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A Few Updates

March 13th, 2012 at 03:23 pm

Thanks for the Blogoversary wishes!! So glad you are all here, too.

I cancelled the Goodyear credit card that DH opened in November when we purchased tires and wanted to get the rebates. I didn't have it all paid off until early last month, but it is finally cancelled! It was a Citi connected card, so I just emailed the desire to cancelled and received a response with in a hour or two. Easy!!

Orders from the Army to move should likely come any day. Tomorrow? I'm still working on things around the house to make it in saleable condition.

Today, I'm using paint I have on hand to touch up our kitchen cabinets. If I have time I will also clean up the dead leaves from last years daylillies. They are beginning to poke through on the south side of the house! Spring is here it seems.

Yesterday, we had several pieces of our driveway pumped up with concrete. It does have patched holes that are still drying, but it looks so much better and is not nearly as much of a safety hazard! That will set us back about $400. I am waiting for an invoice.

It has been a bit spendy lately, thus not as much savings to speak of. DH had about $500 worth of maintenence work done on the truck this past weekend. Always frustrating to me when he does this and it suppose to just be an oil change. Ugh!

So, what's new with you? Is it spring where you are?

My Comments On Valentine's Day

February 14th, 2012 at 06:04 pm

Yesterday felt a bit more like Valentine's day to me. Primarily because the valentines all arrived in the mail and by FedEx yesterday.

My DH sent cards to me and each of the girls. Cost: $3.49, $4.49 and $5.99. Plus a stamp to mail each of them. Flowers also arrived. The cost I see posted on our account was $47.96 for those. They are pretty.

Here's a picture.



I'm guessing this would be a $10 to $15 bouquet any other time of year, epecially if it wasn't shipped from California. Luckily, he didn't buy a vase to go with it. He has done this in the past. I've told him I have multiple vases.

That's a grand total spending of $64.57 including tax. An average of $21.52 each.

I'm not mad about my husband's spending. The flowers are pretty. It is really the only time of year he does make extra effort, other than my birthday. So I got to love him for that.

I personally did not send DH a card, or a gift. He's coming home this weekend. I was hoping for an inexpensive lunch or dinner out for all of us.

I also have not purchased cards or gifts for the girls. We are beyond class parties and the excitement has died down. I might make a simple valentine out of some scrapbook paper I have. Because I do love my girls and want them to know that I do love them on Valentine's Day, as well as, every day of the year.

They girls get the joy of going to the dentist after school today, thus a reason I'm skipping candy this year. We will have our traditional pasta dinner tonight by candle light. They look forward to that the most, I think! It really is the simple things.

Tell me about your Valentine's Day. Spending big or frugal? Or do you just opt out of it all?

Paid Part of the Bill

February 10th, 2012 at 10:14 pm

I took the advice of a commenter on my blog and made a payment using my banks online bill pay. The payment was for the CitiDividend Visa that wouldn't allow an oline payment until the statement cycled. I made a small payment to see if it would work and how fast. Basically it showed up in on my bank account and the card account the next day. So fast!

I will make the final $500 payment on Monday. The statement will cycle by this time next week. And I hope to have the rewards, $200, available to redeem soon after.

I redeemed my final $5 Amazon Gift card through Swagbucks today. I also got the final collector's bill today, along with the bonus points. Now to save for a $25 or $50 AGC by the end of the month! As of now I have earned $75 in AGC since January 1.

Lately, we have been eating quite a few Lean Cuisine meals. It seems to help me out when I need a break from cooking and with watching calories. We accumulated enough codes to redeem for a lunch bag last night. My daughter picked the color she liked. Based on past experience, it will take nearly two months to arrive. But it is free.

Move Update: We submitted our choices earlier this week, but now are waiting. We don't know how long the wait will be, but sooner is better for us. The first option is to stay here, but we think that likely won't be granted. My oldest daughter has her fingers and toes all crossed for that outcome.

Here's to hoping for a low spend weekend. I do know there may be some clothes shopping involved and groceries. How will your weekend be financially?

