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Archive for January, 2019

$20K Update

January 14th, 2019 at 11:23 am

Current Balance $14,165.00
+$30.00 FB Sales
+$50.00 My Payday to Our Savings (1/11)
+$75.00 My Payday to Mom Loan Savings (1/11)
+$23.25 Checkout51 Rebate Check
+$1.75 Even Out Amount
Balance $14,345.00

Local Savings $7030.00
GC Savings $715.00
Capital 360 Savings (US) $3100.00
Capital 360 Savings (Mom Loan Payback Account)$1150.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $14,345.00

52 Week Challenge
2019 Total = $190 (Weeks 1-19 are paid)

FB Sales Week of 1/6/19

January 14th, 2019 at 08:40 am

Sales were a bit slower this week, but still good extra $$!! I do have a lot of orders that need to be picked up. Moving new and old inventory which is nice! I've also been working on an inventory spreadsheet so I can see what my oldest items are and get them moving or donated.

Total sales were $43.00.

Sale #1117 (LS) $8.00
Girls Athletica Tennies (Joint with my FIL) - We paid $3.20
Sold for $8.00
Profit = $4.80

Sale #1118 (DI) $10.00
Steam Iron (Cleaning out house)
Sold for $10.00
Profit = $10.00

Sale #1119 (SSB) $5.00
Ivory Free and Gentle Body Wash - I paid $2.64
Sold for $5.00
Profit = $2.36

Sale #1120 (KD) $20.00
Pantene Shampoo and Conditioner (8) (Joint with my Mom) - We made $1.14 each when purchasing!!
Sold for $2.50 each
Profit = $29.12

Hit a deer (again) and hubby grabs some after Christmas deals

January 10th, 2019 at 11:21 am

Coming home from one of our family Christmas celebrations we hit (well actually we were hit by) a deer. It was just a grazing blow from the deer hitting the front driver side corner and also along the door. No major damage and there wasn't even any blood, so I think the deer actually survived as it just kept running after the impact. Of course it was on our new truck, which we only bought so we would have enough room for the twins and the dogs, or we wouldn't even have such a nice vehicle.....we had taken it down to town since we were going to Christmas and were bringing down presents and the dogs...etc. So anyways the truck is in the shop to get fixed...even that little bit of damage is almost $5000 in repairs. Our deductible for hitting a deer is only $250 thank goodness, but still stinks as we had just hit a deer in a different vehicle, on a different road back in Aug-Sept, and at that time it had totaled out our Jeep. We really watch for those buggers but they seem to be everywhere....neither MO or I had ever hit a deer till we started dating. Then I hit 1 in 2015ish and MO hit 2 in 2018. Hopefully we are done with that now!

When MO took the truck back to town to get it into the shop his Dad had to bring him back, so they had lunch together and then stopped into Walmart and grabbed some after Christmas deals for me! Since they picked them up together I will split with FIL. Some items to keep till next Christmas and some to resell now.



Axe Gift Set (Bought 1)
Regular Price $9.88
Our Price + Tax = $2.65
(I may open this up and sell in pieces or I may sell as a pack)

Color and Activity Books (Bought 35)
Regular Price $4.74 Each
Our Price + Tax = $1.27
(Marked $3.00 each for rummage sale)

Kids Holiday Water Bottles (Bought 31)
Regular Price .98
Our Price + Tax = $.26
(Marked $1.00 each for rummage sale)

Llama Beanie (Bought 1)
Regular Price $6.97
Our Price + Tax = $1.87
(Marked $4.00 for rummage sale)

Points of Light Projector (Bought 10, not pictured)
Regular Price $24.88
Our Price + Tax = $6.67 Each
(Marked $15.00 each for rummage sale)

Projection Plus Whirl-A-Motion + Static 2in1 Projector (Bought 6)
Regular Price $18.88 Each
Our Price + Tax = $5.06 Each
(Marked $10.00 each for rummage sale)

Smile Sets (Bought 12)
Regular Price $4.88 Each
Our Price + Tax = $1.31 Each
(Marked $3.00 each for rummage sale)

