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Need Help...Anybody Remember?

December 15th, 2011 at 07:02 am

Hey guys, there's a friend I'm wanting to help. I used this tool and now want to pass it on. I'm wanting to find a guy on here who had some nice grids that were used to help you pay things off early. He had one shaped like a house and one shaped like a car. You gave each gridblock a dollar amount towards the total owed and then colored in each block when you paid that portion down. A visual aid to help you pay down your debts. Anybody remember who I'm talking about? Or do you have a copy of those aids?

I was reminded yesterday and have started it up again...of a little trick I used to play with myself. Yesterday I drove an hour out of town to a funeral. On the way there I did use the turnpike to the tune of about $2.50. I decided I would come home the other way and save the change. I also was planning to stop at MickeyD's and buy myself a smoothie for breakfast - I had already had a banana. I sailed on past the exit and saved myself $2.32. I ALWAYS stop at my favorite restaraunt in this town to buy myself some of the best hot dogs to be had for lunch. Didn't do it - had half a pimento cheese sandwich at Dad's house. Saved myself about $4.00. So when I got home I rounded up those savings and came home and sent $10 online to my Roth. Not a big savings day, and not a total No Spend day but over time these are the things that can help you add up to a comfortable retirement. Here's to saving!!!

Somebody asked the other day about CashHappy & FrugalSon. They are both at home (disabled) and doing well as of the moment. CashHappy dug himself a deep debt hole while gone from home that we are slowly digging him out from. Of note for FrugalSon is that because of new BUSY traffic location he won't be able to drive from here to a job. So, we sold his little vehicle and moved those dollars into his ROTH as he only worked half a year this year and that just covered that half year income plus a little bit more that we just moved to regular savings. He's a happy camper and not as upset by this necessity as many guys his age would be. Both will be looking for new jobs after the Christmas holiday is over. Guess who'll be back to playing taxi-mom?

Anybody have a link to that guy's blog mentioned above????? Thanks bunches.

~LuxLivingFrugalis

Habitat's Resale Store Comes Through!

August 31st, 2010 at 02:35 pm

We've been looking for a new cabinet to go over the stool in the bathroom remodel. The one I had up there was an antique-y looking one (crackle paint & old hardware) and Hubster thought it time for something else for prospective buyers. Ehhh.

The ones at the big box stores look like crap and they wanted at minimum $115 plus tax for them. I had checked at three different stores and nothing looked any good and the prices seemed awfully exaggerated for what you were getting. No sale.

CashHappySon and I went yesterday to metro area to do some banking and while we were there I thought we might as well take a chance and look at Habitat for Humanity's resale Store where they sell old and new lumber type items. Score! I wasn't exactly sure it would work so took Hubster over there today and we found the closet doors we also need for another room and the right cabinet. Total for 2 solid wood louvered closet doors and a bathroom cabinet? $16.28. Yippy-Ya! Lurv a good bargain.

I will have to repaint the cabinet, but I don't mind - I'd much rather do that than overpay for something ugly to begin with. I'll try to get some pics of the before & after looks to post later.

Also, I will likely take the old cabinet to the junque' booth and sell it at a good profit. It'll be all profit as I got it for free to begin with.

Lux Bites Bullet In Upcoming Bathroom Re-do

August 28th, 2010 at 04:40 am



This past week - we've met with and ordered from our plumbing contractor a new bathtub and surround, which will run about $1610 installed. Had to do it - the vinyl bathtub has been cracked for awhile (whoever installed it before we bought the house did not get the concrete base down correctly) and the tape job Hubster did to keep it from leaking was an okay short-term fix, but it's been needing doing, so we're biting the bullet. One less thing for potential buyers to balk at.

I went earlier in the week and bought the new hardware for the shower and replacement matching faucet for the sink, new towel hooks, toilet paper holder, new toilet seat, flush handle, valves, doo-whichies and doo-ma-bobs, etc. to the tune of $400.

Waving bye-bye to $2000 not so fun necessarily, but something we have saved for, so nothing debted for.

