September 2012 Mortgage Payment

Balance $124,000.00
+$284.17 Interest
+$319.07 Escrow
-$1537.95 Regular Payment
-$1065.29 Principle Payment($40 change)
New Balance $122,000.00

Principle payment was made up of:
$425.00 OT Pay
$15.00 Change
$380.00 Regular Principle Payment
$130.00 Mortgage Money I had saved
$115.00 Random extra amount to get balance down an even $2000!!

This definitely won't be the norm, but what an awesome extra payment! Never had one this big before and will keep putting OT towards the mortgage to make some good progress.

So September is the first month I will be putting all of my OT pay towards the mortgage...I am so excited about it!

I saved all my OT pay in August:
8/3/12 $135.00
8/17/12 $90.00
8/30/12 $200.00
Total $425.00!!

WOW! That's a lot! So I will add all of that plus our normal principle payment, plus our change...gonna be a whopper of a principle payment!

Oh my I haven't updated my $20K Challenge all month! Took out the $1800 we have been saving for this time frame where DH does not get paid for a month inbetween summer job and school. He gets paid from school on 9/15/12 and will start saving the $100 per paycheck again for that account for Sept 2013.

Well here is where we are at:

Current Balance $23,300.00
-$112.00 to ROTH IRA
+$85.00 to retirement hold account(8/3/12) paycheck
+$85.00 to retirement hold account(8/17/12) paycheck
+$85.00 to retirement hold account(8/31/12) paycheck
+$2.00 Even Out Amount
-$1800.00 from Sept 2012 savings account to checking
+$100.00 to Anniversary Cruise
New Balance $21,745.00

Bingo Money (cash) $1620.00
ING $18,680.00 ($4000.00 Bingo Money)
Mortgage Payoff $130.00
Home Improvements(cash)$345.00
HSBC $970.00
Total = $21,745.00

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

All of this for .16 OOP!! WOWOWOWOW! And if I sell everything I will make a profit of $21.34!!



Pencil Case(Limit 4)
Regular Price $1.00
-.99 Sale Price (With $5 Minimum Purchase)
Final Price .01!!
(Marked .75 for the rummage sale)
*ETA - Sold 4 for .75 each at 9/7/12 rummage sale
Profit = $2.96

Cap Erasers 12pk (Limit 4)
Regular Price $1.29
-$1.28 Sale Price (With $5 Minimum Purchase)
Final Price .01!!
(Marked .50 for rummage sale)
*ETA - Sold 1 for .50 at 9/5/13 rummage sale
*ETA - Sold 3 for .50 each at 9/4/14 rummage sale
Profit = $1.96

Wood Pencils 8pk (Limit 4)
Regular Price $1.00
-.99 Sale Price (With $5 Minimum Purchase)
Final Price .01!!
(Marked .50 for rummage sale)
*ETA - Sold 4 for .50 each at 9/7/12 rummage sale
Profit = $1.96

Sharpie Highlighters 5pk (Limit 1)
Regular Price $4.00
-$4.00 Easy Rebate
Final Price $0!!
(Marked $1.50 for rummage sale)
*ETA - Sold for $1.50 at 9/7/12 rummage sale
Profit = $1.50

Bic Boxed Pens 12pk (Limit 1)
Regular Price $2.49
-$2.49 Easy Rebate
Final Price $0!!
(Marked $1.50 for rummage sale)
*ETA - Sold for $1.50 at 9/4/14 rummage sale
Profit = $1.50

HP Photo Paper 50ct (Limit 2)
Regular Price $9.99
-$1.00 Sale Price
-$8.99 Easy Rebate
Final Price $0!!
(Marked $5.00 for rummage sale)

Avery Notetabs (Limit 1)
Regular Price $3.99
-$3.99 Easy Rebate
Final Price $0!!
(Marked $1.50 for rummage sale)
*ETA - Sold for $1.50 at 8/23/13 rummage sale = $1.50 Profit

