I was reviewing next quarter's cash back offers. Chase Freedom and Discover have 5% cash back on Groceries. I'm not sure I will be using them though because I have upgraded our American Express Blue Everyday card with the Cash Preferred (I think that's it) which will offer 6% cash back on groceries, and 3% on gas and department stores.
I've known about this card for awhile...but with all the churning of card offers over the years I just didn't dip into this one most likely due to the annual fee. I try to avoid those, but sometimes in the end it is worth it!
American Express made it easy to upgrade. My account numbers are the same. We will get new cards. The annual fee of $95 is waived the first year. If we spend $2000 or more on the card in the first three months we will get a $150 statement credit. I do not expect this to be a problem.
We've been averaging earning $25 statement credit each month just using the card for purchases at grocery stores. At 6% cash back, I expect we can double this amount. And I think there is a limit to the amount you can spend and still get the 6%. Eventually, we may need to turn to another card. We do have another Blue Cash Everyday card in my husband's name so we could at least get 3%.
Now I'm starting to wonder if I should use the 5% back on Chase and Discover for the second quarter. That would help me not meet the maximum for grocery stores so quickly on the American Express. I guess I have a little more to ponder, as I would still need to spend $2000 to get the statement credit.
I'll get it figured out eventually!
Oh, I did change our Electric bill to be charged to our US Bank Visa for 5% cash back. All set for next quarter...and hopefully all quarters following.
Viewing the 'Snowflakes' Category
I was reviewing next quarter's cash back offers. Chase Freedom and Discover have 5% cash back on Groceries. I'm not sure I will be using them though because I have upgraded our American Express Blue Everyday card with the Cash Preferred (I think that's it) which will offer 6% cash back on groceries, and 3% on gas and department stores.
In the last week, as I have paid our credit cards in full, I found that two of them had rewards I could redeem. I redeemed $22.11 in cash from our Chase Freedom account. We have been using that card for fuel, cable, phone (Ooma) and Netflix purchases this quarter to earn 5% cash back.
Our American Express card had earned another $25 in rewards. This is applied as a statement credit, but I did put that same amount towards our Big Goal.
Today was a little spendy! My husband is home from work while our daughter visits. We ran to Target to pick up a sympathy card, light bulbs, shaving cream and packing tape. We decide to make this our day out to each lunch. We will eat at home the next few days, with more eating out to celebrate her birthday later in the week. And finally, we picked up some hair product our daughter uses from Ulta (did have a coupon). That was $83 of spending! I'm glad I added extra to our budget accounts.
My husband is going to get the oil changed in my van tomorrow. We have been saving for car maintenance, so no worries about finding cash for that! We are set.
Tonight I'm making this for dinner. Some of us will add chicken. I'm also going to use some hamburger buns to make a garlic bread. I've made that recipe with green beans instead of asparagus with good results...even more frugal.
Are you signed up to receive notices about Class Action Lawsuits? I get my notices from Class Action Rebates. It does pay off.
Today we received a claim check for $18 from a class action suit with Rooms To Go. We had purchased furniture with them and qualified as a claimant. We do not file claims that we have not purchased since that would be illegal.
This money is going to the Big Goal. Cash adds up!
I sold a set of eight books on eBay Saturday morning. These were my daughter's, so I decided to offer her the $50 proceeds. I usually don't give the girls the money since most items I sell are a couple dollars at a time...and we are still supporting them.
This time the amount was more significant and these were purchased with her own money. She (oldest daughter) has been talking about wanting to save for a new flute and becoming more aware of the need for money! She was very happy to hear she will be getting $50.
Not much financial news here at our house. The weather has been colder in the southeast and we are just enjoying a little more time being hunkered down and relaxing. Busier times are ahead!
We may be spending $200 for the four of us to attend a music concert this summer. We will probably decide this week. It's a week night, so need to really see if my husband is up for a late night with work the next day. The concert is 1.5 hours away.
