MAKE A MEDICAL SAVINGS ACCOUNT

My husband’s company does not offer the option of a medical savings account. I opened a savings account just for medical bills. I put a set amount in it every month. I no longer worry when I need to go to the dentist because I know there is money in that savings account.

Since the only money in there is for medical expenses it does not get spent accidentally. I was glad of that when I received my bill for a recent trip to the ER. They offered a 15% discount if it was paid in full within 20 days. Thanks to my medical savings account. I was able to pay it right away.

A note on the bill for the ER visit.

A note on the bill for the ER visit.

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IT’S NOT THE COINS, IT’S THE CANDY

When I vacuumed under my couch I found coins and M&M's.

When I vacuumed under my couch I found coins and M&M’s.

I have a note on my calendar to set out ant poison today.  I realized I saved myself a lot of trouble when I vacuumed under the couch last week. The M&M’s would have made the ants very happy.

Keeping your home clean is one way to deter bugs. You don’t want to feed them and you don’t want to pay an exterminator!

My son was thrilled that I was in a vacuuming mood. I vacuumed an area rug and found the missing SD card to his cell phone. It had slid underneath it.

SAVE THOSE BOXES

When I get a new appliance or anything with a warranty, I write the expiration date of the warranty on the box in permanent marker and my husband stores the empty box, with the packing materials inside in the garage.  He checks the boxes every so often and recycles the boxes that the warranty has expired.

This way, if something goes wrong during the warranty period, we have the original box and packing materials to return the item. Since the majority of warranties are only 90 days, the boxes do not stay long in the garage.

Save box until warranty expires.

Save box until warranty expires.

DON’T EAT WITH YOUR EARS

I am famous for serving leftovers, even breakfast. I cook breakfast on Monday and Tuesday, but we eat the leftovers on Wednesday.

This Wednesday I gave a family member the choice between rolls with ham and gravy, (leftover from Easter dinner), or oatmeal with raisins and cinnamon. This individual loves biscuits and gravy and I was sure which one they would pick.  I was shocked when they said,

“That doesn’t sound good!”

I replied, “Fine, I’ll eat them.”

I sliced the rolls into thin layers and smothered them with ham and gravy. I put them in the microwave and heard, “I guess I will eat them after all. I’m sure you don’t like them.”

Funny, they didn’t sound good; but they sure smelled good!

We get caught up in the trap of choosing food that sounds good. Or worse, deciding based on what we are “hungry for.” (I used to make my menus a month at a time and buy everything all at once at Aldis. Now my husband does all of the shopping and I make my menu based on the weekly sales.)

We are used to ordering whatever our “little old heart desires” in a restaurant. We need to make a plan, or menu, and stick to it. It is amazing how much better found ‘sounds’ when you can smell it.

I am reminded of something my dad used to say, “You don’t eat to taste, you eat to fill.” He said that a lot the month they served us liver three times a day at the Bible school where he was the maintenance man.

Ham and gravy over rolls for breakfast.

Ham and gravy over rolls for breakfast.

AN OUNCE OF PREVENTION

Cleaning the oven is a chore most people dread, even if it is a self-cleaning oven! Since most of the time the drips are on the bottom only.  I put a piece of heavy-duty aluminum foil on the bottom of the oven.  It is easier to replace the foil, than to clean the oven. Before you start baking for Easter, line your oven with foil.

Line base of oven with foil.

Line base of oven with foil.

YOUR EASTER OUTFIT IS ALREADY IN YOUR CLOSET

I was going through my closet looking for clothes to wear to church on Palm Sunday and Easter Sunday. I read two new trends for spring were to wear all of one color and use neutral accessories or to wear Black and White with a pop of bold color.

I went through my closet and pulled out my few dress clothes. As I have been housebound for six years, my wardrobe consists mostly of tee shirts in various necklines and sleeve lengths. I layer them depending on the temperature and wear sweaters or a blazer over them when it is cold.

I found a black and white print skirt and cobalt colored shrug. I picked out two shirts to wear under the shrug and a decorated cobalt scarf. I hung the outfit on my closet door last weekend. Each time I looked at it I thought of the other accessories I had. I remembered a pair of earrings that would match the decorations on the scarf.  By this weekend, I had a “new” outfit that had been in my closet all along.

I did the same thing for Easter Sunday. I pulled out the yellow suit I wore to my son’s wedding and a yellow tee shirt to wear under it. By the time this weekend rolls around, I will have turned it into an Easter outfit!

The trick is to hang it outside of the closet to make you look at it and evaluate accessories to wear with it.

The suit I wore to my son's wedding. it will become my Easter outfit this weekend.(Photographer - timestocherish.com)

The suit I wore to my son’s wedding. it will become my Easter outfit this weekend.
(Photographer – timestocherish.com)

 

HOMEMADE BROWN-AND-SERVE ROLLS

I love the taste of homemade rolls. In fact, I have one recipe that I named after my daughter-in-law because I made them for the first time for her birthday dinner. The outside was warm and brown and the inside was light, airy, and almost doughy.

I have never been able to repeat that success because I tried to bake the rolls on 350 degrees with the other foods in the oven. I think they have to be baked at 400  degrees.

This year for her birthday dinner I found how to make “Brown-and-Serve” rolls.  Use your favorite recipe for rolls and bake them at 275 degrees for 20 minutes (do not allow to brown). Remove from pans; cool to room temperature. Wrap in aluminum foil. Store in refrigerator no longer than 8 days or freeze no longer than 2 months. At serving time, heat oven to 400 degrees. Bake until golden brown, about 15 minutes.

I saw the cutest rolls on Facebook the other day. After the rolls had risen, they snipped 2 “ears” and poked 2 “eyes” into the front of them.  When they baked them they looked like rabbits.

Homemade "Brown-And-Serve" Rolls.

Homemade “Brown-And-Serve” Rolls.

DESCRIBE THAT NOISE

I am busy getting ready for my daughter-in-law’s birthday dinner. I have been baking, cooking and decorating for three days. The dishwasher is running for the second time today and will have another load to wash after dinner.

It has been making a funny noise. Have you ever tried to describe a noise an appliance is making to a repairman? It is frustrating and a little embarrassing. I solved that dilemma by making a movie of the appliance making the noise on my camera. When the repairman arrived, I played my 30 second video.

Dishwasher

My broken dishwasher .

INVENTORY YOUR CHRISTMAS ITEMS

If you have already put away your decorations for the year, you should still make an inventory of the new decorations you purchased. It will keep you from buying duplicate items. You should have a list of the number of boxes, bags, rolls of wrapping paper and Christmas cards you have on hand.

If everything is boxed up, but still not taken to the attic or garage, you might want to open them up to inventory them. Be sure to set aside any that you no longer love to donate.

If your tree is still up and the halls are still decked, I have one thing to say…”The wise men already came, (Jan. 6th), it’s time to start putting it all away!”

When you finish, you can always decorate for Valentine’s Day and the house will no longer look bare.

My 2012 Christmas Tree

My 2012 Christmas Tree

RECORD ODOMETER READING

It is good to record the mileage on your vehicles at the beginning of the year. You will need that record, how many miles the vehicle was driven, for income tax purposes if you used your vehicle for a business that you want to deduct mileage on.  It is also helpful to see if you qualify for some discounts on your auto insurance.

Record odometer reading.

Record odometer reading.