If memory and my notes serve me correctly, we started 2015 with $700 in debt on our Wells Fargo American Express card. It is at 0% interest, but we need to pay it off soon so we can cancel the card and not be charged a hefty annual fee.
I have been making payments all year on the card. With a payment of $109.52 which is all snowflakes/found money(primarily from eBay sales), we know owe just $185.29.
I'll be honest this is getting a bit tedious for me. I may just pay it off next week. I do have some more auctions that could net some more cash, so I will likely wait until after that.
Is it bad to say I'd like to find another $150 to charge to the card before we cancel? I think that amount would get me to the threshold with points to redeem $25. I guess I should start using it for purchases in the next two or three weeks. I'm sure I will have expenses that will add up to that. I already tried looking at our utilities but none of them accept American Express for payment.
That's the status! At least the amount owed is going down. I am looking forward to one less card soon.
Viewing the 'Sales, Surveys, Rebates' Category
If memory and my notes serve me correctly, we started 2015 with $700 in debt on our Wells Fargo American Express card. It is at 0% interest, but we need to pay it off soon so we can cancel the card and not be charged a hefty annual fee.
I have more eBay sales in the works. One item sold this afternoon and two that currently have bids will end on Sunday. There could be more. I have my fingers crossed that is the case.
I will likely relist any that didn't sell this go around. At a lower price of course! I'm also going to look in my stash of items to see if there are another couple that I could get listed on Sunday. If memory serves me correct, I may have two.
All sales money is going to pay off the Wells Fargo credit card. I was able to make a payment from one of my accounts to the card for about $78. I want to make another payment, but found out I can only make 5 payments in one calendar month, so I'm waiting a bit longer (after the eBay sales end) to make another payment. My current balance on the card is $294.81. I'm getting there!
My husband made it to our new hometown late yesterday. He is on the east coast and made it ahead of all the storm stuff brewing out there! I feel less stressed now that he is there safely. He is now MORE stressed that he is there because of needing to acclimate to new surroundings and people. We will survive.
I haven't checked on his expenses yet. It was one night in a hotel, gas and food. I know he took cash out in case of tolls also. The good news on those expenses they will get reimbursed. Hopefully quickly!!
I had lunch with another soldiers wife yesterday. Spent nearly $20 on lunch and tip, but we hung out at the restaurant for nearly 3 hours! I always love a nice social lunch.
I have an eBay buyer wanting to return an items. They weren't the size she thought they were. It's not clothing and I don't think I had measurements on the listing, but she didn't ask before buying either. I have offered to take them back, she pays shipping and I refund purchase price only. Personally, she would be ahead to try to list them herself for sale. If she returns them to me at her expense, she is out nearly $20 in shipping! And she only paid $11 for the item. We will see what she does!
How is the weather on the east coast for those of you that way? Are you expecting any reimbursements? Have you returned a purchase to an eBay seller before?
I had another eBay sale last night, which I promptly shipped today. There seem to be quite a few people watching items I have listed. I hope more sell over the weekend so I can ship on Monday! I have at least one item maybe more I need to list this weekend as well.
It's payday, but our day has been busy. I hope to get all bills paid tomorrow and pay down more on our credit card debt.
Have a great weekend!!
I listed four items for sale on eBay on Sunday, and then yesterday proceeded to add another 13 items. And as of last night, I sold two items. Gross proceeds were just over $68!
My husband got a speeding ticket yesterday. I had even said, "don't speed" before he left! Ugh. He got impatient with someone going below the speed limit. He went around, but way faster than the speed limit. The ticket is $114.
So I guess some of the sales will help pay off the ticket in addition to the credit cards we are working on (which are at 0% interest). And I just sold another item while writing this email, so make that $76 in sales!
I'm just excited to finally get some of these items listed. I have more, but need to find some big boxes to put them in! I'll check the free boxes at the post office today when I mail the sold packages.
Have you ever had a speeding ticket? Are you selling anything right now?
I earned enough Swagbucks to redeem for $25 in Paypal cash, and it arrived today in my Paypal account. I have already requested transfer to my bank account. This money will go to pay off the Propel Amex card we have a balance on. (No interest is accruing!)
