Sam Squared

                                                                    For my Friday posts, I copy a previous week, delete the old and update as I go along the week. This helps me add as the week goes on. Here's my recap of Friday, July 10 to Thursday, July 16. I just sort of list things as they come up. Use it Up/Avoid Waste  While we had planned just happy hour food before concert, a series of issues with hotel disrupted that plan so we grabbed quick food before taking shuttles to the venue. Both sister and I had chicken tenders and while food was expensive portions were large. Between the two of us, a full order was left. We saved in the room refrigerator for my niece to take home.(Big eating teenage son!) Edit: She left forgetting in refrigerator so I popped in my cooler, then freezer at home as not sure...

      We've got the heat dome again, today will be in the mid 90's and no reprieve intil possibly Sunday says the meteorologists. Poor pup is not a fan but he gets out frequently. I just met my daughter for grandpup and he had a play outside while its cooler. I watered the cucumber pot and tomatoes, the beans too but think they're done for. I got both dogs on walks as well, all before 7:30. I was slow and hermit like. I did some tasks, read, watched both Wimbledon finals and World Cup matches, and didn't venture farther than the park, though took several walks. I did a few rounds each day of my PT exercises for my hip. While the stabbing pain is gone, I'm still struggling and bit.      The cats are still with me and this one's going to have a hard transition I think to living where someone isn't home most of the time. Where Little Miss likes her quiet places, this guy wants cuddle time on demand. I sit, and he jumps in my lap. Maybe it's because he's...

                                                                  For my Friday posts, I copy a previous week, delete the old and update as I go along the week. This helps me add as the week goes on. Here's my recap of Friday, July 3 to Thursday, July 9. I just sort of list things as they come up. Use it Up/Avoid Waste  Made a small bit of  broth and took the minimal chicken off bone from last Thursdays rotisserie chicken. Used bits from discounted cheese curds to bulk up with carrots, celery, and bow tie pasta for  small pot of soup. I froze a couple portions of it as well. My freezer is getting quite filled with 1-2 portion freezer meals. Avoiding Spending/Saving on needs   Second thoughted myself and made a broccoli, bacon salad for the 4th when I was going to be lazy and pick up from the del...

      This describes my perspective on spending right now beyond needs. Maybe I just have particular spending patterns that align where inflation has hit hardest, but I shake my head each month on the difference from a year ago. Thank goodness I was able to save a significant amount from my house and car insurance, but with new expenses for pup and everything else skyrocketing, I'm being cautious.      Not that I'm going cold turkey on spending. I still want nice experiences, good and healthy food, travel again at some point, and there's things that need replacing or repairing around the house. I won't go into the details of my exact budget, but I'm focused on keeping with the adjusted retirement budget of 70% needs, 20%wants, and 10% emergency/unforseen expenses/cash savings (from the former 50-30-20). I'm also determined to not give myself a cost of living adjustment (COLA) from my retirement. I'm squeezing that 20% wants allocation and that includes cont...

      I don't think I made good use of June. To be fair, three of my plans were weather dependent and as fate had it, canceled due to pouring rain and some thunderstorms. This doesn't  include the everyday life things like pet care, garden and yard, cleaning, grocery and meals, and life admin. I'll seperate into three chunks to wrap up. June 1-10 Happy Hour with a friend I don't see often Helped son get u-haul van loaded  at my friends moms ( and a nice catchup with friend and mom after) Zoom workshop by my daughter  June 11-20 Family book club Mom's book club Started PT (3 more sessions scheduled including this morning, just got a call and it'sbeen cancelled, so now probably just 2 more wirh an email consultation)  Happy hour with old work colleagues  Helped son with a few organization things then treated to tacos  Day trip to cabin with pup June 21-30 ( I was really hard pressed to come up with anything to share to end the month as between ...

 We have a nice blog community and when folks leave, I  know people often check in with each other. On her behalf, this is from Rhitter, Coffee with Rhitter, who's not ready to resume blogging, but wanted to share an update. " Hi Everyone - This is Rhitter. I've asked Sam to provide a life update. First of all, I am okay. Not great, but okay. I withdrew a significant amount of money from my 401K to pay my debt off. Now, I am fighting with the IRS to get a refund. (I should not have withheld so much). That's okay. But the biggest life change is that I moved into my own place. My apartment is a five-minute walk to my daughter's, so I am still able to help, which I do. The apartment is not perfect, but it's my own space. And I am reclaiming my independence and my health. My daughter still needs help financially, but it's nowhere near what it was. And being debt-free has allowed me to do so. Yes, I have to rebuild my retirement savings, but that is ongoing. I m...