Thursday budget and other stuff.

Heres a few pictures of the trees.image image imageThe front of the house looks so different. Its amazing what money can do..(ha Ha)! But it was worth every penny. I’m hoping to start next years tree fund and do 3 more trees next october, unless we win the lottery, and can do it sooner.

I’m cleaning around the house and doing a few extra things to get ready for my sister coming in from connecticut.  She won’t  be here till evening but still i want to have most things organized. I’ve got at least 3 meals planned. Taco bar, roast chicken/tofu, and a potato bar night with salad.

I’ve been working with YNAB pretty consistently on the budget and it’s helped look at the month a head. This month, though ,we’ve got our annual house insurance, then next month, property taxes. So, they’ll have to be squeezed in. So that mean no savings but hopefully nothing out of EF. This month was the first higher mortgage payment and it does make a difference. Once, the last medical payment is done, I can use that to boost the dollars for the extra mortgage. I’m going to call and check on the credit were suppose to recieve as a result of the modification.  I don’t think we can do another modification though.

Costco was a bit expensive(400), but this included some Christmas stuff and extras for when my sister is here.

I hope I don’t need to go the store too much.

our weather is suppose to be great. Very fall like, warms in the day, cool at night.

Thursday stuff

Well, I’m kinda slow on the uptake. I think my foot problem is peripheral neuropathy. It seems to make sense since the bunion thing doesn’t really add up. But, I haven’t had any neuropathy so I’m not too sure if this is what it feels like. But it’s all started after I stopped dex, which I’m guessing was keeping this in check? Maybe,? I don’t know. But I’ll see my regular GP, who isn’t really all with the program of MM. But hopefully at least I can rule out something. Anyway, one day it’s ok, the next it’s really hurting and numbish( is that a word)?

today I’m off to do a little training at the library on the iPad. Kinda silly since that’s all I use. But, hey I’ll get paid. Then off to pick up some prescriptions and a few things from the store.

I might go to target but not sure yet.

We have almost decided to not get the oak down, because of the cost factor, and we are still losing some pines down the hill. We are not sure how many more are going to get bark beetle. So I think we’d better wait.

its cloudy today and rain is expected this weekend.

Just keeping on!

It’s Tuesday. So it’s my work day. Tuesday is usually our busy day. We’ll see. It rained last night and it’s nice this morning. It’s a very pretty fall. We’ve lost at least one more tree to bark beetles, so I think that’s 5. Not sure what we will do. I just hope that’s it, but it looks like I see the top of one more starting. We still have the date for November for the big oak and one pine. It’s a lot of money to do but I think it’ll be worth it. These down the hill will just have to wait.

I started some crock pot pintos for dinner and I’ll make chicken enchiladas after the tortillas thaw out later. I’ll make enough to freeze at least one dinners worth. Last week I did 20 stuffed potatoes and 12 bean burritos. It makes sense to make what we eat and not stuff that’s just extra. When I started batch cooking, I made all sorts of recipes from the freezer cookbook. But some weren’t really to our liking. So, live and learn.

So far still feeling pretty good except my ball of my foot, which I’m guessing is a bunion or arthritis ? I’m going to get a referral to a podiatrist but that may take time. Tonight’s my last revlimid for this cycle and then it’s wait for blood test and doctor appt.

Other than that nothing too much going on. That’s nice really.

Applegate fire and budget woes!

So, from my blog most of you know I work at a little branch library. It’s Applegate. So yesterday a fire started in 7 different areas on I-80. It closed the freeway and by afternoon evening there were mandatory evacuations. Pretty scary. I don’t work Thursdays so I’m ok, but will the library open. If she can get there probably. Hopefully it’s all better by this afternoon but it’s smokey here. Scary to think about evacuating. Grab your pets and go. So I’m worried about some of our older patrons who I know we’re evacuated. I hope their safe.

So on to budget stuff. We had our mortgage modified under one of the first Obama programs. It was great.and easy. But now the interest rate has changed per the modification and our payment has gone up $150. That’s quite a bit for us, but what’s really scaring me is it will change again next year too. I didn’t know that or chose to forget. But another $200 increase will kill us. We will have to sell. Any number crunching I’ve done for retirement is based on the old payment amount. So, it is difficult to think about. I’m not a mover and with my health always in question it will not be easy. But there is no

way with the new numbers could we do it. I’m going to call the mortgage company and see what they say but probably there’s nothing they can do as this was part of the loan agreement. Its very depressing to me and I hate to think about the stress if it all. I am also a planner and I guess I’d better start planning our options. Rent? Whatever.? I don’t know… It’s just hard to deal with this at our age.

otherwise, I’ve done well with not buying lots of groceries. Today I need to get 1/2 and 1/2 and some other things.

We also still do not have the car back from the repair shop. This is now 6 weeks and that is so messed up I can hardly deal with it.

Plus, since I’m off dex, everything is hurting more as dex is of course a steroid that is anti inflammatory. So that completely sucks. Yeah great to be off dex, boooo, I’m hurting.

gee what other bad news, oh the trees. We have now another one dying. The tree guy said it’s way complicated to get these down. It’s probably okay to leave them as they are down the hill. So we looked at the oak near the house and one pine. $1700 is the quote. We said ok, but now I’m really thinking we can’t afford it. They are not a threat yet so should we wait. I’m really insure. We really have so little savings and this would be a big hit. Plus we have property taxes due in December. Ugh…. We just can’t cut a break …

Well, on that dismal note, I’m off for the day.