Weird Facts About PA

 <iframe width="460" height="315" src="https://www.youtube.com/embed/GoqQfdsI9hk?si=q3QhpsvtHdHRqprJ" title="YouTube video player" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe>

Sluggy

Income & Spending....November Edition

 Now that we are living on an annuity, 401K$ withdrawals, personal savings and social security payments, I am still going to keep track of our monthly spending and income, and hopefully we'll still be able to live BELOW our means and I'll have some leftover monies each month to tuck aside.

We went into retirement in June of 2017 with no debt, no mortgage nor a car payment.

I am trying to be as transparent as I can with how much is coming in and how much is going out. 8-)

On to the November report--

I have 2 goals for November.....

The 1st is to actually finish the month in the black and not the red.

The 2nd is to try to have a little cash leftover at the end of the previous month to tuck back into a slush fund.  This slush fund may be applied toward unforeseen bills that are coming due in subsequent months, to spend on "extras/wants" during the year or to just sit there and grow until the end of 2025.

*  I do not include/report on our retirement accounts here, just the non-retirement ones.

I have to report that we finished up November in the Black.

The amount extra we ended the month of November with?....$3,687.09

Income or Fund in September We Can Access

The "income" in November---

*  Monthly annuity payment of $2,547.75

*  SS income of $3,719.60

*  Interest earned on non-retirement accounts of $1,496.24

*  eBay Profit of $549.95(before fees)

* Extra 401K withdrawal  $1,980.37

Total "Income" for November.....$9,698.61

*  Irregular bills in November were $359.66

*  Variable expenses in November came to $4,933.06

*  Medical Premiums in November $718.80

Total Expenses....$6,011.52

$9,698.61-$6,011.52=$3,687.09

Slush Fund coming into November of $81,984.50 and the addition of $3,687.09 in November, the end of November 2025 Slush Fund comes to $85,671.59*

The Slush Fund, on it's own page(tab at the top of the blog), shows an addition of $3,687.09

*This doesn't count October totals which I wasn't able to do.

Outgo

As for the variable expenses this September, here are the good and bad side of things.....

Here are the GOOD THINGS

*  The WAM was the same as last month.

*  There was no Mastercard bill in November.

*  The water bill was less than last month.

* WIFI was the same as in October.

HERE are the BAD THINGS

*  We had a boarding kennel bill related to the surgery.

*  Wed had a hotel bill related to the surgery.

*  We had a turnpike bill related to the surgery.

*  We had a bank service charge as we changed banks.

*  I bought a 'waterpick'.

*  Sent my sister-in-law a birthday check.

*  We now have a storage bill of $74.20 each month until we move.

*  We had $48.17 in dr. co-pays related to the surgery.

The Food Budget costs for November are in another post which I haven't gotten to yet. Food costs are included in my credit card payments(mainly because I buy the food but sometimes these costs come out of our WAM cash too).

Final Thoughts for November--

Looking ahead to December--the PT is going slowly,  That's what I'm focused on for now. 8-/

So how was your November financially?

Did you spend less than the income you had in November?

Did you stay within your budget or not?

What did you do with any money leftover at the end of the month?

Did you pay down/off any debts or put extra toward your mortgage principle or into savings, in an emergency fund or retirement account?

Or did you blow all your excess monies after bills were paid on a "want"?

If you post your financial progress on your own blog, leave a link in the comments so we can  go check out your progress too and celebrate or commiserate with you!

Sluggy

Frugal Friday....December 5th 2025

 

 Not too much frugal going on here.

*  Went to more Physical Therapy appointment this week for the knee.  I guess I'm getting better but I don't feel it yet and the back pain isn't helping on that score.

*  I sold 7 items on eBay last week again.  Go me! 8-)))

*  I earned $28.50 on Ibotta.

*  I earned 29,100 points on Fetch.

*  We had take out 0 times this week.  Hubs is doing a good job of cooking. 8-))

* FINALLY got my Radio Frequency Ablation on my back.  I've been waiting since May for that.  Hopefully the relief will kick in about a week from now. 8-)

*  I found money!  Nope, not this week.

Found Money The Past Week.....00¢

Grand Total Found in 2025....$6.85

I guess sitting home is frugal, right?

That's all I got.

What frugal things did you do this past week?

Sluggy

Frugal Friday.....the November 28th Edition

  

 Not too much frugal going on here.

*  When to more Physical Therapy appointment this week for the knee.  I guess I'm getting better but I don't feel it yet.

