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Archive for January, 2017

Continuing Frugal

January 31st, 2017 at 08:42 am

I think we are continuing our version of frugal through mid February. That is when tuition is due, so I want to keep the spending to a minimum. My husband and I discussed greatly reducing our alcohol intake primarily for health reasons, but that would be very good on our budget. I will let you know how that works out.

I just ate leftover mushroom barley soup for lunch today. I pulled that out from the freezer. It was probably two servings, but I ate them both! So yummy and really not very caloric. I think I may be having soup all week, as I have a can of soup in the pantry and another soup in the freezer (Moroccan Lentil).

I will need to grocery shop today. I need apples and crackers for my daughter's lunch tomorrow. I made a list of other items to cover the rest of the week. I will buy today, but count the purchase as a February expense.

I checked our bank accounts this morning. The tax refund and my husband's paycheck are both pending for deposit tomorrow! I plan to redeem shares from my daughter's Educational Savings account tomorrow to cover a portion of the tuition bill. At this point we appear to be about $600 short of what we need. As I have said all along, I will use our regular savings to cover the shortfall and pay ourselves back. No loans for her or us this semester is the plan, and I'm sticking to it!

Oh, I saw [url=http://secretbluebutterfly.com/]this[/url] on the SA forum this morning. It's under freebies, but it is more about spreading kindness and love. Check it out if you are interested!

School Supplies & More

January 30th, 2017 at 01:58 pm

Today's big spending was on a binder for school. The cost of it was $7.21 with tax at Walmart. It wasn't the cheapest option. She chose one that she know will hold up for the semester. She is a bit hard on them!

My daughter's new debit card for her checking account arrived today. We have now activated it. She also deposited her two checks received at Christmas into her new account, using our mobile app. We also ordered checks. Luckily they just send 40 at a time now. I wonder how long it may take for her to use those up! The checks are free through our bank.

I ate leftover fried rice with tofu for lunch. I think I cooked the tofu just fine. I did use turmeric to color it, so it did remind me of having eggs in it. My daughter decided she didn't like the different texture of tofu with the rice though. Lucky for her we are just having pasta and broccoli for dinner which she does like.

We did go to the store last night and picked up several items, primarily cereal and milk. And two snacks. I think there was something else too. We spent about $14.

Oh, and I had to buy fuel for my van! I was literally on empty when we went to the grocery store. I only filled it up halfway primarily because the pump was VERY slow. I spent $20.02.

Isn't it hard to believe January is about over?

More Credit Card Rewards

January 29th, 2017 at 07:52 am

I redeemed $12 from our USAA Visa rewards. That money will be deposited in our checking account on Monday. I have designated those funds toward tuition, of course!

I plan to redeem rewards from our Chase Freedom account, but not until after the next statement closes which is on February 12. I will have already paid tuition at that point, but the rewards will help start building back up some of the savings accounts we have designated on YNAB. The thing I don't like about Chase Freedom rewards is that you can only redeem in full after you have earned $20. I currently have $21+ I can redeem. However, I expect with this next statement to have another $2. So I will wait and have that money added to the current balance and redeem in full, rather than have $2 I don't have access to if I redeemed now. We are going to stop using the Chase Freedom card for awhile, so there will not be any rewards accumulating in the near future.

We went to Panera for dinner last night. We spent $33.20. The movie tickets cost us $22.47. We enjoyed the movie, the meal and time spent with our daughter. After that spending our everyday funds account is down to $198. My husband needs to take $100 out for a work trip (reimbursed later) this week. So that leaves $98 for the next three days. I may need fuel, but I think we can get by with food on hand until payday on Wednesday.

The only spending that could come up is any school supplies my daughter might need to start the new semester. One teacher has already requested students bring ruler, calculator, spiral notebook and colored pencils. And I'm 99% sure we have all of those.

I think I'm going to keep myself busy the next couple days doing some cleaning around our house. That shouldn't cost me anything!

Refund Arrives Wednesday

January 28th, 2017 at 08:55 am

Our tax refund is scheduled to arrive in our bank account on Wednesday, February 1. I submitted them on Sunday, January 22. That is a pretty fast turn around! That $1497 refund is going straight to pay the tuition bill, which has been my plan all along.

