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Archive for June, 2014

Update on ME

June 26th, 2014 at 10:22 pm

Continuing to get things done in the process of getting divorced.

-Opened my own checking
-Opened my own savings in town
-Opened my own ING Savings
-Helped DH open his ING Savings
-Closed HSBC Savings into ING Savings
-Opened my own Discover Card
-Potential roommate came and looked at the house and will be getting back to me on if/when she can move in, she needs to talk to her current roommates to figure this out.
-Appraisal came in on house so now just waiting for the closing date for the house to be done

Definitely getting things moving. Things with X have not been going great. I have been seeing a guy friend I knew 10 yrs ago who randomly came back into my life. I wasn't expecting this, but he is a great relief right now to have someone to talk to. He has also been divorced and has been giving me a lot of advice and guidance on dealing with things and also been nice to have someone to make me laugh and smile. X is less then thrilled with this....understandable....but YOU are the one that wanted the divorce so what did you think was going to happen?? Well, anyways I wanted to check in with everyone on how I am doing. Been super busy but doing alright and things are moving in the right direction.

90% Off Nail Polish Bin

June 24th, 2014 at 08:53 pm

Went to CVS today and they had TONS of polishes in the 90% off bin. My Mom was with me so we split it and I still got 27 polishes!

I got $142.02 worth of polish for $9.02!!



Nicole by OPI Modern Family Polish (Bought 2)
Regular Price $7.99
-$7.19 Clearance Price Each
-.11 CVS CMC Coupon ($3.00 off $5.00 Makeup Purchase)
Final Price .69 Each!! (Free on CVS GC)
(Marked $3.00 each for rummage sale)
*ETA - Sold 1 for $3.00 on 7/25/14 on FB
*ETA - Sold 1 for $3.00 at 9/4/14 rummage sale
Profit = $6.00

Sally Hansen Insta Dry Polish (Bought 12)
Regular Price $5.49 Each
-$4.94 Clearance Price Each
-.11 CVS CMC Coupon ($3.00 off $5.00 Makeup Purchase)
Final Price .44 Each!! (Free on CVS GC)
(Marked $3.00 each for rummage sale)
*ETA - Sold 2 for $2.50 Each on FB on 7/25/14 (4 for $10 deal)
*ETA - Sold 1 for $3.00 on FB on 7/25/14
*ETA - Sold 8 for $2.50 each on FB on 7/29/14 (4 for $10 deal)
*ETA - Sold 1 for $3.00 at 9/4/14 rummage sale
Profit = $31.00

Sally Hansen Hard as Nails Xtreme Wear (Bought 11)
Regular Price $3.29 Each
-$2.96 Clearance Price Each
-.11 CVS CMC Coupon ($3.00 off $5.00 Makeup Purchase)
Final Price .22 Each!! (Free on CVS GC)
(Marked $3.00 each for rummage sale)
*ETA - Sold 7 for $3.00 each at 9/4/14
*ETA - Sold 1 for $3.00 at 9/23/16 rummage sale
3 left to sell

Sally Hansen I Heart Nail Art Striper (Bought 1)
Regular Price $3.99
-$3.59 Clearance Price Each
-.11 CVS CMC Coupon ($3.00 off $5.00 Makeup Purchase)
Final Price .29 Each!! (Free on CVS GC)
(Marked $3.00 each for rummage sale)
*ETA - Sold for $3.00 at 9/4/14 rummage sale
Profit = $3.00

Sally Hansen Salon Gel Polish (Bought 1)
Regular Price $12.99
-$11.69 Clearance Sale Price Each
-.11 CVS CMC Coupon ($3.00 off $5.00 Makeup Purchase)
Final Price $1.19 Each!! (Free on CVS GC)
(Marked $6.00 each for rummage sale)
*ETA - Sold for $6.00 at 5/5/17 rummage sale
Profit = $4.81

Covergirl Wetslick Lipgloss (Bought 1)
Regular Price $6.99
-$3.50 50% Clearance Price
-$2.00 Mfr Coupon
Final Price $1.49!! (Free on CVS GC)
(Keeping this)

CVS Deals Week of 6/15/14 - Crest Money Maker!

June 20th, 2014 at 09:37 pm

Got a couple more deals this week.


