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Archive for August, 2018

$20K Update - $18K! Bills, Bills, Bills.....

August 24th, 2018 at 09:29 am

Whoo hoo we made it to $18K! Things are crazy here and I am worried about savings. It looks great now, but we are having a lot of trouble with the renter in Rental #1 who is breaking their lease and moving out early since they bought a house. We are working to find a new renter, but if we don't find someone for the same monthly rent, the previous renter will be responsible for the difference until the end of their original lease term. They are not happy about that and seem to not understand that breaking their lease has consequences for them. We had a promising showing yesterday, so hopefully that works out and we can get past this unpleasantness.

Since our Jeep was totaled out a few weeks ago we are using the car and the truck. My car has over 225K miles on it and has been iffy at best lately. With us living an hr away from the closest "big city", I am not very comfortable driving it that far anymore (especially as temps will begin to change soon). The truck has 100k+ miles on it, and of course is a gas hog, do it's not reasonable to drive that to town unless we actually need to transport something. So we need to find a new vehicle sooner then later and get rid of my car.

We are also putting in an egress window and a cement patio on Rental #1. Just the window is over $4K which is crazy to me, but apparently $3K-$4.5K is the estimates we are getting and the lower estimate we got back in March and STILL, 5 months later, they have not showed up to do the work, so we are moving on to a different vendor so we can get that done before it gets cold out. Hoping MO and some friends can do the cement patio to save some money there.

Oh and we leave for Vegas in 2 days....we have had this trip planned for awhile, and it is the last one we will have for some time, unfortunate that all of these other expenses came up right before we leave, puts a damper on the getting out of town to relax concept when you know you shouldn't be spending money.

Current Balance $17,900.00
+$25.00 FB Sales
+$30.00 Phone Savings
+$45.00 To get to $18K!
Balance $18,000.00

Local Savings $3100.00
GC Savings $1755.00
Capital 360 Savings (US) $6080.00
Capital 360 Savings (Mom Loan Payback Account)$4365.00
Capital 360 Savings (Rental Deposit Account #1)$1200.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $18,000.00

52 Week Challenge
2018 Total = $970 (Weeks 1-30, 35-39, 41-45, 52-53)

FB Sales Week of 8/13/18

August 22nd, 2018 at 01:45 pm

Sales this week were $55.50!

Sale #940 (PM) $7.00
Nugg Face Mask - We paid $.70
Sold for $2.00
Profit = $1.30

CVS Pantiliners (4) - Free
Sold for $1.00 each
Profit = $4.00

For my Mom - CVS Pantiliner $1.00

Sale #941 (KWB) $20.00
Girls Oshkosh B'gosh Boots - We paid $7.24
Sold for $20.00
Profit = $12.76

Sale #942 (EK) $4.00
Wet'N'Wild Eye Set - We paid $1.06
Sold for $4.00
Profit = $2.94

Sale #943 (MG) $6.00
Scope Mouthwash (2) - We paid $1.32 each
Sold for $3.00 each
Profit = $3.36

Sale #944 (SR) $18.50
Softsoap Bodywash (2) - We paid $2.23 each
Sold for $3.00 each
Profit = $1.54

For My Mom: Makeup Remover Wipes 5 @ $2.50 each = $12.50

$20K Update - We got the payout for the Jeep

August 22nd, 2018 at 11:56 am

The Jeep check came in quickly which was nice. It was $4846.33. The majority of it went towards bills that we would have had to take money out of savings for....over $2000 in medical bills, several hundred in rental repairs/updates, and several hundred in vet bills (one of our dogs has a lot of ear and allergy issues, and the other needed yearly checkup). That was the end of the medical bills for the year, we met our OOP Max back in May and we have now received and paid all of the bills. So that is a relief to be done with those for this year. We should have some money left from the Jeep check after the bills are paid, but we are going on vaca in a few days, so I am going to wait for the dust to settle before I move more to savings. We are almost to $18K!!!


Current Balance $17,725.00
+$50.00 MO Payday to Our Savings (8/17)
+$50.00 My Payday to Our Savings (8/24)
+$75.00 My Payday to Mom Loan Savings (8/24)
Balance $17,900.00

Local Savings $3075.00
GC Savings $1680.00
Capital 360 Savings (US) $6080.00
Capital 360 Savings (Mom Loan Payback Account)$4365.00
Capital 360 Savings (Rental Deposit Account #1)$1200.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $17,900.00

52 Week Challenge
2018 Total = $970 (Weeks 1-30, 35-39, 41-45, 52-53)

Debt Update - 8/17/18

August 17th, 2018 at 10:58 am


Celebrations for this update:
-$871.91 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!! (I think that is a record for me!)

