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Archive for December, 2017

CVS Deals and Freebies Week of 12/25/17

December 31st, 2017 at 01:10 pm

I had a few EBs I needed to use up and I was lucky to find some great clearance deals and even some Money Makers!!! Normally I wouldn't buy the OGX since it was just a conditioner and no matching shampoo, but since it was free I had to grab it! Love freebies!!
Also everything was paid for with my CVS giftcards earned from my Discover Rewards, so I didn't actually pay anything OOP at all!!



Physicians Formula Eye Makeup Remover (Bought 4)
Regular Price $5.49
-$3.00 Beauty Club EB
*Earned $6.00 EB for each
Final Price + Tax = .90 Money Maker Each!!
(Marked $3.00 Each for rummage sale)
*ETA - Sold 2 for $3.00 each on FB on 2/18/18
*ETA - Sold 1 for $3.00 on FB on 5/6/18

Colgate 2-in-1 Toothpaste and Mouthwash
Regular Price $4.99
-$2.00 Sale Price
*Earned $2.00 EB
Final Price + Tax = $1.18
(Marked $2.50 for rummage sale)

Suave Professionals Shampoo and Conditioner (Bought 3)
Regular Price $4.29 each
-$3.22 Clearance Price Each
Final Price + Tax = $1.14 Each
(Marked $2.00 Each for rummage sale)

CVS Brand Antibacterial Wipes
Regular Price $2.99
-$2.25 Clearance Price
Final Price + Tax = .79
(Marked $2.00 for rummage sale)

OGX Conditioner
Regular Price $8.29
-$6.22 Clearance Price
-$2.07 CVS Coupon Machine Coupon ($3.00 off OGX)
Final Price = Free!!
(Marked $4.00 for rummage sale)

Giftcard Inventory

December 30th, 2017 at 05:58 pm

We usually get giftcards from MO's employer for Christmas, but they didn't do giftcards this year, so no Visa or MasterCard GCs. But we still have a very large balance. The ones for restaurants go quickly in the summer time when we have softball. Menards and CVS are always revolving balances for resell items. Medora is a tourist town and MO won a giftcard there that we can use on food, hotel, entertainment, souvenirs, etc. So we will try to plan a weekend vaca there this summer.

Applebees $2.00
Applebees $25.00
Applebees $25.00
Applebees $25.00
Applebees $25.00
Applebees $25.00
Applebees $25.00
Buffalo Wild Wings $25.00
Buffalo Wild Wings $25.00
Buffalo Wild Wings $25.00
CVS $5.00
CVS $10.00
CVS $10.00
CVS $40.15
Discover Cashback Rewards $503.95
JCPenney $9.24
Kohls $25.00
Massage $50.00
McDonalds $100.00
Medora $1000.00
Menards $23.39
Menards $29.79
Menards $50.00
Menards $102.73
Menards $111.48
Menards $299.68
Outback Steakhouse $25.00
Outback Steakhouse $50.00
Papa Johns $10.00
Papa Johns $10.00
Red Lobster $50.00
Scheels $15.00
Scheels $25.00
Scheels $25.00
Starbucks $3.72
Target $5.00
Target $16.00
Texas Roadhouse $50.00
TGIFridays $25.00
Total $2907.13

2018 Goals

December 30th, 2017 at 03:49 pm

It's hard to do a lot of detailed planning for 2018 because we will be having medical bills and we don't know exactly how much those will be, and we also have a renter moving out as of Feb 1st and no new tenant lined up yet. Also since we know we have medical bills coming up we changed our medical plan for 2018 to a more expensive plan, and also started contributing to our HSA again, so my take home pay will be less, but it should be the best for us in the long run to keep bills manageable.

But for now we can at least see where we will be with the minimum payments on our debts and other personal goals.


