Coffee heat rising

A Gray Day…Sky-wise and Financial-wise

California’s rainstorms are making their way over here. Every time a significant storm blows into California, eventually it crosses the mountains and the desert and arrives here. The sky has been threatening to dump on us all day. And…speaking of “dump,” naturally I pick today to work on the financial books.

Not too bright. As it were…

So one thing — the one thing — that appears immanently obvious is that the current amazing budgetary triumph is a fluke.

And: even if said fluke continues indefinitely, as long as I have to make car payments on top of helping my son pay the mortgage on a house he can’t afford on the salary he earns, I cannot make make ends meet. Said salary of my son’s ranks slightly above Arizona’s paltry median household income (and his 66-year-old virtually uninsulatable house is valued right at the Greater Phoenix median cost for a single-family home) — Yes. Well. The one obvious factoid: my RMD and Social Security are not going to support me unless I get rid of the car and the dogs.

That’s even if I were able to keep monthly expenses at the flukish minimum. Which ain’t bloody likely.

Uck-fay.

Because I hate the recurring budgetary data-entry job, I tend to put it off. So today had to spend two or three hours ripping open envelopes, poring over statements, and entering number after number after tedious number into spreadsheets. And, of course, paying bills.

Engaged in this fun project, I happen to notice that this month’s water bill is exactly the same as last month’s bill, right down to the penny: $99.69.

Say what?

Last month it did not rain every day or two. Last month the watering system was running — it came on every third day. This month the watering system has been off for at least two weeks (could be longer), and the ground and pots are still soggy from the unending rain. Not once have I had to pour tap water into the swimming pool. And because it’s colder than Billy-Be-Damned, I put off bathing as long as I possibly can.

Soooo…there’s no reason the current bill should be anywhere near as much as last month’s bill. That it would be identical makes no sense at all.

I called the water department to inquire about this anomaly — a hundred bucks being high for this time of year, especially after all the rain we’ve had. I was told the meters are still manually read in our neighborhood. This seemed contrary to the notice we got a couple years ago saying our meters would henceforth be read electronically…but who knows? Anything’s possible. The woman I spoke with, Linda, said I should go outside and check the meter to see if it registered the same as or less than the figure shown on the statement. If it didn’t register more, in order to get the Water Dept to investigate, I would be charged a $23 gouge for the privilege.

meter2So I went out this afternoon, in the rain, to check as advised. What I saw was a gauge encrusted in dried-on dust, leaves, and old bougainvillea blossoms.

The statement says the meter was read on January 3. Today is January 9. Obviously, no one could have read the meter without pushing aside the crusted-on dirt. That much mud and crap would not have weaseled its way in to the covered meter box in six days.

Curious about the condition of the irrigation system, I turned the valves on and then traipsed back through the rain and checked to see if any change registered with the meter. None: it didn’t budge. Evidently there’s no leak in the system, even when the system’s valves are open.

I called back and reached Mario.

He said, in direct contradiction to his agency’s first representative, that the meters are read electronically.

He further said I must have used that much water, and it must have been just an AMAZING coincidence that the two readings were the same despite the fact that I happen to know the irrigation system was turned off, no water was added to the pool (thanks to this month’s rain), and (because it’s colder than a witch’s t**** in December in this house when you can’t afford to run the heating system) I haven’t bathed excessively.

After I hung up from this run-around, I sent a complaint to my city councilperson. An exercise in futility, I expect. WTF.

I’m going to have to find a way to get more money. I simply cannot bear the thought of teaching freshman comp again. Honestly. I’d rather starve.

Which at this unemployable age, I probably will.

Wonder-Accountant has said, in passing, that it’s about time to draw down a “salary” from the S-corp. Well. Yeah: actually, it’s probably way past time.

An extra ten thousand dollars would do the trick. But…there’s only nine grand in the S-corp’s account. Most of its income goes to cover its expenses. It just about breaks even. So obviously, it’s not going to keep any wolves from the door.

 

 

What??? A Budget Miracle?

   questionmarkgreenWhat on EARTH? December’s AMEX bill came in: $348.36.

Since I charge almost everything on AMEX and normally budget $1100 for all costs other than utility bills (and now, the damn car payments), this is a little startling.

Okay, it no longer includes the Costco bills…those are charged on Visa now. But lo! Here’s the Visa bill. $151.69???????

Total: About $500?

Seriously? At CHRISTMASTIME?

What the heck?

Well, the $285 that I spent to replace the two pairs of shoes that fell apart was racked up a day after the December billing cycle closed. And I got a smokin’ deal on my son’s Christmas present by buying it from Amazon on Black Friday. The gift is included on the bill, though. And even if you added $285 to the amount due, it would still come to only $785. By the time you add in all the other bills — the power bill, the insurance bills, the phone and wireless bills, the water bill, the cost of gifts for some friends, the $35 I spent at Yarnell for the hand-crafted crosses, total expenditures for this month come to less than $1500.

Have I been in a coma all month?

Or have I made some sort of bizarre math error?

