Coffee heat rising

Live-blogging from…What?

Wow! The biggest storm I’ve seen in 45 years just blew through the neighborhood. Power’s been off for almost two hours. It’s hotter than the hubs of Hades in here, even with all the windows and doors open.

LOL! Idiot neighbors are shooting off fireworks left over from July 4…and why not? This is the first time we’ve had pure darkness in forever, and besides, it’s like a sauna inside the house.

Somebody just tried to call me on a cell phone I couldn’t find. They hung up before I could home in on it…never did find the damn phone. It’s defunct, so I imagine it was the gummint trying to tell me the power’s out.

Appears to be pretty local, though: we can see the baleful orange glow of the city lights off in the distance, and I can hear the roar of traffic, probably from the freeway. The sirens have died down, so presumably the fire department and the cops have a handle on as much as they can get handles on.

Now that the wind is over, it’s still as death out there (except, of course, for the usual racket of Man, the Noisiest Animal). Not a breath of air is moving, so having the doors and sliders open serves no purpose other than to invite the occasional wandering perp to visit.

Cleverly, a few months ago I bought a battery-run camp lantern and enough batteries to run it for awhile.

The battery-run radio, though, seems to be a FAIL. It works, but it’s not bringing in a functional station. Apparently both NPR stations are offline, and what remains is useless blather.

The thing rode in on a huge dust storm along about 6:30, just as I was getting off the phone with a new client. Vast brown cloud descended on the human and the dog, shortly followed by howling winds.

 As in holy sh!t winds. The Queen of the Universe and I took refuge in the hallway, since there was so much nearby lightning that the bathtub, which comes as close to a tornado shelter as this house can offer, seemed ill-advised, given all the metal plumbing sticking out of it. Couldn’t hear that freight-train sound an actual tornado makes, so figured we were OK but didn’t want to be near windows. With all the doors in the hall shut, even if a skylight or window caved in, we would at worst get wet.

Then the rain began. Water piled up to the back door, which is about four inches above grade. Didn’t get in the house, though. The built-up threshold and weatherstripping around the side door kept it out of the garage (except where the door for the car doesn’t hit the ground…), and otherwise the house is built up high enough to withstand a four- or five-inch flood.

{click!}

Finally figured out that the jangling phone bell came not from a zombie cell phone but from the actual hard-wired land line phone! One, count it, (1) of the phones in this house is a real, old-fashioned telephone. All the rest are wireless, but I still have an antique that plugs directly into the phone company’s system. When I dumped QWorst and went over to Cox, I assumed it would depend on the electric being on, since it’s actually wired into cable, not the phone lines. But lo! It lives!!!!!

Called M’hijito, who as usual did not answer the phone. He, being one of the aliens of the New Generation, believes that actually telephoning a human being, person to person, is a rude faux pas, and so he does not respond to such crudity.

But soon learned the jangling was elicited by SDXB, who tried to call an hour or so ago. And…..

 w00t!

 The power just came back on!

Looks like the router’s still down, though. I may have to shut down and reboot to get the laptop online. I’m actually drafting this post in Word on the MacBook laptop.

The iMac, a vast desktop array, is going batsh!t trying to get itself back to its preferred status. I’m running away from that…just let it do its thing and fix it in hindsight.

And so, back to work: have to finish restocking the Queen’s meat supply for the next week, and then to bed!

Thank goodness we won’t have to sleep on the (cool!) tile floor tonight!

😀

 

 

August 24 Roundup

The other day as I was editing the cookbook I intend to spin off Funny about Money in the near future, I ran across a link to a blogger whose writing I used to admire back when we all used to participate in a prominent (now defunct) make-it-at-home carnival: Rachel of Small Notebook. Turns out her site had been quiescent for awhile, but by sheer coincidence she had just resurfaced with this amazing piece of writing. I’ll not say what it’s about — you must read it yourself. It’s one of the most heart-touching essays I’ve ever come across. The magazine-writing students have to produce a personal experience piece this semester…I’m posting a link to Rachel’s story for them to see as an example.

