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Groceries, Sales, & More

March 5th, 2017 at 06:22 pm

It's just my daughter and I here at home this week. I went grocery shopping for just the two of us and spent $52. I'm very excited about that number! The truth is we just eat a bit simpler without my husband. One night we are at an event at school where we will be served pizza. I will be giving a donation to a scholarship fund with a chance to win some prizes, so not exactly free, but a good cause to donate to.

My net proceeds from selling 11 items on eBay recently came to $145.33. Not bad for stuff we aren't using! This could probably be considered the first money for my new BIG goal.

Flute lesson was cancelled last week because the teacher got ill. Luckily she was able to tell us before we made the full trip all the way over there. Turns out she won't be available to teach this coming week either, so I have a $50 credit that will be applied next month.

I'm working on getting more Swagbucks. I have an item to buy from Amazon that is just under $12, so I'm aiming for a $15 gift card. This item is reusable and will save me about $60 a year by using it. So now I'm realizing I need to see what else I could replace to save. Another option would be to eliminate something I use because it is unnecessary. I have one idea, but I need to try it for awhile to know for sure. That would probably save me $40 per year.

I did a little online research and found that we could likely move on post in Summer 2018 (assuming availability) to an 2 bedroom apartment. The cost would be $1250, and include ALL utilities, cable, internet and trash. I figured that would save us nearly $910 a month or $10,920. And actually would save us even more as my husband would be blocks from work, so could probably walk. I would be driving less without a child at home. I sure like the possibility of saving some serious cash! Not sure what my husband would think of an apartment, nor do I know that we would still be living in the area next summer.

Big Goal

March 4th, 2017 at 06:30 pm

I'm starting to ponder a BIG goal. Like cash for our next home kind of big goal. I don't know exactly when we might own a home again. Possibly 5-7 years from now. In just over a year, we will no longer have children home full time. Of course, we expect them to visit! Therefore, we may be able to rent a home with less space then we currently have.

My first thought is to aim for $60,000. But the truth is I'd rather aim for $160,000. And that is a HUGE goal. Overwhelmingly huge. But the truth is if we don't aim for something, we won't get near as far.

Saving $160K in 7 years means saving $22,857 per year. As things currently stand that is not possible. We can save some of it, just not all of it. I'm starting to contemplate new streams of income or even a part time job to make that happen. I'm not sure where the money will come from but I'm looking to make that a new long term goal.

Do you have a HUGE goal that you are looking to achieve? Is it so big you don't know how it will happen?

Help for A Military Family

March 3rd, 2017 at 04:55 pm

No pressure at all, but I thought I would post a Go Fund Me link for a military family in need of help for medical bills. The wife of the soldier is in the hospital healing from lung cancer. We don't personally know this family, but the soldier did serve in a unit that was connected to my husband's former unit. We know soldiers who know the family well. They are very good people from what I have been told.

If you feel compelled to give back to a family that has served our country, this would be a most appreciated.

And as you can tell from reading their story, they have insurance through the military. As a reservist this insurance is a bit limited. And it does not cover experimental treatments that may be necessary.

Thank you for your consideration.

Spring Break Spending

March 2nd, 2017 at 04:29 am

We have two spring breaks as our girl's schools are on different schedules. The first one is for my our college daughter later in March. She's lucky enough to come home and celebrate her birthday. The main spending is her airline ticket home, which was kind of pricy, but I expect that may be because I was a little late getting it purchased, and it is spring break in so many places!
My husband is taking the week off, so we hope to do some fun things while she is home.

The other spring break in April will have us traveling back to our home states to visit colleges for our younger daughter. She will be a senior next year, so it is time to start exploring options and interests. Our airline tickets for all three of us on Southwest were $997. This was a much better deal than the single ticket mentioned above. We will stay with my parents most of the nights, but will get a hotel for two nights when we are in another state. I believe we can use Marriott points. I will look into that option later today.

Our travel expenses sure have increased since we moved so far away from family! I am thankful that we are not bogged down with debt payments that would make it so much harder to make these trips happen.

Total February Interest

March 1st, 2017 at 11:51 am

We earned $76.83 in interest on our money market accounts in the month of February. The short month! We added $25 to one of our savings accounts. This is a deposit from through payroll, so that we qualify for the higher CD rates.

As I was writing this, I was notified that Swagbucks the two gift cards I ordered just this morning are already ready for use! I haven't been using Swagbucks as much in recent months. This seems so much faster than it had been in the past. Is this the newer normal?

I will be using all $43 right away as I have several items on my Amazon account I want to purchase. I am buying engine and cabin air filters for both of our vehicles. I have a reminder on my calendar to change these out once a year. I'm also buying my a gift for my daughter's birthday later this month. I'm now done shopping for her!

