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Archive for October, 2010


October 30th, 2010 at 08:49 pm

My blog hit 50,000 hits today! Wow! Thanks everyone for reading. My hope is to share money saving tips and ideas, or at the very least be entertaining on a topic that can be boring (unless you're a dork like me!) THANKS AGAIN FOR READING! Smile

$20K Update

October 29th, 2010 at 10:24 pm

Current Balance $10,170.00
-$28.00 to Roth IRA
+$78.00 to Retirement Hold Account
+25.00 to Home Maintenance Account
+$155.00 to EF for Payday
New Balance $10,400.00

Trying to get far, far away from $10K so we don't ever have to go under it again. We have to pay for our 0% loan for our King Mattress soon. It is due in February 2011, so I will mail in the payment in January to make sure it gets all taken care of before the interest charges. That payment is $750, so need to get above $10,750.00 for sure!

Biggest Loser Week 4 Weigh In

October 29th, 2010 at 01:37 am

Week Four
Pounds Lost this week = +.4
Total pounds lost = 5.6
% weight loss = 3.06%
Place = 1st out of 7 people

I went up a tiny bit. I am disappointed because I worked my butt off this week at the gym. I mean.....CRAZY working out. Accidentally sweated on a lot of people at the gym.....sick but Hopefully the work will show up next week. I am still in first place, but only by a little bit. Gonna stay away from the Halloween candy and run, run, run again. Hopefully my coworkers will be sneaking candy from their kids. Smile

Halloween Costumes on the cheap

October 29th, 2010 at 01:32 am

My husband and I are going to be Season 1-2 Jim and Pam from "The Office" for Halloween. I just bought a shirt for $1.25 and a skirt for $1.25 from Goodwill. They are very "Pammy". I already had a cardigan that I can wear with it, and Pam's Keds. Then I will style my long brown hair like Pams. For DH we can just wear a white dress shirt, black tie and slacks. He purposely let his hair get too long so he is all shaggy like Jim, and since he is blonde we got some wash out brown hair color to put in his hair. I have been telling him to practice his Jim faces. Total cost was $2.50 for my clothes (which I can wear again since they are just dress clothes) and $6.20 for DH for the hair dye. YEAH for cheap Halloween!
On the not so cheap side......Halloween Candy....UGH! We live on a very busy street for trick or treaters. Last year I did a tally sheet and we had over 300 kids! Awww! So this year we bought suckers as they seemed to be the cheapest candy, and I will be giving only one per kid. I hate to be cheap for candy, but with that many kids we have to. It still cost almost $30 for that candy. We will have to watch for sales after Halloween and maybe get some candy to freeze for next year.

Surprise Awesomeness!

October 27th, 2010 at 11:09 pm

Aside from the fact that it has been blizzarding here all night and day and I had to have a nice stranger push my car into my work parking lot.......aside from the that I had a fabulous day! I was nominated for and won an award at work! They go around and let the people who were nominated know that they were nominated, then like 10 min later they announce the winner over the you don't really have time to digest that you were nominated before you find out who won. So I was super surprised and excited! It is a very prestigious award at my employer. I won $300 and get the "good" parking spots for all of Nov, Dec and Jan! The Parking spot is probably worth more then the $300 considering the horrible weather we are having. Since I won the Level 1 award, I am now in the running for the Level 2 award, which is a national competition. If I win Level 2, I win $1000 and get flown with a guest to the Level 2 celebration (last year was in Orlando!). And if I win Level 3 (which would be like the craziest thing ever!) I win $5000 and me and a guest get flown on a vacation (I think of my choice, but not positive on it). So I am very happy and proud to have been nominated and won. I worked very, very hard on the project that I was nominated for.
So now the big question is.......What to do with my $300?! They gave it to me today in the form of American Express Gift Checks, so i can use it anywhere, or I can cash them and use the cash. I am NOT going to put it in savings, I am NOT going to take it to the casino, and I am NOT going to put it against the mortgage. I am going to get myself something FUN! Not sure what yet, and am open to suggestions! I'm thinking maybe I should wait till after Christmas to see what I still want after then...... Happy Hump Day!

