I forgot about this one! I referred four people to Ooma the last time there was a promotion and I earned $20 for each of them. The credits were applied to one of my lesser used credit cards. In fact there was a zero balance on the card.

The plan to use up the credit is to apply our Internet, Ooma and Netflix bills to the card. The cash I would have used to pay it will used to pay off some of the Citibank balance I need to pay off. The balance on that is about $636.

I like it when I'm excited about something I knew about but forgot!

I made another eBay sale. Item was $32.95, so my proceeds will be less than that. We also found a toy in my daughter bedroom to list online. I hope to make at least $10 on it. I might also have two skirts I could sell as well. I haven't decided on those yet though.

I took advantage of a couple Target offers this week that provided $5 gift cards. There is an offer to spend $20 on various health care type items, such as hair care, razor blades, lotion, sun care, soap, deodorant and more. Over two days I bought $40 worth of items, using $13.50 in coupons and received $15 in gift cards. In the end all the items cost me $21.50, and actually probaly even less since I used my Target Red card for the 5% off. I love it when deals, sales and coupons align!

My husband has been fully reimbursed for his portion of the move. We received one payment for the actual travel entitlements which amounted to $628.29. I used about $128 to reimburse cash taken out of our savings account, the remaining $500 went to cover some of the clothing purchased for my husband, gas for travel, and the one night in a hotel.

We received a second travel payment which was for moving some of our household goods. It was primarily all of his clothes and army equipment. It is a taxable payment and was reduced by 25% for withholding. The net amount was $365.90. I will also use this money to pay off some more money we have recently put on credit cards in the last couple weeks.

I feel better when money is flowing in!

We have spent a couple days of spring break decluttering my youngest daughter's room in preparation for our home sale and move. We moved here when she turned 12...literally moved in on her birthday. Unpacking boxes far enough to find items to bake cake! She is now 14 going on 15. The things she uses has changed dramatically. She wasn't readay to part with some sentimental stuffed animals, but a few did leave. We found outgrown clothes, old dance costumes that wouldn't fit, lots of junk and trinkets that have no meaning to her any longer.

In the pile of stuff was a Build A Bear gift card with a balance of $2.74. She didn't even care about the money, but I thought snowflake! I listed it yesterday for sale on

Raise.com for $2.45. It already sold! I'm eligible for $2.08, which I request as a check since it was under the $5 minimum for PayPal and I didn't really want to add my checking account information. It was a great experience. I highly recommend!

In decluttering our basement earlier this year my husband let go of lot of old Army uniforms, boots and so forth. I sold a good majority of it on eBay probably netting about $270! See? Decluttering pays!!

If you want to see what I've been up to as far as decluttering and organizing don't forget to stop by my other blog Your Organized Friend.

Have you ever found anything while decluttering that 'paid' you money? Have you sold gift cards online?

I'm currently working on paying off our Wells Fargo American Express card using snowflake money. The balance at the beginning of the year was $700 which I have been able to pay down to $185.29 using only extra funds.

Today I made a payment of $155.71 towards that original balance to bring the new balance to $29.58! All the money was accumulated from eBay sales, a $15 Pinecone reward, $25 from Swagbucks and a $25 gift card to Target that I used for some groceries (and applied what I would have spent to debt).

Now I have added some new charges to the card in the last couple of weeks in order to get enough reward points to cash out before we close the card. We had 2334 as of the last statement. I charged another $154, which I have paid in full today as well.

But then I realized I was $12/12 points short! I went online and bought $15 in Amazon gift cards. Clearly it is enough purchases to get the points, but I think the statement will close today. I wonder if the charge will process in time. If not, another entire month will go by before I can redeem those points and close the card. I will likely use the $25 worth of points to pay the last $25 on the account.

The mid May statement will likely have a charge for the $175 annual fee which I do not want to pay. The card will be closed before that date regardless of the rewards outcome.

So now that I have nearly all the balance paid with rewards I will start working on the Citi card balance that is at 0%. That balance is at $636.27. It would be nice to have this paid off before we move in June. I may need to look for some more things to sell, since we are not opening any new credit cards until after the move.

I charged our Verizon Wireless bill in three separate transactions on three separate days to my husband's American Express card. I can see two of the three credits on the account. I would guess the other one will show up tomorrow. Pretty sweet rewards and better than the 5% cash back on our US Bank Visa we usually get.



Next month I will charge my American Express card the same way to get another $30.

