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It's already been a spendy month. Last week I had a tooth extracted and bone grafting done to prepare for an eventual implant. Everything went well and I'm healing nicely. But, even with dental insurance this is very expensive. So far I am $626.80 out of pocket with more to come. This will be paid from my emergency/savings fund. 
I also went to an orthopedic doctor last week for an evaluation and treatment of my elbow. I've been having a lot of pain in it for a few months...
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I had a few things come up so I couldn't make my semi-monthly payment of $160, towards the student loan. I paid only $100. 
This is one thing that freaks me out, what if I can't make the payment when things kick back up again. I pray all goes well. 
I am making a little less, but I like the new job. Sometimes it's not about the money but our peace. 
Inflation is definitely here, my grocery bill has skyrocketed. I use to budget $200 a month, now it's about $80...
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Yesterday I met BFF in the halfway city. We celebrated my recent birthday at a Bob Evans (haven't been there in ages!) and then shopped. I had some birthday coupons to use. I spent $22 at Kohl's for a hoodie and I bought a stocking stuffer for $2 at DSW. That's it! BFF treated for lunch and for ice cream afterwards at Cold Stone Creamery.
Today I'm going grocery shopping. There are three Mondays left in the month and I can only spend $13 on each of them to stay within my limit....
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I’ve been sharing with others that the interest on student loans, and repayments are scheduled to start back up with interest accruing first in September, followed by the  first payment due in October. 
 
Though I can only worry about myself ( I haven’t stopped paying), I’m still anxious about this happening. I’m scared, anxious and  nervous and I don’t know why. Maybe because no one is talking about it. I’m in...
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DH got a raise!  Neither one of us was expecting it after last year's raise-a-paloosa.  It's more than a cost of living raise of 2% which everyone got at least that much, but somewhere around 3.2%, so a bit higher.  They are trying to create a new position for DH that doesn't exist yet, and that may take until next year, and with that should come another pay bump, but I'm not counting chickens.  This was a nice, unexpected raise of $5200 a year.  I don't...
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I'm praying for those in Maui, this is so heartbreaking 
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I got a lot accomplished today and still have a good part of the day left. This morning, I:
1. Worked out at the gym.2. Stopped at the dollar store for 2 items which I refuse to overpay for at Big Y.3. Went to Home Depot and purchased a window well cover for a basement window (found a toad stuck in there once already) and a small bag of grass seed.4. Stopped at Big Y for just a few groceries.5. Filled up the gas tank at BJs.6. When I got home, since I'd spent several days digging...
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My eye doctor's appointment was the best. My eyes have not changed appreciably. I do not need glasses for distance vision, my cataract is still very small, and my retinas are in good shape. The appointment did not cost me anything because it was covered by my Medicare Advantage plan.
The next day I went to my GP about the pain in my knee. He referred me to a walk-in sports clinic, and I went there right away. They x-rayed my knee, and the verdict was that my meniscus was fine...
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The 18 month CD rate at Capital One is now 5.15%. I don't know if I want to lock up my cash right now as I think about buying a home, but it's very tempting. I don't quite have the $10k that I like to have as I ladder my CDs. I'm at right about $8k. If they still a have this rate at the end of the year I may consider the longer term. Right now I have two 11 month CDs at 5.0%.
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This isn’t a post about finances but how I’m feeling. I looked in the mirror and I wanted to cry. I have put on so much weight. This is the most I’ve ever been. I’m so disgusted. 
 
My goal is to hit 10k a day, starting today and I did that. It was a struggle and I’m sore but I got it in. I also ordered a few healthy meals. I hope this works 
 
I can't believe how big I've gotten. 
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I have tried to write about my experience in the hospital numerous times and one thing or another has led to my draft getting erased, usually be the computer restarting itself.  My computer is falling apart.  It has lost some screws so the hinge isn't working properly which sometimes knocks out the cord and I'm not getting a low battery warning.
Anyway, the angiogram was a horrible experience.  My arm and wrist are not back to normal 4 weeks later.  Driving...
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Though eating out appears to be less expensive, in some cases, than eating in, I have managed to eat at home since August has started. 
I'm hoping to reduce my food bill this month. I shopped yesterday at Trader Joe's, which is far less than our local grocery store. 
Things have gotten so expensive. It's times like these that I really miss my dad, he grew all sorts of fruits and vegetables, I don't have a yard to do so. I think I'm going to look into a raised garden. 
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Yesterday I went ahead and ordered the AC frame from Amazon, also some double-sided tape and weatherstripping. I also bought a professional-grade squeegee.  All because of window-washing and all the juggling around I have to do because of it. The screens and storms are now out, and the AC units sitting on the floor. Thank goodness it is not too hot, because I am sealed in here. And the washers have not even shown up yet.
I also threw in a phone grip, because I keep on accidentally...
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Well on my way to visit my friend I felt water dropping in my foot. I’m two hours away from home. I pray this is not something serious. I’ll call the mechanic on Monday. 
wendy to check in at the hotel and my reservations were not made. It looks like I never hit saved. Thankfully we got a room. 
 
When it rains it pours 
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Debts
Mortgage −$114,129.10 (-$245.11)Land Loan -$9,543.59 (-$228.86)Hospital Bill - $816.41 (-$75)
Savings
Roth IRAs +$27,892 (+$858)401K +$54,311 (+$2,074)Emergency Fund +$6,085 (-$906)Animal Fund +$269 (-$1,095)Car Fund +$20 (-$0)HSA +$484 (+$385)
Overall: +$1,864.97
Up from the market. All cash accounts are down. On average we are spending over $300 a month more than we make this year. Which is NOT good. Unfortunately there just aren’t a lot of places to cut...
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I’m going to visit a friend who has cancer, as I mentioned before, fear often holds us back. It’s a two-hour drive and I’m fearful to take the ride alone so my ex is going. I’ve got to jump out on faith and just do things. 
 
I rented a room for one night, which cost $82. I could have stayed with my friend but she has cats and I can’t stand them. 
 
I was lucky to get a room at a reduced rate using a few points. Well my ex wanted...
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I bought my home a few years ago, and ever since I’ve started making payments, I always pay a little extra extra towards the principal. Sometimes it’s $10, $800, $60, it’s always something. I swear this was/is the best decision I’ve ever made financially. My goal is to have my mortgage paid off early, and I think it’s going to happen. 
 
When mortgage rates were low, I refinanced. I was nervous as hell to do so but I did. I did some research...
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Well we renewed our lease for another year it is just to much hassle to move right now especially since we still have my mom and nephew living with us till they find a rental (has been 11 months) and it also gives us some time to save towards a house deposit and the rent only went up by $20pw. We also want to go through and declutter when they move out as my hubby can't do a lot of things that he use to since his cancer treatment so will sell a bunch of it...and my daughter is...
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August is starting out with some mild spending. I spent $31 on groceries ($11 over my limit). I'll have to make it up later. I also spent $6 on reusable straws. This was at Aldi. I've spent $4 on laundry, $42 on OTC medications, $12 on dryer sheets (from Sam's), and $16 on clothing from Goodwill -- two tops and a pair of exercise pants, very good buys. 
One of my window air conditioners has pretty much lost its accordian side panels. They are falling apart, and when my son...
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