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Archive for January, 2019

Making Progress on the Never Ending To Do List

January 28th, 2019 at 02:08 pm

I keep a "Never Ending To Do List" that I am always updating and working on. It helps me with getting things done that are getting put off, because eventually they will be the oldest thing on the list, and I want to make sure that oldest item gets done!

Going through my bathroom cupboards was the oldest thing on my list, I put it on there way back on 7/9/18! It's finally done and I got sooooo much stuff out of there, and even made some money selling some items out of there!

Tossed - 166
Recycled - 56
Donated - 93
Sold - 185
Total = 500!!!!

I've made $37 so far selling items that I didn't need and added two items to my rummage sale inventory.

The donated items were mostly small toiletries items that I donated to those little neighborhood pantries, I also donated a pair of my old glasses. I usually do that whenever I get a new paid, but I had missed one in the mess.

I also sold a lot of the toiletries in batches, we get a lot of them from going on casino trips.






I forgot to take a before pic of the second cupboard but it was a mess! There is also a 3rd one that is all cleaned out of.

So happy to have these nice cleaned out cupboards and finally be organized in there. Smile

On to the next item on the list!

$20K Update

January 28th, 2019 at 01:40 pm

Current Balance $14,115.00
+$125.00 FB Sales
+$30.00 Phone Savings
+$50.00 My Payday to Our Savings (1/25)
+$75.00 My Payday to Mom Loan Savings (1/25)
Balance $14,395.00

Local Savings $6875.00
GC Savings $745.00
Capital 360 Savings (US) $3200.00
Capital 360 Savings (Mom Loan Payback Account)$1225.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $14,395.00

52 Week Challenge
2019 Total = $190 (Weeks 1-19 are paid)

FB Sales Week of 1/20/19

January 28th, 2019 at 11:05 am

Sales this week were really good, total sales were $233.00, including a $100 item!


Sale #1123 (DC) $62.50
Pantene Shampoo/Conditioner (4)(Joint with my Mom) - We made a profit of $1.14 each when buying
Sold for $2.50 each
Profit = $14.56

Old Spice Body Wash (Me) - I paid $2.15
Sold for $3.00
Profit = $.85

CVS Wipes (2) (Joint with my Mom) - Free
Sold for $1.00 each
Profit = $2.00

OGX Shampoo (2) (Joint with my Mom) - We paid $1.79 each
Sold for $3.00 each (Normally mark for $4.00, but these did not have conditioner matches, so I lowered the price to get them sold)
Profit = $2.42

Irish Spring Body Wash (Joint with my Mom) - We paid $1.54
Sold for $3.00
Profit = $1.46

Mens Dial Body Wash (Joint with my Mom) - We paid $3.80 (I had messed up on this deal when I purchased it)
Sold for $3.00
Loss = .80

Old Spice Deodorant Gift Set (Joint with my Mom) - We paid $1.31
Sold for $4.00
Profit = $2.69

Old Spice 2-in-1 Shampoo/Conditioner (Joint with my Mom) - We paid $.79
Sold for $3.00
Profit = $2.21

Herbal Essences Bio-Renew Shampoo/Conditioner (Joint with my Mom) - We paid .72 each
Sold for $3.00 each
Profit = $4.56

Softsoap Body Wash (2) (Me) - I paid $1.11 each
Sold for $3.00
Profit = $3.78

Nivea Kiss of Color Lipbalm (Joint with my Mom) - We paid $1.32
Sold for $2.50
Profit = $1.18

Nivea Kiss of Mint Lipbalm (Joint with my Mom) - Free attached to Nivea Lotions
Sold for $2.00
Profit = $2.00

Axe Giftset (Joint with my FIL) - We paid $2.65
Sold for $8.00
Profit = $5.35

For my Mom: Venus Razor $4.00

Sale #1124 (DH) $10.00
Victoria Secret Clutch (Joint with my Mom) - We paid $2.00
Sold for $10.00 each
Profit = $8.00

Sale #1125 (JC) $15.50
3pc Peeler Set(Joint with my FIL) - We paid $1.07
Sold for $4.00 each
Profit = $3.93

Claire's Ear Care Solution (Me) - From bathroom cleanout
Sold for $4.00
Profit = $4.00

Crest Toothpaste (3)(Joint with my Mom) - We paid $0
Sold 2 for $2.50
Gave 1 away because it was expired
Profit = $5.00

Colgate Toothpaste(Joint with my Mom) - We paid $.72
Sold for $2.50
Profit = $1.78

Sale #1126 (LS) $40.00
Farberware Pressure Cooker 6qt(Joint with my FIL) - We paid $15.98
Sold for $40.00 each
Profit = $24.02

Sale #1127 (LQ) $100.00
Tasty 30pc Kitchen Set(Joint with my FIL) - We paid $63.28
Sold for $100.00
Profit = $36.72

Sale #1128 (NRM) $5.00
Reed Diffuser - I got this for Christmas, but I don't like the scent
Sold for $5.00
Profit = $5.00

More Walmart Deals with FIL

January 26th, 2019 at 11:50 am

I sold a few things from this lot already, just hadn't had time to get them posted yet.



