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What happened to Noted Spending November??

December 6th, 2017 at 10:53 pm

Well that went straight out the window...that's where!

we were doing good at tracking spending till Christmas Shopping and Black Friday shopping hit. Things went crazy. So much shopping so many stores.

Besides all the Christmas shopping, tons of deals for resell, and normal needs, I also got a new laptop on Black Friday (Mine is 4 years old and slow as molasses so it was time).


Now that our renter is moving out we need to get even more serious about tracking and reducing our spending. I do think we were doing a good job until the holiday shopping frenzy happened. So hopefully we can stay on track and start 2018 on a good note!

Renter Moving Out - This could get ugly

December 6th, 2017 at 10:48 pm

Just one week after our basement renter moved out, we received notice from our renter in Rental #1 that they will be moving out as of 2/1/18. This renter has been in there since we started renting the house in Sept 2015, always pays rent on time, no problems whatsoever.....we are really sad to see them go!

This rental is in the very small town where we live and right now the housing market is terrible here. So many houses for sale. Population is only around 3K. It's very difficult to find renters.

Plus the renters that were living there had started building a patio on the back of the house with our permission. So they took off the old steps and poured concrete. Now it's Dec and they are going to move out and we have no steps on the back of our house.....UGH!

At least we have two months notice, and we can lower the rent to help find a renter too, but this was definitely not what we needed when we are trying to bulk up savings for medical services in 2018.

Boooooooo!!!!!

Roomate moved out! SHOOT!

November 26th, 2017 at 11:47 pm

MO had a young man living in his basement in an extra bedroom when we started dating, then when we got married and moved to our new house, he had moved with us since we have 4 bedrooms and lots of extra room. He paid $400 a month and that extra money went right into savings and was a big help to us. Sadly he has decided to move to CA to live with his GF.....so after 3 1/2 years of the extra money, that is over.

It's a big hit to the finances. We were putting $1300 a month from rent for all of our rentals into savings, so we will have to lower that to $900 and try to continue to work on limited spending (which was going really well till Thanksgiving/Black Friday Shopping went nuts).

On the plus side now we have the 2nd bathroom back and will have another extra bedroom to use for guests or whatever we would like to use it for.

Noted November Spending Update

November 17th, 2017 at 03:15 pm

We got 1 more No Spend Day under our belt. I think we are doing "ok" Definitely could be doing a little better. I have noticed we are doing better at not grabbing little items when we are close to getting a no spend day. At least we stop and think about it!

I think we could do a No Spend Day today, then tomorrow we are going Christmas Shopping and I am going to try to get as many gifts done in one day as I can.


11/1 - NO SPEND DAY #1
11/2 - $108.49 Fuel for all 3 vehicles
11/3 - $7.07 I had a Drs apt out of town so I got breakfast and coffee.
11/3 - $10.94 National Sandwich Day at Subway, 2 Ft long subs and a drink for dinner
11/4 - $13.34 Out of town for the weekend, picked up lunch on the drive.
11/4 - $24.34 Dinner out of town
11/4 Fuel (don't have the amount yet, the transaction is still pending)
11/5 - $18.27 Breakfast out of town
11/5 - $23.21 Eating out for dinner (LAZY)
----------------------------------------------------
11/5 - $175.09 Monthly Cable and Internet Bill
11/6 - NO SPEND DAY #2
11/7 - NO SPEND DAY #3
11/8 - $24.99 Fuel for going out of town for Dr
11/8 - $20.00 MO Haircut
11/8 - $17.15 Breakfast while out of town for drs apts
11/8 - $1.25 CVS Deals
11/8 - $7.43 Tractor Supply (not sure what MO bought)
11/9 - $7.25 Breakfast for MOs BD
11/9 - $23.12 Lunch for MOs BD
11/9 - $49.00 Dinner for MOs BD
11/9 - $56.93 Fuel for truck for hunting
-----------------------------------------------------
11/10 - $40.00 MO picked up food while hunting
11/10 - $75.00 Monthly Work Internet Bill (This will be reimbursed by my work)
11/10 - $28.67 Fuel while hunting
11/11 - $17.58 McDonalds breakfast while hunting
11/11 - Pop (UGH!)
11/11 - $18.82 Fuel
11/11 - $27.74 Fuel
11/12 - $5.40 Snacks? Not sure
11/12 - $5.00 T-shirt I bought off local FB site
11/13 - $9.71 Drug Store
11/13 - $91.86 Bath and Body (some to keep, some to resell)
11/14 - NO SPEND DAY #4
11/15 - $68.14 Verizon Monthly Phone Bill
11/15 - $10.64 Grocery Store

Noted November Spending Update

November 10th, 2017 at 09:13 pm

The trend only 10 days in is very clear, fuel and eating out = $$$$$$$.

MO is out of town now hunting so I am sure he will have a few more gas fills. Hoping to get our 4th No Spend Day on Sunday.

Also planning on doing all Christmas Shopping on one day to get it all done and out of the way.


