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Archive for December, 2011

2012 Goals

December 29th, 2011 at 08:20 pm

Debt
-Continue to live debt free other then mortgage
-Get mortgage from $123,300 to under $110,000

Savings
-Vegas $2500
-New car $5000
-EF $3000
-Cruise $5000
-Cushion $2300
-HSA $7500
-Patio Door $1500
-Sept 2012 $1800

Other
-Lose 30 more lbs (Currently down 12)
-Work on being a better home owner (repairs, lawncare, gardening etc)

Moving funds around

December 29th, 2011 at 07:46 pm

I had been keeping the Bingo money at home, but it is just too much to have in the house, so I renamed one of my ING account to Bingo Money and put $1000 of it in there. I also moved my Mortgage payoff account home since it was only $115.00, and stuck $10 more in there.

Current Balance $14,230.00
+$10.00 to Mortgage Payoff
-$28.00 to Roth IRA
+$3.00 Even Out Amount
New Balance $14,215.00

Bingo Money $1290.00
ING $7615.00 ($1000.00 Bingo Money)
Mortgage Payoff $125.00
Home Improvements(cash) $675.00
HSBC $4510.00
Total = $14,215.00

Added $331.41 to Bingo Wages and $81.30 and $31.35 to Bingo Tips
Tips total - $804.41
Wage total - $1488.56
Total Bingo Money - $2292.97

$20K Update - Nice Bingo check!!

December 29th, 2011 at 07:26 pm

I picked up a couple of shifts last week and it really helped out my bingo paycheck!

Current Balance $13,700.00
+$85.00 to retirement hold account
+$330.00 Bingo Paycheck
+$80.00 Last weeks tips
+$35.00 This weeks tips
New Balance $14,230.00

Bingo Money $2290.00
ING $6755.00
Home Improvements(cash) $675.00
HSBC $4510.00
Total = $14,230.00

Added $331.41 to Bingo Wages and $81.30 and $31.35 to Bingo Tips
Tips total - $804.41
Wage total - $1488.56
Total Bingo Money - $2292.97

I won on pulltabs?!

December 24th, 2011 at 04:59 pm

So I never play pulltabs....(if you don't have pulltabs where you live they are 3 little pieces of paper that are attached together, you buy then for $1 a piece and then you open them up to see if you won any money.....which I never play or win)...I think they are super boring and not fun at all. But last night DH and I were at the bar with some friends and a couple of the friends were really into pulltabs and were saying how one of the jars still had a lot of winners left in it, and not too many pulltabs left. They have a sign that says how many winners are left in there that are over $50 each. There were 35 winners left for over $50 each. It always looks like there aren't that many tickets left cause they are so little....but in reality there were probably like 1000 or more tickets still in the jar. So I bought into that and was playing with them...I bought $20, won nothing. I gave my husband $20 to go try, won nothing. Another friend said lets try together and if we win anything we will split it....so we each put in $40, won nothing. So by now I feel like am idiot but I am also drinking and thinking we HAVE to win cause the jar is so empty.....well my friend didn't want to play anymore, so I said to my husband, I am going to get $100 out of the ATM and I am going to buy 100 pulltabs, then I will quit. He said ok. So I bought the 100 pulltabs...I opened a $50 winner. I thought ok, now I will keep that and at least I got "some" of my money back. I kept opening them hoping to get another $50 or something. I got all the way down to my very LAST pulltab..ticket #1 $100, $100, $100 ticket #2 $100, $100, $100 ticket #3 $200, $100, $100.....equals $1000!!!!!! OMG!!!! I won $1000! There is only 1 $1000 winner in the entire jar of tickets and I am not sure how many tickets they start with.....maybe 5000 or 10000 or more? I was totally freaking out, I just couldn't believe it! Of course I was not up $1000 since I had already put in about $180, but I am so excited, I have never won anything that big at once before! I also gave our friend $100. But don't worry, I won't be addicted to pulltabs, I still think they are boring. Smile

I won the Biggest Loser!

