I'm still waiting on the airline refund, but I did receive the refund from the orthodontist in the mail today.

I called the orthodontist's office just yesterday to explain that the insurance is paying more than they originally calculated. Remember, I had paid in full for a 5% discount after the insurance money was applied. They were more than happy to refund my $76!

The made the check out to my husband. I guess it is only fair...he carries the insurance and makes the money! I just need him to sign the check and it will be in the bank!!

I'm always a little antsy the last day of the month. For one, it is the day before payday. I can actually see the pay pending in our checking account on this day! I occasionaly see that large sum of cash for its possibilities. Yet it has responsibilites, too.

On this day I look forward to seeing the interest we've earned in our savings account. Although in the last year or more, that isn't much to talk about! It does add up and it is exciting to see our balance rise to new heights.

Sometimes, I'm antsy because the spending money is gone and I can't wait to get my hands on more cash! I don't feel prosperous with nickels in my checking account. It's like being told 'no' by a very harsh voice.

My feelings are mixed. I don't know whether I'm rich or poor. Sure, we all have feelings concerning money when we find an unexpected gift. A penny on the ground or a rebate in the mail. We are devasted when the car repair bill wasn't in the budget this month or our health insurance premiums rise.

My feelings about money seem to also cycle with paydays and calendars. Have you noticed the same thing? Is it just us financial types? Does everyone feel this way? I wonder if they felt the same in the days of bartering?

Just something to munch on over lunch...

Last night I received final numbers from my husband regarding his recent trip spending. Originally, I thought we'd get $300. Then I lowered my estimate based on his spending to $110. The actual number we will receive appears to be $271.68!

We are just waiting for the travel vouchers to be approved. Within a day or two we should have the cash! At the same time, we will receive the money we paid for that incorrect airline ticket. That amount is $644.00.

Here's the cash update:

$100 couch sale
$10 wood shelf sale
$150 excess funds from current paycheck
$888 excess funds Oct 1 paycheck
$644 army to refund an airline ticket
$271 per diem excess
Total $2,063

You might have noticed that the amount above is MORE than what we need to pay back our emergency fund for those braces. This could be completed this week...depending on that travel money payment!!

What a relief to see the end in sight!

I put three items up for sale on craiglists on Saturday after we purchased our new sofa. As you know, I sold the couch yesterday for $100.

This evening a woman paid $10 cash for an oak wood wall shelf. Yipee! I love cash in my pocket.

Two items down, one more to go. The final one, I'm actually torn about selling. I have it listed a little high. If and when I get an inquiry, I'll make the call about whether to sell it. I have it listed for $150. The cash would be nice. We still like the item. It just doesn't really match anything any longer, so I suspect it will end up in the basement pretty soon.

I'm expecting lots of cash to flow into our lives the next two weeks. I'm making the list primarily for myself...buy I know my readers and lurkers wouldn't mind a peek!

$100 couch sale
$150 excess funds from current paycheck
$888 excess funds Oct 1 paycheck
$644 army to refund an airline ticket
$110 per diem excess
Total $1,892

I have the couch money. The excess in the checking account right now won't be known until after Wednesday. The per diem amount is an estimate (DH spent more than I thought).

All of the above cash will go to paying back the emergency fund for the braces. We are getting VERY close to the goal!

Guess what? There's more money coming, too. In addition to future paychecks, I expect the following in the month of October:

$50 verizon phone refund
$76 refund from orthodontist
$10 my survey check
$50 global test marketing survey check
Total $186

Umm...I think someone is on my side today. I sold the ugly couch!! For $100. The cool thing is it is going to a college kid who is colorblind...he doesn't care that the colors are outdated! Perfect.

Turns out Wii game systems are on sale this week. I bought ours at Target. They dropped their price by $50! Since this is the only thing the girls want for Christmas, I jumped on it.

So a very spendy weekend in some respects. However, our spending money for the remainder of September sits at $200, which is awesome for us. I think I can use the most of this toward paying back the EF for the braces later this week.

It's all working out...even if the plan has changed a bit along the way!

Yes, Yes I did buy the sofa today!! I also bought a coordinating round ottoman.

Here's what has been in our living room:


To see what I'm getting in a couple weeks go http://www.redekers.com/pdf/1253535629-Redekers9-21Ad.pdf We are getting the first sofa that appears in the advertisement, but in the color of the sectional beneath that picture. We are also getting the round ottoman that appears with the sectional.

I'm thrilled!! We paid $762 for the two pieces. This includes our sales tax and $19 delivery!! Yipee.

I came home immediately and listed the two items above on craigslist. I've listed the couch before with no takers, so my hopes are not too high with that one. If they don't sell by the time the sofa arrives, I will donate them to the Salvation Army and take the tax deduction.

Crazy. We are thinking of going furnture shopping today. Of course, this is different than furniture buying, right?

We have a 90's mauve and green printed sofa in our front living room. It was given to us several years ago. At the time we kept it in our basement. Now...it sits in the first room visitors see. Ugh. I'm so tired of it. I tried slipcovers, but they are sloppy.