*  I sold 6 items on eBay last week.  Go me! 8-)))

*  I earned $13.16 on Ibotta.

*  I earned 3,000 points on Fetch.

*  I won a $50 gift card!  Unfortunately it's for Taco Bell so it becomes a gift for Hubs. lol

*  We had take out 1 time this week.  Hubs is doing a good job of cooking. 8-))

*  I found money!  Nope, not this week

Found Money The Past Week.....00¢

Grand Total Found in 2025....$6.85

I guess sitting home is frugal, right?

And here's my little reminder at this time of year.............

That's all I got.

What frugal things did you do this past week?

Sluggy

What Is Wrong With People?

 https://www.youtube.com/watch?v=bb4nbR4DF28

It's so sad that people do this.

I hope you have a Happy Thanksgiving!

Sluggy

Snow

Sluggy

Frugal Friday....the November 21st Edition

 

 Not too much frugal going on here.

*  When to the first offsite Physical Therapy appointment this week for the knee.

*  I sold 1 item on eBay last week.  Go me! 8-)))

*  I earned $7 on Checkout 51.

*  I earned $21.99 on Ibotta.

*  I earned 75 points on Fetch.

*  We didn't eat take out this week.  Hubs is doing a good job of cooking. 8-))

*  I found money!  Finally found a coin.  Not being very mobile I was going through a bag of old toys(crayons and broken pencils, etc.)and I found a penny.

Found Money The Past Week.....01¢

Grand Total Found in 2025....$6.85

I guess sitting home is frugal, right?

That's all I got.

What frugal things did you do this past week?

Sluggy

I'm Still Alive!

Sorry for the radio silence but I've been busy getting cut up and trying to rehab my knee.

This Jiffy Knee procedure didn't go as expected.  Instead of a spinal the anesthesiologist did a general anesthesia because my spine is messed up.  So I ended up in the hospital for 9 days.  9 days because my bp was low(even though I told them it's always low!).  Of course being a big medical facility they have their rules so low bp means they didn't let you out of bed enough for PT to do much with me.

It was so frustrating!

There was a scare the day after surgery as I was bleeding from the incision site.  I narrowly avoided a blood transfusion.  Dr. a wound vacuum on me and that fixed the problem.  I think I ended up with three different wound vacuums by the time they discharged me.

The caseworker was suppose to be finding a facility here in PA where I could rehab at but she hadn't found one by day 9(and I was deemed medically able to be discharged on day 6)so Hubs drive me home on the evening of day 9.  Boy was that a mistake!  I had a hell of a time getting into the house and ended up falling slowly to the floor at the threshold.

Hubs called the Rescue Squad to get me off the floor, into a wheelchair then into the bed.

I stayed in that bed for two or three days as I was so weak.

The hospital had put a Foley bag on/in me and that had caused an infection so I was on antibiotics now as well.  rah.  

Things didn't start turning around until Home Health took the Foley catheter out of me. 

Hubs had to buy a portable ramp to get me up two of the front steps and then stacked two paving stones at the front door to make the 9" step into a 5" step and a 4" step instead.

 

I made it the the surgical follow-up appt.(2.5 hours away each direction)the beginning of Nov. Didn't fall into the house when we got home this time but boy, was I tired.

So I've been working the Home Health PT program and next week I start outpatient PT and we'll see how that goes.  The last TKR seems to have gone better but what do I know.

We got snow 2 days and here is tail end of it.  Chester the chihuahua enjoyed it.

At least I didn't have to go out in that.

So that's it from here.  Trying to get from the bed or chair to the bathroom and talking pills is my life right now.  I hope everyone is doing better than me. 8-)

Sluggy

Meal Plan Monday......the October 13th Edition

The last flowering plant out front before we got frost.  Bonus points, it's purple!

Onward to the meal planning!  Here is what was planned for the last week.....

Here is what was planned for the this week.....

1. Sunday--Chicken Marsala, Roasted Brussels Sprouts

2. Monday--Pork Tenderloin, Yellow Squash

3. Tuesday--Sausages, Cabbage

4. Wednesday--Pork Stir Fry w/Veggies

5. Thursday--leftover Chicken Marsala, Caesar 

6. Friday--Schnitzel, leftover Cabbage

7. Saturday--Hawaiian Chicken, Veggie TBD

And here's what happened....