Discover Rewards

October 25th, 2010 at 12:54 am

We use our Discover Card for everything....and I mean EVERYTHING. All daily purchases like fuel, groceries, gifts, going out to eat, vacations and household supplies. As well as monthly bills like our cell phone bill, water bill, utilities bill and gym membership. The only thing we don't put on the Discover is the electricity and the mortgage since they don't accept credit cards. We always pay the balance in full every month, have been doing so since I got a credit card when I was 18, 8 years ago.
So every other month or so we get $50 is Discover Rewards for Free. You can use them for cash, a credit to your bill, or you can get Partner Rewards. Partner Rewards are when you use your balance to get a gift card with a bonus amount. Example would be: You use $45 of your balance and they send you a $50 gift card to Applebees. So the $45 is free cause it is your Discover Reward, and $5 bonus for choosing the gift card option.
Normally I always get the cash automatically deposited into our savings account. But next month we are going to a wedding out of state and will be staying at a Best Western hotel. So I checked the list and Best Western is one of their vendor partners. So I used $45 in rewards and got a $50 gift card for the Best Western which will cover almost our whole hotel bill. Smile Yeah!
I love Discover, they are so convenient, great website and I enjoy their rewards!

Christmas Shopping 2010

October 23rd, 2010 at 04:12 am

Wow it is that time again! This year has flown by!
Time to plan out the gifts....

Husband - I know what I am getting him, but it is a big surprise and don't want to post it just in case he happens to read my blog.....unlikely, but just in case! Smile
Mom - She said she wants a $250 photo scanner thingy....we usually spend about $20 - $30 a person, so I am thinking maybe I will give her a gift card to put towards that?
Dad - Don't usual
Brother #1 - Two games for his Wii, $30
Brother #2 - Hmmmm......
Sister-in-Law - Twightlight movie, $17
Uncle - Something Steelers
Cousin - I should be able to just walk around Target and find something she would like
MIL, FIL, SIL #2 and DH's Grandma - DH is in charge of, but probably $20-$30 a piece.

I am not buying for friends this year, last year it was hard to get together and it didn't seem very important in the end. But I do have one new person to buy for which is my Godson! He should be easy of course since he will only be 6 months then and anything he can drool on should work. Smile

Biggest Loser Week 3 Weigh In

October 21st, 2010 at 10:03 pm

Week Three
Pounds Lost this week = 2
Total pounds lost = 6
% weight loss = 3.27%
Place = 1st out of 7 people

Whoo hooo - Keep on going down. DH is out of town this week, which is good cause then he is not here to cook naughty things for me to eat, but bad cause then no one is here and I can pig out. LOL Trying to be good by myself. Going to a movie and chinese tonight with a friend, but other then that should be a good eater and gym goer!

$20K Update

October 17th, 2010 at 11:41 pm

Current Balance $10,155.00
+$15.00 HSBC Interest
New Balance $10,170.00

I underestimated the interest in my HSBC account so adding that in now. Up up and away!

MOH Budget Update

October 16th, 2010 at 06:50 pm

My budget for Matron of Honor is $500.00
Bridesmaid Dress = $216.00
Shoes = FREE
Jewelry = FREE
Transportation = None
Lodging/Hotel = None

The Brides Mom told her today that she would be paying for our shoes and the jewelry so that is good. Smile The wedding is in town so no hotel or transportation costs. Still need to pay for gifts, parties and hair.

Escrow Refund

October 16th, 2010 at 05:15 pm

So I thought we we going to get a check from our old Escrow account for about $1300, but instead I got a check for $17.00 Frown So I called them yesterday and they said the $1300 was used in the payoff of our loan, and she will send me the breakdown of the payoff. So that was a bummer cause I had assumed we would be getting those funds back. Oh well, nothing lost I guess. We also still have not received the amortization schedule that we had requested from our new mortgage lender, so called them and requested it again.

Biggest Loser Week 2 Weigh In

October 16th, 2010 at 04:50 pm

Week Two
Pounds Lost this week = +1.6
Total pounds lost = 4
% weight loss = 2.18%
Place = 1st out of 7 people

Darn I went up a little. Still down 4lbs though and still no pop for 16 days......I want a pop REALLY bad today though! UGH....

$20K Update - BAMM!