This week, I saw an ad for a couch I'm interested in. We are going to look at it. The ad states it is $499.00. Great price! But I need to see the quality.

I actually may go with it even if the timing isn't right. This couch is becoming a need. My sanity can't take much more of this crazy couch.

The couch is actually in great condition. No tears, holes, or rips. It's comfortable to sit on. It is ugly! Word to the wise, don't purchase a printed couch...it's just going to look outdated in 10 years.

go out to lunch. I went to lunch with my neighbor this afternoon. We picked a noodle place that had COUPONS!

We purchased two noodle bowls. With the coupon one was free. We opted for water, as well. I spent $3.60!!

Now, I'm off to purchase groceries to cover meals through the end of the month.

Yes, after four no spend days, I went shopping. A true planned outing of spending. Because I had coupons!!

I had two $5 off any purchase coupons for Old Navy. The girls need fall shirts. In the end, I bought four shirts for $20.14!!! A great deal.

I went with a friend. For lunch we picked up pretzels. With a coupon!! Buy 1, Get 1 Free. Total $2.75. My portion $1, since I did the driving. Yipee! Oh, that pretzel tasted soooo good, too.

I ended up with a no spend day yesterday with my Mom. She bought my lunch, bought ingredients for dinner and picked up the tab for a couple items at the health food store (items I intended to purchase).

We visited the new sculpture garden. It's so new they just took the fence down yesterday morning! The grand opening is on Sunday. I think the whole family will want to go then. I love free art. Oops, I did spend $0.75 to park my car. I guess I did spend money yesterday!!

Today, I have school activities to help with and a walk scheduled with a friend. I think today will be another no spend day! That will make 4 days if you are counting.

We still have $350 in our checking account. Payday is 8 days away. I'm positive we would have far less if DH hadn't traveled this month. There are still things to buy...groceries, gas, and a few fall clothing items for the girls. It's just nice to be in a good place!!

My husband has cash in a rollover IRA, that we are systematically moving back into the market.

Yesterday, with the market down, would have been a better day. But, I'm doing it today anyway. I'm no market timing expert, so I'm not going to pretend I am. The fund we are buying is still lower than it was several years ago. So, I think we are okay to move in and still find growth ahead of us.

Trade specifics:
$3,000 of Fidelity Contrafund (FCNTX)

I did make it through yesterday with out spending. In fact, I found a way to put a few dollars back in my pocket!

I turned in our cans and bottles to get our deposit money back. Yep, I live in one of those states where you pay a deposit at the time of purchase. So, I turned in $3.60 worth of bottles and cans. Yipee! Money in my pocket.

I checked our bank accounts today. We earned a mere $0.13 in interest on one of our checking accounts. They did reimburse us for $3.00 worth of ATM fees, too. Nice to have that money back!

Update: Turns out the sparkle fairy did not make a return visit, even though she knows my Mom is coming to visit today! Hmm. Sparkle fairy needs to get her act together! (Oh, if you don't know about the sparkle fairy, see the previous post)

Yesterday, was a no spend day for me. I'm hoping for a couple more this week, too.

I spent a good portion of my day deep cleaning the kitchen. There is still more to be done, but it is starting to shine! Here's what I cleaned:

Sliding glass doors
Kitchen sink blinds
Two lazy susans
Outside of dishwasher
Outside of stove
Outside of refrigerator
Under the refrigerator
Kitchen sink
Swept kitchen floor

I still need to clean inside and outside of the kitchen cabinets and deep clean the kitchen floor. I'm dreading the outside of the cabinets the most. They are painted white. As you can imagine, they are NOT dirty hand friendly! The cabinets were painted when we bought the home. They were the one thing we didn't like about the house. Guess what, I still don't like them!

I might play sparkle fairy some more today. Or not. Either way, I'm not spending money!!

Finally, I am pleased to report that I redeemed 1000 points with Global Test Marketing for $50!

This company begins payouts at 1000 points. And it seems to take quite awhile to get there. However, I do enjoy a $50 check once in awhile!

The check will take at least four weeks to arrive. Again, one must really have patience to work with this company.

Oh my! I have been doing many nerdy calculations regarding our debt. I'm obsessed with getting it paid off! But, I must admit that I'm getting tired of watching every penny. It's draining. It makes me feel poor, when we really are not.

My nerdy calculations show that the money for the braces will be paid back by mid October of this year!! Only one more month to go.

The calculations also show that we can have the home equity loan paid off by the end of February 2010! That's only 5 1/2 months away.

While paying the home equity loan, I decided it is important to save some cash along the way. I'm not going to send every penny into the loan, like I normally tend to do. That technique works, but it is stressful. For me. For my family. We leave ourselves without any wiggle room in the budget. I don't like saying, "Can we wait until next week to buy that?"

While we pay down the HEL, we will pad the extra checking account with savings for when life happens. We have our emergency fund, of course. This extra pad will just be available for when things come up that aren't emergencies. I guess its a way of planning for things that aren't always in the plan.

Honestly, we have had an extra pad in the checking account before. Turns out we don't have it any more. I guess what I'm really doing is setting it up again!

At any rate, I'm looking forward to February. I like that I've set up the journey there to be less stressful.