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Obamacare and real estate taxes

July 10th, 2012 at 03:29 pm

I'm not posting this to bash or praise the president or any party...I was just surprised to find this real estate tax as part of the Obamacare.

It seems that if a couple has an adjust gross income of $250K or more, come January 1, 2013, any home they sell, they may be subject to a 3.8% income tax.

http://www.realtor.org/small_business_health_coverage.nsf/docfiles/government_affairs_invest_inc_tax_broch.pdf/$FILE/government_affairs_invest_inc_tax_broch.pdf

I guess I shouldn't be surprised about all the stuff they stick into bills as they try to pass them into laws, but I guess house sales and health care seem to be a bit distant. Guess not.

Anyway, just an FYI. We aren't close to the $250K adjusted income and we aren't planning on selling our home so it probably won't effect us. I do think I need to read what else is in this new law...in case something else effects us.

Gas Prices in our Town

July 9th, 2012 at 03:08 pm

Gas prices in our town went up twice last week...to $3.55 by Saturday. We felt it was weird since the price of oil had gone down by the end of the week.

Saturday night we drove to a smaller town north of us -- less than 30 minutes away -- to eat out with another couple. Amazing, the gas prices were lower -- $3.29.

One would think the gas station owners are in a conspiracy in our city...especially since the two larger cities, one east and one west, either around 45 minutes away, are both cheaper. I realize we aren't in Chicago or on the coasts, but trying to figure out the rationale for higher prices is beyond me.

What are gas prices in your neck of the woods?

Stocking Up

July 7th, 2012 at 02:34 pm

I live in Central Illinois. If you do not live in the Midwest and haven't watched the news, we are in drought conditions. Last night they said 56% of the country is in drought.

The corn fields around here are pitiful. It has tassled and we have had no rain. The leaves have curled and many plants are stunted in growth.

No, I'm not a farmer...I'm telling you this to tell you the next part.

I'm stocking up. We went to Aldi yesterday and I bought some bottles of oil, and some extra crackers, flour, and sugar. I predict grocery prices are going to skyrocket because of the corn crop. Today I'm buying corn meal to put in the freezer. The sugar and flour went into the freezer as well. I might even buy a little more beef to put in the freezer, but it doesn't keep THAT long.

The reason I bought some of these items...well here is my reasoning. Sugar -- I believe the price of sugar will go up because many things are made from high fructose corn syrup. When there isn't as much corn to make this corn syrup, sugar will be used and the demand will increase.

Flour -- people will start using flour in place of corn products.

Oil -- a lot of vegetable oils are made from corn and the lack of corn...well you get the picture.

As for beef, well, the price will probably go up because the price of corn will go up to feed those cattle.

Also on the national news was with the extreme heat, cows aren't giving as much milk...I wonder if we will see an increase in dairy products as well.

My pantry isn't bulging by any means, but I thought I'd pick up a few extra things to ofset major jumps in the coming weeks.

Feeling Guilty

July 6th, 2012 at 01:16 pm

I'm going to 'fess up here...I feel guilty spending money on luxuries. I like a bargain, but I like nice things as well.

DH is retired. We are blessed he has a nice pension and Social Security. I work full time and have a good job and benefits.

We just returned from an 8 day trip to Philadelphia, New York, Boston, and Niagara Falls. It was with a church group on a bus. Our hotels and tours were paid for, as well as some of the meals. We had saved the money and paid cash for everything except for one expenditure of $20. We had cash left over from the trip and put it back in the bank. DH bought a tie in Boston -- hence the $20 charge because they were closing down the register and didn't want cash. He bought 3 ties for $10 in NYC. I bought 4 packages of tea in Boston as a souvenir for friends (read less than $10) and postcards in each major city. We had a nice time and I'm glad we don't owe any money other than the $20.

Once a month we have massages. I rationalize them that they seem to help my arthritis. I don't see a chiropractor, but I do know I feel a lot better after. DH says the same thing. It is paid in cash each month.

I spend money on fruits and vegetables when I grocery shop. Very little ever goes to waste because we eat at home quite a bit. I try to hit bargains on other things.

I collect Blue Willow dishes. I did buy a couple of items and put them on the credit card, but I pay the credit card off every month.

