Did every one fall asleep or something?

Or is it that Christmas is less than a week away and you are all in PANIC MODE? Me I’m feeling pretty secure. We set a Christmas budget and to my knowledge everyone stayed under it. The packages I fought so hard to get from amazon have all finally arrived and it’s definitely starting to feel like Christmas weather outside (I could have done without the cold weather part—but that is life.)While eating supposedly seedless grapes with my lunch I was reminded that I wanted to complain to Lowe’s about the seedless grapes I planted from there. Seedless they were not. So I sent them off a polite email. We’ll see if anything comes of it. I’m not holding my breath.
I’ve been digging out more and more books to send with ds tomorrow. I probably won’t get much for them, but I’m excited to finally having the snowball really rolling and I want to keep it that way. I received a $20 mystery shopping payment and as soon as it hits the bank it will go to our little BOA (balance currently just under $3,000) it’s a drop in the bucket, but one drop is better than none! My plan is to make a payment every time I receive any amount at all over my basic minimum required because this account is one that charges interest and it is figured on an average daily balance. So every time I can lower the balance it saves a bit on the interest.
The broker that handles our IRA called this morning to say he’s selling some stock today that will net us a good profit. When he told me we should celebrate and buy dinner I replied “only if I cook it at home.” He burst out laughing and said “Still on Dave Ramsey I see.” Who says brokers don’t know their clients. LOL! The money sounds great, but remember it’s in the IRA, so it can’t snowball. Oh well, it will make retirement in a few years that much more sweeter. It basically is part of our ffef since we are already retirement age.

Today is a working day

after Santa arrived early yesterday. My folks are downsizing and we got a big batch of furniture and household goods shipped to us, which arrived yesterday. So most of this week has been prepping the house for four new (old) pieces of furniture, and four boxes’ worth of kitchen goods, and three area rugs. It was like a mini-moving day. Delivery was delayed by bad weather for the driver, but we managed to hook up later in the afternoon and get everything unloaded OK. Last night and today I’ve been getting everything put away. Tiring work and I can feel it in my back tonight, but it’s nice to have this stuff here. We’re the only ones in the family who are on the DR path and they have decided we must be broke, because we’re not buying goodies for ourselves lately. So they’re treating this as one part Christmas gift and one part charity. We’re just pleased to have these pieces of furniture that I grew up with. Pieces of home and family. A perfect Christmas present.

Сomment about broker is funny

It was our broker who told us to sell some of our mutual funds off and pay off our home. He knew our income was beginning to drop and that we were debt free. He’s also a fan of Dave Ramsey. He told us he really thought we should be totally debt free at that point. For the past four or five years he’s been encouraging us to continue toinvest in retirement and college but to sock away cash rather than put money into extra investments. A lot of people can’t believe there’s a broker from a big named brokerage firm who actually discourages clients from surplus investing, and I was initially very shocked when he’d try to dissuade us from buying extra funds and squirrel cash away. Anyway, he gave us the shove we needed to just do the deed and pay off the house two years ago, and I’m very thankful for his advice.

The email to Lowe’s

I sent explained the problem with the plants, but I guess I didn’t tell you all the problem. It’s not that they just had 5-6 seeds per tiny grape, it was that after all the seeds there was literally almost no pulp. They were watered daily, so lack of water wasn’t the problem. We ended up feeding them to the birds because there wasn’t even enough pulp to make juice, because I would have if I could. I have a brand new steamer juicer that dh purchased for me last Christmas for just this job and it’s never been used. The crop is long since gone.
What dh wants to do is prune them back severely and really limit the number of vines we let them set on this next spring to see if that will at least make them make bigger grapes with some pulp on them. He wants to set the “new” seedless grapes in another section of the garden and try again with them come spring. I’m just worried that some how the two might cross and I’d end up with even more heavily seeded grapes. The plants in question were 4 seedless white grapes, 4 seedless red flame grapes and 4 assorted blueberry plants. The blue berries thrived the first spring/summer but did not set on fruit then this spring, despite our best efforts they just shriveled up and died. I love blueberries and I only got about 6 blueberries total off the four plants. Lowe’s is going to replace all 12 plants, or at least give a store credit for them. They want me to come in asap and bring the email. Not sure when I’ll go.

