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Archive for March, 2019

2019 Goal Progress - Quarter #1

March 29th, 2019 at 01:57 pm

Goals for 2019 are going good so far.

Savings Goals for 2019:
*Pay in cash for vacation to Laughlin - Goal Met
*Pay medical bills as they come and don't take on any new debt for medical - As of now goal met.
*Still have total savings at/above $5000 at the end of the year (Currently at $16,800)

I've also acquired a lot more inventory for my selling which I look at as a type of savings account too. Most items I get I sell within a month or two at most (unless they are seasonal/holiday, in which case they would be held till the next year), but obviously there are some items that take longer to sell, especially if I have a lot of them, and I typically always buy multiples of items if it is an option. This week I sold 30+ items that I just got, so within a week they were sold, but I also sold 3 items that I got in 2014! So it's a constant stream of income and though I don't want items to sit, the more items I have stocked, the more future income I have as well.

Debt Goals for 2019 were just to make minimum payment and not accrue any new debt since we are dealing with all the medical issues. We are exceeding that already, so far for 2019 we have paid $490.37 in extra principle payments to mortgages.

I also had a health goal to lose 40lbs this year, I am currently down 27lbs. Would like to be down 30lbs by the time we go to Vegas in May. Going on vaca and being sick for over 3 weeks now have definitely killed my weightloss and exercise. I did go to the Dr. yesterday finally and got meds so hopefully I will be better soon and can get back to working out.

We also have yard and home maintenance goals for this year, we haven't started on those yet due to weather. But we have started making plans.

Debt Update - 3/29/19

March 29th, 2019 at 01:10 pm

Not a very exciting update, with how dates lined up we only had payments on our smallest mortgage and the store loan this time. Next update will be great!

Celebrations for this update:
-$265.48 paid off in the last 2 weeks!!

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 $3,249.74
Mom Loan #2/#3 $34,921.06
MO Mortgage $80,493.13
My Mortgage $144,450.00
Our Mortgage $240,616.34
Total = $503,730.27

Down $265.48 in the last two weeks!

Starting total was $613,351.27
$109,621.00 paid off since 6/19/15 (including downpayment on house and adding new truck loan)!!!!!

Saving Money on Medical Bills

March 29th, 2019 at 12:39 pm

MO and I have a lot of medical expenses. I have a nice little system in place to save money on medical bills.

First: I have an HSA so the money we use to pay the medical bills is tax free and comes right out of my paycheck, so we never miss it.

Second: I pay my medical bills right away to avoid any fees, and also my main provider offers a prompt pay discount of 10% on many services if you pay in the first billing period.

Third: I pay the bill with my Discover Card to get 1% back, and then just reimburse myself (for free) from my HSA.

So the last bill we got for MO was $276.88.
I called and paid right away (Saved $27.69 (10%) with the prompt pay discount).
I used my Discover to pay it (Earned $2.77 (1%) in Cashback Rewards).
And then reimbursed myself with the tax free funds in the HSA (I am not sure how to calculate the tax savings?)
That equals $30.46 + Tax Free Savings, just on this one bill, and we didn't even need to do anything other then pay smart to get those savings!

The 1% back doesn't seem like a lot, but our Cashback Bonus is now over $1000 and that is free money, just for using our Discover Card when we pay for things we were going to buy anyways!

Hope those tips help anyone with medical bills!

Awesome Returns on Ozark Chair Sales!

March 28th, 2019 at 08:27 am

My FSIL picked these up for us to sell. We originally had 20 which sold out right away! So I have 16 more to pick up from her and already 9 of those are sold too!



Ozark Trail Kids Smores Camping Chairs (Bought 36)
Regular Price $7.00 at Walmart, looks like going for $17.00 on Amazon
Our Price + Tax = $1.07 each
(Marked $7.00 each or 2/$12 for rummage sale)
*ETA - Sold 5 for $7.00 each on FB on 3/25/19
*ETA - Sold 15 for $6.00 each on FB on 3/25/19
*ETA - Sold 1 for $7.00 on FB on 4/7/19
*ETA - Sold 2 for $6.00 each on FB on 4/7/19
*ETA - Sold 3 for $6.00 each on FB on 4/14/19
*ETA - Sold 2 for $6.00 each on FB on 4/21/19

$20K Update - Back from vaca! Up to $16K!

March 27th, 2019 at 02:01 pm

We are back from Laughlin! Had a lot of fun and didn't lose much at all. Since our hotels, flights and most food are free it was a very cheap vacation and was nice to get out in some sun. Had a hard time with thinking about the babies and why this happened to us, but I did my best to have fun.