Black and Decker Blender (Bought 1)
Regular Price $? each
Our Price + Tax = $9.59 each
(Marked $20.00 for rummage sale)

Doc McStuffins Nursery (Bought 2)
Regular Price $91.67 each
Our Price + Tax = $30.89 each
(Marked $60.00 for rummage sale)

Farberware Pressure Cooker 6qt (Bought 1)(Not pictured)
Regular Price $73.16 each
Our Price + Tax = $15.98 each
(Marked $40.00 for rummage sale)
*ETA - Sold 1 for $40.00 on FB on 1/20/19
Profit = $24.02

Girls Fruit of the Loom 6pk Socks (Bought 1) (Not pictured)
Regular Price $5.36 each
Our Price + Tax = $1.60 each
(Marked $4.00 for rummage sale)
*ETA - Sold for $4.00 on FB on 3/25/19
Profit = $2.40

NDSU Binder (Bought 1)
Regular Price $? each
Our Price + Tax = $1.07 each
(Marked $4.00 for rummage sale)

MN Vikings Gear

January 26th, 2019 at 11:34 am

I got a great deal on these pullovers from lids.com. I like to check them out every once in awhile and see if they have any good clearance items.
These were new for $60.50 and I got them on clearance for $11.96! Plus free shipping! These will sell awesome next football season!



Vikings Pullover (Bought 6)
Regular Price $60.50 each
Clearance to $11.96 each
Final Price + Tax = $12.74 each
(Marked $30.00 each for rummage sale)

Giftcard Inventory

January 21st, 2019 at 09:27 am

Wow our giftcard balance is crazy! We used several since last year and still the total went up $600 since last January. I really want to get some of these used up, I hate to think of losing any from getting lost, stolen or destroyed. I do have them all together for safe keeping.

I have a day off next week to have a bunch of apts, including a massage so that will use a $60 massage giftcard. I also plan on going shopping that day in between my apts and possibly using up the JCP, Target and Kohls cards, as well as picking up dinner somewhere that we have a giftcard for.

The Visa cards expire in June, we had planned to use those for car seats for the twins. Now we are going to use those to pay the deductible for the truck repair, and maybe also for our rental car when we go to Laughlin in March.

The Scheels cards are MO's and he has been saving those up to get a new gun.

Anheuser-Busch Rebate Card $15.00
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
Chili’s $50.00
Cracker Barrel $10.00
Discover Cashback Rewards $963.13
Famous Dave’s $30.00
Hobby Lobby $25.00
JCPenney $9.24
Jimmy Johns $30.00
Kohls $25.00
Landry’s Restaurants $32.00
Massage $50.00
Massage $60.00
Medora $100.00
Medora $1000.00
Olive Garden $10.00
Olive Garden $10.00
Olive Garden $10.00
Outback Steakhouse $25.00
Outback Steakhouse $50.00
Papa Johns $10.00
Papa Johns $10.00
Pizza Ranch $12.00
Scheels $5.00
Scheels $25.00
Scheels $25.00
Scheels $25.00
Scheels $25.00
Scheels $25.00
Scheels $25.00
Scheels $25.00
Scheels $25.00
Scheels $75.00
Seize the Deal (Doggie Daycare) $75.00
Starbucks $10.00
Target $5.00
Texas Roadhouse $25.00
Texas Roadhouse $50.00
TGIFridays $25.00
Visa $25.00
Visa $100.00
Visa $100.00
Visa $100.00
Total $3558.37

$20K Update

January 21st, 2019 at 09:09 am

I had to transfer $300 from savings to checking from going out (we have had some awesome friends that are trying to get us out of the house more and trying to get back some normalcy) and to cover the Discover bill. Should be able to make that back up next payday.