I have recently written about getting our taxes squared away, FINALLY, but one step remained to be set up – calling the IRS to schedule a payment plan. We knew that we wanted to start the payments in January, to give us time to get another bill paid off first (and that’s going to happen next week. But when I went to sign up for the payment plan online, the website wouldn’t recognize the personal ID information I kept trying to type in. Which meant I either needed to go to the nearest IRS office, or call them. So I called them.
The bad news is, I was on hold for LOOOOONG time – over an hour. The good news was, the gal was super nice, easy to work with, and we’ve got our payment plan set up. We’ll be paying $200/month, due on the 15th, paid through an electronic payment service courtesy of the US Treasury, starting in January. If we pay only that minimum payment, it’ll take us 40 payments to pay down everything. Blech. But in true DR form, we’ll keep plugging away with other items and snowball this one just like we have been snowballing so far, and darnit I want that debt GONE well before 2020. But at least now things are in motion and Uncle Sam is happy with us once again.
I feel one part a big relief, and one part the need for a shower, after sitting on the phone that whole time and going through all those hoops and signing up for what feels like a very long time of payments. But the i’s are dotted and the t’s are crossed and we don’t have any more skeletons in the closet. Dang, all this fresh air feels great.

Shortly before the May payment

for my hubby’s truck was due (purchased before DR) the bank holding the loan called and said for Dec we could skip 1 payment and then send in the Jan payment on time. Knowing there was a trick to this and that it would be more headed to cancel an auto pay than it was worth to us at this time, DH said ok what exactly do I have to do. The lady said just authorize it and then we will put in your file that you want to skip your Dec payment. DH said so I don’t ever have to pay that 400 to you? She said oh no we will tack it on the end of the loan so you can skip it now but you will have 1 extra payment later. So DH says whats the point, she says some people like the extra money for the holidays or whatever. He said so I still have to pay that money, she says yes and there is a 30 $ fee for it. Hmmmm… DH says no thanks, why would I pay you MORE to add an extra money on to my loan.

I got a call back from BOA yesterday

Under a ‘forbearance’ , the payments aren’t just tacked onto the end of the mortgage, as I had been led to believe. If I had a 3 month forbearance, I’d have to pay all 3 months’ worth the 4th month, as well as that month’s payment.
So that isn’t an option. The guy told me about a government program that may pay my mortgage for a period of time, so I guess I’ll apply
for that. That only works if I qualify(not a given). But it would be better if I could just FIND a JOB…

Those are my goals

For this year I’m keeping it simple with a baby on the way and some of this is just homework.
I changed our tax withholding to 3 from 2. I don’t like lending money to Uncle Sam for no interest.
Staying out of debt with DH in school through his G.I. Bill, grants, cash, and hopefully a scholarship or two. He’s leaving the Air Force in February as well. We’re readjusting the budget to anticipate the drop in income.
I’m going to try to continue the best I can to be learning how to program in Excel so I can leave my dead-end job. With a three person household being created it just doesn’t pay enough to support us anymore.
I just learned how to use some of the financial functions in Excel. That’s going to be so much fun for my budget, but for work I’m still learning the background stuff for making macros files. I like it so far.
I’m just not looking for a new job yet because I don’t really want to walk away from 12 weeks of paid maternity leave. They give me 6 weeks by law and because general management is sort of nice they pay you during the first 6 weeks.
I know my direct manager wouldn’t pay anyone if she could get away with it.
Plus, I have enough leave/vacation time saved up for the other 6 weeks, so I’m going to take advantage of that before I walk out the door. And yes, I will try to not tell my direct manager to stick it where the sun doesn’t shine when I leave. I’m being a quiet disgruntled employee as recommended by several people here on this list. Great advice by the way.
I don’t like my employment conditions anymore so as soon as possible I’m finding something else.

I am enjoying a few moments of peace :)

I had my first and what I thought only via IVF at 41 (a DD) then a year later became pregnant with our son by “accident” I guess. 🙂 We weren’t trying but also not not trying if that makes sense. Little guy is going to celebrate one year here in late January and I will turn 44 in April. Living in WDC this is normal actually, and not considered unusual so I wantyou to know that whatever age you are it’s awesome to have a child and you will enjoy him/her, I’m sure! 🙂
You are on the right path and have a good attitude. I don’t really have any DR advice as we are debt free at the moment and trying to build both our retirement savings and college savings and also a “things to fix around the house” fund….slow going but we are committed.
Take care of yourself — baby comes first! I say this as my little ones are napping and I am enjoying a few moments of peace. 🙂

Congratulations on new son.

