Spondulicks Forever!

I saw a Seattle Councilmember come into the closing-fast Greenwood Market. We were lured in by the Everything Up to 40% off signs but wow, now that I have my price book I can see how marked up the merchandise was even with the discounts! Finds: some Saint Andre super-butterfat Brie to use for a posh pasta carbonara with walnuts, kombucha which actually WAS a deal with discount, butter. We were careful about our purchases until we left the dairy and produce, sigh.

As we left, the beginning notes of Talk Talk's "It's My Life" caught me. "You guys go on ahead, I'll catch up," I said. The lads walked as far as the main ingress/egress where the speakers are when my son stopped and said "No I'm staying until the song is over." We took turns at the water fountain until the song ended, good times. I wonder if the Councilmember likes Talk Talk.

Oh yeah, as of today I finally have enough $$ to feel comfortable buying a Prius should our car die tomorrow.

I repent at leisure for my impatience in mailing the bills off. This is a personal problem: I see the bills with payment in their sealed envelopes waiting by the front door and fret about late-fee charges, also can't estimate to the day when payments will be received, so off they go.

I've mentioned in earlier posts about the "tsunami" of bills at the end of this month--dashed difficult to time these before Friday's payday. The mortgage cheque, insurance cheque, phone cheque have all been received; the EFT for the electricity bill went through, I made one payment to the HELOC for a rounded balance.

Now my husband has a day off and we're down to our last $200 unless we want to risk a third withdrawal from our Money Market Account, or "live off the credit card" for unscheduled expenses and you just know the US gummint's gonna suspect us of funnelling money out to support Al Qaeda if we have too many withdrawals (thank Maud I am not responsible for Congress, and that it's highly unlikely we'll make four additional withdrawals from the account before January 31 when we get money on Friday).

For my first outing since snowflakes started on Tuesday, I went to Starbucks with my spouse yesterday to go get coffees and then to the post office to mail some bill payments. I wore my mink hat and coat: nobody blinked. We all probably felt like we had been teleported to Juneau. I don't like the money tsunami flooding out of our chequing account at January's end, yet it's a relief to know that some money still remains, and not all of the payments due are monthly or even bimonthly. I only wish more of the payments could be scheduled for after January 27. It'll be a flood going out and a flood coming in.

With the rise of gold and silver prices, I am now past $15000 for our car fund. This is a milestone. I am caught up with my HELOC, next week we get pay stuff.

Wondering if I should buy some Walgreen Co stock. Standard & Poor's Reports plus Value Line say yes. My list of replacement items suggests otherwise. I could buy two shares of WAG, and have some $ left over for DonorsChoose.org. On the forums someone said he'd bought TC and FCX, and the fundamentals and buy prices on those appeal to me: I like 17%+ Return on Equity, some dividends, low price/sales ratios, and natural resources. Now that you know my strategy you also know how not to invest.

Our refinanced mortgage has seen us leapfrog past other recent refi'ers I am tracking. We haven't even made our six months payment yet and already we have paid 6.27% of the mortgage, and by our first year we will have paid over 10%. It took us eight years to get to 33% payoff with our prior mortgage, and now if we don't sell the house we'll be at 33% before 2015 comes around.

Lots of people don't. School is closed, so lots of writing practice scheduled for boy. Woke up to ice pellets striking the windows. Nice feeling to be able to turn on the lights, though I did bring the battery-powered lantern into the bedroom last night.

Regretting not making Costco trip earlier in the month: ran out of flour, brown sugar, best-tasting coffee, apple juice, tomato sauce, diced tomatoes, stewed tomatoes. What good is a price book when you are limited to carrying your groceries on foot from two local supermarkets?

Update: We are now without a landline. It wasn't good value to get repeat phone calls from spoofed numbers saying "this is your final notice" for reducing credit card rates. Also somehow landline voice messaging costs $13+/month and that's more than half of what I pay for Voicemail, unlimited texts and internet with Virgin Mobile.

YNAB four weeks later: $437.27 increase in assets, $493.82 decrease in liabilities. Net worth is $6818.54 (excludes stocks, retirement funds, personal property, precious metals and house equity).

coffee without honey and cream = 41 cents/cup
saving at least a dollar by not visiting a coffee shop.
turkish coffee = 53 cents/cup
saving $1.22 by not visiting a coffee shop

Assets up $380.75, liabilities down $445.28.
Does not include gold and silver, bonds, CDs, retirement, or illiquid assets.

