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Credit Card Rewards 2017

December 20th, 2017 at 02:02 pm

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.

USAA $77
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!

Discover $5.75
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.

Item Sold On eBay

December 19th, 2017 at 02:22 pm

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. Smile

I'm working on some year end posts. More to come soon!

2017 Swagbucks Earnings

December 15th, 2017 at 09:37 am

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!

Found $140.54

December 13th, 2017 at 11:08 am

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.

Netflix Increasing & Be Kind

December 5th, 2017 at 01:27 pm

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.

Combined Trips & More

December 4th, 2017 at 06:28 pm

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.

Coupon & Rebate Savings

December 3rd, 2017 at 01:14 pm

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.

Strange!

December 2nd, 2017 at 06:50 am

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.

Ibotta Rebates

November 27th, 2017 at 09:47 am

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!

Looking For Snowflakes

November 25th, 2017 at 05:30 am

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!

Snowflakes & Holiday Shopping

November 19th, 2017 at 01:30 pm

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!

$56 Extra Income & More

November 16th, 2017 at 06:36 am

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.

Coupons Used Are Saved Money

November 13th, 2017 at 04:15 am

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?

Snowflakes

November 10th, 2017 at 06:48 am

I have some snowflakes to report! The money kind. Small amounts of money coming into our household.

Ebates $6.56
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

Total $81.85

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.

A Sale and A Credit

October 25th, 2017 at 04:42 pm

I made an eBay sale today. It was an item I have been trying to sell for several months. Netted just $6, but I'll take it. I do have four new items to list soon.

I requested to trade in my old cell phone (well, really my daughter's old one) with Verizon. I was offered just $20 as a credit, which is perfectly fine. We got 3.5 years use out of it. Verizon is sending a box for me to mail it in.

I also checked our account and noticed my husband received $48 for per diem on a one day trip. I think he spent less than $20, so we netted $28 at least. I'm counting the full amount towards the Big Goal.

We are just two months until Christmas. Time to start saving and making a budget now. In fact, I've learned November is the best time to shop and prepare for the holiday. The more you get done before December the more enjoyable it can be.

Since My Last Post

October 23rd, 2017 at 05:26 am

Since my last post, I donated $100 to the daughter of an Army family we are friends with. She is raising money for a diabetic alert dog. She was super excited to receive the donation. I hope she can get the funding soon, as I know it will provide peace of mind to her and her mom.

I sold a Wii workout game online and made a couple dollars. After that transaction, I sent the profits from recent sales to our Big Goal. It's just $15, but it counts.

We spent Saturday at an RV show. Paid $30 to get in the door and $5 for parking. We also needed a snack before we left for lunch, easily over $10 at those concession prices. This activity was a picked as a birthday outing for my husband, so the money was budgeted. My husband is very interested in traveling in an RV after we retire. My biggest concern isn't the money, but the size of these things. They are huge, not that we would get the largest ones. Most likely the travel trailer versions. But I dislike interstate driving in my van, why would I want to drive something so large?! Truth is I probably would not be driving it at all. Only in an emergency situation. But all three of us really enjoyed checking out all the options and features of the RVs. Oh, and we drove 1.5 hours each way to check it out, so it was an adventure!

I recently had my wedding ring repaired. The main reason for the repair was it was cut off last time I was pregnant and ballooned up overnight and it was painful on my finger. The ring needed a new claw to hold the diamond. And I had to add gold to upsize it. In the end my repair cost me $172. If you are paying attention at all, yes, my youngest child is 17...so this is long overdue! I'm so happy to have it done though. It feels like a brand new ring.

Our entertainment budget has ballooned in the last couple weeks, as we have been attending away football games and competitions. I think we have just two more games and two more competitions. Admission and usually money for our daughter to get a snack add up! My husband and I are doing better about eating something before and holding our expense to a water if needed.

We are probably saving big on electricity this month. The weather has cooled considerably. Enough that we needed to switch to heat for a couple mornings. That switch to heat made us aware that our lower unit is not working at all. In fact, even with the thermostat on the wall off, the outside unit fan was still running! I turned it off at the main panel as soon as I noticed. Our landlord is aware and this is after a recent visit by professionals who have said the compressor is out entirely. So I think we are now waiting for a compressor to be ordered and then schedule. In the meantime, weather is mild and our electric usage should drop. At least I hope so!!

We've started digging into our stash of hurricane supplies. The season officially ends December 1, but I feel pretty confident our area is not going to be impacted this year. So this will help the budget a bit in the coming weeks as I make a point to use it up.