Added what was left of our tax return to savings along with a bunch of savings snowflakes and we are well on our way to $17K!!

Current Balance $12,330.00
+$145.00 FB Sales
+$54.00 Better Homes and Gardens Rebate
+$18.00 Better Homes and Gardens Rebate
+$78.00 Dart Reimbursement
+$50.00 My Payday to Our Savings (3/22)
+$75.00 My Payday to Mom Loan Savings (3/22)
+$50.00 MO Payday to Our Savings (3/29)
+$30.00 Phone Savings
+$3970.00 Federal Tax Return
Balance $16,800.00

Local Savings $8410.00
GC Savings $845.00
Capital 360 Savings (US) $3660.00
Capital 360 Savings (Mom Loan Payback Account)$1535.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $16,800.00

52 Week Challenge
2019 Total = $300 (Weeks 1-24 are paid)

FB Sales Week of 3/10/19 and 3/17/19

March 27th, 2019 at 11:06 am

Lots of good sales right before I left on vaca!
Total sales for the week were $257.00!!
I sold a lot of new items, but also sold some Nexcare Tape I bought in 2014! Yeah for getting rid of old stuff!

Sale #1179 (NC) $76.00
Mohawk Red Rug (20x34) - I paid $3.73
Sold for $7.00
Profit = $3.27

Mainstays Grey Rug (Joint with my Bro) - We paid $7.46
Sold for $9.00
Profit = $1.54

Black + Decker Dustbuster (Joint with my Bro) - We paid $10.65
Sold for $16.00
Profit = $5.35

Vehicle Floor Mat Sets (2) (Joint with my Bro) - We paid $13.85 each
Sold for $20.00 each
Profit = $12.30

Baby Lotion (I bought these for the twins, so need to sell them before they expire) $1.00

Easter Towels (3) - Donated to me to help with medical expenses
Sold for $1.00 each
Profit = $3.00

Sale #1180 (SH) $15.00
NDSU Shamrock Hat - I paid $10.65
Sold for $15.00
Profit = $4.35

Sale #1181 (KS) $8.00
Pantene Shampoo 17.7oz (Joint with my Mom) - We paid $1.14
Sold for $4.00
Profit = $2.86

Venus Razor - .32 Money Maker
Sold for $4.00
Profit = $4.32

Sale #1182 (LS) $4.00
Venus Razor (Joint with my Mom) - .32 Money Maker
Sold for $4.00
Profit = $4.32

Sale #1183 (SM) $4.00
Easter Earbuds (4)(Joint with my Mom) - We paid .31 each
Sold for $1.00 each
Profit = $2.76

Sale #1184 (SF) $95.00
Kids Bikes (2)(Joint with my FIL) - We paid $22.52 each
Sold for $45.00 each
Profit = $44.96

For my Bro - Disco Ball $5.00

Sale #1185 (JF) $7.00
Easter Cake Pan - Donated to me to help with medical expenses
Sold for $6.00
Profit = $6.00

For my Bro - Bag of toy bracelets $1.00

Sale #1186 (SR) $13.00
Gillette Custom Plus Razors (Joint with my Mom) - We paid $1.60
Sold for $5.00
Profit = $3.40

Nexcare Medical Tape - $1.41 Money Maker!
Sold for $2.00
Profit = $3.41

Better Homes and Gardens Jar Candle 18oz (Joint with my FIL) - We paid $1.07
Sold for $4.00
Profit = $2.93

For me - Jerry's Mirror $2.00

Sale #1187 (AH) $21.00
Better Homes and Gardens Jar Candle 18oz (4)(Joint with my FIL) - We paid $1.07 for 2 and $1.60 for 2
Sold for $4.00 each
Profit = $10.66

Better Homes and Gardens Wax Melts (3)(Joint with my FIL) - We paid $.54 each
Sold for 3/$5.00
Profit = $3.38

Sale #1188 (AZA) $9.00
Better Homes and Gardens Jar Candle 13oz (Joint with my FIL) - We paid $1.07
Sold for $3.00
Profit = $1.93

Mainstays Jar Candles 11oz (2) (Joint with my FIL) - We paid $.80 each
Sold for $3.00 each
Profit = $4.40

Sale #1189 (BW) $5.00
Sold 5 books from my rummage sale stash for me and my Mom, did a deal for 7 books for $5.00.

Search Function not working on Blogs?

March 27th, 2019 at 09:46 am

When I try to use the search function on my blog it is not working. Anyone else having this issue or know of a fix?

Thank you!

Anyone else getting SPAM comments like crazy??