Money Flowing In

February 28th, 2017 at 03:39 pm

I've sold some more things on eBay in the last couple days. Not big items. A few dollars for things we could have just donated, is fine with me. I only have one item still listed. After fees, I have netted around $95.

I received 300 points from Pinecone. I rarely get surveys, but this is for allowing them to look at my Amazon purchases each month. Easy money! I'm not letting them have access to my email though to look at other online purchase receipts. So far it all seems okay.

I cashed out some MyPoints a week or two ago. I redeemed the points for a $10 Panera gift card. I will give it to my college daughter as she likes to go there to treat herself once in awhile.

Tomorrow is payday. The money is pending in the account and I have added it to YNAB and did a preliminary budget for the first half of March. My husband will be out of town some of those days. I hope we can save a little but sometimes it seems it is more expensive for him to travel despite the reimbursement for expenses. I will be taking him to the airport as his order doesn't cover parking a vehicle at the airport.

I did redeem 300 points yesterday on Swagbucks for a $3 Amazon gift card. That has already arrived! I currently have 3653 Swagbucks. I will be redeeming 2200 for a $25 Amazon gift card tomorrow. I may also get a $15 one soon after once I have enough Swagbucks. I'm going to use the Swagbucks for things we would be buying anyway. One item that costs about $15 will be for my daughter's birthday in late March. That means I can use birthday money I have saved towards other goals.

It's Swagbucks Birthday

February 27th, 2017 at 04:52 am

I'm back on Swagbucks for awhile. I have some things I'd like to pay for with Amazon gift cards. And I'd like to get them for free!

Today is the 9th anniversary of Swagbucks. There are lots of extra codes and ways to earn Swagbucks today. So if you are already a member check it out!

If you would like to join, my referral link is here.

Micro Loans

February 25th, 2017 at 06:44 am

I know we have discussed this before on somebody's blog: micro loans. Can those of you that participate let me know what companies or organizations you use? Also are any of these micro loans here in the United States?

I'm just feeling the need to spread the wealth to others. I have earned about $84 from my recent eBay sales. I could have just donated the items, but I chose to sell them. I'm thinking I may keep half for college books and miscellaneous and the other could be provided to a micro loan. I am expected that I will have more in eBay sales soon to add to that amount.

Thanks in advance for your feedback!

Snowflakes & Sales

February 22nd, 2017 at 08:59 am

Good news! My husband actually was reimbursed for providing coffee to the Generals in the office last week. It's done on a donation basis. He scored $15 in cash for providing the coffee, creamer and sugar.

I've also sold four items on eBay since Sunday. I have one that has not paid yet. This always seems to happen when I accept a Best Offer. I'm almost to the point of not offering that, but I do like to make sales! This was just agree to last night, so the buyer isn't really late in making payment at this point. I would just like my money, so I can ship the items out!

Decluttering Means eBay Listings

February 19th, 2017 at 03:00 pm

I've been decluttering lately at our home. If you stopped by, you might think I barely have anything compared to the average American, but yet there is still stuff we don't use. I have been showing a bag of decluttering on my blog Your Organized Friend for the last week and there is more to come.

The decluttering has produced several items worth trying to sell. I'm not sure that they all will sell, but if I could get some money for most of them I would be happy. I have three items in the $40-30 range, and two items listed in the $8-10 range. I have one more item I'm washing first and hope to list it later tonight for at least $40.

I also came upon a few movies that might be worth listing, but I will need to find appropriate packaging for them first.

In other news, we had my van in for repair late last week. I had a situation where I went to pick up my daughter from school and went to start the van again and it wouldn't turn over at all. I was able to start it an hour later without a jump start. The repair shop eventually recreated the issue. It was the alternator that was bad, which then caused the battery to go out prematurely. We did get a free replacement battery as it was still under warranty. With military discounts an alternator with a three year warranty and labor cost us $530. We do have the cash to pay it for which I am thankful. I also feel much better knowing that I won't have a problem starting my van again in the future!

Recent Snowflakes

February 15th, 2017 at 04:05 am

I finally redeemed our Chase Freedom rewards. I was waiting for the statement to close. The amount is $21.39. I will take it!

The other snowflake is from our US Bank Visa. We use this card for 5% back on our cell phone bill, which currently amounts to $6.67 back each month.

I do appreciate any extra inflows each month!

Since You Are Curious

February 14th, 2017 at 02:39 pm

We bought five roses at the commissary Sunday for $5.99. They are lovely on our dining room table and we have enjoyed them.

