This used to be my Mom's and Pop's (stepdad). It's what they used to save money for Christmas to all the grandkids and great grandkids.They did cash or wrote a check.
Since we have went to cash for groceries, dogs needs, eating out(the only entertainment we do) and other odds and ends. I've actually had change and have filled this up a couple times.
We have been doing "some" frugal things. Then Hubby decided he was retiring in Jan 2019, 2 yrs sooner than we had planned. I'm not going to tell him he can't for any reason, he works a very hard and active job and he is the oldest in the dept and has over 30 yrs at the plant.. He doesn't want to change jobs at the plant or shifts. Fine with me and it really is fine. We have a 401k and pension.
BUT I would like to "make up" what isn't going to be earned those 2 yrs as much as possible BEFORE he does retire out on the cash reserves part.
I went over to frugalwoods blog and started rereading.
Went back over our health ins and the budget. We need to decide where we will take the hit when he retires if we don't make up the missing reserves.
We decided to eat from the pantry for the month of April with only a few things to buy.
We made a list in Dec of what we wanted to get done this year by mid Aug.I need to work harder at getting it done in the that time frame with the weather getting warmer.
I want to have the gardens ready to plant by next weekend.
I want to finish changing the closet lights to LED light bulbs.
I am scheduling sewing time.
I am having sugar issues, borderlining diabetes so I need to see what my ins will pay if I have to continuing to test.
Yard sales will be starting and I am going to make a list of what I am looking for this week.
Amish produce auctions start this month and I have a limit of amount I am going to spend.