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Viewing the 'Snowflakes' Category

I Sold A Box

April 28th, 2018 at 09:12 am

Did you know that empty boxes for electronics and other collectibles are bought and sold on eBay? I just sold one for a console game. My net proceeds are $8.27 for something that was taking up room and I was considering recycling.

I know some people who buy and sell would say to keep the box, but honestly, we keep electronics so long that by the time we are selling for a few dollars the box isn't going to make a big difference in the price we gain.

I decided this one was taking up too much space and since I have no idea when we would sell or get rid of the actual electronic game, it was time to go.

More money in my pocket!

A Gift and an Injury

April 21st, 2018 at 06:44 am

My parents send my husband and I a $100 check every year for our anniversary. This year was no different. We usually save the money, rarely making a purchase. So yes, we deposited that money into our savings account to count towards our Big Goal.

As far as other snowflakes, I redeemed Amex rewards equal to $25 this week. I also transferred $3.49 from a small eBay sale to our savings account. I have two items I need to list to hopefully bring in a few more dollars.

I got a call from my oldest daughter yesterday with concern she may have fractured a bone in her foot. It was a goofy thing where her foot got trapped between her chair and her desk, so a bit crushed on the side of her left foot. She iced it and went to bed. Woke up and found it very painful to even walk. Somehow she managed to hobble around campus, and late in the day went in for an xRay. Luckily no break or fracture, just a bone contusion. So she has instructions to rest, ice, and elevate. My mom gave her some Ace bandages to use for compression. And the doctor said she could take up to three ibuprofen for pain. My daughter was shocked at the dosage suggested. She is one to stay away from all drugs as much as possible.

About two weeks ago, we realized our daughter was dropped from our insurance because she turned 21. Luckily we got right on it and updated her information to show she is enrolled full time in college. But then yesterday, I questioned my husband that it really did take effect. Initially, it seemed that no it had not. He did some sort of online enrollment and then did get a letter emailed to him before she arrived at the clinic. The visit is free at the University Health clinic (up to five per year), but the xRays will need to go through insurance. She has a $150 deductible so that will need to be met before insurance pays. It is worth it for piece of mind, knowing she didn't break it...just felt like it!

It's a beautiful day here, were going out for a hike! Enjoy your weekend. Stay frugal and healthy.

Another Scholarship!

April 17th, 2018 at 06:24 am

My oldest daughter has a four year scholarship worth $14K per year, along with a $500 Honor's Scholarship. She also had another scholarship her freshman year (worth $1-2K). These have helped tremendously the first two years since we pay out of state tuition. This year, her third year, the Post 911 GI Bill has paid the difference after scholarships, along with a book and housing stipend. We have paid very little out of pocket this year. I need to do an update on that here soon.

We have been notified she is receiving an art scholarship next year worth $1500. This will be divided in half, so worth $750 per semester. This is most significant for the spring semester, as she will not have Post 911 GI Bill benefits to use, thus everything after scholarships is ours to pay.

We expect our daughter will be going an extra semester (Fall 2019) because she is a double major. That semester will be the most expensive, or possibly the least expensive. Scholarships will have run out (unless awarded a new one), thus the entire out of state tuition will be on our shoulders. She has been averaging 17 credit hours a semester, so the cost could be almost $20K. We do not have the money now and expect her college funds to be depleted by then. We are starting to think it would be in the best interest to move more of my husband's Post 911 GI Bill benefits to our oldest daughter just in time for her final semester. And then that benefit covers the entire tuition!

Our youngest daughter will be receiving in state tuition. Yes, her college is in another state. Smile Her tuition after scholarships is $3500 PER YEAR for the first two years, for 12 credits or more. The remaining two years will be higher as an engineering student, around $1500 per year, or $4500 TOTAL per year. Again, this is not including housing. Honestly, we can totally cover tuition out of pocket for her even in those higher cost years.

Our thinking now is to move more of the GI Bill benefits to our oldest daughter because the benefit to us financially is much higher.

At any rate, just excited our daughter was awarded a scholarship! Part of it will benefit our us directly, the other benefits the US taxpayer...paying less out of the GI Bill funds to the university.

In other news, received $10 Diamond Class Action settlement. Apparently enough leftover funds from several years ago to make another payout! I also sold a book on eBay last night, so few extra dollars there.

I sort of felt like a money magnet yesterday!

Rewards, Sale, Savings

April 16th, 2018 at 04:39 am

I've added some more cash to our Big Goal. Our plan is to add $108 per pay period. I keep forgetting when I do our budget in YNAB, so then I have to go back in and make adjustments for it to work! This is money from my husband's raise this year. We also save last year's raise. So we are still living on 2016 income!

I think I will switch this to an automatic savings transfer, then I can have automatically set up to record in YNAB as well. I can't let this money disappear into our spending!

I made an eBay sale last night. Net proceeds about $11 on something we no longer need or use. It had been listed for awhile, but I was okay waiting for the right person to come along.

I redeemed $22.99 from our Chase Freedom account. Cash will be deposited into our bank account in the next day or so.

Happy to have cash flowing in and the ability to save it.

March Snowflakes

April 10th, 2018 at 04:54 am

I just reviewed the snowflakes we received in March. Here's a breakdown:

$3.53 eBay proceeds (our portion, daughter received more)
$25.00 Amex reward
$20.00 Amex offer
$18.00 Rooms to Go settlement
$66.53 Total

Not much but it does add up!

On that Amex offer, we made a purchase at Boxed.com and received a credit on our Amex statement. I simply moved money from the Household Expenses category that would have been spent without the offer and put that money in the Big Goal category.

For anyone new, snowflakes is just a term for extra money. Since many people snowball their debt payments, finding extra money to add is a like adding some snowflakes to the snowball. We are debt free, so we simply add our snowflakes to our savings goals.

