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Painting & Refreshing House to Sell

August 24th, 2010 at 12:20 pm

We are busy w/projects here at the house. Spent $145ish on paint - this will cover the three rooms ceilings that need painting & repainting trim in one room, and then painting out living room & bathroom to boring neutral colors. I hate it. By cracky this house better sell after I bust my bum painting it colors I hate!

Contractor bath remodel guy on his way over as we speak to give estimate to replace vinyl bathtub that has cracked. Oh joy!

Prospective Listing Realtor says courthouse does not list our property acreage the same as we were sold and we were telling her that we had to sell. Had to dig out the abstract and old sale papers and will probably end up w/an attorney fee on top of everything else in order to get it set straight.

There has been loads of OTHER stuff going on, but the stresses and strains and actual hours needed to get it all done? Have prevented me from joining you guys here.

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!!

Sorry, I've been Absent...

April 2nd, 2010 at 02:46 pm

without leave! And then, time flies!!!

Both my parents have been having major health issues and along with others things, so, SA had to sit on the back burner! I've missed you guys.

SD Sioux Tribe Emergency Response Needed

January 30th, 2010 at 09:20 am


Photo credit: Juanita Oros

Many of you know I'm of Native American ancestry, this is not my tribe but the situation in SD is one I've just been made aware of. If any of you can help in any way I'm sure it would be most appreciated! If all you can do is spread the word that help would be great as well. It's true there are many people in Haiti who need our help, but there are people here on American soil that need assistance too! National media attention is needed in this situation. Do not be fooled. We are not all 'casino rich' or receiving an 'Indian check' each month. Many do not receive any government assistance.



South Dakota Sioux Tribe Seeks Emergency Assistance After Ice Storm


"Last week's ice storm in South Dakota left thousands without power and water. While many Red Cross resources are being diverted to relief efforts in Haiti, there is still the need for money and supplies in the upper midwest, specifically for the Cheyenne River Sioux Tribe, which has a full list of needed medical and general supplies.

Power outages forced 35 kidney dialysis patients from the tribe to temporary relocate to Rapid City, and the reservation requires glucose strips, first aid kits and even children's medicine.

The local Wal-mart has sent food and supplies, but in-kind contributions are being accepted. A full list of what the Tribe requests:

•Non-perishable food
•Cots
•Heat sources (heaters & fuel)
•Camp stoves & fuel
•Lithium 1, 2 and 3 batteries for law enforcement
•Lamps/Batteries/Lamp Oil
•Toilet paper
•Paper products for the shelters
•Pampers/formula
•Hand/baby wipes/Hand sanitizer

Ship in-kind donations to:
Cheyenne River Sioux Tribal Chairman's Office
Attn: Ice Storm Emergency Supplies
PO Box 590
2001 Main Street (Tribal Offices)
Eagle Butte, SD 57625

You can also contribute money to the Cheyenne River Sioux Tribe's emergency relief fund, which has been depleted in the past months. Online donations are currently unavailable.
Mail checks to:
Cheyenne River Sioux Tribe/2010 Disaster Account
Cheyenne River Sioux Tribal Chairman's Office
Attn: Ice Storm Emergency Fund
PO Box 590
2001 Main Street (Tribal Offices)
Eagle Butte, SD 57625"

[url]
http://online.wsj.com/article/SB100014240527487040943...


[url]http://www.bsnorrell.blogspot.com/[/url]

Hotel de'Frugalis - It Costs How Much??

December 1st, 2009 at 04:49 am

Tried to make this post last night and it went to blipdom. Trying again!



How much does it cost to stay the night in the Hotel de'Frugalis? Or put another way, how much does it cost to live here each day? $13.68.


Mortgage $000.00 (pd. off 9/21/09)
Insurance $001.59
Taxes $001.66
Utilities $010.43
____________________
Daily Rate $013.68*
Monthly Rate $410.40
Yearly Rate $4924.80

I am not unhappy with this figure.

