April 8, 2019
When we brought Sera home last year, I ran the numbers on what having two pets was costing us. It didn’t seem excessive but it’s also not cheap! A friend asked me for help with budgeting for a pet so I thought it’d be good to dust off my records and figure out what we’re paying now.
SEAMUS – April 2018
Daily costs:
$1.71, dog food. ($72 for 6 weeks of food)
$0.50, carrots,
$0.70 of sardines,
$3.30, bully stick,
$0.24, routine prescription meds,
$0.24, vitamins,
$0.40, glucosamine
$0.06, Benadryl
$7.15 a day, or $2609.75 annually.
$12/bath, 6 times a year, $72 annually.
Budgeted $1200 annually for veterinary care.
Total expected costs: $3881.75
SERA – April 2018
$1.71, dog food.
$0.70 of sardines,
$3.30, bully stick,
$0.24, vitamins
$5.95 a day, or $2171.75 annually.
$12/bath, 6 times a year, $72 annually.
Also budgeted: $800/year for veterinary care.
Total expected costs: $3043.75
Both dogs: $6925.50 (more…)
April 3, 2019
We’re developing a steady rhythm of moving things out of the house even as we add things that we need and use. I’m looking at a steady state that should trend lower over time.
This almost cleansing ritual is at odds with my borderline hoarder nature that wants, nay craves, the security of having everything I might need ready to hand. I hate having to buy things when they’re not on sale. But the purging is necessary.
Without this outflow, I’d feel stifled and overwhelmed by STUFF. I hate that feeling. I want to have stuff, I don’t want it to have me. I want to have our own purely practical Warehouse 13, but not live in it. I’m not sure that compromise is possible but nevertheless, I persevere.
Less stuff, more stuff, just the right amount of stuff: a lesson in mindfulness
Some things have to be pruned daily or they multiply LIKE TRIBBLES:
- Junk mail
- ALL of JB’s art which is sometimes represented by scribbles on 39284829 sheets of paper, a wad of paper taped up 17 different ways, or a stack of papers stapled together. If the latter, I secretly unstaple them and stash them in a bin of art supplies so ze can reuse the other side.
- Anything that’s been in the trunk of the car for five years but hasn’t been used (except the emergency gear).
We bid farewell to:
- A broken coffeemaker that’s been taking up room in the garage – with grateful thanks to our local disposal company
- 6 of 12 pairs of trouser socks. Haven’t worn them in 6 years, probably safe to assume I won’t in the next 6.
- We rarely get takeout for a lot of reasons but I especially like to see how long we can go without adding to our plastic takeout containers stash – we are down to an all time low of only 4 sets! They were used mercilessly, then sent home with potluck dinner guests filled with delicious leftovers.
- We use our clothes the same way we duel: to the death! Often, the things we’re ready to give up aren’t in any shape to be sold or donated. Any clothes still in good condition go into my Sale Bin in hopes of finding them a good home. About 15 lbs of clothes have languished in there for a year, it was time for them to move on.
Areas of concern
- We definitely have enough tote bags but I struggle heartily with not adding more to our collection. I can resist a great tote bag about as well as I resist street tacos. (Hardly ever and with bad grace.) I love the feel of sturdy canvas, the clever art, the easy breezy “shovel all the gear into the tote and go”-ness of a great oversized tote. The non-preciousness wherein you can sling it any old where, because it’s sturdy canvas, so no worries about scuffing. I resonate with a great tote bag.
With all this going on, it seems counter-intuitive to be adding things to the home, doesn’t it? But we have and it’s eased our day to day lives too. We’ve added:
- A good quality garden shovel.
- A pair of tough gardening gloves that actually fit my hands. Begone, ye thorns!
- An extra set of sheets – I don’t have to strip the beds, do all the wash, and remake the beds all in one marathon day! I can rotate our extra set in and take my time. It’s amazing.
- Three bowls and platters for dinner service. We’ve squished many a dinner into 2 solitary 1-quart casserole dishes for quite a lot of guests. It’s ok to make serving up meals a little easier. This is also a sideways investment in social capital. We are starting new traditions in the area with local friends, trying to build community, and one of them is having select groups of people over for dinner. By “tradition” I mean, we’ve done this once before and by golly we will try again. We might even host as many as TWO dinners this year! But even if we don’t, we have house guests every month so these items won’t be mothballed during the year.
