Boy, the last paycheck just shot of our house, between bills and back to school, coupled with no OT. Hmm, I think we start to enjoy that OT too much, then forget it's not always there.

Oh well, this is where the 'laying low' comes in. There isn't anything we need, and nothing to spend on that is worthy of touching the savings.

We're sort of restless with these last days of summer break. So far, we've headed to the beach every day for the last two weeks. It's been absolutely gorgeous for this late in August. Usually, the 'dog days' have arrived, along with the pea soup green scum. Definitely, soaking up as much summer as possible - we're about due for a true MN winter here in a few short months.

We hit the library earlier this week, and I've actually found some books to pique my interest. I've gone through three so far. I love reading, but if it doesn't grab this tired mom's attention fairly quick, I fall asleep. (Of course, the reading of late is not improving the said mom's tiredness...but it's still summer break.) Oh, and I picked up some dvds - Zorba the Greek (I haven't seen it since I was a kid, but I remember my mom loving it- it may be a hoot, or not.) Also Snakes on a Plane - missed that one the first time around, though from what I hear it's a lot of snakes popping up everywhere (hope I didn't give away the story!)

I've been doing great with using up some of the newly discovered frozen foods at the bottom of my recently cleaned freezer. Lots of crockpot use lately. I even used a lasagne recipe twice that was so delicious and easy, I may not return to my oven recipe. I know Boo and some others here have mentioned this site - crockpot365.blogspot.com - it has lots of great recipes and fun commentary on the author's commitment to using her crockpot every day for a year.

I do have to meet my husband later at the DMV to renew our driver's licenses - both our birthdays are coming up. I'm looking about as good as it gets...

Enjoy your Friday!!

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!

...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!

All I can say is that life and computer issues get in the way sometimes.

A little update - I've updated all of my girls ages, the latest birthday just this past week. We have added a new driver as of May. My oldest bought her own car in May, and we added another cheap used car in December, as our conversion van wasn't defrosting its windows (and it wasn't the winter to have that happening!) We are starting to look a bit like a used car lot. We entertain the neighbors I'm sure as we pull the cars in and out of the driveway, repositioning so whoever is parked at the front of the line can get out. The girls pay their own insurance and gas - we help out on maintnenance and repair ( where's daddy? - look under a car! Yay for handy men!)

I finished my first school year in my new position (special ed paraprofessional,) and loved it (and the pay increase it included.) I'm working this summer for the extended year for special ed - just two more weeks. All four girls are working at the pool (same hours and building where I work, so we all drive in together.) The oldest is a Red Cross swim instructor, the second is a lifeguard and the two youngest are safety aides for the lessons. The older two have additional hours in the afternoon. All in all, we couldn't ask for better jobs for the girls - great pay and hours, and we can easily schedule fun and vacations.

With my increase and with the overtime and oncall my husband has gotten over the past few months, we've been able to accomplish a lot. I'm paid two times a month, and earmarked one check to savings and one to reducing our old debt. We've paid for a Washington DC trip my third will be taking in Oct. We increased the % going into our my husband's 401k.

We were even able to take a "spring break trip" with the girls in March. We did it the insanely frugal way, but with ALL on board for this it worked out great. We drove in a Plymouth Voyager minivan from MN to Galveston, TX and camped in a state park on the beach of the Gulf. The wonderful parts included warm temps (it was snowing when we left - again!) We loved everything about the island and the beach. We found an aligator, and saw lots of pelicans, but couldn't find any dolphins. We hiked in wetland areas and on the beach. We found a wonderful, delicious restaurant that was cheap! We brought home tons of shells and photos and lots of stories. The only insane parts involved driving straight through with only rest stop and gas breaks (no motels expenses for us) and packing the van so tightly, bags would burst out every time anyone had to get out of the back. And there was that day-long search for the aligator, but we found him at last! We made it there and back, and lived to tell the tale. The girls are already asking to do it next year. I think it's like childbirth - you forget some of the more difficult moments. I do see us doing it again, crazy as it was. 24 hours (one way)in a minivan, brings the family together in oh so many ways!

