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Monday, March 10, 2025

Living Below Our Means

 Hello dear friends!  Firstly, I want to thank all of you that sent me get-well wishes.  I am getting better, but it is going a lot slower than I had hoped.  I am one of those sorts of people that thinks I can by  force of will to get better.  Nope. Ha! BTW, I went to the emergency room with an extreme pain in my side and thought perhaps it was my gallbladder or appendix.  I was concerned because my son had appendicitis and   his pain wasn't in the usual place. By the time the doctors figured it out, it started to turn to gangrene. So I thought I should get it checked out.  So off to the hospital I went.  After blood tests and a CT scan, they couldn't find anything wrong with me, and since they didn't have any diagnosis, they couldn't give me anything for the pain.  So I came home and while I was getting undressed I noticed a rash. Yep, shingles!  My mother told me I never had the chickenpox so I thought I was immune to them and came as quite a surprise.  The pain I was experiencing was nerve pain. If they only would have given me a physical exam they might have discovered it, but modern medicine is quick to use all their diagnostics instead of doing good old-fashioned doctoring.  A month later I'm still suffering from nerve pain, but it is lessening and I have my good days and my bad days.  I don't intend on letting the pain stop me from getting what I need and want to get done. Just have to work through it.   Anyhow....

Still, I managed to get some things done.  I managed to meet my goal of finishing the bottom half of a Beidermeier-style sampler I'm stitching.

The top should go much more quickly than the bottom half and I hope to finish it by the beginning of summer.  Just in time to hunt down a frame for it at a garage sale.  What sort of frame do you think would look good with it?

I also finished knitting this fischu.  

BTW, that is not a cobweb on the bottom left-hand corner, it's just some strands of my hair when I bent over to take the picture.  Some people are so critical!  My hair gets into everything and I'm sure I have knitted quite a few strands into my work over the years.    

Late Winter Jobs

February is a big month for canning here.  Foods that are root cellared must be canned before they spoil, so we canned potatoes and winter squashes.  We grew a lot of potatoes this past year.  I also canned all the organic grass-fed beef that I wrote about in an earlier post.  And we canned some dried beans.  Annieh asked if I would explain how to can, but really there isn't more than I can add to what is already written in a good canning book, such as Ball's Blue book, and by studying the manual that comes with your pressure canner.  For canning beans, I can them exactly (except I can mine at 10 pounds of pressure) as this lady does on YouTube.  She is very knowledgeable about canning and I would recommend her channel to anyone that wants to learn how to can. Always check the information you are given on any blog or channel with the Blue Book or a canning book written by an extension office.  There's a lot of very bad advice out there.  Unfortunately, a lot of people are attracted to slick looking blogs and channels, rather than those that are written by actual knowledgeable  and experienced people.  BTW, Ran and Jamie were a major help to me in canning.  They really could have done it themselves, but lack the confidence, I guess.  Ran even made up a batch of cranberry catsup (recipe in the Ball Blue Book) and all I needed to do was to fill the jars.   More things cleaned out of my freezer!  We are getting ready for the fishing season.

The snow is melting quickly and we have begun maple sugaring.  I wrote about how we do small-scale processing here.

Since I didn't feel much like leaving home this past month and the weather wasn't cooperating anyhow, Jamie spent his down-time organizing and inventorying our pantry.  Such a big job!  I can truly say that we are well-stocked.  Taking inventory is a major aid in keeping a budget.  Ran is one for always wanting to buy more, but when he saw our stock list, he was finally convinced we didn't need to buy any more.  We really only need to spend a few dollars a month on groceries.  We prefer to eat our own fruits and vegetables that we either root cellar, freeze, dehydrate or can, rather than eat fresh fruits and vegetables from the stores during the winter.  We keep a jar of seeds sprouting during the winter to get our green leafies, as well as our frozen spinach, broccoli and nettles. We start lettuce in cold frames and we collect dandelion greens and nettles as soon as they show up on the lawn.  Lettuce, kale and spinach can grow late into the fall, so really there's only a few months when we don't have "fresh" fruits and vegetables.  My ancestors have lived like this for centuries and they were a long-lived bunch, most living into their late 80s and 90s and quite a few  centenarians.  So I guess it works for us.  

Ran has also started our onion seeds and sweet potato slips.  It is too early to start any other seeds, as our last frost date is in late May. 

