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Archive for September, 2017

100 Days Until Christmas!

September 16th, 2017 at 05:50 pm

Christmas is just 100 days away!

We have saved some money already. We spend just about $600 a year, and simply save $50 a month. It's nice to know the money is there. I don't include money for gift wrap, baking, or the occasional new decoration. The amount we spend on that is very minimal.

I wanted to bring this up now for anyone that often finds themselves scrambling at the last minute to find cash or pulling out the credit card. Remember now, how disappointing it is to get that big credit card bill in January.

My suggestion is to make a list now of who you buy for and what you can afford to spend. Add that up and then divide by the number of pay periods you have left until Christmas. Save that amount going forward. Now if that seems like too much to save, then you need to go back and adjust the amount you are spending on each person or eliminate some gifts. Look for deals while shopping to make every dollar count. The sooner you start shopping the more time you have to find the right item at the right price.

I'm going to do a little better this year buying my baking items on sale. Last year I divided the items up and bought them during two different regular grocery trips. This year I'm going to watch the sales, probably in the weeks before Thanksgiving.

How are you planning for Christmas (or other holidays) to make it fit within your budget? Do you have a budget?

Snowflakes Here and There

September 15th, 2017 at 07:26 pm

Let's see if I can recall the recent snowflakes arriving here lately:

$8.05 Electric co-op return of capital
$6.00 Pinecone Research payments
$0.93 eBay proceeds for a book
$9.00 ATM refunds from our bank
$25.00 Amazon gift card from Swagbucks
$8.54 US Bank reward (5% back on Cell Phone)
$9.95 AmEx cable bill reward

Those snowflakes add up to $67.47!

I printed out some coupons for things we normally buy. If I use them all within the next month I will have saved $11.75. Only took me a couple minutes to print.

I've always said that small amounts add up!

No Student Loans Continues

September 10th, 2017 at 07:55 pm

I can't tell you what a relief it is to pay for our daughter's tuition and housing in full. No loans!!

The tuition this semester was officially covered in full by the Post 911 GI Bill benefits my husband earned and transferred to our daughter. I guess part of it was covered by her scholarship...can't discount $7,000! I have to say her University was definitely on top of processing the benefits in a timely manner. I think it helped tremendously that we notified them we would be using them in mid May.

Most of the tuition is being reimbursed by the Post 911 GI Bill as well. So far we have received $370. But we are expecting another $3,892 over the next several months. In the meantime, I transferred that amount from our savings so that I could pay the bill due on Sept 12.

Ah, the relief of no loans. It really is palpable!

Equifax Breach

September 9th, 2017 at 12:48 pm

Probably a good idea to check and see if your credit information was compromised by the Equifax Breach. Here is the link.

Turns out my husband and I are affected. Frown

I'm going to check my daughter's also, but need to dig out their social security numbers.

Next step is to sign up for the credit monitoring service. We are already signed up because of the breach that happened with the OPM (Office of Personnel Management). We will, of course, sign up again! It seems like it never ends!!

Were you affected this time?

Started Christmas Shopping & More

September 7th, 2017 at 02:14 pm

I've started Christmas shopping! One item arrived in the mail on Tuesday and another arrives today from Hungary. I mentioned to my girls at the beginning of August that it was never too soon to give me Christmas gift ideas. And they have done just that. Their lists are not flushed out completely, but I figured these couple items would be good to get now. Later this month I'm going to brainstorm for everyone else on my list and start making a rough plan. We've been saving $50 a month since December, so will have $600 saved for gifts by mid November. Yes, $600 is enough, we buy for fewer people now, and buy less expensive simpler gifts. It really makes for a much nicer holiday season.

We did buy my husband his new speakers for our family room. Out of pocket cost for them, the stands and speaker was $457.88. This was paid for with the per diem he received from his summer travel. He is very happy with his purchase and I'm happy for him as he has wanted to replace our old set (which we received as a gift for our wedding) for awhile now.

For now the remainder of the per diem is in savings. I'm pretty sure it will go to the Big Goal, but next time we have a budget meeting, September 15, we will discuss again. We may use some to fund some short term savings, but then pay ourselves back. But it really ends up being saved either way.

We are prepared for Hurricane Irma heading to the southeast coast. We have water, batteries, a hand crank/solarweather radio and cell phone charger, cash, and plenty of non perishable foods. And yes a manual can opener, although we don't have many cans! The weather radio is new. I found one at Bed Bath and Beyond for $51, after my 20% off coupon. I feel lucky as many of these kinds of radios were not going to arrive until late next week!

I used quite a few coupons at the commissary yesterday while shopping. They totaled up to $8.20! I also submitted my receipt to Ibotta for another $1.50 in rebates. I will follow my own advice and transfer that $8.20 from my groceries budget line to the Big Goal. I'm not moving the $1.50 as that is a rebate I will get in cash once I meet the $20 cash out threshold.

I sold a book on eBay over the weekend. Only netted $0.92, but it is now out of our home.

This weekend our landlords drove nearly four hours to put new mulch down in the landscaping beds. It was so needed. In one bed, they changed it to rock. It was very overgrown and over filled with plants. Honestly it really always looked awful. Now it just has a crepe myrtle tree and three rose bushes (which are new) and it looks much better. They also agreed to leave one large backyard bed without much as it only has three trees in it and all the mulch had virtually disappeared and grass has almost filled it all in. This will be much easier to maintain...just mow the grass, no pulling weeds or spraying chemicals! It will save them money in the long term too.

Last Friday, the high school football game was cancelled due to a tornado watch and severe storms. They played their game on Saturday but the band was not needed. We would have been volunteering, thus getting free admission, but we saved the few dollars our daughter would have spent at the concession stand. Tomorrow's weather looks good, so a couple dollars for a evening snack is scheduled. This is how the band makes money, so our daughter does benefit when the money is spent at our home team's concession.

I'll wrap up the post to mention I'm making a photo book for my niece that was adopted by my sister and brother in law in December. I had made one for her older sister when she was adopted. I'm not nearby so I've been gathering the photos as the take them and send them to me. I'm about to wrap it up, order it and have it mailed to her in time for her birthday next week. I'm considering it an adoption gift, and sending money and a small item I'm sewing for her birthday separately.

A lot to do, so I must get back to it! Prayers to all in the path of Irma and those that love them!!