For You...

I hope you know how much I appreciate everything you do for us. What we have may not be all roses and butterflies.

What we have is forever.
What we have is real!

I love you.

Look what we did... 18 months EARLY!

Striving for Zero

Zero. Zilch. Nada. However you say it, that's what I am aiming for. NO DEBT! Some people think it's not possible. It IS, but I won't lie, it is not easy. Being debt-free means discipline. It doesn't mean doing without, just a more careful way to go about things.

Elvis and I have no credit cards. None. We do have a bank debit card with a Visa logo on it that can be used for purchases, but we have to have the money in the bank.

Q: Domestic Goddess, how do you go on vacation? Pay car repairs? How can you be credit card free??
A: Wait until we have saved up enough money and pay cash.

There are a lot of books available at your local library that will tell you how to dig yourself out of debt. Choose carefully, some are geared towards those with champagne tastes and caviar breath. I've never been fond of either - luckily.

Have an 'all hell broke loose' fund set aside for things that seem to happen in life - flat tires, busted pipes. The small things that catch us off guard, but not so small that you think ahead and have cash available to cover it. The popular line of thinking is that the emergency fund should be $1000. No, that won't cover every OOPS moment that can happen, but it sure can make a difference between sinking and swimming that month.

After you have the money set aside, hack away at your debt. People argue about balance vs. interest. I say balance first. Once you have a small debt paid off, a feeling of accomplishment comes over you, and it's one less creditor knocking down your door. Send in the minimum payments to the others and throw everything you have at the first in line.

For Elvis and I, it is our cars. In August of 2006 I bought a brand spanking new car. I made the minimum payments of 271.17 for about the first 36 months, give or take a few. We bumped that up to $400 a month to get it paid off a few months early.

I just sent in $2420 which leaves a balance of $352. I'll have that paid off this Friday -18 months early. I will do a small dance when I send the money over, but not as big of one had I actually thought about paying extra principals 3 years earlier.

How I wish that would be the end of our story. Alas it is not. In June of 2010 we bought a certified pre-owned car for Elvis. Minimum payments of  $217.57 and the current balance is $8768.04 *sigh*

The plan -- take the money I was sending in for my car and a wee bit more and put it towards his car. I am HOPING to have his car paid off by New Years Eve 2011 - 42 months early!!!

In the meantime, we still have $150 going to the other account every other week to work towards saving for 3 months of expenses... but, that's another story.

A Lil Something for ME!

I recently bought a necklace from Marko Creations. It is absolutely STUNNING. Don't take my word on it, look at it yourself!

From the first time I set my eyes on it, I knew it had to be mine. The picture does not show you 1/10th of it's true beauty.

The delivery was quick and I couldn't wait to wear it everywhere.

February is Fun...

At least that is what I keep telling myself as I am rocking side to side in a fetal position every time I hear the weather person say snow.

I haven't posted much because, quite honestly, there isn't a heck of a lot new in my universe. Still taking care of Shrugs 7 days a week, still getting Diva off to school 5 days a week and still being the Domestic Goddess I am suppose to be... just seems like one in a Twilight Zone episode.

Slacking off on the knitting. I am so disappointed in myself. Let's blame the snow for my lack of focus and energy. Speaking of snow... did you happen to glance at the picture? That's MY car. We had roughly 20" Tuesday-Wednesday. Over 60" in about a month.

Now do you understand why I turn in to a basket-case???

Trying to refocus myself. Time is running out... only 10 months until Yule!!!!

There is Something Special About Today

Can you guess? Yup, I successfully made it another rotation around the sun!

Today started out much like my other ones - me in a hospital. This year, I wasn't the patient though. Elvis woke up around midnight in a lot of pain. Tossed on my clothes and ushered in the anniversary of my uterine escape in a hard plastic chair of the ER for nearly 6 hours.

After all that fun, I crawled back in to bed until 8am. I jumped out of bed, back in to the clothes I just took off and headed over to Shrugs. I did my morning routine and Elvis made us all blueberry pancakes. Pancakes have become a tradition around here.

Lunch was served and off to the grocery store. I miss shopping for my own house. We are hardly here and it's the little things that I long for. Cooking dinner in my own kitchen, laundry in my own machines. Just being on my own routine. Soon... very soon (crosses fingers).

