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January 9th, 2016 at 11:27 pm
So today just so happened to be communion day at church. I usually enjoy communion - the whole process and service.
In my faith (SDA) we do it 4 times a year, or once a quarter. It involves foot washing, eating of unleavened crackers, and drinking grape juice.
The foot washing part is always the little bit dicey one for me. I've actually kind of avoided going to church here on communion service days ... because I wasn't sure I'd have anyone to partner with (to wash each others feet.) I really didn't want to end up standing around looking hopefully at the other women ...
So ... I didn't check the bulletin last night and got surprised.
Thankfully one of the married, yet goes to church by herself, ladies who has somewhat befriended me, was there and we sat next to each other. When it came time for foot washing, we agreed to be partners.
As I went to get the basin and towel, I noticed another young single mom who attends our Sabbath School class kind of just standing there near the end of the line looking lost. She told me she was waiting to find a partner.
When I got back to where my partner was, I asked her if she'd mind us inviting the young mom to be a part of our group. She was happy to agree, and the young mom was relieved to be included.
It made me happy too - being able to do something for someone else that I would hope someone might do for me.
---
After church got out I had a narrow escape. As I was backing out of my parking space, I thought I heard a crunch! I looked out my driver's side window and saw I was parallel to another car! (I'd been looking out the back window/rear window) I pulled forward and stopped. Then got out and went to look to see if there was any damage. There was no damage to my car and none to the other car. As far as I could figure, I must have pulled perfectly alongside the other car ... I guess the crunch I heard was ice?? Or maybe I imagined it?? There were other people in the parking lot and it didn't seem like any of them had heard anything - nobody looking my way or anything. Just weird.
That other car was parked really weirdly - I think it was actually in a non-parking parking space (with the diagonal lines.) I'd seen it and was aware of it, but hadn't realized it was SO close.
Anyway .. whew!
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It is SO cold here! The forecast says it will get to 1 degree tonight. I feel bad for NE out delivering pizzas in the cold. If you order food in on bad weather/cold/rainy nights, be nice to your delivery person (tip!) They're out there when you don't want to be.
--
I had been planning on doing my grocery shopping tonight, but probably won't. Due to the cold and possibly icy roads.
Question - This morning when I went out to my car, my outside windows had some snow on them, but my driver's side window and the rear driver's side window both had frost on the INSIDE! It was so weird scraping frost on the inside!
Then after church the same thing happened ... I had to scrape frost off - even after sitting and warming up / defrosting for 5 minutes.
What would cause that? I checked to make sure the windows were rolled up all the way. All my other windows were clear.
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January 9th, 2016 at 11:04 pm
I actually took this picture a few days ago. But other pictures took precedence.
In this picture you see: baked butternut squash, quinoa and corn pudding.
All of which was made by me. I am for one grateful that the butternut squash which had been in my fridge for ? weeks still was good. The spaghetti squash unfortunately had to go to the home of the trash can, as it had been a bit TOO long.
I am also grateful for the tip I read somewhere about microwaving a butternut squash (any squash really) for 15 minutes with a bowl of water prior to attempting to cut it open. Made it SO easy.
I am also grateful to my mom teaching me how to make corn pudding when I was 8 or 9? And then letting me be The Maker of the Corn Pudding every Thanksgiving and Christmas thereafter. Thus, I had lots of chances to changeup the recipe over the years. This time I tried adding in 1/2 the cheese. Not good.
And finally I am grateful for quinoa. Such an easy dish to make. Simply put some vegetable stock broth in a pot, add quinoa (pre-washed), bring to a boil, and cook for 15 minutes. Yum!
I'm also grateful for leftovers, and the fact that I can eat the same food day after day after ... What I made on Tuesday night provided supper on Tuesday, Wednesday, Thursday, Friday and lunch today. It is now all gone.
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January 9th, 2016 at 12:30 am
On a chilly evening when I want to relax .. there is just one thing for it.
A warm cup of hot chocolate!
Not just any hot chocolate will do for me though. My absolute favorite is Land of Lakes Mint Chocolate.
And then since I am probably lactose intolerant (not officially diagnosed ..) the perfect complement to the hot chocolate mix is Rice Dream.
Yum!
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January 8th, 2016 at 12:15 am
I'm not really sure how I came to use this expression. It is a Yiddish term, and I have never really spent much time around Jewish people speaking Yiddish. Perhaps it's a term I read in a book - maybe one of Chaim Potok's books.
At any rate, I picked it up, and used it.
Apparently at least one student had heard me use it more than once. One year for Christmas, I got this:
I haven't kept very many things that were given to me by students through the years, but this is one of the few.
----
I got a decent night's sleep last night - not great, but decent. In a much better mood today. (And didn't have to deal with grumpy delivery guy yet.)
--
My supervisor just found out about the guy who was let go the last week of December and how he emailed threats to us. She'd not known why the door code was changed.
So today she went into paranoid mode. And now we have to keep the door between my office "area" and the hallway with the bathrooms/breakroom/exercise room closed and locked. Which means I have to have my key with me all the time. Oh well.
--
The IT person who comes by every Thursday stopped by to see how my computer was faring. (Another data dump this week ...) She told me that she'd suggested to the person who posts our route detours that I would be more than capable of doing the changes we're talking about.
So, I might be having another aspect of my job added. (This IT lady and I have had a couple opportunities to talk while she does things to my computer(s).)
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January 7th, 2016 at 12:49 am
This isn't my picture, but a picture of a project/Christmas gift that someone (Pep) on the YNAB forums made for his mom for Christmas.
Here is a link to his journal: http://forum.youneedabudget.com/discussion/42718/pep-pep-hooray#latest (You do have to be logged in to view journals.)
I wanted to share this picture today for two reasons: 1. It shows how much thought and love can go into a homemade gift. and 2. It makes me smile!
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Today wasn't the best at work. I found out that I made a foolish mistake on Tuesday - as in got the order book for one agency when the order was actually for a different one. The two agencies names had one letter different. The passes got delivered to the wrong agency ... so the grumpy guy who does the deliveries with whom I finally seemed to be making *some* progress with ... will have to go get the wrongly delivered passes and take them to the correct place. Ugh.
I think part of why I made that mistake is because I haven't been sleeping well the last few nights. I've been taking melatonin for a few weeks, and at first thought that it was helping ... but now am not so sure.
I really hope to get a decent nights sleep tonight because I kind of feel like I'm running on fumes. And that + coming up on that "time" makes for one very cranky Laura.
I did not stop for Coke and Chocolate. Which is definitely what I would have done before on a day like this.
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January 6th, 2016 at 12:58 am
The best time of the work day:
This is the clock I get to stare at all day as I help people on the phone or sell passes at the window.
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3 Comments »
January 6th, 2016 at 12:56 am
Tonight I was in the cooking mood for whatever reason. I made a corn casserole, a big pot of quinoa, and am still working on roasting the butternut squash.
It's amazing I have any energy right now, seeing as though I woke up about 3:30 a.m. and couldn't go back to sleep ...