Inspired by monkeymama's foreclosure post, I checked my street: one block up, our block, one block down. We didn't have many foreclosures--just one Notice of Trustee Sale from 2003 on our block, and a dead woman's house that didn't sell fast one block over, but I think that's because people with 0% down found new construction more alluring than these "Welcome Home GIs" mid-century houses. That's not to say our neighborhood didn't suffer, it just didn't zoom up in price. Summer 2008 saw the most inflated values, I believe, as people were priced out in better areas.

The top two properties for equity (both above 48%) in my Schadenfreude tracker are on my street. They didn't do cashout refinances. When I calculate the total amortized principal+interest from current mortgages, and divide that by their current Zillow values, the results are both under 1. All properties but two (those are four bedroom houses on our street that Zillow last year recalculated their values to be roughly $92000 per bedroom) have lower equity from May 2010, despite some having 20-year and 10-year mortgages.

By the end of the year, I think I can get my HELOC balance to equal 10% of my mortgage balance. It's a tidy goal to work towards. Probably more realistic than the hoped-for return to 60% equity.

This week I did not at any time order coffee or espresso out. I know the week doesn't officially end until fifteen hours from now, but I thought that was remarkable. My husband had only work coffee on Friday.

I will brave jaunts for flour, eggs and canned soups, so I can commence to warming the main floor and our stomachs. I will also brave semi-annual payment of car insurance. This might be the last one we have for our vehicle. I better go bless the heap with holy water so we are protected from driving hell this week.What's great on a snow day? Red pepper soup and brioche!

Downloaded ePamphlet from usa.gov on healthy frugal recipes. You Can Too!

As I picked up some paper detritus, I found an old printout from grocerylists.org. I love how, in addition to dairy, fish, baking goods, there's a shopping section for carcinogens. I resolve to reduce my intake of parabens this year. I just had bacon burgers last night, au Yellow Farmhouse Cookbook, so that will be sad to restrict. Come to think of it, pancetta and prosciutto are processed meats too. I go cry now.

It is nearly the middle of the month and we have spent only $26 on automotive fuel! Yay shut-in lifestyle!

Fave poverty cookbooks: Cooking for College Kids - home ec teacher from Alberta so LOTS of meat recipes. Meat's plentiful in Alberta! More-With-Less, the Mennonite classic. Saving Dinner by Leanne Ely.

Etta James released from hospital last week
Robin Gibb seeking natural treatment. Seven rounds of chemo!
Penny Marshall smoking and eating Italian food.

Psychics predict ends to Abe Vigoda, Muhammad Ali, Pope Benedict XVI, Lindsay Lohan, and Dick Clark. This is not wishful thinking: I have only one of those people on my list.

Also, gold and silver will rise. I'm hoping they'll rise enough to handle the also-predicted summer spike in food commodities and oil prices. I predict summer gas prices west of the Rockies to reach $4.50 US/gallon by August.

If you look at the sidebar, there's a new debt reduction milestone. My car fund is not increasing, as I have made debt reduction my top priority this quarter. Hubby and I paid the same bill without each other's knowledge. He did it on the credit card, I used EFT.

For fun: go to Google.com and input "do a barrel roll." Safe for all ages.

I have a few no-spend days. It feels like deprivation and no benefits because much of the surplus has been earmarked for end-of-month utility bills, ensuring a zero balance for the next credit card, and the semi-annual auto insurance.

We were warned by the pediatric dentist late last year that she would be an out-of-service provider. Fortunately that issue was resolved very recently (we should get our letter in the next two days).

Learned that our charges for water, waste and sewer services are 34% below average residential.

The problem: my brother is straddling hope/expectation that our two families will vacation together. I won't do it if I can't afford it, and yet I sense I will be buying a car soon. I am now putting out feelers for a relax-pace, part-time temp job for four months.

I have a question: do you know any home mortgagee who did at least one cash-out refinance in the past seven years who presently does not regret her decision?

Update: A man who nearly lost his house to a Sheriff's Sale last year has been arrested a year after breaking into a woman's house across the street, tying the woman with duct tape, taking her debit card and demanding her PIN. He didn't refinance in the last seven years, just bought in Nov. 2005, like the guy in the BottomLine MSN article, and didn't have the means to pay his mortgage for several months. He didn't have a serious criminal history before then. I've got to keep tabs on my neighbours now!

It's a religious observation, sure, but meditating on its secular connotation here are some:
1. my food bill is high because the meat I buy is growth-hormone free. Sure that sounds smug until you know that my dying mom asked me to eat organic and whole foods. If your parents died from degenerative and cardiac disease you'd be making different choices too.

2. Inertia is the only thing stopping us from cancelling our landline. The only calls are from offshore autodialers, and they're not worth running out of the shower to answer.

