<< Back to all Blogs
Login or Create your own free blog
Layout:
Home > Archive: June, 2015
 

Archive for June, 2015

Spring Clearance at CVS!

June 30th, 2015 at 03:14 pm

My Mom and I both found some 75% off clearance at CVS on spring items. These will all be joint purchases. I don't have a pic of most of it as I sold a lot already, but here is the breakdown:


Windchimes (Medium Sz) (Bought 6)
Regular Price $7.99
-$6.00 Clearance Price
Final Price = $1.99 ($2.12 after tax)
(Marked $5.00 each for rummage sale)
*ETA - Sold all 6 for $5.00 each on FB on 6/22/15
Profit = $17.28

Windchimes (Large Sz) (Bought 1)
Regular Price $9.99
-$7.50 Clearance Price
Final Price = $2.49 ($2.65 after tax)
(Marked $5.00 for rummage sale)
*ETA - Sold for $5.00 on FB on 6/22/15
Profit = $2.35

Windchimes (Large Sz) (Bought 3)
Regular Price $14.99 each
-$11.24 Clearance Price
Final Price = $3.75 ($3.99 after tax)
(Marked 2 for $10.00 each for rummage sale)
*ETA - Kept 1 for a gift to DF Grandma
*ETA - Sold 1 for $10.00 on FB on 6/22/15
*ETA - Sold 1 for $4.00 to my Auntie
Profit = $6.02

Rain Boots (Bought 3)
Regular Price $19.99 each
-$15.00 Clearance Price
Final Price = $4.99 each ($5.31 after tax)
(Marked $10.00 each for rummage sale)
*ETA - Sold 2 for $10.00 each on FB on 7/1/15
*ETA - Sold 1 for $10.00 on FB on 8/2/15
Profit = $14.07

Watering Cans (Bought 7)
Regular Price $3.99
-$3.00 Clearance Price
Final Price = .99 ($1.05 after tax)
(Marked $2.50 each for rummage sale)
*ETA - Sold all 7 for $2.50 each on FB the week of 6/22/15
Profit = $10.15

Gardening Stakes (Bought 6)
Regular Price $5.99
-$4.50 Clearance Price
Final Price = $1.49 ($1.59 after tax)
(Marked $4.00 each for rummage sale)
*ETA - Sold all 6 for $3.00 each on FB on 6/22/15 (I made a deal with her to do $3.00 instead of $4.00 since she was taking all of them)
Profit = $8.46

Mini Gardening Stake (Bought 1)
Regular Price $4.99
-$3.74 Clearance Price
Final Price = $1.25 ($1.33 after tax)
(Marked $2.50 for rummage sale)
*ETA - Sold for $2.50 on FB on 6/22/15
Profit = $1.17

Garden Trowels (Bought 9)
Regular Price $2.99
-$2.24 Clearance Price
Final Price = .75 (.80 after tax)
(Marked $1.50 each for rummage sale
*ETA - Sold 2 for $1.50 each on FB on 6/22/15
*ETA - Sold 6 for $1.50 each on FB on 7/19/15

Large Sun Decorations (Bought 4)
Regular Price $19.99
-$15.00 Clearance Price
Final Price = $4.99 ($5.31 after tax)
(Marked $12.00 each for rummage sale)
*ETA - Sold all 4 on FB the week of 6/22/15
Profit = $26.76

Butterfly Dome (Bought 1)
Regular Price $14.99
-$11.24 Clearance Price
Final Price = $3.75 ($3.99 after tax)
(Marked $8.00 for rummage sale)
*ETA - Sold for $8.00 on FB on 7/5/15
Profit = $4.01

Glass Lanterns (Bought 2)
Regular Price $9.99
-$7.50 Clearance Price
Final Price = $2.49 ($2.65 after tax)
(Marked $5.00 for rummage sale)
*ETA - Sold 1 for $6.00 on FB on 10/21/16

First update on paying down the debt

June 28th, 2015 at 09:02 pm

I want to do updates to the debt every 2 weeks (DF's Paydays). I added to the list my David's Bridal Card (just using for a few wedding items, including my dress and shoes. It is 0% for 6 months and will be paid off before the due date) as well as my mortgage so we can see the whole picture.