Gillette Custom Plus 3 Razors 4pk (Bought 2)
Regular Price $7.99
-$7.99 Mfr BOGO Free Coupon
*Received $5.00 EB
Final Price $1.50 each!!
(Marked $5.00 each for rummage sale)
*ETA - Sold 1 for $5.00 at 6/15/13 rummage sale
*ETA - Sold 1 for $5.00 at 8/23/13 rummage sale
= $7.00 Profit



I wanted to do this deal on my other card for the Venus Razors cause I have a BOGO free coupon for them too, but both our CVSs were out.

There's also a good deal on Dawn Dishsoap, but they were out of that too. Guess I gotta get some rainchecks.

Yeah finally got my new glasses!

Eye Exam - Covered 100% by insurance
Lenses $134.00 - Covered 100% by insurance
Frames $129.00 - Covered 100% by insurance

Final cost for me - $0!!!!!!!!!!!!!!

Ok this entry is waaaay overdue....but when we were gone on our cruise my Mom randomly decided to have a rummage sale and so she went down to our house and took everything up to her house and had a sale over the weekend we were gone and made a few bucks and some for us too!


DH Misc Science Supplies $4.20
Donated Items from friens $13.25
Donated Items from StepMom $4.25
My junk $4.50
Items bought specifically to resell for profit $25.50
Total $51.70

Not bad considerring I was sipping a tropical drink on a cruise ship while I was making this money!
So now I'm going to go back to the previous entries where I bought those items and update what was sold and for how much.

Tampax Radiant 16ct
Regular Price $5.49
-$2.00 Mfr Coupon
-$2.00 CVS Coupon
Final Price $1.49!!
*Did this deal twice, once on my card and once on DHs

When I bought these under my card I got a bunch of coupons on my receipt and used them for some super deals!

Softsoap Pomegranite 4 pk
Regular Price $4.59
-$2.30 Clearance Price
-$2.00 CVS Coupon
Final Price .29!!
(Marked for $2.50 for rummage sale)
*ETA - Sold for $2.50 at 8/24/12 rummage sale - $2.21 profit

CVS Brand Lotion 10oz $2.19
CVS Brand Lotion 3oz $1.49
-$3.00 CVS Coupon
Final Price .68 total for both!!
(Marked 10oz for $2.00 for rummage sale)
(Marked 3oz for $1.00 for rummage sale)
*ETA - Sold 3oz for $1.00 at 9/7/12 rummage sale
*ETA - Sold 10oz for $2.00 at 8/23/13 rummage sale
Profit = $2.32

So if I sell the 3 items I got just because of those good coupons I would make a profit of $4.53.

Then I also hit Family Dollar. They had Clairol Hair Color on sale.

Regular Price $3.50
On sale for $2.50
I had (3) $2.00 coupons.
So I got 3 boxes of hair color for just .50 each, marked each for $2.50 for the rummage sale.
*ETA - Sold 2 for $2.50 each at 9/7/12 rummage sale
*ETA - Sold 1 for $2.50 at 9/4/14 rummage sale
Profit = $6.00


(Not everything is pictured)

Staples Photo Paper $14.99 (Limit 4)
-$14.49 Easy Rebate
Final Price .50 each!!
(Marked $5.00 each for rummage sale)
*ETA - Sold 1 for $5.00 at 9/4/14 rummage sale
*ETA - Sold 1 for $5.00 on FB on 8/25/15

Staples 1 Subject Notebooks (Limit 6)
(I got 12 cause I got 6 and DH got 6)
.01 each!! (When you spend $5.00)
(Marked .25 each for rummage sale)
*ETA - Sold 2 for $.25 each at 8/24/12 rummage sale
*ETA - Sold 10 for .25 each at 9/7/12 rummage sale = $2.88 profit

