I used it for about 2 months and subscribed for 6 before I remembered to cancel.

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It’s biggest drawback IMO is that it is =dinner only= oriented.
For my area (which only had 1 store to choose from) groceries came to about $85 each week for dinner alone. My grocery / household budget (food and non-food) is $400 a month for a family of 5, so $85 a week ($330 a month) is a huge chunk out for just one meal a day.
On the other hand, if you’re spending way more than that (and many people do), it’s a bargain 🙂 and it keeps you on budget.
It’s greatest strengths IMO are:

1. It gives you a plan, so there’s definitely no “what should I make for dinner, oh, let’s order out” thing.
2. Because you have a plan, you have variety.
3. It keeps you on budget, at least for your dinner meals anyway. It was consistently $85 a week in my area, so at least I knew what to plan for.

Lots going on here in the financial realm.

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On the “fun” news front, the parents have officially started to offload a lot of their possessions to us kids, as part of their move from one generous home and one vacation home, down to a single sensible home near my brother. He and his family got a lot of “goodies” from that move, and just today I finalized the bid to move our load of loot from Phoenix to here. As a Christmas surprise, the parents said they’d pay for half the move, after we’d already budgeted for the whole thing. So in short, we’ll be paying roughly $200 to get $2000+ worth of furniture and household items. We’ll be able to retire some of our college-days-era furniture (for instance, my desk is a folding card table), in favor of real furniture. We’ll also get some pieces that I grew up with and have sentimental attachment to, which doesn’t really matter in the financial realm but gives me a big warm fuzzy all the same.
In the bad news category, DH has lost the near-constant overtime which has been a very nice addition to the monthly income for the last nine years. He switched programs to something which is definitely less stressful, which is good, but it’s also less hours worked per week. So we’re going through another round of adjusting the household budget to allow for that. The goodies we’re getting from the parents will in some ways be our last hurrah for awhile. Which is just fine. Somehow, somewhere along the line, I decided I wanted to be done with our debts payback within a two year timeframe, and this month marks the halfway point. So my inner gazelle has been getting very twitchy to find new ways to save money, or make money, to pay down those debts even faster. Now with the loss of DH’s overtime, the twitchies have increased.

Towards that end, we’ve also decided on a fairly big project for 2013. I won’t go into details because it would be mumbo jumbo to a lot of folks, but we’re going to move forward with something called aquaponics here. It’s the marriage between hydroponics veggie production and aquaculture fish production. In short, it will allow us to grow a lot of our own feed for the livestock, and provide more market veggies for sale. It’ll be a lot of management time and effort on my part, but it will dramatically change the $$$ going out and $$$$ coming in. I’m hoping those changes will more than offset DH’s lost overtime, and that we’ll be able to speed things up and pay things off faster than we have so far, and get that debt GONE. All this talk lately of folks becoming debt free, and our own small accomplishments with our debt snowball, has me pretty motivated now. So, I might be pretty quiet in weeks to come as first I study up and then knuckle down on the physical effort to get this new project off the ground. But it will hopefully make a huge difference. So that this time next year, I can finally take my place on the rooftops and scream about being debt free. That’s the goal. Rather exciting, and intimidating, all at the same time.

Not a lot of bills at our home

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(thank the good Lord). Phone bill. We get two. I keep one until the end of tax season (a business line) and the other I trash after I receive the following month’s and see the payment from the previous month reflected. Direct TV. It’s autodrafted so I don’t even see the bill. I used to get a copy but they stopped sending it. It doesn’t matter. I don’t need it. I pay. Life’s good. Electric? I pay online. I throw the previous month’s statement away and only keep the current month’s. Trash? I pay one annual payment. No water bill. I have a well. Cell phones? My company pays for mine for work, my husband has a Dollar Store phone and pays as he needs it. Internet is bundled with the landline. Sewer? Nope. Have a holding tank I get pumped every couple of years. Netflix. Pay monthly. Amount is autodrafted. No receipt.

I really don’t have a lot any more. I used to keep a year’s of receipts but decided after the previous month shows payment that I really don’t need to keep those bills around anymore (unless I need them for taxes). All in all, I have very few bills. I autodraft weekly money into our ING account for ongoing biannual and annual bills. The homeowner’s insurance and winter tax bills on the house are due this month. Tax bill is bi-annual and the homeowner’s is annual. I’ll keep both those bills because they are biggies. I’m transferring money from ING to our checking to cover those two.

I’ve stopped complicating my life. Paper is a complication (mind you, I have been audited by the IRS in the way past, so I do get the fear of holding on to receipts for wayyyyyyy too long). Most of the companies that I can pay online keep online receipts, so as long as I see my payment from the previous month reflected, I’m good. Just throw the paper away….

I have ended up scanning a few

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– Like the end of the year bill to show the years activity – and then have been shredding. Has really freed up some space in our house and in my mind! Also feel good that I never have to touch the paper and think about it again.
This year’s stuff I keep in monthly folders and will go through in January as we prepare for taxes.