**Does anyone know how I can add another column? I would like to list Original Amount, Last Update, and Current, but having trouble on how to make more columns beyond left/center/right. TIA!**

Debt
Original
(6/19/15)
New Balance
(6/28/15)

Student Loan
$93.97
$0

Payback Banker Gurl
$500.00
$400.00

David's Bridal
$275.30
$250.00

Scheels Card
$929.90
$929.90

Total Rewards
$3955.66
$3955.66

LOC US Bank
$4994.05
$4994.05

Ring Ideal
$9334.87
$9334.87

Store Loan
$14,560.82
$14,450.82

HELOC
$30,324.70
$30,324.70

DF Mortgage
$89,431.91
$89,431.91

My Mortgage
$159,990.00
$159,990.00

Totals
$314,391.18
$313,692.18

$20K Update

June 28th, 2015 at 08:30 pm

Current Balance $25,195.00
+$25.00 DF Payday to Joint Savings
+$87.00 Coin Deposit to Joint Savings
+$73.00 DF Chip Money to Joint Savings
+$40.00 Just Because to Joint Savings
+/-$930.00 Moved from My Savings to Joint Savings
Balance $25,420.00

Local Savings $1895.00
Capital 360 Savings $19,995.00
Joint Capitol 360 Savings $3530.00
Total Savings = $25,420.00

52 Week Challenge
Week 26 $325(total) + $26(deposit) = $351

Great Clearance Deal at Famous Footwear

June 24th, 2015 at 02:54 pm



I got 2 prs of these tan/cheetah ones and one black.

I found this great clearance deal at Famous Footwear! I had to double check with the cashier cause I couldn't believe these were only $1.00 each!

Dearfoam Slippers (Bought 3)
Regular Price $27.99
-$26.99 Clearance Price Each
Final Price = $1.00 each!!
(Marked $12.00 each for rummage sale)
*ETA - Sold 1 for $10.00 on FB on 2/27/17


June 2015 Mortgage Payment - Under $160K!

June 24th, 2015 at 12:47 pm

Oops I see I didn't get my June Mortgage payment posted, here it is! Under $160K!

June 2015 Mortgage Payment

Balance $160,550.00
+$484.99 Interest
-$768.45 Regular Payment
-$276.54 Principle Payment
New Balance $159,990.00

So this will be my last principle payment for a loooooong time, other then paying down to the next $10 mark (I still need to keep my # OCD in check...lol). So I am glad I made it under $160K before the extra payments slowed down.

DF's Debt and our plan to attack it!

June 22nd, 2015 at 01:07 pm

Please read the entry before this one to see additional info on this topic! Smile

So here is DF's Debt, it is listed in the order that we plan to pay it off. We are also checking to see if he can condence any more debt into the store loan since that is at 2% interest.

Sorry I don't know how to insert a chart on this boards.


Creditor - Interest - Min Payment - Balance
Student Loan---?%---$50.00--$93.97
Banker Gurl----0%---$0------$500.00
Scheels Card--25.24%--$25.00-$929.70
LOC US Bank--21.9%--$123.66--$4994.05
Total Rewards Card--17.99%--$50.00--$3955.66
Ideal - My Ring-9.99%--$213.00--$9334.87
HELOC--under 4%-----$332.54--$30,324.70
Store Loan--2%--$121.20 per paycheck--$14560.82
Mortgage--under 4%---$682.96---$89431.91
Total Minimums = $1598.36 Total Debt $153625.68

How did he get here?
-He had to pay off his ex as they had a house together which he kept and had to pay her out for equity, that is how get got the HELOC.
-After his breakup he stopped caring for awhile (understandable to some degree) and spent what he wanted when he wanted and didn't worry about damage control.
-Gambling
-Many, many car, truck and boat repairs
-General overspending on me (taking me out to eat, trips, expensive gifts, wedding ring etc.) Had I known his actual financials I would have put a kabosh to that in a hurry. In no way did I want to contribute to his debt, but nothing we can do about the past.

We have discussed all the things that happened that caused him to get into debt, (including the fact that he had no money in savings to cover the unexpected expenses) so that they don't happen again.