March 26th, 2019 at 12:41 pm

I am getting around 5 SPAM comments everyday!! Anyone else having this issue or know how to stop it?

They are going back and commenting on my entries from years ago...so weird.

Debt Update - 3/15/19

March 26th, 2019 at 12:39 pm

This update is late as I was having trouble with my blog at the time and then I was gone on vacation.

Celebrations for this update:
-$1003.11 paid off in the last 2 weeks!!
-Rental #1 went under the next $1000 mark!!
-Our Mortgage went under the next $1000 mark!
-Total Debt went under the next $1000 mark for the 9th update in a row!! This is now my longest streak!

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 $3,368.35
Mom Loan #2/#3 $34,921.06
MO Mortgage $80,640.00
My Mortgage $144,450.00
Our Mortgage $240,616.34
Total = $503,995.75

Down $1003.11 in the last two weeks!

Starting total was $613,351.27
$109,355.52 paid off since 6/19/15 (including downpayment on house and adding new truck loan)!!!!!

$20K Update

March 14th, 2019 at 11:48 am

Just a quick update, love seeing the total go up!

Current Balance $12,090.00
+$150.00 FB Sales
+$50.00 MO Payday to Our Savings (3/15)
+$40.00 Mortgage Savings
Balance $12,330.00

Local Savings $4145.00
GC Savings $815.00
Capital 360 Savings (US) $3560.00
Capital 360 Savings (Mom Loan Payback Account)$1460.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $12,330.00

52 Week Challenge
2019 Total = $300 (Weeks 1-24 are paid)

Misc. Clearance Finds from my Bro

March 13th, 2019 at 10:29 am

My brother sent this up with me to sell and split.



Black + Decker Dustbuster (Bought 1)
Regular Price $24.00
Our Price + Tax = $10.65
(Marked $16.00 each for rummage sale)
*ETA - Sold for $16.00 on FB on 3/10/19
Profit = $5.35

Dial Bodywash (Bought 6)
Regular Price $4.88
Our Price + Tax = $2.13
(Marked $3.50 each for rummage sale)

Mainstays Rug (Bought 1)
Regular Price $9.76
Our Price + Tax = $7.46
(Marked $9.00 each for rummage sale)
*ETA - Sold for $9.00 on FB on 3/10/19
Profit = $1.54

Children's Space Sweatshirt (Bought 2)
Regular Price $4.97
Our Price + Tax = $1.07
(Marked $3.00 each for rummage sale)

Children's Valentine Robot Shirt (Bought 1)
Regular Price $4.97
Our Price + Tax = $.27
(Marked $3.00 each for rummage sale)

Vehicle Floor Mat Sets (Bought 7)
Regular Price $27.88
Our Price + Tax = $13.85
(Marked $20.00 each for rummage sale)
*ETA - Sold 2 for $20.00 each on FB on 3/10/19

A cold AND food poisoning.....seriously!?

March 12th, 2019 at 01:36 pm

MO has been dealing with a "Man Cold" for a week or so and I was doing my best to avoid it.....but it found me. I've had symptoms for a few days but yesterday was the first day I started really feeling sick. I never sleep well since we lost the babies and the night before I was laying there till 5am..UGH! So last night I took a sleeping pill so I could get some rest and fight this cold. So I fall asleep pretty quickly, but wake up with terrible stomach cramps and lucky me I have food poisoning! Thankfully I was able to make it to the garbage can, I haven't thrown up since morning sickness and that is one thing I don't miss!! I took a shower, brushed my teeth and went back to bed. I think what made me sick was I had a few pieces of Fontina Cheese as a snack before bed. I normally use it in cooked dishes, like brussel sprouts, but just thought I would slice off a few pieces and eat it with some sandwich meat as a small snack. If you've never had Fontina, it is a soft cheese, like Blue Cheese. So that is my best bet as to what made me sick. Feeling better from that today, but cold symptoms are still here and I need to get better because we go to Laughlin for vaca in 6 days!! At least hubby is on the mend now so that's good that one of us can take care of the other...lol.

FB Sales Week of 3/3/19

March 11th, 2019 at 11:53 am

The weather continues to keep my customers from picking up. I had messaged several for pick-up on Friday evening and many were planning to come Saturday, then overnight we got over 5 inches of snow! It continued to snow throughout the day and needless to say no one showed up. I still had good sales for the week, mostly due to sales that MO had dropped off for me when he went to town for errands. Hoping the weather will cooperate soon!

Total sales for the week were $199.00!

