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Archive for August, 2013

$20K Update

August 30th, 2013 at 09:52 pm

Current Balance $28,155.00
+$350.00 August Escrow Savings Deposit
+$350.00 September Escrow Savings Deposit
New Balance $28,855.00

ING $25,800.00 ($5620.00 Bingo Money)
Home Improvements(cash)$680.00
HSBC $2375.00
Total = $28,855.00

Got back on track with the Escrow deposits. We have received the bill for the yearly home insurance, but it's not due for a few more weeks.

CVS and Menards Deals Week of 8/25/13

August 27th, 2013 at 10:28 pm


CVS
Charmin Basic Huge Rolls (Bought 6)
Regular Price $1.57 Each
On sale for 2/$1.99
-$1.49 CVS Coupon
Final Price .25 each!! - Free on CVS GC

Kiss Ever Ez Lashes Eyelash Adhesive (Bought 2)
Regular Price $3.99
-$3.59 Sale Price in 90% off bin
Final Price .40 Each - Free on CVS GC
(Marked $1.50 each for rummage sale)


Menards


Magic Measuring Spoon (Bought 2)
Regular Price ?
Sale Price $4.99 Each
-$4.99 Rebate
Final Price $0!!
(Marked $4.00 each for rummage sale)
*ETA - Sold 2 for $4.00 each at 9/5/13 rummage sale
=$8.00 Profit!!

PVC Knit Gloves 3pks (Bought 3, 3pks)
Regular Price ?
Sale Price $4.99 Per pack
-$4.99 Rebate
Final Price $0!!
(Marked $1.00 per pair (9 pairs) for rummage sale)
*ETA - Sold 7 for $1.00 each at 9/5/13 rummage sale
*ETA - Sold 2 for $1.00 each at 9/4/14 rummage sale
Profit = $9.00

Silicone Grabber (Bought 2)
Regular Price ?
Sale Price $4.99 Each
-$4.99 Rebate
Final Price $0!!
(Marked $2.00 each for rummage sale)
*ETA - Sold 2 for $2.50 each at 9/5/13 rummage sale
= $5.00 Profit!!

$20K Update

August 27th, 2013 at 02:49 pm

Current Balance $28,075.00
-$28.00 to ROTH IRA
+$8.00 Even Out Amount
+$100.00 to Retirement Hold Account
New Balance $28,155.00

ING $25,100.00 ($5620.00 Bingo Money)
Home Improvements(cash)$680.00
HSBC $2375.00
Total = $28,155.00

We should know by next week how much we will need to take out for the pay-gap. After that paychecks start and we can start going back up at a decent pace again. Smile

$20K and Mortgage Checking Updates

August 21st, 2013 at 05:18 pm

It's getting to that time where we need to use the money in our "Sept 2013" savings account. This account is specifically to cover the time frame from DH's summer job till the school year, when he misses one paycheck, thus does not get paid for a month. After a few years of not planning for this I finally wised up a few years ago and started a seperate account so when that time comes each year we have the funds to cover the gap. This year I have $1830 in that account. I anticipate taking out the $1800 and putting it in checking (we will see how the numbers pan out, if we don't have to use all of it then we won't), but I shouldn't need the extra $30 that the account has made in interest/even out deposits. So I took $25 out of the account and put it in the Mortgage Checking to go towards Septembers Principle Payment, and left the other $5.00 as I don't want to have a $0 balance. Hoping we can have a large chunk left from the $1800 and then will decide if we want to leave it in savings for next years paycheck gap, or apply it to the mortgage.

--$20K Update --
Current Balance $28,100.00
-$25.00 ING Sept 2013 Interest Balance
New Balance $28,075.00

ING $25,020.00 ($5620.00 Bingo Money)
Home Improvements(cash)$680.00
HSBC $2375.00
Total = $28,075.00

--Mortgage Checking--
$15.00 Mortgage Checking Balance
+$25.00 Sept 2013 Savings Interest
=$40.00 New Balance

Menards Crazy Days Sale

August 18th, 2013 at 02:34 am

Got lots of great deals to stock up for the sale!

We are having a rummage sale this coming weekend, and then another 2 weekends later, so this was a great time to grab some deals and move then quickly for some fast cash!