I Wanted to Pay the Bill

February 8th, 2012 at 01:11 pm

I wanted to pay my new CitiDividend card bill online yesterday. I have only had the card about 10 days. As soon as I activated the card, I input my bank information. No problem.

When I went to pay the bill in full yesterda, I was not allowed to because the amount was more than my previous statements balance. In this case that is zero, because I have not yet had a statement.

I contact customer service and they confirmed that is the case because the bank information is new and still being confirmed. However, I could call the automated system and input my bank information. For free. What?

I still haven't paid the bill. I'm annoyed. What is the difference between an online payment with the same bank information and one I do online? I don't get it and find it very bad customer service. But, what's new? It is a credit card company.

I will wait until the statement cycles, pay it online, claim my rewards, cancel the card and be done with Citi.

In good news, I found out I was approved for my life insurance policy. It is more than my initial quote by about a $100 per year, because of a health issue. However, it is $335 less than what I would have paid with my current policy. Very pleased.

Our auto insuance is going down by $40 for our six month premium, too. It seems we are getting the discount for being awesome drivers for over 5 years. Actually, we've been great drivers for longer than that, but now we are getting compensated for it.

Have you had that issue with a credit card company before?

Met The Minimum & Today's Green Smoothie

February 4th, 2012 at 05:59 pm

I met the $500 purchase minimum on the Citi Dividend card yesterday when I got the girls hair cut. I even went about $20 over. Now to pay it off, and wait for the statement to cycle be awarded my $200!

I did make my smoothie for lunch today. This recipe made about 16oz and equalled 254 calories. I might need a little more for lunch, but right now I'm full!

1c vanilla almond milk
1c kale
1T peanut butter
1/2c frozen raspberries
1T chia seeds

Have you tried chia seeds? Very bland, but high in Omega 3's and has more antioxidants than blueberries. Sixty calories per tablespoon. Oh, and they are suppose to be good for staying hydrated!

Moving Updates

February 2nd, 2012 at 04:43 pm

DH received "the list" today. The list of open positions and their locations. We get to choose our top seven and the Army goes from there. It's a bit overwhelming. Oh, any we only have until February 7th to complete our list.

The nice news is that he will be choosing from positions for Majors, rather than Captains. This is good because when he does get promoted, it won't require an immediate move. I think he only has another year before he is eligible to be promoted.

In financial news, I received $3 for a pinecone survey. That goes to the Christmas Fund!

Yesterday, I spent $50 at the eye doctor, for a quick exam/check for myself and my daughter. I was able to send my daughter old (but identical) frames in to get new lenses for only $16.50 at JCPenney. This was because she had a prescription change in less than 6 months. I ended up needing just one new contact lens, which I ordered online for about $45. I put all the charges on the CitiDividend card and now I'm just $45 short of the $500 minimum to redeem my rewards.

That's the news!! What's up with you?

Earned Interest

February 1st, 2012 at 02:14 pm

We earned a nice little $12.83 on the money in our emergency fund last month. I'll take it. Debating about adding this to our Christmas Fund, but for now I'm leaving it out. I'd like that account to keep growing, even if by a little bit.

I relisted an ebay item last night. This was the one that I sold over a week ago to a non paying bidder. The auction will end on Sunday, or before if someone takes advantage of the buy it now price.

My daughter and I are going to the eye doctor today. Not too thrilled that we have to go less than a year after we went last time, but when you need to go, you need to go. I will put the charges on the CitiDividend card and expect to meet the $500 threshold today for our $200 reward. That's good at least.

$50 Amazon Gift Cards

January 30th, 2012 at 10:49 pm

I have accumulated $50 worth of Amazon gift card this month through Swagbucks. Yipee!! That brings my snowflake money up to $205.23.

I have spent $318.84 on my CitiDividend card. I need another $181.16 to meet the $500 minimum to obtain a $200 cash reward. Getting close. I expect gas, groceries or a trip to the eye doctor will help in meeting the goal. If I get the charges built up before February 17, I should be able to redeem soon after the statement closes for the month. I hope anyway!!