Sometimes I look at the money we spend and feel guilty. I don't need Blue Willow dishes. I'm sure I could make it without the massages. As for the trip, life would go on without it. I validate the buying of fresh fruits and vegetables because I think it keeps me healthy. I only missed work this year because I had food poisoning, not from my food.

We have friends who constantly spend on things. They tell us they deserve these things. He draws a larger pension than DH. His home is not paid for. For years, when he worked, he made far more money than DH and I did put together. He bought a bigger house, a fancier car, and more things. His home is filled with them. He bought fancy jewelry for his wife. And the quest continues for buying more, more, more.

A few years ago we paid off our home. It was a goal that we had -- we intended to pay off the house before DH retired. His mom died and with the selling of her property (shared with his brother) we paid off the remainder of our home. We then used the money we didn't need for the house payment to pay off a vehicle. So, we didn't owe much money and started saving money. Then we could take a big trip like we did this year.

I cut corners whenever I can. I use coupons on the things we would normally buy; I make a lot of things from scratch. We buy used whenever we can. We pay cash for everyday items so we aren't tempted to overspend. If I do use the credit card, it is paid off as soon as the bill comes.

I still feel guilty when we do spend money, but I guess it could be called a guilty pleasure. Perhaps saving up for things is one of the reasons we save...but sometimes it is difficult to spend that hard earned money!

Walks

July 5th, 2012 at 03:01 pm

As a part of trying to stay healthy, DH and I have been going for morning walks. We enjoy the time together and feel it also helps our physical health as well as mental health to keep moving.

We walk around our neighborhood. It seems scary to see so many houses up for sale. I guess there have always been homes for sale, but usually not two on the same court at the same time.

In another thought, I get frustrated when I see folks not thinking of those who walk. One house always has cars sitting over the sidewalk. It's one thing if they have it because of doing something and move it by the next day, but these vehicles always stick out and it means walking in the street. One clown has this huge travel trailer that sticks out over the sidewalk and the hitch thing is rusted. I always worry I'm going to run into it and scratch myself.

A couple of weeks ago we were walking and a bull dog ran out of nowhere and started barking and snapping at us. We think it belongs to one of the folks who usually has cars sitting and blocking the driveway...we think the owner of both of these is a cop. Guess that speaks volumes, doesn't it? Fortunately a neighbor saw the dog and called it off of us, but I was truly frightened he would bite...he was barking so hard he was foaming at the mouth. He was a large bulldog and could have done severe damage.

There are some homes where the trees and bushes hang out over the sidewalk and snag as you walk. I know lots of people like yucca plants, but when it snags your clothes as you walk by on the sidewalk, it needs to be tied up or trimmed.

Although I'm grousing, I admit I enjoy the walks. I like seeing what folks are doing too. One house is getting a new roof today. We have had horrible heat the past few days and they were out early. I don't envy the roofers their job with this heat, but I'm glad the folks are getting a new roof.

I also like seeing what people have planted for their landscaping. Some folks really love to have flowers. We have seen quite a few tomato plants as folks strive to get that homegrown taste.

One thing I really like is as we walk, most folks wave as they drive by or speak if they walk by. It gives us a sense of community.

Buying Love

July 3rd, 2012 at 02:41 pm

An aquaintance of ours has grandchildren. He appears to care for them, but every conversation he has about them, usually contains what major purchase he made for them or with them.

I don't mean to sound cheap, and I enjoy being generous with those I love as well. But I don't purchase stuff for folks for each time I see them, even if I see them a couple or three times in a week.

This person loves to shop and I think part of this scenario is the pleasure of shopping. But, I also think there is a competition there between the other grandparents...this person wants to be thought of as the generous one. Believe me, these grandchildren are not poor and are not doing without -- the parents have good jobs and take good care of their offspring.

I reflected the other day about my grandmother. She was kind to me and she often bought me gifts for Christmas and birthday. But, she didn't have the money to constantly purchase gifts. I didn't feel like I was unloved by any means. She gave me something else -- her time and attention.

In a way, I sort of feel sorry for this person because he must feel he has to buy his grandchildren's affection. The sad part, he can't afford all this spending.

Heroes

July 1st, 2012 at 07:17 pm

We just returned from a vacation. It was a bus tour with a group from a church...the gal who organized it all is the youth director. It was a fabulous trip and we had a nice time.