- That new Pyrex set – I’m over the moon about it! It makes me feel warm and fuzzy and like an adult. We’ve had a longstanding need for more containers with lids that can serve many purposes, and these are just the ticket: oven safe, freezer safe, microwave safe, dishwasher safe. Now that my hands are less painful, I can actually use the heavy duty Pyrex instead of relying on flimsy plastic containers that aren’t oven safe and having to dirty an extra dish. I actually picked up two sets and I serve our dinners in them so that after meal cleanup is as simple as popping a lid on. It’s fabulous.
PiC continues to be our Craigslist selling whiz as well as the secondhand gear guy. I buy new but search every nook and cranny for bargains, sales, and savings. We try to be extra conscious of not resorting to the reflex to buy something to fill a need until we’ve considered all possible alternatives first.
:: What have you been buying, selling, keeping, or getting rid of? Are you happy with the amount of stuff in your home?
March 25, 2019
New cards since March 2018
Quick notes:
- I had my sights set on some kind of an international trip next year, possibly Japan, but that will only happen if a very close friend can dogsit because Seamus is showing his age this year and it’s tugging our heartstrings. Otherwise we’d like to stay close to home with him.
- For the purposes of figuring out whether we’ve wasted money on a card or not, I’m estimating the total value of our miles or points for each card to make sure that we are earning at least our minimum profit per churned card but we won’t know the true value until we actually redeem them.
- We haven’t been respecting the “no annual fee” rule for the past several cards as long as the miles or points bonuses were at least worth twice as much as the annual fee, preferably 3-4x as much.
- We ALWAYS pay the card balances in full. No exceptions.
- We time our churning activity with necessary spending. We never manufacture unnecessary spending for a card bonus. I keep a spreadsheet to track expected large expenses for this and generally plot out a bevy of expenses with pen and paper before I commit to a new card.
Current totals
AlaskaAir (miles valued at 1.3 cents): 204,001.
Chase Ultimate rewards: 308,930
Starpoints: 161,620
Citi Premier Thank You, his
Cost: $0
Bonus: 50,000 points (value $500)
Profit: $500
Status: Active, cancel before June 1 2019
Worth it? Yes, this was pure profit.
Chase Sapphire Reserve, hers
I took care of the travel credit in December, ahead of schedule I thought, BUT they didn’t credit it properly so it was just a “$300 purchase.” I followed up on that once early in January and was told that I had to call back after my statement closed. Then I called at the end of January, and the request had to be escalated to marketing, which should have been done the first time I called. What a pain. My annual fee was due to hit on February 1st but this solidified my intent to cancel once I get that fixed. What kind of lazy customer service makes you call twice when they could have submitted the request in the first call?
Alaska Air, his second of 2018
Cost: $75
Bonus: 30,000 miles (value $390) + 1406 miles (value $18)
Free Companion + taxes fare offer good 2019: $479
Profit: $812
Status: Active, cancel before January 1, 2019
Worth it? Yes.
Alaska Air, his first of 2019
Cost: $75
Bonus: 30,000 miles (value $390) + $100 statement credit after first $1000 spend in 90 days
Free Companion + taxes fare offer good until 2020
Free checked bags: $?
Profit: TBD, $415 so far
Status: Active, cancel before January 1, 2019
Worth it? The extra statement credit made this a no cost to us churn, we’ll have to see what the total profit is.
***
Keepers
We’re keeping our Chase Sapphire Reserve for one more year because I blew the timing of the cancellation.
We still have our Starwood AMEX (RIP) because I absolutely love the American Express customer service but I have no love for what the Bonvoy program brings. I need to make a decision on this.
We still have our Costco Citi card which pays for itself in the Executive Rewards but sometimes only just.
Cards to be cancelled
We will bid farewell to at least one of the Alaska Air cards before the year is up and gets charged another annual fee.
The Citi Premier we’ll keep for a few more months in case it comes in useful but it’s not at the top of my use-list.
:: What cards are you using and/or keeping at this time?
March 11, 2019
I’ve been impatient and grouchy.
Reading Work Optional brought me back down to earth a bit. I should be grateful for being where we are today, after so many years of work and saving and fighting.
Truly, I am! I’m ever so grateful for the opportunities we’ve had, for the fruit our hard work has borne, for our little family, for our wide network of loved ones. For the useful things we have, like running water and plumbing, for a sound roof over our head, for a furnace. For the pain relief that my diet has brought me so that I can actually move day in and day out without more than a trace of a limp or a cacophony of crackling when I actually bend my joints. We even tackled the garden as a family over the weekend and may I say, we ripped out an impressive amount of weeds and weed roots. There’s enough blessing and joy to fill a week of gratitude journals. So … whence the crabapple attitude?