2018 Goals

Savings
-Pay in cash for Vegas trip
-Keep savings at/above $5K by end of year

Debt
-Mom Loan #2 (From $17,327.47 to $10,410.84)
-Store Loan (From $7,116.12 to $4,078.11)
-Rental #1 Mortgage (From $149,980.00 to $146,380.00)
-Rental #2 Mortgage (From $83,740.75 to $81,520.75)
-Our House (From $246,688.21 to $241,855.85)
-STRETCH GOAL Total Debt Balance down to $474K or less. That would be if things go well and we could payoff the Mom Loan. That would put us down $30,852.55 for the year (Currently at $504,852.55).

Retirement
-Continue contributing 6% to 401K
-Research and review allocations of ROTH and make appropriate adjustments

Health
-Be positive and thankful for what I have
-Lose 50lbs

Home Improvements and Rental Updates
-Complete minor repairs at Rental #1 (hole in wall)
-Plant bigger/better garden at new house

How did we do on 2017 Goals?

December 30th, 2017 at 03:42 pm

Here is our 2017 Goals and how we did on them. Our savings went up $8620.00, and our debt went down $20,792.19. That's almost a $30K swing in the right direction! We also did a lot of updates to Rental #2 including a brand new deck, which we paid for in cash ($3K+).
If we didn't have so many unknowns in 2018 we could have been more aggressive with the debt paydown, but I think it's best to be safe for now.

2017 Goals

Savings
-Pay in cash for trip to Laughlin -Goal Met!
-Pay in cash for Vegas trip for SIL 21st BD -Goal Met!
-Keep savings at/above $5K by end of year -Goal Met! Currently at $16,935!

Debt
-Payoff Mom Loan #2 (Current balance $24,107.25 with $900 in separate savings account to pay it off) - We do have enough in savings to payoff the Mom Loan right now, but since we are going to have a lot of medical bills in 2018, and right now we have a renter moving out on Feb 1 and no one set up to move in yet, we are waiting till things are more secure before we drain savings.
-Store Loan (From $10,094.05 to $7,116.12) - Goal Met!
-Rental #1 Mortgage (From $154,200.00 to $149,990.00) -Goal Met!
-Rental #2 Mortgage (From $85,917.82 to $83,800.00) -Goal Met!
-Our House (From $251,325.62 to $246,688.21) -Goal Met!
-STRETCH GOAL Total Debt Balance down to $490K or less. That is down $35,933.12 for the year (Currently at $525,933.12) - If we drained savings to payoff the Mom Loan we would meet and exceed the stretch goal, but for now we just need to sit tight to see what 2018 will bring for medical bills and renters.

Retirement
-Continue contributing 6% to 401K - Goal Met!
-Research and review allocations of ROTH and make appropriate adjustments - Didn't do this at all - FAIL

Health
-Be positive and thankful for what I have -Still working on this mindset
-Lose 50lbs before Vegas Trip (July 2017) - I did lose 20 before we went to Vegas, but since then gained back about 10

Home Improvements and Rental Updates
-Complete minor repairs at Rental #1 (hole in wall) - Not done, but since our renter is moving out we should be able to get this done soon
-Complete minor repairs at Rental #2 (porch step, landscaping) - Done as well as new deck
-Plant bigger/better garden at new house - I didn't get any garden planted at all this year

$20K Update

December 30th, 2017 at 12:26 pm

Current Balance $16,775.00
+$35.00 FB Sales
+$50.00 My Payday to Our Savings
+$75.00 My Payday to Mom Loan Savings
Balance $16,935.00

Local Savings $5870.00
GC Savings $1025.00
Capital 360 Savings (US) $4320.00
Capital 360 Savings (Mom Loan Payback Account)$2955.00
Capital 360 Savings (Rental Deposit Account #1)$1265.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $16,935.00

52 Week Challenge
2018 Total = $45 (Week 1-9)

FB Sales Week of 12/25/17

December 30th, 2017 at 12:06 pm

I'm logging sales a few days early this week as I am planning on work OT for holiday pay on January 1st for some extra money. We had a couple sales that were picked up at my Moms house. Sales for the week were $68.00!!

