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Archive for November, 2017
November 29th, 2017 at 07:52 pm
I got a quarterly bonus at work ($475 after taxes), but it is all going to help pay our propane bill ($1200). We may be able to squeak by without having to take out of savings for the propane bill.....for now.
Current Balance $17,410.00
+$120.00 FB Sales
+$50.00 My Payday to Our Savings (12/1)
+$75.00 My Payday to Mom Loan (12/1)
Balance $17,655.00
Local Savings $7000.00
GC Savings $965.00
Capital 360 Savings (US) $4120.00
Capital 360 Savings (Mom Loan Payback Account)$2805.00
Capital 360 Savings (Rental Deposit Account #1)$1265.00
Capital 360 Savings (Rental Deposit Account #2)
$1500.00
Total Savings = $17,655.00
52 Week Challenge
2017 Total = $892.00(We have paid weeks 128 and 4452)
Posted in
$20K challenge

0 Comments »
November 27th, 2017 at 04:36 pm
Sales this week were $258.00!! Wow!!! Love how much stuff I am moving out of here!
Sale #778 (MB) $3.50
Cat + Jack PJ Sets  We paid .84 each
Sold for $3.50
Profit = $2.66
Sale #779 (KS) $10.00
Cat + Jack Santa Dress  We paid $2.12 each
Sold for $10.00
Profit = $7.88
Sale #780 (DA) $16.00
Total Girl Slippers (2)  We paid $2.12 each
Sold for $8.00 each
Profit = $11.76
Sale #781 (AVB) $40.00
Total Girl Slippers  We paid $2.12 each
Sold for $8.00 each
Profit = $5.88
Gillette Fusion Proshield Gift Set 4pc  We paid $.77
Sold for $12.00
Profit = $11.23
Dove Men's Gift Set  We paid $3.96
Sold for $10.00
Profit = $6.04
Adidas Sport Men's Gift Set  We paid $ 3.96
Sold for $10.00
Profit = 6.04
Sale #782 (AH) $12.00
Bath and Body Lotions (2)  We paid $4.53 each
Sold for $6.00 each
Profit = $2.94
Sale #783 (DA) $8.00
Dora Riding Toy  We paid $2.00
Sold for $8.00
Profit = $6.00
Sale #784 (KB) $12.00
Peanuts Nativity Set  We paid $5.31
Sold for $12.00
Profit = $6.69
Sale #785 (SSB) $12.00
Bath and Body Lotions (2)  We paid $4.53 each
Sold for $6.00 each
Profit = $2.94
Sale #786 (LS) $46.50
Shimmer and Shine Hand Sanitizer (3) We paid $0!
Sold for $1.50 each
Profit = $4.50
Hello Kitty Christmas Shirt  We paid $1.05
Sold for $5.00
Profit = $3.95
Adult Coloring Books (3)  Free After Rebate
Sold for $4.00 each
Profit = $12.00
Purse Essentials Glitter Hair Ties (2)  We paid .25
Sold for $1.00 each
Profit = $1.50
Wet & Wild Nail Kits  We paid $1.05
Sold for $6.00
Profit = $4.95
EOS Lip Balm 3pk  We paid $3.27
Sold for $7.00
Profit = $3.73
Pantene 3 Minute Miracle  We paid .83
Sold for $3.00
Profit = $2.17
Migralex (Me)  Free After EB
Sold for $1.00
Profit = $1.00
For my Mom: Corkscrew $2.00, Pizza Cutter (2) $4.00.
Sale #787 (DA) $98.00
Cat + Jack PJ Sets  We paid .84 each
Sold for $3.50
Profit = $2.66
JOY Christmas Bib  We paid $.42
Sold for $2.00
Profit = $1.58
Chapstick Holiday 3pk (6)  We paid $1.33 each
Sold for $3.00 each
Profit = $10.02
Christmas Knee High Socks (4)  We paid .27 each
Sold for $1.00 each
Profit = $2.92
Bath and Body Lotions (5)  We paid $4.53 each
Sold for $6.00 each
Profit = $7.35
Adult Coloring Books (5)  Free After Rebate
Sold for $4.00 each (Gave $5.00 discount for a large order)
Profit = $15.00
Christmas Dress  We paid $1.28
Sold for $6.00
Profit = $4.72
Vday Bar Soaps (4)  We paid .52 each
Sold for $2.00 each
Profit = $5.92
Posted in
My Sales