It sounds as if your mom is a lovely woman; personally, I know how hard it is saying no to your older children, and hopefully, she’s learning from you as you work through these boundary issues as well. The most important thing is that you have to be a bit selfish for yourself and your own health and well being right now. It’s going to be harder with your hormones being a bit out of whack as they tend to be during pregnancy, but the bottom line is that you need to do what you feel is best for you and your marriage and that growing little baby. Stress is the last thing you need right now, so address whatever matters need to be addressed, but do it in a kind and a gracious manner, and then stick to your guns (yeah, I know, easier said than done).

I tried to get my mom to read it but getting her to read a non-fiction book is pretty much impossible

I have read “Boundaries”.
It’s a great book. I have heard of the change/change back concept. I’ve thought about rereading boundaries. I’d have to get it from the library but maybe I’ll read that other book. Thanks for the suggestion.
I have learned to say no to my older sister. At first she fought back really hard on it and of course called me lots of names that I won’t mention, but in the end my mom told me later that she respects me a little more. (Maybe.) It’s easy now because she lives in Chicago. Too far away to have to deal with on a daily basis, but when we do visit, I’m done after about a day or so. We don’t really talk but that’s her choosing.
My brother on the other hand is a whole different ball of wax since he’s the oldest and has the attitude that he knows what’s best for everyone. He won’t take no for an answer, so I have been ignoring him for the last couple of years. He’s a hard nut to crack.
It’s just proven to be really hard to get my mom to ignore him. He walks all over her. And she allows it because she thinks that’s the only way she would see her grand kids. We’re helping in that department. (He, he, he) They won’t be the only grand kids around for much longer. :)At least she didn’t buy his (flooded out three times) basement condo. Yes under water literally at times. (LOL)
The change is slow but I’m sticking to my guns. I have already seen the benefits even if it doesn’t always involve money.

It’s very challenging and a big emotional journey

I can’t recall the book off the top of my head but there is a family dynamic called “change/ change back”; meaning when someone when in a toxic environment makes changes to move outside the toxic environment, the other family members most often will not like the change(s) because, well, it’s change, so they try to bring said changing family member “back into the fold” hence the “change” ing person and “change-back” family members.
It’s very challenging and a big emotional journey to break away from this sort of relationship (been there, done that) so I commend anyone who is in the process or has also done the same.

I had only just started to say No

to family members when we started DR a year ago. At that time I thought I was the Worst Daughter Ever (and my mom even told me that to my face, for saying “no” to her). Then I learned about how that toxic relationship can often rear its ugly head within families, and once it starts a lot of times it’s headed nowhere but downhill, no matter what everyone’s intentions are. During 2012 I learned more about how that dynamic works, how family members will milk it for all its worth and even try to protect that arrangement when they start to feel it being threatened. Doesn’t matter if it “works” or not. Everyone wants to protect the status quo and they’ll fight tooth and nail to keep someone from rising above that mess, and/or changing habits to get out of that situation. I was the family Fixer and everyone wanted me to stay in that job description, regardless of how much time, money and energy it cost me. I just needed to grow a thick skin and tell folks that no, we aren’t traveling for awhile. No, it’s not our job to fix a marriage or fix the plumbing or fix a computer or fix the other hundreds of things we used to fix because we wanted to be helpful and nice. Furthermore, we aren’t going to be guilted or shamed or pressured or bribed into changing our minds, and no, this isn’t because we’re selfish, conceited, spoiled, or failures as family members. All those things were said to me during 2011/2012 (and worse) as this situation came to a head, and finally sort of passed. There is no logic to it, there are no rules to what family members will dare to say, and there’s no holds barred. Just steel yourself as best you can, stand your ground, and say “NO. I won’t do this anymore.”
Your new little life is the priority, and everyone else can take a number or take a hike. If they don’t like it, they’re grownups and they can get over it. That sounds extremely harsh, but anything less and they’ll just keep leeching from you as long as they can. That’s the lesson I learned this past year.

