This morning I'm eating my steel cut oats I made overnight in the crockpot. It usually makes enough for four breakfasts. There are no more steel cut oats in my pantry, and I have now used half of the almond milk I wanted to use up.
Yesterday, I harvested two nice size zucchinis, a summer squash, one cherry tomato and a bag full of romaine lettuce. I could have harvested more lettuce, but I will wait until I have finished what I harvested. When I'm out mowing in a bit I will fertilize all the plants again. It is very satisfying to have a garden even if small. I really may need to consider that we need to rent a smaller home with a yard, rather than an apartment next year.
The last two days were no spend days. We only left the house once and that was a trip to the library where one of my daughter's picked up two books, and I borrowed a DVD (The Help).
Tonight we are having fried rice for dinner, so I will use up most of the frozen veggies that have been in the freezer a little too long. Does anyone freeze rice? I saw that some people do that to save time.
A book we had listed on eBay sold last night. That will drop a couple dollars into our bank account. Adding it to the Big Goal, of course!
I redeemed Swagbucks for a $25 Amazon gift card. I hoping it arrives soon as I would like to buy a food processor. I don't need high end at this point, just one that is reliable enough to do shredded cheese and make hummus (my blender doesn't do that well). I'm sure I will use it for more things, but until I'm using it regularly, I'm not spending a lot.
I joined back up with Ibotta. I stopped for awhile as it seemed to take forever to get to the pay out threshold. I do want the savings on the things I buy anyway. I don't get as many as some would as the rebates are on a lot of products I don't buy. Anyone else still using Ibotta? If you are new to this savings and want to sign up, my referral code is here.
The really good news is my lower level air conditioner is working! I didn't pay for the service call because that is a landlord responsibility. The bad news, it isn't technically fixed. The technician couldn't find a leak, or any other parts that weren't working. So added freon and said it should keep cooling for three months. So annoying! I'd be really irritated if I were the one paying for the service calls.
That is the frugal news of the day!
Viewing the 'Snowflakes' Category
This morning I'm eating my steel cut oats I made overnight in the crockpot. It usually makes enough for four breakfasts. There are no more steel cut oats in my pantry, and I have now used half of the almond milk I wanted to use up.
On Friday, I stopped by PetSmart to pick up a free bag of cat food with a coupon that had been mailed to me. I could pick any brand as long as it wasn't more than 3.5 pounds. The one I picked would have been $10.99 normally in the store. But it was completely free.
The last time I bought dry cat food was in December when our other cat was ill. It was a large bag and it is taking awhile for my other cat to eat through it! We also supplement with wet cat food now as well. But we will use this new bag when I run out of the other that is already open.
Today we have my van in for service. We noticed we didn't get their 10% military discount on Saturday service for my husband's truck. We inquired and their solution is to give us 20% off today's service. We'll see if that works out in our favor depending on the cost of the repair.
Our outing yesterday did allow us to visit a museum for free as a Blue Star family. The admission would have cost us the three of us $28. It was a beautiful art museum and grounds. I was especially intrigued with one artist who used old items and added glass. For example one was an old wood desk, but the drawers had been made out of glass, a frosty type. There was also a wagon, a chair and an umbrella.
We did take our own water and lunch to eat in the car on our road trip. We did stop to eat ice cream near the beach to tide us over. We also found free parking twice in the little beach town, once while we bought our ice cream and another time while we walked the beach for about 30 minutes. The only other expense besides fuel was the purchase of three or four waters/sodas. Each time we stop to use the restroom, my husband feels obligated to buy something. It's hard to harp on him for it, but I do personally feel it isn't an obligation. I'll guess that cost us another $6-8.
Oh and I overhead a couple speaking with the cashier at CVS yesterday about a $100 bill. This is what the couple said that the cashier agreed with. "If you break it, it's gone." Obviously I don't know these people, so I don't know exactly what they meant. It seems like an odd way to look at money. Once you have $85 in smaller bills for example, you should just consider the money gone? You can't save $20 bills? Every purchase we make with or without cash should be considered right? It doesn't matter what size bill we paid it with. Just my thoughts. What do you think about it?