3. You know what would be funny? A 2000s-era home-building publicly traded company specializing in Nevada/Arizona/California properties called "Icarus." Seattle can have "Fungi Bull Properties."

4. Come to think of it "Seattle Spores" would be a funny NHL hockey name.

5. The Canucks is not a nice team name: "A Canadian, esp. a French Canadian (chiefly used by Canadians themselves and often derogatory in the US)", but it's used. What's sad is that "Canadiens" is a team name used in a city in a separatist province. "Canadian" is also a code term white American racists use to label African-Americans.

6. Insurance companies somehow know when our insurance becomes due: three solicitations in two days for our business. Two of them give teaser quotes higher than what we currently pay, and one of them has the Hugh Dennis catchphrase "Are you paying too much for... insurance?"

7. Ease is the Disease.

8. For your decluttering/weight-loss/woo-trippy pleasure, It's All Too Much - Beatles YouTube (safe for all)

I live on the coast of the largest body of water on the planet, 110 minutes drive from the second vastest country on the planet. Gas prices, home values, taxes for me are more expensive than for someone in Gary, Indiana or Tulsa, Oklahoma. So my food budget is bigger too. If you gasp at $600/month eating-in groceries for a family of three, you are either a farmer or vegetarian or you can get a 4-bedroom mansion in your neighborhood for $175000. For $175000 one gets a two-bedroom condo in a 40-year-old multi-strata building in my neighborhood, and I live in one of the uh, more affordable areas in my city.

I have been fixated with $750 budgeted for food away and at home and now recognize this fixation is futile and wrong. If someone lived in Boston or Manhattan or San Francisco thought "I should be able to spend no more than $1000/month on a 2200 sq. ft. living area not situated anywhere near a toxic waste site. What am I doing wrong?" I would gently mention that costs of living vary by area.

Since adopting the YNAB software budgeting system, I must accept that there is no “normal” month for categories, and food is one of the most volatile. It probably has a beta rating of 2.4 in my household. December is when we splurge on stocking stuffers and little feasts and that is not normal. December 31 is not normal for us either: we spent $60, the three of us, eating out.

I’ve also just recently started to keep a price book, have not abandoned meat on our diet, and although I’ve cut down on my coffees out, or swapped two cappuccinos for three drips, in January it feels really good to have something hot down the throat while making those no-gas-day errands.
My son takes lunch to school.
I make soup but maybe not enough.
My husband eats at home most of the time he works.
We do whole and organic foods and shop at farmers’ markets, though.
I like seafood and know its health benefits but even being by the fricking ocean doesn’t stop mussels from being $4/lb and clams at $5/lb or halibut at $22/lb. What do we have? Salmon at $5/lb., sole at $7/lb, tilapia or snapper at $4.50/lb. And it’s not just me buying coffees, or chess meeting snacks, or hot chocolates.

I am now reading the flyers to stock up on good deals offered by any of the three major supermarkets and two discount chains I frequent. Probably it is too early to call this food-cost experiment a bust.
--------------------
January 1:
personal holdings
Precious Metals: $10800
HELOC: $14771
Liquid: $17500
Stock: $1800

Stockwatch - some I have, some have great expectations.
TGT: 51.25
MCD: 100.33
DIS: 37.51
FCX: 36.81
WAG: 33.09
PG: 66.71
-----------------------------
What I'm reading now: Burr, by Gore Vidal. The Disappearing Spoon, by Sam Kean.

At last it can be told:
I met baselle yesterday to deliver my list and share in a toast to 2011 and 2012. We had a lovely time: I was immediately comfortable with baselle, and coming from a hermitess like me, that is big. She told me she was waiting for someone, and I pulled out All Your Worth and my decorated price book from my bag and said "let's see if these items are markers of the person you're to meet with."

At last it can be told:
1. Annette Funicello
2. Aretha Franklin
3. Dick Clark
4. Etta James
5. Gary Carter
6. James Garner
7. Larry Hagman
8. Penny Marshall
9. Robin Gibb
10. Zsa Zsa Gabor - breath barnacle

Eight slots were committed, two of them wavered over three weeks. I agonized about Don Rickles, Prince Philip and Andy Williams, but I am about points. This is a "balanced" (growth + income: some sure things, plus one long shot, one nonagenarian) list. I do not wish ill on any of these people, and I do know what it is to lose immediate relatives well before their time. I put Zsa Zsa Gabor down to thwart everyone else who had her on their lists too, just like I buy stock or precious metals just to make its price go down the next day. I wonder if the rule of five applies to dead pools: one does better than you expected, one worse than you expected, and three are par for the course.