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 $5,136.60
Mom Loan #2 $12,731.76
MO Mortgage $82,420.71
My Mortgage $146,950.00
Our Mortgage $243,488.79
Total = $490,727.86

Down $871.91 in the last two weeks!

Starting total was $587,351.27
$96,623.41 paid off since 6/19/15 (including downpayment on house)!!!!!

Killed the CVS Deals this Week!

August 16th, 2018 at 01:15 pm

Softball is over for the year, so I don't get to town every week like I used to, plus we are going to Vegas in two weeks so I am making sure I get all of my EBs for CVS up to date so I don't have to worry about any of them expiring while I am gone. Found a lot of great deals this week and got all my EBs out to 9/12/18 which gives me lots of time to get them used.



Herbal Essences Bio-Renew (Bought 4)
Regular Price $7.99 Each
Clearanced to $1.74 Each(I had coupons for these, but they were at home Frown )
Final Price + Tax = $1.86 Each
(Marked $3.50 each for rummage sale)
*ETA - Sold 2 for $3.50 each on FB on 10/7/18

Softsoap Bodywash (Bought 14)
Regular Price $4.59 Each
-2/$7 Sale Price
-$3.00 off $10.00 Body Wash CVS Coupon (x3)
-$2.00 off $6.00 Body Wash CVS Coupon
*Earned $4.00 EB for every 2 I bought (Earned $21.00)
Final Price + Tax = $1.37 Each
(Marked $3.00 each for rummage sale)

Trolli Gummy Candies (Bought 7)
Regular Price $2.79 Each
-.79 sale Price Each
*Earned $2.00 EB on Each
Final Price + Tax = .12!
Plus I received .25 back (on one) from Ibotta for any grocery item
(Keeping these)

Venus Razors (Bought 6)
Regular Price $8.99 Each
-$3.00 Mfr Coupon (x5) (I had 6 coupons, but I see now the cashier didn't ring one up)
-$5.00 off 2 Venus Razors CVS Coupon
-$6.00 off 2 Venus Razors CVS Coupon (2)
-$3.00 off $15.00 Shave Purchase CVS Coupon (2)
-.80 20% off Purchase CVS Coupon
*Earned $6.00 EB for every two ($18.00 Earned)
Final Price + Tax = .09 total paid for all 6 razors!!
Less then .02 each!
(Marked $4.00 each for rummage sale)

Great News on the Jeep!!

August 15th, 2018 at 02:46 pm

Well the Jeep is totaled out, so that stinks, but in good news we are getting a lot more back for it then we anticipated!! We bought the Jeep in May 2016 for $5200.00....and insurance valued it today at $5096.33!! So they only show the value went down $100 since we got it 27 months ago! Basically got to drive it for $50 a year! SWWEEEEEEETTTT!!!!

Our ded is $500, but since it was a non-collision accident (deer, rather then another auto, etc.) the ded is only $250, so we are getting back $4846.33!!

So happy!! We will need to get a new vehicle sooner then later but for now we will make it work with our car and truck until we find the right fit for a new vehicle. We will use some of the money for medical bills and put the rest into savings for now. Smile

Awesome Gift Set Clearance!

August 14th, 2018 at 02:24 pm

My Mom was at CVS to get an Rx and ran into this amazing deal! The packaging appears to be Christmasy...so I think someone must have just found these in the back room and put them out for .99!! That's 95% off on the $19.99 ones!!!
I expect these to go fast at holiday time!



Baylis and Harding Large Gift Set (Bought 2)
Regular Price $19.99
-$19.00 Clearance Price Each
Final Price + Tax = $1.05 Each
(Marked $10.00 for rummage sale)

Baylis and Harding Medium Gift Set (Bought 2)
Regular Price $16.99
-$16.00 Clearance Price Each
Final Price + Tax = $1.05 Each
(Marked $8.00 for rummage sale)

CVS Deals Week of 6/16/18

August 14th, 2018 at 09:41 am

These deals were from June, so still shared with my Mom.



Crest ProHealth Advanced Toothpaste(4)
Regular Price $4.49 Each
-$1.49 Sale Price Each
-$1.00 Mfr Coupon (4)
-$2.00 off 2 Crest CVS Coupon (2)
*Earned $2.00 EB on each toothpaste (4)
Final Price + Tax = $3.87 Money Maker!!
(Marked $2.50 each for rummage sale)

Olay Body Wash (4)
Regular Price $8.69 Each
-2/$10 Sale Price
-$1.00 Mfr Coupon (2)
-$2.00 off 2 Olay CVS Coupon
-$2.50 off Olay CVS Coupon
*Received $2.00 EB
Final Price + Tax = $2.16 Each
(Marked $5.00 each for rummage sale)

Old Spice Body Wash (Bought 2)
Regular Price $5.29 Each
-$2.65 for BOGO 50% Off
-$1.00 Mfr Coupon
-$3.00 off 2 Old Spice CVS Coupon
Final Price + Tax = $2.13 Each
(Marked $3.00 for rummage sale)
*ETA - Sold 2 for $3.00 each on FB on 9/2/18
Profit = $1.74

$20K Update

August 13th, 2018 at 01:10 pm

Well the Jeep is totaled. We are still waiting to hear how much we will get back for it. Also our renter in Rental #1 is looking at buying a house which stinks as they have only been in there for a few months. If we don't find someone new right away they would lose their security deposit, but we would much rather have a good renter then have to deal with all of that again.

