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An eBay Sale & More

March 12th, 2018 at 05:33 am

I sold a set of eight books on eBay Saturday morning. These were my daughter's, so I decided to offer her the $50 proceeds. I usually don't give the girls the money since most items I sell are a couple dollars at a time...and we are still supporting them.

This time the amount was more significant and these were purchased with her own money. She (oldest daughter) has been talking about wanting to save for a new flute and becoming more aware of the need for money! She was very happy to hear she will be getting $50.

Not much financial news here at our house. The weather has been colder in the southeast and we are just enjoying a little more time being hunkered down and relaxing. Busier times are ahead!

We may be spending $200 for the four of us to attend a music concert this summer. We will probably decide this week. It's a week night, so need to really see if my husband is up for a late night with work the next day. The concert is 1.5 hours away.

I continue our paper purge, following Marie Kondo's advice, which is that very little needs to be saved. I have converted some items to digital versions. This weekend my husband created a spreadsheet to track our vehicle maintenance, and then entered years of data from receipts we had been keeping. We now know exactly what has been done, when and how much it cost us...all at a glance. The receipts are going out today! It feels so good to lighten the load of paper.

Question About Employee Records

March 1st, 2018 at 07:37 am

Just curious what everyone's thoughts are on this topic. I'm weeding out old paperwork from our home filing cabinet. I haven't worked since late 2000. I have a file that is fairly small with three different copies of resumes. I have notes on my pay for every job I've had, dates, addresses and phone numbers, and supervisors.

I also have letters offering employment, start date, and pay, as well as a letter where my employment was terminated (laid off, not fired).

I also have a sampling of reviews I was given for the work performed and description of my jobs. Oh, and I have a copy of the application, testing and termination for my Series 6 Investment license. It's not current as you have to be employed/contracted with a Securities Dealer to maintain.

I know no one is going to ask for any of these documents, but I'm trying to decide what information I need if I were to fill out an application or make a new resume. Everything is so dated, some of these employers no longer exist!

I'm thinking in addition to the resume details, I could make a document with the pertinent info (mentioned above) and toss all the papers I'm keeping to get that infomration. I appreciate any thoughts on the matter.

Not Much Going On

February 22nd, 2018 at 05:22 am

There isn't much financial news going on here, thus the lack of posts. The good news is there has been minimal spending, gas and groceries primarily.

I did get an email offer from Discover card for $10. I had to make the card my 1-Click setting on Amazon and was given a $10 credit. I already used it to pick up a book that is normally $15. I don't like to purchase books, but this topic is one I find hard to get at the library.

I've been decluttering more of our paper files this week. I was motivated after dealing with some old tax files. I did a very large purge of papers in January 2015. Bags and bags of shredding went out. When we moved later that year we had two very stuffed file boxes. Those are a pain to move. It is not recommended to send personal or sensitive information with the movers. So you hand carry them. My goal is to get our files down to one box or even less preferably. So much can be kept digitally now, however I also do not want to spend a lot of time scanning. So I'm being very intentional with what paper I keep.

I listed a couple more items on eBay to earn a few snowflakes (found money). I've spied a couple books I could likely list, but need to review them first to make sure. And there's a DVD my mother gave me, that I need to watch and then sell for a few dollars. I think I will watch that today. It's raining and I can sort some more papers while I do so.

$56 Extra Income & More

November 16th, 2017 at 06:36 am

I mentioned a few days ago that my neighbor asked me to make 6 more key fobs. A few days later, she asked to add one more on. I was quick to get the work done and yesterday she paid me $56 for the work. This goes towards the Big Goal.

In my planning November planning for Christmas, I'm making a point to stock up on things around the home. When we were at the commissary, I bought dish soap, laundry detergent, parchment paper, ziplock bags, vitamins, toothpaste and bar soap. I want to be stocked up through the end of the year, so that the only shopping I need to do in December is for food. The more I can stay out of the stores in December the easier it is to keep to the Christmas budget. I did notice I need coffee filters and toilet bowl cleaner, so I will pick those up this week.

Yesterday was pay day. All credit cards were paid off in full. I put $42 in the birthday category of our budget, $50 in Christmas, $940 in college and tuition (normal amount is about $410), and $272 for insurances and auto tags. There was money added to our car maintenance fund. It was negative after a having some recent maintenance done. Now it's back to zero. There was about $200 left, and I just dropped it into the emergency fund category for now. May need it elsewhere later in the month, but we will try without.

I have three items on eBay that I'd like to see sell soon. May need to drop the prices a bit, but a little extra cash would be nice.

Christmas Planning

November 2nd, 2017 at 08:06 am

I have aimed to have less stress during the holidays for several years now. The key to less stress is November. Yes, the month of November puts me ahead of schedule to complete the shopping, decorating and wrapping that comes with the holidays.