Cheaper than most hotels I can think of.

And, we just lowered our rates when we reshopped our house insurance. And costs may go down further this year as my heating bill just came in way under last year's balanced payment plan figures.

However, it does go to show you how much even a paid for home can cost you.

"You paid off your house! AWESOME - now you're on easy street baby!!!"

It might blow somebody's mind to think it still costs to live here if they don't consider true costs. The actual rate above would be higher still if I'd of managed to figure in upkeep, repair and maintenance dollars.

It's here where I get to thinking of something many of us ofteN overlook or just gloss over:

Cost vs. price.


Figuring out the true cost of home ownership.

And then I get into thinking about Use Value vs. Exchange Value.

In many countries a home isn't thought of for it's dollar value like it often is here in the US, but more for the tradition or use value as a home to flourish in that is purchased for generational use, rather than flipping potential or investment potential.

That being considered, here's a nice calculator on the buy vs. rent debate.

[url]http://www.nytimes.com/2007/04/10/business/2007_BUYRENT...

This gentleman's article goes on to help you figure out, if you're in the shopping conundrum of rent vs. buy, how to understand the Rent Ratio. A way to effectively compare apples to oranges. Yes, the article is a bit dated, but the ratio will still work.

[url]http://www.nytimes.com/2008/05/28/business/28leonhardt....

Okay, so now that begs the question, how much does it cost you to stay in the Hotel of YouAndYours-dom?

Today's Five Plus

November 28th, 2009 at 07:41 am

DONE-1)Shower, Dressed, Makeup, Breakfast & Vitamins.

DONE-2)House checking & Money Markets checkbooks balanced.

DONE-3)Stop an old autodraft before 1st.

DONE-4)Add new autodraft that will cover auto insurance, house insurance and house repairs their monthly pro-rated amount that we set back. To-do's numbers three & four are the result of insurance shopping that Hubster took care of for us - nice savings included! It paid for us to shop around - our new insurer is AAA. Twice the coverage and about $500 a year less cost! I'll take it! Auto insurance was due for renewal 11/30 so that's all spent, but there should be about a half of a year refund coming in on the house insur.! Old Agent - Send it!! Big Grin

DONE-5)Set up CC payments for Dec - 56.14 & 23.15 balances on two cards. We never carry a balance any more. EVER. 69 days TOTALLY DEBT-FREE and counting!

DONE-6)Paperwork filing.

DONE-7)Recharge camera batteries.

DONE-8)New entry here showing my spare bedroom BEFORE & AFTER pics. After repainting the bed and investing in different bed-linens.

DONE-9)Clean out purse.

DONE-10)Sketch out painting idea for Jeffrey's Penny Experiment. [url]http://www.pennyexperiment.com[/url]

DONE-11)Get old comforter & shams listed on Craigslist.

12)I've been eyeing the closet in the spare bedroom. The clothes/shoes/stored items all need to come out and the walls & shelves in there need a coat of paint. Actually while doing that I need to 'encourage' Hubster to help me change the way the shelving is in there to add some more up top storage - we now have a LOT of wasted space. There is probably wood in the attic that could be used to add some more simple storage shelving. He's not up yet - he'll be thrilled with this idea - NOT!!!

The reason I want to get into this closet is there is a bunch of his parents' stuff that needs going thru and either shared with siblings or gotten rid of. So far, it's just THERE, overlooked and neglected, as it will stay unless I press the issue.

This is their jewelry, his Dad's coin collection, and family photos. I feel bad - he has two sisters who could be enjoying some of their Mom's jewelry. The coins and Pop's jewelry could possibly be worth something as well, and they could all probably use a small cash influx right about now, and the family photos ought to be shared.

13)Work on FrugalSon's & my personal (not House) budgets for 2010.

Okay - that's today's direction. Here we go!