I continue our paper purge, following Marie Kondo's advice, which is that very little needs to be saved. I have converted some items to digital versions. This weekend my husband created a spreadsheet to track our vehicle maintenance, and then entered years of data from receipts we had been keeping. We now know exactly what has been done, when and how much it cost us...all at a glance. The receipts are going out today! It feels so good to lighten the load of paper.
I redeemed Swagbucks recently for $25 deposit to my PayPal account. I sold two items on eBay and netted just over $15. I just transferred the money to our savings account. This is Big Goal money!
I did a ShopTracker for Pinecone Research, but I have not seen the credit to my account yet. That should be $3 when it arrives. And I JUST got the email that it has been credited as I was writing this. Timing is an amusing thing!
Payday is on Thursday, so I just paid off all credit cards and they are now back to zero. I do this twice per month, no interest is ever paid on the credit cards we use. Our February spending actually ended up being only $75 more than in January! I was surprised, as we had guests and we weren't trying.
I'm looking forward to adding up our interest for the month of February. I noticed that one of our accounts has increased the interest rate to 1.60%. Such a relief to us savers to see interest rates moving in a favorable direction.
I will balance and reconcile all accounts in YNAB later today or tomorrow. Some accounts are simple as we use them for just a few transactions a month. Other accounts take a little longer. Once they are all up to date, then I toss nearly all receipts, keeping only those that I may need for a return or for long term reasons, such as insurance claims or taxes.
There isn't much financial news going on here, thus the lack of posts. The good news is there has been minimal spending, gas and groceries primarily.
I did get an email offer from Discover card for $10. I had to make the card my 1-Click setting on Amazon and was given a $10 credit. I already used it to pick up a book that is normally $15. I don't like to purchase books, but this topic is one I find hard to get at the library.
I've been decluttering more of our paper files this week. I was motivated after dealing with some old tax files. I did a very large purge of papers in January 2015. Bags and bags of shredding went out. When we moved later that year we had two very stuffed file boxes. Those are a pain to move. It is not recommended to send personal or sensitive information with the movers. So you hand carry them. My goal is to get our files down to one box or even less preferably. So much can be kept digitally now, however I also do not want to spend a lot of time scanning. So I'm being very intentional with what paper I keep.
I listed a couple more items on eBay to earn a few snowflakes (found money). I've spied a couple books I could likely list, but need to review them first to make sure. And there's a DVD my mother gave me, that I need to watch and then sell for a few dollars. I think I will watch that today. It's raining and I can sort some more papers while I do so.
I just booked our oldest daughter's flight home for spring break. She will fly Southwest Airlines. I used points we accumulated on our Southwest Visa during 2017 to cover the cost of the flight.
I did pay for Early Bird Checkin, which is $30 roundtrip. If I were flying alone, I'd skip it, but as a young adult she does like the ability to pick her seat early so she can get off the plane quickly to get to her connecting flight on time. It basically is paying for her to have a little less stress during the process. And I had to pay the TSA Security Fee as well, $11.20.
Grand total $41.20. Can't beat that!
Our US Bank Visa sent me an email to pick our 5% cash back categories for second quarter beginning in April. I always pick 5% cash back on cell phones which saves us about $8 per month or $96 a year. I'm picking that again!
I'm picking 2% cash back for Restaurants. I could have chosen Grocery Stores or Gas Stations, but I have other cards that provide that or more. I also rarely remember to use this card for the 2% categories because I'm not usually carrying this card in my wallet.
There is a new 5% category...Utilities! According to US Bank this includes electric companies, gas utilities and waste management companies. We don't have gas in our home that we pay regularly. Probably will only fill up once right before we move. The payment for our trash service is paid out of our checking account and is not worth switching to a credit card as there is a fee that would offset any savings.
As you know, we spend way too much on electricity in this home as I have mentioned in the past. And I do pay with a credit card...so that means I WILL be switching cards to take advantage of the cash back. This month's bill is $250...so we would have received $12.50 back if it were in effect. I'm not sure if this benefit will last more than one quarter, but I expect it may be a regular option. If so I could possibly receive $300 just by paying our electric bill with this card.