3 Comments »
November 27th, 2017 at 01:18 am
$300.46 paid off in the last 2 weeks!!!
Celebrations for this update:
$300.46 paid off in the last 2 weeks!
MO's mortgage went under the next $1000 mark!
Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC  US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $7,347.31
Mom Loan #2 $17,897.64
MO Mortgage $83,925.75
My Mortgage $150,300.00
Our Mortgage $247,082.00
Total = $506,552.70
Down $300.46 in the last 2 weeks!!
Starting total was $587,351.27
$80,798.57 paid off since 6/19/15 (including downpayment on house)!!!!!
We have $2730 in a savings account to pay off the Mom Loan, so the amount we still owe that is $15,167.64.
Posted in
Mortgage/Debt Payoff

2 Comments »
November 26th, 2017 at 11:52 pm
Current Balance $17,330.00
+$50.00 MO Payday (11/24)
+$30.00 Monthly Cellphone Savings
Balance $17,410.00
Local Savings $6880.00
GC Savings $965.00
Capital 360 Savings (US) $4070.00
Capital 360 Savings (Mom Loan Payback Account)$2730.00
Capital 360 Savings (Rental Deposit Account #1)$1265.00
Capital 360 Savings (Rental Deposit Account #2)
$1500.00
Total Savings = $17,410.00
52 Week Challenge
2017 Total = $892.00(We have paid weeks 128 and 4452)
Posted in
$20K challenge

0 Comments »
November 26th, 2017 at 11:47 pm
MO had a young man living in his basement in an extra bedroom when we started dating, then when we got married and moved to our new house, he had moved with us since we have 4 bedrooms and lots of extra room. He paid $400 a month and that extra money went right into savings and was a big help to us. Sadly he has decided to move to CA to live with his GF.....so after 3 1/2 years of the extra money, that is over.
It's a big hit to the finances. We were putting $1300 a month from rent for all of our rentals into savings, so we will have to lower that to $900 and try to continue to work on limited spending (which was going really well till Thanksgiving/Black Friday Shopping went nuts).
On the plus side now we have the 2nd bathroom back and will have another extra bedroom to use for guests or whatever we would like to use it for.
Posted in
Uncategorized

2 Comments »
November 25th, 2017 at 04:49 pm
I stopped into Famous Footwear on Black Friday to see if I could find some new tennis shoes for myself. I still have $100 in wellness dollars from my work I need to use before the end of the year, so I thought maybe I would use some on shoes since I don't really need anything right now. I didn't find anything for myself, but I did find these great deals in the kids clearance! The entire store was BOGO 50% off, which I was happily surprised applied to clearance as well!!
My total for all 4 pairs was $21.30, if I sell them all for $20 each, profit would be $58.70!!
Boys Sketchers $54.99
Clearanced to $10.00!
Final Price after tax $10.65!!
(Marked $20.00 for rummage sale)
*ETA  Sold for $20.00 on FB on 12/4/17
Profit = $9.35
Girls Nine West Furry Boots $49.99
Clearanced to $5.00! (They were marked $12, but rang up at $5!)
50% off
Final Price + Tax = $2.62!!
(Marked $20.00 for rummage sale)
*ETA  Sold on FB for $20.00 on 9/2/18
Profit = $17.38
Girls Circus Brand Boots $49.99
Clearanced to $5.00
Final Price + Tax = $5.33!!
(Marked $20.00 for rummage sale)
Nine West Girls Faux Leather Boots (No reg price on box, but I am guessing $49.99)
Clearance to $5.00
50% off
Final Price + Tax = $2.62
(Marked $20.00 for rummage sale)
*ETA  Sold on FB for $20.00 on 11/26/17
Profit = $17.38
Posted in
Shopping,
Rummage Sales and Recycling

