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99 Cent Mondays

My parents go thrift store shopping every Monday.  It’s mostly a hobby for them; they enjoy the scavenger hunt that ensues in a thrift store.  And Savers stores – in our state anyway – have 99 cent sales every Monday.  Items with particular color tags are 99 cents on Monday.  So the goal is to see what they can find with that color tag.  My father likes to work on old clocks, and has found several treasures (his most recent is an old-fashioned alarm clock made of mahogany and brass).  My mother likes pretty china, and has found several complete sets of Pfaltzgraff and Lenox that retail for hundreds of dollars.  Yesterday they got a walnut table and matching china cabinet for 99 cents each.  They found my sister a couch for 99 cents a few months ago.  I think they’ve furnished half a house for about $20 over the last six months or so.  They’re remodeling two houses at the moment, so they have a place to store all the stuff they find, and they’ll have plenty of furniture for the houses once they’re remodeled.

One of the clocks my father found is a beautiful pendulum clock, but it was missing its pendulum.  Ever resourceful, he bought it anyway and made a pendulum for it.  He used a piece of metal out of the back of an old computer as the part that hangs down, and then used a flat jar lid (the kind that fits into a canning jar style ring) as the bob on the pendulum.  It looks fantastic, and when we complimented him on how good it looked, he gave it to us!!  He was planning to use some gold paint on the jar lid, but I told him I like it the way it is.  It has a “use by” date stamped on it, so if you look closely you can tell that it’s a lid – I love it!!  You can’t cover up that sort of creativity.  So now we have a beautiful clock in our living room, thanks to my parents’ thrift store outings and my dad’s creativity.

I’m not sure if all the Savers stores around the country have the 99 cent Mondays – all the ones in our state do.  If you live near a Savers, check it out and see what you can find for a buck.

Babies and Money

We got our $1200 economic stimulus payment today.  We put the whole thing into our HELOC, since we have decided to make the HELOC a priority for the time being.  We’ve already maxxed out the HSA and my husband’s IRA for the year, and instead of moving straight to my IRA, we’ve been focusing on stashing some extra money in the HELOC first.  We’ll probably do that for the next few months, and then go back to our original goal list and tackle my IRA in the fall.  Paying off part of the HELOC principal was part of our goal list for the year anyway, we’ve just changed up the order of things.  We decided to work on the HELOC for now because the money is very liquid in that account.  Hopefully we won’t need it for anything, and can just pay down the principal on the loan.  But if we do need the money, the HELOC is linked to our checking account, and we have instant access to the money.  We have our ING account emergency fund, which is up to about $1600, and of course there’s the HSA in case of a medical emergency.  But with a brand new baby, it would be nice to just have some extra money in the HELOC just in case. 

I called our health insurance carrier to add our son to the policy, and it’s going to be $158/month.  Ouch.  We were expecting about $100 – $120.  But our policy has a family deductible, which we already met this year when my husband had knee surgery, so if our baby does happen to need anything medically for the rest of the year, we don’t have to pay anything for it.  So the HSA money should be safely locked up at least until next year. 

I’m going to start checking out college savings options, and I hope to have a 529 plan set up by next month.  We don’t plan to fully pay for college for our son, since we think that it’s important that the student have a part in the financial outlays of getting an education.  But we do plan to put aside $100/month from now until he graduates from high school, which should make at least a dent in whatever college costs in 2026.

So for the time being, our expenses will increase by $258/month for sure, just for insurance and college savings.  After that, we don’t anticipate a huge amount of additional expenses for now.  We have everything we need and then some as far as baby stuff goes.  Our homemade diapers are working great, we won’t have any additional medical expenses until at least 2009, and we’ll be staying far far away from Babies R Us.  If the last few days are any indication, our other expenses should go down for a while, since we’ve barely left the house since he was born.  Our already small entertainment and eating out budget will probably actually get smaller for a while, since it’s so much easier to just stay home and have family time.  And since all we want to do it sit and stare at him, that works just fine.

