So I was reading an article today in our local online paper about ten ways to make more interest than a savings account.
When I first opened it up, I expected to find nothing new, but decided to look anyway.
Well ... there WAS something new (to me at least!)
One of the ideas they talked about was the Mango Money Pre-Paid card. (https://www.mangomoney.com/)
It is a pre-paid spending card with a savings account attached to it!
If you have at least $500/month direct deposited to it, they pay 6% interest on up to $5,000. Over $5,000 is .10% and there is a limit of $10,000 total.
Once the money is in the savings account, it can only be transferred to the money card/pre-paid card.
This won't work for me because I only can have one bank for direct deposit - but if your work allows you to split your deposits (like the place did when I was teaching in TX) then this might be a great way to put a little bit away for various goals.
Anyway, I though ya'll might find this interesting.
Archive for September, 2015
So I was reading an article today in our local online paper about ten ways to make more interest than a savings account.
So this past weekend I didn't do all that much, trying to muster up all the energy I could to go back to work this week. Ugh. (Today was a clustermess of buses running majorly late and very shorthanded all around.)
But one thing I did do was to check into the downpayment assistance program here in NE.
One of the requirements is that anyone who would reside in the house (over 18) has to take 4 two-hour classes. Another requirement is that the borrower (potential borrower) has a continuous work history of two+years.
I corresponded back and forth with the main person at the local office. The basic gist I got was that NE and I probably wouldn't qualify once our incomes were put together, and that there was no way NE could NOT come to the classes. (They are in the evenings on nights he works.)
So ... that avenue seems to be off the table.
I'm wondering though - is a two-year continuous work history that big of a deal?? I have worked/been employed (W-2 employment) for 4 years minus about 5 weeks. Would the minus 5 weeks be a huge stumbling block??
If so, then we might have to go with NEs finances, or wait til August when I'm at the two-year mark.
If we go with NEs finances, then we've got some major repair work to do. I offered to take over paying his bills so we could make sure they were paid on time each month - not sure if he thought I was serious or not.
I also was thinking about maybe a secured credit card, or some kind of small installment loan.
I also briefly considered selling my non-retirement funds stock to just forego completely messing with a mortgage. .... I sold about $4k worth of stock in 2013? and didn't have to pay any capital gains on it - I think because of my income bracket? (it had a cost basis of about $300 or so) So, if I were to sell $55k worth of stock with a cash basis of around $2k .... would that be counted as income and therefore majorly raise my tax bracket, or would I be in the same situation of not paying capital gains?
Really not planning on doing that (selling stock) but am kind of curious about what would happen if I did.
I've looked for info on what the mortgage people look for when deciding on loans / interest rate, but haven't found much beyond advertising. I'd really like to take that class, but it doesn't seem like they'll let me do it by myself. Sigh. Although I still think I'm going to apply - just in case.
One thing we talked about doing is sitting down with a mortgage person at my local credit union and seeing what they think our options are. I'm not sure what all information we should bring with us to something like that? Most recent tax returns? # of check stubs? documentation on any debts?
I did my last spend of the month today. (the first one since my mom left!) Bought some olive oil and bananas - both items with rebates, and both needed. (Used up my olive oil frying the eggplant when my mom was here.)
So now I'll get the 2.5 % interest. Can hardly wait til Wednesday to see it.
Okay, so I was reading on the MMM boards and came across a post explaining how to get $50 worth of clothes for free. It was from August, so the coupon code had expired when I tried it today. HOWEVER you still can get $25 worth of free clothes AND free shipping!
Do the following:
Go to this link:
*Note - this is a referral link. I get $15, you get $15.
Near the top of the page click on the word COLLECTIONS
Click on NEW Collection
Name your collection, select what type of clothes, size, color, etc.
Start adding clothes to your cart.
When you've $25 worth of clothes (or near as possible) go to your cart.
Enter your email address and the code #schoolasummer
The code is expired, but it will then show you your final cost.
Delete the code and enter your payment info.
I was able to get within $.25 of the $25 - I bought 3 nice used tops (Lane Bryant, Faded Glory, and another one can't recall right now.) All for $.25 shipped.
If you do use my referral code, it might be nice to put your referral code in the comments. Then the next person to use it can use it. Then we can all get another $15 worth of free clothes!
ETA - These clothes are USED clothes being resold. Make sure to look them over closely. Some of the money is also being donated to help out some schools in various areas.
ETA 2 - I just got an email with an updated code! For 25% off! This means you can get $50 worth of clothes for free!!
Try this code: WS66W007-QD (Good til Oct 5)
So far the spending fast is going well. I haven't spent a penny Tuesday - today.
