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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


Credit Card Rewards 2016

December 22nd, 2016 at 01:31 pm

I'm calling it a year with the credit card rewards. I didn't track well at all this year. My snowflake spreadsheet ended in March, so I had to go looking through all of our credit card accounts.

The final (slightly estimated tally) is $2,595!

The best new reward was from Marriott (we earned $87K points by opening their Rewards card and spending $3K). Those are worth about $612. We have not redeemed all of them yet. In fact, we may have only redeemed one or two nights so far for 25K points. I noticed we also earned another 10K points, so a total of 97K points for the year. This card does have an annual fee. That fee covers one free night the following year.

Southwest Rewards. We earned just over 19K miles. With miles from the previous year, we were able to redeem miles for my daughter's flight home this month. That ticket would have cost me $600 out of pocket. I also upgraded from the Plus card to the Premier card and received a $25 statement credit. Total $625.

The next best reward was for another card we opened. The American Express Premier Gold card. We earned 50K points after spending just $1000. Those 50K+ points earned us over $500 in gift cards. We have already cancelled this card as it had a large annual fee.

Here is the breakdown of other cards we have and the rewards we have earned on them. I do a lot of switching around thus, the small amounts on some of them.

American Express Blue Everyday (CCF) $235
American Express Blue Everyday (DH) $199
USAA $117
US Bank $140 (a 5% saving off our cell phone bills)
Citi ThankYou Preferred $58 (cancelled this card)
Chase Freedom $40.60
Target $40 (from 5% savings)
Discover $28.49

I can't complain. That is decent savings! And we paid zero interest on our cards by paying balances in full each month!

Snowflakes

December 20th, 2016 at 04:35 am

I'm trying to focus on snowflakes to keep me positive rather than focus on all the money going out. Of course, I'm not ignoring it.

Money going out includes the unexpected expense of the vet visit on Saturday which was $385. And today we have our truck in for 90K mile maintenance. I guess for everything they are doing it will be $750! I only have $100 set aside specifically for car maintenance as I thought we only needed an oil change and tire rotations. Bad planning on my part. We do have the cash, just need to move money around on YNAB.
Tomorrow we have appointments for passport application, including photos. That will be $450. I did set that money aside.

The snowflakes are minor in comparison.

I did get a $15 credit from Southwest for the Early Bird that my daughter didn't get the advantage of on her recent flight because of cancellation and rebooking. I was thinking $30, which is what I paid, but half of that is for the return flight in January.

I earned $3 from Pinecone. I'm currently having it transferred to my PayPal account.

My husband is home today. I'm hoping to have him call (his name is the only one on the account) the cable company and change out our set top box for a digital adapter. We don't have the channels anymore that required us to have it. And that has been a year, and we can save about $10 a month by making that change.

I had ordered my daughter three pairs of jeans from Kohl's and had them mail to her dorm. She only liked one. We are returning those today. We may order another one of what she liked. If we return both I will have nearly $80 back in our account, or $40 if we order another pair. We will try to find a pair in the store, but I'm not confident that will happen.

I have close to 1000 Swagbucks in my account. I earned $20 in Amazon gift cards this month, and will probably accumulate more before I cash out again. I'm not spending a lot of time on it, but it does add up!

I'm making myself a note that I want to try to figure out how much I accumulated in snowflakes this year. It won't be exact, but more like a ballpark figure.

Do you have any recent snowflakes?

Bills Paid, A Little Spending

December 15th, 2016 at 06:13 pm

I paid our credit card bills off in full and allocated funds to our budget categories for the rest of the month. I feel like I didn't save much as I was putting extra aside to cover hotel, eating out and fuel on our little trip to Nashville later this month. I hope we spend less than I budgeted!

I spent $18.75 for shipping a Large Flat Rate USPS box. I printed the label online and will drop the package off tomorrow morning. So much easier than standing in line this time of year!

I also bought a new filter for our refrigerator and a 2017 wall calendar off Amazon today. I had $20 in Amazon gift cards that I earned from Swagbucks this month. My final cost was less than $3 and I paid it with my Discover card to get 5% cash back (which will be sooo much in this case).

I did a lot of desk work today. I cleaned up my email inbox. I keep emails as reminders, so later I need to go back and delete them when they are no longer relevant. I consolidated some lists, and then started new ones! As the year winds down, I'm starting to make appointments for the new year, as well as saving documents for taxes.

