What it costs to fill up our tank.

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Are you brave enough to take a picture of the pump after you fuel up? I’d like to see it. If you do, leave your link here for me.

I know most people are sharing in the misery of paying for high-priced gasoline. The dent it makes in our budget is becoming more and more… tangible. We have a BIG van for our BIG family. Our van has a 30-gallon tank. Whenever I fill that sucker up, I feel the attendant’s eyes burning into my back, waiting for me to speed off without paying. I hear that’s been happening more and more.

Our little car has a 10-gallon tank and the price just to fill that little bugger up is nearly as much as the 30-gallon was (in what seems like) not that long ago.

So of coarse, the question is - What do YOU do to cut down on the impact of high fuel prices?

Some ideas to ease the blow?

1. Take less trips; plan more when we do. A gallon of milk costs $7 if I have to run out late at night to get it instead of planning ahead, or doing without until I can combine a trip.
2. Ride-sharing. Especially when it comes to the kids and practices (mainly the older ones). Think of it as “free” gas (gas you would normally be using, but found out a way not to). That helps me remember how important being creative about saving a bit on the gas bill is.
3. Combining errands (similar to the first tip, but if I’m simply driving somewhere, school, practice, etc. Think about where am I going, what (other stores) will I be driving by and do I really need to take this trip? If I know I have to drive D out to practice (which isn’t close, mind you), there’s a grocery store on the way. If I have my act together I can shop while he’s at practice. It is like getting “free” gas.
4. Figuring out the cost to certain destinations. Weigh the cost against the benefit of going. This helps me put it into perspective. I figured it costs me about the same amount of money to drive to work as it would to take the bus. I was contemplating taking the bus, but since there’s no real savings (on money), and there is on time, I opted for driving.
5. Teach your older kids to to be savvy bus riders. We are fortunate enough to have very good public transportation. Our kids can use their semester bus pass to board the buses, even when they aren’t going to school. We take advantage of that when we can. The bus that goes by our house goes right by my parent’s house as well. If Beaner’s visiting gramma, she can often take the bus. Again, it’s like free gas!!

Have you heard about the rising concern of a rice shortage?

There are no shortage of articles (The Daily Tribune, news.sbs.com.au, thedailygreen.com) about it.

Another point of view:

Because when hoarding occurs, when even, say, 10 percent of your customers suddenly buy 10 times the amount of a single product than they normally would buy, the product is quickly exhausted and the supply chain will have trouble immediately providing the product… So there is not a physical shortage of rice; there is a problem with the supply chain because hoarding has stressed the system. - cnbc.com

If you haven’t noticed, it isn’t just America dealing with the high cost of gas prices, costs of food, and living. It is really kind of scary. We’re feeling the pinch more than ever. Gas is high, wages aren’t keeping up, and now rice, a “filler” food is on the rise, too. What next, beans?

Well hello again. Last time I posted it was 2007. New year, new post, new focus. I plan to update and re-arrange things around groovy-mom.com. As I change my personal focus, the site may see some changes as well.

Christmas is over. It went well. Gifts exchanged, family-time spent and an inch increase of the waistline (I’m guessing, I have no evidence to back that up, nor do I really want to face the scale right now).

It is only five days in to the new year, and though I don’t like new year’s resolutions, I do like to remind myself of what is important, where I may have went off track, how I would like to change things. I used to keep a personal planner. For years I did. A couple years ago I stopped. And, honestly, I can see the difference. So this year I am starting it up again. Writing in my appointments, deadlines and keeping lists. Financial planning is high on the list for me. Keeping (much better) records of where money is spent, so I can see where the leaks are. The credit card bill hit a max over the past month, going over and surprising us with a $40 late fee. Not good. We had that paid off. Paid off. Yes, I said it. Spend on it once, and… well.

So I’m going to whittle that down as much as possible. Pay it off with taxes (again), and then freeze the thing in a block of ice. Unfortunately, for emergencies, we need it. Until we can build up a savings.

Student loans I have ignored and denied. I need to face up to them. And I will.

I hope 2008 brings you renewed determination as well.

My finances are a hot mess. I’ll admit it. With some family crisis going on as of recent, all I could think about was getting through the day. I never thought about balancing the checkbook. And now I’m definitely paying for it.

As much as it sucks to be so low on funds that you have to cash in your little piggy jar stash to pay for your fat cat’s urinary track testing and medicine, it sure was nice to have that jar available. With the $80 that was in it, we were able to get some gas, have a lunch date (I’ll admit, a bit frivolous, but husband and I needed that), pay for the meds and have a couple bucks leftover. But literally, when those dollars were gone, we had NADA. Nothing.

That’s not a good feeling. And as I pondered how we literally had nothing, I thought more about how much we owed. Credit cards, student loans (who I’ve been fighting off for years),  home equity loan… I realized that we had less than nothing. Negative nothing, if that’s possible. I had to own up to it a bit. Suck it up, eat some crow. Stop burying my head in the sand. Stop making excuses, be more responsible.

I’ve been flirting with being financially responsible. Hopping on that wagon. Reading. Dipping my big toe in there, but not committing. But I need to. I’m groused out by the fact that I’m thirty-fricken’-four and I’m no better off than I was at twenty-four. A wee bit more responsible, but not credit card free (I was for a few months there), and not with savings on hand (had it for a bit).

This week I’m looking at my Overspending Triggers (feel free to hop in on that thread and list your own), seeing as it is Thanksgiving week and I’m hosting and I KNOW I tend to overspend when hosting. But I’m not going to worry about that right now. Today I need to cash my check. I need to think about where and how I’m going to spend it. I’ll report back.