Live Well Below Your Means

Ran and I sat down and made a bare bones budget.  We really don't enjoy spending money just for the fun of it.  It is just the way we are.  Some people might look askance at some of the things we do, such as we only have the minimal Medicare (no cost to us that you are required to take when you turn 65) that only covers hospitalization and hospice.  We simply do not believe in running to the doctor for every little thing.  Last month I made a trip to the emergency room (why does every emergency happen on the weekend?) Anyway, I had a CT scan and blood work.  The bill ended up being less than a few months of the "extra" supplements.  We have a fund for those sorts of things.  And the hospital and labs always give us a discount because we pay promptly and they don't have to file all the paperwork.  If we don't use the funds, which we rarely do, the money is put into savings.  When the doctor told us we needed to start coming in twice a year, because of our age, we told him no.  Ditto for the dentist.  When I see the sackful of medications the average oldster is using, I really question modern medicine.  A long time ago, the doctor said my cholesterol was getting up into the danger zone and suggested I might need medication.  I went home and started exercising more and eating more vegan meals.  Never had a problem with cholesterol since. Good food from the good earth grown by ourselves benefits our bodies, much more than anything the doctor has ever prescribed.  Our philosophy is to eat what the Good Lord has provided for us.  

We don't spend money on trips, dining out, or expensive hobbies  I am content to sew, knit  and embroider from supplies I find at thrift stores and not to be boastful, I think I make as nice of things as people that spend hundreds of dollars on their hobbies.  As a matter of fact, I find it a fun challenge to use "found" supplies rather than go out and buy precisely what the project calls for.  We are content to travel only within our county and the surrounding ones.  Our entertainment is going to church rummage and bake sales and an occasional church supper.  In the summer we like to stop at garage sales on our monthly trip to do our grocery shopping.  If an estate sale is nearby, we like to go just to poke about, but we do not feel the need to buy anything. We are content to garden and sit outside and listen to the birds.  We buy DVDs from the thrift store and have our favorite series that we watch sometimes for entertainment. There are some interesting channels on YouTube also.  No need for cable TV. 

We save on heating by using our wood stove.  We do have a natural gas fired boiler for our hot water and it supplements our wood heat also.  The highest bill we have ever had is $75, but in the warmer months it usually runs us $25.  Every three years we buy a truckload of wood which runs around $1000.  Our electric bill averages about $65 a month.  We do not have a lot of electronics.  We don't keep our house lit up like a Christmas tree at night.  

Our water bill is $100 a month, but includes sewer and trash pick-up. Our property taxes are low because our home is small and not grand.  It's about $1200 a year, but we just got a tax assessment and it is going up 20% this year.  And then there's house insurance and car insurance (Michigan has the highest car insurance rates in the country) and license plates and all those other little taxes that they tax us to death for, (sigh), no one is ever truly free are they?  Groceries and medical funds, etc. Anyway this is a long-winded way of saying that we figured that our bare-bones budget adds up to $950 a month that we could live on.  And that is what we intend to live on this year.  We intend to live well, well beneath our means.  If all this seems like misery to you, I can assure you that we are truly content We live such a blessed life!

11 And that ye study to be quiet, and to do your own business, and to work with your own hands, as we commanded you;12 That ye may walk honestly toward them that are without, and that ye may have lack of nothing.

1Thessalonians 4: 11-12

I'm sharing this with you to be an encouragement.  Don't let others tell you how to run your life.  If you like spending money and can afford it, do it.  If you enjoy extreme thriftiness ( someone once commented that they thought that term was an insult) enjoy it.  Why do people feel the need to follow the crowd?  Wouldn't it be a boring world if everyone thought the same?  BTW, sorry about the font!  Professional blogger, I am not.  If these sorts of things bother you, please feel free to go elsewhere.  Well, I hope this long post makes up for my absences in February.   So as we bid adieu  to winter and March toward spring, I hope your days are pleasant and filled with contentment and joy.  It really was a beautiful winter.

Hope to see you soon!

Hugs

Jane

20 comments:

  1. Hi Jane! So sorry you have been ill! Shingles! I think the ER visit should be free since they didn't diagnose you!! I find the same thing, they never know what I have and I wasted my time and money. Beautiful sampler and knitting...I bet that feels good to wear, cozy and warm. Every state is different; our Medicare costs $177/month and has minimal coverage. But you then can choose an Advantage plan which is free (or can cost more if you want all the bells and whistles). So it doesn't make sense for anyone here to not get the extra plan with it.

    you are busy canning! You are so smart and hard-working. I should write down our bare essential bills. All our property taxes combined are low, not as low as yours but around $2200/year.

