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Archive for September, 2015

$20K Update - First rent check from MO's house!

October 1st, 2015 at 01:39 am

Whoo hoo we got the check for the first month of rent for MO's house! Since we don't have to pay the mortgage on the new house till November, this is all "bonus" money for us, so I put the whole thing in savings. We do have a lot of extra expenditures right now ($700 propane bill, $210 carpet cleaning) but I still think we can swing it.

I also got my first payment coupon for the new house, so I set up an account on their website and set up automatic payments so we don't have to worry about late fees or anything with that.

I also set up automatic payments from my checking account to my Mom's savings account to pay her the agreed $300 per month for the loan we are paying to her. The more things are automated the better!


We leave tomorrow for Denver YEAH!!

Current Balance $8,005.00
+$1250.00 Oct Rent at Rental #1
+$25.00 MO Payday
Balance $9,280.00

Local Savings $1515.00
GC Savings $2540.00
Capital 360 Savings (US) $2725.00
Capital 360 Savings (Mom Payback Account)$1250.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $9,280.00

52 Week Challenge
Week 37 $561(total) + $34 + $35 + $36 + $37(deposit) = $703

Debt Update 10/2/15

September 29th, 2015 at 02:03 pm

Posting our 2 week debt update a few days early since we will be in Denver on Friday. Very excited for the Vikings Game and some much needed TLC after wedding, house closing, cleaning, packing, moving, rummage sale.....ooofta!!! Can't wait to relax with a chelada!

MO and I are each bringing $1000 for spending money on the trip (food/drinks at the game, souvenirs, gambling, etc.) Whatever we bring home from our spending money we will put into the Mom Loan Savings. I really think we can have that paid off in a year or less!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Loan from Mom $14,247.50
Store Loan $13,678.42
HELOC $29,571.90
MO Mortgage $88,557.15
My Mortgage $159,100.00
Our Mortgage $256,500.00
Total = $561,654.97

$362.27 paid off in the last 2 weeks.

Starting total was $584,391.18.
$22,736.21 paid off since 6/19/15 (including downpayment on house)

We have $1250.00 in a savings account to pay off my Mom, so the amount we still owe her is $12,997.50.

$20K Update - Over $8K!

September 25th, 2015 at 09:26 pm

I had a credit on my Chase card due to a return after I had already paid the balance on my card. Since that money was already "spent" I just requested a check and stuck it in savings to payback my Mom. I also took in our change cup...$37.78, so I put $35 in savings and put the $2.78 back in the cup for next time. Another drop in the savings bucket! Back over $8k!

Current Balance $7,745.00
+$225.00 Refund from Chase
+$35.00 Coin Jar
Balance $8,005.00

Local Savings $1515.00
GC Savings $2540.00
Capital 360 Savings (US) $1450.00
Capital 360 Savings (Mom Payback Account)$1250.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $8,005.00

52 Week Challenge
Week 37 $561(total) + $34 + $35 + $36 + $37(deposit) = $703



Quick Turnover Deals for Rummage Sale

September 24th, 2015 at 09:33 pm

Still no pics...boooo!

Here are a few deals we grabbed right before the rummage sale and were able to sell most of them right away for some quick profits.

CVS Summer Clearance (Joint purchases)

Childs Sunglasses (Bought 1)
Regular Price $1.00
Clearance -.75
Final Price = .25
(Marked $1.00 for rummage sale)

Hair Ties (Bought 1)
Regular Price $1.00
Clearance -.75
Final Price = .25
(Marked $1.00 for rummage sale)

Sidewalk Chalk (Bought 2)
Regular Price $1.00
Clearance -.75
Final Price = .25
(Marked $1.00 for rummage sale)
*Sold 2 for $1.00 each at 9/23/16
Profit = $1.46

Coca-Cola Flipflops (Bought 1)
Regular Price $5.99
Clearance -$4.50
Final Price = $1.49
(Marked $3.00 for rummage sale)