Sale #1173 (KJ) $20.00
Glade 3 Wick Candles (8) - I paid $.54
Sold for $2.50 each
Profit = $15.68

Sale #1174 (BH) $10.00
Better Homes and Gardens Wax Melts (6) (Joint with my FIL) - We paid $.27 for 1 and .54 for 5
Sold for 6/$10.00
Profit = $7.03

Sale #1175 (TS) $20.00
Better Homes and Gardens 23pc Kitchen Set (Joint with my FIL) - We paid $10.68
Sold for $20.00
Profit = $9.32

Sale #1176 (RP) $10.00
Twighlight Series - 4 Books Total
-1 Book was mine
-1 Book was Joint (Can't find what we paid for this, but I am guessing $1.00)
Sold for $2.50 each
Profit = $4.00

For my Mom - 2 Twighlight Books, $5.00.

Sale #1177 (JF) $45.00
Better Homes and Gardens King Sheets - I paid $7.51
Sold for $15.00
Profit = $7.49

Ariat Boots - Left at rental
Sold for $25.00
Profit = $25.00

Office Depot 10pk Pens (5) (Joint with my Mom) - We paid $.15 each
Sold for $1.00 each
Profit = $4.25

Sale #1178 (NC) $84.00
Mainstays Farmhouse Grey Accent Rug (20x34) - I paid $2.13
Sold for $5.00
Profit = $2.87

Mohawk Red Accent Rug (20x34) - I paid $3.73
Sold for $7.00
Profit = $3.27

Mainstays Farmhouse Grey Accent Rug (30x46) - I paid $5.33
Sold for $12.00
Profit = $6.67

Mainstays Red Iron Gate Accent Rug (31x45) - I paid $4.79
Sold for $10.00
Profit = $5.21

Mainstays Farmhouse Grey Area Rug (5'x7') - I paid $15.98
Sold for $30.00
Profit = $14.02

Hot Tub Game - I paid $4.83
Sold for $10.00
Profit = $5.17

Calendula Cream - .04 Money Maker for me
Sold for $2.00
Profit = $2.04

Flashlight 10pk (Joint with my Bro) - We paid $5.33
Sold for $10.00
Profit = $4.67

Olay Bodywash (Joint with my Mom) - We paid $3.22
Sold for $5.00
Profit = $1.78

CVS Wipes (Joint with my Mom) - We paid $0
Sold for $1.00
Profit = $1.00

For my Mom: Calendula Cream $2.00

Valentines Clearance, Candles and Grills! Huge Haul for FIL!

March 8th, 2019 at 02:35 pm





My FIL has been killing the deals lately! I've posted the candles and those have been selling well, which I am happy about. They are fall scents so I was worried I would need to wait till fall, but they are already going great. The grills I will wait another month or two to post and the Valentines stuff I already have boxed up for next year.

Char-Broil Performance 4 Burner Gas Grill (Bought 4)
Regular Price $239.99
Our Price + Tax = $52.19
(Marked $120.00 for rummage sale)
*ETA - Sold 2 for $100.00 each on FB on 3/25/19
*ETA - Sold 1 for $100.00 on FB on 3/31/19
*ETA - Sold 1 for $100.00 on FB on 4/14/19
Profit = $191.24

Emoji Lipbalm (Bought 1)
Regular Price ?
Our Price + Tax = $.27
(Marked $1.00 for rummage sale)

Better Homes and Gardens Wax Melts (Bought 32)
Regular Price $3.47
Our Price + Tax = .27 for 1 and .54 for 31
(Marked $2.00 each for rummage sale)
*ETA - Sold in a bundle of 6/$10.00 on FB on 3/3/19
*ETA - Sold in a bundle of 3/$5.00 on FB on 3/10/19
*ETA - Sold in a bundle of 9/$15.00 on FB on 4/7/19
*ETA - Sold 1 for $2.00 on FB on 4/7/19
*ETA - Sold in a bundle of 3/$5.00 on FB on 4/14/19
*ETA - Sold in a bundle of 6/$10.00 on FB on 4/21/19

Better Homes and Gardens Candle 13oz (Bought 1)
Regular Price $4.44
Our Price + Tax = $1.07
(Marked $3.00 each for rummage sale)
*ETA - Sold 1 for $3.00 on FB on 3/10/19
Profit = $1.93

Better Homes and Gardens Candle 18oz (Bought 13)
Regular Price $5.97
Our Price + Tax = $1.07 for 3 and $1.60 for 10
(Marked $4.00 each for rummage sale)
*ETA - Sold 5 for $4.00 each on FB on 3/10/19