December 24th, 2011 at 04:31 pm

We did the biggest loser again at work. We started in October and this last Tuesday was the last day. I won! I lost 7lbs and won $50! Normally I would do the updates on here, but just didn't get around to doing it. We are going to do another round in January so I will try to keep the weekly updates on here. Not sure what I am going to do with my $50 yet....

Good-bye $15K.....nice knowing you.....

December 19th, 2011 at 01:16 am

Current Balance $15,000.00
-$1300.00 to checking to cover bills
New Balance $13,700.00

Bingo Money $1845.00
ING $6670.00
Home Improvements(cash) $675.00
HSBC $4510.00
Total = $13,700.00

Added $0 to Bingo Tips
Tips total - $691.76
Wage total - $1157.15
Total Bingo Money - $1848.91

We only had $470 in the EF....I transferred all of that so the EF is at $0. The other $830 I borrowed from my retirement hold account. So when we have more to put in savings that needs to be the first thing to be paid back....but I know we will go down more before we go up since this doesn't even include the car repair/Christmas bills yet. 2 steps forward, one step back is ok with me as long as we are going in the right direction in the long run.

Car repairs......sad!

December 17th, 2011 at 08:04 pm

My heater had not been working in my car for a few weeks and my radio wasn't working again. I paid over $500 back in June to have my body control module replaced. Now I needed a new thermastat, intake manifold and water pump. Frown Nice Christmas gift huh! $900 later my heat and radio are working....but I am going to have to get a new radio because there is something wrong with this one and it keeps sucking my battery and now the CD player is not working...so frustrating! So we just got to $15K, but it will be very short lived due to Christmas and this massive car repair. Why can't we get away from 14K! It's baffling!

$20K Update - $15K.....for a minute anyways!

December 17th, 2011 at 07:51 pm

Current Balance $14,640.00
+$100.00 to September 2012 Savings
+$100.00 to Anniversary Cruise
+$160.00 Cross Country Money to HomeImprovements
New Balance $15,000.00

Bingo Money $1845.00
ING $7970.00
Home Improvements(cash) $675.00
HSBC $4510.00
Total = $15,000.00

Added $0 to Bingo Tips
Tips total - $691.76
Wage total - $1157.15
Total Bingo Money - $1848.91

$20K Update - Bingo Tips!

December 13th, 2011 at 03:54 am

Current Balance $14,550.00
+$90.00 to Bingo Tips
New Balance $14,640.00

Bingo Money $1845.00
ING $7870.00
Home Improvements(cash) $515.00
HSBC $4410.00
Total = $14,640.00

Added $90.78 to Bingo Tips
Tips total - $691.76
Wage total - $1157.15
Total Bingo Money - $1848.91

CVS and Kohls Shopping

December 12th, 2011 at 02:29 am

Kohls
I got a coupon in the mail for Kohls, $10 off any $10 purchase. Normally when I get these type of coupons I try to find something for around $10 so I don't have to pay much OOP. But as I was shopping I found several good deals, and decided to spend a little on myself since I have been working so hard with all this OT and Bingo hours. While I was standing in line to checkout I found a 20% off coupon on the floor! That saved me an extra $10.76!

Striped Sweater (My new favorite sweater!)
Regular Price $36.00
-$23.01 Sale Price

Summer Dress
Regular Price $36.00
-$25.20 Clearance Price

Levis Jeans
Regular Price $46.00
-$6.01 Sale Price

-$10.00 coupon
-$10.76 (20% off coupon

So my total spent was $45.60 and the total saved was $74.98!! I absolutely love my new clothes, yeah!!

CVS

Not a lot in the add for this week. They do have Combos that are free after EB, but my store was out, so I will have to get a raincheck for those.

I did find a good deal on Blistex Lipbalm.

Blistex Lip Balm (Bought 2)
Regular Price $1.67 Each
-.68 Sale Price Each
-.55 mfr coupon (2 coupons)
Final Price just .44 each!!