Charmin Basic Huge Roll (Bought 6)
Regular Price $1.57 Each
-$3.00 CVS CMC $3.00 off 2 Charmin (3)
Final Price .07 Each!! Great price on TP!!

Crest 3D White 4oz (Bought 2)
Regular Price $4.39
-$1.40 Sale Price Each
-$1.00 off 2 Mfr Coupon
-$2.00 CVS CMC $2.00 off 2 Crest
*Received $2.00 EB Each
Final Price = -.51!! Money Maker of .51 on each!!
(Marked $2.50 each for rummage sale)

DenTek On-The-Go Brush+Floss Kit (Bought 1)
Regular Price $1.99
-$1.50 Clearance Price (75% off)
Final Price = .49!! (Free on CVS GC)
(Marked $1.50 for rummage sale)
*ETA - Sold for $1.50 at 9/4/14 rummage sale
Profit = $1.50


I did the Colgate deal again on another card:

Colgate SpongeBob Squarepants 4.6oz (Bought 4)
Regular Price $3.59
-$2.15 Sale Price Each
Price Before Coupons = $1.44 Each

Colgate Kids 2 in 1 Strawberry Toothpaste and Mouthwash (Bought 4)
Regular Price $3.99
-$2.55 Sale Price Each
Price Before Coupons = $1.44 Each


So I got 8 Toothpastes for $1.44 each = $11.52
-$2.00 CMC $2.00 off $10.00 Oral Care Purchase
-$2.00 off any 2 Colgate Coupon
-$2.00 off any 2 Colgate Coupon
-$2.00 off any 2 Colgate Coupon
-$2.00 off any 2 Colgate Coupon
Final Price = $1.52 for 8 Toothpastes!! Just .19 Each!! (Free on CVS GC)

Colgate SpongeBob (4) (Marked $1.50 each for rummage sale)
*ETA - Sold 4 for $1.50 each at 9/4/14 rummage sale
Profit = $6.00

Colgate Kids 2 in 1 Strawberry (Marked $2.00 each for rummage sale)
*ETA - Sold 3 for $2.00 each on FB on 11/2/15
*ETA - Sold 1 for $2.00 on FB on 11/8/15
Profit = $6.00

To Do Week of 6/21/14

June 19th, 2014 at 02:58 pm

I have all of next week off of work (I always take the whole week of my birthday off Smile ).
So time to get some junk done again! I have a lot of things left to do from my last list, but it just seems to NEVER end right now! So here is what I have so far....

Bedroom
( )Laundry
( )Clean out/vacuum XH closet
( )Move summer clothes into MY 2nd closet
( )Reorganize my fall/winter clothes closet
Bathroom
( )Take out garbage
( )Take out items for XH to take from medicine cabinet
( )Re-oragnize MY extra cabinets
Office
( )File
( )Move 2013 files to permanent file
( )Finish cleaning toys
( )Finish marking toys
( )Enter Coke Points
( )Enter Special K Points
( )Vacuum
Kitchen
( )Wash Dishes
( )Clean off counters
( )Clean off table
( )Clean out fridge (I just did this, but just reorganize and keep clean)
( )Clean off top of fridge
( )Sweep Floor
( )Mop Floor
( )Organize recycling bins
( )Wash new dishes
( )Pack up old dishes for XH
( )Go through/separate small kitchen appliances
Landing
( )Make Calendar for July
( )Put away shoes
( )Sweep
( )Mop
Garage
( )Clean out
( )Sweep
( )Spray out garage
Yard
( )Mow Lawn
( )Mow Lawn Again
( )Clean Hot Tub (I have to do this again because XH ordered the wrong cover, which is too small, so now dirt already blew in there, but now I have a tarp to put under the cover so it won't get dirty fast again)
( )Clean out rock bed and lay plastic
( )Take garbage and recycling to curb
( )Trim bushes in front yard
( )Trim tree in backyard
Other
( )Al-Anon Meeting
( )Wax Eyebrows
( )Paint toe nails
( )$50K - $100K Updates for WIR
( )$100K Updates for WIR
( )Get bike in working order
( )Pick out new glasses
( )Dental apt - Monday
( )Take back library books and get new ones
( )Blog CVS Deals
( )Blog FB Sales
Extra Bedroom #1
( )Pick up room
( )Throw out broken dresser
( )Dust
( )Vacuum
Extra Bedroom #2
( )Pick up extra bedroom
( )Organize closet in extra bedroom
( )Vacuum extra bedroom
Workout Everyday
( )Saturday -
( )Sunday -
( )Monday -
( )Tuesday - Softball
( )Wednesday -
( )Thursday - Softball
( )Friday
( )Saturday - Softball
( )Sunday
Fun
( )Go play Bingo
( )Go to some rummage sales
( )Go to a movie
( )Eat Ice Cream!

