View Full Version : July Frugals
On a hot humid day I am planning ahead and wrote out a check prepaying for my home heating oil for the season so I can lock in a lower rate.
Well we made it through the first day of July without any financial indiscretions. All we bought were groceries and those came in just within budget.
Yppej: We also heat with oil. That sounds like it is probably a better deal than what we get. This year, we will be charged a $139 fee to lock in a price cap of $2.45 per gallon. If the price goes lower, we will pay the lower price, but it's guaranteed that we won't pay any higher. I don't think our oil company is the cheapest around, but they are honest and reliable, which is important if your furnace dies on xmas day or something, and yes, that has happened to us. I know there was also a time several years back when oil prices went through the roof, and I heard that a lot of companies were not honoring their price caps, but ours always did and we really came out on top that year. Who would have thought that paying for your home utilities would come to feel playing for high stakes at a casino?
I know, and I am not a gambler by nature. I locked in for no fee at $1.999/gallon. The company does have an out in case of terrorist attack or other serious supply disruption. They don't do maintenance, only deliver the oil, but I have used them for years and one of their employees lives on my street. I did double check and they still have a A+ rating from the BBB with no complaints, but prepaying always makes me a little nervous.
We locked in last year at 1.65 for propane. This reminds me to get on the stick and find that letter and lock in again. . .
For July 1 st.....Belated Happy 150th Birthday to us! Can't believe all the noise last night with
home Fireworks...also can't believe how much people spend on these things (city does have a much better public display that is free).
Also, they are not environmental at all and of course every year there are the accidents with them.
--Stat Holiday so all the stores where closed that helps with a no spend day.
--used up some cooked chicken that was in the freezer for tacos still some left for lunch today
--I sorted all the DVD's and put all but, 2 in the give away or sell box and then did the same with all of my books and magazines.
Except I made an extra pile to look through and clip before I toss. Makes to really glad I only buy them at church sales/garage sales.
I am trying to do the Marie Kona thing with sort all of one type of thing at a time...by type rather then location. It sort of makes sense
because I did find books/mags in most rooms of the house.
--reading a free book from the library
--got some exercise doing some yard work.....I have learned this summer that if I stick to 30/40 minutes at a time the old back
does not act up....lol...getting old is the pits!
Glad you are all locking in for your oil it feels like there maybe be issues this winter. I am on Natural Gas and the price is what it is.
NOT as good as it once was. We did the lock in years ago and once it worked in our favour and once it didn't. They don't seem to be
doing it anymore.
Trying to watch the dollars more carefully this month.
I think I mentioned earlier that our Comcast bill went up *again*, about 10%, so some of today will be devoted to determining if we can drop a performance tier or if it's worth looking at CenturyLink again. In Comcast's favor, the performance has gone up significantly since we started with them, but I can't remember the last time that wireless-network issues in the house were their issue; usually it's something we're doing that saturates the network. :~) So we likely can get by with "slower" broadband Internet access.
Lunch for me today was a tofu-and-green-bean stir-fry made with tofu a week past it's "Best by" date. No issues at all with it. (If I never post again here, though, you'll know what happened lol). I have to remember what I bought to make dinner. We're still plowing through protein sources in the freezers to empty them out for the end of August, when new crops come in. So whatever it is likely is still in the freezer. The microwave does a great job of defrosting, so I don't get caught short for meals ($$) often.
I filled out the forms to mail for our Menard's 11% rebate. It was all stuff we needed and a stockup of some consumable items that never go on sale by themselves. It's not a lot of money back (actually, it's none at all since it's a merch credit), but ten bucks is ten bucks.
I'm trying to keep the A/C off today. High is scheduled to be near 80, which is fine, but our neighborhood, like danna's, loves its fireworks. >8) Our dog, however, does not, even with the A/C on, the windows closed, a fan and the TV or stereo on, and a doggie Xanax in her. Last night somebody set off a solid five-minute barrage of loud BOOMs. One wonders at the willingness to spend that kind of money, but apparently it addresses a need of theirs. I'll close the windows come nightfall.
That's it -- short month so far.
Teacher Terry
7-2-17, 3:10pm
WE found we save $ by only doing 1 big grocery shop a month. Now we do have to go for fruits, milk, eggs etc in between but then we just dash in and get only what is needed. No spend today as we both stayed home and cleaned. It does require me to think ahead for the whole month about what I want to make. We went to a festival yesterday that was not cheap by the time we ate, drank and bought a few things from the vendors. The vendors used to be low quality but the past 5 years have really good things for a good price.
