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Random Thoughts on our Money

January 2nd, 2015 at 07:16 am

First, I'm a little slow on my 2015 goals, just like The Deacon's Wife. I will get there. Officially the first paycheck for 2015 isn't until mid month for us, so we have time.

Yesterday our only spending was $5 at the gas station, but we used a gift card to pay for that little soda splurge. We needed a pick me up during our filing cabinet purging. I have a post on that at Your Organized Friend.

Today we expect to get haircuts and shop for a calendar for my youngest daughter. I want a calendar too, but not sure if it is a need. I do use it to notice when dates are but tend to record most things on my online calendar.

We also plan to go to the music store today or this weekend. We have a credit with them after purchasing the most recent flute. It is $157. Equal to 10% of our purchase price. It must be used in January. It going to be a shopping spree at the music store! Some of it will go to purchasing music we know we need, but the rest is up for grabs. I'll let you know what we end up with. Smile

I'm close to getting enough Swagbucks to redeem for $25 in PayPal cash. I decided to go for the cash for awhile, so I can put that money directly toward two credit cards we are paying off. The each have about an $800 balance (no worries, no interest accruing). I should have them paid off in a few short months, or tomorrow if I decide to just use cash on hand!

The CD we have with NFCU is 5% interest on our $5000 balance. We earned almost as much interest on that money last month, as we did on nearly $35K in our money market. I do regret I didn't get some of that money invested into a CD two years ago. With an upcoming move, and the intention of using some of it towards the next down payment I will wait to do anything.

Do you use a wall or other paper calendar? Or just digital? Do you have paper to purge? What is the highest interest rate you are earning on your savings?

7 Responses to “Random Thoughts on our Money”

  1. Carol Says:

    You are inspiring me to work on files. Thanks!

  2. creditcardfree Says:

    @Carol, great! I like knowing I inspire others it keep me motivated knowing I might not be doing this alone. Smile

  3. LittleMissSplendid Says:

    Like you I record everything on my online calendar, but I always keep a paper calendar on the fridge. The paper calendar I get free from either the pharmacy or some other business that prints them as advertising materials.

    I do have plenty of paper to purge actually. All the non-confidential stuff I dump in the recycling bin my complex has. The confidential stuff I just store in paper bags until I see a Free Shred Day advertised. Usually banks do them during tax season and you can take 2 paper bags or one bankers box of stuff. The best part is they set it up like a drive thru so you aren't forced to stop and deal with any sales pitches.

  4. creditcardfree Says:

    @LMS, I know we get a free one every year from a realtor, but I really dislike it. I usually end up with one for $1 from Target.

    I just suggested the bank shredding option to someone on Your Organized Friend. It seems they sometimes coincide with Earth Day, too. Great minds think alike!

  5. FrugalTexan75 Says:

    I use my iPhone calendar for everything personal. At work we keep getting these wall calendars sent to us by different places ... I only have room/use for one.

    About Swagbucks ... I'm considering going to redeeming for AGCs only every other month, and then the intervening months only for PayPal cash. The AGC money pays mainly for my pea protein powder, and I only get that once every two months. So it doesn't really make sense to build up a huge balance there when I could use cash much more for a variety of purposes. Smile

  6. chloe Says:

    I use an online calendar to keep track of anything important, since I can access it and add things from my laptop or my phone. And I can easily "invite" my husband to things like social events or well visits for our kids.

    I do like to have an actual paper calendar hanging from the wall at home and at work for easy date reference. Not sure why I like it, but I do!

    The one thing I've been thinking about getting, though, is one of the birthday/anniversay calendars that just has the months/days listed out, but no year. You can use it from year to year without having to recopy all of the events into a new calendar every year. I know you can set events to repeat in an online calendar, but I like the idea of being able to easily look at a month and see all the upcoming birthdays and anniversaries so I can send cards, emails, etc. I am notoriously bad at remembering birthdays. So bad that family members text/email me to remind me to send birthday greetings to other family members.

  7. LittleMissSplendid Says:

    Lol chloe I'm bad about birthdays as well. My mom just gave up reminding me and starting signing my name to cards or texts she sends lol. Apparently you can set up e-cards and schedule them months in advance, but I never remember to do that either lol.

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