We skipped buying each other cards. Honestly, my husband likes to buy the day before and give to me in the morning. But he forgot, so he asked if it was okay to skip it, which was fine as I didn't buy him one either.

I made my daughter a card. My husband and I both signed it and wrote nice things. I gave it too her this morning. She forgot it was even Valentine's Day! She thanked me for the card, but then as a teenager is apt to do, she honestly said it wasn't necessary.

Valentine's Day isn't really a big deal in our family. None of us feel less loved or forgotten by not partaking it what seems a bit commercial to us at times.

We are about to sit down to dinner of fish, roasted vegetables, and couscous. I did buy strawberries for dessert. Yum! Time together is the best and doesn't cost a single penny.

Enjoy your Valentine's Day, however you chose to spend it and no matter how much you spend. If you are happy with your choices that is what matters the most!

Returning Shirts & More

February 13th, 2017 at 11:24 am

My husband decided that two of the workout shirts, Nike brand, are too wide in the neck area. He wants them returned. They were each $18.75. With tax, that will net us $40.13 back in our budget. I will probably look for different shirts, preferably ones that cost half as much!

We bought a small bouquet of roses at the commissary yesterday when we were shopping for groceries. Those cost just $5.75! We also found valentine cards here at home for our girls. I'm sure my husband will still buy one for me.

We also bought five boxes of girl scout cookies. Those cost $20, but should fulfill our girl scout cookie needs for the season. I am sending one box to my daughter as a surprise.

I'm going to be doing a declutter series at [/url=http://yourorganizedfriend.blogspot.com/]Your Organized Friend[/url]. I'm decluttering one bag at a time. If you need some inspiration, stop on over!

Spending Yesterday

February 12th, 2017 at 06:36 am

Yesterday, we did a bit of needed spending. My daughter needed a new purse as her old one had a broken zipper. I had a $10 coupon at JC Penney and the purse (leather) was on sale for $33. A very good deal. Unfortunately, my husband didn't do the best with his shopping. He picked up three workout T shirts, Nike Brand, that he told me were $11 each. One rang up as $21, and the other two for $18.75 each. He did get long sleeve shirt on clearance for $8.99. He went backed and looked at the display and didn't read it right. Ugh! I'm letting him keep them as it just isn't worth the effort to fight him on it. He is not a good shopper, luckily he doesn't shop for new things too often.

I bought a 10 pack of no show socks for $11.99 at Kohl's. I had a $6 coupon (for my 6 year anniversary with my Kohl's card) so I paid just over $6 out of pocket. Now that is my kind of deal!

We shopped at Fresh Market for some ingredients to make two meals. This one was yummy! I have a ton of leftovers, too. The cost of the food, including some snacks, was nearly $39. We also bought some other vitamins, so the bill was $65 exactly.

Today we go do our regular grocery shopping trip at the commissary. I think I may buy some Girl Scout cookies, if there is a troop selling there today. Otherwise, we are staying home and will enjoy some time outside. It's going to be 82 degrees here! Spring really is coming. I'm already seeing buds on trees, and some trees already put out pink blooms! I'm sharing for those of you up north. It really is just around the corner. Hang in there!

Oh, and I heard my husband mention picking up flowers and Valentine's cards for my daughter and I. Last year, I convinced him not too. I'm not sure what to say this year. It's hard to squash someone's nice intentions!

And finally, did you look at your retirement accounts? Probably at an all time high once again. It is nice to see!

What I Don't Buy

February 10th, 2017 at 08:07 am

I like to revisit this topic once in awhile for new readers (and us oldies, too). Down below is a list of things many people buy that I don't as a more frugal spender. Now, of course, the list is not all inclusive as it is hard to remember things I don't buy since I don't think about them at all. I was inspired to write this post after watching a lot of decluttering videos on YouTube. It was interesting to see what people had purchased that they were decluttering. Many items were things I don't even own, or now no longer own as I don't buy them.

Scented candles
I noticed that a lot of people buy these in multiples and then never use them fully. If I buy a candle I use it all up before I would buy another.

Nail Polish
I own two bottles of nail polish. Both are almost gone, but I've been using these on my toes in the summer for quite a few years.

Make-up
I have basic foundation, one lipstick, one palette of eye shadow, one eye liner, and powder. That is it! Very simple when I use makeup which is probably less than ten times a year. I read about what is in makeup and decided I didn't like putting it on my face everyday!

Magazines
I have had a few subscriptions in the past, but over time realized I wasn't getting any satisfaction reading them. Saves me time and money.

Books
I use the library!

Jewelry
I'm simple. I own one pair of earnings, a pearl necklace, and probably four rings, although I only wear my wedding ring daily.

