Today I got the tax form in the mail for SIL's money. The weird thing is that it shows part of it for 2017 and part of it for 2016 on the same document.
Does this mean I'm going to have to amend my 2016 taxes?! I sure hope not - never have done that before. Ugh.
DH and I ate at Ihop Thursday night. I bought a gift card via swagbucks and got 125 SBs for the purchase.
I ordered off menu my DH didn't think they'd do it, but they did. We used the whole $25 card.
My car was getting pretty dirty and I was worried about the salt/brine - so today was a 50 degree day here and I decided to get my car washed. Along with half of the city ...
I paid $20 for the entire works ... I know, not the most frugal thing, but my car hadn't been washed since August... and I usually do the DIY wash and go places. So .. a splurge.
I have spent more on groceries than I was hoping for, but it still is under what I had been doing. Work in progress.
I have a 32 oz wide mouth jar of blackstrap molasses - I'd really like to find a pump lid for it. Any ideas?
I cashed out $75 in PayPal so far this month from Swagbucks.
I also cashed out for a $25 Amazon gc from Perk.
DH is making use of our tv setup. We watched the Viking's game on Sunday (Yay!) and he was watching the news when I came home tonight. So, it seems as though it was a well spent $40. I still need to figure out if we're getting channels from just the converter box or from the antennae and box.
I'd been noticing that we hadn't been receiving the weekly sales papers in our mailbox - since at least December. I mentioned it to DH and he suggested I call the local paper.
Instead I posted on Nextdoor asking if anyone else was having this issue. Most responses were no, but there was one other yes. I had someone from the local paper pm me and tell me we should have been having a newspaper delivered on Wed and Sun since Thanksgiving!
We'd somehow been selected for a complimentary subscription through February.
I wrote back and told him we had not gotten any papers - at least not that we'd noticed - we don't use our front door hardly ever!
He told me he'd talk to the courier and have a supervisor check on it (this was Tuesday.)
Wednesday morning I walked out our back door to find a newspaper there!
I'm anxiously waiting for Sunday's paper full of coupons!
Who knows how long this will last, but I'm all for it. As long as they start delivering our sales papers again once the complimentary subscription is over.
Anyone ever hear of something like this?
Viewing the 'Extra Money Tracking' Category
Today I got the tax form in the mail for SIL's money. The weird thing is that it shows part of it for 2017 and part of it for 2016 on the same document.
So I got to sleep in a little on my birthday. At least a bit of a lazy and easy wake up. I was greeted by the Alexa Dot playing a Happy Birthday song to me as my alarm - which was funny weird.
I had a doctor's appt for bloodwork at 9, but had gotten a call around 4 on Thursday which I was only able to catch part of (voicemail) and of course when I tried to call back the office was closed.
I tried calling before going, but got their answering service. So I decided to just go and see what was up.
Apparently since the city switched insurances (from BCBS to AETNA) the lab my doctor uses is no longer in network. Great - already had labwork done in November (start of new ins plan year) wonder how much that's going to bite.
They'd canceled my appt due to this ... I told them to please see if I could get into Quest (now in network) that day since I had the time.
So while they were getting this all figured out, I headed to Aldi's - they have mejodl dates 1 lb for $2.49!! I spent a total of $33 there.
Then I headed to Kohl's to see if I could find anything that grabbed me. There was one sweater I really liked - but not $26 liked. So left with nothing.
Next I headed to Lane Bryant. I got fitted for a new bra (down 2 cup sizes! Like I'd mentioned, desperately needed a new bra!) I bought two - used a $25 coupon - spent $76. I told my husband - glad these things last a long time!
While I was at LB I got a call telling me to go to a local hospital to get my labs done - walk in anytime.
I needed to put my groceries away, so I went home first, then headed to the hospital. That was at least 40 minutes later. They didn't have any idea I was coming. It was nearly noon.
30 minutes later I had my labs done - after the tech joked that she thought the birthdate was written wrong.
Now on to HyVee (grocery) to see if I could find the things Aldi didn't. Spent $16, but still was missing a few items (ordered on Amazon)
On my way to Bed Bath Beyond, I stopped at the Oriental Market and stocked up on tofu and a new bottle of stir fry sauce (vegetarian) - $13
At BBB I walked around for awhile and ended up getting a hanger for tank tops/cami's, a set of sillicone hot pads and some special glasses for night time driving (for DH.) I used two 20% coupons and a gift card. So no out of pocket cost.
Next I headed to Dollar Tree and stocked up on Frozen fruit and diced tomatoes ($.50 a can!!) ~$16
Finally I stopped at the Credit Union to make our weekly deposit, and then home.
I had planned on a mani/pedi but by the time I got home it was 3 pm and I was tired. Plus my mom was going to be calling me ... so I decided to just stay home and chill the rest of the day.
I did have some chocolate - the Harry & David's popcorn my brother sent, and chocolate covered potato chips from Aldi's ... Mmm yum!
Today I'll be taking it easy for the most part - although I do plan on getting some housework done. Dishes/sweeping/mopping/laundry..
Tomorrow I'll do something foodwise for my lunches, fill up a few more leaf bags, and .... Nutcracker!! Woo hoo!
I saw an idea somewhere about making shorter tops more professional looking by simply adding a layer of a long tank top. I'm going to be checking Goodwill for some. I have a few, but I think black would be best since my dress pants are all black.
I really need to replace my work flats. I'm hoping I can find Mary Janes that will work.
Is there something you can attach to the bottom of your shoes to make them more slip resistant?
I cashed out rewards points for our Credit Union account - $15 (This is the account that pays 3% interest!
Also Citi DC - $26
DH's ROTH is fully funded for 2017 - and has earned $500 since inception!! (started it in June or July I think.)
My ROTH is short $1045 from being fully funded.
I get a 3rd paycheck in March ... but there's so many places that could use padding .. pet fund especially, I don't know that putting it towards the 2017 ROTH is the best use of it.
To fully fund DH's for 2018 it's $500/mo.
To fully fund mine, it's ~$458/mo.
So, $958/mo. We're setting aside $1k/mo.
So .. $42x12 = 504
$1045 - $504 = 877
504/4 = 126
So, we'd need to set aside an extra $126/mo for 4 months to have 2017 and 18 fully funded. Ugh. Probably isn't going to happen. Just taking out the $1k/month is making our budget thin enough.
Or ... if I put the January contribution fully into my 2017 ROTH, then ...
13k / 12 = $1,083/month
So, $83 extra all year long. I wonder if that'd be doable ...
*FYI - DH never had any kind of retirement savings til we opened this ROTH. I had been setting aside funds for it til he finally agreed for me to get the ball rolling. I have retirement funds/accounts galore, although I've never fully funded a ROTH.
We are using the funds put in my ROTH as a very last resort EF since it's been open more than 5 years and they have more time to grow.
ETA - I just realized my calculations were based on $6k for DH instead of $6500. Ooops. But the $1083/mo still would do what I'm thinking.
So I checked the website today to see if our taxes were posted yet. They were! We paid ~$2300 last year - but they upped our taxed value from $113 to $142 so I knew they'd be up a good bit.
I guestimated $3k and have been saving $250/mo towards that.
The new tax amount? $2760! That means we have a choice - move $240 to the CRV tax/registration category or something else; recalculate what we need to save monthly and absorb remainder into budget, or keep the extra as a buffer. I'd be fine with any option.
I was told today that we should have protested our assessment since it went up so much. I didn't even think about it due to thinking there was no point - it was the accessed value at the time of sale. If so, too late now.
I got another leaf bag done tonight. Tomorrow afternoon I have my dentist appt in the pm and probably will get home a little early. Hopefully I can get 2 or 3 bags done before I have to go help out with the costumes for our living nativity. (Sat night program.)
I am debating on the wisdom of getting a $25 AGC card. It's a free $3 (only 2200 SBs for first one) vs the $25 Paypal for 2500 SBs. I sometimes wonder if I spend the AGC $ more freely because I don't have to account for it in my budget. Whereas if it is cash, then I have to account for it.