While I was at the big-box lumber store I was happy to see that to just buy the stuff to do the tub & surround in the materials we chose? $1474 plus tax, so it is very much to our advantage to have someone who knows what they are doing being the wrecking crew & installer instead of us. Cost difference is minimal - $136!

http://www.onyxcollection.com/onyx-shower-wall-panels.html

Boys and Hubster working hard on the yard this week. We got another load of the ice storm firewood to Dad, and there are probably 8 or more loads left! I bought my crew ice cream sundaes last night to the tune of $11 and change. Ordered a birthday DVD gift for $25ish yesterday off ebay.

My continued absence...

June 10th, 2010 at 05:54 am

Since I was last here...I've been on a weeks vacation in NM and AZ w/the parental units visiting family, then my brother-in-law passed away unexpectedly, then another week's vacation in Missouri w/FrugalSon as Hubster stayed home to be with his sister, then my older brother passed away and we had his funeral.

Many of you may remember my posting about the last time he was in hospital...COPD and diabetes. Give up smoking now and save your family some grief later, okay?

We then spent some time cleaning up brother's affairs and then we (Hubster, FrugalSon and CashHappySon and I) went on another vacation, this time to Arkansas. Now, I'm back in my spot, hopefully for the summer and can catch up with you guys here on Saving Advice dot com!

Vacations? All paid for in cash AND I ended the travel season w/$60 left to put back in the pot for next year's vacations. YEAH for advanced anticipatory budgeting! It works.

Another financial event of note is that while we were gone on the last trip Hubster's final tier of unemployment benefits have ended. We are now totally going to be dependent on our retirement savings, Social Security and his carpenter's pension. I think we've got life covered, but it may run close at times. Saving MORE while you're working? Always a great idea!!

Back from the Races

October 29th, 2009 at 06:18 am


Yesterday was a new day at the Frugalicious races...

Got up early and Hubster and FrugalSon loaded up the back of my pickup with wood for my Dad using the wheelbarrow as I was not venturing back into the muddy yard with my truck again after getting sunk and stuck the other night. I picked what appears like the last of my tomatoes for the year and took about half of them for Dad.

Then Frugalson & I loaded up and went to the bank and got my signature on Hubster's Carpenter's Pension notarized and then scooted on over to the post office and got it mailed off.

We took off on the backroads and drove the hour and half trip to my Dad's and he and FrugalSon unloaded the wood while his wife and I visited. They got through and I got to visit with my Dad for about 30 minutes and then we started heading back.

Dad had slipped me $40 for gas. He can well afford it and if he didn't get wood from me? ...he'd be buying it from someone. Nice. It takes about $50 to fill my truck and I can get one full trip to his town and back out of it, plus some other running around my town. Last trip was on me.

I needed to treat my helper to lunch so at his choice we stopped for a burger basket, frosty rootbeers and had the rare treat of fried pickles as an appetizer. Yummers. $17.23 + $3.00 tip.

After lunch we stopped at a good garage sale. I bought myself two nice little side-tables - they are very heavy, have a cute rustic style to them and are formica-ed on top. So useable with those tops & too Too TOO cute to pass up.

I don't know that I NEED them, but will try to work them into the house. If they don't work out I might sell one or both of them in my booth at a profit. Or maybe FrugalSon can use them downstairs in his apartment. They are sweet little tables & at $25 for the pair, I can easily double my money. The finish on the legs is a bit aged, but they could be really cutened up w/some beige or antique white paint on the legs! Or, even some barn red or a forest green for a bunkhouse or cabin look. Here's one of them before cleanup:





Also bought myself a cute new to me denim jacket for a $1.00, and the guy running the sale, who was flirting with me ended up giving me a paperback for free - wooo, a big spender type! Big Grin

He was a nice man, but kind of overtly obvious with the compliments, thinking my son was my husband because obviously I couldn't P.O.S.S.I.B.L.Y. be that old, etc. Yeah, right. Nice to hear, but you know it's patently not true. I do look younger than my age, but not THAT young.