11/1 - NO SPEND DAY #1
11/2 - $108.49 Fuel for all 3 vehicles
11/3 - $7.07 I had a Drs apt out of town so I got breakfast and coffee.
11/3 - $10.94 National Sandwich Day at Subway, 2 Ft long subs and a drink for dinner
11/4 - $13.34 Out of town for the weekend, picked up lunch on the drive.
11/4 - $24.34 Dinner out of town
11/4 Fuel (don't have the amount yet, the transaction is still pending)
11/5 - $18.27 Breakfast out of town
11/5 - $23.21 Eating out for dinner (LAZY)
----------------------------------------------------
11/5 - $175.09 Monthly Cable and Internet Bill
11/6 - NO SPEND DAY #2
11/7 - NO SPEND DAY #3
11/8 - $24.99 Fuel for going out of town for Dr
11/8 - $20.00 MO Haircut
11/8 - $17.15 Breakfast while out of town for drs apts
11/8 - $1.25 CVS Deals
11/8 - $7.43 Tractor Supply (not sure what MO bought)
11/9 - $7.25 Breakfast for MOs BD
11/9 - $23.12 Lunch for MOs BD
11/9 - $49.00 Dinner for MOs BD
11/9 - $56.93 Fuel for truck for hunting

Noted Spending November Update

November 6th, 2017 at 03:34 pm

Well we had a No Spend Day on the 1st and after that.....not so much. We were out of town 3 of the 6 days, so we ate out, which I suppose we could have packed sandwiches or something, but would have been pretty unrealistic for us to not spend some money on food. However the Subway for dinner on 11/3 and the dinner out on 11/5 definitely weren't necessary. I belive we can have a No Spend Day today and tomorrow (Wed I am out of town for Drs. again), which would put us at 3/9 days which seems good to me! Already eye opening how much we spend on convenience food! I decided to bold the transactions that could have been avoided.

11/1 - No Spend Day!
11/2 - $108.49 Fuel for all 3 vehicles
11/3 - $7.07 I had a Drs apt out of town so I got breakfast and coffee.
11/3 - $10.94 National Sandwich Day at Subway, 2 Ft long subs and a drink for dinner
11/4 - $13.34 Out of town for the weekend, picked up lunch on the drive.
11/4 - $24.34 Dinner out of town
11/4 Fuel (don't have the amount yet, the transaction is still pending)
11/5 - $18.27 Breakfast out of town
11/5 - $23.21 Eating out for dinner (LAZY)

Noted Spending November

November 1st, 2017 at 05:02 pm

Alright it is Day 1 of Gazelle Savings!

Having two rental properties, holidays coming up, and normal spending, NO SPEND is not very cohesive for us, so I am going for a Noted Spending November. Trying to track all spending for the month and hopefully keep it to a minimum and savings to a maximum!

Today is a normal work day, this evening MO has basketball and I will work some OT and then plan on watching Game 7 of the World Series. We shouldn't have any spending today!

Gazelle Time - Trying to stay out of massive medical debt

October 26th, 2017 at 02:49 pm

MO and I have been talking and gearing up for 6 months of "gazelle like intensity" from November to April. We were going to focus on cutting costs as much as we could, no casino trips, no eating out, no cases of beer/pop in the fridge, no un-needed spending, and at the same time me doing more OT, making FB sales (which are going amazing BTW) and MO coaching Bball and earning that extra money. We wanted to ensure that we can payoff the Mom Loan by March/April and then bball is over and we could go on vaca and celebrate having the Mom Loan paid off. We were already planning this (making freezer meals, stocking the pantry, discussed in detail, etc.) and then yesterday we found out we are probably going to have a $20K medical bill coming up.

So for now we will not be looking to make any early payoffs, but just to keep our heads above water mentally and financially. We are still going to do our 6 month gazelle, but instead of planning on using it to payoff the Mom Loan, we will be holding it to see what we will owe for the medical and hopefully not go severely backwards on the debt total. We do not have a time line yet for the procedure, but probably not till early next year. I do have health insurance as well as about $6K in my HSA account. I also changed my elections for next year to start putting money in the HSA again (I had it up to $10K at one time but weekly tests/apts/ have drained a lot). So my paycheck deductions are going to double from about $80 a paycheck to $160 a paycheck.



Back from Vegas - We are safe!

October 6th, 2017 at 03:22 pm

We are back and we are ok!

We got to Vegas on the afternoon of 10/1/17, that evening was the attack.

When we got there in the afternoon, we checked into our hotel at The Linq and started walking down the strip to meet some friends to do some gambling at Planet Hollywood. We got to PH many hrs before we were planning to meet up, so we were gambling and drinking, typical Vegas for us. I was sitting at a machine and I just had this awful feeling of dread. I told MO I feel awful anxiety right now. I feel terrible in my stomach, like a ball of stress. I think I am having a panic attack. This made no sense to either of us, as we are on vaca, and a slot machine with a beer is one of my favorite places to be! I felt like I was going to puke, and like I was going to a job interview, or to give a speech. A terrible panicked feeling. But no reason???

I tried to shake it off and thought I just need a few drinks to relax. So we had some beers and met some friends and I started to have a lot of fun and let go of the worrisome feelings I was having.

Hours later we left our friends and started back in the direction of the The Linq (heading away from Mandalay Bay). At some point in time (I can't remember when), we did hear that there was a shooting at Mandalay Bay. That was the only information we heard. I assumed it was some type of a domestic shooting situation, plus we were about a mile down the strip from Mandalay Bay so we didn't think much of it at the time since we had no details.

MO was hungry so we went past our hotel, and through Harrah's (which was absolutely packed with people) to Casino Royale and got some food and were gambling there a bit more. Casino Royale is a very tiny place, it is nothing like the big resort/casinos. We were standing together in the middle of the casino talking about heading to bed. All of the sudden everyone started screaming and running towards the back of the building. I screamed for my husband to run and I ran towards the back of the building. There isn't really anywhere to go in that small casino so I ended up hiding behind a partition wall that separates the food court area from the casino. Many people ran past me and hid in a cleaning closet. I remember thinking the shooter will open the door and shoot them all and they will have no where to go! While I was hiding I called 911, but no one answered, obviously by that time the entire strip was in a panic and I am sure they were getting thousands of calls. I was sitting behind the wall trying to be as quiet as possible and thinking the shooter would walk around the corner and I would be done. It was so terrifying! Then my husband walked around the wall. Instead of running he had gone towards the panic to see what had happened and how he could help. I am glad he is brave and wants to help people, but wow that was so scary! He said he didn't know what scared everyone that caused them to run, but no shooter was in the casino.