Yesterday was a definite frugal lapse. We took my Mom for an MRI appointment and she wanted to go out to eat afterwards. She was planning to pick up the tab, but we split it with DSIS since Mom is always picking up the tab. The 4 of us had a nice meal together, which is great, but eating out is my family's way of celebrating/sharing time together, and it tends to be an expensive one.
DH is working today and I'll most likely be spending the day alone, so I should be able to keep it frugal. I have a lot of things I want to accomplish and a book to pick up at the library.
Not sure this actually falls under frugal - but it definitely saved some money. SIL is doing sales for a roofs/windows/siding company, and they do lots of incentives to keep the salespeople motivated. He was just shy of getting a sizable quarterly bonus. So we worked it where basically he's offered to buy me new windows for my dining room (the current ones are in awful shape). He gets most of his bonus and I get some free windows :-)
Creaker: I think that's an amazing frugal! Good for you!
For July 2
--cooked up some ribs we had bought for $1.50 a lb with homemade (as in stuff in the house) BBQ sauce
and used up the last of a bag of potatoes
--The potatoes had eyes growing out of them so I will plant them in one of the veggies beds I did not get planted
this year....maybe a few potatoes come fall for free.
--balanced my money and updated the spreadsheets...even with money I have spent this past 6 months as
in New A/C, new glasses, car repairs and some yardwork I am still doing great.
--sorted all foot wear in the house (Marie Kono as in one category at a time. Put 1 pr of really good newer boots that are so tight
they are not warm and 1 newer pair expensive runners that cause my back to hurt when I wear them in the to sell/give away box.
One pair of very old shoes in the garbage. This is mostly only frugal because I have sort all like types together and know I do NOT
need anything in footwear for at least a year.
early morning
7-3-17, 1:58pm
Thanks for the reminder, guys - just prepaid and locked in my propane price. I'd like to switch suppliers but ended this year w/ a large credit, which we would lose if switching, so didn't get as many prepaid gallons this year. We'll see how that works out! Yesterday, DH and I took the old, ratty umbrella off the trashpicked patio table we have. It looked pretty good when we got it, but 12+ years of outdoor use have taken their toll. Several years ago he trashpicked a larger patio umbrella with a blech-colored canopy, and it's been sitting in the barn. Last year, DD and I bought a really pretty orangy-red canopy at a thrift for $2.50. So we put the new canopy on the newer umbrella frame and put it back on the table. It looks so nice! The old umbrella and the blech-colored canopy are now in the umbrella cover in the barn. Just in case, you know! :|(
Gardenarian
7-3-17, 3:27pm
We're having an assessment for solar panels this week. We'll see!
Bleached the base of the dish drying rack so I wouldn't be tempted to buy another one. Some of my kitchen towels are very worn, so I went to Dollar Tree and picked up a couple new ones as well as replacing broken reading glasses and getting some other small essentials. My SIL is visiting in a couple months which is motivating me towards kitchen respectability.
We saved a bundle by deciding NOT to go on a mini-vacation to Vermont. My son got a music gig at the restaurant where he also works as a server, and so it was kind of a big deal. We were going to go up there, see the show and do some real estate browsing, but we decided against going this time. Savings: probably at least $600.
Also, last night it got late and I was too tired to cook, so we were going to do Indian take-out. I drove there--and then went past and went to the supermarket instead, bought DH some hot dog buns for the hot dogs we bought last week. I went home and heated up an Amy's burrito and made some Spanish rice from scratch for me (DH hates Mexican food). Didn't take long at all, and saved us at least $20.
mschrisgo2
7-4-17, 12:11am
I shopped for pots for my growing succulent collection at the Dollar Store today. Found some awesome "bowls." I will drill holes in the bottoms- they are perfect sizes and very colorful! Five pots for $5, saved at least $15, even over Wal-Mart prices.
July 3rd and 4th
--not such to add just same old stuff
--did receive Energy Savings cheque from the Government $400.00 toward new A/C that was nice
--Read a book from the Library called "Beautiful Money" good read mostly just reminders on how to
live well with your money and you will have more or at least feel like you do...lol. Always find I get something
from these books.