I forgot to mention that I redeemed our Discover Rewards and had them deposited in our bank account this week. A whopping $3.37. I seem to earn the least amount of rewards from this card. We don't use it much, so I think I'm going to close it in my desire to keep things a bit simpler.

We are going to a matinee movie today. We are going to see Moana, which our daughter is interested in. We will pay $6 per person for admission. Afterwards we may stop for a quick dinner as our celebration of the first semester ending. It may just be Subway. I do have coupons there that expire tomorrow.

Tomorrow we will probably have fried rice for dinner. With tofu, which I have not made in years. Any advice for using it with fried rice? Do I just drain, cube it and add in?

Used The Rice

January 27th, 2017 at 07:18 pm

I used up the arborio rice this evening when I made mushroom risotto. I also used up the white cooking wine. Bonus!

I stopped at Walmart, after finally dropping off library books, and picked up the fresh parmesan cheese for the risotto. That was my only spending today. My husband picked up his usual Friday alcohol, although he did buy one less bottle. So that helped save another $10.

It's not particularly frugal but we may go out to dinner tomorrow night. Our daughter finished her first semester of her junior year this week, and it feels like our first free weekend where she has zero homework. We want to get out and celebrate!! I'm guessing she will chose something simple so it won't get too out of hand with the spending.

Payday is on Wednesday. We have $254. I'd be thrilled with at least half of that to apply towards tuition due February 12.

$20 Snowflake

January 26th, 2017 at 02:41 pm

I was surprised today to see a $20 credit on our credit card from Ooma. I thought I was going to get that last month, but when I didn't see it I figured the referral didn't pan out. But it did! That snowflake is going towards tuition.

I spent $6 on a soda, two avocados and chicken broth. I was going to make a mushroom risotto tonight, until I realized I didn't buy the parmesan cheese for it! To avoid another trip to the store today, I decided to just make fish and stuffed portobello mushrooms for dinner. And of course, we still have a lot of salad to eat as well.

I did some more sewing today, just because it made me happy. I'm focusing on feeling good rather than feeling bad. Part of that means doing things I like and avoiding the news and Facebook that make me feel bad. I've seen far too many people thinking their point of view is the only way to think, which leads me to see them as uncaring and unkind. That isn't how I want to think!! So avoidance is best at this point. I think all people have the ability to be kind, compassionate, forgiving, accepting and patient. And I'm going to focus on that as much as I can in the coming weeks and months.

Rising Stock Market Plus More

January 25th, 2017 at 04:40 pm

The stock market is up today! The Dow Jones Industrial Average even closed above 20K points for the first time ever. I checked out retirement accounts and today alone our balances rose $3,318! And we are up $12,981 since the beginning of January.

I am able to see my husband's LES (pay stub) for next week's pay. The change for withholding was made, but they don't seem to be showing the 1% increase to his TSP. This means his check was slightly inflated. It shows online that the payment is processing, so I guess I didn't meet the deadline to make that change for this month. Oh well, it will all work out.

I input my husband's net pay into YNAB. I figured out that I can add at least $815 from that check to apply towards tuition. I may pay our high electric bill AFTER the 15th of February, so I can apply the cash I set aside for it to tuition. Again, I'm trying to avoid taking any cash from savings, so it really is about cash flow and adjusting when I make some payments.

I spent $7.32 today on two things at Walmart and postage to mail two packages. I'm watching my fuel tank to see if I can't wait until Tuesday to fill up. That may be pushing it, but I will try.

Dinner was breakfast foods. I made pancakes for our daughter and I. My husband came home later than usual, so he made himself some eggs. Tomorrow we will finally use up the arborio rice when I make a mushroom risotto.

Soup, Sewing & Southwest

January 24th, 2017 at 06:30 pm

I ate soup two times today. That one is now gone. I have two other kinds in the freezer, which we will likely eat later this week. It feels like we are doing pretty good with the food overall.

I did my sewing today. I made [url=http://www.theidearoom.net/fashionable-fabric-key-chains/]two keychains[/url] and four little [url=http://twobrownbirds.typepad.com/two-brown-birds/free-pattern-ahhtishoo-travel-tissue-cover.html]tissue covers[/url]. I put links to the instructions I used, if you are interested. I've made the key chains before. The tissue covers were new for me to sew, but they are super easy!

