Wednesday, February 19, 2014

My Old Virginia Home......The Tale of Roxabel


The new background wallpaper, since someone asked about it, is an old photo of a place dear to my family.

Back early last year, while digging around online, I found this photo.......


It is housed in the Yale University Rare Book and Manuscript Library, among the collected papers of Margaret Marshall.
But let's back up a bit and start at the beginning.....
Yup, I am turning this into a history/genealogy lesson. ;-)

Margaret Marshall's grandfather was Hunter Holmes Marshall.  He was born in 1820 at Hermitage Plantation in Charlotte County Virginia in the Cub Creek area of that county.
Hunter Holmes married in 1841 Sarah Wilmer Stith of Baltimore, Maryland and brought her to Charlotte County to raise a family.
Hunter Holmes bought a large tract of land, built a house and had that land farmed by the slaves he owned, making him one of the elite planter class of Virginia.  The plantation he owned, he named Roxabel.
Hunter was also a lawyer by trade and became a Judge at some point in his career.  He had a small, one roomed brick office built near the house where he could practice lawyering.

The photo is of the plantation house at Roxabel.
Margaret Marshall White was the daughter of Katherine Parke and Griffin Stith Marshall. Hunter Holmes Marshall was Griffin's father and thus, Margaret's grandfather.

Margaret Marshall was a writer and left her papers(or her grandchildren donated them)to Yale Library after her death in 1974.
This antique photo was in amongst her papers.
It is not known who took this photo or the exact date of it.  Margaret believed it was taken sometime in the 1870's.

Contrary to everything you have been told about Southern Plantations and their Palatial Homes, this photo speaks volumes to contradict that misconception.  Yes, there were many grand mansions in the old South but some Plantation homes were quite modest.
The "wing" of the home to the left in the photo appears to have not been enclosed by 4 walls.  Perhaps it was an outdoor kitchen, which was very common in the South during this time.  Cooking was hot sweaty business and was conducted for most of the year outside, rather than in the house.
Which leaves just the main structure of the house for living quarters for 2 parents, and at it's fullest 6 children.  Add in at least 1(perhaps 2 or 3 indoor servants/slaves)and you'll see that Roxabel was NOT a large plantation home by any stretch of the imagination.

I do not know what, if any, interior changes were made to the main part of the house from it's original construction until I was a small child and roamed inside but I can tell you that there are 3 public rooms downstairs as well as a foyer, a stairway with gallery and 3 bedrooms upstairs.  A bathroom was added so there may have been 4 bedrooms at one time before indoor plumbing, or that area may have been a closet of some sort, I don't know.
At any rate, my great grandparents enlarged the house so the 8 persons(plus servants)who lived in the original Roxabel  was even smaller than the Roxabel I knew from my youth.

The home at Roxabel is a far cry from the typical southern Antebellum estate homes that have been restored such as Oak Alley Plantation or Belle Grove.
Roxabel could barely be considered a plantation house next to those behemoths of grandeur.

But I digress......

There are a woman in the wagon and a man standing next to it, and two young children, a boy and girl, standing on the lawn.
Not sure which members of the Marshall family these are, given that 1870's time frame.

By 1870 Hunter Holmes and his wife Sarah were in their 50's and their last child was born in 1859, so the children might be grandchildren, if in fact, this is Hunter and Sarah.

Or if the adults pictured are not Hunter and Sarah, it might be Hunter's eldest daughter, Mary Ann, making her around 30 in the early 1870's.    She married Robert Henry Gaines in 1868 and they had children--Hunter in 1878, Henry in 1880, Sarah in 1884 and Mary in 1886.  Mary Ann and Robert Gaines moved to Roxabel sometime after Judge Hunter Holmes moved to Richmond, VA to resume practicing law, and Robert took over the running of the farm.

So it's possible if the boy and girl pictured are their two middle children, Henry and Sarah, born in 1880 and 1884, this is a photo of the Robert Gaines family taken in the mid to late 1880's.  Mary Ann Gaines was Margaret Marshall's aunt.
Or it's possible that the children pictured are ones we have no knowledge of that were born earlier in their marriage and that would place this photo firmly in the 1870's.

At any rate, it's still a bit of a mystery as to the identity of these folks beyond the fact that they are Marshalls or Gaines.

And here is a photo of Roxabel as it stands today.....approx. 140 to 130 years after that first photo was taken......


Sometime in the 1930's my great grandparents, who had farmed this land as tenant farmers in at least the 1920's, bought the farm Roxabel.  They had the house extensively rebuilt, as you can tell from the side-by-side comparison below and then moved their family in sometime afterward.



My great grandparents lived here until my great grandfather's death in 1956.  My great grandmother continued to live here until sometime before 1967, at which time her children moved her into a house in town, where she resided until her death in 1973.

Roxabel passed out of the family sometime after that and was NOT kept up from all I've been told.
It passed through the hands of at least 2 owners after my great grandparents, before, sometime at the beginning of the 2000's, 3 of my mother's cousins pooled their resources and bought Roxabel back.

They continue to restore and bring back to it's former glory the "old home place".
The house and grounds are available to be rented out for weddings and other events.  Contact me for more information if you are interested in holding your event here and I'll pass it along to my 1st cousins 1x removed. 8-)
And of course the family reunion is held here each Fall.

So now you know more of the story and I didn't go too far off on a tangent with the genealogy stuff.  ;-)

Sluggy

Tuesday, February 18, 2014

Random Stuff at Chez Sluggy

I go to put the dog out and guess what I see?




* First off, it is snowing YET AGAIN here.  Friday through Sunday we had 3 storms blow through.  It started snowing again late last night.

Looking at the forecast online it looks like all this week is a pattern of a day of partly cloudy/sunny followed by a day of snow.
Oh joy!

* I may be going to that Blogger Meet-up in Delaware next month.  It depends on if someone who may give me a ride there can.  I should know in the next week if this will work out.
I SO need to get away from here for a bit before I start climbing up the walls!

* I just signed up for 3 month mail order refills on some of my prescriptions this morning through a company included in my new insurance coverage.  I paid $25.18 total for 3x 30 day refills last month.  Doing a 90 day refill for the 3 drugs will cost me $48.28, or $16.09 per 30 days.  It's only $8+ a month savings but since we have to pay full freight on prescription until the $3K deductible is satisfied, I'll take whatever savings I can get.
I just hope this works out and there aren't any issues not receiving my meds in a timely fashion.
And speaking of things happening in a timely fashion...NOT!.....

* Today begins WEEK FIVE of trying to get my DME company situation sorted out in regard to my healthcare coverage.  Despite being told over a week ago now by my healthcare company that my DME is covered and the company they passed me along to should have supplied what I need by now, I am still waiting on someone to DO something!  Now the DME Co. says they still need some form or other before they can deliver DME to me, which the healthcare company says it's all set.
No, it isn't.  My good buddy at the DME company, "Shaun", promised to follow up directly himself with the dr. office and get right back to me on Friday.  It's now Tuesday and "Shaun" is still MIA.
So yes, I get to call again and go through this whole rigmarole for the umpteenth time.
So tired of this......

* I got to have a broken filling replaced AND get a cleaning and ex-rays on the same day last week.  My jaw hurt for 2 days after that, as the dentist has a heck of a time getting the rest of the filling out, and she did some yanking on me.  She thinks they glued it in!
I get to go back on Friday for another filling too.
It's just a wild party around here, ain't it?  ;-)

* I get to go to my primary care dr. on Thursday.  While I am holding steady with my weight is it not heading South as fast as I would like it to be progressing.  The month of December was very bad for my weight loss since I gained.  Hey, it was Christmas and a holiday trip to a German Bier Haus.....what can I say?  January wasn't much better between being depressed and the weather et al.  February has been a wash as well.  I am doing ok health wise......no flu, haven't been sick, just depressed and tired of fighting about these insurance issues, which leads to more depression and "what the hell, I might as well eat my feelings" episodes.  sigh.

