Tuesday, January 10, 2017

The Snowstorm That Wasn't

Does this look like 10 inches to you?  Nope, me neither.  Oh lawd have mercy, the weather folks had this area all kinds of worked up for this huge storm that was going to arrive late last Friday night and into Saturday.  Grocery stores were at full capacity and then some.  Local governments along with schools were getting off early to avoid the impending doom that was about to arrive.  My workplace was even considering having some of us stay in hotel rooms starting on Friday night to make sure we would be here on Monday.  And no, I don't work in a hospital.  They just go coo coo for cocoa puffs around here any time the S word is mentioned.

I was a bit excited because we would have 2 days to enjoy before going back to work.  Nope.  It has been cold as blazes but that is about it.

We had a bit of cabin fever so we drove to get my husband's diabetes prescriptions.  Speaking of medications..................my prescription prices will be going up while his are going down, way down.  It was a surprise to see his diabetes RX was less than $2.00.  You could have knocked me over with a feather with that one.

So how has your last few days gone?

And...............here is something from last night!  So happy to see Clemson win it this year!

Go Tigers

Wednesday, January 4, 2017

Am I Prepared?

I've briefly touched on this subject before but thought since my part of NC is under a possible snow event in a few days, it would be great to revisit.

So..........am I a prepper?  No, not really.  At least in the doomsday prepper sense-no I am not.  I do prepare a little bit though.  I don't like to have less than half a tank of gas.  In fact I will be going to the gas station some time tomorrow to get this taken care of.  I like to keep my cell phone charge up at all times just in case.

We used to withdraw $100 in cash every pay period to keep on hand, again, just in case.  You never know when the power will go out and CASH will be KING.  We stopped this but today since I got off early for an appointment I went to the atm and withdrew $100.00.  I plan on continuing this practice.  Again, just in case.  I watched a youtube video just the other day.  It is a new to me youtuber and she was discussing scenerios about why her family preps.  One scene was getting a call in the middle of then night and being able to jump up and leave and not have to worry about gas or money.  This is what triggered the cash response in me again.

So............the s word causes problems here in the South.  Grocery stores will be crazy busy and usually we don't get anything near what is predicted.  In 2000 we got 2 feet of snow and that was wild and crazy and amazing.  I will admit to going to Kroger to get 1/2 gallon of milk today but hey, I didn't have any milk at all.  I picked up a few other items to stock my pantry.

So what do you do to prep?  Do you like the show Doomsday Preppers?

image:  freedompreppers.com

Monday, January 2, 2017

My First Empty Container of 2017

Ta da!!!!!!!  My first empty bottle of the year.  There are very facial cleansers that I can use.  Cetaphil is the one that I use the most.  It is very gentle.  It can be a tad bit heavy on my skin, especially in the hot southern summers we have here in North Carolina.  My dermatologist physical assistant recommended it to me.

There will be many more empty containers this year!

I've Had It With Clutter

Oh my goodness, I have had it.  I am so tired of opening a cabinet and something falls out or realizing you have multiples of the same thing because you didn't realize you had one to begin with.  THIS.IS.THE.YEAR.  I mean it.  I will have a busy year ya'll.  Going to build up the savings while paying down the car plus getting this home simplified and decluttered.

First off, I will getting many many books out of the house.  My husband takes a week off each January to do various things and this year, we will be cleaning out our 3rd bedroom.  This room could be classified as a national disaster area or perhaps Area 51.  You may enter but you might not ever be seen again.  So this room will be the first job and it will be a biggie.  It is full of junk. Well not exactly full but you know what I mean.  It's the room that you don't want anyone to see.

Another area I need to get under control is paper.  I love to print stuff off of the internet.  Old clothes will be another project.  My husband has a ton of clothes that for some reason he holds onto.  I, on the other hand, have a ton of purses that need to go to Goodwill or Salvation Army.

I'm not going to make any resolutions because I am bad at keeping them but this mess has to go, therefore this lifestyle change will happen.  Even if I don't want it to.

Lord knows, I may even turn into a minimalist.

Stranger things have happened ya'll.

Remember that saying, just say no to drugs.  Well this year my mojo will be just say no to clutter!