I think tomorrow's spending will be limited to my husband picking up the weekend alcohol. We were already gifted a bottle of German wine to add mulling spices to, however, I think we will save that for Christmas.

The first of the month has been limited spending and it did help to use up some of the food we hadn't been getting used up. So in addition to meeting a financial goal, it has helped our kitchen food clutter.

Snowflakes Are Coming

December 12th, 2016 at 11:29 am

We aren't getting snow here. In fact in our area it was just rain this morning. I'm referring to the money snowflakes. Or found money.

We were charged a $15 fee from Verizon for going over on our data this last month. The main problem was my husband early in our billing cycle updated all his apps while using data rather than wifi. That made traveling over Thanksgiving a bit harder. We had a few times we used my phones GPS while out driving which takes a lot of data. You have no idea how hard all four of us tried to stay under the amount once we were getting notifications. In the end we used 0.040GB more than our allotted amount.

I went online through Verizon's chat feature and asked for the fee to be waived, explained we didn't want to change plans since that would more money out of pocket over time than the fee, and explained we never go over. They did point out the new plans do have rollover data. But the immediately granted me a waiver of the $15 fee! I was very pleased.

I did some spontaneous paper decluttering this weekend. I came across billing from my daughter's oral surgery. I had made a note that we overpaid by $26.20, however I never called to get the funds back. I did make that call today and I should have a check in 4-6 weeks (I hope it comes faster)!

I thought I was getting $20 from an Ooma referral, but that must not have panned out. Maybe the person returned it. And I thought our USAA Subscriber's payment would go up like it has every year, instead it was far less! Last years amount was about $85. This year we received $45. I'll take it, but I was disappointed.

I'm keeping my eye out for other snowflakes coming our way! How are you doing with snowflakes this month?

Boxed Savings

December 2nd, 2016 at 04:15 pm

I think I've mentioned the two other times that I made purchases at Boxed.com, so I might as well mention my third order. I snagged our favorite Dunkin Donuts coffee, 96 count Always, 67 oz Prego pasta sauce AND as set of 6 Cuisinart knives. I wasn't looking specifically for knives, but I had seen a similar set at some store and I really do need them!

My order total before rewards of $17 was $68.92. I charged the $51.92 to my husbands American Express card. He had an offer for Boxed.com. Spend $50, get $15 cash back. The final cost out of pocket will be $36.92. I basically feel like I got the knives free and similar prices for the other items that I would buy at the Commissary anyway.

If you are interested in $15 off a $60 order, use my link here. I think that allows you to get free shipping. I do like to buy in bulk when I know that the price is just as good or better than what I would pay in the store. It's also nice to stock up and know we won't need to run out to the store for the things we are stocked up on. Smile

Expected Snowflakes & A Cookie Recipe

November 30th, 2016 at 06:36 pm

I'm expecting some snowflakes (found money) in the next couple weeks.

My sister owes me $36. I forgot to ask her about it when I was visiting, but she will mail it to me.

I'm pretty sure Ooma will be crediting my credit card at least $20 for a referral here in a couple days.

USAA provides a subscriber discount every year. Last year it appears to have been over $80, so I expect it will be just a bit more.
I noticed I also have $42 in rewards with our USAA Visa.

And finally I also have $19.47 in my Paypal account that is from two small eBay sales. I'm withdrawing it to our savings account.

That is $155 worth snowflakes! I love snowflakes and found money. I haven't been tracking well at all this year. I hope to get a new start in 2017.

I made Gingerbread Crinkle Cookies for the first time a couple days ago. They are yummy and actually pretty easy. I have enough molasses to make a second batch. And I have already frozen them. They look just as good coming back out of the freezer too.


Cancelled Another Credit Card

November 28th, 2016 at 05:48 am

I cancelled another credit card last night. It was my Citi Thank You Preferred card. I've had it for awhile, and noticed we had added new cards and were using those more. Why keep extra cards if they are never used, right?

I simply sent a message through our account requesting the cancellation. I had a super quick response and when I logged back on the account had been closed. Easy!

The next step is to record in my notes that I cancelled the card and cut the cards up. I kind of like the finality of cutting up a card. I also moved the card account on YNAB to the closed account list. Smile

We still have TEN credit cards open. Want to know what they are? Sure you do!

