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Archive for December, 2016

After Christmas Shopping to keep

December 30th, 2016 at 07:07 pm

My Mom and I did some SERIOUS after Christmas shopping the last few days and got TONS of stuff for our rummage sale inventory. I will post my deals for resale over the next few days, but here are the items I scooped up for personal use.



Target

McCormick Pumpkin Spice
Regular Price $4.69 Each
Clearance 50% off to $2.34

Dog Toys (Bought 5)
Regular Price $6.99 Each
Clearance 70% off to $2.09 Each

Gift Wrap 4pks (Bought 2)
Regular Price $6.00 Each
Clearance 70% off to $1.80 Each

Gift Wrap Single Roll
Regular Price $3.00
Clearance 70% off to .90

Bags of Bows (Bought 2)
Regular Price $5.00 Each
Clearance 70% off to $1.50 Each


JCPenney

JCP had soooooo many super clearance deals PLUS I got an extra 32% off for signing up for a Penneys card, AND I've already earned $20 in rewards on my card!!!

Dockers Belt Set (Present for my Dad)
Regular Price $60.00
-$42.01 Clearance Price
-$5.76 New Card Discounts
Final Price = $12.23

AZ Boys Tee (Present for my nephew)
Regular Price $14.00
-$12.03 Clearance Price
-$.63 New Card Discounts
Final Price = $1.34

AZ Boys Cargo Shorts (Present for my nephew)
Regular Price $34.00
-$32.03 Clearance Price
-$.63 New Card Discounts
Final Price = $1.34

Belt (For myself)
Regular Price $26.00
-$7.80 Sale Discount
-$5.82 New Card Discounts
Final Price = $12.38

Gildan Boxer Brief 4pk (Bought 2pks for hubs)
Regular Price $26.00
-$11.71 Clearance Price
-$4.57 New Card Discounts
Final Price = $9.72 per pack

Awesome Deal on Scott Products this week at CVS!

December 30th, 2016 at 03:01 pm



Since I moved to my small town in 2014 I have been living off my stockpile and have not had to buy any TP or paper towels (amongst other stockpile items). We finally ran out of paper towels this week and are on our last pack of TP....so time to find a deal!

I found this great deal at CVS, paired with an additional $4 back from Checkout 51 app and final price is only .25 per double roll of TP and .58 per mega roll of paper towels. This deal is only good until closing on Saturday so hurry in!!

Also I used a CVS giftcard that I received free from my Discover Cashback Rewards, so it was all actually FREE!!!!!

Scott Toilet Paper - 18 Double Rolls(Bought 5)
Regular Price $11.29 each
-$4.30 Sale Price Each
*Received $10 EB for spending $30 on Scott Products
*Received $2 credit with Checkout 51
*Received .50 credit for first purchase with Checkout 51
Final Price = $4.49 per pack (.25 per double roll or .13 per single roll)

Scott Paper Towels - 6 Mega Rolls (Bought 6)
Regular Price $7.79
-$2.30 Sale Price Each
*Received $10 EB for spending $30 on Scott Products
*Received $2 credit with Checkout 51
Final Price = $3.49 per pack (.58 per mega roll)



Checkout 51 and Raise Apps!

December 30th, 2016 at 01:54 pm

I just started using two new (to me) money saving apps!

Checkout 51

Checkout 51 offers you cash back when you purchase specific grocery and household items, even beer! I downloaded the app a few days ago, and already made $4.50 on items I was purchasing anyways! Once you earn $20 in your online account, you can then cash out either via paper check or Paypal account. I am loving it so far! By stacking this with existing sales and coupons you can get some crazy good deals!!


Raise

Raise is an app to buy and sell giftcards. At this time I don't have any giftcards that I want to sell, but they offer GC discounted up to 17.2% for purchase right now! I am not sure how deep the discounts go, but this is a GREAT way to get instant savings if you know you are shopping at a specific store, you can save money before you even hit the aisles! Tons of popular shopping and eating destinations including CVS, Target and McDonalds!!! I have not made a purchase from them yet, but plan to soon!!

