie laundry).  I can see approaching it from an ecological standpoint, but I simply choose to pay a little extra for recycled toilet paper.  Two ply, of course.  In the end all the fuss and bother doesn't really seem worthwhile.

Hey, maybe you don't do it for frugality's sake.  Maybe you just like the idea.  In that case, there are lots of fancy options on Etsy.  These snap together for a look-alike toilet roll.  Might as well pay for the good stuff, right?  Brown is probably a prudent color choice.


Wednesday, October 23, 2013

Obamapocolypse Now

I hope all the Sandra Flukes of the world can rest easy knowing they enjoy free birth control at the expense of a young boy with a life-threatening milk allergy who can now barely afford his EpiPens, the family of ten who now live on ramen noodles with limited utilities in a futile attempt to afford medical supplies for their two children with Type 1 Diabetes, the self-employed chiropractor who can no longer afford his home and had to move his family of five into a friend's house, the families who are proactively quitting their jobs and declaring bankruptcy to qualify for Medicaid rather than face even more devastating financial ruin, the small business owners who are closing their doors because their healthcare plans will now negate their profits, the single mothers who now must work two part-time jobs because government regulations slashed their hours, and the doctors who are seeking early retirement or considering leaving the country because they feel the new government standards of limited care violate the Hippocratic Oath.

What a wonderful enlightened world we live in.  Many thanks to Matt Walsh for putting this compilation together.  People need to be aware of the real human cost.  For some reason, the Affordable Car Act has left millions of Americans out of work, out of money, out of options, and still unable to afford what used to be basic healthcare.

It used to be an option to just do without what you cannot afford.  Now if we try to do without, we are fined for our trouble.  They will get you either way.  Unless you actually quit trying to make ends meet, give up attempting to maintain a legitimate income, you will be hounded for everything you have.  I've been saying for a while that the real collapse won't come until the average American realizes he has nothing left to lose.  This could very well be the final ruin of the middle-class.

In the words of Emily from Iowa:
Recently our 2 year-old daughter had an ear infection. Went to the doc, got a prescription for an antibiotic. Went to the pharmacy to fill said prescription. I was expecting it to cost around 5 dollars because that’s what it cost the last time we had it filled. Wrong. It now costs 75 dollars. I paid 75 dollars for an antibiotic that used to cost us 5 dollars. When I asked the pharmacist, “Why the huge increase?” She replied, “Obamacare. And this is just the beginning.”
For more stories which will be detrimental to your blood-pressure, follow the link to The Matt Walsh Blog.  I read each and every one.  We're still covered by military health insurance, and I dread the day we'll have to face off with Obamacare.  With any luck, maybe we could join one of those religious co-ops if they're still exempt.  Shoot, at this point I'm considering settling in on welfare in an attempt to pull the whole edifice down sooner.  If we all give up at once, maybe we could just burn this administration to the ground and start from scratch.

This is one of the very few things that can make me stop and think, "Thank God we don't have kids."

America is essentially dead.  What on earth do we have now?






Friday, October 4, 2013

This Month's Magic Number Is . . .

200.  It's been turning up a lot in this first week.

  • $200 for student loan
  • $200 for credit card #1
  • $200 for credit card #2
  • -$200 in pay while the government is "shut down"

and finally, the surprise of the morning .  .  .

  • $200+ in emergency veterinary care for vomiting and bloody diarrhea. 
Really, puppy?  Credit card #2 was just a fraction of the payoff for her spay, and now it's right back up there where we started.  Stop being sick!  :(

Fortunately for her, I was just reflecting yesterday on how much I like our dog and how great it is to have her around.  The expense is worth it in the end, but seriously, that's enough for now.  

With any luck, I can finish a few commissions soon which should be worth about $200.  Should be able to get a lot of work done while the doggie is sick/napping in her quarantine pen.