4 Comments »
November 24th, 2017 at 03:38 am
We snuck into JCP after Thanksgiving dinner. I didn't expect it to be too busy since it was about 3pm on Thanksgiving.....boy was I wrong! The place was a mad house!
They were giving away coupons that could be $10 off of $10, $100 off of $100, or $500 off of $500 purchase! MO and I each got a $10 off of $10, which we were happy with.
I used mine for a shirt for myself, it was $30 and on sale for $11.99, so just had to pay $1.99.
MO didn't find anything he wanted so we used his for a Christmas gift for his brother, a box of monogrammed handkerchiefs that were $25.00, on sale for $9.99, so the coupon wouldn't work, since it had to be $10, so we threw in a pair of slippers that were on a good sale. So the handkerchiefs were free!
While we were shopping we found 2 more $10 off of $10 that someone had left laying on a display! We used one on a gift for my niece, it was $19.99, so we got it for $9.99, and then the last one we used for 2 pairs of slippers that were normally $22.00, but on sale for $5.00, the math is weird because they were signed (we thought) for $5.00, but I think the sign was wrong/misleading, so they rang up for $7.99. The cashier price adjusted them for us to the $5.00, but then said they couldn't use the coupon....it was very confusing.
Between the 3 pairs of slippers we paid $6.38! So only $2.13 per pair, pretty awesome on $22 slippers!
(Marked $8.00 for rummage sale)
*ETA  Sold 3 for $8.00 each on FB on 11/19/17
Profit = $17.62
Overall we spent $19.13, and saved $123.02!! Awesome!
Posted in
Rummage Sales and Recycling

3 Comments »
November 20th, 2017 at 05:11 pm
I won football pics again last week, but I tied with someone, and we also tied on the tie breaker, so I won $30 instead of $60. I have had the most pics right on 4 separate weeks now, 2 I won, 1 I tied with a bunch of people and I lost the tie breaker so won $0, and this last one I tied with 1 person and we tied with the tiebreaker. I had to pay $85 to play, and have won $150 so far! Hopefully I can win once more before the end of the season!
Current Balance $17,240.00
+$45.00 FB Sales
+$10.58 Payflex Rx Reimbursement
+$30.00 Football Pics Winner
+$4.42 Even Out Amount
Balance $17,330.00
Local Savings $6880.00
GC Savings $935.00
Capital 360 Savings (US) $4020.00
Capital 360 Savings (Mom Loan Payback Account)$2730.00
Capital 360 Savings (Rental Deposit Account #1)$1265.00
Capital 360 Savings (Rental Deposit Account #2)
$1500.00
Total Savings = $17,330.00
52 Week Challenge
2017 Total = $892.00(We have paid weeks 128 and 4452)
Posted in
$20K challenge