Did anyone else get their rewards yet?

I had five auctions end on eBay last night. Three sold, two did not. The gross sales were $67.50. I plan to donate one of the items and hold the other for a better time of year. I still have one item listed which I will maintain as a Buy It Now sale for another three weeks. If it doesn't sell in that time I will take it down for awhile.

My PayPal account is getting fat with these recent sales, a Swagbucks deposit as well as a pending Pinecone deposit. I hope to get all the money transfered and sent to the Wells Fargo Amex card by the end of the week. I'll let you know what my final snowflake total is then!

I'm on a pretty active sales page on Facebook for my area. I can see that if I listed some items there I might get some takers. I'm not ready to do that yet, but I'm thinking about it.

There is still money flowing out, but for this post, I'm going to mention some money flowing in, which I like better!

I redeemed Swagbucks for $25 PayPal deposit that I hope to have soon. I received a $25 Target gift card from my sister in law...kind of a going away gift as she indicated I should buy snacks with it for the road.

I finally did enough surveys to redeem 1500 points for $15 with Pinecone which will be deposited into my PayPal account. I sold another item on eBay last night and have two more with bids that will end on Sunday. There are also another four items listed that have people watching. This may be the last go around with listings for awhile. At this point it looks like I sold over $300 worth of items. (That's gross sales not net unfortunately).

I had lunch with a friend and she mentioned how her son love to look at my daughter's art page on Facebook, which led me to mention art work leftover from her booth last year at the art festival. She came over and bought a piece for $15...this can be considered inflow for my daughter, but good for me as I will likely send less money with her on band trip!

And finally it's payday so that is a chunk of change to work with. We are clearly spending more than is flowing in. I couldn't pay the credit cards in full without dipping into some savings. Some of the charges are from my husbands trip to the east, which will get reimbursed by the end of the month. He also bought some new clothes before he moved too. And there was that speeding ticket! I am still grateful for payday it helps relieve some stress to see the balances go back down to zero on those cards.

Do you have some money flowing in?

If memory and my notes serve me correctly, we started 2015 with $700 in debt on our Wells Fargo American Express card. It is at 0% interest, but we need to pay it off soon so we can cancel the card and not be charged a hefty annual fee.

I have been making payments all year on the card. With a payment of $109.52 which is all snowflakes/found money(primarily from eBay sales), we know owe just $185.29.

I'll be honest this is getting a bit tedious for me. I may just pay it off next week. I do have some more auctions that could net some more cash, so I will likely wait until after that.

Is it bad to say I'd like to find another $150 to charge to the card before we cancel? I think that amount would get me to the threshold with points to redeem $25. I guess I should start using it for purchases in the next two or three weeks. I'm sure I will have expenses that will add up to that. I already tried looking at our utilities but none of them accept American Express for payment.

That's the status! At least the amount owed is going down. I am looking forward to one less card soon.

Did those of you with a cell phone bill and an American Express card see the latest offer? Charge your cell phone bill of $75 or more and get a $10 credit. Up to three times!! That's $30.



I currently charge our large cell phone bill for four people with Verizon to my US Bank card for 5% cash back. I'm currently hoarding my rewards with them to get a $25 bonus for redeeming $100 or more. This will be the last time I can do that as they are ending that bonus offer at the end of the year.

However, this Amex offer is better than 5% cash back. I have

read that others have been able to make multiple charges for the same bill when their bill is over the $75 and get the $30 credit in one month. However, it could be spread out over three months if one had a bill closer to the $75 range.

My plan is to make three separate charges for our upcoming Verizon bill (it is generally $246!) and get all $30 in one month. I did just make a change to our data plan, so I already have some credits coming our way and a lower bill in the future by $7. If this months bill is under $225, I will need to break up the payments. Likely two $75 charges this month, the remainder to the US Bank card, and then next month, one $75 payment to American Express, and the remainder to US Bank for the 5% reward.

I need to check and see if my husband has this offer on his American Express. Just checked, he does have this offer and it was already added...I just forgot. If so I can do this offer on his card after doing it on mine, since it is available until July. Some people on that forum link above paid cell phone bills of other people to get the offer!

I'm excited because this lower bill on our cell phone bill will help offset that really high electric bill we have this month!

Do you have this American Express offer? Will you use it or did you already use it?

I have more eBay sales in the works. One item sold this afternoon and two that currently have bids will end on Sunday. There could be more. I have my fingers crossed that is the case.