2017 Goals

December 27th, 2016 at 07:31 pm

I can't wait to get started!!!


2017 Goals

Savings
-Pay in cash for trip to Laughlin
-Pay in cash for Vegas trip for SIL 21st BD
-Keep savings at/above $5K by end of year

Debt
-Payoff Mom Loan #2 (Current balance $24,107.25 with $900 in separate savings account to pay it off)
-Store Loan (From $10,094.05 to $7,116.12)
-Rental #1 Mortgage (From $154,200.00 to $149,990.00)
-Rental #2 Mortgage (From $85,917.82 to $83,800.00)
-Our House (From $251,325.62 to $246,688.21)
-STRETCH GOAL Total Debt Balance down to $490K or less. That is down $35,933.12 for the year (Currently at $525,933.12)

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 50lbs before Vegas Trip (July 2017)

Home Improvements and Rental Updates
-Complete minor repairs at Rental #1 (hole in wall)
-Complete minor repairs at Rental #2 (porch step, landscaping)
-Plant bigger/better garden at new house

How did we do on 2016 Goals??

December 27th, 2016 at 06:43 pm

Here are my goals from this year and how we did! Overall I am very happy, especially with how we did for debt reduction!

2016 Goals

Savings
-Pay in cash for trip to Laughlin Goal Met!
-Pay in cash for cruise We ended up cancelling this when we found out it was a lot more expensive then we had planned, and I am very happy we made that decision! We were able to get our deposit back and put the money back in savings
-Keep savings at/above $5K by end of year Curently at $8315!

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). Paid Off!
-Payoff Mom Loan (Current balance $13,741.64) Paid Off!
-Store Loan (From $13,013.05 to $10,094.05)Goal Met!
-HELOC (From $28,830.17 to $25,330.00)Paid off! (Transferred into Mom Loan #2 - balance $24,107.25)
-Rental #1 Mortgage (From $158,190.00 to $154,500.00)Goal Met!
-Rental #2 Mortgage (From $88,051.53 to $86,000.00)Goal Met!
-Our House (From $255,775.94 to $250,000.00) We didn't make any extra payments on this debt, current balance is $251,325.62
-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). Current debt is at $525,644.74, just $644.74 short....but with the $900 we have set aside to payoff Mom Loan #2, we made the stretch goal!!

Retirement
-Continue contributing 6% to 401K Goal Met!
-Research and review allocations of ROTH and make appropriate adjustments Fail....didn't do anything with this

Health
-Be positive and thankful for what I have Feel like I did good at this, but room for improvement
-Lose 40lbs before cruise (Sept 2016)Fail, didn't lose any weight

Home Improvements and Rental Updates
-Finish unpacking/organizing at new house Goal Met!
-Complete minor repairs at Rental #1 (hole in wall)This did not get completed
-Find renter for whole house at Rental #2 Goal Met! We have had the full house rented since April.
-Complete minor repairs at Rental #2 (porch step, landscaping)We got some landscaping done, but more is needed, and porch step is not fixed yet.
-Plant garden at new house We did this and I can't wait to make it bigger and better next year!

My car hit 200,000 miles

December 27th, 2016 at 02:26 pm

My 2002 Chevy Malibu hit 200,000 miles! Pretty good for a car I paid $4K for in Feb 2008...9 years ago! I hope it keeps trucking for another 100,000!


52 Week Savings Challenge 2016/2017

December 25th, 2016 at 08:51 pm

Today is the last Sunday of the year, so for those of us that did the 52 Week Challenge, that means your last $52 deposit for the year! We finished ours pretty early this year, so had the $1378 sitting waiting for a plan. We still don't have any plans for this money, so we added a bit more to it to get it to a nice even amount of $1400 and for now are just setting it aside. We also had a good stash of cash to start the 2017 Challenge. We were able to pay weeks 1-8 plus 50-52, $188 already! So a very good start for next year!