Category: baby, family, goals  One Comment

Maternity Leave

I met with the HR rep for my library job this week, to go over maternity leave details.  She gave me all the forms to fill out and explained how the leave works with FMLA, short-term disability, and vacation time.  I was very honest with her and told her that I’m not at all sure that I will return to my job after I have the baby.  I told her that I’m not planning to make a final decision until after we’ve had a few weeks with the baby to see how everything is going and see how we feel then.  She said that’s perfectly ok, and that at any time during my 12 week leave I can let them know that I’m not coming back, and they will just cash out my remaining vacation time.  I asked about taking the disability leave if I don’t end up going back to work, and she said that the disability leave is a benefit that I’ve already accumulated based on the amount of time I’ve worked so far – it has nothing to do with future employment.  Right now I qualify for 6 weeks of paid disability leave at 60% of my normal pay.  Until I met with her, I had been feeling like I should not accept the disability pay, since I can’t promise that I’ll be going back to work.  But she made me feel like I should go ahead and take it, especially when she described it as a benefit I’ve already earned. 

The 6 weeks of disability pay comes out to about $1500.  I’ll also have about $2700 worth of vacation time built up – I haven’t taken any vacation time at all since I got pregnant.  So that will be helpful this summer.  It’s nice to know that I can have the baby and take some time to figure out what will work best for our family – I don’t have to make any promises or decisions either way until after the baby is born. 

Out of respect for my supervisor, I’m going to give myself four weeks to make a decision, and if I decide at that time that I don’t want to go back to work at the library, I’ll let her know so that she can post the job opening.  My disability pay would stop at that point, but I would still be able to cash out all my saved vacation time.  The lady in HR said I could wait until the day before I’m scheduled to start back to let them know my decision, but I think I will have made a decision long before then, and I don’t think it would be fair to my supervisor to let her know at the last minute.

So overall I’m feeling good about my options.  I love my job at the library, but I’m not going to put my family in a position where we feel overwhelmed.  So I’ll wait and see how things go this summer. 

Category: baby, family  4 Comments

Kitchen And Taxes Almost Done

We just about finished our kitchen this past weekend.  It’s very exciting to see it all come together and have it look just like we planned.  We still have some trim/paint/touching up to do, but we should be finished this week.  Then we need to get cracking on replacing the carpet in our upstairs.  We’re going to be making our second living room into a dining room, but we have to move the couch out of the living room and into the baby’s room first.  But we don’t want to move the couch upstairs until the new floor is in.  So for now we have our dining room table in the middle of our living room, which is a bit cramped.  It’s good motivation to get us going asap on the floors…

We gave my parents and sister gift certificates to Home Depot as a thanks for all their hard work on our kitchen.  (They put in three full weekends of work, so they deserved a lot more than we gave them).  It looks like we finished the whole kitchen for just about $3000, which is less than some people pay to replace their oven.  So we’re feeling pretty good about the whole thing.  Since we plan to be in this house for the long term, we might as well have a large, useful kitchen – and it helps that it’s really beautiful too.  But we couldn’t justify spending $20,000 on a kitchen remodel, so we’re very happy with frugal compromises we made. 

I had an appointment with our accountant today, and I think I have all of my tax questions answered.  So I should be able to file everything for the corporation this week.  I’ll figure out exactly how much I need to contribute to my IRA for last year in order to get our Savers Credit, and then I’ll e-file our personal return.  It will be so great to put another year’s taxes to rest.  I’m looking forward to just sitting down and watching a movie on a Friday night, instead of spending my evenings pouring over tax websites!

Category: family, taxes  2 Comments

Kitchen Progress

My parents and sister just spent another weekend at our house, working on our kitchen. The five of us have spent the last two weekends working on it, and it’s coming along amazingly quickly. This weekend we got the new (to us) dishwasher installed, and counter top installed around half the room. We also got all the cabinets in place, and they look great. They came from three different thrift stores and were a bit mis-matched, but you’d never know it now. My husband sanded one that was a darker color than the rest, and my parents trimmed the bottoms off some that were different heights – they all line up like toy soldiers now. My sister spent most of the day building an absolutely beautiful set of shelves in the area between where two cabinets meet in a corner. We’re feeling very loved and lucky here in the Frugal Babe household.