Used .99 EB for the purchase and paid .01 OOP!!

$20K Update - 2nd of the day :)

December 12th, 2011 at 01:58 am

I got 2 checks in the mail, one for me and one for DH. Both checks were for $18.04 from Currency Conversion Fee Anitrust Litigation. I vaguely remember sending something in for this a looooooooong time ago.....the check is actually in my maiden name and we have been married for almost 5 years...so a looooong time ago.. So the total is $36.08, I rounded up to $40 and put it in the Vegas savings account. We thought we had enough for our trip, but it looks like the flights are going to cost us a lot more then they had in the past, so we need to put some more in there before we go in March.

Current Balance $14,535.00
+$40.00 to Vegas fund
-$112.00 to ROTH IRA
+$2.00 Even Out Amount
+$85.00 to Retirement Hold account
New Balance $14,550.00

Bingo Money $1755.00
ING $7870.00
Home Improvements(cash) $515.00
HSBC $4410.00
Total = $14,550.00

Added $250.76 to Bingo Tips
Tips total - $600.98
Wage total - $1157.15
Total Bingo Money - $1758.13

Crazy amounts of OT

December 11th, 2011 at 07:35 pm

It seems I forgot to mention it on here, but my work has been giving crazy amounts of overtime for about 5 weeks now. We are able to work up to 10 OT hours a week. This is pretty close to impossible due to the hours that we are open, and me having Bingo as well....but I have been putting in about 5-7 hrs a week in OT for the last several weeks. My job usually has occasional OT, but this amount is unheard of. I asked my boss how long she thought we would have this OT and she said we can expect to be offered 10 hrs per week through March!! OMG! The money is nice, but I am definitely starting to feel burned out. Hopefully I can find a happy balance between working some OT and not going insane...lol. I have the whole week off after Christmas, so they should help me recharge. Smile This week I was able to get in 9hrs of OT because they let us come in Saturday and do some trainings. Can't wait to see my check...$$$$$!

$20K Update - Bingo Payday!

December 11th, 2011 at 07:21 pm

Current Balance $14,285.00
+$250.00 Bingo Payday
New Balance $14,535.00

Bingo Money $1755.00
ING $7855.00
Home Improvements(cash) $515.00
HSBC $4410.00
Total = $14,535.00

Added $250.76 to Bingo Tips
Tips total - $600.98
Wage total - $1157.15
Total Bingo Money - $1758.13

Toothpaste Money Maker at CVS

December 7th, 2011 at 01:33 am

Crest Toothpaste 2.7 oz
Regular Price $2.87
-$1.00 mfr coupon
*Received $2.00 EB
Final price - FREE plus .13 Money Maker!

Paid with EBs so only had to pay .04 tax!

Week of 12/4/11 - CVS Deals

December 6th, 2011 at 04:51 am



First on Sunday I went and used DH's card and EBs:

Afrin Nasal Spray
Regular Price $7.49
-$1.40 Sale Price
-$5.00 mfr coupon
Final Price $.99!!
*Already marked this for $3.00 for the rummage sale
*ETA - Sold for $3.00 at 9/7/12 rummage sale - $2.01 profit

Glade Sense and Spray Starter Kits (Bought 3)
Regular Price $33.87 ($11.29 each)
-$18.87 Sale Price ($6.29 each)
-$3.00 mfr coupon
-$3.00 mfr coupon
-$3.00 mfr coupon
*Received $4.00 EB
Final Price $2.00!! (Just .67 each!!!)
*Kept 1 for myself
*ETA - Sold 1 for $4.00 at 6/15/13 rummage sale - $3.33 profit
*ETA - Sold 1 for $4.00 at 9/5/13 rummage sale - $3.33 profit

Candy Canes 10ct
Regular Price $1.27
*Received $2.00 EB because they weren't printing correctly at purchase
Final Price - FREE plus .73 profit!!

Used DH's EBs from Thanksgiving and total OOP was .16!