We ran out the back door into an alley trying to get back to our hotel without going onto the strip. We went through a parking garage and got to the back side (non-Strip side) of Harrahs. We walked in and the entire casino was a ghost town. Not 20 mins before there had been thousands of people when we walked through, now there was no one but a few security officers. We walked all the way to the front of the casino, we wanted to go quickly to our hotel next door, but to do so we had to go out on the strip for about 40ft. The entrance was blocked off by security and a women was there arguing with them to let her leave. Security said they still did not know where the shooters were and that no one was allowed in or out.

We turned around and went back through the casino thinking we could get to our hotel by the monorail walkway. When we got there, another security guard was blocking that entrance and said the monorail is closed due to the security issues. We let him know we just want to go across to our hotel. He allowed us to go across the walkway and have our room keys ready to show security to let us in to get to our rooms. A little old lady was behind us and she said she was staying at The Linq too but she didn't know where her husband was and she wasn't sure if she had a room key. We took her with us and got to our hotel.

The elevators were a mess with people trying to get to the safety of their rooms. We go in an elevator full of people. There were 2 girls in there with us, I would say in there late twenties and they clearly had a lot to drink. They said people were shot by Mandalay Bay and had died. They said they were on the strip and saw someone run by with a gun and police were chasing them. We assumed that was why everyone had panicked and run when we were in Casino Royale.

We finally got back to our room and turned on the news. Since we were in Vegas we had all of the local news channels and everything was crazy with coverage of the shootings. At that time they were reporting 2 people killed, 24 injured. We sat in bed in shock watching everything and messaging family and friends that we were ok.

We went to bed late and woke up early. We turned on the news, the deceased count had gone from 2 to 50, then 58, then 59. Injured over 500+.

We talked to other friends in Vegas and found out what had happened at Casino Royale had also happened at many other casinos on the strip as many false reports had come out of shooters in other casinos, so it was a wide spread panic that went like a wave down The Strip.

We stayed in our room most of that day and near our hotel. The next day our reservations were down on Fremont St. so we moved down there for the rest of the strip. Police presence was much more prominent everywhere, which makes you feel safer, but also made you worry more. Everytime there was a scream you wondered if it was someone winning or if something bad was happening again. We came home yesterday and I am so happy to be home and safe.

Thank you to everyone who "checked" on us!
Prayers to everyone effected in Vegas and all across the US.

Blog Issues for anyone else?

August 29th, 2017 at 09:18 pm

Im having issues with being able to load pics again on my blog, and also with getting some weird errors where it thinks I am not a human......anyone else having issues??

Vegas Baby! Free flight, comped rooms, fun times ahead!

July 26th, 2017 at 05:07 pm

We leave for Vegas tomorrow! YEAH!!!!!

Due to previous trips, we have a lot of comps that will help us cover a lot of the costs.

-This trip is for my SIL's 21st BD, so my in-laws generously purchased the flight tickets for all of their kids and spouses as a Christmas present, so the flight is free!

-We are staying 4 nights at Harrah's properties which MO gets free nights at based on previous play. MO was able to get the rest of the family/friends discounts on their rooms at Harrah's. We are also staying 3 nights on Fremont St. and we have free rooms at several hotels there, so we were able to get the entire group free there!

-We are going to go to a BD dinner for SIL and we have $100 dinner voucher for that, so that should be close to free for me and MO(expensive restaurant, plus drinks + tips, we may have to pay a tiny bit OOP).

-We also have $100 worth of free food vouchers for Fremont St.

-We are bringing 2 $50 giftcards for Outback Steakhouse which we redeemed from our Discover Cashback Rewards (Free!), not sure if we will use both of those, but at least one as there is an Outback on the strip so that will cover another meal. We also got an extra $50 GC to give to my in-laws as a thank you for paying for the flights.

-The rest of our meals we will do a lot of slices of pizza or grabbing a sandwich at Subway or McDonalds or other cheap options. We are movers and shakers, so won't do too many sit down or expensive meals.

-All drinks are free while we gamble!

-Lastly we have a couple hundred in free slot play. When we get free play we always play it through, which is required, and as soon as we have played it through we cash it out and put it in our winner pocket to go home, so we should get at least a little something back from that, and maybe more!

So other then gambling, this should be a decently cheap vacation. We do both love to gamble (hence all of the comps), but we have a good strategy to always pocket our winners, so hopefully we have a little luck and come home with some good $$$!

MO won a $1000 Giftcard!!

July 14th, 2017 at 08:34 pm

Recently MO got a VM that he had won something in a raffle and to call to claim his prize. I said "Oh I don't remember you telling me you bought a raffle ticket" and he said "Oh yeah I didn't tell you because it was a $100 raffle ticket". WHHHHHHAAAAAT!
LOL! Apparently his sister was raising funds as she is a coach and he bought a $100 raffle ticket to support her sports team.

So he calls to find out what he won and it was a $1000 giftcard for a historic tourist town near us! We can use the GC for golfing (they have a nationally ranked golf course), shopping, dining, horse back riding, lodging, and their big draw which is an outdoor musical. So free vacation!! Smile

I did call and check that there is no expiration date and no fees so good on that too. I don't think we will have a chance to go this summer as we are pretty booked up, maybe early fall or next year.