We also headed to Bemidji State Park after school ended in early June. It was a bit chilly for swimming and a tad rainy at night (soggy tent camping, oh joy.) But we had fun walking across the Mississippi, we rented a pontoon for really cheap and putted around Lake Itasca (where my youngest insisted that a dunk into the lake was something she had to do - the rental guy thought she was crazy.) We rented canoes on Lake Bemidji. We saw the most spectacular double rainbow ends to ends. We hiked many trails, testing out multiple layers of various bug sprays. Lots of campfires. With a family our size, camping is the way we go! We have another camping trip scheduled for early August.

Sunny, 60s for temp, leaves have changed, but haven't fallen...exemplary fall day here in MN.

And my plans for this gorgeous day?? I've already gone shopping for more clothes for my mom - with being in the wheelchair and having aid at mealtimes, she's gained weight and outgrown much of her clothing. As the girls were all places this morning, I took my husband along and he found some steel-toe work boots (his old ones had split across the sole, though he con't to wear them for quite a bit, which became a problem with the recent rainy weather and working on a new construction site in that rain.) We then went out to an early lunch - just us.

In a bit, I'll head over to bring the clothes to my mom. Then I'll come back home and do some much-needed straightening and cleaning. Hopefully I'll have time to do some puttering outside too.

Also this weekend, I want to do some baking for the week's lunches and for the bus drivers for bus driver appreciation week. I ride one of the small buses with one of our more delicate sp.ed. students I work with, and I've gotten to know that bus driver pretty well. He's a retired guy, whose wife died a few years back. He tells me about his four kids and his eleven grandkids. Anyway, we were talking about the bumper crop of apples this year and how delicious they've been, when he offered me some off of his apple trees. So far, he's given me a huge grocery bag full of two different, unsprayed apples. So I want to do up an apple bread or some muffins with those apples for good old Wayne. I think he'll enjoy them. He's so good with all of the special kids he drives - they are all very excited to see him. He's a good guy, and it'll be fun to brighten his day.

Last night was the last home football game, and my three youngest all participated in some manner (oldest was working at the pool.) My second girl danced at halftime, my third cheered at the game, and my youngest was part of a cheerleading camp for grades 3-5, and 'helped' the cheerleaders with the cheering, as well as doing a special sement at halftime also. It was a beautiful night, and fun to see the girls. I'm glad I opted to not pay for the family pass, as the girls either have participated most of the games, or I've only paid for my youngest on occasion, as my husband got in as my guest on my school pass, which gets us in free. Winter season is coming up, but I think we'll still come out ahead by not buying the family pass, which was pricey.

I'm not sure how it came to be, but the cheerleaders get to cheer over the winter season on their fall season athletic fee. So my third girl will continue to cheer for a few more months. She has put in for hockey, though I'm not sure she can as she isn't the steadiest on skates (in which case, the savings on that athletic fee may be far outweighed by the medical costs incurred by cheering on skates - mom is heavily suggesting basketball cheering might be a whole lot safer.) My second girl has opted to not do the winter competitive dance season, as she wants to concentrate on her grades - a wise move indeed.

The three younger girls have joined their older sister at the pool for lesson time Saturday mornings. They will have to put in 15 hours unpaid probation time to train as aides during the swim lessons, and then they'll all be on the school's payroll. Yes, even the 10 yr. old will be receiving pay at $6.50 an hour eventually. Amazing! As we encouraged with our oldest, most of their earnings, if not actually all, will go into their savings account. They really have so few things that they want to spend money on, and especially we find, if it's their own earned money. Isn't that a great thing to learn!

Enjoy the weekend...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!!

I interviewed on Tuesday, and was offered a position late this afternoon. I accepted, and called my current supervisor and co-worker to let them know, and with their well-wishes, I start on Tuesday.

