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New Renter for Rental #2

May 30th, 2018 at 10:35 am

Well it was looking pretty sketchy there for a little bit, but we found a new renter for rental #2 as of July 1st. So just one month (June) of no rent. The housing market here is NOT good for landlords or sellers right now. There are tons and tons of places for rent or for sale. Every street you drive down has multiple houses with "For rent" or "For sale" signs up. So we are very fortunate to have renters in both of our houses, and we have 3 of 4 apts filled at the apartment building we manage for my parents. We have another showing today on the 4th apartment, so hopefully that building will be full for the first time since like October.

We have put a new fridge into Rental #2, and also ordered new carpet for 3 rooms. The carpet isn't in yet, but should be this week I hope. Other then that just some touch up paint and working on the lawn and flower beds and we will be all set. The new renter is a pastor and has family. Hoping this will work out well. It is only for a year as he is here temporarily for a job, but happy to have someone in there for a year at least. We were also happy that we didn't have to lower the rent at all, we were able to stay at the $1500.

Getting Rental #2 ready for new renter and spending money like madness.....

May 15th, 2017 at 08:28 am

Our new renter is scheduled to move in on June 1, so we are working hard to get the house completely ready for them. We spent all weekend working on a new maintenance-free deck and lots of cleaning. It was a looooonnng weekend...lol.

MO is over half done on the deck and I got nearly all of the cleaning done. We are having his sister who does cleaning come in to finish up a few things this week.

We also found out the hot tub had a leak so we had someone come in to fix that. $$$$$

Meanwhile we are eating out like madness while we are in town working on the rental (an hr away from our home) and also paying for food/drinks for family and friends that have been helping with the deck. I am sure we spent over $200 on food and beer this weekend....ugh! Hopefully the hemorrhaging of money will be over soon and I can share some before and after pics of the deck!

$200 FREE Wellness Reimbursment

November 20th, 2016 at 11:29 am

MO and I went to town yesterday to run a bunch of errands and had a very productive day!

First we went to Lowes and got blinds for our bathroom (for the last year we have been living with a tension rod with a towel hanging over it...) as well as some lightbulbs for the basement. We had $75 in gift cards from last Christmas for Lowes so that covered all but about $30 of the bill. MO put the blinds up as soon as we got home and they look great!!

Next we hit the thrift store as we are both in need of some new pants. I found a pair of "like new" Maurice's Jeans for $10! This retail for $60+ so I was excited! MO didn't find any pants, but he did find some very nice shoes for work for $10 which was also a great deal!

Then we went to Scheel's as my work offers $200 per year for wellness that you can purchase wellness items and submit for reimbursement. We already have a treadmill and an elliptical and didn't really need anything but didn't want to waste the free $200, so w got a punching bag set that includes a set of gloves, a pullup bar, ab wheel, perfect pushup handle, 3 set of kettlebells, which left $14 remaining, so I grabbed a $14.99 resistance band. That's a lot of Free loot!!!! While we were there we also got one of my Bros BD and Christmas presents.

Then we stopped at Barnes and Noble there is a THM cookbook I wanted and I had $15 in gift cards for there so I used that and paid the $15 balance OOP.

Finally went and got BD and Christmas gifts for my niece and nephew so they are done for Christmas. I think I have about 30% of my gifts done.

Ended with my nieces BD party and some family time, very good and relatively cheap day between the gift cards and wellness reimbursement!

Today we are relaxing with football and getting some more laundry/cleaning done before Thanksgiving! Hope everyone is enjoying their weekend!

Zucchini Madness!!

August 24th, 2016 at 05:17 pm

This is my first year having a garden in something like 10 years.....apparently I forgot that you only need to plant 1-2 zucchini plants.....so we have mega amounts of zucchini! I have been trying lots of new yummy recipes. Parmesan Garlic Zucchini Fries, Grilled Zucchini with lemon garlic sauce, and chocolate zucchini cake with homemade chocolate frosting have been favorites!

Yesterday I used my food processor for the first time and shredded up a couple of giant guys! I portioned it into 2 cup servings so I can freeze and use it for muffins and cakes this winter!

(Please ignore my repeated misspelling of zucchini!)

Tonight I made zucchini noodles with my spiralizer and cooked them with Alfredo sauce, mushrooms, onions, garlic and spices for a very delicious, and a little healthier then normal chicken Alfredo!

I found a recipe online for a Blueberry Lemon Zucchini Cake, I think I will try that next!

Update on Flood Plain Situation

February 8th, 2016 at 08:01 am

I had mentioned a few weeks ago that we were having to get Rental #1 surveyed. The small town we live in had not had a new survey done in something like 25 years, and when they did a new one this year it showed part of our Rental Property was in the flood plain, and we received a notice that we would now need to purchase flood insurance (est. extra $2K per year!). So our options were to purchase the flood insurance, or if we didn't agree with the city survey, we could have one done solely on our property and have to pay the costs to prove that we were not on the flood plain (and risk being wrong and having to pay for the survey AND the insurance).

