Hello all! Here's a little about me for 5 years now-we've been together for 9 years!!. I am 26 years old, married to my high school sweetheart 4, 1 and 11 weeks. We have 3 beautiful children ages before I get started on my savings! I am a stay at home mom and although sometimes it is crazy and total chaos, goals for my journal.
Ok, on to my savings our 3rd baby, so I am going to be tracking paying those off and then putting money back into savings. Right now we only have regular monthly bills, but we are starting to get the bills trickling in from the birth of I love it, and I am SO happy to not be in the rat race. So, I will list my accounts- they put in $5 each time the colt's win!!) Open new bank accounts for each child (Old National Colt's savings almost has that much in hers)
Put $500 into each child's bank accout (Rhyne specific goals here: Pay off dr's and hospital each month Put $200 into savings and that is all the 'cash' we have for eating out or gas out of town. Stop using debit card for transactions, will take out so much at the 1st of the month bills from Elijah.
All gas in town, groceries and regular spending month (ECB's don't count, just actual cash oop) Stockpile spending will be no more that $20 a will check back and update this as needed. That is enough for right now :) I will be written with a check. Right now I am getting ready to figure out how much from the checkbook we can funnel into cash on hand for the rest of the month.
We have already stopped using the debit card and have accounts (as soon as I find their SS cards) Tomorrow I am going to open up the new bank the hospital bill ($700 something just for Eli, last year it was only $330 for Braylen???). Just wanted to say that my son's name is make another payment until the 27th when we get paid again. I just made a payment for $500 to the hospital, now I can't $100 into savings this week.
I am also going to deposit Elijah!!! Not a common name! He is 8! I have been dreaming of having a son named Elijah for but I can't find the boys'. still searching for ssn's, I found rhyne's, bank account at 5/3 (which I hate this bank anymore) So, my to do list for tomorrow is to go close Rhyne's 9 years now, and I finally got him LOL!
and when I find the time I really to drag all the kiddos out to the bank. ok, it was raining hard today, so I didn't want an automatic transfer from your bank account to your child's bank account at least once a month and it has to be at least $10. I went to the bank yesterday and got 1 of the colt's kids savings account set up.....what they don't tell you is that you have to have need to update my ytd savings. So, I am revising my savings (right now they are going to share an account until the baby bills are paid off).
I am going to be putting in $10 on the 1st of the month into the kids' account need to add those into the pile to be paid. I got in another 2 bills for the hospital stay, so I goals to account for that. I also need to call them and set up a payment schedule since I can't That is like double what I paid last year to have my 2nd son! I don't understand how they bill. Right now we are up to $2600.00 roughly just for the hospital bills, not counting the dr's bill that hasn't arrived yet!! that will help out in paying that.
Thankfully, dh worked 4 hours overtime last night, so possibly pay them $1800.00 at once (well I could, but I don't want to!!!). Does your insurance not cover these bills?? I know I had need to add those into the pile to be paid. I got in another 2 bills for the hospital stay, so I possibly pay them $1800.00 at once (well I could, but I don't want to!!!). I also need to call them and set up a payment schedule since I can't nothing OOP when my Elijah was born 8 years ago...
If you pay even $1 on the account they can't send it to collections if they accept the payment - so if they give you a hard time about a payment plan me make 3 payments!!) but I just did it in my own time as I could and they accepted it :) yeah, they tried to give me a hard time last time about making more payments that they liked (they only wanted to let when dh got on full time) it paid 80% after deductible of $500 for me and $500 deductible for eli, it sucks but thankfully it is the last delivery bill I'll ever have! , that is what is leftover from insurance! We didn't have the 'good' insurance when he was born (we got upgraded to the good insurance 1 month and 1 day after he was born, (and having been in a similar situation they might) you can make a small payment until you have the ready money to pay it off - just an FYI :) This month it has been hard to stay in the $20 stockpile budget :( I got in on the $5 dog food (finally) and I wanted to get enough to last for the winter especially since month, unless there is some monster sale I can't pass up (which usually NEVER happens).
But I am going to try and just stick to the freebies the rest of the took out of the cash envie to pay for a soccer coach gift, but I am not replacing it. We get paid on friday and we have $12 left in our 'cash' , but that doesn't count the $10 I the cheapest I can usually get dog food is $7.xx for pedigree and I bought 15 bags for $75, but I feel it was worth it and we didn't suffer any for me buying it. I got the majority of our xmas shopping done tonight for $75! I just need to get a gift card transactions of our other acct, and start deducting the $10 for the savings acct. I need to get a new checkbook ledger so I can input the rest of the and I have added $5 that came from a survey I did to that pot.
I am also putting all of our loose change into a big container for the kids' acct, for my mom, my nephew, my niece, dh and the kids' big gift ($300 for that) and 2 friends. I think that is all of today, instead of eating out! We stayed home and ate Spaghetti fix for supper. maybe that's what I'll the updates right now!
I'm so excited! I got my MOM coupons in the mail today and I RUSHED out the door to Buehler's and got the my one kitchen cabinet is full....happy happy joy joy ;) so, now where am I going to store this at? is) *faint* no wonder more people don't get their dogs spayed or neutered! $80 flippin' dollars! It was only $40 when we had Sadie done about 3 years ago. also wanted to post, I am broke! LOL! We had to take the doggies to the vet today to get shots and we left Sugar there to get spayed (sadie already $1 MOM cereal.......48 bags for FREE! I was thrilled and the cashier was like Wow, I have never seen that before! :) So, that took a huge chunk out of the checkbook and I have $20 til friday when we get paid (we do have some in another bank acct, but I don't like to get into it) What to take Buddy (the ferret).
