Home > Archive: October, 2015

Archive for October, 2015

$20K Update

October 30th, 2015 at 02:29 pm

I won the football pics again! I have won 2 of the 7 weeks so far....and another week I tied for 1st, but lost the tie breaker. Pretty good for someone that doesn't know anything about football and just pics! I have sold $30 more worth of stuff on FB this week, but I have a bunch more sales waiting for pick up, so I am going to wait to deposit that for now. Also should have rental income in the next few days that we can put some of it into savings.

We are moving my furniture from my old house to our new house this weekend so it will be a busy one! Hope everyone has a great weekend!

Current Balance $11,235.00
+$70.00 Football Pic Winners
+$25.00 MO Payday to Our Savings
Balance $11,330.00

Local Savings $1975.00
GC Savings $2550.00
Capital 360 Savings (US) $2855.00
Capital 360 Savings (Mom Payback Account)$2700.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $11,330.00

52 Week Challenge
Week 43 $780(total) + $40 + $41 + $42 + $43(deposits) = $946

$20K Challenge

October 26th, 2015 at 04:13 pm

We are chipping away at savings, but we have some monster bills coming I am pretty nervous! My home insurance and car insurance are due. Also we had a new AC put in Rental #2 (my old house) a month or two ago and haven't received the bill for that wedding pictures...and we had a repair man out to hookup the hot tub at the new house, I'm sure that bill will be here soon. YIKES! Just gotta keep sockin away the dollars and pay the bills as they come!

Current Balance $11,085.00
+$40.00 Last Week FB Sales
+$10.00 This Weekend FB Sales
+$100.00 Belated Wedding Gift
Balance $11,235.00

Local Savings $1905.00
GC Savings $2550.00
Capital 360 Savings (US) $2830.00
Capital 360 Savings (Mom Payback Account)$2700.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $11,235.00

52 Week Challenge
Week 39 $703(total) + $38 + $39(deposit) = $780

FB Sales over the weekend

October 26th, 2015 at 02:34 pm

Still chugging along with selling, mostly items we are finding that we don't need as we unpack. I have about $20 more in sales lined up for pickup so far this week.

Sale #267 (JC) $4.00
Lysol Refill Soaps (We no longer have the holder)
Sold for $2.00 each (2)
Profit = $4.00

Sale #268 (AKA) $1.00
Dixie Paper Cups
Sold for $1.00
Profit = $1.00

Sale #269 (MG) $4.00
Parchment Triangles for cake decorating
Sold for $4.00
Profit = $4.00

I also sold 2 pairs of new boxers for $4.00 a piece, and 4 Halloween Bags for $1.00 a piece for my Mom.

Discount on medical bill and Open Enrollment for Health Insurance

October 23rd, 2015 at 02:01 am

MO wasn't feeling well for a few days last month and went into the clinic. We got the bill a few days ago, $227.70. I called to pay it from my HRA and they OFFERED a 10% discount if we paid in full! So we got a discount of $22.70! Nice to see something good for paying your bills on time! I paid the bill from my HRA account. I still have $10,300 remaining in that HRA account.

I completed our Open Enrollment for my health insurance today. Sadly I did not meet the metabolic testing requirements so I have a higher premium then last year. My premium will be $54.50 a paycheck for me and MO. Hopefully when they re-test later this year I will meet it and that would lower the premiums a bit. My employer will contribute $800 to the HRA in Jan, so that will be a nice bump to that account!

Giftcard Inventory

October 23rd, 2015 at 01:13 am

As MO and I are still unpacking and organizing, I am making sure we have a central place for important items that we don't want to lose! I bought this AMAZING cute desk and file cabinet set (Wish I could post a pic for you!) it is painted turquoise and distressed look, the top has an old tan world map imposed onto it....hard to describe without seeing it, but trust me it's adorable! The file cabinet is also wooden and painted the distressed turquoise, and it has a mail holder built into the top and the slots are perfect to used to keeping all of our giftcards. We have a lot of them floating around right now since we received quite a few for wedding gifts, as well as random ones from before.

