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Archive for November, 2019

Christmas Gifts, Dungeons and Dragons, Insurance and More

November 7th, 2019 at 01:00 pm

I've purchased several Christmas gifts this week. I have bought two items each for our daughter's. I also made a photo book for my husband through SnapFish. It is full of pictures of him and our daughter's. I originally planned to do the photo book for Father's Day but I didn't stay motivated and focused. I finally made the effort and got it done. It will be delivered by next Saturday and I paid $27 with shipping.

Our youngest daughter is starting to play Dungeons and Dragons with some new university friends. Does anyone have experience and point me to a book or something that might be helpful as she learns the game? I thought it would make a great Christmas gift.

Our renters and auto insurance payment made it on to our credit card yesterday. I do have the full amount saved, $2,616. I recalculated how much I need to save monthly in order to have enough to pay future bills and the registrations on all three cars and came up with $366. I had increased our savings after we got our daughter's car in May, but didn't quite start it soon enough, so I had to play catch up this last month. I'm primarily posting this for my own record.

With Veteran's Day coming up, the stores are offering all sorts of discounts. Amazon is offering their Prime Membership to military affiliated individuals for $79, which is $40 off the regular price. We actually just renewed in September, but I went ahead and took advantage of the offer. This extends our membership until September 2021.

I think we will do some clothes shopping this weekend for a few needed items we need and want before the holidays. We will attempt to take advantage of some discounts, but at the same time not spend too much money!

Big Goal Savings: October

November 5th, 2019 at 05:25 am

While we continue to pay ourselves back for the car down payment we continue to send money to our savings goal. As of last month we are 35.2% complete.

October Big Goal Additions
Paycheck 10/1 $175.00
Paycheck 10/15 $175.00
Total Interest $188.52
Total $538.52
New YTD Big Goal Total $8,032.22
New Big Goal Total $71,017.67

October brings us to 35.5% of goal. Still heading in the right direction!

Paying Ourselves Back: October Update

November 5th, 2019 at 05:18 am

We are paying ourselves back for money we put down on our daughter's car in May. I am putting all sources of extra funds towards that goal. Here's what I found in October:

US Bank $12.52
Chase Rewards $11.45
Amex Rewards $70.38
Boxed Amex Offer $15
ATM Rebate $3.00
Coop Rebate $8.99
eBay Sales $10.36
Pinecone Surveys $3.00
Extra travel funds $28.72
USAA Reward $1.00
Total $164.42

I think I earned a $25 Amazon gift card through Swagbucks, but it looks like I didn't add that to YNAB as a deposit. I will let that slide. I need to be a little more careful, making sure to put the equivalent into savings when I earn one of those!

Prior Payback Balance: $1,724.18
New Payback Balance: $1,559.76

Progress has been a little slower recently. Our auto and renters insurance is so high here and we had to adjust our sinking fund so that could get paid on time. Otherwise I might have had some extra funds to through at it.

October 2019 Interest Earned

November 5th, 2019 at 05:01 am

Here's the interest we earned on our cash savings last month:

FNBO $63.76
NFCU $124.73
USAA $0.03
Total $188.52

This money is saved towards our Big Goal. I will update that in another post. I think back to when we earned very small amounts of interest each month. I never once used that interest to pay debt, it has always been saved. It's a great habit that I am glad we established!

Are you tracking your interest? Do you save it or spend it?