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Archive for April, 2020

Debt Update as of 4/24/20 - How's Life?

April 24th, 2020 at 10:17 pm

$225.82 paid off in the last 2 weeks!!

It's a low update, only Rental #1 was paid this update, and in addition I had underestimated the balance on that mortgage by about $80 on the last update. Going forward MO will be getting me the exact balance before I post my updates (this is the mortgage from his house before we married, so I don't have access to check the balance as he is the only one on that mortgage). It's exciting to have our first little bit of snowball! So we will pay an extra $100 the last update/paycheck of the month, and an extra $200 the first update/paycheck of the month.

Renter #1 is still behind $250 for April. Yet I see her buying random stuff on FB Sales sites....very frustrating. MO talked to her yesterday and she said she will be paying $600 soon, so that will pay off April, but then will still be $500 behind for May. In the meantime we received May rent from Renter #2 10 days early..lol. I guess it's a horse a piece??

We received our stimulus money, $2189, so I transferred $2200.00 to savings. I'm an even amounts kind of girl.

I am continuing to do reselling to supplement our income, it goes great when I actually post, but lately I haven't felt very motivated, so it goes in waves.

Sun is shining and weather is beautiful today. I hope it keeps up. I would really love to get some yard work done and think some Vitamin C would be very helpful to moral!

Still -0- cases of corona in our county. Fingers crossed it stays that way.

Celebrations for this update:
-$225.82 paid off in the last 2 weeks!!!
-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 $0
Mom Loan #2/#3 $27,806.82
MO Mortgage $76,624.18
My Mortgage $139,400.00
Our Mortgage $235,095.22
Total = $478,926.22

Down $225.82 in the last two weeks!

Starting total was $613,351.27
$134,425.05 paid off since 6/19/15 (including downpayment on house and adding new truck loan)!!!!!

$20K Update - Made it to $15K!

April 22nd, 2020 at 04:48 pm

We had to pay $700 to fill our propane tank yesterday so I may have to take out of savings for that, but for the moment we are back up to $15K!

Current Balance $14,890.00
+$150.00 FB Sales
Balance $15,040.00

Local Savings $1945.00
GC Savings $4000.00
Capital 360 Savings (US) $3035.00
Capital 360 Savings (Mom Loan Payback Account)$3710.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $15,040.00

52 Week Challenge
2020 Total = $0

FB Sales Week of 4/12/20

April 21st, 2020 at 10:08 pm

Good week of pickups with 1 big order picked up.
Total sales were $242.50!!

Sale #1698 (AW) $20.00
Sharpie Limited Edition 30ct Set (Joint with my Bro) - We paid $10.70 each
Sold for $20.00 each
Profit = $9.30

Sale #1699 (ASH) $10.00
Poke-A-Dot Books (2) (80/20 consignment)
Sold for $5.00 each
Profit = $8.00 for my consignor and $2.00 profit for me

Sale #1700 (LQ) $15.00
Pawaca Dinosaur Car Set (80/20 consignment)
Sold for $3.00
Profit = $2.40 for my consignor and $.60 profit for me

Tonka Road Rally Book (80/20 consignment)
Sold for $6.00
Profit = $7.20 for my consignor and $1.80 profit for me

Sale #1701 (DH) $39.00
John Deere Tractor Toy (80/20 consignment)
Sold for $5.00
Profit = $4.00 for my consignor and $1.00 profit for me

Tupperware Train Toy (80/20 consignment)
Sold for $10.00
Profit = $8.00 for my consignor and $2.00 profit for me

Board Books (80/20 consignment)
Sold for $2.00 each
Profit = $3.20 for my consignor and $.80 profit for me

Paw Patrol Board Books Set (80/20 consignment)
Sold for $5.00
Profit = $4.00 for my consignor and $1.00 profit for me

Crayola Silly Scents Sticker Maker (Joint with my FSIL) - We paid $5.35
Sold for $15.00
Profit = $9.65

Sale #1702 (TSH) $5.00
Rubbermaid Egg Holder (Joint with my FIL) - We paid $1.07
Sold for $5.00
Profit = $3.93

Sale #1703 (JS) $5.00
Disney Princess Dresses (Joint with my Mom) - We paid $1.06
Sold for $5.00
Profit = $3.94

Sale #1704 (JA) $10.00
Disney Princess Dresses (Joint with my Mom) - We paid $1.06
Sold for $5.00
Profit = $3.94