She gave us a heads up almost 9 months ago...we figured she had something planned and had been saving for over a year...so, other than the $20 we charged for something, every single thing has been paid for as far as the trip. Our bus, hotels, and a few meals were part of the "package" and the rest was paid in cash that we had saved.

We visited Philadelphia, New York City, Boston, and Niagara Falls. We saw places where we started our country over 200 years ago. We also visited two memorials of tragedies that happened over 11 years ago.

Flight 93 Memorial

We saw the Flight 93 Memorial in Shanksville, PA, and the 9/11 Memorial in NYC. Both were sobering to think these innocents got up and went to work like normal and didn't return.

9/11 Memorial -- NYC

As we get close to celebrating our nation's birthday this Wednesday, let's remember all the heroes, sung and unsung.

Lemonade anyone?

June 17th, 2012 at 07:01 pm

In the Midwest, we had an early spring or should I say summer with high 80s in March.

One thing hubby likes is lemonade when it is hot. I don't mind making it and I'm amazed that some think it is a lot of work. I guess if I were making gallons at a time, it might be, but to make a pitcher of it ever couple of days isn't that big a hassle. And finding lemons on sale is a bonus!

I don't have fancy equipment. I bought this little squeezer a couple of years ago for $1 and it is handy because it fits right over the pitcher.






Lemonade:

4 small lemons or two medium to large lemons, squeezed. I roll them on the counter a bit to try and get as much juice. I also wash them before I cut into them.

1/4 to 1/2 cup sugar (depending on tartness of lemons)

4 cups of water

Stir and serve chilled.

DH loves it!

Twenty Two Years Ago

June 15th, 2012 at 03:35 pm

It was on a hot Friday,June 15th evening 22 years ago DH and I said, "I do." And we did!

Today is our anniversary. We married on a Friday night because it was more convenient, and very reasonable.

We decided that instead of paying for a lavish wedding, we would go on a nice honeymoon and have money for a downpayment on a house.

We wore clothing that we we already had. We married in DH's mom's backyard under gigantic oak trees, and then had a small cake and punch reception at a small community center. We stayed the night in the house we had purchased -- our first night together because we had not moved into together prior to the wedding.

Do I regret not having the white dress and large wedding? Not really. The people who mattered the most came to the reception -- the wedding was just immediate family. I think most girls dream of the lovely dress and fancy stuff, but in the greater scheme of things, I preferred spending money on paint and curtains. Those things I saw every day.

I asked DH if he would do it all over again and he said, "Yes!"

Gift giving and buying "used"

June 14th, 2012 at 03:57 pm

When I was a kid, there wasn't a lot of money for new things. I kind of resented it because I didn't understand that there just wasn't the extra. But, my folks were smart...they bought second hand to save money and usually "traded up" when given a chance. Besides my dad working for a soda pop plant, they ran a used furniture store. I remember going to auctions, sales, etc.

Fast forward a couple of decades and here I am scouting flea markets, second hand places, and garage sales. I've found some good bargains too. I feel that not only am I saving money, I'm also "recycling" things by giving them a new home.

One friend of mine loves the same things and since we both collect a certain type of dishes, we are always on the look out for the other's pattern. Neither of us minds that is has been used.

Recently I've found some like new things and I'm tempted to purchase them for gifts. I guess I don't get the idea of someone thinking they are too good for used things. I'm not talking about abused or chipped stuff. I'd rather have a really nice dish that had been enjoyed before than a piece of junk purchased new.

So, what's the opinion of the SA folks? Is it OK to buy a like new item to gift?

Pantry Popurri

June 12th, 2012 at 08:34 pm

Our pantry and freezer appear to be pretty full. I thought I would try to start using some of the stuff in both before going back to the store.

I used the last of the potatoes last night for mashed potatoes. I have kept leftover potatoes -- mashed and roasted-- so I thought I'd make potato soup for some lunches. I diced onion and celery and cooked them down in some olive oil. I then added some broth and then the leftover potatoes. When the mashed potatoes dissolved making the broth thicken, I then added about a cup of milk and heated it. Since all the potatoes were already cooked, I didn't have to simmer. This morning in another pot I made a small white sauce of butter and flower in another pot, added the potato soup and it thickened. It was pretty good for lunch with a sandwich and we have enough for another lunch too.