Do any of you get 5% cash back on your electric or other utility bills?
I cashed out my Ibotta account last night. The funds were immediately transferred to my PayPal account. Just this morning I moved those funds to savings, not sure why I waited! I was able to cash out $41.38.
I also had proceeds from an item I sold on eBay yesterday as well, so I transferred those to savings. In total I added $49.56 to our Big Goal funds.
It does take awhile for Ibotta coupon savings to add up and you need a $20 balance to withdraw, but I find it easier than cutting or printing coupons. If you are interested in saving this way, you can sign up under me here.
I mentioned in my post yesterday that I was waiting to hear back from US Bank about earning 5% cash back on our daughter's computer purchase with Dell. I had selected 5% cash back on Electronics and Cell Phones (I always select this one) for the first quarter of the year.
Turns out Dell does not designate themselves as an Electronics Store but as Computer & Computer Software retailer. I really should have asked this question in advance. I took a chance. I had even considered buying Dell gift cards at a discount site, but then figured I wouldn't get the 5% back since that would be a gift card purchase. In the end that is what I should have done because those gift cards were at a 4% discount.
I did get 1% back on the purchase with Dell, so saved $14.61. I also clicked through Ebates for 2% cash back or $27.88. I will get that money in May when Ebates send me my Big Fat Check (that's what they call it). I see now they have 10% cash back on Dell. Ugh. I have to trust that I got a good deal on the site at the time. If I remember right the computer was discounted by 10%.
My husband was paid today. I put $108 into our Big Goal Fund since this is the amount of his paycheck that is over what he was receiving before. So important to save as much of our raises as possible, so we don't get the creep of lifestyle inflation.
I also sold another item on eBay. Net is probably about $7.50. It will go to the goal too. It adds up!
I found some cash yesterday! I made sure to get all of it deposited into our savings accounts to go to the Big Goal. If you are new here, I call found money snowflakes. It's a term that comes from adding small amounts of money to your debt snowball to pay the debt off quickly. I also use the term when adding small amounts to my big savings goals.
Here's what I found:
$1.33 Discover Rewards
$4.59 Ebay Proceeds
$19.10 Chase Freedom Rewards
$3.11 USAA ATM rebate and interest
I also have some rewards with US Bank, but I'm checking with them about the amount. I think I'm owed more after purchasing a computer from Dell and having 5% cash back on electronics chose for this quarter.
Not big money, but I'm telling it where to go so it will make a difference in our goals. I share so that if you have any snowflakes you might be inspired to put that money towards your financial goal, whether that is paying off debt or saving. The small amounts add up.
Where do you find your snowflakes?
I sold some scissors that had been hanging out in my sewing box for years! I probably used them once or twice, but since I really had no use for them, I put them up for sale. My net proceeds were $5.93. All sales of our unused items go to the Big Goal.
Yesterday, I donated a large box and bag of items I have decluttered from our home this month. There were easily a few things that I could have tried to sell, but being bulky and heavy, I decided it was better to just donate and be done. My husband isn't a fan of strangers coming to our door or meeting them in this town we live in so that limits what I can sell. I know that we are blessed with plenty, so it is only right to simply pass things on when we no longer need them.
I sold 9 books on eBay last night and this morning. Net amount to our bank account is $32.60. I'll take it and put it towards the Big Goal.
Another snow day because of ice on roads in the northern part of our county, so no school again. I will get out today though because roads are dry here and I need to go to the post office to mail the books!
I will also stop at the store, as we are out of greens and eggs. We will need both for tomorrow.
We will all need to get out of the house this weekend. It is going to be warmer and we've been cooped up for too many days. I don't want to spend money, so I'm not yet sure what we will find to do. I don't need ideas...I know that we'll find something.
We are on our second snow day. Yesterday, could have been a school day as the snow didn't start falling until after 7pm. Yes, rain earlier, but temps didn't drop until much later as well. I guess other northern areas of the county did get snow earlier. That means no driving for me or my husband to go into work. Of course, since the temperatures dropped the heat pump is running constantly.