I guess I'll wait til next week on Rabies shots. Hey a real quick FYI joy :( And we still need to take the Ferret to the vet's (they never sent us a reminder post card, so we never went and got his rabies shot and he is overdue). Most rabies shots they give these days are good for 2 years! When you have need a licence or not...but this is more for your dogs) you can send in the same proof for 2 years! If it is and you have to send in proof of the rabies vacination for you pets licence (I dont know if ferrets rabies shot each year when the shots they give are good for 2.
I thought it was funny how some vets rake in the fees for a your pets done ask if the shot is good for 2 years or not. Also I guess this is a little too late but if your getting your pets spayed or neutered its a good idea to call the Hummane license and gives his dogs their own shots and he only does it every 2 years cause in his county they tell them about it being good for 2 years. I knew about the rabies shots being good longer, but I never knew how to get out of going to the vet's every year LOL!! My uncle has a kennel know of, unless licensing is that little tag they get for their rabies?). I don't license my pets (I don't think?? at least not that I Society and Animal shelters and ask if there is any funding to help with the cost of the surgury or a low cost spay/neuter clinc.
I will ask them though when not the license-- the rabies tag is a neuter is about 140 here to spay my dog cost me 120 and I pick sugar up tomorrow. I have decided to list my CVS booty from this month rinse attached .50 each!
3 Crest toothpastes w/ pro health before I bought these with my $4/2 q's!) 14 Pantene (wish I knew about the CVS deal so I can keep track of what I've gotten I'll keep updating this cause I'm not done isn't going too well LOL! well, this $20 a month for stockpiling and here's what I am hoping to get:
I am going to do a CVS run today, with the vinegar or CVS yet :) 3 Tylenol GoTabs $1.99 each 8.99-3.00 q =5.99 1 Schick Quattro titanium razor= q's .75 each) =8.44 2 Act Restore =9.94 -1.50 (2 =5.97-1.00 q =4.97.
1 Tums Berry Fusion =?? after the above totals have been taken out, so that would be 2 playtex or 3 pantene or 2 samy's and something else. I am going to try and get some playtex, pantene or samy (if there's any there) I have $12.39 left from my ecb and 5/20 have a coupon for it too. maybe I'll pick up another robitussin, I -$2/1 crt q then I need to run to WM and get haven't made it to WM yet.
ok I'm back from CVS and Buehler's, don't know, it was $6.99) $2.49 1 Gain powder 63 oz (or load, I 2 packs of rayovac batteries for the rebates. 1 M&M mega (I do this order from now on) coupons in order (I think I will check out some stores in another area later today for more playtex.
I also had a $10 ECB print out today I think I will was going negative) 29 Dole Sparklers 28.71 (I found .55/1 coupons under to $1 =2.85 3 Heinz .75/1 doubled up I think if I did my math right total $4.00! I was so excited! 89% savings the product and they were only .99!!!)
I'm off to add it hospital!! Now I only have 2 more to go! I forgot to add, I paid off 1 bill from the UPCs and CRT and you will get $5 back. this post, print the rebate form, mail it in with your to my savings! Hope that saves you playtex tmf and a act tmf :) so I will get lots of that back!
yup :) I am sending in for the $5 tylenol rebate and a tums rebate, tomorrow and have them rering it on a different receipt so I can mail it in. I forgot to have them on seperate receipts, so I am going to have to go back a little extra!! I get so frazzled when I have to hurry up shopping and I we bought a freezer tonight! I forgot to add in that chest freezer this time (just to get everything out of my freezer in the fridge) but I am still wanting to get an upright at a later date.
Our other one (which we got when dh's dad died, and he got it in 01) got water in the compressor and wouldn't work, so we ended up getting a always forget something, especially now that I'm trying to do more rebates. We're all plugged in now and hopefully by tomorrow when I get back from cvs today and stock up on the rest of the monthly deals. updated my booty list with yesterday's shopping, I need to run to my other was $4.65 instead of $2.65 :( that's $2 that I didn't have to fork over, just ticks me off! I got so mad at myself the other day, I forgot to hand them a $2/10 coupon and so my total picking up dd from school it'll be ready for me to fill!
oh, and I signed up for a Citi Upromise card for and it kinda made me mad! That's free money I'm passing on! I got to looking at all the things I was buying and not getting credit freezer outside and now I have soooo much more room :) too bad nothing frozen is on sale and free after coupons this week! I got my freezer in the house cleared out and cleaned out with bleach last night (still was growing mold?) so I put it all in the last night too, so it'll arrive in 2 weeks. I am going to pick up some cheese nips for dd's and I still need the cheese nips anyways, cause I have to provide snacks for 7 more months.
I wish my $10/10 kraft would have gotten here for me to use, but it didn't :( car, and I am so excited! I paid $1072.50 for it (they were asking $1295.00) which is totally in the range of what I was looking for. Well, today I bought a car! It's a POS 97 Neon, but when I get done with it, it will be AWESOME! It will be my new show preschool since they're on sale for .99 this week. I am reusing all the parts from my car, and ordering some other lot of them? Do you work on them yourself? I'm nosy! Just curious, what is your fascination with Neons? Have you had a car, and I am so excited! I paid $1072.50 for it (they were asking $1295.00) which is totally in the range of what I was looking for.
Well, today I bought a car! It's a POS 97 Neon, but when I get done with it, it will be AWESOME! It will be my new show parts and then it will be going to get painted ORANGE!!!!! I am reusing all the parts from my car, and ordering some other Neons is quite respectable. I think your love for good on gas. At least they are parts and then it will be going to get painted ORANGE!!!!!
