Bills, budgets and a quieter house in southwest Ohio
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The aggregation letter from the city and why we opted out

The aggregation letter from the city and why we opted out

June 28, 20254 min readNo comments

A letter said we'd be switched to a group electric rate unless we opted out. What it meant, how it compared and the call I made.

Aldi or Kroger for two people: a month of receipts

Aldi or Kroger for two people: a month of receipts

June 21, 20253 min readNo comments

I alternated stores for four weeks and kept every receipt. Prices, quality and which one fits a two-person kitchen better.

My first summer after 24 years at the school office

My first summer after 24 years at the school office

June 14, 20254 min readNo comments

Leaving a school-office job in June felt like the last day of school, except nobody was coming back in August. How I spent the first summer.

Shrinking the vegetable garden to two raised beds

Shrinking the vegetable garden to two raised beds

June 7, 20253 min readNo comments

For years I planted for four. This spring I cut it to two beds, eight tomato plants and a lot fewer zucchini.

What my SERS pension estimate actually says

What my SERS pension estimate actually says

May 24, 20254 min readNo comments

Twenty-four years in Ohio's school employee retirement system. Reading the estimate, the reduced-benefit ages and why I'm not drawing it yet.

Paying the spousal surcharge or buying my own plan

Paying the spousal surcharge or buying my own plan

May 17, 20254 min readNo comments

Greg's employer charges $100 a month to add a spouse with other options. How I compared that to a marketplace plan for a 55-year-old.

Our weekly grocery bill dropped $68

Our weekly grocery bill dropped $68

May 10, 20253 min readNo comments

With Josh gone, we spend less, but not half. Where the $68 a week went, and the foods we still buy as if a teenager lives here.

Using Ohio's Apples to Apples chart to pick an electric supplier

Using Ohio's Apples to Apples chart to pick an electric supplier

May 3, 20254 min readNo comments

Ohio lets you choose who supplies your electricity. How I read the state's comparison chart and why we picked a 12-month fixed rate.

Our first garage sale in 15 years made $612

Our first garage sale in 15 years made $612

April 26, 20254 min readNo comments

Pricing, the early birds at 6:45, what sold and what went straight to the donation center. A Saturday of decluttering, by the numbers.

The first spring with nobody's cleats in the garage

The first spring with nobody's cleats in the garage

April 19, 20254 min readNo comments

No practice schedule on the fridge, no muddy cleats by the door. What a spring without kids' sports actually freed up, in hours and dollars.