My husband picked up some more Diet Coke and snacks at the store. Husband and I are limiting snacks and he was just suppose to get one thing for our daughter. Instead three snack items came home. He spent $17+ at the store. Snacks should last awhile because we are not mindfully putting our hands into the package. We measure it all out.
I did purchase several kinds of Vitamins for my oldest daughter. I buy a couple different ones for her and she was basically about out of all of them. I spent $49. That was not budgeted, although she did mention needing them soon. I was hoping to wait until February. It is what it is. We can afford it.
The other cash spent was on my husband's haircut. He spent $13.70. I had budgeted for this!
I'm losing track of what I have reported for snowflakes. Did I mention that I redeemed Chase Freedom rewards for $24.28? That was deposited into our checking account the other day. I listed some items on eBay. No luck on selling yet, but that doesn't surprise me as I'm sure many people are shopped out after the holidays.
I also added $63.15 to the Big Goal. This is the current after tax increase in my husband's paycheck each pay period. I expect the amount will change with the new withholding changes.
Oh, I received notification from Verizon that they gave us a $10 credit for recycling my daughter's old cell phone. Not much, but we'll take it considering it was a 3.5 year old phone.
Keeping busy on the snow days getting cleaning done, updating financials and tax planning, as well as decluttering. Oh, and watching YouTube videos for recipes! All free activities at home.
I received a check in the mail from my claim with Blue Buffalo. Amount of the check is $114.09. It could have been up to $200, but they had lots of claimants. I'm happy either way!
Yesterday, I redeemed Swagbucks for $50 cash through PayPal. I received that money in my PayPal account.
I will add this extra money to our Big Goal!
It's been a good money day!
It may actually snow today where I live! They are expecting an inch, so school gets out two hours early. As a Midwesterner I have to laugh, but the truth is they don't have the equipment here, nor do people know how to drive in the stuff!
After school lets out, I'm taking the girls to get their hairs cut. We use Great Clips. I usually tip $2 to each stylist, so the cost is $15 each. My husband is getting his hair cut today on post. I think the cost is less than $10, but he usually tips $4! As a percentage, we are both overtipping, but we do think our service people deserve it. These were budgeted in our personal care category.
I received $3 from Pinecone Research yesterday. It is sitting in my Paypal account now. I was notified we will receive an $10 AutoZone gift card for a rebate on headlights we purchased. And after getting our daughter a new cell phone last week, I am sending her old phone in for recycling and expect a $10 bill credit on next month's bill. I love money snowflakes!
The first two days of the year were no spend days. I made the point of going to the library to check out some books to read to keep me busy and focused on healthy eating this month. I love the library for the fact that it costs nothing to browse a book. My sister just mentioned spending $100 at Barnes and Noble recently. I do think some were Christmas gifts, but wow that is a lot of money on books! She also purchased their membership which means she plans to purchase more books there this year.
Have you found any snowflake money this month? Do you use the library?
Let's talk credit card rewards. This probably wasn't our best year, and I honestly, wasn't focused on getting the best rewards all the time. I made a decision to use one credit card almost exclusively, thus the rewards earned on other cards were done for specific reasons.
The primary card we used this year was the Chase Southwest Premier Visa. It offers 1 point per dollar, and 5 points for Southwest purchases. My goal was to earn enough points to buy our daughter's Christmas roundtrip ticket. We succeeded! Her flight was 20,520 points. In total we earned 33,375 points on purchases. There was another 1617 from flying, 3,000 for a bonus and 6,000 as an anniversary bonus. We still have 26K points remaining.
All other credit cards earned cash back. I will list from largest to smallest.
US Bank $86.37
We use this card nearly exclusively for 5% back on our wireless phone bill.
American Express 1 $80
Redeemed $25 in cash from purchases, and received $30 in credits for our cable bill, and $25 from Boxed.com. I have $9.91 earned from purchases, but need to meet the $25 threshold to redeem.
We redeemed points earned on purchases for $77 cash back.
Target Red Card $37.34
Based on our spending and the 5% discount this is how much we saved.
