<< Back to all Blogs
Login or Create your own free blog
Layout:
Home > Category: family
 

Viewing the 'family' Category

Buying New Clothing

May 25th, 2019 at 06:34 am

My youngest daughter is home for the summer! She needed shorts, because it is very hot here. We stopped by JC Penney yesterday where she found two pairs marked on sale for $14.99. I had a $10 off coupon for spending over $25. The final total with tax was $21.82. Very pleased with this amount. She won't be wearing them daily, as she still prefers jeans even in the heat, but at least when we are out for longer periods of time she will be cooler.

I'm going to have to buy new clothes very soon, as I have lost 13 pounds recently, and I am down thirty pounds since a year ago April. My shorts I was wearing yesterday still stay up and feel fine around the waist, but my husband said they look really baggy! I rarely buy clothes, and am a near minimalist when it comes to what I wear, so I won't need to replace a large amount. I am tempted to thrift store shop only because I expect that the size I am now is not where I will stay. I think I will sell some of my old clothes, the jeans and a dress for sure. The rest is probably only worth donating.

Some people keep their large sizes when they lose weight, but I'm almost positive I have found the right thing for me this time where I will be able to maintain. I'm not going to comment on what is working for me until I have reached my goal and maintained for some time. And honestly, weight loss and health are personal, we all have to find what works for us.

Phones, Soda and Gum

May 22nd, 2019 at 12:06 pm

We just purchased new cell phones for my husband and youngest daughter. They have both had major issues with their phones recently, which forced this purchase sooner than expected, but over two years since they were last purchased. They are getting Moto Z3 phones which are $10/month each for 24 months, 0% interest. I do plan to sell their old phones on eBay as is for parts. I should be able to get $40-60 for both of them combined.

My husband has been on a kick recently of buying two sodas and a pack of gum, three to four times a week. This is after he has been home for lunch. The cost each time is just over $4, or $12-16/week. I mentioned buying a six pack or more to keep at work, or even store at home to take with him after lunch. I also mentioned the lower cost of his gum to buy in bulk on Amazon. Today he reported that he bought a six pack of soda and 3 pack of gum and spent just $4. He was very proud of himself for making this change. Of course, I wish he didn't buy soda at all! I will celebrate the win.

The Car Purchase

May 12th, 2019 at 07:44 am

Our trip back to the midwest was to help our oldest daughter move and purchase a used car. We ended up with a 2011 Subaru Forester with just over 100K miles.

We did put $6,000 down on the $11,400 purchase. The rest was financed over three years. The original interest rate at the dealership was 8.49%, which I balked at. They said it was because our daughter had no credit score (which is true). On Tuesday they called and said they found a lower rate of 5.74%! Wow, what a difference. We may still refinance this if we can. It's been years since we financed or bought a car, and honestly, we were a bit rusty with the process. There are probably things we could have done differently, such as check with USAA for a loan, but I remember I looked and dismissed it, but now I don't know why. It is what it is at this point.

We really like the car. Drove fantastic! Super clean engine. Nearly new tires. All wheel drive for winter driving should be helpful too. If it can last as long as the loan that will be a good thing!

The payment will be $133/mo, which once our daughter starts getting paid from her internship, she should be able to pay. She is a bit overwhelmed with the expenses of living on her own and mad that she can't save!! But that is yet to be seen. Hopefully, she will adjust well once she sees the paychecks. I think it's all a bit abstract right now to her. Of course, I will help her through the process.

Her insurance policy is about $450 every six months. We will cover that while she is still in school, which is now another expense we have added to our budget.

Frugal Groceries: Homemade Seasonings

April 30th, 2019 at 09:52 am

I'm going to be going back to basics regarding our grocery bill. I am on a new eating plan, which has lowered our grocery bill and I will talk about that when I have more definitive results to share. However, we are attempting to keep costs in check this summer with our daughter home while supporting our older daughter who will be staying in our college town. She may end up covering most of the expenses since she does have an internship and a very part time job, but until that gets going we have to be prepared to help a bit.

So as I alluded to in the title, I need to tweek my homemade seasonings. We have tacos or fajitas once or twice a week and I have always bought those premade seasoning packets. A quick look at the Budget Bytes website and her recipe for taco seasoning is almost exactly what I pay for a packet. So it may not even work out as a savings, but I will avoid the added preservatives and unnecessary ingredients, which is important to me. I will have to watch for good prices on the
individual prices from now on!