My husband has been getting his classroom ready for the new school year and inspired by my purging at the house (at least that's what I tell myself) he is going through a lot of the old supplies kept in his classroom that have been there since he started teaching 6 years ago. He brought a ton of stuff home and told me to mark it for the rummage sale. I wasn't sure that was ok, but he said if we didn't sell it they were just throwing it all away because they don't use it and he had already thrown a bunch out. We tried to give some to a middle school science teacher that is a friend of ours, but he only ended up taking one box out of like 10....so here is the fun I had all weeked:
*ETA - Sold $96.50 worth at 8/24/12 rummage sale



Safety Goggles (22) marked $1.00 each
Flashlights (18) marked .50 each
Hanging Scales (2) marked $1.00 each
Test Tube Holders (3) marked $1.00 each
Stethoscopes (HUH) (13) marked $1.00 each
Measuring Cup (1) marked $1.00
Graduated Cylinders - Small Szs (8) marked .50 each
Graduated Cylinders - Large Szs (3) marked $1.00 each
Graduated Cylinder 4 piece set (2) marked $1.50 each
Keychain Laserpointers (15) marked $1.50 each
Replacement Batteries (4) marked .50 each
Desk Tape (1) marked .50
Pocket Scope (1) marked $2.00
History Books (6) marked .50 each
Education Videos (3) marked .50 each
Educational Videos (5) marked .25 each
Beakers Small (3) marked .25 each
Beakers Medium (24) marked .50 each
Beakers Large (1) marked $1.00 each
Mini Slide Viewers (10) marked .50 each
Bag of slides (2) marked $1.00 each
Bag of magnifiers (4) marked $1.00 each
Bag of prisms (1) marked $1.00 each
Parquetry Blocks (1) marked .50 each
Bin of Chemistry Supplies (1) marked $15.00 OBO
Mini Mirrors (24) marked $2.00 each...my Mom says these are antiques cause they are from a dinner club that burned down about 20 yrs ago...if they don't sell for $2.00 each I will mark them down lower.

Working on cleaning out my 3rd of 4 Dressers. The first drawer I have was my nylons and such. The 2nd drawer was all bras...like I said when I posted about the underwear...I used to work at JCPenney in the lingerie dept and got waaaaaay to much stuff for cheap when I worked there. It was about 10 years ago when I worked there and I definitely do not wear the same bra size anymore, so I did get rid of a ton of bras.
Still got 2 more drawers to do in this dresser, but got a good start.

-----------------Keep----------Sell-----------Toss----
Added to socks----3-------------1--------------0------
Nylons------------7-------------1--------------0------
Kneehighs---------3-------------0--------------0------
Shapers-----------4-------------0--------------0------
Tights------------6-------------0--------------0------
Bras-------------15------------11--------------6------
Added to underwear-5--so that I could sell as sets with the bras.
Totals----------43--------------13-------------6------
Got rid of 19 more items!!

Here is the before (embarrasing! I swear it's not usually this bad!)


And here is the after! I didn't find anything to sell in my nightstand, but got it reorganized, threw a few things away and found some Christmas cards that I put with my Christmas stuff so I can find them when that time comes.

Covergirl Lashblast Mascara (Bought 2)
Regular Price $8.89 each ($17.78)
-$2.78 Sale Price (2/$15.00)
-$5.00 off coupon "$5.00 off $15.00 cosmetic purchase"
-$5.00 off coupon - mfr coupon off 2 CG Mascara
Final Price $5.00 (Just $2.50 each!!)
(Marked for $4.00 each for rummage sale)
*ETA - Sold 2 for $4.00 each at 8/24/12 rummage sale - $3.00 profit

Venus Embrace Razor
Regular Price $13.29
-$3.30 Sale Price
-$4.00 mfr coupon
*Received $4.00 EB
Final Price $1.99!!
(Marked for $5.00 for rummage sale)
*ETA - Sold for $5.00 at 8/24/12 rummage sale - $5.00 profit