It’s looking like we’ll finish this whole kitchen remodel for about $3000 – $3500. The end result will be a kitchen about double the size of what we had before, with more than twice the counter space and lots of extra cabinets and storage. And a new floor, sink, faucet, dishwasher, microwave, and stove. By getting the cabinets and appliances used, and by choosing laminate counters instead of granite, we’re keeping the overall spending to a fraction of what it would otherwise be.

We put $2100 on the Home Depot credit card that we got when we started this project. Other than that, we’ve paid as we went along for all the other stuff that we’ve needed. We’ll pay off the HD card within the 12 month zero-interest period, so we won’t be paying any finance charges for this kitchen. We’re both so excited about this project, and it’s fun to see it coming together so well. It’s definitely feeling like money well spent.

How To Be An Awesome Parent

Our house is wonderfully warm right now, thanks to my parents.  When our furnace died on Wednesday, I had described the problem to them, and told my father that we had removed the igniter from the furnace in hopes of getting a replacement on Thursday (we knew the problem was the igniter based on the trouble code the furnace had been flashing). 

My parents called back that evening and said that they were going to come to our house the next day to help us fix the furnace.  They asked me to email them a picture of the ingiter that we had removed, and determined from the picture that we had actually taken out the flame sensor, not the igniter (good thing we checked…)  I was scheduled to work a full day at the library on Thursday, and had thought I’d have to go in late or leave early in order to go get the new igniter (since my husband still can’t drive because his knee is in a brace), but my parents did all the running around for us.

They showed up at our house on Thursday morning, checked the various parts of the furnace, confirmed that the problem was indeed the igniter, and went and got a new one.  They had it installed and everything working perfectly long before I got home from work.  Both my husband and I were able to put in a full day’s work on Thursday, and our furnace is working perfectly. 

We paid my parents back for the furnace igniter, but how do you put a price on everything else?  The 90 minute drive – each way – to come to our house for a day?  The crawling around under the house checking the furnace and installing the new part?  The driving around to find the new part?  The dropping everything and coming to rescue their pregnant daughter and hobbling son-in-law from a very cold house?  You really can’t, because it’s so much more than money. 

When I was a child, we never had fancy birthday parties or extravagant Christmases.  We didn’t do birthday presents at all, and I think the only reason we did Christmas presents was because my parents didn’t want us to go back to school and have to explain that we didn’t get anything.  They stopped doing Christmas presents entirely when we were out of high school.  We didn’t get cars for our 16th birthdays.  We did our back to school shopping in thrift stores, and we didn’t ever go to the mall.  Instead of trying to show love by buying us things, my parents showed us that they loved us by always being there for us.  That’s easy to say, but not as easy to do. 

I’ve tried to be very independent for a lot of years now.  I stopped relying on my parents financially when I was 19.  But we talk nearly every day, and I know that whenever the chips are down, they will be there for me, and for my siblings.  And of course it helps that they’re both very handy and can fix just about anything…

This is the kind of parent I want to be.  I don’t want to spend a lot of money on my child, just as we don’t spend a lot of money on ourselves.  But I want our child to know that we will always do whatever we can to help out when times are tough.  And if that means that 30 years from now we get to spend a day crawling around under a house trying to fix a furnace, I’ll be glad to give it my best shot.

Category: family  3 Comments

Remodeling Our Kitchen

We bought a new dishwasher today!  New to us anyway – we found it on Craig’s List and drove to the other end of town today to pick it up.  We paid $100.  It currently retails for $645, although the lady who sold it to us said that it’s about 7 -8 years old.  It’s fully digital, white with a stainless steel interior.  It has a few dings around the door, but it works perfectly, and is a HUGE improvement over the one we have, which we’re pretty sure is original to the house (1980s).  The one we’re replacing is black, missing several spikes inside (and where they fell off, the rack has some lovely rust on it), and has a knob to start it.  No buttons or LED lights anywhere. 