I listed four items on eBay last night and expect to keep adding items everyday this week. Any sales will be considered snowflakes and will help reduce that credit card balance listed above.
I don't plan on opening any credit cards for bonuses until after our move, or at least until we have housing secure. This will likely keep my snowflake progress lower than in the past. At least for the first half of the year. I may also stop working on Swagbucks for a little while,since I have a lot of things to work on getting ready for our move.
Where are most of your snowflakes/found money coming from this month?
We sold our old refrigerator last night. I posted it on Craigslist at 3pm and by 6:30pm it had been picked up. They paid $100 for a very nice 10 year old fridge. They even commented how nice it was. And it was...it just didn't match the house that we will be selling soon. It does look much better. I really glad we didn't have them haul it away for recycling. It will still get some use and we have $100!
I see that two people have already used my referral code to Ooma. This means I have $40 coming my way in about six weeks. The deadline for the current $89.99 offer is on Friday, January 30, if you are thinking of switching from a traditional land line.
I'm working with the Pinecone Rewards program to figure out the problem with cashing out my 300 points for $3. I sent them a screen shot of what options I'm seeing after then had me try clearing my browser history. I even changed browsers as another option. We will see what happens!
In moving news, we are still waiting on orders. We really can't move forward on anything until that part is finalized.
Have you sold an appliance before? Did it sell fast like mine?
I have accumulated another $64.73 in snowflakes (extra money). And I made sure to get them sent off to a credit (0% interest) card so our debt will go down.
We have two credit cards that we are running balances on. I'm stubborn about not wanting to use our savings I guess. I have the money to pay them in full. It is just nice to have 0% interest and not have to dip in to other cash.
I sent the above snowflakes to our Wells Fargo Amex. It had a $700 balance. With the payment deducted, we owe $635.27. Less debt! And paid with snowflakes!!
The other credit card we have a balance on is our Citi Thank You Preferred. It has a balance of $661.27.
I plan to pay off the Wells Fargo Amex first so that we can close it. It also has a hefty annual fee after the first year, so we don't want to be hit with that!
While I was checking balances I decide to redeem 2,500 Citi Thank You points for a $25 Panera gift card. I figure it is good for a family lunch or night out. I will match debt reduction or savings when we use it.
Have you redeemed any credit card rewards this month? Did you pay off some debt, or accumulated any snowflakes?
This post is about both kinds of snowflakes, the found money variety and the frozen variety. It just began snowing here this afternoon. We are expecting at least six inches and it will come down fast. School decided it was worth dismissing early on their first day back from break. With the amount of snow and expected drop in temperatures, I'm not sure they will have school tomorrow or even Wednesday. But right now I just need my husband to get home safe!
I sold an item on eBay last night. My proceeds were just a little over $20. I did get it into the mail earlier today. I relisted three others that didn't sell. I usually relist a few times, sometimes adjusting prices, and if they don't sell they get donated. I don't want to hold on to everything!
I redeemed Bing Rewards for 500 Swagbucks, which I received right away. I was also able to redeem Swagbucks for $25 PayPal cash this weekend. It arrived really fast last time, but it isn't here yet.
Are you getting any snowflakes, of either variety?
I made two sales yesterday! One was for a book I listed on Half.com back in August. I made $1.19. The other was an item I had listed on eBay. I think the profit on that is just under $30.
That money will go to the mortgage of course. I realized an extra payment I made to the mortgage didn't get applied correctly, well it didn't get applied at all! I must not have checked the principal box. I sent an email to have it corrected.
I hope to get at least two items listed on eBay today. I want more cash to put toward the final mortgage goal!
Have you sold anything recently? Do you have plans to sell anything before the end of the year?
I sent $27.32 to the mortgage today to pay down some more principal. I do all my extra mortgage payments online by the way. So easy!The money was profit from that latest eBay sale and a Pinecone survey check. I love extra funds!!
I also sent $40 to savings that would normally be spent on flute lessons, since they are not having a lesson next week. I'm paying us back for the new purchases of tires and a flute.