Mainstays Wax Melts 1.25oz (Bought 7)
Regular Price $.93
Our Price + Tax = $.11
(Marked $1.00 each for rummage sale)

Mainstays Candle 11.5oz (Bought 14)
Regular Price $3.33
Our Price + Tax = $.80
(Marked $3.00 each for rummage sale)
*ETA - Sold 2 for $3.00 each on FB on 3/10/19
*ETA - Sold 2 for $3.00 each on FB on 3/25/19
*ETA - Sold 4 for $2.50 each on FB on 5/12/19

Mainstays Candle 14oz (Bought 2)
Regular Price $4.24
Our Price + Tax = $1.07
(Marked $3.00 each for rummage sale)

Mainstays Candle 20oz (Bought 2)
Regular Price $4.86
Our Price + Tax = $1.07
(Marked $3.00 each for rummage sale)

Yankee Candle 19.5oz (Bought 1)
Regular Price $21.87
Our Price + Tax = $5.33
(Marked $10.00 each for rummage sale)

Valentines Gift Bags (Bought 6)
Regular Price $.98
Our Price + Tax = $.10
(Marked $1.00 each for rummage sale)

Valentines Gift Boxes (Bought 2)
Regular Price $1.98
Our Price + Tax = $.20
(Marked $1.00 each for rummage sale)

Valentines Mugs with Stuffed Animals (Bought 7)
Regular Price $4.98
Our Price + Tax = $.53
(Marked $3.00 each for rummage sale)

Valentines Pencils 10pk (Bought 15)
Regular Price $.98
Our Price + Tax = $.10
(Marked $1.00 each for rummage sale)

$20K Update - Tax Return and over $12K!

March 7th, 2019 at 09:04 am

We received our State and Federal Tax Returns. The State Return was $263.00 and we put that as a principle payment towards one of our mortgages. The Federal Return we will disperse after we get back from vacation as we will be taking some with us, and MO is also using a chunk to pay for tickets to the March Madness Championship games in April. This is a Bucket List item for him, so I am excited that he gets to go!

Current Balance $11,920.00
+$45.00 FB Sales
+$50.00 My Payday to Our Savings (3/8)
+$75.00 My Payday to Mom Loan Savings (3/8)
Balance $12,090.00

Local Savings $3995.00
GC Savings $775.00
Capital 360 Savings (US) $3510.00
Capital 360 Savings (Mom Loan Payback Account)$1460.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $12,090.00

52 Week Challenge
2019 Total = $300 (Weeks 1-24 are paid)

FB Sales Week of 2/25/19

March 4th, 2019 at 12:53 pm

Sales were good this week as far as orders, but not many picked up. The weather has been so cold and awful so I don't blame anyone for not wanting to leave the house. Only $53.00 picked up this week. I have over $200 waiting for pickup, so hopefully the cold will lift soon and orders will get picked up.

Sale #1169 (SS) $3.00
Pioneer Woman Placemats (6)(Joint with my FIL) - We paid .27 each
Sold for $2.00 each
Profit = $10.38

Sale #1170 (KJ) $29.00
Mainstays Teal Accent Rug 30x46 (2) - I paid $5.33 each
Sold for $12.00 each
Profit = $13.34

Mainstays Teal Accent Rug 20x34 - I paid $2.13
Sold for $5.00
Profit = $2.87

Sale #1171 (JD) $10.00
Finding Dory Fishbowl Pez Sets (Joint with my Mom) - We paid $2.65
Sold for $6.00
Profit = $3.35

Whole Blends Leave-In Conditioner (Joint with my Mom) - We paid $1.99
Sold for $4.00
Profit = $2.01

Sale #1172 (KK) $8.00
GUM Toothbrush 2pk (Joint with my Mom) - We paid $.41
Sold for $2.50
Profit = $2.09

Covergirl Lipbalm (Joint with my Mom) - We paid $1.05
Sold for $2.50
Profit = $1.45

For my Mom: St. Ives Lotion $3.00

Debt Update - 3/1/19

March 1st, 2019 at 02:36 pm

Celebrations for this update:
-$919.33 paid off in the last 2 weeks!!
-Mom Loan went under the next $1000 mark!!
-Total Debt went under the next $1000 mark for the 8th update in a row!! This is now my longest streak!

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 $3,486.87
Mom Loan #2/#3 $34,921.06
MO Mortgage $81,020.00
My Mortgage $144,540.00
Our Mortgage $241,030.93
Total = $504,998.86

Down $919.33 in the last two weeks!

Starting total was $613,351.27
$108,352.41 paid off since 6/19/15 (including downpayment on house and adding new truck loan)!!!!!