The people who sold us the dishwasher were getting rid of it because they wanted to switch to stainless steel.  Works for me – now we don’t have to spend $600 to get a new dishwasher.

I’ve written before about our desire to upgrade our kitchen.  We’ve lived here for five years, and have always talked about it, but didn’t think we could afford a remodel.  Then a few weeks ago I was talking with my parents about it, and they said that they thought we could do the whole thing for about $3000, if we were careful with our budget and did the work ourselves (with a lot of help from them, which they kindly offered).  They also suggested that it might be far easier to get it done now, while I’m still pregnant, than to wait until we have the baby.  I suppose a sleeping baby and power saws don’t go well together…

So my husband and I decided to go for it.  My biggest complaint with our kitchen has always been space – it’s very small – although the 20+ year old appliances and “butcher block” laminate counters don’t add much to the appeal.  I love to cook and spend a lot of time in the kitchen, so I’d love to have more space and more storage for all the food we like to buy in bulk.  So our plan is to annex the current dining room into the kitchen, and build in counters around it.  Then we can make our downstairs living room into a dining room, since we really don’t use it as a living room.  It’s more of a decoration and a spot for the cat to sun herself.  And she can sun herself just as easily in a dining room.

So here’s the budget so far:

  • laminate counters that look like granite.  Sounds tacky, but I swear they’re awesome.  My mother convinced me to go to Home Depot and check them out, and we were very impressed.  Granite started at $50/sq ft, and these counters are $16/sq ft.  We need about $70 sq feet of counter top, so about $1120 for counters. (compared with at least $3500 for granite or Corian)
  • Floor.  We have laminate tiles now.  Don’t particularly care for them.  Considering tile, but we found a sweet click-together laminate floating wood floor material yesterday, that would only cost $200 including the backing that we would need to put down.  Another option we looked at would cost about $400.  Still deciding on the floor…
  • Dishwasher – $100.  Done and done. 
  • Stove – looking on Craig’s List for glass top stoves.  Found several for under $200 but they were already sold.  We’ll keep looking and I’m sure we’ll get one for under $200 – there seem to be lots available.
  • Sink/faucets – We’re going to try to get these used as well, although I have some specifics in mind.  I’d like a high faucet and a deep sink…. Hoping to get both used for under $150.
  • Cabinets/shelving.  We will have an 8 foot section of new counter top in what is currently the dining room that will need storage underneath.  We’re looking at used cabinets, and we’re also considering open shelving.  Not sure what this is going to cost because we haven’t decided what we’re going to do yet.

So that’s the rough budget.  We’re very confident that we can do it for under $3000.  And we can afford that amount.  We can pay for it as we go (which would involve putting a little less into our IRAs for the next few months) or we can get a Home Depot credit card and use that to pay for counters, wood for shelving, flooring, and whatever misc. supplies we need.  The reason I’m considering the HD card is that they would give us 10% off of the first purchase, up to $2000.  So if we put $2000 on the card, we would save $200 right off the bat.  Then there’s no interest for 6 months.  We’ve used this sort of credit in the past (my husband’s teeth, the computer that we bought through our business account last summer) and been very pleased with it.  We’ve always paid everything off before the promotion expiration, and have never paid any interest on this sort of offer.  So I’m thinking we’ll do the same thing for the kitchen supplies. 

We’re very excited about this kitchen remodel.  We’ll keep it as frugal as possible and I’ll write about it along the way.  I’d say we’re off to a good start with the $100 dishwasher.

