Pretzels and Oatmeal

In January, I decided I was DONE carrying around the extra 20lbs I had accumulated in the past 4 years. When I came back from our family cruise to Mexico, I started hitting the gym more and watching what I ate using the Weight Watchers point method which had been successful for me in the past. It went well and I lost a few pounds. Then my employer announced they were going to start a "Biggest Loser" challenge and my SIL was going to participate with her work also and we made a side bet for the loser to buy the winner a pedicure. We divided into teams at work at weighed in on Feb 28th. I weighed in at 158.5 and I am 5'4". My goal weigh was/is 135. I really don't know if that's doable, since I seem to be hovering right around 143, but I am still trying.

For 10 weeks, I went to the gym 6 days a week, ate well and changed my lifestyle habits. I cut out coffee completely (because of my cream usage), increased my water, cut back on drinking and did all kinds of physical activity at the gym (weights, cardio, yoga, pilates).

On May 8, I weighed in at 141.7 and actually won the biggest loser competition at my work (top female) because I had lost 11% of my body weight. I was shocked that I had one, but very pleased because of all my hard work. I won a year's paid membership at the gym which was really cool because that of course saves me money every month.

I've always liked oatmeal, but became very discouraged when I found out those little packets were 3 weight watchers points each. Well, 1 never filled me up and I hated to blow 6 points every morning so I bought some instant oatmeal in the bulk, a bag of frozen blueberries and a bottle of maple syrup. For about 4 points, I now have every day a cup of 5 grain organic oatmeal, blueberries and a bit of maple syrup. It is delicious, filling and by far my favorite meal. I've had it every day at work for 6 months and look forward to it every day.

My other favorite snack is pretzels. Frequently at night, after dinner I want something. I'm not really a sweets or chips person, but I do like a little something. Needless to say, whatever I would find (granola bar, ice cream, crackers, etc) was never a very good choice or satisfying. I now keep pretzels and whatever I can fit in 1 hand is my night time snack (if needed). They are crunchy, salty and only about 118 calories (approximately 2 points). So, now I buy the pillowcase sized sack of pretzels and forget those expense 100 Calorie snacks that are good, but tiny and not very satisfying.

Anyway, I just wanted to share my journey. I'm still eating well, weighing in weekly (and documenting my weight on my calendar) and going to the gym. My goal is still 135, but I'm happy to stay where I am (in my size 8 jeans!!)

Free Money

With gas and grocery prices on the rise, there has been more and more info on the web and in the news about being frugal and taking advantage of cost savings wherever possible. I've always been frugal, my parents and grandparents taught me well. I thought I would share some of the great ways I get free money or save money for my family.

401k Contributions
This has been hammered into the ground everywhere, but (especially younger) people still aren't all doing it. If your company offers ANY kind of matching on a 401k/403b plan, you MUST contribute the amount to get the matching contribution. This is FREE money. It doesn't get any better than this!

Gas
I've been riding the bus for almost a year now, but this may not be available where you are or for your circumstances. If public transportation isn't an option for you, look into ride share, park and ride or even walking/biking to work. If you just can't do it for work, look at other trips you make on your spare time and try and take the vehicle in your house with the best gas mileage, take your bike or combine trips. Always, run your errands in order around town so you are not backtracking. If you have a doctor in a certain part of town and there happens to be a store there, plan to go there when you have a doctor appointment. My friend who grooms my dogs lives near Costco, so when I go visit her, I hit Costco. My son's doctor is in Meridian so when he goes to the doctor, I go to Winco. Planning ahead is key, but the pay off is great financially and you might just save yourself some time also.