I'll assist the preschoolers who are in the school district's special ed program. I actually will be back in the preschool classrooms where I have been working the last several years, but working in a different capacity. I'll get to still work with all of my great co-workers.

This new position will also increase my wages for the year by 1/3, plus I receive a benefit package. Because of the increase in pay rate and hours, my public employee retirement account will really get a needed boost (I was at home with my girls for 11 years.) I work the same schedule as my youngest. Gosh, can I gush anymore over this new job?? I am excited!

In other news - where, may I ask, has August gone?! We took our annual camping trip the first week, and then the rest of the month just whizzed by.

After seemingly endless cleaning on my oldest's part, we painted and decorated on the cheap her bedroom. We were also able to catch a special exhibit on Pompeii at the Science Museum in St. Paul - very interesting. Getting the girls supplied and outfitted (minimumly at this point) for school took up a few afternoons. Otherwise, I'd say the rest of the time this month has been spent puttering. If only that resulted in the house looking neater - ha!

And for this weekend... more puttering, I'm sure. I'll bake something for the girls' lunches. I have a couple new lighter recipes to try out - an oatmeal raisin bar and another bar recipe using dried cranberries and vanilla chips. I'll try one or the other, or maybe an old tried and true one - we'll see what strikes me and/or any helpers.

Tomorrow we'll all head over to my inlaws in the morning to do as they wish - they have a list! Later, we'll visit my mom at the nursing home. Then the rest of the weekend is open for...whatever!

Enjoy the long weekend..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!

Extraneous stuff, that is.

With my younger two daughters, I pulled out stuff from the garage attic space. Some was tossed, the rest was bagged up for donating, and what didn't fit into bags, went to the curb with a free sign posted. I know I could have held a garage sale, and made a little money on our cast-offs. With a lack of time and the consideration that these toys and items had gone through my four at the very least, I chose the easiest solution. Bit by bit, people have stopped to take away items.

The results - less stuff at my house and the fun of making a few families' day.

Goodbye, Little Tykes slide, picnic table, workbench and kitchen set. Farewell, bikes and trikes in many sizes small to large, ALL in pink and purple. Adios to everything else that found it's way to my house, but now, it's really time to move on.

Wow, I think I'm entering a new stage of my life (more like easing slowly into it, as my my youngest is 10 - ha!) Some things take time, I guess.

Take care!

I'm off from work this week, which is nice, as there seems to be many little things to keep busy with.

Last Friday, I called into my bank's automated system to find out the amounts of my and my husband's paychecks. Mine was surprisingly low for all the sub hours I put in the last two weeks of school. I called the school's payroll person, and oops, some of my hours hadn't been put through. Grumble, grumble. Luckily, she was able to contact who she needed to verify I did work, and a check was issued today. All's well, that ends well - but I'm keeping a keen eye on them.

We've been trying out a new medicine for my oldest for the last few months, and her doctor thinks we're ready to send out for mail-order. It's for a three-month period, but much cheaper for us, as it's only available as a namebrand. My oldest takes it twice a day, with the morning pill a lesser mg than the evening. When I looked over the prescription at home, the dr wrote it to look like we needed two separate prescriptions, which would double the costs of this expensive drug. I called up the mail-order pharmacy, and asked them about this. At first, I was told, it would be filled as two scripts. I pointed out that if they were the same mg, the dr would have just wrote the pill amount as double, and it would be one script. I asked that if I had the dr write the total dosage for the day, with instructions on the how much for morning and evening, would that work? The woman put me on hold to check, and she said to do that. Now, I know from dealing with a number of insurance companies through the years, that this may or may not work, as calls don't always guarantee what you get. But given the drug's cost (plus it's not the only medicine we pay for each month,) it's worth it to give it a shot. I called up the dr, and she rewrote the prescription. Tomorrow, I'll send it in with a check for the single script amount, and then we'll see...