And now, THE PLAN:

As of right now, we will be paying only minimums on all debts including my home loan. DF is paying off the student loan, and paying me back this week, so those 2 will be gone right away. We will then be putting every penny we can find into savings until after the closing on our new house. Between the closing costs, appraisals on 3 houses, and the down payment, I am going to be pretty close to tapped out. So we will put everything in savings until after the house closing. Once that (and the wedding!) are done, we will continue to put into savings until we get back to $5K (which should be immediatley after the closing). Once we are at $5K in savings, we will pay off the Scheels Card. After that we will have to have a pow-wow to decide if we are going to attack the next debt, or get savings up to $10K before we do the next debt. I am just really uncomfortable not having much in savings, so we will see where we are at that time.

The Snowball!

The good news is once we have renters in both of our houses, we can really roll threw this stuff quickly.

As of right now, including all 3 mortgages, and all monthly bills, mimimum payments on all debts, without new renters (just counting our current roomates), we already have a $500 overage each month to start our snowball (we made a very detailed budget with a lot of wiggle room to start with so we can make adjustments). So that is great news. Once we move into the new house, we will rent DF's house for between $1000-$1400 per month, I think we can get $1400, but we shall see. The current roomate that pays him $400 will most likely be moving with us, so we will have his $400 extra as well. There is also a possibility that our renters cousin will be moving with us, he has been staying here a few weeks due to work and just paying $50 a week as it was supposed to be temporary, but now it's been almost 2 months. If he is still needing a place when we move we have offered to him that he can move with us, but then would need to pay $400 a month as well. We should be able to rent his house within a month of moving out as there is only minor repairs and of course cleaning that needs to be done. Once we have my house ready (I would estimate 6 mths at least till that is ready) I should be able to get $1200-$1500 per month. My current roomate will still be living there until then and paying $600 that whole time.

So our snowball will be:

Start = $500
+$1000-$1400 Rent at H House
+$1200-$1500 Rent at B House
+My Overtime Pay
+My FB Sales
+DF Coaching Pay
+DF Extra Job Pay ($75 a month)
+Minimums as we get items paid off
Once we get rolling we will have this junk gone in no time! Our goal is going to be to have everything except for the HELOC, Store Loan, and mortgages paid off by our 1 yr anniversary.

Open to any comments and suggestions! Smile

WOW Where to start!?!? Boston Trip/DFs Debt/Buying a new House

June 22nd, 2015 at 11:46 am

Starting to wonder if life will EVER slow down!?

The Boston trip went great! We had such a fun time! We went to 2 baseball games at Fenway. Red Sox vs Braves, which are my 2 favorite teams, so fun for me no matter who wins. Smile The Braves won the 1st game, and the Red Sox won the 2nd, PERFECT! We also went to Foxwoods (biggest casino in the world at 8.4 MILLION square ft!) and Mohegan Sun, took a Duck Boat Tour, Old North Church, site of Boston Tea Party, sooooooo much to see and do we didn't even get to see close to everything we wanted, but you do need to relax a little on vaca too. Wink But a fabulous time for sure!
______________________________________________________

The day before we left on vacation we had gone to a showing of a home we were interested in. We looked at the house, and then drove to my home town to go to the airport, so not a lot of time to review anything. We both really liked the house....but it was priced a lot higher then we were comfortable with ($310,000), so we wanted to see if we would be approved (we already ran the numbers ourselves and knew we could afford it) and then offer a much lower offer ($260,000). I called my bank lady who I love, but unfortunatley she wasn't able to approve us. There were 2 main reasons for this:

#1 Because we are keeping our two current homes and renting them out, and she was not able to give us any income credit for renting them without having TWO YEARS of income taxes showing the rental income. How are we supposed to get rental history while we are living in the homes?? LOL

#2 DFs non mortgage debt is too high, specifically his HELOC ($30,000).

This was disappointing as I really loved working with her in the past....but we called DF's bank instead....and they approved us!

