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Archive for December, 2015

January 2016 Total Savings

December 31st, 2015 at 07:13 am

I don't check in on my retirement accounts as much as I should, here is where I am at for all accounts:

Local Savings $2630.00
GC Savings $240.00
Capitol 360 - US $3100.00
Capitol 360 - Mom Payoff $4050.00
Capitol 360 - Rental Deposit $1250.00
52 Week Challenge (2015) $1081.00
52 Week Challenge (2016) $0
Total Regular Savings = $12,351.00

Rollover 401K $800
401K $43,735.04
IRA $10,180.19
Total Retirement = $54,715.23

HSA Savings = $9,798.38

Total Regular Savings $12,351.00
Total Retirement Savings $54,715.23
HSA Savings $9,798.38
Total Savings = $76,864.61

My overall total savings is down about $10K from the same date last year, I am pretty happy with that considering I gained a lot of equity during that time on my home, and also acquired 2 more homes. So overall my net worth is up!

New savings ideas for 2016

December 30th, 2015 at 09:40 am

I am always on the lookout for new ways to save a buck, and as I look at our goals for 2016 I feel a little overwhelmed!

So here a few new things I am going to try for 2016.

1)Overtime - Treat OT like a 2nd job and make sure I get in 10hrs a week. Since I work from home this really shouldn't be that hard to do if I just make myself stick to a schedule. That would be about an extra $400-$500+ a month! I really do like my job and in 2015 I worked 343hrs OT, so definitely doable for me to get the hrs in! I made myself a daily schedule for "normal" days when we don't have any extra activities going on, and I included OT, working out, time to clean, and time to relax. I think this will help me a lot!

2)Basketball Savings - I mentioned MO is a bball coach. Games cost $6 each, and I recently got a pass so that I don't have to pay admission. I will be putting that $6 a game (About $12-$18 a week) into savings since I would normally be spending that money anyways.

3)Gift Card Savings - I have a huge stash of gift cards ($1500+). I don't like to "fritter away" my gift cards, I like to use them for something important. If someone gives me a gift of a $20 GC to Target, I don't want to use it for garbage bags and milk. It was a gift, so I want to use it for something I normally wouldn't just go buy myself, maybe a new book or a cute cardigan or something....since I have this mentality I have stockpiled quite a bit. (Also because I live an hr away from the closest shopping centers). I did check and none of them have expiration dates. I want to get some of these used up, and as I use them, I would like to match the amount I use on the GC, with a deposit to savings. I should be able to do this with most of them, some of the GCs are for higher amounts, so those I may not be able to match all of the time, but I know I have several $5-$20 GCs for shopping and restaurants that I could match.

4)52 Week Challenge - If you aren't familiar with the 52 Week Challenge, that is where you put in the matching dollar amount to the corresponding week of the year. Week 1 you put in $1, Week 36 you put in $36 etc. There are a lot of different ways to alter this for whatever works for you. It is a fun and somewhat easy way to save a chunk of change throughout the year. MO and I did this last year (2015), and we are a few weeks behind, but will be able to catch up at the beginning of 2016 since the deposits are so low at the beginning of the year. We should be caught up soon and will start the 2016 Challenge right away since it worked so good for us last year!

5)Food Wasting - I HATE when I have to throw food out because it has gone bad. Hate it, hate it, hate it! For 2016, I am going to write it down every time I throw something in the trash that got wasted because of poor meal planning/time+fridge management. I am sure it will be eye opening and hopefully make me be more aware of how many dollars we are throwing in the trash. Another item I want to work on for 2016 is cooking more (I came leaps and bounds on this in 2015!) so that should help me improve on that as well.

6)Gardening - Somewhere around 10 years ago I had a wonderful garden and I loved it and had so many yummy fresh veggies. I was living in a duplex at the time, and after I moved out of that place I never got around to having a garden again. Now that we are in the new house, we have a huge backyard, plenty of room for a big garden. I know there will be initial startup costs, but I think the return you get from a garden, not just the veggies, but also the pride in it, enjoying the "fruits" of your labor, and calming effect it has for me is definitely well worth it.

Anyone have any new money "tricks or tips" they plan on trying in 2016 and want to share?