I did spend money today, but only on groceries. About $48 at Super Target. I made sure to buy $50 worth so I could use the coupon to receive a $10 gift card. My total was less because I used their Cartwheel app, and my Red Card. I bought items for dinners through next week and a few things I need to take for Thanksgiving. I still have a few more things to purchase, so I will go back again tomorrow and see if I can reach $50 again and use coupon I had sent to my phone. That will mean another $10 gift card! I will likely use the gift cards for other holiday expenses, either a gift or food.
I also sent a $300 check with my daughter to make a payment towards her spring band trip. I took the money from the 52 Week Savings Challenge funds I have accumulated. It seems I will have an extra $300 saved. I expect to use that to pay ourselves back for those tires and flute as well. I will get that squared up before the end of the year.
I can't say much about it since it isn't a done deal, but a job possibility for my husband is in the works. It does require a move and he would likely move ahead of us relatively soon if he is chosen. As always is the case with these military moves, I have mixed feelings.
That's the news from here. Getting so close to meeting that mortgage goal for the year!! Did you spend money today, or pay off debt?
I sold an item on eBay and made a profit of $24.32! Once I have the money in hand I will send it in (to the mortgage of course) with the recent Pinecone Survey payment I received.
I ordered Senior Pictures today for my daughter. I was happy I didn't need to put down another deposit. I simply need to pay when they are ready for pick up, which is in about eight weeks. That will give me a little time to stash some cash away!
I bought another gift for Christmas. A pair of socks! It is a bit of a tradition among some of us to give socks to one another. And we really look forward to it. These were $7.99 at Kohl's. I used my $5 coupon and 30% off coupon. I only spent $2.24!
Did you score a deal recently, or find any snowflake money for your goal?
I feel a bit better today than yesterday energy wise. I still have a lot of sinus pressure, but warm drinks do help!
I had enough energy to get to the grocery store. I spent $130 for the week. I do have to make a small run to another store tomorrow for a few things on sale.
I helped my daughter box up some of her artwork that she is donating to an organization that will use the art as a perk for donating. In the process, I came across a piece of art that I know one of our nephews was very interested in back in June. He's now getting that for Christmas! It's perfect. My daughter is happy about it too.
I also decided we would give two of our snow toys (block form and snowball thrower) to our nieces and nephew who are getting the state park permit. The gift will cost me nothing, but they would probably get use out of them. I will check with their mom first. If she doesn't think they want them, I have another person I think would.
I listed two items on eBay. Hope for quick sales!!
I hope you are all healthy! Wash your hands and cover your mouth when you sneeze.
The $250 Citi Thank You reward check was applied to our mortgage late last week! Today, I also sent in another $18 in extra funds (snowflakes) to reduce the balance even further. That money was from one Pinecone Survey check and three $5 Target gift cards.
The mortgage balance is now $X16,512.76. This means just $1,512.76 left to pay down before the end of the year to meet our goal. We are right on track or even ahead of schedule.
Once we meet the actual goal amount, I will stop sending snowflakes to the mortgage. I will need to use these to offset some big purchases of late, primarily car maintenance. And there's that flute we still need to purchase. We have also been buying some new uniform items for my husband due to his promotion. Just last night I ordered a new service cap to go with his ASU (dress uniform) to the tune of $105! This stuff adds up, so I need to get some of this cash back into the bank.
I have a bid on one item on eBay, so another small snowflake will arrive before the end of the month, although I may count it towards November. I also redeemed MyPoints for a Panera Bread gift card. If I use that for an outing with friends, I will match it with mortgage funds.
If you have the Discover card, remember that online purchases for the quarter earn 5% cash back. I luckily remembered this when I ordered the service cap and some vitamins online yesterday?
What is your most recent snowflake? Are you using a cash back card for your online purchases? Are you nearing a goal you made at the beginning of the year
I've got a new post at Your Organized Friend, with a little more decluttering I got done yesterday.
The flute refund now shows on our Amex credit card, so that is a relief that it all worked out. I didn't get a refund of shipping of course, but that I do understand.
I can finally see my husband's pay stub for the month of October. It all looks correct for the pay adjustment for the Sept 1 promotion. I look forward to seeing the one in November, as that will be even more clear!