0 Comments »
November 20th, 2017 at 04:36 pm
FB Sales for the week were $108.00!! Christmas items are moving out of here quickly, and since most were purchased at 90% off the profits for these items is a great percentage! I will send whatever doesn't go before Thanksgiving down to my Mom so she can try to sell some in her town too. I know I have gotten rid of a least a few full boxes of stuff already!
Sale #766 (HL) $15.00
Girls Hat, Glove, Scarf Set  We paid $2.56
Sold for $6.00
Profit = $3.44
Girls Christmas Dress  We pad $1.28
Sold for $6.00
Profit = $4.72
Christmas Beanie  We paid $1.05
Sold for $3.00
Profit = $1.95
Sale #767 (LCS) $7.00
Cat + Jack PJ Sets (2)  We paid .84 each
Sold for $3.50 each
Profit = $5.32
Sale #768 (BH) $8.00
Christmas Tree Throws (2)  We paid $1.32 each
Sold for $4.00 each
Profit = $5.36
Sale #769 (PW) $6.00
Pioneer Woman Table Runner  We paid $1.06 each
Sold for $6.00 each
Profit = $4.94
Sale #770 (JC) $27.50
Christmas Tree Throws (2)  We paid $1.32 each
Sold for $4.00 each
Profit = $5.36
Nivea Kiss of Color  We paid $1.32
Sold for $2.50 each
Profit = $1.18
Almay Shadow Softies  We paid .38
Sold for $2.50
Profit = $2.12
Flower MakeUp Kit  We paid $1.99
Sold for $5.00
Profit = $3.01
Wet'N'Wild Haute Eye Collection  We paid $1.06 each
Sold for $4.00
Profit = $2.94
Aloe Infused Christmas Socks  We paid .31
Sold for $2.00
Profit = $1.69
For my Mom: Revlon CrÃ¨me Eye Shadow for $3.50.
Sale #771 (MB) $3.50
Cat + Jack PJ Sets  We paid .84 each
Sold for $3.50
Profit = $2.66
Sale #772 (JO) $17.50
Cat + Jack PJ Sets  We paid .84 each
Sold for $3.50
Profit = $2.66
Pioneer Woman Kitchen Handtowels 2pk  We paid .63
Sold for $4.00
Profit = $3.37
Pioneer Woman Oven Mitt and Pot Holder Set  We paid .63
Sold for $4.00
Profit = $3.37
Pioneer Woman Table Runner  We paid $1.59
Sold for $6.00
Profit = $4.41
Sale #773 (LQ) $3.00
Elf Bootie Slippers  We paid .84 each
Sold for $3.00
Profit = $2.16
Sale #774 (DDA) $3.00
Santa Bootie Slippers  We paid .84 each
Sold for $3.00
Profit = $2.16
Sale #775 (AP) $6.00
Elf Bootie Slippers  We paid .84 each
Sold for $3.00
Profit = $2.16
Santa Bootie Slippers  We paid .84 each
Sold for $3.00
Profit = $2.16
Sale #776 (BJC) $1.50
Rudolph Socks  We paid .42 each
Sold for $1.50
Profit = $1.08
Sale #777 (DMN) $10.00
Girls Gingerbread Outfit for my SIL  $10.00
Posted in
My Sales

0 Comments »
November 17th, 2017 at 03:15 pm
We got 1 more No Spend Day under our belt. I think we are doing "ok" Definitely could be doing a little better. I have noticed we are doing better at not grabbing little items when we are close to getting a no spend day. At least we stop and think about it!
I think we could do a No Spend Day today, then tomorrow we are going Christmas Shopping and I am going to try to get as many gifts done in one day as I can.
11/1  NO SPEND DAY #1
11/2  $108.49 Fuel for all 3 vehicles
11/3  $7.07 I had a Drs apt out of town so I got breakfast and coffee.
11/3  $10.94 National Sandwich Day at Subway, 2 Ft long subs and a drink for dinner
11/4  $13.34 Out of town for the weekend, picked up lunch on the drive.
11/4  $24.34 Dinner out of town
11/4 Fuel (don't have the amount yet, the transaction is still pending)
11/5  $18.27 Breakfast out of town
11/5  $23.21 Eating out for dinner (LAZY)

11/5  $175.09 Monthly Cable and Internet Bill
11/6  NO SPEND DAY #2
11/7  NO SPEND DAY #3
11/8  $24.99 Fuel for going out of town for Dr
11/8  $20.00 MO Haircut
11/8  $17.15 Breakfast while out of town for drs apts
11/8  $1.25 CVS Deals
11/8  $7.43 Tractor Supply (not sure what MO bought)
11/9  $7.25 Breakfast for MOs BD
11/9  $23.12 Lunch for MOs BD
11/9  $49.00 Dinner for MOs BD
11/9  $56.93 Fuel for truck for hunting

11/10  $40.00 MO picked up food while hunting
11/10  $75.00 Monthly Work Internet Bill (This will be reimbursed by my work)
11/10  $28.67 Fuel while hunting
11/11  $17.58 McDonalds breakfast while hunting
11/11  Pop (UGH!)
11/11  $18.82 Fuel
11/11  $27.74 Fuel
11/12  $5.40 Snacks? Not sure
11/12  $5.00 Tshirt I bought off local FB site
11/13  $9.71 Drug Store
11/13  $91.86 Bath and Body (some to keep, some to resell)
11/14  NO SPEND DAY #4
11/15  $68.14 Verizon Monthly Phone Bill
11/15  $10.64 Grocery Store
Posted in
Uncategorized

