July 2012 Mortgage Payment

Balance $126,550.00
+$290.01 Interest
+$319.07 Escrow
-$1537.95 Regular Payment
-$321.13 Principle Payment($30 change)
New Balance $125,300.00

Current Balance $21,850.00
-$112.00 to ING ROTH
+$2.00 Even Out Amount
+$845.00 Money we brought back from cruise
New Balance $22,585.00

Bingo Money (cash) $1620.00
ING $19,620.00 ($4000.00 Bingo Money)
Mortgage Payoff $130.00
Home Improvements(cash)$345.00
HSBC $870.00
Total = $22,585.00

Bingo Money
Tips total - $2006.61
Wage total - $3617.32
Total Bingo Money - $5623.93

We are back from our cruise and had a great time! I will try to get a few pics up and get back into the grind soon!

Went for a walk with DH yesterday and found a storage shelf on the curb for giveaway! I have been wanting one of these for some time to store some of our food and drink surplus.
So I moved all of the rummage sale pop and juice in there. Moved all our Powerades (bought on super sale for .68 each!) cause they were stuck in every cupboard in the kitchen. Also had a surplus of mandarin oranges and Ragu Marinara Sauce that I moved in there. On the top I have the extra dish soap. Now I have more room in our regular cupboards to keep everything nice and organized and not too crowded. Also still have tons of room on the my new shelves for stocking up on super deals!

Palmolive Dishsoap 10oz
Regular Price $1.99
-$1.00 Sale Price
-.50 Mfr Coupon
Final Price .49!!

Special K and Nutrigrain Products
Buy 3 at sale price of $2.49, get free box of Rice Krispy Bars
Regular Price $13.17($4.39 each)
-$5.70 Sale Price($1.90 each)
Final Price $7.47 ($2.49 each)
Plus $3.59 Rice Krispy Bars - FREE!!
Took the Special K and Nutrigrain bars to work and marked the Rice Krispy Bars .50 each for the rummage sale.
*ETA - Sold 1 Rice Krispy for .50 at 8/24/12 rummage sale...my little nephew ate one too..lol
*ETA - Sold 6 for .50 each at 9/7/12 rummage sale = $3.50 profit for the box

Applebees giftcards $25.00
Bought 2 to get a $5.00 EB
DH and I both play softball in the summer and our teams go to Applebees a lot after the games, so this was a good deal for us to get a $5.00 EB!

There were a few other things that looked like good sales, so I might go back again later this week.

Kotex Natural Balance Pantiliners 16ct .99
-$1.00 Target coupon I got in a coupon book in the mail
Final Price = Free!
Marked this for $1.00 for the rummage sale.
*ETA - Sold for $1.00 at 9/7/12 rummage sale = $1.00 profit

Current Balance $23,765.00
+$85.00 to retirement hold account
-$2000.00 Cruise Spending Money
New Balance $21,850.00

Bingo Money (cash) $1620.00
ING $19,730.00 ($4000.00 Bingo Money)
Mortgage Payoff $130.00
Home Improvements(cash)$345.00
HSBC $25.00
Total = $21,850.00

Bingo Money
Tips total - $2006.61
Wage total - $3617.32
Total Bingo Money - $5623.93

Crest ProHealth Mouthwash 1 Liter
Regular Price $7.39
-$1.40 Sale Price
-$.25 Mfr Coupon
Price $5.74
Received $5.00 EB
Final Price = .74!!(Marked $3.00 for the rummage sale)
*ETA - Sold for $3.00 at 8/24/12 rummage sale

Crest ProHealth Mouthwash 1 Liter
Regular Price $7.39
-$1.40 Sale Price
Price $5.99
Received $5.00 EB
Final Price = .99!!(Marked $3.00 for the rummage sale)
*ETA - Sold for $1.50 at 8/24/12 rummage sale

Speedstick Deoderant
Regular Price $3.19
-$.20 Sale Price
Price $2.99
Received $2.00 EB
Final Price = .99!!

Crest Whitening Toothpaste 6.4oz
Regular Price $3.29
-$1.30 Sale Price
-$1.00 Mfr Coupon
Final price = .99 (Marked $1.50 for rummage sale)
*ETA - Sold for $1.50 at 9/7/12 rummage sale = .51 profit

Oral B Complete Scope Scented Toothbrush with free sample size Crest Toothpaste attached
Regular Price $3.79
-$1.02 Sale Price
-$1.00 Mfr Coupon
Price $1.77
Received $2.00 EB
Final Price +.23 Money Maker!! (Marked $1.50 for rummage sale)
*ETA - Sold for $1.50 at 8/24/12 rummage sale

Oral B Complete "Action" Electric Toothbrush
Regular Price $9.89
-$3.90 Sale Price
Price $5.99
Received $5.00 EB
Final Price = .99!! (Marked $5.00 for rummage sale)
*ETA - Sold for $5.00 at 8/24/12 rummage sale

Tampax Radiant 16ct
Regular Price $5.49
-$1.50 Sale Price
-$1.00 Mfr Coupon
Price $2.99
Received $1.00 EB
Final Price = $1.99!