Banker Gurl - Softball Studmuffin!

June 18th, 2014 at 03:01 pm

Obviously with everything being such a mess in my life right now my head has been scrambled. It's been effecting everything (forgot to pay some bills, tried to take the TV remote outside with me to mow the lawn, start driving to one place and end up somewhere else). It's also been effecting my softball a lot. I've been doing good with my defense, but have been a headcase with batting...I get on base, but not even close to my normal batting and haven't felt comfortable with my swinging.

Last night one of the girls on my team (who I told last week I am getting divorced) was telling me I am just thinking about it (batting) too much. I said My mind is such a mess, I can't do anything right now. She said just go up there and think "F it". About all of it...just think "F it" and I did!

First game I was 3-4, one hit away from hitting for the cycle (I missed the double). Second game 4-4. I hit 2 HRs in one night! I usually only hit 3-5 a season! So EXCITED! Again my HRs are not over the fence...I'm not very big, but I can hit it far enough over their heads and run fast enough that I can get all the way home. In the park or not I will take em! YEAH!

I opened MY new checking account

June 16th, 2014 at 05:28 pm

I went to the bank and opened my new checking account today. Also closed the mortgage checking account. I put in $100 from our joint checking (and gave DH a $100 to open his new checking). I also had $600 from a bonus I got and DH said I could take that money for myself, so now I have $700 in there.

Had an AWFUL day with DH. I am just so full of anger right now. He is still not owning up to friends and family about his actions....but throws me under the bus every chance he gets. I talked to his BF today who he supposedly "told everything to" and he didn't know the half of it.....as an example...DH likes to say "I texted inappropriately" Ummmm....NO! You texted MY COUSIN/BF what you wanted to do to her, and when she said "No...Banker Gurl is gonna kill you"....you said "Banker Gurl doesn't have to know". Just own up to what you did and stop acting like you just did tiny little things! (This is just an example...there are lots more and lots worse).

We have been dealing with this for 7 months and he has still not told either of his parents ANYTHING! They have no idea there are any problems and DH is just gonna drop on them that he is divorced.....wow, they are really gonna love that. They live 8 hrs away and are both alcoholics and I have thought about trying to call them, but who knows when they are coherent enough to comprehend, and he is their baby boy after all so I don't think anything good would come of it. I am sure they will blame it all on me....his mother has never cared for me (she showed up to our wedding wasted and yelled at me about the place cards until I cried....YES that happened!), his Dad loves me but I am not his child.

I called his sister a few weeks ago and she wouldn't talk to me.....of course DH told her my mistakes but neglected to mention any of his numerous problems, lies, cheating etc. Makes me SO, SO, SO mad. I know DH will tell only what makes him look like the less evil and sugarcoat all his wrong doings.

I told him this today when he was getting some more of his stuff. Got in huge fight and ended with him "Lets not talk anymore" Me "Finally we agree on something, have a nice life".

UGH. Whatever. Guess I know the truth and that is all I can deal with. Can't worry about all his friends and family that he lies to, most know the truth anyways since DH has cheated in front of lots of them in someway/shape/form.

But anyways glad to have one more thing done on the financial list. Checks are ordered (free from bank) and now my account is all set to go when I am ready for it.

$20K Update

June 16th, 2014 at 06:46 am

Apparently I never stopped the auto-deposit to the Anniversary Cruise Fund. Frown Guess I shouldn't be surprised anymore at another thing I forgot to do....so anyways here is a deposit for that. I plan on closing that account as soon as that deposit clears.
I also moved the $440 I had in at home savings to ING. I want to get everything into ING for now for ease when seperating.