Gift Card Inactivity Fees - Grrrr

July 14th, 2017 at 03:38 pm

As part of his Christmas bonus MO got 2 $250 Visa Giftcards from his employer. We hadn't used them yet, I prefer to save things like that and use them for something special instead of just frittering them away. But I knew they assessed inactivity fees if the cards aren't used within 12 months, so we were going to make sure that we at least used them once by December of this year.

Yesterday MO was going to town to run some errands and our CC bill for the month is already pretty high due to car repairs, so I suggested he take one of the Visa Giftcards for the errands and that way they will be activated. He called the 800 number on the cards to confirm the balances and found out we had already been charged $14.50 per card in inactivity fees! Apparently the employer had purchased them many months before they were given to us! Which of course we hadn't thought about. So we lost $29 due to that. Frown MO did use some on each of the cards yesterday so we won't get any more fees for another 12 months at least.

We plan on taking at least one of the GCs with to Vegas to pay for eating out as that should be pretty much our only expense other then gambling.

So lesson learned! Don't assume GCs that you receive were just recently purchased!

Drama - None for me, thanks!

April 5th, 2017 at 10:23 pm

So I went out of state last weekend to do bridesmaid dress shopping, everything went great, lots of fun with the bride and the other bridesmaids....then on the long drive home I get a text that the wedding is postponed?!!? No details. WTH. Thank goodness I didn't pay for my dress yet! Hoping everything works out because the Bride and Groom are really the best and so great together.


Then totally separate.....we thought it was weird that our family friend (FF) was moving out of our rental #2, he isn't buying a house, or moving in with someone new....he told MO he was moving because "he is a wanderer, and he has been there too long and needs to move on".....super weird. He only pays $600 a month for half of a 4 bedroom home, with fenced yard, hot tub, 2 stall garage, etc. It's a great deal and I can't image he can get a better deal somewhere else.

Then a few days after FF gives his notice, my BIL calls to tell MO, that his wife told him she wants a divorce....and she is moving into an apt with her BF....our FAMILY FRIEND/TENANT. Everyone is shocked and upset. I have thought for a long time that SIL and FF were too close, and I even called her out on it once, but of course she denied it and said they were just friends. UGH. I feel so terrible for my BIL, FF was one of his best friends, and he had no idea about anything. Also BIL's brother (a 3rd brother to MO and BIL) was living with FF this whole time that the sneaking around was going on! Very brazen SIL I have....

JCPenney - After Christmas Clearance!

January 3rd, 2017 at 03:44 pm

We found some amazing clearance deals at JCP! TONS of items at $1.97 and some at .98!!

Plus I applied for a JCP card to get an additional 32% off!

These items are all for resale and all joint with my Mom.

Total spent was $122.64, total potential sales $576.00, total potential profit = $453.36!!!!

We saved over $2000 on this lot!



Hard Plastic Flower Sandals (Bought 8)
Regular Price $22.00
Our Price + tax = .70 each
(Marked $5.00 each for rummage sale)

AZ Boys Cargo Shorts (Bought 19)
Regular Price $34.00 Each
Clearanced to $1.97 Each
Final Price After Additional % off + tax = $1.43 Each
(Marked $10.00 each for rummage sale)
*ETA - Sold 2 for $10.00 each at 5/5/17 rummage sale
*ETA - Sold 1 for $10.00 on FB on 6/4/17

AZ Boys Cargo Shorts - Husky (Bought 5)
Regular Price $38.00 Each
Clearanced to $1.97 Each
Final Price After Additional % off + tax = $1.43 Each
(Marked $10.00 each for rummage sale)

TG Girls Cotton Shorts (Bought 15)
Regular Price $18.00 Each
Clearanced to $1.97 Each
Final Price After Additional % off + tax = $1.43 Each
(Marked $5.00 each for rummage sale)
*ETA - Sold 4 for $5.00 each on FB on 1/1/17
*ETA - Sold 1 for $5.00 on FB on 4/23/17
*ETA - Sold 3 for $5.00 each on FB on 4/30/17
*ETA - Sold 4 for $5.00 each at 5/5/17 rummage sale

Total Girl Jean Shorts (Bought 1)
Regular Price $26.00 Each
Clearanced to $1.97 Each
Final Price After Additional % off + tax = $1.43 Each
(Marked $10.00 each for rummage sale)
*ETA - Sold for $10.00 at 5/5/17 rummage sale
Profit = $8.57

AZ Girls Midi Shorts (Bought 2)
Regular Price $26.00 Each
Clearanced to $1.97 Each
Final Price After Additional % off + tax = $1.43 Each
(Marked $8.00 each for rummage sale)
*ETA - Sold 1 for $8.00 at 5/5/17 rummage sale

Total Girl Skirt (Bought 1)
Regular Price $20.00 Each
Clearanced to $1.97 Each
Final Price After Additional % off + tax = $1.43 Each
(Marked $5.00 each for rummage sale)
*ETA - Sold for $5.00 at 5/5/17 rummage sale
Profit = $3.57

Total Girl Bermuda Shorts (Bought 1)
Regular Price $30.00 Each
Clearanced to $1.97 Each
Final Price After Additional % off + tax = $1.43 Each
(Marked $10.00 each for rummage sale)
*ETA - Sold for $10.00 on FB on 4/16/17
Profit = $8.57

AZ Bermuda Shorts (Bought 2)
Regular Price $26.00 Each
Clearanced to $1.97 Each
Final Price After Additional % off + tax = $1.43 Each
(Marked $8.00 each for rummage sale)
*ETA - Sold 1 for $7.00 on FB on 1/1/17

