Bob B.'s Financial Soundingboard

The organization I work for is funded largely by state tax dollars. Obviously, the Covid situation will result in fewer tax dollars going to the states. Leadership at my organization has decided, rather than layoffs, to reduce everyone's salary, and reduce the amount they contribute to retirement.

The salary adjustment is on a sliding scale that ranges from a 0.5% cut to an 8.0% cut, with lower salaried people receiving a 0.5% cut, and the highest salaried people receiving an 8% cut. My salary is in the range where there is a 1.0% cut, which amounts to about $52 per month. If you want to do the math, you can now figure out my salary.

The amount that is contributed to our retirement has been cut in half, regardless of salary.

It's been clear since March that something would have to happen, and I prefer this method over layoffs. Everybody bleeds a little, rather than a few on the chopping block.

The changes go in effect September 1. Our fiscal year begins October 1, and that is historically when we are given our raises. I can't imagine anyone will be getting a raise this year, or that will wipe out the gains of this negative adjustment.

All in all, I'm happy to still have a job.

It's been about three weeks since I've made the deliberate decision to get in shape. Actually, my first step was about five months ago when I cut out soda completely. Three weeks ago I cut out other sweets and started an exercise regimen. I run/walk for 30 minutes each day, trying to run more today than I did yesterday.

Then there's my running shoes. They are ten or eleven years old. They're not exactly falling apart, but they've seen better days. I hesitate to buy a new pair because of the cost. I'm not even sure what a decent pair would cost. My soon to be ex wife bought this pair for me. Of course, the sky is the limit on the high end of what I could spend on shoes and other outfittings for running. I'm guessing I could get a decent pair of shoes for $50-$60. I should hop on to Amazon, and take a look.

I've lost about three pounds over the past three weeks (222 pounds down to 119, at 6'1" tall). I was 180 pounds in college. I'd say anything south of 200 would be a good goal, as long as I can find a way to maintain it.

I've found a way to make a little cash on Saturdays. I drive my Amish neighbors to a Farmers Market where they sell baked goods and locally grown organic produce. The market is 33 miles away (66 miles RT), the total day is about 8.5 hours, and I pull a trailer with my pickup. The pay is $140 for the day.

I don't know what to figure for mileage/wear and tear on my pickup, because I'm pulling the trailer, and that uses extra gas. I'm ball parking it at $0.70 per mile. So that's about $46 in mileage. So that means I'm getting paid about $11 for my time. And, I'm building good will with my neighbors. Plus, it really is a good time. I have been put in charge of displaying and selling the produce during the market.

The only real negative is that we leave at 5:45 in the morning, which is early for me. And I get home wiped out.

My eldest is going to college in a couple weeks. She applied for a bunch of scholarships, and has about $84K in scholarship money. That will go a long way in paying for her education.

She'll be attending Michigan State University. The biggest issue looming is, of course Covid. On or about August 4, the University president sent out a message to students that if they had the ability and desire, they were encouraged to stay at home and learn remotely. DD has decided to go to campus. She's 18 now, and made the decision on her own.

The atmosphere will be totally different that when my wife and I were there. No football Saturdays this fall. No stopping to watch the marching band practice.

Interestingly, she has been assigned the same dorm I stayed in freshman and sophomore years.

Hi. I've been gone for a while - about four years. I'm back, hopefully with some regular updates.

For those of you who follow the forums - you probably know that I'm getting divorced. I do know one thing about it - the financial implications are huge. I've retained an attorney, and my wife has retained an attorney. That's +$5,000, and we haven't stepped foot into the courthouse yet. Actually due to Covid-19, I'm not sure that we will ever step foot into the courthouse, but I think you get my meaning.

If you haven't read my entry in the forums, I'll let you know that it's about my retirement fund and penalties/taxes when it is inevitably split. Fortunately I found out that if the court issues a Qualified domestic relations order (QDRO), there are no penalties or taxes on that money.

So that question has been answered.

I still have questions on asset/liability splits and how much I will owe for child support/alimony. Don't get me wrong - I want to support my kids as best as I can. But it's like a huge question mark looming over me not knowing. I can't budget for the future. But, time will tell.

It feels good to be back so I can blog all of this out. Thanks for reading this far.

Thanks everyone for the warm welcome back. Ultimately we lost discipline. Someone asked about my health focus - I am 280 days free of my addiction to nicotine. I'm still very active over at the quit chewing tobacco site. In fact, I've tried to send a couple of the guys over here.

One of the expenses that ended up on my credit card is a gold cap on one of my molars. The molar directly closest to where I held my wad of tobacco for so many years. So, I have no doubt about the cause of the deterioration of the tooth. The cap cost about $1,100.

You would think that quitting the tobacco would allow me to save money. Unfortunately, I've been buying a lot of junk food and sugar free gum to subside the cravings. Basically, I've spent up to half on alternatives to keep my mouth busy as I spent on the tobacco itself.