American Express 2 $26.50
Redeemed $25 in cash from purchases. Also $1.05 credit for some purchase (maybe the cable bill offer from 2016?) We have $18.62 in rewards, but cannot redeem until hitting the $25 threshold.
Chase Freedom $17.36
I've been using this card for purchases at Walmart the last few months for 5% cash back. I try not to shop at Walmart, but honestly it is the closest discount store to me. I liked it better when I lived 5 minutes from Target!
We barely used this card this year. I have used it in the last couple months for 5% back for Amazon.com purchases. Luckily many of my purchases with them have been with gift cards.
I wish I could remember what the flight we redeemed for points would have been in dollars. I think around $400-$425. I know the year before I redeemed points for what would have been a $600 ticket. I used more points for that one.
All the cash cards come up to $330.32.
Again, not the best year, and most of that was due to looking to earn miles rather than cash. I did like using just one card most of the year. That makes things pretty simple. But the tradeoff is less cash.
I will need to decide if I want to make any changes in the coming year as to which cards we use. Or if we even open or close any cards. I do expect we will fly more in 2018. it may be more of my husband and I going to see our girls than them coming to see us. We will see.
Also a caveat to anyone reading that doesn't know our history with credit cards. We DO NOT every carry a rolling balance on credit cards that would accrue interest. I make a point to pay off all charges on our credit cards each time my husband is paid, which is twice per month. I do not suggest you open credit cards for rewards if you are going to be accruing interest as a result because you will likely earn more in interest than you will make in rewards.
I sold another item on eBay today. I net about $15. Not bad for a used clothing item I was no longer wearing!
That money will go to the Big Goal. More on that can be found on a page on my sidebar if you aren't sure what I'm referring to.
Spending has been minimal, except I ran to the store today to pick up some things to help my daughter cope with a cold. She arrived home from college on Saturday and was recovering from another cold. It seems she picked something else up along the way home.
In other news, we have had a few days of warmer weather, with rain coming tomorrow. I enjoy these mild days knowing it keeps our electric bill lower.
I'm working on some year end posts. More to come soon!
I've done more earning on Swagbucks than I realized this year. I had taken some time off from it in the past because it can be a time suck. Usually, I just do it when I'm watching television (which is rare) or hanging out in the evening (not as rare).
I redeemed all but $25 of my Swagbucks for Amazon gift cards. I redeemed amounts ranging from $3 to $25. I think I often would redeem the smaller amounts when I knew I had an upcoming purchase on Amazon, so I would redeem to get some cash off those purchases.
The $25 that was not for Amazon was Paypal cash. I applied that money to my Big Goal (see side bar for explanation).
The total amount of cash equivalents redeemed in 2017 was $472! Almost $500. I do have enough Swagbucks to redeem for $15 right now. I will likely earn more and redeem in January. If I redeem before I will update this post with the correct amount earned!
Did you earn Swagbucks this year? How much did you end up with?
Check them out if you want to earn some gift cards and cash! My referral link is at the top!
I was balancing our checkbook on YNAB today and found a transaction that should have been recorded on our credit card. Turns out it was already recorded there too! So a double recording means that transaction can be deleted. That put $140.54 back into our budget.
I should probably put it towards the Big Goal, right?
It's tempting to throw it into a few other pots for some other short term savings goals. We are probably going to buy our youngest daughter a laptop (for college) here in the next month, if I can pull the cash together.
Heck, I will put it towards the Big Goal...I can always pull it out if needed.
I had an email this morning that our Netflix subscription amount is changing from $11.99 per month to $13.99 a month. Sounds like their will be more programs and the ability to download for later watching as benefits. Never a fan of price increases, but we will stick with Netflix for now.
Purchased my daughter some vitamins on Amazon today. I used the Discover cash back for a credit of $2.38. Final cost was $12.36. I think I will send that cash back amount to our Big Goal. I should add in the coupon savings from Sunday, too.