I will likely relist any that didn't sell this go around. At a lower price of course! I'm also going to look in my stash of items to see if there are another couple that I could get listed on Sunday. If memory serves me correct, I may have two.

All sales money is going to pay off the Wells Fargo credit card. I was able to make a payment from one of my accounts to the card for about $78. I want to make another payment, but found out I can only make 5 payments in one calendar month, so I'm waiting a bit longer (after the eBay sales end) to make another payment. My current balance on the card is $294.81. I'm getting there!

I hauled in $183.20 in snowflakes/found money in the month of February. Not as good as January where I cam up with $290. I'm not going to complain. It's all good!!

The money came from eBay sales, Swagbucks earnings, credit card rewards, and being under budget on our water bill. It all adds up...and that is the main reason I track this stuff, to show you that it DOES add up.



Found money can make a difference, if you make sure to apply it to your goals. Don't let the money melt in your wallet or checking account. My snowflake money is usually in our checking account, but I have an excel sheet that shows which portion of the balance is snowflakes. I keep adding it up and generally get the money to my goal once a week.

How much money did you find this month?

I got new tires for my van earlier this month. We charged them to our Citi Thank You credit card, which currently has 0% interest. With an alignment we paid $818. I'm happy to report that with payday yesterday, we paid them in full!

We do still have a balance on this card. It is currently at $1,109.59. We started the year with a balance of $636.27 which I plan to pay off with snowflakes. The difference of $473.32 is recent charges, primarily my husband new suit. I expect to get that amount paid off by March 15, our next payday.

In theory we could just pay this card off in full with cash we have on hand, but since it isn't an emergency, we are just cash flowing things. We are spending the money slightly faster than we are bringing it in, thus charges from over two weeks ago are being paid now. I may get irritated with this method and just pay this off, but it seems to be working for right now.

I will have a February snowflake update tomorrow. The eBay sales have definitely helped this month!

I had another eBay sale last night, which I promptly shipped today. There seem to be quite a few people watching items I have listed. I hope more sell over the weekend so I can ship on Monday! I have at least one item maybe more I need to list this weekend as well.

It's payday, but our day has been busy. I hope to get all bills paid tomorrow and pay down more on our credit card debt.

Have a great weekend!!

I listed four items for sale on eBay on Sunday, and then yesterday proceeded to add another 13 items. And as of last night, I sold two items. Gross proceeds were just over $68!

My husband got a speeding ticket yesterday. I had even said, "don't speed" before he left! Ugh. He got impatient with someone going below the speed limit. He went around, but way faster than the speed limit. The ticket is $114.

So I guess some of the sales will help pay off the ticket in addition to the credit cards we are working on (which are at 0% interest). And I just sold another item while writing this email, so make that $76 in sales!

I'm just excited to finally get some of these items listed. I have more, but need to find some big boxes to put them in! I'll check the free boxes at the post office today when I mail the sold packages.

Have you ever had a speeding ticket? Are you selling anything right now?

I earned enough Swagbucks to redeem for $25 in Paypal cash, and it arrived today in my Paypal account. I have already requested transfer to my bank account. This money will go to pay off the Propel Amex card we have a balance on. (No interest is accruing!)

I listed four items on eBay last night and expect to keep adding items everyday this week. Any sales will be considered snowflakes and will help reduce that credit card balance listed above.

I don't plan on opening any credit cards for bonuses until after our move, or at least until we have housing secure. This will likely keep my snowflake progress lower than in the past. At least for the first half of the year. I may also stop working on Swagbucks for a little while,since I have a lot of things to work on getting ready for our move.

Where are most of your snowflakes/found money coming from this month?

Hmm. I thought I posted today or yesterday. It's seems I was last here on my own blog on Sunday. Time is flying!

I earned enough points with Bing to redeem for 500 Swagbucks. I now have over 2100 Swagbucks, so I'm close to another $25 Paypal deposit.

I completed a Pinecone Survey on Friday and I was credited my 300 points for that today (three more surveys until I can cash out). It seems I may be getting a sample for that survey as I see FedEx is showing I'm getting a package from them soon. For the life of me I can't remember what the product was I did the survey on!

The bill for our garage door maintenance arrived. I was expecting about $60, it was $104! Honestly, I would have tried another company, but I left my husband in charge on that one. It's done now and I wrote the check. It will be in tomorrow's mail.

The money is going out much faster than it is coming in...at least from snowflakes!