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Work was so so today. Pretty busy at times, and had a meeting to discuss how we handle getting out route detour information to the public, as well as an issue related to the big route changes coming in August.
--
Speaking of work ...
Remember quite a while ago I mentioned that there was a librarian position open at the local community college? I kind of bailed out on actually applying for it - just couldn't do it to my boss.
Well ... the person they hired for that job didn't work out. The position is available again. Taking applications til the 18th.
A part of me is wondering if this is God nudging me to where I need to go. I didn't listen the first time, so He's giving me a second chance.
The job description DOES state clearly that they want someone with at least 1 year of *college* level library experience. If that is truly a big factor, then I won't have a chance anyway.
But I'll never know if I don't try. I am going to try. Gulp.
As much as I love my boss, I don't know if I can really take 15 years of giving directions over the phone ... and dealing with some of the people I deal with on a daily basis.
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So ... on to the other topic. What am I talking about? 5% interest? Unheard of!
Well this is something I saw I the MMM forums a few weeks ago and decided to test it out for myself. I wanted to see how easy it would be.
Here's what I did - I signed up for a Brink's Mastercard PrePaid Card. Once I got it, I activated it and started the process of adding it as an external account to my checking account. Then I had to verify the transactions.
Next, I set up a money transfer from checking to my card. That went through today.
Finally, I moved the money from the card and set up a savings account.
The savings account pays 5% interest up to $5,000. If you ever want to get money back into your checking, all you have to do is move the money back onto the card, and then do an ETF/ACH transfer.
To avoid the inactivity fee, I also set up a recurring transfer of $2 to my card from checking once a month.
That's it. All there is to it.
A more detailed guide: http://thefinancebuff.com/netspend-5-percent-savings-account.html
Now, I also earned an extra $20 right up front - by using a referral code. That person (from the MMM forum) also received $20 after I funded $40+ on my card.
This is a great way to put away up to $15k per person (see detailed link) that you are saving for an EF or a house downpayment, etc.
If you are interested, and would also like to help me out My referral link is: http://www.brinksprepaidmastercard.com/prepaid-debit-card/applyNow.m?ctxName=b_raf&uref=3469171546
Mango is another card which pays 6%, but requires a lot more work. This card (Brink's) is paying you $270 (in a year) for less than an hour's work.
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January 3rd, 2016 at 10:13 pm
If you have read many of my blogs, especially when I have just hit up Target .... you have read of my favorite find of 2015. Amy's Chinese Noodles w/Cashew Sauce.
I lucked upon 2 containers of it on a recent Walmart trip, and today enjoyed the second one.
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I'm continuing to do pretty well with my Mini-Goal of spending 15 minutes+ a day doing something to improve my environment. So far, I'd say I'm at about a 90% success rate.
I also have played around a lot more in the New YNAB app, and am more and more leaning towards migrating 100% to it. It will be even better once they get reports, etc. added, but right now it's pretty fantastic I think.
I cashed out for a $25 AGC from Swagbucks last night - one of the ones on sale for 2200SBs. I'll probably be able to cash out for the $25 PayPal card by the end of this week, if not sooner. (CC rewards, Monthly bonus, Shop&Earn etc.) Not a bad start to the year.
I can't remember if I mentioned this already or not, but I was able to cash out $10 from PACT very recently. It was pretty funny in a way - two weeks in a row of close to $5 payouts - guess a lot of people weren't keeping their PACTs. Bad for them, good for me. (I'm saving all the cashouts from PACT and eventually from Achievemint to purchase the Fitbit that has GPS - can't recall it's name. That way I won't have to use the GPS on my phone - save data!)
Am now just goofing off a bit on the net while I wait for NE to come over. He's supposed to have my Christmas gift with him - should've arrived Saturday. Here's hoping!
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January 3rd, 2016 at 01:10 am
One thing I really enjoy is listening to music. Especially live music. Free is even better.
So tonight I made it over to the church for a free concert. Overall, it was a really good concert. Kind of low-key and quiet Christian focused music. Both Matt and Josie were very talented, playing a variety of instruments.
This is Josie who I think wrote all of the songs.
This is her husband Matt who did most of the talking and played at least 5 different instruments.
----
After the concert was a soup/supper and board games. I totally planned on staying - for the board games. Even planned on that being my picture for tomorrow. But ... my introvertedness won out.
After more than a 1 1/2 years of going to this church while waiting for the soup/supper portion to begin, I still felt completely out of place and alone. I tried. I really tried to stay. I even tried getting busy by helping in the kitchen, but they didn't really need any help.
In the end, I couldn't stay. It sure reminded me of why I've never liked potlucks. There's only been one place in my entire life where I didn't mind staying for potlucks - where I felt I really fit - that was my last church in TX. Of course, even if I were to go back now, 5 years later, many of the people who were there then are gone. So it would be different.
One interesting thing though - I saw one of the people who comes to buy passes for the door to door service van at the concert. He's the one who when the elevator was broken attempted to climb up the stairs by pulling himself up them backwards ... Color me surprised.
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January 2nd, 2016 at 01:19 am
After getting a nice sleep in (sort of - Kari wasn't having me sleep in tooo long) and doing some relaxing computer activities ... I finally got off my duff and productive.
ETA - One of the things I did was set up my budget in the new YNAB program I really kind of like it. The goal setting especially. I'll wait til my trial is up to decide for sure, but I may spring for the $45 subscription. Even if I decide not to yet, I'm still locked in for that discount price if I ever do decide to go to it.
I needed 8k more steps for my 50k step challenge, plus I needed to do a GPS tracked 5k walk for another challenge.
So .. I headed to the park. Brrr!! I foolishly wore my Keds instead of the slightly sturdier tennies. My Keds are starting to get really well worn. As in coming apart at the seams in places worn ...
I got the mileage/steps in with frozen feet and wet/dirty jeans legs.
Got home and changed into something dry and headed out again.
This time to Dollar Tree to stock up on frozen fruit. They were out of most of their other frozen vegetarian options - the freezer section was pretty decimated. $11 (Also got a battery for my smoke detector.)
Then on to Walmart - bananas, apples, PB powder*, Ragu sauce*, Amy's! Chinese Noodles!!, etc. $25
*Had iBotta rebates
On the way home I realized my gas was blinking. So I decided to go a little out of the way to the cheap station - $1.89/gallon - and also get a car wash!
My car hasn't been washed since .... ??????
$19.25 gas; 5.44 car wash (undercarriage+)
Had a weird interaction at the gas station. I pulled into a parking spot to make sure the car wash was operating (doors were closed on both sides.) When I came out this lady annoyedly says "Thank you." I'm like, huh? She tells me that she can't get into her vehicle. I wasn't parked outside the lines, in fact, I was parked fairly close to the line on the driver's side. Just weird.
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Now I'm finishing up a dryer load of sheets and towels (my jeans are hanging dry.) It's been awhile since they've been washed ... I do laundry every Thursday when NE is here, but that's usually only clothes - and definitely not enough space for two pairs of jeans. So I've decided that the first weekend of each month is towels/sheets/jeans washing time!