Hey, along these lines, how long does everyone keep copies of their paper utility bills?

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Stuff like phone bills, power bills, cable bills, etc? I have desk drawers full of old bills that I’d love to get rid of, and I’m sorely tempted to toss everything more than a year old. I figure if there’s been no dispute about a bill since it was paid 12 months ago, then it’s probably old enough to get rid of? I feel a type drawer purging coming on, if I can get rid of all that paperwork.

Stopped a few years ago

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even getting paper copies. I do everything electronically, and my utility companies allow their customers access to at least 2 years of back bills. I even stopped downloading PDFs and keeping them electronically. Fact of the matter with utility bills, its pretty clear whether or not the bill has been paid, by the availability of the service. If I don’t pay my light bill, I live in a dark house. If I have to prove it, I could go back to my bank records (all electronic too). Maybe I’m too trusting, but my paper consumption is drastically reduced.

That’s wonderful!

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These definitely sound like something that would get broken in my home with my two (very) enthusiastic young children, but I’d love to see what they look like, and I bet a lot of others here would as well. I’m sure they’re fantastic.I understand about the kids. I will post some pics to the photos section if the powers that be say it’s okay. If anyone wants pics sent to their personal inbox, just let me know.

How are y’all today?

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I am spending time at home today, trying to get some gifts made. Are any of you making Christmas gifts this year? If so, what are you making?

I have a question about selling handmade crafts. Specifically, I am making coasters from 4”x4” tiles and I am wondering how to price them. They will be in sets of four, usually a matching set, unless I find stamps that go together well and have 4 of them. Then I would make a set of 4, each with a different design. Four is an easy number to tie with string, jute, ribbon, etc. Any more than that and they are more prone to topple or otherwise get chipped, nicked or broken. I put four small felt pads on the bottom to prevent scratching table tops. The jute I am using come out to about 1¢/foot and I use about 1.5 feet per set.

My tiles & felt pads cost me about 52¢ total. I had some stamps and stamp pads already but did purchase 2-3 more stamp pads and stamps. I also can use these in my scrapbooking for personal use. Of course it’s very difficult to price out the cost/coaster for stamp pads and stamps.

I am thinking of $12/set or $20 for 2 sets (identical or mix and match). How would you price these? I am probably going to advertise by word of mouth at first to save some $ so I can build up a supply of coasters.

I might try to find a couple of local stores to put a few sets in and leave some business cards. What I thought is I would let the store keep $2.00-$3.00 for every set they sell. Does that sound reasonable?

Maybe this is where my ignorance shows,

Posted by tipphumane on
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but I think the thought process is that once you’re 100% disabled, you’re by default, retired. I don’t know if there is a thought process or method to save for retirement in retirement.

It is a different age now, the fact that it seems a lot of people cannot afford to rest on their laurels and fully retire from the paid work force, makes my above statement antiquated and your point more valid. If you have no income coming in, or a limited government issued check you are in effect trying to make it to the next check and there is no thought to saving if you haven’t done so by that point.

Maybe a dumb question.

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Since I have a disabled husband who is not receiving disability. It got me thinking how do people who receive disability save for retirement ? Eventually your disability turns into plain social security. How do you save to end up not eating Alpo? I had never considered it till now.

I don’t have a paypal debit card

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I haven’t found any disadvantages so far and we have had them for about 15 years. It really does allow easy access to our paypal funds, However, unlike paypal, it stops at the amount of funds in your paypal account and doesn’t feed from your bank .just a paypal account. Guess I may need to check into one. What are the pros and cons of it?

It not feeding from my checking account would be a good thing.

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I don’t want anyone having access to that checking account. But could I deposit money in from my bank account to paypal without a fee in order to use them like I currently use the bank I have for online shopping and travel only? A couple of my mystery shopping companies pay into my paypal account and I generally leave it there for shopping, but it’s not very much at a time AND with dh wanting me to quit or at least cut way back on mystery shopping that could stop entirely. I definitely need a way to do my online shopping when I can get so much of what we use in our day to day lives so much cheaper.

I’m so excited!

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Dh and ds have been after me for my Christmas/birthday list. It has been hard for me to come up with anything. I really want to be debt free in an uncluttered organized house. Talk about a gift! So I’ve asked for coupon books for chores and organizational items for my pantry and officу.
Ds just sent me an email reminding me that not this weekend but next he’s going to see his ungirlfriend (yep they are speaking again). Anyway, he says there is one of those used book stores that buys ALL your books (at a much discounted price of course) near her house and he has offered to take the boxes and boxes of books I have that I want to get rid of and sell them for me. Gazelle feed and clean book shelves all in one blow.
Even more so that he says he’ll help me get them all gathered and boxed up this weekend.

Now everyone knows I am a Disney fanatic)

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Ds went to exchange Christmas gifts with his ungirlfriend today. They have been best friends for about 16 years, but when they date they fight. So they don’t date. LOL!