If you did the 52 Week Challenge what are you using your final pot for????

Giftcard Inventory

December 25th, 2016 at 07:38 pm

Time to see where we are for giftcards. I have been using a lot lately, got a book from Barnes and Noble, icecream at Cold Stone and 4 pairs of new pants, a planner, and some Christmas gifts at Walmart.

We got a lot of new ones too. MO got $500 in Visa GC for a Christmas gift from his employer!

I checked some of our Visa/MasterCard GC that we received last year, and I found out that after 12 months of not using them you get a $2 per month inactivity fee. We haven't gotten any fees yet and to make sure we don't get any we will be using them for fuel, and everytime we fill fuel with a GC, we will then do a transfer for the same amount from checking to savings. That way we will actually see the benefit of the GC since we don't have any tangible or large purchases that we are needing right now.


Applebees $10
Bubbagump Shrimp $50
Buffalo Wild Wings $5($5-$100 Bonus GC counting as $5)
Buffalo Wild Wings $5($5-$100 Bonus GC counting as $5)Buffalo Wild Wings $5($5-$100 Bonus GC counting as $5)Buffalo Wild Wings $5($5-$100 Bonus GC counting as $5)
Buffalo Wild Wings $25
Buffalo Wild Wings $25
Buffalo Wild Wings $25
Buffalo Wild Wings $25
CVS $21.48
CVS $25.00
CVS $39.94
Discover Cashback Rewards $359.91
JCPenney $25
JCPenney $45
Kohls $25
Kohls $25
Kohls $25
Massage $25
Massage $50
MasterCard $24.46
MasterCard $50.00
MasterCard $100.00
Menards $400 (Estimate as most of my rebates are with my Mom)
Movie Tickets $8.25 or free admission
Movie Tickets $8.25 or free admission
Movie Tickets $8.25 or free admission
Papa Johns $10
Papa Johns $10
Scheels $15
Scheels $25
Scheels $25
Starbucks $15
Texas Road House $50
TGIF $25
Visa $250
Visa $250
Total = $2120.54





Debt Update 12/23/16 More OT updates and Blizzard on its way

December 23rd, 2016 at 12:56 pm

Back on the sad update week, $288.38 down in the last 2 weeks!

My work has now opened up Saturdays and the 2 holiday days up for OT in January in addition to the already unlimited OT during the week. For the holidays that means we are already getting paid for the day for 8 hrs for holiday pay and then any hrs I work will be paid in addition to the 8 I already automatically get paid for. I will definitely be cashing in on both of these as well as doing about 4 hrs on Saturday mornings when I am normally just bumming around the house anyways....might as well step away from the TV and into my office and get some work done! I'm excited at the progress this may provide us in paying for bills we would normally be taking out of savings. We were already able to cover the $2500 insurance bill for our 2 rental properties without taking any out of savings. We have a $2300 property tax bill due in Feb for one of the rentals and I think we can definitely use the OT pay to cover that as well and leave savings untouched!

I have the entire next week off! I am so excited!! No big plans....putting away Christmas presents and decorations, cleaning out the fridge, working out, resting up for the crazy OT in January. Only one more day till relaxation!

Weather is expected to get really bad the next few days here (so right over Christmas Eve and Christmas Day) and is expected to be blizzarding with no travel advised by Christmas evening....which is a bummer because we have to drive 1 hr away for the holidays and will probably have to leave early to get back safely. We shall see how it goes!


Celebrations for this update:
-Total debt went down $288.38 in the last 2 weeks!
-Race #3 went under the next $1000 mark!
-Just 1 more payment and the Store Loan will be under $10,000 and lose a whole digit!
-A lot of big milestones will be hit shortly after the new year

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $10,094.05
Mom Loan #2 $24,107.25
MO Mortgage $85,917.82
My Mortgage $154,200.00
Our Mortgage $251,325.62
Total = $525,644.74

Down $288.38 in the last 2 weeks!!