I hadn't checked our retirement accounts since the end of 2014, primarily because the market was dropping. But I've also been busy. I noticed the markets closed at an all time high on Friday, so I checked our balances this morning.

We are up about $9,500 since the end of the year! And about $5,200 from our all time high back right before the end of last year.

I paid $22.75 in swowflakes towards the Wells Fargo credit card. New balance is $393.19. I have a large amount of items to attempt to sell on eBay. Maybe I will actually get those listed on Sunday. When they sell they should make a nice dent in that balance.

All other bills and credit cards have been paid, with the exception of my tires and the balance already existing on the Citi Thank You credit card. I did pay $715 of new charges off. I expect I can pay off the tires on March 1. I could pay them off right now, but since I have 0% interest I'm just waiting for more cash to flow in.

Happy Valentine's Day!

It is so strange for me to wait this long into the year to really post financial goals. However, this upcoming move has distracted me with other things to think about.

As of today, our goals for 2015 are:

Maximize our Roth IRA contributions.
Save 8% to TSP (may actually increase to 10%).
Save $2000 for each daughter for college.
Continue my 52 week savings (which is $57 per pay period, or $114 per month)
Pay down $5000 in mortgage equity end of June 2015.
Use snowflakes to pay off $1386 in credit card debt on two 0% interest cards.

The retirement and college investments are set up on automatic withdrawal, so those are easy. Right now I'm manually saving the $57 each pay period. I did it automatic last year, so that may work out again this year, too.

The paying off $5000 in mortgage equity will be a combination of things. I'm currently adding $104.94 to our mortgage payment towards principal. It makes for a nice even mortgage payment. This means we pay off more than $585 each month. For six months, that pays down $3510 on our mortgage. That means I'm short of the goal by $1490, or $248.33 per month. Last month, I set aside that amount and will continue to do so through June. By the way the end of June is the deadline, as I'm going to guess that is the month we will close on this house when it sells. I do realize that isn't a sure thing, but one can hope it goes that smoothly!

I've mentioned a couple times we have debt on two credit cards. They are at zero percent and resulted from some bigger purchases. From what I can tell the Wells Fargo balance was $700 at the beginning of this year. It is now at $415.94. The Citi TY card was at $686.27 and is now at $636.27. So I have already found $334 worth of found money/snowflakes to apply to this goal, leaving $1052 to go. I may get impatient with these debts and just pay them off, but for now this is the plan! I will try to get better at tracking them and letting you know the progress, too.

The truck is still in the repair shop this morning getting a sensor replaced and a new battery. We are looking at another $300 spent there. With my tires and alignment the day before, we will have spent $1100 in car maintenance in two days. Happy for savings for these types of things. (And thinking my 52 week savings will simply help the savings account recover from this expense)

Am I the last one to post my goals for 2015? How are you doing with your goals? Has anyone had to revise your goals?

We had new tires installed on my van today. We also had it aligned since it seemed to have been a few years. The damage to our pocketbook was $818. We did charge it to our Citi Thank You Preferred card which we currently have zero interest on. I expect I will the expense paid off pretty quickly however.

We also have the truck in this afternoon to have it checked for sensor that seems to be coming one while driving. The truck is also getting a new battery, as it is having difficulty starting in the really cold weather.

I did get my PayPal deposit from Swagbucks today. I have now requested a transfer of the money in my PayPal account to our checking. I'm going to make a payment (all from recent snowflakes) to the Wells Fargo card in the amount of $44.15. The card balance will be around $416 after the payment.

Ibotta, a rebate app, requires a $10 minimum in order to cash out. I reached $10.75 today after getting a $1 rebate for something my husband bought. I debated about just cashing out for the even $10, but decided I didn't want to leave any money on the table, so I cashed out for my entire balance.

It does seem to take awhile to accumulate likely because I'm not always buying what they have rebates for. I do find Ibotta better than Checkout 51. With Checkout 51, the minimum to cash out is $20! I only have a balance of $11.25. I have a ways to go. This week the only thing I likely could get a rebate for is $0.25 for carrots or salad mix. If I decide to buy a cereal they have offered I could add another $1. Again...slow earnings.

The money for my Ibotta cash out was instant to my PayPal account. No waiting at all! I'm leaving it there to see if my Swagbucks money is deposited today or tomorrow. If so, I can make just one transfer instead of two.