I do get to find out about getting off this blood thinner stuff I have been on due to that clot in my ankle last September.  I am due to be finished with this.

* I have had very few Etsy store sales since January 1st.  Frankly I've just neglected doing anything with that this year so far.  I did finally go into the Daughter's old room(aka my fabric lair now)and sort through some piles of fabric so I can get more new pieces up on Etsy.  I had hoped to get the rest of the flannel, corduroy and wool up in January but it didn't get done, so now that all gets thrown back into a tub to wait until late Summer to list it.  At least some of those Winter fabrics are now photographed and written up, so getting them actually for sale on Etsy won't take any time at all.
The last few days I DID get about 30 fabric pieces ready to list(photo'ed, measured, weighed and descriptions done)so I should have those up in the Etsy store this week.

I still don't "get" this whole "favoriting" thing on Etsy.  Someone can "favorite" an item in your Etsy store(it's like hitting the LIKE button on FB)and you can see who favorites what in your store.
I's a STORE folks, not an art show.....I don't CARE who likes my fabric!  I just care who BUYS my fabric!  That's how I judge whether someone likes my fabric or not, if they BUY it! lolz

* I let all the eBay listings expire in January.  I may go and relist everything later this week, just so it looks like I am doing something with it all.  But from what I hear not much is selling there lately for most everyone.  Things will pick up once the tax refund checks start flowing back into buyers' bank accounts though....I hope.  ;-)

* There is still no furniture in my living room besides some boxes of eBay stuff, a coffee table, an old wing chair, sofa table and the folding camp table I was doing taxes on in the dining area.  I just can't pull the trigger on buying a sofa right now.  I am not completely happy with my choices(color, size, fabric and price)plus there is no extra money left in the paychecks until March gets here to cover it.  I know I can yank money from elsewhere but why do that if I don't have to have a sofa right now?
It would just make me grumpier. lolz

* And speaking of taxes, I mailed off the Federal today.
Rah.  Had to redo the Education credit thing THREE TIMES to get it right. ugh.
And that $12K heating/cooling system we bought last year?  Guess how much Uncle Sam lets us take as an Energy credit for it?
$300.
Big whoop. 8-)))

* In GOOD news here.....Hubs gets a yearly Bonus.  We never know how big/little it will be.  It all depends on how his company does for the year, if his part of the business is profitable or not, how he is rated within the company, and the specific formula the company uses to distribute the bonus funds(this formula seems to change ever year and is more complicated than jumping through IRS hoops calculating your personal tax return).
He got his performance review and he was rated as high as is able.  Their business segment also had a fabulous year too.  So it all comes down to the formula they are using this year to decide on how far on the big side of the scale the bonus will be.  We find out Thursday when it hits the bank account.
I am so hoping it's enough to finish off #2 Son's college account with something leftover for us to use elsewhere.
Since as long as I can remember, the Bonus has always been used to fund the kids' college accounts.  At least the last 12 years.....even before we paid off the house, we dumped this money into the college funds.
Next year, if Hubs is still employed there, God willing!, will be the FIRST year in forever that we won't have to put the $ into the college fund.  I won't know what to do with myself if I have to make a decision on what to do with it.....but I'll give it my best shot. 8-)

* Cross your fingers we get to complete #2's fund and have money leftover, because(Sonya plug your ears)we are going to have to buy another car in the next few months.  The Hyundai Elantra needs to go!!  And Hubs won't just wait until August, when #2 leaves for college to just take back the Malibu.
I wish he would just limp along until August, because at that point we won't need 3 cars anymore and it will save having to ditch another car in August.  But he won't go with my plan so we are shelling out more money on cars in the coming months.
Argh.

* #2 Son applied for a new job last night on his way home from his music lesson.  He had quit his old job in January because it was getting so demanding of his free time and left him no time to practice for his auditions for college.  He was working almost 40 hours a week right before he left it.

This new one is just a weekend job so won't cut into his activities and school stuff.  But will give him a little cash so he isn't always hitting me up for some. lol

That about catches y'all up on the Drama here at Chez Sluggy.

What's going on in your world?

Sluggy


 

Monday, February 17, 2014

This Week on the Dining Table

The "Please Make it Stop Snowing Because I am so Tired of Talking About Snow!" Edition.......


 
 
We got 3 storms within 48 hours late last week.  You can just make out a sliver of the top of the car parked on the roadside, behind that snow bank.  The driveway is turning into a tunnel configuration with walls 4 feet high on either side of it.  Nowhere left to put the snow here....bleh. 
 
Here is what was planned last week---
 
Sunday--Broiled Cod, Roasted Sweet Potatoes with Onions, Coleslaw
Monday--Beef Stroganoff, Rice, Sugar Snap Peas w/Red Peppers
Tuesday--Chicken in Wine Sauce, Noodles, Broccoli
Wednesday--Hot Dogs w/Coleslaw, Red Potato Salad, Beans(for Hubs/#2 Son)
Thursday--Quiche(freezer), TBD Veggies
Friday--Mushroom Parmesan, Salad
Saturday--Breakfast for Dinner or Leftovers
 
And here is what actually happened---
 
Sunday--Broiled Cod, Roasted Sweet Potatoes with Onions, Coleslaw
Monday--Beef Stroganoff, Rice, Sugar Snap Peas w/Red Peppers
Tuesday--Chicken in Wine Sauce, Noodles, Broccoli
Wednesday--Pizza from the freezer
Thursday--Breakfast for Dinner
Friday--Chinese Take-out
Saturday--Hot Dogs w/Coleslaw, Red Potato Salad

 Everything served as planned except the Quiche and Mushroom Parm and the last half of the week dinners were moved to different nights.  Since #2 Son & Hubs didn't leave town on Friday this changed the configuration of meals.  We got take-out to celebrate Valentine's Day since Hubs wasn't suppose to be home that evening so nothing had been planned.
 
I spent a total of.....*sit down for this one!*....$2.42 on groceries last week.  Hubs bought milk when he got gas on Saturday and I spent $.53 at Rite-Aid when I picked up a case of water and 2 bottle of peroxide(using up a $5 +Up Reward).

So after the week's spending, I am sitting at $290.82 spent in February with 11 more days in the month to go.  I seriously doubt I'll stay under $300 at this point for the month but I'll try to keep it as close to that mark as possible.
Going into the new week here are the leftovers we have.....
 Beef Stroganoff and rice, Chicken Fajita fixings and that's about it.
 
Here is this week's meal plan----let's dig deeper into the freezer and pantry---

Sunday--Leftovers
Monday--Dinner Out using gift card
Tuesday--Cheese Steaks w/peppers and onions
Wednesday--Rigatoni w/Meat Sauce, Mushroom Parmesan, Asparagus
Thursday--Fish, Sugar Snaps, Roasted Potatoes
Friday--Chicken Risotto, Salad or Leftover Asparagus
Saturday--Leftovers Again

That makes 4 new meals, 1 meal out and 2 leftover or planned over meal.
I have fish, chicken and roast beef lunchmeat in the freezer and I *think* I might have a small package of ground beef in there too.


What I need to purchase for this menu?.......Deli Cheese(for the cheese steaks), Salad Greens(I'll go on Wed. and find some reduced containers), Asparagus(on sale this week) and maybe 1 lb. of Ground Beef if I can't find any in the freezer.  We are also out of Sour Cream(something I like to have around)so I'll pick that up because it's on sale this week here.  One store also had Welch's Grape Juice on sale and I like to have some of the purple kind on hand. This should run me around $20 depending on whether I need Ground Beef or not and what it's going for this week/if I can find a reduced package.

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

Sluggy

Saturday, February 15, 2014

The 2014 Winter Music Tour

Like I talked about in yesterday's post, Hubs & #2 Son didn't go to his music audition down at VCU in Richmond.
Yes folks, the second half of the 2014 Winter Music Audition Tour has been canceled.
#2 Son had 4 different college auditions scheduled this Winter at 4 different schools.
He's had the Temple and Mansfield auditions and the VCU and Marywood auditions were on the blocks for this weekend and next week, respectively.