I won the dead pool my friend and I had between ourselves last year, with 20% success rate. I'll be happy with 20% success this year, but I hope for 44 points or more... But the dead pool victory of 2011 ensures $30 added to my $20 Challenge! Thank you to Chris, Harry and Jack for making this possible.

Hubby bought clothes at JC Penney at vastly reduced prices, I think 70% off. Righteous.

Walked on Burke-Gilman trail in north-east part of city with boy. Beautiful day, hubby was pushing at me to break in my helmet on the scoot, but boy asked to come along.

Happy New Year, Everyone!

Link Du Jour: Aretha Franklin sings Auld Lang Syne

2011 Spending: It happened. Some of it has yet to happen.
2012 Spending: It will happen.

Hubby bought new clothes at closeout prices!
I made restitution to the library. So good to me: despite a kaput copier, a librarian offered to photocopy the Saturday NYT crossword, for a fee of course, which suited me fine. I paid my dues and got a replacement card.

2011 Reading: Finished The Pickwick Papers. It's a wonder Dickens didn't go blind or get carpal tunnel syndrome. Watched BBC comedy special Dickens parody "The Old Bleak Shop of Stuff" which is either wonderfully silly or silly garbage, depending on your point of view. Best reads: Beat the Reaper, King Suckerman. Best film: Hugo.

2012 Reading: Burr, I Am a Genius of Unspeakable Evil and I Want to be Your Class President (Daily Show writer pens young adult novel, throws in jokes about Warren Buffett, Bill Gates and Captain Beefheart's "Trout Mask Replica" album), stuff on my shelves, 1Q84.

Major thing I did wrong in 2011: let events beyond my control affect my life.
Major incorrect beliefs in 2011: Opportunities come when I feel ready for them. My stomach will reduce if I reduce my caloric intake.

Things that went right in 2011: Won my dead pool 3-0. Was less in debt in December 2011 than I was in December 2010. School board election. IBM stock price. Mortgage refinance (on a single income!).

From Leo Babauta via Barry Ritholtz, 52 Tips for Happiness and Productivity
Try rising early.
Do less.
Slow down.
Practice patience.
Practice compassion.
Find your passion.
Lose weight.
Exercise.
Eat healthy.
Meditate.
Get organized.
Think positive.
Simplify your finances.
Simplify your life.
Accept what you have.
Envision your ultimate life.
Set long-term goals.
Review goals.
Life mission.
Plan your big tasks for week and day.
Maintain focus.
Enjoy the journey.
Create a morning and evening routine.
Develop intimate relationships.
Eliminate debt.
Enjoy the simple pleasures.
Empty your inbox and clear your desk.
Build an emergency fund.
Keep a journal.
Use the power of others.
Read, and read to your kids.
Limit your information intake.
Create simple systems.
Take time to decompress after stress.
Be present.
Develop equanimity.
Spend time with family and loved ones.
Pick yourself up when you’re down.
Don’t compare yourself to others.
Focus on benefits, not difficulties.
Be romantic.
Lose arguments.
Get into the flow.
Single-task.
Be frugal.
Start small and slow.
Learn to deal with detractors.
Go outdoors.
Retire early.
Savor the little things.
Be lazy.
Help others.

Projects for 2012: Classical Education and Writing tutoring for kid, Japanese language, Price book. Get a Real Job, either in US or Canada. Home fix-ups: fence for the back, replacement door for the back, replacement stair material.

Link du Jour: Otis Redding and Carla Thomas - New Year's Resolution

Last payday of 2011. I crash-saved $400 over the past two weeks. That doesn't sound like much, but I also finally brought the VISA card down to a flat zero balance.

Today we bought a framed illustration of SCTV's Dr. Tongue and Bruno (John Candy and Eugene Levy) for $10. It is not in 3-D. This is a $90 markdown from what we saw at Cafe Racer. I wrote to the artist and said I liked it and he sold it to my husband.

Also bought, finally, replacement motorcycle helmet, at about $80 less than I expected to. Yay for girl rider discounts!!

I logged into paypal, and saw that PayPal threatened to close my account within 30 days if I did not accept all-electronic communications. Deadbeats. Through PayPal I will pay for YNAB.

I also put some $$ into each of the savings and chequing account in my other credit union, because I can never remember how they debit me for annual safe deposit box rentals. It occurs to me I could give myself an "allowance" weekly and deposit $ to these accounts for investing, or secret gift money.

Silver was down 22% for the year in 2011. Gold was up.

Today I used my price book for shopping! I forgot one item but I was in a rush so my spouse could use the car.