Before I made the soup, I used some of the roasted potatoes cup up in a frittata with eggs, cheese, and some other leftover cut up vegetables. It was a pretty good supper too.

Tonight's supper is using chicken that was in the freezer for oven fried chicken, cornbread, and rice, with a salad.

Fortunately I keep a well stocked pantry or some of our meals could be inventive, but it is always nice using what we have that I probably bought on sale.

I love healthy, frugal eating!

New Coffee Commercial

June 11th, 2012 at 02:12 pm

Have you seen the new Maxwell House commercial where the main character is holding a glass mug and gives it to someone to replace a paper cup and says something along the lines of we are fully capable of brewing our own coffee at home?

Way to go, Maxwell House!

I take coffee with me when I go to work in a Thermos. At home, I fix it so I can enjoy it.

A gal I work with was bringing her coffee with her, purchased at the local gas station. She told me it was only 99 cents. I asked her how often she buys it and she says every day. She then moaned about how tight things could be on certain weeks. I mentioned that if she buys coffee 5 times a week that is a least $5 a week and $20 a month. I think the coffee is 99 cents and then tax so it is probably over a dollar. I try to snag my coffee on sale and I bet I don't spend $20 a month on coffee. And I brew it at least 6 times a week.

They don't call it the latte factor for nothing!

Home Improvement Expenses

June 7th, 2012 at 09:51 pm

Ever since I've been out of school for summer break, I've been trying to get some projects taken care of. Last week I cleaned the garage. I decided it was time to replace the miniblinds that came with the house when we bought it 14 years ago. For the past 14 years, I've washed and scrubbed them when I cleaned the garage, but they are so soiled, they looked bad. So, I thought I'd splurge and replace them.

I haven't purchased blinds for awhile and I can say I had sticker shock, even for the cheaper ones. I didn't want fancy ones, just basic blinds.

After visiting two home improvement places, I bought two blinds (one store didn't have the size I needed), a quart of exterior white paint, a pint of interior white paint, a brush, a furnace filter, a can of Pledge, and 4 caps for wheels for a wagon. We spent nearly $60 on this and I can say I was shocked. These are just little projects and $60 in less than 30 minutes! Ouch!

I painted the trim on the garage door and the regular door to the garage, and hung up the blinds. So, two more projects are completed. Last summer when I painted the trim, I used the paint I had bought about 12 years ago, but alas, the paint came to an end last year. I figure doing a little trim paint here and there not only freshens up the trim, it also protects the wood from the elements.

The caps are for the wagon I painted. Years ago my mom gave my husband a wagon to haul stuff around the yard. It has sat in the weather for these years and it was pretty ratty looking. I took a steel brush and tried to get the peeling paint and rust off of it and then I painted it with some paint I had purchased previously. It looks better, but it will never look showroom new...it is starting to rust out in spots, but I figure anything is better than having it look so bad.

I think I know why folks put off projects...not only because of the work, but also because of the expense. I realize this isn't a huge amount of money, but it seemed like we got so little for what we spent. But, I'm trying to look at it as an investment in our house by maintaining things.

Sorry, wrong number...

June 4th, 2012 at 08:37 pm

The phone rang at 5:30 this morning. I don't know about you, but whenever it rings really early or really late, it makes us worry.

It was a prank call. I wasn't really happy about it either.

There's an older man who often misdials and leaves messages. If I answer the phone I tell him nicely he has the wrong number and he always apologizes. If he leaves a message on the machine and it sounds like he's expecting a call back, I usually call him back to tell him he got the wrong number and other person may not be returning his call. I don't believe he is misdialing on purpose. I know if it were my dad I would appreciate someone treating him with respect.

I think this other call is just a string of pranksters...a couple of months ago we got a call after midnight, it came up "private caller" and it was some gal screaming in the phone wanting to know if my husband was the baby's dad and if so, she was going into labor and he better get to the local hospital. After the annoyance of a late night call, I had to chuckle over that one...I got a lot of mileage out of teasing DH over it as well. They've called during the day and left similar messages about the baby and so on and do forth.

I am not worried about my husband having cheated so it's mostly an annoyance, but I'm not sure why folks like to make prank phone calls, especially early or late. They are sly enough to make sure the number doesn't come up on caller i.d.