I still maintain a BEF

.. even though I’m debt free! I have 1500.00 set aside “in case”. I keep it in a savings account which is readily accessible – physical brick and mortar bank in town so that I can get it if I have to. I don’t have much other ready cash on purpose, but my BEF is there in case. Just something I’ve always had for that murphy repellant. When I use any part of it (the last time I used some, my sister’s oven went out Thanksgiving week and though it wasn’t MY emergency, it was crucial that she have an oven) I immediately pay it back, by diverting my normal monthly savings plan to the BEF first. In my sister’s case, she paid my emergency fund back and I didn’t touch any of my monthly money in offering assistance to her.

I would categorize a car fund as separate from an emergency fund

Everybody knows a car isn’t built to last forever, there will be wear and tear and repairs which have to be made to any automobile so I wouldn’t use the emergency fund for the car, but rather the car fund for the car.Maybe a different way of terming the emergency fund. In the example about a car, I would use the car fund for any repairs, and any repair that is beyond my car fund, would then be funded by the emergency fund.

I use two savings accounts.

One is my longterm emergency fund and I try to never touch it. The other covers all my sinking funds – I use Quicken to make sure there’s enough in there for everything.
One place where I disagree with DR a little bit is I think $1000 is too small a BEF for many people. I have heard DR on the podcast suggesting to particular individuals that they increase theirs. There are certain “emergencies” that are very predictable. For example the Car Talk guys suggest that an old car takes $600-$1200/year for repairs. If you have an old car I think you should aim for a BEF that’s big enough to cover $1200 in repair PLUS $1000 for the unpredictable. If you raise animals, have enough to cover a year’s average surprise vet bills. That sort of thing. You know it’s going to happen even if you can’t say when.
After I did my budget for a few years, some years back, I was able to come up with a number for my average “one time” and surprise expenses, mostly predictable. The vet, car repair, some sort of home repair, medicine, fees, holiday gifts, life insurance..I added all that irregular stuff up and divided by 12 and I put *at least* that much into the sinking savings fund each month. And then, it’s not an emergency because I have the money to cover it. Even if you’re in debt, I think it’s worth having a slightly bigger cushion so that two things in a row don’t knock you into more debt.

Have you ever noticed “emergencies’ only happen when you DON’T have the money for them?

Do you notice that when something like a tranny going out, or a furnace acting wonky when it is 10 degrees outside how much calmer you are if you KNOW you have the money for it? A bef is cheaper than therapy for you rattled nerves or a daily dose of prozak as well.
Don’t get me wrong, our bef has came and gone numerous times, but we’ve always started putting it back immediately after we’ve used it. Even if it’s only $5 at a time, because that $5 is a brick to build a brick house against the big bad wolf Murphy.
I will admit though that I tend to have one account labeled BEF. It contains the $1,000 PLUS my sinking funds for household repairs, car repairs, and emergency vet visits (not to be confused with the monthly vet budget line item for flea drops and such). While I keep ledgers on how much of the emergency fund savings account goes to what account they are all together, so if a really big repair hits say for a new tranny and the truck repair budget only has $500 in it I can “borrow” from the other sinking funds or the BEF to get the repair done before it becomes a bigger problem and therefore more expensive.
Then all snowball money goes to replace the “borrowed” money and the sinking fund is refilled with the normal monthly allotment. It is the only way we’ve been able to battle Murphy for the last nearly four years. It has slowed our snowball down, but we have also been able to meet every “emergency” as it slapped us in the face.
One benefit of my doing it this way is it makes us stop and think “Is this truly an emergency, or is it an inconvenience?” “Do we really want to slow the snowball down to fix this, or can we put up with the inconvenience until we are debt free?” Some things of course MUST be fixed right away. Like the tranny in your only vehicle, but other things, like fixing the readout panel on the fifth wheel—we can do without it until we are debt free if dh can’t find the problem. In the past we would have rushed right out and paid $99 per hour for a rv repair person to work on it, on a charge card I might add. Now we’d rather not hit the bef for something we can do without, albeit very inconvenient.We also find, like Kat, that we can do more and more repairs ourselves. The $1,000 we saved on dh finding the chewed signal light wiring on the camper and repairing/replacing it wasn’t a simple task, but he figured out how to do it and it works perfect.

I’ll admit it.