Total Girl Bike Shorts (Bought 2)
Regular Price $12.00 Each
Clearanced to $1.97 Each
Final Price After Additional % off + tax = $1.43 Each
(Marked $3.00 each for rummage sale)

Xersion Running Shorts (Bought 1)
Regular Price $20.00 Each
Clearanced to $1.97 Each
Final Price After Additional % off + tax = $1.43 Each
(Marked $6.00 each for rummage sale)
*ETA - Sold for $6.00 on FB on 1/1/17
Profit = $4.57

AZ Crochet Tank (Bought 1)
Regular Price $18.00 Each
Clearanced to $1.97 Each
Final Price After Additional % off + tax = $1.43 Each
(Marked $5.00 each for rummage sale)

AZ Girls T-shirts (Bought 10)
Regular Price $16.00 Each
Clearanced to $1.97 Each
Final Price After Additional % off + tax = $1.43 Each
(Marked $4.00 each for rummage sale)
*ETA - Sold 2 for $4.00 at 5/5/17 rummage sale

Xersion Racerback Tank (Bought 1)
Regular Price $18.00 Each
Clearanced to $1.97 Each
Final Price After Additional % off + tax = $1.43 Each
(Marked $5.00 each for rummage sale)
*ETA - Sold for $5.00 at 5/5/17 rummage sale
Profit = $3.57

Total Girl T-shirts (Bought 10)
Regular Price $16.00 Each
Clearanced to $1.97 Each
Final Price After Additional % off + tax = $1.43 Each
(Marked $4.00 each for rummage sale)
*ETA - Sold 5 for $4.00 each at 5/5/17 rummage sale

Total Girl T-shirt (Bought 1)
Regular Price $18.00 Each
Clearanced to $1.97 Each
Final Price After Additional % off + tax = $1.43 Each
(Marked $5.00 each for rummage sale)

Total Girl T-shirt (Bought 1)
Regular Price $20.00 Each
Clearanced to $1.97 Each
Final Price After Additional % off + tax = $1.43 Each
(Marked $5.00 each for rummage sale)

Total Girl Fringe Tank (Bought 2)
Regular Price $18.00 Each
Clearanced to $1.97 Each
Final Price After Additional % off + tax = $1.43 Each
(Marked $5.00 each for rummage sale)
*ETA - Sold 1 for $5.00 on FB on 4/30/17
*ETA - Sold 1 for $5.00 on FB on 7/16/17
Profit = $7.14

Total Girl Sequin T-shirts (Bought 6)
Regular Price $22.00 Each
Clearanced to $1.97 Each
Final Price After Additional % off + tax = $1.43 Each
(Marked $5.00 each for rummage sale)
*ETA - Sold 4 for $5.00 each at 5/5/17 rummage sale

Total Girl Flowy Tank (Bought 1)
Regular Price $24.00 Each
Clearanced to $1.97 Each
Final Price After Additional % off + tax = $1.43 Each
(Marked $6.00 each for rummage sale)
*ETA - Sold for $5.00 at 5/5/17 rummage sale
Profit = $3.57

Total Girl Cold Shoulder Top (Bought 1)
Regular Price $24.00 Each
Clearanced to $1.97 Each
Final Price After Additional % off + tax = $1.43 Each
(Marked $6.00 each for rummage sale)

Total Girl Sequin T-shirt (Bought 1)
Regular Price $24.00 Each
Clearanced to $1.97 Each
After reviewing receipt, cashier did not ring this up
Final Price After Additional % off + tax = $0 Each
(Marked $6.00 each for rummage sale)

Iron Man T-shirt (Bought 1)
Regular Price $20.00 Each
Clearanced to $1.97 Each
After reviewing receipt, cashier did not ring this up
Final Price After Additional % off + tax = $0 Each
(Marked $5.00 each for rummage sale)

My car hit 200,000 miles

December 27th, 2016 at 10:26 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!


An "Interesting" Thanksgiving and other November Musings

December 2nd, 2016 at 12:47 am

We hosted Thanksgiving and had 22 people to our house, all 20 that were invited were from out of town and we were so happy with the turnout. Unfortunately we had a somewhat comical series of events. My Mom came up the day before to help me with some last minute cleaning and prep for cooking and she stayed the night. The next morning we put up the Christmas decorations and started getting the food ready, my Dad and Step Mom came and started helping MO with the turkey. Right around then my Mom started feeling terribly sick. Thinking she was worn out from cleaning, cooking, decorating, I told her to go lay down as the rest of the guests wouldn't be there for an hour or so. She went to lay down and then I was told the turkey was too big for the deep fryer . This is an hr before we are supposed to be sitting down to dinner. So they keep messing with the turkey, then one of my aunts comes a little early to help out, she goes in the house then comes out and tells me I better go check on my Mom cause she is not doing good. I go check on her and she is in so much pain she can't even speak other then to say she needs to go to the hospital. I live in a teeny tiny (3000 residents) town and we only have one place to go with a one room ER. I get her out to the driveway just as 3 cars full of people are pulling up my driveway! I yell sorry we have to go and tell them to go inside and MO and Step Mom are now in charge of Thanksgiving. We go to the ER and after about 2 1/2hrs of tests and pain meds she is diagnosed with kidney stones. My Mom has had 3 children with no epidural and she said she would rather have another baby any day then go through that again! Luckily they were able to give her some excellent drugs so that she could be comfortable after that and we were able to go home and eat. Everyone else was done eating by the time we got back, I was happy they were able to get the turkey cooked and we were then able to enjoy some quality time with out family! It all ended up ok, but was an interesting hosting experience! My Mom had surgery today for the kidney stones so she can get back to normal.