Maybe I should be prepared for the next one...I have a whistle and I know how to use it!

Old Fashioned Ideas

May 31st, 2012 at 07:59 pm

Ever hear the slogan that talks about those who don't remember the past are going to repeat it?

I think there is some merit in this so I have been reading online and books one ways to save time and money. I ran across this book at the library: "Simple Country Wisdom" put out by Country Living. It lists 501 ways to simply your life.

It was a good read. Some of the stuff I've read before or I knew, but some were totally new. And many were ways to save some money as well as use what we have.

In another note, a friend emailed me he was going to use up some the meats and vegetables he had left over to repurpose in another meal because I have inspired him. Guess frugality is spreading!

Cost of Cooking

May 30th, 2012 at 12:37 am

It may seem I am driving my hubby crazy. Well, maybe crazier, depending on one's opinion.

Each meal I've been cooking, I have tried to estimate what it cost to fix it. I'm not counting the power for the stove or how much refrigeration, but the cost of the ingredients.

Sunday after church I fixed eggs, sausage, potatoes, toast. Coffee for me, and iced tea for him. I figure at the very most the meal cost $6 when you add in the oil and the butter. A similar meal at a restaurant would have probably cost $17 or more. I realize they have overhead and wages to pay. But, I figure that is $11 we saved by eating at home. All in all, the meal took less than 15 minutes to cook.

Supper the other night was a little pricier...we had sloppy chicks (sloppy joes made with ground chicken), chips, fruit, and iced tea. I estimated it cost between $7 to $8 total. And we had leftovers! Enough for lunch the next day so I figure that lunch if we figured in the buns and the chips cost less than $3.

Tonight's supper was a little more expensive than yesterday's lunch -- we had spaghetti (bought on sale), ground turkey, homemade marinara sauce, biscuits (homemade with homegrown herbs), a salad (homegrown lettuce), cottage cheese, and fruit. I think our meal cost around $8. And, we have enough leftover of the spaghetti and biscuits for a lunch.

Sometimes I feel like I spend a ton of money at the store, but then I realize a lot of times, I'm buying stuff to stock the pantry. I try to get pasta on sale and I have been putting it on glass sealed containers or putting it in the freezer. We hit two stores last weekend and in total we spent less than $90. Only one meal we've had didn't include meat that we bought the on this weekend trip.

DH has a very small area for a garden -- our backyard is almost all shade -- so he had herbs in pots and he has planted bell pepper plants among his other fauna in the yard. He has 3 tomato plants, lettuce, radishes, and basil planted in the small garden like area. Someone asked him why he was doing this and he said because it helps me out when I cook and he enjoys eating like a king!

A gal I know was kidding me about the cooking -- she says it is too hard to cook at home and eating out isn't that expensive. I wonder if she could eat as cheaply as we do...we certainly aren't going hungry and I figure a little time in the kitchen means money saved for other things.

Another person we know said brewing tea for iced tea took too much work. During the winter I get the electric kettle out and make iced tea in glass pitchers using tea bags. I let it cool down before I put it in the fridge. This summer I've made "sun tea" as well as brewed it. Somehow putting a few tea bags in some water doesn't seem that hard and I know what is going into the tea...no artificial sweeteners.

One friend has complained how short of money he is...they eat out every single day...sometimes twice. I'm not against eating out -- it is a nice treat -- but when I look at how much it costs, cooking seems a bit more reasonable.

Finding a new use...

May 25th, 2012 at 11:34 pm

Something I have been reading up on is saving money reusing things. I wondered about those plastic tags that come on bread wrappers and produce bags. I ran across this site:

http://wholelivingdaily.wholeliving.com/2010/06/10-re-uses-for-those-little-bread-tags.html

I wonder if they really hold th socks together. It is worth a try, anyway.

I also noticed using one of the bags that produce come in to make a scrubber by putting a sponge inside.

We hit Aldi today and bought lemons and I have both a plastic tag and bag.

I just hate throwing stuff away that can be used from something.

What a spendy month!

May 25th, 2012 at 12:18 am

What a month! I wish I could say it was expensive because we went out and bought luxurious items. Nope.

Because the end of the school is near, it seems this is the time we were hit up for retirements, weddings, graduation, and the like.