Star Wars Puzzle Tin (Joint with my Mom) - We paid $1.00
Sold for $5.00
Profit = $4.00

Sale #1705 (DC) $144.50
NDSU Fleece Blanket (Joint with my FIL) - We paid $5.36 each
Sold for $15.00 each
Profit = $48.20

Softsoap Bodywash (6) - I paid $1.96 each for 4 and $1.50 for 2
Sold for $3.00 each
Profit = $7.16

Colgate Max Fresh Toothpaste (2) - I paid $1.70 for 1 and $1.20 for 1
Sold for $2.50 each
Profit = $2.10

Men's Nivea Bodywash - I paid $1.06
Sold for $3.00
Profit = $2.94

Pioneer Woman Two Tier Server (Joint with my FIL) - We paid $7.49
Sold for $16.00
Profit = $8.51

Secret Treasure Sleep Shorts (2) (Joint with my FSIL) - We paid $1.07 each
Sold for $3.00 each
Profit = $3.86

Mainstays Tea Kettle (Joint with my FIL) - We paid $4.28
Sold for $8.00
Profit = $3.72

Better Homes and Gardens King Pillowcase - I paid $2.68
Sold for $5.00
Profit = $2.32

Old Spice Deodorant (Joint with my FSIL) - We paid $1.14
Sold for $3.00
Profit = $1.86

Mainstays Mini Fan 4" (Joint with my FIL) - We paid $1.61
Sold for $3.00
Profit = $1.39

-$12.00 for a returned hair straightener that didn't work

$20K Update

April 17th, 2020 at 09:33 pm

Current Balance $14,720.00
+$45.00 To get GC Savings to $4000.00
+$50.00 My Payday to Our Savings
+$75.00 My Payday to Mom Loan Savings
Balance $14,890.00

Local Savings $1795.00
GC Savings $4000.00
Capital 360 Savings (US) $3035.00
Capital 360 Savings (Mom Loan Payback Account)$3710.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $14,890.00

52 Week Challenge
2020 Total = $0

Stimulus Payment - Not as much as expected?

April 15th, 2020 at 03:47 pm

We received our stimulus payment today, we thought we would be getting $1200 each, for a total of $2400.00 The actual payment was $2189. Can anyone shed any light on why the difference in the amount?

Either way we are super happy for any bonus money in our lives! I moved it over to savings this morning. We also had some medical bills to pay out and we painted one of our extra bedrooms.

Getting close to $15K!

Current Balance $13,020.00
+$2200 Stimulus Payment
-$100.00 Painting Bedroom
-$400.00 Medical Bills
Balance $14,720.00

Local Savings $1795.00
GC Savings $3955.00
Capital 360 Savings (US) $2985.00
Capital 360 Savings (Mom Loan Payback Account)$3635.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $14,720.00

52 Week Challenge
2020 Total = $0

$20K Update - Our Stimulus Payment is Pending

April 13th, 2020 at 08:47 pm

I checked our checking account today and the Stimulus Payment is pending. It is a little over $2000 for us, so that is exciting! For now the money will go into savings, most likely to be used for medical bills as our HSA is down to only $500 now. For now our savings have passed $13K! Once the Stimulus money shows available I will get it moved over to savings and updated in our total.

Current Balance $12,890.00
+$40.00 Mortgage Savings
+$40.00 FB Sales
+$50.00 My Payday to Our Savings (4/10)
Balance $13,020.00

Local Savings $1795.00
GC Savings $1755.00
Capital 360 Savings (US) $3485.00
Capital 360 Savings (Mom Loan Payback Account)$3635.00
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
2020 Total = $0

FB Sales Week of 4/5/20

April 13th, 2020 at 08:26 pm

A few sales picked up this week. Total sales were $109.00!!

Sale #1693 (AZ) $15.00
Red Ride-In Toy Car (80/20 consignment)
Sold for $15.00
Profit = $12.00 for my consignor and $3.00 profit for me

Sale #1694 (CM) $18.00
Vtech Rocking Horse (80/20 consignment)
Sold for $12.00
Profit = $9.60 for my consignor and $2.40 profit for me

Fisher-Price Electronic Storybook (80/20 consignment)
Sold for $6.00
Profit = $4.80 for my consignor and $1.20 profit for me

Sale #1695 (BM) $20.00
Sharpie Limited Edition 30ct Set (Joint with my Bro) - We paid $10.70 each
Sold for $20.00
Profit = $9.30

Sale #1696 (KG) $20.00
Sharpie Limited Edition 30ct Set (Joint with my Bro) - We paid $10.70 each
Sold for $20.00
Profit = $9.30

Sale #1697 (CP) $20.00
Sharpie Limited Edition 30ct Set (Joint with my Bro) - We paid $10.70 each
Sold for $18.00 each
Profit = $14.60

Debt Update as of 4/10/20 - How's Life?