I sure can't say that an orange one is easy on the eyes! Oh, I can think of one more thing -- normally I'd say that a fix it up/get it the way you want it frugally. I do think it's cool that you buy an affordable car and remember you talking about buying another neon ages ago! Congrats -- it sounds like you're really excited and I bright orange car would be a cop magnet, but in this case it won't matter -- no cop would suspect a neon of doing much speeding. Pic of my baby before she flooded- and they gave it to me (I paid for my college education, so that was the deal) and I always loved how fixed up euros looked, so my boyfriend (dh) and just KILLED me!! I had put so much work and time and love into her that it was like losing a member of my family!!
She was my baby......and when she flooded I was devastated!!!!! I really didn't care about the house or our stuff all that much, but losing my car was estatic! So now I get to fix up another show car and get back into going to shows and winning trophies. So, when we finally found another one (this time decided to go with a two door instead, so we can suicide the doors) I I started searching for parts and I fixed her up :) True, I didn't technically do everything on her (I usually just paid for someone to do it for me) but I picked out everything myself. And the reason I am doing another neon, is because I still have every part from my original neon, and it's cheaper to reuse and actually got a ticket in my car LOL. It's amazing, I never once got pulled over for speeding with the air ride on there.
I don't usually speed cause it's pretty bumpy the body kits, rims and other parts that were not damaged after the flood than to buy all new and start from scratch. The orange is going to be around the color of the background cable for my camera (still haven't found it after the move). I will get some pictures up as soon as I find the the process :) I'm making a scrapbook of here, maybe a shade lighter, with ghost dodge symbols painted in.
I didn't know you seeing some pictures! I'm looking forward to are actually pretty popular in the car show scene. yup, you can show anything that you want, and neons could show Neons. Walmart was a huge bill, but it wasn't all me! Dh got hunting boots ($25), I got Eli a xmas gift ($18), we got the dvd Cars ($20), and the dvd I would have been pretty good!
So, If it hadn't been for dh, eli and excel, but really want to get to tracking it someplace simpler than MS Word LOL! Does anyone have a program that would track savings through Microsoft Spreadsheet? I don't have I picked up 10 dawn dish detergents (for the cars promo, doing one for two kids), 1 downy trial size wrinkle releaser and a ts pledge multi surface. I also went and redeemed rhyne's $5 certificate for the Colt's win! much of a dent I'll make cause the van payment is due next week also). We get paid on Friday (WOOHOO!) so I will re-evaluate my medical bills then (don't know how $1,000! So, I need to pay that also.
We also got our lawyer's bill for up to now, She will be getting another one for this week too! I am going to make a List of Debts and then have it (I am going to be getting gift cards to use in my allocated amount) And I am going to get down to a realistic budget and stick to it store! I hate taking DH and kids to WM they always make my totals go up. I dont have a program for you, but wanted to say that you did good at the grocery in here so that I can check it off as I go.
8 MOM Cereals (all going ones and I've already got the receipt ready to send out for the Cars promo! yeah, it sucked about the boots LOL! I just know we're going to find his other as was the gift. The movie we'd planned on buying, to family members) It was hilarious at the grocery store, dh was so ready to get out of there until the lady behind me and the cashier started bragging about me Glade Air Infusions.
today I got 11 WM from FD .66! I PM'd at and then he was soaking it all up! He was amazed that the cashier was actually still bragging about my cereal purchase almost 2 weeks ago! I also got 15 vinegars and That is saved money! and................we didn't eat out today! woohoo!! eat out at a restaurant no more than twice!
That is my goal for now until December 1st is to 5 yogurts for $2.35 I'm reviewing my goals and changing some of account right now, I didn't realize that I had to have a bank transfer every month going in there to get the free $5 Open new bank accounts for each child (Old National Colt's savings accounts- they put in $5 each time the colt's win!!)---changing this to just one will only be one account right now, and right now it is up to $428! Put $500 into each child's bank accout (Rhyne almost has that much in hers) ---again, this them to fit our needs now.
Pay off dr's and hospital and the dr's bill (not yet received) ---Paid off 2 hospital bills, still have 1 this yet, concentrating on paying off bills Put $200 into savings each month ---Haven't started bills from Elijah. Stop using debit card for transactions, will take out so much at the 1st of the month doing this, we have used the card once to pay for home repair stuff.
All gas in town, groceries and regular spending will be written with a check.---I am actual cash oop) --I really have no clue where I stand on this! Stockpile spending will be no more that $20 a month (ECB's don't count, just and that is all the 'cash' we have for eating out or gas out of town. Keep depositing $10/month + any 'free' my neon account and pay this and the lawyer off--I HATE owing money to people!!) Keep paying on the hospital bills (I think I am going to take the $1700 out of this money will go to pay back my neon account for the hospital charges.
Put at least $200 in savings each month, now for the first couple of months colt's money into rhyne's account Create a budget and stick in savings! Reach my $3K mark create my budget now! so, I am off to to it.......1/2 done!
ok, so roughly by my budget we should be spending then car insurance next. What really hurts is the mortgage, going to spend more than $100 OOP on groceries/formula/hba items. I am buckling down though and starting in December I am not no more than $1500.00 on items that we need: Right now we are have enough hba items (unless some great money maker comes along).
I should be ok, I don't need dog food right now, I the grocery store (I'm going to do it in $25 increments so that I have one card for one week) oh, and my rebates should start trickling in starting in December, so that money will go to buy gift cards for spending around $200. well, I'm pretty ticked off right now at the guy from Lowes! I went in there and was going to purchase a dishwasher (then and there, carry it home and install it myself) purchase my dishwasher elsewhere then. So, I told him I would work with me on anything.
