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Viewing the 'Financial' Category
April 8th, 2014 at 04:19 am
I'll have to post before and after pics later, but today after 2 1/2 hours of shredding documents, plus another 1 1/2 of cleaning and organizing, the office was pretty much as clean and organized as it will get. Now, let's see how long I can keep it like that.
I also cleaned the rest of my place. Only thing left to do is wash the sheets/pillowcases, and I'll be ready for NE's arrival in the morning.
In between all this cleaning and organizing, I discovered a new show ...well, new to me. I'd been told about it before, but had not seen an episode yet. Last night I saw the first episode - I was looking for something about an hour long, and Amazon Prime had .... Downton Abbey - fit the bill perfectly.
I am totally hooked!! I watched 4 more episodes today.
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I got my 3 eBay packages mailed out today. I also got a call from a staffing agency in NE who told me to give them a call once I'm actually there and available for an interview. So, that's promising.
I didn't make the Round 5 of the 6 month diet bet, so I was given my winnings from the one round I did manage to win -- $18.02. The money is already in my PayPal.
So far, I am really enjoying my spring break (and in a not too long, it'll be even better )
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April 3rd, 2014 at 02:40 am
I just wanted to give a quick update on my problems with getting paid from GymPact this month. I received an email from their CS (Jen) telling me that their records showed a payment sent on March 5. I was sorely tempted to throw my phone across the room .... Instead, I wrote back and said that I was pretty sure that I had cashed out on the 12th, and that was the missing payment. Then I checked my blog here and saw that indeed, I had cashed out on the 12th! I added a link to my blog post to the email.
Less than an hour later I not only had payment for the most recent cashout, but also for the March 12 cashout! Thanks Jen!!
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I heard back from the job I applied for on flex jobs last week (I think?) a few days ago asking me to fill out a form. I had some problems filling out the form in FF, so finally had to use IE to complete it. Yesterday I got an email telling me that I'd be getting another email within the next week with instructions on where to login, and what my tasks will be. So ... it looks like I've got at least one job. Not sure exactly what I'll be doing, or how it pays, but it's something!!
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Two days til Spring Break!!!!!!
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I cashed out for 4 $5 AGCs from Swagbucks yesterday and today. A couple weeks ago I cashed out for a $25 Paypal ... I don't have enough SBs for my 5th AGC yet .. but will tomorrow. I decided to cash out for 500 SBs from Bing, even though it won't help me with my daily goal, it also won't hurt it (i.e. raise it) - and I can cash out for Paypal cash once I have my 5 $5 AGCs each month.
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April 2nd, 2014 at 02:03 am
I sent in my final payment of $423 on March 25 for my car loan. I wasn't sure if there'd be any interest charges from the date of my last statement to when they received my check, so I was waiting anxiously for my next statement.
Today, instead of a statement, I received a congratulations/thank you letter and ... my title! Woo hoo!!! It sounds as though I have to take it to the DMV to get it ratified or something - so will probably do that Monday or Friday next week (Spring Break, yeah baby!)
(*In November, 2012 I bought a 2010 Toyota Yaris for about $11k. I paid up front $6k of it, and financed $5k at 1.9% My base payment was $156/mo for 36 month. Obviously I didn't stick with the base payment. )
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GymPact (nka Pact) is really annoying me. I sent another note to Customer Service stating that I was still waiting for my payment for my cashout from over 3 weeks ago. Today I got a reply stating that their records indicate that I cashed out last week, and that it could take up to 7 business days. Ooof! I replied back that I am waiting for TWO payments - one from last week, and one from 3 weeks ago. I didn't write in about the one from last week since it hadn't been 7 business days yet (close, but not quite.)
I'm going to be really sad if this keeps up, because then I'm probably going to delete/cancel this app. It's been a great source of extra money for over a year now for me, and all for doing what I would do anyway for the most part.
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As far as my bad day yesterday, so far no response from either boys parents. So maybe nothing will come of it and I can breathe a sigh of relief. Their teacher also told me that today the two boys were playing and laughing with each other like nothing had happened.
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The computers at work are going to drive me bonkers. In the lab we are down to 7 or 8 barely functioning computers (out of 23.) We have 30 *brand new* computers sitting in boxes in the lab ... They were going to be set up over Spring Break, but I was told recently that has been postponed to summer. Great. Maybe I should just stop having the kids do anything on the computers at all .. less than 4 weeks of classes left anyway (I stop classes 2 weeks before the end of the year.)
Prime example. Only one computer has a microphone connection that works. I've used it several times to record students doing a narration. Of course you can't save anything to this computer. So my 3rd graders were going to work on a fotobabble project (check out fotobabble, cool site!) In order to do this, I had to save their photo (endangered animal) to their folder, then upload it to the fotobabble site and save it. Then go to the microphone computer and have them record their research paragraph.
Would be a pain, but would work right? Yeah ... if the record button on the fotobabble site would work correctly on the recording computer!!! It worked great on the computer I used to upload the photo - but of course no sound was recorded. I threw my hands up and told the kids just to do dance mat typing (another great site!
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March 9th, 2014 at 03:43 am
I guess my Feb 28th entry was a victim of the sites problems ... will try to recap some of what I said.
I've now cashed out for $50 so far this year with the GymPact app. Not too shabby for just recording what I would do anyway. (exercise, food logging, and eating fruits/veggies)
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I've cashed out for 6 rewards from Bing since starting it in mid-January - 5 of them were 500 SB codes which have definitely come in handy!
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I found a small money making opportunity on Craigslist a few days ago. Essentially it is writing reviews of non-fiction ebooks (I am to give my honest opinion.) I did my first book on Friday. If I remember correctly, I'll get paid $25. (I already received the money for the ebook itself.) It only took me about an hour to read/skim the ebook and write 3 reviews (it was a cookbook.) I'm hoping that I can do a lot of these!
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I've made 4 eBay sales this past week. Only one of them is making me any profit. I'd bought a supply of an item from a wholesaler for an okay price, but then once postage is added and eBay/PP fees ... I'm losing money on most of them. Live and learn. My main goal is to get all those items sold before I move - then make my next purchases from the wholesaler much more wisely! (If anyone is interested in seeing what I'm selling - my ebay name is the same as my email address - if you know that. )
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Only 10 weeks left of the school year! Most of my classes I'll see another 6 - 7 times. Crazy!
Two weeks til the yearbook deadline. Gulp. There is so much still left to do. I will say though, that this year's group of kids is getting more done. Hopefully there won't be much left for me to finish on my own. I've told them that whatever is left to do will be MY decisions as to how its done. Heh heh heh.
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Last Sunday I went to see Pompeii at the theater. I really enjoyed it. My dad had a wonderful children's story that he'd tell every place he was a pastor - at least once - about Pompeii. It made me have a great fascination with the story.
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The six-month dietbet ... well, I think I'll probably only end up winning the $18 from Round 1. I got down to 8% and then regained 4lbs, lost two and seem to be doing a great job of maintaining. To win Round 5 I'd need to lose ten pounds by April 5. Um ... yeah. *Maybe* by May 5 I can do it, but I'm not going to put too much pressure on myself.
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I'm almost to the 50k point mark with Achievemint (about 3k away.) Once I hit it, that'll mean a $50 Visa card. Again, points earned just for doing what I would do anyway (connecting various apps to the website - fitbit, GymPact, MyFitnessPal, etc.)
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I made my next to last car payment a few days ago. Just a bit over $400 in April, and I'll have my title! Woot woot!
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Friday, Feb 28 I went to a wonderful Judy Freeman seminar all about children's books in ABQ. I got to stay at a nice hotel, eat out dinner and lunch (free wonderful breakfast at hotel) and have a day off work -- all reimbursed! (Well, I just turned in the paperwork on Thursday. So it will be reimbursed in the next few weeks -- about $465!)
For lunch I ate at a place called Little Anita's which was right next to the hotel. I had the vegetarian enchilada. So yummy! Only $8.25 (included side of beans and a sopapilla - all vege friendly!)The dish I think will be pretty easy to replicated (other than the sopapilla!) All I need are 3 corn tortillas, steamed veggies (they used mushrooms, zucchini, onions and tomatoes), and some cheese to melt on top. Such a simple idea, but one I'd never considered.
Oh, I also earned 8x Swagbucks for my hotel stay. I booked it on the Crazy 8's day. That shop and earn came through on a high goal day - sweet!!
Speaking of SBs though - I am NOT happy about the SBmobile and Enow apps having a variable earning limit. Those two apps are how I make my daily goal most days! I guess I'll just have to give it time and see how much it affects me.
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I had a nice time in NE the weekend of the 21st. For my next visit though, I need to remember to reserve my spot on the car lot ahead of time on their website to save money on parking! I don't know why I never thought about looking for coupons/deals on parking!
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I have not sold any of my stock that I was thinking about. Every time I start thinking about selling it, it seems to go up in value (sometimes skyrocketing!) So I think anyway I've decided to hold on to it for now.
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I've applied to a few jobs in NE, but just haven't found much to apply for yet. Hopefully if I haven't found a job before I get there, I'll find one quickly once I'm actually in the area. (There's several office jobs that look very intriguing, but they're not going to want to wait til June 1!)
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February 21st, 2014 at 02:31 am
A few months ago I talked about how I really, really wanted to see Season two of Person of Interest, but I didn't want to spend the $40+ to buy it on DVD, and I was iffy about paying about the same for it on Amazon Instant. I thought maybe I'd use some fun money for it ... but I procrastinated and procrastinated.
So a few days ago I found out that another program I was really interested in was on AmInstant - Klondike (Discovery) -- All episode for $9! Sold! I looked up Person of Interest again just to see if it had gone down in price. It hadn't, but I got a big itch to get it. So, I checked Second Spin. They had it for $25 + $4 shipping + tax = ~$31. That was less than AmInstant, so I thought about it. Especially since I could sell it back for $7, so it would make the actual cost about $24.
Thankfully though before I hit the purchase button, I checked Ebay! I found it (a used copy) for $14 with free shipping! Score! So now after I watch it, I will first try selling it on eBay, and if that doesn't work, I'll sell it to Second Spin. The most the final cost will be is $7.
I'm thinking I may put my Netflix account on hold for March, and then just watch the PoI discs and the Klondike episodes instead. So, if you subtract the $8.23 of Netflix, then my total cost will be around $8. (For both PoI and Klondike.) I'll also have new episodes of Once Upon a Time towards the middle of March on Hulu free (next episode airs March 9!!) So I can add that to my viewing pleasure for March.
NE says I'm a tv addict... he should've seen me when I had cable AND Tivo!!
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I spent some money today getting my nails done. I can do everything myself for a manicure except the cuticles - I seem to have this phobia of cutting my own cuticles... If I could get over that, I'd save some money.
Why was I getting my nails done? Because tomorrow night I'll be heading to NE for the weekend.
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Tonight as I was doing my Bing searches, I was checking to see how many more I needed and all of a sudden noticed my number was over 600. I was befuddled because I knew I needed about 40 more to get to my next redemption (500 Swagbucks for 475.) So I checked my dashboard and saw that I'd just gotten a referral!! Woo hoo! Thanks to whoever used my link. I hope you got your 200 already as well.
I redeemed for my 5th (I think) Bing prize, and my 4th time getting the 500 Swagbucks award. That code sure came in handy when they were having a big code day not long ago - all I had to do was apply my 500 code, and didn't have to worry about it. Tomorrow I'll be applying another 500 code to be sure I get my 21 day award (for making the daily goal.)