Ok - off to get my clothes and then eat my surprise find of Amy's Chinese Noodles from Walmart.
Happy New Year everyone!
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January 1st, 2016 at 11:57 pm
This is in the spirit of what Patient Saver suggested recently.
My first picture of course is going to be ... Kari!
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December 30th, 2015 at 12:50 am
So ... today at work they had to let go of one of the bus cleaners. He apparently was very unhappy about this - as in emailing threats to the big wigs.
Had two police officer visits - one to pick up the phones/wallets from lost and found, and then the same officer was back to deal with the fired employee threats.
Also had one of the newbie bus driver trainees come by asking about how to sign up for the health insurance. He wasn't too happy to learn he had to wait til he'd been employed 90 days. He had apparently already canceled his other insurance (assuming Obamacare.) Did he not read the new employee information??
--
The last few months I've been having trouble keeping my data usage in the small bucket. It was looking like I was going to go over again this month as well. But somehow, someway I was kept in the small bucket! Which means $9 less than I had budgeted. Yahoo!
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Swagbucks was annoying me today. No bonus points on any of the apps, etc. But then I saw I'd had 60 points in coupon redemptions come in! Sweet! Now if only some more will come in on Thursday so I can get my 31 day bonus for sure.
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The new YNAB is being officially released tomorrow. Which means I have until Jan 31st to decide if I want to upgrade for the 10% discount price. I know I'll probably go for it eventually, but I don't really want to have to WAM $45 to buy it right now. Sigh ... maybe I'll come into some extra money in January. Maybe I'll get away with doing my taxes for free this year (I think I can do the state taxes at least on the state website - will have to check into that.)
If you are thinking about buying YNAB4 - you'll have do it today. By tomorrow you'll no longer be able to purchase it. (It still can be downloaded by people who already have a copy, it just can't be purchased.)
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December 29th, 2015 at 02:21 am
After all the hoopla about the 6 - 10 inches and big gusty winds ... Yeah, we maybe got 4 inches? I will say though, it is cold!
--
I cashed out for another AGC from PerkTv last night - about five minutes before NE came over. So, that adds $25 to my 2015 extra money total.
--
I somehow managed (I think) to not go into the next data bucket on Ting this month. Which means I had $9 to put in my Remote Starter fund in January.
This is a good thing because ...
I'm probably going to have to WAM from that December category to put into groceries.
I tried to talk NE into just using what we already have on hand (other than for the Martinelli's sparkling juice) for NYE dinner. He was really set on doing the homemade pizza. Sigh.
So I'll be getting a Chef Boyardee kit, cheese, and a Martinelli's. He's picking up the hamburger for himself. (We'll split the cost.) I already have mushrooms and pineapple.
---
My mini-goal 1 update =
So far, so good! My place was pretty picked up today, so there wasn't much cleaning/picking up to do. So ...I spent about 20 minutes working on my to shred pile. There's still probably about 3 days worth of 20 minute sessions left to go.
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At work today I didn't have a book with me and was desperately bored. So ... I decided to try to see if I could possibly get the Kindle app on my computer without having to download/install. It worked! So now I won't be quite so obvious about reading a book ...
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I'm in two Bounts challenges this week. One is the 50k steps by Friday, and the other is walk/run a 5k by Friday.
I've got about 17k steps so far, and am hoping that Friday will be decent weather wise so I can go for a 3 mile walk in the local park. That would be a cool 100 bonus points between the two challenges.
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It is SO cold in my bedroom/office. If I was planning on staying here another year (in this apartment) I'd invest in some weatherstripping or something. I put a towel at the bottom of the door (one that leads outside) but am not sure what to do about the windows. I think that's where most of the cold is coming from.
I can mostly cover up, but my hands are what bug me the most. I think I had fingerless gloves somewhere ...
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December 29th, 2015 at 02:20 am
After all the hoopla about the 6 - 10 inches and big gusty winds ... Yeah, we maybe got 4 inches? I will say though, it is cold!
--
I cashed out for another AGC from PerkTv last night - about five minutes before NE came over. So, that adds $25 to my 2015 extra money total.
--
I somehow managed (I think) to not go into the next data bucket on Ting this month. Which means I had $9 to put in my Remote Starter fund in January.
This is a good thing because ...
I'm probably going to have to WAM from that December category to put into groceries.
I tried to talk NE into just using what we already have on hand (other than for the Martinelli's sparkling juice) for NYE dinner. He was really set on doing the homemade pizza. Sigh.
So I'll be getting a Chef Boyardee kit, cheese, and a Martinelli's. He's picking up the hamburger for himself. (We'll split the cost.) I already have mushrooms and pineapple.
---
My mini-goal 1 update =
So far, so good! My place was pretty picked up today, so there wasn't much cleaning/picking up to do. So ...I spent about 20 minutes working on my to shred pile. There's still probably about 3 days worth of 20 minute sessions left to go.
---
At work today I didn't have a book with me and was desperately bored. So ... I decided to try to see if I could possibly get the Kindle app on my computer without having to download/install. It worked! So now I won't be quite so obvious about reading a book ...
---
I'm in two Bounts challenges this week. One is the 50k steps by Friday, and the other is walk/run a 5k by Friday.
I've got about 17k steps so far, and am hoping that Friday will be decent weather wise so I can go for a 3 mile walk in the local park. That would be a cool 100 bonus points between the two challenges.
---
It is SO cold in my bedroom/office. If I was planning on staying here another year (in this apartment) I'd invest in some weatherstripping or something. I put a towel at the bottom of the door (one that leads outside) but am not sure what to do about the windows. I think that's where most of the cold is coming from.
I can mostly cover up, but my hands are what bug me the most. I think I had fingerless gloves somewhere ...
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December 27th, 2015 at 10:14 pm
Patient Saver's post made me curious to see what my totals were for the year. This is really the first year I've actually managed to almost 100% of the time track my finances faithfully. I've been using YNAB since around 2006, but would go months+ at a time without tracking ...
So ... I think this will give me a good basis to start with at least.
I'm going to go with my biggest expense to smallest, then look at savings.
---
Rent - 5,160 - 430/month
Groceries - 2153.25 - 179.74/month average
This is a lot more than I would like to spend on groceries. I would like to get my average down to 150/month for 2016 - including any treat type foods. (This groceries figure does not include treats.)
Tithe - 10% of net - rent (This is what my dad, a pastor told me was a good way to figure for tithe.)
Medical - $1286.91 - 107.24/month
This includes an $800 ER bill from fainting in March. Here's hoping that there won't be any big bills like this in 2016! (Not included is the $700 of FSA money which was completely spent.)
Vacation - 974.88 - $81.xx/month
About $500 of this was reimbursed by my aunt for my CA trip. Most of the rest was from when my mom came out here to visit me.
Internet - 865.91 - 72.16
Ouch. Ouch. Ouch. I hate how much I am paying for this, but unless I gave up Internet completely, it is unavoidable. (Nothing cheaper available that has WiFi.)