Probably the latter.
But for the nonce, ain’t it grand?

WOW! Costco Escape Yields Results!

The AMEX bill came today. The bottom line: amazing. Defies belief. The result of staying out of Costco for a month is…well, to coin a phrase, it’s YYYYUUUUUGE!

As you know, the usual monthly budget to support the Funny Farm is around $1200, including just about everything but utilities.  Except for utilities and a few bills paid annually (insurance & taxes) everything goes on AMEX and is paid off at the end of each month. I try to keep the total under $1200 but often fail in that endeavor.

Incredibly, the September bill came in at $759.60.

Holy mackerel! I don’t think I’ve ever had such a low monthly AMEX bill. The only explanation is that I stayed out of Costco (a.k.a. Impulse Buy Hell) except for buying some dog food makings and a bottle of booze.

This, despite going over budget in several areas: The $40 bottle of Maker’s Mark, the cookies for a church potluck, and a box of Parmesan crisps (impulse buy!) exceeded the $150 Costco allotment by $41 after purchases of dog meat and household sundries. I went $55 over budget in regular grocery stores, splurged on clothing and restaurant meals with friends and son, and coughed up $83 for towing and a $25 ding for an Experian report on the Venza.

Jeez. If my car hadn’t crapped out, the September bill would have been around $650: about half the usual AMEX budget!!!

And the New Budget Is…

…NOT a new budget????

Dang! Is this possible? English-major math suggests there’s enough left in the 2016/17 budget to cover the new car payments, and then some.

The car payments, at 1.9%, come to $387.67. That’s a little better than the $400 the car dealer wanted to extract for the 2.9% loan they had in mind.

As a practical matter, I could have afforded the loan they wanted to make…it was the principle of the thing. I surely didn’t appreciate being maneuvered into a percent more (or any more, for that matter) than I’d already negotiated at the credit union.

The amount budgeted (at least for the winter season) is $2,084/month. As a practical matter, the high summertime bill is around $2,655.

Meanwhile… When you take this year’s RMD and add net Social Security to it, then subtract the $4,652/year car payments, and then divide the result by 12, you get about $3,000 left to live on.

If you take the $2084 figure as an average monthly cost (and therefore some months will cost less), a substantial amount should be left at the end of 2017: more than enough to replaster the pool.

That’s assuming no disasters occur, of course.

At that rate, I think, there’s no need to hurry to pay this loan off. I can use next year’s remainder for the planned pool maintenance, and still have something for a substantial emergency fund. Or…to make next year’s payments.

It’s a miracle. Or something…

Busted, Disgusted, and Can’t Be Trusted…

 So I have $1.33 to live on for the next 11 days.

If I stay on budget, that is. Of course there’s significantly more than that in the checking account.

But…heh… At this rate, there won’t be for long!!

The $217 water bill plus the $250 power bill plus the $293 for the countertop oven did me in. The situation wasn’t helped by the $250 dentist’s bill for what he thinks are “routine” X-rays.

Welp, the weather is cooling down — it’s only 80 degrees at 5:00 this morning. But of course the power bill I have to pay in September will be for August’s electric use, and it’s been hideously hot most of the month. So presumably that will be another $250. It’s rained a couple of times, but the yard watering is done automatically with an irrigation system, so presumably that will be the same. I replaced a leaky faucet timer, but I kind of doubt that will save much.

I may have to move out of the house, if utility bills keep skyrocketing like this. The bastards at the Corporation Commission, most of whom are Republicans in the pockets of Arizona Public Service and Salt River Project, just fold to requests for rate increases, so every year our bills go up and up.  The only way to get rid of the corruption is to get a more educated populace who will vote the rascals out, but in Arizona, home of the low-rent education system, that ain’t gonna happen.

The other option, I suppose, would be simply to let everything in the yard die. That seems kind of counterproductive, because the yard is the main reason I stay here…

Out of curiosity, I decided to keep a running record of the Surprise! costs, those extraordinary jabs that exceed the proposed budget. Since the new budgeting scheme started in July, we only have two months’ worth. But so far it’s an eye-popper:

ExtraCosts Jul-AugUgh! Think of that: almost $900 of unplanned expenses in two months! And in two of the three most expensive months of the year, when utility bills are through the roof. Never fails, does it? So since we started the budget gambit, we’re averaging almost $450/month in unplanned costs…to be precise, it’s $877/2 = $438.50/month

If I wanted to adjust expense categories to account for several hundred dollars of extraordinary expenses in the budget, where would the money come from?

  1. I could cancel my long-term care insurance. That would save $142 a month.
  2. Amazon Prime could go away: $11 a month
  3. Let the homeowner’s insurance drop: about $70 a month, maybe.
  4. Find new homes for the dogs: about $40 or $50 a month in dog food
  5. Drain the pool; about $40 or $50 in electric, plus a small amount in water bills
  6. I’d say “stop shopping at Costco,” but I almost have: I’m $106 under budget, and the budgeted figure halves historic spending there.
  7. Stop getting my teeth cleaned
  8. Kill off all the trees, shrubbery, and vines in the yard.