Is it worth it to lose the "free" $3 to get only PayPal from SBs? In a year's time that's equal to 1 1/2 $25 giftcards ... But do I piddle away $36/yr of the "free" money?
Lots of money spent at the vet the past few weeks on our little Sunny girl (cat.) Vet thinks she may have a c something virus.
We may have two teeth pulled and possibly have some mouth sores biopsied on her. Hoping we can figure out how to make her comfortable, if not better.
I decided to cancel the clean food dirty girl food plans - just too much for just me. Most things DH tried he didn't like. I'm going to go back to simple and boring.
I got my oil changed at Sear's today - used a Groupon I thought had expired, but it took it at full value! So I paid $4!
My brother's band had their album debut on the 22nd. My brother wrote five of the six songs!
I'm going to be opening an Infiniti account and parking $5k there at 5% interest. Then I'll have $16k in all at 5%, and the rest of cash at 3%.
I'm also considering this account where if you deposit $50/mo for two years, they'll give you $150 bonus. It works out to 10%.
*Both of these are on Doctor of Credit
Check your AmEx deals - Petco has a spend $25 get $5 off deal (online) plus lots of other deals.
Talking to my brother a few days ago, and I realized that he is 37, mom is 67 and grandma is 97!
We may be getting a little money from DH's sisters railroad benefits. Her son may be getting $12k and has said that he'll give us 10% since DH has done a lot of the work. We'll see what really happens though.
I redeemed $40 from ReceiptHog a few days ago.
So on Thursday I got my Retropay - minus the OT hours (next check) and it was $768.xx. After taxes and retirement, it was about $576 extra. Not too shabby.
1/2 of it will go to our general budget and 1/2 will go to my fun money.
I bought two clothing items from Grayson for $27. I'm disappointed in them, but it'd cost nearly $10 just to ship them back. So ... I'm thinking of just keeping them and making them work. One reason I don't like buying clothes online!
I hadn't updated our budget for awhile, but finally got around to it yesterday. I was surprised to see we'd only gone through 1/3rd of our budget.
Of course I need to go grocery shopping tonight .. so we'll see what happens.
I decided to sign up for the clean food dirty girl meal plans - $20/month. I've kind of been backsliding on my eating and think part of it is due to boredom. So I'm hoping that having meal plans set out for me will alleviate some of that. We'll see.
As some of you may remember, my brother lives in Napa. So far he has luckily not had to evacuate, but he's assured me he has his car packed and ready.
So sad about all those places destroyed and lives lost. Redwood Adventist Academy (one of my church's highschools) was completely destroyed.
I'm planning on going to see The Princess Bride on Sunday at our downtown theater. 30 year anniversary showing. It's also showing on Wednesday at certain theaters across the USA.
After that we'll probably be going out to eat at Golden Corral again - Groupon deal 2 meals for $19. (all you can eat Prime Rib ... yuck.) I'll be loading up on fruit and veggies.
We're making slow progress removing the brush pile that our errant fence guy created. Probably two more truck loads to go.
I have the feeling the fence will not be put up til next spring ... Hopefully all the wood we have will make it through the winter (for the fence.)
What a fiasco.
DH fixed the warm air blower machine. I thought it was dead and we'd have to get another one. But Thursday night he took off the shield and futzed with it for 5 or 6 minutes, and Voila! it was working again. $30 not spent!
I've put on the electric blankets and our wedding quilt. It was very welcome Thursday night, but last night it was too much.
Haven't turned the heat on yet though.
I'm going to Aldi tonight to see if they have the $50 HP wireless printer. Our printer stopped printing 6 or 7 months ago, and there have been multiple times we wished it was working.
This morning while out on my walk, I came across a baby squirrel sitting by the curb on the street. It was trembling from fear I think. I wasn't sure what to do, but I couldn't just leave it. So for about 20 minutes I stood there and made sure cars knew where it was. (It went out in the middle of the street at some point.)
Finally I thought of the Wildlife rescue place my DH has taken animals to in the past. I called and was advised to find an empty box to put it in, and leave it under the tree where I suspected it came from - then leave the area for an hour.
A man was washing his car across the street, so I asked him for a box. Then I picked up the baby and put it in the box. I stayed at a distance for about ten minutes to make sure the baby didn't escape, then reluctantly did another 30 minutes of walking.
The baby was still in the box.
I called Wildlife Rescue again and was told they'd get in touch with the volunteer and call me back. 20 minutes later with no call, I picked up the box and went home.
The cats were curious, but I kept the box in my sight.
2 hours later and still no call. I called again and was told the wrong volunteer had been alerted. Um .. ok. Ten minutes later I got a call with an address where to take it.
It was right around the corner from my late SIL's house! So after dropping off the baby squirrel in a kennel, I stopped by and picked up more of SIL's mail.
We are still waiting on the Railroad to see if she has any money coming. Then we'll know if we have to contact her creditors with a SOL letter, or decide who gets paid until the money's gone.
We're going to Golden Corral tonight - DH wants the prime rib. I bought a groupon - $17 for two people. I can find lots of fruit and veggies ...
I signed up for MoviePass - $10/month and see one movie per day at the theater. There's times I want to see a movie, but unless I want to pay $10, I'm limited to Tuesdays. So once my card actually gets here, I'll see how much I use it. I figure 2 movies a month would pay for it.
$100 - Swagbucks
$50 - Koinme
I didn't cash out on anything else because I'm trying to wait til it gets cheaper.
Also got my cost of living raise and 5 hours of overtime.
Sunny is still sick. I took her to the vet yesterday - antibiotic shot and steroid shot ... $96.
I also took Kari to the vet last week - she hurt her leg somehow. Another $90 for the visit plus pain meds.
My brother's band is recording an album right now! I need to set aside some money to buy it.
I found out last week that Walgreen's will be starting to expire any points over a year old as of August 25. I'd been saving for the $50 level, but that wasn't going to happen before the 25th.
So, I went and spent $20 of my points - and got a Bluetooth iHome wireless headset. I used it for the first time Saturday, and I really enjoyed not having to deal with the headphone wires! I also took a call, and my grandma was able to hear me fine.
I got a lot of admin work done today, but not much housework. Ugh. So far behind on that ...
We have 3 more eggplants ... I might make a lasagna with the eggplant sliced thinly for noodle layers (experiment ...) Whatever I can do to get them used up.
I hate to say it .. I'm still slowly losing weight, but my energy level isn't any better. I'd really hoped that cutting out the animal products / sugar and upping nutritional foods would change that. No dice so far.
I still have been unsuccessful in getting the meds in Sunny. Hopefully DH will manage it.
So without a word to us, the person started working on the landscaping part of the fence project on Monday. We think he's dragging it out as long as possible before needing fence supplies ... for whatever reason. At least its started!
I'm trying to figure out what to save for property taxes. This year we paid $2212 for an evaluation of $114k. Next year our evaluation will be $140k (what we paid for the house.)
I'm guessing that'll be about $3k. The first half will be due May 1, and the second half due August 1.
I at first just made the goal to have $3k by July, but I've been thinking that that might be more than I need to save each month or perhaps less.
I need $1500 by April, and then another $1500 by July. What is the best way to do this? For whatever reason, I just can't get my brain to figure this out.
I paid the cremation costs on the new AARP Chase card - so should get $200 cash back on the next statement.
Snowflakes for July:
Bing - $5
Dietbet - $288
Earnably - $15
Earnhoney - $10
PACT - $11.29
Perk - $25
Pinecone - $12
Swagbucks - $125
Youlotto - 5.07
1/2 of these will go towards our spending money and 1/2 will go into the general budget.
I overspent on groceries this month ... a lot. I had tried to keep it to $200, but right now we are at $314. Most of the spending was in an effort to have lots of choices stocked for DH to help him on the eating healthy challenge. Which he didn't even make past day 1 .. Sigh.
I'm budgeting $300 for this month to be more realistic, but am hoping to keep it lower.