There's been a number of times driving home, etc. where I get the thought in my head "let me just stop and get a drink (soda)" and then I'll remind myself that #1 I can drink water when I get home, and #2 I am NOT spending any money unless I absolutely NEED to. So far, so good with that. (It kind of helps that thanks to my major overspending, I have a stash of not so healthy food in my place ... so when I'm overly stressed the food is already there ... no need to buy it ... good for the pocketbook, not so much for the waistline)
NE and I did some more talking last night. He wants me to go ahead and do the research/get started on figuring out how to get pre-approved for a home loan. From the various calculators, based just on my income debt/income ratio, we should be able to get something around $75k - or about $600/month total cost (mortgage, insurance, taxes, PMI) That'd be nearly $400/month less than what we're paying in rent currently.
By combining expenses we'll eliminate one Internet bill ($80/month Gulp) and probably cut utilities by 1/3 or so (depending on how big the house is of course.)
He's on board with the idea of a 15 year and paying extra to it so as to get it paid off as quickly as possible. I've also stressed to him that we need to have money set aside for repairs/maintenance/improvements.
I asked a lady at church (at women's ministry meeting) what Realtor she'd used when buying her recent rental property - she gave me the info for her and said she'd highly recommend. Before going with a Realtor though, I want to get the pre-approval thing done. Not sure if I should try through an online place like Cap One or through a local credit union. I'd really like to try to see if I can get the 2.75% rate ....
I read somewhere that some of the first time buyer programs that offer downpayment assistance have clauses such as they get your profit when / if you sell your home later?? I'd kind of get that if they asked you to pay back the money they assisted you with, plus maybe a little extra ... but all the profit? (Not that I think I'd really need to worry too much about that, because whatever house we buy, we will be staying put in - not planning on doing the whole "starter" house thing.)
Like I said though, still need to do some research on this whole thing.
So ... possibly a little prematurely and presumptively .... based on some conversations NE and I have had recently plus the house talk getting more serious (and him knowing my viewpoint for MYSELF about living with someone I'm not married to) ... my mom and I went to a dress shop while she was here. Yes, that kind of a dress shop.
I found *the* dress. $847. GULP. THE dress. It fit nearly perfectly. (I could possibly get the price reduced, as it is a stock dress. Alterations would be less than $50 ... Sigh.)
I can't do it. I won't do it. But me oh my ... if I had the budget for it ... and a venue/large enough prospective guest list for it ... and didn't want a house more than THE dress ... It would be mine.
Even though I'll more than likely end up getting something off the rack at Macy's or JC Penney's etc., it sure was fun to have the experience and to know that there really IS that experience of finding something that really IS THE Dress. Even if you don't actually get it.
(When/if it happens, it'll be just family and a few local friends. NE only has a sister and a close friend here, possibly a nephew that might come. We have a mutual friend here. I have a slew of family that'd come. Still, the total guest list would probably be under 20, maybe 15. So something *really* simple. Maybe even a courthouse one. My recent experience has made me rethink whether that is totally out of the question or not.)
I am at home today. Woke up feeling pretty miserable. Yesterday at work was pretty miserable (plus stressful .... Why oh why would someone ask you to do something for them, and then while you are doing what they asked, they go ahead and make their own version? Which of course is *exactly* what they wanted/pictured. And this is the person who's always talking about how she is SO behind and SO overwhelmed. Of course you are - even as you supposedly delegate tasks to me, you are either doing them yourself, or spending 20 minutes plus explaining it ...(whereas a note telling me what labels she wanted created would've been more than sufficient ... I don't have ANY interest in her job, so the explanations have ZERO interest to me ...)
So anyway ... since I am at home today during regular business hours, I plan on calling the horrible company that holds me hostage to their prices for Internet. My "promo" expired and went from $67/month to $82/month. Cannot comprehend spending that much money on Internet. (A phone line is included in the cost - it is required for whatever reason. Believe me, I have tried to tell them I refuse to have the stupid phone line. Didn't work.)
First though I'm going to call the *other* company here and see if they have a better offer. Last time they didn't.
It just galls me to pay this much for it, when in NM and TX I paid less than $40/month, and even less than $30/month (in TX.)
I got credited for my hotel stays on SBs - 2888SBs. Of course I'd seen they had a credit pending for just the first hotel stay, and I wrote CS an email asking what was going on ... CS credited me with 2888SBs. Only in my ledger it shows as for Groupon. Not Expedia. I wrote them back to let them know they made a mistake, but so far I still have the SBs. So I have enough to redeem for a $50 PayPal with plenty left over ...