Well that plan changed earlier this week when #2 got some mail......

 


So he has gotten both his "Congratulations to our school" and his "Congratulations to our program" college letters from Mansfield.

Seeing as Mansfield was his 2nd choice(and Temple his 1st choice), he sees no reason to continue on with more auditions to schools that were his 3rd and 4th choices.

So he's going to Mansfield in the Fall.....for now.
We still haven't heard from Temple yet and we don't expect to hear from them until March sometime as their last audition date is February 23rd but the undergraduate deadline for applying is March 1st.

So we don't know the important stuff yet......
Like if #2 Son is going to be an Owl or a Mountie in the Fall.
And whether we will be required to shell out $28,032 or $21,010 in the Fall.

bleh.

Not that we get any non loan help from the Feds.
I fill out the FAFSA every year for some kid or kids and they always tell us our "expected family contribution" toward their studies is some ridiculous amount.

This year was no different.
FAFSA indicated we are expected to contribute......$42,803 toward our son's educational needs for 2014-2015.
Now look at the two amounts above for those two schools.
Do either of them even approach $42,803 a year?
No, they do not.

The only school that came close was Marywood U., a small local private school at $46,556 if you lived on campus, but they estimate will cost $33,390 if you live at home(and #2 would be living at home at least for a couple of those years).  And that is before the $10-$15K merit scholarship they promised he'd get if he attended that school.

You see, FAFSA considers us "rich".  Because we've scrimped and saved and paid everything off, don't live off of credit cards or have debts, and we have a nice pile of cash because we live so far below our means.
Hubs makes a good income but if he spent like his colleagues seem to do(bigger houses, expensive vacations to Europe each year, nicer cars, etc.)we'd be struggling to pay our bills like they are.

The problem with paying for college, besides just paying for college, is that the Feds think if you have a pile of cash in savings that it's available for you to spend it down on college costs and they expect you to do just that.
They don't take into consideration that first, we are OLD parents.  We had our kids late thus we are "this close" to retirement.  We don't have years to go after sending our kids to college to recover from spending down all this money like people who have their kids in their 20's and very early 30's do.
In addition, most of this pile of money we have saved is earmarked for our retirement years.  It is not in a protected retirement fund like a 401K so it is counted against us when it comes to measuring what parents have available for educational funding and how grant money is doled out and to whom.

Even with the portion of our savings that IS earmarked for #2 Son's college funding, he will still need to come up with about $15K more over the course of 4 years to cover the least expensive of the 2 schools where he wants to go.  And that doesn't take into consideration the costs going up(and they do every year)over the next 4 years.  Plus a car and car expenses which he will need his Senior year to do his student teaching(definitely if he attends Mansfield and perhaps if he is at Temple, in a big city, if he has to teach in the suburbs).

But the FAFSA folks will only allow us unsubsidized loans because of our level of savings.  So we are hoping for a small merit scholarship from whichever school #2 Son attends to offset just a tiny piece of the price tag on school.  Both our other two kids got something where they attended for academic merit.  If #2 Son gets anything it will be on the strength of his artistic talent, but those kind of awards are even fewer and farther between.

Hubs is probably going to retire from his company before #2 Son graduates with his degree, so I am wondering when we no longer have an income coming in and are living off of these savings, how that will affect the FAFSA formula.  We would still have most if not all of our pile of savings at that point but no regular income.
So there is some unknown for us there, as we hadn't dealt with college in this particular circumstance before.

Anyway.....I didn't mean to turn this into a FAFSA and College is ridiculously expensive tirade, but I did, didn't I? ;-)

We are happy for our son, that he got his admittance wish(at least one of them),and we are crossing our fingers he gets some sort of financial award from somewhere.

And I am counting the days until he leaves in August and is no longer destroying what passes for clean in my kitchen....WoooHooo!

Sluggy

 

Friday, February 14, 2014

Turnpike Yikes!

Well I am so glad Hubs and #2 Son called off the trip to Richmond, VA they were suppose to take this morning.
They would have been traveling on the PA Turnpike to get there.
Here is a shot of what the Turnpike outside of Philly looked like this morning......


Massive wrecks and closed down in one direction.

There is a no-audio film of some of this mess on Yahoo HERE.

A report from local news station HERE.

More HERE

I've driven on that stretch of turnpike and the folks on there drive like nutballs!
I am always sure someone is going to crash into my ass as they ALL tailgate.

I sure hope nobody lost a loved one in this today.....

Sluggy
 

Nothing Says Love on Valentine's Day......

....Like a Snowdrift!


Yes, my back deck has almost disappeared!
Save the path for the dog to go out to the yard.

We got another 12 inches between yesterday's storm and the second storm from late last night.
There are 4 foot high banks of snow lining the driveway out front and we may get our mailbox shoveled out by April.....

Seriously.
Over.
Snow.

Well it could be worse, right?
It could be like in 2007 when a nor'easter hit here on Valentine's day, closing all the roads and the interstate and people had to spend the night in their cars.  On local tv, they were asking for people with ATVs to drive to the nearest interstate entrance/exit and go pick up people in cars to get them to shelters.  It was a mess.
Check out this old news report HERE.



This is my new mantra.....
 


Raise your hand if you are sick of snow!

Sluggy

Thursday, February 13, 2014

The GroundHog Must DIE!

So when we finally moved out of the "Bowels of the Poconos"........
(You know, where we use to live until 2000......where it was de rigeur to get 100 inches of snowfall in an average year.......and where I took this photo.......I think it was in 1993.)


Anyway when we finally  moved from there, we settled in this teeny tiny town in this part of PA.
NOT in the Poconos mind you.

We figured our "large accumulation of snow" days were a thing of our past.

Let me just say for the record......
"HA!"

Look at what it's doing again this morning?



I think somebody needs to drive west of here and assassinate a certain groundhog......

Do I see any volunteers out there?!?

Sluggy

Wednesday, February 12, 2014

THAT'S IT!!!

Can I just say that if you have a chronic health issue be prepared for dealing with a MAJOR load of crap if you are EVER required to change your health insurance.
All you folks who lost your insurance coverage and had to find a new one due to Obamacare are in for a real treat, yessirree!

I am sitting on hold on the phone for the FOURTH WEEK now, dealing with changing my health coverage to a new provider and trying to coordinate the changing of my durable medical goods(DME) coverage from my old healthcare provider's company to the new healthcare provider's company.

Words can not express to you what a colossal PITA of an ordeal this has been.
Between the layers of bureaucracy of the medical establishment I am dealing with and the layers of stupidity that make up the insurance company and it's all too numerous contracted-out "partners", all of whom know not what the other is doing, I am about ready to swallow my tongue in frustration!

I have spent upwards of 2 hours each day that I have to call on the phone, explaining and re-explaining this crap until I am blue in the face.  And then I am told to wait a few days to follow up.
And when I follow up, guess what?  NOTHING has changed and we are still at square one and we get to go through this crap again.
It's like "Waiting for Godot's Insurance".....

It's almost 6 weeks now and I have no coverage for my DMEs because these @#%%^#$!@ people can't get their collective shit together!
My current(soon to be EX) DME provider was told on January 15th the information for my new healthcare provider and to bill them.
But that hasn't stopped them from continuing to bill my old healthcare provider who of course, is paying NOTHING to them, as the numerous EOBs I have been receiving state.
OMG!  What a bunch of buffoons!

I foresee receiving bills and collection notices from that old DME in the future since they won't bill the new healthcare provider, as they should be, for payment.  They are lazy asses and will just not even try to collect from the company they SHOULD be collecting from and will end up coming after us.
And guess who is NOT paying for their stupidity?!
Me.

