Not much happening lately. After a little time of spending - final payment on a Washington DC trip for the 8th grader, a sports registration fee, some school supplies sale shopping, etc. - we're in a blessed quiet time money-wise.

We've been heading to the beach nearly every day (storing up these warm, sunny days for the long winter!) The girls and I have been making great use of the various close-by libraries. They are all part of our county system, but each has its own personality (plus they are near where we do errands, so no extra gas expense.) I should add that all of the libraries are wonderfully air conditioned, and we are not at our house...so a nice break on some of hot,muggy days.

We're getting ready for a week of camping up north along the North Shore of Lake Superior. My husband and I and our two youngest will head out early with the tent and gear. My second girl and a friend will head up later after work, with everything that doesn't fit in the minivan. My oldest won't be along for the first time - she's on a road trip with a friend and her mom on their way down to Florida. I'm a tad nostalgic for the old days of cramming everyone and everything into our old conversion van. Bit by bit, I grow up too with my girls - ha! This is an annual trip for us, so it's relaxing and fun.

We had a little rain yesterday morning, but I still could hang out on the line before noon. The dewpoint was so high, it took til well after dinner time to dry.

After a concerted effort to reduce some of our utility costs, we've had some successes. The water/sewer bill came in at $30 less than last quarter, which ends up being about a 10% reduction - not great, but at least down. The electric bill went up a little, though, due to rate increases, warm weather and fan usage. I got a call about a week ago from the natural gas company, stating in an automated message that the rates will be going up about 50% over last year. We got the bill, and sure enough they did. The past year we've been paying $84 a month, and we're scheduled to start paying $129. In all the years we've been on this program, they've estimated our usage higher than what it is and re-estimate our bill in February....may it be so this year! It seems our saving efforts just go to maintaining our status quo, and that's better than not!

Take care!

I got a check on Tuesday, and my husband got his yesterday. Oh, the ways to spend them!

After the deluge of recent medical, things have settled down - finally! In a bit I'll head to the grocery for our two week shopping.

I do have a Target list, and a pack of girls who want to come along. They have been informed that if something isn't on my utilitarian list, they have their own money to spend.

Upcoming spending to keep in mind...

We head up for our annual camping up in Duluth and along the North Shore of Lake Superior in early August. We don't spend a lot, and it's probably a wash for what we would spend at home. But gas prices are up, plus we like to eat out a couple meals, as a break from the hot dogs and hamburger over the campfire.

My third girl is a returning cheerleader, and the fee is due mid-August. So far no mention of an extra camp (and fee) - this is good!

Then there is school shopping - hiss, boo! It seems like summer has barely started... Actually, only the two youngest have supply lists, and the older two just need basic supplies for high school. Bags and backpacks are in good shape. My youngest will need athletic shoes, though her feet keep growing fast, so nice but cheap is in order. She'll also need some jeans. They all enjoy going to a favorite thrift store, and of course to Plato's Closet. We don't buy too much up front, as it's still warm at school. A nice outfit each usually to start. School pictures are the first day at the high school.

Speaking of pictures...I started pricing some senior photo sessions for my oldest. There is quite the price range, though I can't imagine paying some of those top figures (someone must though.)

Enough thinking of ways to spend. There will be still enough to send a few hundred over to savings. It's nice to get it all together to do all three...earn, spend, keep.

Take care!

My husband had his eye dr appt yesterday, and he needed glasses. No getting by with drug store cheapies. I told him he was getting old - ha! So another $100, exam copay included. This is the end of our vision care needs, for this year anyway!

A lot of loose ends got tied up this week. Not sure how they get lost in the pile...

We've got the rest of the dr appts scheduled in August, as well as an orthodontist retention appt.

I sent off my second daughter's discount papers and license info to the auto insurance, so they can calculate her insurance into the picture. I also sent along our homeowners' insurance info. In the past they haven't been able to give us a better deal, but as we add drivers, it's worth it to keep checking.

Need to reply on a shower and wedding invites for our next door neighbor's girl - and get a gift for the shower, and a card for the wedding (I think money will be most appreciated.) Gosh, wasn't she just a little girl...

Still need to schedule my oldest girl's senior pictures, or decide if my digital camera is up to snuff for it. It's not very high in pixels or optical, so we'll see... I can try a few outdoor pics.

And I even printed out the school supply lists for my two youngest (the older two tell they need only 5-subject notebooks and pens and pencils.) I can't bear to peek and those quite yet. Maybe another beach day will give me the strength -ha!

I took my two youngest girls to the eye dr yesterday. The 13 yr old got her first pair of glasses last year, and a had significant change at this exam. So she picked out a new pair. My youngest checked out fine in her exam, and no glasses necessary. On Wednesday, my husband has his appointment. He's only needed to get cheapie reading glasses, and we think they'll suffice still. (Will keep our fingers crossed though.)

Which brings me to our HSA... This is our first year using one, and I'm finding that my conservative use estimates done in November 2007 are severely underestimated, and it's only July. Part of the problem is that with insurance changes each year, it's hard to estimate exactly how insurance will cover the charges.