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When I got home tonight I did a load of laundry, and am now doing a load of dishes. Once they're done I'm going to pack - that should give enough time for more hot water - for my shower.
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Wowsa! The stock I was talking about a few days ago? I thought 200 was sweet ... Today it went as high as 214! but settled at 209. Still pretty sweet.
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I got a pretty tempting email from GymPact today (cashed out for my third $10 payment so far in 2014 yesterday!) They'll give me $50 and some Pact swag (t-shirt? I think) if I upload my health info from my insurance site. They assure me that the info will be annonymously used once uploaded... And there's a Hippa document you have to sign electronically. I'm sorely tempted .. but not really sure I want to do it. They say it is for a study they're conducting with people who've used GymPact aka Pact for a year or more - to see if they can convince insurers that using a system like Pact will lower health care costs (thereby I guess giving Pact users insurance discounts??)
anyway - was curious what y'all would do?
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February 18th, 2014 at 12:43 am
I'd forgotten about my summer school money - got the form for that this last week. So I decided that today was the day I'd finish up my taxes. I started out in Turbo Tax, but when it got to where it said I'd need to upgrade to Premium to be able to get the form for capital gains (sold some stock) I was like forget it! So I went over to TaxAct - $17 for Federal and State. Somehow I assumed (erroneously of course)that this was the *total* cost to file.
I get through everything (end up owing NM $14, and getting a refund of $380 from Feds) and am on the next to last screen before filing. Then up comes the fees page. $17 for the state and federal, and then a $17.95 charge from Republic Bank!!! Say what? Where did that come from? The best I could tell is that the fee came from the fact that I was paying my NM fee electronically, or it could've been that I paid for the Taxact fees out of my refund. (Actually, now that I think about it, I think that is the case. Too late now to change that.)
At any rate, it still cost less than it would've with TurboTax. Ugh and double ugh!
So, less fees and tax owed to NM (first time I think I've ever actually OWED in a long time) I have approximately $325 coming my way. Not a lot, but considering that I upped my deductions this year (thereby receiving more in each paycheck) and actually made a little bit more than last year (summer school) - it's not too bad.
The refund money will be going directly to my NE-MOVE/TRAVEL fund.
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I own this one stock that I bought into at around $27-28, which this past week as at =/- $200. The majority of what I own in it was inherited - and I promised my brother that I wouldn't sell any of it for at least 5 years. I also have some of that stock that I purchased after rolling over a Roth 401k from my gas and oil company job into a Brokerage IRA. So, that also can't be touched. However, I have 27 shares that I purchased in a taxable account which is from my own personal money. (Actually, I sold enough shares in it earlier this year that recouped my initial investment, plus a bit more.) So anyway, I am looking at the future and worried/anxious about how long it'll take me to get a job when I get to NE. I see I have approximately $5500 that I could have access to right now, which would nearly double my reserves.
I'm tempted to sell it and have the assured amount in my pocket. I'd put it away in my no touch account (unless job isn't found by July.) So it wouldn't just be spent willy nilly. But my argument with myself on this is, what if I DO find a job and end up not needing this, and the stock continues to rise? Wouldn't I kick myself for selling it needlessly? Not to mention that if I get a teaching/librarian job that pays non mission school wages, then I'd be bumped into a category where I might have to pay cap gains taxes.
What would you do? Say you were moving to a new state without a job lined up. You have enough in reserves + June pay to last til maybe September or October without a job (if you're *very* careful.) You have approximately $5500 in stock which you could sell, which would give you another 3-4 months of leeway -- if you sell it now. Or, you could keep that stock and wait and see how the job situation works out - then if it's not good, you can sell some then. Of course you aren't assured of how much it might be worth at that point - more or less.
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February 16th, 2014 at 03:22 am
So in preparation for my move to NE, I have been searching all avenues for a possible job. One avenue I've been pursuing is creating some income from eBay. I have already started a little bit towards that end by purchasing some merchandise from a liquidator (need to get it listed still!) Another avenue that I was interested in was found in an ad in the local area's Craigslist.
A man claimed to be a crew leader for a moving company and that he was looking for someone with a 100% feedback rating of at least 29 or more to work with him. He would provide photos of items that people left behind and descriptions. You would then post them on your eBay account, pay the eBay and PayPal fees, take an 11% cut, and send the remainder to him.
In the ad he mentions that he nets 10k a month selling stuff on Amazon, and the reason he's looking for someone is that the woman he'd worked with previously got a new job and didn't have time.
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This interested me at first. I had NE look it over to see if he thought it was legit, and he thought maybe it was. So, I sent the guy an email today. I told him I was interested, and I told him my ebay username so he could verify that I fit his qualifications. But then I told him that I needed him to give me some information as well, so that I could feel comfortable dealing with him and putting my ebay account at risk. I asked him for his Amazon username/company name, the name of his moving company, and the ebay username of the woman he'd previously worked with.
I really didn't think I was asking for too much. He sure did! He basically responded with a reprimand telling me that he has dozens of people lined up willing to make the sacrifices for the income. And that he couldn't believe I'd ask these kinds of questions of a potential employer.
I responded and told him that maybe I hadn't phrased my questions in the best way, but that trust is an earned commodity. And that I don't care to risk my ebay rep carelessly.
Anyway, we went back and forth a couple times. He kept going back to all the people who had no choice but to trust him and who were willing to make the sacrifices necessary.
I told him good luck with that.
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The more I thought about the whole thing, especially considering how defensive he got and how un forthcoming - I figured out what probably his game is.
He gets the person to list the item using their account. The item sells, the fees are charged to that persons account, the person takes their 11% cut, and sends the remainder off to the guy. Only there never was really any item. So the buyer files a complaint that they never received their item, and the person who listed the item is now responsible for refunding the purchase price. Out of their own pocket - because of course at this point MovingTruck guy is long gone.
I think I dodged a bullet here by asking questions. It would be nice to find a situation like this that was for real though.
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Almost forgot! I was wondering if anyone has heard of the Klondike:Gold Rush mini-series running on Discovery channel. I saw it advertised on Swagbucks a couple days ago, and found a similar program on Hulu (free) but was wondering if anyone knows where I could see these episodes? (legally of course!)
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February 4th, 2014 at 12:50 am
I received an email from Ting today saying that they have lowered their prices on data! How often do you hear of a company that lowers their prices?? When I move to NE, I totally plan on switching to Ting. (I'm just not too sure of Sprint's network here. NE has Sprint, and when he calls me within NM I can always hear static.)
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I called my Internet service provider this afternoon. I had to agree to a 12 month contract to get the deal (but if where I move to doesn't have this provider, then I'm good to go.) The cost without the promotional deal would be nearly $60 - with the promotion it'll be approximately $30. I can deal with that.
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I had totally forgotten that I'd opened up a dream account with Barclay's and set up automatic transfers. So last night I received two emails telling me that my transfer was successful. Huh?! I was completely paniccing and it didn't help that their customer service isn't open on the weekend. After about ten minutes though of thinking it through, I recalled the dream account and calmed down. I did call them today though to be 100% sure.
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I got my resume/cover letter faxed off today. Now the wait begins.
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February 1st, 2014 at 10:07 pm
Well I finally called the company that is not named today and ... was told that I need to keep looking for the box with the scanner for the next two weeks, and if I don't find it, call back on the 17th and they'll mark it as a "lost asset." I will not be held liable for it!Here I've been stressing about it for *months* and it was as simple as this. Ugh!
Thanks everyone for your advice/suggestions/commiseration.
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I got my January Internet bill on Thursday. It was almost double the normal bill - so that means that whatever promotion I was under is over again. I was going to call them today, but they're only open M-F, so will have to call them on Monday. Hopefully I can get it lowered by quite a bit. (Especially considering how slow/spotty the service can be sometimes!!)
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NE was here visiting this past week. I used the third of my four personal days to be able to spend a whole day with him. I'll be using the last personal day near the end of this month to go out there to NE. Feb 10 will make 9 months! We went out to eat Thursday night, and I managed to forget to bring my purse! Luckily he had his wallet, so he paid (and luckily I didn't get pulled over - no driver's license!) We have the agreement that whoever is "hosting" the other generally drives and pays for meals/entertainment. (I paid him back when we got back home.) He drove home through the Denver area so he could purchase some stereo equipment (he resells on Ebay) - as he was walking out the guys door, he missed a step and fell. Luckily, his pride was the most damaged in the fall.
I can hardly wait til the end of May when we will no longer have to make a huge trip to see each other!!
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Speaking of the move .. NE accessed the stuff that I plan on moving with me (I'm planning on donating my elliptical and probably my computer desk/hutch .. and debating about my stereo system.) He thinks that I should be able to fit everything in to one of the larger rental trailers along with our two vehicles. I *think* that even with adding in gas costs for two vehicles, this would work out somewhat cheaper than renting the small truck and car dolly.
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I was going to fax my cover letter and resume on Friday for that tech job in NE - but got way busy during the day, and then after school I helped the 3rd grade teacher select photos for the Americ@orps conference she and the first grade teacher are going to in a few weeks (the same one I went to last year.) By the time we were finished, the office was locked up (where the fax machine is.) So .. will do it on Monday - have everything printed out and ready to go (including a cover sheet.)
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Getting gas on Friday evening in big G was a nightmare! My tank was on the last flashing button so I HAD to get some, otherwise I would've driven off and done it later. I pull up and there is a sign on all the pumps saying that they were out of regular fuel, but that the mid-level fuel was the same price. So just as I'm about to swipe my card, someone comes out and takes off the sign and says they have regular fuel again. Okay... I swipe my card and am about to remove the pump, when I get the message the transaction was cancelled. Huh? I hadn't even typed in my zipcode - and I knew the card was good - had just used it at Walmart. So, I tried it a second time. It was canceled again, and given the message to see cashier. I went inside, and there was a line of 20+ people! Finally I get up there and ask for $35 on my pump. Go pump, and it comes out to $32.01 - am told to go inside for refund. UGH! 20+ people again in line. Finally get my refund.
A transaction that should have taken maybe 5 minutes tops, ended up taking over 20 minutes -- all with frozen groceries in the car. At least I wont' have to fill up again for awhile.
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I recently downloaded a new app (new to me at least) called Receipt Hog. You take a picture of your receipt and earn coins which eventually you can redeem for gift cards or Paypal cash. So far it seems to work pretty well, and an added bonus is that you have a digital record of your receipts. You get bonuses for referrals, but I think the only way to get referrals is via FB/Twitter or email. Too bad they don't just have a link I could place on my sidebar.
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Another new app I *just* downloaded last night is Achievemint! I've been using the website for the past year, but they just recently came out with an app. I've earned almost $40 from it just from connecting GymPact, Fitbit, Monitor Your Weight and My Fitness Pal. Now with the app, I am able to set up "habits" which correspond with the apps I already have connected and earn even more points! I'll be cashing out when I get to $50 (which shouldn't be too much longer at the rate I'm earning points now!)
About GymPact - I can't remember if I mentioned it or not - but they have expanded the ways you can earn money. It's made it so I've been able to cash out for $10 TWICE since December. They added connectivity to My Fitness Pal - you can bet how many days you'll log your calories and then get paid for it (if you make your bet.) You also can bet how many servings of fruit/veggies you'll eat in the week (up to 35) - take a picture of what you eat, and the community votes on whether it's acceptable or not. (They have renamed themselves just Pact, but I think you still can find it searching gympact.) New users might still be able to get a $5 starting code (was MFP, but I'm not sure when that one expires.)