Will give it a few weeks though to see if they take the SBs back or not.
It was way worse than I thought. Even after entering the $450 extra($200 bank bonus, $200 from mom, $50 from Swagbucks) I STILL had to take money from my slush fund to get rid of the red in multiple categories.
So for the remainder of September, unless it is an *absolute* necessity, I will not be spending one more penny. (Okay, I still have to do one more transaction for my checking account to get 2.5% - but that will be a less than $5 transaction.)
In October I can't make it a fast because I've already agreed to going away overnight with NE. Hopefully we can keep the expense to a bare minimum though.
I think I will bow out from the children's conference though - that's $40 I can't afford right now - not with the MAJOR overspending I did this month. I also am going to skip the mani-pedi - that money that was budgeted is going to pay for overspending in other categories.
I really let the stress of the property manager get to me overly much ...
October will be a 3 paycheck month so I can replenish the slush fund, and almost finish the EF. It makes me sick to know that had I not done this, I would be able to finish the EF and get a good start on the car fund in October.
I tried to cash out my iBotta tonight but it just kept spinning and spinning after I clicked the link to confirm my paypal account. I have $27.25.
I did cash out Pact for $10.
I also cashed out another $25 in PayPal from Swagbucks tonight.
PerkTv is driving me nuts with this ad that keeps freezing - if it wasn't for that, I'd be really close to my next $25 AGC!
I'm trying to figure out if I'm correct ... If I have $10k in an account which earns 2.5% interest, that would be $250??? Or would it be $25? If the first number is correct ... then that just boggles my mind. It really seems to me like that first number should be correct ... If it is ... then my EF will be finished much quicker than I imagined, and my car fund will be getting started really soon!
(I also think I could persuade my bf to do the debit card thing for me if I gave him $50/month off of whatever he used it for to do it. That way I wouldn't have to dream up 12 reasons to use it in my own transactions, while at the same time making sure to get my $500 spend for Discover.)
I'm back home now from taking my mom to the airport today.
We had a good visit together. We did some shopping, we rode the bus and took a tour of the bus station where I work, made eggplant parmesean at my house, ate out twice with NE, etc.
One of the places we ate at is the vegan restaurant which Ceejay recommended a long time ago. Overall I'd say it was a good place, and that some of the food was pretty good. The atmosphere was WAY noisy though (especially this one lady who did not understand how to keep her noise level to inside levels ...)
Friday afternoon my mom and I had a really interesting experience. She and I were sitting in a booth at a downtown Casey's store (gas station.) An older lady came in and was trying to get someone to come be a witness to her wedding - she was willing to pay $10.
I was kind of wondering if she was trying some sort of scam, but when she got to us I decided to go with it and see what happened. My mom agreed.
So we followed the lady outside to where her fiancee' and another person who'd agreed to be a witness were standing. Apparently both of their witnesses had flaked out (decided to go get drunk instead of coming to their wedding ... a daughter and son.)
We headed over to city hall where we stood waiting for about ten minutes while the lady chain smoked and gabbed about many way too personal details to tell strangers.
Finally we headed inside where we had to go through a metal detector and went into a courtroom. The judge met us there and explained what was going to happen. He seemed like a really nice guy, very easy going with a good sense of humor.
After putting on his robe, he conducted the ceremony. It really was quite beautiful for a courtroom ceremony.
At the end I had to sign my name and write my address on two documents (as a witness.) Both I and the other lady refused the $10 when offered. Then before leaving gave the bride a hug and good wishes.
(She and the new husband had been together for 19 years - had been homeless, drug addicts, etc., but now she is on disability and he is a truck driver. She recently bought a house on her credit, and insisted on "making it official.")
All in all ... an interesting experience.
The Walk Through ... got a voice mail Thursday night from property manager. Said "Your place looks like a million bucks. I am so impressed. Thank you."
Ugh. At least it's over now.
Now that my mom is gone I am going to be putting myself on a Spending Reduction.
This means that I can only spend $20 per week on anything outside of gas for my car, regular bills/contributions, October trip with NE, October restaurant w/NE, and the mani/pedi which I still haven't done! I also may add in there the registration fee(s) for a Sabbath School workshop and a fundraiser 5k I might participate in during October.
Yikes .. lots of exceptions. But even with them, I think it will help me get my spending muscles back into check after the spendalooza that has been August and September so far.
This spending reduction is in effect until November 19 (before I go out to CA for Thanksgiving.)
I'm going to be entering all my receipts, etc. into YNAB tomorrow night and see how much damage has been done ...
