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I Forgot About this Money

April 28th, 2017 at 11:30 am

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.




Amazon Gift Cards from Swagbucks

April 6th, 2017 at 10:20 am

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.

Check Arrived & More

April 5th, 2017 at 02:02 pm

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!

$3 & The Uncashed Rent Check

March 31st, 2017 at 09:50 am

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! Smile

Unexpected Offer

March 25th, 2017 at 08:41 am

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?

A Few Snowflakes & More

March 22nd, 2017 at 05:44 pm

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?

Debt Free Charts & More

March 6th, 2017 at 03:34 pm

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. Smile 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. Frown 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.

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.

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!

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.

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?

$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.

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.



More Food Used Up

January 19th, 2017 at 05:13 pm

I made tuna casserole tonight. We haven't had that in years! It came up recently when we had a friend over and my husband seemed very interested in having it after it was mentioned. I did have those two cans of tuna to use up so I bought the other ingredients to make it. Of course, now I have extra noodles and peas!

My husband made a lot of salad this week, and I haven't been eating as much of it as I should as I've been eating other leftovers. I'm starting to realize we buy more food than we can eat. I think he is starting to notice it too. I'm going to try to have a leftover night once or twice a week. And we do freeze extras with some frequency so that does help avoid food waste.

My daughter and I got our hairs cut today. Smile Cost was $30 with tip at Great Clips. I think I got mine last cut in November, but I sometimes go much longer. My daughter has a very short cut, so I'm taking her once a month now! A big change compared to getting her long hair cut two or three times a year.

A check for $26.40 arrived at our home today. It was from the overage charged by the oral surgeon when my daughter had her wisdom teeth removed. The check is payable to her! I paid, but I suppose since she is 19 they figured it was hers? I decided I would just send it to her though and she can keep it. She's a college student...probably can use the cash!



Alternative Landline Ooma & More

January 18th, 2017 at 11:42 am

We love our Ooma and still like have the convenience of a landline at our house. Our cell service here has a lot to be desired. I get one or two bars and get more dropped calls then I would prefer! If you are interested the Ooma telo unit is on sale until the end of January and ships free. Our monthly fee of required Federal taxes is $4.83 a month. It does vary by location. I do get a referral credit if you sign up! So thank you in advance.

In other news, I started the transfer of $15K from one bank to the other. The money is going into that 2% CD that I opened yesterday with NFCU. It takes awhile to move...right now the estimated arrival is Monday!

I am in the process of switching some of our regular bills, such as the Ooma taxes, Netflix, cable, and our electric fee to the Southwest credit card. I want to consolidate as much of our spending as possible to one card to rack up the points. I need to try to remember tonight to tell the flute studio that I want to change my automatic payment with them, too.

I spent a little time this morning, get the the exact number than I can claim for tuitions, fees and related course materials. I thought I came up with a little over $4K earlier this month, but my numbers didn't make any sense to me! I redid them and came up with $3,813. I may have counted something twice.

I'm procrastinating working on the withholding and what I want to do about IRA vs Roth investing. Maybe tomorrow.

Opened New CD

January 17th, 2017 at 06:41 am

I opened a new CD at Navy Federal Credit Union this morning. Its been on my list for a week. I only put $75 in it to begin with as that is what was already in my savings account there. We have over $20K at another institution that I would like to transfer and add to the certificate. The maximum amount for this CD (at 2% for 17 months is $50K), so I can add the full amount and it can be added at anytime. So I at least took the first step!

I have only one tax statement thus far. It the 1098-T that universities send out showing qualified expenses they billed and the scholarships and grants provided. My husband's W2 should be available on Saturday. I will need to check the banks to see if they have 1099 INT (interest statement) forms available yet. Our taxes are pretty straight forward most years. I do want to get our return done as soon as possible to get that refund money in our account.

Another reason I want to complete our tax return is to do more planning for 2017. I'm still undecided about changing our retirement from Roth IRAs to Traditional (or TSP). I even went so far as to skip our contributions in January and make them up during the rest of the year, so that I can have more time to figure out what I want to do. This might mean I can use that $916 that I set aside on payday and put that towards tuition. This will mean we each need to contribute $500 a month for 11 months to meet the maximum contribution for the year.

In credit card news, I'm considering cancelling our Chase Freedom account (although I think my longest open account) and Discover. We still just have too many. I rarely take advantage of the 5% categories (although did use Discover at Christmas for all Amazon purchases). I think because of all the airline travel we are planning to do in the next few years, we would be better off putting a majority of our purchases on our Southwest Card, rather than accumulating cash in little bits over several cards. Trust me I know they add up, but I think the airline miles would be more advantageous to us. I'll let you know when I actually make a decision.

And Now It's 70+ Degrees

January 13th, 2017 at 12:01 pm

Heatwave! It's over 70 degrees here this afternoon. My husband is off work today for the holiday weekend. He decided it was time to wash the van (he did the truck two days ago). On his outing to do this (and spend $20!!!) he realized the air conditioning was not cooling. We now have an appointment on Monday. It has been in sometime in the last few months for this problem and one of the things they did was add a dye so that if it did stop working again it would help them find the leak. So fingers crossed this isn't too big of an expense!

We did talk about going to a movie today, but in the end we skipped it. I'm kind of glad since he wanted to spend the money washing the van. We don't wash our cars that often now that we are not in an area putting salt down on roadways too often. My husband does want to protect them so they last us a long time. A small investment, although he really could do this in the driveway! I pick my battles.

Despite the long weekend, so far my husband has avoided picking up alcohol. I mentioned I didn't want to drink much, if any this weekend, so that may be a factor. We do have my daughter's friend over this evening, and I need to be the driver to get her home. We might save a little money if we can avoid drinking most of the nights this weekend.