Target Red Card (5% off Target purchases)
US Bank Visa (5% off cell phone bill)
Chase Freedom (rotating 5% cash back categories)
Kohl's (various discounts)
Discover (rotating 5% cash back categories)
Southwest Visa (miles to fly on Southwest)
USAA (1% cash back)
American Express Blue Cash Everyday (various cash back, plus 3% grocery stores, 2% gas stations) (we have two of these)
Marriott Rewards Visa (hotel rewards)

I'm considering getting rid of Chase Freedom, although I've had it for a long time. I also probably don't need the USAA either, but currently we are using it for most of our expenses. I'm liking how quickly USAA is adding the cash back to our rewards account. And there is no minimum!

The cards that I'm finding most difficult to actually use are the Southwest and Marriott cards as their rewards are miles and hotel points. We pay annual fees for these cards! I'm NOT getting rid of Southwest though, because I do charge airline tickets at least four times a year. I am getting benefit from it. I haven't decided on the Marriott card yet. I think I need more time to decide and figure out how fast I could accumulate points if I used it more regularly.

How many cards do you have?

We have credit cards, but never pay any interest on our charges. All balances are paid in full by the due date, or before!

Christmas Savings

November 14th, 2016 at 04:21 am

We save $50 a month towards Christmas spending. Before November I had $500 already set aside. I'm about to add another $50 on payday tomorrow.

I've already started buying gifts! So far that spending is about $140. I expect I will be done buying gifts before I fund the Christmas account for December. I'm going to try to keep the spending to $550 just for this reason.

I think in years past I used found money, or snowflakes to help fund Christmas. I probably blogged about it here on the blog. I'm still getting some snowflakes but I just put them in our general savings account. They end up being applied to college expenses for the most part.

Some recent snowflakes:
$5 Amazon gift card from Swagbucks
$5.72 from Ebates
$3 from Pinecone
$22 eBay sale
$25 flute lesson refund (hurricane related)

I think there may be some other snowflakes I could list, but they are not coming to mind right now. I haven't been as good at tracking them this year!

How do you save for Christmas?

$11 In My Wallet

November 7th, 2016 at 06:27 pm

I ended up with $11 in my wallet after the weekend. We usually have cash on hand for all our marching band adventures. The season ended Saturday night on a high note. Our daughter's band was named Grand Champions at their last competition!!

Today I gave my daughter the $11 to donate to school. They are collecting funds to purchase grocery store gift cards for those in need this Thanksgiving. She gets community service hours for her donation; one hour for every $1 donated. So our small donation saves her from actually volunteering 11 hours of time! I did tell her she could use some of her own money to add to it if she desired. Not sure she is as I think she is hoarding money for her Europe trip.

So other than that donation, it was a no spend day. I'm hoping to gain some bookstore credit tomorrow when I sell some books and CDs.

Snowflakes

October 14th, 2016 at 05:38 am

I have some snowflakes to report. And they all go to pay down the Europe trip.

$17, USAA Visa Rewards
$3, Pinecone survey
$2.32, Ebay sale
$1.08, Discover Rewards
$0.07, Checking account interest
$23.47, TOTAL

Now under $4,700, with a payoff total of $4,695.53.

Today is payday, but we won't do our budget until Sunday most likely. I expect we will have some funds to throw at this.

September Interest

October 2nd, 2016 at 07:14 am

I totaled the interest on our cash investment for the month of September and came up with $80.18. I think this may be the highest monthly total in awhile. Not positive on that, as I don't track it anywhere but in my blog posts. It would be higher as I have more money at invested at higher rates (2% plus) than ever.

I sure wish it was more, but $80 month does equal $960 a year that we don't even have to work for. Smile

A Snowflake & Bill Pay

September 22nd, 2016 at 02:40 pm

On Saturday, a check arrived in the mail from our old electric company. It was a co-op so it was a return of capital credits in the amount of $19.07. I added that snowflake to our savings account.

I went through all of our accounts on YNAB today to make sure I had all of them reconciled. It was pretty easy since I had recently paid all of them down to zero! We really need to close some of our credit card accounts....as I'm really liking the idea of simplifying those.

I sent a payment to my sister by Bill Pay last week for a fundraiser her daughter was doing. I honestly didn't want the stuff, so let her girls pick candy, figuring it was a consumable and wouldn't add to the clutter, but would still support the school. This made me realize, I should use Bill Pay for our rent! I've been writing out the check and envelope and slapping a stamp on it every month for over a year. I was always so used to a mortgage payment being automatically deducted. It was nice! So I'm giving the landlord a heads up that the check may look different. I don't think there will be any issue, and now I know I won't forget, which almost happened this last month.