It finally struck me on a drive home. It’s the number. The number that’s lingered in the back of my psyche for these past several years like a whisper you can’t quite hear. (I didn’t try to hear it, naturally, I’m really good at blocking out subtle noises to concentrate.)
Mom got sick when she was in her 40s. She had several chronic problems, including dementia which is incredibly hard to handle on every level. We struggled to get diagnoses and/or treatment but nothing was terminal. (Feels familiar.) Then at 55, she died of sudden cardiac arrest.
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February 25, 2019
When I was 7, my parents took all of our money, my life savings from New Year gift packets included, and sank it all into Dad’s business venture. I would call it “theirs” but we all know it was Dad’s brainstorm and his thing. Though I had no use for the money other than buying postage stamps, I was still sad about losing my stash. Even then, I was a saver (*cough* money hoarder). Though, I could have blown the whole thing on books if I’d known how to get myself to a bookstore. I figured out how to take the dog to the vet for shots when I was a preteen, I think the bookstore mystery would have been solved in a jiffy with money in hand.
Once in a while I idly wonder how much I’d have today if my savings had been invested back in 1980-something. It was probably somewhere in the neighborhood of $2000 or $3000 by the time I was seven. Our family tradition tends to gift young kids a lot of cash in your earliest years when you have the least use for it. It’s confusing but a proper steward of that money could have made a real difference with that money.
In any case, that money went to funding a business venture that supported our household for almost ten years and then it all disappeared. The money going away as easily as it did impressed on me the importance of saving relentlessly. That and my health problems.
Today, we make good money. We also live in one of the highest COLAs. Go us. *snort* It wasn’t intentional but it is what happened. (more…)
February 18, 2019
How would you spend…
The dogs and I were walking enjoying a rare spot of sunshine while my mind wandered over to J. Money’s post on what you’d do with a windfall of $50,000. He reminded us of a movie I hadn’t seen before, Brewster’s Millions, where the main character had to spend $30M in 30 days and wasn’t allowed to buy anything that was an asset that could be sold later.
I could do that easily! I have these daydreams a lot about random things I care about.
This time, I started thinking of what I’d do with free millions. The answer: outfit rural libraries!
Coordinate with the librarian of a rural area like one that my friend Andrea lives in to gather the reading wish lists of everyone in the county.
Buy
– $1M worth of physical and ebooks,
– $0.5M in electronic equipment: computers for the library itself, e-readers and laptops for checkout.
– 3 electric vans
– A lot of comfortable chairs for reading in at the library.
Hire three drivers (paying a real living wage) to drive those vans as mobile libraries, delivering and picking up books for kids, people who aren’t mobile, or can’t get to the library for any reason. Ensure the librarian is paid a living wage and that the place is adequately staffed with people to service the mobile libraries. Network all the rural libraries together for an interlibrary loan system.
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February 11, 2019
Two pairs of leggings, four dresses with pockets, a new rug, two serving bowls, a toilet brush, coffee filters and a platter, a set of glass bakeware with lids. A tablecloth and garden shovel. What’s the theme here?
Let’s see… I bought all but one of them using gift cards. They are useful. We’ve needed most or all of them for months and we’ve been making do without. We now need to declutter 15 MORE things to justify adding so many things to our cabinets and closets. All true.
The biggest thing they have in common: They don’t erase that lingering uneasy feeling about how we’re going to weather the next recession and what further job cuts at our jobs may do to our nascent retirement plans.
Discussing my post and this barely contained feeling of discomfort last week on Twitter with Mr. SSC, he pointed out: one has to have a plan but also have faith that it’ll change, so embrace flexibility. Yeeeeees, but that requires a bendiness of mentality and I’m not yet that evolved.
In part, the crux of this being ill-at-ease is my own fault, not the recession’s. Not that the recession isn’t a big thing, it is, but the bigger problem is we have a couple huge life decisions we can’t seem to get a grip on. They’d likely have an equally, or more, enormous impact on our lives as the recession or a job loss or change in careers. Our waffling is doing neither of us any good but I’m not ready to get into it because I can’t make out head or tails of how I really feel about it. My inner turmoil on those points remains a roiling mass of fog.
Mr. SSC also shared that he’s a stress shopper and boy howdy do I empathize. I’ve been scrolling Amazon deals in a badly concealed panicked state, on a quest to get everything we need for emergencies as if that’ll solve the massive problem of not knowing the shape of the next five years. Thankfully my personal money history means that I’m just wildly window shopping with abandon, but not buying anything. Good habits FTW?
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