What are we getting for people this year?

My sister said she wanted a chef’s knife and a paring knife, so after some conversation, we got her a santoku (Shun), a paring knife, and an electric knife sharpener.  This post of ours really helped me!  I don’t know what DC1 is going to give her this year, but DC2 has been working really hard on a 4 plate pixel hobby with 8 ballet dancers on it (DC1 gave my sister a pixel hobby with a pair of ballet slippers on it at about the same age).

Sadly, the bookstore in my mom’s town just went out of business (as did the Barnes and Noble a few years back), so either I get her a giftcard to someplace half an hour or more away, or she gets an Amazon giftcard.  Aha!  I realized that she’ll be staying at my sister’s around Christmas, so I can get her a card she can use at the half price books near my sister’s place.

For everyone else it has been harder!

MIL:  She started an amazon list this year!  Woooo!  When DH found that out (on the phone on Thanksgiving while trying to pump her for any hint of what she could possibly want) his stress level visibly dropped 75%.  We popped through and got a bunch of “Nana” related merch (I guess replacing her previous Green Bay Packers theme?) as well as a number of hard-boiled mystery novels.  (My mom runs more towards cozy mysteries, DH’s prefers the tougher stuff.)

FIL:  Now that FIL is retired, he’s spending more time hunting.  Plus he’s making sure there’s plenty of game on the plot of land he inherited from his parents.   So in addition to the Cabela’s giftcard we usually send him, we’re also sending a highly rated game cookbook.

BIL1:  DH is waiting for a game to go on sale so he can get a copy for his brother and his cousin both.  (I assume we’ll also be sending a check to the cousin, but I don’t know for how much yet.)

SIL1:  It is always a pleasure to shop for SIL1 because she has an up-to-date amazon wish list!  And she puts cool things on it!  And she has great taste in books!  This year I’m adding the Secret Casebook of Simon Feximal and KJ Charles’ regency series.

Cousins 1 and 2:  The younger has been learning braille, so we got her a subscription to the children’s braille book of the month club.  (It is pretty heavily subsidized, so we added on a donation.  What a great program.)  This is the first time we’ve known what to get hir!  For the older we’re getting the dragonbox complete math pack and big numbers which is too new to be in their complete math pack.  (Usually we also buy books for their oldest, but he’s already got most of what our DC1 likes.)

BIL2 and SIL2: This one was hard this year.  The past few years there’s been a good excuse to just write a check (a new house purchase, saving for a house, babies, paying off wedding debt, etc.) but this year none of that has been recent or immediate.  When DH tried to pump SIL2 for information on the phone, she was non-committal and said she’d update her amazon wishlist, which she always says and rarely does.  DH suggested not exchanging gifts among the adults with her nuclear family, but apparently she demurred.  I wish he’d just asked her straight up about checks vs. giftcards, but he didn’t.  We do have a bunch of $5 off amazon luxury beauty products and she does have a $20 foundation from 2014 on her list– we could get her that and the pair of $14 earrings from 2014 but that’s literally all that is on her list right now, other than a bunch of size 0-3 month onesies and diapers that will probably not fit either her rising 3 year old or her 5 year old.  [Update:  We got her the foundation and the earrings, and then a little over a week later she actually did update her list so we got her one of the books on teaching she wanted and now we are 100% done with holiday shopping other than that one game that DH is taking care of and stocking stuffers.  Yay.]

Cousins 3 and 4:  SIL did ok us buying books again for her kids (given how many toys everyone gets from the grandparents).  For the older one (about the same age as our DC2), we got Magic Treehouse and Magic School Bus books and the Magic School Bus chemistry kit.  For the younger one, ladybug girl, the Country Bunny and the Little Gold Shoes, Elephant and Piggie books, and Beautiful Oops.

For someone who likes art and lives in Milwaukee…

What are you getting for peeps this year?

Big expenses coming up in the next few years

We’ve been out of graduate school for ~10 years now, which means a lot of the stuff we own is now ~10 years old.  We’re now at a point where the probability that something big is going to need to be replaced is pretty high.

Our cars are 10 and 11 years old.

Our 12-year water heaters are 10 years old.

Our roof is getting on about 12 years.

Our refrigerator is something like 15 years old.

Our w/d are 10 years old.

Our dishwasher is 9 years old.

We’re not really sure which of these things is going to break down, or even how many are going to break down.  We shouldn’t need the cost of all of these in our cash emergency fund, but the longer time goes on, the more plausible it is that we’ll need to cover two or more of these in a short time frame.

We’re pretty sure we can cash flow water heaters.  Our cash emergency fund can handle one car, but not two.  Or not one car and a new roof.  Plus I’m kind of hoping that we can do solar with the next roof replacement (we’ll see!) — even if there aren’t government incentives, DH likes new technology and I like the idea of lower a/c bills in the summer (even if we don’t actually save money), which would add considerably to a new roof expense.

I feel like if we have enough in savings to  get us through the unpaid summer should DH permanently lose his job and to handle a major expense like most of a new car, then we should also be ok for the future, even though it might mean having to take on a temporary loan or to sell stocks.  I don’t think we need to have a targeted savings account for each of these major expenses as hopefully we’ll have time to replenish the emergency fund after one comes due, but maybe I’m wrong.

How do you deal with big lumpy unexpected but still kind of expected expenses? Does everything expire around the same time for you or have you spaced things out?