I am unhappy about the home value and my equity taking a dive over twelve months despite the new roof but it happened to seven properties on my schadenfreude sheet. Californians who remember 2008 are nodding. Sometimes I think of paying enough down on my HELOC to get my equity past 60% but that would mean losing the APR on my money market account, and jeopardizing my ability to pay in cash for my car. I imagine some people my age have worse scenarios. I've paid just 6% of my mortgage in four months (good!) and have paid 38% down of the sale price for the house for 13 years (ugh).

SavingAdvice.com forum post on price book.

I didn't think to take one of the little notebooks I gave to the school teaching staff last month, so I bought a recycled-paper small one to fit in a purse. The price book idea I read in The Complete Tightwad Gazette, but OrganizedHome.com also has a downloadable template.

YNAB v3.6.0.5, perhaps considered "faddish" by some, so far has kept me mindful. My Money Market Account (MMA) is $600 larger than it would have been if I weren't keeping track. We're not completely denying ourselves either: I bought nibbles for our board game sessions. I'll be shelling out $$ on NYE. My attention deficit disorder had me drafting and redrafting some asset allocation/spending plan schemes. With YNAB I can keep better track of my savings goals and where our money is going.

I also don't include my gold and silver amounts in YNAB because of their daily fluctuations, so I look more broke than I am.

Today I give blood.
My Price Book so far has entries for items we commonly buy from Costco, or find ourselves walking to yonder national chain every week to get.

Thinking I might not do a Target (TGT) Direct Purchase Plan, but rather put some cash in one of my stock accounts: the initial purchase fee in the DPP is equal to the commission the investment service applies, and I've had a number of free trades, so averaging the commission cost is lower.

The spouse of one of my alt.obituaries Dead Pool picks died: no points.

Wishing you the true and greatest gifts: love, friendship, peace, joy, a warm place to sleep, and a full stomach.

My personal approach is to have mini-challenges. I won't restrict these to one per month, although they happen to number twelve. Some will be easier than others.

2012 $20 Challenge Savings Goal: $200. This way I look like I accomplish something.

Bathroom Challenge: Use up cleaning products from Bathroom and Kitchen, replenish either with homemade remedies or with products for which I have coupons or 10%+ savings discounts.
Amazon/Craigslist/eBay Challenge: Let's sell some stuff!
Chinook Book Challenge: Use coupons from 2012 Chinook Book.
Coffee Challenge: Reduce # of coffees out per week to two.
Coupon Challenge: Using coupons from circulars or Target.com, but not Chinook Book.
FreeCycle Challenge: Get needed items through the kindness of strangers.
Freezing Challenge: Keep forgetting I can freeze homemade bread, dough, pies, muffins and beans after they've been cooked.
Gas Challenge: Does not apply to scooter. Fill up every ten days. Options: walk, bike, take transit, or scoot.
LifeHacker/Tightwad Gazette Challenge: Learn something? Share something!
Movie Challenge: Watch films on Archive.org, on my personal PC, or from library whenever possible. Exceptions for films like 'Hugo' or rare specialty films at theaters where we have memberships.
Pantry Challenge: Popular in the last four days of a payperiod. Exceptions only for milk, eggs, butter and bread.
Poverty Challenge: Weeklong Pantry Challenge.
Reading Challenge: First, pay off library fines. Then pay for replacement cards. Then get books from the library. Also read ebooks from library or what I've downloaded.
-------------------------------------
Wondered why I've managed only to replenish $2450 of my $7500 roof. Spot price for ounce of gold was $100 less than what it is now, and I had 1.5 oz fewer than what I have now. Also silver was $5 more per ounce than what it is now. I did not dedicate myself to debt repayment. When silver touches $40/oz I will liquidate some.
--------------------------
I signed up for a local consumer research study firm but I fail all its survey qualification questions. Maybe because I don't have a lot of techie gadgets, or watch television. What are some good questions to answer "yes" to so I can get somewhere between $50 to $100 for participating in these groups.

Somewhere between being baby-la-la and "oh I never thought of money that way". Comfortable with YNAB's philosophical approach and Rules.

Keep forgetting I have stock. My stock balances are very low though: I haven't added to them this year in favour of an investment yielding 22% instead. I bought one share of P&G. I have enough stock to liquidate if I needed to pay tax for the new vehicle.

Paid mortgage through the mail this month.