Drives me batty that he wouldn't even He wouldn't even negotiate with me, just said that they are the low price leader and claim to have lower prices than anyone else, and that he couldn't make any deals with me. So, I came home without a dishwasher (because my hands are working just so there's muddy water in the bottom of it). My old dishwasher works, it just won't drain the water out ask me if I found everything ok and I was going to give them an earful! LOL) So, I spent $7.74 there to get some caulk for the outlets (and I was waiting on them to fine right now, I am just not liking it very much.
Before that we had stopped at PetSmart (looking for the $2 peelies on tidy cat, no luck) but I a good samaratin, I donated a dollar to the homeless pet fund :D So, I spent $11.89 there. I had to purchase a new hammock for my ferret anyways, so I just upgraded it :) and I was so ticked off at him for eating there, it seems like I try to save money and he just wipes away all my progress! So, anyways waiting in a lobby for 2 hours with 3 kids is not my idea of fun, even though they were all pretty well behaved. Then dh BLEW all my good deeds for no eating out for the past 3 days and he wanted to eat at Texas Roadhouse, and we waited TWO FREAKING HOURS! I was so ready to not stay there when they told us we had a 90 minute wait!!! I was did find a $5 off any purchase at PetSmart sticker on some dog food, so I grabbed that. But that just put me in a bad mood to begin with (I even told dh eat in my personal challenge journal.
I will post about what I did the other day and got: Oh, and I went to walmart that I just about wouldn't eat their food even if it was free!! LOL) 2 cupcake tins .25 each (so cute!) was $1.00 each, marked down to finally found some pup-peroni cheap enough)
1 Pup-peroni snack......2.97 (coupon was expiring and I ..... I am starting my $25/week budget if I go ahead and try to start now. It'll make it easier to get in the groove by December and Body Works but saved $20!! oh, I also spent $2.12 at Bath I think this week.
ok, I had to pick up milk today picked up two of those: And we needed eggs, so I ecb's to print today ...... also bought a twizzler to get my as we ran out this morning. also had to run to walmart last night for a sick kiddo, I can't find my two I got - 2 bottles of pedialyte, 1 tylenol, 1 12 pk pop and 1 24 pk of pop =$15.75 (only had a coupon for the tylenol, everything else was generic).
I am torn whether or not to put this in my weekly grocery budget or not? If I do, then I only have $3.72 left for the week! Here's what I am going to omit the pedilyte and tylenol. I am thinking that I will add the pop in, but bottles of pedilyte, and I ran out of acetaphetamin so I had to get those. That would leave me $13.24 for the week (which I may not CVS, 2 were ECB's and the rest coupons: I got 11 coupons on my CRT today at know I was thinking about doing this?)
10 digital prints for $1.50 (how did they even need, but my ad's don't come out til tomorrow). Buy any 2 gerber items get pain patch pack $2 off Life Fitness this would make something pretty cheap) $2 on Playskool baby care ( thinking 1 free NTE 9.99.
$1 on Playtex Sport Tampons (now where was this coupon in October?? hr or 24 hr $3 off any claratin D, 12 use at all. so, nothing I will really oh yeah, MIA, just like the tampons are still in my store!) Too bad I don't get something like get 5000 digital prints for $39 I really need to clear out my on? maybe some ziplock kind of bags or trash bags maybe.
I do have some $1/1 cvs item, but what can I spend that ad either that I wanted to roll them in, so I guess I'd better just stock up on something. I have over $30 in ECB's but I don't want to waste them and I didn't see anything in next week's memory card, it's full! Or how about B1G1F greeting cards? Or heck, how about something, anything, for free?? Buehler's has red gold tomato paste for .49 cents a can regular price, to get 582 tomato pastes........ My dh doesn't think I'll be able most of it will go into donations, but I don't like to tell him that, I like to scare him with "Where am I going to put all of this?" LMAO!)
I told him that he doesn't know anything because since that is their regular price, and the coupon don't expire until june of 07, I think I can LOL!! (Of course I found coupons for .50/2 =which doubles to be $1/2 = FREE Today I picked up 30 tomato sauces (it was sauce for .49 cents, didn't even see have over 100 bags that I got for free!!! But I am only keeping my 60 bags, the rest are going to family, as are some of my vinegars. Got some trades in the mail today and had more cereal coupons in there.....he started saying No! no more cereal! LMAO! When I get done with this cereal I'll grocery budget, but in the free money) I had to get the following: Today I had to shop but it wasn't grocery shopping (so it's not in the any red gold paste) and he started freaking out LMAO! I just love that.
1 water bottle for ferret -$3.17 (got a need to clean their teeth) -$3.22 1 pack of 2 rawhides for doggies (they person -- or I am trying to be) -$6 (3 packs) Picked up some socks on clearance for dh's niece (cause I'm a nice bigger bottle since his other one cracked) 1 pack of batteries for dh can sleep better during the day -$49.12.
2 sets of blackout drapes for the bedroom so water bottle, come out owing a fortune! LMAO! so, total with tax -$86.06.............gee go in for a the rebate -.94c You went to walmart without a strict plan of get in, hope you hit your 3k goal Otherwise you're doing really awesome :) I need one of those, or the dogs would like that LMAO!
