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Archive for December, 2010

After Christmas Deal

December 28th, 2010 at 10:16 pm

I mentioned that our Christmas tree fell over and the stand broke. So had to get new tree. Figured it was best to look now at the after Christmas sales rather then wait till next Christmas season. Found a $465 tree (WHAT! Who would pay that much for a tree??) at JCP on sale 75% off, plus I had a $10 off coupon. So got it for $110. Saved $355!! WOW! I think the tree was way to expensive to start with, but am happy with the deal I got. Hopefully I will never have to buy another tree for the rest of my life.

$20K Update

December 28th, 2010 at 09:57 pm

Current Balance $11,625.00
-$28.00 to Roth IRA
+$13.00 Even Out Amount
New Balance $11,610.00

Merry Christmas!

December 25th, 2010 at 12:30 pm

Hope everyone is having a safe and happy Christmas! I am staying home today and just relaxing. We do our Christmas on Christmas Eve so just enjoying a nice slow day today. My Mom is going to come do a puzzle with me and watch movies. I got 4 new Wii games, so am excited to try those out. Michael Jackson The Experience, Wii Zumba, the Biggest Loser and Mario Kart. So lots of fun workout games. I am already really good at MJ! THRILLER! LOL! Should be a nice cheap weekend. A good time to work on 2011 goals and to think back on the successes of the last year and what we can work on more in the next year!

DH's Christmas Prize from GG

December 20th, 2010 at 06:32 pm

I posted yesterday that DH had gotten a check for $250 from his great grandma for Christmas. He decided how to break it up:

$50.00 for him to spend
$50.00 for me to spend
$50.00 for the lawn mower fund
$100.00 to save for our Deadwood trip in March

I haven't decided what to do with my $50 yet.

So here is the update:
Current Balance $11,500.00
+$50.00 to lawn mower fund
+$75.00 to retirement hold account from paycheck
New Balance $11,625.00

ING $8165
HSBC $3225
Lawn Mower Fund $235
= $11,625.00

Christmas Money

December 19th, 2010 at 05:09 pm

DH got a check for $250 in the mail today from his great grandma. Smile We haven't decided what to do with it yet. Hmmm.....

$10 coupon for JCP

December 19th, 2010 at 05:06 pm

I had a spend $10 get $10 off coupon for JCP in the mail. I really didn't need anything, so looked around for a good deal to use my free $10 on.

3 prs of gloves
Regularily $15.00
On sale on for $3.99

Long sleeve thermal (it's so cute!)
Regularily $20.00
On sale for $9.99

-$10 coupon

Total OOP = $4.22
Total Saved = $31.02

I really don't need the gloves so I am not sure if I will sell them or keep them yet. But the thermal I really like.
We also had a spend $75 save $15 coupon which DH used when he was buying Christmas presents for his Dad and grandma.

$20K Update - Casino Win!

December 19th, 2010 at 08:40 am

We went to the casino last night and after about 7 hours of gambling came out about $240.00 ahead! YEAH! I usually only pay penny machines so was really excited. I was betting .60 cents and won $60, and then a few minutes later was betting .30 cents and won $70! The rest of the time was $5 - $10 wins added up. So gave the $40 to DH and put the $200 into savings, along with $15 extra to even things out.

Current Balance $11,285.00
+$150.00 to EF from casino win
+$50.00 to New Car account from casino win
+$15.00 Even out amount to EF
New Balance $11,500.00

Smile Smile Smile Smile Smile

$20K Update

December 15th, 2010 at 03:12 pm

Current Balance $11,235.00
+$25.00 to New Car Fund
+$25.00 to Home Maintenance Account
New Balance $11,285.00

$20K Update

December 13th, 2010 at 05:05 pm

Current Balance $11,135.00
+$100.00 Anniversary Cruise Deposit
New Balance $11,235.00

New Washer and Dryer

December 12th, 2010 at 06:05 pm

We went back to Lowes today and purchased the washer and dryer. We had shopped around at Sears, Lowes and Menards and found the best deal at Lowes. We got a Whirlpool frontload set. Regularily $599 each on sale for $449 each ($300 savings), plus a 5 year warranty $180, free delivery and take away of the old set. I signed up for a Lowes Card and got 6 months no interest. I was approved for $6000 on the Lowes card. So time to go crazy at Lowes! Ha ha just kidding. Anyways so they are delivering it next week. When I got home I transferred the total from our Home Improvement Account and part from the EF into a seperate account for the Washer and Dryer. So now it can sit and make me interest for 6 months until we pay the Lowes bill. It wasn't the cheapest set available, but we are hoping to have a nice set that we can use for a long time. Since the dryer still works we will try to sell that at our next rummage sale.