Beach Bag (Bought 1)
Regular Price $14.99
Clearance -$11.24
Final Price = $3.75
(Marked $7.00 for rummage sale)
*ETA - Sold for $6.00 at 5/5/17 rummage sale
Profit = $2.25

Child's Swim Vest(Bought 3)
Regular Price $19.99
Clearance -$15.00
Final Price = $4.99
(Marked $10.00 for rummage sale)

Plastic Bucket Beach Toy Set (Bought 1)
Regular Price $7.99
Clearance -$6.00
Final Price = $1.99
(Marked $4.00 for rummage sale)

CVS Razor Deals

There were some great deals on Schick Razors in August as they had $4.00 off mfr coupons in the paper. (I will have to come back and adjust the quantities on these once I find out how many my Mom got)

Schick Disposable Razors 12ct bags (Bought 2)
Regular Price $9.99
-$4.00 Sales Price Each
-$4.00 Mfr Coupon
-$4.00 Mfr Coupon
-$3.98 CVS CMC Coupon
Final Price = 2 bags Free!!
(Marked $4.50 each for rummage sale)
*ETA - Sold 2 for $4.50 at 5/5/17 rummage sale

Schick Hydro Sensitive (4) and Skintimate Shave Gel (2)
Regular Price $12.29 Each/$2.99 Shave Gel
-$12.29 BOGO Free Coupon (2)
-$3.99 Skintimate Shave Gel Free Coupon (2)
*Received $10.00 EB (2) for spending $25 on Schick
Final Price - Skintimate, $1.00 Money Maker Each!
*ETA - Sold 2 for $2.50 each on FB on 8/22/16
*ETA - Sold 1 for $2.50 at 5/5/17 rummage sale
Final Price - Razors, $2.04 each
*ETA - Sold 1 for $7.00 at 10/1/16 rummage sale
*ETA - Sold 2 for $7.00 at 5/5/17 rummage sale


Menards Items - Free after rebate
Storage Jars
Rubberbands (6)
*ETA - Sold 2 for $2.50 at 5/5/17 rummage sale
SkilSlide (2)
KneePads (2)
Flip Flops (6)
*ETA - Sold 1 for $1.50 at 9/23/16 rummage sale
Vista Water Pitcher (2)
Screwdriver 6 in 1 (2)
*ETA - Sold 1 for $4.00 at 5/5/17 rummage sale
Keychain Tape Measure
Halloween Pumpkin Leaf Bags (10)
I don't have the quantities for these right now.

Debt Update - 9/18/15

September 22nd, 2015 at 07:27 pm

Things are going good here, still SUUUUPER busy.....maybe after Christmas things will slow down??

This last weekend we had a coed softball tournament, we took 4th place.....4 games in one day is getting to be too much for this lady! Our coed team is 6-0 for the season, so if we keep this up we should get 1st place!

We have just 6 more days to finish packing/moving our belongings to the new house. We have moved over a good chunk of furniture and lots of boxes already, but prob still 40% left to move. We are hoping to finish moving everything other then my office by 9/24. Since I work from home we can't move my office until my business internet connection is set up at the new house, which is scheduled for 9/25. We need to be completely done moving by 9/28 as that is when the carpet cleaners are coming to the old house, renters move in 10/1.

In October we will have $2650 coming in for rental income, but only $1450 in mortgage payments (we don't have to pay on the new house until Nov 1) so we will be putting $1250.00 into savings as soon as we get the rent check. We also have a lot of "new house" bills that we are dealing with (previous owner left propane tank on ZERO...$700, new fan for my office, light bulbs, cleaning supplies, etc.) but we are budgeting it all in as best we can and won't be adding anything to debt or having to take out of savings.




Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Loan from Mom $14,499.17
Store Loan $13,789.02
HELOC $29,571.90
MO Mortgage $88,557.15
My Mortgage $159,100.00
Our Mortgage $256,500.00
Total = $562,017.24

$810.01 paid off in the last 2 weeks.