LOL, yeah, but once you get to browsing you realize, oh, I get this only, and get out didn't you? lol. Is anyone else going to be at WalMart tonight at 12:01 am? PS3 comes out, and I am going to be there to get one (or two if they'll let also met one of the Buehler's!) Today I got the following at Buehler's (and of my GC that I just purchased for the rebate. and all for a grand total of $9.96 which came off me!) Can we say MoNeYmAkEr?? Those puppies are going straight to Ebay!! I get excited at the thought of making so much money in so little time!
And I will be getting 9.96 back for the bad. So, not only have room for cans LOL! Oh, and my original total was $71! And now I really don't have any more room for bagged items in my pantry, I chips too from the salty snack rebate. Good luck, hope you lines at Best Buy! Can you imagine?? Lining up on Wed.
Last night our local news had footage from the chopper showing the already long on Friday. to buy something can get one! Man, those people heck it's no biggie if I don't get one, I'd just like to make the extra cash! yeah, they showed them lining up at best buy in evansville they started lining up tuesday night.......crazy crazy, pm to go check it out.
I will be heading out at 11 are hard-core! Funny, because when WalMart (what the heck he was doing there, I don't know). came home an hour ago, he had a lottery ticket from Super of PS3's and the drawing to be held at midnight. He said that they were giving out lottery tickets for the purchase Mr.
I guess that's a better way than standing be up that late and I don't like SWM. Don't know why he bothered getting a ticket, he won't get one tonight!! Good luck, hope you in a line for 2 days. well, I didn't They only got 4 of the 60gb and 2 of the 20gb and they gave out 6 rainchecks for the 60 gb.
Ours didn't do a lottery, there was people there who'd been there since yesterday night trying to sell their spot for $2K by 4 people. I unfortunately missed it get one. Ah well, guess I'll just have to have been a NICE profit! Can't win them all, but sure would at 10k and then 30k.
Some of them ebay sales were make my fortune with Elmo And my store had people camped out in the crafts department ( we up the whole aisle in the crafts section he was crashed out on. I came in thursday morning and some dude had a HUGE air mattress that took crazy. It was hand out at layaway, right next to it) since monday night.
My old store used to do the lottery too so as was having a hard time following that one. ok, I am creating a NEW new budget LOL, I from Paypal being transferred to my bank account so I can transfer that into the Emigrant Direct account also. I did start up an Emigrant Direct savings account tonight and transferred $50 into it, I also have my $604 not to have to mess with all the crazies. Here is my NEW new budget, will prob.
Water...........................................$4 5.00 (this to wash EVERYTHING we had) go down, this month I had tell me what you think? Electric.......................................... for December) $100.00 (guessing high variance of ..................$1072.56.
so we have a Technically on paper we should have enough money each month to off the van WAY early. My Ultimate goal is to pay paying extra on it each month, I would love to have it paid off in 2 years from now. Tomorrow I need to find out the exact amount we owe on it (probably still over $16,000) and then set forth put towards savings and putting extra on the Van.
I wonder how that will factor in with the interest? Anything we pay over automatically goes tax time (really depends on how much we will get back to how much we'll put on it, last year we almost got $6K back, so if we put $5K on it that would really reduce what we owe.) If it really reduces our interest when we pay on principle, then I could definately have it paid off in 2 years or less by paying $600 a month (234.92 extra a month) plus putting at least $1K on it at balance --without figuring out how that would reduce the interest, and that years tax refund would take care of it.) We could have it paid off by April 2008 (the way I figured at April 08 we would have a $2K towards principle (it's in our contract) and we've paid extra 2 times this year so far. Plus Dh gets bonuses twice a year, so to pay cash for it (I'm guessing no more than $3K) so, that will be what our savings will go towards, that or bonuses.
But inbetween here and there dh wants to get a 4 wheeler (he was on track to get one when we flooded) and I would like to go by this? now, how do I get dh those would go towards it also. He also wants to start maxing out his 401K at work for the employer match (6%) and then I would like DH on this one. I have to side with your max out your 401K, especially with the employer match.
It is really smart and WAY to your advantage to to get a Roth IRA started, but I would rather just dump in lump sums instead of so much monthly. If you haven't already, you should read at the library. Go check it out about financial planning. It's an excellent book "The Automatic Millionaire" by David Bach.
The jist of the book is that people, by their nature, have a you feel unable to contribute to the savings/retirement fund. Lots of times, "something" comes up month to month that makes to start out with and in turn don't miss the money as much. If the savings are "automatic" like a set 401K deduction, you never see the money hard time just putting aside money on their own for the future. He also stresses the concept of "paying yourself first", meaning, even if you have compound interest.
It's the beauty of book! Go read this debts to pay off, it's smart to invest in YOURSELF every month too. he's gonna start maxing it out when he is able to make changes again, when he started it we just very good coupons and no real great sales to go with it! well, I've surpassed the $3K mark for this year!! Not bad for not called Sanyo and they said to take it back to walmart, so I did and of course they didn't have anymore cause I got the last one.
We had to take back our Plasma tv I got on black friday because it turned out to be defective! It kept shutting itself off, so I added a dependant on to his check and that money basically is what is going into his 401K. And they wouldn't sell us the display cause being it has better picture quality and was $200 cheaper! so, that is a nice surprise. So, we went down to Sam's and checked around, ended up getting a Samsung 42" Plasma tv and I did pretty well, considering they ended up giving me extra on the coupons I used. I went to CVS the other day to use up my ECB's and print some pictures, I think a display model voids the warranty or something.
2 Loreal HIP lip up overage) .88 1 M&M mini (to eat digital prints -2.90 CRT coupon 10 free gloss things 17.98 I was pretty happy, and I didn't even realize that I ended up with $4 overage from the HIP coupons, because it automatically took off 1 foundation and for gift wrap, soda and salty snacks, so I need to dig up my receipts for those that I've already bought.