And finally, I purchased a new cell phone. Originally was leaning towards an iPhone, but decided the one I was interested based on price, the SE, was simply too small for my over 40 year eye sight! I ended up with a Motorola Z Play Droid from Verizon. Price was $335 or $14 a month. I will get a 5% discount each month on that portion ($0.70) by using my US Bank card. I made my last phone last 3.5 years, so If I can do the same with this one it will be well worth the money.

Busy month, plenty of spending, but it's all good.

Sold Airline Drink Coupons to Buy Books

October 18th, 2017 at 11:56 am

I sold some airline drink coupons that expire at the end of the year on eBay. We aren't going to be flying before the end of the year. If something changes we can forgo an adult beverage anyway. In my entire life I've only had one on an airplane. I used the funds earned to buy a used book that my daughter's want for Christmas. Zero out of pocket for that one.

I also used $35 worth of Amazon gift cards, earned on Swagbucks two purchase two other books the girls want for Christmas. They want this series of 12 books that cost $20 each brand new! Amazon does have them discounted, and gift cards earned make them zero out of pocket!

I found a fourth book today at the used book store. It was new, but I had a $13.70 credit, so it only cost me $7+ out of pocket. This present is working out to cost very little!

I'm not sure if I will get all 12 books, but I'll do my best. I figure they are likely to get Christmas money from relatives and can buy them if they want to add to the collection. Amazon can have them arrive in two days. I also think Amazon has been known to have a special in late November for $10 off a $25 purchase of books. So that would be helpful also.

Do you drink alcohol on airplane rides? Have you started Christmas shopping?

Snowflakes

October 17th, 2017 at 05:52 pm

A few snowflakes to mention.

I returned some fabric binding I didn't need and received $2 back on the credit card I had used.

I used $2.50 worth of coupons at the commissary on Sunday. I also redeemed another $2.50 in Ibotta rebates on the same day.

I have an old Wii game that looks to sell in a couple days on eBay. I'm always concerned with the bidder is a new buyer with zero feedback, but it could workout. I will only get a couple dollars.

I listed two other items on eBay...not sure if they will sell or not. One is new and does have demand. The other has been listed before without much luck. Trying one more time!

I take all the small wins along with the big ones! They add up.

$80 Side Hustle

October 12th, 2017 at 05:09 pm

I had a mini job fall right into my lap. My neighbor asked me to sew a fabric key fob/lanyard, like the one I had given her. She wanted to give them as teacher gifts this Christmas.

I figured she just needed one or two! No, she requested ten. And I charged her $8 each. They don't take much fabric, but I did have to go buy more than I had on hand. And I definitely wanted to make it worth my time.

This was about a month ago that she requested them. I got right on it and she paid me this week! I could get used to this kind of side hustle.

I've added the money to the Big Goal!

Money Inn

September 28th, 2017 at 03:47 pm

Ha. Ha. A typo in the title that I decided to leave. I would like to be the Money Inn, where money comes to stay for as long as it wants.

I received a $5 rebate on some vitamins I bought last month.

I redeemed Swagbucks for $25 Paypal cash. My Swagbucks added up fast after buying some Gillette razor blades. It was a money maker!

We received $1,112 from the VA. That's the monthly housing benefit we are receiving from the GI Bill. That money is going in savings to pay us back for making the upfront housing payment.

And tomorrow is payday, so that is pending in our account as well.

Snowflakes Here and There

September 15th, 2017 at 12:26 pm

Let's see if I can recall the recent snowflakes arriving here lately:

$8.05 Electric co-op return of capital
$6.00 Pinecone Research payments
$0.93 eBay proceeds for a book
$9.00 ATM refunds from our bank
$25.00 Amazon gift card from Swagbucks
$8.54 US Bank reward (5% back on Cell Phone)
$9.95 AmEx cable bill reward

Those snowflakes add up to $67.47!

I printed out some coupons for things we normally buy. If I use them all within the next month I will have saved $11.75. Only took me a couple minutes to print.

I've always said that small amounts add up!

Started Christmas Shopping & More

September 7th, 2017 at 07:14 am

I've started Christmas shopping! One item arrived in the mail on Tuesday and another arrives today from Hungary. I mentioned to my girls at the beginning of August that it was never too soon to give me Christmas gift ideas. And they have done just that. Their lists are not flushed out completely, but I figured these couple items would be good to get now. Later this month I'm going to brainstorm for everyone else on my list and start making a rough plan. We've been saving $50 a month since December, so will have $600 saved for gifts by mid November. Yes, $600 is enough, we buy for fewer people now, and buy less expensive simpler gifts. It really makes for a much nicer holiday season.

