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Archive for April, 2012

$20K Update

April 22nd, 2012 at 05:59 pm

Current Balance $20,245.00
+$60.00 Bingo Tips
New Balance $20,305.00

Bingo Money (cash) $945.00
ING $16,710.00 ($4000.00 Bingo Money)
Mortgage Payoff $130.00
Home Improvements(cash)$595.00
HSBC $1,925.00
Total = $20,305.00

Added $63.65 Bingo Tips
Tips total - $1849.86
Wage total - $3099.55
Total Bingo Money - $4949.41

Forgotten Giftcards

April 22nd, 2012 at 11:23 am

Doing some cleaning today and found several giftcards in my coupon holder that I forgot about..

$5 to local pizza joint
$10 to Subway
$10 to Taco Johns
$20 to Lowes
$50 to Walmart

Also had $50 in there from one of the previous Biggest Loser competitions that I had won.

Luckily none of them had expired, but I will need to make sure I use them before I forget about them again!

$20K Update - Paid for Anniversary Cruise :)

April 21st, 2012 at 09:21 am

Hate to see if go down that much in one swoop, but I am sooooo excited for our 5 Year Anniversary Cruise!! YEAH! We are gonna book our excursions today or tomorrow! Smile

Current Balance $23,145.00
+$15.00 HSBC Interest
-$3000.00 to pay for Anniversary Cruise
New Balance $20,245.00

Bingo Money (cash) $885.00
ING $16,710.00 ($4000.00 Bingo Money)
Mortgage Payoff $130.00
Home Improvements(cash)$595.00
HSBC $1,925.00
Total = $20,245.00

Added $0 Bingo Tips
Tips total - $1786.21
Wage total - $3099.55
Total Bingo Money - $4885.76

Quitting Bingo... :(

April 21st, 2012 at 09:09 am

Well I have been at bingo for about 7 months now and I put in my 2 weeks yesterday. I don't really want to get into too many details but basically I need to quit due to too much drama. You wouldn't think bingo halls would be drama full....but oh man they are! I said when I started the job if I didn't like it or it wasn't fun anymore then I would quit, cause we don't need the money. I do still like working there, but I'm feeling stressed at home because of things that are going on there so I needed to quit even though I didn't really want to....it will be for the best.

On the plus side, after these last 2 weeks I will have made over $5K extra money for me and my family and I never did spend a single dime of it! ALL still sitting in savings.

So now that I will have about 15-20 extra hours a week, I plan on making a fabulous garden this summer! I also am going to take advantage of the overtime offered at my full time job. Obviously I make way more on my OT then at bingo, so if I did about 8hrs a week of OT that would make up for about 18 hrs a week at Bingo...

First quarter 401K Statement 2012

April 21st, 2012 at 09:01 am

Opening Balance 1/1/12 $16,483.20
My Contribution $550.00
Employer Contribution $550.00
Investment Gain $1,403.94
Closing Balance 3/31/12 $18,987.14


I put in $550 of my own dollars and I got an additional $1953.94 FREE! YEAH! I put in 6% which is the max my employer will match. The rest I of my retirement money is going into a ROTH IRA with ING.

Getting things done....

April 21st, 2012 at 08:20 am

I FINALLY finished putting away my 2011 paperwork. I have one of those plastic file boxes with a handle that I use through out the year and file all of our bills etc in and then at the end of the year I bundle and staple everything together in the different files, and transfer it and our tax return to a permanent file. Cleared out a huge pile of papers we don't need anymore and took them to work and put them in the recycling/shred and then moved everything else into the permanent file.
-Paid for DHs car registration for the year
-Paid AAA membership dues for the year (that thing has paid for itself so many times already!)
-Paid electric/heat bill (it was down $50 from last month...guess my frozen toes were worth it!)
-Transferred the cruise money from savings to checking and set up the payment for the cruise online.

I also bought some lotion at Menards, it is Vaseline Sheer Infusion 6.8oz bottles. They are free after $5 rebate. So I bought the limit of 5, sent in the rebate and marked them for $2 each for the rummage sale. So that would be $10 free dollars if we sell them all. Smile

April 2012 Savings Update

April 17th, 2012 at 04:42 pm

Better late then never......

April 2012 Savings Update
As of April 1, 2012:

Regular Savings:
Bingo Money $4380
Home Maintanence $610
Mortgage Payoff Account (cash) $130
Cushion $2120
HSA $7500
New Patio Door(cash) $1320
September 2012 $1355
Emergency Fund $1330
New Car $2065 - Complete
Vacation - $2405 - Complete
Anniversary Cruise $4810 - Complete
Total Regular Savings = $28,025.00

Retirement Savings:
Retirement Hold Account $1645.00
Roth IRA $5179.22
Rollover IRA $890
401K $18,948
403B $13,500 (est)
Total Retirement Savings = $40,152.22

Total Savings = $68,177.22 Up $5,847.22 in the last 2 months! Should hit $70K this month!