Category: Our stuff, family  9 Comments

A Whirlwind Week

Wow, what a week this has been.  And we don’t even “do” Christmas – can’t imagine what it would be like if we did!  On Monday, I bought a shadow box picture frame (50% off) and was up until midnight making a scrapbook page to put in the frame for one of my best friends.  I used a picture of her husband and their son, and it turned out adorable.  I mailed it on Tuesday, with lots of recycled air filled packaging stuff and crossed fingers that it would get to her in one piece.  She called last night and said it arrived and she loved it, so that was good.

On Wednesday morning, a coworker had a coffee/tea party at her house, and we went there for a little bit before heading to see our midwife for our 19 week checkup.  We had been hoping that we could hear the baby’s heartbeat, but the baby wasn’t cooperating, and we didn’t get to hear it this time.  By next time (22 weeks) we should be able to hear it no matter what position the baby’s in (we elected not to listen with a Doppler because it’s uses ultrasound and we don’t want any ultrasounds done unless there’s a medical reason to do so).

After our appointment, we went shopping our our turkey, and found an organic one at Whole Foods.  It set us back $55, but I feel good about it’s origin, so I’m happy with the price.  My whole family is coming for Christmas, so I see lots of cooking in my future.  Although my parents are coming early that day and my mother is going to help me, which is a huge plus. 

I went in to the library on Wednesday afternoon, even though I’m usually off on Wednesdays.  They needed extra help, and since we’re going to be closed on Monday and Tuesday next week, adding hours now allows me to avoid taking paid time off for days that we’re closed (I’m saving all the paid time off that I can, so that we’ll have it when the baby arrives).  I’m working this weekend as well, so I’ll actually get my full hours in for this pay period without taking any vacation at all.  And I think I have the same thing set up for next week, when we’re closed for New Year’s.  But I’m looking forward to three days off next week, since I’m working at least part days at the library for seven days in a row this week.

I finished making Christmas presents for my coworkers – I made note cards using photographs I had taken, and tied them up with pretty yarn.  I made 3 dozen cookies on Wednesday night, and divided them up among the eight women I work with.  I’ve had lots of positive comments about the cookies and the cards, so I’m satisfied with my efforts there.

Last night we went to a white elephant party with a bunch of friends, which was a huge helping of comic relief.  We had a blast, and I’m glad we were able to fit that party into our week.  We had a get together with some neighbors last Saturday, and I baked stuff for both of those parties, so I’ve been spending a lot of my free time in the kitchen (with more to come in the next few days…) 

Whew!  And that’s just the stuff we DID do for Christmas.   We don’t have a tree, we don’t have any decorations up except for the Christmas cards we’ve received.  We don’t do Christmas presents for each other or for anyone in my family (everyone who’s coming here on Tuesday).  I like the way we did it.  Most of our presents were homemade (I estimate we spent about $120 for all the Christmas presents and cards we gave out this year).  We’ve had no financial stress at all from the holiday.  It has taken up some extra time, but I enjoyed making stuff for people, and I honestly think that I still spent far less time in my craft nook than most people spend wandering around the mall looking for gifts. 

Now it’s time to clean the house before our company gets here next week.  And I better start making a shopping list for the grocery store…  At least I won’t be at the mall this weekend! 

Thanksgiving and Paid Vacation Days

We just spent a great Thanksgiving with some of my husband’s extended family that live near us.  We brought a spinach salad (about $12 for the ingredients), and ate all sorts of great food that everyone made.  I always enjoy hanging out with that group of people, and today was no exception. 

I’m pretty sure that most of them earn more money than we do, and they all like to shop.  In fact, the plan was to head to a mall that was opening at midnight tonight for Black Friday deals.  They were all very excited about it, but I have to say that I’m much more excited about the idea of being asleep at midnight than I would be about going shopping.  Maybe the sleeping part is because I’m pregnant, but I can honestly say that I have very little interest in malls.  I’m still trying to figure out a few Christmas presents – I’m stumped on what to do for my in-laws this year – but wandering around malls and department stores the day after Thanksgiving just doesn’t sound like fun at all.