I redeemed some Swagbucks for Amazon gift cards this week. I would have like to have waited for the beginning of the month to get the discount, but I needed them to buy my daughter birthday gifts! Luckily, Swagbucks have been fruitful with a lot of good surveys and nCraves this last week. In total I redeemed 2800 SB for $28 worth of Amazon gift cards. They arrived within two days, too, so that made me happy!
My husband and I both need to get our vehicles in for repairs. My husband's is just an oil change. My van now has a check engine light on. And no it's not the gas cap. It is driving well, so I expect it is just an oxygen sensor that has failed. That usually seems to be the case for us, if the car is running properly. I have an appointment for Monday and he will stop in for an oil change on Saturday morning.
We earned just over 3100 miles on our Southwest Visa this last month. Yep, that means we charged nearly $3000! We currently have about 20K miles that we can eventually redeem for a flight. I'm planning to use them for my daughter to fly home during Christmas break. I could use some now for her one way ticket back to school in August, but the cost is minimal and December is always a more expensive month.
I wanted to write a blog post yesterday, but there were site issues. I don't think what I wrote above is what I wanted to write. I wish I could remember! I should have written it in a word document. Hopefully it comes back to me, so I can tell you all.
I received three coupons in the mail from Frito Lay after discovering something like black mold on some bite size tortilla chips. I sent pictures and explanation through some form on their website. We basically had to throw the entire bag out, so I was asking for a cash refund. The coupons work too, as that will buy us three bags of chips which will save me far more than the cash refund.
I received $3 from Pinecone and it is now sitting in my Paypal account with a little money from a small eBay sale not long ago.
I'm working on Swagbucks here and there. I have not been focused enough everyday to meet goal until this week. It has helped to join the Swagbucks Swaggernauts page on Facebook to find a few quick ways to earn. I would like to get to 2500 by this weekend so I can get an Amazon gift card and purchase a few items for my daughter's birthday at the beginning of July.
Trying to stay frugal in this next week. It felt very spendy in the days leading up to our daughter's trip. So far no meals out, and the only spending were some sports bras, which we did need.
Small amounts add up. I'm pretty sure I have said that before!
Our bank reimbursed us for a $3 ATM (incurred while my husband is away), plus gave us $0.07 for interest.
I sold four CDs of an older band on eBay earlier this week for a net profit of $1.67. Considering the used book/music store wouldn't even buy them, I'm happy with the small amount.
Just tonight I listed two books on eBay and one on half.com. One already sold! I expect a net of $4.90.
I think I mentioned in a past blog post that I was using up my change while out doing my normal purchases. I had $5.09 in coins, with over a dollar in pennies. I did get it spent. What I found to be a great place to spend it was at self checkouts that accept cash! Five dollars in coins is heavy in my wallet, so I didn't have it all with me initially.
Last night on a trip to Target, I made a point to take it all so I could get rid of it! Luckily there were no other people waiting while I inserted nearly $2 in coins in the machine. My balance was far more, but the machine lets you pick Pay With Card if you don't have enough cash, so that is what I did. I have moved $5.09 from our spending budget to our savings! And while I would have liked to have just deposited directly to our account, we bank online, so that isn't an easy option for us.
I'm gathering all the snowflakes I can while we rack up the cash towards our Big Goal, which you can get details on the sidebar if you don't know what that is.
We found out last night that my daughter's flute teacher is no longer going to be doing private lessons. As a result her last lesson with this teacher is in two weeks. As it turns out we have credits for three weeks of lessons. The store gave me a refund of one lesson back to my credit card last night of $25.
I had already budgeted $50 for the two lessons in June (the later half of June she will miss lessons due to her trip to Europe) not knowing we had credits. I decided to look at the money as a windfall and put it towards our Big Goal.
We aren't sure when my daughter will restart because a new teacher recommended by her teacher is currently going through the hiring process. So it all ends up as good budget news, but a bit sad my daughter has to start with a new teacher.
I found $5.09 in change this weekend. Most was from my husband, but I had seemed to collected some in my wallet as well. There was almost a dollar in pennies stashed in a small container, too.