Starting total was $587,351.27
$61,706.53 paid off since 6/19/15 (including downpayment on house)!!!!!

We have $900.00 in a savings account to pay off the Mom Loan, so the amount we still owe that is $23,207.25.

$20K Update

December 21st, 2016 at 02:07 pm

Current Balance $8,140.00
+$125.00 FB Sales
+$50.00 MO Payday to Our Savings (12/23)
Balance $8,315.00

Local Savings $2510.00
GC Savings $2025.00
Capital 360 Savings (US) $1620.00
Capital 360 Savings (Mom Loan Payback Account)$900.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $8,315.00

52 Week Challenge 2016
Week 52 Total = $1378.00

FB Sales Week of 12/18/16

December 20th, 2016 at 12:19 pm

Total Sales for the week were $203.50!!!


My Sales

Sale #510 (DSJ) $12.00
Silicone Oven Mitts (8) - Free After Rebate
Sold for $1.50 each
Profit = $12.00

Sale #511 (AN) $5.00
Men's 10pk Socks - I paid .99 AMIR
Sold for $5.00
Profit = $4.01

Sale #512 (TP) $5.00
Men's 10pk Socks (4) - I paid .99 AMIR
Sold for $5.00 each
Profit = $16.04


Joint Sales

Sale #513 (RS) $48.00
Slow Cooker and Oven Bags (12) - Free After Rebate (Me)
Sold for $1.00 each
Profit = $12.00

Meat Thermometers (7) - Free After Rebate (Me)
Sold for $1.50 each
Profit = $10.50

For my Mom:
Slow Cooker and Oven Bags 18 @ $1.00 = $18.00
Meat Thermometers 5 @ $1.50 = $7.50

Sale #514 (TB) $5.00
Santa Dress with Cardigan - We paid $1.05
Sold for $5.00
Profit = $3.95

Sale #515 (JB) $15.00
Kiss Me Onesie - We paid $1.05
Sold for $5.00
Profit = $3.95

Santa's Helper Onesie (2) - We paid $1.05 each
Sold for $5.00 each
Profit = $7.90

Sale #516 (LH) $17.00
Wicker Chest - Curb Side Find - We paid $0!
Sold for $12.00
Profit = $12.00

Beauty 360 Lip Balm (2) - We paid $1.18 each
Sold for $2.50 each
Profit = $2.64

Sale #517 (KP) $8.00
Disney Frozen Purse - We paid $3.99
Sold for $8.00
Profit = $4.01

Sale #518 (NC) $59.00
Disney Frozen Purse - We paid $3.99
Sold for $8.00
Profit = $4.01

Scented Nail Polish Kits (3) - We paid $1.31 each
Sold for $3.50 each
Profit = 6.57

Despicable Me Basketball Hoop Set - We paid $2.65
Sold for $5.00
Profit = $2.35

Crayola Lip Balm - We paid $1.31
Sold for $3.50
Profit = $2.19

Flashmob Eyeliner Set - We paid $1.31
Sold for $3.50
Profit = $2.19

Lip Balm Locker Set - We paid $1.31
Sold for $3.50
Profit = $2.19

Elf on the Shelf Candy Cane Nail Polish Sets (5) - We paid $1.22 each
Sold for $3.00 each
Profit = $8.90

Beauty 360 Lip Balm (4) - We paid $1.18 each
Sold for $2.50 each
Profit = $5.28

Sale #519 (GM) $3.50
Crayola Bath Soap - We paid $1.31
Sold for $3.50
Profit = $2.19

Sale #520 (HL) $4.50
Holiday Hair Accessory Pack - We paid .52
Sold for $1.50
Profit = $.98