So, this is day two of my concerted effort to stop buying the junk.

Thanks again for the kind words and thoughts.

Looks like I haven't posted since March.

We've gotten ourselves into a CC debt problem again. It's about 11K. Hard to believe I let it happen again.

The debt is all on one card, and as of right now, at 8.9% interest. As long as I don't miss any payments, it will stay at 8.9%.

It's also maxed out, or close to it. So, as long as we don't start charging up another card, which I don't think we'll do, it will stay at 11K or less.

That's it for now. But, I'll get active here again.

The Amish guys that sided and roofed our barn didn't use all the materials we purchased. They were left in a nice, neat stack, but they never did mention to me or DW that there were any left overs.

My experience is that Amish crews do a great job. They work quickly, they are honest, and the finished product is done very well. They biggest complaint I have is how they communicate. Generally, they don't do very well with communications. First, and most obvious is the lack of phone communication.

What I'm about to describe is the Amish order that lives in my neighborhood. As I understand it, the different rules that govern Amish orders can vary drastically, and the community in my neighborhood is probably about in the middle, not particularly conservative, not particularly liberal.

Amish people in my neighborhood are allowed to have telephones in their place of business, but not in the house, and they can't own cell phones. They guy that did our work has a land line out in his shop that he shares with his dad, who is a tarp maker. There is no answering machine, but there must be caller ID. Every time I called, I would let the phone ring several times and hang up. Then I would get a call back, it might be later that evening, it might three days later.

When they guy was working on our barn, he did give me the cell phone number for his English driver so I could talk to him directly. If he happened to be with his driver. And, I'm pretty sure that Paul, our contractor, wasn't strictly on the up and up when using the cell. It has to do with whether or not the phone is connected to the earth. I'm not really sure.

Also, Paul wasn't on-site actually doing the work. He had two employees that did all the physical building. You see, Paul had been kicked in the ribs by a horse a few weeks before. That was a terrible, and painful accident, and I felt bad for him, but it also created another barrier to communication. With him not on site each day, I communicated in person with his employees, rather than Paul himself each day. Again, they did great work, but I didn't always know for sure what was going on.

Which brings me back to the beginning of my post. The afternoon that the crew finished the roof and siding, we were hit with a big snow storm. When the snow melted, there were three piles of stuff that the Amish crew left. One was a pile of mostly scrap lumber, with some plastic and steel mixed in. One was a pile of mostly scrap steel, with some lumber and plastic mixed in, and one was a plié od unused, returnable steel.

I hadn't recognized it immediately as returnable steel, because of the snow and the mess in the yard, and because no one had mentioned to either DW or me that there were any left overs.

When I did recognize it as returnable, it took me a while to get back there, and get the stuff returned. The ground has been fairly wet and soft, and I didn't want to rut things up too badly.

I finally did get the stuff returned this morning. The steel roofing/siding dealer is another Amish neighbor who lives about 1/2 mile down the road from me. What I returned was - 17 pieces of J Channel @ $5 per piece, 1 piece of L Shaped steel @ $12 per piece, and 1-10' piece of steel siding @ $20. That's $117 of returned material. I had no idea it would be that much.

I took the cash directly to the bank that we used for the loan to renovate the barn. I used it as a payment toward the loan. That seemed like the only logical thing to do with it.

If you ever have to opportunity to do business with an Amish person, they do good work. At least the Amish people I've worked with. Every group has its bad apples, I'm sure. But, they are culturally different from non-Amish. They work hard, but at a different pace. The things I find important, and worth getting in a rush over, aren't necessarily the same things that they get in a rush over.

I got my hair cut by a professional last month for the first time in about 2 1/2 years. I've been using clippers to cut my own hair for about 6 or 7 years. That coincides with the same timeframe that I came here to SA when I was butt broke.

A set of clippers costs about $30 locally. A haircut with tip costs about $15. At a haircut per six weeks, the math is pretty easy.

The way I had been doing for the first 3-5 years of using the clippers is that I would alternate between clippers and professional hair cutters. So I would say I was getting 3-4 haircuts per year. Then, about 2 1/2 years ago I just quit going to get my hair cut, and did it myself.

My recipe went something like this - #8 guard (1 inch) on the top. #6 guard (3/4 inch) on the sides. #2 guard (1/4 inch) above the ears and very bottom of the back. Blend with a 3 or 4 guard, or both depending on available time and patience.

Just recently I grew tired of the super short hair. In fact, when I went in for the haircut last month, my hair was fairly shaggy for me. It's starting to get shaggy again.

I think I'm done with the clippers for now. At $15 per cut, and two cuts every three months, that's $10 per month. I'll chalk that up to another treat for myself since quitting the tobacco.

I still use the clippers for my two sons, so we are saving money as a family with the clippers. Who am I kidding? Both boys have special needs, and taking them to a professional is not much of an option.