Saturday, December 31, 2016

Big News to End 2016

Drum roll please!!!!!  If you were to look at our bank website and log onto our account you would notice this:

image:  viewalongtheway.com

That's right.  Our mortgage is paid in FULL!!!!!!!!  We are on cloud nine about this.  I tell ya at the beginning of 2016 I thought about this bur really didn't think it would happen.   But it did and I couldn't be more happier.  We have one more debt and that is my car.  We owe $15,687.05 on that.  I've been making extra and additional payments on it and we are on course to pay this off 2 years early.  I really thought about putting pedal to the medal and pay it off in 2017 however I think it best to get our emergency fund to where it needs to be.

I just wanted to share this great news with ya'll!

Monday, December 26, 2016

How Was Your Christmas?

Well..........mine was great!  Really enjoyed it.  Having said that I've been thinking and tell me how you feel.

We spend a lot of time and for some money on a day because we want to show our love and appreciation to family and friends.  We want the perfect gift, the perfect home, the tasty food and guess what!  We do all of this planning and before you know it-it's over.  I mean, dang it's over. Seems like it would be a better trade if Christmas lasted for a week.  Am I the only one that is wondering about this?  Please don't misunderstand me.  I am not a humbug.  I am not anti Christmas.  I love Christmas.  I love Hallmark movies.  I love the music.  I love what it is really all about but I don't love what the season has turned in to the last few decades.

There is this huge buildup and then we go back to our regular lives.  I want to incorporate the spirit of Christmas more into my life so that I will be more giving and loving and merciful.  I am hoping that this will be the first day of that spirit in a yearlong project in my life.  How will I do this?  I have no idea.  None. Whatsover.  But I've got to do something.  Plus do it in a way that does not incur debt.

Now.........onto frugality and finances.  One more payment and the mortgage will be done.  Kaput!  I can't wait.  Lord have mercy, that may just be worthy of throwing party.  Not really but it could you know?  LOL  This is one step in pursuing the freedom I so want.  Then we have one more debt.  My car.  I want to pay it off early.  I'm not exactly sure how early or how to figure it out.  I've been throwing more money onto the payments in some months.  Making 2 payments in other months while keeping status quo in others.  I would like to continue with making 2 payments in a month however the husband wants to take 1 nice vacation every year and I start saving for that in January.  I usually save at least $1000-1200 for that.  Now we don't spend that much but I like to have that much saved.  He mentioned going to Gatlinburg  or the Smoky Mountains.  I wonder if they will be open for business since they had such devastating fires.  I would love a mountain vacation.  Somewhere like Colorado!!!!!!!!!!!!  I've seen photos and it looks gorgeous.  Plus it looks a lot cooler than North Carolina in the summer.  Yep.  We are already of thinking of vacation plans.

The next few weeks we will be going through boxes and drawers and closets to start cleaning this place up.  I am really excited that the husband was the one who brought this up.  I want so much gone from here.  Not a totally minimalist approach but somewhere in the middle.

So what you got going on after Christmas?

Friday, December 16, 2016

It's Almost the Weekend

What frugalicious plans do you have?  Me?  I HAVE to buy one more gift for a particular coffee lover in the fam.  So far I have not purchased a gift for the hubster because he says he needs new shoes and he has to try those on.  People, he has some of the widest feet I've ever seen.  He is a runner so he needs running shoes plus a pair of nice shoes to wear to work. Those two items will be quite pricey.

Then his cell phone is really acting up horribly so that may need to be replaced.  UGH!!!!!!!!!!!!  I know, first world problem.  We will see if it can be fixed.  Neither of us are handy at fixing things like that so we will have to ask the experts.

And we need to replace the new chair that we bought in May.  Can you believe it?  It is a swivel chair.  We've already replaced it once.  No, we are not hard on furniture.  In fact the guy who came to look at the second one said we keep great care of our furniture.  Since this is the second swivel chair in less than a year, we would like to get another type.  I hope that the store does not give us a hard time about this.  My husband is waiting for them to contact him about it.

It's getting quite cold here in the Old North State but it is supposed to be HOT on Sunday.  You never really know what is going to happen around here during Fall.