Now reading "The Subtle Art of Not Giving a ***ck" very thought provoking.
--Been watching "Handmaid's Tale" on PBS now this is very thought provoking/disturbing and somehow seems
almost too relevant these days.
All of this is keeping entertained and all for free.
Not sure how frugal this one is (certainly not healthy) my fave Vachon cakes on sale for $1.50 a Box and I about
2 boxes ...I will not admit to how many are left....lol.......
That is all for now have a great day!
Were going to buy an airbed for husband to take on his family reunion trip since he is staying at his sister's and she has run out of room.
REalized we could just pull the spare twin mattress off the bed and throw it in the car; it will fit. Saves at least $50. (He did not want to do this; had to fight him on it, as he said it would be "easier" to buy the airbed. He is the spender in the family.)
I took tape measure out and figured out there was plenty of room. Although he was resistant, he said he will take the mattress.
I did not want to store the air mattress, either, as already too much stuff in the house.
So mildly unpleasant family dynamics, but frugal.
Kind of a quiet weekend as far as activity (certainly not quiet as far as explosive devices go).
- Still going through the freezer for meat to cook. The soup recipe called for canned tomatoes; I found a private label "San Marzano-style" can of tomatoes at the supermarket that was cheaper even than their house brand; tried those and they worked out so well I went back this weekend to get more for the pantry. The ribs recipe called for red wine; didn't want to open a whole bottle for what I needed so I used an open bottle of white. It may have ended up a bit sweeter than intended but it was still pretty tasty.
- Filled out the rebate forms for stuff we bought for Menard's 11% rebate. For a buck in postage I'll get about $9 back in merch credits.
- Still negotiating with some flake on craigslist to buy a used compost bin. Ours flat out broke and cannot be repaired so we have to get another one. I'm supposed to be able to pick it up tonight but he said he wouldn't text me the address until tonight. No idea what he's afraid of. It's not like his house was going to move between this weekend and tonight. >.< It's way cheaper than similar used bins on cl though so I may have to put up with some nonsense.
- DW made more laundry detergent. It seems to clean well and it does not irritate her skin like the popular commercial brands or the expensive boutique brands.
- Didn't look at a single July 4 sales circular. Oh, I did. Nothing I need at Target this week. But I do find it's easier not to spend money if I don't know how much I can save by buying it now. :-)
No drive, no spend day & worked from home. Went to the library at lunch to pick up a book that came in, and I scored 2 pristine, vintage sixties Betty Crocker cookbooks that I will put away for part of DH's birthday gift in August. They were on the free rack, so you can't beat that! DH loves his old Betty Crocker cookbook; it is his go-to. His mom bought it for him before we were married, and he loved it to death. Some years ago we scored a nice clean copy of the same edition on Ebay or Amazon and he was delighted, so I think he'll really like these. One is "Cooking for Two" and the other is "A Hostess' Guide to Entertaining" (OK, so he won't love the title of that one). These books look like they were owned by someone like me, instead of someone like him, if you know what I mean. Pristine, with not a drop of gravy or splat of frosting to be seen. Forgive me for going on, but I was quite exciting about this score!
RR, I would be excited too, because it means someone cooking for you possibly more often.
Family from out of state visited for 4 days for the holiday. We ate homecooked meals and did free things like hike and play Trivial Pursuit. It was relaxing.
Yppej: You saw my ulterior motive! :)
Went to Five Guys Burgers tonight to pick up a gift certificate for a birthday gift, just before supper time, and did not buy anything but the gift card. Asked if I could take a little cardboard thingie full of peanuts to tuck the gift card in, since I thought that would make a cute presentation for a not very inspiring gift (but it's what the giftee had requested) and he said it was fine.
ETA: Left husband in the car since he surely would have bought burgers!
I think the peanuts wrapping was inspired--that's what makes eating there fun.
A no spend day. I got some books from the library.
A no spend day. Easy to do. Left for work at 0610 and left work at 1740:( No energy to spend. I was so busy I didn't eat my breakfast until 1030. Then doc bought pizza so had "dinner" at 3 pm. Cocktail after I got home and trying to stay awake until 8pm. ugh....retirement just under 4y:)
he'll really like these. One is "Cooking for Two" and the other is "A Hostess' Guide to Entertaining" (OK, so he won't love the title of that one)
They sound like gifts which the recipient surely will enjoy.