The scrap that was left over from our barn renovation has been cluttering our yard. I took some time this morning before work to tidy some of it.

Some of the scrap is left over lumber, some is plastic and cardboard packing material, and some is steel left over from the roofing and siding. I hauled the scrap to our local scrap dealer.

I took two loads, that combined to total #600. When I settled up, I received $9, or $30 per ton. Seven years ago, when we started cleaning up around the farmstead, it was selling for about $250 per ton. That was clearly an inflated, top of the bubble price. That was the same summer that gasoline was selling for as much as $4.50 per gallon, and corn was selling for $7.50-$8.00 per bushel. For those of you who haven't been watching the grain markets, corn is selling locally for $3.60 per bushel.

It's difficult for me to wrap my head around how commodity values can swing so drastically. But they do, and it seems to be a post 9-11 reality.

As far as the scrap metal goes, and I've blogged about this before, today I cleaned up the yard, and the steel is a waste that I can recycle and get paid for it. I don't care how much I'm paid for it. I could have sat on it until the market went up, which it inevitably will, but I don't want to store it. I want it gone.

Hauling the leftovers from our renovation allowed me to also haul a small amount of scrap that was accumulating outside of the renovation process, including a grill. We've had that grill since we were married in 1996, and my in-laws gave us a new one for Christmas. It was a little bit sad to see the old original grill go. We've hauled it to every home where we've lived since we were married. But, it was time.

Our barn renovation is complete. And we came in ... under budget.

I've never been able to type that before when it comes to a contracted project like this. And, keep in mind when I say "under budget" I mean by just a couple hundred dollars. But, it's still under budget nonetheless.

I woke up this morning to an electricity outage. We're having an early spring thunder storm. I got the generator going, and we were all able to compete our morning routine. As I was heading out to work, I saw that the electric company service vehicle was just pulling in to our neighborhood.

The electric line that services our house is three miles long. It connects to the main line via a line that runs through a swamp to the south of our house. That is always where the power outages occur. As I understand it, our electric company has scheduled a project to have trees and branches cut back this summer. Hopefully that helps alleviate the problem.

I have my NCAA tournament bracket filled out. It's not much of a stretch this year, so I picked my MSU Spartans to win it all. I picked Kansas, Oklahoma, and West Virginia to round out the Final Four, and MSU to win in the championship game against Oklahoma.

We paid off DD1's braces a few weeks ago. I had increased the amount taken out of my pay check for my flexible spending account, and I was able to pay off the balance using that. It's good to have it paid off, but my pay check is correspondingly smaller. The advantage, of course, is that our tax liability is decreased.

Hi,

I've returned, and will be providing my normal irregular posting here in the SA Blogosphere.

For those of you who may have missed it, I quit using smokeless tobacco near the beginning of the year, and took a hiatus from SA to start another blog at a site related to quitting smokeless tobacco. Today is my 53rd day free of all forms of nicotine (I had used Nicorette gum for a few weeks).

While I was at the other site, I blogged on such topics as: how I became addicted, weight gain, aspects of addiction, nicotine pushers, my previous caves, smokeless tobacco user stereotypes, sin taxes, temptations, $ previously spent on tobacco, phases of a quit, thinking about tobacco, nicotine as a laxative, tobacco replacements, anxiety during a quit, oral health, and trigger events.

Who new that for 25 years, nicotine had worked in my body as a mild laxative, and removing it from my system ...

Number one, I've kind of run out of topics without becoming redundant, and number two, I'm at a phase in my quit where things are a bit more smooth than they were a couple months ago.

Don't get me wrong, I still need to steel myself against caving, and going back to tobacco use. But I'll be doing that more on the forum side of the site than the blog side.

Within the forums I have my own "quit group", that is, other "quitters" that quit within the same month that I did. According to the site rules, I couldn't count the period that I was using Nicorette, only the days that I was completely free of all forms of nicotine.

Within my quit group, I do what's called "posting roll call" each morning. When I post roll, I make a promise to all members of my quit group that I will not use nicotine in any form for that day. We post roll every day, and make the same promise. It seems to work really well.

Just like any on-line forum community, there are spots within the forum to help others, new quitters and old quitters.

As far as the blog goes, I was the only one actively using it for the past six weeks. I got a few comments, and I could tell that others were following it by some comments in the forums. But, it's not like here where there is an active community. The active community is pretty much in the forums.

But, just like when I joined here to get out of debt, my quitter blog helped me organize and clarify my thoughts, and helped me to stay accountable.

I'm just at a point where I can do that through the forums by themselves.

And, I thought I'd come back here to blog about all that money I'm not spending on tobacco anymore.

Hello all. I thought I'd check in.

Our barn is nearly complete. I looks like we'll com in close to budget. Our roofing/siding crew finished last week, about five minutes before the great Midwestern blizzard of 2016 started.