Restaurants - $545.42 - $5.45
OH MY WORD! This is an entirely ridiculous amount of money to have spent eating out / fast food places. $35 of it is for a restaurants $200 credit, but still. Way too much money. My goal in 2016 is to not eat at fast food place or restaurants unless I'm with someone else. Hopefully this will cut this amount down a lot. (Plus using the $200 credit for gift certificates.)
Electronics - $463.38
Thanks to losing my phone this year ... plus a couple cheap smartphones for PerkTv use, etc.
Electricity - 452.54 - 37.71/average
Giving - 451.80 - 37.65 average
Not as much as I'd like to do. For 2016 I've added two new categories to up this amount a little.
Car Insurance - 433.60 - 36.13 average
Household - 419.23 - 34.94 average
This includes $100 to the housecleaner UGH, plus replacing shower curtain, etc. Cleaning supplies, new to me loveseat, bookcase etc.
Treats - 397.69 - 33.14 average
I think I actually spent more in this category than this that got "lumped" in to the groceries category ... Really need to get this one WAY down.
Gym - 395.63 - 32.97 average
Sigh. I signed up in March and by September pretty much have stopped going. I have a two-year contract - I really need to get over there and see what it would cost to get out of it. Or somehow get myself going there again.
Kari - 337 - 28.08 average
Stocking up on cat food/wet food/litter, replacing litter boxes/scoops, license fees, etc.
Auto Fuel - 326.84 - 27.24 average
Not too bad I guess. This includes several extra tanks in March when I was driving back and forth from the hospital for NE.
Phone - 321.69 - 26.81 average
This includes the ETF from ATT and several months of no phone bills due to Ting credits.
Car Care - 312.11 - $26.09 average
A couple of oil changes, transmission fluid, wiper blades, etc.
Natural Gas - 306.50 - 25.54 average
The sad thing is that there is a $14/month "customer fee" irregardless of actual usage. So really the lowest possible to get this would be about $18/month. And they are talking about raising the "customer fee."
Clothing - 193.51 - 16.13/average
This is two pairs of shoes for work/church, bras, new pair of jeans, and misc. items throughout the year.
Car Tax - 175.09
Yearly car tax
Beauty - 154.26 - 12.86 average
The majority of this is from my treating my aunt and grandma to a mani/pedi at Thanksgiving time
Gifts - 83.01 - 6.92 average
I actually spent more than this, but was able to use Amazon money to pay for most gifts.
Miscellaneous - 80.85
This includes library fines, and other small things that don't really need a category.
Tax Prep - 34.98
This will be less this year since I only have to do one state's taxes.
Entertainment - 15
Bought a CD from a concert
Movies - 10
Two movies (matinees)
iTunes - 6.41
A couple of apps
Savings:
7% of my gross salary is automatically deducted to my 401b, plus a matching 9% from my company.
On my own, I also put $2500 into ROTH savings.
Between cash savings, retirement savings, stock growth, etc., my networth went up roughly 20k this year. (At one point it was up much, much, much more ....)
So .. of my total income this year, I kept ~18% of it, plus the ROTH savings, plus the 7% which was automatically taken from my paycheck.
So, a rough estimate of my savings rate for the year would be about 35%. Not great, but not horrible either.
2016 will be interesting because I'll hopefully be saving a LOT more until August, but then will be spending a HUGE chunk around September.
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December 25th, 2015 at 03:18 pm
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December 24th, 2015 at 01:45 am
I know it's not quite to the end of 2015, but I don't think I'll be getting any more snowflakes this month. I'm not sure if I got everything possible - I kept changing how I recorded things, so I may have missed a few things.
Here are the main sources of extra income this year:
Achievemint - $100
Bing - $105 (including a $5 cashout in by next week)
Checking Bonuses - 300.00
AmEx bonus - $250.00
DataXCoup - $14.90
Discover Card bonus +some cash back - 83..90
Interest - $104.39
Ebay / cash sales -171.02
iBotta - 47.25
MobiSave - 19.60
Pact - 130.00
Perk - 150 (I think there was more - but can't verify)
Pinecone - $102
parking lot job - $137.13
SavingStar - $5.16
Class Action - $29.23
Bounts - $10
Walmart Savings Catcher - 5.18
YouGov - 100
Swagbucks - $720
ReceiptHog - $10
Walgreen's Balance Rewards - ~$70
MyPoints - $50
$2714.86
When they say that every little bit adds up, it does! I actually hadn't realized that I'd made so much with Swagbucks this year. Wow.
I'm thinking of doing a fresh budget in YNAB to clean up some of the payees / categories for 2016 - so hopefully I can also make it easier on myself to track extra income.
---
I also was looking at my networth from January til now. It had some amazing highs (namely when one particular stock was nearing $300 ....) but overall has grown roughly $16k.
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December 23rd, 2015 at 01:18 am
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December 22nd, 2015 at 12:21 am
After several failed attempts to pick up my afghan from the FedEx drop off, I finally have it home. It is quite lovely I think and warm too.
My aunt made this for me with yarn I picked out when I was in CA over Thanksgiving. She's taught herself how to knit entirely through youtube videos.
Here's a pic (with Kari photobombing of course.)
---
So I finally got a sort of non-auto response reply from restaurant.com regarding my $200 credit. This after three exactly the same auto responses.
It basically said to reply to this email if your issue hasn't been resolved and we'll escalate it. So ... I replied and now I wait.
---
NE and I were taking stock of what we'll need to make 5 rum cakes (he's decided he wants to take one to work.) What it boiled down to was we'd need another bottle of rum. Ugh. That stuff is expensive! The pecans also aren't going to be cheap ...
At least I already have pretty much everything we need for the tater tot casserole on hand (except the particular brand of veggeburger he wants for it.)
Even splitting the cost .. my grocery budget is going to go over.
Oh well, January I will do better!
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December 19th, 2015 at 04:10 am
Thursday when I got home from work I was SO hungry and SO cold ... but I knew we were going to be eating out, so I didn't want to spoil my appetite.
So .. I bumped the heat way up (it was COLD) and did about 20 minutes or so of cleaning/picking up. Then I started getting ready - actually putting on makeup! and actually fixing! my hair .. :big grin:
My manicure from when I was out in CA was still good on my left hand, but several of the right hand fingers were looking pretty sad. So ... I spent about 25 minutes taking the polish off. Then, just as I was finishing the second coat of polish, NE called saying he was on his way over! Uh ...
So he came over and I finished getting ready. Then before we left I used a coupon code that had come in my email from Restaurants.com to get a $25 gift certificate for $4.25. *Still have not heard back from customer service about my missing $200 credit!*
The fancy restaurant we went to is a repurposed home built in the late 1890s. The restaurant itself has been in business around 22 years. It is really beautiful inside the home. I kind of wanted to explore it, but thought that might be a little unclassy ...