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I have three months left to be able to do ten regular pushups -- or pay NE $100. Um .... I still can't do one regular pushup. Part of the problem is that I haven't been terribly consistent doing my pushup workout routine .. really need to get on that.
As for diet@bet -- I have a *small* possibility that I may be able to win Round 3. I'm within 1 - 2 lbs of my round 3 goal weight - Feb 5 or 6 is weigh in day. I think I'll definitely make it for the Round 4 weigh in (March 5/6) and 100% sure I'll get the final weigh in (May 5/6.) I've had several people who did not know I was working on losing weight recently comment that I looked like I'd been losing weight. (About 23 lbs lost since September.) My Lane Bryant corduroys that I got on clearance for $5 years ago are getting to the point where I need a belt to hold them up (well, they stay up fine, just kind of ride down to where if I don't have a long top on and raise my arms .... belly button assault.)
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I cashed out about a week ago for 500 SBs from Bing - I'm going to use the code probably on Monday so I don't have to worry about making the goals that day. Although it might be better to save it for the birthday bash day, since the goal that day will probably be pretty high and be time consuming to reach. Hmmm..
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I think I've got most of the tax documents I need now. I plan on finishing my taxes this weekend. I'd forgotten about the money from summer school - so I'm not sure how that will affect my refund - I *think* I'll still be under the tax saver's credit limit (so I'll still get a credit for putting money in my ROTH.) I'll also be able to do my state taxes, so I can find out what kind of refund I'll get from that. Whatever refund I get will be going to the Moving/NE fund. If I get that tech job, it'll make the move SO much simpler - (i.e. renting an apartment with a contract in hand is much easier than trying to rent an apartment without a job already ... plus since it's a Catholic school, they hopefully would be on the same salary schedule - so I might only have to go for July without a paycheck. Oh, I also checked out the salary schedule in that town for Catholic school teachers ... the *starting* salary is a good $10k more than I make right now - assuming that's for people with only a degree and no experience.)
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January 12th, 2014 at 06:42 pm
The first week back was hard to get back into the swing of things, but somehow I managed to get through it.
I did end up losing Round 2 of the diet*bet I'm participating in - a $40 loss! I'll get it for Round 3!! (need 5.2 lbs by Feb 5)
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After getting my final paycheck for 2013 I logged into Tax@ct and did my preliminary taxes. In 2013 I upped my allowances so I got more money in each paycheck. Before inputting info for American Ed credit and tax savers credit, that gave me a refund of $52. After inputting the info, it gave me a credit of about $400. The state info wasn't ready, so I don't know what that'll be like yet. Whatever money I get back from taxes will be going straight to the moving fund!
In doing my taxes I was glad to find out that I was correct in figuring out that I would not owe any capital gains on the stocks I sold earlier in 2013.
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I wrote to Bings customer service about my first reward email that I think I'd deleted (hadn't realized what it'd look like.) They resent me the info! So I had the $5 AGC from the first reward, and then 500 SBs from the second reward. That gave me enough SBs to redeem for a $15 AGC (with enough left over for my February 5 $5 AGC's.)
I also took a Pinecone survey yesterday, so that'll be another $3 soon.
---
I've now added to my list of apps/websites that are paying me to exercise / eat right.
Previous list:
GymPact (now just Pact) - pays you to workout, to log calories through My Fitness Pal, and to eat fruits/veggies
Achievemint.com - pays you for steps, RunKeeper activities, MFP food logging, monitoring your weight, etc.
Walgreen's Balance Rewards - Pays for fitbit steps, and monitoring weight
NEW
earndit.com - earn points for steps and turn into prizes and/or giftcards
----
Some excitement with my car this week ...
I'd noticed the low tire pressure light on for a couple weeks (before vacation) but figured it was just from the cold weather. Thursday after school I noticed that my tire was completely flat. My purse was at home (.7/10 mile) so I drove home to get it. I'd helped NE change his tire this Christmas so thought I'd try my hand at it on mine ... couldn't get the spare tire out of the trunk. Decided that if my tire was ruined, it was already ruined, and if it wasn't, that a mile or so wasn't going to make that much of a difference.
At the mechanics he took my tire off and showed me the nail in my tire. He also emptied out several cups worth of black dust, and showed me the side of the tire. Yep. Ruined. So I tell him I'll go ahead and get a new tire. It's $88 -gulp. This mechanic doesn't take plastic ... all I had on me was $10. So I went across the street to the local mom and pop store and got $100.
When I went to pay, the lady at first was like -- "It's $88." I told her, yes, I gave you $100. Oh (she recounts it.) Then she gives me a $10 bill. I'm puzzled and tell her that I think my change is closer to $12 - she says the mechanic told her not to worry about change. Huh?! She then gives me $2 and apologizes saying she wasn't feeling very well. Um ... okay.
So the tire was supposed to be there on Friday. I left work as soon as the last bus was gone and got over there. Apparently the tire delivery guy was sick, so no tire. The mechanic had fixed my old tire so I could drive on it - but had also warned me that with it being so thin on one side that there was danger of a blowout. My tire should be here by Tuesday. So that made for a staying at home kind of weekend.
---
I looked on Craigslist for a few hours yesterday at housing options in NE. I know it's WAY early but still it's good to have some ideas. I found a studio apartment (404sf)for $300/month that allows cats! I hope that option is still available in June.
I also found this really cool option that is about 30 minutes from NEs place out in the country. It is a very rustic cabin - no running water, but has electricity - you have to park about 1500 feet away from the front door. It has a wood stove for backup heat. It's not really practical, but it sure was fun to think about.
---
I found out that my car loan isn't quite at the $1000 mark yet. After my December payment it was at a balance of ~$1300. So after the January payment it is now at a balance of ~$1000. That means that my last $300 payment will be in April instead of March. That's a bit frustrating, but at least it will still be paid off before I move.
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January 5th, 2014 at 12:41 am
I opened my front door about 2:15 a.m. - about two hours later than I'd thought I'd be getting home. My first flight was delayed 90+ minutes due to the lack of a full flight crew (one of the crew members was on a plane that was delayed in another city.) Thankfully my connecting flight was also delayed - and it actually waited for us! A small miracle considering it was the last flight out for the night (to ABQ at least.)
Overall, I had a very good trip. There was some family drama in CA due to my diabetic uncle who wasn't managing his blood sugars very well ... but the NE part of my trip was quite lovely. I am really looking forward to when I can make NE my home state.
I'd been thinking about trying to get to a gym while I was there, but ended up not bothering. I went to Walmart and Target and just walked around in there, and then did my pushup routine in NEs apartment. Somehow I managed to only gain .02lbs! I'd call that maintaining really. My weigh in for my 6mo dietbet is tomorrow - I need 1.3 lbs loss to make it. Kind of doubt that'll happen, but miracles do happen.
My aunt gave me a $200 check to help out with my traveling expenses. I thought that was really nice of her - she'd said that she wanted to help me out, and I thought maybe $100 at the most. So it was really unexpected (and appreciated.) I'll be putting that money into my travel/moving category.
I'm going to be heading out to do some grocery shopping in a few minutes. I'm totally out of cat food, plus some other things.
I opened a Barclay's Dream Account today. I moved $1k out of my EF Barclay's savings into it, and set up an auto transfer of $50 for 6 months. It won't be new money going into it, but that'll earn a little more than what it was earning.
One goal I have for the upcoming five months or so ... pack one box of items or purge one box worth of items per week (until I'm at the point where what's left I *have* to keep out.) That way I'm not panicking in May trying to get everything done.
I've decided to donate my elliptical to the school - I don't really use it, and there are staff members who DO use the equipment in the gym. So that'll save space on the moving truck. I'm also considering letting go of my stereo (never use) and my pantry cupboard (falling apart.) Possibly letting go of my computer desk/hutch as well (replace when I get to NE with something smaller.)
I desperately need to go through my clothing and reduce it by 50%. I have SO many clothes! I need to reduce my kitchen stuff too. It would be good if I could fit all my clothes into my 3 suitcases (with the exception of my big winter coat) and all my kitchen supplies/dishes into 6 medium boxes. My office/books stuff also could be greatly reduced. I'd like to be able to get all of that stuff into ten medium boxes or less.
I'd like to be able to use the smallest Uhaul truck with car towing capacity when I make my move. So the more I can reduce, the better! (I plan on finding the smallest, most inexpensive - yet relatively safe - place to rent that allows cats. No matter what kind of job I find.)
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December 21st, 2013 at 05:01 pm
First semester is over. Yay! We barely managed to get the first issue of the school newspaper out yesterday.
Had two nice surprises yesterday - the mission gave all of us $50 Walmart gift cards! This is the first bonus I've received since I started working here - I had just figured they didn't do bonuses. The second nice surprise was that my assistant gave me a gift - totally wasn't expecting one. She gave me a beautiful necklace with a tiny turtle charm, a cross necklace/earring set (which I can't wear because my ears aren't pierces, but I can give it to my mom), and a bunch of Hershey's miniatures. I rarely ever wear jewelry - mainly because I forget I have any ... so it's amusing whenever someone gives me a piece. (Amusing in the way of wondering if they'd noticed I 99.99% of the time don't wear any.)
My junior year of college I had a glamor shot photo done. NE saw it years ago when we first met, and the image stuck with him I guess. (probably because I look so different from normal everyday in it ... i.e. I was wearing a lot of makeup and my hair was gussied up.) This last summer we were talking about a lot of different things, and the picture / makeup thing came up. He told me that he'd really like to see me in makeup once in awhile.
So ... last night when I was at Walmart I decided to use some of the giftcard bonus to buy foundation, eye shadow and an eye liner. I already had lipstick and mascara. I was also thinking about buying blush, but just couldn't figure out a good color. Figuring out the color for the foundation was difficult enough - I ended up buying one of the more expensive brands that had one of those testing sheets that you put your hand under to see skin tone. I really don't remember the last time I bought foundation. I plan on putting it on before leaving to NE on Christmas Day - hopefully most of it will still be on by the time I get there. A small Christmas gift to NE. (I really probably need to go to somewhere like Macy's and get my colors figured out again - when I was in high-school a friend of mine who was really good with makeup helped me figure out colors - hence brownish eyeshadow/liner - but skin tone can change as you get older.)
I don't mind wearing makeup, especially on special occasions. I just don't usually think about it or want to take the time to do it. If I remember to put on lipstick and mascara that's a major miracle most of the time...
--
I bought some semi-healthy snack type foods at Walmart that I can take with me for my trip. NE and I have different eating schedules - I can't go more than 4 or 5 awake hours without something, whereas he can go much longer. So, it'll make life much easier to just have some foods I can snack on until he's ready to actually eat a meal.
(Dietbet) I have two pounds to lose by January 5. I was really hoping to be at Round 2 goal weight *before* leaving on my trip so all I'd have to do was maintain. I've decided to not stress out about it and focus on maintaining. I still can meet Round 3's goal (8% total of starting weight - which would be about 5 lbs from where I am right now) by February 5. I'm not going to go overboard on eating, but I'm also not going to obsess (too much) about calories, etc. I will however try to get in as much activity as possible. If I lose, great. If I maintain, fine. If I gain a little ... well, that's life.
I am looking into gyms in NEs town - especially hoping to find some kind of trial membership pass or something. Too bad there aren't any Planet Fitness in NE - then I could just pay $10 and use it while I was there and cancel.