Our August budget is going to be tight. DH missed 4 days of work - unpaid. But September should be pretty flush - I have 6 - 8 hours of overtime in August, plus a 3 paycheck month.
However, it's looking like DH will be having shoulder surgery - with a possible 2 - 6 weeks off work. Gulp. Unpaid. So I'll be squirrelling the extras from August into an off work category. Hopefully DH can do some eBay sales during that time so it won't be totally without income. I'll also hold off on sending money to our ROTH's in September in case we need it.
DH is turning 51 on Thursday! We may be going to eat at a place about an hour from here to celebrate.
We'll be able to file the small estate affidavit on Friday for SIL. So we can pay ourselves back for the cremation and DH can contact the railroad. If there is money coming from there, then we'll deal with the medical bills. If not, then the medical places just will have to eat the costs.
I'm still going strong on my new way of eating. I haven't had chocolate or processed foods or other junk foods in over 5 weeks!
The weight loss is going slowly, but it is progressing downward. The last time I weighed this much was around 2005! Another 20lbs and I'll be where I was in 2004 when I first met DH.
We had some torrential rain here this last week. I saw someone get stuck in the water driving home from work. When I got home I asked DH if he'd checked the basement for water. A few minutes later he calls me and tells me that not only is there water - but standing water!!
He goes outside to check the gutter pipes while I start vacuuming the water. He found out that the end of one of the pipes was clogged with mud and acorns. He tried to clear it and then realized the clog was near the roof ...
So ... I got up on the roof ... DH handed me a branch from our yard that was curved (after I'd tried with another stick) and I got it unclogged! Then came the petrifying part - getting off the roof!
We're going to have someone replace that pipe with something bigger so it doesn't clog so easily.
I bought a Shark vacuum a few weeks ago - the kind you can take part of it off and use as a dustbuster. I absolutely LOVE it! It's easy to clean and it does the job! I paid $79 for it after using a $50 Walmart card - it was a refurbished deal.
I stayed home two days this week to try to catch up on housework and projects. Sunday I did a lot of cooking and some cleaning. Monday I did a lot of phone calls and computer work. Tuesday
I went through my closet and found a large bags worth of giveaways and reorganized everything else. I also got most of my artwork hung.
I wanted to hang my mirrors but I was too afraid to use the stickies - though they're made to hang 16lbs. The mirrors are at least 30lbs each.
We have plaster walls so I'm just not sure how to hang something so heavy.
So, starting off with the best ...
I lost a total of 32 lbs since January 17 and won
$288! A profit of $173 ($115 starting bet.)
Better yet though, I feel as though I have made real changes to my eating habits.
One prime example - every other time I had finished a weigh in (and won) I had given myself permission to go "off Plan" for a day ... or two or three... This time though, I have just kept on trucking. Eating the same way I have since I made the decision to go fully Whole Foods Plant Based no refined sugars, limited salt/oil.
Yesterday at work someone had brought in several boxes of doughnuts. Some of which used to be favorites of mine. Thursday I was able to look at them, remember how good they tasted, but realize I didn't really want them.
Today there still were some left, and I had to go by them a zillion times ... it got harder, but I told myself I could have a "milkshake" when I got home. (dates, almond milk, a handful of walnuts, peanut butter, cocoa powder) Yum!
In the so so category ...
The memorial for SIl was on Saturday afternoon. There wasn't a huge turnout. Most people seemed to be either neighbors or friends of her son. It was kind of sad really. DH was both relieved and disappointed at the turnout (he wasn't looking forward to being focused on by a bunch of people.)
We took care of SIL's ashes last night, and then stopped by DH's stepdad's house. Oooh boy. When he goes, we're going to have a lot of fun with his place. Not. He has barely a walkway through his house. It's not filled with trash, but with STUFF. Loads and loads of framed pictures lining the walls (not hung, but leaning against the wall.) 50++ dressed mannequins, a room full of Barbie dolls in boxes and other dolls. And so much more. He's 86 and definitely not in good health.
DH's sister had gone over to his place every Sunday and "shared a beer" with him, up til a month or so before she got really sick. DH won't "share a beer" with him, and if he goes over there once a month that would be amazing. (No love lost for stepdad - Hitler is one of his heroes. As is Sarah Palin and Trump. Ugh. He was a real turd to DH growing up.)
DH would really rather have nothing to do with him, but I think his good side will win out over his enmity towards the guy. He's all alone now ( a bed he made for himself, as DH says)
It's just really sad.
Now for the stuff that makes my blood boil.
DH knows this guy through work who has done projects for the pizza restaurant owner many times over the years. He also does fences.
So .. DH talked to him about doing our fence.
After many delays, he finally comes over and gives us an estimate.
A few weeks later (after DH texted him several times) he called DH to say - I was waiting to hear if you wanted to go ahead or not.
So, DH writes out a check to him for the cost of the materials = $2254 and I tape it to the back door. The check is cashed by the end of the day.
I call the utility line to have them come out and mark the property. The materials were supposed to be delivered by the end of the week.
DH texts him to find out what's going on.
DH texts him again. "Oh! I texted you a week and a half ago blah blah blah. My guys will be there on Thursday."
I call the utility number to have the lines refreshed.
DH texts him.
DH leaves him a voicemail.
DH calls again and leaves a voicemail.
"Oh, I'm so sorry. My grandfather died and I've been dealing with that the last month. I just got back into town, and should be able to start Friday morning."
This was Wednesday. He was seen at the pizza restaurant Saturday morning.
DH leaves him a voicemail telling him that if there is not some movement on this project by Monday, we are going to ask for our money back.
I'm not looking forward to going to small claims court.
DH's sister is rapidly deteriorating. The nurse has said that the end may come by the end of this coming week, if not sooner.
We had a family meeting with the social worker on Friday afternoon, and were able to get her to sign the Power of Attorney form so DH can do stuff with her financials and health decisions. The hospital really dropped the ball on this big time. A week ago she was MUCH more lucid and would have had an easier time doing all the needed paperwork. At this point, we're glad just to get the POA.
Although she doesn't have a will, from what I have been able to find out, she qualifies as a "small estate." So, there probably won't be too much red tape as in probate stuff. Kind of like with my dad.
DH took a day off work last week and is planning on taking another one off this week to help with stress relief and get stuff done that he doesn't have the energy too with spending two afternoons over at his sister's...
We had our July budget meeting Thursday night with the new budget setup. I think it will be much simpler to do.
We are having a ton of issues getting DHs Vanguard account setup. So very frustrating.
I got an offer from my Barclay's card - spend $750/month for 3 months and get $50. I thought about it, but then realized that it probably isn't worth the hassle. $100 might be, but not $50.
Swagbucks - $25 Walmart; $25 Paypal; $25 PP; $25 PP
Pact - $10
Earnhoney - $5; $5, $5
Earnably - $10; $5
Yoolotto - $6.75; $5.67
MyPoints - $25 PP
FetchRewards - $10 in Walmart gift cards
Inbox Dollars - $40.42
Bing - $5 AGC
CC Cash back:
Citi Double Cash - $162 (several months worth)
AE Blue - $25
*I found out some sad news. PACT is shutting down the second week of July. I've been using it for nearly 5 years. The silver lining I guess is that my phone won't be filled with food pictures anymore.
So last night I set up Walmart Pay on my phone. I added a couple gift cards I'd earned from a defunct app which I'd never printed.
Then I carefully consulted the various rebate apps to see what I could use and headed to Walmart.
At Walmart I got some of the items on my list which were a good value.
Then AFTER checking out, I find out that there is NO PRINTED RECEIPT!
I should have gone over to customer service and returned the items/rebought them, but I my frustration level was high and I didn't think about it.
So I headed to Aldi just to find out they were closed.
Then I went to Hyvee and got a rebate item plus almond milk.
Pretty much the only app the Walmart receipt will work for is ReceiptPal because they take ereceipts.
I would go there today and do a return/repurchase, but the rebate value isn't really worth the time or gas.
