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October 27th, 2016 at 10:42 am

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.


October 26th, 2016 at 12:13 pm

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.

Our Amish Contractor

March 30th, 2016 at 07:29 am

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.

Hair Cuts

March 28th, 2016 at 08:03 am

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.

Tidying Up

March 17th, 2016 at 08:10 am

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.

Renovation, Bracket, and Braces

March 16th, 2016 at 06:53 am

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.

I'm Back.

March 14th, 2016 at 09:28 am


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.

Our Barn

February 29th, 2016 at 09:05 am

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.

My new blog

February 5th, 2016 at 11:33 am

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.

Taxes filed

February 1st, 2016 at 11:09 am

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.

End of week, end of month stuff

January 29th, 2016 at 10:31 am

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.


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.


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.

Oh, what to blog about...

January 28th, 2016 at 10:57 am

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.