    I don't like to spend money like when I was young. I figure I can't bring it with me in the next life, so I prefer weeding out stuff to the local thrift store. hugs, andrea

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    1. Hi Andrea! The doctor didn't even give a physical exam. If he did, he probably would have discovered the rash. My mother always told me I never had chickenpox, so it was unexpected.

      Your house is much grander than ours, so I'd say that's a pretty good rate for your property tax. Our problem is we are getting a lot of those bohemian types moving into the village and they will vote yes on any millage. Painting turtles on the crosswalks? Sure! Build an atrium onto the library that no one uses? Why not! Artsy people with lots of money and no sense!

      Our supplemental Medicare is $400 a month for the two of us.

      I think as we get older our wants become less and we care less about the latest styles and such. Maybe because we've already "been there, seen that". I've been weeding out a lot of stuff too. What I want to know is if it will ever come to an end? I've been getting rid of things for several years now and not bringing much into the house, yet there always seems to be more to give away.

      Hugs
      Jane

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    2. Oh, I should have said $177/mo for one person. Don't you wish the artsy type would make their decisions using their own money and not everyone's tax money! hugs, andrea

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    3. Our little village used to be a lot of salt of the earth type people, but ever since our farmer's market has become a huge draw a lot of goofballs have been moving into the area. They do things like tear down historical barns and pile the boards into a stack and call it "art". One even sculpted a golden calf and then smugly denied it was meant to offend the many Christians in the area. Sometimes I wish the depression would hit, just so these people could crawl back into their hidey holes in the city.

      Hugs
      Jane

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    4. Oh my! Sounds Biblical...the golden calf. We were visiting our youngest daughter and her husband in Virginia Beach, and on their boardwalk is a giant statue of Neptune to protect the beach. I don't think they will get any protection with that, and maybe the wrath of God if nothing else! hugs, andrea

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    5. Yeah, I don't think Neptune is going to do you much good Andrea. At least the locals all had a fit about the golden calf and didn't buy the sculptor's story that it was only "art" and we were too unsophisticated to understand.

      Hugs
      Jane

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  2. Your pictures are lovely. Your stitching project is so sweet and pretty! I love all the frugal wisdom you shared here. It is so helpful! It sounds like a practical and peaceful way of life. I hope you feel much better soon! God bless!

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    1. It is, Mrs. White. Hope you are feeling better.

      Hugs
      Jane

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  3. Shingles, Hugh had that, and he also went to our local hospital, but not the ED department, what is called accident and medical. Waited ages to even get to the triage nurse, who DID NOT examine his very painful shoulder. After another long wait, he finally saw a Dr, who diagnosed it straight away,Called for a second opinion, then prescribed tablets that he can never take, horrific side effect.By this time, I had angina, was whisked off to the ED in a wheelchair, We both recovered. Living within our means, I am careful with buying, but heed my Dad's idea, if it is on special and you will use it within a month or so, get it now. I don't do bottling or canning, but when we have excess veges, freeze tham,. And our local OP shop always has goodies that are necessities. white dinner plates like new for 50c each. Rest lots with the shingles rash, even after it has gone. And with your warmer weather coming, soo that heap of snow will vanish. Fond greetings from way down in New Zealand.

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    1. Hello Jean! Well, if misery loves company, at least you aren't alone in crummy health care. I think doctors depend on their high-tech diagnostics entirely too much. Overall, I think it is best to avoid them as much as we can.

      Your dad was wise. When have prices ever gone down? Is your grandson still in Canada? It's been quite a winter this year.

      Hugs
      Jane

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  4. I love your sampler and fichu - such beautiful work! Sorry about your shingles - I guess they expected you to do your own physical exam! Crazy.
    So glad to see a new post from you!
    Jo

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    1. Thanks Jo! Yeah, I guess the days of the old country doctor are long gone. I'm hearing that pretty soon AI will just diagnose us. When I go to the doctor he's so busy on the computer, I think that time has already come.

      Hugs
      Jane

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  5. Your little house sounds like a delight, Rose. Vintage houses are so much cuter than newly built. Our first home was built in the 30s.

    I'd plant some things too. You just have got to go on with lives as normally as you can even if everything is topsy-turvy. Hope you find your land quickly.