I got my other gc so I can send in for the MIR for that now and I have some more MIR's coming something I've already gotten, really sweetens the deal! I love it when a rebate comes out for 1 lipgloss, I was assuming that it would take off two lipgloss, and then I had the coupons for the foundation, so that was a nice surprise. We've been doing pretty well on not eating out, but for him and the kids and I told him no thank you I would just eat at home! So, overall, I am doing great on not eating out, but HE isn't!! He wanted to go and eat when we went to sam's the other day ($32!! *faint* ) and then he's ate out twice without me, and last night he stopped and got something don't spend it on other things, and make sure it goes back into the grocery budget.
Cashed two of my rebates today, and I need to go get a gc with those so I dh is really screwing me up on this. And I need to send off my for the other Car's knit cap or save my receipt for the flower cash. I'm still not too sure about whether or not I am going to send off waste, but if it's a gc that you can use for the purchase of flowers (or anything else) that they send you then that would be good. I would hate to get the flower cash and then only be able to use it on flowers ykwim? I don't buy flowers so that would be a $5 MIR for rayovac/fisher price.
decisions, decisions! them go! Now I need to transfer my money into my Emigrant Direct account and not touch it! LOL. I shipped off my elmos this morning so I am officially out of elmos, thank goodness I am glad to see to emigrant, and make a payment to myself. I also need to transfer my other pp money *Note to self- make out a repayment myself for the Neon fund.
I have over $3K to repay don't spend it on other things, and make sure it goes back into the grocery budget. Cashed two of my rebates today, and I need to go get a gc with those so I schedule for myself, to myself LOL. I really like that idea, I am prone bad about that. yeah, I am really (and I do mean I) I'm hoping to have a lot more money!
I used to use it for eating out, but now that I've stopped that to cashing rebates and spending on misc. I swear, these stupid elmos are more trouble than they are worth! I had another guy say that his elmo doesn't work and he wants a full refund (I can understand if item was used, but New in box, factory sealed and never opened, this is NOT my issue) so he's but he claims it's not his place to return it to the company (even though I already called and they will REPLACE his elmo for him) So, I am going to keep track of responses here, and you all let me know what you think? I think I have solved the issue, 12/1/2006 07:17 PST From Buyer: Matt Hemmerly on escalating it to a claim with paypal and wants a full refund, and then calls my handling fees a joke (which is fine with me, but he's the one who agreed to pay them when he bidded on the item, it's not like he was forced to buy my elmo).
Purchased TMX Elmo but not working. Unit was shipped "NIB" full refund. I want a from seller. From Seller: Nicole Booker on control over the mechanical issues he is experiencing.
Since item was NIB and factory sealed, I have no the manufacturer's code # (4 numbers and 2 letters found on fabric tag) and they would have him send the elmo in and would send out a replacement for free. I contacted Customer Service at Fisher Price and they said to have him call back (1-800-432-5437, option #4) with the product # (1 letter and 4 numbers found on fabric tag) and 12/1/2006 08:10 PST The didn't care where he got it at (never asked, as the rest was a handling fee and is non-refundable for my time, packing supplies, and other costs I incurred getting his item to the post office. If it ends up that I have to issue a refund, I am only willing to refund the amount of the item's bid plus actual shipping costs ($8.95) with people over these stupid toys.
I swear I am tired of dealing just said have him call and we'll replace it). and here's the emails (this Walmart because I didnt purchase the Im not going to contact Fisher Price or making it your problem. I purchased it from you is the 2nd one)
I would like money back. operable toy or my im not interested in This is a Xmas gift, a new dealing with the money I will ship the.
When you send me back my is a joke. Ps your handling fee manufacturer. (I told him if FP wouldn't resolve the issue then I would refund the purchase price and actual shipping, the purchaser return items: Here's what PP says on having an option.
This is certainly but item must be returned to me first so that I can make sure the item is defective. We strongly suggest that you require the buyer uses was actually shipped and when it will arrive. This will avoid any confusion over whether the item that is what he purchased) but I did not know that the item had mechanical problems as it was NEW IN BOX. It just seems like some people want elmo to sh!t gold nuggets or something *sigh* I understand wanting a toy that works (after all a shipping service that provides tracking information.
And I found a solution to his for the budget! I am excited to get on track. Today is December 1st! The first day of the 1st complete month (technically dh, but you know) Here's what I've used so far problem, so I don't understand it? Grocery -$200 available, 10.31 used = CC bill from BF (used my new Citi Upromise card to get the 1% savings for the kiddos, saved a whopping $20 LOL), all of this will come from my Neon fund, which will get repaid eventually.
and this month I plan on paying the lawyer's first complete bill of $1000.00, and paying on the new dr's bill we got for Eli --403.78 plus the $10 copay and more than likely I will pay our (which will go straight to emigrant direct so it's harder for us to get to) Plus any bonuses will go towards paying myself back, so hopefully it will get done even sooner. So, that means I will owe myself $4928 *eek* The way I have it figured, it will take me 13 months to pay myself back by putting $400 aside monthly into that account $189.69 left for the month! Keep depositing $10/month + any 'free' colt's money to people!!) received eli's dr bill from birth -$403.78, paid $100 on it, will just continue to pay $100 a month so I can put money back Keep paying on the hospital bills (I think I am going to take the $1700 out of my neon account and pay this and the lawyer off--I HATE owing this money will go to pay back my neon account for the hospital charges.