And I can't get rid of this old DME company until the new insurance company preauthorizes that I need this bunch of equipment and will cover it's cost.
So I am stuck unless I just send all the DMEs I currently have back and stop using them altogether, and possibly die in my sleep because I don't have them.
How nice.

That's one way to get rid of a healthcare consumer you don't want to shell out $$$ for who might cut into your corporate profits.....

All you young people out there, take my advise---

Stop smoking, drinking, eating, doing anything that can injure you(riding in vehicles, participating in organized sports, going out in public places, etc.)and never get any terminal or chronic diseases because you inherited bad genes.

Because if you have to deal with the bureaucratic bullshit that I've been dealing with(let alone having to take care of your health issues), you are better off just jumping off a bridge.

Going off now to relax before I stroke out.
Seriously.
I just want to scream at one of these customer service automatons.
And if I get caught in yet another voice mail phone tree hell I am going to take a sledgehammer to the phone.

Sluggy

Well That was a Big Waste of Time

A short film where I try to replicate that Facebook thing I posted about how to open a beer bottle with a magnet and a quarter.......




Yes folks, I truly need a life.

And no, Hubs wouldn't let me use one of his beers to try this again.


When this trick doesn't work for you, check out what WILL actually open your bottle.....



You'd better keep those rings you bought Sonya Ann. lol

Sluggy

Tuesday, February 11, 2014

Travel Goals

While I still haven't come up with a List of Goals for 2014, I have been spending a good deal of time thinking about where I want to GO in 2014.
Yes, I love to travel!
But I don't fly.....



I have even started compiling a list of where, if I had my way and unlimited funds, I would like to go this year.......

March--to an informal blogger gathering in DELAWARE
April/May--to see my daughter in LOUISIANA, with stops along the way in TENNESSEE, KENTUCKY & an excursion into TEXAS.
June--to a 150th Anniversary commemoration of a WBTS's event in VIRGINIA
July or August--for a vacation in MAINE  Mmmm......lobsters
September--to the Family Reunion again in VIRGINIA
October--for our mini vacation in MARYLAND

Also, but not at any specific time in the year  in these places.............
To MASSACHUSETTS to see my Aunt and cousins
To ILLINOIS/WISCONSIN to see my 9th cousin  ;-)
To Pittsburgh again to visit with #1 Son
To CANADA as I haven't been there in YEARS

Of course, Hubs doesn't get NEARLY enough vacation days to do all this.....and I am a nervous nelly anymore about driving myself long distances alone.
Plus I'd probably have a coronary if we spent what all this would cost, even on the cheap!

So it won't all be happening this year.
Sigh.

I do know that the trip to see my daughter will be happening as Hubs got time off for it in April.....woohoo!

Spring break here I come. lolz


How about you?
Do you like to travel?
Where do you like to go on vacation?

Sluggy

Monday, February 10, 2014

This Week on the Dining Table



It's the "Can We Please Not Get Anymore Snow for Awhile?!" Edition


 
Here is what was planned last week---
 
Sunday--Leftovers or FFY(I was the only one home)
Monday--Tuna Noodle Casserole, Grilled Asparagus
Tuesday--Kielbasa and Onions on Rolls, Brussell Sprouts
Wednesday--Roast Chicken, Collards, Smashed Rutabaga
Thursday--Eating Out, #2 Son at District Band Comp.
Friday--Chicken Fajitas(using leftover chicken from Wed.)
Saturday--Roasted Sweet Potatoes and Leftovers of FFY(Fend For Yourself)
 
And here is what actually happened---
 
Sunday--Leftovers or FFY(I was the only one home)
Monday--Tuna Noodle Casserole, Grilled Asparagus
Tuesday--Kielbasa and Onions on Rolls, Brussell Sprouts
Wednesday--Roast Chicken, Collards, Smashed Rutabaga
Thursday--Eating Out at Bob Evans using gift card
Friday--Fend for Yourself(I was home alone)
Saturday--Chicken Fajitas(using leftover chicken from Wed.)

Everything served as planned except I forgot I was going to be home along for dinner on Friday so Friday's dinner was prepared Saturday.
Not a big deal.
Eating out used a previously purchases gift card combined with a BOGO Entree free Coupon.
 
I spent a total of.....*sit down for this one!*....$184.53 on groceries last week.
I had spent $51 or so early on in the week, but then Hubs took me to R-A, The local market and Weis PMITA Markets on Saturday and I spent $133+ I wasn't expecting to.  I found some good deals(b/s chicken breast for $1.88 lb. cantaloupes for $1.47, blocks of cheese on special)so I spent.  We also needed dog food last week and that is something we don't buy often but when we do we stock up. 
Even if I spent loads more than usual in 1 week, my savings rate was still 50%, and my savings rate for February so far is 59.15%.
Pretty darn good. 8-))

I don't expect to buy much this coming week since I've planned a menu around what is here for the most part, except for some fresh produce.

If I am trying to do a $300 food budget month, I have already spent $288.40 in February and it's only the 10th!
Holey Moley.

That means I have 14 more days after this coming Saturday to feed us until the month is over and $11.60 left in my food kitty to accomplish this.
Hmmmmm.......
Don't know how I am going to pull THAT off but I'll give it a shot.  ;-)
 
Going into the new week here are the leftovers we have.....
Collards, Chicken Fajita fixings.
 
Here is this week's meal plan----

Sunday--Broiled Cod, Roasted Sweet Potatoes with Onions, Coleslaw
Monday--Beef Stroganoff, Rice, Sugar Snap Peas w/Red Peppers
Tuesday--Chicken in Wine Sauce, Noodles, Broccoli
Wednesday--Hot Dogs w/Coleslaw, Red Potato Salad, Beans(for Hubs/#2 Son)
Thursday--Quiche(freezer), TBD Veggies
Friday--Mushroom Parmesan, Salad
Saturday--Breakfast for Dinner or Leftovers

That makes 6 new meals and 1 leftover or planned over meal.
As I only have enough turkey lunchmeat for 2 lunches so I'll be eating on leftovers for lunches this week after that is gone.

What I need to purchase for this menu?.......maybe some fresh produce or I'll just dig some veggies out of the freezer instead.
 

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

Sluggy

Sunday, February 9, 2014

Saturday at Rite-Aid

Going into last week I had $12 in +Up Rewards expiring on 2/15.
Here is what I got on Saturday 2/8.....


1 x case of Nestle water RAINCHECK price=$2.99 *not pictured*
2 x Cheerios cereal on sale=$5.00
2 x GE light bulb 2-packs on sale $3.99=$7.98
Subtotal.....$15.97

Coupons Used
1 x Nestle water VV Q=.50¢
1 x BOGO Cheerios IPQ=$2.50
2 x $1/1 GE light bulbs ManQ=$2.00
2 x $1/1 GE light bulbs VV Q=$2.00
Coupon total....$7.00

$15.97-$7.00=$8.97
I used $7 in +Up Rewards to pay(1x $5, 1x $2).....$8.97-$7=$1.97 + .08¢=$2.05 OOP

And I received $6 in +Ups back(2 x $3 GE), giving me $11 in +Ups now.

About that Cheerios Coupon, if you haven't gone HERE already, do so soon to access this coupon.  It expires Feb. 15th, so be sure and find a deal on Cheeeios soon and use it!  It's good on most any variety of Cheerios but you can only print it once.

Going into this week at Rite-Aid I have $5 in +Ups that has to be used this week, and $6 in +Ups that I have 2 weeks to use.
I haven't even looked at this week's sales ad so tell me what is worth buying this week at Rite-Aid?

Sluggy

Saturday, February 8, 2014

My Tangly Tree....Family Tree That Is

The more I dig into my ancestry the more my family tree branches start getting gnarly and twisted up into themselves.
Meaning, at some point in the past all the little branches start tangling up with the larger limbs they forked off of.
Like what I just discovered this past week when I broke through one of my brick walls.