$200 account bonus from Nationwide
$200 from mom for her part of the hotel, other stuff we did together
Have enough SBs to cash out for a $25 PayPal, but am waiting for the next Swagup to come available.
So my place is as ready as it can be for ... the walk through ...
I went to Target tonight and bought new cat litter and a new high sided litter pan (both on the cartwheel) along with some other stuff. Sigh ... I will be doing some kind of a spending moratorium after my mom is gone. Sorely needed. Earned $6.50 in ibotta rebates/bonuses ... (up to $26.70 now)
I've been looking on Craigslist at apartments in case I decide to say enough is enough with this deal. There really isn't much available in my price range right now. (At least not in areas I'm willing to live.)
So ... I also have been looking at houses.
I've been seeing some that are very interesting, and under the $75k price mark. One I'm quite interested in is about $69k. 3 br/2b/full basement/large yard/large front porch
If NE and I end up getting married .... our credit scores are worlds apart. He spaces on paying bills a lot ... (which is why I would be taking over that aspect presto pronto - which he agrees with totally)
So ... I'm guessing it would be better to work on getting a mortgage/approval prior to saying I Do and having our credit scores merge (as far as getting a mortgage goes) It would then just be my name on the deed (if just my finances are used to get it.) Later on though, when we've gotten his score back up, we could refinance or something and add him to the deed??
(And yes, I do plan on making sure that I could handle the house payments/bills on my own if necessary. He'd really be taking most of the risk here by contributing monetarily to a house that doesn't have his name on it.) How would that affect taxes though? If we file jointly, could we still claim the mortgage interest thing if it's in just one of our names?
I'm thinking that the time of the low interest rates for mortgages may be coming to an end soon ... and so that is also kind of making me thing it may be time to act sooner than later. (Not *just* because of stupid property manager's wife )
I should start looking into those links you guys gave me last time for first time home buyers and such not. Though that'll have to wait til next week after my mom is gone and hopefully my stress level will have gone down 50 notches.
Picking her up at the airport tomorrow and then eating at the vegan restaurant Ceejay recc'd so long ago! Good thing I get to sleep in on Friday!
So as I mentioned, I hired someone to do a deep clean of my apartment for two reasons - 1. my mom coming on Thursday, and 2. the PM's wife/PM's walk-through on Thursday.
I got about 40 texts from this lady in total. 25 of them were her checking to make sure I'd gotten the things she'd "suggested." Already I was getting to where this was a definite two-time deal. First and last.
Then last night just before NE and I were about to head out for dinner, I get a text from her telling me to empty my vacuum bag and make sure I had her money in cash.
So on our way back we stopped by an ATM.
Then just before NE left, we opened up my vacuum cleaner to change the bag. Slight problem. None of the bags I had been hauling around for the last oh 5 years fit the vacuum!! (Can you tell how often I vacuum?)
So I was faced with having to go out looking for a bag to fit it at 11:00 p.m. An 18+yo vacuum.
Thankfully NE was willing to go to his place and bring me his vacuum.
One of his cats has a bit of a ... urination problem. (Yes, she has been checked out medically.) The vacuum had been on its side. The cord had been peed on.
So NE spent about 35 minutes cleaning the cord so the lady cleaner wouldn't smell the cat pee.
Finally I got to bed about 12:30a.m.
Before leaving for work I made sure to put my extra key under the mat by my door.
About 10:30 I get two phone calls in a row and a voicemail. I couldn't do anything about the phone calls, but I could read the text.
She couldn't find the key.
I asked her if the door was locked. (Panicking thinking someone saw me put the key under the mat and took it, and went inside my place. Not that I have much worth stealing.)
Nope, it was locked.
So I get some coworkers to cover the desk and rush home. Only to find that she isn't there!! Guess what WAS there? Right where I had left it this morning?
Yep, my key.
So I text her back and forth a bit again. She's insisting the key hadn't been there. My last text to her was: The key was there. The key is there.
I hear nothing else from her. So I have no idea whether or not she came back and actually cleaned my place!
When I got home I found out that she had cleaned it. Whew.
She definitely better think twice before asking me to recommend her to anyone!
My brother lives in Napa and I have an uncle in Angwin. If I'm reading the maps, etc., right it sounds like my brother is in the mandatory evacuation area. I have had contact with him today, but not much.
The town of Middleton is pretty much completely destroyed - one of our churches and our local church school is reportedly amoungst the burned down structures in that area.
So scary how fast a majorly destructive fire can start. (This fire is only about 24 hours old.)