I heard from Southwest Airlines that they will refund the Early Bird fee I paid. This was for a flight that they cancelled when my daughter was trying to get back to school. That is $15 back in my pocket. I also read that Southwest Rapids Rewards program is changing a policy about transferring hotel loyalty rewards to their program AND allowing it to count for the Companion Pass. They have extended the grace period so they can count until March 31, 2017. We have started using our Southwest card again and are hoping to rack up enough qualifying points to make this possible. We have Marriott Rewards that could make this happen much easier. Now that I know the deadline, I may consider moving some of the rewards to help make this happen. [url=https://www.southwestaircommunity.com/t5/Southwest-Stories/Companion-Pass-qualification-changes-in-the-New-Year/ba-p/50377]Here is the post[/url] on Southwest's website.

I was tempted to run out for a couple things today, but decided they could wait. I will need to go to the post office tomorrow or Thursday to mail the gifts. I will pick up those few items at that time, thus saving some gas and time!

Although, I'm remembering I did spend some money today. I ordered an item for my daughter for her birthday in March. She gave the hint last week, and the item could run out...maybe. I decided since I had money in the birthday account to just get it done!

I also opened up a Youth Checking account for our youngest daughter today. I had to put in a $25 minimum deposit. I figure my daughter can write me a check to pay me back as a good way to start understanding check writing. I think she probably already knows, just hasn't actually done it herself.


Soup from the Freezer

January 23rd, 2017 at 06:46 pm

I thawed soup from the freezer for dinner tonight. I may have thawed a bit too much, but I will eat it for lunch the next few days. Tomorrow night we will have pasta with salad. Actually, I might have soup with salad, and just make the pasta for DH and my daughter.

My sister and mother's birthday's are fast approaching. My sister and I have an agreement not to exchange these last couple years. However, I'm thinking I may sew them each something. I noticed one of the lanyards I made for my sister was looking quite worn last time I saw her. I feel pretty confident I have fabric on hand that will work. Cost will simply be mailing the package, less than $3 each is my guess.

I sold some Box Tops on eBay! My net profit is $11.37. Actually a bit less, since I did put a stamp on the envelope. I'm also redeeming 300 points with Pinecone. That $3 should arrive in my PayPal account tomorrow. And finally, I have enough SB to redeem for a $5 Amazon gift card. I may just keep accumulating and go for a $25 Paypal cash, it depends if I find something on Amazon I need. Smile

Our tax returns were accepted. I'm going to log in tomorrow to see if the IRS indicates a date to except our refund. I know the site currently indicates 21 days or less.



Taxes Filed & More

January 22nd, 2017 at 07:25 pm

I went ahead and filed our taxes. All of our tax forms arrived. We take the standard deduction, since we no longer own a home. This was probably one of the easiest tax filing years ever, honestly. We are getting a $1497 refund. All of which will go towards the tuition bill due February 12. And as I said in my last post, I did adjust withholding to avoid the big refund next year.

We went grocery shopping today. I honestly didn't use any coupons at the commissary, however I spent $102, which did include several wants. Overall, this is a very decent grocery bill for us. I did inquire about the items that we paid for last week, but were left behind. I had my receipt and they had recorded the items I left. I was simply told to go get the items and they would sack them up. It was almost too simple! At least $10+ worth of stuff was not lost.

The week after next my husband will be gone for about four or five days. I'm going to consider skipping my regular grocery shop and see if I can't get my daughter and I through that week without buying much at all. If I can do that I just might be able to save the $83 left in the grocery budget.

My husband was going to get a haircut today as he primarily needed his neck trimmed. He did mention that we should buy a new trimmer as we have been without one for awhile. He even pointed out the trimmer might cost the same amount as one haircut! Well, the one we bought was $24, and his haircut is usually $13. So one more trim and we will have made the purchase worthwhile. We also talked about cutting his hair at home. We did try that at one time, and I now can't remember why we didn't keep it up!

We have $323 left in our Everyday Expenses category for the rest of the month, just nine days. I feel pretty good that we can keep more than half, maybe even $200 of this money to send in towards tuition.

We were notified by my daughter's flute teacher that she needs to take the next four weeks off from teaching as she has a gig at the community playhouse. We do have the option of another teacher, but my daughter who has been packing in two AP courses in one semester (finals are this week, exam in May) just would like a break. This is going to save me $100! More money I can apply to tuition!!