We have some finishing work to get done inside the barn. Our contractor still needs to hang some gates. He would have had it done already, be he would have had to compete for space with the roofing/siding crew.

We did splurge on one item that was completely unnecessary. I bought a 4'X8' sheet of white Azek. That's a composite material that's popular for decking, because it resists mold/mildew, stays white, and is generally very tough.

I think I spent around $120 on the sheet. DW then drew the outline of an MSU Spartan S on the sheet. We then had our contractor use his jigsaw to cut the S out. Actually, there was enough room on the board that she drew in two S shapes, one big, that's on the barn. One small that we'll use for something else.

One of us COULD have used our jigsaw to cut the shapes, but neither one of us was confident enough in our skills to not screw it up, so we had our contractor do it.

When the project is all finished, I'll tally up our spending an report how we did compared to budget.

I'm going to try to add a picture of the barn, the view from the east.

The good news is that I'm still quitting my smokeless tobacco habit, so there's that.

The other day I mentioned finding a quitters forum. There's also a blog side to that site. I've started blogging there. Right now quitting smokeless is more pressing than guarding my finances, although guarding my finances is no less important than it's been over the past five years.

As I'm sure it's not difficult for you to imagine, the vast majority of participants on the quit site (it's killthecan.org) are males. And what's true here at SA is also true at KTC - the men tend to use the forums, and not the blogs. And, there are no women to use the blogs (It looks like there have been a few women, here and there, but the overwhelming majority of people on the site are men).

So, the blog side of the site is dead. There have been a few valiant tries at getting the blogging going, but it's mostly dead. You can find my blogs at quit4today.com

So far I've got two blog entries, and I'm going to try for a post per day pace.

For some reason, when the most pressing issue in my life was getting out of debt, I found it so much easier to organize my thoughts, and formulate a plan in this blog atmosphere. Now that quitting tobacco is the most pressing issue in my life, I find the same is true. There's a lot of noise on the forum side. It's just that there appears to be no one but the site administrator, who appears to be a good thinking person, following me.

So, I'm trying to promote the blog side in the forums. I'm going to keep blogging, and we'll see where it goes.

I just wanted to drop a line here, and let you all know that I'm still here. I'm still quitting, and I appreciate all that so many of you have done for me over the past five years, but I'll be gone for a while. I'm sure I'll be checking in once in a while. Heck, it's not like I've not dropped out and popped back in several times before. It's just that this time it's a planned drop out.

We filed our taxes this weekend. We're still using the adoption credit, so we're getting a $4K refund from the feds. Our state refund is $390.

It feels like March outside. There were several reports of ice fishing disasters over the news this weekend. Just now, during lunch I heard of an accident involving a dad and a 4 year old. Sounds like they were both under the ice for a while. Sounds like the dad didn't make it, and the young boy is in rough shape.

We filed our taxes this weekend. We're still using the adoption credit, so we're getting a $4K refund from the feds. Our state refund is $390.

It feels like March outside. There were several reports of ice fishing disasters over the news this weekend. Just now, during lunch I heard of an accident involving a dad and a 4 year old. Sounds like they were both under the ice for a while. Sounds like the dad didn't make it, and the young boy is in rough shape.

Today is pay day. I'm paid once per month, on the last working day of the month. It's always nice when payday falls on a day when there are still a couple days left in the month. My pay check was deposited into my account at 12:00:01 midnight, this morning. All of our bills are set to be paid on the first of the month, so we'll have a healthy looking checking account all day today, tomorrow, and Sunday. Then the draining will begin.

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I paid off my pickup loan last October. I had been waiting for a lien release letter from our credit union. I even mentioned to my wife a few days after I figured that I should have gotten the letter that I was expecting the letter any day. The letter never arrived, or if it did, I completely missed it, and I don't remember DW mentioning that it did arrive.

For whatever reason, I totally forgot about the release of lien letter, until yesterday. I logged on tot he CU web site, and sent a message voicing my concern. I logged back on today, and sure enough, there was a reply to my message. A Mr. Perez had replied back, acknowledging that I had, indeed paid the loan, and the CU could, indeed, release its security interest in my pickup as collateral for my loan. Furthermore, Mr. Perez assured me that the CU had sent me confirmation of that in the mail. But, for my convenience, Mr. Perez attached a new termination of lien to the email. Mr. Perez also reminded me that the CU would be happy to finance my next vehicle when I begin looking again. Thank you Mr. Perez.

Probably we did receive the letter in October, and it has been forced into the bowels of a household of four children.

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Speaking of my children, I have to brag about DD1 one more time this week.

DD1 is in FFA, as I have blogged about before. FFA district leadership contests are next Wednesday. DD1 will be competing again in Jr. High public speaking. Her speech is about highly pathogenic avian influenza.