Respirator Masks 20pk (Bought 2)
Regular Price ?
Sale Price $9.00 per box
-$9.00 Rebate Each
Final Price - $0!! Both boxes free!
(Marked $4.00 each for rummage sale)
*ETA - Sold 1 for $5.00 at 9/5/13 rummage sale
*ETA - Sold 1 for $5.00 at 5/5/17 rummage sale
Profit = $10.00

Disney Night Light and Wall Plate Combo (Bought 2)
Regular Price ?
Sale Price $3.99 Each
-$3.00 Rebate Each
Final Price - .99 Each!
(Marked $4.00 each for rummage sale)
*ETA - Sold 1 for $4.00 at 8/23/13 rummage sale
*ETA - Sold 1 for $4.00 at 9/5/13 rummage sale
= $6.02 Profit!!

Titanium Bonded Kitchen Knives (Bought 2)
Regular Price ?
Sale Price $6.99 Each
-$5.00 Rebate Each
Final Price - $1.99 Each!
(Marked $5.00 each for rummage sale)
*ETA - Sold 2 for $5.00 each at 8/23/13 rummage sale
= $6.02 Profit!!

Sunglasses (Bought 2)
Regular Price ?
Sale Price $5.00 Each
-$5.00 Rebate Each
Final Price - $0!!
(Marked $3.00 each for rummage sale)
*ETA - Sold 2 for $3.00 each at 9/5/13 rummage sale
= $6.00 Profit!!

Belts (Bought 4)
Regular Price $6.99 Each
-$6.99 Rebate Each
Final Price - $0!!
(Marked $4.00 each for rummage sale)
*ETA - Sold 2 at $4.00 each at 9/5/13 rummage sale

Gardening Gloves (Bought 4)
Regular Price $1.49 Each
-$1.49 Rebate Each
Final Price - $0!!
(Marked $1.00 each for rummage sale)
*ETA - Sold 4 at $1.00 each at 8/23/13 rummage sale
=$4.00 profit!

UP2U Gum 12 Pack Boxes (Bought 4)
Regular Price $6.88
-$6.00 Rebate per Box
Final price .88 Per box, just .07 per pack!! WOW!
(Keeping these)

Kmart and CVS Deals....Hmm this is new?

August 18th, 2013 at 01:46 am



Total for everything pictured was a profit in my pocket of $1.57!!

I had some $3.00 off Biore manufacturer coupons that I wanted to use. I wasn't sure where to go to find a good price where I could get some cheap/free items. I decided to check at Kmart since it is close to my work. I never shop at Kmart because I have bad, bad, bad customer service there, long, slow lines and our store seems very dingy. Not a fan. But I went in and checked it out and found some Biore Make-up Removing Towelettes for $2.74, plus they are BOGO 50% off - Perfect! So I got 2 and took them to the register.

Here is what I think I will be doing:

Biore Make-up Removing Towelettes
(1) $2.74 Regular Price
(1) $1.37 (50% off)
-$3.00 Mfr Coupon
-$3.00 Mfr Coupon
= -$1.89
So I anticipate I will pay $0, or may have to pay tax

But I get rang up, by a "Customer Service Supervisor" and she tells me my total is $1.57. HUH? I say, "That doesn't sound right, both of the items are under $3.00, and I have 2 $3.00 coupons. How are you getting $1.57" She says, "Well one of the was $2.74 and one was $1.37 and then I took off your two coupons and it come to $1.57". ???? Were you even listening to what you were saying? That doesn't add up at all? So she looked it again and then said, "Oh I guess the 2nd coupon didn't come off." So she adjusted it and then the total said
-$1.57. Perfect, now I won't pay anything. I anticipate she will give me my receipt. Instead she hands me my receipt....and $1.57 in cash out of the register!! WHAT?! That was new for me! I don't know if this is a normal Kmart policy, but I have never been actually handed cash when I am at the register. If your total is $0 or negative, then you just get it free here (ND), I am thinking that was not the correct way for her to handle that....and she was the supervisor?? Well anyways, I was pumped about the deal!

So the Biore Make-Up Removing Towelettes came out to a profit of .78 for one and .79 for the 2nd!!
(Marked $1.50 each for the rummage sale)
*ETA - Sold 2 for $1.50 each at 9/5/13 rummage sale
= $4.57 Profit!!

I also got some Biore at CVS, but was only able to get one. One day they let me use the coupons, and the next day I got a manager who said I couldn't use them since the amount on the coupon was more then the amount of the product. Really wish they would all be trained the same on the coupon policies.