One of my maternal grandmother's father, or my great grandfather was named John Little Vassar.
Now I have the Vassar branch of the family going back to the 1st Immigrant of that line to Virginia in 1635, 12 generations counting John the Immigrant to me.

Plus I have an additional 20 generations going back from John's wife, Elizabeth Dowe/Dew to William the Conqueror.
But who cares about him, right? 8-)

What I am focusing on is on that Vassar line.
My 5th great grandparents are Nathaniel Vasser(1756-1823),and his wife, Sarah Hudson(1756-1846). 
Sarah's parents were Peter Hudson and Mourning Griffith(or Griffin) of Virginia.  At this point back into this Vassar/Vasser line I only had the pedigree, or the direct ancestor once you get back into the Hudson side of the line, no siblings for anyone. 
And I only have as far back in Hudsons as Peter and 1 further generation back for his wife Mourning Griffith(her parents are John Griffith and Sarah Parrish).

The Vassers/Vassars continue down with Vassars until you get to my grandmother, who married a Harper, my mother who married a Bowman, to me....Sluggy.

That line is well established however there are other offshoots from my maternal grandmother's side that I didn't have much documentation/family tradition coming into this whole genealogy hunt.

One of those offshoots is John Little Vassar's grandmother's family.

John Little's parents were John Alfred Vassar and Rosa Belle Snead(the ancestral line that I am related to Sonya Ann through).

John's mother, Rosa Belle Snead's parents were Lewellen Snead and Rebecca Womack.  It is this Womack line that I have been trying to make headway on.

Rebecca's parents were Abraham Womack(1785/90-1863)and Willie(though some call her Millie)Wade(no dates).

I busted through the Womack brick wall this week with the aid of another researcher to discover that Abraham's parents were Abraham Womack and Tabitha Hudson.

This Tabitha Hudson was born abt. 1760.

Hmmmm.
My Sarah Hudson, in my great grandfather's line, was born 1756.

Hmmmm again.
Tabitha and Sarah both lived in the same geographic area of Virginia.

Well when I discovered that Tabitha's parents were Peter Hudson and Mourning Griffith, I knew I had found Sarah, who married Nathaniel Vassar, Tabitha's sister.

So my 2 x GreatGrandmother, Rosa Belle Snead's 2 x Great Grandparents are the same 2 x Great Grandparents as her husband, John Alfred's 2 x Great Grandparents.
And Rosa Bell's husband is my 2 x Great Grandfather.

This means my 2 x Great Grandparents were 3rd cousins.
My family tree seems to be branching out and then cleaving back together along this journey of mine. lol

I also found this same type of situation in my mother's father's sister's family.

My grandfather Harper had an older sister named Ollie Harper.
She married Joseph Warren Sublett.
I doubt she knew at that time that they were related.

Joseph Warren's 3 x Great Grandfather was a man named Pierre Louis Soblet, who immigrated to Virginia from France(first, by way of Germany, Holland and England)in 1700. Warren traces back through his direct Sublett surname line, from Joseph Warren to William Joseph, to Benjamin Branch, to Matthew Thomas, to Benjamin Sr., to Pierre Louis Soblet.

Ollie's 5 x Great Grandfather was this same Pierre Louis Soblet through her mother's side of the family.....Jennie Vie Tucker back to his mother Mary Jane Mason, back to her mother Elizabeth Weatherford, back to her mother Martha Sublett, back to her father William Abraham Sublett, back to his father Pierre Louis Soblet.

This means my great Aunt Ollie and Uncle Warren were 4th Cousins 1x removed.

Does your head hurt from the math yet?
Mine does. ;-)

Ok, back to seeing dead people for me......

Have you made any interesting family history discoveries lately?

Sluggy

Friday, February 7, 2014

Habits of the Debt-Free

I saw an article on Yahoo earlier this week HERE.

It is a list of 10 traits that Debt-Free people have.
The author states that in order to be debt-free you need to think and act as those who are debt-free.

There are many lists of ways to improve your life out there, but I thought this one was pretty spot on.
At least, these are habits that I have made my own and I have been totally debt-free since March 15 2007.


Here's a brief synopsis of the list in my own words......

1. They pay attention to the details.
If you want to be Debt-free, pay close attention to the details of your money.  Things like always checking your account statements, reconciling your statements each month, always recording withdrawal/deposits/debits.  If you have auto withdrawals coming out of your accounts, keep an eye that they are accurate.  Keeping an eye, as well, on your credit card statements that all purchases are correct.  Stay on top of payment due dates and avoid overdraft fees.  Pay off your credit cards each month to avoid interest charges.  Debt-free folks avoid late fees, overdrafts and interest charges whenever possible.

2.  They understand their finances.
Not everyone has a finance or accounting degree or knows tax law inside and out.  But even if you can't do all the legal/tax/investing work concerning your money, you make a point of learning as much as you can, so you can understand what your financial planner, tax expert/preparer, stock broker, insurance agent is telling you.  Debt-free folks never just hand over their financial information to another to manage blindly.  They have some level of knowledge about all things financial and ask questions if they don't understand something.  They never make financial decisions without knowing something about that decision first.

3.  They live on less than they make.
Debt-free people know exactly how much they bring in each month or year and make a point to live below their means.  They know where their money goes each month because they put it on paper and tell their money where it is to be spent(or saved).  They know they need money for unexpected emergencies and they know they need to think about their future(retirement), so they plan to live on a percentage of their income each year instead of squandering their whole paycheck every month.

4.  They plan for the long term.
Debt-free people don't just live for today, they think about their tomorrows.  Because they live below their means, they can accomplish saving for their financial future.  This takes a lot of discipline and avoiding instant gratification in a society that only values the "here and now".  Some times debt-free people feel at odds with our society and are often labeled freaks.  Wave that freak flag proudly! 8-)

5.  They aren't afraid to be bold.
Debt-free people aren't shy about asking others how they achieved a goal that is worthwhile to them.
If you want to be debt-free and you know someone who accomplished some financial goal, ask them about it, and then apply that advice to your situation.  That's probably how a debt-free person got there.....they saw or asked how others who were debt-free did it and applied those same principles to their own lives.
Be curious how people you know, who have won with their money, did it and don't be shy about getting some tips from them.

6.  No amount of money is too small to save it.
Debt-free people know that any little bit you put away for tomorrow will help you reach your financial goal.  $10, whether from your regular paycheck or some unexpected windfall, may not seem like much and not worth putting toward retirement savings so you may be tempted to spend it on some frivolous want now.  But getting into a habit of putting into savings regular small amounts can add up over the long haul(yah for compounding interest!).

7.  They set goals and can see the "Big Picture".
Debt-free people set goals, both short term and long term.  They have more focus because of their goals.  Like the snowballing debt principle(paying off debts helps you build momentum toward paying off More debt), setting financial savings goals helps you to keep moving forward with your money.  You reach one goal and that helps you stay focused on reaching the next goal.  All these interim goals eventually add up to your complete financial plan for your life.  Debt-free people don't like surprises, especially where their money is concerned.

8.  They can say No to their wants or find ways to satisfy them cheaper.
Debt-free people are good at telling themselves no yet not feeling like they are sacrificing all the joys in life.  They can deny themselves many of the "lifestyle inflation" wants in our culture that end up sucking up all that extra money people make as their salary increases.  It is very frequently that as people make more money they spend more money.  Debt-free folks are able to avoid letting their lifestyles expand at the same rate(or even a higher rate)as their salaries do.
Yet they are still able to satisfy their wants and have a balanced life by finding ways to enjoy the fruits of their labors in less expensive ways.  Find the priorities in your life and make trade-offs to achieve what is important to you.