For example, as I mentioned above, my 13 yr old got a pair of glasses a year ago at our cost of about $250. This year we paid $60. Another example is how a prescription was filled for my oldest. She needed to take 60mg in the morning and 80mg in the evening of the same medication. In 2007, one script was written, stating the above directions. The mail order pharmacy filled it as one prescription with 20mg capsules, with the directions stating the number of pills to take in the morning and evening. The first time using a new mail order pharmacy this year, the pharmacists filled it as two prescriptions, and accordingly charged it as two (very expensive) prescriptions. Pooh!

Then I came across a reference to Target having 3 mon for $10 prescriptions (I knew Walmart did, but there isn't one convenient to us.) Sure enough, I found three of my families meds were on the list. I mail order these at $25 each, but for $10 at Target, it's worth it to switch. I always check out where it will cheapest to fill our prescriptions at the beginning of the year, whether we have an insurance change or not. But I'm finding that that may not be often enough. Am I the only one feeling like I need to be constantly checking on all of our insurances - medical, vision, dental? I wish it wasn't so hands on all the time ... I mean really, I have other things in my life that need attending to - our finances, the girls, definitely the dust bunnies taking over my house!

Take Care!

...or maybe more like gushes! Nothing too out of ordinary, but still...

My two oldest and I went to the eye dr today. We all wear glasses, and we all needed new prescriptions (it's been four years on the current glasses, so not too unexpected.) The girls said it's like shopping! I felt the same, only without the exclamation point. I'm always amazed at how the word 'shopping' brings two such diverse reactions in my house.

The girls have simple lens needs, and so after insurance, their pairs cost about $40 each. Now mine, on the other hand...not even close to that. I would be wearing very thick lens, if not for the wonderful progressive thin(!) that are available now, for a price. I'm at an age where I appreciate the blended feature of my bifocal, for a price. And my frames, again for a price, make my grey hair less noticeable and might even make me look a bit funky...um, thank you daughters, I think?! Well, these super-duper specs came to about $350. I very much appreciate the sight they afford me, so it's ok and a part of my life, such as it is. But still...!

Over the weekend, I did our two-week grocery shopping. Because of some great store coupons deals on meats especially, I spent a little bit more than usual, but not too bad - $240. We also made a bread run to the thrift store and got enough bread and buns for a few weeks (I freeze most of it.) They've been out of bagels the last two visits, which my girls enjoy, but we'll make due until they get them in again. I probably need to get there earlier in the morning. Plus I go on the one of the two discount days, so lots of things go fast. It seems more people than ever are shopping there - it can get a bit crowded at times.

We've been going through a dry spell here, weather-wise. I've been hanging my laundry out on the line. I know it probably sounds corny, but I do enjoy doing it. It's been beautiful outside, and I get to watch the birds and squirrels chasing around. It's usually a solitary activity, which isn't a bad thing in our not-so-large, not-so-quiet house. Sometimes my youngest comes out to help and chatter. I look over the flowers, while I'm out there. I talk to our three cats who sit in the window begging to come out (ok, no longer corny, now crossing the line to loony...) Well, you can see, it doesn't take much to entertain me!

Tonight is a grill night (it's hot and humid.) On the menu, hot dogs and brats, beans, chips and cut up fruit (we have guests - teenage males to be precise - so cheap, but plentiful is the plan.)

After dinner, we'll have some monster badmitton time. A couple of weeks ago, we bought a set with its big raquets and birdies, and the kids have been having a great time with it. Not particularly a financial note, but it is a fun and inexpensive way to entertain the troops.

Enjoy your evening. Take care!

How busy the last month has been! Between school's start and my new job and my husband's job, along with the girls' few activities - whew!

I've now worked long enough to get three paychecks, and all I can say is that it's so nice to write out the bills and have the funds ready. Our checking account buffer is back in place again, along with the small emergency funds. Now we're working on the one last cc debt - actually we have been for the last year, but we are making greater strides in obliterating that balance.

This month hasn't been cheap either. The school fees and expenses aren't fun, but are normal and expected. The unexpected included another repair on the conversion van (along the more important repairs, I now have the driver side washer fluid line working AND I have greatly improved heat and defrost. Yay! As this has been our warm weather camping van, this hasn't been too much of an issue. But with my oldest driving her sisters to school in the minivan, I'm using the behemoth, and well, heat is a good thing.)

The other expense that we weren't expecting quite yet was some dental work for my husband, which I paid in full today. Easy come, easy go the paychecks!

Budgetwise, we're holding tight. I've been cooking at home and still shopping once every two weeks. My grocery budget has actually decreased a little, due to changing to a different grocery store. I've been able to stick to just under $200, which has been my goal. The last couple trips I've been including stocking up bit by bit for upcoming holiday baking. I've also been trying out new recipes, mostly because I'm bored with our usual meals. Many are from the Light & Tasty magazine - some have been more successful than others. The girls come to the table warily, and I'm no longer bored as it's very entertaining to watch their expressions. A mom's gotta have fun once in a while!

Utility-wise, we're doing pretty good. MN has been going the whole range of weather lately, and we have had the heat on one night a couple weeks back. The last two days have been very humid and near 90. I keep a pile of blankets next to the beds and keep a constant refrain of "take the jacket...where's the jacket" ringing in my girls' ears.

That's all for now...take care!