---

Yesterday was a No Spend Day for the housebudget. Well, it was no-spend if you don't count that we popped off and invested in ING's 2% CDs yesterday. I don't consider that 'spent'. AND, while I had planned to pay yesterday for the meal out w/family, you can't beat my Dad to any restaraunt and pay first. He's a sweet little pain-in-d'patumpkus that way!

The whole way there I was encouraging Hubster to speed up or he'd beat us there and have already fixed it up with the cashier. Sure enough, he was there first. If I'd of been driving, we MIGHT have made it there early enough, but Hubster drives like your Great-Grandma on a handful of downers! I have to read in the car or go further C.R.A.Z.I.E.R. than I already am!



Found out yesterday that Dad will likely be having cataract surgery within the next month or so. If it's on a Friday, sister will drive him. Any other day of the week, I'm his chauffeur, and I'll need to budget gas money for that. Glad to do it - he often takes long driving trips to make his living/playing, it's worrisome enough for my 78 year old Dad to be out driving cross-country, so at the very least I need for him to be seeing well! He doesn't have to keep working, but does like a mad-man. He's a very hard worker.

Earn A Bit o'Green On Black Friday?

November 27th, 2009 at 06:20 am

Today we go to my Dad's town to eat out at a buffet place for our Thanksgiving meal with him and my brother, and take Dad another load of firewood. Not sure if my sister will make it or not. I did just see her the other day as she, Mom & my niece took me out for my birthday luncheon. Last night the Mom & Stepdad parental units came by for general Thanksgiving feasting. Several places to visit/separate celebrations on holidays? Oh the joys of divorced parents! Means we stretch these events over several days!

----
I'm planning on participating in Jeffrey's (co-owner of Saving Advice dot com) Penny Experiment. Care to join me?

[url]http://www.pennyexperiment.com/[/url]
----

Do Black Plus Orange Equal Green? YES, today they do!

ING has some special offerings today on Black Friday only.

[url]http://ingdirect.com/BlackFriday/[/url]

Think I'll take the $465ish I've been gathering together for our next CD purchase in our CD Savings Escrow Fund and add a bit to it to get to at least $500 & go ahead and do their 2%/12 month CD.

Yes, we have a line item in our budget called 'CD Savings Escrow' where we put back a bit of money each month towards purchasing CDs. Gather enough together to make it worthwhile and pop off & purchase one.

We also have line items for making 'Savings Bonds Purchases' and another for buying 'T-Bills' and the autoMAGIC ones for our 'DRIPS'. What can I say, I like having lots of various money piles!

And, I'm likely to bite on their $121 bonus for orange checking. Usually not a rate 'ho, but today, I think I will dally w/the orange in order to get a little green in my pocketbook.



I don't particularly NEED another checking account, but what the heck, I'm sure I can think of & set up another goal fund for something! Big Grin

No, still not a big ING fan, but I'll happily take their money.

Re: their requirement that you make 3 signed debit transacations - does anybody care to comment on the 'where you have to sign for debit transactions', as I'm a little unclear on where exactly those places would be. I'm sure I've signed before at places, I just can't recall any specifics at the moment - brain fog has rolled in. I'd appreciate your comments & suggestions.

Help please?

I Am Thankful...

November 26th, 2009 at 08:45 am



I am thankful for all of you here at the Saving Advice dot com bloggerdom! All through the year you inspire me and help me stay focused. I do appreciate all of you so much. The differing perspectives of each of you are such a help to everyone. Here's hoping you all have very nice holidays with your families. I wish you all plenty of enough and MORE! Safe travels too!

In your honor I'm donating $8.03 to my $20 Challenge. Here's hoping it keeps me off the dole in my old age!!

Can somebody pass the turkey please?


$20 CHALLENGE UPDATE

$012.60 Nov balance
+008.03 turkey donation
_______
$020.63 Nov MTD

2009 Challenge Total $1013.98
Cumulative Challenge Total $2067.74