My brain is just a big mishmash of stuff right now. Here’s a little bit of what’s on my mind:
I haven’t been cooking much lately because I haven’t been motivated, and it’s been too hot to cook on some days. To combat this, I’m going to try “once-a-week” cooking this week (a smaller version of ‘once-a-month’ cooking). I’ll plan my menu and go shopping today and I’ll have a big cooking session tomorrow. We’ll see how this goes! Any ideas for what to make?
My husband’s employer has a group legal plan that we can opt in to for about $15.50 per month. I believe you have to buy a whole year at a time though, so that’s roughly $186 for the year. Open enrollment is in October, so we still have time to decide if we want to opt in this year. We would like to get our wills in place, and though we can probably do it ourselves by acquiring legal forms online, I’m kind of leaning toward meeting with an attorney to get this done. What did you do when you got your will? About how much did it cost, if you don’t mind sharing?
I’m organizing our guest room (soon to be our baby boy’s room) and I’m trying to motivate myself to sell some things on eBay or on craigslist. It’s hard to get going on these tasks, but they really need to get done. I’m hoping to clear out a large stash of stuff and make a little bit of money. It’ll be worth it (I hope)…I just need to get going!
We’re finishing up the last little bit of our emergency fund. Just about six percent to go! We’re keeping 90 percent of it in our high-interest ING Direct savings account and 10 percent of it in a savings account in our brick & mortar bank.
I can get cash from my ING account since I have a debit card, but that would require me going to an ATM. In addition, I would only be able to withdraw $1,000 per day at an ATM with my card. If I needed to use all of my emergency fund at once (let’s hope not!), I would have to be able to use my debit card or transfer it to my brick & mortar bank so I could write a check and wait about five business days for it to clear. I could have ING draft a paper check and send it to someone if needed, but that would only work in certain situations. When we had an exterminator come over to remove some wasp nests, we had to hand him a check–we couldn’t just tell him it would be in the mail.
Long story short, that’s why we’re keeping 10 percent of our emergency fund in our brick & mortar checking account, so we can have instant access to a decent amount of money. If we needed to tap the fund due to loss of income, we could afford to wait a few business days for it to transfer. For other huge emergency expenses, we could potentially use our ING debit card.
Shane and I would like to see a show here in town. Wicked is playing but we didn’t get tickets fast enough and I’m worried that our seats would be too crappy to be worth it. I’m fine with paying $70/ticket for an amazing show, but only if I’m close enough to the stage to actually see it, you know? Mamma Mia! is going to be here for a few days and tickets haven’t gone on sale yet, so maybe we’ll see that. We’re also looking into buying tickets to see a Steelers game sometime this season.
And for the record, we try to live frugally by keeping our regular boring expenses low (gas, food, etc.) so we can feel free to spend money on things that are important to us. Who cares if we spend $150 to see a show or a football game? If we’ve budgeted for it, we’re going to do it guilt-free. After all, that’s the frugal way!
So that’s what I’m working on lately. I’ve been doing some little projects and updating my happenings on Twitter. Hope you’re having a lovely day!