We got our dishwasher part today! I just ordered it yesterday (paying only for standard shipping). It clearly was breaking apart and we do think it is quieter, just not quite as quiet as I was remembering or expecting. No regrets on the part change out which took about 25 minutes at the most from start to finish. I'm just hoping there isn't another issue.

We spent just over $20 for some home maintenance items at Menard's today. Stain and poly spray for a door we are cleaning up, iron out for a stain around our water heater. grout for a small area that needs to be filled in our master bathroom, and some magic erasers (trying to clean up my laundry tub).

I'm thankful that we don't have big repairs to take care of. We will need caulk for some areas around the house. We will wait on that until it gets warmer. We will also be doing some painting (just touch ups), but we have all the paint we need for those!

Do you use a rebate shopping app? Which one do you like? Anyone else doing any home maintenance?

I cashed out for $25 from Swagbucks into my PayPal account. It has arrived pretty quickly in the past, so I hope this time will be the same! Since that is a snowflake I will apply it to the credit card balance we are working on.

I could apply the money to the dishwasher part we ordered today. We are now pretty sure that the drain pump is causing all of our noise issues. We ordered one online for $52 (shipping included) that will arrive on Thursday. It seems we live fairly close to the company shipping it!

If it doesn't solve the problem, we will be able to return it and pay to ship it back for a refund. I'm pretty sure that is the correct fix. I suppose if it isn't than it may be time to call someone in. It runs and cleans fine. It is just loud! And it hasn't always been loud, so something isn't right. I want if functioning correctly before we list our home, so it is a non issue for the buyers.

My husband was home yesterday and we tackled quite a few maintenance and repair items. I have a blog post on

Your Organized Friend that will be up at 6 AM Central Time on Thursday that tells more about what we have been working on. Including some that I thought would take much longer than I expected!

Have you ever repaired your own dishwasher? Are you a Swagbucks member? If not, here's my referral link. Be sure to read an older post that will give you a few tips on how to earn Swagbucks!

I received my Big Fat payment from Ebates. That is how they refer to it. I only received $8.40 in my PayPal account, so I wouldn't exactly call it fat.

I promptly requested the money be transferred to our checking account. I will ended up sending it to the credit card we are paying off. It is currently at 0% interest, so no worries.

The specific card we are working on is the Wells Fargo World American Express card. It has a balance of $460.09. I will have this paid off before May, as I believe that is when the assess the annual fee of $175! I am NOT paying that, so I will be canceling this card very soon after. Of course, I also would like to redeem any final points we have accumulated, as well.

I'm in the process of dismantling my dishwasher. We are pretty sure now that the fix is not a simple O ring. Darn. It's probably some sort of pump. Not sure which one yet or what it will cost, but I really would like to fix ourselves, so save the labor. It could still come down to someone coming out, just not ready to admit defeat until I've looked around some more!

Did you get an Ebates payment? What will you do with yours? If you have a Wells Fargo Amex will you be cancelling yours before the annual fee is assessed? And has anyone done any dishwasher repair lately?

I was surprised at our January snowflake total. I didn't think we had accumulated that much extra money. I guess that is another reason why tracking these things is a good thing!

We accumulated $290.35 in extra funds in January. The sale of the refrigerator was over 1/3 of the result. Just yesterday I received a $50 rebate check from the purchase of the flute. All those smaller amounts add up! I know I've said that before, right?



I did apply all these extra funds towards paying off two of our credit cards, so the balances are down by that same amount. This isn't as exciting for me as paying down the mortgage, but it works for right now since it isn't money from our pockets to pay these 0% interest cards off.

Do you have a total of extra funds accumulated for the month of January?

We sold our old refrigerator last night. I posted it on Craigslist at 3pm and by 6:30pm it had been picked up. They paid $100 for a very nice 10 year old fridge. They even commented how nice it was. And it was...it just didn't match the house that we will be selling soon. It does look much better. I really glad we didn't have them haul it away for recycling. It will still get some use and we have $100!

I see that two people have already used

my referral code to Ooma. This means I have $40 coming my way in about six weeks. The deadline for the current $89.99 offer is on Friday, January 30, if you are thinking of switching from a traditional land line.

I'm working with the Pinecone Rewards program to figure out the problem with cashing out my 300 points for $3. I sent them a screen shot of what options I'm seeing after then had me try clearing my browser history. I even changed browsers as another option. We will see what happens!

In moving news, we are still waiting on orders. We really can't move forward on anything until that part is finalized.

Have you sold an appliance before? Did it sell fast like mine?