In other news, my second passed her written drivers exam, and she has her permit now. My 'clutching the passenger door handle' muscles are still in good shape, as it wasn't all that long ago they were in use for her older sister.

My oldest turned 17 yesterday. She picked out a place to eat, and we had cake at home. Her birthday marks the end of 'birthday season' - the 6 weeks/3 birthdays time of year. 'Til next year...

Still have more of life's details for tomorrow...take care!

We're getting ready for my youngest's birthday sleepover with her friends tonight. It's our usual swim at the pool, homemade pizza and cake, and sleepover party.

My second girl finishes up her drivers ed class today. She really wanted to go to take her permit exam right after class, but there isn't enough time today. She's in class unitl noon, and my oldest has a dr appt later in the afternoon, and the party guests arrive even later in the afternoon. Definitely no time today! We'll go straight away after I'm done with work on Monday.

Over the last couple of days, in spare minutes here and there, I've filed papers, cleared out the girls' school folders, and generally organized the paper portion of my life. The checkbook is balanced, all bills are paid or ready to send, and various calls have been made. For this one moment, I feel all caught up (I'm relishing the moment, because I know it won't last!)

I've been slowly, but surely, working at clearing out the excess at our house. Two attic spaces are cleaned out, albeit they are the two smallest ones. We have one the whole width of our house and one in the peak of the garage. The garage one is also the girls' 'clubhouse', as well as where, unknowingly to me, my husband was stashing not-sure-what-to-do-with things. Bit by bit, I'm getting it under control. We have limited space as it is, and we don't need to be storing stuff we really don't want anymore.

My husband has been putting in a lot of overtime this week, and we all have been very busy this week. So after tomorrow morning when the guests leave, we're relaxing, with no plans whatsoever!

Enjoy your weekend...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!

...because I am tired!

I've been working sub hours like mad this week. This is a great boost to the paycheck, but makes for a tired me. Today I worked with a 4th grade girl with Down's Syndrome. I'll sum up the day by saying, gosh, that girl can run! It's one thing when it's in the school building, but today was 'play day', a sort of field activity day that was out in the high school football field. At least I scored a Mackenzie, after running the length of the field. My youngest was out there too - she thought it was funny that I was running all over that field. Fine sense of humor, kidlet!

Our first camping trip of the season was last weekend. I woke early on Saturday morning and took a nice long walk by myself. On Sunday and Monday, we all slept in. During the days, we canoed, biked and hiked. Each evening, we sat enjoying the campfire. It was a nice break.

Tomorrow I'll head out to the bread outlet and the grocery store. I also need to see if there's anything I need to get for my third daughter, who leaves for church camp next weekend.

I woke up on Tuesday with some sort of cold or allergy thing. I tell you, I work all school year with preschoolers sneezing on me and not getting anything. It doesn't seem to be a true cold, but I'm attempting to generic "Airborne" it any way. Not too successful so far. Luckily the weekend is here. Well, not that sleeping in is going to happen (girls going in all directions,) but I won't have to chase any of them across football fields.

Enjoy the weekend...Take care!

...but I'm getting some breaks lately, moneywise.

As I blogged previously, my two middle girls made the high school dance and cheerleading teams, with their related noteworthy costs. It's not that I don't have the funds, but as it were, two weeks ago these activities weren't even a thought that ever crossed my mind, or my girls'. For my second girl, she saw the notice for tryouts, and thought it over and wanted to try. It was a long shot (it really was, spoken here by a very loving mom, though not to her!) She worked so hard, and gave it her best, and it paid off with a place on the team. She also showed us, the moneykeepers, that she was serious and willing to try something new. With my third girl, we knew she was interested in cheerleading, but this is the first time they've opened the high school squad down to 7th grade, which she'll be in the fall. So here we are funding two high school sports, all of a sudden.

