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Archive for March, 2018

Debt Update - 3/30/18

March 30th, 2018 at 07:53 am

$875.14 paid off in the last 2 weeks!!!

Celebrations for this update:
-$875.14 paid off in the last 2 weeks!
-Total Debt went under the next $1000 mark for the 6th update in a row!!

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 $6,304.15
Mom Loan #2 $15,037.27
MO Mortgage $83,185.85
My Mortgage $148,700.00
Our Mortgage $245,498.71
Total = $498,725.98

Down $875.14 in the last 2 weeks!!

Starting total was $587,351.27
$88,625.29 paid off since 6/19/15 (including downpayment on house)!!!!!

$20K Update

March 30th, 2018 at 07:45 am

Chugging along.....bills are coming in for lots of medical expenses and a $600 truck repair so for now just relying on auto deposits to keep the savings going up slowly.

Current Balance $20,480.00
+$50.00 MO Payday to Our Savings (3/30)
Balance $20,530.00

Local Savings $6150.00
GC Savings $3180.00
Capital 360 Savings (US) $4990.00
Capital 360 Savings (Mom Loan Payback Account)$3510.00
Capital 360 Savings (Rental Deposit Account #1)$1200.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $20,530.00

52 Week Challenge
2018 Total = $521 (Weeks 1-21, 25, 38, 39, 41, 42, 52 and 53)

CVS Deals Week of 3/18/18

March 23rd, 2018 at 06:33 am

I had a lot of EBs to use this week, luckily I was able to find some deals so they didn't get wasted.

I do have a lot of trouble with CVS Coupons not ringing up right. Example below I had a $3 off coupon, and it took off $2.85.....and none of the cashiers can ever explain why the coupons don't ring up right. Super annoying.....



Softsoap Body Wash (Bought 10)
Regular Price $4.49 Each
-.99 Sale Price Each
-.86 CVS CMC Coupon $1.00 off Body Wash
*Received $3.00 EB for every 2 I bought (4 sets)
Final Price + Tax = $2.23 Each
(Marked $3.00 each for rummage sale)

Suave Body Wash (Bought 2)
Regular Price $2.09 Each
-$1.05 BOGO 50% Off
-$2.85 CVS CMC Coupon $3.00 off Body Wash
Final Price + Tax = .30!! Just .15 Each!!
(Keeping These)

Scope Mouthwash 1L (Bought 2)
Regular Price $5.29
-.50 Sale Price Each
-$1.00 CVS CMC Coupon $1.00 off Mouthwash
*Received $3.00 EB on Each
Final Price + Tax = $1.57 Each!!
(Marked $3.00 each for rummage sale)

Cadbury Eggs/Reeces PB Eggs (Bought 8)
Regular Price $1.25
-.26 Each
*Received .99 EB Each
Final Price + Tax = .06!!
(Keeping These)

$20K Update

March 22nd, 2018 at 07:52 am

We are way ahead on the 52 Week Challenge for this year!

Current Balance $20,355.00
+$50.00 My Payday to Our Savings (3/23)
+$75.00 My Payday to Mom Loan Savings
Balance $20,480.00

Local Savings $6150.00
GC Savings $3180.00
Capital 360 Savings (US) $4940.00
Capital 360 Savings (Mom Loan Payback Account)$3510.00
Capital 360 Savings (Rental Deposit Account #1)$1200.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $20,480.00

52 Week Challenge
2018 Total = $521 (Weeks 1-21, 25, 38, 39, 41, 42, 52 and 53)

Amazing Amope Deal at Dollar Tree!!!

March 22nd, 2018 at 06:48 am

These Amope Pedicure Perfect sets sell at Walmart for $25, and Target for $36....they are now at Dollar Tree for $1.00!!!!

My Mom grabbed 50 of them for us!!!



Amope Pedicure Perfect (Bought 50)
Final Price + Tax = $1.06
(Marked $5.00 each for rummage sale)
*ETA - Sold 2 for $5.00 each on FB on 5/6/18
*ETA - Sold 1 for $5.00 on FB on 6/10/18

CVS Deals from last few weeks

March 19th, 2018 at 11:30 am

Here are some CVS Deals from the last few weeks. I've gotten a little behind in logging.