Current Balance $32,245.00
+$100.00 to HSBC Anniversary Cruise
-$440.00 from Home Improvements (Cash)
+$440.00 to ING
+$15.00 Even Out Amount
Balance $32,360.00

ING $28,760.00
HSBC $3600.00
Total = $32,360.00

Trying to get back into FB Sales

June 15th, 2014 at 07:32 pm

I am trying to get back into selling items on FB. I am keeping this money for myself as this is something I am doing on my own and separate from my normal paychecks and DH. I will keep it to the side for now and once everything is done then I will put it towards the house. So far I have $31.50. I have a buyer for a bunch of make-up on Tuesday, if she buys everything she has said she wants it will be $35! So we will see!

Sale #16 (PRM) - $20.00

Discounted items from CVS
Dove Bodywash - I paid $3.00(Free on CVS GC)
Sold for $5.00 = $5.00 Profit

Right Guard Bodywash (2) - I paid $2.00 each (Free on CVS GC)
Sold for $2.50 each = $5.00 Profit

Dial Bodywash (4) - I paid $1.50 each for 2 (Free on CVS GC) and .49 OOP for one, one was my Moms.
Sold in a 4 for $10 deal = $7.01 Profit! ($2.50 for Mom)

Total Profit on this sale for me was $17.01!


Sale #17 (RB) - $10.00

Free Curbside Items
Blue Playskool Rider $10.00 = $10.00 Profit


Sale #18 (MJ) - $1.50

Free Curbside Items
Elmo Socks $1.50 = $1.50 Profit


So far I have made $21.50 off the "garbage" my neighbors threw away!



CVS Deals Week of 6/15/14

June 15th, 2014 at 04:08 pm

Found some really good deals on Colgate this week!


Colgate Baking Soda and Peroxide Whitening 6.4oz (2)
Regular Price $3.59
-$2.15 Sale Price Each
Price Before Coupons = $1.44 Each

Colgate SpongeBob Squarepants 4.6oz (Bought 2)
Regular Price $3.59
-$2.15 Sale Price Each
Price Before Coupons = $1.44 Each

Colgate Kids 2 in 1 Strawberry Toothpaste and Mouthwash (Bought 4)
Regular Price $3.99
-$2.55 Sale Price Each
Price Before Coupons = $1.44 Each

So I got 8 Toothpastes for $1.44 each = $11.52
-$2.00 CMC $2.00 off $10.00 Oral Care Purchase
-$2.00 off any 2 Colgate Coupon
-$2.00 off any 2 Colgate Coupon
-$2.00 off any 2 Colgate Coupon
-$2.00 off any 2 Colgate Coupon
Final Price = $1.52 for 8 Toothpastes!! Just .19 Each!! (Free on CVS GC)

Colgate Baking Soda and Peroxide (Marked $2.00 each for rummage sale)
*ETA - Sold 2 for $2.00 at 9/4/14 rummage sale
Profit = $4.00

Colgate SpongeBob (2) (Marked $1.50 each for rummage sale)
*ETA - Sold 1 for $2.00 on 6/27/14 on FB (I was selling for $1.50, but when she picked it up she gave me $2.00 and didn't want her change??)
*ETA - Sold 1 for $1.50 at 9/4/14 rummage sale
Profit = $3.50

Colgate Kids 2 in 1 Strawberry (4) (Marked $2.00 each for rummage sale)
*ETA - Sold 1 for $2.00 at 9/4/14 rummage sale
3 left to sell

Sally Hansen Extreme Wear (Bought 4)
Regular Price $3.29 Each
-$1.65 off 2 for BOGO 50% off sale
-$2.00 CMC $2.00 off Sally Hansen Polish
-$2.00 CMC $2.00 off Sally Hansen Polish
Final Price = $1.46 each (Free on CVS GC)
(Marked $3.00 each for rummage sale)
*ETA - Sold 4 for $3.00 each at 9/4/14 rummage sale
Profit = $12.00

Softsoap Bodywash (Bought 2)
Regular Price $4.49 Each
-.49 Sale Price
-$3.00 CMC $3.00 off 2 Softsoap
*Received $2.00 EB
Final Price = $3.00 for 2, $1.50 Each! (Free on CVS GC)
(Marked $3.00 each for rummage sale)
*ETA - Sold for $2.50 Each on FB on 7/2/14 (6 for $15 deal)
Profit = $5.00

Couple lil grabs at CVS

June 14th, 2014 at 08:12 pm

Picked up a few more dealies at CVS this week.