Current Balance $17,570.00
+$140.00 FB Sales
+$8.33 Cap 360 Interest
+$6.67 Even Out Amounts
Balance $17,725.00

Local Savings $3075.00
GC Savings $1680.00
Capital 360 Savings (US) $5980.00
Capital 360 Savings (Mom Loan Payback Account)$4290.00
Capital 360 Savings (Rental Deposit Account #1)$1200.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $17,725.00

52 Week Challenge
2018 Total = $970 (Weeks 1-30, 35-39, 41-45, 52-53)

FB Sales Week of 8/5/18

August 13th, 2018 at 12:43 pm

Sales this week were $153.00!! So excited that I sold my clarinet.

Sale #936 (JL) $100.00
My High School Clarinet

Sale #937 (NC) $42.00
Nugg Face Mask - We paid $.70
Sold for $2.00
Profit = $1.30

Formula 10.0.6 BE Face Mask - We paid $1.86
Sold for $4.00
Profit = $2.14

Wet'N'Wild Cat Suit Lip Gloss(3) - We paid $.76 each
Sold for $2.50 each
Profit = $5.22

Physicians Formula Powder - We paid $1.22
Sold for $7.00
Profit = $5.78

Revlon Nail Clipper - We paid $.51
Sold for $2.00
Profit = $1.49

Revlon Toe Nail Clipper - We paid $.78
Sold for $2.00
Profit = $1.22

OGX Shampoo/Conditioner (2) - We paid $1.79 each
Sold for $4.00 each
Profit = $4.42

Milkshake Straws (2) - We paid .26 each
Sold for $1.00 each
Profit = $1.48

CVS Pantiliners (2) - We paid $0
Sold for $1.00 each
Profit = $2.00

Scope (Me) - I paid $.28
Sold for $3.00
Profit = $2.72

Secret Spray Deodorant (Me) - I paid $.07
Sold for $2.50
Profit = $2.43

Sale #938 (JF) $42.00
Straws (2) - We paid .27 each
Sold for $1.00 each
Profit = $1.46

Sale #939 (SH) $9.00
Nugg Face Mask (2) - We paid $.70
Sold for $2.00
Profit = $2.60

CVS Pantiliners (2) - We paid $0
Sold for $1.00 each
Profit = $2.00

Photo Albums (2) - Donated to Me
Sold for $1.00 each
Profit = $2.00

For my Mom: 2 boxes of straws .50 each

Hit a deer :(

August 8th, 2018 at 09:24 am

When MO and I were driving home from softball on Monday night we hit a deer on the highway. MO was driving (thankfully) and two deer ran onto the highway right in front of the Jeep. There was also a vehicle passing us on the left lane at the same time, so hitting the deer was the best option over hitting the other vehicle or going into the ditch and possibly rolling the Jeep. Luckily MO was able to hit the breaks and lessen the blow to us, so it wasn't a super severe impact in the car, we and our 2 dogs who were also in the vehicle are all totally fine. The deer was not Frown and our Jeep is probably totaled. MO contacted insurance and our roadside assistance towed for free to a local bodyshop. We should find out in the next few days if it is a total loss or not, but we are thinking it will probably be totaled out. It's too bad as that was our nicest and most reliable vehicle. But everyone is safe and that is all that matters!

$20K Update

August 8th, 2018 at 09:16 am

Current Balance $17,385.00
+$60.00 FB Sales
+$50.00 My Payday to Our Savings
+$75.00 My Payday to Mom Loan Savings
Balance $17,570.00

Local Savings $2935.00
GC Savings $1680.00
Capital 360 Savings (US) $5970.00
Capital 360 Savings (Mom Loan Payback Account)$4285.00
Capital 360 Savings (Rental Deposit Account #1)$1200.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $17,570.00

52 Week Challenge
2018 Total = $970 (Weeks 1-30, 35-39, 41-45, 52-53)

FB Sales Week of 7/30/18

August 6th, 2018 at 09:28 am

Lots of good sales this week with old and new items!! Sales were $102.00!!