Scope Mouthwash (Bought 4)
Regular Price $5.29 each
-$1.30 Sale Price Each
-$1.00 Mfr Coupon Each
*Received $2.00 EB Each
Final Price + Tax (Higher tax in MN) = $1.32 Each
(Marked $3.00 each for rummage sale)

Physicians Formula Mascaras (Bought 5)
Regular Price $9.99
-$3.00 off Physicians Formula CVS CMC
*Received $7.00 EB Each
Final Price + Tax = $.71 Each
(Marked $6.00 each for rummage sale)

Physicians Formula Shimmer Sticks (Bought 2)
Regular Price $11.99
-$3.00 off $12.00 Cosmetics CVS CMC Coupons
*Received $7.00 EB Each
Final Price + Tax = $2.06
(Marked $6.00 each for rummage sale)

$20K Update and an ER visit for MO

March 19th, 2018 at 08:04 am

We seem to be having quite a bit of bad luck on the medical side. MO was at work taking down a display and a bar hit him in the back of the head so he had to go to the ER and get 5 staples in his head. The only good thing is at least it was a work accident so we won't have any medical bills from the accident. MO is doing good and gets his staples out later this week, and hopefully next time will be a little more careful..lol!

Current Balance $20,305.00
+$50.00 FB Sales
Balance $20,355.00

Local Savings $6150.00
GC Savings $3180.00
Capital 360 Savings (US) $4890.00
Capital 360 Savings (Mom Loan Payback Account)$3435.00
Capital 360 Savings (Rental Deposit Account #1)$1200.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $20,305.00

52 Week Challenge
2018 Total = $231 (Week 1-21)

FB Sales Week of 3/18/18

March 19th, 2018 at 07:28 am

I still haven't gotten my butt back in gear with posting on FB. We are planning (tentatively with my Mom and I both having a lot of medica issues right now) on having a rummage sale in early May. So it's always good to get some items cleared out before the rummage sale. The less I have to lug outside and set up the better!

Even with not posting much we still had $89.00 in sales!!

Sale #843 (DI) $3.00
Softsoap Body Wash - We paid $2.05 each
Sold for $3.00 each
Profit = $.95

Sale #844 (PM) $2.00
Jergens Lotion 10oz - We paid $.48 each
Sold for $2.00 each
Profit = $1.52

Sale #845 (CH) $10.00
Disney Cars Smash and Crash Derby Set - We paid $3.20 each
Sold for $10.00 each
Profit = $6.80

Sale #846 (NC) $74.00
Disney Cars Smash and Crash Derby Set (2) - We paid $3.20 each
Sold for $10.00 each
Profit = $13.60

Mini Fridge left at my parents rental = $50.00
Face Masks left at my parents rental (2 x $2) = $4.00

Debt Update - 3/16/18

March 19th, 2018 at 07:08 am

Yes we are finally under $500K!!!

Normally MO would pay on his mortgage on this paycheck, but it is a 3 paycheck month so he paid some other bills associated with our rental being open for a month instead, and he will pay his mortgage with the last check of the month. I did some miscalculations as I was writing up my update while watching March Madness and apparently not paying attention so I thought we weren't going to get under $500K, so I paid an extra $250 on my mortgage. After I paid it I realized I hadn't updated the payment for our mortgage, and that we were already under $500K with out that extra payment....oops! Oh well so we paid $250 extra that we didn't need to right now, but it all has to get paid eventually!!

$1204.03 paid off in the last 2 weeks!!!

Celebrations for this update:
-$1204.03 paid off in the last 2 weeks!
-My Mortgage went under the next $1000 mark!
-Total Debt went under the next $1000 mark for the 5th update in a row!!

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 $6,420.41
Mom Loan #2 $15,611.25
MO Mortgage $83.370.75
My Mortgage $148,700.00
Our Mortgage $245,498.71
Total = $499,601.12

Down $1204.03 in the last 2 weeks!!

Starting total was $587,351.27
$87,750.15 paid off since 6/19/15 (including downpayment on house)!!!!!

Amazing deals at Famous Footwear!