Soap and Scrub 4pc Bath Sets (Bought 2)
Regular Price $4.88 Each
Our Price + Tax = $1.31 Each
(Marked $3.00 each for rummage sale)

Famous Footwear BOGO 50% Clearance Sale

January 8th, 2019 at 02:19 pm

Famous Footwear was having a BOGO 50% off sale on their clearance. I was hoping to find a lot of good deals, but there really wasn't much there that was in the price range I like. I find so many good deals there most of the time that I hate to pay more then $5 a pair. We did find two pairs of shoes for hubby and then I got these 2 for selling.



Circus by Sam Edelman Tan Sandals
Regular Price $54.99
Clearance to $10.00
Final Price + Tax = $10.70
(Marked $25.00 for rummage sale)

Steve Madden Smiley Face Sandals
Regular Price $34.99
Clearance to $5.00
-$2.50 BOGO 50% off Sale
Final Price + Tax = $2.61
(Marked $15.00 for rummage sale)

Quick CVS Grabs

January 8th, 2019 at 11:13 am

I haven't been to CVS in months but I stopped in and scanned my extra care cards. I got a few good coupons and grabbed a few body washes.



Ivory Free and Gentle Body Wash (Bought 1)
Regular Price $6.49
-$1.72 Sale Price
-$.76 $2.00 off $6 Body Wash
Final Price + Tax = $2.64
(Marked $5.00 each for rummage sale)
*ETA - Sold for $5.00 on FB on 1/6/19
Profit = $2.36

Old Spice Body Wash (Bought 2)
Regular Price $5.29
-$2.65 50% Off Clearance Each
-$1.24 $2.00 off $6 Body Wash
Final Price + Tax = $2.15 Each
(Marked $3.00 each for rummage sale)

$20K Update - Rent and Casino Win! Hit $14K!

January 8th, 2019 at 07:39 am

We got rent for January and also added in FB sales. MO also won big at the casino and we came home $700 ahead! We put $500 of it into savings, $100 into the 52 Week Challenge and $50 each for fun money. We are already paid into May for the 52 Week Challenge!

Current Balance $13,045.00
+$95.00 FB Sales
+$400.00 January Rent
+$500.00 Casino Win
Balance $14,165.00

Local Savings $6975.00
GC Savings $715.00
Capital 360 Savings (US) $3050.00
Capital 360 Savings (Mom Loan Payback Account)$1075.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $14,165.00

52 Week Challenge
2019 Total = $190 (Weeks 1-19 are paid)

FB Sales Week of 12/30/18

January 7th, 2019 at 10:12 am

FB Sales for the week were $185.50!! That was 49 items sold!!


Sale #1105 (CB) $6.00
Plunge Chopper (Joint with my FIL) - We paid $3.20
Sold for $6.00 each
Profit = $2.80

Sale #1106 (DI) $6.00
Plunge Chopper (Joint with my FIL) - We paid $3.20
Sold for $6.00 each
Profit = $2.80

Sale #1107 (FMO) $4.00
Scented Crayons (Joint with my FIL) - We paid $2.66
Sold for $4.00 each
Profit = $1.34

Sale #1108 (DM) $20.00
NDSU Plastic Cups (10) (Joint with my FIL) - We paid .11 each
Sold for 2 sets of 5 cups for $4 per set
Profit = $6.90

NDSU Lanyards (3) (Joint with my FIL) - We paid $1.07 for 2 and one didn't get rang up so it was free
Sold for $4.00 each
Profit = $9.86

Sale #1109 (RD) $10.00
NDSU Pom Poms (5) (Joint with my FIL) - We paid .80 each
Sold for $2.00 each
Profit = $6.00

Sale #1110 (DH) $16.00
NDSU Stainless Steel Tumblers (2) - (Joint with my FIL) - We paid $3.22 each
Sold for $8.00 each
Profit = $9.56