I use Bill Pay for our trash service, but all other bills are automatically paid from a credit card or checking account. What do you use Bill Pay for?

Vet Expense & More

September 20th, 2016 at 01:49 pm

One of our kitties isn't feeling so well. GI imbalance the vet says. I did get my first visit free, but a test and meds cost me $80.92 today. I don't like that she isn't doing well or that I had to spend money, but that is how it goes. Will try to have this expense come from this pay period and avoid pulling what I put aside for savings a few days ago.

Yesterday was spendy. I bought some goodies to send in a care package and then mailed two packages. I wasn't exactly looking to spend more than $15 on the gifts, but ended up finding a few more items for another $15. Not a big deal really, and I don't have any regrets. It just all added up fast!

I sold an item on eBay. Look like I will net about $6. I almost gave up on that item even selling, so that was a nice surprise!

Snowflakes

September 14th, 2016 at 05:50 pm

I redeemed some credit card rewards this week. I had enough points to redeem a $50 gift card to Target. It's on it's way in the mail. I also redeemed just under $7 from US Bank (which is 5% off our cell phone bill each month). I requested this as a statement credit. I also intend to redeem $17 from USAA on our credit card account. Turns out that is the total cost for our Netflix subscription and Ooma telephone for the month! I will redeem for a credit and save that money in our savings account.

I used a Staples gift card (a previous credit card reward) tonight to buy a ream of paper. The cost was $0 out of pocket, but the actual ream is $2.99 (after rebate). Did you know that Staples sells one ream of multipurpose paper (500 sheets) for $7.99? There is no way I would have paid that with out the $5 rebate. The rebate won't arrive for 6+ plus weeks. It comes in the form of a Visa Prepaid card. Essentially, I shift some of the Staples cash for Visa cash, which is a much better deal!

Yesterday we only spent $10 on three items (all needs) and today $0 out of pocket since I used the gift card to buy the paper. Tomorrow is payday!!

Update From Last Post

September 12th, 2016 at 06:01 pm

Turns out the tire wasn't leaking air. We think I saw another warning light and didn't look closely to realize it wasn't warning me about the tire. So all is good. And the warning light has not returned!

And even better news, the air conditioning is working. In fact, we got it working on Friday night. We turned it off for several hours since it seemed it wasn't doing any good having it on. In the meantime, the temperature rose to 87 degrees. We decided to turn it back on and see if it would do anything. We left the house for about four hours and the temperature returned to 80 degrees. By Saturday morning it was cooling as expected! So our landlord canceled the appointment for service that was originally scheduled for today.

I did sell two small items on eBay in the last few days. I paid my fees and have the money being transferred to our savings account. I do like accumulating snowflakes.

Today was a no spend day! I don't expect much spending before payday on Thursday. Right now, I know I owe my sister less than $20 (waiting on the total from her) and I need to buy hair products.

2016 Snowflakes, Sort of an Update

August 30th, 2016 at 06:50 am

I have not done a great job of tracking our snowflakes this year. Well I did a good job through part of March. I have an Excel documenting them up through then. The total on those is $216.54.

A lot of snowflakes get absorbed into our budget and don't necessarily become savings. At least for parts of this year. I did get quite a few rebate checks (over $200) that did get put into savings. I also starting diverting eBay proceeds to our savings account as well. It's those credit card rewards that get absorbed into our spending on YNAB.

I can tell that the snowflakes diverted to our savings account are equal to $566.58. But again, I didn't track any credit card rewards since March!

I do know I redeemed $550 rewards from American Express Gold. So that means we have over $1000 in snowflake earnings this year. It is probably closer to $1500 with interest and other rewards I'm not listing. By year end, I can probably get a final picture.

I just wanted those of you who know and have read in the past all about my snowflake earnings, that we are still earning them and saving a majority of them. I'm just not doing a great job of tracking them.

I have let go of actively earning Swagbucks for now. It was taking up to much of my time. I wanted to put more focus into my health and mental well being. I found that Swagbucks was contrary to both of those. I did like earning the points and the gift cards, but sometimes other things are more important that free cash! I'm actually still earning some by default from people that are referrals. I have 300 points right now and did nothing to earn them.

I'll try to be a little better about pointing out the little amounts of money we earn. They really do add up! I mean I could pay 1/2 my daughter's tuition (not housing) this semester with the money we have earned in snowflakes. That's not a bad thing at all!