Meanwhile, you may have noticed some tinkering with Funny’s blogroll. Such a crowd of very fine bloggers is out there, many of them young and endlessly entertaining, that I’ve felt I’d like to include them by way of drawing FaM’s readers’ attention to some of the livelier writing in the PF blogosphere. A few that I added, within recent memory, instantly went off the air. This left us with a truncated list, and so I went in search of some new blood.

I could develop an inordinate fondness for DQYDJ — that would be “Don’t Quit Your Day Job.” This is a writer who consistently posts well-written, original articles full of insightful takes on ideas fresh and standard. No “me-too” articles here: this material is clean, new, and original. Bookmark that!

Blue Collar Workman is back, after a hiatus. To my delight: this is one of my favorite blogs.

No Accounting for Waste is another site gifted with original thinking and articulate posts. LOL! Take a look at this take on “how to lower your Alexa rankings.” Having spent a summer racking up traffic stats and ranking with Alexa, I thought this was one of the funniest (and most right-on) shticks I’ve ever read about blogging.

Streets Ahead Living: youthful, smart, entertaining, well written. Many excellent posts here…check out “If You Like Costco So Much, Why Don’t You Marry It?” 😀

Marissa at Thirty-Six Months is a lively and entertaining writer. Try starting with the post in which she questions the conventional wisdom about paying down debt as fast as possible and move forward to the present day.

The young pups are on the move. Did you see that Asian Pear has been visiting Hawai’i? After many adventures in earlier posts, she brought back loot for the family.

And as we know, eemusings and groom have been on a marathon honeymoon tour of the entire world. Check out this interesting post on the economics of Airbnb — very interesting!

Meanwhile, Donna Freedman has gotten up to some silly stuff at Surviving and Thriving. 😀 Sweet stuff, too: if you love candy, check out this awesome giveaway.

Revanche and PiC are settling in after a busy summer. Now they’re planning a belated wedding reception, a scheme infinitely complicated by the vastness and complexity of Family!

Speaking of travel, Afford Anything is in Boston, the latest stop in a busy summer itinerary made possible by her ability to make a living with a laptop.

Interesting article by David over at Prairie Ecothrifter: the Canadian government wants to know if wind turbines make you sick. While this sounds frivolous, responses in the comments draw attention to the noise and real potential problems of large-scale wind farming.

Miranda Marquit, writing at Bargaineering, discusses ways to build a Linked-In profile that will help you get a job.

Planting Our Pennies presses the readers’ button with a post on subjecting employees to pitches for charitable contributions — a hot topic, it develops.

At Budgeting in the Fun Stuff, newsletter subscribers are told that Crystal and Mr. BiFS are about to head out on a cruise; meantime we get the latest budget update, which is lookin’ good. Luckily: they just enjoyed (hang onto your hat!) a $12,000 dental bill!

Over at Consumerism Commentary, Luke asks readers whether college graduates should feel obligated to repay loans their parents took out to help them through college.

At My Journey to Millions, Evan suggests that in the mating game, credit scores matter.

To join a gym or not to join a gym: that is the question at Money Beagle, first posed by a smokin’ Groupon deal.

Frugal Scholar, wielding a $25-off coupon code, nabbed two coveted long tank tops from Chicos for a total of thirty-six dollah!

At I Pick Up Pennies, Abigail is startled at a large disparity between Petco’s charges for pet food depending on whether you buy online or at a brick-and-mortar store.

Ever wonder what preoccupies college professors? Pay a visit to Grumpy Rumblings for a peek at publishing, gender bias, and the joy of the academic career. Being retired from academia is about like being from Texas…as far from it as you can get. 🙄

Here’s a nice opportunity: Free Money Finance is seeking people to profile — drop by for instructions on how to submit yours.

 

 

 

TSP: Dishwasher Rises from the Dead!