I have a bid on an item that I listed yesterday on eBay. I actually hope it sells for a little more than the starting bid. The last one like it I sold did, but you never know with this item.
I received a $3 Pinecone payment.
See? All good news! What is your good news for today?
I just signed up and learned of a new community where you can get free samples to try and then review them. It's called Smiley360. I don't know a lot about it yet. Anyone heard of it? Once I get a mission and know more I will be sure to check back in and let you all know about it.
I also discovered ePantry. I'm not yet sure this is the direction I want to go with my purchases, but it seems interesting if you are really into purchasing sustainable products. And shipping is just $2.99!
It's interesting to see and hear about new companies and ways of doing business! Have you heard of any new business or website lately that you want to share?
I finally decided to redeem the $200 bonus from the Citi Thank You card. For awhile, I was thinking of redeeming the reward for a Lowe's gift card so we could put it towards the purchase of a fridge. That is on hold for now.
I ended up redeeming the bonus plus other points for a $250 check made out to our mortgage company. I would guess I will have it in a week. It came really fast last time. Once I have it, I will send it to Wells Fargo to reduce the principal on our mortgage balance! That was the whole point of getting the bonus anyway, so I'm pleased with making that happen.
I made an extra payment full of various snowflakes (extra money) today in the amount of $82.28. Less debt, we know I like that! It really is amazing how small amounts of money here and there add up.
In other news, the flute we purchased is being returned. It is actually in really great shape and easily worth the money we paid. Except, the embouchure isn't the right size for my daughter. She has a hard time blowing air through it. I thought since it was the same model my oldest daughter has it would work...but my younger daughter has different lips and it doesn't work for her! Our lesson teacher advised it be returned, so I'm in the works with that since I bought it on eBay. We will now buy local and give her lots of options to test out for the right fit. Luckily, she wasn't too disappointed by it all.
I am waiting for the seller to respond, and I'm slightly concerned they will deny a refund. The seller has a 100% feedback score, but seems to have something about 72 hours to request refund...and today is 72 hours. Of course, then there is another place on their site that say 14 days. My plan is to return it, insurance priority, maybe with signature and hope a refund would still be provided. At that point, I think I could contact the credit card company for a refund, showing I returned the item to them. Any thoughts? I know I could also get eBay involved if needed. I probably shouldn't jump to send back to quickly. Worse case, I could actually resell it.
Have you had to return anything you purchased lately? Do you have less debt than you had yesterday?
It has been a busy weekend, primarily with band and family visiting. I don't think we really overspent. I did buy about $100 in food on Thursday, which did cover all we need. There is still food to eat. No gas was purchased. Tickets were accounted for. We took out an extra $20 cash. I think we only bought three sodas, a hot dog, and one caramel corn popcorn at the two band events. I find that pretty reasonable.
I made two eBay sales. Sales total $30.98. I'm still waiting for payment, but no rush for tonight since tomorrow is Columbus Day and there will be no mail service. I relisted one item that had ended on Friday. I dropped the price, since the item seems to get a lot of people looking but no buyers.
I will spend tomorrow working out, talking with my friend who's mom died last week, hanging with my husband on his day off. I'd like to get more done, but taking care of myself and supporting others is nothing to be taken for granted.
Forever grateful for this life. How about you?
My very good friend from high school learned yesterday that her mother died suddenly. It was likely a heart attack. She was 63. My heart just breaks for my friend and her whole family. I know they will miss her so much.
The good news is financial. My husband's pay increase and back pay since September 1 for his promotion seem to have been processed. The check next week is much much bigger than usual. Unfortunately, I won't be able to see the specifics on the pay stub for two weeks, since their is only one pay stub per month.
I also have one bid on an item I relisted. And someone is watching another item. Would love them both to sell!
I did get magazines decluttered yesterday, but no new posts have been written on Your Organized Friend. I pull three recipes from the magazines and recycled them. I still have three I'm holding on to, since they have a lot of recipes I'm interested in. The blogs I'm following for the challenge indicate the the junk drawer and car should be decluttered for today. I might just be able to get those done.
Any tips on how to support a very good friend while she processes the death of her mother? I'm hours away. I expect likely lots of talking over the next days, weeks and months to come.