But, as it turns out, Someone is watching over us (and don't we need that!) I had just added up the totals on the two sports, and we could cover it from savings, though giving it a good hit that would be difficult to rebuild any time soon. So I get the call yesterday about working the extended school year with the primary program, and I'm officially hired (I did know this was coming.) It's not a lot of hours, only four mornings for five weeks in June and July, but enough to help out with summer fun, camping and the beginning of school year expenses. Then I got another call yesterday about subbing at the intermediate school for the last two weeks of the school year, due to a medical leave (didn't have a clue this was coming.) I am able to take this job, because I just finished up my last day at the preschool yesterday. The savings will be back to where it should be, and cover the summer and school stuff. I'm feeling very blessed and lucky lately.

Other streams of money of late include - my husband did some side electrical work, and was paid $100. I got a refund check on our older van from State Farm, plus the recent bill came to being $50 less than 6 months ago (well, it IS getting to be almost ancient.) (I'll ignore, for now, that adding my oldest as a driver will negate that savings...but I'll enjoy the moment until the new, revised bill arrives.) I also received some very nice gift cards for Target, a local nursery, and the coffee shop in my town from my preschoolers and families. I also received a "Forever Bloom" hydrangea, which I wanted so dearly to get this year, but left at the nursery due to cost. My self-control was rewarded, and I love that the plant will remind me of a very dear family. Okay, I have to say it again - I really feel very, very blessed and lucky. I'm a realist and know it won't last forever, but I'll enjoy the blessings, and my hydrangea for many years, as it can withstand our MN winters!

'Tis enough of the gushing...take care! May money blessings be headed to you all!!

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.

There's a new driver on the road! Yes, my oldest passed her road test on Friday. And oh, have I been getting offers to run my errands, although I hardly run all that many errands on a Saturday. I am thinking, just maybe, someone is a bit anxious to be DRIVING. I let her take the minivan to work on Saturday and to a friend's on Sunday. She's happy, and I'm not out too much gas. Oh yeah!

Moneywise, my husband got his pay raise - not a lot, but we won't turn it down. It'll mostly end up going into our retirement funds, where it'll be far more appreciated and beneficial to our future selves, than what we would currently do with it.

I emailed my interest in working the extended school year over the summer, and they were interested in having me back. They'll let me know what grade level, and I enjoy working with all ages, so I'm not picky. My oldest works the same hours - 3 hours in the mornings M-Th for six weeks - and it's only until last part of July. What a hardship, I know! My second daughter will stay with the younger two, and I pay her a little for it (she usually uses it as her spending money on her mission trip and for her church camp week up north - it's quite amazing how careful she is in making purchases, when she's earned the money!) If the younger two want to take a community ed offering, it's also at the same time as what I'll be working. And of course, I'll get a paycheck into the summer a bit. Win-win all around.

I planned meals for the next two weeks, made my shopping list, and went to the grocery store on Saturday. Still keeping within the budget for that too.

Otherwise, plugging along...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!

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!

Laundry on the line again! Maybe, just maybe, spring is here.

My husband headed out of town to Rapid City - that area used to be installed from Denver, but now it's out of the Twin Cities. I don't enjoy when he has to work out of town, but he'll put in a lot of overtime, which we can use. Such a baby I am, I know - and he's due back on Friday.

Yesterday's shopping turned out well - while second daughter and friend were at the mall, I got my returns taken care of at Target, and stuck to my list of purchases, even with three daughters in tow. Third daughter needed to go to Blick Art store for a drawing pad and three watercolour pencils, all of which happened to be on sale (or maybe perpetually on sale, with that store.) Then first, third and youngest daughters and I headed to Barnes and Noble, the most dangerous of stores to go. But it turned out fine, with only oldest and youngest making purchases. With the third's birthday dollars for the art store purchase and oldest's wages and youngest's Christmas(!) money for the bookstore, my only layout was at Target, which was planned for. Whew!