Sale #1111 (JB) $16.00
NDSU Stainless Steel Tumblers (2) - (Joint with my FIL) - We paid $3.22 each
Sold for $8.00 each
Profit = $9.56

Sale #1112 (MG) $14.00
Girls Athletica Tennies(Joint with my FIL) - We paid $3.20 each
Sold for $8.00 each
Profit = $4.80

Pioneer Woman Kitchen Handtowel Set(Joint with my Mom) - We paid $.63
Sold for $4.00
Profit = $3.37

Nugg Face Mask (Joint with my Mom - We paid $.70
Sold for $2.00
Profit = $1.30

Sale #1113 (JC) $27.50
EOS Single Pack Lip Balm (Joint with my Mom) - We paid $1.05 each
Sold for $2.50 each
Profit = $1.45

EOS Lip Balm 3pk(Joint with my Mom) - We paid $3.27 each
Sold for $7.00 each
Profit = $3.73

Chapstick Brand Holiday 3pk (Joint with my Mom) - We paid $1.33 each
Sold for $3.00 each
Profit = $1.67

Sterilite 2 Drawer (Joint with my FIL) - We paid $5.33
Sold for $15.00 each
Profit = $9.67

Sale #1114 (KW) $10.00
Pantene Shampoo and Conditioner (4) (Joint with my Mom) - We paid $1.01 each
Sold for $2.50 each
Profit = $5.96

Sale #1115 (CC) $12.00
Conair Hair Dryer (Joint with my Mom) - We paid $5.65
Sold for $12.00 each
Profit = $6.35

Sale #1116 (AH) $48.00
OGX Shampoo and Conditioner (12) (Joint with my Mom) - We paid $1.79 each
Sold for $4.00 each
Profit = $26.52

2019 Goals

January 7th, 2019 at 07:28 am

We are keeping it really simple this year for goals. Keep breathing, pay minimums on our current debts, and don't accrue any new debt (with our HSA fund pretty depleted we need to make sure we aren't acquiring any medical debt).

2019 Goals

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

Debt
-Store Loan (From $4,078.11 to $978.74)
-Mom Loan #3 (From $36,541.06 to $30,012.24)
-Rental #1 Mortgage (From $81,458.91 to $79,178.91)
-Rental #2 Mortgage (From $145,550.00 to $141,550.00)
-Our House (From $241,855.85 to $236,820.33)
-STRETCH GOAL - No stretch goal this year. We just really need to focus on savings and staying out of new debt rather then paying extras on existing debt. I am excited that in 2020 the Store Loan will be paid off and then we can snowball that payment onto something else, but for now we will just keep trucking along. Total debt will go from $509,425.02 to $488,540.22, for a total debt reduction of $20,884.80.

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 by Laughlin trip in March (Currently down 22lbs)

Home Improvements and Rental Updates
-Pour cement patio at Rental #1
-Plant bigger/better garden at new house
-Get front and back yard under control

How did we do on 2018 goals?

January 4th, 2019 at 02:20 pm

Obviously our year didn't go as planned at all with losing the twins, but here is a check in on our financial goals. Considering all we have been through this year, I really think we did pretty darn good.

2018 Goals

Savings
-Pay in cash for Vegas trip - Goal met!
-Keep savings at/above $5K by end of year - Goal met! Savings was at $13K at the end of the year!

Debt
-Mom Loan #2 (From $17,327.47 to $10,410.84) - Goal not met as we purchased a new vehicle so we would have enough room for the babies and the dogs, we added the loan for the truck to the Mom Loan.
-Store Loan (From $7,116.12 to $4,078.11) - Goal met!
-Rental #1 Mortgage (From $83,740.75 to $81,520.75)- Goal met and exceeded by $61.84!
-Rental #2 Mortgage (From $149,980.00 to $146,380.00)- Goal met and exceeded by $830.00!
-Our House (From $246,688.21 to $241,855.85) - Goal met!