Elvis surprised me with a card, a gift and my favorite Chinese food. Yes, the outlaws threw me a surprise party at a Chinese restaurant Friday night, but it wasn't MY place. The sweet and sour chicken at the tiny little hole in the wall is the best!

I do have to say, I am so proud of Elvis and Diva. I told him I didn't want him spending a lot of money on a gift this year and Diva knew I wanted a tea set. I am not the Duchess of Someplace, I am me, but I have always wanted a tea set. Elvis bought me the cutest tea-for-one set.

My Frugal Finds

$1.99 each !!!

Like Sand Through the Hourglass...

What a month it's been and it's not quite over yet!

Shrugs slipped, broke his ankle and tore 2 ligaments. Translation: I've been at his house every single day since January 5th! Yes, I am tired. The weather hasn't helped either. Rain, shine or 12" of snow, I have to go over there to make sure he has his 3 squares and then some.

I finally have a routine set over there. My home routine on the other hand has been turned upside-down. Seriously counting the days until we go back to the hospital to find out if he needs to remain in the cast on February 16th.

I get to spend yet another birthday taking care of the ex (two years ago it was his shoulder, but he could at least WALK). Valentine's Day is another bonus. It's a good thing Shrugs and I get along so well.

Today I decided to finally get started on one of Diva's Yule gifts. A hoodie sweater. Mentally I am all over that thing, boxed and under the tree. Physically, I will be happy if I finish the sleeves. I think that's why I am starting with those first... as I told a friend, if I lose steam, they make cute leg-warmers!

Today's Adventure

This afternoon I bundled up, stepped outside and pointed my car in the direction of the local department store. I hate calling that little shopping area a mall since it's little more than 2 stores, a tobacco shop, dry cleaner, dollar store and grocery. A mall? Pfft!


I digress - The purpose of the shopping trip was to buy a vacuum sealer. There were three on the shelves, no, not just three brands, three sealers. One of each. They all looked the same, rectangle, white, stick the bag in and they suck the air out. They also ranged from $50 to $90. Great. 


Not wanting to ask "Which one sucks best for the money" I pushed my cart around the store. I was wanting to get a new storage bin for food storage. Window shopping was fun but, it was nothing compared to the glee I experienced when I stumbled on my secret little corner.


Technically, it wasn't a corner. It's not mine. Highly unlikely it's a secret because there was an announcement overhead that some things in that area was 75% off. Christmas has come early. Literally.


Sure, some of the things may be holiday related so don't tell the dirty dishes that the cloth cleaning it has a pointsetta on it! Actually, just about everything I purchased today will be put to immediate use.

All in all, for 28.34 (tax-included) I managed to get 4 rolls of general use wrapping paper (for birthdays), a pack of gift tags (Yule), an 18 gallon storage bin, a much needed large spatula, salt and pepper shaker set, 2 dish towels, 2 potholders, 4 place-mats (Yule), a linen tablecloth (Yule), 8 dishcloths, 2 fingertip towels, a 6-in-1 pocket tool (stocking), 1 t-shirt (gift) and 1 boxer (gift).


I still need to find a food sealer, but there is always tomorrow!

Ya Ya, What is Menu Planning?

Some of you may have heard of menu planning but don't quite understand what it is, how useful it can be or how it can save you money.

Menu planning is, planning your menu. Sounds simple? It can be.  Some people wait until they go shopping and set the menu, some shop according to the menu. Whatever you do, grab a piece of paper, your calendar or do it on your computer, but write it down!

Okay, but how do you DO it?

Go to your kitchen and take a look around. How long ago did you buy something you thought you would use but it’s sitting there collecting dust? What about the freezer? Is it full of things you can no longer identify or is it echo empty because you have no idea what you are making every day. Go ahead, look, I’ll wait.

Do you know what you are making for dinner tomorrow? What about the next day? If you do, jot it down. If you don’t, take a minute and think about what tasty morsel you can make with what you currently have on hand and then… you guessed it… write it down.

Before you go shopping again, think about what you can make for the week. How much will you need? If you are roasting a chicken on Sunday, you can squeeze a mid-week soup out of it. Making a meatloaf on Monday? How about pizza casserole on Wednesday? No, you don’t have to make every meal stretch in to two, but if you know you will make a meatloaf on Monday and burgers another day you can get more for your buck by getting it all at once (I will go over Once a Month shopping/prepping/cooking another time).

