Now that hubby’s medical condition will be preventing him from flying in the near future, I don’t see the need anymore to maintain our frequent flyer mileage credit cards any longer. Next month, when the bill is due I am going to make it our final bill. I’m not going to close the accounts since that will affect our credit scores. We’re just not going to use them anymore.
In its place, we have a smallish credit limit on another credit card that offers cash back on most purchases (namely gas, restaurants and groceries…..perfect for our lifestyle!) We called today and had our credit limit increased and we will be utilizing this card to make future purchases AND get some cash back. They credit the cash back to either the card or your checking/savings account in $25 increments. So, that’s a very good thing!
What, you might ask, am I going to do with all the frequent miles we’ve already accumulated? A recent review showed that I still have 35,000 miles and hubby has 15,000. There is no reason in the world why I can’t fly, so I am still going to stick to my travel bucket list. I am transferring DH’s miles to my own account (family share program). I still want to go to that darn Grand Canyon and I still want to go to Barcelona. I’ve spoken to my sister and she has agreed to take the two trips with me sometime in the very near future. Knowing my sister and I, we’ll probably have a blast!
One of the biggest, unexpected bills that came in this year was our propane heating bill. Since this was the first time in several years that we remained in the northeast this winter, we were hit with a $997 fuel bill! In other words, when we winter in Florida, we actually save money because we’re NOT heating up our home above 55F degrees. So, I’ve booked a series of RV parks starting January 1, 2020 and ending March 10, 2020. We’re starting with St. Augustine as our first stop, then Vero Beach, West Palm Beach with a final destination in Sarasota (and a wrap up at my sisters home). I am so looking forward to finally being a beach bum for 2.5 months! (as all sites are on the beach, yay!) Total cost for 10 winter weeks in the Florida sunshine: $2032.28, which translates into $203 per week! Where can you go for only $200 a week? As I’ve always stated: RVing really is the best way for us to travel!
Also, I want to start keeping a closer eye on our monthly spending. At the end of the month, after all income checks have been deposited into our account and verified, once I pay ALL our bills (medical insurance, car insurance, utilities etc) we have around $900 liquid cash left over. This money is earmarked for groceries ($500 per month) vehicle gas ($100 per month) and misc spending ($300 per month BUT, this is where the problems arise. We’re not sticking to the $300 budget limit!) Starting April 1st, I’m going to keep a running tab of these expenditures on my desktop so I can keep track of our spending in a glance.
My oldest daughter is once again rearing her nasty head. I’m not going to go into any detail but I’m tired of this person causing me heart-felt pain and grief. I changed ALL my beneficiaries on ALL my financial holdings and she has been written off of everything, save $1 (one dollar) “for reasons that are known to her”. I’ve given my youngest daughter a copy of my will and we have discussed the grief her sister has caused the both of us. DH and I are contemplating passing down our home to our youngest daughter 100%. We will either co-exist till DH and I both drop dead or we may remodel the barn into a livable studio apartment and reside there while my youngest and her family take over the main house. I’m not sure yet what we are going to do. The only thing I am sure of is the elimination of that toxic older daughter of mine out of my every-day life.
Lastly, DH has landed some top paying gigs over the next few months. We’re going to sock most of this money away in saving accounts with our brokerage firm. We will probably deposit the money into layered brokered FDIC CD accounts. We need this money over the next three years so we can’t take any risks with it at all. CD’s are paying 3% now for accounts held for 2 years or more. Our timeline is 3 years.
In conclusion, a word about my diet status. I was 5 pounds away from one of my major goals. When I got on the scale last week to see how I was edging towards my goal, I had gained 4 pounds instead of losing the 5 pounds, which meant I was now 9 pounds away from my major goal. This did NOT sit well with me at all. What was the point of following this new low-carb diet if the results were going to be disappointing? So, I went on a massive carb eating frenzy.
I think the final straw came when I prepared this home-made, low-carb, cauliflower-based pizza “dough”. I will admit the commercial specimen was palpable BUT my home-made version was a disgusting flop. It looked nice but once you cut in to the pie, it turned into a mushy mess. And it tasted awful.
I’m back on a diet, but I tweaked it to suit me a bit more. I love the smoothie shakes. I agree that I should eat less carbs and refrain from sugar, but this Italian girl’s gotta have her pizza, with real crispy, crunchy bread dough! So, I’m back on the bandwagon. I won’t however, be weighing myself for a good two weeks. I think the remnants of the destruction I did to myself should be gone by then.
Note: I did make cauliflower “rice” and it was excellent! I’ll figure this out. I’ll get to my goal. Just hide those canolli’s from me from now on. 🙂
Update: I contacted the concierge of MGM Bellagio Hotel to inquire if they could sell my two tickets to “O” Cirque Du Soleil, even though they were stated as non-refundable. I was hoping the person could sell them for me. I told them ‘anything they could do to help me would be appreciated”. I gave them the seat numbers, my account number and name purchased under. Within a few hours, the concierge wrote back to me. He had forwarded my email to the management. They refunded my ticket price 100%. I got a full refund! Praise God!
Wrap up: I didn’t lose one single penny on the cancellation of this trip! Everyone was extremely kind and considerate to me. I am grateful and thankful for their kindness.