April 10th, 2020 at 10:11 pm

$1519.89 paid off in the last 2 weeks!! WOW!

It is finally here! A ZERO!!!! Store Loan is officially paid off today! It started at $14,560.82!! As mentioned on my last update, we will now have a $300 snowball to send to MO's mortgage each month. So very excited for this!

Renter #1 is behind on rent again, she is blaming the corona business....but since this is like her 4th month in a row being late on rent, I would say it is safe to say that regardless of corona she would have been late again anyways. She paid $400 of her $850 rent and hopefully she will be making payment towards the rest. I don't want her to get too far behind. But with the current world situation, we will just do our best to work with her through all of this.

Looking forward to the stimulus money which will be going to savings when it comes in.

Reselling is still going good, last weeks sales were $362.00! So people are still buying which is great. Selling lots of toys and games to keep littles that are stuck at home busy!

Doing some more home updates this weekend with getting some painting done and an extra bedroom that accidentally turned into a junk room cleaned out. Feels good to have some progress there too!

Still -0- cases of corona in our county. Fingers crossed it stays that way.

Celebrations for this update:
-$1519.89 paid off in the last 2 weeks!!!
-STORE LOAN IS PAID OFF!!
-Mom Loan went under the next $1000 mark!
-Total Debt went under the next $1000 mark for the 3rd 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 $0
Mom Loan #2/#3 $27,806.82
MO Mortgage $76,850.00
My Mortgage $139,400.00
Our Mortgage $235,095.22
Total = $479,152.04

Down $1519.89 in the last two weeks!

Starting total was $613,351.27
$134,199.23 paid off since 6/19/15 (including downpayment on house and adding new truck loan)!!!!!

$20K Update

April 7th, 2020 at 03:39 pm

Current Balance $12,670.00
+.38 GC Interest
+$4.63 Even Out Amount
+$90.00 FB Sales
+$50.00 My Payday to Our Savings (4/3)
+$75.00 My Payday to Mom Loan Savings (4/3)
Balance $12,890.00

Local Savings $1755.00
GC Savings $1715.00
Capital 360 Savings (US) $3435.00
Capital 360 Savings (Mom Loan Payback Account)$3635.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $12,890.00

52 Week Challenge
2020 Total = $0

FB Sales Week of 3/29/20

April 6th, 2020 at 07:17 pm

Lots of orders, big and little picked up this week! Consignment sales continue to go great! I also need to start pulling out my spring inventory.

Sales for the week were $362.00!!

Sale #1682 (SS) $20.00
Diaper Genie and Inserts (80/20 consignment)
Sold for $20.00
Profit = $16.00 for my consignor and $4.00 profit for me

Sale #1683 (DI) $13.00
Baby Toy Lot (80/20 consignment)
Sold for $5.00
Profit = $4.00 for my consignor and $1.00 profit for me

Fisher-Price Crocodile Toy (80/20 consignment)
Sold for $5.00
Profit = $4.00 for my consignor and $1.00 profit for me

Fisher-Price Train Stacker Toy (80/20 consignment)
Sold for $3.00
Profit = $2.40 for my consignor and .60 profit for me

Sale #1684 (BH) $15.00
Fisher-Price Safari Zoomer Set (80/20 consignment)
Sold for $15.00
Profit = $12.00 for my consignor and $3.00 profit for me

Sale #1685 (WM) $4.00
Giant Stuffed Frog (80/20 consignment)
Sold for $4.00
Profit = $3.20 for my consignor and $.80 profit for me

Sale #1686 (AA) $9.00
Fisher-Price Baby Blocks (80/20 consignment)
Sold for $5.00
Profit = $4.00 for my consignor and $1.00 profit for me

Fisher-Price Animal Puzzle (80/20 consignment)
Sold for $4.00
Profit = $3.20 for my consignor and $.80 profit for me