A few minutes after we were seated, our waiter came by to get our orders. As soon as I mentioned that I was vegetarian, he went and got the chef! to come talk to me. The chef (who turned out to be the waiter's dad) sat and talked with us for at least 6 or 7 minutes. I think he was a bit flummoxed when I told him I didn't like spicy foods... When I told him that I do eat eggs, he was like "Oh, a fake vegetarian." LOL! (It was especially funny because NE teases me almost along the same lines.)
A little while later our entrees were brought out. OH MY WORD! The dish the chef created was this HUGE mound of spinach linguine with lots of veggies. I mean HUGE. I ate as much as I could last night, had some for lunch today, some for dinner tonight, and have enough probably for dinner tomorrow too! It wasn't the best tasting dish I've ever had, but it was pretty good.
The cool factor was mainly though that the chef came by personally to figure out what to make for me.
I wish we could have had someone along to take a picture of us outside of the place - very nice backdrop. Oh well..
---
So far so good with my mini goals. I've been getting in a lot of practice with Oh Well at work. I also have been making sure to get some cleaning/picking up in each of the past 3 days.
---
I cashed out for $12 from Pinecone today (thanks CCF and LibLady for alerting me about the $3 status!)
---
I think my afghan came from my aunt today - but I had to arrange delivery to a closer pickup spot for tomorrow. (Otherwise I'd probably never get it - since they like to come at 9 or 10 a.m. on weekdays ...)
Speaking of deliveries - I'm still waiting on the package from my mom - with birthday and Christmas gifts. She mailed them a week ago Saturday - I'm the only person who hasn't received their package yet.
It could possibly be in my mailbox right now ... but of course my mailbox key isn't working again! I stopped by the PO to mail my mom's package (I know, procrastinate much ...) and went to the window to ask about who I needed to talk to. I was told that it was my property managers job to take care of it.
So ... I made the dreaded call and spoke to PMs wife She said she'd have him take a look tomorrow. (Hopefully NOT a look in my apartment ... much better, but still needs work.)
I really do not like the cluster mailbox thing where you have to have a key to get your mail ... (Key was working just fine on Wednesday. But on Thursday neither I nor NE could get it open.)
---
My boss and I were talking yesterday and were discussing the person who retired from my position. I mentioned to her how I've had several people bemoan the fact that I don't decorate for all the holidays/dress up for Halloween, etc. She told me she was GLAD I don't do that. What was really funny though was that about 15 minutes after she left, one of the main bemoaners came by to buy a pass!
I'd also said something to her about how it seemed like finally after nearly 1 1/2 years that people have accepted that I'm a stickler for following policy (previous person *wasn't*) Then ... today I have not one, but TWO different people challenge me on the policy. Oh brother!
(For low income passes the only requirement is to show a photo id - plus only can purchase one pass per person per month - this gives a %55 discount from the regular fare pass. The policy used to be much more involved - people had to sign a log with name/address. Then before that they had to prove their income with bank statements/tax returns, etc. So it's NOTHING now - just a photo id!)
--
So anyway, I'm glad for the weekend.
On Sunday NE and I will probably do some shopping for our Christmas dinner / Rum cakes. He wants to do 4 this year. 1 for his sister, 1 for his friend, 1 for us, and 1 for a mutual friend.
Thankfully we have plenty of rum left from last year (that was the most expensive thing we bought last year!) He's probably going to come over here early on Christmas Eve to make the first two - since I won't get home til at least 4:45, and the CE concert starts at 6, then we'll be doing C lights looking.
We're doing tater tot casserole (vegetarian) for Christmas Dinner. I know, not exactly traditional, but he really doesn't want to do a vegge dinner roast or tofurkey. So ... we compromised.
---
I need to update my sidebar - maybe tomorrow.
---
I finally managed to get a doctor's appointment set up for the end of January. It took two days of calling during my breaks and leaving voicemails. But it's set up now. One of the things I'm hoping to do is have the doctor write me a prescription for Allegra D and Flonase so that I can use my FSA money for them. I'd much rather use pre-tax money for that stuff than post-tax .. or maybe pay for it with my regular card, then get reimbursed - so, pre-tax plus cashback.
Anyway, it's past 10, so I should be signing off here. (In preparation for that mini-goal ...)
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December 17th, 2015 at 01:35 am
Thank you everyone for your birthday wishes.
It was a pretty low-key birthday ovearall. Tomorrow night NE and I will be going out to a fancy restaurant here (still working on the gift certificate problem ..)
NE stopped by between deliveries to tell me happy birthday in person.
---
So ... what are my mini-goals for year 40?
I've been thinking about a lot of the different goals I've had, and how I've managed to do some .. for awhile, and others not really at all. I think maybe part of it was that some of the goals were too big / too much all at once.
So .. I decided that I'm going to try doing mini-goals. I'm going to choose one or two things to focus on for 30 days (or so) and not worry about the rest. Then if those goals are doing well, I'll add something new.
I'm hoping that by doing it this way, the mini-goals will become deeply ingrained habits.
So ... here are some of the mini-goals I'm thinking about:
MG1: Do something for 15 minutes (or more) every day that helps improve my environment. (Cleaning, decluttering, putting up pictures, etc.)
MG2: Say "Oh Well." When someone does something that gets you flustered or upset, or you're thinking that you'd really like something (junkfood) but know you aren't going to have it ... say "Oh Well." That's their problem / I'd rather be healthy / I'd rather have the money for ....
MG3: Do something active for at least 15 minutes everyday intentionally.
MG4: Do something for your spiritual health at least 15 minutes a day (read the Bible, pray, memorize verses, etc.)
MG5: Do something for your personal growth at least 15 minutes a day (play the piano, use Duolingo to practice Spanish, etc.)
MG6: Do something for others at least 2x a week (work on church library, volunteer, etc.)
MG7: Connect with others at least 2x a week (email/letter/phone call) Have at least 1x a week be someone different than the week before.
MG8: Turn off computer/phone by 10 p.m.
MG9 - Floss every day before going to bed.
MG10 - Give yourself a manicure or pedicure once a week.
Others may be added as I think of them.
---
Financial Goals:
Main Financial Goal - Make spending decisions based on category balances only.
I have 3 main savings goals for this coming year -
High Priority - House Downpayment. This is where my regular savings, 90% of Windfalls (bonuses, tax refunds, SBs paypal earnings, survey earnings, etc.) will go. I'm hoping to hit $4k by September, and then probably sell up to ten shares of stock to add to the amount. (Goal of house purchase in September. Starting the process in August.)
Medium Priority Car Replacement - This will be getting a set amount of $50/month til #1 isn't needed.
Low Priority Remote Car starter - Leftover amounts in groceries, gas and utilities will be funneled here. (Would like to have $350 by September/October.)
Other Goals/Decisions:
I am no longer going to be purchasing ready made treats/sweets for consumption at home or at work. I can purchase the *ingredients* to MAKE treats for myself (such as chocolate chips to go into cookies) but not store-bought cookies.
Eating out / Fast Food is only going to be something that happens WITH another person.