Flash back to 30 years ago; me, standing in a Sears store explaining to the sales guy why I (the appliance buyer) did not want to buy their top-of-the-line washing machine because it was the Lady Kenmore version -- any more than most women wanted to buy tool sets with dainty pink-handled pliers and hammers. I don't remember the discussion getting far. I do remember not getting the washer at Sears.
Got a couple pairs of shorts and matching tops on sale. Due to weight gain I was down to just 2 pairs of shorts, one for muddy outdoor work and one good one. This is cheaper than doing small loads of laundry all the time or running the A/C when it's hot. And July is the cheapest month to buy summer apparel. Now I am set with both work and weekend summer clothes.
Our library's gift shop sells new birthday/sympathy/get well/blank cards with envelopes for .25. Pretty decent selection.
Not sure where they get them - maybe a local shop donates their leftovers? - but I stocked up on a few for upcoming occasions.
Kind of a quiet weekend as far as activity (certainly not quiet as far as explosive devices go).
- Still going through the freezer for meat to cook. The soup recipe called for canned tomatoes; I found a private label "San Marzano-style" can of tomatoes at the supermarket that was cheaper even than their house brand; tried those and they worked out so well I went back this weekend to get more for the pantry. The ribs recipe called for red wine; didn't want to open a whole bottle for what I needed so I used an open bottle of white. It may have ended up a bit sweeter than intended but it was still pretty tasty.
- Filled out the rebate forms for stuff we bought for Menard's 11% rebate. For a buck in postage I'll get about $9 back in merch credits.
- Still negotiating with some flake on craigslist to buy a used compost bin. Ours flat out broke and cannot be repaired so we have to get another one. I'm supposed to be able to pick it up tonight but he said he wouldn't text me the address until tonight. No idea what he's afraid of. It's not like his house was going to move between this weekend and tonight. >.< It's way cheaper than similar used bins on cl though so I may have to put up with some nonsense.
- DW made more laundry detergent. It seems to clean well and it does not irritate her skin like the popular commercial brands or the expensive boutique brands.
- Didn't look at a single July 4 sales circular. Oh, I did. Nothing I need at Target this week. But I do find it's easier not to spend money if I don't know how much I can save by buying it now. :-)
You probably do this also but thought I would say anyway. When I send in a rebate to Menards I put them all in the same envelope since the address is the same. I do list the rebate items on the envelope though. I then get just one check. Saves a few pennies on postage too.
We had a coupon for our wild bird store that saved us $8.80 on a bag of peanuts for the birds (yes, we are very good to our birds). The purchase generated another coupon for $10 off any purchase, so we'll use that the next time we go to buy sunflower seeds.
I'm also stocking up on the few prescription meds we take (luckily not many). Our out of pocket prescription costs are going to skyrocket next year, so anything we have refills on, we're going to refill as many times as possible by the end of the year. (I don't believe in drug expiration dates; I think they are a marketing ploy).
I agree on drug expiration dates. Also some meds you can store in the freezer to extend their potency.
Yesterday I got some practical items - among other things weatherstripping that will save me come heating season and a mop. Dollar Tree was out of stock and Family Dollar wanted $6 to $10. I settled for $5 at Dollar General. This is why when I see mops at Dollar Tree I stock up. Eventually the style I like gets too worn and grubby to clean effectively.
We were super hungry after work Thursday. We could have gone out to dinner but we agreed on my home made mac n' cheese with ham and smoked gouda. I looked at hubby after dinner and said "this mac n' cheese just saved us $40:laff: it did make me laugh out loud!
early morning
7-9-17, 11:08am
Gardenarian, what did you find out about your solar panels? When I was younger, one of my goals was to go off-grid as much as possible. I still use a clothesline as much as possible, made a solar oven, had a large garden, canned and dried a lot of our food for quite a few years. DH was NOT on board and was an unwilling helper, and eventually I scaled back and stopped killing myself over it - being as how we had two children and I was also working full time. Now that we are too old to do any of the work ourselves, which makes it far to expensive for us to contemplate- he tells everyone that HE wanted to do solar and wind LONG AGO, but I just didn't want to be bothered. *sigh* - selective memory, indeed... on the frugal front, it's pretty much the same old, same old, trying to plug away at the little stuff and find opportunities to tackle the big stuff when I can. I have laundry on the line, and I've been troubleshooting problems with our new, but just out of warranty washing machine on line, rather than calling a repairman. So far, I've been able to coerce it into continuing to work. I really don't like new washers! I also returned a CD player to Amazon this month. It just quit working, about a week after the last return by date. I used the Amazon chat feature and politely complained, and they sent me a return paid label anyway. The money is back on my credit card already. I was pleasantly surprised by their agreeing to let me return it past the cut off date! I'm glad I checked!