Starting total was $584,391.18.
$22,373.94 paid off since 6/19/15 (including downpayment on house)

We have $1025.00 in a savings account to pay off my Mom, so the amount we still owe her is $13,474.17.

$20K Update - The BIG Rummage Sale

September 21st, 2015 at 01:57 pm

The BIG rummage sale was last weekend and as usual it was crazy! We had beautiful weather (after an initial rain shower) and a great turnout! I won't have the breakdown ready for awhile while we are working on moving (and next week going to Denver!) but I do have the totals. Rummage sale as a whole did $8800!! MO and I did $3080!! We made over $1000 just on snacks! So I will get the breakdown up as soon as I can, but since I already have the money I wanted to get that part squared away.

We made $3080, we round it up to $3100. We are putting $1100 into our savings and taking $1000 each as our spending money to Denver next week. That will cover food, drinks, gambling, tailgating costs, shopping, etc. Hotels, flights and rental car have already been paid for.
Anything we bring home will go into the Mom Loan Savings account.

Current Balance $6,645.00
+$1100.00 3rd of Rummage Sale Money
Balance $7,745.00

Local Savings $1480.00
GC Savings $2540.00
Capital 360 Savings (US) $1450.00
Capital 360 Savings (Mom Payback Account)$1025.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $7,745.00

52 Week Challenge
Week 37 $561(total) + $34 + $35 + $36 + $37(deposit) = $703

$20K Update - I won a football pick-um!

September 18th, 2015 at 09:31 pm

MO signed us both up for a football pick game, I don't know anything about football so I was pretty sketical, but seemed like fun. It cost $85 per person for the whole season.

You pick the winners of every game for each week. Whoever has the most correct at the end of the week wins $70! (Bigger payouts at the end of the year). If a tie at the end of the week then whoever picks closest to the total score of the Monday night game wins. So I just randimely picked teams and somehow ended up winning! Smile SWEET! I put the $70 towards the "Mom pay back fund".

Current Balance $6,645.00
+$70.00 Football Pick-um Wins
Balance $6,715.00

Local Savings $1480.00
GC Savings $2540.00
Capital 360 Savings (US) $350.00
Capital 360 Savings (Mom Payback Account)$1095.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $6,715.00

52 Week Challenge
Week 37 $561(total) + $34 + $35 + $36 + $37(deposit) = $703

$20K Update - We have a signed lease and deposit check for one of the rentals!

September 17th, 2015 at 02:13 pm

MO got the lease signed and the deposit check for his place (where we are currently living). YEAH! So now we are working hard to get everything packed, moved and old house cleaned. We only have until about 9/28/15 as we are leaving for Denver to go watch the Vikings play the Broncos on 10/1/15. So far packing is going pretty well, I am trying to purge as much as I can as I pack, but since most of the items here are MO's (most of my stuff is still at my house except for clothes/toiletries) it is hard for me to sort as much as I would like. But getting rid of some is better then getting rid of none!

I opened a separate savings account with Cap360 for the $1250.00 deposit and we will count it towards our savings total, but we won't touch that money it will just sit there for the renter. The people we are renting to are a young couple with no pets and no kids and I am hoping they will be here for a long time.

Things continue to fall into place! Smile

Current Balance $5,250.00
+$1250.00 Deposit for Rental
+$5.00 Addition Mistake on Local Savings Account
+$40.00 Closed out an old checking account
+$50.00 Sold MO's kitchen table (we will be using mine at the new house)
+$25.00 FB Sales
+$25.00 Payday Deposit (MO) to Our Savings
Balance $6,645.00

Local Savings $1480.00
GC Savings $2540.00
Capital 360 Savings (US) $350.00
Capital 360 Savings (Mom Payback Account)$1025.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $6,645.00

52 Week Challenge
Week 37 $561(total) + $34 + $35 + $36 + $37(deposit) = $703

FB Sales

September 16th, 2015 at 06:32 pm

I had a couple of old sales slips/money in an envelope that never got logged.