Newspapers
Got of of the subscription habit of newspapers when we moved the last time.

Scented Lotions
Same reason I don't wear makeup, too many chemicals. I'm lucky that I don't have very dry skin. I do have some chemical free lotions, but I take forever to use them!

Valentine/St Patrick's Day/Easter/July 4th/Thanksgiving decor
I've come to see these items put out in stores as just a way to part me from our hard earned money. I only decorate for Christmas and rarely buy new items.

Appliances and kitchen tools for only one purpose
My waffle maker, coffee maker, toaster are exceptions. However, have you noticed all the new gadgets for kitchens that come out when a simple tool, like a knife, could do the same thing!

Multiples of anything (such as excess sheets, blankets, towels, scissors, pens) particularly those that don't get used up quickly.
We have one set of sheets per bed. We have two towels per person, plus a set for guests. We buy what we need, nothing more.

Stickers
This was one I saw many people decluttering. This is one that people probably accumulate because they are inexpensive or cute, but then they don't use them up!

Containers
I avoid buying baskets and bins. I have some obviously, but I'm not of the mindset that I have to go buy a container to be organized. I've let go of so much in the last few years, that I have bins I could probably let go of!

Phone cases and Purses
Why buy more than one, when one will do? I have a simple black purse that goes with everything. And if it doesn't? Who cares!

The newest electronics
I still have an iPod Nano from 2006!

Collectibles and knick knacks
I don't collect anything. I don't get the satisfaction at all from this kind of accumulation. And it costs so much money. And I dislike dusting around these kinds of things!!

Clothes
I do buy them, but very rarely. I purchased one new shirt during the fall/winter time period. I wear things until they are clearly out of style or have worn out. I only buy what I need. I own two pairs of jeans for example.

Pajamas
I simple wear a T shirt and workout type pants to bed. I don't need specific clothes for sleeping in.

Lingerie
I stick to the basics with bra and underwear. And I only own three bras.

Movies
These are expensive too and add up! We love movies, so we do watch some of them over again. However, we only buy two to three per year...not every new release.

Alcohol when I eat out
I'm usually the driver as my husband does get alcohol at restaurants. I can't stand the expense!

Disposable products
I avoid paper plates, cups, silverware, wipes, dryer sheets, napkins, Keurig cups. We use paper towels, tissues, toilet paper, Swiffer cloths (have used flannel well in the past), coffee filters. I reuse plastic bags (unless they had a meat product in them) and my daughter has reusable sandwich bags for her lunch.

Gift bags
We been given more gifts in bags and have accumulated plenty to use for the future. I've also been know to wrap a gift in simple color tissue paper, as it is not too costly.

Greeting cards
I do send some, but I send fewer and fewer every year. The cost adds up as does the cost of stamps. I also then spend less time shopping and running out for a card.

Stamps to pay a bill
I now use Bill Pay with my bank to send checks, including our rent check. Most other bills are paid directly with the provider, usually by credit card.

Subscription boxes
I can't even think of the name of some of these subscriptions, but they are like Fruit of the Month club for makeup and organic products.

Traditional Phone Line
We use Ooma to save money. We may opt out entirely at some point in the near future.

Excessive Data Plans
I know compared to some of you we spend more on our cell phones as we use Verizon. The four of us share 3GB of data. My neighbor mentioned that three of them in her family share 10GB of data! I wonder if they have tried to conserve at all?

Excessive Cable Channels
We only have basic to have any signal at all. I did like when we had an over the air antenna at our last house. The cost was just the initial investment. I wonder if we need it at all. We rarely watch any tv.

High end brand name clothing
Do people not realize they are paying for the brand name? I know some brands are worth the investment as the quality is good, but most are just fashion statements...declaring to the world that you overpaid for your clothes!

Gym membership
We have a treadmill and a few basic weights and bands. In the past we did have a membership and did use the gym!

Extended warranties
We nearly always turn these down. They simply add to the cost of what you are buying. It would be better to save the money and set aside if the item ever needs repair. So many things don't break! We did have a warranty on one computer and the screen broke, that warranty did pay for that. Years later something similar happened with a broken screen and I bought a new screen and installed it myself for under $50.

Trendy shoes
I may have already mentioned I don't follow many fashion trends. I try to stick with basic or classic looks. I also don't have a need for lots of shoes.

Cookbooks (remember no books!)
I only own one cookbook. I find all other recipes online for free.

Vacation souvenirs
I limit these. I find pictures of family on vacation are the best souvenir.

New school supplies every year
We reuse markers, backpacks, rulers, pens, calculators, lunch boxes. We restock the items that get used up or worn out like binders and paper.