I sold an item on eBay over the weekend. The net profit was $23.79. Two of the items listed didn't sell, so they have been relisted and I added another one.
I really want to be decluttering this month, but I did only get to the entry way last week. I wrote a little more about the topic and some areas I may consider on Your Organized Friend.
We are busy this month with band events and guests. It is quite enough to keep up with that, but I will do my best to dig in and find some things we no longer need. Maybe there will be more items to list on eBay!
The biggest thing I need to remind myself is that looking for things to purge only takes a few minutes each day. I'm sure I can find 10 minutes even if I have all these guests and things to get done.
In other financial news, our mortgage payment for October had $474.64 in principal reduction. Plus, we automatically send in $103.72 towards principal each month as well.
Have you sold anything recently? Do you consider October a good month to purge and declutter? I'd love to hear about any decluttering or purging you do, and even how long it took you!
My oldest kitty is 10 today! We sang Happy Birthday to her. She is clueless, but it was fun for us.
We paid $758.83 towards the principal balance on our mortgage in the month of September. This might be the least we have paid this year! I did skip a $275 payment that I have been making nearly all year. We just had a lot of expenses this month, and I need that cash. It may mean I have to make up the difference later in the year to get to my goal.
Most of the balance reduction was from our regular payment, but the snowflakes I accumulated did exceed the extra I send in to round up our payment. The break down is below:
For the year, we have paid $11,240.93 on the balance. The goal is just under $14K, specifically $13,993.00. That means we have just $2,752.07 to go to meet the goal by year end. This is an average of $917. Since the principal portion of our payment is generally $472+, the other portion has to come from extra payments and snowflakes. Prior to this month our extra payments were $378. That means I only really need $67 in snowflakes each month. I may not make as big of extra payments from income if I can get more snowflakes.
I did relist three items on Ebay yesterday. I did want to list a couple more things, but I wasn't motivated enough. It will be fun to see if I can come up with some new sources of snowflakes in the next few months.
How much debt did you pay off in September? Any amount is good in my book. Don't let my high debt pay off amounts scare you. Sending in just an extra $5 is sooo worth it, because over time it all adds up and makes a difference!
I accumulated $182.20 in extra money(or snowflakes) for the month of September. All the cash went to pay down the mortgage!
Here's where the money came from:
Also, it could have been higher if I was able to redeem some of my Southwest Rapids Rewards points. That would have been $200+. (See other posts for why I can't redeem...yet.) I also could have redeemed $200+ from our newest credit card Citi Thank You Preferred, but I'm holding off to determine if we will use this money for a new fridge.
I do have a Pinecone survey reward being transferred to my bank account and an Ooma $20 referral reward that will be counted as the first snowflakes of October.
I did make some financial moves that will generate some extra money in future months. I opened a Discover CashBack Checking account for a $50 bonus. I opened a joint US Bank Checking account for a $200 reward, as well as set up a CD at Navy Federal Credit Union which will net us 5% interest on $5,000 over then next year.
I'm happy with the snowflake progress of the past month and looking forward to those future rewards? Did you track your extra money earned this month? How much did you accumulate? Did you save it or pay down debt?
We went to see Garth Brooks in concert on Saturday in Chicago. It was fabulous!!!!
Now I'm playing catch up on everything needing to be done here at home along with paying bills since today is payday. I'm also trying to estimate my husband's travel reimbursements for a couple of recent trips. He actually worked Saturday and Sunday morning in Chicago, so our transportation, hotel and some food were covered! This made the cost of the trip far less expensive. The work part wasn't even originally planned for the date we chose to go to the concert.
I just wrote a check for $55.11 for my daughter's high school graduation cap, gown and tassel (and maybe a stole?). They get to keep everything! When I graduated, we only kept the cap and tassel. The gowns were rented and turned back in right after graduation. We are skipping the fancy announcements since she doesn't care for them. We will likely make our own...although as I write that I'm really wondering if we should just get 25 of them. Those would cost $28.75. Although, then I'm realizing those wouldn't have her name on them, and to get the name cards adds even more ($18+). Now I'm back to making our own. Since ALL of our family is out of town, we really don't expect too many of them to make the trip for the ceremony. She also isn't into the open house party thing either. So...we'll keep it simple and frugal.
