Well we are still running behind on getting to our debt

free goal for the first six months of the year, but we are also accomplishing stuff we’d planned on waiting until the second half of the year to do, so I guess it is a wash on the good and the bad.
We had originally planned on putting most of the truck repair off until after the cc were all gone, but then the head gasket went and…since it is our main source of transportation it was either dig into the FFEF we had already started instead of waiting until we could get $5,000 in the recently depleted truck repair fund or try to fit all 3 of us in ds club cab Colorado which truthfully has no back seat to speak of—it would barely hold a baby seat.
So we decided that we’d take out the $5,000 and do the truck. I know some folks would say putting an additional $5,000 into this truck after the over $2,000 last month into may seem foolish. But we are talking a one ton diesel dually and anyone who has ever purchased one of those brand new with the type of “extras” like the towing package and such on it knows we are talking $55,000 and up to replace it. We of course wouldn’t buy a brand new one, but at least with this truck we know its history.
The body is sound, the motor is sound, tires are in decent shape and with the repairs last month it has all new hoses, belts, water pump, windshield washer motor and blades and brakes. It gets decent mileage for such a big truck and pulls that fifth wheel with no trouble at all. We have hauled a ton of feed in it on more than one occasion and it never even acted like it was there. So we felt that we could not replace such a truck for the total of $7,000 we were looking at.
Now the good news, the original repair price came down a BUNCH, first a little under estimate, then they applied a 10% discount because of the three trips in during the last month, so the total came down to just (choke) $4,200. CELEBRATE, but there is more. It’s a good thing we took it in when we did. When we picked it up Friday the guy asked if we had pine trees. Of course we do. He responded, well you also had a small fire! Apparently in the drive home from Branson we should be very thankful for the very cold weather we drove through. Some pine needles had gotten into part of the engine compartment and had partially burned, melting the covering on a lot of wiring in that area. They replaced all that for FREE! So now I have a new wiring set-up under there too. So we are very glad we went ahead and did the repairs when we did.

When I went to put the money back into the ffef that was the difference dh stopped me demanding I get my eyes checked now too because my double vision is getting very bad and such things as walking on certain solid colored slopes or stairs is becoming more and more difficult to judge the depth. I agreed to as long as he got his eyes checked as well (it’s been 7 years since he had his done) Our appointment is a week from tomorrow. We’ve discovered we have a VERY good vision plan that should cover most of the cost, so some of the money MAY go back into the fund yet. Better to use the plan while we still have it and before Obamacare tries to mess with it!

By doing our vision checks now we will be able, should we decide to, cancel our vision insurance that is coming up for renewal the first of May. Timing is everything. We’ll see what Doc W says about my eyes first though.
My deep cleaning is still in full force. Saturday we finally got a non-burn ban day with no wind and we burned trash from all the deep cleaning all over the house I’ve been doing for 6 hours straight. I cannot tell you how great it felt to empty all those trash barrels and bags. We still have more to do because I’m still digging things out. I was serious when I said I was going for scorched earth on clutter. The cats are starting to get nervous!
We seldom drink canned sodas, but we had nearly $7 worth of cans to recycle from dh’s office. No one up there wants to recycle, so dh brings them home and we get about $7 every few months. It’s a good deal for us, not a big amount of money, in fact our running joke is “That’s two cokes at WDW”, but it’s two more than we’d had. So we hauled off the aluminum, and all the cardboard from the “storage” boxes I’ve been emptying since our last run to the recyclers.
While there ds picked up a list of what they now take at that center and we discovered a lot more we can recycle, including some softback AutoCad manuals we’ve been trying to figure out what to do with. So we’ll be hauling a lot more to the recyclers and less to the dump now. A win for everyone involved.
This last week saw dh doing more repairs around here as I dug out more to get rid of, ds found out he’s making a B+ in his class he’s taking and that will go to an A if he turns in two projects for the nights he missed due to ice. He did those projects this weekend.
Dh tried to take the last of his 2013 vacation time this last week, but they had a rush job, so negotiations were done and if all goes well he’ll be taking off Friday of this week through Tuesday of next week. Sure hope the weather is good because we have so much we need to do around here to get ready for summer, which in Oklahoma could be next week! He did get in writing that they are not going to take that time because he hadn’t used it by today. They were threatening (that comptroller again) if he doesn’t get it used soon. His part simply said he’d take it as soon as the company would allow. So we’ll see. LOL!
In my odd hours I’ve been design cards and scrapbook pages so once I start creating daily I can go full out. I did use some of my craft budget to shop that huge sale I mentioned last week. I’m excited for all that stuff to arrive and have already started preparing tidy storage for those items.

Frugal or Smart?

I’m getting ready to buy two tires for my Honda. I want the tires to match the same brand as the other two.
One tire is $110.00 for 320 tread wear and the other choice is $135.99 for 600 tread wear. It seems worth it based on the tread wear to go with the higher priced tire , but my frugal bone wants to buy the cheaper tire.
Since I don’t know anything about tires, any advice would be appreciated.
PS: I live in Southern CA, so I don’t worry about snow or rain.