My Blogoversary

March 27th, 2018 at 12:39 pm

A few random updates.

I returned an item I bought last week to Walmart. It just didn't work like I thought it would. That put $3.94 back in our pockets, which I probably did really spend again, because I needed several things while I was there. And I also bought my husband Star Wars, Last Jedi that came out today on Blu Ray. I lucked out that he never paid money to see this in the theatre, so only buying the movie is a win! Sometimes it seems we have to do both. Ugh!

I earned $5.10 from Ibotta this month. Not a lot, but I don't buy many of the things they offer.

I have not been doing Swagbucks much this month. I have 1490SB currently. I'll just keep accumulating them when I feel like it. I also have almost 2500 MyPoints, which seems to be owned by the same company as Swagbucks!?

We had our daughter home for Spring Break last week. We did some extra eating out as a result, which I expected and planned for. And guess what, next week is my younger daughter's spring break!? I don't think it will cause us to eat out more, but I'm thinking we may do some shopping for clothes, or even some college dorm room items!

Budget is getting a little tight as we near the end of the month, but payday is Friday, so I expect I can stay within the budget we put out for March.

I missed my TEN year Blogoversary earlier this month on March 12. I'm quite shocked I have stayed at it this long. It's been fun, and very rewarding to reach towards our goals, andcheer each other on in this community all while creating a log of our financial happenings!

Next Quarter Cash Back & Upgrade

March 20th, 2018 at 08:04 am

I was reviewing next quarter's cash back offers. Chase Freedom and Discover have 5% cash back on Groceries. I'm not sure I will be using them though because I have upgraded our American Express Blue Everyday card with the Cash Preferred (I think that's it) which will offer 6% cash back on groceries, and 3% on gas and department stores.

I've known about this card for awhile...but with all the churning of card offers over the years I just didn't dip into this one most likely due to the annual fee. I try to avoid those, but sometimes in the end it is worth it!

American Express made it easy to upgrade. My account numbers are the same. We will get new cards. The annual fee of $95 is waived the first year. If we spend $2000 or more on the card in the first three months we will get a $150 statement credit. I do not expect this to be a problem.

We've been averaging earning $25 statement credit each month just using the card for purchases at grocery stores. At 6% cash back, I expect we can double this amount. And I think there is a limit to the amount you can spend and still get the 6%. Eventually, we may need to turn to another card. We do have another Blue Cash Everyday card in my husband's name so we could at least get 3%.

Now I'm starting to wonder if I should use the 5% back on Chase and Discover for the second quarter. That would help me not meet the maximum for grocery stores so quickly on the American Express. I guess I have a little more to ponder, as I would still need to spend $2000 to get the statement credit.

I'll get it figured out eventually! Smile

Oh, I did change our Electric bill to be charged to our US Bank Visa for 5% cash back. All set for next quarter...and hopefully all quarters following.

Rewards & Spending

March 19th, 2018 at 11:57 am

In the last week, as I have paid our credit cards in full, I found that two of them had rewards I could redeem. I redeemed $22.11 in cash from our Chase Freedom account. We have been using that card for fuel, cable, phone (Ooma) and Netflix purchases this quarter to earn 5% cash back.

Our American Express card had earned another $25 in rewards. This is applied as a statement credit, but I did put that same amount towards our Big Goal.

Today was a little spendy! My husband is home from work while our daughter visits. We ran to Target to pick up a sympathy card, light bulbs, shaving cream and packing tape. We decide to make this our day out to each lunch. We will eat at home the next few days, with more eating out to celebrate her birthday later in the week. And finally, we picked up some hair product our daughter uses from Ulta (did have a coupon). That was $83 of spending! I'm glad I added extra to our budget accounts.

My husband is going to get the oil changed in my van tomorrow. We have been saving for car maintenance, so no worries about finding cash for that! We are set.

Tonight I'm making [url=https://www.budgetbytes.com/2017/09/lemon-garlic-asparagus-pasta/] this [/url] for dinner. Some of us will add chicken. I'm also going to use some hamburger buns to make a garlic bread. I've made that recipe with green beans instead of asparagus with good results...even more frugal.

$18 to Big Goal

March 15th, 2018 at 05:22 pm

Are you signed up to receive notices about Class Action Lawsuits? I get my notices from [url=http://www.classactionrebates.com/]Class Action Rebates[/url]. It does pay off.

Today we received a claim check for $18 from a class action suit with Rooms To Go. We had purchased furniture with them and qualified as a claimant. We do not file claims that we have not purchased since that would be illegal.

This money is going to the Big Goal. Cash adds up!

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.

Snowflakes and More

February 27th, 2018 at 06:31 am

I redeemed Swagbucks recently for $25 deposit to my PayPal account. I sold two items on eBay and netted just over $15. I just transferred the money to our savings account. This is Big Goal money!

I did a ShopTracker for Pinecone Research, but I have not seen the credit to my account yet. That should be $3 when it arrives. And I JUST got the email that it has been credited as I was writing this. Timing is an amusing thing!

Payday is on Thursday, so I just paid off all credit cards and they are now back to zero. I do this twice per month, no interest is ever paid on the credit cards we use. Our February spending actually ended up being only $75 more than in January! I was surprised, as we had guests and we weren't trying.

I'm looking forward to adding up our interest for the month of February. I noticed that one of our accounts has increased the interest rate to 1.60%. Such a relief to us savers to see interest rates moving in a favorable direction.

I will balance and reconcile all accounts in YNAB later today or tomorrow. Some accounts are simple as we use them for just a few transactions a month. Other accounts take a little longer. Once they are all up to date, then I toss nearly all receipts, keeping only those that I may need for a return or for long term reasons, such as insurance claims or taxes.

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.