--
I've made a total of 14 soaps now (2 with the messed up bug oil drops.) I bought some more soap cases at Walmart last night, but forgot to get the washcloths or ribbon! Doh! When I get to ABQ this afternoon, I'll get those things to add. I'll take pictures of everything and will eventually do them in a blog post here. Just not sure when. I'm going to give one of the soap/soap case to my co-worker who is looking in on Kari for me while I'm gone. I may also send one to my mom (along with the earrings) and maybe give one to my IT friend/coworker (she's having lung cancer surgery on Tuesday - please keep her in your prayers. )
--------
Looking at 2013:
Financially speaking, this was not a banner year. I spent a lot of money and saved very little. I did not meet any of my financial goals - though I came close on two of them.
1. Pay off car loan - Nope. Have roughly $1000 left.
2. $5k in EF - Not even close. I didn't really even add anything to my EF this year. I have money in savings, but I haven't earmarked it for anything specific yet because I just don't know how much all my traveling and eventual move is going to cost. So, in effect, the money that might have gone to the EF is in my liquid savings.
I'm not really sure how much I added to that this year, because it keeps getting spent. Right now I have approximately $3k in liquid savings.
3. $3k to ROTH - I put $2400 in this year. When I do my taxes I'll see if squeezing another $600 will make that much of a difference in taxes or not. If not, then I'm not going to worry about it.
4. $1k to FIRE fund - Nope. Zilch.
Even though I didn't meet my financial goals, my networth did increase substantially. It actually broke the 6 figure mark.
Personally:
2013 was a banner year for me. I managed to get the courage/gumption/nerve whathaveyou up to jump in and see if a real relationship was possible with NE. It was.
This year I have also managed to actually stop my soda habit. Other than a few sips of NEs soda, I haven't had any since mid-September. Stopping my soda habit has been a yearly goal for a long time, but other than a few times, I've never managed to stick with it very long.
Also, in October a switch seemed to go off that has finally made it possible for me to lose weight. I still have slip-ups (like .. my birthday and yesterday with the Hershey's miniatures ...)but more often than not, I'm doing pretty well.
Health (other than weight):
This has not been a good health year for me at all. I really suspect that I had mono starting sometime in late February/early March and have pretty much been recovering since then. I am however starting to have more good energy level/ feeling level days than low energy/yuck feeling days, so hopefully I'm getting close to the end of it.
----
2014 - Looking ahead
Financial:
Goals for first six-seven months - will have to re-access after moving at end of May.
1. Pay off car loan (by March)
2. Increase monthly ROTH contribution to $300 starting in April
3. In April and May - $200 to Moving Fund, as well as any tax return money
4. Move to NE at the end of May
5. Find a new job in NE (preferably one with benefits and better pay)
6. Find an inexpensive and relatively safe place to live in NE.
Personal:
1. Continue healthier lifestyle
2. Continue to grow in relationship with NE
3. After moving to NE, find a church family that fits me and get active in it
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December 19th, 2013 at 11:37 pm
If you have a smartphone and have the Cap 360 app, be sure to log in today and every day through December 29
! 12 $1k prizes and one $10k prize are available.
To enter, all you have to do is login to your account through the app.
This was just the motivation I needed to get my Pinecone checks finally cashed. (One a day for a good while ... at least 7 of them that need to be deposited.)
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December 13th, 2013 at 05:06 am
So I was going through my emails in my hotmail account where I have all my MyPoints mail sent. In amoungst the MP emails there were about 7 emails from various restaurants for free food - a number of years ago I'd joined a bunch of birthday clubs. Of course they were all places located in the DFW metroplex area, none of which are less than 90 miles from where I am now (the closest one is Schlotsky's (sp?) ) I really would love to go to Blue Mesa again, or to Cheesecake Factory or .... Oh well, that's the choice I made by coming here.
--
My fitbit was giving me fits yesterday - not counting correctly at all. So today I sent an email to customer service. They replied promptly and told me that my fitbit is defective and I could either return it to Walgreen's, or send them my receipt and they'd replace it. So I headed off to Walgreen's after work today and they exchanged it with no hassle! So I now have a beautifully working fitbit.
I currently have it connected to Walgreen's Balance Rewards, My Fitness Pal, GymPact, Achievemint and something else too I think.
I got in almost 5k steps today ... and that was *after* getting the new one.
---
I got approved for the Judy Freeman seminar in February!! This will be my third year going. It makes for a nice little mini-vacation. I stay in this fancy hotel the night before, eat breakfast for free at their buffet with a made to order omlette, go to the seminar and eat lunch out (reimbursed) and then head on home again. I wish the per diem was a flat rate and you didn't have to prove you spent however much on food ... but still, it makes a great paid for mini-vacation. (plus getting to see all the great new books for kids!)
---
I made $6 with Pinecone this week, and am within a few days of cashing out for a $5 AGC from irazoo again (thanks to their coupon deal - 60 pts a day!)
---
I had to fill up with gas today - $30.59 for 10.xx gallons ($2.595/gallon)
I also spent $60 at Albertson's. Not all of it was food (I bought a bottle that will be good for shaking protein drinks in.) I found these individual vegetarian split pea soup bowls - 220 calories, 24gr protein!! $1.29 each. I bought all 5 they had on the shelf ... That's one thing I'm trying to up - my protein intake. So that is almost pure protein calories! (a vegetarian source of it too!)
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December 9th, 2013 at 01:37 am
Only two weeks of school left til I fly out to CA to spend a few days with my brother, Grandma and Aunt/Uncle! Then fly off again to NE to spend the remainder of Christmas break. If the plane isn't delayed, then I'll actually get to spend Christmas Day with both my family AND my bf.
---
This last week was a busy one. Thursday and Friday at school we worked on getting everything setup for the Community Christmas Dinner which we had on Saturday. It wasn't as much work as in the past two years (if you remember, I played Mrs. Clause the first year), but there also wasn't as much stuff donated to give away. It was a little sad on Friday afternoon around 1:30 ... everything was pretty much done and there were loads of people just standing around wondering what to do. That never was a problem the last two years!!
The dinner went pretty well overall, although we did have some people kind of complaining about the lack of stuff. They'd take the bag of food or the bucket of food and then come by the Santa's Workshop line and ask me, "Is this it?" With a big smile on my face I would respond, "Yes, it is! Merry Christmas!"
I really didn't think we'd have enough toys for all the kids - but amazingly we did! They were getting pretty scarce towards the end (especially the girl toys) but every kid got a stuffed animal and a toy!
There were a total of 1,063 people who came through and were served a turkey/ham dinner, received a bucket or bag of food, a blanket, a jacket and toys for the kids. (although towards the end we did run out of blankets and jackets - probably the last 70 or so people didn't get those)
All I can say is that I'm glad it's over!!
---
In Round 1 of the 6 month long Dietbet I'm participating in, I won $18.10!
It's kind of a sad commentary on people's reading comprehension though .. on the db site there have been a lot of people complaining about how the winnings are stacking up. I really want to smack a few of them upside the head and ask .. did you read the rules and FAQ's before signing up?? It's explained pretty darn clearly. If you didn't like it, why did you sign up?!
I'd like to suggest to the db team before the next one they do like this that before you pay for your bet, that you have to pass a ten question quiz to ensure that you actually READ the material!!
Ugh!
----
So on Friday I was at Walmart (what a zoo! NE tells me I should shop on Tuesday or Thursday instead to avoid the masses ... thinking about it.) I hadn't found a battery for my fitbit here in little T, so decided to get one at Walmart. What a racket! The same battery I could have gotten 5 of for $1.29 + free shipping from Ebay (which I did actually, but unfortunately my Paypal address is from three addresses ago ....) was $6.51!! I bit the bullet though because I really wanted to get started using my fitbit.
I think I like it so far. Yesterday with standing/bouncing (to try to keep warm) it only recorded 1,300 steps in 4 hours. But today with doing my weight routine and then a 35 minute walk (back and forth through my house) I managed a bit over 4k steps. Tomorrow will be very interesting to see how many steps I do on one of my 3 busiest work days.
I've linked the fitbit to My Fitness Pal, GymPact, Achievemint and to Walgreen's Balance Rewards.
---
We had a two-hour delay on Thursday due to the snow/ice. One of our staff (title 1 teacher) rolled her car on the way in - she was unhurt thankfully. Saturday night another snowstorm rolled in. I wouldn't be shocked if we didn't have a two hour delay again tomorrow. (would love a snow day, but really doubt that'll happen)
---
Groupon had a deal for a Journey concert in ABQ on May 20. I ran it by NE (he loves Journey too) but he didn't think it'd be a good idea since that'll be my last week here and it'll be busy finishing up packing, etc. Boo. He's right, just hate that he's right.
---
I have all the stuff I need to make the soaps for Christmas ... just haven't gotten around to doing it yet. MUST get it done by a week from Monday!!
---
My birthday is next Sunday. I usually take myself out to eat and sometimes to a movie as well. This year though I'm thinking that I'll just get a slice of cheesecake from Walmart on Friday and rent a newer movie I haven't seen yet (maybe Tiger Eyes) and stay at home. Be much cheaper monetarily and calorie wise than going out to eat/to a theater .. plus I'm going to have two weeks away from home where I won't have a lot of control over food ... so I need to be careful if I'm going to make the Round 2 weigh in on January 5/6!
---
Just got the call - 2 hour delay tomorrow! Woo hoo! I can sleep in again.
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November 30th, 2013 at 07:11 pm
So my week off is quickly coming to a close. Overall, it was a very good week. The only downside to it was that what started out as a head cold/bad allergies, became a sinus infection and deep chest cough.
--
While I was at the doctor yesterday to get antibiotics for my sinus infection, I was of course weighed in. It was a nice confirmation of the accuracy of the new scale I got a few months ago (my other one was getting really unreliable.) I did gain a lb over the week, but considering how some of the food I was eating was much higher sodium than usual, I'm not too surprised. I'm still well under where I need to be to win round 1.
The doctor visit was $25.31, and the antibiotics was $10. (Of course, while I was at Walgreen's I picked up some more Nyquil, a pair of leggings (something I'd been thinking about so I can wear a skirt/dress even when it's cold), and ... a Fitbit Zip ... again, something I'd been thinking about for awhile.) So the total cost of my Walgreen's trip was $90.xx.
I also dropped off a couple bags of stuff to Goodwill - things that a former teacher had given me before she moved last summer but I just had never gotten around to getting rid of (used a few items from it, but mostly not useful to me.)
--
Having NE here was really great. He is such a sweet, sweet man. He *really* does not like social situations much at all, but he willingly agreed to go to the faculty Thanksgiving meal so that my coworkers would know that he was real and not something I had imagined. At the dinner he went and got me a drink ... I know that might not be a big deal to some people, but other than my brother/dad, I've never had a boyfriend do something like that for me. It just made me feel really special.
The tater tot casserole NE made was scrumptious! He doesn't have a working oven in his apartment, so I'm going to attempt to make banana pudding while I'm there over Christmas break. (I made cornbread casserole for the Tdinner - lots of compliments, including NE who isn't shy about saying what he really thinks about food.)
---
These next three weeks will be busy ones. Christmas dinner coming up this coming Saturday, preparing for the Christmas program, my birthday, and then the final push for the end of the semester. I will be SO ready to get on the plane on the 21st!!