Because we bank online I can't just deposit this money to savings. I have to spend it. So my plan is to spend it when I making some cash purchases this week. Once I have used it all up I will transfer $5.09 from checking to savings.
We used cash much more in our early days of marriage. We would toss all coins in a container and once filled we would take it to the bank to be counted and then deposit it into our account. When we got serious about debt this money would go to make payments on the debt.
Coins count and add up! What do you do with your coins?
The fridge in this rental home is growing black mold on the gaskets that seal the door to the unit. It was here when we moved in and seems to be an issue in the Southeast. We have attempted to clean. One of those cleaning tries resulted in the gasket getting a tear in it because it was dry rotted. I finally decided I can't keep using the fridge unless these gaskets are replaced. I did my research, including price and how to install. I emailed the landlord and have approval to purchase and do the repair. The new gaskets (there are two because it is a French door unit) will arrive from Sears on Friday. The cost is $109, which I paid for but will deduct from the rent per the landlord. I was thrilled that the landlord responded so quickly. I'm hoping that replacing the gasket may save some more energy costs, but it's hard to know if it was leaking cool air or not.
I got a $14 bill in the mail from our state transit authority for using a toll road in a nearby town (no toll booths on this road) We've been using it for over a year, without being billed. Our guess was because we have out of state plates with a state that doesn't even have toll roads. Maybe there was no reciprocal agreement. But the state has caught on and billed us for trips we made in late March and early April. I have no problem paying the bill now that we actually have one! It is a very nice road. Now I have to decide if I want to keep using it or find another route.
I've decided the money I already saved up for tuition but don't need in full for our daughter's summer class will remain in that budget category. I know that we will owe around $1500 for housing that will not be reimbursed with the Post 911 GI bill. So I'm going to make sure we have that money ahead of time.
On Saturday, I bought a small wooden desk chair at a neighbor's garage sale for $5 on Friday. Today I used two cans of spray paint to spruce it up. It most likely will just be a decor piece, but it will function as a chair if needed. Such a deal to get a new to me chair for under $14.
I redeemed $35 worth of Swagbucks for Amazon gift cards yesterday. They have arrived in my inbox, and I have used $20 worth to buy my husband two new cell phone cases (one is for his work phone). I do like getting some things for free!
I honestly can hardly believe it is May! Is time flying for the rest of you too?
We saved some decent money in April despite going on a trip for eight days. Interest from our savings accounts and certificates amounted to $89.10. We are lucky to have quite a bit of cash in CDs paying 2% or more right now.
We saved $125 automatically from my husband paycheck. I recently increased this to $131, effective next month, since our dental premium went down.
We found some cash to save this month towards the Big Goal.
$105.06 Army Travel Reimbursement
$250.00 Army Damage Claim Paid
$100.00 Anniversary gift
$165.65 Ebay and Pinecone Proceeds
$50.97 Amazon purchases paid with Swagbucks
The total of all amounts listed above is $885.78. This is far from the $1900 monthly average I need to save each month to reach the big goal, but I'm keeping the faith that the tides will turn somewhere in the process where I can save much more each month. It is a journey. If we don't aim for something we will come up far shorter.
I have some various topics I'm sharing today. And one is a bit personal and some may not want to read. I'll give a warning.
went to transfer the latest $3 sent to me from Pinecone from my PayPal account to our savings account today and realized I had far more money in there! The balance was $165.65! Now once I saw it I did know that the money was from my eBay sales and a few other surveys completed since the first of the year. I did go ahead and transfer the full balance to our savings and flagged the money in YNAB to go to our Big Goal.
I'm still hanging most of our laundry to dry. I say most because I have found towels really do need some time in the dryer. And today, I needed to wash and dry sheets and towels since my daughter had been ill last night. If I could dry outside, I would but I figured drying inside doesn't full kill any bacteria like a dryer would. So two loads have gone through the dryer today. Luckily that is not the norm!