It always take a week or two for us to adjust back to school and work. Last week I was tired, and my head was swimming by the end of each day. This week is going smoother so far (one day, I know - ha!)

I get my first paycheck later this week (I thought it would be on the 30th.) With all of the beginning of school year expenses, the timing will be great. Actually, all I have left is school photos for the youngest and yearbooks for the oldest two. Whew - I don't know why I'm so surprised at the flurry of checks the first couple of weeks of school.

I'm already trying out my paid sick leave on Wednesday afternoon. I arranged for a sub so I can go to a medical appointment with my oldest, scheduled from last spring. We're winding down on these appointments, as her medicine seems to be where it needs to be (finally!)

Last weekend was busy, but fun. We went to the high school football game on Friday night to watch my third girl cheer and my second one dance at halftime. The girls looked great (yes, I was the mom taking those annoying flash pictures.) The evening was absolutely perfect weatherwise, and the team won too.

Saturday I ran errands in the morning, including the grocery shopping. Later I took the younger girls over to the next town over for their Heritage Festival. Very small town, but it was fun seeing so many people we knew. My youngest two spent most of the time in the petting zoo area, with hedgehogs, bunnies and guinea pigs. They also went up the portable climbing wall a few times. The girls helped their daddy, who's a police reserve officer, in the public safety area. An AirCare helicopter even came as the highlight - I did mention small town, right?

The two youngest went to an amusement park
with our church youth group on Sunday afternoon. The two oldest were busy with friends. Gosh, my husband and I almost had visions of what it'll be like in a few years. So what did we do?? We made a run to make a return to Officemax, had a fast food lunch we were both craving, and gassed up at the cheaper gas station up that direction. Then we came home and caught up on some housework. I baked for the week's lunches. Hmm - not very exciting, but nice just the same.

I did good at the grocery store. I got a ton of food for the next two weeks, as well as some at the store deals on meat that I put in the freezer. Slowly, but surely I'm stocking us back up for the fall. A few weeks back, I switched back over to Cub Foods for most of my groceries. With this change, my oulay of dollars has decreased once again, making me wonder why did I ever leave Cub in the first place? I shop every two weeks, and I keep a running list of groceries needed, as well as menu plan a night or two before I go to the store. I guess there have been periods in my life where that much preparation was beyond what I could handle. I'm getting better at this as my girls get older. No slacking for me!

My house and work all seem to be in order - at the moment. Please make note, as it can all change in the next moment!

Have a great weeek and take care!!

Wow, how fast this summer is going!

I finished up my summer position at the end of July. My last check for this work will come tomorrow. I will start back after Labor Day, so I'll be without a check for about a month.

Much of the expenses for this time of year have been covered. We came back from our annual camping trip along the North Shore last weekend, with some money unspent. There's always so much to do that's virtually free, but I like to carry extra dollars just in case. We enjoyed lots of hiking, swimming, and campfires - very relaxing.

My two middle daughters' sports expenses are all paid in full. I paid the last athletic fee yesterday - $340. Though after going to the sport night meeting, I found out that I could pay a $175 family sports pass to get to see my daughters perform - oh yay! You would have thought we'd paid enough already - I mean wouldn't it be nice to see what we paid for?? As a staff member, I and a guest get into the games free, so I'll price out what it'll cost for the rest of the family to get into games - I suspect it'll be cheaper to pay as we go for my two other daughters. (And I won't even hardly mention what I think about the school parking pass, if my oldest wants to drive to school - grr! Gosh, 'school' has gotten expensive over the years.)

School supplies have been acquired. This cost has been decreasing as the girls get older. My older two just ask for notebooks and pens (and it's a given there is a computer at our house, of course.)

Athletic shoes and a new outfit each, and we'll be calling it good! That shopping excursion is scheduled for Friday, with their grandma treating these lucky girls.

Take care!

When I start blogging every three plus weeks, you know that it's been busy around here.

So a quick summary of these past weeks: school's out (yay!), guinea pig died (wah), third girl goes to camp (sad, because it was her pet), I clear out and donate the contents of one of our attic spaces (only three more to go!), oldest takes week-long swim intructor class and passes, second girl starts the classroom portion of her drivers ed, third girl comes back home from camp, youngest turns 10, I help host the (insanely) huge party for inlaws' 50th anniversary (notice I didn't say plan, because I sure would have suggested a less elaborate to-do - but I was a good silent helper, and it was fun to see so many at a happy event rather than a sad one), oldest and I start our summer work this week, second starts her dance team practices, and third starts her cheerleading practices. Whew!

On the money front...well, we have been regularly writing checks for various things associated with the dance and cheerleading teams, but we're nearing the end, and so far I haven't had to take funds from the savings. Our church allows the kids to earn money for their youth account by working different functions and fundraisers. So my third owed nothing for her camp (just a little canteen spending money.) My second goes on a mission trip in July, and owes around $50 after applying her account funds, and she will use babysitting money for her spending money.

Otherwise, we're a cheap and easy to please crowd here. We're close to several beaches (and one we can bike to) and have a county library hardly a block away, and have several more near most of the places we visit and shop. We have at our house enough art and craft supplies and other materials (junk, or junque if you want to be fancy) for us to to be thoroughly creative. We live in town, so there's lots of friends around. There's tennis courts, four-square and a huge playground at the school on the next street over. If the kids are bored, it's not because there isn't something to do. I did suggest some dusting at the youngest's "I'm bored" the other day - that always sets their imagination in motion - ha!