Yesterday, I printed off free November and December calendar pages to help me mark off all of the holiday activities, wrapping, shopping and planning that comes with the holidays. My first step was to meal plan for the month of November. I still have a few days left to figure out, but getting that task off my mind will help things run smoothly at home.

I'm Christmas shopping online already. My list isn't large and I have time, so I'm keeping eyes wide open to get the best deals. I also have a sewing project to do for a niece, so that will be one of the next things on my list. I want it done before Thanksgiving, so I'm not sewing at the last minute. That is definitely stressful!

Another thing I have learned over the years is to buy less. Buy for fewer people. Buy fewer gifts for those we do buy for. And spend less on the gifts. And guess what? Buying for fewer people doesn't take away the joy of the holiday! It does however save time, money and stress.

I know people will say 'well, I have to buy for....', but that is not true no one is forcing you to buy anyone a gift. It is all optional. Yes, you may need to give a reason, such as we are saving for X, so we need to cut our gift list back this year.

About three years ago, I asked my sister if we could stop exchanging with adults. So we no longer buy for her and her husband and they no longer buy for me and my husband. We give just to the kids. I specifically said, I'd rather you spend the time and money you would use for shopping for us on your own family. It does help that we aren't actually with each other at Christmas.

Our gift recipient list includes my parents, my mother in law, my daughters, two nieces, my husband and myself (my husband buys for me). I have other nieces and nephews, but that side of the family has gravitated away from the exchanges and we also are not there on Christmas anymore.

We will bake cookies and freeze, so if I need some for a work exchange or a neighbor they will be ready to give. This is along the lines of the One and Done concept. Give one gift to many and be done with it. No need to specialize every gift you give. I find nearly any food product to be great for this!

I'd like to hear your thoughts on planning ahead for the holidays and your gift giving plans.

Various Money Updates

October 7th, 2017 at 06:11 am

I'm not sure why I haven't been posting! Everything is on auto pilot I guess. I have been around commenting and reading your blogs. I'll give you some various updates.

I did the first half of October's budget without my husband. I still have over $400 to allocate, so I will get him involved this weekend to figure those funds out. It seems like a lot of extra money for the first half of the month.

Retirement accounts are up big time with the recent stock market surge. Since January balances are up $80,000. That does include contributions. The more you have the bigger a 1% increase makes.

Interest earned on our cash in October was $92.04. Close to $100 a month in interest isn't anything to complain about. I did notice one bank increased their interest rate slightly (0.05%) again. We have $131 automatically deposited from my husband's paycheck to a savings account. I need to roll a couple months worth of those deposits into one of the CD's we have that is paying 2%.

My cell phone completely died on me this week. It is 3.5 years old, and some things have been failing so I've been working around them. In the meantime, I've switched my SIM card to my daughter's old cell phone. I have a VERY hard time deciding on phones. The newer ones Verizon offers seem so expensive!! I'm also debating moving to an iPhone since I have a Mac. Those are also expensive, but coming down a bit with the new release coming up. I would like the phone to have a good camera, too. I use it for my main camera. I have $195 in my cell phone replacement category and could easily find more money if I go with a more expensive phone.

I returned two pairs of shorts to Kohl's last week. That put $30 back in the budget which helped cover some new shoes we purchased for our older daughter.

We have saved quite a bit of money on high school football games recently. My husband and I have been volunteering in the concession stand for the band. This allows us to get in free (saves $14), and we get a free drink at the end which would cost us $4 if we have purchased. Last night even our daughter skipped buying anything to eat. Saving at least another $3. There have been four scheduled home games, and just one left. Overall savings is over $100. I wish we did this last year too. We will still have plenty of competition admissions this month, so the savings helps!

I've been purchasing some things recently too. It's part of my Getting Things Done series on my [url=http://yourorganizedfriend.blogspot.com/] Organized Friends[/url] blog this month. Just yesterday I purchased two picture frames (both 50% off ) at Michael's for $29. This is something we have wanted to do for awhile, but I've put it off to avoid the spending. It feels good to get it done though. The amount spent is minor in comparison to our overall budget.

That's the money news!

Cleaned Our Carpet and Other Frugal Wins

August 10th, 2017 at 08:17 am

I borrowed a carpet cleaner from my neighbor while she is on vacation, so I could clean the carpets. An ill cat last year didn't help the condition of the carpet. She brought carpet solution she already owned to use on it, which I was not expecting. I ended up doing every area that didn't have furniture on it once I realized how dirty the carpet was. So I used much more solution that I planned when I thought I was just doing the high traffic areas. I decided to clean up the carpet cleaner really well (get the cat hair out) and give her $10 for the carpet solution I used. So thankful she let me borrow it. This was much less expensive than calling someone in and the carpets look really good!

I took the girls for their haircuts on Sunday and was surprised to learn we earned at loyalty reward of $7.01. I didn't know Great Clips did that! My younger daughter has a much shorter cut now and we go almost monthly now to get her hair cut. I'll take the reward any time they want to give it to me!