P1020531Unless you’ve been living on another planet or out in the middle of the Mohave Desert with George, by now you no doubt have felt the effects of American dishwasher detergent manufacturers’ self-banning of trisodium phosphate (TSP). This chemical, which happens to be the ingredient that used to make dishwasher detergent and a number of other cleaning products work, has been banned in 17 states of the United States of America, because when it runs off into ponds and lakes, it promotes eutrophication by richly fertilizing algae. Rather than pony up the money to market useless detergents to citizens of those states only, manufacturers chose the cost-effective road: they took TSP out of all dishwasher detergent.

Update: For a more nuanced view of this issue, see my August 30 post spinning off a link provided by a FaM reader.

The result, as many of us have noticed, has been that even the fanciest, priciest dishwasher just doesn’t get your dishes clean. Especially glasses, which come out with a stubborn, ugly, milky film all over them.

And as you know if you’re a regular reader of Funny about Money, I buy lifetime supplies of just about everything at Costco — dishwasher detergent included. Because I live with a small dog, who can’t be accused of dirtying up a lot of dishes, the dishwasher here at the Funny Farm certainly doesn’t run every day. I wait till the machine is full to turn it on…and that’s about every second or third day. So when detergent that worked went off the market a few years ago, I missed the momentous event: it wasn’t until a few months ago that I bought any of the new, wimpy dishwasher stuff.

And because I dose each load with a generous splash of vinegar, the baleful effects of the new stuff have been attenuated. Sort of.

Of late, though, the glasses have been emerging from the washer covered with a light skiff of grease or the telltale milky coating. In short, the dishwasher hasn’t been getting the damn dishes CLEAN! If I weren’t by nature cranky as a cat, this would topple the Fat Lady over the brink.

Over the many months since the righteous regulatory event came to pass, I’ve been reading bloggers’ reports to the effect that adding a little TSP, which most of us can buy at our nearest hardware store, solves the annoying problem. So yesterday I bought a box of it at the local Ace.

And lemme tell you: it doesn’t just work. It works with a vengeance!

Now understand: I’d already scoured the milky stuff off the glasses with Barkeeper’s Helper (TSP will not, by itself, remove this coating, at least not in one or two washings), and I’d been washing the damn things by hand for weeks. This caused a great deal of resentment, because I would not own a pricey Bosch dishwasher if washing dishes by hand was what I had in mind as a desirable pastime. So in general what would happen if a glass got dropped into the washer was that it would come out ever so slightly greasy. Many washings like that would have left it with a difficult-to-scour-off film, but the glasses weren’t at that stage. Just dirty. Accursedly dirty.

Following a kind of Netizens’ consensus, I put ¼ teaspoon of the TSP into the detergent cup with one Finish Powerball detergent tablet thingie. I splashed about ¼ to ½ cup of vinegar into the washer tub. Turned the contraption on. And went to bed. Dunno how well you can see this…

P1020535

…but what emerged from the dishwasher this morning had NO sticky white hard-water deposit, NO spots, and NO delicate layer of grease! It was absolutely, positively, totally CLEAN.

Everything else in that load came out incredibly clean, too: the stainless-steel saucepan glowed in the dark; the stoneware dishes squeaked when touched; the silver plate forks and spoons came out clean and shiny.

Interesting.

I suspect a quarter of a teaspoon is more than needed, unless your water is even more extravagantly hard than it is here in the low desert (that would be a stretch). You might get away with an eighth of a teaspoon. And if, like me, you don’t run the washer every single day, any such minuscule amount would add a minimal load of phosphates to the sewer runoff. If you do have a family, it would be easy enough to hold the glassware aside, run the pots, pans, silverware, and plates through with the wimpo-detergent each day, and then fill the washer with glassware once every two or three days to be washed with a tiny amount of TSP.

{sigh} Lord, spare us!