Soda is an OH WELL item.
----
Today I started with MG1 and 2. (My focus for the next 30 days.) When I got home from work, as soon as I changed into something warm, I spent about 45 minutes picking up, putting away, throwing away. The place already looks much better. (It will need several more days of 15 minute sessions to be looking "good.")
I'm hoping I can develop the attitude (in my mind at least) of Oh Well at work in dealing with some of the people that whine and complain. That way maybe I can deal with it for 15 more years.
The Oh Well is also going to be replacing my habit of Coke and Chocolate on stressful days. Oh Well - the day stunk like donkey balls - I'll live another day. (Thankfully there are quite a few short weeks in this coming 30 day period which hopefully will help make this habit easier to form! )
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December 15th, 2015 at 01:09 am
So ... I had lots of ideas and plans for year 39. Those plans and ideas worked about as well as most New Year's resolutions.
Nevertheless, a new decade of life means maybe plans and ideas and goals can be a bit better off than just another set of resolutions. We'll see I guess.
Financially I did okay. As of now I have quite a few LTP (long term planning) funds fully funded and have started on the Car and House funds.
Health/weight wise ... um ... If I remember what I started at last December ... Well ... I pretty much maintained I guess. I pretty much haven't been to the gym in at least 3 months (although I have been exercising - just not at the gym.)
Friendship wise ... While I still don't have anyone here I "hang out" with outside of church activities, I am a little more involved. Maybe eventually that will lead to something. Someday.
Relationship wise .... Mostly good, with some frustrations that rear themselves at times overly much. But that generally tends to happen when I'm way overtired.
Job wise - Most days/most of the time it's ok. I have a great boss, and a couple co-workers I also like. The co-workers who were causing drama before have pretty much completely laid off. So ... it's tolerable.
It's definitely helping being able to take time off now and then to get away. Like today - I took off to have a long weekend as my birthday present to myself. Although I might have taken today off anyway because Sunday I did something to my back, plus feeling miserable cold/allergies. (My back is feeling better tonight, as are my cold/allergies.)
--
Yesterday NE and I went to the local urgent care place because NE had a finger infection. (Most likely from him biting off a hang nail ... When I asked him if he was going to stop doing that - Why? 1st problem in 49 years? - Ohhhhkaaayyy.)
While we were waiting for his prescription to get filled, we went over to SuperTarget. I had $2 coupons for cat litter (Scoop Away 25lb) plus the Savings Catcher had 25% off it. I unfortunately forgot my Red Card though - asked at the front desk and was told to bring my receipt the next time and they'd make an adjustment.
Of course ... I wasn't used to having NE along on a shopping trip, so I also spaced using the coupons (but not the savings catcher!)
I went back to Target today and was able to get both the 5% adjustment and the $4 in coupons! (I also bought a 3rd box with a coupon. Kari is SET for litter for a long time!)
--
While I was out today I also stopped at Walmart - mainly to pick up a few iBotta items - definitely things I'll use, but didn't need right now. I also was really wanting to find a Terry's Chocolate Orange .... no luck. Stopped at a few other places too. All sold out.
---
I cashed out for $20 from iBotta today, and also for $25 PayPal from Swagbucks.
---
I got a postcard from my doctor letting me know that I need to schedule a baseline mammogram .... Oh the joys of my new decade. I was going to do it today, but then realized that I don't know what my bosses schedule is like ... so need to get that info first.
---
My aunt (who Thrifty Ray has met) has really gotten into knitting since retiring. While I was in CA over Thanksgiving she made me slippers, and had me pick out the yarn for an afghan. She texted me today to let me know that it was finished! I might have it here by Friday. So cool! (Or should I say, so warm!)
Now that we can post pics again, I'll post a picture of it when I get it.
---
If I'm on the upward mend of this cold on top of allergies thing, then hopefully within the next few days I'll have the energy to get my apartment back into shape. I'd really hate for the property manager to come in right now ... (not dirty, just really, really cluttered/messy)
---
Oh! I almost forgot. I logged in to restaurant . com today to buy the gift certificate for the fancy place NE and I will be going to on Thursday night. Only to find out that my $200 credit seemed to have completely disappeared!! I checked on Living Social to make sure they hadn't reversed the offer I'd purchased or something ...
I wrote customer service and got a form reply telling me how to redeem an offer. Ugh! I replied ... nothing back yet.
SO VEry Aggravating. (I bought a $200 r.com gift certificate for $35 from Living Social. I hadn't used any of it yet!)
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December 13th, 2015 at 12:50 am
Well it seems like I have developed a cold on top of my allergies. Ugh. So having Allegra D (24 hr) and Flonase in my system daily, and STILL sneezing, sniffling and coughing ... not much else to do but tough it out.
I've been incredibly tired and having a hard time getting myself to do anything I don't absolutely have to do. So ... the robe that I was asked to mend near the end of November ... which was needed by today ... guess when I actually started on it? This morning about 5 a.m. I finished it about 8:30 a.m. (Reattaching braiding on edges in places the cloth had pulled away, and sewing armholes together to a less huge gap.)
I took it with me to church today and gave it to the lady in charge of costumes (it's for a drive through Nativity tonight.)
Church was awesome - it was the spoken/musical Christmas story week. I think this year's story was based on a TransSiberian Orchestra musical? (One of the songs was Music Box Blues, the rest were normal Christmas sonts - i.e. Silent Night, etc.) I wish I'd been a little more with it/not so sleepy - but still very much enjoyed it.
---
I did not go to the Friday night concert. I realized by Wednesday that I just would NOT be up to it -plus I had that darn robe to do! Part of it also was that I didn't have any money set aside in a concert category - my fun money had pretty much been spent between the Groupon pizza deal and the Living Social Restaurant.com deal. I need to make a separate category for concerts which is NOT to be whacked from for other things. Even if I just put a few dollars in it each month ...
---
I was looking on Amazon for a purse (mine is getting really shabby.) While on there I looked at my gift card balance. Ouch! I've been buying ebooks $.99 and $1.99 here and there ... and it's really cut into my balance! So ... back to my old rule of only "buying" the freebies!
I did find a purse that I think will work, but I'm going to wait until I have something else to order with it - free shipping. (The purse is $14)
---
Year 40 is quickly approaching. (Like ... Tuesday quickly. Yikes.) I'm thinking about some changes I'd like to make. Some health wise, some financial, one other possible major change ...
I found a house which would be so perfect ... $55k! Has a one-car garage, enclosed front porch, backyard, fence, basement (990 sq ft, 2 br, 1.5 bath)... If there's one out there now, then maybe in August when I can seriously start looking, there's bound to be another one - maybe even more perfect.
---
I got my $25 Walmart card from SBs on Friday. So ... I printed it out and went shopping. I had been thinking of getting an Ampore Pedicure device (had a $5 coupon plus a $5 rebate) but just couldn't do $20+ after coupon/rebate. Especially when I found something similar for $10.