My paychecks have been amazing with the OT and I am going to keep working 15hrs a week as long as I don't get burned out. MO has started coaching season for girls Bball so he is very busy as well. We had to pay $2500 worth of yearly insurance our 2 rental houses, so my OT is mostly going towards that right now so that we don't have to take so much out of savings to cover the bill.


I am so loving having a clean house and all the Christmas decorations up. I have about 30% of my presents done and I think will get another good chunk done this weekend.

Our weather has been nuts the past few days. In 3 days we got 20+ inches of snow and now that dang wind is blowing it everywhere! I haven't left the house in 6 days and plan to stay hunkered here at least till the weekend. So thankful we have a snowblower! MO has pulled more people out of the ditch then I can count and also had to pick up many of his employees to drive them to work. School was closed for 3 days, but is back in session today.

Hope everyone had a good holiday and is staying safe and warm!!

Expired/Broken Inventory

September 26th, 2016 at 09:23 pm

Well the rummage sale is over for now (details on that in a separate post to come soon). As I was putting things out I pulled out any expired or broken items and set them aside so that they weren't in the sale. Some of them I will keep as I don't care if they are expired for my personal use, and some of them I put up for free on FB, others I tossed. I also went back through my entries and updated so that I know those items were disposed of and that is why they weren't sold.

I usually try to stay away from items that expire, especially medicine for this very reason, so most of these were probably free or tax only as I don't like to get medicine in case it does expire before I can sell it.

The good news is the items I put on FB for free went quickly so at least people are getting use out of them!

Kept:
Acne Free Brand Terminator Cream
AcneFree Oil-Free Acne Cleanser - Expired
Advil Travel Packs (2) - Expired
Anti-Diarrheal - Expired
Colgate Travel Packs (12) - Expired
Crest Be Inspired Toothpaste (1) - Expired
Crest Be Inspired (3 Joint) - Expired
Revlon Lipgloss (looked dried up in package, but once I opened it and moved the wand around a bit it is perfectly good to use so I will keep this)
Robitussin Medi-Soothers (4) - Expired
Zarbes Naturals Seasonal Allergy Relief (6) - Expired


Free on FB:
Accu-Check Nano Diabetic Meter - Expired
Almay Shadow Stick - End is broke off and I don't use eye makeup
Comfort Patches (6) - Expired
CVS Diabetic Test Strips (3) - Expired
Hemorroid Gel (2) - Expired
Hemorroid Ointment - Expired
Nicotine Patches (2 boxes) - Expired
Zegerid OTC - Expired


Tossed:
Elf Lipglass - Dried up

I'm a farmer!

September 19th, 2016 at 02:42 am

I'm a farmer and I made some sweet cash from my crops!





I had mentioned in previous posts that I had a major excess of zucchini from my garden. After trying lots of new recipes, shredding/freezing some for baking this winter and unsuccessfully trying to give away to friends and family (could only get rid of a few this way). I had about 7-8 BIG zucchini left and already have about 8 bags in my freezer for personal use so I don't need more myself. I decided to process the rest rather then letting it spoil. So I washed, peeled, chopped, shredded with food processor, measured into 2 cup serving sizes, bagged into freezer bags and labeled.

I put it up for sale on FB for $2.00 per 2 cup bag......I SOLD OUT! 35 bags (70 cups!) SOLD! So that is $70!!! Hoping the nice weather we had over the weekend will produce some more as I have several more people that put in orders for at least another 20 bags, but if not was still a very nice and quick $70! Only took me about 1 1/2 hrs to process all the zucchini, so a really nice hourly wage!! Also it was about $10 per zucchini!

Just a summer check-in (Pic of puppies!)

July 20th, 2016 at 11:57 pm

Wow I can't believe how fast this summer is going! Living in the Midwest we wait so long for those summer months and then they always fly by so fast!

Things are good and busy. Pretty much the usual. I have been doing well on my 3 softball teams and that is super fun, but will be happy to have a few nights back when the season ends for sure!

We have been spending tons of time at the lake on the weekends, getting lots of outside time, swimming, using the and fishing. I even caught my first fish, a really nice walleye! Here is my view from the paddleboard this weekend, relaxing with my book and a beverage! Let me tell you I was acrobatic not to dunk my book or phone!


I have a garden this year for the first time in about 10 years. It is our first summer in our new house and I found out quickly the garden is too small! But our corn, 2 kinds of squash, and peas are coming in nicely. Carrots and watermelon don't seem to be doing too well. Next year I will be better prepared (I have no tools to plant this year and actually used a kitchen spoon to plant! All my gardening tools are still back in the shed at my old house.

Still no OT at my work. Going on 7 months now. I really hope that when the weather changes the OT comes back. Not only is the money extremely helpful, but we are currently working on items from 7/1/16.....20 days behind!

The next few weekends will be filled with several softball tournaments out of town. Hopefully we can keep our spending to a minimum for food, gas and lodging.

I started tracking every penny spent a few days ago. I haven't done that for a few years. I think it is already helping with reigning in spending.

Dietbets are going ok....I need to lose about 3 more lbs to win the next set. I think I have about 10 days to do that, so I need to make sure I continue to make smart choices. I started running outside as well as on the treadmill. Not far yet, but have to start somewhere!

Our new puppy is adjusting very well and the 2 dogs are best buddies already. Here is a pic of their first trip together to the lake. And a little snoozing pic. Smile



I have no idea why this keeps loading upside down....I tried it like 4 times and it just wants to be difficult....

We got a new puppy!

June 30th, 2016 at 09:21 pm

We got an adorable new puppy. She is an English Springer Spaniel the same as our current dog. We named her Suneigh (Sunny) to go with our other pup Reigny (Rainy).