Sooooooo we made an offer of $260K as we knew the sellers were needing to get out quickly (both the home owner and the realtor had told us that), they countered with $280K. We countered with $270K and they came back with $275K. We talked it over and decided we would agree to the $275K as we really think the house is worth it. About 20 mins after I sent the email that we would agree to the $275K, I got an email that said the seller agreed to the $270K?!?! HUH? So I checked my sent items and the email I sent agreeing to the $275K had gotten stuck in my Outbox, so they never got it and they thought I was playing hardball and they agreed to the lower price! We saved $5K because of me not being good at emailing on smart phones! LOL SWEET! We are now just waiting on paper work to get a closing date. We will have to have all 3 houses appraised ($$$$) so will probably be about 1-2 months before closing date....which would be almost exactly our wedding date.....Oh vei!!
_____________________________________________________
And the 3rd and last major item to come up in the last week.....DF's Debt....it's not good. I knew he had some CC debt, the HELOC, his mortgage, and a loan through his employer. I was under the impression that the CC debt and store loan were around/under $5K. I had asked him numerous time for exact numbers, but he was always adament that he wanted to work on the debt on his own until we combined finances, which we weren't planning on doing until after the wedding, but since the house thing came up we are doing it now. I also knew that he had purchased my ring, which added about $10K (OUCHIE)worth of debt. Of course anyone that reads my blog on a regular basis knows that I am allergic to debt....so YUCK. But now I find out he was not being truthful with the exact amounts of the debts, this is partially my fault that I went with his "implying" of the totals, but mostly he was dishonest as he tells me now he knows how important finances are to me and he was very embarassed of the position he put himself in. The debt is about $20K more then I thought. EWWWWW. I will post the numbers and our plan to tackle it in a separate post. We had a pretty big blow up about it when he finally gave me the details, I was PISSED. But I do truely believe he is sorry for not coming clean about the specifics right away, he was embarrased and wanted to fix it on his own, and I know from reading tons of debt blogs in my life that people can be very ashamed of their debt issues, so I guess I understand why he didn't want to tell me. He says he now feels a huge sense of relief and that for the last few weeks he has been feeling very down about feeling like he was hiding this from me, so now feels much better, and he is commited to working as a team to get us to a better position.
It's only been less then a week and I have seen some BIG changes in him already (not buying snacks at the gas station, stopped driving his truck to work and is driving his car, went to the casino to eat (comped meal) and didn't gamble AT ALL (this is HUGE for either of us), neither of us will be gambling at all for a long time and if we do gamble again we will have it be a treat, not a regular occurance and there will be limits in place before we go, and also there will be no more credit card use at all for him. We also had a major heart2heart about being completely honest about everything as it only makes things worse to hide issues and I explained to him that the thing I was most mad about was not the amount of the debt, but the fact that he didn't tell me. So now we are fully on the same page and ready to go forward as a TEAM.

So there is where I am at in life today! Oh and did I mention I am getting married in only 2 months! OVERWHELMED MUCH?!? LOL I will be making a new entry shortly with our plan of action!

Money Maker on Curad!!

June 20th, 2015 at 08:11 pm



A few weeks ago there was a $1.00 off one box of Curad in the paper. The 30ct boxes are only .96 at Wal-Mart, and at Wal-Mart if you have an overage from a coupon they will pay you the overage or apply it towards other items you purchase. So you make .04 per box! My Ma got her hands on 43 coupons! So we made $1.72 by buying 43 boxes! I put them on FB for $1.00 per box and we have buyers lined up for ALL 43 boxes already!!

Curad Bandaids 30ct (Bought 43)
Regular Price .96 per box
-$1.00 Mfr Coupon Each
Final Price = .04 Money Maker per box!!
(Marked $1.00 each for rummage sale)
*ETA - Sold 33 boxes for $1.00 each on FB week of 6/22/15
*ETA - Sold 5 boxes for $1.00 each on FB on 7/1/15
*ETA - Sold 5 boxes for $1.00 each on FB on 7/19/15
Profit = $43.00!!

$20K Update - Back over $25K!

