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Archive for July, 2012

How can it be.....

July 3rd, 2012 at 02:00 pm

...six months since I've last posted! Life gets so busy!!

I had to update all of the girls ages, and added another kitten to the batch. My third daughter was driving home from the next town over, and found a little kitten near its dead mother next to the road. Its a rural area, so no nearby homes, and well, she brought it home. We had our vet check her over and deworm her. Such a sweet little tortie calico, but pure kitten too (livened up our middle-aged kitten crew!)

My oldest girl is spending the summer working at the college. We got her moved into her new place on Jun 1. She missed a few days of work when the city was recently flooded. Her place only got a little water in the basement, but some of her friends had a bit more. Our favorite state park near her is closed due to massive damage - it may be years before it can reopen, though I hope not. Not sure what we'll do for our warm-weather economy lodging for a while...luckily we were up there a week ahead of the flood to visit and camp. What devastation though...

My second girl has finished her cosmetology program, and started her career this week! Her plan is to work, live at home for a few months and get her finances in order before she moves out. She's our one that really likes to plan things out, and then goes for it! And she's looking forward to signing up for the retirement plan as soon as she's eligible Smile

We'll be checking out the local two-year colleges this summer with my third daughter. She has had an IEP throughout most of her school years, so I'm a little worried (as moms always do!) But she has definite goals in mind for the future, and I'm sure we will find the right place to get her started.

My baby is taking her classroom drivers ed starting next week - how can this be??! She is my outdoor girl, and we've been spending a lot of time at the lake this hot, hot summer. We finally purchased a couple of kayaks this year, and been using them nearly daily. We often take them to our favorite swim beach, and kayak for an hour, and then swim and float on floaties for the rest of the afternoon. I lead a very charmed life, I know Smile

Money-wise -

I took my summer pay lump-sum after school ended as I usually do. Most of it is in the savings, though we helped out my oldest when she wasn't working during her May term - her school schedule was very full and intense, as the term only lasts three weeks (but by doing so, she'll graduate a half-year early, so good trade-off!)

We took our camping trip just after school ended and had a lot of fun. The rest of the summer will be pretty low-spend though, with trips to the library and daily to the beach. No one is going to school this summer which helps (except drivers ed, but that's already paid for.) Have some vacation time for husband in August, but school activities have already snuck in and claimed some, so we may get a start on painting the house (if the weather cooperates.) We've always painted our house ourselves, but we'll see how we fare - not as young as we used to be and the girls have `full calendars - I have some ideas of potential painting helper hires too.

The two younger girls will be heading to Italy for a band trip next March. I have the funds ready to pay out as the school asks for it. I do need to get the girls passports, and look for a deal on luggage (our camping duffles probably won't be up to snuff.)

We had a slew of medical and dental appointments - easier to manage outside the school schedule. Most will be covered as free annuals. I felt like I splurged, though it's been a number of years, and got myself some new glasses. My distance sight was the same, but the bifocal had doubled in stregth in the four years - my age is showing! Our new eye insurance allows only a few places in-network, and so I tried out Target optical (my girls tried Pearle Vision last year, but I didn't find any frames I liked.) So far, so good...but I still miss the service I'd get from my local stand-alone place.

Speaking of medical - We're trying out the HDHP with HSA choice this year, and besides a few panicked early months, I think we chose well. So far, we've spent a lot less than last year overall. It's just when it all comes at the front, rather than piecemeal throughout the year, it's a little scary. I also have covered everything without touching the HSA so far. I could reimburse myself or use the debit card for the account, but I'm trying to see if we can build the account up for future, more costly use. If we don't use it, we can keep it for use during our retirement years, when we may be able to afford the costs. We'll see...I feel like I'm still learning the ins and outs of this all.

Well, another hot day on tap.... we did put the window ac units in last night ...we're all a little less cranky! The heat's supposed to ease up by the weekend, hopefully. A little straightening around the house, figuring out what's for dinner, a few errands, and then it's to the lake for us Smile Take care!