I had to take a mental health break today. I had some stress and anxiety pop up on me this morning. I'm feeling better already. To help, I called my mom, went for a two mile walk, ate a good lunch, and then took an epson salt bath. Later I added some relaxing oils to my diffuser while I listed to some very nice relaxing YouTube music. I also got up and got busy in the kitchen making some muffins and hummus (not to eat together!).
I share because this time of year can be stressful for various reasons. It is okay to take a time out and take care of ourselves. And it doesn't have to cost anything! And be kind to those you meet as you don't know what their current struggles may be.
I combined three errands together to save time and gas money. First I dropped off a large box of donations at Goodwill. I stopped by Walmart and picked up lotion that my daughter said I could give as a stocking stuffer. And then a quick trip to the military pharmacy to pick up a prescription. These were all within a mile of each other but about 15 minutes from my home, so it made sense to combine the errands for one outing.
The only fail is, I wish I knew I needed a lemon for the dinner we had tonight. I could have picked it up at Walmart, instead I had to run to the grocery store just before I started cooking. We had this Lemon Garlic Asparagus Pasta from the Budget Bytes site. Yes, we still have fresh asparagus in our area! It was really good, the only thing we did different was add parmesan cheese on top after serving. I will be serving it again, it was that enjoyable to us.
My Amazon gift card ordered from Swagbucks arrived so I ordered the final gift I needed to purchase. It was no cost to me after the gift card!
I received $3 from Pinecone. I'm transferring it to my PayPal account. Another snowflake to go to the Big Goal.
Still no charge from JC Penney for the pillow! I wonder how long it could take?! That was $10.69, so if it doesn't show up on by the 15th I think I'll add that as a snowflake to the Big Goal too.
I took advantage of the Target gift card deal. 10% off online and another 5% cash back using my Discover card. I bought the maximum of $300. I checked and in the last year I have spent around $700 at Target. These gift cards will get used.
At the commissary today I redeem a physical coupon I found in the store for $0.50. I also used their rewards card to get another $2.40 off our bill. When I came home I redeemed rebates worth $2.75. Savings from those sources was $5.65. And theoretically, I'm saving 30% shopping at the commissary in the first place.
I'm paying off the credit cards charges this morning. I pay them twice per month when my husband is paid. I was also reconciling the card with our largest balance (Southwest Visa). I noticed that a charge I recorded wasn't showing up on the card. I found the receipt and it shows I did pay for it with that card. So a pillow that we purchased at JC Penney with a coupon last weekend for $10.69 doesn't show up at all?! I had another transaction at that same store (different register) on the same day and it is showing up. So right now, it's like we have a free pillow! I'm sure it is possible that it will show up eventually.
I redeemed Swagbucks yesterday for a $25 Amazon gift card. Once it arrives I'm purchasing the final gift for my daughter. These Amazon gift cards have been very helpful in keeping our spending under our $600 budget.
After grocery shopping and making a run to Walmart for things the commissary didn't have, I was able to redeem $3.20 with Ibotta. I have now met the $20 threshold to cash out. I have decided to wait until the end of the year to cash out. I expect December and even early January will bring more options for rebates. Once you cash out, you have start again to meet the $20 threshold.
My daughter said no on one of the Wii U games I thought I could sell. That is okay. I will get three of them listed later this week. I probably should try for today with it being Cyber Monday.
I did purchase a cardigan for my oldest daughter at Target.com today. Their entire site is 15% off and this sweater was already on sale. Plus free shipping and 5% off with my Red Card. I think except for stocking stuffers, I'm doing shopping for her!
I bought my husband some new athletic pants this weekend. He was with so he could try on. I was going to make them part of his gift, but he already wore them!! I guess not. I think a couple new shirts may be just what he would like instead. Or even a new pair of jeans.
I'd really like to wrap up the Christmas shopping this week. The more I'm in stores, the more I see the deals which make me think I need things. And the truth is I don't. The quicker I'm done shopping the better!
Payday is Friday. Except for Christmas purchases, I don't intend to buy anything!
I'm looking for snowflakes! The money kind that I can add towards our Big Goal.