Coffee Mugs
I have a set of eight and I don't see a need for ones that have other graphics or new designs. Just let go of two snowman ones that my daughters used to drink hot chocolate out of.

Stationary
I think thank you notes are nice to send. And I'm not against writing real letters. But the truth is, I tend to email or call someone. I was seeing hoards of journals, notepads, sticky notes that some of these people were getting rid of. We still have more than we need in our home that the girls accumulated when they were younger.

Organizers
I only buy an organizer if it solves a very specific problem that cannot be solved in another way. In fact, at the moment I can't think of any specific organizers that would qualify that reside in my home. I mainly have bins, large and small. Some baskets. But my first instinct is not to buy new containers.

Bleach and other toxic cleaners
Air fresheners (plug ins and sprays)
Most of these items are just too strong to use in our home. And they are not safe to breath in.

Specialty trays and serving platters
Holiday kitchen linens
My basic placements work year round in our home. I don't buy aprons for each season, napkins for each holiday or even serving pieces when our basic china will do.

I suppose I really could go on and on with what I don't buy. I just thought of craft items. I do sew, but I only buy fabric for specific projects and if I have leftover, I use it for other smaller projects.

What things do you avoid buying? Think of all the money we save and time acquiring those things. I'm overwhelmed thinking about if I had to start buying the things I listed!

Fourth Semester Tuition & Housing Paid in Full

February 9th, 2017 at 12:07 pm

I just made the electronic payment from our checking account for the full spring tuition and housing bill. I admit it was a little hard to click the submit button!

The full amount was $10,426.56. Of that amount, $4,662.65 was for spring room and board. That includes a discount ($353) for being a second year student. Books and supplies were $267. The rest was tuition for classes after her scholarships. She is taking 17 credits this semester, so that bumps up a bill pretty fast compared to a 12 credit hour semester.

I've been really focused on getting this bill paid. I do need to consider how much two online classes this summer might cost and figure how we might pay for those. I think those classes may be the last ones we would pay in full out of pocket before we start using the Post 911/GI Bill.

I do feel blessed that we are able to provide a college education for our daughter. And to do it without loans thus far is a bonus. I know she is grateful as well.

A Settlement Check in the Mail

February 6th, 2017 at 01:59 pm

I love checks in the mail. They are rare as we do so much banking online. The check I received was from a class action settlement on a hair product I once used to use. The check was for $7.97!

My daughter's checks for her checking account arrived today. She is going to write me a check for $9. Long story on the amount, but she does owe me.

Guess what that all means? I found the final $10 to pay tuition in full sometime before Friday. Yippee!!

In other news, turns out our treadmill put a quarter size hole in the carpet of the room we have it in. Boo. We have since bought a treadmill mat that will arrive from Amazon tomorrow to prevent future damage. And at some point we will have to settle up regarding that damage with the owners of the property.

Anyone use Witch Hazel? My daughter uses it daily on her face and is a huge fan. She was recently out so I went to buy more at iHerb and found it is on clearance for $2. I bought ten bottles!

$38 From Travel

February 3rd, 2017 at 01:46 pm

My husband submitted his travel voucher today. He is getting $270.50 for per diem. I totaled up the transactions he charged to our card and the cash he took out for the trip. The total was $232.22. That means a profit of $38.28!

Remember, in my last post that I was short $48 for tuition. The goal has been to cashflow and avoid savings, so I'm that much closer to making it happen. Tuition is due next Friday, and now I'm less than $10 away.

My neighbor found baby portobello mushrooms on sale at Fresh Market this week for $0.50 and offered me a package. I think these might be yummy stuffed on Sunday for the Super Bowl.

I've found several things in the last week or so for donation. Enough to fill two basic grocery bags. I think I may start counting how many bags I fill this year.

Ima Saver We Miss You

February 2nd, 2017 at 08:32 am

This post is for you Ima! We noticed you are no longer active on Saving Advice and we miss you. We are concerned about you.
Please post, or have someone who knows you post, so we can know how you are.

Here is my first inquiry earlier this year about you.

Would others please comment on this post when you see it? Please offer well wishes to Ima Saver (Julie). The goal is to get this post in the most talked about entries each month, so Julie will see it when she does visit here again.

Interest, Tuition Funding & More

February 1st, 2017 at 05:51 am

We earned $79.08 in interest during the month of January. I hope to see that bump up a little now that more ($15K) of our money is invested at 2%.

I withdrew $4,750 from our daughter's Educational Savings account. That money will be used to cover most of her housing costs for the semester. She has $4839 left in her account. This is in a interest bearing account, so she is earning a little money on it each month.