Sigh. I'm guessing Apple Pay works the same way.
I got the $5 bonus from iBotta and cashed out for $25 PayPal.
I also have hit the $40 mark with Inbox Dollars, and will cash out tomorrow when it credits.
Tonight we are going out to eat at a pizza place called Romano's. DH has been wanting to go for several weeks, but I couldn't because weigh in day was too close. Now that next weigh in isn't til July 17, I can go out to eat.
Ever since my DH injured his so-called "good" shoulder, I have been contemplating what would happen if he couldn't work anymore. I realized we would be in a *very* tight spot. Yes, we have reserves which we could repurpose for daily expenses, and could cut into the stocks ... But that just feels like a short term solution with long term consequences - since the reserves and the stocks are for long term needs.
So, after a lot of thought and juggling of numbers on my part, and then the ensuing discussion with DH, we have made a mutual goal of fully funding both of our ROTH's by the end of this year. $12,000.
We already had $3555 set aside for whenever we opened DH's Roth. Then I felt comfortable putting the $1900 we had set aside for the EF. I also decided that as much as I would love to do a cattery design in the cat room/family room, that by the time we had saved enough to do it, we'd probably be down two cats. So ... I'm putting the $455 set aside for that towards our goal.
That just leaves $6,090 to reach our goal. Or, an average of $1,000/month starting in July.
We are cutting our spending money from $400 to $0. We are cutting the Date Night category from $100 to $60. Groceries will go from $300 to $200. I am also stopping the $25/mo Extra Principal. Plus, I will be stopping my extra contributions to my 457 at work - this will add approximately $140 back into the budget. There also is the $185/mo we've already been setting aside for DH.
That puts us at $890.
Which just leaves $110 to fund each month.
Our plan is to take 1/2 of whatever we make (profit) in side jobs or overtime and put it towards the goal. The other 1/2 will go towards our own spending money.
If we reach the $12,000 goal early, then we will decide what we want to do.
DH has also agreed to sell the non-functioning Honda! Not paying the title/registration for that thing will add back at least $100 which we can also put towards the goal. The sale price of the Honda though I think we'll put all into DH's car replacement category.
The purpose of all this is to get as much money put away as possible in a place that will most likely outearn the 2.5% of our current checking, and even the 5% of the Northpointe checking, but still be assessable if circumstances warrant it. (Contributions only.)
Best case scenario we won't have to touch any of it for ten or eleven years.
I'm going to be doing a new budget in YNAB to reflect all this, plus to cleanup the current budget.
*I just thought about something - we have probably $200 in cashback rewards on our cards - that could go towards our goal too.
June Snowflakes as of 6/17
June Snowflakes so far:
Swagbucks - $25 Walmart; $25 Paypal; $25 PP
Pact - $10
Earnhoney - $5; $5
Earnably - $10
Yoolotto - $6.75
MyPoints - $25 PP
FetchRewards - $10 in Walmart gift cards
**On Swagbucks there is a deal where you contribute $9/month for 4 months to WCF (World Wildlife Fund) and then 60 days after the 4th contribution you get 6500 SBs. So, a $29 moneymaker (plus you get a nice tote bag for grocery shopping.) Someone on the FB Swagbucks Swaggernauts group verified this offer with Swagbucks.
Dietbet Round 5 weigh in was today - and I made it again! Now just one more month to go for the final big payout!
On iBotta there is a current bonus called Dash for Dollars. You only have to complete ONE branded rebate by the 19th to get a $5 bonus!
At work we are doing a meal train for the dispatcher who is going through chemo right now.
I was thinking of doing a meal of corn pudding, green beans, mashed potatoes and brownies. My DH thinks there isn't enough protein. There's cheese in the pudding, but I can't think of anything else that would go with it.
Dh suggested lasagna .. but to me that would be so much more work, and more expensive too since I already have most of what I need for the pudding meal.
DH called me this afternoon to tell me had the quote from the fence guy. At first he said it was $7k! I just about croaked. I told him we'd have to wait til next summer, unless he could make some quick sales of his audio stuff.
He called me again five minutes later and told me he had been looking at it wrong - the quote was $4895. That's more like it! I told him if he saw the fence guy, to schedule a start date!!
We'll be having two small gates and one large gate, plus some trees and bushes removed / trimmed. He also is going to bury one of our gutters.
It'll be so nice have a fenced in yard.
June Snowflakes so far:
Swagbucks - $25 Walmart; $25 Paypal
Pact - $10
Earnhoney - $5
Earnably - $10
So $50 in cash so far. $25 to my ROTH.
My DH and I both get $200 each month for spending money. For me it covers tithe/offering/clothes/computer/phone, etc. For him it covers phone/computer/clothes/electronics/boat/tv/items he just wants to buy to resell/his soda habit, etc.
As part of this negotiation, it was agreed that whatever "funny money" (his term for my snowflakes) I bring in are to be added to my spending money. If he ever actually sells anything he bought with his spending money, he also gets to keep it.
So .. $160 of my SM goes to tithe/offering. That leaves me with $40/month to decide what to do with it.
I have a lot of categories I put the money into - phone replacement, computer replacement, Entertainment/Eating Out (when done by ourselves, otherwise it goes under date night), Nails, Clothing, Phone farm, Home Gym, and Gifts.
I've been reading CCF and MEC posts about their big savings goals and have been doing some thinking.
I would really like to have more money being socked away for retirement. Currently I have it where we set aside the same amount for each of us - mine in a work IRA, and DH's in a yet to be opened IRA.
What we're putting in to each is not even enough to 1/2 fully fund. (esp for DH since he is 50 and is eligible for catch up.)
The only way we'd be able to fully fund two IRA's would be to get rid of the cats and two vehicles. Probably the money we currently set aside/spend for those numerous categories would do it. (Car Maintenance, Car taxes/registration, Car replacement, Vet fund, Food for cats, Food/medical for non-cats, fund for catifying living room ....)
That's not going to happen, so on to more realistic ideas.
So ... since it can't really be done with our shared budget, and I'm probably more likely to need lots of money for retirement (for a number of reasons) .. I've decided to set one major saving goal to be fully funding my ROTH.
This will be done with my "funny money."
The $40 will go to phone (10)/computer(10)/clothing(10)/(5)gifts/(5)Entertainment.
The funny money will be 50 / 50. 50% goes to the ROTH goal, 50% goes to other categories.
I'm also adding a category - Housekeeper. I'd like to hire someone 3 or 4 x a year to come in and do the deep cleaning stuff like windows, oven, fridge ...
If I somehow manage to fully fund the ROTH, then the 50% will be put aside for an investing fund. When that gets to $3k I'll put it into a Vanguard index fund.
Besides my current "funny money" schemes, I am debating about doing online tutoring via VIPkid. 10 hours a week could net $800/month+ pre-tax. 30% would be set aside for taxes. 35% to the family budget, and 35% for my saving goals.
Before I could do that though, I feel like I need to get a good cleaning/maintenance system established. So when I suddenly have ten hours less a week to do whatever, the house doesn't fall apart.
I've been looking at/reading about the SHE system (Sidetracked Home Executive.) I like some of their ideas, but am going to adapt them a bit.
I plan on doing a point system. Each job is worth so many points. Both DH and I need to complete a minimum amount of points each week. However, if we make more than the minimum, the person with the most points gets to decide whether we eat a homemade meal (on their night) or go out to eat at their choice of restaurant. Plus another benefit which would motivate my DH.
Small jobs are ones that take 15 minutes or less - worth 1 point. Medium jobs take 30 minutes or less and are worth 2 points. Large jobs are ones that take an hour or less and are worth 3 points. X-Large jobs are ones that take two+ hours and are worth 4 points.
A small job would be wiping the counters in the upstairs kitchen and bathroom. Or sweeping the upstairs. Or 15 minutes of general pickup and put away.
A medium job would be trimming the bushes. Or doing something like changing the car oil. Or mopping the upstairs. Or 30 minutes of decluttering an area. Or updating the budget.