March 16th, 2018 at 04:33 pm

I stopped in at Famous Footwear and got some amazing deals again! Be sure to check out their clearance right now as they have tons while they are switching over to spring/summer footwear!

I got $330 worth of shoes for $35!!!



Boys Nike - Regular Price $60.00
Clearanced to $5.00
Final Price + Tax = $5.33
(Marked $20.00 for rummage sale)
*ETA - Sold for $20.00 on FB on 5/6/18
Profit = $14.67

Girls Fringed Booties - Regular Price $50.00
Clearanced to $5.00
Final Price + Tax = $5.33
(Marked $20.00 for rummage sale)

Mens Deer Stag Dress Shoes (Bought 2)
Regular Price $60.00
Clearanced to $5.00
Final Price + Tax = $5.33
(Marked 1 pr $20.00 for rummage sale and kept 1 pr for MO)

Womens Black Boots - Regular Price $100.00
Clearanced to $30.00
-$5.00 Rewards Coupon
Final Price + Tax = $26.63
(Keeping these as I have been looking for some black boots and this is a great price!)

$20K Update - HSA is officially empty

March 15th, 2018 at 08:09 am

Things are going good here. We got away for the weekend and went to the casino with some friends and my Aunt Lori (shout out!), MO did great again, he has been so lucky this year! We will save the winners from there for our Laughlin trip in April.

I have a ton of medical apts, so those are keeping me busy as most of them are 5 hrs away from home, so I am putting in some major miles. We had to prepay a $4000 medical bill and also pay $4000 in Rx bills, so our HSA is now completely empty. I am sad to see that savings gone, but am happy I had saved it up for so many years so we had it to use now and didn't have to pay that $8000 OOP. Any new bills we will have to pay OOP, so we will keep trying to bulk up savings as best we can to stay on top of those bills.



Current Balance $20,225.00
+$50.00 MO Payday to Our Savings (3/16)
+$5.95 Interest to Cap360
+$14.05 Even Out Amount
+$10.00 Mortgage Savings
Balance $20,305.00

Local Savings $6100.00
GC Savings $3180.00
Capital 360 Savings (US) $4890.00
Capital 360 Savings (Mom Loan Payback Account)$3435.00
Capital 360 Savings (Rental Deposit Account #1)$1200.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $20,305.00

52 Week Challenge
2018 Total = $231 (Week 1-21)

$20K Update - HUGE UPDATE!! We hit $20K!!

March 7th, 2018 at 01:25 pm

Now that we have a renter we were able to put some of the rent surplus into savings, plus MO got his coaching check. We put $1500 of that into savings, $1000 kept out for upcoming vaca weekends and a little bit left over for fun money for MO. So excited for this update!

Current Balance $18,000.00
+$50.00 My Payday to Our Savings (3/9)
+$75.00 My Payday to Mom Loan Savings (3/9)
+$600.00 March Rent
+$1500.00 MO Basketball Coaching Pay
Balance $20,225.00

Local Savings $6100.00
GC Savings $3170.00
Capital 360 Savings (US) $4835.00
Capital 360 Savings (Mom Loan Payback Account)$3420.00
Capital 360 Savings (Rental Deposit Account #1)$1200.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $20,225.00

52 Week Challenge
2018 Total = $231 (Week 1-21)


Debt Update - 3/2/18 - Last Update over $500K!

March 6th, 2018 at 07:49 am

This is our last update having over $500K in debt! YEAH!!!!! 96% of our debt is mortgages, but it still sucks to have that much debt. Very excited to change that first digit to a 4!

$599.10 paid off in the last 2 weeks!!!

Celebrations for this update:
-$599.10 paid off in the last 2 weeks!
-Mom Loan went under the next $1000 mark!
-Total Debt went under the next $1000 mark for the 4th update in a row!!

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 $6,536.58
Mom Loan #2 $15,611.25
MO Mortgage $83.370.75
My Mortgage $149,300.00
Our Mortgage $245,896.57
Total = $500,805.15

Down $599.10 in the last 2 weeks!!

Starting total was $587,351.27
$86,546.12 paid off since 6/19/15 (including downpayment on house)!!!!!