I mentioned earlier that I have seen a lot of items in the trial size area that are on clearance. I got some good deals on those today.

Speed Stick Deodorant 1.8oz (Bought 4)
Regular Price $2.99 Each
-$2.25 (75% off Clearance Each)
-$1.00 CVS CMC $1.00 off $4.00 Deodorant Purchase
Final Price .49 Each! (Free on CVS GC)
(Marked $1.00 each for rummage sale)
*ETA - Sold 4 for $1.00 each at 9/4/14 rummage sale
Profit = $4.00

Lady Speed Stick .5oz (Bought 2)
Regular Price $1.27
-.32 (25% Clearance Price Each)
Final Price .95 Each! (Free on CVS GC)
(Keeping these)

Normally I wouldn't buy these unless I get them for free, but I needed more deodorant to have enough to use the $1.00 off $4.00 deodorant purchase and they didn't have anymore regular Speed Stick in the clearance bin. Still a decent price as I use these a lot for my gym bag, softball bag, at my desk at work etc. The profit I will make on the Men's deodorants will essentially make the ones I am keeping for myself FREE!

Lubriderm 1oz Lotions (Bought 4)
Regular Price $1.19
-.60 Each (50% Clearance Price Each)
-$2.00 CVS CMC $2.00 off 2 Body Lotions
Final Price - .09 Each!! (Free on CVS GC)
(Marked .50 each for rummage sale)
*ETA - Sold 4 for .50 each at 9/4/14 rummage sale
Profit = $2.36

Almay Shadow Softies Eyeshadow (Bought 4)
Regular Price $4.99 Each
BOGO 50% off sale
=$3.74 Each
-$4.00 Mfr Coupon (2)
-$3.00 CVS CMC $3.00 Almay Purchase
Final Price = .25 Each! (Free on CVS GC)
(Marked $2.50 each for rummage sale)
*ETA - Sold 1 for $2.50 on FB on 9/27/14

Covergirl Outlast Nail Polish (Bought 1)
Regular Price $5.99
-$3.00 Clearance Price (50% off)
-$1.00 Mfr Coupon
-$2.00 CVS CMC $2.00 off $10 Makeup Purchase
Final Price = FREE!
(Marked $3.00 for rummage sale)
*ETA - Sold for $2.50 (4 for $10 deal) to BF coworkers on 7/28/14
Profit = $2.50

Bengay Pain Relieving Cream 2oz
Regular Price $6.49
-$1.00 Sale Price
-$1.00 Mfr Coupon
*Received $3.00 EB
Final Price $1.49! (Free on CVS GC)
(Marked $3.50 for rummage sale)
*ETA - Sold for $3.50 at 9/4/14 rummage sale
Profit = $3.50

Depressing Days and Scatterbrainedness

June 14th, 2014 at 05:01 pm

So I recently found out that I didn't pay my Discover bill last month....or my water bill. HUH?!

Not like me AT ALL. Guess with all the stress I am losing my marbles. I got a late fee from Discover but when I called them they took the fee off right away since I have an excellent payment history. I know they have automatic payment options on their website so I guess maybe it is time I signed up for that.

No late fee on the water bill, I made sure I paid it right away so last month and this month are paid.

Now that I have accepted that there is no chance of reconciliation things have been going better with DH. I don't have to feel in limbo anymore or wonder what is going to happen. We have been doing ok at taking baby steps into the friend zone.

Then last night he showed up at 12:30am, obviously been drinking. Wants to "cuddle". Guess what? I want to cuddle too...I'm lonely and sad and depressed. Turns out we have very different definitions of cuddling. DH did not get his kind of cuddling. So anyways, now today I feel like I took a huge leap backwards in getting my head on straight. I shouldn't have let him stay. Should have told him to leave. Should have yelled at him. SIGH.

He texted numerous times today that he is sorry and shouldn't have done that and that he won't do it again, he knows it was wrong to come over...blah, blah, blah. I have had a sore throat for a few days and so he brought me ice cream today too.

