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Treading water

I really feel stalled.   I know we're saving for the babies but I'm just feeling really stalled and like I'm not making the progress I wanted. Our food costs have skyrocketed and we're eating out more due to my pregnancy really. I have been making my weight gain targets only because of what we've been doing with our food. I have so few things I want to eat and so much makes me nauseous. I'm at 23 weeks right now, and have 7 weeks more before I'm out of the "high risk" category for twins. I

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No new debt!

I'm trying to keep that mantra going.   I really want to get solar electric this year before incentives in my state go away.   Either we can go with a smaller 2.5K system that will cover a bit more than 50% of our electricity cost, or a full 4.5 to 5K system that covers 100% of our electricity.   Either way it's a 6 year payback.   The main problem is you have to pay up front. I believe we could raise up the funds (instead of the slated new car fund) but the early fall and be able t

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Raise to start next paycheck!

Sweet,   I am getting a raise next paycheck and I'm also getting an extra week of vacation and my extra stipend for the year that I gave back last year!   This will cover the decrease from my additional health insurance, and the higher limit for 403b (like 401K) deduction this year and still put a little bit for my snowball.   We're also considering investing in solar electricity this year with the excellent incentives in our state and the 30% tax break! That could reduce our electricity

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Looking forward to 2012!

I just finished hashing over a bunch of projected tax expenses and it looks like the increase we've been taking out of our paychecks may be giving us a refund, but I still have to wait for another couple of months until all the paperwork comes back. Also our accountant has so much depreciation in there for the home business it's rather confusing. But I think my conservative estimates are that we'll be covered.   If that holds true, we should by April be able to fill both our Roth IRAs, our S

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My Journey To A More Frugal Christmas

The past few years have been interesting. I come from a family culture of huge gifts, and it's not really just about materialism, it's about thoughtfulness, getting people things they wouldn't get themselves, personalized gifts, and seeing the smile and joy on the faces of people I love when I get it right. With my mom though, giving gifts has always been an expression of love.   Let me say this year I still haven't fully achieved a frugal Christmas, but at the same time, I'm thinking about

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Ffef Safe From Me!

Man if I had not put that FFEF into CD's, I would likely be sending a hunk of it into the feds as an estimated tax payment.   We increased our withholding this year, but it still didn't make it up to last years total taxes. I guess we didn't calculate very well.   I'm going to sink as hard as I can this month and squeeze the budget as much as possible to get that estimated tax payment to the IRS before the end of the month. Squeezing the budget is what I used to do in BS2 all the time, but

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Don't Know If We'll Make It.

It's so lucky that I put the next month of FFEF into that CD, or else I'd be sending it to my Roth IRA right now.   Our average snowball is about 2K per month.   We've not had any income from DH's business in the past 6 months, but he has upcoming checks coming in, but the first few are going to reimburse money he borrowed from our budget to pay for some stuff for his business.   We need:   5K Roth #1 5K Roth #2 likely 3K for SEP-IRA   All before April 15.   Also we might owe some

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Reimbursements Are Such A Disappointment

I'm sort of bummed because I know we have DH's income coming in, but I'm expecting a bunch of reimbursements from my work as well as some from his work, and we advanced him money from our budget for end of the year expenses for his business so what he brings in now will go to filling in the RED in our budget for those reimbursements instead of moving us forward.   Oh well, I guess we'll be moving forward soon enough.   Thanks to this board I shrunk my home maintenance fund a little smaller a

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3 Month Ffef In Place

I feel so much better having this FFEF in place. It's in CD's for now, so that I won't be tempted to touch them at all. One month has a 3 month interest penalty which has already expired, so I'd lose nothing on taking that out. The second one has a 6 month interest penalty so in 4 more months there would be no loss if I needed it, and the third one has a 6 month penalty so we have another 6 months to go on that one.   It's great to have another mini-goal accomplished.   I have about $500

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Upcoming Goals

I've realized that my goals can change over time so I am checking in and updating.   1. We want to fill the Roths and SEP-IRA for 2011, and need to get it in before april 15,2012   2. I promised my DH he could have a certain percentage of his home business income to reinvest in the business. Unfortunately, that income has dried up so we have to take that from our budget, meaning our snowball.   3. Building FFEF 1 month at a time with 1 week at a time until our home maintenance fund is fu

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Setting Limits To Take Better Care Of Myself

I take on way too much stress at work which leads to insomnia, and then overwork and get sick, and then take a while to recover.   I'm going to try to be more accountable to myself here in terms of setting limits to take better care of myself.   1. Walk 3 miles (1 hour) every morning with my dogs (have been pretty good about this lately except when I'm sick) 2. Eat regularly, not skipping meals (getting better about this) 3. Get to bed early every night (pretty big challenge) 3. Freshly m

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Fertility Struggles

So now I'm paying out of pocket for fertility drugs each month, and am planning on moving to the next step. I'm hoping to enroll in my work's health insurance later this fall Then I can really proceed. I also am still planning on an adoption fund however. I have to keep a light at the end of the tunnel. I wish I weren't so afraid of having twins. I really hope I don't need to have any more surgery. It's a relief to know I have my medical fund in place for right now.   I'm looking forwar

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I've Had Enough Of Murphy

I found out our electricity bill this month was higher than usual and couldn't figure out why. Then I noticed a toilet only DH uses was slowly leaking. This was causing our well to run 24 hours a day and causing increased condensation in our basement. We bought some toilet repair stuff at the hardware store but it still leaked. No plumber in the area can come since they're all dealing with bigger emergencies since Irene came to town. So now we just ordered another old part off the internet

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Murphy Strikes Again!

As if unexpected vet bills and car bills and healthcare bills (ER visits) and increased gas costs and increased food costs especially due to my husband's freshly made juice fast were not enough, Irene filled up my basement with half a foot of water. Talk about blood, sweat and tears. My DH and I hauled our shop vac filled with 100 lbs of water up the basement step and out to the back and across the yard to dump down a decline on our property I don't know how many times. It was a 6 hour projec

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September's A 3 Paycheck Month!

We had a lot to cover this month with car maintenance, home repair, increased gas and food costs and will still have to use some of our income for home repairs but extra paychecks bring us one month closer to month 3 of our FFEF!

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Juicing Veggies

It's sort of like drinking vitamins.   My DH and I just recently watched fat, sick, and nearly dead on netflix and he was inspired to try the juice fast (he's cheating a bit with nuts and eating fruits and raw vegetables a bit. I'm not trying to lose weight so I'm just having some of his veggie/fruit combos 2-3x/day and I do feel like my mood is improved and I have more energy.   We fortunately had a juicer that we got years ago but hadn't used it. I used to think of it as a waste since ea

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Appreciating The Life You Have

I have friends who are thinking about divorce and as a child of divorce myself I'm reflecting on appreciating what you have. In Indian culture there is a different attitude about marriage of being happy with what you have rather than chasing your dreams. I think we have a big problem always imagining life would be better some other way in American culture. In some ways, it's good to imagine a better life, because it pushes you forward, but I was thinking how this Indian way of thinking is ver

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Drop In Income Now Expected

I'm feeling rather dispirited because I always allow DH to purchase one large thing every year to improve his home business. In this case it's a purchase of about 15% of his business income. So what that means is that the rest of his income from his home business (which tends to dry up over the summer and really gets ramping around the beginning of the year), is to go to this purchase.   I also need to be more assertive with my boss at work because I took 2 paycuts this year to try to avoid

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