Planning out your menu means there is usually no food waste. Every bite of food that is tossed in the trash cost you money. If you are the type who enjoys tossing money, I will give you my address!

See, I told you meal planning can be simple.

How I Do It

In the beginning I used the everyday calendar but moved on to using an online calendar.  It was quick. It was easy. It was there! I wrote up the menu and then grabbed the things at the market for the week. I was finding it hard to stick to it because I would get to the store and find a good sale on something that wasn’t on the menu, or worse, overpay for something that was just because it was there.

Now, I shop first and plan around what I have. I buy my meats at a wholesale club. Pork chops can range from $2.49 to $4.50 a pound. Instead of getting several packages at that price, I have them cut a tenderloin piece in to ½ inch slices at the store and only pay $1.99 per pound.  Once I get home I bag them for the freezer and know instantly how many meals I can make of it. (The last one was $13.00 and will make 16 dinners for us.) I do the same with beef.  I have meals planned for 2 months at a time.

There are times I will need to buy things to supplement what I have because there are some things I won’t buy in bulk – milk, bread and fresh produce – but I know ahead of time how much I need because I have a written reminder of when I will need it.

The best investment I ever made was my planner. I not only write my meal plans in it, but I keep track of all the appointments, activities, bills and cleaning schedule in one place. Best of all, it’s Momma size! I carry it with me everywhere, yes,  it’s big, but I have a messenger bag purse so it fits nicely. I like it much better than the online calendar I was using. I can’t carry my laptop with me at all times and if the power goes out, I was lost!

Challenging Myself in 2011

I am not one to make resolutions. Personal experience has taught me I go hardcore for about 3 days... something happens on day 4. Day 5 is spent feeling guilty. Day 6 is usually when I decide I will try again. Day 7 is usually when I admit defeat and swear off making resolutions!

Since I am a Domestic Goddess, it was time to take a personal inventory and decide what I want to accomplish this year.

Maybe misery loves company but I would like to think that there is safety in numbers. I joined a few online challenges in hopes accountability keeps me plugging along.

Clean and Organized Home Challenge - There are 12 months to a year. We live in a cozy 800 square foot condo. Time to sort through the piles of life and let the not-so-important things go. 2011 is going to be filled with love, not junk!

Change Jar Challenge - See a penny, pick it up! That not so shiny sucker is worth something. The Laundry Gods demand quarter sacrifices, all others go in the jar.

Emergency Fund Challenge - Having an emergency is stressful. Knowing you have some money tucked away keeps you from going bald.

Tah-tah 2010

Where does the time go? The decorations have been carefully returned to their boxes for the year and preparations to welcome 2011 have begun.

So much to do - shopping, cleaning, laundry, cooking, decorating. The menu for our little New Years Eve party has been set and I plan on going to BJ's in the morning and spend Thursday night getting ready for the all-day Friday celebration.

It's Purple !!!

Elvis and I put our minds together and decided ahead of time, whatever money we get for the holidays will be used to purchase a much needed vacuum. Not fun, I know. I think Shrugs mentioned something to the Outlaws about my needing one because at Christmas dinner we were gifted with a gift card. I did a little dance and sang my thanks. They looked at me like I had 3 heads. Obviously, they never had to sweep a tan Berber rug in winter!

I knew exactly what I was looking for. Bag-less, upright, additional pieces. I finally found what I wanted and I will be fighting Elvis over who gets to use it first - yes, really!

Our little New Years Eve starts off with Diva, Elvis and I having a silver dollar pancake party - banana, chocolate chip or blueberry. I'm not sure which one I want, I may just have to have one of each. Lunch will just be sandwiches. No one is about to starve with all the food I will be serving later. 

Around 6, Shrugs will join us for games, movies and the food parade. It may look like I plan on feeding everyone in the building, but I am not making a ton of each offering. Most of the food will be homemade and using things I already have in the house. Anything I have to purchase will have enough left overs for freezing for another time.

This years food choices -
king crab legs with butter sauce
cheese tray with crackers, grapes and pepperoni
chips and salsa
sweet and spicy crock-pot meatballs (hm)
chicken and turkey bacon (hm)
scallops and bacon
pizza rolls
crab puffs (hm)
fried ravioli (hm)
mini quiche Lorraine (hm)
Spanokopita (hm)
vanilla ice cream with pecan praline sauce (hm)
sparkling grape juice

This is the last post of 2010. Have a wonderful and SAFE remainder of the year and see you all in 2011!