I have two items on eBay that I wish would sell. I must need to lower the prices. One could be the wrong time of year.
I came up with four items we have that we don't use that I could sell. Our china sugar bowl. An exercise foam roller (used twice so nearly new). Two very large black table cloths. And a Wii U game that I don't think my daughter will play again (I do need to ask). Make that five items...I could list a couple scrapbook tools.
Did you know that some old Hallmark ornaments sell? I have some that would fetch at least $5 each, but I'm not sure I want to sell them, but I will consider it. I'm sure I wouldn't miss one or two.
Will these add up to big money? No not by themselves, but the small amounts add up together to make hundreds of dollars. The more I can find the better for the goal!
I sold some Box Tops for Education on eBay today. I will net about $7 for some scraps of paper and cardboard. Easy money really.
We received our electric bill this week and finally it dropped significantly. I'm sure primarily due to cooler weather and having one heating and air unit completely off for a week. It was off because the compressor was bad, thus no point in using it. It has now been replaced. The drop was $80!! I'll make a point to put that money towards our Big Goal.
We went grocery shopping today for our Thanksgiving meal. Our meal itself actually isn't too fancy. I'm making Pot Pies, mashed potatoes (daughter's request), a salad and pumpkin pie. Even that sounds like too much food! I did however buy many of the ingredients we need for our holiday baking. And my husband has a meal at work this week he is contributing to. He bought rolls and I'm making cookies for him to take. We also bought some meat on clearance, coffee filters, and cat filter. We spent $200. I need to see how many Ibotta rebates I may qualify for...for a few more snowflakes.
My birthday was Friday and I received a check from my parents for $100. I added it to our Big Goal also.
Snowflakes add up!
I mentioned a few days ago that my neighbor asked me to make 6 more key fobs. A few days later, she asked to add one more on. I was quick to get the work done and yesterday she paid me $56 for the work. This goes towards the Big Goal.
In my planning November planning for Christmas, I'm making a point to stock up on things around the home. When we were at the commissary, I bought dish soap, laundry detergent, parchment paper, ziplock bags, vitamins, toothpaste and bar soap. I want to be stocked up through the end of the year, so that the only shopping I need to do in December is for food. The more I can stay out of the stores in December the easier it is to keep to the Christmas budget. I did notice I need coffee filters and toilet bowl cleaner, so I will pick those up this week.
Yesterday was pay day. All credit cards were paid off in full. I put $42 in the birthday category of our budget, $50 in Christmas, $940 in college and tuition (normal amount is about $410), and $272 for insurances and auto tags. There was money added to our car maintenance fund. It was negative after a having some recent maintenance done. Now it's back to zero. There was about $200 left, and I just dropped it into the emergency fund category for now. May need it elsewhere later in the month, but we will try without.
I have three items on eBay that I'd like to see sell soon. May need to drop the prices a bit, but a little extra cash would be nice.
I only use coupons for things I'm going to buy anyway. I do see how coupons can actually suggest to you to buy something that you wouldn't even have bought in the first place!
At any rate I did use coupons yesterday at the commissary. Seven coupons worth $7.25. Three coupons were ones I printed. One was found on the package. And three were on the commissary rewards app. Easy savings.
I also found a Any Item $0.25 rebate on Ibotta, so I claimed that too.
I'm actually going to move money from our grocery budget to our Big Goal savings. It's not much, but small amounts add up.
Did you use any coupons at the grocery store this week?
I have some snowflakes to report! The money kind. Small amounts of money coming into our household.
Pinecone survey $3
Swagbucks $25 Amazon gift card
US Bank rewards $7.26 (5% back on cell phone)
Verizon $20 credit (old phone trade in)
Checking interest $0.08
Ebay sales $19.95
My neighbor asked me last night if I could make six more key fobs. Her husband thought they would make nice gifts for the women at his work. I charge $8 each, so will get another $48 in my pocket next week after I complete them.
Thanks for all the kind words about my blog. I'm still in decision mode, but I know in the long run I would likely miss it. So more than likely I will still be around.
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