Since it is officially payday today, I can say that I initially allocated $814 towards tuition. But I also didn't fund all of our usual everyday spending categories in YNAB specifically clothing and entertainment. That means I have another $100 to add to the tuition pot, and finally I decided that the electric bill (that really big one of $315) can actually be paid on our next paycheck on February 15. With those funds, funds saved from last few paychecks, the money from the ESA, and our tax refund, I am now only short $205.31!!

But as I'm writing this I'm also realizing that the books I bought my daughter for school have been allocated to that tuition category in YNAB. They were charged to my American Express card which I currently have 0% interest offer on. Therefore, I don't need to pay that off this pay period. That gives us another $153. Now I'm only short $48!!

I did realize that with my husband's travel reimbursement we might make a little money. It depends on how much he spends on food over what the per diem is. I think he will submit his request for reimbursement on Friday, and it should get paid within a week, maybe in time to pay the tuition bill! This would be a little less out of our savings that we would need to pay back.

I'm feeling much better about this huge tuition bill! I think I can likely shave $48 off our spending with some careful planning over the next 10 days.

I took our younger daughter back to Walmart yesterday to get more school supplies. ANOTHER binder, a 3 subject notebook, and dividers were required. We also bought a 4 pack of AAA batteries and a package of glue sticks to donate to two teachers. That was another $22. Why are office supplies so expensive? The 3 subject notebook was $4.24! The teacher did say they could use three regular notebooks, but my daughter did prefer the combined version for the easy of carrying around. I'm not going to make her sacrifice for a couple dollars.

Continuing Frugal

January 31st, 2017 at 08:42 am

I think we are continuing our version of frugal through mid February. That is when tuition is due, so I want to keep the spending to a minimum. My husband and I discussed greatly reducing our alcohol intake primarily for health reasons, but that would be very good on our budget. I will let you know how that works out.

I just ate leftover mushroom barley soup for lunch today. I pulled that out from the freezer. It was probably two servings, but I ate them both! So yummy and really not very caloric. I think I may be having soup all week, as I have a can of soup in the pantry and another soup in the freezer (Moroccan Lentil).

I will need to grocery shop today. I need apples and crackers for my daughter's lunch tomorrow. I made a list of other items to cover the rest of the week. I will buy today, but count the purchase as a February expense.

I checked our bank accounts this morning. The tax refund and my husband's paycheck are both pending for deposit tomorrow! I plan to redeem shares from my daughter's Educational Savings account tomorrow to cover a portion of the tuition bill. At this point we appear to be about $600 short of what we need. As I have said all along, I will use our regular savings to cover the shortfall and pay ourselves back. No loans for her or us this semester is the plan, and I'm sticking to it!

Oh, I saw this on the SA forum this morning. It's under freebies, but it is more about spreading kindness and love. Check it out if you are interested!

School Supplies & More

January 30th, 2017 at 01:58 pm

Today's big spending was on a binder for school. The cost of it was $7.21 with tax at Walmart. It wasn't the cheapest option. She chose one that she know will hold up for the semester. She is a bit hard on them!

My daughter's new debit card for her checking account arrived today. We have now activated it. She also deposited her two checks received at Christmas into her new account, using our mobile app. We also ordered checks. Luckily they just send 40 at a time now. I wonder how long it may take for her to use those up! The checks are free through our bank.

I ate leftover fried rice with tofu for lunch. I think I cooked the tofu just fine. I did use turmeric to color it, so it did remind me of having eggs in it. My daughter decided she didn't like the different texture of tofu with the rice though. Lucky for her we are just having pasta and broccoli for dinner which she does like.

We did go to the store last night and picked up several items, primarily cereal and milk. And two snacks. I think there was something else too. We spent about $14.

Oh, and I had to buy fuel for my van! I was literally on empty when we went to the grocery store. I only filled it up halfway primarily because the pump was VERY slow. I spent $20.02.

Isn't it hard to believe January is about over?

More Credit Card Rewards

January 29th, 2017 at 07:52 am

I redeemed $12 from our USAA Visa rewards. That money will be deposited in our checking account on Monday. I have designated those funds toward tuition, of course!

I plan to redeem rewards from our Chase Freedom account, but not until after the next statement closes which is on February 12. I will have already paid tuition at that point, but the rewards will help start building back up some of the savings accounts we have designated on YNAB. The thing I don't like about Chase Freedom rewards is that you can only redeem in full after you have earned $20. I currently have $21+ I can redeem. However, I expect with this next statement to have another $2. So I will wait and have that money added to the current balance and redeem in full, rather than have $2 I don't have access to if I redeemed now. We are going to stop using the Chase Freedom card for awhile, so there will not be any rewards accumulating in the near future.