9.  They know what everything costs them, not just in money.
Debt-free people know the value of a dollar.  They understand how hard it is to earn those dollars and how much of their life everything they have to pay for costs them.  When you think about that $500 designer purse you lust after as not just $500 of your money, but you having to work for 30 hours for to afford to buy it, does it still feel so appealing versus 30 hours of your life?  If you stop buying $500 purses, how many less hours over the course of your lifetime could you work and be able to do some activity you enjoy more than working?  Could you have retired years earlier if you didn't spend money on "things" you don't really need and spent your time how YOU wanted to instead of slaving for a boss?
Debt-free people know that things cost you in time out of your life, not just in money.  Money is merely a tool to get you somewhere you want to be in life.  The hours of you life are FINITE so spend those judiciously.

10.  Their values are different from most of society's values.
The majority of debt-free people value people more than things.  I'm not talking about the 2nd generation wealthy who have always had wealth, though some of them also value people more than things.  Most Debt-free folks have different priorities in life than our society.  Money is not the "end all" and "be all" in life.  Sure money is important, but it is just a tool.  A too that when used effectively can help give you a happier life.  It can take care of some problems in your life and keep stress away when you have enough money to avoid financial problems in life.  It's a tool to give you time with the people you love and help you to keep them healthy and happy and use it to make their lives better. 

So what do you think of  this list?
Doable?
Or a Load of bullshit?

I didn't always have these habits.
They have evolved over the years.
Some where naturally easier for me to take up and some have been difficult......very difficult in some instances.  Like the money only being a tool to happiness and not the end goal in life, to just have money.

These aren't hard things to do if you just keep trying them.
They say an action only becomes a habit once you've stuck to it for 30 days or so.
That's all it takes to get it to become routine in your life.

Anybody can form a habit at any time in their life by just sticking to it for 4-6 weeks.
But it's all about WHAT we want to become our habits.
Try picking one of these 10 characteristics above and focus on making it a habit in your life for the next 30 days.
If you need support don't be afraid to ask someone for help too to keep you on track either.

If you want to be debt-free DO what the debt-free do.
A better life is in your hands!
So why not start now toward the life you want.

Sluggy

Thursday, February 6, 2014

Uh oh.....Anybody Know The Answer to This?

Calling any tax geeks out there reading this!
I'm talking the Educational American Opportunity Credit and the Lifetime Learning Credit things specifically.

Last year I got 2 1098-Ts from Daughter's colleges(she attended 2 different colleges in 2012)...so I have 3 semesters paid for in 2012--1 Spring Semester for Clarion and 1 Fall and 1 Spring Semester for the local community college.  The CC billed her for the Spring 2013 Semester in November of 2012 and I paid it in 2012, not 2013, so that is why we have 3 college bills paid for her in 2012.

Then she dropped a class in that 2013 Spring semester before it began and we got a $960 refund on a piece of the tuition we paid.
So when I paid the taxes in 2012, went ahead and reduced the amount the Com.College said we paid for 2 semesters in 2012 by that tuition refund.

Last week I got a 1098-T from the Com. College for 2013 with Box 4 checked, displaying that $960 refund, and it said I had to do a recapture(repayment)of the AO credit I received in 2012 on our 2013 taxes concerning that amount.  Except I had already reduced our credit by this refund.
So I am good to go and don't have to do this.

But when I went looking at the figures for 2012, to make sure I had accounted for this reduction in what we paid for tuition,  I found that I had under reported the amount of the AO Credit we were due in 2012!
Yes, math nerd me, claimed $1,800+ inside of the $2,800+ for that school's Tuition payments in 2012.
So basically my credit should have been higher and my taxes lowered n 2012.

The question......if you report too much credit, of course the IRS wants you to pay more in taxes(since you own them), but is there a device in place, if you under reported your AO credits in 2012, to give you credit for it in 2013 taxes OR would have I have to file a FULL amended tax return for 2012 to get my proper credit?

And if I have to do the latter(re-file the whole enchilada for 2012), is it worth the trouble?

I am so over doing taxes right now!
Come on American, just call your Senators and get them to endorse the HR 25 fair tax bill already!

Stop the Madness!
Abolish the IRS!

Sluggy

There's a New "Boy" in the House!

Before y'all get all excited, no we didn't get a new dog(Bite. Your. Tongue.)nor did we go adopt a child.

But there IS a new boy in the house.........

A Carboy to be exact!

This glass container, known as a carboy and used to brew spirits, has been sitting in my powder room under the sink for about 5 weeks now.
It is filled with fermenting Scottish Ale.
This means that my powder room smells like a brewery.

Hubs got an itch around Christmas time to try brewing his own hooch.  He asked for books on the subject and then, when he got an unexpected bonus at work, he decided to splurge a little and go out and buy a complete brewing set-up and a kit for making a batch of ale.  $300 and many hours in the kitchen turning it into a dirty dishes disaster zone, the picture above is what resulted.

Last weekend, the carboy got emptied, as the beer was ready for bottling.....

 

Just emptying the beer from the carboy into the pale with the spigot took quite awhile.....


The bottles were sterilized and awaited filling......


The bucket is all filled and just waiting on the attachment of the hose and the filling wand.....


Hubs decided to fill on the door to the dishwasher, as this can be a messy procedure.  That way, any overflows can be dumped into the dishwasher for easy clean up.......oh goody!, a dishwasher that smells like beer too!......



After the filling was done the capping process commenced.  Here are the bottle caps awaiting use, soaking in vodka.  And no, I didn't drink that leftover vodka after we were finished with it........vodka and I don't get along as my milkshake in Pittsburgh showed me......


Here is the beer all bottled and capped......


Hubs got 43 bottles out of that batch of ale.  He made 5 gallons but you do lose some along the way, due to not wanting to suck up the dead yeast in the bottom of your fermenting container, checking the specific gravity during fermentation, sampling, etc.

Now it is sequestered back in the powder room, wrapped in black trash bags, inside boxes(to keep the light out) until the final fermenting finishes.  The unveiling of Hub's first batch of home brew should be ready to imbibe in about 2 weeks.

Sluggy

Wednesday, February 5, 2014

This Week on the Dining Table



It's the "I'm 2 Days late & For Pete's Sake, Enough Already with the Winter Weather!" Edition
 
 
Here is what was planned last week---
 
Sunday--Breaded fish fillets(have), Roasted Cauliflower(have), Coleslaw(have)
Monday--Free Birthday Burger at Red Robin, #2 Son's burger out of Entertaining Budget, Hubs has leftovers
Tuesday--Chicken and Mushroom Parm(have), Pasta, Green Salad(have) with Feta Cheese(have)
Wednesday--Roasted Chicken(have), Assorted leftover side dishes(have)
Thursday--Leftovers
Friday--Quiche(in freezer), Asparagus(have)
Saturday--Leftovers
 
And here is what actually happened---
 
Sunday--Breaded fish fillets(have), Roasted Cauliflower(have), Coleslaw(have)
Monday--Free Birthday Burger at Red Robin, #2 Son's burger out of Entertaining Budget, Hubs had leftovers or burritos at home
Tuesday--Take-out Burgers & homemade Salad....you would think that I was full on burgers after the night before!
Wednesday--Pizza, Sugar Snap Peas w/Red Peppers
Thursday--Chicken Parm, "Sketti" for Hubs, Green Salad w/Tomatoes
Friday--Leftovers(Cauliflower, Coleslaw, Fish, Pizza, Sugar Snaps, Sketti)
Saturday--Leftovers-only 1 home to eat, Hubs/#2 ate on the road
 
The Mushroom Parm, Roast Chicken, Quiche didn't get served last week.
We had decidedly too much "convenience type food" last week.  The Parm & fish was pre-breaded, the pizza was frozen from a box, and burgers were out of a sack from BK. bleh.  I feel so bloated and this week it's back to more home cooking, but from scratch!
 
I spent a total of $103.87 on all food/toiletries spending last week, only since Feb. 1st and those trips to Rite-Aid the last few days of January where I used $ from February's budget.  The value of said goods was $336.32 regular retail, so I realized a 69% savings rate!
Go.
Me.
8-)))
 
Going into the new week here are the leftovers we had.......cauliflower(Hubs ate today for lunch), sketti(ditto), pizza.  Fresh produce to use....asparagus, rutabaga, sweet potato, collard greens.
 