None of those looks very promising, except for a tiny savings on Amazon Prime. Letting my insurance drop would put me at enormous risk. Every other possibility would deeply damage my already feeble quality of life.

One thing I could do, though, is tell the dentist that I can’t be going in there in the summertime. If the routine dental bill were moved to a winter month, when utility bills are a fraction of what they are now, they wouldn’t bust the budget. Also, I’ve got to remember to tell them not to X-ray my teeth for fishing expeditions. I’ll call the dentist’s office today and change next year’s date to November, when bills are at their lowest. Or maybe February — bills are low then, too.

Thank heaven there’s no inflation, eh? 😉

Spring 2016 flowers 6
Good-bye to Eden?
Doobie cropped
Good-bye, Puppy?
Good-bye, Pool? So long, Duck-Duck?
Good-bye, Pool? So long, Duck-Duck?
Au revoir, Costco?

Costco Day!

So this morning the plan is to make a very fast, very low-end Costco run: the first trip to Costco in a month!

The $50 cash card I bought to pay for gas fueled the car for a month and a half (!!). And I still have enough pork in the freezer to feed Cassie and Ruby almost to the end of the month. The visit from Borderlands — the outfit that hands out 60 pounds of produce for $10, grâce á local grocery stores donating fruits and veggies that come to the end of their shelf life — has stocked the freezer generously, meaning the only food I’ll need to buy between now and the end of the month will be incidentals like salad greens and the like.

Today Costco is going to sell me another cash card so I can refill the Dog Chariot, and while there I figure to pick up a package of paper towels and a bag of mixed veggies for the dog food. That’s it.

The difference this is making in the budget has been a life-saver. The utility bills, which the bastards have been slowly hiking up a little at a time, are more astronomical than I realized, having stopped keeping track of every penny over the past couple of years. This month’s water bill is $218 and the power bill is $248. They’ve jacked up the gas bill, too: $19, a little much when you consider that in the summertime I hardly use the hot water at all.

But the big budget-busters this month have been a $250 bill from the flicking dentist, who inflicted that gouge just to clean my teeth, and the $293 for the countertop oven.

Every time I go in for a routine cleaning, the dentist’s assistant wants to X-ray my jaws. I’ve been able to put her off for quite a while, claiming (truthfully) that I’ve been exposed to more than enough radiation thanks to the Adventures in Medical Science and do not want any further exposure. This time, though, I have a sore tooth — an old, failed root canal that has been neglected since I gave up on the former dentist after three root canals in the same goddamn tooth — and thought it had better be looked at. But nay: nothing shows up on the X-ray. The pain is prob’ly caused by my tooth-clenching habit.

So that was about $100 for naught.

I probably should have bought the $99 Kitchenaid toaster oven that JestJack found at Macy’s. The prospect of dealing with Macy’s, though…ugh! I dislike shopping there so much, it was worth paying twice as much at Williams-Sonoma to get a comparable item, just to not have to deal with the place. It’s no wonder they’re having to close 100 stores. Their customer service sucks.

Anyway, $486 in utility bills plus another $541 in surprise! bills has done in this month’s budget. I have $163 to live on for the next two weeks. The $25 needed to partly refill the gas tank will cut that to $138.

So I’m going to end up in the red again.

I wonder why it is that every freaking time the utility bills are through the roof, there’s some outrageous extraordinary bill? It never, ever fails.

Looks like I’m going to have to budget $500 for the summertime utilities. I wish I dared get one of those solar rooftop plans. But the utility companies here are trying to drive the solar companies out of business, and they’re about to succeed. The Corporation Commission, which regulates power rates (heh! after a fashion) is in the utility companies’ pocket — that’s not an exaggeration. Arizona Public Service, the most rapacious of our suppliers, buys these guys by underwriting their election campaigns, so anyone who’s likely to resist the endless demands for higher rates hasn’t got a chance.

So I’m afraid that doing one of those leases will be too risky. Some people are already complaining that because of APS’s machinations, their solar systems will not pay for themselves over the lifetime of the house. And in Las Vegas, the companies that were selling those installations just gave up and left town, thanks to the machinations of the local power companies and corrupt officials. So…forget that.

If it’s going to cost me $500 just to air condition the house at 82 degrees & water the plants, we’re reaching the point where it may be worth renting someplace where it’s cooler. I could go up to the Flagstaff area and rent a condo or a cabin. The smoke from the forest fires isn’t very pleasant, but most of the time the weather is a great deal more tolerable. I’d have to shut down this house, though…and am not sure what to do about the pool. You can’t drain it in the summer, because the plaster won’t hold up if it’s allowed to dry out in the heat. Plus of course if the irrigation system goes on the fritz unnoticed, half the landscape plants will shrivel up and die within a week. Not even “xeriscapic” plants can survive 115 degrees without water.

Well, onward. Want to get to Costco before it gets crowded. Have an economically cool day, wherever you are!