Update: This post was included in the August 26 edition of the Carnival of Personal Finance, hosted by According to Athena,
and in the September 3 edition of the Lifestyle Carnival, hosted by Money Soldiers

Idle Essay Day

An overcast day, threatening to rain, and our august nannies leaders have issued an “excessive heat warning.” Actually the heat isn’t excessive — it was only 92 when I headed out for a bike ride late this morning, but what the heck. No doubt some poor soul from Ohio or New Jersey thinks a balmy 92 is “excessive.”

Still, warm and on the high side of humid doesn’t leave you much in the mood for sharp cerebration. A stack of drafts having to do with things financial and political sits in WordPress’s queue, and alas, I feel exactly zero desire to think hard enough to expound on any of those topics. And so I declare today an official Idle Essay Day.

Check out this recipe for grilled baby back ribs, spotted in the food section of today’s Times. It’s part of a posy of recipes that accompany an article inveighing against marinating meat before grilling it. Buried deep in altogether too much effete verbiage is a good idea (instead of soaking meat in a marinade before grilling, try giving it a rub with the dry ingredients, grilling it, and then dipping it in the liquid ingredients right before serving), but it’s hard to find it in the blizzard of words the authors need to fill the required column inches.

Welp, despite a relatively cool morning, the daily two-mile exercise walk was out because I had to show up at the Mayo along about 8:00 a.m. to be poked, prodded, and X-rayed. The “itinerary” they mailed (yes: the Mayo’s management thinks of its appointments as somehow akin to medical tourism…) had me not even getting in to the radiology department till 10:20, but mercifully they were moving right along and I was back on the road, headed home, at 9:30. So it was still cool enough (hm) for a bicycle tour of the neighborhood, about 1.75 miles with the gear set to create a little extra work.

Ran into my neighbor Sally, sweltering over the plants in her front yard. You’ll recall that she had put her house on the market shortly before her über-elderly mother’s final illness, and (thankfully, from my point of view) took it off after the old gal died. You have to understand what’s meant by “old gal” here: Sally herself is in her 80s… She’s quiet, unobtrusive, and tidy, so I was extremely relieved when she decided to stay put.

Sally said her nephew, a real estate broker who’d listed the house for her, called the other day to say he’d run the comps in the neighborhood and he also was extremely glad she didn’t sell: the place is now worth $50,000 to $60,000 more than they were asking just last April! And he thinks that when the lightrail construction is finished and the boondoggle train is trucking up and down the main drag that separates us from the slum bordering the freeway, values will go up even further.

That remains to be seen: an hour or so ago the homeowner’s association sent out an e-mail asking neighbors to bitch to the city council over a methadone clinic the SOBs just opened in said slum, right around the corner from our glorious wanna-be luxury district — bringing with it a surge in petty crime and an increase in the number of homeless folks hanging out in the area. Did they bother to tell us before they installed this fine cultural amenity? Well, no.

There was a reason our City Parents gerrymandered our neighborhood into the ultra-downscale Maryvale district, and you can be sure that reason did not bode well for the middle-class residents here.

Now that real estate values are on the mend, several of the neighborhood’s stately mansions are on the market. This 3200-square-foot bagatelle, for example, is nestled on one of the prettiest streets in the central city:

View1

(Click on the images for larger, higher-res views.)

You can have it for a mere $590,000.

The kitchen alone is probably worth that…

View3Kitchen

Imagine cleaning the grease out of the alcove in which the handsome gourmet stovetop resides…

View2Stove

As you might guess by the placement of the artwork, no grease will need to be cleaned from this artifact, because people who can afford to buy and maintain the palace in question can afford to go out to eat. Every day. Morning, noon, and night, if they so choose.

Sometimes it’s hard to grasp how HUGE some of these North Central lots are. Check this out:

View4vastness

That is just the part of the backyard that’s behind the swimming pool fence!

Holy sh!t. You, too, can pay to have someone come in and mow that Sahara of bermudagrass and St. Augustine.