As much as I don't want to make space between us...he knows I am getting lots of attention from other men now (99.9% unwanted attention) that they know I am single and I think that may have been a large factor in his actions yesterday. I am going to just have to be an ass and make my own rules and follow them. No more coming over when you want, even if it is to pack or do laundry or fix something for me or whatever. No more house key. No more garage door opener. And no more calling and texting all the time. Frown

Tomorrow is my 7 year wedding anniversary. Heartdaggers.

$20K Update

June 10th, 2014 at 06:49 am

I am starting to slowly get funds moved around to get ready for them to be separated. I had $95 in the Mortgage Checking Account, so I moved $90 of that to ING Savings. I also have the cash savings at home that I need to put in there, and I will be closing the HSBC savings into ING as well. Hoping to get all of those done this week. Then all of the savings is with ING and will be easily split.

Current Balance $32,345.00
+$90.00 From Mortgage Checking
+$8.00 Even Out Amount
+$2.00 Even Out Amount
-$200.00 to Roth IRA
Balance $32,245.00

ING $28,305.00
Home Improvements(cash)$440.00
HSBC $3500.00
Total = $32,245.00

My first week EVER without cable

June 8th, 2014 at 04:10 pm

Today is one week without cable, and it went great!

I am not home too much between work, OT and softball. When I am home I have lots of cleaning, reorganizing and yard work to do, and I prefer to listen to music rather then watch TV. I did watch 4 movies this week, and season 1 of The Office(I have all of The Office, Friends and Sex and the City on DVD, so just those would keep me occupied). I have Netflix still but didn't watch it much other then a few episodes of Frasier before bed. But that will for sure keep me busy when I do feel like watching TV shows.

I also have finally been getting to read more which is nice too. Smile

I am super happy I decided to cancel it, this will save me $50 a month!

CVS Deals Week of 6/8/14

June 8th, 2014 at 12:24 pm


Xtra Laundry Detergent 45oz (Bought 21)
Regular Price $2.99 Each
-$1.50 Sale Price Each
*Received $10 Giftcard for spending $30 on select products
Final Price $1.01 each for 21 bottles!!
That comes out to .03 per load!!

This is enough laundry detergent to last me about 4-5 years....I only have to do about 2 loads per week. One for my normal clothes and 1 for my softball/workout clothes, then a load of towels/washcloths every 2 weeks or so.

Speed Stick Gear Deodorant 3oz (Bought 4)
Regular Price $5.49 Each
-$1.49 Sale Price Each
-$4.00 CVS Coupon Machine Coupon off Gear Deodorant (Had 2 of these coupons...wish I had more!)
*Received $2.00 EB for every 2 I bought (2)
Final Price $1.00 Each! (Free on CVS GC)
(Marked $2.50 Each for rummage sale)
*ETA - Sold 2 for $2.50 each at 9/4/14 rummage sale
*ETA - Sold 1 for $2.50 on 9/27/14 on FB
1 left to sell

June Test Budget Month - One Week Check In

June 8th, 2014 at 11:59 am

Test Budget:
Mortgage $1005
Heat/Air/Electric $150
Water $50
Cellphone $50
Gym $25
Internet $50
Car Insurance $50
Fuel $100
Groceries $100
Netflix $15
Going out/beer $75
Unaccounted Expenses $55
CVS $25

Total Expenses $1700

Actual so far
Mortgage $1005 (Estimated for after refi)
Heat/Air/Electric ?
Water ?
Cellphone ?
Gym ?
Internet ?
Car Insurance $50 (Estimate as I don't know how this will change yet)
Fuel $42.06
Groceries $0 so far
Netflix ?
Going out/beer $57.67 (Wendys $3.62, Paradiso $18.46, Taco Johns $7.05, Captain Freddies $28.54)
Unaccounted Expenses $150.29 (Lawn Mower Battery $150.29)
CVS $24.90 ($24.90 Laundry Detergent)

So far I am almost at my max for eating out (and it's only the 8th!), way over on the Unaccounted for expenses (and I know there will be more). Other categories are good so far. Will definitely need to make adjustments. Doing my best to have no spend days.