Biore Deep Cleansing Pore Strips
Regular Price $1.99
-$1.99 ($3.00 Mfr Coupon)
Final Price - $0!!
(Keeping these)

Also got some sweet finds in the 90% off bin!

Covergirl Clean Normal Skin Pressed Powder (Bought 3)
Regular Price $7.99
-$7.19 Sale Price
-$1.50 Mfr Coupon (3)
Final Price - $0!! All 3 Free!!
(Marked for $4.00 each for rummage sale)
*ETA - Sold 1 for $4.00 at 9/4/14 rummage sale
*ETA - Sold 1 for $4.00 at 5/5/17 rummage sale

$20K Update

August 18th, 2013 at 01:08 am

Current Balance $28,000.00
+$100.00 to Anniversary Cruise
New Balance $28,100.00

ING $25,045.00 ($5620.00 Bingo Money)
Home Improvements(cash)$680.00
HSBC $2375.00
Total = $28,100.00

CVS Deals Week of 8/11/13

August 12th, 2013 at 03:21 am



The Revlon I got last week, but the rest was all from today. All free on CVS Giftcard.

Revlon Moon Candy Nail Polish
Regular Price $9.29
-$4.30 Sale Price
-$3.00 CVS CM Coupon ($3.00 off Revlon Cosmetic)
*Received $3.00 EB
Final Price $1.01 Money Maker!!
(Marked $3.50 for rummage sale)
*ETA - Sold for $3.50 at 8/23/13 rummage sale
= $4.51 Profit!!

Powerades 32oz (Bought 15)
Regular Price $1.57
-.57 Sale Price Each
*Received $2.00 EB for every 5 purchased
Final Price .60 Each!!

Coke 12 packs(Bought 3)
Regular Price $5.29
-$2.29 Per 12 pack
Final Price $3.00 Each = .25 per can!

Re-nu Contact Solution (Bought 2)
Regular Price $9.99
-$2.00 Sale Price
-$2.00 Mfr Coupon on 1, and $1.50 Mfr Coupon on the other
*Received $5.00 EB on Each
Final Price - $.99 for one and $1.49 for the other!
(Marked for $4.00 each for the rummage sale)
*ETA - Sold 1 for $4.00 at 8/23/13 rummage sale

Mars Candy Bars (Bought 3)
Regular Price $1.19
-.20 Sale Price
-.74 CVS CM Coupon (3)
Final Price - .25 Each!!

$20K Update

August 6th, 2013 at 02:48 pm

Current Balance $28,060.00
-$112.00 to ROTH IRA
+$7.00 Even Out Amount
+$45.00 to Short Term EF - to keep us at $28K
New Balance $28,000.00

ING $25,045.00 ($5620.00 Bingo Money)
Home Improvements(cash)$680.00
HSBC $2275.00
Total = $28,000.00

Slowly starting the Cleaning/Purging/Organizing of the Kitchen

August 3rd, 2013 at 02:26 am

Moving on to the kitchen with my cleaning/purging/organizing quest. Probably won't get too into it till mid September when we are done with the rummage sales for the year.

Started with an easy cupboard, the tupperware cupboard. We are BIG on leftovers and use them almost everyday. Didn't have anything to get rid of in here, but got it all tidied up.

Before


After

Free Target Item and 90% off bin at CVS

August 3rd, 2013 at 02:22 am


*ETA - Everything in this entry has been sold!

Had an awesome $5.00 off coupon for Tena Products, wish I had more then one! Used that at Target for a free item.

Tena Pads 30ct
Regular Price $4.99
-$5.00 Mfr Coupon
Final Price - Free!!
(Marked for $2.50 for rummage sale)
*ETA - Sold for $2.50 at 8/23/13 rummage sale
=$2.50 profit!!

Then hit the CVS 90% off bin, it was empty except for an Essie Polish, I scooped it up and added it to my basket of polishes for the rummage sale.

Essie Nail Polish
Regular Price $8.39
-$7.56 Sale Price
Final Price .83!!
(Marked $3.00 for rummage sale)
*ETA - Sold for $2.50 (4 for $10 deal) on 3/20/14 on FB
=$1.67 Profit!!

Awesome Herbal Essences Deal!