I see the girls making their dollars count. My oldest wanted a book on drawing the human body. The selection at the art store was fairly expensive, and even more so at B&N, until she found a nice one in their reduced area. I also see them think ahead about purchases, decidng if they really want something, and whether it's worth the money. This is good!

Tonight's dinner is my youngest's requested mac and cheese (the 25 cent generic box kind) and leftover hot dogs we grilled outside yesterday. Arg! A nice salad with beans and cheese and lots and lots of vegies will hopefully nudge the nutritional value of this meal upward a little. (See, this is what happens when my husband leaves!)

Enjoy the day...take care!

Another day for hanging out the laundry!

Yesterday, I puttered, but it was productive puttering. The garage is cleaned out...well, "my" side is, anyway. We got rid of a lot of the accumulated junk. My husband still has his side to do, in which I will help, as he is organizing challenged (or maybe he appears so as to spur me into action - hmm.)

I raked leaves around the garage area, and uncovered the hosta, which had tips poking through the dirt. Today the rhubarb patch and lily and iris garden get their turn, as the tips are up through the leaves. I think my spring bulb flowers may have not made it through the last bout of snow - the leaves were up when it snowed, but they remain flopped over, though still green. Will have to watch... My husband even offered to unearth the patio furniture from the garage. I need to check whether they'll need any paint touched up.

I reconciled the checkbook to the statement. I filed papers!! I recently revamped the files, so I may stay caught up with that task. (that's a definite maybe...)

I also went through my mom's papers. When she went into the assisted living in 2004, I kept many papers that were (or seemed) pertinent then, that are not, now. So I have a basket full to shred. It's been slow going through all the stuff that I brought from her house to my house. But I've found that I'm more able recently to get rid of what needs to go. Fun things I rediscovered that I had among yesterday's papers - My dad's discharge papers from his service in the Marines in WWII, his college transcript from the U of M, his inoculation card from the WHO that allowed him to work in Greenland for the Army Corp of Engineers in the 50s, a copy of my grandmother's family's naturalization papers when they came here from Russia in 1911, and a copy of a picture of the family around that time (my grandma was about 16.) Ok, ok enough nostalgia...

My older girls and friends want to head out for a little shopping. ("On a beautiful day like this?!" says silly mom.) So... in a bit, I'm heading to Target, with some returns, after dropping them off at the mall. I get done what I need to, and the girls are a road and a parking lot away from my wallet (they have their own money!)

Better get on with the day...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!!

I've lost count of how many days it's been raining in a row, and it's supposed to continue through Sunday, at least. Muddy dog and bored girls, who can't get outside to play and bike ride. All I can say is, it's getting old.

Our appliances are being troublesome lately. My husband just replaced a part that broke on the washer earlier in the week, and all was well...until yesterday, when I went to put the laundry into the dryer, and it was all soaking wet, again. So he fixed the washer, again, and all was well, again...until, I put the spun laundry into the dryer. The dryer didn't want to work. Boy, I could hardly wait to tell my husband. I did, and he fixed it, and again all was well in our laundry world. Husband went to bed, before anything else broke down. Whew!

Pretty low-key weekend ahead - two of the girls head out to sleepovers, pizza at the inlaws' tomorrow night, Palm Sunday and the youth fundraiser pancake breakfast at our church (my two middle girls work it, the rest will attend), my oldest works both Sat and Sun afternoons cashiering at her drug store job, and a visit to my mom. Well, relatively low-key... 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!

I guess this is the once a month way to blog. What can I say, it's been busy!

For the first three weeks, my family was ill in a tag-team fashion. It was an upper respiratory thing that just stuck around. Per a recommendation here, I finally tried a generic form of Airborne, and I'm sold! I wished I had tried it much sooner. I don't get sick very often, but this one really took hold for some reason. We are all well again - yay!