Credit Card Rewards
Now, I only recommend this if you are financially responsible. It has taken me a lot of years to get to the point where I can charge my month's worth of expenses and pay it off each month. When I was younger, I had the mindset that whatever I charged was somewhat free. The bill would come at the end of the month and I would always be surprised. These days, I use mvelopes and file my financial transactions daily, so there are no surprises. I know and plan how much my credit card bill is each month. Dave and I currently have 4 credit cards that we use. The Chase visa is for main expenditures and we get 1% cash back on any and all purchases. The American Express card is a one savings account and we use that at Costco since they do not accept MC/Visa. We get the 1% reward put into a savings account. Our Discover card is just for gas and automotive expenses and for those types of transactions we earn 5%. These rewards are able to be cashed in for credit on the account, so the rewards go back into the same debit. This comes in handy now when gas prices on are the rise. I have a monthly calendar item for each card to check the balances and redeem the rewards when it reaches a certain level. There is no benefit to earning the rewards and not using them! I was actually able to buy a $399 ipod touch earlier this year from credit card points. We even run medical expenses through the credit cards to get the rewards.

Flexy/Health Savings Account
If your employer offers a flexible spending account for medical expenses you should also participate. Figure out EVERY possible out of pocket medical expense you might have in a given year and they take that amount out over your paychecks throughout the year. You do not pay income tax on this money. This year, my 13 year old was going to get braces - a cost of $4700 if I paid in full (a 5% discount). I was planning on using the rewards Visa (to earn 1% cash back) and then getting that money from my flexy. Since he was in the hospital for 10 days, we have opted to use the $5k that I elected for 2008 medical expenses for that and are submitting all the other bills in the family to reach that amount. Next year we will plain again for the braces and I'll do the same thing. So, what might have cost $4935, actually costs $3159 if you consider the cash rewards, paying in full and the tax savings. The bottom line is that any money you contribute to the flexy, you get back when you submit a qualifying receipt and you didn't pay income taxes and it may possibly drop your income to a lower tax bracket. Most employers offer this and a daycare savings plan (which works the same way for child/elderly care expenses) to employees and often times I think the benefit isn't used because people don't understand it or see it's benefit. It really is a huge money saver.

Smarter Shopping & Freezing
Shop sales, shop in bulk, shop less often and plan your meals. I don't go to the closest grocery store to my house even though it is convenient because it is expensive. Instead, when I am across town, I choose the cheapest store in town to shop. Yes, it's a bit of a drive (5 miles) and I have to bag my own groceries but if I can combine it with another trip, the only thing I'm out is the hassle of bagging my own stuff, which I don't mind because I think I do a better job than most of them anyway. If you have the storage space, buy items in larger quantities (only if it's cheaper, bigger isn't always better!) and put into smaller containers/packages and freeze. I freeze everything. I have a 21 cu freezer and keep it full of food and frozen milk jugs so it runs more efficiently. If the power ever goes out, it also has a much longer life with the extra ice inside.

Eating/Drinking Out
I am always amazed at how expensive it is to eat out. I can feed my family of 4 (3 boys 13, 17 & Dad) and myself for around $10/meal. If we eat out, it is usually $50-$100. Even little things like not getting a soda when you're out or skipping that morning coffee can add up to huge savings at the end of the month. Recently my SIL and I made 46 meals (23 each). We figured the cost to be $5.72 for each meal. This is for the main dish only, but for each of us to feed our families for 4 for under $6 I think is a steal. And it's good food. We are using the book Fix, Freeze & Feast that I heard about in the Manic Mommies podcast. I also do things on my own like make batches of rice for the freezer on a Saturday. I also make lasagnas in big batches and brown ground beef in 6 lb batches to freeze for later use (see pic). Even making your grocery list based on the meals you plan to cook for your family will save you money because you won't be running to the store for little items the rest of the month.

Recycle/Sell
I donate all unwanted items to a local charity a get a tax write off for doing so. Once a year we have a garage sale and sell household items. I keep books, cd's and movies that we no longer want listed on half.com. Periodically, I sell things on ebay. Most of us have too much stuff and others would benefit from having some of our "extra". They get a great deal and you get a little money back on your investment.

There's lots of things people can do to save money. Obviously the biggest financial lesson is if you don't have enough money you have to either spend less or make more. Sometimes you can't make more and sometimes you can't spend less, but you can almost always do SOMETHING to save somewhere.