One thing I need to get back to is hanging the laundry. That has fell to the wayside in this week of adjustment back to work. Also, I think I've got the girls eating meals, rather than grazing through the kitchen constantly throughout the day it seems. My dinners are still in adjustment though. Between the activities of the older three girls, our usual sit-down dinners aren't together. I guess we've been spoiled to able to do it as long as we have. Crock-pot dinners work well, but it's been very hot lately, so we've been eating cooler meals. It seems that there are endless leftovers, and repeated meals several days running. I will have to adjust to making smaller meals, or rather meals that can be flexibly small or large. In the meantime, we're eating leftovers daily (lunch and dinner) and using lots of tortillas for wraps, and eggs and more eggs. So far, no one has perished from starvation (though heat is another matter)...


It seems it's either feast or famine when I blog... I hope you're not too gorged with my 'little' account here. Take care!

On Friday, we found out that second daughter made the high school dance team, and that third daughter made the high school cheerleading team. I have enough dollars set aside to cover the athletic fees, luckily. I think the calendar got a bit busier, but both are surprised and very excited (the rest of us too.)

I spent time on Saturday morning running errands - bread outlet, bank, Target and pet store.

I had to make a return to Target, and pick up a giftcard for a birthday party my second was going to in the evening. My oldest was along, and needed some underthings. It was so far, so good until.... I made the lethal mistake of venturing down one more aisle. So a new bike seat leaped into my cart, and was pleading to come home. ( A little background - I have an ancient bike I picked up at a garage sale years and years ago, but the seat leaves me numb after more than a ride around the block. I usually take walks, but the younger girls have been wanting me to go on bike rides with them, which have been painful and short. In the last few weeks I've mentioned maybe getting a new bike for me...then this nice, padded mountain bike seat called to me! My third daughter said my 'old-fashioned' bike looked much better, and my youngest was excited to go on a bike ride with me last evening. I was thrilled to not have a numb lower half. Actually it was the opposite - I could feel some very underused muscles! The seat cost far less than a new bike, so procrastination was a good thing.)

Earlier in the afternoon, I spent cleaning out the Ford conversion van for next week's camping trip. We thought it would be easier to get the camp gear all packed into the van this weekend, leaving only the food and clothes to add before we leave on Friday after school. I'm hoping it's warm and sunny next weekend!

This morning I baked rhubarb muffins. They smelled wonderful, and the girls all woke up asking for some. I'll wrap some up for next week's lunches too. I'm planning to bake a bit more this week to take camping.

Today' plans include church, a visit to my mom, finish packing up the van, and to just relax! Oh, and a bike ride!

Enjoy your weekend...take care!

Very busy at work, and with the girls lately. May gets crowded with many activities and year end events and concerts. My second daughter had her birthday this week, which we celebrated on Sunday so we could all be together. Whew...May is crazy!

I finally located a library book that was checked out on my youngest's card many weeks ago. It was in the depth of the unknown, under her sister's bed. Grr - fines, but at least we don't have to pay replacement cost. Double grr to having to do something about those under bed areas.

I picked up some 2 cent stamps at the PO today. While I wasn't completely out of it, and did know there was a postage hike coming, I wasn't aware it was happening so soon and this week. I read a reference about it somewhere yesterday, and checked the PO website, and found that it had already happened on Monday, and luckily before I had to mail anything.

We're doing a rollercoaster ride for temps here in MN. In a 48 hr period, we went from the 90s, down to the 50s. Tonight the outer lying suburbs may get below 40 tonight, and covering the flowers is being recommended. Usually planting by the 15th is safe, but not absolute. I planted all the annuals, and added a few new perennials. It was fun to pick out the flowers with the girls and plant them (on Mother's Day.) So I'll be out there tucking them in for the night too. I also reseeded areas in the front and back yard that didn't make it through the winter.

I just now got a call from my aunt that my uncle, my mom's brother, has passed away. He's suffered a number of years from Parkinson's Disease, and has been in very poor shape in the hospital for the last month. My aunt sounded sad, but expressed relief, as she felt he was in much pain and suffering at the end. She is out in California, but has all her children and grandchildren nearby. I'm not sure I'll share this news with my mom - I'm not sure she would understand what I was saying. Or worse, is that I wonder if she still can understand a bit, but can't control what she can say or think. I don't want her to have the news of her brother's death replaying over and over in her head. When her cat died, the staff at that time (different nursing home) recommended to not tell her, especially as she never mentioned the cat. We were told that sort of news kind of replays in their mind, and they relive the grief fresh over and over, rather than heal with time for most people. Sometimes it feels like I have power over things that I'd rather not, and no power over the things that I wish I had. I know I'll grow stronger, but boy, life is hard sometimes.

Take care.

...that makes me exhausted!

I'm just back from getting the three youngest dropped off with their rides to the Girl Scout Encampment. I wish it was not always Mother's Day weekend, but after ten straight years of this, it's practically a tradition now. This will be my first year not staying overnight - yay for me - and the first time for my youngest that I won't be there. She said she was ready, and was looking brave (this is a big hurdle for her, my little homebody.) Tomorrow, we head up for the bridging ceremony for third daughter, and the collecting of girls and gear for home.