Anyway his gift from her was beautiful! They went to DL Oct 2007 and the gift was a scrapbook made via Snapfish then beautifully personalized by her of their trip. It is a BEAUTIFUL album.
As he came in the door he told me that the sack he was handing me was NOT a Christmas gift for me, but that Ms H. has decided to not scrapbook any more. It was a large Disneyland sack and it was completely full of scrapbooking paper, stickers, decoupage art, 3D stickers, a LARGE MM icon punch, borders, embellishments, AND a brand new Mickey Mouse Scrapbook album. The big 12 x 12 one that has squares of Mickey faces on it with a photo frame in the middle of the front cover. We are talking probably $300 worth of Disney materials of all sorts! Of course some of it was missing because these were the materials she had bought to do the album she gave ds, but I am NOT bitching one little bit. Many of the packages had not even been opened. She also threw in her extra prints of the photos she had not included in the snapfish album.
I have thousands of WDW photos waiting on me to scrap. So guess who is planning a January full of scrapbooking! Whoo HOO!

Hello Rachel : )

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I definitely know the feeling.

At first it seems so reasonable. After all, who could object to making a little extra money. But then the promises begin. And then comes the whammy:

If you can make some “extra” money doing it part time, what would happen if you did this full time? It’s fun. It’s easy. The money will just come rolling in! And you did it all because you wanted to change your life. You took control.

Right?

Wrong.

Every MLM makes this promise. My MLM is not your MLM. It really doesn’t matter. Pay your fee, sign up here, get a little money in their pocket and they will show you the way how to get $1000. After all if you started your own business, you might lose everything. They’re REALLY investing in you.

Right?

Wrong.

They are right. The time is now – to walk away. Be glad you had this epiphany now, not months and years in. Not months and years of in debt over your head in. Not completely devoid of relationships you once cherished in.

You are right to be skeptical. You are right to walk away. You are right to be disgusted.

You are not crazy. That gut feeling you have that this MLM is a bad idea? Listen to it.

If anyone knows the temptations of an MLM, I do. The promises they make – we all want to believe that we will be the one to make it.

You will make it.

Without them. Without the MLM.

It’s been a long time since I dealt with special diets

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here’s some of what I remember…cooked yellow squash without seeds, carrots, white potato without skin. baked chicken or fish or soft cheese–cottage cheese is a good one. applesauce and any canned fruit except pineapple. juice without pulp. pasta or rice. tomato sauce, but not the good stuff with the chunks of tomato and lots of spices.

I hope some of this helps…I just remember my patients not loving the diet.

Need some serious menu help

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Due to a recent surgery and possibly facing chemo and radiation (I find out more on Monday) my doctor has me on a high protein, low fiber, low carbohydrate diet. 1,000-1,200 calories per day

Basically this means, for me proteins: chicken, fish, creamy peanut butter, soft cooked eggs (no fried) and high protein Boost. Veggies but NOT any of the cole crops (broccoli family), corn or corn products, peas, beans or other legumes, no whole grain breads/pastas etc. No fried foods, low spices. No fresh fruit or veggis only canned or cooked to death. No leafy greens. No beef or other grisly meat. I am normally a big veggie and fruit eater, especially salads and the doctor is adamant NO SALADS.

So folks do any of you have any suggestions on what meals/recipes that would be tasty? I am already tired of Boost after being on it for at least one meal a day (I’m suppose to be doing 5 small meals daily–generally get in 2-3, no real appetite). Help!

Two great things happened this morning

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1. The oncology radiologist told us this morning that in his opinion I did not need radiation for my cancer!!!! He didn’t think I would need chemo either. I am officially cancer free and they (6 doctors and 3 pathologists) say I have a 5% or less chance of reoccurrence in the same area.

2. We paid off our second mortgage.

I hope everyone is having as great as a Christmas Eve as we are.

Okay, so the house now officially belongs to us, not Wells Fargo

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So now it is time to take care of the Murphy hits that we received for Christmas.
1. The 30 year old furnace died. We are using wood heat (free) for right now, but by hot weather we will need the air conditioner.
2. All this horrible rain, our 16 year old roof sprang 3 leaks (2 around skylights and one in the dining room above the antique table). The skylight leaks the guys may be able to fix but the dining room one we have no idea where it is coming from.
Both of those repairs are very likely to be expensive. Besides those we have IRS for 2016 staring us in the face, most likely another $9,000 like last year.
If I can’t get BCBS to fix their error $6,000 out of pocket for 2015 will have to be paid. I am still working on this. You know me I won’t give up on that.
Then the payoff on the short term low interest loan we did for the fifth wheel is coming up due.
We want to pay all of this off before warm weather so we can bulk up our ffef and retire. Wish us luck. I did finally get my $2,000 back from the 3. Stooges last Monday. We used that money to help pay off the house.
Now that I am feeling so much better I am back to planning menus to live out of the pantries for as long as we can and decluttering more.