Yes. But tomorrow won't be one: I'm buying turkey sausage for bean soup, ground veal and ground pork for tourtière. My scheme for the next eleven days is to spend under $100/day, and put what I didn't spend into the VISA card, then the HELOC, then into silver, money market account, Procter & Gamble Direct Purchase Plan (DPP), and Walgreen DPP. Target by Value Line and Standard & Poor's judgements is worth buying as a Direct Purchase Plan BUT! The initial purchase charge is equivalent to my TD Ameritrade account charge; and when I signed up to receive the Direct Purchase Plan by mail, the Bank of New York/Mellon website's form did NOT accept my name, although when I used the Contact Us form to complain, my name didn't hold up any processing script.

I have been blessed with heaps of bean sprouts so am making chow mein, chop suey, egg foo yung before they get slimy beyond use. The More-With-Less cookbook is helping me out.

I dropped off three cans of tuna, one box of macaroni (it was Barilla, the good stuff), and one package of whole wheat spaghetti at the local food bank.

Has anyone used the YNAB software program with success? Has it paid for itself? I have a trial program but only a seven-day trial key.

My Dead Pool 2012 lists are ready.

Friday I witnessed six impossible things before noon:
1. Smooth ride free of congestion to downtown, namely the Public Markets.
2. Immediately available parking.
3. Easy walk with 25 lb box o' meat to car.
4. Easy parking spot to Western Ave where I reused the parking sticker (illegal).
5. Got back from downtown in thirteen minutes. (I live over eight miles away).
6. Had exactly enough for fish, meat, Terry's Chocolate Oranges, and 2012 Slingshot.

I offered one to my son's teacher when I came by to give my son a lunch. His teacher is English, so I expected the Chocolate Orange would go over very well. He received it like a young child, with an "OOH!"

Not going to buy a car until my finances are big enough to manage paying off the car + the HELOC.

Compared to a year ago I am $1515.01 poorer in liquid assets. I'm playing the tattered and faded "I paid for a new roof" card here and saying that's not entirely sucky.

Hubby got $350 from his parents. It's designated "fun money." I asked him to consider putting it in the Money Market Account and he made a face. What's wrong with wanting cheap fun all year?

Did I mention I have three strikethroughs for my 2011 dead pool? Two within ten days. Golden!

HELOC: $14950
Target: paid $36.57 (statement balance paid in full before 12/22 due date)
Visa: $220 remaining (statement balance paid in full before 12/27 due date)

Year-end interest on HELOC: $454. My goal was to have paid $10K of debt for 2011, and if I exclude borrowing, I've accomplished that. But my balances currently owed are not $10K less than December 2010: they are $6900 lower.

That $10 Target gift card went to a local women's shelter.

I gave $10 each to two schools in the new school directors' districts.

I am feeling broke because of the selloff. I recognize that I must act against my feelings in investing. Hubby gets paid tomorrow, so I'll see if gold slips below this year's average price, and ask about Maple Leafs: expecting big swings. And it's a triple-paycheque month: that's always good.

If you missed this post and want to participate in the recipe exchange, please do. And thanks to those joining in the recipe exchange -- you've posted some intriguing offerings!

I received an e-mail recipe exchange tree. I am wondering if I can get six to twenty recipes as comments in here to give to my e-mail friends. Naturally the repeat visitors to this post can use what commentators share.

Here's mine, "Syllabub" from The Grange, a 1835-era "gentleman's house" which was originally the house of Upper Canada's "government elite" the Family Compact Boultons.

Syllabub -- a popular dessert recipe served from The Grange kitchens. If it gets runny and starts to separate, serve it as a great drink. Metric measurements are to the right of the item. Use US or metric, but not both, unless you want to double the recipe.

1 large lemon 1
1/3 cup medium sherry 75 mL
2 tbsp brandy (optional) 25 mL
1/4 cup granulated sugar 50 mL
1 cup whipping cream 250mL

Grate lemon peel finely; cut lemon in half and squeeze juice into bowl. Add grated peel, sherry, brandy if using, and sugar. Stir until sugar dissolves. Add cream and whisk until soft peaks form. Spoon mixture into wine glasses. This tastes best refrigerated for 24 hours before serving. Makes four servings.

Gainsbourg is closed due to a kitchen fire, until the end of the holidays. Maybe I'll just make homemade Chex Mix and the Syllabub.

I present a short list of new or offbeat effective ways I have saved money this year:
1. Freecycle.
2. Invest in Turkish coffee kit. Espresso cravings go away with re-roasted fine ground seasoned with cardamom.
3. Shop at Goodwill for pants and shirts.
4. Start shopping for some groceries at Target.
5. Bring Chinook Book with me to all shopping expeditions.
6. Use Dr. Bronner's Liquid Castile Soap as occasional shampoo. Bring own empty bottles of Dr. Bronner's to refill at store: a 40% saving.
7. Airdrying not quite bone dry clothes.
8. Baking own bread.