2016 Goals

December 28th, 2015 at 11:27 am

2016 Goals

Savings
-Pay in cash for trip to Laughlin
-Pay in cash for cruise
-Keep savings at/above $5K by end of year

Debt
-Set aside money to payoff Appliances Card (We don't have the numbers for this yet since they haven't been delivered yet. It is a 0% card until June 2017).
-Payoff Mom Loan (Current balance $13,741.64)
-Store Loan (From $13,013.05 to $10,094.05)
-HELOC (From $28,830.17 to $25,330.00)
-Rental #1 Mortgage (From $158,190.00 to $154,500.00)
-Rental #2 Mortgage (From $88,051.53 to $86,000.00)
-Our House (From $255,775.94 to $250,000.00)
-STRETCH GOAL Total Debt Balance down to $525K or less. That is down $32,602.33 for the year (Currently at $557,602.33, not counting the appliances yet).

Retirement
-Continue contributing 6% to 401K
-Research and review allocations of ROTH and make appropriate adjustments

Health
-Be positive and thankful for what I have
-Lose 40lbs before cruise (Sept 2016)

Home Improvements and Rental Updates
-Finish unpacking/organizing at new house
-Complete minor repairs at Rental #1 (hole in wall)
-Find renter for whole house at Rental #2
-Complete minor repairs at Rental #2 (porch step, landscaping)
-Plant garden at new house

Debt Update 12/25/15

December 28th, 2015 at 11:16 am

Hope everyone had a great holiday! Here is my last debt update for 2015.

Celebrations for this update:
-Total debt went down $529.17 this update
-Total debt went under the next $1000 mark!
-HELOC went under the next $1000 mark!
-Race #3 went under the next $1000 mark!


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 $13,741.64
Store Loan $13,013.05
HELOC $28,830.17
MO Mortgage $88,220.70
My Mortgage $158,190.00
Our Mortgage $255,775.94
Total = $557,602.33

$529.17 paid off in the last 2 weeks!!

Starting total was $584,391.18.
$26.788.85 paid off since 6/19/15 (including downpayment on house)

We have $4025.00 in a savings account to pay off my Mom, so the amount we still owe her is $9,716.64.

2015 Goals Progess

December 27th, 2015 at 07:31 pm

Since I ended up getting engaged, moving, getting married and moving again....2015 goals did not go as planned since I had so many life changing events. That being said....I am totally happy that I didn't make my goals! LOL I would much rather have MO, and our puppy, and our new home and have the added debt anyday!

Here are the goals from January 2015 and where I ended up on them:


Savings
-Pay in cash for repair and painting of living room, kitchen, bathroom and entry way walls - DONE
-Pay in cash for new garage door - DONE
-Pay in cash for new patio door - DONE (just repaired rather then replaced)
-Keep savings at/above $25K by end of year - This definitely would have happened if we hadn't bought a new house, but since we did, we used savings for the down payment. If we hadn't bought a new house, we would have about $35K in savings.

Debt
-Remain Debt free other then mortgage - Since I "inherited" MO's debt when we got married, I/we do now have a loan from my Mom ($13,770 left), store loan ($13,000 left) and a HELOC (about $28,000 left). Hopefully we can attack those and have them paid off within a few years and then be back to just the mortgages.
-Get mortgage balance to under $160K ($166,850 as of 1/1/15) - DONE - Currently at $158,190.00!

Retirement
-Continue contributing 6% to 401K - DONE
-Restart contributions to ROTH IRA - Didn't do and I don't plan to at this time until we get more debt paid off.
-Research and review allocations of ROTH and make appropriate adjustments - Didn't do, NEED TO!

Health
-Be positive - Still working on this, it is something I work on everyday, I have a hard time with painful, hurtful, sad memories seeping into my brain when I least expect it.
-Work on letting go of the past and embracing the future - See above!
-Lose 50lbs - I am down about 13lbs, need to make this a priority now that we are done with wedding and settled into house
*Sub goals for this are
--Work out at gym at least twice a week - I cancelled gym membership when I moved in April, so that is out
--Quit drinking pop (currently drinking 2 cans a day minimum)Though I saw a vast improvement on this throughout the year, I still fall off the wagon on a consistent basis.

Other
-Find Renter for basement - DONE Renter moved into the basement in April. Now working on either him getting a roommate, or renting out the entire house by March 1, 2016.

Updated Giftcard Inventory

December 27th, 2015 at 04:28 pm

I always like to update my giftcard inventory after Christmas, always have a few more to add at that time!

I have used a few CVS cards since last time I updated, I had 3 E-certs that were just printed on paper so was glad to get those ones used because I was worried about losing those.

Next weekend I am going to a movie with my SIL's and shopping with my Mom, so should be using at least 1 movie ticket and hopefully find some after Christmas Deals as well to use some of my gift cards on!