I pulled some more food out of our storm supplies. Non perishables that I will want replenished this summer anyway. I wanted a couple snacks for the girls if needed. I think this friend may be in one of those homes that is considered food insecure. Frown I want her to fill up while she is here if she wants to. It is a long weekend away from school.

And I made a mistake with some of my daughter's books. I sent them to ME, rather than her!! They arrived this afternoon. Luckily she is not in need of them right away. I probably could have reordered and then returned the ones that arrived here, but instead I ran to the post office and got them sent off Priority Mail. That cost me $13.45. An oops expenditure!

I'm just 70 Swagbucks away from getting a $15 Amazon gift card. Once it arrives I'm going to order my daughter's allergy medicine. She takes Zyrtec nearly daily, so we stock up once a year. The cost is just $15.99.

I finished the chicken salad I made yesterday. I had it as a sandwich. We are definitely going to need to get to the store soon. Our stash of food is dwindling. There are still things that need to be used up, but we need other things to go with them. I will be sure to incorporate many of them into my meal planning for next week!

More Books!

January 11th, 2017 at 05:01 pm

My daughter emailed that she needed me to order more books from Amazon. I know I thought of doing this while she was home, but she has had good luck with the book store and their rental prices. That has not been the case this semester. I rented one and two others had to be bought new. She will have those on Friday. Those three books cost us $71.86. Hopefully she may want to resell the ones that were not rented so we can get some of those funds back.

I went to Home Depot this evening thinking I had a gift card with a balance on it. I figured I would buy a couple cleaning products with the funds. Turns out it had nothing on it! I'm a bit perplexed that I would keep it if it had no funds left on it. In the end about $8 for the cleaning supplies. I'm kind of in a spring cleaning mode this week here at home!

I'm making bone broth for the first time with that chicken I roasted yesterday. It's going to simmer a full 24 hours or maybe a little more. I look forward to tasting it tomorrow. I used up some carrots, celery and onion to get that started.

I ate the last of the barley for breakfast. Forgot that I was going to add the strawberries though. For lunch I ate the Boca burger with a salad. I used a little feta cheese on the salad, and used more of that in a black bean salad for dinner tonight, which also used up the can of black beans and part of the red onion.

Tomorrow, I will probably eat the black beans for breakfast. They are even better the second day! Then for lunch I will have tuna salad (with red onion) sandwich with the tomato soup from the freezer. In the evening we will have chicken, couscous and possibly more salad! I'm going to cube or shred the remaining chicken for soup or tacos and freeze it. (Did I say that in my last post? If so, I guess I went for simpler tonight since my daughter had a flute lesson!)

I received an email from NFCU that there is a 17 month certificate paying 2%, up to $50K. I'm tempted to put some more in, but I'm starting to have a lot of our cash in CDs and I don't really want to tie it up, although I don't know when we would need it during that time period. We have a least 17 months before another move.

Amex Offer & StepBet

January 9th, 2017 at 08:07 am

I paid our cable bill with my husbands American Express card last night. This charge still qualifies under the 10% back on satellite and cable bills that expires at the end of January. The maximum credit is $30 and our other bills have qualified us for $28.95 of that $30. So this bill will get $1.05 credit. I plan to use $25 in rewards towards the bill as well, so our final bill this month will be $55.03. If you remember we turned in a cable box and exchanged it for a digital adapter a couple weeks ago, that is saving us $10 a month now. We did get a $5-6 credit for turning it in mid billing cycle.

I'm debating about doing a StepBet. I know I could win. I have a treadmill, and I go on regular walks with my neighbor. The bet is $40. For those of you who have done these in the past, what have some of your payouts looked like? Is it a good return? I may do another 4 week DietBet, if I don't do the StepBet.

In pantry news, I've finished the english muffins, and the clementines. I plan to have a green smoothie for lunch to use up the romaine, frozen fruit and some of the chia seeds.

Snowflake Towards Tuition

January 7th, 2017 at 07:49 am

I redeemed $62 from our USAA Rewards card yesterday. That snowflake of cash is now sitting in our checking account and has been budgeted for the upcoming tuition expense. I was able to put away $740 in January for tuition. So far this month I have saved $532. I'm definitely behind where I would like to be considering I would like to have $4000 by the tuition due date of February 12.

I raided the birthday fund and came up with $150. I think this was actually birthday money my husband and I received for our birthday's from my parents. Yet, tuition is more important than buying ourselves more stuff!

I evaluated the escrow fund we have for auto insurance, renters insurance, and vehicle registration. I was hoping we had excess there, but that was not the case. I guess I'm pretty good at setting it up correctly!

I may be able to find some things to sell, but I'm not very optimistic they will be big money makers or sell fast. But the little amounts do add up, so I will try.

The second half of the month is usually the most fruitful time for saving. We have fewer bills and expenses. In fact, I may delay our retirement investments one month just to make this all work without dipping into savings. I'm also considering using just a little more of her Educational Savings Account. But that has yet to be determined.

2016 Snowflakes Final

December 22nd, 2016 at 02:09 pm

In my previous post, I tallied up our credit card earnings. I came up with a whopping $2,595. I was actually quite surprised at what we accumulated. A couple new cards did help!

I had been putting nearly all snowflakes in our second checking account this whole year, with the plan that I could set those aside for college expenses. I'm going to keep doing this into 2017.

My final tally for snowflakes from non credit card sources is $701.25. I've put my excel sheet down below.Snowflakes do add up! I have interest to add up for 2016 soon, too. That adds up also. Smile



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