---I also got several coupons in this box including a $2.00 off Tampaz Radiant which I will use on this same deal later this week on DHs card and get the box for .99!!

I decided not to keep the menards rebates in my savings total anymore since I will want to use those as they come in. Also the ING balance was off by $90 somehow, so I made the correction to that.

Current Balance $23,700.00
-$25.00 Menards Rebate
+$90.00 Correct ING Balance
New Balance $23,765.00

Bingo Money (cash) $1620.00
ING $19,645.00 ($4000.00 Bingo Money)
Mortgage Payoff $130.00
Home Improvements(cash)$345.00
HSBC $2,025.00
Total = $23,765.00

Bingo Money
Tips total - $2006.61
Wage total - $3617.32
Total Bingo Money - $5623.93

Vaseline Hand Lotion - Limit of 5
Regular Price $5.00
Rebate $5.00
Final Price - FREE
(Marked for $2.00 each for the rummage sale)
*ETA - Sold 1 for $2.00 each at 9/7/12 rummage sale
*ETA - Sold 2 for $2.00 each at 8/23/13 rummage sale
*ETA - Sold 2 for $2.00 each at 9/5/13 rummage sale
=$10.00 profit on the lotions!!

3pk Microfiber Cleaning Towel - Limit 4
Regular Price $2.49
Rebate $2.49
Final Price - FREE
*Marked for $2.00 each for the rummage sale
*ETA - Sold 4 for $2.00 each at 8/24/12 rummage sale
=$8.00 profit on the towels!!

Mini Storage Bins - Limit 10
Regular Price $.50
Rebate $.50
Final Price - FREE
*ETA - Sold as a pack of 10 for $4.00 at our 6/23/12 rummage sale
=$4.00 profit on the bins!!

9' Magnetic Torpedo Level - Limit 2
Regular Price $2.89
Rebate $2.89
Final Price - FREE
*Marked for $2.00 for the rummage sale
*ETA - Sold for $2.00 each at 9/7/12 rummage sale
=$4.00 profit on the levels!!

Menards T-shirts and Hats - Limit 4
Regular Price $6.99
Rebate $6.99
Final Price - FREE
*Got 3 shirts and 1 hat and will keep these

Roll-A-Bag Deluxe - No limit (I bought 4)
Sale Price $3.49
Rebate $3.00
Final Price .49
*Marked for $3.00 for the rummage sale
*ETA - Sold 4 for $3.00 each at 9/7/12 rummage sale
=$10.04 profit on the Roll-A-Bags

*ETA - I have now sold everything on this page, and made a profit of $36.04!!

June 2012 Mortgage Payment

Balance $127,750.00
+$292.76 Interest
+$319.07 Escrow
-$1537.95 Regular Payment
-$273.88 Principle Payment($150 change, $15 recycling)
New Balance $126,550.00

We didn't have to pay the mortgage in April or May due to the refinance. April's $1500 I put in savings for a new car. May's $1500 I have saved for a trip we are taking at the end of June, and anything we bring back from that $1500 will go into the EF.

I am thinking for the summer we will just be paying an extra $100 to principle, plus any change we have. Money is just too tight in the summer to put too much extra to the house. Glad to be going back down again!

We had our rummage sale last weekend...but unfortunatley it rained most of the weekend. We made $130 on misc stuff. Didn't do any snacks since it was raining. But got rid of some of our stuff and some of the items I bought to make a profit.

$5.15 Misc Science supplies from DHs classroom
$17.00 Clothes a coworker didn't want to store/mark
$8.50 Clothes my step-mom didn't want to store/mark
$7.50 Clothes my Mom's friend didn't want to store/mark

Free items from CVS
Excedrin (5) sold for $1.00 each = $5.00 profit
Flossers (2) sold for $1.00 each = $2.00 profit
Irish Spring Deoderant $1.50 = $1.50 profit
Sample Size Scope .50 = .50 profit

Discounted Items from CVS
Suave Bodywash (3) - I paid .80 each
Sold for $1.50 each = $2.10 profit

Glade Sense and Spray - I paid .67
Sold for $4.00 = $3.33 profit

Gillette Shave Gel (2) - I paid .37 each
Sold for $1.00 each = $1.26 profit

Gillette Shave Gel - I made +.63 by purchasing this
Sold for $1.00 = $1.63 profit

Old Spice Body Wash - I paid $1.25
Sold for $2.50 = $1.25 profit

Discounted Items from Target
File Folders (6) - I paid .30 each
Sold for $1.00 each = $4.20 profit

Marker Boards (4) - I paid .30 each
Sold for $1.00 each = $2.10 profit

Dictionary - I paid .30
Sold for $1.00 = .70 profit

Flash cards (2) - I paid .30
Sold for $1.00 = $1.40 profit

Free Items from Menards
Citronella Candle $3.00 = $3.00 profit
Vaseline Lotion $2.00 = $2.00 profit

Disounted Items from Menards

Strap Wrench (2) - I paid .99
Sold for $5.00 each = $8.02 profit

Utility Knife - I paid .99
Sold for $4.00 = $3.01 profit

Pry Bar - I paid .49
Sold for $3.00 = $2.51

The discounted and free items I have been picking up are paying off!