Sale #820(SH) $11.00
Chapstick Brand Holiday Packs - We paid $1.33
Sold for $3.00
Profit = $1.67

Christmas Emoji Blankets (2) - We paid .94 each
Sold for $4.00 each
Profit = $6.12

Sale #821 (JF) $32.00
Christmas Emoji Blankets - We paid .94 each
Sold for $4.00 each
Profit = $3.06

Frozen Waffle Maker - We paid $7.98
Sold for $15.00
Profit = $7.02

Crest Toothbrush Packs - We paid $1.32
Sold for $3.00
Profit = $1.68

Toy Shopping Cart - Free Curbside Find!
Sold for $10.00
Profit = $10.00

Sale #822 (SS) $6.00
Bath and Body Shower Gel - We paid $4.74
Sold for $6.00 each
Profit = $1.26

Sale #823 (AK) $12.00
Baby Converse Sneakers - We paid $4.53
Sold for $12.00
Profit = $7.47

Sale #824 (DA) $7.00
Old Navy PJ Pants (Me) - I paid $2.13
Sold for $7.00
Profit = $4.87



Ahh Baby Converse!

December 30th, 2017 at 10:24 am

I still need to use some of my Wellness money from work ($200 per year) so I stopped at Famous Footwear to pick up some tennis shoes I had ordered online from them for in store pickup, and of course I checked the clearance area and found this adorable Baby Converse! On clearance for only $5.00!! Plus I had a 15% coupon, making them only $4.53 after tax! I already sold them for $12.00!! Now I think I should have maybe priced them higher, but still a great profit and quick turnaround!



Baby Converse
Regular Price $35.00
-$30.00 Clearance Price
-.75 Coupon for 15% off
Final Price + Tax = $4.53
*ETA - Sold for $12.00 on FB on 12/25/17
Profit = $7.47

Awesome McDonalds Giftcard Deal!!

December 29th, 2017 at 04:23 pm

McDonalds has this awesome deal right now! Buy $100 in McDonalds Arch Giftcards and get this punchcard free!! You get a Big Mac or Breakfast Sandwich free every week all year! That’s like $300+ in free food! Sweet!!!

Debt Update - 12/22/17

December 29th, 2017 at 02:23 pm

A week late in posting, but here is our latest update!

$1014.43 paid off in the last 2 weeks!!!

Celebrations for this update:
-$1014.43 paid off in the last 2 weeks!
-My Mortgage went under the next $1000 mark and under $150
-Our Mortgage went under the next $1000 mark!
-Total Debt 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 $7,116.12
Mom Loan #2 $17,327.47
MO Mortgage $83,740.75
My Mortgage $149,980.00
Our Mortgage $246,688.21
Total = $504,852.55

Down $1014.43 in the last 2 weeks!!

Starting total was $587,351.27
$82,498.72 paid off since 6/19/15 (including downpayment on house)!!!!!

We have $2880 in a savings account to pay off the Mom Loan, so the amount we still owe that is $14,447.47.

CVS Clearance Shampoo/Conditioner Deals

December 29th, 2017 at 01:55 pm

CVS is clearancing out a lot of their shampoo/conditioners right now and we had some good coupons to get them very close to free!! Unfortunately some of them didn't have matching pairs, but for this cheap still good deals!


Herbal Essences Bio-Renew (Bought 11)(Not pictured)
Regular Price $6.99
-$3.50 Clearance Price Each
-$6.00 off two HE CVS Coupon App
Final Price + Tax = .72 each!!
(Marked $3.00-$3.50 each for rummage sale)
*ETA - Sold 2 for $3.50 each on FB on 12/2/18
*ETA - Sold 2 for $3.00 each on FB on 1/20/19