Her agriculture teacher, Mr. W announced that all FFA members who would be participating in leadership contests would be excused from class at 1:45 next Wednesday so they could change into official dress (OD), and board the bus to travel to the school where the contest will be. OD is an FFA jacket, black slacks or skirt, black socks or hose, white shirt, and blue tie. The chapter provides a jacket to students who do not have one.

DD1 informed Mr. W that she planned on wearing OD all day at school, even if she was the only one. She then told all the other Jr. High students that they could wear OD all day, and that she wanted them all to sit together during lunch. The other JR. High members apparently are going along with DD1's plan.

I'm not sure when all this campaigning happened, whether it was yesterday, or some other day this week, but this morning, a message went out to all High School FFA members informing them that if they plan on participating in leadership contests, they are REQUIRED to wear OD during school hours!

The chapter is young, I think it's in its fourth or fifth year. There aren't a lot of traditions yet. But I guess someone needs to start building them.

Quitting spit tobacco .... check
My daughter's scholarship .... check

Actually, I found a new forum. It's basically the same as the old one I was on a few years ago. In fact some of the articles, and the basic culture are the same. My guess is that the old one folded, and this new one was resurrected by former members under a new url, and the old url is still out there. Too bad there wasn't something to direct me to this new one. So my posts about quitting will become less, because I've found this new outlet. But I'll probably speak up about it every now and then just to let you all know I'm still quit.

The thing about using sugar free chewing gum as an alternative ... my kids can bum a piece off of me. Yesterday DD2 got two pieces, and DD1 and DS2 one piece each. So it's going to get more difficult to keep track on my mental spread sheet.

Honestly, I've got to start winding down this budding chewing gum habit. It's not as damaging, it's not as expensive, but it's a habit that costs money. I mean I honestly almost always have gum in my mouth now, at work, at home, at church - almost all the time. That's the difference when your habit is socially acceptable. The mentality of satisfying a craving just doesn't seem right, no matter how harmless, and comparatively inexpensive the new habit is.

And here I thought I wasn't going to blog about quitting today....

We should be ready to complete our income taxes now. I think all our papers are in. It's just a matter of finding the time to sit down and get them done.

This will be our fourth year of claiming the adoption credit. I think the credit can be claimed over five tax years. An accountant goes to our church, and I asked him to make sure. He wasn't sure. He says he can only remember doing one adoption credit before, and that's back when it was fully refundable - this accountant is about 5-10 years younger than I am. He said that he could look for me, and I told him no to worry about it.

I've not blogged at all about the Flint water crisis. I know it's made quite a few national headlines. Flint is a bit more than an hour west of me. I drive through Flint on the interstate every time I drive to Lansing, and Flint is about half way. It's a very sad situation. It's almost unbelievable that something like that could happen in 2016.

Michigan State University awarded my thirteen-year-old eighth-grader a $2,000 scholarship yesterday.

It's called a "pre-college" scholarship, and can be used to offset the costs of tuition as she pursues a bachelor's degree at MSU, pending acceptance into MSU, of course.

Some of you may remember me blogging about the 4-H Natural Resources camp that DD1 attended this past summer. Up to 5% of attendees were nominated by the camp counselors to apply for this scholarship.

Attendees of other 4-H summer programs can also be nominated, programs like a 4-H veterinary camp, a 4-H renewable energy camp, and participants in the annual 4-H Washington D.C. trip. There are also non-4-H MSU youth program attendees that are nominated.

Nominees have to be in 8th, 9th, or 10th grade when they are nominated, and need a recommendation letter from a teacher that teaches one of the core subjects. A total of 60 students receive the scholarship each year.

DD1 filled out the application in October, and found out yesterday that she was one of the 60 awardees!

Today is the 29th day I've been free of spit tobacco, and the 5th I've been free of nicotine gum.

I think I can give the gum away now. Or at least most of it. Three pieces have been separated from the blister pack strips, and are floating around as singlets. I'll keep those three pieces as emergency back up, and give the other pieces (28) away.

I'm going to give them to a guy with whom I work. He works at a different location than I do, but I'll be seeing him this afternoon. He's never given any indication that he'd like to quit smoking, but I pretty much figure that anyone who has been using tobacco for more than about ten years (probably less), and/or is older than about 25 (probably younger), would prefer to quit, whether they admit it or not.

For me at this point the sugar free chewing gum seems to be doing the trick.

Yesterday, LR left a comment on my post about her experience quitting soda. We call it "pop" in Michigan. Not sure why.

She said that soda was difficult to quit, but now that she has, she feels better, and has saved money.

I drink quite a bit of soda as well. Not a ton, but I would guess up to 50-60 ounces per day. Not that much every day, but it wouldn't be uncommon.

Also, as I alluded to yesterday, I have more opportunity to drink soda now that my mouth is empty of the tobacco.

So, really soda is something that I should cut back. And since "cut back" doesn't really seem to be an option in my life, "eliminate" is probably the only realistic option.