Normally we have taxes filed by now, but we haven't received a Social Security Card or birth certificate for Ember yet, or death certificates for either of the twins yet. We were supposed to receive them within a few weeks, but it's been over 2 months and nothing has come yet. MO tried called the SS office many times already but after hrs of hold he has yet to get ahold of anyone. So we will have to drive over an hr away to the nearest office to try to get their info so we can file our taxes. Terrible that we have to go through that with all the emotions already.

Current Balance $14,345.00
+$20.00 FB Sales
+$50.00 MO Payday to Our Savings (1/18)
-$300.00 Temp transfer to checking to cover going out and Discover bill
Balance $14,115.00

Local Savings $6750.00
GC Savings $715.00
Capital 360 Savings (US) $3150.00
Capital 360 Savings (Mom Loan Payback Account)$1150.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $14,115.00

52 Week Challenge
2019 Total = $190 (Weeks 1-19 are paid)

FB Sales Week of 1/13/19

January 21st, 2019 at 08:47 am

I still have a lot of items that need to be picked up, the weather here has been terribly cold and lots of snow so people aren't out and about as much as usual. Hopefully people can get in here soon.

Sale #1121 (AN) $6.00
NDSU Binder (Joint with my FIL) - We paid $1.07
Sold for $4.00
Profit = $2.93

NDSU Pencils (Joint with my FIL) - We paid $.80
Sold for $2.00
Profit = $1.20

Sale #1122 (KL) $30.00
Magic Bullet (Joint with my FIL) - We paid $21.36
Sold for $30.00
Profit = $8.64

Debt Update as of 1/18/19

January 21st, 2019 at 08:35 am

So glad the blogs are back up!


$1069.91 paid off in the last 2 weeks!!!

Celebrations for this update:
-$1069.91 paid off in the last 2 weeks!!
-Total Debt went under the next $1000 mark for the 5th update in a row!!


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 $3,841.89
Mom Loan #2/#3 $36,001.96
MO Mortgage $81,210.00
My Mortgage $145,200.00
Our Mortgage $241,444.10
Total = $507,697.95

Down $1069.91 in the last two weeks!

Starting total was $613,351.27
$105,653.32 paid off since 6/19/15 (including downpayment on house and adding new truck loan)!!!!!

$20K Update

January 14th, 2019 at 11:23 am

Current Balance $14,165.00
+$30.00 FB Sales
+$50.00 My Payday to Our Savings (1/11)
+$75.00 My Payday to Mom Loan Savings (1/11)
+$23.25 Checkout51 Rebate Check
+$1.75 Even Out Amount
Balance $14,345.00

Local Savings $7030.00
GC Savings $715.00
Capital 360 Savings (US) $3100.00
Capital 360 Savings (Mom Loan Payback Account)$1150.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $14,345.00

52 Week Challenge
2019 Total = $190 (Weeks 1-19 are paid)

FB Sales Week of 1/6/19

January 14th, 2019 at 08:40 am

Sales were a bit slower this week, but still good extra $$!! I do have a lot of orders that need to be picked up. Moving new and old inventory which is nice! I've also been working on an inventory spreadsheet so I can see what my oldest items are and get them moving or donated.

Total sales were $43.00.

Sale #1117 (LS) $8.00
Girls Athletica Tennies (Joint with my FIL) - We paid $3.20
Sold for $8.00
Profit = $4.80

Sale #1118 (DI) $10.00
Steam Iron (Cleaning out house)
Sold for $10.00
Profit = $10.00

Sale #1119 (SSB) $5.00
Ivory Free and Gentle Body Wash - I paid $2.64
Sold for $5.00
Profit = $2.36

Sale #1120 (KD) $20.00
Pantene Shampoo and Conditioner (8) (Joint with my Mom) - We made $1.14 each when purchasing!!
Sold for $2.50 each
Profit = $29.12

Hit a deer (again) and hubby grabs some after Christmas deals

January 10th, 2019 at 11:21 am

Coming home from one of our family Christmas celebrations we hit (well actually we were hit by) a deer. It was just a grazing blow from the deer hitting the front driver side corner and also along the door. No major damage and there wasn't even any blood, so I think the deer actually survived as it just kept running after the impact. Of course it was on our new truck, which we only bought so we would have enough room for the twins and the dogs, or we wouldn't even have such a nice vehicle.....we had taken it down to town since we were going to Christmas and were bringing down presents and the dogs...etc. So anyways the truck is in the shop to get fixed...even that little bit of damage is almost $5000 in repairs. Our deductible for hitting a deer is only $250 thank goodness, but still stinks as we had just hit a deer in a different vehicle, on a different road back in Aug-Sept, and at that time it had totaled out our Jeep. We really watch for those buggers but they seem to be everywhere....neither MO or I had ever hit a deer till we started dating. Then I hit 1 in 2015ish and MO hit 2 in 2018. Hopefully we are done with that now!