Gadgets I Can't Live Without

Inspired by Philoking's post on Gadgets He Can't Live Without, here are my favorite gadgets:

Blackberry Pearl 8100 - Since this delivers my work email and it is my telephone, I never leave home without the Blackberry. Purchased when it first came out, the Pearl has great typing using SureType, email, web access, my calendar and contacts. With EDGE, I can browse the internet but it's not very speedy. The 8120 is out, but my plan isn't ready for an upgrade yet. I have added a 1 gig MicroSD card for picture and MP3 storage but since I mostly listen to podcasts on my Ipods (see below), I actually don't use it for a music player. The camera is only 1 megapixel, so I only use it in a picture taking emergency. It is a great device and I can hardly wait to get the 8120 which has wi-fi for making phone calls when out of service areas (my parents live where there is no T-Mobile), the SD card is on the side and the camera has been upgraded to a 2 megapixel model.

Ipod - I use the term loosely, as I have 5 ipods. I have an old 512 shuffle that is supposedly Dave's but I manage it for him. When I recently got a newer 1 gig shuffle, I said that was his, but I still use that one also. The 512 is on the treadmill for works and the 1 gig shuffle I use at night for listening to hypnosis audio books. I mostly use the 32 gig Ipod Touch as it does video and audio. It also has wi-fi which is handy except there doesn't seem to be wi-fi when I'm not at home or work and in both of those places, I typically don't need it because I have PC's. I also have a 4 gig Nano that I use when I don't need video or want something small and lightweight that I don't have to worry about breaking if I'm biking or working out. It also has GREAT battery life which the Ipod touch does NOT. I have a 5G video that I used to carry with me everywhere but the Ipod Touch has kind of replaced it because of the bigger video screen. So the 5G is now my "car" ipod since I have the Denison Ice ipod integration in my Honda Accord. I basically don't go anywhere without at least 1 Ipod and I'm almost always wearing or listening to one.

Laptop - If I were traveling, I would definitely take my laptop though now that I have the Ipod touch which does Google Reader, Twitter, Gmail and Facebook I may not need it. Though, if I needed to access my home or work PC the only way to do it would be through my laptop or using someone else's PC. I'm sure I will continue to travel with it. I would also need it to offload pictures from my camera SD card (though I have 2 and have never filled them both except when we got married). I currently have a 3 year old HP 15" laptop that I have upgraded the RAM and hard drive. We also use the HP laptop for our podcast and it works great when traveling.

Camera - My blackberry has a built it camera, but like I mentioned before it is only a 1 megapixel so it's not very good for pictures. I am a picture taking fool and also the dedicated family scrapbooker so I am always taking pictures at gatherings. I currently have an HP Photosmart R927 which I like a lot. It does take video and I wish it were better quality, but it has everything I need in a cheap point and shoot.

Car - I have a 2005 Honda Accord EX with V6, leather interior, sunroof, spoiler and bra that I couldn't get far without. I do ride the bus to and from work, but the Honda is a GREAT car that gets about 25 mpg in the city and up to 35ish on long trips. I bought it brand new and am about a week away from making the last payment!!

I also occasionally use my son's PSP and have a ton of other gadgets, but these are my favs!!

Geocaching

I recently found a former co-worker on FaceBook which led me to her blog which I've been reading and really enjoying. THAT'S what made me think I should blog more. I think in my last post I thought I should blog more, but didn't know why. Yeah, so that's why.

A few years ago, I remember my co-worker Dan talking about geocaching and how he had his GPS and would go looking for things out in the boonies. I thought it sounded strange and didn't really give it much thought. Two summers ago when Aaron and I went to CA and visited my Dad, we somehow traded my radar detector for his new Mustang for a Garmix etrex navigator. At the time, I thought I could use it for directions but Aaron and I plugged in into the car on the way home, thought it was cool and then I never used it again.

Well, last month Aaron was grounded and looking for something to do and had heard about geocaching on the internet and decided he wanted to do it. I agreed and said I would drive him around but he needed to do all the research and find out where they were and give me directions. So we've been out a few times around Boise and it's a lot of fun. We found interesting items in the little cans and containers and left some things we had and even met a lady who was out on Easter that lived in Oregon. I think Aaron keeps in touch with her online at the geocache site.