Hey, you brought up several good points

We are debt free except for a small car payment. I think maybe it would be best to allow more for me. I have not worked so I will have to depend on our 401k and social security. I’m not sure if I will get anymore of his other pensions or not. He’s just retired and we’re not sure about a lot of things!

This last week saw us clearing things out, unfortunately no major debt, but things

As those of you who follow my Princess Plan know I am currently concentrating on doing one small section/organizational thing at a time in our nearly 20 x 20 home office/craft room combo. (part 5 just put up at the link below if you are interested in today’s post).

Well all that cleaning is resulting in a whole lot of stuff needing to leave the property permanently. Monday-Thursday I cleaned and sorted like crazy and made huge headway. Each night the guys would come home to find the upper landing littered with boxes and bags that needed to go elsewhere.

myloan

The big haul off started on Friday and continued through to today.

Friday saw the removal of all things recyclable. Saturday we went to the dump. Sunday the truck did double duty with hauling feed home and then being loaded for Monday’s run to the local charity donation site. I did get ds’ $63 back from the feed store from where they had double charged him for feed a couple of weeks ago.

Add into it the general pay day errands and I felt like singing “On the Road Again” by the time I got back from Okmulgee today.

Now that all that stuff is gone (three 1 ton pick-up loads) I can better see where to work next and so can the guys.

Is everyone sitting down? Dh has decided that all the old electronics, computers, scanners and such that I’ve been complaining about for years are indeed a huge waste of space and a tripping hazard. HE suggested we recycle it all. I’m going to hold him to it and hopefully another truck load of stuff will leave this next week. That will empty out most of what is left in this room and in the walk in closet. I am so excited! Guaranteed payday loans for bad credit www.NowGuaranteed.com and we managed to stay under budget on groceries all last month so that was wonderful, as well as cutting down on fuel usage, at least until we hauled everything off this last weekend.

Dh started checking the truck and trailer out to see if they will be road worthy in a month or so for some short weekend getaways. Tires were in far better shape than he thought. LOTS of tread left on both—That’s over $2,000 we won’t have to lay out soon thankfully.

Although the truck does need an alignment and he wants the transmission checked along with the belts and hoses before we travel. This big diesel truck is beyond his capabilities on doing a lot of stuff on it so once we get the first social security check (DUE WEDNESDAY—I’M SO EXCITED) the truck will go in for its 190,000 mile check-up.

He checked the lights on the trailer and of course the dadburn field mice have messed up the right turn signal and brake lights AGAIN! This is despite all the mousing critters we have and the boxes of poison and traps we keep set. Why do mice like wiring so much? Luckily he knows how to do the repair because to haul it to the shop is a long drive without proper turn signals and brake lights, plus they charge $109 per hour to work on it. So repairing the lights is on his to do list now.

Ds got in a small amount of overtime on Friday and that made him happy since he is paying extra on his “mortgage” aka: Sallie Mae and is finally starting to see the balance go down fairly rapidly.

On our own snowball we are still limping along having managed to cover our usual January shortfall this year followed by several minor extra expenses like Jellybean’s tail in February. We had hoped to pay off a bill this month, but unless the truck work is cheaper than I think it is going to be it’s not happening. Maybe in March, we’re getting close to another one being gone and I can’t bear that I can’t kill it all in one whack like I had originally planned. But life happens.

At our weekly family meeting we decided because of the plans we have for this spring and summer we will limit our gardening to some large flower pots at the first of the season while we re-vamp the bird pens big time and then once the birds are moved permanently out of the garden do a major build up of that area before planting late summer and fall crops in it. That was a major decision and one I had to really compromise on. I wanted the full fledged garden, but had to be realistic about our limited time and capabilities right now. It will be worth it in the long run.

I should end up with both the bird pens and the garden area I want in the long run. If being on DR has taught me anything it is good things come to those who wait.

THANK YOU FOR MOTIVATING ME !!!

I looked at all those Goals for the Weekend and so many were filing taxes.

I thought. OK. It’s going to be ugly, but I’m going to sit down RIGHT NOW and file our taxes.

Yeah. SO I SHOULD HAVE SUCKED IT UP AND DONE IT IN FEBRUARY.

The GREAT NEWS: We get $3065 back from the Feds and $684 back from the State.

The BAD NEWS: They’re not actually going to send us checks.

The GOOD NEWS: I imagine they’re going to confiscate it to pay our federal and state back taxes. But that means at the end of the day, we might only owe the Feds about $1200 and the state about $200.

THAT is a HUGE WIN for us. Can you imagine? Being almost debt free from the Feds and State after being unemployed for nearly a year??

I am THRILLED !!

Well, after 5 months of PT

for whiplash and a shoulder sprain/tendinitis, I finally finished up. I figured out that I spent 60 dollars weekly for this – or about 1200 total. It was needed, but now I have that money to put back towards my goals. The snowball suffered some, but we did not go into any more debt during that time.

That was on top of spending 900 last spring for PT for my knee. Worth it to be pain free, but I hate spending the money.