Applebees $20.00
Applebees $25.27
Barnes & Noble $5.00
Barnes & Noble $10.00
JCPenney $25.00
MasterCard $100.00
Target $5.00
Target $5.00
Target $5.00
Target $10.00
Target $20.00
Target $50.00
Target $50.00
Texas Road House $50.00
Walmart $10.00
Walmart $11.36
Walmart $20.00
Walmart $35.00
TOTAL - $456.63

FB Sales Week of 10/18/15

October 21st, 2015 at 05:28 pm

Still working on selling misc house items as I am unpacking as well as selling some new (bought to sell) items.

Sale #260 (BH) $10.00
Sketchers Sneakers - From my closet
Sold for $10.00
Profit = $10.00

Sale #261 (MT) $2.00
Beach Shower Curtain - From MO's old house
Sold for $2.00
Profit = $2.00

Sale #262 (SOM) $15.00
Salad Spinner
Sold for $10.00
Profit = $10.00

Cheese Grater
Sold for $5.00
Profit = $5.00

Sale #263 (JZ) $5.00
Free Items from Menards
Halloween Pumpkin Leaf Bags (5) - Free on rebate
Sold for $1.00 each
Profit = $5.00

Sale #264 (JSM) $1.00
Free Items from Menards
Halloween Pumpkin Leaf Bags (1) - Free on rebate
Sold for $1.00 each
Profit = $1.00

Sale #265 (S) $3.00
Free Items from Menards
Halloween Pumpkin Leaf Bags (1) - Free on rebate
Sold for $1.00 each
Profit = $1.00
*Also 2 Halloween bags for my Mom

Sale #266 (SR) $15.00 - Joint with my Mom
Discounted Items at CVS
Almay Shadow Softies (6) - We paid .38 each
Sold for $2.50 each
Profit = $12.72

I also sold 7 more Halloween Bags for my Mom.

Preparing to move the rest of my belongings

October 21st, 2015 at 05:06 pm

We have a Uhaul rental set up to move my furniture from Rental #2 (My old house) to our new home on Nov 1. Lots of packing up and purging to do before then! I have been unpacking MO's stuff and putting tons of stuff for sale on FB to get ready of misc items that we do not need. Made about $30 this week selling what I would call "junk" (Don't tell MO I call it that!) LOL! I also packed and moved my shoes to the new house, and managed to part with 6 prs, 3 to the trash, and 3 to sell. I sold one so far. It always feels so good to get rid of unneeded/unused items!

Nov will be our first month paying 3 mortgages. Saying that makes me feel a little nervous, but with the renters we have, we are actually only paying $500 OOP total for all 3 mortgages, so as long as everything goes fine with our renters we should be smooth sailing.

I am also changing my car insurance and home insurance to be added to MO's and will have some small savings with that. MO is having Escrow taken off of Rental #1, so that payment will go down, and we should also get a refund check to put into savings.

Working about 10hrs a week of OT (my job has unlimited OT) so that helps the bottom line as well.

Debt Update - 10/16/15

October 21st, 2015 at 04:53 pm

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Loan from Mom $14,247.50
Store Loan $13,567.74
HELOC $29,571.90
MO Mortgage $88,557.15
My Mortgage $158,800.00
Our Mortgage $256,500.00
Total = $561,244.29

$410.68 paid off in the last 2 weeks.

Starting total was $584,391.18.
$23,146.89 paid off since 6/19/15 (including downpayment on house)

We have $2675.00 in a savings account to pay off my Mom, so the amount we still owe her is $11,572.50.

$20K Update - $11K!!!

October 21st, 2015 at 02:46 pm

MO got his yearly dividend check from the local gas station, nice little boost! Then even out deposit and payday deposits! Smile

Current Balance $10,885.00
+$141.51 Dividend Check
+$8.49 Even Out Amount
+$25.00 Payday to Our Savings
+$25.00 Payday to Mom Loan Savings
Balance $11,085.00

Local Savings $1755.00
GC Savings $2550.00
Capital 360 Savings (US) $2830.00
Capital 360 Savings (Mom Payback Account)$2700.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $11,085.00

52 Week Challenge
Week 39 $703(total) + $38 + $39(deposit) = $780

$20K Update

October 15th, 2015 at 07:49 pm

All of our little snowflakes to savings are adding up quickly! We had a few more rebates come in from beer purchased for the wedding. For coed softball we paid the players fees upfront back in August, and then the players reimbursed us. The last player reimbursed us this week, and since we already covered that cost months ago we were able to just put that $30 in savings. A few FB sales, MO's payday, and apparently I either added wrong or forgot to add in a few deposits, so I corrected the balance.