Sale #252 (MR/RP) $10.00
Discounted Items from Wal-Mart
Herbal Essences (2 Dry Shampoo, 1 Shampoo, 1 Conditioner) - We paid $1.24 each
Sold for $2.50 each
Profit = $5.04

Sale #253 (AH) $20.00
Discounted Items from Wal-Mart
Herbal Essences (2 Dry Shampoo, 2 Shampoo, 2 Conditioner, 2 Bodywash) - We paid $1.24 each
Sold for $2.50 each
Profit = $10.08

Sale #254 (SC) $8.00
Discount Items from Wal-Mart
Glowsticks 75 Piece(2) - paid $1.00 (? need to get receipt from my Mom, but I think this was right)
Sold for $4.00 each
Profit = $6.00 (Joint purchase with my Mom)

Sale #255 (FG) $10.00
Discounted Items from CVS
My Magical Mermaids (3) - I paid .52 each
Did deal for 3 for $10.00
Profit = $8.44



Misc. Deals

September 15th, 2015 at 03:09 pm

I had a few deals that my Mom had done as joint purchases for us that I didn't get logged yet. Again, sorry no pic, as that is not working.....makes me feel very boring....lol.

Clearance at CVS:

Leather Belts (Bought 34)
Regular Price $5.99 each
Clearanced to .59 each (90% off)
Final Price after tax = .62 each
(Marked $4.00 each for the rummage sale)
*ETA - Sold 3 for $4.00 each at 9/23/16 rummage sale
*ETA - Sold 4 for $4.00 each at 5/5/17 rummage sale
*ETA - Threw one away on 5/5/17 that was broken

GUM Brand Toothbrushes 2pks (Bought 57)
Regular Price $3.99 each
Clearanced to .39 each (90% off)
Final Price after tax = .41 each
(Marked $2.50 per pack for rummage sale)
*ETA - Sold 1 for $2.50 on FB on 12/6/15
*ETA - Sold 2 for $2.50 each on FB on 12/13/15
*ETA - Sold 2 for $2.50 each on FB on 8/22/16
*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
*ETA - Sold 2 for $2.50 at 5/5/17 rummage sale


Coupon Deal at Target
I don't know the details on this since I wasn't there.....

Herbal Essences Body Wash (Bought 24)
Final Price after tax = .92 each
(Marked $3.50 each for FB sales)
(Marked $3.00 each for rummage sale)
*ETA - Sold 2 for $3.50 each on FB on 8/2/15
*ETA - Sold 3 for $4.00 each on FB on 8/22/16
*ETA - Sold 1 for $4.00 at 9/23/16 rummage sale

Debt Update from 9/4/15

September 15th, 2015 at 02:39 pm

Due to the house closing, wedding, and the BIG rummage sale I am late on posting this update. This is our update as of 9/4/15.

The BIG rummage sale went great, estimate of sales as of right now is $8500.00 (that is for the whole sale, not just for me). We made over $1000 just on snacks! I will post details on the sale once we have all of the sale sheets compiled.

Now onto cleaning the new house, moving in, and cleaning out the MO's old house for the rent moving in on Oct 1.....so that means we only have 2 weeks to get all of the moving and cleaning done!!

Celebrations for this update:

-The store loan is finally under $14K!
-We have opened a separate savings account to use for paying back the Mom Loan and we have over $1K in it!


Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Loan from Mom $14,499.17
Store Loan $13,899.53
HELOC $29,815.81
MO Mortgage $88,712.74
My Mortgage $159,400.00
Our Mortgage $256,500.00
Total = $562,827.25

Starting total was $584,391.18.
$21,563.93 paid off since 6/19/15 (including downpayment on house)

We have $1025.00 in a savings account to pay off my Mom, so the amount we still owe her is $13,474.17.

$20K Update

September 14th, 2015 at 02:00 pm

Ok here is the $20K update after we closed on the house and wedding gifts. We will now be focusing on our savings as well as saving up to payoff my Mom in a large chunk, hopefully by next September.