Ebay Sales, CDs and More

August 24th, 2016 at 05:41 am

I've sold a few more items on eBay. I netted less than $15, but that is money in and stuff out, so I'm happy. I have eight more items listed. I'm not sure they will all sell, but if they end without interest, then they will get donated.

I haven't had a Pinecone survey lately. Although, I know I've done some of the household questions. I decided to log on to their website. I found I had $3 that I could cash in. Nice surprise!

I'm transferring more money from our money market account to Navy Federal Credit Union. We had a certificate mature and they now have an offer of 2% for 20 months, up to $20,000. I decided that 2% is better than .95%, so I'm going to maximize the amount we can invest.

My daughter did get marching band changed to zero credit. The other one credit needs to stay as it is. She has 13 credits officially, we will pay about $3300 out of pocket, after scholarships for the tuition and fees. Total for books and supplies will be known shortly. She has to order a specific dress for choir, not sure yet on it's cost.

Ebay Sale & More

August 17th, 2016 at 07:09 am

I made another small eBay sale yesterday. I probably only netted about $5, but that's fine. Item out, money in!

I've redeemed some rewards on credit cards recently. American Express for a $25 credit, which helped offset the charge for vitamins I bought my husband. I also redeemed just under $7 on our US Bank Visa to reduce our cell phone bill. I love the 5% cash back on cell phone bills!

My daughter left her rain jacket at home, along with several items for cooler fall days. I shipped them out yesterday, along with her bus pass, in a Large Flat Rate box. I paid $18.75. Ugh! I hope she didn't forget anything else!

It's been a calm week here so far with limited spending. I even tried to convince my daughter she may want a new shirt for picture day. She said no, she has something in her closet to wear. Turns out its the same shirt she wore last year, only in a different color! I guess that is okay. Her hair is shorter, so it will look different. She's a practical girl. Smile

I guess I should have factored in school pictures to my budget this month. They are bound to happen that first week of school. I think she will owe some class dues. Only $5 last year, but may be more as a junior.

Another Sale

August 13th, 2016 at 06:42 am

I sold another item on eBay. Net profit $6.74. Less stuff, more money! I will put this in savings.

I've been motivated by my daughter going back to school to sell some things, just to help offset costs. In no way does it cover the cost, but every little bit helps!

I need to get on the ball and get more listed. Tuition and housing are due September 12. I have yet to calculate total bill, but I'm thinking at least $9K for the semester.

Vintage 80s Sale

August 11th, 2016 at 06:50 pm

I've been minimizing lots of things, including keepsakes. Earlier this year, I took apart the scrapbook I made as a teen. Most of it was junk!! However, I did set aside a park map from a Disney park I visited. It was actually selling on eBay. I listed it about two weeks ago and it sold last night.

I know have a quick $8.40 in my pocket after fees. I put the money into our savings account.

So check any vintage keepsakes for some hidden value!

Potato Class Action

August 6th, 2016 at 01:29 pm

Last year around this time, I submitted a claim to be part of a antitrust settlement regarding our purchase of potatoes. As usual, I don't remember the requirements. But today we received a check in the mail for $30.49!! That's a big amount.

Just for kicks I went back in our records and found we have received $202.28 from class action settlements since the beginning of the year! Nice snowflakes hanging out in our savings account.

I believe I have become aware of all of these from this website. I don't fill out any that I don't legitimately have claim to.

Rewards

August 2nd, 2016 at 12:06 pm

I used $4.44 from Discover rewards to make a purchase of ink for our printer on Amazon. After the reward redemption, I spent just over $17 for color and black high yield ink, remanufactured. It's been quite some time since I've bought ink for the printer. More school work done online and less coupon printing I think.

I also redeemed some Marriott points for a hotel room the night before my daughter flies off to college. She has an early 8am flight and we live 1.5 hours away. It's just more relaxing for everyone to be in the town the night before.

My husband wants me to buy his preferred vitamins from GNC. I thought Tuesdays were usually their best sale day. Right now I'm not seeing the deal I'd like, which is buy one, get one! I may need to wait another week, unless I can round up some other ways to reduce the cost!

Unexpected Snowflakes

August 1st, 2016 at 04:46 pm

I was reconciling our Citi Thank You card on YNAB today. I still don't have it quite balanced, but I did find two $25 Category Bonus that were applied on July 12. I didn't have any points to redeem, so these must have been applied from some promotion. Not exactly sure what that was! So an extra $50 is a nice surprise. I added this cash to our emergency fund.