When MO took the truck back to town to get it into the shop his Dad had to bring him back, so they had lunch together and then stopped into Walmart and grabbed some after Christmas deals for me! Since they picked them up together I will split with FIL. Some items to keep till next Christmas and some to resell now.



Axe Gift Set (Bought 1)
Regular Price $9.88
Our Price + Tax = $2.65
(I may open this up and sell in pieces or I may sell as a pack)
*ETA - Sold for $8.00 on FB on 1/20/19
Profit = $5.35

Color and Activity Books (Bought 35)
Regular Price $4.74 Each
Our Price + Tax = $1.27
(Marked $3.00 each for rummage sale)

Kids Holiday Water Bottles (Bought 31)
Regular Price .98
Our Price + Tax = $.26
(Marked $1.00 each for rummage sale)
*ETA - Sold 1 for $1.00 on FB on 1/27/19

Llama Beanie (Bought 1)
Regular Price $6.97
Our Price + Tax = $1.87
(Marked $4.00 for rummage sale)
*ETA - Sold for $4.00 on FB on 1/27/19
Profit= $2.13

Points of Light Projector (Bought 10, not pictured)
Regular Price $24.88
Our Price + Tax = $6.67 Each
(Marked $15.00 each for rummage sale)

Projection Plus Whirl-A-Motion + Static 2in1 Projector (Bought 6)
Regular Price $18.88 Each
Our Price + Tax = $5.06 Each
(Marked $10.00 each for rummage sale)

Smile Sets (Bought 12)
Regular Price $4.88 Each
Our Price + Tax = $1.31 Each
(Marked $3.00 each for rummage sale)
*ETA - Sold 2 for $3.00 each on FB on 1/27/19
*ETA - Sold 4 for $3.00 each on FB on 2/10/19

Soap and Scrub 4pc Bath Sets (Bought 2)
Regular Price $4.88 Each
Our Price + Tax = $1.31 Each
(Marked $3.00 each for rummage sale)

Famous Footwear BOGO 50% Clearance Sale

January 8th, 2019 at 02:19 pm

Famous Footwear was having a BOGO 50% off sale on their clearance. I was hoping to find a lot of good deals, but there really wasn't much there that was in the price range I like. I find so many good deals there most of the time that I hate to pay more then $5 a pair. We did find two pairs of shoes for hubby and then I got these 2 for selling.



Circus by Sam Edelman Tan Sandals
Regular Price $54.99
Clearance to $10.00
Final Price + Tax = $10.70
(Marked $25.00 for rummage sale)
*ETA - Sold for $25.00 on FB on 3/31/19
Profit = $14.30

Steve Madden Smiley Face Sandals
Regular Price $34.99
Clearance to $5.00
-$2.50 BOGO 50% off Sale
Final Price + Tax = $2.61
(Marked $15.00 for rummage sale)
*ETA - Sold for $15.00 on FB on 4/7/19
Profit = $12.39

As of 4/7/19 I have sold both pairs and made $26.69 profit!!

Quick CVS Grabs

January 8th, 2019 at 11:13 am

I haven't been to CVS in months but I stopped in and scanned my extra care cards. I got a few good coupons and grabbed a few body washes.



Ivory Free and Gentle Body Wash (Bought 1)
Regular Price $6.49
-$1.72 Sale Price
-$.76 $2.00 off $6 Body Wash
Final Price + Tax = $2.64
(Marked $5.00 each for rummage sale)
*ETA - Sold for $5.00 on FB on 1/6/19
Profit = $2.36

Old Spice Body Wash (Bought 2)
Regular Price $5.29
-$2.65 50% Off Clearance Each
-$1.24 $2.00 off $6 Body Wash
Final Price + Tax = $2.15 Each
(Marked $3.00 each for rummage sale)
*ETA - Sold 1 for $3.00 on FB on 1/20/19

$20K Update - Rent and Casino Win! Hit $14K!

January 8th, 2019 at 07:39 am

We got rent for January and also added in FB sales. MO also won big at the casino and we came home $700 ahead! We put $500 of it into savings, $100 into the 52 Week Challenge and $50 each for fun money. We are already paid into May for the 52 Week Challenge!