Repair, Replace and Fix.......now repeat!

December 12th, 2010 at 02:11 pm

Ok.....so I realize that as a homeowner you have a lot of things to keep up on, fix, repair and replace. But really, does something have to break EVERY day??!! In the past 2-3 months we have had:

-Lock on patio door broke, so we have to lock it by putting a board in the slats so no one can break in until we are ready to buy a new one ($$$)
-Car radio/clock died
-Car battery died
-Hot tub went from 104 degrees down to 76 degrees, by the time repair guy gets here it is down to 50 degrees, we then find out we have a "friend" who is chewing threw the wires and so had to get all of the wires replaced and buy "friend" traps
-Bathroom cupboard FELL off of the wall. Completely fell off the wall onto the floor and hit the opposite wall, so now there is also a hole in the wall where it landed. Thank goodness I was not home, that would have scared the daylights out of me. And if I was in the bathroom I probabaly would have died. (literally died as if I was on the pot it would have crushed me!)
-Found out at least 3 outlets in our house do not work, one is the only outlet in the bathroom (UGH!) one is in the backyard and one is in the gararge.
-Washer started smoking yesterday right as we were leaving to go to a Christmas get together. The washer is VERY old, it was the washer that was left in the house by the previous owners, so it was free to us and I am grateful that it lasted 3 years...it is avocado green and is ready to retire.

So there is my big whine for the day! Smile

DH and I shopped around for washer and dryer sets today and will probably get one within the next week or so.

We also found a good deal on a TV, got a 32' for $250 (after a $100 mail in rebate). We are going to put that TV in the basement so I have an area to do my Wii Fit. Smile

$20K Challenge - Over $11K!

December 8th, 2010 at 05:01 pm

Current Balance $10,850.00
+$200.00 to EF from Bonus Check
+$75.00 to Retirement hold account
+$10.00 to New Car Account
New Balance $11,135.00

Got my 3rd quarter bonus. It was about $860, about $500 after taxes and my 401K were taken out. Put $200 to savings and the rest to checking to help with Christmas and all of the fuel costs from going out of state 4 weekends in a row.
Very excited to be over $11K!

$20K Update

December 5th, 2010 at 06:32 pm

Current Balance $10,775.00
-$112.00 to Roth IRA
+$2.00 Even out Amount
+$185.00 Lawn Mower Fund (cash)
New Balance $10,850.00

November Savings Update

December 5th, 2010 at 03:07 pm

As of November 1, 2010:

Regular Savings:
Emergency Fund $1310
Anniversary Cruise $3125
Home Maintanence $505
New Lawn Mower (cash) $185
Cushion $1220
Car $605
HSA $2365
MOH $500 - Complete
Laptop $600 - Complete
King Mattress $750 - Complete
Vacation - $2510 - Complete
Total Regular Savings = $13,675.00

Retirement Savings:
Retirement Hold Account $745
Roth IRA $2800
Rollover IRA $1250
401K $11,700
403B $10,000
Total Retirement Savings = $26,495

Total Savings = $40,170

December 2010 Mortgage

December 2nd, 2010 at 07:18 pm

Mortgage for December

Balance $138,000.00
+$431.25 Interest
+$307.59 Escrow
-$1311.16 Regular Payment
-$627.68 Principle Payment
New Balance $136,800.00

So happy to be done with the refinance and going one way.......D O W N !!!!

Tis the season for gift cards!

December 1st, 2010 at 05:30 pm

Christmas Season is a great time to get discounted gift cards. We bought a $50 GC from Applebees and got a $10 GC for FREE! We got the same deal at TGIFridays. We will keep the giftcards and use them in the next coming months. I am sure there are a lot of other places running this kind of deal, and if it is somewhere that you use regularily it is a great bargain.

$20K Update

December 1st, 2010 at 05:23 pm

Current Balance $10,735.00
+$6.35 ING Interest
+$33.65 Even Out Amount
New Balance $10,775.00