    People have asked why I'm so parsimonious and it's hard to explain to others that do not live debt-free, how you have to look to the future. One day we will have to buy a new car and eventually our roof will have to be redone. And not to sound too morbid, one day we will have funeral costs. There's always something! I'd much rather forego some little pleasures that will quickly become distant memories for not having to stress about finances when something comes up.

    Hugs
    Jane

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  6. Glad you are feeling better - the amount of stuff you accomplished when ill, how much you must accomplish when feeling healthy !!!! You have a truly wonderful site, so much useful information. I assume you wouldn't mind if I make a file - copying and pasting bits- just for my own private use. My memory for detail is not what it as in my younger days. We too live and have lived debt free for many years. It helps that I don't like shopping.

    If I want to ask a question on a previous (say 2012) post - should I ask it here or on the older post?

    Thanks
    annieh

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    1. Feel free to copy and share this blog however you please, Annieh. If you have a question on an older post ask it there and make sure to check "notify me" , and I will answer on that post.
      Hugs
      Jane

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  7. I appreciate your bold statements. It is good to have choices on how we prefer to live and we should not let someone else make us feel any differently for doing so.
    The older my husband and I become the more frugality just makes sense. Regardless if you have the money or not does not mean you should necessarily spend it. It is wise to be content. Lately I have had a few friends tell me about the massages they get and the prices. I can't even imagine...We have satellite internet but no TV. We are presently watching the Little House on the Prairie DVDs on our old DVD player. I did see that these players are still for sell at very reasonable prices now. Our house is old and large, but we love it. It gives us opportunities to host people(family and friends) for gatherings and overnight. stays. That is important to us. I had shingles right after I caught covid back in 2021. I have my thoughts on that...don't get me started. It was a mild case thankfully. My doctor did prescribe low dose medication for a few days so I did not have the extended pain.
    Oh, BTW my doctor was fired from his job at the hospital because of his view on what was happening with covid treatments and the vaccine. He is still our doctor and does not take Medicare.
    I still have stitch work I have not framed yet, so I guess I am not the one to ask for suggestions!😊 Blessings!

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  8. I missed this installment when it was posted--my husband had an out-patient surgery that morning. I've known several people to have shingles, apparently it can manifest in a variety of ways? Recovering from an illness or medical procedure is definitely a 'one day at a time' process--and it is difficult to accept limitations of activity.
    Frugality becomes a way of life, sometimes a real necessity. Our family finds it an adventure to repurpose all manner of things, almost always buying 2nd hand what was pricey when originally sold.
    I think food shopping will increasingly be a challenge for many people. We browse the local Amish and Mennonite discount/salvage stores once or twice per month. Unfortunately much of what is on offer is ready made or packaged stuff that isn't healthy. We are still relying heavily on produce put up from our garden or what our daughter and S-I-L buy in bulk to share with us at the local produce auctions. There's always that bit of a slump between late winter and when the first spring crops are available.

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    1. Hope your husband is doing well, Sharon!
      Our scratch and dent is our source for coffee. Can't beat their prices. Otherwise we'd have to ration it, which probably would be good for us.
      I remember reading about some pioneers weeping when the first spring greens arrived. Life was hard then, for sure. I could buy produce from the grocery store but have become quite leery of what they are putting in and on the produce these days. I guess I've become quite jaded by everything commercial these days!

      Hugs
      Jane

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  9. Hello Jane,
    Your sampler and knitting are quite lovely.
    I'm so sorry that you've been in pain and I hope you are feeling much better. I rarely go to doctors, they've rarely been of much help. A few years ago I had some issues, went to the Dr, and about $1,500 later was told ..."well we just don't know" Gee Whiz that was extremely helpful!!! I'll just figure things out at home and when it's time to go to my true home I'll go.
    We have planted garlic, onions, tomatoes, and peppers. I've also planted wildflowers all over the place because is there anything better than running into a patch of wildflowers? I think not. I haven't canned anything lately but our girls have gone all out laying eggs so I've made a lot of lemon curd and also baked some items and tucked them in the freezer.
    Great post and now I'm moving on to the next one.
    Ginger

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    1. Hi Ginger! Your philosophy on doctors pretty much matches mine. I think you get about the same results if you just do some research on-line. And I'm all for using natural cures.

      I tried planting a mini meadow of wildflowers a few years ago. Unfortunately, I didn't prepare the area very well and grew mostly weeds and grass. But there were a few pretty wildflowers that I managed to salvage. I truly hope that you have a successful garden! And it's wonderful that your hens are laying.

      Hugs
      Jane

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