Life Insurance Update and More

January 20th, 2012 at 07:41 pm

Darn. My original quote for insurance isn't going to stand. The montly amount was to be $23.30. They have increased it to $32.90, because of a health issue I have. I'm not entirely surprised really. And it could still change because they are waiting on records from my doctor.

This is still better than the policy that I have now that will be $720 per year if I renew it. This new rate is $394.80. I was told I will hear the firm rate in two weeks or less.

Enough of that boring stuff! I do have other good news. The window pane we had installed yesterday came to $168.44. It turned out to be $65 less than they quoted. And I'm not even sure why, but I'll take it. Of course, the Citi Dividend card I wanted to charge it to didn't arrive until two hours after the window was installed. I was hoping to charge it to the new card to count toward my $500 minimum. Oh well.

I tried to redeem Swagbuck points yesterday, but was reminded that I can only redeem 5 items per month, which I already did. It's all good. I'll just keep accumulating points and redeem something bigger next month!

There is a bid on my ebay item I have listed. That means I have a sale in the near future. That money goes to the Free Christmas Challenge!

If you didn't see my previous post, check it out. It is very exciting financial news. I emailed and texted my husband about it, but no response as of yet. I hope he is excited, too!

I Caved

January 19th, 2012 at 05:00 pm

...to the desire for Girl Scout cookies.

My daughter's friend is a girl scout and she asked if we wanted cookies. Really, who doesn't love a GS cookie? Why do they hve to have so many flavors we like? I bought 5 boxes! At $3.50 each. The math on that is $17.50 for cookies. Eek.

They come around once a year. It's for a good cause. The cookies will taste fabulous. I'll likely eat less since I'm on diet. Oh my I'm on a diet with GS cookies in the house!!

In good financial news, I earned enough Swagbucks to redeem another $5 Amazon.com gift card. I'm up to $25 now! Did I mention how it is a bit addictive? Would you agree?

Some Great Deals Today!

January 19th, 2012 at 03:29 am

Today is probably the nicest day we will have all week. So...I did a little shopping today in the stores and online.

I went to Target to get kitty litter. I planned to purchase two of the Arm and Hammer litter for $10.39 each to qualify for the $5 Target gift card. I ended up finding some on clearance for $7.62. I decided that this was the better deal, even if I didn't get the gift card. But, I did get the gift card!! I might go back for more, since it was such a good deal. I used my Mastercard gift card on this store purchase and will withdraw $20 in cash for the Christmas fund.

I bought two birthday gifts at Hobby Lobby. I used a 40% off coupon and left the store paying only $8.25 out of pocket. I like gifts that are inexpensive!

Since I shopped with Shutterfly this past holiday, I was sent a $20 credit to shop with them again. I bought 4 8x10's, 2 5x7's and 14 4x6 prints and paid $2.58 out of pocket to cover shipping and tax. I hope to use many of the prints around the house to slip into family photo frames when it comes time to list the house for sale. The prints are primarily shots of flowers and outdoor scenes.

I also shopped at iherb.com for lotions to give as gifts and stevia for my tea. I had to throw in a bar of soap for $0.68 to bring my total to $20 for free shipping. I had $14.06 in rewards credit, thus my out of pocket cost was only $6.23 for $20 worth of items. Have you checked out iherb.com? If not, you can use coupon code FIN012 for $5 off your first order. And remember, free shipping on a $20 order!!

It was great to get so many good deals today, especially on things I needed to get anyway. I'm guessing the next few days will be spend free, since we are getting more snow and I would just rather stay inside where it is warm and dry.

Truck Balance and More

January 18th, 2012 at 02:13 pm

I received another $3 Pinecone survey payment yesterday. This money will be added to the Free Christmas Challenge. I'm also pretty close to redeeming another $5 Amazon gift card on Swagbucks. It's a bit addicting. I'm not sure I can keep up the pace!

The truck payment posted yesterday, with $35.79 to interest and $293.34 to principal. Our new balance on the loan is $12,118.72. Less debt always makes me happy.