--
There were some financial things I'd planned on accomplishing on Friday, but between being sick and trying to get into the doctor at the last minute, they did not get accomplished. At some point though I really do need to get them done.
I did receive a $6 payment from PineCone in my paypal account - which I've already transferred. I have around $28 in PineCone checks that need to get deposited ... I wonder how many checks I can photo deposit at a time to CapOne? I guess I'll just have to experiment and find out.
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November 26th, 2013 at 04:26 am
Just a few more hours til NE gets here.
---
I had an interesting morning. I knew my car was giving me fits starting, and so planned to take it to the mechanic this morning. But when I went out there and scraped the snow off, it wouldn't start. So, I called the mechanic and asked them to send their tow truck over - wasn't sure if the problem was the battery or the alternator. They couldn't right then, and told me they'd call me back. Three hours later they hadn't called (during that time I got a lot of housework done!) So I called them again - the guy who took my message had lost the paper with my number.
Twenty minutes later the tow truck driver came and jump started my battery and I got over to the mechanics. $40 for the service call (am going to see if I can get reimbursed by my car insurance roadside plan) and then $110 for the battery.
---
I got some snowflakes today - $10 from GymPact and $6 from Pinecone. I've decided to put all Pinecone and GymPact money into my Health category. I think I want to get a suspension trainer - maybe a Jungle Gym. It's $80. I bought the book Body By You, and it should be here by Wednesday (I used reward points to pay for half of it, and gift cards for the rest.)
---
Oh!! This morning I met and surpassed my 3% weight loss goal for round 1 of my diet*bet!!! Now I just have to maintain or lose more in the next 9 days. (Round 1 weigh out is Dec 5/6.)
I'm now down a total of nearly 13 lbs from my highest weight.
---
I bought an inflatable couch/sleeper because my aero bed was deflating on me last time every night. I opened it up today to get it set up, and for the life of me I could not find a cord to plug it in to pump it up. Maybe NE will be able to find it. It was $70 - I was kind of thinking that it would be good for when I have company here, but also once I move to NE, I'm going to need something to sleep on. So if it proved to be comfy and not deflate too quickly, it might make a good solution. If we can't find a way to pump it up, I'll have to take it back. (I have a full size bed, which barely fit my mom and I when she was here visiting - and my mom is skinny.)
---
When I was at the mechanics today I was looking at their soda cooler. I had a strong temptation to get one .... but resisted. I'd much rather have a candy bar as a treat than a soda - especially since I know that I tend to go back down that road pretty quickly if I let myself have "just one."
---
I had bought a restaurant com voucher for a place in NE, but we hadn't had a chance to use it yet. Yesterday I got an email telling me that the place is no longer participating in rest . com so I needed to use the money for something else. So I looked to see if there was anything in the big G ... and to my utter delight, one of my favorite places here is participating. So tomorrow NE and I will be using one of the two certificates I "bought." (I bought it a LONG time ago - maybe 5 years? and the places keep stopping participating before I use it .. I think this is the third time I've exchanged for something else.)
--
Well, I better get going. I probably won't be on much this next few days.
Happy Thanksgiving!!
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November 22nd, 2013 at 02:32 am
Yesterday was a long, but good day (author visit, literacy night.) I'll tell more about it on my Saturday post.
The reason for this quick entry is to let those of you who might be interested, know that I've added my fitness pal blog link to my link list.
Also, I'm thinking about getting an adjustable dumbbell. Right now I have a range from 3 - 15lbs. I'm thinking that if I get an adjustable one, I could get rid of the multiple ones, thus saving space and possibly future money. Would love ideas on the best adjustable db for quality/value.
Thanks!
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November 17th, 2013 at 01:25 am
It seems as though I'm mostly having a chance to do an actual blog post on Saturdays. I've gotten into so many other things/forums, etc. that am just keeping up.
So anyway ..
I'm at about 2 1/2% lost of my starting weight for the 6 month diet bet. Round 1 weigh in is on Thursday, December 5, so unless I really mess up the week NE is here, I think I'm going to make it. That means I'll get back at least 12.50 (bet is $25/month - half put towards rounds 1 - 5, and half put towards round 6.)
I have been spending a lot of money on food ... but the vast majority of it has been healthy food. I've bought from Amazon chia seeds, ground flaxseed, pea protein powder and am thinking about buying green tea too (I keep forgetting to get it at the store.)
This past week I actually had two and half days where I was feeling almost 80% .. so close to normal! I don't know if it is because of the increase in fruits//veggies and reduction of junky/processed foods, or is a placebo effect. But it was good while it lasted. (Thursday morning I woke up with a sore throat and was exhausted all day Th/Fri.) -- I don't know if the sore throat has any connection with the 45 minute walk I took Wed afternoon in the cold wind or not.
I plan to start a new exercise routine tomorrow - 3 days of ~30 minutes of interval cardio training, and 3 days of bodyweight strength training. (I apologize if some of my words are missing letters - I think I need to replace the batteries in my keyboard.) For the strength training I'm looking at a couple of resources - nerdfitness, Al Kavadlo, and another one I can't remember. I also took a look at You Are Your Own Gym and Convict Conditioning - both of them require a pullup bar, which I don't have, nor do I feel safe putting one up on any of my doors in here. Maybe when NE is here I can get his opinion.
Anyway, all these people advocate strongly that it isn't necessary to workout for umpteen hours a week to lose weight/ get fit - 3 hours a week is good enough as long as it includes 90 minutes of strength training AND a healthy diet (defined slightly differently by different people - but mostly either "clean" or "paleo.") Being vegetarian, neither clean or paleo quite work for me, but what I'm taking away from both ideas is the idea of limiting processed foods as much as I can, and reducing intake of foods with added sugars. (Also, of course increasing fruits/veggies.) That I can do (mostly.)
--
After church today I stopped by Walmart. I was halfway there (parking lot) when I remembered the toaster oven in my trunk. So I found a cart and went back to my car and put it in. I was a bit worried at first from the reaction of the guy at customer service that they weren't going to take it back for a refund/store credit -- but they did! $34.93
I bought: bananas, apples, spinach, Welch's sparkling grape juice (for Thanksgiving dinner), frozen veggies, frozen berry medley (large pkg), sweet potatoes, Kellog's Nourish Oatmeal (surprisingly not that bad for a processed food!), Sunbelt Granola bars (box), lightbulbs, vitamin B complex, vitamin d3, a measuring tape, a set of measuring utensils, a jump rope and ... junk alert ... Terry's Chocolate Orange and SnapPea Crisps. (I might be missing a few things) All this for $70.94 - a $.60 coupon and the $34 gift card. (I need to wean myself off the Sunbelt bars ... they are so good though, and it's a way to get in a little chocolate every day along with fiber/protein .. am thinking of maybe getting chocolate covered almonds - have one serving of those when I need a pick me up right after work ..) (Haven't been able to find my measuring tape, and I want to have a measure other than the scale and a few items of clothing to mark my progress.)
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I had our first Technology Club for this year on Tuesday. I'd planned on having the kids work on the Tynker computer programming lessons. Of course, our computer filters did not like that the lessons were downloads. Ugh. I'd asked about how much the premium program (with 16 guided lessons instead of the 5 free ones) would cost - $25/student. Yeah .... no.
So I'm looking at another option - getting a couple copies of the beginner's book for Google Sketch UP and have students work through it. I haven't checked to see if they are available on amazon yet or not (so I could use my gift card money.) I don't have another Tech Club until after Thanksgiving, so have a little time to figure it out.
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I'm excited/little bit nervous about this coming Wednesday. We are having an author visit - my first ever that I planned (and my second ever in my life - first time I met a real published author was my Sophomore year in college - Kay Rizzo - that was TOO cool! (I loved her books.) The author sounds like a really nice, down to earth person (he'd have to be to be willing to change the date of his visit!) I think the kids are starting to get excited as well, although none of them have actually read any of his books (mainly because only one of his books is available on Amazon in a non ebook format - and the one that is available is only available used - so I bought one copy.) I'm buying two sets of his children's series (Wind*claw*chronicles) for the library (and for him to sign!)
Only 5 more school days til Vacation break, and only 9 more days til NE arrives!!! (Can you tell I'm just a little bit excited? )
--
My lightbulbs in my office burned out Friday afternoon which is why I bought some today. I didn't know what size/style to get, and ended up getting ones that are too big for the light fixture. They fit in the sockets and work - but I can't put the light fixture back on over them. Oops. At least I can see in here again.
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Last night I was talking to NE about how much I miss the Dallas Summer Musicals (got into my head because of a post by a friend talking about how Ghosts (patrick swayze) is being made into a DSM production.) Then I segwayed into how much fun it was to see Kenny G and Jim Brickman in concert, etc. I haven't been to a DSM or any other concert since I was laid off at my oil and gas job five? years ago. He made the comment that I'm not *that* far from a good sized city (about 90 minutes depending on traffic and where you go.) That made me remember that when my family lived there when I was in elementary school that we went to a playhouse that did a production of Oklahoma! and I think that's where we saw a production of Steel Magnolias too.
So this morning I opened my Groupon app just to clear the big red number, and scrolled down a little bit. Guess what I saw????!!! Jim Brickman will be in concert here on Dec 18!!!!!!! Tickets are $17. I am SO tempted. I really would not want to drive there and back by myself (honestly, wouldn't want to go by myself anyway), so if I do this, I need to figure out someone here to ask if they'd go with me. I'd probably offer to cover their ticket if they'd be willing to drive on the way back (am NOT great driving late at night.) The only caveat is that it is on a Wednesday, which is one of my 3 weekly Skype dates with NE. I'd really hate to miss one of those .. but then again we'd be seeing each other in person a week later .. If I did go, it would be something like my 4th Jim Brickman concert, so if I didn't go, it wouldn't be like I was missing out on a new experience. I am conflicted, and need to make a decision by Monday (when the deal runs out.) The total cost of this would be about $30 in gas, and $34 in tickets (if paying for guest.)(plus I'd be really tired Th/Fri .. but this is worth that cost to me)
What do y'all think?
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November 3rd, 2013 at 09:28 pm
On Friday I printed off 5 coupons from Swagbucks - 2 for $2 off Lindt chocolate, 2 for $1 off Rice Dream and a $.50 Crest coupon. I didn't get into town until Saturday.
So after church I stopped by the library to pick up some additional books on spiders (2nd and 3rd are doing spider research.) Then I stopped at Albertson's (usually shop at Walmart, but Albertson's is right next to Walgreen's, which was my final stop.) Albertson's had Rice Dream on sale 2 for $5, and Lindt bars 2 for $5. Crest was also on sale. Sweet! Going in I had no idea of the sales - I just lucked out. The $1 (after coupons) isn't really saved money, because I didn't *need* Lindt ... but it sure was nice. The other coupons though were for things I needed/use, so are a definite savings.
Oh, I did stop at Taco Bell, so broke my streak of no fast food. I think it's my last time stopping there though. So frustrating. First, they raised the price of the 7 layer burrito to $2.99. Second, what happens too many times happened again -- I asked for NO guacomole or tomatoes. Guess what my burrito had? Ugh.
I spent $16 at the grocery store, $6.37 at Taco Bell, and $24.xx at Walgreen's (prescription.)
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I was down to my last bar of gas on Friday, so I filled up in T for $3.23. ($32.47). I was really annoyed when I got into G on Saturday because I saw gas as low as $2.94!! I really should have just gotten a gallon in T - enough to get me into G and around. Will do that if it happens again.
