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Archive for February, 2014

$20K Update

February 26th, 2014 at 02:26 am

New Focus = Home Maintenance $5150/$7000

Current Balance $30,000.00
-$28.00 to Roth IRA
+$3.00 Even Out Amount
+$100.00 to Retirement Hold Account
New Balance $30,075.00

ING $26,435.00
Home Improvements(cash)$440.00
HSBC $3200.00
Total = $30,075.00

March 2014 Mortgage Payment

February 26th, 2014 at 02:21 am

Went a little heavy on the mortgage this month....I figured since I already put the monthly deposit in the escrow account from the tax refund I had a lil more flexyness with the mortgage payment. Smile Full steam ahead!!

March 2014 Mortgage Payment

Balance $95,600.00
+$219.08 Interest
-$1218.88 Regular Payment
-$465.20 Principle Payment
-$135.00 Mortgage Checking Principle Payment
New Balance $94,000.00

Escrow Savings Account
$2470.00
+$350.00 Jan Escrow
+$350.00 Feb Escrow
+$350.00 March Escrow
-$2100.00 Property Taxes
+$10.00 Interest and Even Out Amounts
=$1430.00

Mortgage Checking - Coin Deposit

February 26th, 2014 at 02:05 am

Counted up my piggy bank today and added it to the mortgage checking.

$95.00 Balance
+$45.00 Coin
=$140.00 New Balance

$140.00 Balance
-$135.00 March 2014 Principle Payment
$5.00 New Balance

February 2014 Savings Update

February 24th, 2014 at 03:56 am

Got behind on the monthly update, but here it is for February. We got a $800 deposit to our HSA which was a great bump, but then had $1100 in medical bills, so washed that out as soon as we got it. Overall another great month though. Excited for Marchs Savings Update next weekend now that the Deadwood/Tax Return Money is in savings too. Smile

February 2014 Savings Update

Regular Savings:
Home Maintenance ING $4675
Cushion $3210
HSA $10,800
New Patio Door (cash) $440
Escrow $2830
September 2014 $1425
Short Term Emergency Fund $210
Long Term Emergency Fund $1160
New Car $10,265 - Complete
Vacation $3125 - Complete
Anniversary Cruise $3100
Total Regular Savings = $41,240.00

Retirement Savings:
Retirement Hold Account $1590
Roth IRA $8500
Rollover IRA $815
401K $32,900
403B $24,200 (est)
Total Retirement Savings = $68,005.00

Total Savings $109,245

Up $3235 from last month!

CVS Deals Week of 2/16/14

February 24th, 2014 at 02:10 am

Quiet a few good deals at CVS this last week!
Total merchandise, $127.01, my price $13.80!! Without the coke it was $105.05 in merchandise for only $3.80!!


M&Ms Mega (Bought 3)
Regular Price $1.19 Each
-.44 Sale Price Each
*Received .75 EB on 2
*Received $1.00 EB on 1 (My EB didn't print at purchase so they had to reprint it, and it wouldn't let them print it for under $1.00..so I actually made .25 for purchasing that pack!)
Final price - 2 Free and 1 .25 Money Maker!!

Coke 12pks (Bought 4)
Regular Price $5.29 each
-$1.54 Each Sale Price
*Received $5.00 EB on 4
Final Price $10.00 for 4 - 12 packs! Just .20 per can!

Right Guard Body Wash 16oz (Bough 4)
Regular Price $5.49 Each
-$1.49 Each Sale Price
-$1.50 off 2 Body Washes(2)(CVS Coupon Machine Coupon)
-$1.00 Mfr Coupon off 2 RG Body Washes
*Received $4.00 EB for every 2 I bought (2)
Final Price $4.00 Total, $1.00 Each!! (Free on CVS GC)
(Marked $3.00 each for rummage sale)
*ETA - Sold 4 for $10.00 on FB on 3/15/14 ($10.00 Profit)

Revlon Glitter File
Regular Price $2.57
-$3.00 off any Revlon Cosmetic (CVS Coupon Machine Coupon)
Final Price -.43 Money Maker!!
(Marked $1.50 for rummage sale)

Culturelle Probiotic (Bought 3)
Regular Price $25.49 for 2 and $23.99 for 1
-$15.49 Sale Price (2)
-$13.99 Sale Price (1)
*Received $10.00 EB on Each
Final Price - All 3 Free!!
(Marked $6.00 each for rummage sale)
*ETA - Sold 2 for $6.00 each on 3/17/14 to coworker
*ETA - Sold 1 for $5.00 to former coworker on 11/17/14
Profit = $17.00!!