Then today I went and used my card:

Garnier Fructis Shampoo and Conditioner (2 Bottles)
Regular Price $7.98
-$1.00 Sale Price (.50 each)
-$1.00 mfr coupon
-$1.00 mfr coupon
*Received $3.00 EB
Final Price $1.98!! (Just .99 each!!)

Candy Canes 10ct
Regular Price $1.27
*Received $2.00 EB because they weren't printing correctly at purchase
Final Price - FREE plus .73 profit!!

Used my EBs from Thanksgiving and paid just $1.25 OOP and made another $5.00 in EB!

$20K Update - Bingo Tips!

December 6th, 2011 at 03:58 am

Got my rebate from Prevacid for $15.99, so I rounded it up and added $20 to the EF. Also got my Bingo Tips for the week, reached $1500 in the Bingo Money!

Current Balance $14,210.00
+$55.00 Bingo Tips
+$20.00 Prevacid Rebate
New Balance $14,285.00

Bingo Money $1505.00
ING $7855.00
Home Improvements(cash) $515.00
HSBC $4410.00
Total = $14,285.00

Added $56.60 to Bingo Tips
Tips total - $600.98
Wage total - $906.39
Total Bingo Money - $1507.37

2011 Debt Summary

December 4th, 2011 at 09:35 pm

2011 Debt Summary
-Started the year with a few 0% loans that we were not racing since we had the money in savings. Paid them all off before any of the interest hit. Now back to only the mortgage in debt.

Mortgage
-Jan 2011 $135,740.00
-Dec 2011 $123,300.00
Total reduced in 2011 = $12,440.00
Additional Principle Payments = $6,362.39
So we more then doubled our paydown for the year by making principle payments!
Now the yucky numbers.....our mortgage rate is 3.75%......we paid $4,905.23 in interest this year.

December 2011 Mortgage Payment

December 4th, 2011 at 08:51 pm

December 2011 Mortgage Payment

Balance $124,500.00
+$389.06 Interest
+$307.59 Escrow
-$1311.16 Regular Payment
-$585.49 Principle Payment
New Balance $123,300.00


$123K = 123 months left = 10.25 years left!

Had $55 in change this month to add to our principle payment - Every little bit helps!!

$20K Update

December 4th, 2011 at 08:07 pm

Current Balance $14,040.00
+$130.00 from Cross Country Pay to New Patio Door Fund
+$5.00 HSBC Interest
+$5.22 ING Interest
+$29.78 Even Out Amount
New Balance $14,210.00

Bingo Money $1450.00
ING $7835.00
Home Improvements(cash) $515.00
HSBC $4410.00
Total = $14,210.00

Added $0 to Bingo
Tips total - $544.38
Wage total - $906.39
Total Bingo Money - $1450.77

December 2011 Savings Update

December 4th, 2011 at 07:59 pm

December 2011 Savings Update
As of December 1, 2011:

Regular Savings:
Bingo Money $1450
Home Maintanence $585
Mortgage Payoff Account $115
Cushion $1930
HSA $5730
New Patio Door(cash) $515
September 2012 $530
Emergency Fund $465
New Car $2045 - Complete
Vacation - $2580 - Complete
Anniversary Cruise $4410 - Complete
Total Regular Savings = $20,355.00

Retirement Savings:
Retirement Hold Account $1500
Roth IRA $4490
Rollover IRA $1380
401K $16,300
403B $13,300 (est)
Total Retirement Savings = $36,970.00

Total Savings = $57,325.00

Up $2050 from last month!!!

Discover Card - 2% Cashback Rewards

December 4th, 2011 at 07:51 pm

If you are familiar with my blog you know how much I love Discover Card, so I though I would share another perk they are offering now.
If you have a card you can go to their website and sign up for 2% unlimited cash back on internet, cable and phone for all of 2012! All you have to do is log in to your account at discovercard.com and click on cashback rewards and there should be a banner to click to sign up. Yeah for free money!