My job is different than most because I am not assigned to one building, but am "housed" in one place, but actually work in three others. We had people retire from each building and we were asked to chip in for gifts. My partner and I tried to explain to folks collecting money that buying gifts for four buildings was really getting expensive. We stuck to our guns, but got some dirty looks. I’m not saying we didn’t give anything, but one building wanted $25 each!

Then we had a couple gals at one building get married and we were hit up for shower gifts. I know I'm going to sound like Scrooge here, but I am beginning to think there was something really right about etiquette stating you get the showers on the first marriage...these gals have been married before and have households.

All in all, it was a pretty expensive month.

I think I counteracted a lot of it because we ate at home most of the time. Today was the last day of school and I had some paperwork that needed to be completed before I could start on vacation. I got to work early and did get it completed. I was so very tired when I got home, but nevertheless, made supper. It was baked spaghetti with leftover meat sauce and a salad and leftover green beans as well as cornbread. It really didn't take that much work or time, but I figured we saved money and I didn't have to venture out.

Hopefully we can get things back on track money wise.

A rant on why folks DON'T volunteer

May 21st, 2012 at 11:10 pm

As many of you know, I'm in education. My DH has been retired and is volunteering. In fact, he volunteers 5 days a week at 4 different schools.

Earlier this year he set up a time to work with two teachers at the same school. One decided the morning time wasn't working for her, so he agreed to come back in the afternoon which means he visits the school twice in one day to accomodate her. A lot of times he would stand in the hall waiting to come in so she could finish whatever she was doing...for the last few weeks he was waiting out there 15 minutes or more...I guess what is the most bothersome is the fact he shows up on time each and every week. Yet, she never seemed to be ready for him to come in.

Today he got to the school and signed in and went to the classrooms. Both were empty. He walked around thinking maybe they went to the restroom or the gym. No sign of these students or teachers. One of the teaching assistants saw him and said she thought the classes were on a field trip.

In our district you have to request a bus weeks in advance so this wasn't a spur of the moment thing. Yet neither of these two teachers could mention to him they wouldn't be at school on Monday or email me that they were going on a field trip.

He has felt that his time was not well spent going to these classes.

I just can't imagine treating a volunteer like this. Maybe I'm of an age where one appreciates it when folks give time and try to make sure they knew I was grateful.

Perhaps this is a reason people are hesitant to volunteer.

Fake farmers' market

May 12th, 2012 at 08:10 pm

Fake? Really? How can a Farmer's Market be fake?
 
A few years ago we were at a local farmer's market. As I perused the green beans, the person at that table brought out a box to replenish the supply. The box looked strangely familiar -- very familiar in fact. It appeared to be the same box that our local grocery uses when stocking their vegetable bins.
 
I stepped back and watched. Other boxes were pulled out with other things like bell peppers, zucchini, etc. All seemed to be the same shape, same size. And the boxes -- all the same. The materials to divide seemed like the ones from the store.
 
I thought to myself -- this guy is a fake. He's purchased this stuff and is implying he grew it and selling it as his own. And he was charging far higher prices than the local supermarket.
 
Humbug.
 
Apparently it's not just happening in our little city, but other places as well. I read an article about these being scams.
 
Fortunately our local community college also hosts a farmer's market and I do think most of the folks who set up are bringing stuff they raised themselves.
 
Frankly, fake is frightening not to mention being a rip off when it comes to farmer's markets.
 
Debbie's blog: http://frugalfoodie.savingadvice.com/

Appearances

May 7th, 2012 at 02:36 pm

All my life I have struggled with weight problems and self esteem. Recently I attended a workshop and this nice looking guy was very polite and kind to me.

Don't get me wrong, I am not looking for man -- I am happily married. But after this encounter, I questioned why this person seemed interested. I usually stay in the background because I don't like being in the limelight. And it is often better to be unnoticed because I don't want to be made fun of.

So, I have wondered why anyone would treat me so nicely when I am certainly not beautiful. And then it makes me feel even worse about myself.

DH and I have discussed how society has ingrained in us how beauty is so important. It seems we are judged so much on how we look.

Those shows where the little girls are dolled up to look far more mature kind of worry me because will this make these children struggle with their self esteem?

We ate breakfast with my brother and his wife and the topic came up where a former boss hired a good looking gal who had no skills simply because she was eye candy. This was a few years ago.

