Wowsa we are really moving up lately! $27K will be very short lived as DH is booking our Vegas trip tomorrow, but still fun while it lasts.

Current Focus = Home Improvements $6,610/$7,000
Current Focus = New Car $9,845/$10,000

Current Balance $26,245.00
-$28.00 to Roth IRA
+$3.00 Even Out Amount
+$100.00 to ING Retirement Hold Account
+$200.00 to ING New Car
+$250.00 to Home Improvements
+$350.00 to ING Escrow for March 2013
New Balance $27,120.00

ING $23,745.00 ($4620.00 Bingo Money)
Home Improvements(cash)$1600.00
HSBC $1775.00
Total = $27,120.00

March 2013 Mortgage Payment

Balance $114,300.00
+$261.94 Interest
-$1218.88 Regular Payment
-$1043.06 Principle Payment
New Balance $112,300.00

Yeah no more Escrow!

Happy with the extra payment for the month, though I will say it should have been more. I was pretty irresponsible on our weekend away. Every once in awhile I get tired of being responsible and go a little crazy..lol. Well anyways it is still a good chunk gone and down $2K for the month. Getting closer and closer to breaking the $100K mark!

Worked 12 hrs OT this week and am a little behind on the deals...trying to catch up!



Target

Poise Feminine Wash (Bought 3)
Regular Price $3.89
Price Marked Down to $2.99
-$3.00 Mfr Coupon (3)
Final Price - Free!! 3 free!
(Marked $2.00 each for rummage sale)
*ETA - Sold 3 for $2.00 each at 9/4/14 rummage sale
Profit = $6.00

CVS

Brookside Dark Chocolate Trial Size (Bought 2)
Regular Price .69
*Received .69 EB
Final Price - Free!!

Wow this is the highest we have ever been! I requested my Escrow be closed on Wednesday and got the check for it in the mail on Friday, so fast!

Current Focus = Home Improvements $6,360/$7,000
Current Focus = New Car $9,645/$10,000

Current Balance $25,445.00
+$788.33 Escrow Funds
+$11.67 Even Out Amount
New Balance $26,245.00

ING $23,120.00 ($4620.00 Bingo Money)
Home Improvements(cash)$1350.00
HSBC $1775.00
Total = $26,245.00

Current Focus = Home Improvements $6,360/$7,000
Current Focus = New Car $9,645/$10,000

Current Balance $24,795.00
+$200.00 to ING New Car
+$100.00 to ING Retirement Account
+$100.00 to HSBC Anniversary Cruise
+$250.00 to Home Improvements
New Balance $25,445.00

ING $22,320.00 ($4620.00 Bingo Money)
Home Improvements(cash)$1350.00
HSBC $1775.00
Total = $25,445.00

I emailed my mortgage lender and she is closing out the Escrow Account. She advised it will be about a week and we should receive a check for the funds (est $700). I changed the name of my Long Term Emergency Fund to Long Term EF/Escrow Account and will put the $700 in there once it is received and set up my autodeposit.

I got $116.79 in the mail today!
-$100.00 check from FIL
-$10.00 Gift card to TJ Maxx from my work
-$6.79 Yearly Menards Big Card Rebate

And NO bills! What a great mail day!

I went through every file in my temporary file and cleaned out all of the 2012 paperwork. Moved it all into the permanent file box. Had a huge stack of papers that I was able to get rid of as well. Always makes me happy to make the house a little lighter.

Recently I have been looking over some of the different coverages we have and we do need to look into different home owners coverage. I have heard I can get it much cheaper from other carriers. So that is something I will need to look into soon.

Lots of free stuff this last week at Menards. I didn't get everything because some things I already had a lot for the rummage sale or I didn't think it would sell well.

Not sure on the original prices as I don't have the add anymore and they don't put that on the receipt, but everything below was FREE after rebate! I was going to keep the dish soap for the stockpile, but my Mom tried it and said it wasn't very good, plus I have a ton of Dawn in the stockpile. So into the rummage sale inventory it goes!

*ETA - I have now sold everything in this entry and made a profit of $40!

Dishwashing Soap 24oz Bottles (Limit 4) - Marked $1.00 each for rummage sale
*ETA - Sold 4 for $1.00 each at 6/15/13 rummage sale
Profit = $4.00

Hand Saw (Limit 2)-Marked $5.00 each for rummage sale
*ETA - Sold 2 for $5.00 each at rummage sale
Profit = $10.00

Grime Wipes(Limit 2)-Marked $2.00 each for rummage sale
*ETA - Sold 1 for $2.00 at 6/15/13 rummage sale
*ETA - Sold 1 for $2.00 at 9/5/13 rummage sale
Profit = $4.00

Reach Tool(Limit 2)-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 9/5/13 rummage sale
Profit = $10.00

Paint Brushes 2pk (Limit 4)-Marked $3.00 each for rummage sale
*ETA - Sold 3 for $3.00 each at 9/5/13 rummage sale
*ETA - Sold 1 for $3.00 at 9/4/14 rummage sale
Profit = $12.00

I moved the last of the Bingo Money from at home to the ING account. One less money "bucket" to keep track of.