We have gone through our BS1 and rebuilt it so many times that about the middle of the year, I just gave up and put it toward debt snowball, rather than stopping debt snowball and having a BS1 with nothing to show for it. I guess in reality, I have been doing BS1 in a hodge podge manner, since whenever unexpected things came up I just paid for it, rather than putting it on a credit card. But I never did go back to a separate account for emergencies thing.

So here’s my question. At the end of January, I’ll have $1,100 to put toward debt. Should I just keep doing what I’ve been doing, or should I create a formal, BS1 savings account?

It just seemed last year like there was always something…and I was never winning.

Only took about 30min to get the carb off the motor.

And that was at sunset with failing light, so we finished up by flashlight. Which definitely wasn’t ideal. Also not ideal to do the work in the living room, but since we don’t have a garage or workshop, it was here or out in the cold icky weather. So I’ll tolerate a house that smells slightly of gasoline, over being out in the cold and rain.

Disassembly is usually pretty fast – I expect we’ll spend half a again as long to put it all back together and then get all the adjustments dialed in. We didn’t change any of the adjustments taking it apart, but we found things like one idle fuel mixture jet was at a different setting than another, when they should be the same (and one of those jets was also bent, which just made us think ‘huh??’) And then putting it back on the motor should be another 30min. Hopefully not in the dark. So far we’ve got about 10hrs into it, expect another 12-15 before we’re done.

We’re done with disassembly, and DANG.

In the process of that disassembly, we found GUNK completely blocking one of the two barrels (it’s a two-barrel carb). That’s basically the same thing as saying that half a person’s airways were blocked. No wonder I was having issues – my truck couldn’t breathe! Nasty, thick, heavy, black, gunk that is probably a combo of oil and fuel which couldn’t move through the carb the way they were supposed to. We haven’t diagnosed the “why” part yet, but that will come once I post some photos to a Ford Ranger enthusiast forum and have those folks help me diagnose it. But just sitting here mulling this severe a blockage, DH and I figured we would have been into at least $750 if we had taken this to the shop. But by doing this ourselves, so far we’ve spent $95 and two afternoons, parked at a work table in front of the TV on a nasty rainy weekend. Time VERY well spent.

For anyone and everyone thinking to take on a project like this, I think the main thing holding them back is the idea that they won’t know what they’re looking at, and/or won’t know how to put things back together. What I’ve found is that there’s a phenomenal amount of documentation out there to help folks do work like this, and there are forums and discussion groups (like the DR list talks about finances) where folks can post questions and get answers, often with very little turnaround time. The shop pro’s are as close as the computer and the library. I can’t even begin to describe how much this has benefited my confidence in my ability to troubleshoot problems, and “take control” of my truck’s well-being. This was a massive blockage, and now we’re taking care of it, for a fraction of the cost of taking it in for servicing. For folks looking at servicing their own vehicles, go slow, do your homework, document what you do, take lots of pictures, and read read read read read. But by all means, GO FOR IT.

You can do it!

Dale and I undertook our kitchen a few years back including tearing up the plywood to the basement level and redoing the entire thing. The best part was we didn’t get a divorce over it. LOL! The kitchen went back together nicely and it made me realize that we could do a huge undertaking just by reading some directions and putting our minds to it.

Some of you will recall the troubles we’ve had with my truck during 2016-

transmissions exploding repeatedly. Suffice to say, that wasn’t much fun. Thankfully, most of it was under warranty so it was “only” $1700 out of pocket for the first rebuild; the subsequent rebuilds (two of them) were covered. Even with the warranty work, it was money we really didn’t want to spend that way. And certainly we didn’t enjoy having my main form of transportation, and the farm’s main work vehicle, in the shop for three weeks at a time, repeatedly through the year. Schlepping tons of feed and hay in the back of a Ford Escort loaner car isn’t much fun.

So when my truck’s cold idle started coughing and sputtering, and my starting exhaust was thick gray, and the idle speed would start to race to unbelievably high levels as engine temps came up, and my fuel efficiency went to heck in a handbasket, you can imagine how pleased we were. Those issues started in mid-November, but finally reached a head about a week ago when the old girl stalled on the road at 35mph, while I was shifting between gears. Yes, expletives were muttered. We had another repair bill staring us in the face.