She is too darn cute!





Time off and Apts.

May 23rd, 2016 at 08:40 pm

My birthday is in June and I previously had always taken off the whole week. It's nice to have the time to relax and also to get stuff done around the house, etc. But this year MO has to work so I don't want to burn up the whole week of PTO when he won't be around to enjoy it with. My BD is on a Tuesday, so I decided to take off the Monday-Wednesday and go back to work for Thurs-Fri.

For that Monday I am going back to my home town an hr away and I made a rt eye apt, yearly exam, and a haircut. My rt eye exam and yearly exam will be free under my insurance so good to get those out of the way, and I also have an allowance for glasses to use at that time too.

I am hoping I will also have time to go to lunch with a friend and take my nephew to do something fun. He is going to be turning 6 and his BD is the day after mine. Smile

Then on my BD I will go get my free lunch at a yummy local Mexican restaurant and have softball that evening.

Wednesday I can sleep in and relax before going back to work.

Excited for some time off!

"Extra" Roomate moved out....shoooooot!

May 22nd, 2016 at 11:04 pm

We have had a young man living in our basement for about 2 yrs now. When he moved in shortly after MO and I started dating, he was an employee and friend of MO's, since then he has gotten a new, higher paying job, but continued to live in our basement and pays a flat $400 a month. About a year ago the first guys cousin got placed up here by his job and moved up here, he was supposed to only be here a few weeks and it ended up being around a year (I can't remember exactly when he moved up). He was also paying $400 a month for rent. This was great extra money for us, and we always treated his rent as extra income and put it directly into savings or towards debt. Yesterday the cousin was laid off of his job so moved back to his home city till he gets his next assignment. Shoooooot!

That was super easy extra money and was a huge help in meeting our goals.....oh well. We are planning on making that extra room into a workout room as it is very large in the basement so it is cooler, and also has hard flooring so easier for working out. We will move the elliptical, total gym and weight bench in there soon.

Going to try to get back into FB sales to try to compensate for that missing income.

We bought the Jeep Liberty!

May 20th, 2016 at 07:47 pm

Well we have a new vehicle! We discussed it thoroughly and I think we made the best decision for our family. I really love it!



So we got this 2004 Jeep Liberty. Per Kelly Blue Book the value is $6460, the dealer had it priced at $5900, and we were able to get them to go down to $5200. We tried for $5000, but they couldn't go down that far, however they did through in a free car starter which is definitely a great bonus here in ND!

I really think we got a great deal. The biggest factor that pushed me towards the purchase was thinking about when one of our other vehicles does die, will I be willing to spend $15K-$20K for an SVU type vehicle? No I wouldn't. I just think that is way too much to spend, even if I can afford it and I already have the money saved up, I just can't spend that much on a vehicle for myself. So the fact that the type of vehicle I want is available for only $5200 is something I didn't want to pass up after I weighed the pros and cons.

We have a two stall garage, but each of the stalls is double depth, so we can fit 4 vehicles in there. So MO cleaned out the back corner and parked his Cavalier there, and cancelled the insurance on it. We won't be driving that car at all at this time. We then parked the new Liberty behind the Cavalier, and we will be driving that sparingly (trips, car pools, when we need 4WD etc.) We plan on mainly driving my Malibu to work for MO, softball, errands etc. Once that car dies then we will put the insurance back on the Cavalier and start using it again. (Yes we will make sure it still gets oil changes, tune-ups when needed). Cancelling the insurance on the Cavalier will save us $200 per year, which will cover about 1/2 of the insurance cost for the Liberty. We did discuss selling one of the cars, but the small amount we would get for them really wouldn't make sense. They are worth way more to us as drivable vehicles, then they would be to sell them for $1000 or less.

We will be taking the money out of savings to pay for the Liberty, so no new debt. We also discussed that we will not be going to the casino until we have our savings back to the $5K it was at before we purchased the new vehicle. We should be back to where we need to be by the mid/end of summer, and then full steam ahead on bulking up savings!

My husband has the new car bug!

May 17th, 2016 at 08:35 pm

My husband has gotten a wild hair about getting a new (to us) vehicle. I don't even know where this came from..... I really want to continue to focus on getting things paid off.

We currently have 2 cars and 1 truck. All 3 are 2002s, 14 year old. All 3 have well over 150K miles (my car has 191K, not sure exactly what the other 2 have, but I know it's over 150K). And honestly that doesn't bother me at all. They get me where they need to go. As long as I have heat/AC and hopefully cruise control I am fine. They all have minor (and a some major) cosmetic issues, but otherwise fine. I don't mind spending a few $100 a year for tune up issues, you spend those on newer cars as well. Also we have no kids, so we don't have to worry about space issues for day to day or trips etc.

The vehicle he wants us to get is a 2004 Jeep Liberty. It is $5900 and 99K miles. He thinks they will go down on the price. As far as the miles, yes it is a lot, but it is also almost 100K miles LESS then what I am driving now. It looks super nice, we are going to test drive it tomorrow. I almost hope I hate it. MO wants me to have a nicer vehicle with 4 wheel drive (we live in ND and an hr away from the closest city) and also thinks it would be nice to have something bigger as whenever we carpool with anyone we always have to ride with others instead of driving since we have small cars (Malibu and Cavalier). Since we live an hr away from anything we do carpool frequently. We would not be trading in any of our current vehicles as we need a truck, and both of the cars are worth far more to us then they would be as a trade in.