A large job might be washing a car - inside/out. Cleaning 4 litterboxes (dump and rinse.) Or an hour of decluttering. Or going to a physical therapy appointment.
An extra-large job would be mowing, or shoveling snow, or cleaning the gutters, or shampooing the carpets, or two hours of decluttering.
Each type of job will go on a color coded index card. The cards will be kept in a file box. It will be divided into sections. One for DH only tasks (divided into the 4 categories). One for me only tasks divided into the 4 categories). One for Anyone tasks divided into the 4 categories). And then a completed section where the cards that were finished go (one for each of us.)
On each card will be a description of the task, its point value and a space to pencil the date completed and by whom. There also will be a note on it saying how often it should be done (like gutter cleaning, 2 x a year?)
On Sunday night we can each pick out which cards we think we will do for the coming week.
We both will also have basic routine cards - i.e.
the least to do on a daily basis. For example - In shared living spaces, pick up our own stuff - don't leave things on the counter/floor/door that don't belong there. 10 minutes of general pickup. DH - Scoop one litterbox in the basement. Me - Scoop all the litterboxes upstairs. Dishes go in the kitchen. Trash goes in a trash can. etc.
If we work together on a job ( like we both spend an hour working on the boxes in the basement) we both get the points for the job.
I still have to present this to DH ... so we'll see if this gets past the thinking/planning stage. I'm hoping the allure of eating out plus the other will be enough ...
I discovered a new receipt app - Fetch Rewards. It mostly earns the big points if you buy name brands, but they do give points for receipts with no name brands too. I've been using it for a week, and have enough for a $5 gift card (bought Boca veggie burgers, and DHs mountain dew...)If you decide to check it out, my referral code is G1GHV. We'd both get 1500 points.
Another earning opportunity is the website earnably. I just cashed out for a $10 paypal yesterday. It's one you don't have to babysit. If you want to help me out, use this link: https://earnably.com/i/lneerg or just search earnably.
I've cashed out for $100 on Swagbucks this month ... mostly thanks to nCraves (all you can eat!)
I'm almost to $30 on Inbox Dollars, but will wait to cash out at $40 - so a few more weeks.
I *might* be able to do a second cash out on Perk for $25 this month. I just need a bit less than 6000 points by Tuesday.
If any of you are interested in getting more into passive (mostly) earning - check out the FB group Making Money with smartphones. That's where I'm learning about some of these things. Also, the group Swagbucks Swaggernuts.
So ... DH got into a scuffle Tuesday night with a co-worker 20 years younger than him .... Thankfully no work repercussions, but he really messed up his shoulder that hadn't had the replacement. He's going to try physical therapy to see if that helps.
In the meantime he can't use the new weedeater, and probably can't mow the lawn.
So guess what I'm doing this afternoon? Learning how to mow the lawn! He says we have a manual weedeater thing that he can use - so he'll be doing that and leaf blowing.
At least he didn't get fired. Sigh. (The other co-worker started it. A real turd.)
I'm watching a series on Netflix - The Paradise. A BBC program about a retail store. Enjoying it so far.
I also watched Anne with an E. I was so sad when I realized I'd watched the last released episode.
I got a letter from the place I interviewed at saying no thanks. Sigh. Just have to keep looking I guess.
We're having our budget meeting tonight after we go out to eat at a local Mexican restaurant (Swagbucks local place 300 SB bonus + 7SBs per dollar. )
We spent a lot of money in May - will be getting some nice cashback on the Citi card. I had to do a little WAM'ing for some of the categories, but mostly it was some things that were a bit more than planned for.
We bought a lawnmower, a ladder, a weedeater, and a leafblower amoungst other things ... (oh yeah - more string for the weedeater too) $$$
June hopefully we'll be getting a fence put up - if we ever can get an estimate!
Well the one bright spot right now is that I have one 4 of 4 rounds of Dietbet - winnings are about $90 so far. I just need $25 more to recoup my initial bet, then the rest is gravy. I have lost about 26lbs from my initial weigh in. Nobody seems to have noticed yet, but I can tell a difference in how my clothes fit.
For larger people like me, it seems like it takes a loss of more like 50 lbs or more for anyone to venture to guess ... are you losing weight?
Work ... ugh. Ugh ugh ugh. I don't know if interviewing is really a good thing or not ... it gives me hope of getting out of there for something better .. so I start getting irritated even more by stupid things.
I thought I was to hear back about the job by yesterday. The fact that I haven't makes me feel like its probably a no. I hope I at least get the courtesy of an email.
DH found a leaf blower he wanted on the Sears website Thursday. So on our way to dinner we stopped by. The in store price was more. I couldn't pull up the online price on my phone. DH was really irritated and didn't want to bother talking to anyone.
Friday I found the offer he'd found and took screenshots and printed them out. Then after work and making the bank deposit I stopped at Sears. I told a sales person what I was looking for and asked him if he could honor the online price. He cheerfully said he could - then thanked me for being pleasant. He'd apparently had a lot of unhappy people to deal with that day.
I told him I could relate ...
So .. the leaf blower in store price was $59.95. Online price was $47.95. I had $7.03 in Shop Your Way points - walked out with it for just under $43.
My DH was quite happy when he came out to the kitchen on his way to work to see I'd gotten it.
I did call my mom for Mother's Day. It went fairly well. I bit my tongue hard when she told me she and paramour had both sold their cars and bought one new one. I badly wanted to ask if her name was on the title ... If she does ever decide to leave this guy *for real* she's kind of painted herself into a corner. Sigh. She's an adult.
I started a new money making website - Earnably. Pretty good so far.
Almost forgot! On Wednesday DH and I bought a ladder from Menards. DH started cleaning our gutters by standing on the third rung of the ladder and moving the ladder constantly. After about twenty minutes of me watching him do this, I offered to get up on the roof and finish the job.
Ii have no fear of heights, while DH does. It was my first time on a roof - and it was a little nerve wracking. But I got used to it quickly. It was actually quite fun ... until I had to get OFF the roof.
DH held the ladder tightly for me and talked me down. Whew! Now our gutters are clean!
I got a haircut and a mani/pedi yesterday. Today I wrote out my 3 paragraphs about why I want to work there (which I was asked to do) and DH proofed it for me. Then DH let me use him as a practice board for questions until he had to leave for work.
I'm slightly anxious, but overall feel much more prepared and in a better frame of mind than the library job interview.
It all of a sudden got hot here! The last two nights were miserable for sleeping... Tonight it has cooled down enough to be comfortable thankfully.
The little fan I used last year is pretty much worthless, so I will be getting a box fan soon. Maybe tomorrow.
I paid my auto and the home insurance today - $1110. That'll be some nice cash back.
Some recent snowflakes (this week) -
$50 AGC from Koinme
$50 Paypal from Swagbucks
$25 AGC from earnhoney
I had meant to do paypal for Earnhoney, but I guess I wasn't paying close enough attention. OOps.
I have enough in my phone fund to get my new main phone (iPhone SE) but I may wait a few more weeks to order it.
I've been watching Cable Girls on Netflix - just finished episode 8 last night. Definitely different (and not for youngsters)
I'm not looking forward to calling my mom on Sunday. I haven't talked to her since New Year's. At that time she decided to go back to the man who'd shown over and over and over he couldn't be counted on. I told her she was an adult and had to make her own decisions, however I wanted nothing to do with him nor his money.(She'd constantly bring up that he was going to leave my brother and I a significant amount - though BOTH of us repeatedly told her we didn't care about her leaving us money!) Somehow I think she's taken that to mean I don't want anything to do with her.
Honestly, I'm not sure what would be safe to talk about. Trump? Nope. The man? Nope. My recent trip that she knows nothing about? Nope. Hmmm.... I can't not call her. Ugh. I guess I have to play an adult.
So ... not much else really.
So.... today I had a talk with my supervisor - after asking for the 11th pm off.