But I recalled some conversation here about shade tree mechanics, and that most car repairs can be DIY, armed with sufficient explanation, the right parts, some spare time, the right tools, and a generous dollop of patience. Sharon in particular amazed me with stories of what she’s repaired in the past. Stuff I never would have dared touch. So when this particular issue started to rear its smoggy head, I knew that the Dave Ramsey gauntlet had been tossed down. Rather than take it to the shop and slap this on a credit card, or even take it out of the emergency fund, by golly we could do this ourselves and save at least some of the price.

So today, while the rest of the world looks forward to another long holiday weekend, yours truly is going to march into the auto parts store, get the carburetor rebuild kit, a new choke thermostat, a few assorted-and-related shop materials, and get to it. I imagine this project will easily chew up the rest of this weekend, and a few more expletives will be uttered along the way. But with any luck 2017 will dawn on my truck with a newly rebuilt carburetor. That should make a nice 30th birthday present to my ’83 Ranger.

Ok, so how it works:

Simple is actually pretty simple (lol). They have a website or phone app you can use, and you set up your “goals” which are essentially envelopes. When money is deposited in your account, you can “transfer” funds into your goal (envelopes) and then as you spend money you tell Simple which envelope you’re spending from. Although no funds actually leave your account to go into different envelope accounts, it is all just a construct to help you budget, the first balance you see is called “Safe to Spend” and that amount is your balance less any money in the goals. Beneath it is your actual, full balance (but it’s purposefully very small compared to the STS amount so at a glance you know what funds you have to spend after your goals are fulfilled). And since it’s all in there if you make a budgeting mistake, the funds just pull from your total balance and the amount in each goal envelope will automatically adjust accordingly. You can go in and switch stuff around whenever you want too, It sounds more complicated here than it is, I promise lol! You can make an EF goal and have 1,000 in there to pull from! So DR friendly! They do everything else a bank does like allow you to pay bills from your account and send you a free debit card.

You can also set goals for long term to help establish savings habits. I put a goal up to save $20,000 in 5 years and now it automatically pulls a small amount each day into that goal. If I dont have the funds for whatever is supposed to come out that day, Simple just waits until I do to continue the process (and adjusts the daily amount accordinly based on the time frame remaining). No fees, no overdrafting. If I get behind I can “pause” the goal, or if I get a windfall I can allocate funds into the goal at any point.

The only downside would be if your income was cash-based because they’re online only. So my paychecks are direct deposited, and they have a nationwide network of free ATMS which their app will locate for you automatically with a press of a button (the common ones in gas stations and Walmarts are almost alwasy fee free). However, If you want to deposit CASH you have to buy a money order and take a photo with your phone to deposit it. I think you can also give someone cash and have them write you a check to photo deposit, but thats a lot to ask of someone regularly. I am not in that situation, but just wanted to note in case someone likes the way this sounds but makes cash income (tips, babysitting, odd jobs etc).

Found an online bank that does electronic “envelopes”!

Just wanted to share that I recently started banking with an online-only bank called “Simple.” What I really love about them is they allow you to use the envelope system electronically. If anyone is struggling with that, you should look into this bank. Well I guess more rightly they are an interface that somehow gets the bank they represent (which differs by area) to act the opposite of a bank haha. I dont know how they do it, but I am loving it! No minimum balances, no way to overdraft, no NSF fees… it acts like a combo of a credit card and a bank, but you put the funds in there so it is NOT a credit card and does not offer a line of credit or anything. All FDIC insured and all that jazz. They even pay YOU a small return for putting your money in their bank. It is really small, like 2% or something but hey it’s better than 0 or a bunch of fees. If you try to spend money that isn’t there it will just decline your transaction, there is no NSF fee and they won’t loan you anything. No money = cannot spend or try fastest cash loans. Also your transactions always post in chronological order. Nothing is reorganized by value or some other wacky method. And by God, everything posts almost instantaneously! I know this because it alerts my phone each time I spend. So if I don’t get an alert (which hasn’t happened), I know it didnt post. Not like my credit union or any banks I have used where stuff will sometimes not show for a few days because the merchant hasn’t batched or something. If a merchant communicates with Simple to approve a transaction, it shows up! It may pend for a few days until finalized, but it’s there and deducted from my balance so I don’t make a mistake.