My oldest babysits for one of my coworkers tomorrow morning, then goes to her drug store job, and to a friend's afterwards. She NEEDS the car, of course. Since she is comfortable driving the minivan, we'll take the conversion van to the camp. Gas prices are the highest I've ever seen - ugh!

We're ready for our mothers and mother's day.

We've been having gorgeous weather, so every morning I've been hanging the laundry on the line. We had a little rain a couple evenings ago, so the grass has been flourishing.

We've been eating meals from the crockpot or slapdashing something together each night. At least, we're staying away from fast food on these busy days of late. Tonight's dinner is homemade pizza once again!

I finished up the last of the kindergarten classes this week, which will ease up the calendar. I also saw the posting for the summer positions. I could apply for paraprofessional for either pre-k through 5th grade or 6th through 12th grades. Still determining the logistics with the girls...

This week hasn't been easy on the checking acct. I signed up the oldest for the instructor course through Red Cross. Maisy, my mom's border collie, went to the vet today. She's 16 years old and was a bit cranky about having some blood taken, but otherwise, she's doing good. On Sunday, she'll go in for grooming.

I go in a bit to pick up third daughter from girls scouts. First, I'll get the clothes off the line. (It's such a hardship to be out in the warm sun with he temp at 70...)

Enjoy your evening...take care!

Two loads of laundry on the line today. More raking out garden areas (I think I'm done!) Oldest daughter is in her last weekend of lifeguarding training. Picked up second daughter from a birthday sleepover. Then grandpa and grandma picked up the youngest three to have them help pull out and wash their deck furniture.

And what did husband and I do with NO kids? Well, we took the electronics and used motor oil to the county recycling center - oh yeah! We did have abundant time to talk, as it seemed everyone else in the county had cleaned out their garages too. The lines were very long, but the staff were pleasant, and some were even funny. My husband was extremely thrilled to be asked if he wanted to keep his five gallon motor oil tanks - he had been trying to gather enough one gallon plastic containers to transfer the oil. The guys working there were kindred spirits to what my husband holds dear, and said they'd dump the oil and give back the containers. We offered to pull ahead, but they said no. I slunked down in the seat, avoiding all eye contact with those in the many cars behind us. My husband was enjoying a great conversation with the other workers. Maybe the guys needed a break... Oh well, the deed is done!

I pulled out the pots and other garden decor, though still too early for anything but pansies. It was in the 70s, and tomorrow is supposed to get into the 80s, but as it is only April, and I can't go crazy yet. Dinner was on the grill tonight - hot dogs and brats. Everyone was hungry from all the work earlier in the day.

We also got the minivan back. We had a boot replaced (he showed us the axle he took out) and a new exhaust system installed. Only $200 - much better than what I imagined.

Because it's supposed to be so warm tomorrow, I'm baking some cookies tonight for my youngest's year-end church choir concert tomorrow night. I'm kind of tired, but it will be best to get it done. Then a nice long bath...aah!

Better get to it...take care!

Not much happening here. Still going strong with the laundry out on the line. All meals are at or from home - even though after working the whole day yesterday, with an hour at home for homework and dinner, and before heading out to work again...I WAS sorely tempted to do a fast food run. We opted to eat what you want, as long as you can fix it yourself. By no means a stellar meal, but it worked in keeping us away from the fast food, and it definitely worked for tired me. Tonight I made pizza, before evening church activities.

Only one more week of the evening Kindergarten classes. I know many of the kids and families, so it's been a lot of fun to see them so excited for Kindergarten. But the long days get to be VERY long! The checks will be welcome too.

Tomorrow the minivan finally gets repaired. I'm anxious to get it done, and find out how much it will be. Fingers and toes crossed that it will be less than more.

Need to still call for a vet appointment and some grooming for the dog. Along with the tulips, lilacs and rhubarb, spring blooms abundant bills!

Have a nice evening...take care!

The minivan's windshield looks great, as it should for the cost. Laundry is on the line again. Dinner will be homemade pizza.

Today, third daughter has Girl Scouts after school, during which I'll pick up oldest to do some practicing on her parallel parking (test is on Friday.) Second daughter will head home on the bus, and be there for youngest after she gets done with school. Then we eat a quick dinner, before the girls head over to the church at their various times for choir and confirmation. In between, all need to do homework. Wednesdays are tiring!

Mentally tabulating the upcoming, not usual, expenses - ugh! The dog needs to go in for her annual vet visit and grooming - I'll check to see if there are any heartworm pills leftover from last season, as they aren't cheap. The lifeguarding class my oldest is signed up for this weekend and next is paid for already, but there will be a class fee for the book and resusitation mask - off the top of my head, I think it's $60. The driver's licenses if oldest passes - maybe $35(I know it should be when, but remember I mentioned above her parallel parking!) The van's repair - I'm thinking $600, but it may be less (hope so!) Well, this should get us through April...we have the money, but it's just not the most fun way to spend, though very typical. Enough whining!

Enjoy your day...take care!