The nicer part of the landscaping, IMHO, looks like this:

View5yard

Ah well. Back at the Funny Farm, it was into the pool to chill out after the bike ride. Despite my former whinging about the pool’s upkeep, now that I’m old and enjoying chronic back pain, I have to say the smartest da^^n thing I ever did was to buy this house because it had a pool!  Getting rid of the devil-pod tree helped, though: upkeep is almost nil without that monster dropping bushels of leaves, pods, and pollen into the drink.

The pool has saved my tuchus twice now, first with the shoulder injury — after a summer of water exercises, I escaped surgery there — and now with the constant pain in the tail. By the time I got out of the drink this afternoon, the back pain, which was helped a little by the bicycling, was down from about a 2 (on the obnoxiousness scale of 1 to 10) to about a .75. So that, like the neighbor’s backyard, was HUGE.

It’s so huge, as a matter of fact, that I’ve been thinking it might be a good idea to install a solar pool heater.

These are expensive: around four grand.

However, one of my friends succumbed to the blandishments of an outfit that leases residential solar power arrays. She and her husband are mightily pleased, because, despite the monthly rental bill from said outfit, they’re earning so much from selling power back to the electric company that their outlay for power has dropped to around $20 a month…in the dead of summer! Among other things, the solar power vendor threw in a pool heater as part of the deal!

In these parts, a pool heater adds about two months to the swimming season. That’s certainly not enough to justify an investment of four grand. However, if I could persuade some such company to embellish my house with a solar power system and tack on a pool heater, too, well…that might be worth it.

In other fields of idleness, perhaps I was unduly annoyed at American Express this morning… I wish they would settle on ONE DATE on which to close their billing cycle.

Normally the AMEX billing cycle ends on the 20th. This date is apposite because it marks the final day of one of the two billing cycles that dictate my budget. Just now I’m about out of food and out of gasoline, and I’d figured that as long as I had to go to the Mayo up on the 101, which would take me halfway to Scottsdale and right past a Costco, I could continue on to the Container Store in Scottsdale to buy some boxes for the craftsy items I’m donating to the church’s silent auction, then turn around and, heading home, get the stuff I need and refill the car’s gas tank at the Costco.

Fortunately, I was given pause by the belief that I’m about $85 in the red on the AMEX budget, so far. On rare occasions, American Express closes that billing cycle on the 21st. If they did so this month, I would be up to my nose in red ink after an expensive Costco run and a $45 refill.

So, before I left for the Mayo, I called American Express. First off, their talking robot informed me that I’m actually $300 in the red, not $85. After 10 minutes of hanging on hold, a sort of human being picked up the phone.

“When does the current billing cycle close?”

“At 11:30 this evening.”

Lovely.

Well, that cut out an entire day’s worth of running around, none of which can be done until next month’s billing cycle kicks in. Tomorrow. And it also posed a new problem: where the Hell am I going to come up with the unaccounted-for $300 I owe the bastards?

That will clean out my savings account again. Every time I get caught up with the short-term emergency/diddle-it-away fund, I have to raid it again!

And of course there’s the question of what charge(s) I failed to enter in Excel… We’ll find out soon enough, I suppose.

Oh well. By the time I got out of the pool, I was starved. Having refrained from scarfing meat for the past several days, it was time for a real meal:

P1020528

Lovely little New Zealand lamb chop…first meat in several days. Gorgeous dainty asparagi. Even the salad greens are still fresh and tasty.

It occurred to me that despite feeling sometimes that the diet is out of balance, what with the weight-loss project going on for several months, I’m ingesting a surprising amount of vegetation. Lookit that: asparagus with juice of half a lime. Lettuce, onion, radishes, blueberries, and an entire carrot with fresh lemon juice and olive oil. That’s after this morning’s meal of lentils and fresh pineapple. This evening: xergis, which is mostly cucumber blended with yogurt. Clearly I’m not starving on this diet. 😀

And so, to work…

Consumer Alert: HOLY Mackerel!

For heaven’s sake, this morning’s news has not one, not two, nay, not even four or five, but six hair-raising consumer alerts. DUCK, my friends! INCOMING!!!!