Once I get an idea of what our daughter wants to eat on a regular basis, I'm going to be checking sales ads weekly. I may be able to stock up on some of her staples if they are loss leaders and save over the cost at the commissary. Generally, the commissary saves us 30% over the cost at traditional grocery stores. They do have some sales, but not always things we buy.

Anyway, you may be seeing more posts from me about grocery savings. Please chime and share your best tips for saving on groceries! My first one for anyone to work on is avoiding brand name items. Nearly all the time store brands are less expensive and the taste is the same. If you have never tried the store brand, I suggest it would be worth a side by side taste test to determine if you really can detect a difference. And if there is the difference is the price difference worth it to you? I will admit we need to switch back to store brand shredded cheese...or shred our own cheese if that is more cost effective.

Do you make your own homemade seasonings? Do you buy store brand? Why or why not?

Random Money Updates

March 27th, 2019 at 08:57 am

Spring break with the girls was wonderful! We had a good balance of relaxing, which they really needed and getting out to explore some things. We did several free things and had dinner out twice, so we easily spent under $150 for those kinds of things. Our grocery bill went up slightly, but that's to be expected.

I found a quarter out back in the alley when I was talking to a neighbor. I love finding cash on the ground!

I'm working on my next $25 Amazon or Paypal redemption with Swagbucks. I really just try to complete the To Do List on the left hand side of the home page. I try the surveys, but I'm not always successful, so as to not waste any more time, I do skip that one. I think Rose asked in another post about how to do it. I would suggest following Swagbucks Swaggernauts on FB for tips and pointers. There is definitely a learning curve. I have found a free malware extension on my computer helps with the junk that can come from using the site.

We received our $10 Visa rebate card in the mail from NAPA for the battery we purchased a couple months back. I plan to use it out shopping. I will then add $10 cash to the Big Goal.

I've redeemed some credit card cash back rewards and will update with a total for March when I report how much progress we made on our Big Goal this month.

We need to already be thinking about airline tickets for May! We will likely go back to the Midwest to help move our daughter's out and help our oldest daughter buy her first car. She is likely going to be staying back there this summer to take a class and get a job or internship. Lots of activity around here and spending.

I have three items I need to sell. Two should be able to go on eBay and the other should go up on a local sales page. I rarely do eBay any more since my main motivation was usually to sell outgrown clothes and toys. I saw a YouTube video the other day though that reminded me of how it is possible to buy items at garage sales and resell them for more. Something I might try and see if it keeps me interested. Clearly more work than finding items in my house!

Please excuse my random thoughts!

Cash In, Cash Out

March 17th, 2019 at 06:36 am

The tax refund did arrive as expected. It is currently in our savings account marked as Big Goal money!! I decided to act like it didn't exist in some ways. We were never expecting a refund, so spending it didn't exactly seem right. If we need an additional $1900 we can take it from our other savings or cash flow it.

I earned enough Swagbucks to redeem for a $25 Amazon gift card. I used it to buy cabin and engine filters for our two vehicles. Those arrived yesterday.

We learned this past week that the University our older daughter goes to overestimated her VA benefits for the semester. Once they received actual payment, they notified us we owe $595 by April 12. Our plan is to use her ESA to pay this. Her benefits were lower this semester, so this was the plan all along, we just know the amount we need to take out now.

Our girls arrive here today to spend their spring break with us. My husband took the week off, so we can do some more exploring of our new town with them. This likely means some meals out and money spent on entertainment.

I learned recently that American Express waives their annual fees for active duty military. I haven't taken action on that as I think we only have one card of theirs with an annual fee. This may give us an opportunity to use some of their other cards with higher annual fees and better benefits. I have more looking to do on this. Anyone have experience with this? If so which card do you use? Yes, we use credit cards, but do not carry a balance, nor pay any interest. Credit cards a financial tool that can be beneficial if used wisely.

The Government Billed Us

February 22nd, 2019 at 12:21 pm

We finally received a bill from the government. Not many people say that! We were aware of and notified of VA overpayment of tuition benefits in early December because our daughter added then dropped a one hour class last semester. The school was overpaid, and they refunded us some money in October or November. So now the government is asking us for the cash to the tune of $487.

We are going to pay it at the beginning of March. I do have a little problem with the amount. My guess is it is right, but I am just not clear on how they figured the amount of the overpayment. It is not equal to what the school refunded us, which was around $400. I'll probably send an email to the school to see if they can explain. I think getting an answer from them would be faster!