1. Sunday--Chicken Marsala, Roasted Brussels Sprouts

2. Monday--Pork Tenderloin, Yellow Squash

3. Tuesday--Sausages, Cabbage

4. Wednesday--Pork Stir Fry w/Veggies

5. Thursday--leftover Chicken Marsala, Green Beans

6. Friday--Schnitzel, leftover Cabbage and Squash

7. Saturday--Hawaiian Chicken, Baked Sweet Potatoes

We shopped at Walmart.

What got taken out of the freezer.......

*  Sausages

*  Chicken Breast

*  Pork Tenderloin

*  Stir-Fry Veggies

*  Schnitzel

The last week we spent a whopping $99.25 and the savings for the month of October is $174.52 and the savings rate is 63.75% before rebate monies are added in.

 

Rebates earned in October--

$183.35 on Ibotta(I cashed out $100 on Ibotta)

$5.60 on Checkout51

$5.00 on Aisle and Misc.

$193.95 total in $$

Total spent after rebates is -$94.70

for October. 

 6,841 Pts. on Fetch 

1,724 Pts. on Swag Bucks

0 Pts. on MyPoints

1,900 Pts. on ShopKick

0 Pts. on TaDa

(I don't count these until I cash out for a gift card or cash.)

Before AND after rebates we had a slightly low spend month for groceries, so far, at least for us.

Leftovers going into next week....stir-fry pork and veggies, romaine lettuce.

Here is what is planned for the this week.....

1. Sunday--Salmon, leftover Green Beans

2. Monday--Caesar Salad w/Chicken

3. Tuesday--?

4. Wednesday--Hospital

5. Thursday--? (Protein shakes for me)

6. Friday--"   "

7. Saturday--"   "

This is a weird food week for us, a lot of fend for yourself as I am on a liquid diet for part of the week.

This will be my last post for awhile as I am having surgery on Wednesday.

What is getting fixed and served at your house this week?

Was last week's plan successful, did you go off plan or did you not even plan what was going to be eaten last week.

Sluggy   

Frugal Friday....the October 10th Edition

 Not too much frugal going on here.

*  When to the last Physical Therapy appointment this week.

*  I sold 3 items on eBay last week.  Go me! 8-)))

*  I earned 1,900 Shop Kicks.

*  I earned $66.00 on Ibotta.

*  Ibotta is having something called a "Daily Cash Drop".  If you buy Cocoa-Cola products you are put into a pool to win a cash prize.  I won $10 this week, credited to my account.

*  I earned 4,841 points on Fetch.

*  We got a storage unit and are moving more things into it in prep for when we move back to the area we had our house in.  While not frugal now it will be when it comes time to move.

*  I used Walmart gift cards earned on Ibotta to pay for a trip to Walmart on 10/07/25, causing me $3.65 in actual spending instead of over $100. 8-))

*  I found money!  Finally found a coin.  And it's a good one.

Found Money The Past Week.....25¢

Grand Total Found in 2025....$6.84

That's all I got.

What frugal things did you do this past week?

Sluggy

Income & Spending....the September Edition

 

Now that we are living on an annuity, 401K$ withdrawals, personal savings and social security payments, I am still going to keep track of our monthly spending and income, and hopefully we'll still be able to live BELOW our means and I'll have some leftover monies each month to tuck aside.

We went into retirement in June of 2017 with no debt, no mortgage nor a car payment.

I am trying to be as transparent as I can with how much is coming in and how much is going out. 8-)

On to the September report--

I have 2 goals for September.....

The 1st is to actually finish the month in the black and not the red.

The 2nd is to try to have a little cash leftover at the end of the previous month to tuck back into a slush fund.  This slush fund may be applied toward unforeseen bills that are coming due in subsequent months, to spend on "extras/wants" during the year or to just sit there and grow until the end of 2025.

*  I do not include/report on our retirement accounts here, just the non-retirement ones.

I have to report that we finished up September in the Black.

The amount extra we ended the month of September with?....$1,799.70

Income or Fund in September We Can Access

The "income" in September---

*  Monthly annuity payment of $2,530.11

*  SS income of $4,104.00

*  Interest earned on non-retirement accounts of $1,022.58

*  Stock Dividend of $20.79

*  eBay Profit of $1,163.88

Total "Income" for September....$8,456.96

*  Irregular bills in September were $2,847.30

*  Variable expenses in September came to $3,139.25

*  Medical Premiums in August were $670.71

Total Expenses....$6,657.26

$8,456.96-$6,657.26=$1,799.70

Slush Fund coming into September of $81,984.50 and the addition of $1,799.70 in September, the end of September 2025 Slush Fund comes to $83,784.49

The Slush Fund, on it's own page(tab at the top of the blog), shows an addition of $1,799.70

Outgo

As for the variable expenses this September, here are the good and bad side of things.....