1 Comments »
November 17th, 2017 at 02:56 pm
We had to pull money out of savings to start paying for the patio that is being put on Rental #1. It's a smart decision in the long run because it keeps our renters happy (they have already been there over 2 years) and also increases the value of the property, but still stinks to have to take out of savings when we are trying to go up. Also had to pay our Discover bill from Oct which was higher then normal due to Vegas expenses.
I would like to say we will be going up now, but we have to pay for propane for the winter ($1200) and also home insurance on our 3 houses ($2500) so will probably just be fighting to stay above $15K for awhile.
Current Balance $18,525.00
+$90.00 Mortgage Savings
+$50.00 My Payday to Our Savings
+$75.00 My Payday to Mom Loan Savings
$1000.00 Patio for Rental #1
$500.00 Vegas Bills (Flight, TopGolf, etc)
Balance $17,240.00
Local Savings $6790.00
GC Savings $935.00
Capital 360 Savings (US) $4020.00
Capital 360 Savings (Mom Loan Payback Account)$2730.00
Capital 360 Savings (Rental Deposit Account #1)$1265.00
Capital 360 Savings (Rental Deposit Account #2)
$1500.00
Total Savings = $17,240.00
52 Week Challenge
2017 Total = $892.00(We have paid weeks 128 and 4452)
Posted in
$20K challenge

0 Comments »
November 17th, 2017 at 02:30 pm
The last few sets of B&B Products I had sold so well, so I decided to get some more when they were on sale online last week. If they don't sell well, they always work great for gifts!
I also had a $25 giftcard which I used for some handsoaps for myself as I love those!
Handsoaps (Bought 6)
On sale for 6 for $25
(Keeping these)
Body Creams and Lotions (Bought 14)
Regular Price $13.50 each
$9.55 Sale Price Each
Final Price (including tax + S+H) = $4.53 each
(Marked $6.00 each for rummage sale)
*ETA  Sold 9 for $6.00 each on FB on 11/19/17
*ETA  Sold 5 for $6.00 each on FB on 12/10/17
Profit = $23.10
Posted in
Shopping,
Rummage Sales and Recycling

0 Comments »
November 13th, 2017 at 05:35 pm
Lots of sales picked up this week and Christmas items are going great! Total Sales this week were $188.00!!!
Sale #761 (JC) $5.00
UND Helmet Ornaments (4)  We paid .43 each
Sold for $5.00 for set of 4
Profit = $3.28
Sale #762 (BH) $14.00
Curad Bandaids (2)  We paid .53 each
Sold for $1.00 each
Profit = $.94
Girls Hat, Glove and Scarf Set (2)  We paid $2.56 each
Sold for $6.00 each
Profit = $6.88
Sale #763 (JZ) $17.00
Elf on the Shelf, Mini Blankies  We paid .52 each
Sold for $3.00 each
Profit = $2.48
ELF Christmas Beanie  We paid $1.05
Sold for $3.00
Profit = $1.95
Christmas Flag  We paid .61
Sold for $3.00
Profit = $2.39
Christmas Emoji Blankets (2)  We paid $.94 each
Sold for $4.00 each
Profit = $6.12
Sale #764 (JZ) $27.00
UND Christmas Bulbs (4)  We paid $1.17 each
Sold for $5.00 each
Profit = $15.32
Lavender Long Sleeve Hunting Tee  We paid ?
Sold for $2.00
Profit = $?
A coat for MO, $5.00.
Sale #765 (LS) $69.50
Christmas Slipper Socks (2)  We paid .85 each
Sold for $3.00 each
Profit = $4.30
Red Ballerina Slippers  We paid $1.05 each
Sold for $4.00
Profit = $2.95
Shimmer and Shine Hand Sanitizer  We paid $0
Sold for $1.50
Profit = $1.50
Revlon 2in1 Nail Art Polish  We paid .95
Sold for $4.00
Profit = $3.05
Elf on the Shelf Candy Cane Nail Polish Kits (2)  We paid $1.30 each
Sold for $3.00 each
Profit = $3.40
Adult Coloring Books  Free After Rebate
Sold for $4.00
Profit = $4.00
Pantene Shampoo and Conditioner (4)  We paid .74 each
Sold for $3.00 each
Profit = $9.04
Nail Polish Set 18pc  We paid $1.87
Sold for $5.00
Profit = $3.13
Finding Dory Creativity Set  We paid $5.81
Sold for $12.00
Profit = $6.19
Sally Hansen Diamond Strength (Me)  I paid $1.37
Sold for $3.00
Profit = $1.63
For my Mom: Head and Shoulder $7.00 and $5.00
Sale #765 (NC) $55.50
Adult Coloring Books (2)  Free After Rebate
Sold for $4.00
Profit = $4.00
Duo Cleanser  We paid $1.44
Sold for $5.00
Profit = $3.56
Christmas Gift Wrap Set  We paid .95
Sold for $5.00
Profit = $4.05
Bath and Body Lotions (4)  We paid .30 each
Sold for $4.00 each
Profit = $14.80
Oven Liners (2) (Me)  Free After Rebate
Sold for $2.50 each
Profit = $5.00
Sodering Iron (Me)  I paid .99
Sold for $4.00
Profit = $3.01
For My Mom: Rag Rugs (2) $6.00, Knife Set $5.00, Hand Cream $1.50
Posted in
My Sales