Although dh has been retired for a month now we had not been able to leave town between repairmen

concern for my brother in law and our own health issues (we all 3 caught that super crud that has been going around.)
We have been at sixes and sevens about leaving town ever since dbil slipped into a vegetative state, but the doctors now say he may linger for months, or he could go at any minute. Either way he is on hospice and they don’t ever expect him to truly regain consciousness. They said we should all be prepared for “the phone call” but to go on with our lives.
So after much deliberation dh and I decided to hit the road sort of. Because of various appointments with my doctors and the VA for dh we will have to return home for a week in June, and then a few days again in July. Instead of rushing our northwest trip we’ve decided to do these two one month stints a day’s drive from home. That way if dbil passes we could get home quickly, plus be able to return home for the appointments fairly easily. Then in July we will start the northwest trip.
So Friday, we left Oklahoma for Arkansas. We have set up a strict budget for traveling and are eating more meals out of the camper than we have eaten at home in the last few months due to all that was going on at home.
I know to some the idea of travel sounds very expensive, but we’ve done our homework and have had years of experience on traveling on a shoestring. Right now our camping costs us $10 a night because we are staying at Corps of Engineer (COE) parks using our senior’s American the Beautiful National Park pass. That includes our utilities. For $300 a month we are all bills paid in our own camper. In about nine days we will move over to Branson and go to the Blue Grass festival at Silver Dollar City.

We will purchase Senior’s annual passes that will get us in as much as we want for the rest of the year for under $80 each. With the discounts offered with this pass we will also save more than that on any foods we buy there before the year is over. So it will be basically free entertainment.
Because there are often many free or near free things to do in or near the campgrounds our other entertainment is cheap also. Plus dh and I enjoy just hanging around the camper and decompressing. In fact that is what we’ve been doing since Friday. Sleeping late, eating home cooked meals from my dried food storage (we have been eating so good you wouldn’t believe), taking long walks, watching the red headed woodpeckers. Enjoying the antics of the nearby camper’s one year old triplets (thank God it is them and not us!—It was like herding cats for them to keep an eye on all 3 at once).
Peace and quiet are big too. You see we have no wi-fi, our phones are on roaming, (luckily our roaming is free), we’ve not even tried pulling in any tv or radio stations preferring to watch dvds in the evening and listen to music on our computers. When we truly need to get on the internet to research something we can go to the visitor center and use free wi-fi. It is about a 10 minute drive from here. Sure beats paying for a wi-fi hot spot. Between visits to the visitor center we can write up emails, like this one, and prep them for sending, prepare blog and vlog posts and then do the uploads once there. Free is good.
Today, Monday, it has been a steady rain all day. We had planned on going out to a visitor’s center on the dam near where we are and over to do some grocery shopping. Since neither was pressing we choose instead to stay in, read, compose blogs, tidy the camper and cook some great homemade cream of soups. Potato for him, broccoli cheddar for me. All made from dehydrated foods and oh so perfect for the cold rainy day. Then for dessert we had freeze dried chocolate chip ice cream bars. Very good.
So stay tuned, lots of blogs and vlogs ahead, we are traveling finally!

After spending 12 days in Lakeview, AR we moved to Branson, MO last Wednesday

It was rainy and cold until Saturday. Then we went from 59 to 80 degrees and bright sunshine. We took advantage of it to go back into AR both Saturday and Sunday to the site where the amusement park Dogpatch USA was. It has recently been purchased and the new owner is working on revitalizing it. We approached him about being able to go down in the park to fly the quad over it.

He was thrilled because he wanted an aerial view of it. So we went both days, flew it twice, gave him a copy of the raw footage of it and dh is now editing it to put it up on you tube later today. I will let you know when it is up.

We really enjoyed doing it, especially since our first trip as a family was to Dogpatch and then over to Silver Dollar City and now 40 years later our first trip as a retired couple are the same to places.

We are doing real well on not eating out. When we do we have used coupons or gift cards to do so.