Here is this week's meal plan---have of it's already been served---

Sunday--Leftovers or FFY(I was the only one home)
Monday--Tuna Noodle Casserole, Grilled Asparagus
Tuesday--Kielbasa and Onions on Rolls, Brussell Sprouts
Wednesday--Roast Chicken, Collards, Smashed Rutabaga
Thursday--Eating Out, #2 away at District Band
Friday--Chicken Fajitas(using leftover chicken from Wed.)
Saturday--Roasted Sweet Potatoes and Leftovers of FFY(Fend For Yourself)

That makes 4 new meals, 2 leftover or planned over meals and 1 meal out.

What I need to purchase for this menu?.......nothing since I went to the  $ store, the Bakery Outlet & Walmart (again!) on Sunday and am OOP $51+.

I need to look at the sales ads a bit closer to see if I want to pick up anything else this week, you know loss leaders....if the weather clears up long enough to shovel out and go somewhere before the next storm is due to hit.
Otherwise, I won't be shopping again this week and we'll make do with what is here, as ther eis plenty.

What is getting fixed and served at your house this week?
 
Excuse me while I go try to finish thawing out my chicken.  I removed it from the freezer on Saturday and it's still hard enough to do damage if you hit someone in the head with it. lolz

Sluggy

Tuesday, February 4, 2014

He Has Already Checked Out of High School



It's been a good few days here at Chez Sluggy.
No, I am not talking about the snowy weather....Lord knows that is pretty but a bear if you have to go out in it....plus it's too danged cold for me this year.

I am talking about #2 Son here......he's had a good few days.
And you know what they say--If your teenager is happy, YOU are happy.
Or rather, YOU are relieved that you don't have to deal with as much drama, eye rolling, 'tudes, obstinance, defiance, and the like.

#2 Son had 2 college auditions this past weekend.

While many college-bound kids this time of year have already completed their applications and some even HAVE heard back on whether they are accepted or not, if you have an artistic type kid, they are still in the throes of the process.
Among the many hoops the college "dog and pony shows" make teens jump through, the art(fine, music, theatre, dance)student has an additional hoop to tackle--the Audition or Portfolio Submission.

#2 Son got 1 acceptance letter weeks ago(about 3 weeks?)from one of the four schools he has applied to.
One of our fine state schools, Mansfield, welcomed him into their fold, even before he had an audition.
Of course, this was just a general admission to the University, NOT an offer of a seat into their Music program, which is why he has to audition.
So even if he isn't accepted as a Music major, he can still go here as some other kind of major other than a Music one.  This was NOT welcomed news to #2 Son at the time.  He's an "all or nothing" type of fellow. 8-)

But I digress.....

This weekend began the month long audition process for #2 Son.  He has 4 auditions at 4 schools spread out over the first 3 weeks in February.

Saturday was the first, at Temple in Philly.
I was so anxious that it go well, being the 1st one AND the fact that Temple is his #1 choice at the moment.  It is also the school with stiff competition and not exactly a sure thing for him to get in.  He has the grades but his SAT's aren't the best and the music program is tough to get into.

His dad took him on Saturday and #2 Son thinks he did well and he came home with his spirits high.
Nothing more to say here as nobody gave him any indication on whether he gets the "thumb up or thumb down" on admission here.  We just have to watch and see what arrives in the mail.

Then on Sunday, they left for an overnight to that state school I talked about earlier, Mansfield University, so they would be there Monday morning for his scheduled audition for that school's music program.

While it's a state school with rolling admissions(not exactly tough to get into academically), reading about this school's music department online got me nervous about his odds of making it.

From the college's music program website.....
"We target enrollment for every studio, with an average of four or five seats opening up in each studio annually. Our average freshmen class is approximately 70 students."

That means each year they take 4 or 5 freshman per instrument and the music department's freshman class is about 70 in total, from a pool of about 300 applications.  So #2 Son had a 30% shot at getting in but that could be made better or worse depending on how many of those 300 others prospective students want to study flute.
And flute tends to be a very popular instrument for study. 8-(

So I crossed my fingers for him and waited until Hubs called me when it was over and they were on the way home.

#2 Son feels very positive about how he performed at this audition as well.
It didn't hurt that I let him attend the Summer Music Performance Camp they held last year and he worked with the Chair of the flute program then.  Plus she remembered him from that.

#2 says that they had a conversation and things were said to lead him to believe that he should be expecting a FAT envelope about their decision by the end of March. ;-)
I so hope that's true for his sake.

Which now means, going into the last 2 auditions #2 Son possibly has one in the proverbial bag already.
Though it's not his first choice if he gets into all 4 schools.
That would be Temple....at least it is, this week.
Next week?....who knows?! 8-)

So in 2 weeks Hubs takes him down to Richmond to his audition at VCU.
Virginia Commonwealth U. has what is considered one of the finest arts programs in the country at the moment.
It is his stretch school so we are just hoping for the best there and I'm hoping no matter the outcome, he has a positive experience.

Then a few days later it's time for #4 on the Audition Hit List at a local private school, Marywood University up in Scranton PA.

That's his "safety school".....sort of.  But we have hit a complication snag of sorts there because #2 Son doesn't "test well" and they are quite arbitrary about their statistical "requirements".  He wants to be a music education major at that place, however the education department has decided that he is 20 points from an arbitrary SAT score and will not admit him as a freshman education major...even though he has a 3.75 in his high school academic work.  He would have to go in as a music performance major and after successfully completing his 1st semester with a 3.0(B) average, he could transfer into that program and change his major.  So basically he has to prove himself because he doesn't test well on standardized exams.

#2 is NOT thrilled by this and I just rolled my eyes.

Between this "wrinkle" and the fact that he would have to live at home(what 18 year old wants to hear that?!LOL)to be able to swing this college financially, Marywood is on the bottom of his Favorite's List.
Can you blame him? ;-)

At any rate that is were we are with the Audition process at the moment.

#2 Son is having a hard time staying focused on high school at this point.  He has already checked out of high school emotionally.  He's spent a lot of time dealing with working on his pieces for these auditions, in addition to 2 school bands(concert and jazz)rehearsals, his garage band in his free time, plus keeping up with private flute lesson work.  Plus he had District Band auditions and practicing for that thrown into the fray!

He's having a hard time concentrating on his academic high school work now too.  He just wants that be done already, even though we keep telling him he has to "run through the tape" and not just meander up to the finish line to his high school diploma.

He is SO ready to just get on with the rest of his life, no matter where he ends up going and what he ends up doing.

I am ready too for him to be in college I think(living AWAY from home), if I don't think too hard about all that money we'll have to pony up when he goes.
Yes, we will get to spend a lot of money so he gets a degree that guarantees that he will be unemployable.  ;-)

Now it's time for me to get that FAFSA done, though in our case, it IS rather pointless......lolz

Sluggy



 

Monday, February 3, 2014

$24K Savings Challenge.....January Update

Every year I keep a close eye on our monthly expenses and our monthly income.
Our income is mainly the salary my Hubs draws from his job.  We have money taken off each paycheck from the top to put into savings, before we even get our hands on it.  This money that's taken goes into various pots....life insurance, health insurance premiums, long term care insurance premiums, investments and retirement savings.  It's automatic so we are never tempted to NOT put it into savings.

Once the automatic savings amounts, plus taxes and medical/dental/vision premiums are taken out, it leaves what we get to "live on".  From this amount we budget for bills, both monthly and irregular bills(semi-annual, etc.) and our variable bills(like food, eating out, etc.)  Anything left over once our monthly expenses are paid, I put aside into a Savings Challenge. 

For 2014 I am continuing my Yearly Savings Challenge.  I am raising the Goal amount slightly to $24,000 this year, $4K more than my goal for last year.


On to the January report.....