Some of the articles I've seen state that good looking people are more successful because people respond to them more favorably. Perhaps that is true in many cases.

Hopefully as I meet people today, I will look beyond appearances and accept them as they are. And maybe, just maybe, I'll accept myself as well.

Is it May or July?

May 6th, 2012 at 08:39 pm

It is darn warm outside here in Central Illinois. It feels like July instead of May. Yesterday was warm too. I know the farmers are probably delighted because some of them have corn coming up and we did finally receive some rain earlier in the week and the corn popping up will enjoy the hot sun.

DH pulled some radishes, green onions, and picked some lettuce yesterday for our supper last night. It was so nice to have fresh stuff. He hasn't put in tomatoes yet because he normally waits until Mother's Day weekend to plant...our weather pattern has been so weird with the atypical warmer weather, but he was afraid of frost. My brother planted his tomatoes a few weeks ago and is bragging about how great they look...one never knows.

Our herbs in pots from last year are all looking pretty good since they didn't die off. The thyme looks like it might be knocking on the door pretty soon since it is growing so fast.

Looking forward to a bountiful garden this year...and hopefully saving a few bucks besides. We figure the herbs not dying saved us some money.

I received what magazine????

May 4th, 2012 at 12:59 am

Interesting magazine in the mailbox this week...with my name on the subscription address...

It was American Baby. Looks like a nice enough magazine, but I don't have any children, and at my age, I am not planning on having any. It was really bizarre receiving that magazine.

I haven't signed up for any free offers or anything so I have no idea why it appeared. I don't purchase magazine subscriptions because I borrow magazines from the library so it couldn't be a mix up.

I passed it along to a coworker who has a daughter expected...

I do wonder if I should be "expecting" this publication next month!

My phone isn't "smart"

April 28th, 2012 at 10:48 am

Most of my friends have phones that do about everything. Until about 3 months ago, my phone was pretty ratty looking and I had to charge it about every night. It wasn't because it was one of those phones with everything, the phone was just about done for. I looked into battery replacement and concluded it was cheaper to get a new phone.

Have you been phone shopping lately? All the different things and how disappointed the sales person was when I said my cell was for making and receiving phone calls. Period. Tried to sell me a memory card for photos and this and that. I need this for a data plan. He wasn't a happy camper when I said I don't need a fancy plan...I don't text, don't send photos, and didn't plan on accessing the 'net.

Many of my friends were shocked. No texting? Really?

I explained that our phone plan is bare bones and I wasn't going to get a more expensive plan to text. DH wouldn't text nor would my brother so I cannot see the extra expense. Apparently my friends think I am nothing short of weird.


Being pragmatic, I can't see spending more for something that I am not interested in using. It's just one more expense and I would prefer to not spend money that way.

So, no smart phone for me...guess my phone is kind of dumb and I use it as a phone...make and receive calls...kind of unheard of, isn't it?

Garage sales were ghastly!

April 28th, 2012 at 02:59 am

OK, maybe ghastly is a bit strong. But, they were sad.

Each spring our subdivision does sales on a Friday and Saturday in April. DH got up early, showered, and hit them early with a list of things we were looking for as well as a list of things a friend was looking for.

He came home empty handed. He said the pickin's were slim.

I wonder if the economy is showing it's hoary head.

I suggested this to DH -- perhaps folks don't have the money to buy new stuff, so they aren't letting go of anything we are interested in, just trying to sell those things that aren't necessary.

I know the local thrift shops are booming around here. I certainly hope things start looking up for the families in my community as well as the rest of the country. Not because I feel the desire for better garage sales, but it's difficult for so many families to keep their heads above water.

Only two of us brought our lunch

April 25th, 2012 at 12:00 am

We had training today for Common Core reading. For those of you who don't know what that is, it is national standards for reading that most of the U.S. has adopted. Teachers normally do not get more than 30 minutes for lunch, so on training days, we often are allowed an hour.

I packed my lunch this morning -- a few leftovers and some fruit. My partner did the same. We were the only two left in the room as the mass exodus left to go purchase lunch.

I looked around when they came back. Many have complained how their money just doesn't go as far as it did or they have huge expenses...yet they thought nothing of going out for lunch.