Oh one other thing. You know how DR talks about the well to do who live below their means. The owner of dp is the inventor of the Buddy bowl, a spill proof pet water bowl. He invited us into his home, the ski lodge on the property. While the building is impressive it is very basic in its furnishings for him and his HUGE wolf/dog hybrid. He dresses in very simple well worn clothes and is very interesting to chat with. We both liked him.

kinda hate to say this, but we’ve been doing just fine without any of them, for over 10 years now

We’ve never had a dishwasher, our gas dryer didn’t have a hookup when we moved into this house in 2000 and we’ve never bothered to install one, and our range died around 2005. We hang our clothes on a line or rack to dry (inside when it’s cold outside, but we’re coming up on the dry-stuff-outside season). We have a big toaster oven and a hotplate which both sit on our countertop and serve whatever cooking tasks we have, and we have a dish drying rack next to the sink. It’s really not the end of the world.
Having said that, we don’t have little kids; that would probably change the math a lot for us because our meals and laundry loads would all be bigger. But for just the two of us, it’s fine. I remember from being a kid that washing/drying dishes was part of the teenager to-do list, and we always dried laundry on the line. So even with older kids in the house, some division of labor would take care of two of those three appliances.
I’d suggest getting creative with “doing without” for awhile, and save up the money for general repairs rather than dipping into the emergency fund. You might find, as we have, that we really don’t miss those appliances. Or, you might find that you really truly gotta have one of them repaired NOW, but the other two can wait. And then you’ll have your answer. And your money.
Also, thanks Eldred for sharing that link. We’re firm believers in DIY work, and we repair most of our own stuff these days. That can save 90% of the repair bill, if/when you decide that appliance really does need to be up and running.

I have been thinking about this and trying to figure out what my priorities would be if it were our household

I know, everyone’s mileage may vary but here goes. I would probably go with the oven first, because it seems like a cheap fix, especially with a handy man in our house. I figure we could order the part and dh could fix it. Plus we need to eat and an oven is used here at our house weekly, if not several times a week.

Second, I’d go with the dryer. I cannot even imagine lugging wet clothes from one floor to another. (Thankfully we live in a single story home.) We have temporarily been without a working washer before. We would take the dirty clothes to the laundromat to wash, then lug home the wet clothes to dry them. It was a chore and I hated it. Actually I hated feeding the coins in more than anything but lugging wet clothes was a close 2nd. To me my time is worth something and all that lugging seems like a time eater. So my 2nd thing to fix, very close behind the oven, would be the dryer.

The last thing I’d fix is the dishwasher, simply because a dishwasher is totally not necessary and a total convenience. Yes, I love mine, we use it several times a week and I’d had to have it go out completely. However, if I had to do without one appliance for an indefinite period of time, it would be the dishwasher. Hand washing is an cheap, easy fix for the moment, for an extended period of time or for a lifetime. People lived without automatic dishwashers for 1000’s of years.

Anyway, that is what I’d do but everyone is different.

Oven coils are an easy fix..

I just had to do it to my almost 40 yo oven. It is an apartment sized oven, so it is cheaper to keep repairing than to purchase a new or full sized oven/stove. The cost of the coil was under $50 and my husband fixed it. I did look at different online places to purchase the coil because Sears wanted double the money and 2 weeks to get it to me.

Emergency fund – sinking funds questions

My husband now have our emergency fund back up to $1000 after several problems with dealing with my 80 year old MIL  MIL decided to move closer to us but of course didn’t have the money to have herself moved ect. We rented a Uhual and my 2 sons moved her (I packed her up) and then we find out she needed to pay 1 weeks rent because she didn’t give 30 days notice ..she is in subsided elderly housing and has had mental health issues her whole life. She also didn’t have any money for food ect after we moved her. We used part of our emergency to move her and make sure her fridge was full.  She did pay us back and now our emergency fund is back up  My dishwasher broke about 1.25 years ago and we decided not to call the repair man and wait ..now our basement dryer broke (we happen to have a stackable washer and dryer set upstairs for the kids so we are dragging the wet clothes up to the 2nd floor from the basement to put in the dryer, (the washer to the stackable set went about 2 years ago.) So since we do have 1 working washer and 1 working dryer and it is not an emergency should we just save up more money before we call the repair man? Also I have one of those Gemini stoves that have 2 ovens and the bottom oven burned a coil quite a while ago but again since small oven works we have been making do If we do call the repair man we are going to have him look at the dishwasher also since you pay 1 fee just to have him come to the house.   I not sure what it will cost to get all these appliances fixed!