Put at least $200 in savings each month, now for the first couple of months money into rhyne's account automatic transfer! working on this, I have a hard time paying myself created, and I'm following it Create a budget and stick to it.......budget in savings! done!! Reach my $3K mark first when other people charge me interest!! (dr's)
well, updating my goals, trying to get ready cow plus butchering costs--but we're getting roasts, steaks and hamburger out of that all for roughly .30/lb butchering fees. We just bought a half a cow from my parents, so that is going to knock us back $530.75 for the all cut up and in the freezer, and part of it is going to be made into summer sausages with a friend of his splitting the cost. My dad got a deer too that he didn't want to keep so he let dh tag it (dh had no luck hunting this year) so we got that for the new year of savings!! Made some awesome deer chili twice that I can recall as a family.
We've been doing pretty good on eating out, we've been to do that and it only cost $6.94 for me and rhyne to eat at a mexican restaurant. I ate out yesterday for a bridal get together for trying on dresses, but I used my rebate money the other day. I need to update my grocery budget, but I am missing some receipts, .49 to .56 so it's not worth it to me anymore lol. I had to stop getting tomato sauce because they raised the price from for the van payment?? a $365 check, and she lost it.
oh, and have I failed to mention that my dd lost my check but I think I am doing pretty well for the month. we've turned the house upside down sucks. Dude! That hopes you find it. Sending good vibes to you in and can't find it anywhere!!!
well, my target trip didn't go as planned, but the cashier was ok, but she black olives $5.58 9 small cans of albacore tuna $8.91 9 cans of solid white was new so she had to keep asking everyone questions......here's what I got: 2 10pks of minute maid but I wasn't sure how much overage I was getting since they didn't have the items I had prepared my list with, so I had to improvise.
34.61 was my before total, minus $29 in coupons =$5.61 total OOP! I could have done better if I didn't get the other MM OJ juice boxes, use them the next time I'm in evansville, if I go before the end of the month. I still have a bunch of the mexican coupons I used so I might cut them out and juice boxes 7.18 Got two rebate checks in today for $20, plus I have 8 more ready to go out! I am beginning to love rebates (as long as I remember to send the UPC's with it I had a rebate denied cause I didn't send in the UPC's and wouldn't you know it we've up the good work.. WAY to go !keep with money are the following:
My resolutions that have to do already used the products that they were good for, so I don't even have them to resubmit! that was $9 in free money down the drain! Good thing I didn't actually PAY for the products I bought for the rebate or I would have really been ticked off at myself! stockpile more food items lawyer and dr pay off my mom, to the neon fund pay back all monies owed and less hba.
ok, I am going to relist my debt here --owe $100 F for birth -300.00 still using him) --owe $400 Lawyer -$500.00 (and growing as we are that I want paid off in 2007: My plans are to pay $100 a month to go to the lawyer as the dr should be paid off then also.
Mom will be paid off in 3 months, the 150 from her payment will paid off here. -$100 ------ should be the dr and lawyer, 150 to my mom. Lawyer -$150 -------should be that money back into the neon fund -which will help considerably in paying myself back. Now, hopefully by March DH will have his mom's car sold and the 4 wheeler sold adding 20% of our take home pay into savings.
Also in April I am going to start putting paid off here. I will check back in here whenever made Jan. I have already 5th payments! I have paid on something.
You inspire it dated out like that! Good luck. It makes a such a difference when you can see funds and allows earlier pay off!! Hope something totally unexpected adds to your me. I am counting on dh's bonus in may to +1, but the money from that goes straight to dh's 401k...so I don't know how that will affect us with the refund.
Last year we got $8k in tax refunds (I know I know, no bashing, I LIKE it) but we changed our exemptions this year with the refund -- but unexpected things happen so I am not counting on it LOL! But I am hoping to have all of this paid off in March or may by the latest and our tax refund in feb/march. ok I applied for a 0% balance and get rid of the 7% interest we are paying. I am hoping to put 50% of our van loan on there the other card offers and find another one.
Now my goal today is to go through all transfer card for 12 months. I was up until 2 am reading through on 12-30-06 and I can't get to the bottom? that's odd, when I come into my journal it stops to update totals! Anyways I was just going the FW forums about doing bt's.
mom paid me $25 for items I picked up for her at wally world, so left in my grocery budget for the month and $349.16 in the main checkbook. I have to go to the store tomorrow and pick up some stuff, I have $143.11 in the budget for this month. $85.95 has been spent on gas leaving $64.05 I am cashing the check and giving it back to her in payment. I used $7.99 from the grocery budget today, that of $175 came in today!
Good news for the day.......My dishwasher rebate came in too :( Bad news for today......the electric bill leaves $135.12 for the rest of the month. And this is going to turn into a rant, but I don't understand WHY they charge so freakin' much for electric when it seems like we're freezin' our tushies off and we've got the thermostat it off due to the flood and you are supposed to be connected for 12 months prior) I realize that some of you probably have higher electric bills than we do, but this just about kills me! Here's how it's running so far: Out bed has 3 thick blankets on and my body just about refuses to get out of bed in the morning cause it is so flippin' cold! Thankfully we got on the budget system for this winter (almost didn't qualify since we had to shut they are increasing our bills $2.07 per 1,000 kwh b/c the supplier increased the wholesale electric rate.
but it says that this month last year we only used 1491 plus on our bill it says set for 71 degrees.......and it would be lower if we didn't have kids, but they are in footed pj's and I don't want them to freeze overnight since they won't keep blankets on. If it keeps going like this we're going to owe a crap holding flood water, dh went under there in october and taped it up as best as he could (we can't afford to replace it). Now, my question is, how do I cut this cost? I realize we are probably losing heat under the house because of the ductwork still ie when not in use- water heater is turned down, I try to do all laundry at one time (to keep the dryer heated up, and I use cold water to wash). I have caulking stuff for dh to put into the electrical outlet areas, we have flourescent bulbs for lights that we have on regularly (only 2 lights), all other lights are turned off regularly- load of money by the end of the 'budget' term!!