Also got two paintings in frames for $3 each. We'll probably paint over the canvases and have the frames to use for our creations. Cheap art material!!!

Then it was off to my Mom's house where they gave me a very nice metal patio table. They had three outdoor sets? I think one of them was from stepdad's Mom's estate. They are closing in their back patio and now have one inside that room and one set outside and this set just extra. Nice. I had given CashHappySon my old set when he moved away.



This patio set is black. My other outdoor set ALMOST matches it but is white/yellowish. The white set is 'chippy' and likely this coming spring, I'll wirebrush it down and paint it out black to match. I spot-shot the rusty areas the other day w/rustoleum to get it thru the winter. I nearly STOLE the white set late last year at a thrift store. All seven pieces for only $27.00! The other little table Hubster is using indoors for his printer stand.


(note one of the little arched water spigot cubbie covers that Hubster made the other day over on the left)

Mom THINKS she knows where the umbrella and stand is at in her storage building.

I'm counting my parental units as Corporate Sponsors! They're members of the Golden Eagle Elite Club!! Thank God for our parents. They've all done so much for us through the years.

We visited with Mom about 15 minutes and admired stepdad's handiwork on the new patio room, then jumped back in the truck.

Stopped at vitamin store and spent about $30 there, needed more magnesium for routine maintenance and also Sambucol to keep the sore throat and flu bug away. Pricey stuff but needed for to the keeping away of the creeping crud & the blue funks!

Then we stopped at the Dollar store for FrugalSon to buy more minutes for his Tracphone.

Then we got home by about 3:15 and I crashed! Then I got back up and took vitamin herby stuff to keep from being sick as I felt achy, and ate the rest of the Tortilla Soup from the other day at about 5:00 p.m. and then laid back down.

FrugalSon stayed outside and unloaded all the new bunkN'junque off the back of the truck.

FrugalSon then went out and helped Hubster who was mowing on the rider, by pushmowing the garden area and then the top-yard for the last mow of the season and to run all the gas out of the mowers so they can be winterized.

Hubster spent the day yesterday raking up all the leaves and twigs and general messiness that the tree cutters left behind and trying to repair a cheap-o rake that kept breaking on him. The last rake we had lasted about 15 years. This one? Lasted less than one season! Come on folks lets manufacture something worthwhile could we????

Then they stayed outside till dark-thirty chainsawing and stacking the rest of the wood in the front part of the yard. We are racing trying to beat winter! I had made Hubster promise not to chainsaw until I got home. I rushed around as much as possible for this daytrip to get back so he had some daylight left to work in. Supposed to be cold and wet the rest of the week here.

After all that cutting & stacking they came in and FrugalSon heated up the Black Bean soup that was also in the frig and they had that and sandwiches and marble cake for supper while I was going thru a nice little sleep cycle on the couch.

Poor FrugalSon had quite a busy day off!
I am feeling much better this morning. Like a new woman. Bouncing up at 5:30 a.m. Hubster is still sawing logs. In bed, that is!

Taking the $8 I didn't blow at a garage sale to the $20 Challenge.

$022.82 balance
+008.00 garage sale leavings
_______
$030.82 Oct MTD

2009 Challenge Total $993.10 (think I'll beat a thousand this year? Who'll give me odds?)
Cumulative Challenge Total $2046.86


*Little known L.L.Frugalis factoid: I used to jockey as a pre-teen.

Today and Carpenter's Pension

October 27th, 2009 at 08:29 pm



Tonight we filled out the online forms for Hubster's Carpenter's Pension to begin. We had busy busy daylight hours today that kept us from getting it done during the day.

It has to be printed out and taken in for a notarized signature. Spouses are protected from being left out of pension benefits and decisions by the law requiring that we sign off on the decisions. It's rather a strange thing. His application signature? Requires no notarization. Mine as spouse? Does.

Anywho, I plan to go first thing in the morning to the bank and get it notarized and off in the mail. The way I understand it we are asking for it to begin on 11/1. Not sure when the first check will arrive though. It will be back-pay from 11/1/09 though no matter when it actually starts.