We went to Panera for dinner last night. We spent $33.20. The movie tickets cost us $22.47. We enjoyed the movie, the meal and time spent with our daughter. After that spending our everyday funds account is down to $198. My husband needs to take $100 out for a work trip (reimbursed later) this week. So that leaves $98 for the next three days. I may need fuel, but I think we can get by with food on hand until payday on Wednesday.

The only spending that could come up is any school supplies my daughter might need to start the new semester. One teacher has already requested students bring ruler, calculator, spiral notebook and colored pencils. And I'm 99% sure we have all of those.

I think I'm going to keep myself busy the next couple days doing some cleaning around our house. That shouldn't cost me anything!

Refund Arrives Wednesday

January 28th, 2017 at 08:55 am

Our tax refund is scheduled to arrive in our bank account on Wednesday, February 1. I submitted them on Sunday, January 22. That is a pretty fast turn around! That $1497 refund is going straight to pay the tuition bill, which has been my plan all along.

I forgot to mention that I redeemed our Discover Rewards and had them deposited in our bank account this week. A whopping $3.37. I seem to earn the least amount of rewards from this card. We don't use it much, so I think I'm going to close it in my desire to keep things a bit simpler.

We are going to a matinee movie today. We are going to see Moana, which our daughter is interested in. We will pay $6 per person for admission. Afterwards we may stop for a quick dinner as our celebration of the first semester ending. It may just be Subway. I do have coupons there that expire tomorrow.

Tomorrow we will probably have fried rice for dinner. With tofu, which I have not made in years. Any advice for using it with fried rice? Do I just drain, cube it and add in?

Used The Rice

January 27th, 2017 at 07:18 pm

I used up the arborio rice this evening when I made mushroom risotto. I also used up the white cooking wine. Bonus!

I stopped at Walmart, after finally dropping off library books, and picked up the fresh parmesan cheese for the risotto. That was my only spending today. My husband picked up his usual Friday alcohol, although he did buy one less bottle. So that helped save another $10.

It's not particularly frugal but we may go out to dinner tomorrow night. Our daughter finished her first semester of her junior year this week, and it feels like our first free weekend where she has zero homework. We want to get out and celebrate!! I'm guessing she will chose something simple so it won't get too out of hand with the spending.

Payday is on Wednesday. We have $254. I'd be thrilled with at least half of that to apply towards tuition due February 12.

$20 Snowflake

January 26th, 2017 at 02:41 pm

I was surprised today to see a $20 credit on our credit card from Ooma. I thought I was going to get that last month, but when I didn't see it I figured the referral didn't pan out. But it did! That snowflake is going towards tuition.

I spent $6 on a soda, two avocados and chicken broth. I was going to make a mushroom risotto tonight, until I realized I didn't buy the parmesan cheese for it! To avoid another trip to the store today, I decided to just make fish and stuffed portobello mushrooms for dinner. And of course, we still have a lot of salad to eat as well.

I did some more sewing today, just because it made me happy. I'm focusing on feeling good rather than feeling bad. Part of that means doing things I like and avoiding the news and Facebook that make me feel bad. I've seen far too many people thinking their point of view is the only way to think, which leads me to see them as uncaring and unkind. That isn't how I want to think!! So avoidance is best at this point. I think all people have the ability to be kind, compassionate, forgiving, accepting and patient. And I'm going to focus on that as much as I can in the coming weeks and months.

Rising Stock Market Plus More

January 25th, 2017 at 04:40 pm

The stock market is up today! The Dow Jones Industrial Average even closed above 20K points for the first time ever. I checked out retirement accounts and today alone our balances rose $3,318! And we are up $12,981 since the beginning of January.

I am able to see my husband's LES (pay stub) for next week's pay. The change for withholding was made, but they don't seem to be showing the 1% increase to his TSP. This means his check was slightly inflated. It shows online that the payment is processing, so I guess I didn't meet the deadline to make that change for this month. Oh well, it will all work out.

I input my husband's net pay into YNAB. I figured out that I can add at least $815 from that check to apply towards tuition. I may pay our high electric bill AFTER the 15th of February, so I can apply the cash I set aside for it to tuition. Again, I'm trying to avoid taking any cash from savings, so it really is about cash flow and adjusting when I make some payments.

I spent $7.32 today on two things at Walmart and postage to mail two packages. I'm watching my fuel tank to see if I can't wait until Tuesday to fill up. That may be pushing it, but I will try.

Dinner was breakfast foods. I made pancakes for our daughter and I. My husband came home later than usual, so he made himself some eggs. Tomorrow we will finally use up the arborio rice when I make a mushroom risotto.