We caught a half-hour of the lunar eclipse before the everpresent clouds smothered the moon. Walking in the 56F house led to the observation that my house is still cluttered. I wonder if our school's families can have a fundraising rummage sale.

I found the KitchenAid KFP 700 booklet for the food processor. I have used the processor exactly once, for pie dough. Now that I have the booklet out, I can learn how to use those blades and accessories.

Storewide sale at motorcycle center. Thinking of asking about layaway plan. I told a long-term salesperson there, I suspect he may be the husband of the woman who regularly gives me the "biker-chick" discount, that I am used to certain discounts. If I can get 20% off a good helmet that fits, it's worth paying for.

A suburban Bank of America branch has taken to stationing a security guard outside, I saw as I returned to my car from a grocery trip. I defeated the temptation to tell him that the thieves were in the branch already, wearing business attire.

Paid full price for a screening of "Hugo" in 3D, but as it was one of the best films I have seen in two years ("Man on Wire" made me cry, as did "Hugo" -- films that use Erik Satie compositions are tearjerkers), and we didn't pay for concessions, the outlay wasn't that bad. Seeing "Hugo" in 3D is worth it to approximate how the fin-de-siecle audiences reacted to the "lifelike" motion pictures. It was even better than the book because of the Satie soundtrack and the clips of Keaton, Lloyd and Chaplin.

According to my car fund chart, I am behind my June 2011 accounts by $1734.91. That's about how much principal I've paid my Home Equity Line of Credit, which means that we're not saving much money, if any.
Somebody please let me know I am not alone.

We were to shop for stocking stuffers but bought things no one really wants in their stockings: AA batteries, socks for boy, a travel mug (that one is going into someone's stocking), and two lampshades.

I have posted about how I like to buy local, but I have to share this anecdote -- there's a lampshade place less than a mile from where I live. When my decades-old antique "shabby chic" lampshade's paper lining cracked apart then broke, I went to the "generations-old family business" to be told nobody made that kind of lampshade anymore, and they wouldn't have the lampshade I wanted unless I requested one custom-made, which would be about a hundred dollars. "Crikey," I thought, "if this place doesn't have it then my lamp is toast!" and I was going to FreeCycle the lamp. Only Target had the lampshades that fit the lamp perfectly at $12.50 so my lamp is lit.

Bought some boxes of frosted bite-size wheat cereal from Target too, to find on the back of each box a plug for "Target Take Charge of Education" so I taped a note to one of the boxes saying it sure would be great if our school were registered in Take Charge of Education, but a school staffer, not a parent nor PTSA member, had to enroll the school. I think I am becoming a Target believer: I used to visit every two months, but now that I have the RedCard I visit every two weeks: always for groceries and necessities, mind.

I also was the conduit for a donated box of pens, pads, notebooks, pencils, and teacher accessories today. I hope/wonder that the teachers will make use of them.

Wondering what to do with the $10 gift card -- give it to boy to buy Pokemon cards, give it to stepgrandmother down in Florida this winter, give it to a women's shelter...

I think maybe the button was taken! Let's hope!

I am deluged with coupons, and I am so tempted to buy as "an inflation hedge." Local drugstore chain, Target...

One thing I haven't done recently is add to my Direct Purchase Plan stocks. Thinking of also Canadian National Railway (CNI), which I had my eye on and is doing nicely. My father once worked for Canadian National: I have early misty memories of going to the train depot.

CNI's up to 78.07, and Value Line noted when it was not yet at 76 to wait for a pullback. But I'll keep it on my watch, with 3-5 year returns ranging from 6% to 15%.

WAG dropped 11% this year, but Value Line's 3-5 year returns projected are 18% - 22%. DY: 2.66%.

GE year to date's drop is -10.88%, 3-5 year returns projected are 20 - 35%. DY: 3.77%. Morningstar says it's a buy.

PG year to date's drop is... hey there's no drop! 2% increase, with 3-5 year returns projected 12 - 17%. DY: 3.28%.

Kinda glad I went with gold and silver this year.

Also, my friend needs to come up with three stiffs in three weeks to win the 2011 dead pool between the two of us. No 96-year-old famous male with pneumonia was safe from me.

This is Seattle for you: "We'll siphon your gas and steal your mail and packages, but don't expect us to carry through our insistent pleas for free things by actually picking them up."

