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Viewing the 'Extra Money Tracking' Category

DH's Sister Update; June Snowflakes, etc

July 1st, 2017 at 08:56 am

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...

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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.

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June Snowflakes:

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

Total: $232.84

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. Smile

Walmart Pay Frustrations and More Snowflakes

June 18th, 2017 at 11:08 am

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. Frown

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. Frown

Sigh. I'm guessing Apple Pay works the same way.

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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.

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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. Smile Now that next weigh in isn't til July 17, I can go out to eat.

New Budget Plan, Snowflakes, Dietbet, Ibotta Rebate!! Meal train

June 17th, 2017 at 08:41 am

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. Smile

*I just thought about something - we have probably $200 in cashback rewards on our cards - that could go towards our goal too. Smile

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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.

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Dietbet Round 5 weigh in was today - and I made it again! Now just one more month to go for the final big payout!

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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!

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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.

Any ideas?

Maybe a Fence? June Snowflakes so far

June 12th, 2017 at 07:42 pm

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.

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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.

Saving Goals and Thinking About Housework

June 3rd, 2017 at 01:11 pm

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. Smile

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.

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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. Smile

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. Smile

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. Smile I'm hoping the allure of eating out plus the other will be enough ...

New Snowflake Makers, Updates

May 28th, 2017 at 07:18 am

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. Smile

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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.)

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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. Smile I was so sad when I realized I'd watched the last released episode.

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I got a letter from the place I interviewed at saying no thanks. Sigh. Just have to keep looking I guess.

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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. Smile )

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!

Won Round 4 Dietbet! etc

May 20th, 2017 at 11:37 am

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. Smile 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. Frown I hope I at least get the courtesy of an email.

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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. Smile

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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.

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I started a new money making website - Earnably. Pretty good so far.

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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. Smile 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!