My husband is going away to school this summer for some training on a new job for the Army. He will be about five hours away, so we think he can drive home few times. His housing is covered in full so that is a huge relief to me. He will also be getting per diem for food and incidentals amounting to $1966.50 for the first 28 days. He will need to get his own food, and because he is in a hotel we aren't sure if there will be a way to cook meals. I think he wants to just figure it out once he gets there. I like to know these things ahead. He does know I would love to save some of the money, preferably half or more. He has a second class that I think is for two months in the same location, and we expect, but can't confirm yet, that this one will pay a similar per diem for each month. Oh, and he will get mileage for one trip to the location and one trip home. That could end up being around $300. But of course, we would take the gas cost out of that. The travel claims will be submitted by him at the end of each course.
It's 90 degrees and humid here in the Southeast today. The air conditioning is running. I actually have to be out in it this evening as the marching band is holding a fund raiser. I'm not looking forward to the bill that comes when the air conditioning starts running regularly. Maybe my lack of dryer use this summer will help.
Our garden is looking good, minus the lettuce, which is getting a very slow start from seed. Everything else looks pretty good so far, including the sugar snap peas I started from seed. My daughter is thrilled to see the beginnings of 9 strawberries on her plants.
Here's the personal part....but is related to savings and not too detailed at all.
And finally, I wanted to give an update on using my menstrual cup and using reusable pads. I have used the menstrual cup before for many years and then took a break for whatever reason. I'm now not sure what it was. I'm glad I have gone back primarily because it is more comfortable than tampons and it manages my heavy flow far better. I bought mine for less than $10 on Amazon using Amazon gift cards from Swagbucks. That was two months (cycles) ago. Early last month I used more Amazon gift cards to purchase five reusable pads that were listed at $19.99 when I bought them. But free after my efforts on Swagbucks. I only used the pads for back up and for very light days, so I had no issue with absorption. I may experiment and report back on a heavier flow day, but for now I super happy with this for the savings, comfort, and environment reasons.
I'm still on the look out for finding ways to save on our expenses. It's a bit slow going, but I'm determined to keep making progress and make a dent in our Big Goal.
I earned enough Swagbucks in March to redeem them for $50 worth of Amazon.com gift cards. And I already used them! My purchases should arrive today. I only spent $0.97 out of pocket. I bought two different vitamins for about $25. I added on some tea for $4. And finally, I bought a set of five reusable menstrual pads for $20. I had thought about making my own, but decided I would probably have more follow through and success in the end if I bought something that had good reviews. And with Swagbucks those ended up costing me virtually nothing out of pocket.
It's kind of nice to get things I want and need to buy anyway and have the gift cards to cover them. I really should move the money to savings that I would have spent. Actually I will do that now. I will take money out of the categories these expenses come from and move it to a savings category. Okay, you can't tell that I paused to do that, but I created a BIG goal category in our budget on YNAB. I just put $50.97 in there. I also flagged the other BIG goal contributions so I can find them later. I'll update you on that amount soon.
I do go back and forth about whether the time spent on Swagbucks is worth it. I have taken breaks before and I don't regret them. But I guess for now I'm back on a roll with them. It's motivating when I see that I can buy $50 worth of stuff without any money out of pocket. I can then save that money. Or if we were still paying debt, I could put that money I would have spent without the gift cards towards debt.
If you want to try it out and you haven't joined, I'd be honored if you used my referral link. It can be a little confusing at first. Take a look at YouTube videos that will give guidance about earning as well as ask around on the Swagbucks Facebook page.
The $250 check from the moving company's insurance, for major damage to our entertainment center, arrived in the mail today. That money is going to the BIG goal. I was starting to wonder about it a bit, but I think it has been only two weeks since we accepted the offer.
My daughter is giving up a brand new pair of shoes that were given to her to do an art project with. She has had over four years to actually do it, and finally decided to abandon the idea all together. So those are going to be listed on eBay. I'll probably use proceeds towards textbooks she needs this summer.
I purchased a one way ticket back home for our college daughter. Just a month away at this point. It was $183.45. I had the cash set aside. Yea!
I received three dollars from Pinecone Research this week. I'm up to nearly 3700 Swagbucks, which I will likely redeem tomorrow for $40 worth of Amazon gift cards. I have some vitamins I need to buy!