It looks like our new window pane will be installed tomorrow. That will be an outflow of $232.04. I have my fingers crossed that the Citi card I applied for might arrive in the mail today, so that I could use it for payment. That would make a nice dent in the $500 minimum I need to get the $200 bonus.

It's cold here and it looks like we'll be getting snow every other day for the next week. I shoveled yesterday, but I need to see if the snowblower will start up for this next round.

Christmas Fund and More

January 15th, 2012 at 03:50 pm

I was able to redeem Swagbuck points for another $5 Amazon gift card yesterday. I will be up to $25 with those. I accumulated all of those in the last three weeks, maybe two weeks.

I received a $5 rebate check in the mail yesterday. It has been deposited and added to the Christmas fund as well.

We went out to our local Botanical Garden yesterday. Nice to see so much green and take in the wonderful smells of flowers too. Spent $16. I decided to look at the expense as supporting a local business.

After the garden experience, we used a $10 Groupon for frozen yogurt. The $10 was absoultely free, with a coupon Groupon offered at the beginning of the year. At checkout, I paid $2.89 for four people to experience a flavor treat. An excellent deal!

DH heads back to school later today. It has been awesome to have him home for a month. Even with parking fees we will have broke even for the month. We stayed within our regular budget for spending. I'm interested to see what his utility bills are since he unplugged everything, but left the heat at a very low setting. I'll know in a couple days.

Another Vinyl Floor Quote

January 13th, 2012 at 10:55 pm

We went to another store today to look for vinyl flooring. Our first quote was $2,367.43 for the vinyl, installation and all the extra charges that it entails. With the exact same product, we were able to get the quote down to about $2,000 with the second store.

We also had the store show us some less expensive flooring that might work. Instead of $1.79/sq ft, we found another one at $1.34/sq ft. That helps, but the labor seems to be the most expensive part. The approximate quote was $1,759.54. That's a difference of $607.89 from the first quote. And they only charge $95 per toilet to remove and replace!!

The second store gave us their quote based on the square footage the first store measured. However, we still need to have them measure for a more accurate quote. We already found an issue with the first quote. They measured all the metal transition pieces at 35 feet. When we measured we came up with 15 feet. I sent an email to the first store about that!

Our next in home measure will be Monday. Clearly, we are looking around for the best deals we can find. We might need to hit the home improvement stores again for another quote...if we can find anyone to assist us. We been to two and there is no around. Ugh.

We have to at least do the bathrooms, laundry and entry. The kitchen could be skipped, but then we would still have two different vinyl patterns in the house.

We'll get there. This is just another example of getting more than one quote for big purchase items. How many quotes do you usually get?

I Never Say This: Busy!

January 5th, 2012 at 08:22 pm

Whoa! This morning was hopping busy here at our house. I had my medical exam for the life insurance application. Amazingly, I weighed about two pounds less than I do on my own scale. I gave over a couple vivals of bodily fluids. It all went fine.

Soon after, we get a call from a man to measure our floors for new vinyl. He arrived between the two companies that came over to measure a window pane we need replaced because it is beginning to accumulate condensation between the panes. The price for the new window pane is $232 or $272. Yep, we'll pick the company with the lower price. They had much better service anyway.

We hope to hear back on the vinyl estimate today or tomorrow. The price will be much more than we thought originally, for two reasons. We thought the price per square foot was $0.99 but it is actually $1.79. Also, we have three rooms with toilets that need to be removed during the process at $150 a piece!! Yikes, that is $450 alone. We could do it ourselves, but I would prefer DH be home if we choose that route. Which mean installing in the next week....not sure if that is an option or not. More clear decisions once we see the actual estimate.

Did I mention we got an estimate to have some concrete raised in our driveway yesterday? Yep, it's estimate city here. There is one piece of concrete that is a big trip hazard. It will need to be leveled. There are a few other pieces that should be done, but aren't as big of an issue. Estimate for the required piece is $195. Too add in the other pieces just another $205 more if done at the same time. This seems very reasonable, but we need to think through about whether to spend the minimum or go for the full amount.