We did buy my husband his new speakers for our family room. Out of pocket cost for them, the stands and speaker was $457.88. This was paid for with the per diem he received from his summer travel. He is very happy with his purchase and I'm happy for him as he has wanted to replace our old set (which we received as a gift for our wedding) for awhile now.

For now the remainder of the per diem is in savings. I'm pretty sure it will go to the Big Goal, but next time we have a budget meeting, September 15, we will discuss again. We may use some to fund some short term savings, but then pay ourselves back. But it really ends up being saved either way.

We are prepared for Hurricane Irma heading to the southeast coast. We have water, batteries, a hand crank/solarweather radio and cell phone charger, cash, and plenty of non perishable foods. And yes a manual can opener, although we don't have many cans! The weather radio is new. I found one at Bed Bath and Beyond for $51, after my 20% off coupon. I feel lucky as many of these kinds of radios were not going to arrive until late next week!

I used quite a few coupons at the commissary yesterday while shopping. They totaled up to $8.20! I also submitted my receipt to Ibotta for another $1.50 in rebates. I will follow my own advice and transfer that $8.20 from my groceries budget line to the Big Goal. I'm not moving the $1.50 as that is a rebate I will get in cash once I meet the $20 cash out threshold.

I sold a book on eBay over the weekend. Only netted $0.92, but it is now out of our home.

This weekend our landlords drove nearly four hours to put new mulch down in the landscaping beds. It was so needed. In one bed, they changed it to rock. It was very overgrown and over filled with plants. Honestly it really always looked awful. Now it just has a crepe myrtle tree and three rose bushes (which are new) and it looks much better. They also agreed to leave one large backyard bed without much as it only has three trees in it and all the mulch had virtually disappeared and grass has almost filled it all in. This will be much easier to maintain...just mow the grass, no pulling weeds or spraying chemicals! It will save them money in the long term too.

Last Friday, the high school football game was cancelled due to a tornado watch and severe storms. They played their game on Saturday but the band was not needed. We would have been volunteering, thus getting free admission, but we saved the few dollars our daughter would have spent at the concession stand. Tomorrow's weather looks good, so a couple dollars for a evening snack is scheduled. This is how the band makes money, so our daughter does benefit when the money is spent at our home team's concession.

I'll wrap up the post to mention I'm making a photo book for my niece that was adopted by my sister and brother in law in December. I had made one for her older sister when she was adopted. I'm not nearby so I've been gathering the photos as the take them and send them to me. I'm about to wrap it up, order it and have it mailed to her in time for her birthday next week. I'm considering it an adoption gift, and sending money and a small item I'm sewing for her birthday separately.

A lot to do, so I must get back to it! Prayers to all in the path of Irma and those that love them!!

Paribus & Snowflakes

August 15th, 2017 at 11:46 am

I'm trying out a new app that tracks online purchases for better prices after you make a purchase. They will refund the difference to you if they find a lower price. I thought I'd try it for a short time and see the results. I'm not usually one to give apps access to my email account, but I'm going to see how it works out and judge after that. Seems like a good way to possibly accumulate some snowflakes! The app/website is called Paribus. That link is a referral link, if you are interested in trying it.

I sold some books on eBay that my daughter decided to sell earlier this summer. Net is about $9.50. I redeemed a $1.25 Ibotta rebate for soap I purchased on Sunday, as well as $0.25 for canned cat food. And I now have enough Swagbucks to redeem for a $25 Amazon gift card. I'm using my discount for the month, so I only need to use 2200 SB. Now to accumulate more in the next two weeks so I can get another one! And finally I returned my neighbor's carpet cleaner and attempted to give her $10 to purchase more cleanser, but she refused. So I now have $10 back in my pocket! All of these snowflakes add up!

I did a small amount of spending today. I mailed a package (why does it cost so much) for $10.55 to my daughter. A few things arrived in the mail after she left and she also left a couple small items. I did include a Dunkin Donuts gift card I bought her at a discount.

The other spending was for cream cheese, mailing tape and three packages of loose leaf paper. My cost $6.67.

As a follow up to my post yesterday. I've decided to wait on the Diet Bet. I am however going to attempt losing 4% on my own in the next four weeks without the Diet Bet motivation. That would be free! I weighed in today, with my final weigh in planned for September 13.

Must Be No Spend

August 14th, 2017 at 12:44 pm

Today WILL be a no spend day. It has to be, we are out of cash, well cash that was set aside to spend for the first half of the month. I told that to my husband, too. I hope he listened!!