Long and short - I told her I am looking for another job. That it has nothing to do with her - but mostly my getting stressed out by the cash aspect. I also told her I was worried about the longevity of my position for a number of reasons.
In a nutshell, she reassured me that the cash aspect is not something to be so stressed about (be careful, but not fearful), and that my position isn't going anywhere.
I'm still going to interview for the job, but mainly for the experience (and I don't know who to contact to cancel.) If I get offered the job, I will think about it, but I'm leaning towards staying put.
I'm glad I told her, even if it was really hard.
I got a $25 AGC from Perk today. I also did a Schwan's offer for 4000 SBs which instantly credited (spent $27.40 after 30% coupon.)
I stopped at Dollar Tree and stocked up on frozen fruit, etc. Then got some bananas from HyVee. About $10 altogether.
Are there really people who don't know Hitler killed 6 million Jews in WW2??? A co-worker today made a comment expressing shock at that number (reading something in the newspaper.) I kind of thought that was basic high school history ...
My new computer arrived on Wednesday, but I didn't set it up until Saturday night. Windows 10 definitely takes some getting used to (at least its not Windows 8!)
My old computer is still working, so I'm using it to run videos on while surfing on my new computer. It can connect via WiFi to my modem, but I think I'll be getting another Ethernet cord to connect directly.
I upgraded my monitor and keyboard - already can tell the new keyboard is loads better than the old one. My monitor is a 23" - watched The Secret Life of Pets on it last night. Sweet!
Last night I used one of the two $25 gift certificates I got for transferring two prescriptions to a local grocery store. Spent an additional $14.
I also went to Aldi. I was a little frustrated because two of the four main things I went there for, they were out of - Almond Milk and the frozen 85% beef patties (for DH.)
We overspent on Groceries in March by $17. In January and February we came in ~$80 under both months, so maybe our overage was due to some restocking.
We are in full planning mode for our road trip! We plan on stopping in Colorado Springs for Pike's Peak, Denver for some Pizza place, Las Vegas for a buffet, and some forest in Utah. Then finally arrive to the Los Angeles area to celebrate our one year anniversary with my grandma, aunt, uncle and brother!
I am SO looking forward to the time off! If I could find another job here with comparable salary and benefits ... I'd jump so fast... something that had NO cash dealing.
I *think* I may make it for Round 3 of Dietbet. I'm about two pounds off and 13 days away.
I'm kind of enjoying my break from Stepbet, but will definitely join one again after the trip. It really is a good motivator to get the steps in!
I received my $40 check from Inbox Dollars yesterday. I'm already closing in on $7 towards my next check.
This morning I did the last survey I needed to do for YouGov to cash out for a $100 Amazon card. I also have enough to cash out for a $25 Perk AGC.
Too bad I didn't wait a few weeks for these to put towards my computer. I'm sure the $ will come in handy for something else. Wish I could order thru Amazon from Apple - then could use it for my phone.
I forgot to mention this - but I paid off the last of DH's medical debt in February!
I thought I'd mention a few of the things I'm doing for my spending money. Some are things most of you do already, but some may be new.
Swagbucks - cashed out for a $25 AGC today, have 1800 left
Inbox Dollars - cashed out for $40.xx today (mostly running video app)
Mypoints - I have enough for a $25 paypal, plus close to a second one
Perktv - 13k points (need 24,400 to get $25 AC)
Survey Sites that don't disqualify you:
Pinecone - cashed out $23 a week ago
YouGov - within two surveys of cashing out for my 2nd $100 AGC (referral link in sidebar)
Passive computer video sites:
Earnhoney - earned $23 in last 3 weeks
---kind of a frustrating site -might be better with a newer computer
Koinme - for next 6 days as $5 signup bonus - earned $16 in less than two weeks (if interested, I can give some pointers, my referral code is: http://koinme.com/af-MUiZwD6Ssh We both get $5.)
Passive mobile only video apps:
Youlotto - earned $5.38 in two weeks
Checkpoints - almost enough for a $10 AGC
Just remembered two more!
IQ - an app that sends you questions to answer and pays immo. Mad 2.25 so far.
Oops, forgot the other one.
Hmmm.. I think thats it other than health apps/bets
DH found out on Tuesday that a coworker - 40 yo father of two - had died that morning. I'd met this person once - he was one of the few DH got along with/liked to talk to. There'll be a service tomorrow afternoon.
He either died of a stroke, heart attack or diabetic coma. He didn't take very good care of himself.
He was so young - such a preventable death.
We got our renewal papers for home insurance -$718.I think that' close to what we paid before. It's not due til May - so maybe I could chance signing up for another rewards card ... put this and property tax on it .... Hmmm...
I should be getting my car insurance renewal soon too I think.
I read a really good Nicholas Sparks book this week - Two by Two. Highly recommend it.
My diet isn't going so well.. At least I have a few weeks before the next weigh in. (I won $24 in round 2.)
I'm thinking of joining something Stepbet has started called Membership. It's $25 for one year, but it makes the game a bit easier and varied. Plus it eliminates their take of the winnings.
Hmm not much else I can think of right now. I have decided to NOT build a computer, but am still debating what I'm going to get. I also am planning on getting the 64 GB iPhone SE. That'll save me from having to buy a new protective case. Not sure when I'll get it - but it'll be after the computer for sure!
On Sunday I did our taxes again - now that I have all the needed documents. I started with Credit Karma, but the 1095 health insurance form was unusable. So I moved over to Turbo Tax. According to it, we have a $72 refund from the Feds and owe $524 to the state.
This is due to DH getting a subsidy through April, and our inflated income from the stock sales (to buy the house.)
We couldn't itemize because our interest, etc. was way less than standard deductions.
Next year we should get back around $1000.
I'm waiting to see if Credit Karma fixes their form so I can file for free rather than pay TT $40+
I converted my Citi Thank You card to the Double Cash (just before being charged the annual fee.) After cashing out $675 in points, we had 1900 left. Today I talked to a points concierge and he made them into a $14 Amazon gift card.
Yesterday I called animal control because I'd gotten a late notice on Kari's license. I explained that I'd moved, and filed a change of address, but this was the first notice I'd gotten. I also told her DH hadn't received any notices for his cats.
She told me to send it in for just the normal amount with a note saying she said it was okay.
Now to wait for DHs notices. (they had his old address)
Mom sent us $100 in a Valentines card. I'm not sure what I want to do with it.
I'd told her at Christmas I wanted nothing to do with M's money EVER. She's an adult, and so if she chooses to stay with him, that's on her. I'm however done with the him for a lot of reasons.
I decided to try using Snip to copy my budget this month. It'll be much easier o read I think.
Groceries - we spent $85 less than budgeted! We're keeping our budget at $300, but only topping it off to $300 and not building from month to month.
Extra income -
$207 from CC rewards
$100 from ReceiptPal (instant!)
$10 from Bing
$10 from Pact
$25 from Perk
$21 profit StepBet
Tithe/Giving - I forgot to do this in December. So two months worth. DH doesn't believe in it, but agreed he'd be ok with me continuing. Recently he's been making some noise about him getting an equal amount in spending money. I've told him sure - but he's going to have to figure out how to make that work in our budget! Probably nothing will come of it.
I am so close to having enough for a new computer and new phone! If I can just by them along for a few more months ....
Vacation - We are planning an April roadtrip to CA. Somewhere in the realm of 8 - 10 days. Some of our expenses will likely be reimbursed - we'll be visiting my Aunt/grandma/brother. Still, we're trying to save a good amount towards it. DH doesn't have paid vacation, so we have to save a weeks pay plus expenses.
Car Insurance - In January I had both of ours together, but have separated them starting in Feb. It'll mae it easier to know how much we hvae.
In other news - You may remember the dog we took care of this past summer? How we bought $150 worth of medicine for its skin allergy? The owner told DH he would reimburse us. That was in June??
Since then we'd not heard one word from them. Wed written the money off as a loss.
DH got a text from the wife yesterday asking about it. DH replied and confirmed that they still owed us tat money.