OGX Shampoo/Conditioner (Bought 30)
Regular Price $8.29
-$6.22 Clearance Price Each
-$2.00 CVS Coupon Machine Coupon
-$5.00 Pharmacy EB Reward
-$3.00 Beauty Club EB Reward
Final Price + Tax = $1.79 Each!!!
(Marked $4.00 each for rummage sale)
*ETA - Sold 4 for $4.00 each on FB on 7/30/18
*ETA - Sold 2 for $4.00 each on FB on 8/5/18
*ETA - Gave 2 to my Step-MIL
*ETA - Sold 2 for $4.00 each on FB on 12/9/18
*ETA - Sold 12 for $4.00 each on FB on 12/30/18
*ETA - Sold 2 for $3.00 each on FB on 1/20/19
*ETA - Sold 2 for $4.00 each on FB on 2/3/19

Whole Blends Leave-In Conditioner (Bought 6)
Regular Price $7.49
-$5.62 Clearance Price Each
Final Price + Tax = $1.99 Each!
(Marked $4.00 each for rummage sale)
*ETA - Sold 1 for $4.00 on FB on 12/31/17
*ETA - Sold 1 for $4.00 on FB on 1/7/18
*ETA - Sold 1 for $4.00 on FB on 1/14/18
*ETA - Sold 1 for $4.00 on FB on 12/16/18
*ETA - Sold 1 for $4.00 on FB on 2/25/19

Herbal Essences 23oz (Bought 2)
Regular Price $6.59
-$3.30 Clearance Price Each
-$3.29 BOGO Free Coupon
Final Price + Tax = $1.75 Each!!
(Keeping these)

Selsun Blue (Bought 3)
Regular Price $9.79 Each
-$7.35 Clearance Price Each
Final Price + Tax = $2.60 Each
(Keeping these)

Aussie Shampoo (Bought 1)
Regular Price $4.29
-$2.14 Clearance Price
Final Price + Tax = $2.28
(Keeping these)


$20K Update - My first Ebates Check!

December 26th, 2017 at 10:03 am

I got my first Ebates check and put it into savings. I also moved our Weekly Challenge money over to savings. We will start the 2018 Challenge right away!

Current Balance $15,305.00
+$50.00 FB Sales
+$19.15 Ebates
+.85 Even Out Amount
+$1400.00 2017 Weekly Challenge
Balance $16,775.00

Local Savings $5835.00
GC Savings $1025.00
Capital 360 Savings (US) $4270.00
Capital 360 Savings (Mom Loan Payback Account)$2880.00
Capital 360 Savings (Rental Deposit Account #1)$1265.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $16,775.00

52 Week Challenge
2018 Total = $0

FB Sales Week of 12/17/17

December 26th, 2017 at 09:56 am

I didn't push a lot of sales this week with the busyness of Christmas and also we have two family members in the hospital, but I did have few items picked up and one person came and shopped for last minute gifts. Total sales were $77.00!!

Sale #816 (KB) $7.00

Old Navy PJ Pants (Me) - I paid $2.13 each
Sold for $7.00
Profit = $4.87

Sale #817 (AA) $18.00
Old Navy PJ Pants (3) (Me) - I paid $2.13 each
Sold for $6.00 each
Profit = $11.61

Sale #818 (JSM) $12.00
Conair Hair Dryer - We paid $5.65
Sold for $12.00
Profit = $6.35

Sale #819 (HL) $40.00
Christmas Cookie Cutters - We paid .51
Sold for $2.00
Profit = $1.49

Girls Red Lace Headband - We paid .11
Sold for $1.00
Profit = $.89

Finding Dory Creativity Set - We paid $5.81
Sold for $12.00
Profit = $6.19

GUM Toobrush 2pk - We paid $.41
Sold for $2.50
Profit = $2.09

Sally Hansen Sugar Shimmer Nail Polish (Me) - I paid $1.49
Sold for $2.50
Profit = $1.01

Sally Hansen Xtreme Nail Polish (Me) - I paid $.82
Sold for $2.50
Profit = $1.68

Colgate Spin Brush (2) - We paid $1.59 each
Sold for $5.00 each
Profit = $6.82