For my Mom - Silicone Oven Mitts 2 @ $1.50 = $3.00

Sale #521 (SR) $21.50
Elf on the Shelf Candy Cane Nail Polish Sets (2) - We paid $1.22 each
Sold for $3.00 each
Profit = $3.56

Star Wars Tin - We paid $2.65
Sold for $5.00
Profit = $2.35

Airwick 2pks(2) - Free After Rebate (Me)
Sold for $3.00 each
Profit = $6.00

Meat Thermometers - Free After Rebate (Me)
Sold for $1.50
Profit = $1.50

For my Mom - Silicone Oven Mitts 2 @ $1.50 = $3.00

$20K Update - Passed $8K and OT is paying off!

December 17th, 2016 at 10:20 am

I have been working about 15hrs a week OT every week since October, and while we haven't been putting much extra INTO savings, we have been able to pay for some big bills that we normally would have to take out of savings for. We had a $2500 bill for our home insurance for our 2 rental properties. The bill was due in early November, so we paid it on our Discover Card to earn Cashback Rewards, a month later the bill is due, and with all my OT pay we are actually able to cover it without taking anything out of savings!!! This is a huge win!! We should also be able to cover all of Christmas as well as a big order of staples we need (TP, papertowels, dogfood, etc.).

We already got an email that OT will continue in abundance through January and there will be even more hrs available. Not sure how many more I could do without getting burned out, but as long as it is being offered I will be doing my best to make some extra $$$!


Current Balance $7,940.00
+$50.00 FB Sales
+$50.00 MO Payday to Our Savings (12/9)
+$50.00 My Payday to Our Savings (12/16)
+$50.00 My Payday to Mom Loan Savings (12/16)
Balance $8,140.00

Local Savings $2385.00
GC Savings $2025.00
Capital 360 Savings (US) $1570.00
Capital 360 Savings (Mom Loan Payback Account)$900.00
Capital 360 Savings (Rental Deposit Account) $1260.00
Total Savings = $8,140.00

52 Week Challenge 2016
Week 52 Total = $1378.00

My 500th FB Sale!!!

December 12th, 2016 at 02:45 pm

Wow I have hit 500 FB Sales!!

My Sales

Sale #500 (JC) $9.00
AirWick 2pks (3) - Free After Rebate
Sold for $3.00 each
Profit = $9.00

Sale #501 (LOS) $6.00
Foil Cooking Pans(6) - Free After Rebate
Sold for $1.00 each
Profit = $6.00



Mom's Sales

Sale #502 (CB) $2.00
Hot Cocoa Set $2.00 (For my Mom's friend)

Sale #503 (HL) $15.00
Kids PJ Set $6.00
Kids PJ Set $4.00
Mini Lantern $5.00


Joint Sales

Sale #504 (JB) $5.00
Christmas Sleeper - We paid .95
Sold for $5.00
Profit = $3.95

Sale #505 (TB) $10.00
Kiss Me Onesie - We paid $1.05
Sold for $5.00
Profit = $3.95

Christmas Dress with Cardigan - We paid $1.05
Sold for $5.00
Profit = $3.95

Sale #506 (LK) $25.00
Christmas Dress with Cardigan - We paid $1.05
Sold for $5.00
Profit = $3.95

Frozen Waffle Maker - We paid $7.98
Sold for $15.00
Profit = $7.02

Strawberry Shortcake Lip Gloss Set - We paid $2.56
Sold for $5.00
Profit = $2.44

Sale #507 (CT) $10.50
Crayola Bath Soap - We paid $1.31
Sold for $3.50
Profit = $2.19

Scented Nail Polish Kits (2) - We paid $1.31 each
Sold for $3.50 each
Profit = $4.38

Sale #508 (AM) $7.00
Crayola Lip Balm - We paid $1.31
Sold for $3.50
Profit = $2.19

Scented Nail Polish Kits - We paid $1.31 each
Sold for $3.50 each
Profit = $2.19

Sale #509 (MAGK) $12.00
Earbuds (3) - We paid $1.33 each
Sold for $4.00 each
Profit = $8.01

Freebies at Menards!