Today,DH got a voicemail from the owner. It sounds like they plan on paying us the money! I wonder what prompted this? Maybe they realized that we're unlikely to be willing to house sit/ take care of their animals. Only time will tell I guess.
DH right now is driving back from Kansas where he picked up a box of 176 magazines for $50. He's going to sort them into sets ad photograph them, and then I'll list them on eBay.
National Lampoon, Metal (music) and Cream (music) are some of the titles.
He says he's found some single titles go for $20 on eBay. Which is great and all ... but if they don't get listed, then that's $50 +gas wasted. Sigh. We'll see I guess.
I won't go into it - but take TWO phone calls in a row of 15+ minutes at the end of a day where I had lots of sales which needed to be reconciled ... and with the 13 minutes I had left I could reconcile the total from just the amounts to the cash/checks/credit cards but NOT to the actual passes. If I'd had another five or six minutes I might have done it - but Union regs say I have to be done at 4:30, and I'd already pushed it 3 minutes.
That plus multiple annoying other phone calls, and I was not in a good place.
Driving home I really wanted to stop and get junk food. But I didn't.
I got an email from Citi saying they had No Record of my redeeming points for a check. Ummm...
So I called and redeemed AGAIN - this time for $650. I also converted my card to the double cash back card. Hopefully in time to avoid the annual fee of the Thank You card.
I had ordered some things from Amazon on Sunday due to arrive Wednesday. When looking at the email today, I realized I'd somehow put my old name and address!!
So I contacted Amazon, and they're sending a replacement order! Sweet! (I then went into my address book and deleted the outdated info.)
A budget meeting funny .... Last night DH and I had filled all the categories except the fun group. I saw there was still $552! Both DH and I were in disbelief because we'd put some large amounts in several categories. So we went through all of them again to be sure we hadn't skipped any.
We got to house maintenance and found out that I'd entered 30 instead of 300! That one little zero makes a big difference!
I'm going to wait til Wednesday to do a monthly recap - but lets just say I'm happy with groceries.
So I'm still doing well with my eating plan. DH made pancakes on Thursday, plus I had A cookie I had been given Wednesday.
Friday I struggled a little with the temptation of free donuts my boss brought in. I even googled what was the best way to freeze them. In the end I just chose to forget they were there.
I'm still not sure if loosening my plans on Thursdays is for the best. Also, after watching this video, I'm considering just saying no to sugar completely. But .. baby steps.
https://youtu.be/dBnniua6-oM (Sugar: The Bitter Truth)
I'm not quite sure I believe my scale or not ... but I stepped on it this afternoon, and it showed 9lbs gone ... which is more than I need for the first round.
Cutting out soda wasn't enough - it was cutting out all my junkfood eating (and dairy and eggs.)
I haven't done so well with the 15 minutes ... although I did actually open th steamer mop and USE it this week! My dining room floor at least looked better.
I found a new app - it's called IQ. It sends you one question at a time to answer for researchers, and then pays you immediately through paypal. I've gotten one question so far, and was paid $.25 instantly. Not a huge moneymaker obviously, but so easy.
I finished a Stepbet today. I'm going to wait for payout before joining the next one. After this next one though, I may have to take a break, depending on when we do our CA roadtrip. We're talking April, but time will tell.
I got in touch with Amazon today and got things fixed. (I had siged up for prime, but didn't realize I'd been charged for Amazon cloud drive on a rarely used card. They're refunding that charge. -I'd had it free for a year after a purchase.)
I also contacted Citi about the rewards check I'd ordered for the student loan. They're forwarding my question to the right place.
I also cashed in for $207 in rewards from the Barclay card. This will be put towards the student loan.
Before I go, I thought I'd share one of my common heat sources. DH took the picture a few days ago. Please excuse the messy desk.
These ads are really annoying.
Last night I made "Barbeque" for dinner using soy curls. My DH, mostly a carnivore, gave it a thumbs up. We also had beans and Brussels sprouts - all made in the InstantPot.
DH's car is having break issues, so I came home from work and walked outside instead of going to the gym so he could use my car. My phone didn't die until I got home and took it out of my pocket to end my walk. It was cold, but I got home before it was dark.
He has an appointment on Wednesday. That cheap car isn't so cheap - plus its annoying having to change my plans so often. Ugh!
I made whole wheat spaghetti tonight for dinner so I could use up the sauce. There's enough for dinner tomorrow, unless DH eats it not realizing its whole wheat.
It was so nice today not having to take pictures of my food for Pact. I may continue the workout and myfitnesspal pacts, but I think I'm done with the veggie pact. (Although that's the one that makes the most money ....)
Tonight mark one week since my official first weigh in. I don't want to jinx myself, but it feels different this time. I was able to go into grocery stores this week and most totally ignore the chocolate aisles.
I returned the non-working food processor to Aldi, and then stopped at Walgreen's and bought a Mini-bullet using my $5 rewards towards it and did not buy candy. (I would before use the $5 as an excuse to buy candy for "free")
It looks like I am down about 4lbs so far - though some of that is probably water weight.
I did have pizza Thursday night, but wrapped up one of the slices to freeze for Thursday lunch, and told DH he could have the other one.
Maybe I've finally flipped the switch like with soda.
Our grocery spending definitely shows the difference. We are at $182 for the month, and other than produce, I don't see any more til Friday.
Using the mini-Magi Bullet today, I made hummus. DH was awake and taste tested it - thumbs up. I did use canned chick peas, but will get some dry ones to use once I'm out of canned.
In the Instapot I made a pot of Great Northern Beans, and then my sweet potatoes and farro for lunches.
In a bit, I'll be using it to make "pulled pork" with soy curls, and then brussel sprouts - for dinner.
I got YNAB up to date today, and got all my receipts into Receipt Hog and ReceiptPal. I'm 8 receipts away from a $100 gift card in ReceiptPal.
I cashed out for $25 PayPal from Swagbucks, and also for $10 from Achievemint.
I also got notice that $200 cash back reward has been credited on the recent credit card deal.
I ordered a meal delivery from HomeChef through Swagbucks. It cost $20, but I should receive $20 worth of Swagbucks in return. Making it free (obv.) That may be my lunches for a week in February (or Sunday dinner with DH, plus a few lunches.)
I need to get something to lay my sweaters out to dry - something away from the cats (and cat hair.) Wen I bought all those sweaters, I didn't realize most of them were hand wash. Oops.
DH has been pretty sick the past few days - bad coughing, etc. Tuesday night we went to the CVS minute clinic near us to see if he had strep throat. Thankfully he didn't! (I catch strep EASILY.)
I haven't been feeling too great myself. Took today off, since the next six work days pretty much everyone will be gone, and I CAN'T take off no matter how sick ..
Spent some on cough syrup, oj, etc.
I came across this link on Facebook yesterday - most of the things were ones I'd heard of before, but there were a few new ones.
One I signed up for is PointsClub. So far, so good. The surveys pay even if you don't qualify. The main thing is to visit the site every day without fail, so that when you DO get a qualifying survey, it pays out more.
I got an advert for Barclay Mastercard - spend $500 in 90 days, get $200. I had to wait for them to go through my credit monitoring service (provided through Blue Cross Blue Shield for free), but got my approval email on Tuesday. Once I get the card, I'll pay $500 towards DH medical debt. Boom! There's our $200. (Which will be put towards student loans.)
Now I just need to wait a little while and find another deal like this for a spend $500 get $100 (or hopefully $200!) to finish off the medical debt.
I called to find out what percentage deal the hospital offered for paying if off all at once - a measly 10%. Yeah. No. 20%, and we'd be talking. Just with this one credit card deal I shaved off more than 10%! (There's a balance as of now of $1632)
I bought 3 pairs of leggings from Amazon, and also a Bissell hardfloor steam mop. They should be here by Saturday or Monday. (Used gift card money/rewards points.)