We also have $188 in cash back rewards with Discover Card right now. Normally I would cash in for CVS giftcards by now, but since I can't shop there as often living an hr away, I figured I would wait till I am almost out before I get more. Also we are planning on going to Laughlin in April and there are a few restaurants (Outback Steakhouse and Bubba Gump Shrimp) there that we don't have here and we would definitely use the rewards for that.

The new ones I added are in bold.

Applebees $20.00
Applebees $25.27
Barnes & Noble $5.00
Barnes & Noble $10.00
Bed Bath & Beyond $10.00 - Christmas Gift from work
Bed Bath & Beyond $10.00 - Christmas Gift from work
Coldstone $15.00 - MO BD Gift
CVS $10.00
CVS $10.00
CVS $10.00
CVS $25.00
Drug Store $25.00 - Restaurants.com Deal
Drug Store $25.00 - Restaurants.com Deal
Drug Store $25.00 - Restaurants.com Deal
Drug Store $25.00 - Restaurants.com Deal
JCPenney $25.00
JCPenney $45.00 - Christmas Gift
Lowe's $25.00
Lowe's $50.00
Massage $50.00 - Christmas Gift
MasterCard $100.00
Menards Rebates $45.94
Menards Rebates $69.32
Menards Rebates $114.91
Menards Rebates $146.87
Menards Rebates $146.87
Menards Rebates $214.12
Movie Coupons $10.00
Movie Coupons $10.00
Movie Giftcard $10.00 - Christmas Gift
Movie Giftcard $10.00 - Christmas Gift
Movie Giftcard $10.00 - Christmas Gift
Old Navy $25.00- Christmas Gift
Scheels $5.93
Scheels $25.00
Scheels $50.00 - Christmas Gift
Target $5.00
Target $5.00
Target $5.00
Target $10.00
Target $20.00
Target $50.00
Target $50.00
Texas Road House $50.00
TGIFridays $25.00
Walmart $10.00
Walmart $11.36
Walmart $20.00
Walmart $35.00
TOTAL = $1581.72
Up $421.55 from last inventory.

$20K Update

December 27th, 2015 at 01:20 pm

Current Balance $11,215.00
+$47.00 FB Sales
+$6.00 Basketball Savings
+$2.00 Even Out Amount
Balance $11,270.00

Local Savings $2630.00
GC Savings $240.00
Capital 360 Savings (US) $3100.00
Capital 360 Savings (Mom Payback Account)$4050.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $11,270.00

52 Week Challenge
Week 46 $1035(total) + $46(deposit) = $1081

FB Sales Week of 12/20/15

December 27th, 2015 at 12:29 pm

Sales for last week were $124.00!

I don't have much of anything up for sale right now, I have been stuck in bed sick since Christmas evening. Starting to feel a little better so hopefully I can get some items up for sale and start getting my Christmas decorations down soon.

Hope everyone had a lovely holiday!!!

Sale #347 (JS) $20.00
Queen Sheets - I found these when I was moving, they were new in package and I don't have a Queen bed anymore.
Sold for $20.00
Profit = $20.00

Sale #348 (RH) $5.00
Glue Gun - Joint with my Mom
Several glue guns together was $7.00
Sold for $5.00

Sale #349 (SR) $21.00
Christmas Balls - Joint with my Mom
Not sure what we paid for these (she picked them up)
Sold for $4.00 each = $8.00

For My Mom:
Spray Bottle = $1.00
Aleve (2) @ $3.00 = $6.00
Nightlights (2) @ $3.00 = $6.00

Sale #359 (JZ) $39.00
Hallmark Musical Santa Station - Joint with Mom
We paid $3.72
Sold for $13.00
Profit = $9.28

Elf on Shelf Christmas Candy Canes (2) - Joint with Mom
We paid $1.30 each
Sold for $3.00 each
Profit = $3.40

Swiss Screw Drivers for my Mom - 5 @ $4.00 each = $20.00

Sale #360 (KK) $18.00 - (Sale for Mom)
Aleve (6) @ $3.00 = $18.00

Sale #361 (DI) $8.00 - (Sale for Mom)
All-In-One Measuring Spoon = $4.00
Folding Utility Knife = $4.00

Sale #362 (SE) $4.00 - (Sale for Mom)
All-In-One Measuring Spoon = $4.00

Sale #363 (DH) $4.00 - (Sale for Mom)
All-In-One Measuring Spoon = $4.00

Sale #364 (BR) $5.00 - (Sale for Mom)
Meat Shear = $5.00

$20K Update

December 25th, 2015 at 07:17 pm

Current Balance $10,990.00
+$25.00 MO Payday
+$200.00 MO Savings on Escrow
Balance $11,215.00