I did a Pinecone survey over the weekend and they credited my account with 300 points today. I always redeem right away for $3 to my PayPal account. But today that is not an option. My only options are $5, $10 or $15!

I'm disappointed that they keep making things harder and harder. Didn't we get a $5 check in the mail for each survey in the past? Then it changed to $3 for awhile. There was also a time when the Paypal option came right to us, rather than going to the third party to pick our reward and wait another day for the Paypal deposit.

For now, I will continue to participate. The best thing about Pinecone is the ability to get cash for the time spent. I don't like that I know have to wait to meet a threshold for payment. It's not a nice way to treat their participants in my opinion.

So no cashing out for me today. I'll have to wait at least for one more survey to get $5. I may be easier to just wait for four more surveys and then cash out that way.

Had anyone seen this change prior to my mentioning it?

I did a Pinecone survey over the weekend and they credited my account with 300 points today. I always redeem right away for $3 to my PayPal account. But today that is not an option. My only options are $5, $10 or $15!

I'm disappointed that they keep making things harder and harder. Didn't we get a $5 check in the mail for each survey in the past? Then it changed to $3 for awhile. There was also a time when the Paypal option came right to us, rather than going to the third party to pick our reward and wait another day for the Paypal deposit.

For now, I will continue to participate. The best thing about Pinecone is the ability to get cash for the time spent. I don't like that I know have to wait to meet a threshold for payment. It's not a nice way to treat their participants in my opinion.

So no cashing out for me today. I'll have to wait at least for one more survey to get $5. I may be easier to just wait for four more surveys and then cash out that way.

Had anyone seen this change prior to my mentioning it?

I must have signed up as part of a class action suit in regards to EmergenC, which I have purchased. Today in the mail I had a settlement check from EmergenC for $17.98! That makes for a super snowflake for our credit card we are paying off.

I am also sending the $25 PayPal deposit I received from Swagbucks to the other credit card. This helps meet the minimum payment that is due for the month.

In the end the snowflakes mean less debt. I like that!!

My husband will move out to the east coast in early March. (Officially still waiting on orders) He knows a husband and wife living out there that have a two bedroom apartment and offered him the second room. No charge for rent!

They do pay for electricity. Other utilities are included in their rent. If the electricity jumps with my husbands phone charging and computer use he will pay the difference. He will buy his own foods and hopefully some snacks to share! Maybe he can carpool and drive with one or both them. That would help them save on fuel.

I'm relieved. It makes the process of moving much easier. I'm a little hesitant though. I don't know that letting another person stay in your apartment is really allowed without authorization by the complex. I also wonder how long the couple will really want my husband there. I think the wife travels quite a bit, so maybe that will help.

Depending on how it all shakes out, I think we owe them something. A nice gift card or gift to show our appreciation for their hospitality. I'm open to ideas!

In other news, I redeemed more Swagbucks for a $25 PayPal deposit. That will go to those two credit cards I'm working on!

So tell me, how would you show your appreciation to someone who lets your stay with them rent free for several months?

I have accumulated another $64.73 in snowflakes (extra money). And I made sure to get them sent off to a credit (0% interest) card so our debt will go down.

We have two credit cards that we are running balances on. I'm stubborn about not wanting to use our savings I guess. I have the money to pay them in full. It is just nice to have 0% interest and not have to dip in to other cash.

I sent the above snowflakes to our Wells Fargo Amex. It had a $700 balance. With the payment deducted, we owe $635.27. Less debt! And paid with snowflakes!!

The other credit card we have a balance on is our Citi Thank You Preferred. It has a balance of $661.27.

I plan to pay off the Wells Fargo Amex first so that we can close it. It also has a hefty annual fee after the first year, so we don't want to be hit with that!

While I was checking balances I decide to redeem 2,500 Citi Thank You points for a $25 Panera gift card. I figure it is good for a family lunch or night out. I will match debt reduction or savings when we use it.

Have you redeemed any credit card rewards this month? Did you pay off some debt, or accumulated any snowflakes?

Our water bill was under our self imposed budget of $95 by $13.39. This does include trash service and $18 to the city for sewer debt. So it isn't all water! I do like it when it is under budget, since I count that money as a snowflake or found money.

Swagbucks came through today with my $25 redemption for PayPal cash. I have already requested transfer to our checking account.

I'm STILL working on getting my thoughts together about our 2015 goals. Several of them are really the same. Why change what works, right?

Stay warm out there!