Today, we'll have the windshield replaced on our minivan. There was a crack across the bottom, and my oldest takes her driver's exam on Friday. We called around to six places, and the first five were near $300. Having only liability insurance in place for this vehicle, I was amazed at how much this was going to cost us. I'm glad I kept on calling, because the last estimate came in at $235, with a guarantee. Still a lot, but better at least.

I also hung out another load of laundry this morning. It's a bit breezy, though cloudy. I haven't heard any mention of rain...but I'm keeping my fingers crossed that I can take it down when I stop at home for lunch.

Better head off to work...take care!

Busy week - the extra hours for work, an IEP planning meeting for my third daughter. Glad the weekend is here!

A bit of money going out lately. I renewed the licence tabs for our conversion van. It's a '93, so the fee is at the cheapest rate. I also paid for my oldest to take a Lifeguarding course. Those Red Cross lessons aren't cheap, but she'll have more options at the pool (with an increased hourly pay.) She wants to take the instructor course coming up in June too. (Hmm - how easily and freely my girls spend my dollars - ha!)

This weekend, I want to go over what's ahead expense-wise for the summer and early fall. I know it's early, but I may or may not work over the summer (and it's a reduced amount anyway) and we never know if my husband will have ot or not. Plus the signup for high school sports is in the summer, and my second daughter wants to try out for the tennis team. (Hey, what can I say, I like to plan things out...though key to this is flexibility. Stuff always happens!)

As spring seems to be making an appearance again here in MN, some work in the yard and garage will be happening. Any excuse to be outside!

Enjoy the weekend...take care!

...for Easter. My family and I cleaned the house, the groceries are bought and ready, and the Easter Bunny is ready to deliver treats for tomorrow morning.

On the money front - we received our federal refund, direct deposited and 24 days earlier. All of the funds are being transferred to savings. I bought groceries yesterday, and even with hosting the Easter dinner, the amount was within the normal amount for two weeks. With the windchills of late at zero, the heat is on, but with more hours of daylight and the sun shining, the heat only goes on at night. (With a teaser day last week with temps in the 80s, and then this week's barely to 30 with windchills nonetheless - well, spring is being way too fickle!)

Still to come...we're still awaiting for our repair guy to get all the parts he needs for our minivan. Repairs includes replacing a 'boot' and the exhaust system, and a general checkover. I'm hoping for under $500.

My oldest is scheduled to take her driver's exam in a couple of weeks. She's relentlessly looking for her own car. There's quite the spectrum of vehicles in her price range, so we'll see what comes of this search. She's filling out paperwork for post secondary enrollment options for next fall, and is applying for coursework at a community college. She'll need a dependable car for that commute, but we have a few months to look. The above mentioned repair guy works as parts manager at a car dealership, and can keep an eye out for us too. Patience is a hard thing, though much easier as you get older!

Of course, my patience is being highly tested...my second daughter turns 15 next month. "Mom! Did you sign me up yet for driver's classroom training?!!" Sighing heavily, "Yes, yes." Here we go again!!

Happy Easter & take care!!

March has been crazy! The girls and I have been off this week for spring break, and my husband took vacation the last two days. Yesterday, we went to Como Park and Conservatory (the flowers are gorgeous!), and ate out two nights in a row - yikes! Fun, and not too extravagant (well, for us, yes, but not on the budget.) For the rest of this week, I'm planning on hanging out and cleaning up the house and yard, with whatever daughters are home (See daughters dash quickly out the door!)

I'm pleased to find my mom settling in very well at the new nursing home. The other residents have come to recognize us, and seek us out. I'm not always sure what in the world our big group is talking about at any given time, but there is always a lot of laughing.

On the financial front - Taxes are all done. My daughter only owed to the federal for her 1099 work, and not to the state - yay! Ours resulted in getting a refund from the federal and on our property taxes, and owing a little to the state. We've fiddled with our withholdings, and this is as close as we can get (it would nice to have a little less owed to us from the federal, but it is what is it, as long as we have our four little tax deduction/credits around.)

Our Voyager van needs some repair - winter always takes its toll on our aging vehicles. Our repair guy is gathering parts, and will make the repair this weekend or next week. After that, we'll have him check over the Ford conversion van (our camping van!) for the upcoming camping season. (After this, I have to do some online reservations for Memorial weekend - can hardly wait!)

Don't let me get started on the state of things around the house! Nothing a few (or more!) dollars spent at Home Depot wouldn't cure. A whole lot of living happened at our house, that's all I can say!

Luckily, the rest of our expenses have been stable (some utilities were even down due to a milder winter and concerted effort on our part.) Groceries are still at $200 for two weeks (including non-grocery items and pet food.) We've been eating healthier (whole grains, fruits and vegies, and lots of chicken,) but lots of those things have been on sale. We have a freezer and stock up on the meat. The fresh vegies and fruit haven't been too expensive - and we eat the most perishable during the first week, and the more hardy the second week. The whole grain items are from a bread outlet store - we'd go broke buying that stuff from the grocery store! My goal is to use up some soups and meals frozen over the winter -and clean that freezer up a bit! Do I have a bad case of spring cleaning, or what?!

Take care, and Happy Spring!

Spent what we had planned to at the Funfest at the school on Saturday. Other than driving my oldest to work and church Sunday morning, we stayed home, as it was too cold to be out if we didn't have to be.