Cherry_LipsFirst off, for the gents: You’ll want to ask your lady friend to kindly wash her face before you smootch her the next time. Those lush, sexy lips she’s got on? Toxic.

We girls have known for a long time that lipstick is full of lead, as well as a cocktail of other heavy metals. That doesn’t seem to stop us from plastering it on — often several times a day. We do need to look, uhm, “professional” in the workplace, after all. And we certainly need to look attractive for our guys. Yeah.

The chief toxicologist for the Personal Care Products Council, an industry group, remarks that “metals are ubiquitous.” Among those metals are lead (of which the FDA has now said there is no safe level), aluminum, cadmium, cobalt, aluminum, titanium, manganese, chromium, copper, and nickel. Mmmm…num num!

So you say all that copper plumbing in your house makes you feel more confident that you won’t have to get the shack replumbed between now and the time you pay off the mortgage? Mmm-hmmm. Might want to use the savings to buy some long-term care insurance. We’re now being told that the copper we lap up over the course of a lifetime — much of which leaches into the water from that fine copper plumbing — may contribute to Alzheimer’s disease. Copper is, admittedly, a necessary mineral nutrient…but too much of it is just too much of a muchness.

How do you like your Bud…light, Ice, or regular? Doesn’t matter: all three of them, along with Steel Reserve and Colt 45, rank among the five beer brands that account for a third of all visits to emergency rooms.

Well. That’s what you get for not having the taste to buy a decent hand-made craft beer. {sniff!}

Thought you were cleaning up your act by cutting out the meat? Maybe not so much. Tempeh, favorite ingredient in fake meat substitutes, has been linked to a large outbreak of salmonella poisoning. GIVE UP! Take yourself to Burger King and order a nice, well-done Whopper.

Really very, very well-done.

Taco Hell has a new delectable to tempt your taste buds: waffle tacos stuffed with your choice of fruit or chicken. One word: EEWWWWWW!

If you’re not scared, very scared yet, it’s never too late: Lyme disease is spreading 10 times faster than previously imagined. Don’t worry. You can learn to love the scent of Off!

Speaking of mackerel, you’ll be pleased to learn that mackerel is one of the fish least likely to be contaminated with mercury. {sigh} Thank heaven for small mercies. I guess.

Image: Cherry Lips. Camila Zanon. Licensed under the Creative Commons Attribution 2.0 Generic license.

Cash or Credit?

DebitCardA while back, Mrs. Planting Our Pennies posted an article with an entertaining short video ruminating on the eerie quality of cash to disappear without a trace as one goes about one’s daily life. The video actually plugs Dan Ariela’s Coursera course on financial irrationality, echoing Dave Ramsey’s theory that most of us spend less if we use cash than if we buy everything with credit cards.

 Mrs. PoP goes on to reflect that she and Mr. PoP have the opposite experience: cash disappears without a trace, whereas the paper trail created by credit-card receipts and statements makes it easier to keep a grip on spending because it’s easy to see where the money went and when. I was delighted to learn that someone else in the world has a similar experience to mine — not only the PoPs but many of their readers who commented. I thought I was some sort of strange outlier! Cash flows through my fingers like water — a walletful in the morning can be empty in the evening, and I have no idea where the money went. Something about the extra hassle factor of pulling out a credit card and having to fool with signing for it slows me down enough that I don’t buy just any pointless thing that strikes my well-honed whim.

It may be “painful,” as Ramsey suggests, to spend cash; but evidently some of us find it more painful to do without whatever doodad we happen to crave at any given moment.

As you may recall, late last spring, as part of an overall decomplicating strategy, I decided to use cash for small purchases. The idea was that I would withdraw a couple hundred bucks at the beginning of the month and use that to cover things that cost $30 or less. The initial idea was to make it $50 or less, but at that rate four purchases would consume $200.

This scheme actually did work, on two fronts: it cut the number of transactions that I have to keep track of in reconciling accounts, and, weirdly, I did spend less in the first month of the experiment.