We also went furniture shopping/looking today. This is really not something we should be doing, but we are looking into getting a new chair to coordinate with our living room couch or even a dining table for our kitchen. Just looking for now...I think!!

Oh, and I found $0.12 on the ground while we were out! Have you been this busy, too?

Flooring & Life Insurance

January 3rd, 2012 at 05:54 pm

I'm still in the processing portion of changing my life insurance. Thursday morning they come to my home for a simple medical exam. I fainted the last time I did one of these. I will definitely lay down this time!! I have to fast for 4-6 hours prior to the 9:30 am appointment. I think I can do that, especially since they want me to drink plenty of water.

We went looking for vinyl flooring yesterday. Our kitchen, two upstairs bathrooms, two entry ways and a laundry bathroom combination all have vinyl floors. They are three different patterns/colors of vinyl on the main level alone. The bathroom floors have stains and the laundry room has some major chips/dings in the vinyl (which I believe the previous owners caused when they moved their washer upon moving out).

We are interested in replacing all of it to match and create a bit of an upgrade and selling point for the house. Right now, using our basic measuring and math skills we are looking at $785. We expect the estimate to go up especially since three toilets will need to come out and then be replaced. We are willing to do a little work to prep ahead of time to save costs if needed.

We did get quotes on carpet, but feel that is more than we want to spend right out of the gate. Our carpet is light in color, but with carpet cleaning it seems to come back to life pretty nice. We will clean and put down plastic in high traffic areas at the time of listing.

Right now we are definitely leaning towards selling rather than renting, thus the new get ready to sell expenses. We can't be landlords from miles away and paying someone to do it isn't appealing either.

Life Insurance Changes

December 30th, 2011 at 04:57 pm

Yesterday, I received notice in the mail that my life insurance premium is increasing again this year. I have had term insurance, but the term ended last year and the premium increased from $295/year to $675. Ouch. Last year I paid it and planned to change policy holders for new term insurance. However, I totally forgot about it until the notice arrived.

The premium for the next year on my current policy is going up to $720 for the year. Don't like that one bit. I have already filled out an online application with USAA and hope to have this new policy in place before the next policy is due at the end of February. The current estimate for similar coverage is $280 per year!! It may go up once they complete the medical portion, but fingers crossed it won't go up too much.

I have just about saved the $675 for the upcoming premium. It will be nice to have a little extra cash saved for something else.

$100 Gift & $25 Donation

December 28th, 2011 at 03:51 pm

On my side of the family we agreed not to exchange adult gifts since my brother in law is currently unemployed. It worked well for us; saved money and time. Turns out my parents decided to keep on giving! We received stocking stuffers with chocolate, smart wool socks, coffee, and vitamin C packets. And then a card with a $100 check. We were definitely not expecting that!

On my husband's side of the family we gave to our neices and nephews, his mother and exchanged gifts with two adults. Perfect. Except his sister was put on house arrest for a DUI and unable to attend our gathering.

My mother in law decided we should take up a collection, since SIL is unable to work, thus pay her rent and so forth. MIL started the envelope with $20. She asked if we would have cash to donate. Normally we don't have any cash on us. We use our debit card all the time. But I did have cash. Frown So with mixed feelings we donated $25 to SIL.

We have mixed feelings because we feel this is an area of personal responsibility. SIL chose to drink and drive on more than one occassion, was caught, went to court and in house arrest and all that comes with it (unable to work) is the penalty. And if she can't pay rent, then that is part of the penalty too. Not our problem.

I'm sure our $25 and whatever amount was collected won't amount to making a huge difference. DH also doesn't think she will appreciate the thought in anyway. Or that we will ever hear a thank you. But giving $25 won't hurt us a bit either. It is what it is.

What would you do?

Christmas Nearly Free

December 23rd, 2011 at 10:36 pm

I finally totalled up my receipts for Christmas spending. Not bad and definitely less than last year.