Try to call around and see if there 'social service' world for years, but it may help. It's usually based on income, and I've been out of the then it could be repaired free or low cost, and they can give you tips to help. Someone would come out and inspect the house to determine where the heat loss and other waste areas are, is a winterization program in your area. I actually forgot about this until or call local private and state social service offices.
You could probably find out the info from the electric company, who to call. Someone out there knows I read your post. I'm in the same boat it is cold in the winter. We just moved to an older house and east to a single family here.
I moved from a city row home back with the cold. No neighbors to keep us such an inspiration! Good luck, thanks for being lost the receipt and never sent off! good surprise :) ) I received my $7 flower cash from P&G (which I thought I had warm any more.
$341.17 is left in the checkbook so far since I got my dishwasher rebate back. I am thinking about possibly paying mom off early pay off the entire $330.75 and then that frees up next month's $150 payment to her. I could combine it on the 19th with the 150 I was going to pay her and and payday is this coming friday :) I will have to weigh the I can start walking at my mom's house (without worrying what he is in to).
I am going to start paying a friend to watch ds1 m-f 1 hour a day so lbs off before April, and since it's not warm enough to walk outside this will have to do. I don't yet know what she is going to charge me, but I've got to get these last 15 pros and cons of this. This way 3 days a week I will only have to take eli with me, and he won't move very much, and everything at this point LOL! Braylen is the one who gets into on my last package of diapers for braylen (size 5's) I didn't stockpile that big because Rhyne never even got into size 5's.
Only 5 1/2 more months of formula! can you tell I am counting down one of my biggest expenses? I am also 2 days I will have to take rhy and eli, but rhy will watch cartoons and help out with eli. I do have plenty of 2's and 3's though, and when eli gets to get a massage this week. I need to make an appointment for dh they don't get injuries) and his back/shoulder area is killing him, plus he had 27 hours overtime (which will help tremendously with bills) in 4 days this week! They aren't switching jobs at work right now because they aren't certified on the new truck (which is a toyota no no, they are supposed to switch every quarter so out of 2s I am going to exchange them for 4's.
I can't wait til info from out mortgage. We've already gotten the tax info since they give you interest? I wonder, does emigrantdirect send out tax w-2's arrive. nifty~ Do you have WIN Energy for your electric company? I'm a as a stop...hehehe :D.
Just wondered if I have you man usually comes to read my meter. yup, I've got WIN energy some meter reader for them and I read several routes in Princeton. Mom -0!!!!! I paid down to $199.21. and my checkbook is and then I had to get his pop for the week, mine and oatmeal for the kiddo's breakfasts.
DH insisted we stop at walmart and get frozen pizza, and his frozen pizza ended up being $10! her off today I had a $10 gift card, so I used that, was (it was down to 1.91 at the interstate!!) thirty something I'm sure. We also had to go and get gas tonight, but I don't know how much it don't take checks and I didn't have cash. It was put on the old national card since they and only 11.21 came out of the checkbook.
So, assuming nothing big comes up on payday I payment out of that check though. I will have to pay the van come in) so now I have $100 left on his bill!! paid $110 to the dr today (I had a $10 co pay could potentially have the doctor paid of also. Great job working on almost non-existant) light at the end of the tunnel!
thanks I can see the (very small, teeny, tiny, trip.....headed into the 'big' town LMAO! Did a big (for me) grocery shopping paying those off!! then I had to come back to our town and hit out walmart for some cheaper prices on some of the stuff.....also ended up getting the kids' easter outfits I'm curious what I saved: I'll break down the sale items cause -1.50 =$2 saved.
turtle neck shirt $3.50 and new dress shoes, next years winter coat for rhyne, all of their summer sandals and a pair of shoes for when rhyne gets really older LOL! 1 spiderman and 1 thomas 5.83 -1.00= 4.83 saved Rhyne dress shoes for later year 24.42-11.00=13.42 saved Winter coat for next sandals 6.46-2.00= 8.92 saved.
so, I spent $118.92 (that is including the 2 $1/1 q's I had) but I saved $39.92 just find some DelMonte Chillers, they are in the fruit section, but you stick them in the freezer and they become a sorbet! they were 2.12 but marked down to $1. No .10 veggies at my WM :( I really wanted to stock up on the green beans too since I eat them practically every night with WW LOL! But I did (preschool kiddos would've loved me LOL!) but I read further and saw what it was for and only got 2. At first where they had the sign I thought it was fruit snacks and I was going to grab all of them on the shoes and clothes that is 1/2 the price of their easter outfits almost! ($64.43) I will have to update my gas budget and for 11 days.
grocery budget has $49 left Guess I'll need to reconfigure that for next month. Gas budget has $ -18.95 left for 11 days LOL! grocery budget and then I will post them! how did you get the the .50/1 q's and then I just went and got them :) The 48 is only what I kept for my family...... My store doubles q's up to .50, and they had a sale on the 11 oz bags for $1...so I traded like heck to get to family and donated it to the little bins they put out around christmas time.
I got over 130 bags of cereal for free, but the rest of it I gave away 48 MOM bags?? thanks, just getting started and not real sure how to trade or obtain a whole lot of one coupon.