I earned $3 for doing a Pinecone Survey. I found a penny on the ground when I went to the store. I've actually found quite a few coins on my walks here!

I've arranged for our cat to be boarded while we are on a three night trip in March. She will spend five nights at the kennel for a total of $75. They provide food and litter. I wish I didn't have to do board here, but our housing won't let us leave a pet overnight even if someone is watching her. She sleeps a lot anyway, so she will be fine!

It's about time to make flight reservations for our daughter's to come here for their spring breaks. More money out, but we will look forward to seeing them and doing some more exploring of our new town.

I've been watching Living on A Dime on YouTube. I've watched some of their videos before, but it had been awhile. Jill, the mother, has a series on the channel called Penny Pinching Mama, that explains her life when she was first diagnosed with Chronic Fatigue Syndrome and how she lived on $500 a month with two kids in late 1980s. She still only lives on $750 for social security. They are fantastic example of how people really can make it on low income. They don't deny that it's hard, but that it can be done! The are very conservative with what they use. Anyone else seen these ladies on YouTube?

Medical Bills

January 12th, 2019 at 08:07 am

We are pretty healthy people, no chronic illnesses. However, both my girls have been to the doctor a couple times in 2018. They are still on our military insurance, but because they live away from home most of the year they are on Tricare Select. The deductible for each of them is $150. Very reasonable.

My oldest daughter maxed hers out in August and then had a procedure where the cost without insurance was billed at $332. She got the bill at her dorm and apparently didn't have the correct information to file a claim. I called Monday and gave them the correct information, although they seemed confused. They submitted it and was covered in full. The provider gets $83.

My youngest twisted her ankle pretty bad in October, her student health center did submit through insurance, but she nor I were ever notified by our insurance. So looking at her tuition bill I see two charges from the health center for $80.04. It took some sleuthing, basically logging into the insurance company site to see the claim. That yes, $135+ was submitted and reduced to $80.04...and we do owe that as we had not met our deductible for her.

It's harder to navigate insurance when your adult children's claims do not go to your address! Youngest said she never received anything at her dorm, which is where they sent it. At least it is all taken care of this round.

It did remind me that a sinking fund for the deductibles wouldn't be a bad idea. Although I can probably manage any charges through basic cash flow.

Uber Frugal Month

January 10th, 2019 at 06:09 am

I'm not yet participating in Uber Frugal Month. It's too hard to start it on January 1 when our college daughter's are home. We want to treat them and get them what they need since we won't see them until March.

We will start Saturday afternoon and try to go through mid February! My plan is to focus primarily on eating all the things, or making meals from the pantry. I literally only have three things in the freezer, so my stockpile is not like many people. But I have quite of few things in the pantry and refrigerator that I want to make use of before they go bad. I was very successful at this last year.

My husband is out of town for work next week. I plan to stay home primarily and do things that don't cost me money. I have sewing projects I can do with fabric on hand. I need to make a photo book for my Dad (promised to him in June). I also have a book to read that needs some of my attention.

I may (still undecided) shop for towels this month. I need to replace a set. I think this can be a good time of year to find towels on sale. Oh, and my sister and mother have birthdays at end of January, early February, so I'm pondering gifts that could be considered thoughtful and frugal. I did just redeem Swagbucks for a $25 Amazon gift card, so at least one of them may receive something I can buy from there! I could also redeem MyPoints and give my sister a gift card. I think even $10 or $15 to Starbucks might be welcome!

Good luck to all who are participating and are finding ways to keep costs low in January!

Airline Tickets

December 5th, 2018 at 06:42 pm

It's that time of year where I buy airline tickets for my kids to come home for Christmas break! This is the first year I have to accommodate BOTH girls. I actually purchased one way tickets. They are in different cities, but flying home together from one city. On the return to school they will fly separately, primarily because one has three weeks off, and the other has a full month! One daughter will have to take a shuttle from the airport to her campus, cost with a tip one way is $42. I think if it was a roundtrip shuttle it would be about $60. I'm always praying that the weather cooperates so they don't get delayed! Oh, in total I spent about $800 for the girls to come home!

My husband was home today for the National Day of Mourning. We did watch the funeral and were touched by the eulogies given. I think we all wish that in death we are remembered fondly by those we loved and who loved us.