I earned another $3 from Pinecone. I'm transferring it to my PayPal account today. That is a snowflake that I will put towards the Big Goal.

On Saturday I remembered to move money to our new 5 month CD, paying 3% so that it was maxed out for earnings. The money I moved was from another 3% CD that had matured.

I'm looking forwarding to budgeting tomorrow's paycheck, primarily so I can fund some expenses I see coming up soon. Once my husband is back in town we are going to sit down and look at YNAB together and get a plan for goals for the next year. He does great at inputting his receipts, which is very helpful, but we haven't had a budget meeting in at least a year! Not really the best way to be working together. So we will try again.

I am back to watching my calories again because well weight gain this summer despite a lot of walking outside. I've noticed I don't drink enough water so that is very important for me to be tracking as well. I'm even considering a Diet Bet, but haven't decided yet. I might see how I'm doing in a week and decide then.

Ebay Sale & Listings

August 11th, 2017 at 07:01 pm

I made a quick eBay sale yesterday. I posted three coupons to a major retailer...the type you find in every mall in America. I sold them for $4.99, which net me $3.50 after the fees and a postage stamp. Easy money!

Today, I also listed a new item that my daughter found while dusting her room. I may only net a couple dollars, but hey, easy to ship from my mailbox, so worth a try. I also relisted a couple items. I had tried Buy It Now options in the past. This time I went the auction route with a Buy It Now option included.

I found two American Eagle Silver coins (one ounce) in my desk. My husband and I each received one for our graduation years (1991 and 1989). Someone wrote next to mine that the current value was $7. I know it is worth much more than that today, closer to $19 or $20. It is one of those things I think of selling occasionally, as we don't have much sentimental attachment to them. But then again, could be worth more later, and don't take up much space.

Today was a no spend day for me. I believe my husband bought some alcohol to have this weekend (he is still away at school). And he also bought donuts for his class this morning. There had been some exercise where money was given out. (?) In the end they could keep it. They pooled it together and gave to my husband to buy donuts (it was his suggestion). The donuts were more than the cash, so another $10 out of our pocket was spent.

Amex Offer: 10% Back on Cable

August 9th, 2017 at 05:51 am

I think this offer was available last year as well. American Express is offering 10% cash back on cable and satellite bills, up to $30. We have two Amex cards, only one had the offer. I added it to the card and plan to use it to pay our bill over the next several months to get the $30.

Because of the change we made with our cable subscription, our bill is prorated and much lower this month. Just $59. The offer will give us $5.90 back this month. I'll take it!

Anyone else going to take advantage of this?

Pay Day, New CD, More Food Used Up and Snowflakes

July 31st, 2017 at 06:47 pm

It's payday officially tomorrow, but my husband's check is usually pending as a direct deposit the day before. Apparently I checked a bit too early today, as it wasn't showing up! An hour later it was, as it is suppose to be, pending for deposit. Whew!

I saw ladya70's post about the Navy Federal Credit Union CD at 3% and I quickly logged on to set one up! We have a $10K CD that is also at 3%, but it matures on August 10. I was going to be sad about losing that great rate. Instead I can roll all but the interest to this new CD which is good for 5 months. Maybe something even better will come along when that one matures!

I redeemed $10 worth of Swagbucks for an Amazon gift card. It arrived in my inbox today. I quickly logged on to claim and and used it to buy some joint supplements for our cat. I had another Amazon credit so my out of pocket cost was just over $3.

I had my first survey in a very long time from Pinecone. I completed it yesterday and received credit today. Once it is in my PayPal account, I will move it to the Big Goal.

I checked on my neighbor's dog, rabbit, bird and two beta fish while they went on a four day trip. She bought me a gift card for a new smoothie and sandwich shop that opened near us. I wasn't expecting anything as she watched our cat for an entire week! I had checked on the rabbit for two days before, but we were not yet even in my mind.

I used up the butter I mentioned yesterday by making cookies! Yummy! My daughter and I used up the leftover chicken taco meat for lunch.I cooked some quinoa today and will add some ingredients tomorrow for lunch which should use up some more ingredients. I also cut up a yellow watermelon for snacks. Tastes just like the red ones we are used to, but it sure looks like pineapple!

It's been a fantastic money day! Feeling blessed. Smile

Frugal News

July 7th, 2017 at 04:30 am

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!

Free Cat Food & More

July 3rd, 2017 at 06:49 am

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?

Money News

June 29th, 2017 at 05:41 am

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. Smile


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