Current Balance $13,045.00
+$95.00 FB Sales
+$400.00 January Rent
+$500.00 Casino Win
Balance $14,165.00

Local Savings $6975.00
GC Savings $715.00
Capital 360 Savings (US) $3050.00
Capital 360 Savings (Mom Loan Payback Account)$1075.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $14,165.00

52 Week Challenge
2019 Total = $190 (Weeks 1-19 are paid)

FB Sales Week of 12/30/18

January 7th, 2019 at 10:12 am

FB Sales for the week were $185.50!! That was 49 items sold!!


Sale #1105 (CB) $6.00
Plunge Chopper (Joint with my FIL) - We paid $3.20
Sold for $6.00 each
Profit = $2.80

Sale #1106 (DI) $6.00
Plunge Chopper (Joint with my FIL) - We paid $3.20
Sold for $6.00 each
Profit = $2.80

Sale #1107 (FMO) $4.00
Scented Crayons (Joint with my FIL) - We paid $2.66
Sold for $4.00 each
Profit = $1.34

Sale #1108 (DM) $20.00
NDSU Plastic Cups (10) (Joint with my FIL) - We paid .11 each
Sold for 2 sets of 5 cups for $4 per set
Profit = $6.90

NDSU Lanyards (3) (Joint with my FIL) - We paid $1.07 for 2 and one didn't get rang up so it was free
Sold for $4.00 each
Profit = $9.86

Sale #1109 (RD) $10.00
NDSU Pom Poms (5) (Joint with my FIL) - We paid .80 each
Sold for $2.00 each
Profit = $6.00

Sale #1110 (DH) $16.00
NDSU Stainless Steel Tumblers (2) - (Joint with my FIL) - We paid $3.22 each
Sold for $8.00 each
Profit = $9.56

Sale #1111 (JB) $16.00
NDSU Stainless Steel Tumblers (2) - (Joint with my FIL) - We paid $3.22 each
Sold for $8.00 each
Profit = $9.56

Sale #1112 (MG) $14.00
Girls Athletica Tennies(Joint with my FIL) - We paid $3.20 each
Sold for $8.00 each
Profit = $4.80

Pioneer Woman Kitchen Handtowel Set(Joint with my Mom) - We paid $.63
Sold for $4.00
Profit = $3.37

Nugg Face Mask (Joint with my Mom - We paid $.70
Sold for $2.00
Profit = $1.30

Sale #1113 (JC) $27.50
EOS Single Pack Lip Balm (Joint with my Mom) - We paid $1.05 each
Sold for $2.50 each
Profit = $1.45

EOS Lip Balm 3pk(Joint with my Mom) - We paid $3.27 each
Sold for $7.00 each
Profit = $3.73

Chapstick Brand Holiday 3pk (Joint with my Mom) - We paid $1.33 each
Sold for $3.00 each
Profit = $1.67

Sterilite 2 Drawer (Joint with my FIL) - We paid $5.33
Sold for $15.00 each
Profit = $9.67

Sale #1114 (KW) $10.00
Pantene Shampoo and Conditioner (4) (Joint with my Mom) - We paid $1.01 each
Sold for $2.50 each
Profit = $5.96

Sale #1115 (CC) $12.00
Conair Hair Dryer (Joint with my Mom) - We paid $5.65
Sold for $12.00 each
Profit = $6.35

Sale #1116 (AH) $48.00
OGX Shampoo and Conditioner (12) (Joint with my Mom) - We paid $1.79 each
Sold for $4.00 each
Profit = $26.52

2019 Goals

January 7th, 2019 at 07:28 am

We are keeping it really simple this year for goals. Keep breathing, pay minimums on our current debts, and don't accrue any new debt (with our HSA fund pretty depleted we need to make sure we aren't acquiring any medical debt).

2019 Goals

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

Debt
-Store Loan (From $4,078.11 to $978.74)
-Mom Loan #3 (From $36,541.06 to $30,012.24)
-Rental #1 Mortgage (From $81,458.91 to $79,178.91)
-Rental #2 Mortgage (From $145,550.00 to $141,550.00)
-Our House (From $241,855.85 to $236,820.33)
-STRETCH GOAL - No stretch goal this year. We just really need to focus on savings and staying out of new debt rather then paying extras on existing debt. I am excited that in 2020 the Store Loan will be paid off and then we can snowball that payment onto something else, but for now we will just keep trucking along. Total debt will go from $509,425.02 to $488,540.22, for a total debt reduction of $20,884.80.

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 40lbs by Laughlin trip in March (Currently down 22lbs)

Home Improvements and Rental Updates
-Pour cement patio at Rental #1
-Plant bigger/better garden at new house
-Get front and back yard under control