December 12th, 2016 at 09:19 am

Whoo hoo! Tons of free, close to free items that have been selling like madness already!



Mens Socks 10pks (Bought 8) - .99 each AMIR
(Marked $5.00 per pack for rummage sale)
*ETA - Sold 5 for $5.00 each on FB on 12/18/16

Aurora Makeup Wipes (Bought 8) - Free AMIR
(Marked 2.00 each for rummage sale)
*ETA - Sold 8 for $2.50 each on FB on 3/19/17
Profit = $20.00

Mechanical Meat Thermometer (Bought 11) - Free AMIR
(Marked $1.50 each for rummage sale)
*ETA - Sold 8 for $1.50 each on FB on 12/18/16
*ETA - Sold 2 for $1.50 each on FB on 1/1/17
*ETA - Sold 1 for $1.50 at 5/5/17 rummage sale
Profit = $16.50

Airwick 2pks (Bought 8) - Free AMIR
(Marked $3.00 for rummage sale)
*ETA - Sold 3 for $3.00 each on FB on 12/11/16
*ETA - Sold 2 for $3.00 each on FB on 12/18/16
*ETA - Sold 2 for $3.00 each on FB on 12/25/16
*ETA - Sold 1 for $3.00 on FB on 1/29/17
Profit = $24.00

Toilet Bowl Brush (Bought 6) - Free AMIR
(Marked $1.00 for rummage sale)

Silicone Oven Mitt (Bought 8) - Free AMIR
(Marked $1.50 each for rummage sale)
*ETA - Sold 8 for $1.50 each on FB on 12/18/16
Profit = $12.00

Slow Cooker and Oven Bags (Bought 12)
(Marked $1.00 each for rummage sale)
*ETA - Sold 12 for $1.00 each on FB on 12/18/16
Profit = $12.00

Febreze To Go (Bought 4)
(Keeping these for now)

Oval and Rectangular Foil Roasting Pans (Bought 12)
(Marked $1.00 each for rummage sale)
*ETA - Sold 6 for $1.00 each on FB on 12/11/16
*ETA - Sold 2 for $1.00 each on FB on 3/12/17

Debt Update 11/25/16 and 12/9/16

December 11th, 2016 at 03:16 pm

I didn't get around to posting the debt update for the day after Thanksgiving, so here is that update and the current update.
______________________________________________________
Update as of 11/25/16

Celebrations for this update:
-Total debt went down $240.46 in the last 2 weeks!
-Bad Debt went under the next $1000 mark!
-Passed $60K paid off since 6/19/15!!!


Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $10,320.66
Mom Loan #2 $24,666.14
MO Mortgage $86,092.85
My Mortgage $154,550.00
Our Mortgage $251,703.52
Total = $527,333.17

Down $240.46 in the last 2 weeks!!

Starting total was $587,351.27
$60,018.10 paid off since 6/19/15 (including downpayment on house)!!!!!

We have $850.00 in a savings account to pay off the Mom Loan, so the amount we still owe that is $23,816.14.

------------------------------------------------------
Update as of 12/9/16

Celebrations for this update:
-Total debt went down $1400.05 in the last 2 weeks!
-Total debt went down the next TWO thousand dollar marks!! ($527K to $525K)
-Passed $60K paid off since 6/19/15!!


Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $10,207.40
Mom Loan #2 $24,107.25
MO Mortgage $86,092.85
My Mortgage $154,200.00
Our Mortgage $251,325.62
Total = $525,933.12

Down $1400.05 in the last 2 weeks!!

Starting total was $587,351.27
$61,418.15 paid off since 6/19/15 (including downpayment on house)!!!!!

We have $850.00 in a savings account to pay off the Mom Loan, so the amount we still owe that is $23,257.25.