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So if you remember, I started a diet **bet about a month ago - betting that I'd lose 4% of my starting weight. Well, that didn't happen, but I did lose about 3%. I also saved a bunch of money on not buying as much junk as I had been starting to do, AND am almost ready to cashout again on GymPact, and am *really* close to cashing out on Achievemint. So, even though I'm out the $20 of the bet, I think I more than made up for it in other savings.
Well, I'm about to start another diet***bet - this one though lasts for six months. The goal is to lose 10% of your starting weight by month five, and then maintain it for a month. You can either do $25/month * 6, or pay $125 up front and get one month free. I went ahead and did the $125 up front, plus paid $20 for "weigh-in tokens" which makes it so you can compete for weekly/monthly prizes. I think I'm much more likely to be successful at a more long-term bet than trying to lose 4% in one month.
As of now, I'm back on NOT eating at fast food places, and limiting junk food purchases to one item a week. This will both save me money, and save me calories. I downloaded two apps which I think will also be helpful - My Fitness Pal (free), and a Couch to 5k program ($.99.) I'm probably going to repeat each week of the the 5k program 3 times to really take it slowly.
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We are supposed to get a snowstorm here on Tuesday - no idea if it's going to be enough to cause a snow day. That would be nice if it did though. Then we'd have two 4 day weeks in a row. (Veteran's Day)
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I signed up for Bing Rewards - mainly because I wanted to earn free months of Hulu+ so I could watch Once Upon a Time. But then I've since figured out that you can already watch OUAT for free on Hulu. Then today I discovered that you can redeem your Bing points for Amazon cards! If you're not already a Bing Rewards member and would like to do it, please consider letting using my referral link (check sidebar links) - I get 50 credits once you reach Silver level. I use the AGCs to buy books and other supplies for the school library I work at. (In fact, I am probably going to need to purchase some headphones for the computer lab very soon - ours are breaking rapidly or going missing - am thinking of getting the kind like you have for iPhones so they'll have a built in microphone.)
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Ugh. I was going to cancel Amazon Prime and Netflix. Unfortunately I didn't set reminders to do that, and just remembered I was going to do that ... Checked - and they both already renewed. $79 for Amazon and $8.53 for Netflix. I haven't really been using Netflix much lately, so thought I'd cancel it for awhile. Amazon Prime is nice, but too much at $79 (I had a Student Prime account the past 4 years, but since I'm not taking classes this year ...)
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November 1st, 2013 at 02:03 am
I was extremely happy yesterday morning to get a FB message from the owner of the dog I was dogsitting telling me that they'd cut their trip short and had arrived home Tuesday evening. When would be a good time to come pick up their dog?
They arrived Wednesday afternoon shortly after 4 - the dog seemed to be completely overjoyed at having her family back. Almost as happy as me to have my house back to normal. They gave me a $50 Wal-mart gift card as a thank you, which I gladly accepted.
--
I also had a babysitting job on Sunday evening with the two girls I watch every so often. That was another $35.
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I saw an offer discussed on My Money Blog which I was really interested in, but unfortunately would not meet the requirements. It is for a bank offering $20/month if you open a checking account and a savings account - then have two direct deposits a month totaling $1500 AND make two bill payments a month. If it wasn't for the amount of the direct deposits, I would totally go for it. (I'd come up short by $75.) I guess this is an example of how people who make good incomes are able to take advantage of things to earn more money. Oh well, I'm happy with my banking setup right now anyway.
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I got an email from Pinecone telling me how to setup my account for PayPal payments. I'd looked all over the site to do it previously, but somehow had missed it. So now I'm set up for Paypal payments. Which is very good since I have about $18 in Pinecone checks that are sitting in my "to do" box ....
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I stayed home tonight rather than going to the annual teacher/staff gathering to hand out candy to the neighborhood /surrounding area kids. I just didn't feel like being in a group/socializing, nor did I feel like being out in the cold. So staying home and getting to bed at a decent hour .. that sounded wonderful.
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I am having a health issue right now that is concerning me. From what I've gleaned from the Internet, it could be caused by three or four possibilities. One would be a happy possibility, one would be an okay possibility, and the other two I don't want to even entertain the thought. I have a doctor appointment a week from tomorrow to do a recheck of my TSH (thyroid) level, so I plan on bringing up my concerns then. This, on top of not having gotten back to my normal self since March when I had bronchitis, is extremely frustrating.
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October 26th, 2013 at 09:10 pm
Despite my despair over having at least 30% less product than the previous two years, we still managed to make a similar amount to last year's profits! Of course, Schl is I guess trying to cut corners - which I found out when filling out the financial forms. The past two years I received Schl dollars for Principal Involvement, having a Middle School Crew, attending a Webinar, and having a Parent Event. This totaled around $150. This year I didn't read through the promotional materials because I thought I knew what I was doing (and was kind of distracted ...) so assumed I'd be able to earn for those things again. Nope. I only got $25 for attending a Webinar.
Since I used $35 Schl$ to pay my student crew (7 kids who helped me out on Tuesday - P/T Conference day), as well as spending $200 Schl$ on books from the fair ... this meant that I had to take some of our profits as Schl$. Thankfully it only reduced our cash profit by about $100. One of our teachers has said that he plans on using the Online link to purchase some items as well, so if that really happens, then we'll see a little bit more from that too.
It was an exhausting and stressful week (and Friday morning was the busiest four hours of the whole week for the third year in a row,) but in the end it was a successful run. One of my 8th graders who helped me with the clean up commented, "I miss the book fair already."
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A few weeks ago NE told me about this website he stumbled across called go*fund*me * org. I didn't really have a chance to look into it until today. I had been thinking about maybe setting up a page to get donations to fund 20 new computers for our lab, but thought that might be overly ambitious. So what I did do today was set up a donation page to fund the purchase of 5 new digital cameras/cards. I found out yesterday that instead of my usual 5 or 6 Journalism kids, I'm going to have 8. We have 5 digital cameras right now (actually 4 ... one seems to have gone missing, but I just purchased one mostly using funds earned through Swagbucks, to replace it,) however, it can get kind of tricky when I need the cameras for my students to use AND teachers are asking to borrow a camera for taking pictures of various activities. If we had ten cameras, then there'd be enough for all 8 students, as well as two extra for teacher/staff use.
(I'd post a link to my page here, but it required me to use my real name/location and link to my FB account. It also seems to post the full name/location of donors - although I don't know if there is an anonymous option.) Tonight I might post a link to it on my FB page.
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I don't know why, but I seem to really enjoy time travel stories set in medevil(sp?) times. I remember this one book I read maybe 12 years ago that was like that, then a few years later when my car was broken into and I needed a distraction - lo and behold there was a movie based on that book in the dollar theater! (wish I could remember the name of it!!)
So anyway, a few weeks ago I came across a free ebook with the same idea - time travel/medevil(sp?) time period. It's called "Daughter of Time." I really, really enjoyed. So much so, that I spent $7 to buy the next two books in the series. (ebooks) That's the first time I've spent money on books for myself in I don't know how long.
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The dog I'm watching seems to have finally settled down. I've been letting her roam free both at night and during the day, and for the most part that has been without problems. (although yesterday I found out she'd had a #2 accident in my living room - yuck!) Her owners should be picking her up either Thursday or Friday. This has shown me that maybe it would be possible to have a dog - even with my schedule. I'd just have to get it in the summertime when I could make sure it was well trained before my school schedule started. Something to ponder for two summers from now (this coming summer will be too crazy with moving and job hunting to even think about adding dog training!)
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On Thursday I had a visit from a representative of a book donation organization I found out about a few years ago. I was able to show him where many of the books they've donated to us have been put, and let him know how much use they've gotten. (lots!) He told me that there should be another shipment coming for us in a few weeks. Cool! Hopefully there'll be lots of non-fiction titles!!
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I have gone almost three weeks now without soda or fast food visits! Yesterday I was in big G doing my grocery shopping and almost stopped at TB, but resisted. As NE says - I could live for several months off of what I have in my cupboards ...
Last night NE actually brought up how much he could save if he cooked more at home. He spends a lot at fast food places, and a considerable amount at restaurants. I've never said anything to him about it, but it certainly was something I'd thought. So I'm glad he's thinking about it at least. -- I mentioned that cooking at home could also be more healthy - that kind of got NE off on a tangent though about healthy food not being less expensive .. which wasn't really what I was talking about. If he and I end up getting married eventually, it'll be really interesting figuring out how to merge our two eating lifestyles. I'm a hoarder when it comes to food (grew up with a dad who believed that having a full pantry/fridge/freezer was of upmost importance) and NE is someone who only buys enough for one days meals (if he's going to eat at home..) For him though, it isn't because he doesn't believe in having food supplies, its more that he has a bit of a food addiction - if it's there, he'll eat it. I have that problem with chocolate, but not really anything else. His is more encompassing.
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Question -- About five weeks ago I impulse purchased a toaster oven from Walmart. I have since misplaced the receipt. Is there any chance they'd take it back and refund my money? I've not even taken it in from the car ...
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October 19th, 2013 at 05:46 pm
So yesterday was our preview day. Overall it went pretty well, especially considering how tired and yucky I was feeling - and the first part of the morning, very hungry as well. (explain later)
The kids all seemed to be pretty excited about what we had - although they kept asking me about books they'd seen in the flyer or in the video ... which we did not have.
About mid-morning I had 20 minutes between groups, so I called my representative and expressed to her my frustration and disapointment. She listened, and figured out that I had been sent a "Standard" book fair instead of a "Premium" book fair. This is based on sales - I told her that I didn't understand, since for the past two years we'd made close to $3k and that was way more than the previous librarian. She wasn't totally sure of the reason, but told me to call the restock number right away for any of the books that I knew the kids would want. She also told me that she'd let the branch director know of the missing items (sales bags/signage).
Next I called the restock number with a large list of books the kids had been asking about (or exclaiming about.) They should all (except for one book which I guess is totally out of stock) be here by Tuesday.
In talking with various teachers/staff and a parent, I heavily promoted the online bookfair. Most of them acted like it was news to them - one even said "Why didn't you tell us about this?" Ugh. But .. it does sound like some of them might actually use that option. So, if that happens, then we might just have a chance of making the $2k mark.
I did make my first sale yesterday - one of our students is going to be out all next week. So he got his dad to come by and buy a book for him before leaving. Luckily I'd gotten my change money earlier that day from our principal.
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This dog I'm dogsitting for is ... interesting. She certainly has added an element to my life. Such as yesterday morning ... I hadn't had a good nights sleep at all, so when my alarm went off I snoozed it a couple times. Until ... I remembered I had to take the dog for a morning "walk" before heading to school. So I rushed around throwing clothes on and took her out. When I got back in I put my breakfast together and sat down at the table - then looked at the time. 7:43!! Yikes! So, I threw my cereal back in the fridge, ate a piece of string cheese and drank my orange juice - brushed my teeth and threw my hair in a ponytail and rushed to school. 8 minutes late and hungry.
Last night after my Skype date with NE, I took her out for a walk. She seemed to be pretty full of energy, so we ended up being out there for a good 20 minutes - there were a few times where she was going fast enough I had to jog a bit to keep up. Thursday night she slept in her kennel all night with no problem. Last night though about 1:30 a.m. she started whining and whimpering and sounding like she was having a panic attack. Ugh.
This morning I took her on a walk, and she was slower than molasses the whole time.