Biggest Loser Update

April 17th, 2012 at 04:03 pm

Spring 2012 Biggest Loser

Week Two - Weigh In
Pounds Lost this week = 1.8
Total pounds lost = 4
% weight loss = 2.38%
Place = 1st out of 5 people


Week Three - Weigh In
Pounds Lost this week = .6
Total pounds lost = 4.6
% weight loss = 2.74%
Place = 1st out of 5 people

Total weight lost since Sept 2011 = 19.6lbs

$20K Update

April 17th, 2012 at 03:42 pm

Got Bingo tips and threw an extra $20 in the EF just because. So now that we had met the $20K challenge we were going to throw our extra money (recycling, rummage sale, gifts ect) at the mortgage. But after talking it over with DH he would prefer to keep putting money in the New Car Fund for awhile. Both of our cars have over 100K miles on them, so that is probably the best plan. We have over $3K marked for a new car, plus the Bingo Money is almost to $5K and has no set purpose yet. HAPPY SAVINGS!

Current Balance $23,145.00
+$20.00 ING EF
+$65.00 Bingo Tips
+/-$1000.00 from Bingo Money (cash) to ING Bingo
New Balance $23,230.00

Bingo Money (cash) $885.00
ING $16,710.00 ($4000.00 Bingo Money)
Mortgage Payoff $130.00
Home Improvements(cash)$595.00
HSBC $4,910.00
Total = $23,230.00

Added $61.55 Bingo Tips
Tips total - $1786.21
Wage total - $3099.55
Total Bingo Money - $4885.76

$20K Update!

April 13th, 2012 at 04:53 pm

Today was payday for my full time job, DH's full time job, Bingo, track and cross country! Smile DH gets to do what he wants with his track and CC money so should have some more to add once he lets me know how much I can use from his money for savings.


Current Balance $21,940.00
+$50.00 Bingo Tips
+$85.00 Retirement Hold Account
+$195.00 Bingo Wages
+$100.00 September 2012 Savings
+$100.00 Anniversary Cruise
+$275.00 Home Improvements
+$200.00 Casino Win to Vegas Fund
+$200.00 Casino Win to New Car Fund
New Balance $23,145.00

Bingo Money (cash) $1,820.00
ING $15,690.00 ($3000.00 Bingo Money)
Mortgage Payoff $130.00
Home Improvements(cash)$595.00
HSBC $4,910.00
Total = $23,145.00

Added $195.90 to Bingo Wages and $48.75 to Bingo Tips
Tips total - $1724.66
Wage total - $3099.55
Total Bingo Money - $4824.21

Refinance is complete!

April 8th, 2012 at 06:25 pm

We finished our refinance! We are officially in our loan for 10 years, 2.75%! We don't have to pay the mortgage for April or May, so that is $1500 each month that we can use for what we need. I put Aprils $1500 in savings for a new car. We may use some of Mays for fun, and then the rest into the new car savings...we will see closer to the end of April. We also got $1700 back from closing costs being over estimated. For now I have left that in checking because DH is going on a little trip in May, and we make significantly less in the summer, so it will be good to go into the summer with some extra cushion in checking.
We didn't pay the closing costs this time, just rolled them into the mortgage so our new balance is $127,550.00. Can't wait till June 1, so we can start taking that baby DOWN!

Spring 2012 Biggest Loser

April 8th, 2012 at 06:12 pm

Spring 2012 Biggest Loser

Week One - Weigh In
Pounds Lost this week = 2.2
Total pounds lost = 2.2
% weight loss = 1.31%
Place = 2nd out of 5 people

Off to a good start! My total weight loss since I started trying to lose is 17.2lbs. I think I did really good over Easter, so I am hoping that the others in the BL overate over the holiday. Smile

$20K Update!

April 8th, 2012 at 06:06 pm

Whoo hoo, lot of deposits! Our refinance is finally done, and we don't have to pay the mortgage for April or May. So we put Aprils mortgage payment into our car savings. We also went out of town for Easter and stopped at a casino for a few hrs. Came home $300 ahead, so I stuck $200 in the Vegas fund for next time we go.

Current Balance $20,000.00
-$111.00 to Roth IRA
+$125.00 to Patio Door Savings (cash)
+$125.00 Bingo Payday
+$70.00 Bingo Tips
+$5.48 ING Interest
+$25.52 Even Out Deposit
+1500.00 April Mortgage Payment - to New Car Account
+$200.00 Casino win - to Vegas Fund
+/-$1000.00 Moved Bingo cash to ING
+/-$1000.00 Moved Patio Door cash to ING
New Balance $21,940.00

Bingo Money (cash) $1,575.00
ING $15,105.00 ($3000.00 Bingo Money)
Mortgage Payoff $130.00
Home Improvements(cash)$320.00
HSBC $4,810.00
Total = $21,940.00

Added $126.66 to Bingo Wages and $70.75 to Bingo Tips
Tips total - $1675.91
Wage total - $2903.65
Total Bingo Money - $4579.56