Normally our library is open the day after Thanksgiving, but this year they decided to close.  I work there on Thursday and Friday, so I get both days off this week.  I get paid vacation time, about an hour for every eight hours I work, which is very generous.  That paid leave is for holiday time, vacation, or sick leave, however we want to use it.  Once I got pregnant, I started hoarding my vacation time.  I’m not sure what I’m going to do when the baby is born as far as my library job goes, but whether I take maternity leave and go back to work, or decide to quit, the more vacation time I have saved up the better off we’ll be.  If I take maternity leave, I can get paid for more of it (I’ll take my full 12 weeks of FMLA, regardless of how much of it I can get paid for) and if I quit, I’ll just get a check for unused vacation days.  Right now I have 110 hours, and every week I work it increases by 4 hours.  I don’t normally work on Wednesdays, but another girl needed the day off and they didn’t have a sub, so I took her shift yesterday.  That way I didn’t have to use vacation time for today.  And tomorrow I’ve volunteered to go in and empty the book drops, which will take 5 or 6 hours, meaning that I’ll only need a couple vacation hours to get my full paycheck. 

If I keep being frugal with my vacation time, I should have about $2500 worth saved up by May.  That’s a good chunk of change that we’d get if I quit, or a good boost to our finances during maternity leave.  I like looking at my available leave on my pay stub and seeing it increase each time.  Simple pleasures.

Category: family, savings, work  One Comment

Planning Christmas Without Breaking the Bank

It’s that time of year again.  Time to start thinking about holiday plans and gift-giving.  We tend to be very low-key for the holidays.  We spend Thanksgiving with my husband’s family most years – and will do so this year as well.  For Christmas, we’ve invited my family to our house, which will be a first for us.  There will probably be eight of us, which is not a huge gathering, but it will require that people eat in the living room, since our dining table fits four comfortable, and six like sardines.  My parents will come early in the day and my mother will help me cook – I have never cooked a turkey, and I think that will be her domain.  I’ll come up with the vegetarian entree, since that’s more my style of cooking anyway.  

It will be fun to have everyone here.  This will be the first time since 2003 that we’ve had guests for Christmas (my husband’s parents spent the holiday with us that year).  We haven’t had a tree or decorations since 2003 either, so I’m thinking maybe we’ll do a little something this year.  Last year some friends of ours had the cutest little Charlie Brown Christmas tree.  They got it from a forest-service distribution place that sells saplings that are cleared from local forests to prevent uncontrolled wildfires.  It was so unique – didn’t look like a traditional Christmas tree at all, and we both really liked it.  I’m going to get more info from them on where they got their tree and I think we’ll go get one this year.  Then we can dig our ornaments out from the crawl space and make this place look a little more festive.  

I ordered Christmas cards from Snapfish a few days ago.  I love photo cards – and I think they’re the only kind that don’t just end up in the trash after the holidays.   Snapfish has an option to put two pictures on one card, which I really like.  My total card order, including shipping, was $33.  I also ordered 100 pictures to use to make photo notecards that I give people at Christmas.  I always get rave reviews, and I enjoy making them.  I used 10 pictures of flowers, wildlife, and scenery that we took recently, and had 10 copies made of each one.  Total cost – $12.  Then I’ll use 40% off coupons from Hobby Lobby to buy two 50-packs of blank cards (should be about $10 total) and make ten sets of cards.  That will be ten presents taken care of, for a grand total of $22.  That will take care of gifts for my coworkers, as well as a few family members who have expressed interest in getting cards again this year. 

I’m still pondering what to do for my in-laws.  They are so kind to us, and always shower us with presents at Christmas.  But they spend the winter in a motor home in Arizona, and don’t have a lot of extra room.  And they pretty much have everything they need.  I tend to do sentimental gifts for them - craft things that incorporate pictures of their grandkids have been successful in the past, but I’m having a creative block right now.  Same goes for our nieces – I make ornaments for them every year, but I’m stumped this year; the ideas aren’t flowing yet.  Good thing I have several weeks to go!

Category: family, gifts  2 Comments