Current Balance $10,670.00
+$12.00 Budweiser Rebate
+$12.00 Coors Rebate
+$30.00 Softball Money
+$12.00 FB Sales
+$4.00 Even Out Amount
+$25.00 MO Payday
+$120.00 Missed Deposits
Balance $10,885.00

Local Savings $1605.00
GC Savings $2550.00
Capital 360 Savings (US) $2805.00
Capital 360 Savings (Mom Payback Account)$2675.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $10,885.00

52 Week Challenge
Week 39 $703(total) + $38 + $39(deposit) = $780

FB Sales Week of 10/12/15

October 15th, 2015 at 01:38 pm

Now that all the craziness is simmering down (still have a lot of boxes to unpack, but we are going in the right direction!) I am trying to get back into FB Sales. I want to get back into posting a few items a day. I had a few sales this week and have quite a few items up for sale, so that is good. Goal is to consistently sell a few things a day, keep the money coming in with out being overwhelmed by it. Smile Trying to work on the items I bought to sell, as well as getting rid of misc. items we found in the move.

Sale #256 (AS) $7.00
Columbia Fleece - From MO's Closet
Sold for $7.00
Profit = $7.00

Sale #257 (SDC) $3.00
Set of 3 small vases - From MO's cupboards
Sold for $3.00
Profit = $3.00

Sale #258 (HC) $3.00
Discounted Items from Walmart (Joint with my Mom)
Ever After High Nail Polish Kit - We paid $1.30 after tax
Sold for $3.00
Profit = $1.70

Sale #259 (CC) $5.50
Discounted Items from Walmart (Joint with my Mom)
Hard Candy Eyeshadow - We paid .88 after tax
Sold for $3.50
Profit = $2.62

Also sold 2 packs of Halloween hanging ghosts for my Mom, 2 for $1.00 each.

Test for pictures

October 14th, 2015 at 11:18 pm


Sad pics are still not has been a couple of months now, has anyone heard anything on this or know who we can contact to try to get pics back?

I heart Discover! (What's new??)

October 11th, 2015 at 04:35 pm

As if I needed another reason to LOVE my Discover Card....a few weeks ago I called them to change my name since I got married last month. Not only was the process painless (as is everything with their customer service!) but now I received a wedding card in the mail from the rep that helped me change my name and address, a very sweet note from them, as well as a $15 Discover Giftcard! I have had a Discover as my credit card of choice since I was 17 and will be a happy and loyal customer for life!

Suggestions for selling old wedding ring?

October 11th, 2015 at 04:13 pm

I would like to sell my old wedding set. I have never sold any jewelry before, so I am looking for any suggestions on where/how to do so. I checked with the retailer where the set was purchased from (Zales) and they stated that they do not buy back jewelry, but that they would use it as part of an exchange it for an item of double the value paid for the rings. So the ring was $5000, XH paid cash so they discounted down to $3500. So Zales will give me $3500 credit towards a $7000 purchase. If I was in the market for more jewelry, then I would say this isn't a terrible deal, but I don't need anymore jewelry, and certainly not $7K worth!

I also went to a pawnshop, just to get an idea on what they would pay....$400! UM no thanks!

MO also tried to look online about selling it, but that didn't seem to promising either.

I realize I will not get anywhere near what the ring is worth, but I really don't think I would want to sell it for less then $2K. It is a beautiful set, 2 carats total, and I have all of the paperwork for it.

$20K Update - Made a new Stretch Goal

October 11th, 2015 at 04:03 pm

MO mowed his cousin's property out at the lake this summer, and yesterday his cousin gave him a check for $500 for mowing! Sweet! We were only expecting about $300, so this was a great surprise! We also got a small rebate from beer that we had bought for the wedding.

MO and I have been talking about our current goal (paying off the money my Mom loaned us, balance is currently $14,247.50) and how long it would take us to pay her off. Now that we are done with all of the house, wedding, trips, we don't have anything planned for upcoming trips/events. We have been talking about taking a little group trip to Laughlin (we get free flights and free rooms there) with some of MO's family in March. And wouldn't it be nice to have my Mom paid off by then?? We talked it over and we think if we tried really hard we could make it, and that would be a lovely "prize" for paying her off. So are going to work hard to have enough in savings to pay her off, have money for the trip, and still have a little left in savings for EF, then when we get home, we will start over again on savings, and would only have HELOC, store loan, and mortgages left. We are going to cut eating out and gambling as much as we can. I went grocery shopping yesterday and stocked up the pantry some, and I plan on getting some crockpot meals, and maybe even some freezer meals lined up soon. The loan we originally set up with my Mom was for 4 years, so if we could pay it off in 9 months that would be amazing!