You probably do this also but thought I would say anyway. When I send in a rebate to Menards I put them all in the same envelope since the address is the same. I do list the rebate items on the envelope though. I then get just one check. Saves a few pennies on postage too.
Yup. I did send the rebates (had to exchange an item and pay more for the replacement) for our own house in one envelope. To keep the accounting clean, though, i sent in a separate rebate form for items I bought for my rental property. Thanks! Good point for all rebates...
No spend days yesterday and today. I have been thinking of some home improvements but then I go to work and think how much more I would like to retire.
rosarugosa
7-10-17, 6:35pm
Yppej: I can certainly relate to that! We we doing pretty good until we went to Trader Joe's yesterday.
July 5---11th
--yardsaled on Sat and got amazing stuff for a total of $32.00 large amount of fabric (more then enough to make many gifts & donations + a few pieces to sell),
large wicker basket with handle, silk/wool scarf. new piece of wheeled luggage, set of brass numbers for the house, two lovely new cushions (will be a gift for DD), set of three small
decorative boxes to hang and from a free box 24 magazines not more then 1 year old. All in all a fun great day. Frugal but, does not do much for the decluttering...lol
--maybe not frugal but today on Amazon prime day I bought a 7 in 1 multi task pot, the main thing I wanted was the fact that it is a pressure cooker, And, it was
a great price. Will let you all know how it works.
--Other then these two days the week has been mostly not spend.
--ask at the gym for an extension of my membership because I was not feeling up to going and it was extended 2 months. (with doctors note but she doesn't charge)
--checking the house for food before doing any shopping and still using food I have.
--have also lost 2 lbs this past week so I hopefully will soon be getting back into my wardrobe.
That is about all for now.
A no spend day yesterday, but I will have to get gas today. I do not have an Amazon Prime membership so that was not a temptation for me.
We have Amazon Prime and bought nothing.
ApatheticNoMore
7-14-17, 3:58pm
I heard that running the A/C or even just the fan (though less so) in the car uses more gas than not, so I'm not doing so as much (it's not blazing hot right now either). I don't know for a fact that this is true "don't know much about how cars work ..." but figured I'd give it a try as I read it somewhere on the intertubes. Well provided it's not blazing hot, then one needs A/C in the car no question. The car itself is plenty fuel efficient overall, but I drive it a fair amount so ...
I am trying to get 40 or more miles per gallon by hypermiling. Got a new windshield wiper at Auto Zone as it's cheaper and they install it for you. Only got the one I needed and not a pair.
Recent frugals:
- Dinner tonight, which was a Persian stew made of items hanging around the house. Meat and rhubarb from the freezer (I love rhubarb in savory dishes) and all the spices and flavorings from the pantry or fridge. A little short on a couple of items (ended up using too little dried parsley to replace the fresh herb specified in the recipe). But it was more than just edible, it cleaned out a few dribs and drabs, and it will feed us at least once more.
- Earned a $10 Target gift card from the Red Cross for donating over the July 4th holiday. A couple of weeks ago I rounded up all my other TGT gift cards; there seems to be enough of them to buy something truly useful -- or maybe even just fun, sparing our regular income for expenses.
- Went to a free concert Sunday at a local amphitheater -- guy I used to work with. Beautiful night out with some good music. OK, i bought his new CD, but Sunday's concert was also the release party, so everyone got a discount on buying the album. It could have been less frugal. We didn't buy any beverages or treats, though.
- Another no-drive no-spend day today. Rarer than they should be, but...
- Found a pile of my clothes that had been set aside for stain treatment -- and then forgotten. I re-treated them and let them soak in the washer for an hour or so before actually washing. Everything came out clean -- no new rags. ;)
- Shopping for winter tires since DW's are 5 years old and one fell victim to a sidewall bulge this spring. Saw a set on craigslist this week that looked good, but in shopping around I found I can replace the old tires with new tires of the same brand for less than the cost of buying these used tires with no warranty. I'll keep looking; we have a month or so until I need to think about winter seriously lol
I love it when stains come out.