August 2nd, 2013 at 10:56 pm


Ok so here is the deal I was planning to do on the Herbal Essences:

Herbal Essences Shampoo or Conditioner 10.1oz
Regular Price $3.99 each
Sale Price 2/$5 ($2.50 each)
-$2.50 Mfr BOGO Free coupon
*$1.00 EB for buying 2 (limited to 1 per card)
= $1.50 for 2, or .75 per bottle

But here is the deal I acually ended up getting

Regular Price $3.99 each (Bought 22 bottles, $87.88 total)
Sale Price 2/$5 ($2.50 each, $55.00 total)
-$54.89 ($4.99 x 11) BOGO Free coupons
*Receive $11 EB ($1 for every 2 bottles purchased)
Final Price $10.89 Money Maker!!
(Keeping 2 for myself and selling the other 20, marked for $2.00 each for the rummage sale)

If I sell them all that would be a profit of $40.00 (20 bottles x $2.00)+$10.89 = $50.89!!

*ETA - Sold 11 bottles for $2.00 each at 8/23/13 rummage sale
*ETA - Sold 7 bottles for $2.00 each at 9/5/13 rummage sale
*ETA - Sold 2 bottles for $2.00 each on 6/16/14 on FB
Total Profit = $50.89!!

I was only planning on getting 2 bottles for the .75 each since you were only supposed to get the EB deal once per card, and the coupon should have taken off $2.50. But the coupons ended up taking off $4.99 instead of $2.50 and for some reason the EB printed everytime I bought 2, instead of just the once!
So I came out with 22 bottles of shampoo conditioner and I made $10.89!! SUPER DEAL!
I had about 20 of the BOGO Free coupons, I used 11 and gave the rest to my Mom and she also cashed in on this deal.

Verizon Discount

August 1st, 2013 at 07:01 pm

I received a mailer yesterday from Verizon advising that I need to re-validate my employement status to keep my discount on the account. I went on to their website and completed the validation to keep my 21% discount! Smile If you have Verizon be sure to check with them if your employer offers any kind of discount through them, I believe they have 100's of businesses that they give discounts to (discount varies by employer), and all you have to do is validate your employement with them occasionally (I think the last time I had to do this was at least 2-3 years ago).

August 2013 Savings Update

August 1st, 2013 at 06:32 pm

August 2013 Savings Update

Regular Savings:
Home Maintenance ING $6040
Cushion $2860
HSA $9390
New Patio Door (cash) $680
Escrow - $2600
September 2013 $1830 - Complete
Short Term Emergency Fund $40
Long Term Emergency Fund $1115 - Complete
New Car $10,110 - Complete
Vacation - $2210 - Complete
Anniversary Cruise $2275
Total Regular Savings = $39,150.00

Retirement Savings:
Retirement Hold Account $1155
Roth IRA $7540
Rollover IRA $815
401K $28,160
403B $18,900 (est)
Total Retirement Savings = $56,570.00

Total Savings – $95,750.00

Up $1055.00 from last month, almost entirely because of a nice little jump in my 401K. Regular savings is down due to Vegas trip, and having to take some out of the Short Term EF to cover summer spending. One more month, one more month, one more month, just keep swimming, just keep swimming, just keep swimming, swimming, swimming……

Mortgage Checking Account - Little Deposit

August 1st, 2013 at 04:27 pm

$5.00 Mortgage Checking Balance
+$8.00 Sold Contact Solution to Co-worker
+$2.00 Even Out Amount
=$15.00 New Balance

Made a sale today!

August 1st, 2013 at 04:25 pm

Normally the only time I move my inventory is with the rummage sales, but today I made a sale to a co-worker and made $8.00!

They asked if I had any coupons for Renu Contact Solution, which I did and I gave to them, but then I let them know I had some for sale as well for $4.00 per bottle and they asked for 2! Smile

These sell for $6.99 each at Target, so a good deal for both of us!

I will add the $8.00 to the Mortgage Checking Account.

$20K Update - ING Interest

August 1st, 2013 at 04:05 pm

Current Balance $28,020.00
-$28.00 to ROTH IRA
+$3.00 Even Out Amount
+$15.01 ING Interest
+$49.99 Even Out Amount
New Balance $28,060.00

ING $25,105.00 ($5620.00 Bingo Money)
Home Improvements(cash)$680.00
HSBC $2275.00
Total = $28,060.00