The other surprise was a class action settlement from Kashi that arrived in the mail today. It was for $44.08! I quickly deposited it to our savings.

I added up the interest (which was expected) earned in our savings accounts for the month of July. A bit fat $81.35 to add to our savings. We never spend our interest. We just let it keep accumulating. If I had some sort of debt, I would be throwing it that way!

Since I was thinking about early retirement. I looked up the dividends we've earned from our investments last quarter. $1518.17 from our investments at Vanguard. This was the total ending June 30. My husband has an account with American Funds and that one paid $860 in December. It seems to pay annually. Currently these are all reinvested. But in retirement these could be withdrawn. If those quarterly amounts were somewhat equal that would mean over $6K in income based on what we currently own. That's very promising!!

Amex Rewards: Gift Cards

August 1st, 2016 at 09:47 am

My husband got a American Express Gold card earlier in the year. I believe the offer was to spend $2000 and receive 50K reward points. We did the spending and the points accumulated to just over 51K. Last week we finally went through the process of redeeming those rewards. It wasn't as simple as ordering online, although I tried. In the end, my husband had to talk to customer service to confirm the order wasn't fraud. I suppose that is because the order was for over $500 worth of gift cards!

The cards we ordered arrived three days later by UPS. No need to sign for them, just dropped on our front porch.

We got cards to places like Home Depot, Staples, Bath&Body Works, Chili's restaurant, Bone Fish Grill, and iTunes. There weren't not as many options as I would have liked to be honest. The Target and American Express gift cards 'cost' far more points per dollar than the ones we did redeem.

On Saturday night, three of us went to dinner at Chili's. The bill was $45.29. I had the server run the card, left the balance and a $5 bill as a tip. So only $5 out of pocket for three people to eat. That was nice!

I now see that I'm eligible for this same credit card offer when I log into my Amex account. It might be worth it...just wish the rewards were better (to places I tend to shop).

One Way Ticket

July 26th, 2016 at 07:20 am

I just bought our daughter a one way ticket back to her college town. She leaves in about two weeks! So sad to see her go. Although she is super ready to get back to her friends and her routine.

The ticket cost me $250. I wish I could have bought it last week when prices were closer to $190! We just didn't have the dates confirmed at that time. I'll watch and see if it changes in the next 24 hours and attempt to change if it goes lower.

I was attempting to redeem our American Express rewards for gift cards today. I got some message that we need to call to complete order. This is on my husband's account, so I'm going to have to have him call when he is able. Maybe it's because it is for over $500 worth of cards? I did all the extra confirmation to confirm it was us. Who knows! Just a big frustrating. ETA: Well, American Express called us not long after to indicating fraud on the account. Then we called them back, since we don't give personal information when we receive a call like that. But really there was no fraud, they were just making sure the redemption was legit. So all the gift cards are on their way here.

Deal on Toilet Paper

July 19th, 2016 at 06:59 pm

I purchased THREE 27 roll packages in March for $15.99 a piece with a $15 coupon involved. We ran out of this huge stock pile of toilet paper more than two weeks ago. We bought a 12 pack and it felt like we quickly ran out again. I realized I really like being stocked up on toilet paper!

So I went looking for toilet paper to stock up on. I will admit that I was specifically looking for Scott's 1000 toilet paper. I found a deal at Boxed.com. I hadn't known of this company before. They were selling 36 count rolls of Scott's 1000 toilet paper for $23.99 with free shipping. I could get 15% off my first order. I decided to order four packages! My total was $81.57 after the discount.

Even better, I found out I could use my American Express card and get $20 off if my total was $50 or more. In the end I got 144 rolls of toilet paper for $61.57 delivered. That is $0.43 a roll. I think this will last us at least half a year. Although originally when I ordered I thought it would be a full years worth, but looking back at my notes for the last purchase, I think 6 months is more likely.

Boxed.com does have lot of items that one could stock up on. And there is some sort of point system, although I haven't figured out how great that is or isn't yet. If you want to place your own order for $10 off your first order, please use my promo code QV6LX.

I'm tempted to order another four more packages using my husband's American Express to get another $20 off and count us as stocked for the full year. I do have the storage in the garage, so that isn't an issue.

What do you like to be stocked up on?


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