2 Comments »
November 10th, 2017 at 09:20 pm
$1427.30 paid off in the last 2 weeks!!!
Celebrations for this update:
$1417.30 paid off in the last 2 weeks!
We went under the next TWO $1000 marks!
Mom Loan went under the next $1000 mark!
We reached $100K paid off on Rental #2!!!!
Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC  US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $7,462.77
Mom Loan #2 $17,897.64
MO Mortgage $84,110.75
My Mortgage $150,300.00
Our Mortgage $247,082.00
Total = $506,856.16
Down $1427.30 in the last 2 weeks!!
Starting total was $587,351.27
$80,495.11 paid off since 6/19/15 (including downpayment on house)!!!!!
We have $2650 in a savings account to pay off the Mom Loan, so the amount we still owe that is $15,247.64.
Posted in
Mortgage/Debt Payoff

3 Comments »
November 10th, 2017 at 09:13 pm
The trend only 10 days in is very clear, fuel and eating out = $$$$$$$.
MO is out of town now hunting so I am sure he will have a few more gas fills. Hoping to get our 4th No Spend Day on Sunday.
Also planning on doing all Christmas Shopping on one day to get it all done and out of the way.
11/1  NO SPEND DAY #1
11/2  $108.49 Fuel for all 3 vehicles
11/3  $7.07 I had a Drs apt out of town so I got breakfast and coffee.
11/3  $10.94 National Sandwich Day at Subway, 2 Ft long subs and a drink for dinner
11/4  $13.34 Out of town for the weekend, picked up lunch on the drive.
11/4  $24.34 Dinner out of town
11/4 Fuel (don't have the amount yet, the transaction is still pending)
11/5  $18.27 Breakfast out of town
11/5  $23.21 Eating out for dinner (LAZY)

11/5  $175.09 Monthly Cable and Internet Bill
11/6  NO SPEND DAY #2
11/7  NO SPEND DAY #3
11/8  $24.99 Fuel for going out of town for Dr
11/8  $20.00 MO Haircut
11/8  $17.15 Breakfast while out of town for drs apts
11/8  $1.25 CVS Deals
11/8  $7.43 Tractor Supply (not sure what MO bought)
11/9  $7.25 Breakfast for MOs BD
11/9  $23.12 Lunch for MOs BD
11/9  $49.00 Dinner for MOs BD
11/9  $56.93 Fuel for truck for hunting
Posted in
Uncategorized

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November 10th, 2017 at 09:03 pm
Current Balance $18,465.00
+$10.00 Mortgage Savings
+$50.00 MO Payday to Our Savings
Balance $18,525.00
Local Savings $6700.00
GC Savings $2435.00
Capital 360 Savings (US) $3970.00
Capital 360 Savings (Mom Loan Payback Account)$2655.00
Capital 360 Savings (Rental Deposit Account #1)$1265.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $18,525.00
52 Week Challenge
2017 Total = $892.00(We have paid weeks 128 and 4452) 