Curel Lotion 1oz (Bought 2)
Regular Price .99
-$1.50 off Any 2 Lotions (CVS Coupon Machine Coupon)
Final Price .24 each! (Free on CVS GC)
(Marked .50 each for rummage sale)
*ETA - Sold 2 for .50 each on 3/17/14 to coworker
Profit = $1.00


Totals so far on CVS $250 Gift Card Challenge
Cost of merchandise = $496.14
My cost on gift cards = $63.86
Paid OOP = $2.73

$20K.....ummmm I mean...$30K Update!

February 20th, 2014 at 04:34 pm

DH and I took $2000 of our tax refund to Deadwood....and came home with $2600!! YEAH! I gave $100 to DH for fun money and then I get to have my kind of fun with the rest! Smile I wanted to put a large chunk of it towards the mortgage, but there are a few things up in the air in life right now, so until things are more in place, we decided to put it in savings. We can always take it out and make a large payment later when things are more secure. But for now YEAH for savings being FULL!

Met 2 of our savings goals for the year with this update!

New Focus = Short Term EF $1000/$1000 - Complete
New Focus = Long Term EF $2000/$2000 - Cpmplete
New Focus = Home Maintenance $5150/$7000

Current Balance $27,455.00
+$700.00 Tax Return/Deadwood to Escrow Account
+$530.00 Tax Return/Deadwood to Short Term EF
+$840.00 Tax Return/Deadwood to Long Term EF
+$430.00 Tax Return/Deadwood to Home Maintenance
+$45.00 to Home Maintenance to reach $30K!!!
New Balance $30,000.00!!!!!!!!!

ING $26,360.00
Home Improvements(cash)$440.00
HSBC $3200.00
Total = $30,000.00!!!!!!!!!!!!

90% off bin at CVS! = Happy VDay to me!

February 14th, 2014 at 07:35 pm

Found some goodies in the 90% off bin at CVS today!!



Total Merchandise was $83.15
-$74.94 Sale Prices
=$8.21

$8.21
-$8.00 EB
-.21 on CVS GC
Total OOP = $0 = Smile Smile Smile

Possible Profit of $30.00!!

I had gone to CVS on my lunch break and when I got back I was showing one of my coworkers my finds and she wanted to buy one of the nail polishes right away, I felt bad charging her more then I had paid, so she just gave me a $1.00 instead of the $3.00 I normally charge at the rummage sale. These were the same polishes I got last year, so I took it off the inventory from last years entry (6/17/13).


Nicole by OPI Selena Gomez Nail Polish (Bought 3)
Regular Price $7.99 Each
-$7.20 Sale Price Each
Final Price - .79 Each!! (Free on CVS GC)
(Marked $3.00 Each for the rummage sale)
*ETA - Sold 1 to coworker for $3.00 on 4/7/14 ($3.00 profit)
*ETA - Sold 1 for $2.50 on FB on 7/25/14 (4 for $10 deal)
*ETA - Sold 1 for $2.50 (4 for $10 deal) to BF coworker on 7/29/14
Profit = $8.00

Maybelline Color Show Fashion Prints Nail Stickers
Regular Price $8.29
-$7.46 Sale Price
Final price .83!! (Free on CVS GC)
(Marked $3.00 for rummage sale)
*ETA - Sold on FB for $3.00 on 3/15/14
Profit = $3.00

Kardashian Beauty - Glisten Up, Hair and Body Shine Spray (Bought 2)
Regular Price $9.99 Each
-$9.00 Sale Price Each
Final Price .99 Each!! (Free on CVS GC)
(Marked $4.00 each for rummage sale)
*ETA - Sold 2 for $4.00 each at 9/4/14 rummage sale
Profit = $8.00