October 14th, 2010 at 10:50 pm

Current Balance $7,760.00
+$1.09 CD Interest
+$75.00 to Retirement Hold Account
+$100.00 to Anniversary Cruise Account
+$1987.20 Refund from New Mortgage
+17.49 Refund from Old Mortgage
+$214.22 Even Out Amount
New Balance $10,155.00

YEAH over $10K!!! So halfway to $20K and we are just gonna keep going up! I got the check for the $17.49 from my old mortgage company today......from what I can tell I should be getting a check for $1381.51...??? So I am hoping I am not all confused, cause I really thought we were supposed to get that refunded from our Escrow Account. I will call the bank tomorrow and find out what is going on with that.

Upping 401K Contribution to max match.....again

October 8th, 2010 at 02:26 am

At the beginning of 2010 my employer lowered the 401K match from matching 50% up to 6%, down to matching 50% up to 3%. So back when they had changed that I lowered my 401K contribution from 6% down to 3% and moved the difference over to my ROTH IRA. Well they just sent out an email that effective 10/15/10 we will be getting the match moved back up to 6% again. Smile Yeah for FREE money! So today I went in and moved by contribution back up to 6% for the 401K, and lowered my autodeposit with ING from $100 per paycheck to $75 per paycheck. Right now I am contributing 13% to retirement, plus the 3% from my employer = 16%. I am happy with that at 26 and will keep moving it up tiny percentage point by tiny percentage point!

$20K Challenge

October 7th, 2010 at 12:41 am

Current Balance $7,835.00
-$112.00 Transfer to Roth IRA
+$25.00 To New Car Account
+$12.00 to Retirement hold account
New Balance $7,760.00

Papers are signed!

October 6th, 2010 at 01:07 am

We finally signed the papers today so we are officially at 3.75% for 15 years! The mortgage provider also gave us a $25 giftcard to a local resteraunt for refinancing with them. Smile After we signed the papers they gave us our copies.......but they didn't give us an amortization I asked if we could have one and the mortgage guy was all surprised....he was like "Oh you want that?" UMMMM YES! Guess I am a big weirdo for wanting to know where we are at on our payoff. Smile So he is going to mail me an amortization schedule because they didn't even have one there. PUMPED! Smile

Biggest Loser Week 1 Weigh In

October 6th, 2010 at 01:02 am

Week One
Pounds Lost this week = 5.6!
Total pounds lost = 5.6
% weight loss = 3.05%
Place = 1st out of 7 people

YEAH! I am so excited about the first week! It went awesome and I am well ahead of everyone else already. My goal for next weeks weigh in is 2.8lbs which would get me below the next 5lb marker.

October Savings Updates

October 3rd, 2010 at 08:01 pm

The last time I did a savings update was in June...oops....need to be on top of this more!

As of October 1, 2010:

Regular Savings:
Emergency Fund $1005
Anniversary Cruise $2905
Home Maintanence $400
Cushion $1140
Vacation 2010 $350
Car $505
HSA $2150
MOH $500 - Complete
Laptop $600 - Complete
King Mattress $750 - Complete
Total Regular Savings = $10,305.00

Retirement Savings:
Roth IRA $2440
Rollover IRA $1250
401K $10800
403B $9200
Total Retirement Savings = $23,690.00

Total Savings = $33,995

$20K Update

October 3rd, 2010 at 07:49 pm

Wow how do I always get so behind on my $20K updates??

Current Balance $7,255.00
+$500.00 from October's mortgage payment
+$80.00 Interest and even out amounts for savings
New Balance $7,835.00

My Dumb, Dumb, Dumb Mistake is finally fixed

October 3rd, 2010 at 07:45 pm

You may remember a few months ago I was dumb and left my windows on my car open. Well it rained into my car and my radio/clock died. I finally got a new radio, $110 at Walmart, and my brother and his friend put it in for me, all I had to do was buy pizza for supper. Smile Having no clock and no radio in your car for 2 months is torture and I am soooo happy to have it back!

Side job for DH

October 3rd, 2010 at 07:43 pm

DH got an extra duty at work, he will now be doing detention everyday for 45 mins after school. He gets paid seperatley for this and it is hourly based. So we decided to give DH half of the pay for fun money (he tells me he never has enough fun money ) and the other half we are going to set aside for seperate home projects/upgrades, our first goal is a new lawn mower as ours is on the still works, but is definitely heading for a new life......
Oh and I also quit drinking pop and getting fast food breakfast last week, so I am going to take $20 a paycheck and save that for something fun for new clothes, or new bike, or new rollerblades.....hmmmmm