I had over $31 from Chase Rewards that I redeemed and matched with an extra mortgage payment. Included in that payment was a recent purchase made with Amazon gift cards and our US Bank rewards. This all means $57.12 in snowflakes and less mortgage debt. I like that!!
I have earned more than $5 from Ibotta and should be able to cash out now. I just need to make that request. I completed a Pinecone survey last night and received credit this morning, so claimed my cash!
I went shopping for groceries today and spent under $90! It seems like forever since my bill was so low. I did try to make our meal plan using things we already had on hand. Tonight I made egg casserole because I had the milk, eggs and bread on hand. I did buy mushrooms, sausage and cheese for it. Would have been cheaper to just do eggs and toast, but I will use the extra cheddar cheese for tacos later in the week and extra sausage on our pizza. I made sure to use my Target Cartwheel app for savings, as well as a few printed coupons. I always love a successful trip at the grocery store!
Now I need a nap! It's been a tiring few days. How was your weekend? Did anyone else see Garth Brooks?
Our cell phone bill is $246. This is with Verizon. I'm sure those of you with Ting are sitting there with your mouth hanging open!!
We have been using our US Bank Cash+ card to charge our cell phone bill so that we can get 5% off each month. This month that was a discount/reward of $12.30.
Once the statement closes, I apply the reward to the statement balance and then pay the remainder. Today that meant $233.80 out of pocket.
It appears I can pick this same 5% discount on cell phone services for next quarter, too. So I'm signing up again.
Someday, I may get Ting or a similar service. But for now, I'm happy with the additional 5% discount offered by my US Bank credit card.
Saw this offer on Hip2Save today and I was able to complete it. The $5 is a credit on your Paypal account that you can use when shopping. It does not appear to be $5 that you can withdraw for cash.
Just click through the slide show and expect the credit to arrive in a week. Happy shopping! Where do you think you might spend your $5?
I found this link at Hip2Save today for new people to sign up to complete survey's with Pinecone Research. The $3 payouts add up!
If you don't meet the requirements, you may not be offered membership. But it doesn't hurt to try? All completely free.
What do you do with your Pinecone survey money?
Okay be prepared for lots of links...none that you are required to click on. I got wind of a deal on furnace filters today fro Hip2Save.
The deal is here at Home Depot to purchase a 12 pack of furnace filters for as low as $1.58 per filter shipped free. It turns out I'm in need of filters later this month.
I worked the deal a little harder to squeeze a little more savings off. I picked a 12 pack that would fit my furnace and was priced at $19.06 before taxes. With tax the total price was $20.20.
I went looking for discounted Home Depot electronic gifts cards (that I could use online) and came upon a gift card worth $16.17, but discounted more than 9% for the price of $14.63. I bought the card closest to the price without going a large amount over because I wanted to minimize my out of pocket cost.
Once I had made the gift card purchase on Raise, I went looking for a cash back site that I'm signed up with for the best discount. I must note here that it did take over an hour to receive the actual electronic gift card from Raise, but that it did work with no problems! I ended up using TopCashBack for as the rebate site because they were offering 3% back rather than 2% at Ebates. Only a $0.20 difference, but it all adds up!
So the final transaction went like this. Logged into TopCashBack, clicked on the Home Depot icon for 3% cash back, my total for the purchase at Home Depot was $20.20. I paid $4.03 on my credit card and used the gift card purchased for $14.63, but worth $16.17 to complete the transaction.
I paid $4.03 plus $14.63 and will get $0.57 back from TopCashBack. Effectively, I'm purchasing 12 furnace filters for $18.09 (with tax) and each filter is less than $1.51. A little extra work to save more than $2, but it was fun to get a deal on something I need anyway!! Now I'm set for a full year.
Do you follow Hip2Save deals? How much do you pay for a furnace filter?
Those are my affiliate links for Ebates, Raise and TopCashBack. No need to use them if you aren't interested.
This post will be all over the place...although I think financially centered!
Our electric bill is lower by $16.97 because it is a co-op and they have return some of our capital credits. Our auto insurance went down to under $400 for the next six months. That saves about $35 I think.