I made a very good soup yesterday. It started out being a 16-bean soup, and ended up being the means to clear out the freezer of several odds and ends of vegetables. I also tossed a bit of ham into it too. Kind of a bean-ham-vegetable soup - warm and hearty for our below zero weather of late, with leftovers for another future meal. Tonight's dinner is chicken stir-fry, using up leftover chicken.

My oldest told me that she think she needs new glasses (& maybe contacts this time.) We haven't used the vision part of our health plan before, and I'm not too thrilled with the provider list or their locations. We could go to our usual place, and just pay the out-of-network price. There is a mailorder option for the contacts, which may give us a discount. I guess I'll need to spend some time on the phone this week getting all the info gathered to make a good decision. Oh yay...

Trying to stay warm the past few days in some frugal and no-so-frugal ways. Our heat is turned up, we're wearing sweaters, socks and slippers, and cuddling under blankets on the couch and in bed. I took a warm bath each of the last three nights just to warm up a bit before bed. Even with lotions, my skin is raw from my warm baths and exposure to the weather. I'm ready for a bit of a warm-up - even a number above zero would be good!

Stay warm & take care!

Everyone went off to school yesterday and today.

Yesterday, I had a friend over, rather than meet at a coffee shop. I had a very nice visit with her, as well as saved the money I would have spent at the shop. I also had a staff meeting and training, so earned a little too. We ate a second crockpot meal, as dinner had to be sandwiched between a medical appt after school, and Girl Scouts for my youngest immediately after an early dinner. Not my favorite kind of busy, but the crockpot allowed us to just sit and eat and talk for a half hour - nice!

Today, I will be heading out for our staff holiday potluck lunch. Our classes were held right up to the weekend of Christmas, so we decided after the holidays would be a more enjoyable time for our get-together. I'm bringing a spinach salad - only need to pick up the greens this morning on my way, as I have all the rest of the ingredients.

This weekend, I plan to return a new backpack we had picked up for my youngest daughter. The zippers split open the first day she used it. It seems there is no rhyme or reason on how well backpacks hold up! If the zippers aren't heavy duty, they split open...sometimes. If they are heavy duty, the fabric surrounding it splits...sometimes. If the zipper area holds up, the bottom blows out. Aaarg! You would think after all these years, I would be an expert at picking the sturdy ones. I think it comes down to luck - ok, I'm done!

Take care and have a great day!

Last night, I took the two middle girls to get their athletic shoes. I had a coupon for Famous Footwear, plus they were running a buy one, get the second for 1/2 off promotion, as well as sales on many brands. (Wow - I'm thinking that the 'full' price would be quite scary!)

I asked how long the promotion was going, as I wanted to bring my husband in for some shoes, and the clerk said bring your receipt in and they make good on it. So I picked out some on-sale New Balance walking shoes. The girls each picked out some nice shoes. We're set!! (I also tried out my new shoes on a walk with my husband after we got back, and they are great.) I'll take my husband there soon to get his 1/2 off pair.

I got to sleep in a bit today, which was wonderful, as I've been teetering on the brink of a cold (back with a class of kids for a whole three days and arg!) Catching up on sleep (from a few nights of insomnia during the week,) and being diligent with the zinc has kept it from progressing. Actually, one more day of zinc, and I think it will be gone. Yay!

Another beautiful summer day here, so the daily laundry will go up on the line. I'm thinking we should tackle the garage, but my family may have other ideas, which is ok too. Grilled chicken and a pasta salad tonight - nice and easy. Enjoy your day and take care!

For some reason, I woke at 5am, and couldn't get back to sleep. And being up so early didn't exactly result in a more productive me...oh well!

I did get the kids over to OfficeMax, and bought the rest of the school supplies. I am done! With $64 worth of printer ink, I was able to use the discount card I got from school. My husband wandered the store, and talked to a clerk about reinking the cartridges, but it won't work on ours (of course, grumble.) I also signed up for their MaxPerks program, which should result in a rebate at some future time.

The weather is beautiful, and the towels, sheets and daily load of clothes are all washed and hanging on the line outside. The cicadas are constantly abuzz. Dinner will be grilled by my husband. A nice low-key day for a sleep-abridged person...take care!

Setting up a new classroom is a lot of work! I started in the morning, and came home at dinnertime (I know, like a real job - ha!) Still plenty of work left, but progress was made. Plus I will love the extra hours on the paycheck!

After dinner, we all went to pick up more on the girls' school supply lists. One more stop to OfficeMax for a couple more items - probably tomorrow. At the end of the school year, I had received a $15 discount off a $50 purchase for OfficeMax. The supplies we need to buy there won't come close to the $50, but it so happens I do need printer ink. The ink's a grumble purchase, but having a discount helps.

We may also get gym shoes for the two middle girls this weekend (the oldest and youngest have theirs already.) Otherwise, a lazy couple of days ahead - sleeping in, puttering, grilling, reading, maybe swimming (at this time of year, the lake can turn pea soup green almost in an instant - the arrival of what I grew up calling dog days)...the best sort of weekend! Enjoy yours and take care!