Soup, Sewing & Southwest

January 24th, 2017 at 06:30 pm

I ate soup two times today. That one is now gone. I have two other kinds in the freezer, which we will likely eat later this week. It feels like we are doing pretty good with the food overall.

I did my sewing today. I made two keychains and four little tissue covers. I put links to the instructions I used, if you are interested. I've made the key chains before. The tissue covers were new for me to sew, but they are super easy!

I heard from Southwest Airlines that they will refund the Early Bird fee I paid. This was for a flight that they cancelled when my daughter was trying to get back to school. That is $15 back in my pocket. I also read that Southwest Rapids Rewards program is changing a policy about transferring hotel loyalty rewards to their program AND allowing it to count for the Companion Pass. They have extended the grace period so they can count until March 31, 2017. We have started using our Southwest card again and are hoping to rack up enough qualifying points to make this possible. We have Marriott Rewards that could make this happen much easier. Now that I know the deadline, I may consider moving some of the rewards to help make this happen. Here is the post on Southwest's website.

I was tempted to run out for a couple things today, but decided they could wait. I will need to go to the post office tomorrow or Thursday to mail the gifts. I will pick up those few items at that time, thus saving some gas and time!

Although, I'm remembering I did spend some money today. I ordered an item for my daughter for her birthday in March. She gave the hint last week, and the item could run out...maybe. I decided since I had money in the birthday account to just get it done!

I also opened up a Youth Checking account for our youngest daughter today. I had to put in a $25 minimum deposit. I figure my daughter can write me a check to pay me back as a good way to start understanding check writing. I think she probably already knows, just hasn't actually done it herself.


Soup from the Freezer

January 23rd, 2017 at 06:46 pm

I thawed soup from the freezer for dinner tonight. I may have thawed a bit too much, but I will eat it for lunch the next few days. Tomorrow night we will have pasta with salad. Actually, I might have soup with salad, and just make the pasta for DH and my daughter.

My sister and mother's birthday's are fast approaching. My sister and I have an agreement not to exchange these last couple years. However, I'm thinking I may sew them each something. I noticed one of the lanyards I made for my sister was looking quite worn last time I saw her. I feel pretty confident I have fabric on hand that will work. Cost will simply be mailing the package, less than $3 each is my guess.

I sold some Box Tops on eBay! My net profit is $11.37. Actually a bit less, since I did put a stamp on the envelope. I'm also redeeming 300 points with Pinecone. That $3 should arrive in my PayPal account tomorrow. And finally, I have enough SB to redeem for a $5 Amazon gift card. I may just keep accumulating and go for a $25 Paypal cash, it depends if I find something on Amazon I need. Smile

Our tax returns were accepted. I'm going to log in tomorrow to see if the IRS indicates a date to except our refund. I know the site currently indicates 21 days or less.



Taxes Filed & More

January 22nd, 2017 at 07:25 pm

I went ahead and filed our taxes. All of our tax forms arrived. We take the standard deduction, since we no longer own a home. This was probably one of the easiest tax filing years ever, honestly. We are getting a $1497 refund. All of which will go towards the tuition bill due February 12. And as I said in my last post, I did adjust withholding to avoid the big refund next year.

We went grocery shopping today. I honestly didn't use any coupons at the commissary, however I spent $102, which did include several wants. Overall, this is a very decent grocery bill for us. I did inquire about the items that we paid for last week, but were left behind. I had my receipt and they had recorded the items I left. I was simply told to go get the items and they would sack them up. It was almost too simple! At least $10+ worth of stuff was not lost.

The week after next my husband will be gone for about four or five days. I'm going to consider skipping my regular grocery shop and see if I can't get my daughter and I through that week without buying much at all. If I can do that I just might be able to save the $83 left in the grocery budget.

My husband was going to get a haircut today as he primarily needed his neck trimmed. He did mention that we should buy a new trimmer as we have been without one for awhile. He even pointed out the trimmer might cost the same amount as one haircut! Well, the one we bought was $24, and his haircut is usually $13. So one more trim and we will have made the purchase worthwhile. We also talked about cutting his hair at home. We did try that at one time, and I now can't remember why we didn't keep it up!

We have $323 left in our Everyday Expenses category for the rest of the month, just nine days. I feel pretty good that we can keep more than half, maybe even $200 of this money to send in towards tuition.

We were notified by my daughter's flute teacher that she needs to take the next four weeks off from teaching as she has a gig at the community playhouse. We do have the option of another teacher, but my daughter who has been packing in two AP courses in one semester (finals are this week, exam in May) just would like a break. This is going to save me $100! More money I can apply to tuition!!



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