Saying Good-bye to a Well Lived Year

I would like to start off by saying thank you to those of you who have taken the time out of your busy schedules to read my blog. Life has a way of running us in directions we never considered.

Things I am happy about 2010: Diva is finding her 'self' and developing in to a wonderful and fascinating 'tween. Elvis being gainfully employed and setting out to every work day knowing that while it may be sweltering or bitter cold 60' up in the air, he will eventually come back down, he will be paid, the lights will stay on and his family will be all the better for it.

We are now just days away from tossing out the old calendar and replacing it with a crisp clean 2011 version. The calendar is not the only thing I hope and plan on changing in the near future. I have always been 2 steps behind the chaos. I would LOVE to wake up one day and everything be in it's place, the clutter gone, have a full pantry and an empty sink. The condo is about to get a complete overhaul. There is too much. Too much to do. Too much to clean. TOO MUCH CLUTTER IN OUR LIVES! We do not -need- most of the things we have and having it prevents us from reaching a point of happiness. I -do- have a cleaning schedule worked out for the next year... wish me luck!

November?

I am not sure what happened between the last post and now. Most of it seems a blur of cooking, cleaning, knitting, teacher meetings, school runs and preparing for the upcoming holidays. I vaguely remember something about leaves turning and falling, rain, pumpkins, candy.... oh and a wedding!

No, I didn't run off and get married. I was asked to perform a wedding on Halloween. It was fun. The couple dressed like vampires and the guests wore costumes. I wore a black gown with a hooded cape. It was a small, at home family event, but I have never seen two happier people. I wish them all the luck and love in the world. Congrats!

Today I have been going over the shopping list for the week and the Thanksgiving dinner menu. We're going small this year. For the first time in known memory - Diva, Elvis and I will be home. Yes! Elvis isn't working... he won't be working Christmas Eve, Christmas Day, New Years Eve or New Years Day. I say this because they happen on his day off. I am hoping the people who are scheduled don't pull a disappearing act forcing him to cover for them.

I will update more soon, I wanted to prove I haven't kicked any rusty buckets. Back to knitting slippers for Diva. Winter has come early around here.

Ohhh... a RAOK.. for... for.... ME !!!!!!!!

A while back I had put my name on a list to give a RAOK (random act of kindness). Imagine my surprise when Diva came in with the mail and there was an envelope... for me!

They Say a Picture is Worth 1000 Words

... so this post is worth 2000.

Isn't it beautiful???? 

Why Is It Called a Skirt Anyways?

Ain't it purdy?

We have a 3' white holiday tree. Yes, seriously.
We once had the 7' big-o-tree, but one year after Thanksgiving dinner we went to the attic and found out that someone had stolen ALL my holiday things.

That is the downside to living in a condo complex, the shared attic space. We each have our own locked 'storage coop' but it wasn't built so much to keep people out as it was to keep the junk in.

So, there we were... Thanksgiving night. Treeless. The family tradition of gathering all the ornaments, checking the lights and setting up the tree - over.

We didn't want to spend $100+ to replace the tree, since we were afraid it would get stolen AGAIN... so, we bought a tiny tree that we can keep stored in a tote in the bottom of my hall closet. When we got home we discovered that our new tiny evergreen was white! *LOL*

It doesn't look like much right now, but after we string the lights, place the ornaments, lay the garland, place the skirt - it's beautiful!

Speaking of skirts, I made a new one for the tree this year. The old skirt was for the big tree. Glittery, purple, and bigger than our poor little much loved tree.

Click for Pattern

She'll Scream For Ice Cream !

part of ice cream kit for Diva

I think this is the cutest thing! It doesn't make a lot at one time, but Diva rarely eats more than 1/4 of a cup anyways.


Another Yule gift off the list. Yes, I was aiming for a homemade holiday, but this is the first year Santa won't be bringing his gift. Technically, it is still homemade because I am making an entire Ice Cream Kit with it. I bought the ice cream maker at one store and the bowl at another. I will add a container of chocolate milk powder, jimmies and mint extract so she can make her much loved mint chocolate. I am thinking about making an ice cream designed napkin to go with it. Oh to be a kid again. 

Best of all, I got everything at 75% off. The maker was $9.99 (paid $2.49) and the bowl was $2.00 (paid .50)

2 down, a million to go...

I finished a hat and scarf for Diva!