Current Balance $10,150.00
+$12.00 Budweiser Rebate
+$8.00 Even Out Amount
+$500.00 MO Lawn Mowing Money
Balance $10,670.00

Local Savings $1535.00
GC Savings $2550.00
Capital 360 Savings (US) $2755.00
Capital 360 Savings (Mom Payback Account)$2580.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $10,670.00

52 Week Challenge
Week 39 $703(total) + $38 + $39(deposit) = $780

$20K Update - $10K!! We are halfway there!

October 7th, 2015 at 04:03 pm

Current Balance $9,280.00
+$800.00 Money brought back from Denver
+$.58 CapOne Interest
+$4.42 Even Out Amount
+.33 CapOne Interest
+$4.67 Even Out Amount
+.10 Local Savings Interest
+$9.90 Even Out Amount
+$25.00 My Payday to Mom Payback Savings
+$25.00 My Payday to Our Savings
Balance $10,150.00

Local Savings $1515.00
GC Savings $2550.00
Capital 360 Savings (US) $2755.00
Capital 360 Savings (Mom Payback Account)$2080.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $10,150.00

52 Week Challenge
Week 39 $703(total) + $38 + $39(deposit) = $780

October 7th, 2015 at 12:10 am

Has anyone else checked out It is supposed to be a site where you can get big savings on everything from toilet paper to TVs. I had seen commercials for it, but didn't check it out till today when I got a flyer in the mail for $15 off a $50 purchase. I browsed the site, mostly for the kinds of items I resell (HBA) since I am most familiar with price points for those items. Everything seemed to be about the same as Target prices....has anyone else used this site or had thoughts on their prices? The only item I found for cheaper then I could get buying locally was Beneful Dry Dog Food. MO is the one that buys that, and he said he pays $15+ per bag, it was $13.35 on the website. On the site, the more you buy, the more you save (I am not sure what the equation is for that), so I got an extra $1+ off for buying 4 bags, I used the $15 off $50, and also got free shipping. So for 4 bags of 15.5lb Beneful it came to $37.05, $9.26 per bag! So we saved over $6 per bag which is a great deal for a product we need, but without the flyer/coupon prob wouldn't have ordered from them.

Back from Denver!

October 6th, 2015 at 11:57 pm

I am back from vaca to Denver! We had a great time and got to see sooo much! The trip ended up being a group trip of 8 friends/family, with many more meeting us at the football game.

We went to the Vikings/Broncos game, Black Hawk Casinos, Dinosaur Ridge, Cheyenne Mountain Zoo (AMAZING!), ghost town, and dinosaur museum. Everything went great and the people in Denver were so friendly. Smile We ate too much, drank too much and spent too much..... = Great Vacation! We spent time with MO's family, but also had a whole day alone as well which was wonderful. Smile

Now FINALLY after a year of craziness,(moving to a new town and work at home employee, getting engaged, getting married, finding a renter for my house, buying new house, finding renter for MO's house, trips to Las Vegas, Boston and Denver...all of these things occurred in only a 6 month time frame!), we may have some normalcy for awhile. We will be settling into our new home, enjoying hunting season, and getting ready for the holidays.

XH Reappears = Emotionally Exhausted

October 1st, 2015 at 03:02 pm you know if you read my blog, I got divorced last year after 7 years of marriage, 12 together total (XH wanted the divorce, I did not, I believe when you get married, you stay married, and you figure out your issues, not run away from them...Though now I am so happy that I did get divorced.) We had a LOT of problems, all stemming from his alcoholism (I am not a perfect spouse, but I was willing to work on and fix anything to save our marriage, he was very clear that he would never stop drinking). We divorced as amicably as you can considering it is a divorce and I did not want it, we had no children, we split everything evenly, no lawyers. Shortly after I got divorced I met, well re-met MO (My One) and we started dating, I moved to his town, got engaged, and last month got married. I have had very limited contact with XH. He still gets some mail at my old house (I have reminded him many times to change his address, he moved out in May a year and a half ago.....ridiculous!) so I occasionally text him to pick up his mail, but other then that I never initiate contact with him.