This month, alas, I never did make it to the credit union to pull out some cash. My credit union doesn’t scatter ATMs across the city, and although customers can use other ATMs (I think), there’s a gouge for the privilege that I refuse to pay. I live about eight miles from the nearest branch of my credit union — that’s a 16-mile round trip, or, in the Dog Chariot, almost a gallon’s worth of gas — and there’s nothing up in that direction for me except a Home Depot and, much further up the road, a Costco. Since I try to limit visits to those worthy retailers, if I have no specific reason to go to one or the other of them, a jaunt to the CU through homicidal traffic is a nuisance that costs me about $3.35. This month it was a week or ten days past the August 1st before I hit Costco, and because I also needed some things from stores that are closer to a different outlet in a different part of town, I never did make it out west to the credit union.

And interestingly, what should I discover but that this month I’m already $87 in the hole on the credit-card budget, whose cycle doesn’t end until the 21st. Last month, when I used $120 worth of cash, I came in $143 in the black!

Naturally, the red ink on the AMEX budget comes in a month when power and water bills hit astronomical levels. And I had to pay Gerardo the Wonder-Lawn-Dude an extra $50 for some outrageously hard work he did in gawdawful heat.

And strangely, no single huge purchase jumps out from this month’s AMEX charges. Instead, I spent a bunch of money on small, separate bead-crafting expenses for the pieces I’m planning to donate to the choir’s silent auction this file ($135.76); $50 on propane and a new propane tank from Costco (not unreasonable); and a staggering $388.72 on a dozen trips to grocery stores. I did manage to stay out of Costco pretty well — hence all the grocery-store runs — however, in the two Costco runs I did make, I spent an equally staggering $378.73

Some of that $378 covered a couple pair of bluejeans to adorn the now much-slenderized body. None of my pants or shorts will stay up, so I really did need those. And the cost was nominal: Costco blue jeans run about $18 or $20 a pair.

You’d think that shifting to a mostly vegetarian diet — meat shows up on my table about twice a week now — would cut grocery costs. But in fact, fresh veggies and fruits are not cheap, and you have to eat them or else watch them spoil. Salad greens don’t lend themselves to freezing. That means I’m racing off to Sprouts or Trader Joe’s every time I turn around. Also, I visited Whole Foods, where I bought some (gorgeous!) wild-caught fish and two whole organic untrammeled chickens (on sale!) and splurged on too much sushi and a bottle of pricey craft beer.

But…the diet was under way when I started this experiment, so in theory grocery bills should have been no higher this month than they were then. The Mac ate the Excel spreadsheet I use to track the monthly budget (never have the same  DropBox file open on two computers at the same time! :roll:), so I can’t confirm that comparison. But it’s safe to assume grocery bills must have been about the same, with the possible exception of the Whole Foods episode — which, after all, put about a month’s worth of meat servings in the freezer.

In the “never” department, also never go into grocery stores when you’re hungry.

It looks like what happened is I lost track of how much I was spending on groceries and on beading goods and tools. At one point I got ripped off by Bead World — a saleslady sold me a pair of wire cutters that she knew would not work on the wire I had in my hand at the time, and they won’t take returns (they won’t get a return, either: a return customer). Then I bought a pair at Michael’s, but wouldn’tcha know: you get what you pay for! So I had to order up a decent pair, for twice the cost, at Fire Mountain.

So this month, in fact I did spend a lot more in using the credit card to cover everything (there’s a $3.06 charge in here, for godsake!) than I did when I used cash for small purchases. The “under $30” category amounts to a kind of Dave Ramsey-style “envelope,” and in fact when I ran out of the cash dedicated to discretionary spending that month, I consolidated shopping trips and limited purchases to real necessities, cutting back on the number and hence the amount of small expenditures.

Since it costs upwards of $3.35 to drive to the credit union, it probably would be cost-effective to get a debit card and pay the gouge to withdraw money from an ATM.

Just what I need: another card to help me spend money! 😀