Our rent check sent to our landlord in October, and that I know they received because she texted me, has gone uncashed for 180 days. They continue to cash current checks we mail them. The checks specifically state void after 180 days, since they are bill pay checks sent by our bank.
I contacted our bank asking if presented if it would be rejected. They stated yes, but also offered a free stop payment on the check as well. I'm not sure if that was needed if the first is true, but I did take them up on that offer. The stop is good for 180 days. They can put an additional stop on it after that time ends.
I'm just amazed that a landlord wouldn't realize they haven't received their rent! Yes, I could tell them, but I REALLY feel like that isn't my responsibility.
For now, that rent money is back in our budget. It will cover our rent for April and I can use our full paycheck to fill in other areas of the budget. If it comes to their awareness and they let us know, we have plenty of cash to cover it and make good on it.
Is anyone keeping tabs on https://www.youtube.com/watch?v=pE9EWh4ocDs]April the Giraffe? I've been watching way to much waiting for her to have her baby!
Wow! This is so unexpected. My husband was notified on Friday that we will be receiving $250 for an entertainment center that was badly damaged in our move. It had been denied in the past when we appealed the claim. We expected nothing else from it because of the denial.
He has accepted the new offer. I expect a check will be cut for this, as that is the form in which we received our original damage check. And here is the link where I last discussed this (November 2015!)
I have to say the delay on this appeal is horrendous. And just as bad as I hear about insurance billing for health reasons. Why can't these companies get their act together?
Since we were not expecting these funds my plan is to put this in the Big Goal Fund! I do need to set up a place to track these funds for easier sharing. If I don't track it, then it won't happen.
Have you ever received unexpected cash that is surprising like this? Tell me about it?
I sold four DVDs to our local used bookstore today for a credit of $2.65. Not super great, but it wasn't any better than I could get selling them online. And now they are out of my house!
I was looking at an off budget account I have in YNAB yesterday. When I compared it to what the bank said my records were $2.25 less than what the bank had. Turns out I had failed to record the final interest payment on CD back in October! I'm surprised it took me so long to notice.
I was paid $10 for a survey. I vaguely remember that I had to provide my email address for Paypal payment, but those never seem to work out for me, so that was a very nice surprise.
I have accumulated more Swagbucks in recent days. My current balance is just under 2400. I plan to save 2200 for April 1 when I redeem for a $25 Amazon gift card.
My husband and I have started counting our calories again, as we have both put on some winter weight. This will end up helping with the grocery bill eventually since we eat pretty well at our meals, but it's the mindless snacking that has caused us both problems.
Any recent snowflakes in your budget?
I came across a blog that offers free countdown type charts. There are numerous different ones. The charts look a big like a picture in some cases, say if you were saving up for a house. The debt free chart is the words DEBT FREE. You fill the words from bottom to top, kind of like those thermometer charts when an organization is saving for something. Not sure if I'm explaining well at all. Check them out here. There are a couple YouTube videos on the page where you can see someone explain how they are using them.
No money spent by me today. My husband had breakfast and lunch provided for him at his training. Dinner was also provided but he was full from lunch and going to skip it. But in the same conversation he said he was going to buy some snacks. So not sure what the actual spending is.
I made a yummy rice dish with mushrooms. My daughter loved it. Very easy, and I wouldn't be surprised if some of you already make something like this. I will definitely make it again.
Today I washed the blanket our cat Riley had spent so much time on in the days before her death. I hadn't washed it yet, as our older cat, Liberty, seemed to be enjoying it since then. But it is now closer to spring and it was time to get it washed. It was kind of sad to pull the lint trap out and see if full of her fur. I still so grateful for the time that she was a part of our family.
In other news, I have accumulated 1354 Swagbucks. Closer to my $15 Amazon gift card goal. But then I have found another item I may want to buy and that puts my total closer to $20. I may hold off though on that one, as it isn't a true need.
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.
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!
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.
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.
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!
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!
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!
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!
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!
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.
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!
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?
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.
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.
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