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June 13th, 2019

June 13th, 2019 at 11:20 am

I am getting a composting tumbler this afternoon. For free. From my local Buy Nothing group. If you haven't heard of this, the Buy Nothing Project (https://buynothingproject.org/) are local groups where you can offer items that you don't want anymore. Prevents things ending up in landfills, and if someone else can use it, then that's great. I have given and received many things on my local group. Most recently, I gave away some DVDs, hangers, some plants, landscaping rocks, curtains. I have received a shredder, plants, a few knick knacks here and there. It's wonderful - I highly recommend it. It's frugal as well as saves time since you don't need to carry the stuff to the dump (like my rocks or plants), or to a donation center. The person you are giving it away to will come and pick up. I have a rubbish bin composter, but as things break down the material gets packed down and it's kind of a pain to aerate it. So, this large tumbler composter will be very very welcome. Online they sell for $90-$150.

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My garden is doing really well. I can't believe how much it has changed since last month. Compared to two months ago, it is unrecognizable. Isn't nature wonderful? I take a few seeds worth under a cent each, give them some soil, some water and sunlight, and they provide me with wonderful food that I would have paid a lot of money for at the store. I will share pictures of my harvest later this year.

I also set up an irrigation system on a timer, so this has been saving me a lot of time in the morning. I still need to water things in containers and one or two areas of my garden manually, but that is infinitely less time consuming than doing the whole garden each morning.

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I got two new clients in my SE job. Just when people start leaving for the summer and I get a gap on my schedule, I got a couple of new folks. I'm still not at full capacity, but I have more hours each week than I had anticipated having over the summer months.

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I went and got the massage that I got through Groupon. The massage therapist was really, really good. I ache in a good way today. Yesterday night and today, I have so much relief from pain that I didn't even know I had before I went in. He has a membership rate of $120 for two 60-min massages/month. The contract is a year long. My sister does something similar with Massage Envy and likes it. I think I am going to go for it. It's $120 more to budget than I had anticipated, but here are the reasons I want to sign up: (1) I can afford it, (2) If yesterday's feeling of relief was any indication, I clearly need it, (3) I am at a sedentary job all day and evening. With my job and the SE job, I work nearly 12-hour sedentary days with tense muscles, (4) Self-care is on my list of things to actively practice, and (5) What is all this money for really unless I spend it on myself? So, I think I am going to do it.

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I got a statement from m y mortgage company showing an escrow shortage. I called them and they said that their estimate of the property taxes was low, so this is the shortage. My property taxes don't actually change till October. But, they said my state does an "escrow analysis" in May each year and this reflects what they were short. I have no idea what all this means. Have any of you come across this? I was under the impression that my payment would only change each year when the property taxes change in October (in my state). I feel a bit helpless knowing next to nothing about mortgages and home purchases.

2 Responses to “June 13th, 2019”

  1. rob62521 Says:

    Gardening is pretty cool and to see something your planted from seeds come up.

    We get a massage once a month just to relieve our pain. It is worth every penny.

    We didn't have to do an escrow account when we bought our first house, but your taxes may have gone up to reflect the price you paid. Your house may have been undervalued on the original tax and the new purchase price may have increased it. I would call the mortgage company and ask to speak to someone to have them explain it in detail to make sure you understand why it went up.

  2. crazyliblady Says:

    I also have a mortgage and my mortgage company does an analysis of insurance and property taxes each year. Based on that analysis, the actual minimum payment can go up or down. I have in the past gotten notice of the analysis and they gave an option of paying an only slightly higher payment and paying the shortage upfront or paying a portion of the shortage each month. From the first time, I have always paid the shortage upfront. I save up for what I estimate the shortage could be based on previous years, but some years, I have not had to pay anything.

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