What you do is go to the website and find cache's to hunt for that are near you. We print off the GPS coordinates, the description on the cache (including any hints!) and then driving directions that get us close. We put all the ones that we want to find in order and head out. We park the car, then grab the Garmin and walk around until we get close. The GPS that we have gets us within 10-30 feet of the item and then it's just figuring out the clever hiding place that the person used. We even went out once on our bikes and down to the greenbelt. Bike caching! LOL
Anyway, it's a lot of fun and I hope to do it when I travel and hope that Aaron's interest in it stays around!

Places I'd Like to Visit

I've been thinking I'd like to blog more. I'm not sure why, but since I spend most of my free time reading other people's blogs and other various feeds in my Google Reader, maybe I have something interesting to share. I do have a great interest in a bunch of different areas and a lot of people think I know some stuff, so why not blog more?

So I was watching something on TV last night and they were talking about a destination and I was like "Wow, I want to go there!" and then I realized there a few places I want to visit, so maybe I should write them down. So why not blog them?

So, here's my list. What's your list?

Hawaii - I've always wanted to go to Hawaii, I don't even know why. I think there is some dream of beaches and beauty and I know I want to visit somewhere where there is clear water, so maybe that is the attraction. My hope is that if I visit some place with beautiful clear waters, my fear of swimming in deep or open water will subside. I would also like to try snorkeling, again, I don't like water or being under water, but something about clear water interests me because I am ok in swimming pools (but there's nothing to look at!) Years ago I had a saltwater aquarium and I just think it would be so cool to see these fish in the wild. I don't think they live in Hawaii, so that may need to be a different destination.

Grand Canyon - This isn't even that far from where I live (Boise, Idaho) and since I grew up in CA, I can't believe I've never been, but I haven't. I saw that glass walkway thing on the internet when it was finished and don't think I would like that because I am afraid of heights, but maybe a hike down it or a flight over it would be fun. I think Hoover dam is near there, I'd like to see that too as I've only seen in on TV. I also think Aaron should visit the Grand Canyon.

New York - I'd love to someday visit New York, but I know I'd be afraid. Recently a girl at work visited there with some of her girlfriends and they did a lot of fun stuff. My Uncle and his family also visited there and I just love looking at their pictures and the fun they had. A lot of TV shows I watch are filmed there so maybe that is part of my fascination.

Palm Springs - This is what caused me to write this post, I just remembered. I called my grandmother yesterday and she was telling me how she visited there on the way to Tucson, AZ for spring break (yes, my grandmother had a better spring break than I). Dave's sister and husband have mentioned it as a nice place to visit also. If it's very hot, I'd have to go in late Spring or early Fall so I didn't roast. Not sure what I'd do there, I guess just lay out in the sun.

I guess that's about it. Kind of a boring list.

Riding The Bus

Growing up on 10 acres, the only way to get anywhere was to have a car. When I moved to the Bay Area, I had a car and never rode public transportation. I never thought I needed to and certainly didn't *want* to. I've lived in Idaho since 1993 and again, have always had a car. When I first moved here, I did carpool for a while because my husband worked at a job near mine and at the time, they were widening I-84 from 2 to 3 lanes so traffic was bad. After that, I went back to commuting alone. I've always lived in Meridian or West Boise and have worked downtown for 13 of the 15 years I've been here, so my commute has usually been between 10-15 miles each way. Not far by comparison in most towns, but far enough that the cost and wear and tear on the vehicle is noticeable.

In the summer of 2007, I started noticing a bunch of people standing on the corner outside my subdivision and then I would frequently get behind the bus going down Chinden. I then noticed that when the bus got here, it actually stopped the building where I worked and I had to park 2 blocks away. I knew my employer offered some sort of bus pass, but didn't know anything about it. So, I checked with them and found that if I rode the bus and gave up my monthly parking pass, I would not only save money but be able to park in the fancy garage below the building (meaning never step foot outside when arriving at work or leaving) 10 times per month!! This is quite the deal. I called Valley Ride and found out what time the bus stopped outside my subdivision and have been riding every day since last July. I do drive about once a month, usually if I have an errand to run that is near work, but most things I need to come home anyway (usually to get Aaron) so I just ride the bus and then grab the car and go.