Here are the GOOD THINGS

*  The WAM was the same as last month.

*  There was no Mastercard bill in September.

*  The electric bill was $2.13 less than last month.

*  Hubs Aviator card was $997.71 less than in August.

HERE are the BAD THINGS

*  The water bill was $26.28 more than last month.

*  My Aviator card was $350.12 more than in August.

*  The gas bill was $2.62 more than last month.

*  The gas c/c was $40.98 more than in August.

*  We had Long Term Care premiums due last month.

*  I had $57.10 due in co-pays in September.

*  Hubs had a $157.55 doctor bill due in September.

*  We now have a storage bill of $74.20 each month until we move.

The Food Budget costs for September are in another post HERE. Food costs are included in my credit card payments(mainly because I buy the food but sometimes these costs come out of our WAM cash too).

Final Thoughts for September--We had LTC premiums. and some dr. co-pays. Plus that storage bill now each month until we move out of here.  These one-offs(and the storage bill)are ugly but we'll survive. ;-)

Looking ahead to October--I've got TKR surgery on the horizon.  That's what I'm focused on for now. 8-/

So how was your September financially?

Did you spend less than the income you had in September?

Did you stay within your budget or not?

What did you do with any money leftover at the end of the month?

Did you pay down/off any debts or put extra toward your mortgage principle or into savings, in an emergency fund or retirement account?

Or did you blow all your excess monies after bills were paid on a "want"?

If you post your financial progress on your own blog, leave a link in the comments so we can  go check out your progress too and celebrate or commiserate with you!

Sluggy

Meal Plan Monday.....the October 6th Edition

 

Guess where I am in this photo?  The hat, gloves and coat should give it away as it was June.

Onward to the meal planning!  Here is what was planned for the last week.....

Here is what was planned for the this week.....

1. Sunday--leftover Cheddar Broccoli Soup

2. Monday--Roast Beef and Provolone Subs

3. Tuesday--Chicken w/Artichoke filling, Caesar Salad

4. Wednesday--Pork Tenderloin w/Stir-Fry

5. Thursday--Schnitzel(guess who went to Aldi?lol)Green Beans or Cabbage

6. Friday--Leftover Pork Tenderloin, Yellow Squash

7. Saturday--maybe Chicken Marsala for company

And here's what happened....

1. Sunday--leftover Cheddar Broccoli Soup

2. Monday--Roast Beef and Provolone Subs

3. Tuesday--Chicken w/Artichoke filling, Caesar Salad

4. Wednesday--Leftover Cheddar Broccoli Soup

5. Thursday--Green Beans & ?

6. Friday--Chik fil a

7. Saturday--Fend for yourself(I had more green beans and 2 slices of turkey lunchmeat)

We shopped at Aldi and Redner's.  Never did get around to Shoprite for Broccoli and Salmon loss leaders. 8-(

What got taken out of the freezer.......

*  Chicken w/Artichoke filling

The last week we spent a whopping $166.80 and the savings for the month of September is $235.24 and the savings rate is 30.20% before rebate monies are added in.

 

Rebates earned in September--

$144.31 on Ibotta

$2.80 on Checkout51

$23.86 on Aisle and Misc.

$170.97 total in $$

Total spent after rebates is $372.76

for September. 

5,134 Pts. on Fetch 

1,706 Pts. on Swag Bucks

880 Pts. on MyPoints

6,129 Pts. on ShopKick

0 Pts. on TaDa

(I don't count these until I cash out for a gift card or cash.)

Before AND after rebates we had a slightly low spend month for groceries, so far, at least for us.

Leftovers going into next week... cuke, romaine, tomatoes and a whole lot of nothing. lol

Here is what is planned for the this week.....

1. Sunday--Chicken Marsala, Roasted Brussels Sprouts

2. Monday--Pork Tenderloin, Yellow Squash

3. Tuesday--Sausages, Cabbage

4. Wednesday--Pork Stir Fry w/Veggies

5. Thursday--leftover Chicken Marsala, Caesar Salad

6. Friday--Schnitzel, leftover Cabbage

7. Saturday--Hawaiian Chicken, Veg TBD

What is getting fixed and served at your house this week?

Was last week's plan successful, did you go off plan or did you not even plan what was going to be eaten last week.

Sluggy