After coupons I spent $44.xx total. Minus the giftcard, it was about $19.xx. I got $4.75 in rebates from iBotta, $.60 rebate from MobiSave, $.20 from Snap, $.25 from Checkout 51, and $1 from SavingStar. (None of which I've actually cashed out on yet though.)
I'm $.30 away from cashout on iBotta. I would have been over the cashout limit, but didn't realize one of the items required 2 purchases. Ugh.
---
I cashed out for another $25 AGC from Perk today. Will get that on Monday.
----
I did some more messing with my YNAB budget this weekend. I realized that my health insurance OOP is $2000, but through my FSA I have about $800. So ... I reduced that category to $1200 and spread the $800 into other categories.
I also eliminated another LTP category, which added $65 into the budget.
What this all means is that I'll now focus my LTP savings on 3 goals - House Downpayment, Car Replacement, and the Remote Starter.
Speaking of the Remote Starter - On Groupon there was a deal to get it done for $170 in O town. Less than half of the price I was quoted here. Unfortunately, there was only $23 in that category. Maybe that deal will come around again when I have the money ready for it.
---
Oh! If you remember me talking about the vegge hot pockets I made last Sunday? Well I had a good amount of veggie filling leftover.
Finally on Thursday night I managed to do something with the leftovers! I added a couple eggs, some more flavorings, and a box of Jiffy cornbread mix. Then I formed "patties" and baked them for 12 minutes at 350 degrees.
They are YUMMY! Even NE liked them (he wasn't too sure about my adding the Jiffy mix to the batter - but turns out it worked out just right!)
I really need to get the remaining hot pockets and patties frozen though ...
---
I almost forgot a funny from my grocery shopping ... two of the rebates were for loose carrots. It didn't specify a quantity. So ... I bought ONE loose bulk carrot. It cost $.10. 1 rebate was for $.50, and the other was for $.20. So ... I made $.60 profit.
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December 9th, 2015 at 02:13 am
NE and I went out for pizza Sunday night. I found a Groupon deal for $9 for $20 worth of food. The waitress was a little bit ... not with it. She wasn't very attentive to us, but when I got the check and was looking it over, I noticed a handwritten $1.75 on the bottom. Not even loudly, I said, "What's this $1.75?"
From across the room, waitress shouts out that it was the drink (NE's.) I figured that out almost as soon as I said it - but it being handwritten had thrown me.
(She'd forgotten to include it on our ticket at first because she thought we were getting the special which included a drink.)
--
I also bought a deal from Living Social which I think will be really good. It was $35 for a $200 Restaurant.com gift card. I already used $10 of it to buy a $25 gift certificate for a local fancy restaurant we're going to for my birthday. (It will be pretty easy to spend $50 there.)
--
There's a Steven Curtis Chapman concert here this week. I was really, really tempted to buy a ticket. $25. But ... I really didn't want to go by myself. Plus I just haven't seemed to pick up any energy - in fact I went home early from work yesterday.
I've decided to not go.
---
I did some shopping on Sunday - made back around $7 between ibotta and MobiSave. Spent about $35 grocery money and $20 cat money.
I also did some cooking. I've been buying single carrots and red peppers, etc., because there've been iBotta rebates on them - so wanted to use them.
I chopped up the zucchini, carrots, onion, broccoli, (actually put in the food processor ... )and then took two cans of Pilsbury's Grands and a can of Pillsubry Croissants (coupon/rebate deal) and made veggie hot pockets! Yummy!
Of course ... I still haven't gotten started on fixing the robe for the Nativity drive through that is happening on the 12th. It really shouldn't take too long to do, just have to DO it!
Other than Sunday, I haven't spent any money this week.
--
Hard to believe there is only one week left of my 30's. If what happened at work yesterday is any indication - my 40's won't find me being any less klutzy. (Dropped one of those big calculators and broke it completely. Offered to pay for a replacement - my boss told me not to worry about it.)
---
How many of you actually wear robes? I keep being given robes as gifts ... and well, I've never seen the point of them really. So ... they end up hanging around somewhere in my house for years, and then get given away. My mom is sending a robe for NE ... he isn't a robe person either.
Maybe if I was someone more into fixing up my face, etc. before getting dressed or something? Or if I had other people (other than partner) living with me?
Really, what is the purpose of a robe? Just curious really if I'm the oddball out on this one or not.
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December 2nd, 2015 at 01:21 am
I obviously did not stick with the moratorium on purchasing junk food/fast food this month. However, I did much better than previous months. So ... there is that.
Some of the spending comes from budgeted money / reimbursed funds. For example, I treated myself and my aunt/grandma to manis/pedis and to a meal out.
I also made the decision this month to make my larger "savings" category more granular. I had nearly the $10k goal amount I set for my EF - but decided to reduce it and spread it amoungst smaller/more specific categories. Some of the money in LTP is new, most is not.
I forgot my password for iBotta, otherwise I'd have another $10 in my extra funds (which would go into the Remote Starter fund.)
I did buy several Christmas gifts, but they were all covered with AGC money. I still have over half of what I started with left too.
Spending
Tithe - 10%
Charitable - 30
Rent - 430
Gym - 41.73
Groceries - 124.65
Phone - 25.80
Internet - 85.07
Natural Gas - 22.36
Electricity - 32.68
Fuel - 15.58
Medical - 12.86
Kari - 22 (license renewal, new scooper)
Beauty - 106
Car Care - 229.65 (transmission flush, wipers, rotation, etc.)
Household - 22.49
Vacation - 75
Treats - 28.17
Restaurants - 61.49
Extra Income
Walmart: Savings Catcher - $5.18
Perk AGC - $25
MobiSave - $13.75
Bing AGC - $10
Swagbucks AGC - $25
Swagbucks PP - $25
Pact - $10
Pinecone - $15
SavingStar - $5.16
Interest - $26.xx
Long Term Planning
01 Income Replacement (expenses only) - Funded
02 House Downpayment - +40
03 Car Replacemennt - +25
04 Car Deductible - Funded
05 Health Ins OOP - Funded
06 Vet Emergency - +611.70
07 Travel Emergency +611.70
08 Future - +$50
09 Remote Starter +9.89
10 New Computer +65
11 New Phone +65
P.S. Thanks everyone for your comments yesterday/today.
PPS - Work was pretty good today.
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December 1st, 2015 at 12:47 am
We had our first real snow last night/today! It was so beautiful this morning when I finally made myself get out of bed and going.
I wasn't sure I wanted to go out driving in it however .. so settled in for a relaxing morning. One thing I ended up doing was signing up for a 3 month Spotify trial for $.99 on Swagbucks - 300 SBs. I gotta say .. I like it so far. Not enough to justify $10/month after the trial, but I do like it.
Early this afternoon the snow started melting ... so I made myself get out and do some errands.
First thing I did was deposit the money my aunt gave me for my airplane ticket. (cash) Then I went to a credit union I'd opened an account at when I first moved here and closed out my accounts - $37.
That $37 wasn't accounted for in my budget (in fact, I thought I only had $35.) So I decided I'd let myself play with the money a bit.