Sale #1687 (EM) $15.00
Dog Door (Found cleaning out garage)
Sold for $15.00
Profit = $15.00

Sale #1688 (JC) $69.00
Rubbermaid Egg Holder (Joint with my FIL) - We paid $1.07
Sold for $5.00
Profit = $3.93

Baby Magic Gift Set (Joint with my FSIL) - We paid $2.68
Sold for $6.00
Profit = $3.32

Foam Block Set (80/20 consignment)
Sold for $6.00
Profit = $4.80 for my consignor and $1.20 profit for me

Tinkertoys (80/20 consignment)
Sold for $15.00
Profit = $12.00 for my consignor and $3.00 profit for me

Black and Decker Blender (Joint with my FIL) - We paid $9.59
Sold for $20.00
Profit = $10.41

Better Homes & Gardens King Bed Sheets - I paid $7.51
Sold for $15.00
Profit = $7.49

Generic Magic Erasers - I paid .05 each
Sold 5/$2.00
Profit = $1.75

Sale #1689 (JF) $102.00
Grippies Curves Toys (80/20 consignment)
Sold for $10.00
Profit = $8.00 for my consignor and $2.00 profit for me

Lincoln Logs (80/20 consignment)
Sold for $20.00
Profit = $16.00 for my consignor and $4.00 profit for me

WTF Boardgame (80/20 consignment)
Sold for $5.00
Profit = $4.00 for my consignor and $1.00 profit for me

Tegu Magnetic Blocks (80/20 consignment)
Sold for $40.00
Profit = $32.00 for my consignor and $8.00 profit for me

Little People School Bus (80/20 consignment)
Sold for $8.00
Profit = $6.40 for my consignor and $1.60 profit for me

Little People Tractor (80/20 consignment)
Sold for $8.00
Profit = $6.40 for my consignor and $1.60 profit for me

PJ Mask Toys (3)(Joint with my FIL) - We paid $1.07 each
Sold 3/$5.00
Profit = $1.79

Softsoap Halloween Handsoap (6) (Joint with my FIL) - We paid .26 each
Sold for $1.00 each
Profit = $4.44

Sale #1690 (SH) $5.00
Softsoap Halloween Handsoap (5) (Joint with my FIL) - We paid .26 each
Sold for $1.00 each
Profit = $3.70

Sale #1691 (MM) $105.00
Math Card Set (80/20 consignment)
Sold for $5.00
Profit = $4.00 for my consignor and $1.00 profit for me

Tinkerbell Cards (80/20 consignment)
Sold for $1.00
Profit = $.80 for my consignor and $.20 profit for me

Bag of Balls (80/20 consignment)
Sold for $1.00
Profit = $.80 for my consignor and $.20 profit for me

Noahs Ark Toy (80/20 consignment)
Sold for $8.00
Profit = $6.40 for my consignor and $1.60 profit for me

Little People Disney Carriage (80/20 consignment)
Sold for $5.00
Profit = $4.00 for my consignor and $1.00 profit for me

Little People Helicopter (80/20 consignment)
Sold for $6.00
Profit = $4.80 for my consignor and $1.20 profit for me

Little People Cinderella Set (80/20 consignment)
Sold for $5.00
Profit = $4.00 for my consignor and $1.00 profit for me

Little Tikes Slide (80/20 consignment)
Sold for $30.00
Profit = $24.00 for my consignor and $6.00 profit for me

Baby Magic Gift Set (Joint with my FSIL) - We paid $2.68
Sold for $6.00
Profit = $3.32

St. Patrick's Day Shirt - I paid $1.07
Sold for $3.00
Profit = $1.93

LOL Surprise Finders Keepers Chocolate and Toy (Joint with my FSIL) - We paid .66
Sold for $1.00
Profit = $.34

Zoomer Bunnies (Joint with my FIL) - We paid $5.36
Sold for $12.00
Profit = $6.64

Toy Story Chick (I received in a grab bag)
Sold for $1.00
Profit = $1.00

Tresemme Dry Shampoo (2) - I paid $3.21
Sold for $3.00 each (To use up EBs)
Loss = -.42

Pioneer Woman 3pc Bowl Set - I paid $11.77
Sold for $15.00
Profit = $3.23

Sale #1692 (AN) $5.00
Jojo Siwa Lipbalm Set (Joint with my FIL) - We paid .53
Sold for $5.00
Profit = $4.47