Like anyone else, of course I would love to have a nice, new to me vehicle. But I want to get rid of all this dang debt! I told him IF we do like it and are considering it....#1 He needs to show me where we are fitting 4 vehicles in our garage. #2 Explain to me why 2 people (one of whom works from home!) need 4 vehicles #3 We will not take out more debt, so we would be draining savings. #4 How much will insurance be on the new vehicle #5 NO CASINO

Seeing it typed out makes it pretty darn clear to me that this doesn't make any sense. I will have to work on him. I feel bad saying no as he works so hard and doesn't ask for much, and our vehicles are soooooo old, but I really just think this is an unnecessary want right now.

I ran this by my WIR friends and they had a good suggestion to get him past this want of rather then getting this "moderate" upgrade now, save up and when one of the cars does die, get something we REALLY want and we can have for a long time. I like that idea. I guess we will see how the test drive goes, but definitely leaning towards waiting as long as possible.

Home from vacation!

April 16th, 2016 at 12:18 am

We are back from Laughlin/Vegas! We had a great trip, the weather was wonderful the entire time (high 70's/low 80's), we had some delicious food, lots of time together and lots of fun gambling, relaxing and exploring!

We were able to use comps, coupons, and gift cards for most of our expenses so we spent less then $50 for food the whole 5 days we were gone.

We didn't win gambling, but our goal was to bring home 50% of what we brought and we were able to bring home $1000 more then our goal, so that was great!

I am glad to be home on a Friday so that we have this weekend home to recoup before having to go back to work, and I got the whole house clean before we left, so we just need to unpack the suitcases and do laundry and catch up on sleep! I am also hoping to get our garage cleaned out so it is functional and ready for a rummage sale.

Working on a debt update and $20K Savings update this evening!

Extra Income - Property Managers

February 29th, 2016 at 09:35 pm

My parents own several rental properties and one of them is a 4 unit that is in the neighboring town to me (About a 15 min drive for me, about 90 mins for my parents). They have had some really terrible luck with their renters lately and have finally gotten the scummy (drug charges, child neglect, etc.) property managers evicted, as well as another unit evicted. Since MO and I are now a lot closer then my parents, we are going to take over as the property managers and take care of renting the units, collecting rent, lawn maintenance and general repairs. They are going to pay us $250 a month for collection the rent and getting it rented, and then an hourly rate for any additional services (painting, repairs, etc.). This should work out good for us to get some extra cash and for my parents to have someone they can trust making sure everything is running smoothly up here.

Right now the 2 units that are open are trashed. Carpets are all garbage, many holes in the walls that need to be repaired, all walls need to be painted. Also the shed and garages are full of junk and the yard is a mess. My parents, myself, MO, and both of my brothers have been working to get the units ready for renters. MO and I will not be taking over as property managers until everything is settled and in place for renters. So once all this work is completed, most months we should only have to collect rent (and mow in the summer). So far we have painted all of one of the units and taken out the old carpets. MO and I spent 3 hrs on Saturday cleaning out the large shed of garbage, tons of broken glass, a mountain of mouse droppings and 1 mouse skeleton (GROSSSSS!). I know once we have everything in shape, MO and I can keep it looking good and things should roll smoothly.

We did make $160 in Feb for helping so once we get paid for that we can add that to savings, and I am sure we will get some good hrs in for March too.

Update on Food Wasting Challenge

February 8th, 2016 at 04:13 pm

I cleaned out the fridge to make room for Super Bowl goodies and I had to finally let some things go that I no longer considered edible.

Here is what I have tossed so far in 2016:

26oz of expired skim milk
1/2 qt heavy cream
Small box of breakfast sausages (I believe 6ct)
2 teeny tiny peppers
1/4 Family Size Container Chobani Yogurt

Still pretty happy with how this is going as I am paying a lot more attention to what we are using or having to toss. I am going to suggest to MO to get smaller size milk from now on. The heavy cream was kind of a fluke as we do not normally keep that on hand and it was bought for a recipe. I tried to find something else to put it in, but didn't find anything I especially wanted to make before it turned non-liquidy...ewwww.

Making sure to stay on top of the dairy and produce.

We won $2K at the casino!

February 1st, 2016 at 04:08 pm



MO and I went to the casino this weekend to celebrate finally having full renters in my old house. We weren't doing too well so decided to just call it a night early. On the way to the room MO saw one more game he wanted to play so we stopped and it let us play for a long time which was nice. It was 10 hand deuces wild, and we got dealt a Natural Royal Flush, betting .25 a hand, which pays $200 a hand! So 10 hands x $200 per hand = $2000! We were so excited!! After that we played a bit more and ended up coming home up $1770! We will put the money in savings for a very short time then use it to pay my property tax bill at my old house (rental #2). Cheers!

YES! My whole house is rented!

January 29th, 2016 at 07:28 pm

Up until now, just the basement of my old house was rented. Since I still had a lot of belongings there I still paid the heat/electricity, water and internet. One of MO's friends was renting the basement for a flat fee of $600 and that was working very well as I trust him so was ok with my belongings still being there. Plus we were able to get some much needed repairs done while still having some rent coming in. Now that I am finally out of there I let him know that if he stays rent will increase to $1200 as of March 1, or if he moves out, I will raise rent to $1500. I am ok with losing the $300 a month to have someone I trust in my property so was really hoping he would stay. Got great news yesterday, MO's brother is going to be moving in to the other half of the house, he is friends with the current renter and will be paying the other $600 a month!

This is awesome! So that will be an extra $600 a month in rent, plus they will now be resp for heat/electricity (est $100 per month) plus internet ($55 per month). So that is an extra $755 per month in my pocket!

AND I still get the benefit of having people I trust in there! Smile


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