Current Focus = Home Improvements $6,110/$7,000
Current Focus = New Car $9,445/$10,000

Current Balance $24,795.00
-$1000.00 from Bingo Money (cash)
+$1000.00 to ING New Car
New Balance $24,795.00

ING $22,020.00 ($4620.00 Bingo Money)
Home Improvements(cash)$1100.00
HSBC $1675.00
Total = $24,795.00

I moved some funds around since we got the Federal tax return and met 2 more goals! Now on to the Home Improvements and New Car Goals.  Home Improvements – DH puts $250 per paycheck in there, so that will be met in about 2 months. New Car – I will be transferring the last of the Bingo Money ($1000) to that account soon. I also cancelled the auto-deposits that I had set up ($100 bi-weekly to LT EF and $100 bi-weekly to Sept 2013) and started a new auto-deposit of $200 bi-weekly to New Car. So that goal will also be met within the next 2 months. Making some serious progress!

Current Focus = Long Term EF $1,000/$1,000 – Goal Met!
Current Focus = September 2013 $1,800/$1,800 – Goal Met!
Current Focus = Home Improvements $6,110/$7,000
Current Focus = New Car $8,445/$10,000

Current Balance $24,795.00
*No changes
New Balance $24,795.00

Bingo Money (cash) $1000.00
ING $21,020.00 ($4620.00 Bingo Money)
Home Improvements(cash)$1100.00
HSBC $1675.00
Total = $24,795.00

Our Federal Refund came in today! $1961!! YEAH! Can't wait to see how much of that we have to put towards the mortgage principle for March. We are going on our mini trip the weekend of Feb 15th, so will know by the 18th how much extra we have for the mortgage.

Got my State Tax Return today! YEAH! Put it in savings until DH's BD trip.

Current Focus = Long Term EF $640/$1000

Current Balance $24,540.00
+$115.00 State Tax Return to LT EF
+$250.00 Cross Country Pay to Home Improvements
-$112.00 ROTH IRA
+$2.00 Even Out Amount
New Balance $24,795.00

Bingo Money (cash) $1000.00
ING $21,020.00 ($4620.00 Bingo Money)
Home Improvements(cash)$1100.00
HSBC $1675.00
Total = $24,795.00

Rapid Sleep PM (Bought 2)
Regular Price $1.99
*Received $1.99 EB
Final Price - FREE!!

Venuz Razor (Bought 2)
Regular Price $6.99
-$2.00 Mfr Coupon
*Received $4.00 EB
Final Price .99!! (Free on CVS GC)
(Marked for $5.00 each for rummage sale)

Skintimate Shave Gel (Bought 2)
Regular Price $3.99
-.55 Mfr Coupon
*Received $2.00 EB
Final Price $1.44 each (Free on CVS GC)

Re-Nu Contact Solution 12oz (Bought 2)
Regular Price $9.99
-$2.00 Sale Price each
-$1.50 Mfr Coupon each
*Received $5.00 EB each
Final Price $1.49 each! (Free on CVS GC)
I do use this product, but already have 3 bottles in the stockpile so decided to sell these.
(Marked for $4.00 each for rummage sale)
*ETA - Sold 2 for $4.00 each at 6/15/13 rummage sale
Profit = $8.00

Scored big again!


Tresemme Shampoo and Conditioner 3oz (Got 12!!)
Regular Price .99 each
-$2.00 off 2 CVS Coupon Machine Coupons
Final Price 12 bottles for FREE!
These are perfect for travel!

Clairol Nice and Easy Hair Color (Bought 5)
Regular Price $9.29
-$6.97 Clearance Price
-$2.00 Mfr Coupon each
Final Price .32!! (Free on CVS GC)
(Marked for $3.00 each for the rummage sale)
*ETA - Sold 1 for $3.00 at 9/5/13 rummage sale
*ETA - Sold 1 for $3.00 at 9/4/14 rummage sale
*ETA - 1 did not sell so I donated on FB
3 left to sell

Clairol Natural Instincts (Bought 2)
Regular Price $9.29
-$6.97 Clearance Price
-$5.00 off 2 Mfr Coupon
Final Price +.18 Money Maker Each!!
(Marked for $3.50 each for rummage sale)
*ETA - Sold 1 for $3.50 at 6/15/13 rummage sale
*ETA - Sold 1 for $3.50 at 9/5/13 rummage sale
=$7.36 Profit on Natural Instincts!!

Current Focus = Long Term EF $525/$1000

Current Balance $24,500.00
+$13.08 ING Interest
+$26.92 Even Out Amount
New Balance $24,540.00

Bingo Money (cash) $1000.00
ING $21,015.00 ($4620.00 Bingo Money)
Home Improvements(cash)$850.00
HSBC $1675.00
Total = $24,540.00

February 2013 Savings Update

Regular Savings:
Bingo Money $1000
Home Maintanence ING $5010
Cushion $2610
HSA $7695
New Patio Door(cash) $850
September 2012 $945
Short Term Emergency Fund $1010
Long Term Emergency Fund $525
New Car $9670 - Complete
Vacation - $3025 - Complete
Anniversary Cruise $1675
Total Regular Savings = $34,015.00

Retirement Savings:
Retirement Hold Account $820
Roth IRA $6580
Rollover IRA $870
401K $24,585
403B $18,200 (est)
Total Retirement Savings = $51,055.00

Total Savings - $85,070.00

Up $3820 from last month! WOO!

Thanks to some advise from Beawealthywarrior and mjrube94 for suggesting the closing of the Escrow Account. I called my mortgage company and they advised all I need to do is send them an email and they will close the Escrow account and send the funds to me.
They just made the payments from this account, so there is only about $400 in there now, and once I make my Feb mortgage payment there will be over $700. Once I make the payment for Feb then I will send the email and open a new savings account for the Escrow. The plan will be to do an automatic deposit of $350 per month.
So instead of my mortgage payment going up $100 a month, it will actually be going down $300 a month. SWEET!