We had the BIG rummage sale this weekend and it went great! Once I have the totals from that I will have a big deposit to make to savings. Smile

Current Balance $25,000.00
+$865.00 Wedding gift deposit on 9/8/15 to local savings
+$180.00 Wedding gift deposit on 9/14/15 to local savings
+.29 Cap360 Interest Our Savings
+$4.71 Even Out Amount Our Savings
+$25.00 Payday Deposit (Me)to Our Savings
+.41 Cap 360 Interest Mom Payback Savings
+$4.59 Even Out Amount Mom Payback Savings
+$25.00 Payday Deposit (Me) to Our Savings
+$25.00 Payday Deposit (MO) to Our Savings
-$20,880.00 Down Payment/Closing Costs on New House
Balance $5,250.00

Local Savings $1400.00
GC Savings $2500.00
Capital 360 Savings (US) $325.00
Capital 360 Savings (Mom Payback Account)$1025.00
Total Savings = $5,250.00

52 Week Challenge
Week 37 $561(total) + $34 + $35 + $36 + $37(deposit) = $703

New House!

September 9th, 2015 at 03:06 am

Here are the details for the new house and new home loan...I would put up pics if that ever starts working again....

The house is 3600 sq ft, 4 bedrooms, 2 baths, an office, a canning room, separate laundry room, 2 stall garage, huge fenced backyard with gazebo and hot tub. I love it! It does (like any house) have some things we would like to change, but nothing that needs to be done immediately, Unfortunately the seller left it a mess (what's new?!) so we do need to do some extensive cleaning before we move in, and since this week is the BIG rummage sale, it will have to wait another week.

The renters for MO's house have signed the lease and will be paying their deposit on Friday, we have already set up a separate savings account for that money to sit in.

We won't have to make a payment on the new mortgage until 11/1, so that will be nice to have a little extra cash flow for October.

The house appraised at $275K, we paid $270K (My Dad says it is a $300K house, but he isn't an appraiser, lol)....after down payment and closing costs, our new loan is $256,500.00. We have a 30 yr loan at 4.125% and our monthly payment is $1668.16. We were expecting our payment to be $1700+ so this was good news! PMI is $89.78 so I can't wait to get rid of that, of course we have other fish to fry first!

Can't wait to move in!

I'm married and we finally closed on the house!!

September 9th, 2015 at 02:05 am

Yeah I am married!!! Smile

On Wednesday right before I took off to the Lake for the wedding weekend, we closed on the new house. FINALLY! 1 more hr and they would have had to redo all of the paperwork with my new last name!


Wedding went without a hitch, we were expecting rain and thunderstorms all day, forecast said up to 90% chance of rain/thunderstorms. It stopped raining around 9am, and not a drop the rest of the day! It was overcast all day (which we were fine with as long as it wasn't raining) and then about 5 mins before the ceremony the sun came out and it was beautiful! Wonderful!!

Everyone had a great time, we had burgers (with cheese right in the patty), beer bacon and cheese brats, hotdogs, lots of different picnic salads, and cheesy hashbrowns. Adorable sunflower cupcakes and smores for dessert.

Then we had games set up (beanbags, horseshoes, volleyball, laddergolf, crochet, etc) for everyone to play on the beach followed by a bonfire. Volleyball was very popular and super fun! We are exhausted and happy come the end of the evening.

Since MO (My one!) and myself both already had our own homes and all the normal home items, we did not register for gifts, we did receive a few presents, but mostly cards with cash or giftcards, which will come in handy for furnishing and decorating our new home.

$20K Update

September 1st, 2015 at 05:36 pm

DF had some free play from the casino, turned it into $80 in real money. Sweet! Added the $80 to savings, plus $75 from FB sales for the last few weeks.

We were told we were closing on the house today at 10am, then it moved to 4pm, now I have no idea....le sigh!

Current Balance $24,845.00
+$80.00 Casino Win
+$75.00 FB Sales
Balance $25,000.00

Local Savings $355.00
GC Savings $2500.00
Capital 360 Savings $1265.00
Holding Money for Down Payment $20,880.00
Total Savings = $25,000.00