All my eBay listings have ended. The only other thing I sold was my daughter's Nook. She gets the profits of $34.12 since she originally paid for it herself. I have some chives plants I pulled from our landscape beds that I hope to sell if even for $1 each. I have five I need to list on Craigslist. I may also put the unsold items back on eBay on Sunday. My selling is SLOW!
I plan to open a bank account with Navy Federal Credit Union to take advantage of the 5% CD, which is only for $5,000 max, but that is an easy $250. I still need to open the account with US Bank for at least a bonus of $150. I also have an offer of $50 for opening a Discover bank account.
My daughter applied to three colleges over the weekend. As of this morning, she has been accepted to all three. Application fees came to $125 for all three. She paid with her debit card and we will reimburse her. I wanted her to have the experience of paying with her own card and handling it all on her own. The only thing she needed from me was to confirm her social security number. She does actually have it memorized at this point!
My husband's unit is getting a new commander this weekend. It's common for the commander to have a little reception after the ceremony. They are to pay for it out of their own pocket. He isn't responding to my husband's email, so my husband has taken it upon himself to order the cake, drinks, flowers and purchase napkins and plates. He took $160 out of our bank account. Praying we end up getting reimbursed!! It seems we never do for these things. Sometimes my husband is just too nice.
My husband was also asked by a coworker if we had any cell phones we weren't using. Yep. Four to be exact. We are selling for cheap, or even giving her one if she'll accept it. She is just downgrading from her smartphone, which is costing her too much time and money. We have kept our old phones simply as backup since they aren't worth anything to sell.
My girls started back with flute lessons last night. Twenty dollars per half hour for each of them once a week adds up to $160 to $200 a month. No small change really. They have both benefited greatly though, so it is worth it.
It just came to me yesterday that I should find out if there is an age limit for contributing to our Coverdell Educational Savings accounts. Yes there is. It is 18. Since my oldest daughter turns 18 in March, I need to try to get her full 2015 contribution into her account before that date. I will likely just change amounts for our Roth's and younger daughter to compensate for larger contributions during the first three months of 2015. I'm just glad I know ahead of time!
My youngest daughter is selling magazines for school. I'm pretty sure we are skipping the entire thing. I don't need any magazines and I'm really tired of asking others if they need any. They are way over priced because it is a fundraiser, too.
My 52 Week Savings Challenge account held at Capital One 360 now has a balance of $1,098. Those $57 deposits twice a month do add up!
Okay, I think you are caught up with the financial happenings here. Did you know there was an age limit on Coverdell Savings accounts? Are you taking advantage of any bonus offers from banks or credit cards right now?
I was made aware of another cash back site when shopping online. It's called TopCashBack. Free to sign up, and can cash out anytime and for any amount (which is far different from Ebates).
I figured it was worth my time to sign up and get the $10 which is still showing as pending in my account. If you want the $10, feel free to sign up using my referral link. You can then advertise your referral link to your friends and family and receive $10 when they sign up.
As you probably know I will consider the $10 a little snowflake to put towards paying down our mortgage! I love these little unexpected ways to get cash.
Feel free to leave your referral code in the comments after you sign up! And, if you knew about this site, how long have you been a member?
ETA: It looks like the initial $10 may stay in pending status, until you have earned $10 in cash back status from the site. But at that point, you will have $20 to redeem. If anyone else reads it different, let me know.
I know I'm the one that suggested this selling challenge on Saving Advice, but I'm sure getting off to a slow start! Can I blame it on school starting last week? I have had items listed and I have sold a few. These items just aren't big profit makers for me.
In the entire month of August I put $44.83 back into our pockets. I mean I'm not making a true profit on items I purchased and am selling used for less. I put this money to the mortgage of course. So the selling does pay off in less debt and over time, a little less interest paid!
I have an item to relist tonight or tomorrow, since I had a non paying bidder. There are still four items listed, that I may switch to auctions. Undecided. I know there are a couple books on Half.com, but those will just sit there until they sell. Although by December they will go to Goodwill if no one shows interest by the end of the year. Can't have excess clutter for too long!
Are you selling anything? Do you think sales are slow or brisk for you right now?
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