Local Savings $2575.00
GC Savings $240.00
Capital 360 Savings (US) $3100.00
Capital 360 Savings (Mom Payback Account)$4050.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $11,215.00

52 Week Challenge
Week 46 $1035(total) + $46(deposit) = $1081

$20K Update

December 21st, 2015 at 07:44 am

I wish I had $10 to put in to get to $11,000, but honestly I don't even have an extra $10 right now! My checking has about a $30 cushion until payday (4 days away) and I'm not touching that so we will just have to wait till payday to get back above $11K. Smile

Current Balance $10,950.00
+$27.50 FB Sales
+$12.00 Bball Game Savings (2 games last week)
+$.50 Even Out Amount
Balance $10,990.00

Local Savings $2575.00
GC Savings $40.00
Capital 360 Savings (US) $3075.00
Capital 360 Savings (Mom Payback Account)$4050.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $10,990.00

52 Week Challenge
Week 46 $1035(total) + $46(deposit) = $1081

FB Sales Week of 12/13/15

December 21st, 2015 at 07:25 am

Total sales for this week were $65. I won't be posting much for sale this week due to the holiday, but I still have a lot of items that are waiting to get picked up, so I should still have some sales to log next week. Sold a lot for my Mom again, and also one item for my Step-Mom. Smile

Sale #337 (LQ) $7.00
Small Food Processor (When I moved we realized we had 3 so selling this one)
Sold for $7.00
Profit = $7.00

Sale #338 (SL) $6.00
Free Items from Menards
Dupont Water Pitcher - FAR
Sold for $6.00
Profit = $6.00

Sale #339 (DH) $10.00 (This was actually items I sold back last December! I sold them to a coworker and the money got stuck in an envelope with the receipt and forgotten...oops!)
Discounted Items from CVS
Sally Hansen Sugar Shimmer Nail Polish - I paid $1.49
Sold for $2.50
Profit = $1.01

Sally Hansen Satin Glam - I paid $1.49
Sold for $2.50
Profit = $1.01

Sally Hansen Diamond Strength (2) - I paid $1.37 each
Sold for $2.50 each
Profit = $2.26

Sale #340 (AVB) $11.00
Discounted Items from Target
TMNT Toothpaste - I paid .14
Sold for $2.00
Profit = $1.86

Discounted Items from CVS
GUM Toothbrush 2 pks (Joint with Mom) - We paid .41 each (2) - Sold for $2.50 each
Profit = $4.18

Measuring Spoon for my Mom = $4.00

Sale #341 (AK) $4.00 - (Sale for Mom)
All-in-One Measuring Spoon = $4.00

Sale #342 (PM) $4.00 - (Sale for Mom)
All-in-One Measuring Spoon = $4.00

Sale #343 (RK) $7.00 - (Sale for Mom)
All-in-One Measuring Spoon = $4.00
Snowman Nightlight = $3.00

Sale #344 (DT) $6.00 - (Sale for Mom)
Dupont Water Pitcher = $6.00

Sale #345 (LQ) $5.00 - (Sale for Mom)
Kitchen Sheers = $5.00

Sale #346 (BH) $5.00 - (Sale for my Step-Mom)
Christmas Lights = $5.00

$20K Update

December 18th, 2015 at 07:43 am

Not a good update, but this is WHY we have savings! Soooooo many extra expenses last month and that coupled with Christmas shopping and we had to take a big chunk out of savings. We will have a good amount going back in at the beginning of the year, but then we have some home/rental improvements that will take most of that. Just keep trucking along!

Current Balance $12,160.00
-$550.00 Down Payment for Cruise
-$300.00 Travel Insurance
-$140.00 Uhaul
-$160.00 Winterizing Boat
-$110.00 New hook-up for cable/internet at new house
+$25.00 My Payday to Our Savings
+$25.00 My Payday to Mom Savings
Balance $10,950.00

Local Savings $2535.00
GC Savings $40.00
Capital 360 Savings (US) $3075.00
Capital 360 Savings (Mom Payback Account)$4050.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $10,950.00

52 Week Challenge
Week 46 $1035(total) + $46(deposit) = $1081

Pictures of Banker Gurl's Store!

December 17th, 2015 at 05:25 pm

I am so excited pictures are working again!!!!!! So catching up.....here are pics of before and after from my "Store"! I love having the organized and clean area for my shoppers and it definitely helps sales!




Pictures are working!?!?!?

December 17th, 2015 at 05:01 pm

Can it be true!!!!!!?????

Testing with a picture of my dog when I told her she couldn't sit on my lap right now.