I need to find out what/if any commands she actually knows.
Kari isn't hissing at her anymore, so that is some progress.
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Thursday night I woke up around 1:30 a.m. with one side of my nose/sinus totally plugged up which caused one of my teeth to throb in pain. So I eventually got up and took an Oregano capsule AND a mucus relief pill. Yikes was that bad thinking ... not 5 minutes later my stomach felt like it was on fire. Once that calmed down, then I spent the next 40 minutes feeling like I was going to lose my supper. Finally by about 3 a.m. I was able to go back to sleep. Ugh. Ugh. Ugh.
So, at any rate I'm pretty much taking this weekend off to get as much rest as I can before the crazy week that will be coming.
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Oh, I got a call last night from the head elder of my church. Apparently the nominating committee wants me to be a deaconess and the asst. communication director. I told him I couldn't be a deaconess (thankfully!!) due to my membership still being in TX! I did however accept the assistant position with the caveat that I'll be moving by June! All I can say is they must be feeling pretty hard up for deaconesses to ask me ... considering how sporadic my church attendance has been. Or maybe they were doing it to get me to come more often?
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I took a survey for a bank - part of it was where you download a study on your iPhone and complete tasks. It was super easy and I'll be getting a $20 Amazon gift card for it in about a month. Sweet.
--
I did grocery shopping yesterday afternoon. I spent $63 on groceries/clothing/household items, and another $23 on snack food for my helpers on Tuesday. I'm going to see if I can get the $23 reimbursed from the library fund though.
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October 16th, 2013 at 10:12 pm
I stayed home today from work - just haven't been feeling all that well and today was the best day of any to stay home (least classes.)
I had a great time in NE, although I did end up staying at a hotel Thursday night due to the weather here. It was really wet and cold here in T, and I was worried about it being icy at 4 a.m. Turns out it was a good thing I did that - because it was very icy here even at 7a.m.
So other than my airfare, I spent $67 on the hotel, $33 on a mani/pedi (in ABQ), $16 on snack foods at Walmart, and $7 at the airport. On the way back home I stopped at Walmart again and spent $49 on groceries ($6 of it was candy for the Halloween party.)
Our book fair starts on Friday, and the first day of sales will be on Tuesday. I'll need to pick up some snack foods for my helpers (6th and 7th graders)
I have arranged my first ever author visit! It'll happen on November 20. We had at first set it for the 13th, but the group of teachers putting together the family literacy evening had to change to the 20th. That made me a bit annoyed because my church is having a cooking class with a semi-famous tv chef on the 20th that I was thinking about going to. Oh well.
I finally received my SBs for my credit card today. I promptly cashed out for $40 in AGCs - leaving me with enough for my November 5 $5 AGCs plus some. I also received the email from AASL (school librarian org.) with my code for $100 in books from Capstone. I need to figure out what I'm going to use that money for - last year I bought a set of super hero comics which have gotten pretty good use.
Tomorrow one of my church members is bringing over their family dog. I'm going to be dogsitting it through the end of October. She mentioned something about paying me for it, but I'm okay with not getting anything for it. I have people look in on Kari all the time when I'm gone, and they never ask for/accept any kind of payment. The dog is pretty old and apparently isn't one for walks and sleeps most of the time. Will be interesting to see how he and Kari get along.
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October 5th, 2013 at 11:18 pm
Only six days til I leave on a jet plane for a quick NE trip. Here's hoping it won't snow this coming weekend!
I have decided to not get a hotel room Thursday night. It's the time of the balloon festival, and hotel rooms are NOT cheap (when available!)
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So I've been trying to figure out how to get myself remotivated to exercise and eat better (and cut out the fast food / cut back on junk food.) On Monday I came across this website called diet bet. Essentially you make a bet (anywhere from $10++) that you will lose 4% of your starting weight in 28 days. I decided to join one of the groups - the start date was Friday, and the end date is Nov 2. My bet was $20. I figured that whether or not I lose the 4% and get my money back (and possibly more - the pot is almost at $20k now!) I'll still save at least that much by not buying so much junk food and not eating at fast food places. So, either way, it's a win-win.
So far I've been doing pretty well! I'm making money also through GymPact and am only 5k points away from my first $25 check from Achievement.
The big test will be this weekend - leaving early Friday morning for the airport, then spending the day with NE - he wants to eat at this mom and pop diner on the way to his house. Then Saturday night I'll be riding with him all night on his delivery shifts - so, that will probably mean stops at fast food places ..
I'm thinking of bringing along some bags of baby carrots and almonds to snack on - any other ideas of things that are non-meat and not too processed that would travel well?
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Other spending this last week:
Toll charges from summer NE trip: $17.40
Renewed professional memberships: $150
Groceries - $6.61 local shop; $40 - Walmart
Health - Bet - $20; Pilates equipment - $20
Gas ($3.07!!!) - $32
Misc. - $5 (bought a cupcake from a little girl peddling them - threw it away after she was gone. I only had a $5 ...)
Upcoming spending:
$65 - doctor (Must get by there this week!!)
??? - NE weekend
$10 - cupcakes for cakewalk
$5 - candy for Halloween party (debating about going this year...)
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I cashed in SBs for my 5 $5 AGC's. I almost have enough for November's 5 5's (definitely will once the monthly bonuses credit and my SBs from the credit card.)
I have a Pinecone survey to complete today, so that will be another $3 fairly soon.
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I have been updating YNAB *every* time I make a transaction. Hopefully I'll keep this up!
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September 29th, 2013 at 10:14 pm
So today I finally got around to doing yet another fresh start in YNAB. Ugh. While my networth has gone up thanks to a particular electric car, everything else is not going in the right direction. In fact, between all of my credit cards, the amount is more than my next 1 1/2 paychecks. (I get paid every 2 weeks.) I have the money to pay them in full, it's just some of that money is being pulled from other places.
Included on the CC statment is the cost of the tickets for my upcoming trip to NE. I have not yet purchased my Christmas tickets - going to CA and then to NE and then back here. October is a 3 paycheck month, so that will cover that with no problem. I do think I'm going to have to resign myself to the fact that I probably am not going to be able to make the trip to TX for my friend's sons graduation. Right around that time I'm going to need any extra money to pay for moving expenses .. not for a trip.
I decided to cancel hulu+ and only keep Netflix. I almost canceled Netflix too, but there are times I really want to watch a movie or watch a bunch of episodes in a row ... I'm also deleting the HayDay app from my phone/iPad so that I won't be tempted to buy more in-app stuff ... or waste numerous hours playing it. It just isn't worth it (using my fun money for this game.)
I think I've figured out what I'm going to do for Christmas gifts - make insect repellant soap! I can get the supplies to make quite a few of them for about $30. I just need to figure out a nice way to package them. (If you want a link to the recipe, let me know.) This is also something that I can kind of make my "signature gift" because everyone can use something like this, and it is always needed (during certain seasons at least.) It'll also travel well once I figure out good packaging for it.)
I'm not sure if that by itself is "enough" though... what might be something good/easy/cheap to pair with it??
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My goals for October:
1. Update YNAB every time I make a purchase.
2. Stay within grocery budget ($150)
3. No unnecessary spending outside of fun money
-- fun money will probably be spent on a mani/pedi and whatever I need while out in NE.
4. Have more non-spending days (not including bills) than spending days.
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I was debating on whether or not I should stay in a hotel the night before my trip, or just leave early enough from here to make it to the airport. My flight leaves at 7 a.m. and it takes approximately 90 minutes to get to the airport. I'd want to be there by no later than 5:45, so that would mean leaving here around 4 a.m. It would be so much more relaxing to be up there Thursday night ... but is it $60 worth of more relaxing? I can always sleep on the plane ... right?
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Oh, funny thing. As I was checking my various credit cards I found out that I had overpaid on my gas card (I had it set on auto pay, but prepaid some of it one month for some reason.) So it had a credit of $85.15. Guess what my gas budget is for October? This is what happens when you're not paying attention...
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I have about $2200 left on my car loan. At $300/month, that means it will be paid off by about April (I may make a $400 payment to get it finished.)
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Question ... if your networth has gone above the $100k mark (mainly due to one stock) - should you increase your car insurance coverage to the max? Before this stock, I didn't have anything really in the way of assets ... but now?? Should I think about an umbrella policy, or am I still low enough in assets to not worry about that? If I were in an accident (at-fault) can they go after retirement accounts, or are they protected from lawsuits? (If so, then my non-retirement assets are closer to $40k - mostly in the one stock. So if that goes south ... then my networth quickly goes south as well.)
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Upcoming expenses -
$20 - Tolls from summer NE trip
$65 - medical (after insurance from two visits)
$24 - refill prescription
$30 - soap making supplies for gifts
$30 - mani/pedi (fun money)
$11 - Kari's nails trimmed (Kari's budget line)
$12 - cupcakes for Halloween Festival cake walk
$6 - candy for Halloween (all staff put together candy to hand out to neighborhood kids - usually 200+ kids)
$10 - snacks for book fair volunteers (I AM NOT buying books from the book fair this year!!!!)
$150 - Renew ALA and AASL professional membership
$20? - treat for meal in NE (grocery budget or maybe vacation budget?)
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I need to check to see if the local library has season 2 of Person of Interest. If not .. then I'm going to have to start setting aside some money to buy it. It's $27 for the whole season on Amazon Instant, or $43 for the DVDs. If I get the DVDs I can sell them to Second Spin for $14.25. Hmm.. It would almost end up costing the same, so probably the Instant is the way to go - less hassle and can watch on my iPad in bed snuggled up and warm. That is .. if the library doesn't have it. Maybe I can set aside whatever I earn from Pinecone towards it, or ... one of every five AGCs I earn could be put towards it rather than books for the library... If only it was on Hulu+ or Netflix. This is the one downside to not owning a tv - certain stations that put the first six full episodes of a show up on their website for free and get you hooked, and then stop - and don't let any of the regular sites air them.
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I just got an email notification that my $15 AGC from Swagbucks had credited to my account. That was fast - I think I ordered it on Wednesday?!
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September 22nd, 2013 at 07:17 pm
Only 3 more weeks til I make my trip to NE. I can hardly wait (even though it will be only for 2 1/2 days - better than nothing!)
As soon as I get back from my trip, it will be time to start preparing for the book fair. This year since we have an in-service on the Monday of book fair week, we will be having our pre-view day on the Friday before (Oct 18 I think.) I feel bad for the kids in my Friday classes - 3 Fridays in a row with no real class. But what can I do?
This Monday we have an in-service day. The local Diocesan changed the policy that everyone has to do the 3 hour training on s*x predators *every* year, instead of just once every five years. Ugh. So looking forward to it. (would be okay if they have different videos, but I highly, highly, doubt that.)
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I'm feeling pretty dissapointed about something right now. I knew the likeliness of it was extremely minimal, but certain things led me to hope that just *maybe.* Sigh. Maybe another time. Probably never. If it had happened, it sure would have turned my world upside down financially/emotionally - but it would've been worth it. Completely worth it.
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My mom turned 62 this last week, and my grandma 92. I think it's kind of funny that they're almost exactly 30 years apart - but really do not like each other. (well, the not liking part is sad, not funny) My grandma is going to be going on a Panama Canal cruise with my aunt in a bit more than a week from now. She is getting pretty excited about it. I hope when I'm 92 I'm as active and with-it as she is.