So far today I:
*cleaned out litter boxes and refilled
*took out trash
*decluttered my kitchen drawers
*put together a box of books and other things that I had been planning on selling on eBay, but have just been sitting there for a year on a shelf ... and took that box plus stuff from the kitchen drawers to Goodwill
*cleaned out my car - found $1
*figured out how to hang the shelves I got a few weeks ago without buying a drill bit (like NE said I'd have to do) Hmph! Girl power!
*moved boxes from beside the back door to behind my bed
*moved suitcases from beside back door and put into my closet (this only made possible because of KonMari'ing my clothes a few weeks or so ago - otherwise would not have had the space in the closet!)
*attempted to put plate hangers on my two deco plates, but found out the hangers were TOO big! (plates I think are 8" and the hangers are for 10-14")
*Went to Walmart and spent way, way too much ...
but ... got two bathroom rugs to go under litter boxes
.... got a new shower curtain w/hooks that *I* like (not the drab brown the guy who lived here before had left)
... got a new hand towel and washcloth to spiffy the bathroom up
... a lot of other stuff (mostly groceries)
*got home and got everything scanned to my various apps ($3.70 Ibotta, $2.75 SavingStar, $.25 Shrink, $.25 Snap)
*got everything put away, and just finished a late lunch. Now am going to relax a bit until it's time for NE to come over (we're going out to a place called Pizza Ranch tonight - his treat!)
Yesterday I went for a 4.5 mile walk with some people from church. Overall, I got in over 14k steps!
I used the Charity Miles apps and earned $1.06 for a charity, and I also earned 40 bounts points - 20 for fitbit (14k steps) 10 for RunKeeper, and 10 for a weekend activity. I'm up to 590 bounts already. Sweet!
Now I just need to get my extra key to the cleaning lady so she can clean my place tomorrow.
This afternoon I met with a lady who is going to do the cleaning I need done. She suggested I get something called Draincare to help get rid of the future possible clogs.
She's probably going to come on Monday. I agreed to pay her $100 (the bathroom with the litter mess was a bit worse than I'd realized.)
I need to figure out a better solution for keeping the litter off the floor. I have tried the hooded boxes before, but really didn't like them (neither did my cat(s).) I've also tried a variety of litter mats ...
This is something I'll deal with once my mom is gone though.
I bought the draincare stuff, some lightbulbs, replacement liner things for the stove burners, and ... some chocolate.
This weekend I'm going to focus on doing more decluttering and getting my car cleaned out.
I made it 3 days with no spending so far this month ...
This month's totals are going to be so disastrous. At least I have a good slush fund to handle it without missing a beat. I just don't like actually *using* the slush fund.
I won't go into all the details ...
Last week after having tried multiple solutions to fix the tub drainage issues (including using a Zipit) and finding that it was getting worse and not better, I finally called my property manager.
Today I got an email from PMs wife. In it she told me that my pipe had been completely clogged with hair and that if happened again that I'd be charged the service fee ($89.) Fine. Never had issues like this before, but whatever.
She then went on to say that her husband is going to come back on the 17th to do a walk through. It is expected that my place will be clean and clutter free.
Say what? I'll be the first to admit that I'm not a great housekeeper, but I'm not a horrible one. The cleaning aspect though, I'm really like again, whatever.
The clutter though has me furious. I don't see how it is ANY business of a landlord/property manager to tell someone they have "too much clutter."
I emailed her back to ask specifically what were the issues. She said one of the things was the boxes (broken down ones) stashed in front of the back door in my bedroom - that it was a safety issue (can't exit during a fire.) You're kidding, right?? If I was on the second floor there wouldn't even BE a back door exit.
I SO badly wanted to respond with a few choice words.
Am I totally off base in thinking that how much clutter/little clutter is none of their business? (I'd love to say - if you think it's bad now, you should have seen it six months ago before I let go of a whole bunch more stuff!)
I've decided to look into hiring someone to come in and do a deep cleaning. Kari's litter in the bathroom + the shower curtain not doing it's job totally, did a number on some areas of the floor which I'm not sure how to get off. Plus I just don't have the energy to do a "deep" cleaning like what it sounds like she's expecting. Not by the 16th for sure.
PMs wife said "it should look like the day you moved in" HAH so unrealistic. Somebody and a cat actually LIVE here (someone's who's first priority isn't keeping a pristine house .. sorry!)
I am just SO ticked right now! (Ate half a bag of chocolate after taking the trash out and generally stomping around and scaring poor Kari ...)
This makes me want to cash out 1/2 my stock and go buy a house. Just get out of having to deal with carp like this. (Yes, I know I'd then have to deal with the plumbing issues, etc. myself - but at least I'd have no one being judgmental about it)