We've had so much rain this week that I turned off the sprinkler system. I expect it to be off until Sunday unless we get more rain. That will save some water on our next bill. We also will likely have less water usage now that our daughter went back to college. Less laundry, less toilet flushing/hand washing, less showers. That is until my husband returns at the end of the month.

The weather is significantly cooler today, so I know the air conditioner is running less. It isn't fall yet, and there are bound to be many more warm days, but fall feels like it is just around the corner.

I took the advice and ran the dishwasher a bit earlier in the evening last night and then opened it up a bit to air dry. Yes, a couple things were holding water, but everything was dry. I just need to remember to start it earlier and open it before bed! And I only ran it once in the last two days, since only two of us are home.

Money This Week

May 5th, 2017 at 10:03 am

Here's the chair I painted. That is not it's final resting spot, but did make for a good picture. I actually have a church pew I need to paint to put on that wall instead of the chair.



The fridge gaskets arrived today. Very easy to install the right side (less than two minutes). The left side took a bit longer because I had to briefly detach the mullion (yep, new word for me too). But including getting the tools and detaching it, I would guess that side took under ten minutes. Now no more mold! I do hope that the tighter seal helps holding the air and moisture in and keeps the seals free of mold.

I've been run down with a cold this week. My husband had it first. He even missed a day of work recovering, which he has never done while I've known him. So a few cold remedies and soups have been purchased to make it a little more tolerable.

My daughter is having a friend over tonight. I would normally make homemade pizza, but I'm ordering out, so that I don't pass on any residual germs to my daughter or her friend. Not exactly a cost I planned on, but there is cash in the restaurant category.

I will be writing a $54 check for the band banquet next week. It's $18 per person for a bbq pork meal. I'm sure the costs include some other things given out to students. I sort of wish these types of things didn't exist. They didn't at our other school and it was perfectly fine without a banquet.

And finally our college daughter arrives home by plane on Saturday. We will need to add fuel the van to make the 3 hour round trip to the airport for pickup. We might be able to get away without picking up food since she arrives mid afternoon. However, she may not get a chance to get lunch, so she may need something. I could probably make a sandwich wrap and take it along in a lunch bag if I'm feeling better to make it.

Electricity Experiment: Drying Sheets

March 16th, 2017 at 07:56 am

I generally wash sheets on the first and 15th of the month (or close to it). Today is that day. And since I said I would stop using the dryer so much, I'm attempting to line dry my Queen size sheets inside our home. I want to see how much time it really takes them to dry after several minutes in the dryer. They were in there about ten minutes and really only feel slightly damp. The flat sheet is folded in half and hanging over our shower door. I will likely flip it later. The fitted sheet is draped over large chair, and the pillow cases are hanging over our wood head board. I turned on the fan in the two of the rooms where these are hanging.

I'm doing my girls twin bed sheets today, too. I think because I don't know how drying such large things will work, I'm going to use the dryer, but I'm going to put the setting for far less than usual to see if I can get them dry in less time. I should also toss in a dry bath towel as I've had luck with that helping shorten the drying time.

I do like a challenge, so we'll see how this ultimately works out over the next few months!

Debt Free Charts & More

March 6th, 2017 at 03:34 pm

I came across a blog that offers free countdown type charts. There are numerous different ones. The charts look a big like a picture in some cases, say if you were saving up for a house. Smile The debt free chart is the words DEBT FREE. You fill the words from bottom to top, kind of like those thermometer charts when an organization is saving for something. Not sure if I'm explaining well at all. Check them out [url=http://debtfreecharts.blogspot.com/]here.[/url] There are a couple YouTube videos on the page where you can see someone explain how they are using them.

No money spent by me today. My husband had breakfast and lunch provided for him at his training. Dinner was also provided but he was full from lunch and going to skip it. But in the same conversation he said he was going to buy some snacks. So not sure what the actual spending is.

I made a [url=http://allrecipes.com/recipe/45784/mushroom-rice/?internalSource=hub%20recipe&referringId=224&referringContentType=recipe%20hub&clickId=cardslot%2024]yummy rice dish with mushrooms[/url]. My daughter loved it. Very easy, and I wouldn't be surprised if some of you already make something like this. I will definitely make it again.

Today I washed the blanket our cat Riley had spent so much time on in the days before her death. I hadn't washed it yet, as our older cat, Liberty, seemed to be enjoying it since then. But it is now closer to spring and it was time to get it washed. It was kind of sad to pull the lint trap out and see if full of her fur. Frown I still so grateful for the time that she was a part of our family.

In other news, I have accumulated 1354 Swagbucks. Closer to my $15 Amazon gift card goal. But then I have found another item I may want to buy and that puts my total closer to $20. I may hold off though on that one, as it isn't a true need.