I got quite a few compliments on my dress/sweaters from my shopping spree at work. In fact, the lady who is on light duty had been looking for clothes for her youngest daughter who is a BBW like me and hadn't thought of Lane Bryant or JC Penny's. She went there and found several items her daughter LOVES. Her daughter said (through her mom) "tell the lady you work with that I LOVE her!" LOL
I'm so glad this is an off week for my stepbet. I would have forced myself to get my steps in, but definitely wouldn't have enjoyed it.
From my last stepbet I earned $11.90. My current stepbet (which starts for real on Monday) I only paid $35 to join (emailed a coupon!) So, I'm essentially starting off with a $5 bonus. Hopefully I'll be feeling better by Monday.
Bing had some issues this past weekend with points crediting. I guess enough people complained (me included!) so today they put out a 1,000 point clicker as an apology. When you click on it, you're taken to a page full of images with a variety of Sorry's on it. I thought that was pretty cute.
Thursday after work I stopped at CVS to pick up the photos I'd ordered. (Although I figured out tonight that I'd ordered them from Walgreen's instead. Oops.)
When I got there, the cashier told me they hadn't had any orders come in. I was flabbergasted - the app had told me they'd be ready by 10:18 p.m. the night before.
She called a couple other stores to see if they'd been sent somewhere else instead. (Meanwhile, I had to keep telling people that I wasn't in line.)
Finally we decided that they must have just not gotten sent. So I decided to reorder them. Hassles.
Finally got them ordered. The lady told me she wasn't sure how long it took for the order to process. I waited about ten minutes, and then decided I'd have to get them later.
About three minutes later, I got a phone call telling me they'd just printed! So, I turned around and picked them up. The cashier gave them to me at no charge!
(Which I now feel bad about, because as I checked my hotmail account tonight for Mypoints emails, I found an email from Walgreen's telling me my order was ready. Apparently I ordered from the Walgreen's app instead of the CVS app. I was sure I'd ordered fm CVS because I had prescriptions to pick up there ...) Oy Vey.
DH was happy with the photos, and we got the card mailed out after the restaurant.
Billy's was good again - good food, good service - but not quite as special as last year. I'm not sure why really - maybe because we had high expectations set from last time?
We remembered to ask the waiter to take some photos this time. I also took photos of our dishes.
DH had a rack of lamb:
I had "Vegetarian Surprise" brussel sprouts, squash, carrots, pasta with some kind of cream. Lots of it.
This is us in front of the Christmas tree.
When we got home, DH sort of started our first fire in our fireplace. (BTW - the chimney cleaner charged $150.)
He's planning on youtubing himself on how to get a better fire for next time.
Still, it was nice to have our first fire in our fireplace. Even if it didn't last long, or put out much heat.
I had planned on doing Hacksaw Ridge and then some shopping, and then Brake's Plus today. In the end, I decided to skip the movie - due to forecasted bad weather coming. The shopping was a bit more important.
I ended up purchasing 8 sweaters, a pair of dress pants, a hoodie (with a zip pocket for keys/card!, a dress and a couple pairs of tights for about $170.
I've gotten really tired of being cold when the wind blows up the stairs and through the bottom of the window into my office. I had planned on seeing if I could find one cardigan to just put over my normal tops ... but just couldn't find anything neutral enough.
I'm VERY happy with what I bought. Especially the dress (Lane Bryant) and the sweater/pants/hoodie from TJ Max. The other 6 sweaters came from JC Penny's.
I also bought some clearance thermal curtains from
Sears, which came out to $2 after my shop your way points.
Then I made a stop at Aldi to get some Almond Milk and a few cans of beef ravioli for DH.
Next up was Best Buy. I talked to someone in the computer department about my catblocking frustratio. I left with a 10 foot power cord and a vga extension cord. After setting it up tonight, I believe it's going to be beautiful. (I put my monitor on top of an empty box.)
Finally was Brake's Plus. Due to the road conditions, he couldn't test out my brakes fully, but he thinks my issue might be the ABS brakes. He told me to come back next week after the roads clear up. My front and rear brakes are in good condition.
Now I'm home and don't plan on going anywhere til Sunday. Poor DH though - he has to be out in it tonight and Saturday night. I hope people tip well - delivery drivers are out there when most people prefer to be bundled up safe and warm at home.
I got birthday/Christmas money from my aunt.I'm giving half of it to DH for his fun money, and the rest to mine. Good thing to he, since I pretty much decimated my spending money today.
I also *finally* cashed out of Inbox Dollars. A check for $27.20 will come eventually.... That took painfully long to accumulate.
I took my cat Kari to the Vet today. She has another UTI. The vet said that sice it's her 2nd one in a short time, that we should start using only distilled water, give her l-lysine pills, and switch to Iams or Science Diet. He said that if it keeps happening, then we'll have to go to a prescription diet.
I hate it when my furkids are feeling poorly.
Question - What is the best way to have a continual source of distilled water? I bought 3 gallon jugs tonight, but that probably won't be enough or more than a week! I'd hate to be generating that much trash st for water.
We are on the lookout for a rug doctor, or something of similar quality. DH says the ones in the store are way subpar to the ones you rent. We need to be cleaning our carpets at least once a month ... renting a RD will get old fast.
Also - we almost bought a snowblower today from Tractor Supply, but DH found out that the engine was made in China, and the warranty isn't being honored. He wants electric start and self propelled? The ones he was looking at on Sears and Ace was a $600 Craftsman. But he feels worried about the engine ...
DH made his first turkey - a 14lb one we got for "free" using grocery store rewards points.He was very happy. I got a tofurkey roast. Ugh. Won't get that again.
I did do some shopping today - got e clothes at Goodwill's $.99 sale, got my oil changed at Walmart (shopped), used a $10 survey reward at CVS to get some freebies, etc. Basically what I would've done Saturday night if I hadn't had today off..
Thank you everyone for your comments on my last post. DH and I had our budget meeting for November Thursday night (since I'm going to be gone most of Sunday.) We also discussed the grocery situation and meals. I think we came to a workable solution, but time will tell.
Almost finished with week 5 of the Stepbet. Currently looking at about a $5.56 profit. So .. not much, but it definitely has motivated me to move more consistently.
I'm really getting frustrated with the computer and the cat situation..
More often than not, as soon as I sit down at the computer to work/relax, I have anywhere between 2 - 4 cats join me. On my lap or on the desk directly in front of the monitor. It's a constant battle to keep them from blocking my view.
Then there is my monitor itself ... the monitor was a refurbished monitor and is at least 7 years old. It worked fine up to about 2 months ago when I came home one day to find splotches on the screen and a blue line square that wouldn't go away (it did go away about 36 hours later.) The best we could figure out was one of the cats sprayed the monitor, and the display control button kind of spazzed or something.)
The blue line is back today. Plus the little box about adjusting the brightness. It makes surfing the Internet miserable (combined with fighting with cats who like to sit in front of the monitor - one who especially likes to play "chase the cursor")
Add to this my keyboard constantly drops letters or sometimes whole words!
We only have $150 (as of November) in the computer replacement category. My CPU is a bit more than 5 years old. I've reformatted it twice, but am still having issues with performance.
The only idea (temporary) I've had is to figure out a way to raise the monitor so that the cats can sit on the desk and NOT block the screen. It's just that the cord is already maxed out stretched, and I'm not sure how I could make sure the monitor would be on a stable surface.
Tomorrow I will be getting between 4 - 5 hours of overtime! My boss and I will be putting the new route maps and schedules in 67 buses. The new routes start on Tuesday.
We've had them available in the lobby for about a week and a half now - I've had to refill them just about every day. We have two signs clearly marking Current and Effective Nov 1, but, people don't read. Which is why we aren't putting the new stuff on til the day before - even though people have loudly been complaining about that.
After I'm done with the bus overtime, I'm going to go spend a few hours helping to serve drinks at a many nations food festival.
Then on Monday, I'm spending a few hours sitting at the book giveaway table at our Halloween alternative program.
Tuesday night I'm going to crash.
|<< Newer Entries||Older Entries >>|