I FreeCycle, which means I subscribe to a listserv where locals make WANTED and OFFERED posts for items, and are contacted by people who have a "match." I offered an item and there were eight responses along the lines of "please please please" "I want I want I want." I gave the first intended recipient 72 hours to get back to me as it was the weekend and not everyone, especially the poor, has immediate access to a computer, he didn't; I gave the next-in-line 24 hours to get back to me (she posted in the evening, so I figured she had a PC or smartphone), she didn't. I'm on number three.

I'm not even giving away a piece of petrified dung, or an "E.T." tchotchke (those sat around in 7-11s for two years post-movie where I lived) but a collector's item.

At the self-check-out counters, collect store-issued coupons left behind by customers. My son does this regularly: it's like collecting change under library photocopiers or in the old days, checking the coin return of payphones at airports.

He collects other people's receipts, which isn't so useful, unless they buy things that would go into our price book.

Make sure the customers have actually left the store: one man was confused when my son took his receipt. Patience is key!

Back then I owed $161,000. HELOC was $20300, Mortgage was $139000, Visa $700 (I didn't carry a balance on the VISA, but noted it anyway).
Now I'm at $132466, with HELOC down by $5000 and Mortgage down by $22000. That's almost $10K/year.

Oh yes, and my credit union opened a branch within seven minutes' walking distance. Calloo Callay oh Frabjous Day!

Need an amortization/savings chart.

Hubby wants a special laptop.
My laptop case is coming apart.

I know when my HELOC roof expenses are paid back I'll relax the payback schedule.

Maybe a motorcycle helmet for the little guy.

New-to-us car.

The hip, upscale diner my friend and I went to for debt group chat played "oldies" music (Modern English, the Smiths, Duran Duran, Echo & the Bunnymen, Simple Minds, Talk Talk). The diner was not that populated, which surprised me. When it's the four of us we opt for something cheap and north, but my friend and I are Seattle foodies, and although we are in debt, we have enough to pay once a month for some good food. This was kinda economical for us anyway because we combined our occasional "let's eat somewhere good" urban pleasure with debt group.

My husband and son ate out "to get even with" me. I have been eating out for brunch/breakfast nearly every month for eleven years with my debt group.

Was asked for money as I went home from the library. Minutes later I bought an issue of Real Change and spoke with the vendor at last, telling her I'd been passing her by because I didn't have a dollar, not all my walks have "commercial intent", and I end up giving to food banks and homeless shelters, and badged Real Change vendors this year.

I just thought of something. Catholics have Advent calendars, I wonder if many North Americans have Add-debt calendars. Open a door, see a "Gold Box/Red Hot" savings opportunity every day, bring out the card.

My husband has been waiting for eight days for his birthday gift. We are hoping it hasn't been stolen: we've been at home every day, and I have received two packages in that periods.

Read that 18 percent of mortgaged homes in a nearby county are underwater. 17% of mortgaged homes on my sheet are underwater. Washington’s negative equity mortgages accounted for 17.2 percent of all mortgages, according to CoreLogic. The county south of us is hurting with 29% of mortgages underwater. Titanic real estate!

Also learned that things are so tough, that someone broke into a house to steal toilet paper, chicken cutlets and milk. No electronics, just protein and disposable paper. I got my family to lock our car doors now: guess the battery dying from some dimwit using the cabin light to find the gascap release lever snapped the spouse to attention. You have to be broker than broke to steal gas from a 1990s-relic automobile, and to break into a house to steal something not for pawning or for crystal meth production.

For 2012 I will concentrate on getting a job that will allow me to pay off the HELOC or build up our savings so we can work on the house and sell it and move, or rescue my sanity. Also, my friend and I agreed that while many people (myself included) look for the magic one-shot savings tip that will save them 10% on their expenditures, the reality is that dozens or hundreds of cheap little tricks are going to do it, and lots of them require forethought and organization.

HELOC: $15137.12
Mortgage: $117,328.84

Money spent on coffees today. A local entertainment periodical is offering a raffle of two paid nights in a Vancouver, BC hotel for those who give to a certain food bank charity. If I win I have to take my family (they and apparently homeland security take my solo excursions with alarm). They've been to the hotel and my husband still gripes about it. It's a decent hotel but the nickel-and-diming of fees rots his socks.

Mailed a present to my NY friend: $2.25.

Things are rough all over. When we went to coffee the proprietor was wailing and gnashing his teeth. Half my debt group are ill. Owe money in overdues to libraries but will pay up before Dec. 31.

Dirtnap for Dollars 2011 closes in 30 days. I leapt into the lead in early January and have been there for nearly eleven months.

How to save $10000 - Link du Jour from Wall Street Journal.