The other thing keeping me busy was finding a new facility for my mom. I got a call from the nursing home social worker a couple weeks ago today, saying that she would be better served in a place that specializes in dementia care. It was such disappointing news, as we've been very happy with my mom's care there. By Wednesday last week, my brother and I had phoned and visited several places. We placed a hold on a bed the next day, and we moved her this past Monday. We are hopeful that this place will work out for her. We've been in the midst of a blizzard the last few days, so I haven't been able to go visit since Monday. I'll head over tomorrow with the family.

Money-wise, I got the taxes done for us, plus part-done for my daughter. Her wages from one of her jobs was done on a 1099, which made her self-employed. A lot of hassle for such little, yet just enough to have to file, wages! Long-story short, after spending phone time with very helpful (really!)IRS people, the fed return is done, and she'll pay in what she owes in April. The state wasn't as helpful, only because I couldn't get through on their helpline (probably due to the storm, and limited staff able to get to work today.) We've changed it with her employer, so that she has the taxes taken out as needed, and she'll get a w-2 next year. Just the state left to do for her, and then I'm done - and none too soon for me!

Weekend plans include digging out the house and driveway, and lazing about at home. Ambitious, I know! Take care!

The fever has broken! My youngest is eating a bit of yogurt, after several days of not eating. Tomorrow is a day off from school, so she and I have both had an extra week off. Monday starts a new week!

As she rested (a lot,) I was able to get done with a few things around here. On the financial front, I ordered the first free credit report for the year for both my husband and I. While I'm curious as to our actual credit rating, I opted to not pay to see it, as there didn't seem to be a real need at the moment, except for the curiosity. Plus there are two more times later in the year when I could check.

I re-checked our ongoing meds on the insurance's website. There is an Rx cost calculator that let's you compare costs in filling it locally (1 month) or by mailorder (3 months.) I always assume the mailorder way will be cheaper, but not always, so now I check periodically. One of my daughter's new prescriptions ended up being cheaper to fill locally. Every bit helps.

I also gathered more online info for taxtime - still impatiently waiting for some 1099s! Maybe they will be in today's mail.

On the nonfinancial front - I cleared out my upstairs hallway. It's sort of an odd hallway in that it is larger than normal, almost room size. It also ends up being the equivalent of a very large junk drawer at our house. I like to keep the first floor neat and presentable to guests, so the upstairs hallway is our catchall for anything that doesn't fit that criteria. We've been getting by with pathways to the bedrooms upstairs, but enough already! So my youngest was strong enough this morning to defend the attics from kitty invasions (she guarded the doorway.) I first dragged in the Christmas decoration boxes, then the leftover items from Halloween that didn't get into the attic. Then I found the pile of 'keepables' from my second daughter's room clearing out last fall. I boxed up her American Girl doll, but will need to 'consult' with her on the rest, as my attic only holds so much. Wow, my hallway is really quite large again!! May it stay so...

Enjoy your day...take care!

My youngest is still home sick - it's the sickest she has ever been, but she seems to be on the mend finally this morning. There is no school on Friday, and I can't imagine she'll have enough strength for school tomorrow. I'm glad we're not often sick!

I've been chipping away at many of the jobs on my to-do list. Even those ones that are never gotten to, and get transferred to my newest list (several times over!) While it's nice to be further along on my list, I am quite ready to go back to work, that's for sure!

My husband's w-2 was available online yesterday, so I did a quick calculating of our taxes (still waiting on some 1099s, so can't do fully yet.) No surprises - pretty much like last year. Our medical expenses were quite high last year (for us,) but I'm still working on whether they were high enough for us to benefit from itemizing.

Today is usually a day I visit my mom, though I'll have to go later in the day or in the week, with my daughter home. Last week my mom was put into a wheelchair, as she was having trouble walking with her walker (like she didn't know how to walk anymore.) I know some of the progression of Alzheimer's, but I don't know if this is one of them. I think I only absorb what I'm able to handle at a given moment, and so may have missed it. She was given communion lasy week, and had the wafer in her mouth, but didn't know what to do with it. There has been a lot to adjust to lately.

Take care!