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I need to get Kari in to get her nails trimmed this week. I would have done it this past Thursday but I ended up going into ABQ to meet up with a high-school friend and her family. I hadn't seen her in 20 years!! (Which is impossible right, since we both are 29 .. again and again and again. ) She has two boys - a 3rd and 6th grader. Polite and well-behaved. Her husband seemed like a nice guy. It was good to catch up. I really paid for the trip though - doing a 3 hour round trip after work, and then having a full, busy day at work the next day... Can you say exhausted?
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I heard from one of my walking buddies yesterday. She asked me if I was still doing GymPact ... Um.... I was embarrassed to have to tell her that I really haven't walked much since school started. Between the rainy afternoons and not having anyone to walk with... it's hard to get out there. It seems like the rain has become less frequent the past few days, so I really just need to get myself out there and do it. No excuses! My clothes sure tell the difference between walking and not walking ...
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I can't think of anything too much on the financial front right now. Bought some groceries and prizes for a trivia contest on Friday (prize drawing will be on the 30th - but Wal-mart had a ton of stuff on clearance.) ~$100
Payday was on Thursday.
Besides my trips with/to/for NE this year, I have at least two other trips I'd like to take. One is to TX for my best friends son's 8th grade graduation. I held him when he was a week old, saw him graduate from pre-school and kindergarten, and saw him baptized. If at all possible, I don't want to miss his 8th grade graduation. It will depend on several factors - one being when our 8th grade graduation is here and if I can do both. The other is to NC to visit my former walking buddy.
So ... seeing how I have a lot in the way of trips that I want to do, I really need to pull the reigns in on my spending. I'm still paying my cards off every month in full, contributing to my ROTH, and doing double car payments ... but otherwise my savings is at a standstill.
Groceries/Walmart seems to be my biggest money drain. So .. I am seriously (again) considering going to a cash basis for groceries. Still considering how to best do that here.
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I have around $18 in checks from Pinecone that I need to deposit. Just need to do it - easy peasy taking a picture of it. That money will go to my travel budget.
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September 16th, 2013 at 09:54 pm
We've had quite a bit of rain here in the desert the past few weeks, but especially the past few days. On Saturday we even had pebble-sized hail - two bouts of about ten minutes of it. The recent deluge caused concern about a dam above a town about 30 miles from here (and a valley away) where about 20% of our student population is bused in from. So, the decision was made to close school today.
Friday we had our yearly Diocesan in-service. The best part of it was meeting the librarian from one of the other schools. She's been here for 2 years (on her 3rd) - wish we could have met the first year. Oh well, better late than never, right?
I've bought tickets for my next plane trip .. heading out on Oct. 11 and getting back on the 13th. Short trip, lotta money, but well worth it. NE
NE and I were talking about possibly spending part of Thanksgiving in CO .. unfortunately I think that area isn't going to be in any shape for tourists by then. (We weren't looking at CO Springs, but more the area that's closer to Littleton I think. NE bought some car stereo mags from a guy in that area and fell absolutely in love with the scenery - wanted to fish in some of the streams.)
I got an email from Ting today telling me someone used my referral link .. Thanks to whoever that was. Someday when I go back to Ting, I'll start out with a credit! (I loved the service, just couldn't stand the Android phone I had to use. They get the iPhone .. I'm in!)
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I've decided to not stress about paying my car loan off by December. I had planned on making one lump sum payment to finish it off (probably around $900) but I've realized it's either travel expenses or paying the car off by December. It can't really be both. It'll still be paid off early - probably by March, or April at the latest.
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This past week I received about $70 in SB AGCs - and spent it all. Books for the library of course. They should be here by Wednesday (all but 1.)
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I'm seriously addicted to this farm game on the iOS system. HD. I need to find iTunes cards at a discount to feed my addiction a little more cheaply. (Or figure out how to shut off the ability to buy virtual currency ... and have it locked to where I can't unlock it intentionally or not ..) For now, I've set a limit to what I can spend. One purchase a month only. (The small "little" purchases were adding up ...)
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I'm starting to think about what I'm going to do for Christmas gifts. NE and I have already agreed that our travel expenses we're incurring this year seeing each other is more than enough and no need for anything else. The rest of my family (other than my brother, who I've already exchanged gifts with this summer) I'll need to do something for.
I will be going to San Jose again this year for Christmas (NE can't come, so I'll stay in SJ for a while and then go to NE.)
Any ideas? My aunt is very health conscious and very classy/high end. My uncle has everything under the sun and is becoming more health conscious. My grandma is 92 (as of yesterday!) and really doesn't need anything. I was thinking maybe treating the three of us to a mani/pedi - but then not sure of my uncle. Or maybe treat everyone to a meal out ... though that could get pretty expensive with some of the places they eat at there ... Hmmm... If my other aunt/uncle are there too, then I'll need to figure out something for them as well.
My aunt's friend who's always there always gives homemade fudge (Yum!!) If I could figure out something like that, which would travel well and not be too difficult to make/do ... (One year I gave them all reusable tote bags that I'd personalized with their names using fabric paint and a silicone microwave liner. Not sure how well that went over ...)
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Well, am going to catch up on the blogs a bit if I can pull myself away from HD long enough ...
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September 7th, 2013 at 05:14 am
Ahh... what can I say. The kids were pretty well behaved on the three days I was at school, and NE ... sweet, sweet, sweet.
NE got in *early* Tuesday morning (about 2 a.m.) I stayed up long enough to show him around and then headed to bed. Tuesday evening we went into big G and ate at a place called Grandpa's. NE was quite impressed by their cheese steak. Wednesday I took off of work. We went to a local park/lake that I hadn't realized how just how nice it was .. and went lizard hunting. We probably hiked around for a good two miles in this one really rocky/hilly area. In all, we found four lizards - NE got some really good pictures of them. Then we were off to ABQ where I showed him the elementary school I attended from 3rd - 8th grade, and we found two of the three places I'd lived. Thursday after I got off work we ate at a fairly famous sports bar - I love their sweet potato fries, and I thought he might like the sports memorabilia. He wasn't too impressed with their food. He headed back to NE early this morning - probably will be getting there in a few hours from now.
All in all, it was a truly great week.
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One downer though...my friend/co-worker who's had lung cancer twice in the past year .. She told me on Thursday that she'd been coughing up blood. She went into ABQ this morning for some more testing. I just have a bad feeling. The school nurse thinks that her knee issues (my friends) may be cancer related - as in metastasized.
I hope my friend doesn't get mad at me ... she hadn't told anyone other than me about the coughing up blood. This morning when I got into the cafeteria though, the nurse asked me point blank if I knew anything about AL's health. I tried to avoid really answering, but she figured it out mostly. She then told our principal (AL had called our principal at 6 this morning to let her know she'd be out today.) All of us are just worried about her - I just hope she understands that I didn't just go blabbing what she told me, but it got pulled out of me under duress.
Sigh.
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In other news . .. I got my 1,000 Swagbuck bonus yesterday, as well as another 328 SBs for spending. Today I cashed out for a $25 AGC. Within the next week or so, I should have around $65 in AGC from SBs coming.
I also got another Pinecone check in the mail, as well as completing another survey.
OH! I also got a $5 AGC from a mobile survey thing I put on my iPad. (similar to Nielson, which I have on my iPhone - they collect data, anonymously.)
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I'm going to go catch up on the blogs now. Haven't had much Internet time this week.
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August 31st, 2013 at 06:07 pm
It's been a busy and tiring couple of weeks. For the most part, all of my classes are going pretty well. I have one section of 5th graders comprised of 9 boys and 3 girls ... I feel sorry for the girls.... The first week we started with ten boys and 3 girls, then decided to move one of the boys to see if it would help. Sort of helped.
Anyone know of a place where a private school could get a grant or some kind of funding to purchase 40+ new computers??? We desperately need new computers in the lab, and 4th grade up classrooms need new computers as well. It's getting pretty ridiculous - especially knowing that the Common Core testing ... on computers .. will be starting this year.
I'm down to maybe 14 or 15 somewhat usable computers out of 23 in the computer lab ... 9 of which are fairly consistently working. Makes for fun times when you have a group of 17 who are trying to use the lab at the same time.
Anyway...enough of my computer woes..
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I've pretty much spent all of my library budget I was given for this year. But I'm pretty darn happy with what I was able to get for it. I bought ten back jack chairs (chairs you can use on the floor), lots of shelving organizational materials, and some books too. We have five of the chairs already here and in use (a sixth one is here, but was defective - the company is sending a replacement, the other four are on order now.)
I wish I could post pictures of the kids - on Thursday I had 11 first graders. I showed them the chairs and explained how they worked. Excitedly they all came to get one - but of course there wasn't enough for all of them. Instead of fussing and arguing, they came up with a priceless solution - one child sat on the side with the cushion, and another child sat on the side w/o the cushion. The 11th child sat on my rocking chair. All were very happy and read quietly with their stuffed animal/object for a good 15 minutes. It was just too precious.
One other note from the library, then I'll move on.
I gave the 5th and 6th graders their list of possible book projects for the Reading Bingo game I'm doing. (They get a Bingo i.e. read 5 books in 5 different categories - they get a choice of a poster from the book fair or a $5 gift cert for the book fair.) One of the projects is for the poetry category - to complete that category, they must choose 3 substantial poems to memorize from their chosen book. I had at least three students choose and memorize a poem before class was even over. At one point, there were six different students with a book of poetry reading and working on memorizing - including someone reading from Emily Dickinson.
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I am looking forward to Monday night with great anticipation. NE will be arriving! He'll be here through Friday morning. I'm taking Wednesday off so we can do things in the area - maybe go to ABQ and I can show him my elementary school and some of the houses we lived in.
It looks like he has a sixth cat ... About a month ago he picked up two stray cats that from their behavior did not seem like they had any street smarts (in other words, not cats used to being outside.) He posted found ads on Craigslist. The girl cat's owners responded within a few days, but the male cat has had no response. NE took the male cat to the vet on Wednesday to get him scanned (microchip) and tested. Negative and negative. He's going to give the Craigslist ad another two weeks before calling it official ... that he has a sixth cat.
If we do eventually end up getting married someday ... we sure will have a houseful of cats!
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Financially ... I've been doing okay I guess. I have managed to almost cut out my fast food spending the last two weeks (helps not going into town!) Yesterday I did go into town for groceries, as well as to get a mani/pedi.
I made the daily goal every day for the month of August for Swagbucks. Just yesterday I cashed in for a $15 AGC, and I have more than enough for the 5 $5 AGCs for September. I know I won't make the daily goal for the month of September, but I'm not going to worry about it.
It's hard to believe what my networth is right now ... that electric car stock ... wow. I keep seeing reports saying that it's going to tank - that it's overvalued. But then it just keeps going higher and higher - even when the general stock market is going down. I was telling NE last night that I wish I'd bought 100 more of the stock back when it was only $22/28. I just didn't want to put too much money into something my uncle was raving about .. too many eggs in one basket. In hindsight, this would've been one of those times where it would have worked out well (I've already sold enough stock to recoup my initial investment - back when it was at around $100. It's now nearly $170.)
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Oh, almost forgot one piece of library news. We might be having an author visit!! If so, it'll be the first one I've personally arranged - or at least set into motion. It is a native american author who lives in AZ and wrote a series (3) of books based on Navajo culture for middle school kids. Please cross your fingers and toes that funding will come through for this - he's giving us a big discount on his usual fees, but it'll still cost some. It would be SO exciting - especially if we can arrange for him to be here the week of the book fair.
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