I would guess that when it comes to bad habits/addictions, that there's a hierarchy. That is tobacco is a "worse" habit/addiciton than soda and caffeine. For me, anyway, before I can really think about the harm that soda is doing to me, I really need to take care of, and eliminate the tobacco first. The same might be true of an alcoholic that smokes. Before they can or should quit smoking, they should take care of the more destructive habit first.

Maybe I'm getting too philosophical now, or maybe I'm coming up with an excuse for not slowing down on my soda consumption. Either way, I'll start considering soda elimination after I have tobacco kicked, and that will probably be another 2-3 months, I suppose.

I also wonder if I'm feeling better now that I'm sans tobacco. I've never really been well in tune with my health. Clearly, the inside lining of my cheek, and gums is less raw, and feels a lot better. That was true after only a couple days, and has continued to improve. But, I'm not noticing much else in the way of "feeling better". But, every day, month, and year that I stay away from the tobacco decreases that chance that I'll get cancer, and that's a lot.

My 28th day tobacco free, and my 4th day nicotine free.

My apologies for high jacking this blog as my personal quit tobacco support site.

The truth is, in the past when I tried to quit, there was a forum site dedicated to quitting smokeless. I became a member, and found it to be helpful. That site is apparently not supported anymore.

Obviously, quitting tobacco ties in very closely with saving money, second to things like health and cancer prevention. So, there's that.

Also, folks in the SA blogs tend to be supportive by nature, so I thank you for that as well. And it is nice to just blog about this in relative anonymity.

I continued to stay away from the nicotine gum, and chew only the sugar free chewing gum. It seems to be working without any major fits.

Last week, CCF reminded me that nicotine is a POISON. It's funny, because I took an entomology class in college, where I learned that nicotine was one of the very early insecticides used on crops. Even today, nicotinoids are effective insecticides.

From an academic stand point, I've very aware for a very long time about the poisoning attributes of nicotine, and yet the addictive attributes were more powerful.

As far as the financial implications of quitting, the chewing gum appears to cost about half of what the nicotine gum cost, and the nicotine gum cost about 60% of what the tobacco cost. So my daily cost is about 30% of what it was before - using chewing gum over tobacco (plus the health and social benefits!).

I'm still not holding myself back on the chewing gum, chewing two pieces at a time whenever I get the urge. I'll stick with that plan for a while yet, and wean myself down at some time.

But, it's also very true that I'm tempted to eat more food as well. Without getting too graphic, it's difficult to eat with a wad of tobacco in your mouth. Now that that wad is not there, I have the freedom to snack a lot more. Something else I'll have to work on with healthful alternative, etc. If it's not one thing it's the other thing!

Thanks everyone for your words of support and encouragement after yesterday's post.

As far as plans for my savings - we have asked our cleaning person to come two hours every week, rather than three hours every other week. That will increase our spending on cleaning by $30 per month. Also, our emergency fund needs attention.

Ima Saver included in her comments the cost of a pack of cigarettes when she started and stopped smoking. That got me to thinking about what a can cost when I started. It seems like it was just under $2? in 1991. More than $1.75, and less than $2.00 seems right. I was buying a premium brand back then.

About 10 years ago that premium brand hit $5.00 a can. That's when I switched to the discount brand I'd been using ever since. It seems like that discount brand was somewhere between $2.25 and $2.50 when I switched. I do remember it being less than half the cost of the premium brand.

Most recently that discount brand has been costing me about $3.00 per can, although certain stores would sell it for as much as $3.60.

I was using anywhere from 7-9 cans per week, so about $25-30 per week.

I bought a 110 pack of nicotine gum on January 4. I have 31 pieces remaining. The pack cost a bit under $50, or about 45 cents per piece. I've been using an average of 4.4 pieces per day, or just under $2 per day.

Here's the good news - since I made my post here yesterday, I've used exactly one piece of nicotine gum! I bought 72 pieces of regular, sugar free chewing gum after lunch yesterday. The 72 pieces cost almost $6, or about 8 cents per piece.

It didn't take me long to determine that I'll need to chew two pieces of this gum at one time, just to get enough volume in my mouth the satisfy my craving, but I plan to do this without nicotine for the duration.

So far, I'm not even trying to limit myself with the chewing gum at all, like I was with the nicotine gum with a minimum of two hours between each piece. With the chewing gum, if I have a craving, I pop two pieces in.

We'll see how long these 72 pieces last. I've used 20 since 1:00 yesterday (it's 9:20 am right now). I'll have to limit myself at some point, but for the time being, and the foreseeable future, I'll not limit myself at all.

The only question I have is what to do with the nicotine gum. Keep it to satisfy a monster craving, or throw it away?

What has concerned me the entire time I've been using the nicotine gum is that I'll just use that to satisfy my addiction, and never get off it. Now that I've taken this step with the chewing gum, maybe it's time to get rid of all forms of nicotine.