Bought a winter coat at pre-season sale price. I have not had one for years, only casual jackets, and would go to interviews and holiday parties shivering because I had nothing appropriate to wear. This one is to my pleasant surprise machine washable. Also went to Walmart and found a gray sweater which I have been looking for since February. I wore the one I had before all the time but it had the logo of the company that kicked me to the curb after almost 16 years, so I got rid of it. Also got 2 cheap pairs of silver earrings at Wally World as that is the color scheme for fall.
Teacher Terry
7-19-17, 5:10pm
I make scarves for the homeless and also for low income families that live in motels etc. The local Salvation Army puts them out with other things for them to take at their xmas dinner each year. My best friend gave me a ton of yarn to use. She did this 2 years ago too. She still works so does not knit as much as me but is glad to donate to the cause. This saves me a lot of $. Through the years I have spent a ton of $ on these scarves. I sometimes find yarn at garage sales and thrift stores too. I had labels made that I sew on that say: Handmade with love By Terry.
2 nights in a row I've cooked dinner again and enough leftover for lunches for today and now tomorrow. Last week was a bust as i was working ridiculous hours. We're getting back on track;)
We've switched from the bagged lettuce to bunches of lettuce, half the price, with the salad spinner (circa 1980-orange plastic) it is as easy and the lettuce is better.
I am minimizing A/C use as much as possible in the 90+ degree heat. It helps that I am in the office all day where my employer pays for it.
SteveinMN
7-30-17, 10:48pm
Interesting ways to spend money saving it. :) Most of the week was spent driving in and out of town, which is kinda frugal when you get 50+ mpg and get to stay with relatives. But it was not a great occasion for saving money.
I had to buy a special battery for a cordless phone, so I ordered it from BatteriesPlus -- if you ordered on their Web site for store delivery, they took 10% off. The store wasn't that far from where I had to do other shopping, so ... done. This BatteriesPlus also is near a Big Lots. Never been in one before, so I took a look. Some of the items were not such great bargains IMHO. But I did find jars of pickled vegetables from a brand I like that is not widely sold here, at about half the price I usually pay. I bought all they had; they'll keep until I eat them (probably long beyond that, actually). I just "bought ahead".
The grocery shopping, which was my original goal, was not riven with great deals or impulse buying, so nothing to report there. I'm still working through the freezer (I'd like it empty since I need to defrost it this summer) and both DW and I have been low-carbing (me more than her) so I'm using the starches in the pantry for DW and not buying more till they're gone.
The mail brought coupons for credits at both Target and Ace Hardware, places at which I shop often, so I'll stuff them in my wallet for the next time I'm at either store.
Temperatures have been in the low-80s with low humidity, so the AC has been off and the windows open. A fan takes care of the late afternoon heat. Gotta get to some of those outside projects. It's almost August...
Meezer_Mom
7-31-17, 1:24am
I adore pickled vegetables. The only ones I usually see are beets. Need to look a little harder. I need more veggies in my diet.
rosarugosa
7-31-17, 5:10am
Well July did not turn out to be a frugal month at all for us, let alone uber-frugal. Maybe we will do better in August. A few small wins:
Switched a recurring bill to a credit card that offered me $25 for doing so.
Received a $150 gift card from my employer for taking advantage of wellness incentives.
Went to a free showing of The Tempest by our favorite local theater group yesterday. It was a perfect day and at a park right on the ocean. We made a donation of course, but still pretty inexpensive entertainment, and we resisted the temptation to eat out afterwards.
I adopted the subscription for Horticulture magazine at the public library. I'm including this as a frugal because it was a mindful expenditure that I feel really good about. I do love the library and get so much value from it.
My July was spendy. I went significantly over budget prepaying for heating oil, paying real estate taxes due both 8/1 and 11/1 (I like to prepay expenses as part of my emergency fund as it were), and last and definitely least in terms of cost helping DS with back to school clothes.
rosarugosa
7-31-17, 5:22pm
Yppej: Yes, property taxes for 8/1 were a factor and an unexpected car repair. There were also some expenditures that were avoidable though, and at some point, I seem to have developed an "oh what the hell" mindset. That mindset is banished for August!
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