June 19th, 2015 at 06:45 pm

Current Balance $24,100.00
+$25.00 DF Payday to Joint Savings(6/12)
+$50.00 Casino Joint Wins at Foxwoods
+$25.00 Payday to My Savings (6/19)
+$25.00 Payday to Joint Savings
+$20.00 to Joint Savings from FIL
+$750.00 Money left from 2 vacations (Started at $2K)
Balance $25,195.00

Local Savings $1895.00
Capital 360 Savings $20,925.00
Joint Capitol 360 Savings $2375.00
Total Savings = $25,195.00

52 Week Challenge
Week 24/25 $276(total) + $24(deposit) + $25(deposit) = $325

Finally found out what my SURPRISE trip is!!!!

June 9th, 2015 at 07:58 am

Around Christmas time DF told me that he had booked a surprise trip for us, and he wouldn't tell me where we are going....finally 6 months later he told me....WE ARE GOING TO BOSTON! Whoo hoo! I have never been to the East Coast so I am super excited!

We are going to 2 baseball games at Fenway, Braves vs Red Sox, my 2 Fav teams!! We are also going to go spend the night at Foxwoods Casino in CT, the largest casino in the US!

He already booked and paid for all of the flights, rental car, baseball games and hotels, so everything is paid for except food, additional entertainment and gambling.

I have $1600 left (out of $2000) from our Vegas trip, so I will be bringing that with for my spending/gambling money and shouldn't need to use it all.


SO EXCITED!! We leave in 4 days!

CVS Deals Week of 6/1/15

June 8th, 2015 at 11:11 am



Colgate Optic White 3.5oz (Bought 3)
Regular Price $4.59 each
-$1.59 Each Sale Price
-$2.00 CVS CVC each (-$6.00)
Final Price = $1.00 each!
(Marked $2.50 each for rummage sale)
*ETA - Sold 2 for $2.50 each at 9/23/16 rummage sale
*ETA - Sold 1 for $2.50 at 10/1/16 rummage sale
Profit = $4.50

Nivea Women's Bodywash 16.9oz (Bought 2)
Regular Price $5.49 each
-$3.00 Mfr Coupon ($3 off 2 Nivea)
-$3.00 CVS CMC Coupon ($3 off $11 BW)
*Received $5.00 EB for buying 2 Nivea BW
Final Price = Free!!
(Marked $3.00 each for rummage sale)
*ETA - Sold 1 for $3.00 on FB on 6/22/15
*ETA - Sold 1 for $3.00 on FB on 7/12/15
Profit = $6.00

Nivea Men's Bodywash 16.9oz (Bought 4)
Regular Price $4.99 each
-$3.00 Mfr Coupon ($3 off 2 Nivea)
*Received $5.00 EB for buying 2 Nivea
Final Price = $1.98 for 2, .99 each!!
(Marked $3.00 each for rummage sale)
*ETA - Sold 1 for $3.00 on FB on 7/4/15
*ETA - Sold 2 for $3.00 each on FB on 7/12/15
1 left to sell

Physician's Formula Shimmer Strips (Bought 6)
Regular Price $12.29 each
-$3.00 Mfr Coupon
-$3.00 Mfr Coupon
-$3.00 Mfr Coupon
-$3.00 Mfr Coupon
-$2.00 Mfr Coupon
-$2.00 Mfr Coupon
-$5.00 CVS CMC ($5 of $15 make-up)
-$5.00 CVS CMC ($5 of $15 make-up)
-$5.00 CVS CMC ($5 of $15 make-up)
*Received $8.00 EB for every PF purchased ($48 EB!)
Final Price = -$5.26 MONEY MAKER!! .88 MM each!
(Marked $6.00 each for rummage sale)
*ETA - Sold 1 for $6.00 on FB on 7/5/15

$20K Update

June 4th, 2015 at 03:06 pm

Current Balance $24,100.00
+$25.00 Payday to My Savings
+$25.00 Payday to Joint Savings
+$120.00 Casino Win to Joint Savings
+$13.68 Capital 360 Interest
+$6.32 Even Out Amount
+$1.12 Capital 360 Interest Joint
+$3.88 Even Out Amount
+$5.00 To get to next $100 Amount
Balance $24,300.00

Local Savings $1895.00
Capital 360 Savings $20,150.00
Joint Capitol 360 Savings $2255.00
Total Savings = $24,300.00

52 Week Challenge
Week 23 $253(total) + $23(deposit) = $276