But, if I do get a really bad craving, or if something happens in life that I tell myself I "need" a fix, a piece of nicotine gum is way better than buying a can at a gas station.

For now, I'm going to keep the nicotine gum. I'm going to give myself the weekend, and revisit the question Monday.

The cheapskate in me says - I bought the stuff, it would be wasteful to throw it away! The rational side of me says that's part of the reason I used tobacco for so long - I never wanted to throw a can that I had bought away!

I have a bad habit that I've not discussed here before. I'm a nicotine addict. I don't smoke. I use smokeless spit tobacco. Gross, I know. Expensive, and bad for my health, too.

I've not used smokeless since December 28, 24 days ago. That date had more to do with the schedule around my holiday break than an actual New Year resolution, but you could call it a New Year resolution, too.

This is the third time in that I've been serious about quitting. I'd say the last time was about 2011, also tried around 2007, and about 2002. So, that's about every five years that I try to quit. Obviously, I hope it sticks this time. This time I hope I'm mature enough and serious enough that I will stay quit. I probably thought that same way last time.

To help quit, I'm using nicotine gum. From a financial cost standpoint, I'm spending about 60% of what I spent on tobacco on the gum. So, that's a positive. I've been chewing a piece with a minimum of two hours between each piece from 8-5. And maybe, but not always one piece in the evening. When I hit 30 days I'll extend that to three hours between each piece.

The recommendation is to use the gum for 12 weeks. That takes me through the third week of March. We'll see, but I hope I can kick the gum habit. I'll have to conscious and deliberate about extending the period between pieces. So far I've had little problem with the two hours between pieces. When I say "little problem", I mean I start craving one at the hour and a half mark, but I've been able to hold off until the two hour mark without fail.

So, it seems as if I'm rambling at this point.

The reasons to quit are many, and the only reason to not quit is to satisfy an addiction.

Obviously at this point, I've replaced one nicotine delivery agent with another, but my total daily dose is much less. The first two 20 piece boxes of gum that I bought were the 4mg dose. My most recent purchase was a box of 110 2mg dose pieces. So I've stepped down my gum dosage already.

That's it for now. My plan is to be nicotine free by March 21.

I had some maintenance/repair work done on my pick up. The bill totaled $698.05.

The last time I had work done was a year ago February. My memory tells me I spent about $750 then.

It's paid off, and I bought it used. I'm at that stage where I don't have a payment, but more annual maintenance is required. And an average monthly cost of $60 is much better than a $350-400 monthly payment. I just have to make sure I keep looking at it that way.

About a year ago I set a financial goal for the 2015 year. My goal was to gave a 250K net worth by the end of the year. I missed that. By a long shot.

My net worth a year ago was $227,074. My net worth today is $227,948. An $874 increase.

Of course the stock market is tanking, that's a big factor.

I've also taken on more debt - to renovate that barn that I was talking about last time I was actively blogging, and braces for DD1, that I blogged about in April/May.

Also, when we were lining up the barn loan, our house was appraised. It wasn't fully appraised. We got what is called a BPO - Broker's Price Opinion. That's a drive-by appraisal.

I had our house listed on my balance sheet at 85K, and the BPO came back at 80K. Who knows, if the broker had walked through the house, he might have been closer to an 85K number, but to "official" number was 80K, so I changed my balance sheet to match that, so that's a 5K difference.

I wish I had recorded and saved what my retirement fund balance was a year ago. I have no idea, but I know it is less than it was a few months ago.

I suppose it only makes sense to set my 2016 goal back at 250K for 2016. We'll see how I do this year.

We were approved for the new loan on Thursday, and I returned the signed paperwork on Friday. Our new loan is $38,000, and will be used to pay off my Aunt and my mother and father-in-law for loans they made to us to renovate our house several years ago.

I wanted to clear up one thing that, according to a comment I received on my previous post may not have been clear - We have been paying both my Aunt and my in-laws with monthly installments of $500 and $600 respectively. We will use this loan to eventually pay them off completely.

DW suggested we pay my aunt, rather than her parents first. It makes no difference to me, so we'll do that. Our Oct. 14 payoff to my aunt is $12,273.04. The check is written, and will be mailed once I receive confirmation that the money is available. Columbus Day is throwing things off. Once we receive the final bid for the roof and siding on the barn, we'll make a payment to my in-laws. Depending on what the bid is, I think I can make a payment to them of about $10,000. We're waiting for an Amish crew to return the bid for the roof and siding, and they don't return bids as quickly as "English" crews, but their work is cheaper.

Someone else asked through a comment on here whether this is a HELOC or not. It is a HELOC right now, and can be for up to a year, with only quarterly interest payments due. After a year, or whenever we decide within that year, we'll amortize it for five years.

