Bills, budgets and a quieter house in southwest Ohio
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We paid off the house

We paid off the house

March 28, 20264 min readNo comments

The last $893 payment went out in March. The phone call, the paperwork that came after and the escrow surprise nobody mentions.

Do we still need life insurance with grown kids?

Do we still need life insurance with grown kids?

March 21, 20264 min readNo comments

The term policy we bought in 2004 runs out in 2029. What it was for, what's changed and how we thought about letting it go or keeping it.

Going from four phone lines to two

Going from four phone lines to two

March 7, 20264 min readNo comments

With both kids on their own plans, we cut our phone bill from $140 to $70. The plan we left, the questions I asked and one surprise fee.

Smaller bakeware worth buying for two

Smaller bakeware worth buying for two

February 28, 20263 min readNo comments

Retiring the 13-by-9 pan, mostly. The smaller pans I actually use now and the ones I gave to Emily.

Our first tax year without dependents

Our first tax year without dependents

February 21, 20264 min readNo comments

No more child credit, no more education credit, and a refund that shrank. What changed on our return and what I'll plan for next year.

Learning to like a quiet Saturday morning

Learning to like a quiet Saturday morning

February 7, 20263 min readNo comments

For 25 years Saturday meant games, errands and laundry. Now it's two cups of coffee and a cat on the windowsill, and it took practice.

Picking a health plan when we barely see the doctor

Picking a health plan when we barely see the doctor

January 31, 20264 min readNo comments

Open enrollment for two people in their late fifties. Deductibles, a health savings account and what we expect to actually use.

A January cold snap and our highest gas bill ever

A January cold snap and our highest gas bill ever

January 17, 20264 min readNo comments

Four nights in the single digits pushed our gas bill to $286. What the fixed rate did and didn't protect us from, and what I changed.

Soup Sundays: one pot, four lunches

Soup Sundays: one pot, four lunches

January 10, 20263 min readNo comments

Every Sunday this winter I made one pot of soup. The rotation, the cost per bowl and the one Greg asked for three weeks in a row.

Our first Christmas with both kids home as guests

Our first Christmas with both kids home as guests

December 20, 20254 min readNo comments

Emily is driving down from Columbus, Josh is coming up from Cincinnati, and for the first time they'll both leave again on the 26th. A different kind of holiday.