Total spent on gifts and miscellaneous related items was $611.68. This total already includes some gift cards and store coupons that were offered. That amount equalled about $144.54!! So I guess closer to $750 in gifts purchased.

We also accumulated cash from craigslist and the fall garage sale in the amount of $211. We sold on ebay, too. Funds from surveys added to a Paypal redemption of $74.32. One item had a rebate for $8.99. We accumulated another $95 in Target gift cards. We redeemed debit card rewards for $25. And I have to add in the $100 cash my MIL gave towards gifts, since those gift totals are included above.

The total above is $514.31!!

Soooo....Christmas was nearly free at a cost of $97.37. We paid just under 13% of the total cost of gifts out of our own funds. Amazing!

And I have to laugh a little because my first run through with the numbers led me to believe Christmas was free. I forgot to include the cash we are giving to nieces and nephews which equalled $105! Darn kids. Just kidding!! Smile

So for those of you doing the Free Christmas 2012 Holiday Challenge, I definitely think it can be done. And I'm in for next year, too.

Christmas Spending

December 23rd, 2011 at 06:04 pm

I've been wanting to tally my actual net Christmas spending, but I have to say it has been a bit daunting to try to go through all those receipts!

I used so many coupons, cash and gift cards to make purchases in stores and online that it is hard to back track and come up with a total. I know I did get some good deals and some of them are on my blog earlier in the month.

It seems like I spent quite a bit less. Especially since I bought for fewer people. I didn't buy for teachers, my sister and her husband, my parents, or my two neighbors. I did sew something for my neighbors but just from my stash. I also didn't buy or send Christmas cards.

I might still get around to getting a total together. If I do, I'll be sure to let you know.

Do you know what your Christmas spending was? Was it more or less than last year?

Serve Card No Check

December 19th, 2011 at 09:34 pm

I did sign up for my Serve.com account last week and received my ATM card today. I'm still waiting for the check to arrive in the amount of $20

I don't have any particular plans for it. I guess that means it should be saved. Although that would be just enough to cover our outing today. DH and I went to see Sherlock Holmes matinee. Not too bad. He purchased a large soda, while I brought my soda can in my purse. I would have carried one in for him, but he declined and spent $5.

The Next Month

December 16th, 2011 at 07:05 pm

DH graduated from his first course today!! He's on his way home. He will only be home for a month and has to go back and finish another 4.5 month class.

His January rent is paid. His utility bills are recently paid and most things unplugged at the apartment. The airline ticket is paid. We will combine our flexible spending/allowance money for the next month for groceries and fuel. We will only drive one vehicle, since the other is parked out of state!! Maybe we can save a little by being in one household for a little while.

I'm Done

December 15th, 2011 at 02:14 pm

I'm done Christmas shopping. Sure, I could probably pick up a few more things to stuff the stocking. But really, the girls have enough. They are blessed with many people who will be giving them gifts. I don't see how one or two more things in their stocking will improve their holiday.

All that is left to do is wrap their gifts and, of course, stuff their stockings. I could wrap today and be done in 30 minutes or less, but I do want DH to see what I've bought. He will arriving home in the next couple days for a month long break!!

Today, I'll sit back and enjoy the peace of the season. Are you done shopping or are you still out there braving the stores?

Another Gift Made (Pic Included)

December 3rd, 2011 at 08:57 pm

I made a cosmetic bag last night for my sister in law. She is the one receiving most of the Bath and Body Works gifts.

Here's the cost breakdown:
Zipper (40% off coupon at JoAnn's) $1.05
1/2 yard gray fabic (inside) $1.74
1/2 yard print fabric (outside) $2.44
Ribbon purchased at a garage sale for $0.25

Of course, I didn't even use all the fabric or the ribbon, but if I did it would have cost $5.48. In reality it cost much less.

I did use interfacing to attach to the inside part of the outer fabric to make it stiffer. I already had that and the thread on hand as well.

Here's the picture:

Gifts for a Family

December 3rd, 2011 at 03:12 pm

Our family always gives gifts to my best friend and her family. We don't live in the same city any longer so generally we mail them to each other. She is married and has three children close in age to my girls.