DH took me out to some rummage sales this morning. I think we did awesome....here is our haul! All of this for only $15.05!



Found some things to resell for a profit:
3 John Grisham Books for .50 each
(Marked $1.00 each for our sale)
*ETA - Sold 3 for $1.00 each at 9/7/12 rummage sale = $1.50 profit

2 Childrens Books for .10 each
(Marked .75 and .50 for our sale)
*ETA - Sold both for .75 and .50 at 9/7/12 rummage sale = $1.05 profit

5 Childrens Books for .05 each
(Marked .25 to .50 each for our sale)
*ETA - Sold 1 for .25 at 9/7/12 rummage sale = .20 profit
*ETA - Sold 2 for .25 each at 9/5/13 rummage sale = .40 profit

Brand new Narnia book that has all 6 books in it .50(Marked $5.00 for our sale)
*ETA - Sold for $5.00 at 9/7/12 rummage sale = $4.50 profit

7 John Grisham/Stephen King Books $1 total, .14 each
(Marked $1.00 each for 6 and .75 for 1 for our sale)
*ETA - Sold Stephen King book for .75 at 8/24/12 rummage sale
*ETA - Sold 3 for $1.00 each at 9/7/12 rummage sale = $2.57 profit
*ETA - Sold 2 for $1.00 each at 8/23/13 rummage sale = $1.72 profit

6 Lint Rollers for $2.00 total, .34 each
(Marked $1.00 each for our sale)
*ETA - Sold 5 for $1.00 each at 9/7/12 rummage sale = $3.30 profit
*ETA - Sold 1 for $1.00 at 9/5/13 rummage sale - .66 profit

Shower Caddy - In the free box!
(Marked $1.00 for our sale)
*ETA - Sold for $1.00 at 9/7/12 rummage sale = $1.00 profit

Volleyball Knee Pads - In the free box!
(Marked $1.00 = $1.00 profit)
*Gave these to my Mom, she uses them when she does roofing.

And some things to keep!
Old Navy Hooded Top .25
Argyle Top .25
Navy Fall Jacket .25
Brand new undies with tag still on .10
2 Cookies .25
2 books for me .50 each
Dale Earnhardt Winter Hat .50
Dale Earnhardt Toy Car $1.00
Dale Earnhardt Uniform Nascar Jacket $5.00 (This was marked $10, but I talked her down to $5.00!)

Total spent $15.05! Lots of great deals!

DH looked up the Dale Earnhardt jacket online and we could not find it for less then $100! So he is pumped with his find. We will get it dry cleaned and then put it in his sports room.

Regular Savings:
Bingo Money $5620
Home Maintanence ING $2625
Mortgage Payoff Account (cash) $130
Cushion $2230
HSA $8020
New Patio Door(cash) $370
September 2012 $1765
Emergency Fund $1430
New Car $5000 - Complete
Vacation - $2825 - Complete
Anniversary Cruise $2025 - Complete
Total Regular Savings = $32,040.00

Retirement Savings:
Retirement Hold Account $1810
Roth IRA $5300
Rollover IRA $890
401K $19,000
403B $13,700 (est)
Total Retirement Savings = $40,700.00

Total Savings = $72,740.00 Passed the $70K mark and up $3,450 from last month!!

Well this will probably be the last update going up in awhile. During the summer DH makes much less ($1800 a month less!) so we will not be making deposits into savings unless it is unexpected monies (BD money, rummage sale, recycling etc). We just try to make it through without taking too much out of savings and planning ahead as best we can. I have to take $2K out of savings in the next week or two for our spending money for our anniversary cruise.

We did meet the goal for the Sept 2012 savings!

Current Balance $23,145.00
+$140.00 to Sept 2012 Savings
+$250.00 to Home Improvements
+$130.00 Rummage Sale Money to EF
+$11.95 ING Interest
+$23.05 ING Even Out Amount
New Balance $23,700.00

Bingo Money (cash) $1620.00
ING $19,555.00 ($4000.00 Bingo Money)
Mortgage Payoff $130.00
Home Improvements(cash)$370.00
HSBC $2,025.00
Total = $23,700.00

Bingo Money
Tips total - $2006.61
Wage total - $3617.32
Total Bingo Money - $5623.93