We're back from our camping trip up north. It was so fun and relaxing. We spent lots of time in the water - swimming in Lake Superior and under Gooseberry Falls. Roasting hot dogs and marshmallows over campfires at night. My second daughter discovered a talent at making pancakes, so we had several breakfasts featuring her artistic creations (round is boring, mom!)

During the requisite laundry catch-up, I spent time gathering together my youngest's outgrown clothes, as well as checking out the rest of the girls' closets. Altogether I had eight bags of clothes, shoes and miscellaneous household clutter to donate at our favorite place. Yesterday afternoon, we made a run to make the donation, as well as check out their thrift shop for clothes for school. I told the cashier that we were leaving with almost as much as we donated. Well, only four bags...but good deals nonetheless. Still looking for some jeans for the two youngest, but not desperate yet.

We're almost school-ready. I have the bulk of the school supplies bought (just a couple things that I need from the art and office supply stores.) My mother-in-law offered to buy the girls their gym shoes - the oldest and youngest are done, still have the middle two to do. Yay all around!

The next two weeks, I'm working the 'Ready, Set, Kindergarten' class. I need to get out of vacation mode, and back to real life! I have to plan out meals for the next two weeks, make the gocery list, and then head to the bread thrift and grocery stores. I'll definitely be out of vacation made by today's end! Take care!!

It's been quite the week for driving. We drove to three medical appts, a trip to the grocery (the next town over)and just the back and forth to my oldest's job at the school pool. Yesterday, I ended up disgruntingly having to fill up our smaller van. Boy, am I glad I did! I drove past the gas station this afternoon, and the price was at $3.13 - wow! Yesterday's $2.94 was soundly put in an altogether different light.

I am wishing we had topped off the big van (conversion full-size)for our upcoming camping trip departure this weekend. Oh well, it's not like that van gets anything resembling decent gas mileage when it's fully loaded with our camp gear. Still looking forward to the trip - gas be darned!

I've been starting to see some more samples coming through the mail. I wished there were more coupons with the samples, but free is free.

Also, inspired by our own Flash, I've made more of an effort to clip (and use!) coupons. We usually purchase a lot of store and generic brands, as well as staples that don't often have coupons, at the grocery store. But right off the bat, quite by chance I get to use a rebate for batteries, where we happened to buy the right brand. I bought a package of Charmin tp for mere cents with a coupon at our local Snyder's drug store. I usually buy the mega roll size, and this pkg was regular size (it looked puny!) I got some softsoap (coupon) and some generic ibuprophen (no coupon.) I think I need to work more on this a bit more. It seems that you have to shop weekly to maximize the best use of some of the coupons.

Last night, I took the girls to our local night out event. My husband is in the police reserve unit, so was already there grilling a ton of hamburgers and hot dogs. Very fun to see friends and neighbors, even in the rain...can you believe after weeks of blazing sun and drought, we had rain through the day, and a downpour right during the event?! We were all so relieved to not have 100 degree weather, that no one cared getting soaked.

Today is beautiful and predicted to be in 70s - no window a/c's, no fans, laundry on the line. Yay!

The youngest two girls are attending our church's vbs this week, and my second is a teacher's helper. Tonight the oldest two will go to a bbq at one of the congregant's (beautiful!) home. Then tomorrow evening is the family potluck for all the vbs students, staff and families. It's an easy week for dinner, that's for sure!

We're all looking forward to our camping trip. Food is all bought, and in the freezer or safely stashed. We'll pack the van up on Saturday, and leave early Sunday. Can't wait!

So as to not have to scramble when we get back (coupled with catching stuff on sale,)the girls and I finished buying the rest of the school supplies they need for September. When we get back, we'll search for athletic shoes for school - and I have some coupons for those.

Enjoy the day....take care!

I worked earlier this week, and I'll go in today. Our classroom space is moving around, and today we're moving our parent resource library to a different room. I'll head over in a bit - we're making an early start as the temps are predicted to be 100 today, and there is no a/c at the school. I'll be readying our program's fall registration brochure for mailing next Monday, so bit by bit I'm accumulating a few hours this summer.

We've been lucky in being able to hang out laundry almost everyday this summer, though the dryer usage savings is probably offset (or exceeded) by fan usage. If we can get through our 100s of the weekend, the forecasters are predicting 90s by Tuesday - oh yeah!

The girls have an afternoon rehearsal, and then eat bag dinners before tonight's performance. I have the makings for sandwiches, and can scrounge enough for the rest of their meal. I may try to do some grocery shopping while they are at rehearsal, or if not, I'll do it tomorrow. My list is ready, including meals at home for next week and for camping the week after. I'll freeze the meat for camping.

Last night we went shopping for a new clothesline (it's ancient, and was hanging by its last reinforcing middle threads, which did thankfully hold out to the end!) We also picked up a griddle and new coffee pot that we can use on the campfire. We had been making do with an old whistling tea kettle, but the plastic parts melted into the pot our last camping trip. All I'll say is that I never melted plastic when I put the keetle on, but I did appreciate that someone was trying to help. Now HE can help with the new pot, and there's no plastic whatsoever to melt! Anyway, we boil a lot of water camping, for consumption and washing, so now we can all have cocoa at the same time or have plenty of hot water for the dishes. I know, I get excited over silly little things!

Stay cool....take care!