The first day I rode, a young man fell asleep on my shoulder as we rode. This was a little disconcerting, but as a Mom, I let him sleep until his friend laughed and woke up him. My husband was appalled and had been questioning why I was riding the bus anyway.

When I visited CA in October, I told my family I was riding the bus and they all looked at me like I was crazy. I've found this to be common. People wonder why someone with a perfectly good car would ride the bus. I'll tell you why. I save money yes, but more importantly, I don't have to worry about a thing driving to work. In fact, I get to read, visit with someone, listen to my ipod or just stare off into space. I don't get upset about traffic, worried about icy roads or pissed off at other drivers.

Since I've become more comfortable with public transportation, we actually rode the bus in San Diego to go shopping after our cruise and even rode it up in McCall so we didn't have to find a parking place in town. Also, when I visit the Bay Area now, I am much more likely to ride BART or the bus system there because I have an idea how it works.

I love riding the bus and recommend anyone who has it available give it a try!! Most people that ride the bus are very nice and helpful and welcome new riders and will help you out. All the drivers are a kick, and I've enjoyed getting to know them as well.

McCall Winter Carnival

Dave, Aaron and I (plus 2 Havanese) headed to McCall for the 2nd weekend of the annual Winter Carnival in McCall, Idaho. Full pictures here. Since Dave and I met, we have spent president's day weekend in McCall with all the kids. We used to ski but as the kids grew and their interest waned, we stopped going. Last year, Dave and I (plus doggies) drove up for the day on the actual carnival weekend. We stopped for breakfast in Cascade which took 2 hours and caused us to get behind a huge accident that had happened right in town as the parade was starting. Needless to say, we missed the parade, but walked around town with the girls in their stroller and had a nice day anyway. This year we decided to stay over, and to go the next weekend so there would be less people. Well, I didn't realize that they had moved the harmonica festival to McCall and on that weekend, so it was still crowded but not nearly as bad as it was the weekend before.

It was the first trip for the new Acura MDX that Dave bought last Fall. Aaron was excited and of course immediately hooked up the PS2 and wireless headphones and started gaming. I had my ipod and was listening to podcasts as I read RSS feeds from offline google reader. Poor Dave was left to listen to XM all alone on the wonderful 10 speaker dolby surround system.

The drive up was a bit slow since the roads were snow covered, but not bad at all. We all got off work and school early and headed out about 2pm. We arrived in McCall after about 4:30p and stayed at the AmericInn which was excellent. They had an indoor hot tub and pool and a great breakfast each morning. They of course allowed dogs and I always enjoy staying with other dog people as they are usually friendly.

Friday night, I had made reservations for The Mill which is Dave and Aaron's favorite place to get prime rib. Dave had the "enormous" size which was something like 44 oz and Aaron had the "medium" which was still a huge 36 oz. They both did really well and managed to eat almost all of it. I was stuffed with my measly 12 oz New York steak.

Saturday it was snowing, but fairly nice out as we headed into town to look at the sculptures and go to a little Craft festival. We even rode the bus into town so we could leave the MDX safe in the hotel parking lot. We took pictures of most of the sculptures and even found Aaron a new pair of snow pants in the local thrift store since we found out after we arrived that he didn't have his anymore. He was also fascinated by the huge icicles hanging around various buildings. He had some fun with those. We came back to the hotel in the afternoon and Aaron and I headed to the pool. Aaron met some kids his age and had a great time playing pool games. I sat with my laptop and ipod and was of course happy to have time to do that. The girls were really well behaved and did well in the crates in the hotel while we were out and of course enjoyed the longs walks in the deep snow. There was a storage facility near the hotel that I walked them around and I let them off leash a few times and they ran crazy.

Saturday night we headed out to Mexican. We decided to walk since it was close by and it was a nice evening. It was snowing pretty heavily by dark and on the way back from dinner, we saw the fireworks that launched over the lake. I had never seen fireworks in the snow before, it was pretty cool.

Sunday we had breakfast and then headed home as it was Superbowl Sunday and Dave wanted to see the game. We unpacked and had a nice relaxing, quiet, Superbowl in our jammies and ordered chinese food for dinner.