Buying gifts for five people could be a financial drain, but I usually buy their gifts with coupons or on clearance. This is what I'm getting each of them this year:

Friend: Hallmark ornament worth $9.95, used a $5 off coupon. Out of pocket: $4.95 plus tax.

Friends Husband: A wallet on sale for $9.99, used a $10 off a $10 purchase coupon at JC Penney's. Making this item FREE. (Yes, I did purchase one other item for my daughters stocking to get to the $10 limit)

Teenage Son: A $10 gift card to a gas station. It was free with my renewed newspaper subscription. I'm still waiting for this to arrive in the mail. Fingers crossed it does.

Teenage Daughter: $10 Aeropostle gift card. My daughter has had this for a year and isn't going to use. I'm exchanging my last $10 Target gift card with her. Thus another free gift!

11 Year Old Son: I bought him a small lego set at Target for $9.99 and used a $5 Target gift card. My out of pocket cost was $5.32 on my Target Red Card.

Did you notice most items were free? I only spent $10.57 to purchase gifts for five people!! I'm not sure if these will be mailed or not, but it should only cost another $5 if I needed.

Target On Facebook

December 2nd, 2011 at 07:47 pm

Thanks to My English Castle for pointing out the great deal at Target that can be found on their facebook page. Spend $50 and get a $10 gift card.

Once you find the link on the Target facebook page, it takes you to a page where you can print the coupon for the gift card.

Umm...I did this twice today already! The coupon expires tomorrow, December 3rd. I also used coupons for the items I was buying and used my Target Red Card. These were given after I qualified for the $50 spending. One of my totals came to $43.92 after coupons. Smile

I only bought items we normally buy, including cheese, walnuts, toilet paper, pop, crackers, milk and a few other items I needed for holiday baking.

I know for sure that I'm using the two $10 gift cards to purchase alcohol for my brother in law. It's like getting his gift for free!!

Would you do the same?

November 23rd, 2011 at 03:59 am

My sister works as a teacher. Her husband has been unemployed for four months. He made about 65% of their income. This holiday season she has made some excellent decisions.

No holiday cards are being mailed.
She is not participating in the secret santa at work.
She also opted out of the cookie exchange.

They are not giving gifts to adults. This leaves gifts to my girls and their one nephew.

I even told her she could cut back on the gifts to the girls.

Would you have the strength to do the same in a similar situation?

Redeemed Rewards

November 22nd, 2011 at 01:45 pm

I redeemed rewards on our debit card equal to $25 and it has now been deposited in our checking account. This money is going to Christmas, too!

Most likely to purchase a $25 gift card for a family member. Free gifts! Gotta love them.

If you are buying gifts for free this season, tell us about it. It can be inspiring to those who haven't thought outside the box of credit for Christmas!

Used Target Gift Cards

November 15th, 2011 at 02:14 pm

I used the Target Gift cards to buy my daughter one her must have gifts. Regular price of the item was $49.99. I had $39.54 in gift cards. I used my Target Red card to pay the balance so I received the 5% off the balance of the purchase as well.

The gift cost me just under $11.00 out of pocket!!

The gift cards were some of those $5 ones you receive when you make certain purchases. I've been saving them up. I think I've accumulated at least $60 worth this year.

It's always fun to pay less out of pocket! Smile

Hallmark Deal

November 14th, 2011 at 01:03 am

Turns out I had another great coupon in my stash and I used it this weekend. It was $5.00 off a $10 minimum purchase at Hallmark Gold Crown stores.

I bought an ornament for $9.95 to give to a friend for Christmas. This, of course, still put me short of my $10 minimum purchase. Ugh! However, I decided to buy my parents an anniversary card which arrives just days after Christmas. I picked out a very nice $0.99 card to bring my total purchase above $10. My total after the coupon and tax was $6.60.

I'm very pleased that I could get a nice gift for my friend as well as a card for my parents. Glad for a great deal! Did you get any great deals this weekend?


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