When they came this morning, many brought their breakfast they had picked up or soda or coffee purchased. My old checkered Thermos almost seems out of place. One person was telling me what a deal it was for the soda they bought this morning on the way as I drank my home brewed coffee and then my Thermos of water after lunch.

It's a treat to go out -- I realize that, but tomorrow when we return, I bet many will treat themselves again to a hurried lunch and a thinner pocketbook.

Flat bread savings

April 23rd, 2012 at 11:17 pm

I hit the library again and saw a cookbook with cooking with olive oil. It is a type of flatbread and I think one could serve it in place of cornbread. Other than the carbs, it appears to be pretty healthy:

Oatmeal honey bread



1 cup whole wheat flour

1 cup quick cooking oats

1 tablespoon baking powder

1/2 teaspoon salt

1/4 cup honey

1 cup milk

1 egg

1/4 cup extra virgin olive oil



Preheat oven to 400. Coat a 9 inch round or square baking pan with cooking spray. In a large bowl combine dry ingredients. Make a well in the center. In a separate bowl add the wet and whick. Pour the wet ingredients into the well and stir just until moistened.

Transfer batter to the prepared baking pan.



Bake for 15-20 minutes. Cool in pan for 5 minutes, then transfer to a wire rack. Can be served warm or cooled entirely.


We will be eating it with a few meals this week...fairly economical as far as bread goes too.

When is enough enough?

April 17th, 2012 at 11:56 pm

There was a letter in an advice column this week where the writer said they had invited neighbors over for dinner multiple times, but it was never reciprocated, although these same people invite others over. The writer asked when was it OK to stop or something to that effect and how to maintain the friendship.

Good question. We have a couple we have had over multiple times. She is a self professed "great cook" -- her words, not mine, and she has invited other folks over to their home for meals and then tells us about it. She goes into detail about all the things she did to make their meal enjoyable and how pleased their guests were.

When we have invited them over, the dinner conversation usually consists of the "great cook" telling me how she makes the same dish or similar dish and implying how much better it is.

I am thinking she is just plain rude. I'm not claiming to be a gourmet by any means, but unless something can cause an allergic reaction, I would think one would hold one's tongue. Guess I have been wrong about this all these years.

So, when does one decide to stop inviting someone over?

HGTV Green House and recycling

April 15th, 2012 at 09:55 pm

Friday night we watched the program on the new HGVT Green House. We enjoy seeing the new products out there and how people are trying to help the planet.

I had to chuckle when they kept acting so very self-righteous about reusing furniture and materials and shopping and flea markets and antique shops. They acted almost like it was their very own original idea!

Most folks who have to watch their pennies and even those who don't, but want to, reuse and repurpose things. When I look at my kitchen, so much of the stuff in it was bought used. Or, I inherited it from my grandmother.

We often go to antique shops. I not only like the idea of saving a little money, but the idea of buying something that was probably made in America so many years ago. I'm a little tired of all the cheaply made stuff from overseas.

It was just interesting how the commentators were singing the praises of repurposing things and how glorious it was like it was their very original idea. I think most of us reuse and repurpose if at all possible.

There's a little email making the rounds about an older lady going to the store and the cashier says something about your generation not understanding about going green because she hadn't brought her own bags. It was then pointed out how people used to buy soda in glass bottles and return them to be reused. I was thinking about all the canning that used to go on and people used and reused those canning jars for years!

I know HGTV has to sensationalize to keep the viewer interested, but some of us have been "green" in a lot of areas far longer than the network has been around.

I need to go and heat up the sloppy joes in my second hand pot and serve on my second hand plates. Just thought I'd give a few of my thoughts when it came to being green.

Ham again...

April 13th, 2012 at 12:37 am

We had ham for supper. We originally had ham for Easter dinner. Then again for supper Sunday night. I had some for lunch on Monday as well as ham and eggs Monday. We ate it again tonight. Hubby had some for lunch too this week. I think we got our money's worth out of that $15 ham. Three meals Sunday noon; three meals Sunday supper. (We had a guest Sunday and then sent her home with some for her supper.) Supper Monday, lunch Monday, DH's lunch Tuesday, and then tonight...let's see 12 individual servings on one ham! I can honestly say I was glad to see the end of it for now, but I feel like we did pretty well...and it was economical.


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