I have posted my January End of Month $24K $AVING$ CHALLENGE Totals.
Check out the Savings Challenge page tab at the top of the blog for the specific numbers.

I have 2 goals each month.....
The 1st is to actually finish each month in the black and not the red.
The 2nd is to hit the targeted savings amount of $2,000.

I have to report that we finished up January with very little spare money to put aside.
The extra cash amount we ended the month of January with?.......$205.32.

Income
We had $142.78 left over from our income after our monthly expenses were deducted.
 
Other monies received in January totaled $62.54.  This brought us to our gain of $205.32 for January.
Since we have no debt anymore, this goes into savings.

Outgo
As for the expenses this January, here are the good and the bad side of things....

HERE are the GOOD THINGS
 
*  Water and Phone were the same as December's totals.
*  I spent under $300 for food/toiletries in January.
*  The credit card bill was $300 less than December's bill.
*  The Cash withdrawals were $531.50 less than December.
 

HERE are the BAD THINGS
 
*  The cable bill went up $5 per mo. after having been reduced by $5 for the last 6 months of 2013.
I believe they need to be called up and talked to.
*  The electric bill was $67 MORE than December's bill.  Ok, it's a Polar Vortex thing.
*  The garbage bill(which I pay quarterly)was paid.
*  An unexpected car repair bill of $982.59 paid in January.
*  Some extra credit card charges(store card & Hub's Discover) of approx. $94.
 
The Food Budget costs for January are in another post, which is located HERE. 

The 2014 GRAND TOTAL.....
With 1 month accounted for, our Savings Grand Total for 2014 is $205.32
Not a very auspicious start to the new year and nowhere near the $2,000 I need to put back each month.
Usually we do better in January and have at least $1,000 extra income after the bills are all paid.

In other financial news--
I figured out how much of my Savings Challenge from 2012 is left now(since in 2014 it is no longer being used as an emergency fund, like it was in 2013)and can be put into "permanent savings" mode.
Of the $28,907.08 we saved in 2012, $23,611.66 was spent in 2013, leaving us $5,295.42 to throw into our permanent savings.  Not very much savings realized at the end of it all.

Our new emergency fund is the amount we saved in 2013, which totaled $24,033.60.
So we are off to 2014 with a nice sized fund for all those nasty surprises that might happen during this year.
 
 
Looking ahead for February......

*  I will continue to do this Savings Challenge and report in each month on how it is going.
 
*  Hubs and I still need to sit down and go over how we did with the bills/savings in 2013 and see if there are any areas we need to cut back.

*  The car insurance is due in February and the bill is here already.  It's over $1600 for 6 months.
bleh.  We have been paying our oldest son's car insurance bill for the last 6 months(as he transitioned into the workforce full time and being on his own).  He was suppose to start picking up the tab on his share in February.  This might not be happening as he is looking for a new job and he may be unemployed very soon or even more underemployed than he is now.
If anyone wants to tell me that the economy is improving, just go tell someone else because I don't want to hear it! 8-(

*  February, historically, has been a higher expense month for us.  Besides 6 month's of car insurance being due, we usually have a fairly large credit card bill(that gets paid off) and of course, paying out of pocket for all medical bills still, since the deductible hasn't been met for the year.  And our deductible went up $1K this year so I am not very hopeful that February will end with us still holding much cash.  But there is always March and a new month to do better if February bombs out.
 
So how was your January financially?
  
Did you spend less than the income you had in January?
Did you stay within your budget or not?
Did you pay off any debts or put extra toward your mortgage principle?

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

Sluggy

Sunday, February 2, 2014

Food & Toiletries Spending.......January Totals


Onward to January's food spending report.......



Here are my FOOD BUDGET spending totals for JANUARY 2014.

I have posted January's totals on the Total Grocery Savings for 2014 Page located HERE and have updated the Yearly Totals there.
I am listing subtotals for each store I purchased from in January.  If you aren't interested in that much detail, just skip to the bottom for the Totals Summary.

My spending includes Food, Toiletries/HBA, Pet Supplies, Cleaning Products, Paper Goods & tax where applicable. We are a family of 4(3 at home this month)& 1 dog. No kids under 17.
******************
RITE-AID
OOP  $1.71
Qs/Ads/+Ups  $75.37
Value  $77.08
Savings  97.78%
 
SHURSAVE STORES(small local independent affiliated stores)
OOP  $106.10
Qs/Ads  $68.24
Value  $174.34
Savings  39.14%

WALMART
OOP  $0.00
Qs/Ads/Gift Card  $86.90
Value  $86.90
Savings  100%

WEIS MARKETS
OOP  $189.56
Qs/Ads  $147.66
Value  $337.22
Savings  43.78%

*********************
My best 3 Store Savings Totals were Walmart at 100%, Rite-Aid at 97.78%, and Weis at 43.78%.  My WORST savings rate was 39.14% so I think I did exceptionally well in January on the value of what I got!
I shopped at 4 different stores this past month.


TOTAL Out of Pocket........$297.37
TOTAL Coupons & Store Sales Savings...$298.17
TOTAL Value of Items Purchased............$595.54
TOTAL Savings of...................................50%

This closes out the January food/toiletries spending.

THOUGHTS & COMMENTS for this month.....

I went into January wanting to cut my food/toiletries budget by $100, to $300 budgeted for ALL purchases.  I accomplished that feat in December so I wanted to try again this month.
I met that challenge.
Go me! 8-))

That $100 on a long ago paid for gift card I spent at Walmart went a good ways toward achieving a 50% savings rate in January.  Don't be expecting me to have more months as good as this one! lol

(Of course I DID withdraw some Feb. food spending funds the last few days and used it to get some deals on the February tab that weren't going to be around to get in Feb.  But that spending will be accounted for in the February Spending post.)

LOOKING AHEAD TO FEBRUARY......

Of course, I doubt I can sustain a $300 monthly food budget long term. 
I am going to try to come in under $300 on food for February but if I go over into the $400 range I won't be too upset, since $400 is my normal spending set point.

I will say that I found eating relatively healthy AND still keeping your food spending under $300 is HARD WORK!
It takes more planning, comparing and getting to certain stores, it takes changing your eating habits at times(having the same thing over and over or something you didn't really want to eat).  If I had to keep on a strict regiment of $300 a month due to income restraints it would wear on me.
To have to do it in the short term is interesting and a challenge and something I can get "into".

I don't know......am I just plain crazy to want to try to reduce our food spending by 25% of our usual budgeted amount....and amount which seems fairly LOW to begin with?
I have always been up for a money challenge I guess.

I figured with spending under $300 on food/toiletries this month, my Entertainment/Eating out spending would have been proportionately higher, right?

I tallied up our Eating Out spending for January and it came in at $96.86.
We ate out 3 times this month and had take-out twice, plus there was $ I gave to #2 Son for a run to McDonalds accounted for in that total.

Much of our meals out was paid for with free birthday certificates and one whole meal for 2 was comped at Lone Star.  Even with me eating for free at 3 restaurants plus a free pizza at one of those 3 restaurants, we still spent $55.93 at those 3 places.  That amount was for tip & drinks at one, just the tip where the meals were comped, and tip, salads and drinks at the third location.  Then $7.93 for #2 Son at Mickey D's.
$96.86 is not a lot to spend for 11 individual adult sized meals out + tips, but if it hadn't been for birthday meals we probably wouldn't have gone out/ordered in 6 times.

We have substantially cut down on our eating out spending for January.  That is a good thing..... 8-)

Without the Rite-Aid totals added in, my January Savings Rate is 43%.  Achieving a savings rate in the 40's is what I shoot for, with or without shopping at Rite-Aid.
 
If you have other ideas or guidelines you follow please leave a comment and share yours with us all.
 
The average monthly food/toiletries spending this year so far is $297.37.
 
How much did you spend on food/toiletries in January?
Do you track your yearly food spending?
 
Sluggy