That sent me to Walmart. The first thing I did was take a sample video cassette of each type to the photo counter. I found out it would cost $25 for each 2 hour length DVD -- plus I wouldn't be able to do any editing before hand.
I got the name of two other places in town where I might be able to both watch/edit beforehand AND transfer to DVD. If memory serves me correctly, the videos are going to need a LOT of editing ...
My first priority really are the slides though. The cost at Walmart for 40 slides/DVD was about $25. Ouch. I'd be roughly guessing here, but I think I have at least 3 or 4000 slides. And I only took the ones starting in 1977 - the year my parents got married (I was 2 yrs old.) I don't plan on using ALL the slides, but even if I culled 10% ... this may be a multi-year project. Multi-year Christmas gifts ...
I bought about $20 worth of groceries, etc. at Walmart (3 of which work for iBotta rebates.) It won't come out of my grocery budget though, since it was unbudgeted money.
I had about $13 left. Then I stopped at the library to return some overdue books. I walked out with about $2. Darn you library fines!
---
Question ... how would you react?
Every week I do NE's and I's laundry. He only has a few pieces of clothing he wears all week. So I add in my own stuff to make a full load. He provides the quarters. I provide the detergent and labor.
Last night after he collected his clothes from where I'd left them, he made a remark about our socks being mixed together. I was a bit miffed, and told him all it took was 2 seconds for him to pick out his own socks. He replied something about "should do laundry right." I told him he was more than welcome to do his own laundry if he thought I wasn't doing it right.
He thinks I was making too big of a deal of it. Notice - no where in there was any thanks for doing my laundry, etc.
To me, I don't mind doing the laundry. What irks me to high heaven is being told I'm not "doing it right" - especially when coupled with no expression of appreciation for my doing it in the first place. (He thinks he shouldn't have to tell me thanks since he's providing the quarters and I'm doing my laundry at the same time. Notice - he didn't do his laundry while I was gone - even though he had a key to the laundry room here and could've used my soap ...)
Anyway .. just curious about how other's might react in this situation.
---
So not excited about going back to work tomorrow. At least I have several holidays to look forward to this month.
Two weeks left of Year 39. Yikes!
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November 29th, 2015 at 11:36 pm
Well I took my list of what I wanted to get at CVS, Target and Walmart along with the list of what coupons and available rebates I had and went shopping.
I ran into my first glitch at CVS - they didn't have the 5ct Allegra D 24 hr or 10ct Allegra D 24 hr. I only had a coupon with me for those sizes. Ugh. So I ended up just getting a pack of Orbit gum ($.50 after rebate.)
Then I headed to Target. I couldn't find the bread I wanted, so I got a different kind. Then when checking the cereal out, I realized that the Any Cereal rebate was vamooshed! As was the Any Cookies rebate. Ugh. Both had been there as of 11:30 p.m.
I got out of Target for $47.xx - that was after coupons, Target discounts, and using the 5% debit card (which I got today.) Part of the haul included 2 Terry's Chocolate Oranges (which I have been looking all over for!) and two large jugs of Gold Peak Sweet Tea for NE (thank you gift for taking care of Kari while I was gone.) (I have to mention ... I managed to control myself and ONLY buy two Amy's meals. )
Next I hit up Walmart. I couldn't find some of the things I wanted (like Challenge Cream Cheese) but got most of what was on my list. After using $20.18 in gift cards ($15 from Bounts, $5.18 from Savings Catcher) and ~$7 in coupons, I walked about paying $5.47.
I'll be getting $4.50 back from MobiSave, $4.60 from iBotta, and $3 from SavingStar. I've submitted my new Walmart receipt to Savings Catcher - so will have to wait and see if I get anything from that.
I'll have to go back to CVS tomorrow with a coupon for the 10ct 24 hr Allegra D ($5 off) because I'm down to one left. I found two $5 coupons and a $4 one - all expire on December 29. I'm not sure how I'll be able to use all of them before they expire (unless NE decides he needs some Allegra D ... )
Other than the Allegra though, I think I will be done with spending for the coming week (outside of rent,etc.).
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ION - The great weight loss challenge ... I managed to lose 1 lb this month. Better than nothing, right? NE will weigh in when he gets here later - hope he's done better than me.
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November 29th, 2015 at 05:48 am
I got back to NE mid-afternoon on Friday. Been mostly resting and relaxing since then.
The trip went pretty well. As expected, my brother didn't come. So I ended up going through the shed with all of dad's things by myself on Tuesday. Tuesday night I FaceTimed with my brother so he could pick out what he wanted to send up with our Aunt.
I left everything out on the back porch - most of it was under a roof (one of the last projects my dad finished with a lifetime buddy of his.) Guess what? That night around 3:30 a.m. I woke up to the sound of RAIN!
I ran out to the porch and got everything under cover that hadn't been. A box of books got ruined, but that was the worst of it.
I spent a lot of time on Wednesday going through my dad's slides and trying to repackage them into smaller packages.
Part of Wednesday also was spent taking my grandma and Aunt out for a mani/pedi and out to eat (my treat.)
Thursday we had one guest for dinner. We had WAY too much food for 4 people. There was even a "turkey" - I think they got it at the Village Market (Loma Linda) - it looked like a real turkey - even had a hole where you put stuffing in! Weird.
I took home a LOT of slides and a few other things of my dad's. I had brought my biggest suitcase with the bare minimum of stuff in it. I ended up filling it completely, plus a large backpack of dad's AND a reusable grocery bag my aunt gave me.
Even so ... my suitcase weighed in at 55lb! Which meant a $75!!!!! overweight fee. Ugh!
My aunt lent me a machine to feed the slides into my computer.
I bought something on Amazon for a Christmas gift which apparently gave me a year's unlimited storage space on Amazon Drive. ???? I'll take it! I'm going to have a lot of photos and video's to upload.
That's the other thing I took - numerous home videos in two different formats, and a bunch of recorded sermons on cassette tape. I'm going to have to figure out how to get the videos into a watchable format.
My plan is to get everything onto DVDs and then give them as gifts to Mom, brother, aunt, grandma next year. Hopefully I can get it all done by then.
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Tomorrow I plan on doing some shopping.
I have $21 in Walmart gift card money. I also have about $31 left in grocery money. I also have around $50 in the Medical category (allergy meds!)If I get everything I'm planning on, I'll get back somewhere between $10 - 15 from iBotta, and $5 or so from MobiSave, and a $3-4 from the other apps.
I went through iBotta, Saving Star, MobiSave, SavingStar, etc., and also printed out a bunch of coupons. Tomorrow I'm going to double check the Target app because there were a lot of things expiring today.
I have a printed out list of everything I have a rebate and/or coupon for (that I want/can use.)
I'm looking forward to shopping.
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I redeemed a $25 AGC from PerkTv on Friday.
I completed my 5 months of spending $500 on Discover - so in a week or so I should get my $75 cashback bonus.
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I'm glad to be back, although I was glad I made the trip out to CA!
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