Kardashian Beauty - Sheer Joy, Tinted Lip Balm Duo (Bought 2)
Regular Price $4.99 Each
-$4.49 Sale Price Each
Final Price .49 Each (Free on CVS GC)
(Marked $1.50 each for rummage sale, but may keep one of these)
*ETA - Sold 2 for $2.00 each at 9/4/14 rummage sale
Profit = $4.00

Wide Salon Board Nail Files (Bought 7)
Regular Price $2.99 Each
-$2.70 Sale Price Each
Final Price .27 Each!! (Free on CVS GC)
(Marked $1.00 for rummage sale)
*ETA - Sold 2 for $1.00 each at 9/4/14 rummage sale
*ETA - Sold 2 for $1.00 each on 10/15/14 on FB
*ETA - Sold 1 for $1.00 on 11/8/15 on FB
2 left to sell


Totals so far on CVS $250 Gift Card Challenge
Cost of merchandise = $369.13
My cost on gift cards = $50.06
Paid OOP = $2.73

$20K Update

February 11th, 2014 at 03:39 pm

New Focus = Short Term EF $470/$1000

Current Balance $27,255.00
+$100.00 to Anniversary Cruise
+$100.00 to Retirement Hold Account
New Balance $27,455.00

ING $23,815.00
Home Improvements(cash)$440.00
HSBC $3200.00
Total = $27,455.00

$53.00 "Convenience" Fee ?? - $20K Update

February 10th, 2014 at 03:02 am

Our property taxes are due soon. We can make 2 partial payments through out the year, or pay the balance in full by Feb 15th to get a 5% discount ($97.76). So I am paying now to get the discount. I wanted to put the payment on our Discover card, that would give me another 45 days or so with the money in savings making interest, plus a nice amount towards our Cashback Rewards with Discover. I went on the website to pay, it said there would be a convenience free (I was thinking $5-$10), I got to the checkout, and the fee was $53.26!! WHAT?! Obviously that isn't my kind of convenient...boo! So I just transferred the money out of savings and we will pay by check instead. Taxes were $2113.97 after the discount was subtracteed, I transferred $2100.00 out of savings. What an absurd fee!

We were sooooo close to $30K....UGH!


New Focus = Short Term EF $470/$1000

Current Balance $29,355.00
-$2100.00 Property Taxes
New Balance $27,255.00

ING $23,715.00
Home Improvements(cash)$440.00
HSBC $3100.00
Total = $27,255.00

Mortgage Checking Deposit - Made some side Money

February 9th, 2014 at 11:36 pm

This weekend I worked at an arm-wrestling tournament doing the weigh-ins and bracketing. I was doing this as a favor to my Dad, but I ended up making $50! So I put that into the mortgage checking for March's Principle Payment.

$45.00 Balance
+$50.00 Casino Win
=$95.00 New Balance

CVS Deals Week of 1/23/14

February 9th, 2014 at 11:21 pm

Got behind on getting these ones up, but here are my deals from last week.



Fuze Juice 16.9oz
Regular Price $1.69
-$1.69 (Buy any juice or candy for free under $2.00)
(I got this coupon in my email box from CVS)
Final Price - $0!!

Purex Detergent 50oz
Regular Price $6.29
-$3.30 Sale Price
-$1.00 Mfr Coupon
Final Price $1.99!! (Free on CVS GC)

I-Cool Tablets for Menopause 30 tablets
Regular Price $21.49
-$11.49 Sale Price
*Received $10.00 EB
Final Price = $0!!
(Marked $8.00 for rummage sale)
*ETA - Gave this item away as it was expired

Estroven Energy 40 tablets (Bought 2)
Regular Price $22.49
-$12.49 Sale Price Each
*Received $10.00 EB Each
Final Price = $0!!
(Marked $8.00 each for rummage sale)
*ETA - Sold 1 for $8.00 at 9/4/14 rummage sale
1 left to sell

Totals so far on CVS $250 Gift Card Challenge
Cost of merchandise = $285.98
My cost on gift cards = $41.85
Paid OOP = $2.73

$20K Update - State Tax Return

February 8th, 2014 at 02:59 am

New Focus = Short Term EF $470/$1000

Current Balance $29,095.00
+$260.00 State Tax Return
New Balance $29,355.00

ING $25,815.00
Home Improvements(cash)$440.00
HSBC $3100.00
Total = $29,355.00

$20K Update - Federal Tax Return is here! Hit $29K!