First we had to get an estimated payment paper from them, which we did, telling them when he was planning on applying. That & the online application gets them on notice that he's to be put in the starting line up. Once they receive the notarized paperwork evidently they spring into action and send you a letter telling you when the first check will arrive.

We're going automatic deposits on this as well.

Once it's up and running they notify the authorized state insurance agency that he's eligble to go with that HCTC (I think it stands for health care tax credit) thingamadoodle that will get him the 65%-80% discount on some health care insurance coverage. The money in the pension check will be nice, but the healthcare benefits that we're hoping to get until he qualifies for Medicare? EXCELLENT.

Step by step folks. It's a process.

Keeping yourself going lockstep through the process can be, shall I say, taxing. He hates paperwork and gets majorly frustrated by all the little boxes to be checked and legally jargoned disclaimers that are made.

Also required are copies of birth certificates and marriage license. Fortunately that was all still out of the safe from the SS office visit.

Once this starts I will be so relieved. If you've been reading along with me from the beginning this was the mysteriously disappearing pension. I fought long and hard thru Congressmen, etc. to find out where it was 'hidden' and get it on somebody's radar that several million dollars of this company's pension funds had just slipped silently away after a company bankruptcy and was hidden deep within several layers of insurance buyouts by a major insurance company and it's many subsidiaries - I'm not naming names but it almost barked like a dog in it's commercials, Charlie Brown.

Finally we were able to get it taken over by this Pension Benefit Guaranty Corp. It's a really AWESOMELY GOOD thing that they are doing protecting people's pensions in these trying financial times.

Today was a personal No Spend Day for me.

Today we went to another town to deliver some of CashHappySon's winter clothes.

Today the nearly local parental units came over. Since early this year they now live 30 minutes away instead of two hours away.

Today I got my truck stuck in the muddy yard trying to load up more wood to take to my Dad's tomorrow.

Today my Step-dad helped get the truck unstuck.

Today I baked a chocolate marble cake.

Today I balanced the housebudget checking account.

Today I called the bank on the sudden $15.47 checking fee that they whomped on our housebudget account. Because of Hubster's age we have a FREE Senior checking account.

Today they refunded the mistaken monthly fee.

Today my Mom had a brain scan and a check on her caratroid (sp?) artery to see why she's getting so confused and forgetful. No indication of when the results would be back.

Today my Mom told me the same story for about the 100th time.

Today I acted like I heard it for the very first time, again.

Today we had quite a spirited family discussion of the moral tone of our country and bashed various and assorted politicians.

Today I cooked a pot of Tortilla Soup for lunch.

Today I paid two CC's in full, as I do every month. We are still debt free. Housebudget paid.

Today I paid the water bill, 3000 gallons this month - $40.45 - that's for 3 adults, 2 of us who are home all day every day now. Housebudget paid. $2.50 of that is for prepaid ambulance service. ARG!

Today I cooked steak, baked potatoes and a salad for supper.

Today Hubster worked all afternoon cutting up the biggest chunks of the wood into small enough pieces so my Dad can carry them.

Today was quite a day.

Now, I'm going to bed w/the lumberjack! Talk to you all later.

Good night Gracie!

---
link to Pension Benefit Guaranty Corp.
[url]http://www.pbgc.gov/
[/url]


link to PDF file about a Predictable Secure Pension For Life - has a nice checklist:
[url]
http://www.pbgc.gov/docs/a_predictable_secure_pension...

---

Five

October 17th, 2009 at 09:32 pm



1)Laundry DONE

2)Paint ceiling in Dining Room 1st coat DONE (prep work so Hubster can get crown molding up in that room) Needed because WACKED OUT bug spray man hit the ceiling in here with his bug juice making BIG ugly stains! Saving myself the cost of hiring a painter worth it's price in a post-whiplash neck-ache to a Frugalista such as myself. Ben-gay here I come.

3)CashHappySon's coats & winter wear from basement DONE

4)Cut up last of canteloupe likely for this season before it's gone-by freshness date DONE

5)Hang up clothes on top of dog cage DONE