During that time, of course, we'll continue to make monthly payment to my in-laws. So, I might just wait to amortize the new loan until the entirety of their old loan will fit in. It depends on the final cost of the barn renovation, but I think I can do that by next March or so. We'll see.

It does feel good to be able to 1). pay off my aunt, 2.) make a significant payment to my in-laws, and 3.) get moving on this barn renovation.

The guy we're hiring to do most of the work on the inside also runs a lawn care business, so he said he'll be busy with that until the end of October. The water line out to the barn and hydrant can be done as soon as the plumber can fit us in.

Regarding my post yesterday - I ran the numbers on a relatively small loan from the bank, and not paying my aunt's loan off right away versus maxing out the loan from the bank, and paying my aunt off right away.

The difference is $1,210 more paid in interest over 5 years. Or $242 per year. Or $7.95 per month.

To be clear - my aunt is not badgering me for the money. She is not rolling her eyes when we go on a vacation, or buy something for the kids. In fact, she was absolutely thrilled when we borrowed money from her to renovate our family's farm house.

But, my heart tells me that we shouldn't be beholden to her. Now that we have a way to pay her back, we should. It's the right thing to do.

When we borrowed the money from her, our options were limited. Conventional borrowing from a bank was not an option. In fact, I let her know that we would pay back the money as soon as we were able. We will soon be able to pay the money back.

DW and I will discuss. I've made up a handy-dandy color coded spread sheet (DW is a visual person) that outlines each of the options.

More on this later.

I completed the open enrollment process for my benefits at work. I maxed out my Flexible Spending Account to $2,550, because of DD1's braces. We were woefully short this 2015 year because, again of DD1's braces.

The Flexible Spending Account period runs from Jan 1 2016 - March 31 2017. On Jan 1, our balance on the braces will be $1,580, so that leaves $970, or $80.83 per month for other out of pocket medical expenses in 2016. That should get used up, and if it doesn't we also have Jan - Mar of 2017 to get it used up.

It's kind of unsettling to commit to having more than $200 per month withheld from my check, but that reduces my W-2 income, so it's definitely worth doing.

Also, my FSA plan allows me to pay for expenses even before the money is deposited to my account. So, my plan is to pay the entire braces balance in January with my FSA card. So I won't have to worry about monthly payments to the orthodontist.

I've blogged a few times about our barn renovation project.

We did get a bid from our plumber - $1,400 to dig a 170 ft. trench from the house to the barn, run a water line from the house to the barn, and hook up a hydrant at the barn. The total projected cost is about $16,000.

The first time I blogged about this, a handful of you suggested we have our kids pick up some of the cost, as the renovation is really about keeping their 4-H and FFA projects going. Between the four kids, they have about $7,000 is savings. What we've decided to do is borrow some money from the kids, and pay them back over time at no interest. DW and I both think that's the right thing to do.

We have applied for a loan for the balance of the costs. I hope to hear back about loan approval this week. Here's a Cliff's Notes (do they even use those anymore?) version of our loan.

Some of you who have been here for a while may remember that we took out loans from two family members to renovate our house ago. Even though we have been paying on the loans faithfully each month, it's not a great situation owing money to family members. We would like to get one or both of them paid off as soon as possible. We owe my mother and father-in-law about 17K, and my aunt about 13K.

The loan we've applied for is up to 38K. The original idea was to use that money to pay off my in-laws, and use the balance to renovate the barn, and borrow only what was needed - about 33K - we applied for the loan before we had many bids in for the renovation. The loan would be amortized for either 5 or 6 years, depending on how much we actually borrowed. Paying off one of the loans would also free up some cash flow.

Now that we've had this idea about borrowing some of the money from the kids, it seems to me that we can pay off both sets of family members, and also renovate the barn.

Yes, that will cost us interest, and we will be extending the total loan out longer, but we will feel better having my in-laws and aunt all paid off.

So, for right now, that's the plan.

I paid off my truck with my October 1 payment. The final payment was due Jan. 1, so I'm three months early - a 36 mo. loan paid back in 33 mos.

I'm happy to have my truck paid off. I really am. But, I've discovered, or maybe re-discovered something about myself.

When the payment went through, I thought to myself about how it will be another almost 2 1/2 years before my wife's mini van is paid off. And that my truck will need to last AT LEAST that long before we can replace it. And what if it doesn't. What if it breaks down tomorrow. We're screwed.

OK, maybe all of those thoughts didn't come into my head that rapidly. But still, that's the basic flavor of what was running through my head. Instead of being completely happy about having my truck paid off, I was worrying about having this van paid off in time that we wouldn't have two $300+ payments at the same time.

I need to be worrying about something at all times. My grandma P.'s contribution to my psyche, I guess.

Truly, I am happy about having the truck paid off, and no, I'm not really all that worried about my truck taking a crap.

But, that thought was still there, and that says something about my approach to life.