-STRETCH GOAL Total Debt Balance down to $474K or less. That would be if things go well and we could payoff the Mom Loan. That would put us down $30,852.55 for the year (Currently at $504,852.55). - Goal not met due to getting the new truck and saving for babies and not paying off any extra on debt

Retirement
-Continue contributing 6% to 401K -Goal met!
-Research and review allocations of ROTH and make appropriate adjustments - Goal not met, just too much going on and it didn't get looked at.


Health
-Be positive and thankful for what I have - Man I tried, but losing the babies really tanked me
-Lose 50lbs - Obviously with a twin pregnancy that was no longer a goal for the year, but I am down 10lbs from where I started last year.

Home Improvements and Rental Updates
-Complete minor repairs at Rental #1 (hole in wall)- Goal met, we got a lot of repairs done at Rental #1 when we had a new renter move in.
-Plant bigger/better garden at new house - Goal not met, just too much going on and it wasn't addressed.

Debt Update 1/4/19

January 4th, 2019 at 08:16 am

$657.16 paid off in the last 2 weeks!!!

Celebrations for this update:
-$657.16 paid off in the last 2 weeks!!
-Store 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 $3,960.05
Mom Loan #2/#3 $36,001.96
MO Mortgage $81,400.00
My Mortgage $145,550.00
Our Mortgage $241,855.85
Total = $508,767.86

Down $657.16 in the last two weeks!

Starting total was $613,351.27
$104,583.41 paid off since 6/19/15 (including downpayment on house and adding new truck loan)!!!!!

Took in my pennies, cleaning and purging

January 3rd, 2019 at 05:36 pm

Continuing to stay busy to try to keep myself sane. Lucky for me I like being busy and productive. I got my Christmas decorations down today which was good, it’s one of my least favorite jobs but MO was out of town coaching basketball so it was a good time to tackle it. Hoping to take a relaxing hot shower and go to bed early.

I cleaned my office on New Years Eve including dusting and sweeping. Purged a lot of paper and random junk that was cluttering my desk. I got my new calendar (Christmas gift) up, new planner filled out and got my new address book (Christmas gift) all filled out. I gave my old address book away on FB as it was a 3 ring binder style so I could just take out the used pages. In my office I had a huge plastic Coca-Cola piggy bank. I suppose it was about 2 - 2 1/2 feet tall. It was my grandmas and I wanted to fill it completely with pennies, I only had it about 1/5 of the way full, but it was getting pretty old and had cracked. Pennies were starting to fall out of the bottom. So when I cleaned my office I dumped the pennies into a bucket and took them to the bank. Good thing I did it now as the bottom started falling apart in pieces and that would have been almost 3000 pennies to clean off the floor! My total was $27.97. I put $25 into savings and the rest back in a different change jar for next time.

I’m hoping to work in the “store” room more soon and get my oldest inventory items out of there. I also want to clean out the bathroom cupboards as they are a mess and I know there is lots to toss in there. Maybe this weekend.

Today was Day 32 of P90X and I’m actually looking forward to my workouts and I try to do my best on each one. I’m down 22lbs since I gave birth and about 12lbs from last New Years. It’s one of the only things that ever keeps my mind off the babies.

Current Balance $13,020.00
+$25.00 Pennies
Balance $13,045.00

Local Savings $5255.00
GC Savings $1315.00
Capital 360 Savings (US) $3050.00
Capital 360 Savings (Mom Loan Payback Account)$1075.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $13,045.00

52 Week Challenge
2019 Total = $0

$20K Update - Even Out Interest

January 2nd, 2019 at 08:07 am

Current Balance $12,895.00
+$125.00 FB Sales
+$50.00 MO Payday to Our Savings (1/4)
+$3.18 Cap360 Interest
+$56.82 Even Out Amount
+$6.22 Local Savings Interest
+$3.78 Even Out Amount
+.03 GC Interest
+$4.97 Even Out Amount
Balance $13,020.00

Local Savings $5230.00
GC Savings $1315.00
Capital 360 Savings (US) $3050.00
Capital 360 Savings (Mom Loan Payback Account)$1075.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $13,020.00

52 Week Challenge
2019 Total = $0