He occasionally texts me something random, when he sees something that reminds him of me, etc. This occurs about once a month, and I either ignore the text completely or respond nicely (but platonically), and don't prolong the conversation, answering with few words and no more then 1 or 2 replys (unfortunately I have a very hard time ignoring people because I know how much it hurts my own feelings to be ignored). We are both always nice to each other in texts, but I end the convo quickly and don't "reminice" with him.

Now a few days ago he texted me:

"Soooooo I have something I need to tell you before you see it on FB"

My reply "Let me guess. You got your girlfriend prego."

"Wow you are good"

He then continues to text me several more times about how he was so surprised and yadda yadda yadda. Meanwhile I don't respond at all and go on to have a complete and total breakdown including crying till I puke. XH and I tried for 7 YEARS to get pregnant. I can't even start to count how many drs visits, tests, DOLLARS, tears, depression.....and after all the testing we were told very clearly XH IS THE PROBLEM, XH CANNOT EVER HAVE CHILDREN. His numbers were outrageously low for every sperm test. My tests all came back clear and good to go. That all occured after about 2 years of trying, after that he wouldn't talk to me AT ALL about trying invitro, donor sperm, adopting, etc. So for the remaining 5 years of our marriage I waited for him to be able to talk about it and find out if I would ever get to be a Mom....that obviously never happened. After we were in the process of getting divorced he told me "I guess I don't really believe in that other stuff (children from non natural conception)....REALLY?!?!? Well that would have been nice to tell your WIFE 5 years ago!! Or maybe before we got married!! UGH!!!!!! So now he dates some girl (who already has 4 children and lives on the other side of the US) and a few months later she is pregnant.....WTF. Let me be clear I am not upset that he is having a baby with someone else. I am upset #1 because if HE CAN have kids, it sure seems like I am the one that can't. Frown And #2 WHY IN THE HECK ARE YOU TEXTING ME ABOUT THIS??? I didn't text you when I moved to another city, I didn't text you when I got engaged, I didn't text you when I got married, I didn't text you when we bought a new house.....why not? Cause it's none of your business anymore and we don't need to know anything about each others lives! And he knows darn well how painful the baby topic is for me, so I guess he is just trying to be spiteful and hurt me.

So I have my mega breakdown, MO was not home, he was actually at my old house that we are renting out as we had coed softball that night so he went down to get some things done before our game. I get myself together and go down there, still not responding to any of the texts since the first one from XH. I go to softball and try to buck up, his life doesn't effect me so who the he!! cares. My parents come to the game, MO is on my team, and my super awesome BIL and SIL as well. At the end of the games I go get my phone out of my bag, and I have 5 missed texts, 3 missed calls and a VM from XH. The texts are things like "Bummed that you didn't respond" "Well hope life is good to you, I love you always" "I love you"... Frown The VM is a long, clearly drunk VM of "I love you's and I miss you's and everything will be ok" Well that is awesome. For the last 6 months of our marriage when I said "I love you", his response was "I know". NOW he wants to give me "I love yous" BULLSH!T So it was terrible, MO was obviously outraged as he should be if someone is telling HIS WIFE that they love her and miss her. I didn't respond to any of the texts or call him back. That was a few days ago and I havent heard a peep since. Most likely he doesn't remember as he was definitely drinking. So I am torn between sadness and anger. How dare he do that to me. I just got married, I clearly moved on with my life but he feels the need to bring me down. I really hoped that getting divorced would be the rock bottom he needed to get help for his alcoholism, clearly it wasn't. I talked to my Mom and she made a good point about how lucky I was that I didn't get pregnant with X as then I would have been doing that all alone too, and having to explain to my kids why Dad punches holes in the wall, and can't walk straight or slurs his words.....true true.

So there is my drama fest for awhile....I was so mad and upset about it I had to wait a few days to even post this. XH and I still have our car insurance together (since we were amicable with each other it didn't seem like a big deal to temporarily leave the vehicles together and continue getting the multi-car discount) but now I will move my insurance and apparently will need to block XH's phone number, which is not something that I wanted to do, but he obviously doesn't understand what is acceptable contact, which I should have known by now since that is another reason we got divorced....SIGH.