February 6th, 2014 at 06:04 pm

Our Federal Return was received in our checking account this morning! YEAH! It was $2308.00....we are taking $2000 to Deadwood next weekend (not sure what we are doing with what we bring back yet). And I put the $308 into savings...I rounded up to meet the Sept 2014 Savings Goal. YIPEE!! Also hit $29K...it will only be for a min since we have to pay the Property Taxes next week, but if we bring home a decent amount from Deadwood we will still be right up there....been a long time that I have been sniffing at the door of $30K.... Smile

New Focus = Sept 2014 $1800/$1800 - Goal Met!!
New Focus = Short Term EF $210/$1000

Current Balance $28,720.00
+$308.00 From Federal Tax Return
+$2.00 Even Out Amount
+$65.00 To meet Sept 2014 Goal
New Balance $29,095.00

ING $25,555.00
Home Improvements(cash)$440.00
HSBC $3100.00
Total = $29,095.00

$20K Update - ING Interest

February 4th, 2014 at 07:30 pm

New Focus = Sept 2014 $1425/$1800

Current Balance $28,785.00
+$17.86 ING Interest
+$27.14 Even Out Amount
-$112.00 to ING Roth IRA
+$2.00 Even Out Amount
New Balance $28,720.00

ING $25,180.00
Home Improvements(cash)$440.00
HSBC $3100.00
Total = $28,720.00

CVS Deals Week of 2/2/14 - Money Makers!!

February 3rd, 2014 at 08:16 pm



Jergens Lotion 3oz (Bought 6)
Regular Price $2.57 Each
-$2.00 off 2 Lotions (CVS Coupon Machine Coupon)
*Received $5.00 EB when you buy ANY 2 Jergens (Received 3 EBs)
Final Price = -$1.58 Money Maker!! Made .26 for each bottle I bought!!
(Marked $1.50 each for rummage sale)

Colgate Total Travel Size 4 Packs (Bought 6)
Regular Price $3.39 Each
-$2.25 off Colgate Total(3)(CVS Coupon Machine Coupon)
*Received $3.00 EB on each (Received 6 EBs)
Final Price -$4.41 Money Maker!! Made .74 for each 4pk I bought!!
(Marked $2.00 each for rummage sale, if they don't sell in the 4pks I may open them up and sell for .50 each for the small tubes)
*ETA - Sold 2 4pks for $2.00 at 9/4/14 rummage sale
*ETA - Sold 7 individual tubes for .50 each at 9/4/14 rummage sale
*ETA - Sold 1 4pk for $2.00 on FB on 12/1/14
5 individual tubes remaining

Skintimate Shave Gel (Bought 3)
Regular Price $3.79
*Received $2.00 EB on each (Received 3EBs)
Final Price $1.79! (Free on CVS GC)
(Keeping these)

Glade Customizable Scented Oil Plugin Starter Kit
Regular Price $10.99
-$5.99 Sale Price
-$3.00 Mfr Coupon
-$1.50 CVS Coupon Machine Coupon
Final Price = .50!! (Free on CVS GC)
(Kept this)

Softsoap Bodywash 18oz (Bought 2)
Regular Price $4.79
-$1.79 Each Sale Price
-$1.00 CVS Coupon Machine Coupon
*Received $2.00 EB on 2
Final Price = $1.50 each! (Free on CVS GC)
(Marked $3.00 each for rummage sale)
*ETA - Sold 2 for $2.50 each on 3/17/14 (in a 4 for $10 deal) to a coworker = $5.00 Profit!

Potential profit of $32.00!!!


Totals so far on CVS Gift Card Challenge
Cost of merchandise = $211.53
My cost on gift cards = $39.86
Paid OOP = $2.73

Mortgage Checking Update - Mini Casino Win

February 2nd, 2014 at 09:38 pm

DH and I went and spent Saturday night at the casino. Had a nice relaxing time and even came home $40 ahead. Smile Stuck the $40 in the mortgage checking account for March's principle. Also had a lot of change that I put in the piggy bank...probably about $10 worth.

Now time to get ready for the Super Bowl! (and by that I mean time to get ready to eat!)

$5.00 Balance
+$40.00 Casino Win
=$45.00 New Balance