Sale #928 (KT) $24.00
Finding Dory Creativity Sets (2) - We paid $5.81 each
Sold for $12.00 each
Profit = $12.38

Sale #929 (LC) $8.00
OGX Shampoo/Conditioner (2) - We paid $1.79 each
Sold for $4.00 each
Profit = $4.42

Sale #930 (AH) $14.00
OGX Shampoo/Conditioner (2) - We paid $1.79 each
Sold for $4.00 each
Profit = $4.42

Black Cherry Candle Set - We paid $2.00
Sold for $5.00
Profit = $3.00

Revlon Nail Files - I paid .09
Sold for $1.00
Profit = $.81

Sale #931 (LW) $8.00
OGX Shampoo/Conditioner (2) - We paid $1.79 each
Sold for $4.00 each
Profit = $4.42

Sale #932 (CC) $6.00
Nivea Lip Butter (Me) - I paid .99
Sold for $2.00 each
Profit = $1.01

Nivea Lip Butter (Joint) - We paid $1.05
Sold for $2.00 each
Profit = $.95

For My Mom: Nivea Lip Butter, $2.00.

Sale #933 (JC) $16.00
Curad Bandaids (2) - We paid .53 each
Sold for $1.00 each
Profit = .94

Milkshake Straws (2) - We paid .26 each
Sold for $1.00 each
Profit = $1.48

Scope Mouthwash - We paid $1.32
Sold for $3.00
Profit = $1.68

Tresemme Dry Shampoo - We paid .88
Sold for $3.00
Profit = $2.12

Loreal Straightening Balm - We paid .88
Sold for $3.00
Profit = $2.12

For my Mom: Scope for $3.00.

Sale #934 (SR) $21.00
Emoji Glitter Baton - We paid .80 each
Sold for $2.00 each
Profit = $1.20

Softsoap Body Wash (2) - We paid $2.23
Sold for $3.00 each
Profit = $1.54

Formula 10.0.6 BE Face Mask - We paid $1.86
Sold for $4.00
Profit = $2.14

Aleve 50ct - I paid $1.91 each
Sold for $4.00 each
Profit = $4.18

Toothpick Dispenser - We paid $.26
Sold for $1.00
Profit = $.74

Sale #935 (DI) $5.00
Mulitfunction Scissors (Me) - I paid .99 each
Sold for $5.00 each
Profit = $4.01

$20K Update

August 3rd, 2018 at 12:49 pm

Current Balance $17,335.00
+$50.00 MO Payday to Our Savings
Balance $17,385.00

Local Savings $2875.00
GC Savings $1680.00
Capital 360 Savings (US) $5920.00
Capital 360 Savings (Mom Loan Payback Account)$4210.00
Capital 360 Savings (Rental Deposit Account #1)$1200.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $17,385.00

52 Week Challenge
2018 Total = $970 (Weeks 1-30, 35-39, 41-45, 52-53)

Debt Update - 8/3/18

August 3rd, 2018 at 12:46 pm

I love debt update days!!!

Celebrations for this update:
-$694.89 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 $5,253.76
Mom Loan #2 $12,731.76
MO Mortgage $82,420.71
My Mortgage $147,300.00
Our Mortgage $243,893.54
Total = $491,599.77

Down $694.89 in the last two weeks!

Starting total was $587,351.27
$95,751.50 paid off since 6/19/15 (including downpayment on house)!!!!!

CVS Deals Week of 7/29/18

August 1st, 2018 at 01:28 pm

Got some sweet deals this week! Starting today I am going to be doing a lot more deals separate from my Mom as she hasn't been able to contribute on the work portion for over 8 months now due to medical issues, and I have been doing all of the work, but only getting 1/2 the profits this whole time. We were hoping she would get better enough to keep doing the deals together, but at this time she still hasn't and I just can't keep doing everything on my own and only getting 1/2 the profits. Of course anything we already got together will still be split. Just new items will be separate.



NYX Matte Lip Cream (Bought 2)
Regular Price $6.49 Each
-2/$11.98 Sale Price
*Received $10.00 EB for buying 2
Final Price + Tax = $1.38 Each!
(Marked $3.00 each for rummage sale)

Scope Mouthwash 1L (Bought 7)
Regular Price $5.29 Each
-.50 Sale Price Each
-$1.00 Mfr Coupon (4)
-$2.00 off $8.00 CVS Mouthwash Coupon (2)
-$3.00 off $10.00 CVS Mouthwash Coupon
-$3.00 off CVS Any Purchase Coupon
-$3.00 Beauty Club EB
*Received $6.00 EB for buying 2 (3 received)
Final Price + Tax = $1.96 for all 7! Just .28 each!
(Marked $3.00 each for rummage sale)
*ETA - Sold 1 for $3.00 on FB on 8/5/18