Well MO decided it was worth the risk and great news it came back that we are NOT in the flood zone, so we don't have to purchase the additional insurance! Plus if we ever sell the property that will be a huge benefit to have the paperwork showing that the property isn't in the flood zone. We do have to pay the $1200 for the survey, which stinks, but def worth it to not have to pay an additional $2K per year!

I put the cost of the survey on our Discover Card so we get the cash back bonus on it and we will have to take that money out of savings when that bill is due at the end of March.

New appliances!

January 26th, 2016 at 10:39 am

Our new stainless steel appliances came in a few weeks ago. I am so happy to have working appliances! We got a good Black Friday Deal through Best Buy and it is at 0% interest through June 2017. I already set up the auto pay so that we don't have to worry about missing a payment, and we will have it paid off before the due date. We are selling the old microwave and fridge. The stove and dishwasher were both old and broken so Best Buy took them away to recycle for free.

Before pic:

After pic:

Pictures of Banker Gurl's Store!

December 17th, 2015 at 05:25 pm

I am so excited pictures are working again!!!!!! So catching up.....here are pics of before and after from my "Store"! I love having the organized and clean area for my shoppers and it definitely helps sales!

FB Sales Week of 11/23/15 - My 300th Sale!

November 30th, 2015 at 11:40 am

I soooooooo wish pictures were working! Over the long weekend I got my "canning pantry" unpacked and now it is "My Store"! I LOVE IT! And I want you to see it too! lol
It has tons and tons of long shelving built onto the walls and all of the shelves are cleaned and have contact paper. Then I have each area displayed and organized just like a store (shampoo/conditioner, bodywash and lotion, then another area for oral care, makeup, medicine, etc. It looks great! Then any items that are bulk extra, I have in my labeled storage drawers in a little back room at the end of the canning pantry.
I was mostly happy just to have everything put away and organized, but what I also found out is now I sell WAY more!! I have had 3 people come to pickup items they bought off of FB since I finished the store yesterday. The first one came to pick up a $3.00 item and left with $30.00, 2nd came to pick up $5.00 and left with $18.50, and 3rd came to pick up $7.50 and left with $17.50! That's amazing! Plus they all made comments about how they will have to come back to me when they need more stuff!! So excited!

I sold $121.00 worth of items this week and have at least $100 in sales waiting for pickup right now!

Sale #297 (GO)$12.00 (Joint with Mom)
Glue sticks - 4 Bags
Sold for $3.00 each
Profit = $12.00

Sale #298 (RK)$2.00
Owl Key Holder
Sold for $2.00 each
Profit = $2.00

Sale #299 (SKM)$3.00
Knife Set
Sold for $3.00 each
Profit = $3.00

Sale #300 (DA)$24.00
Free Items from Menards
Storage Jars - Free After Rebate
Sold for $1.00 each
Profit = $15.00

2 books for my Mom, $3.00 each = $6.00

Sale #301 (SS)$15.00 (Joint with Mom)
Discounted Items from CVS
Disney Magnets - We paid .31 each
Sold for $1.50 each
Profit = $11.90

Sale #302 (DI)$7.50 (Joint with Mom)
Discounted Items from Walmart
Elf on the Shelf Lip Balm Tin - We paid $1.30
Sold for $2.50 each
Profit = $1.20

Free Items from Menards (Me)
Storage Jars (4) - Free After Rebate
Sold for $1.00 each
Profit = $4.00

1 Storage Jar for my Mom = $1.00

Sale #303 (LQ)$18.50 (Joint with Mom)
Discounted Items from Walmart
Elf on the Shelf NailPolish Candy Cane - We paid $1.30
Sold for $2.50 each
Profit = $1.20

Free at CVS
Almay Deodorant
Sold for $2.50
Profit = $2.50

Also for my Mom
True Result Diabetic Meter $7.00
Colgate Toothpaste $2.50
Boot Tray $2.00
Ice Scraper $1.50

Sale #304 (MB)$30.00 (Joint with Mom)
Discounted Items from Walmart
Elf on the Shelf Lip Balm Tin - We paid $1.30
Sold for $2.50 each
Profit = $1.20

POP - Makeup Artist Studio (2) - We paid $2.63 each
Sold for $8.00 each
Profit = $10.74

Purse Essentials Glitter Hair Ties (2) - We paid .22 each
Sold for $1.00 each
Profit = $1.50

Free Items from Target
Nivea Mint Lip Balm(2) - Free on Nivea Lotions
Sold for $2.00 each
Profit = $4.00

Also for my Mom, 2 GUM Toothbrush sets for $2.50 each = $5.00

Sale #305 (CG)$6.00 (Mom)
Brush Sets (2) for $3.00 each = $6.00

Sale #306 (RH)$3.00 (Mom)
Clifford Book - $3.00

Bills, bills, bills......$20K Downdate

November 11th, 2015 at 06:57 am

We finally got my walls repaired and painted in my old house (Rental #2). XH had punched about 7 different holes in the walls on different occasions when he was drunk...and then never even fixed them. They are probably 3-4 yrs old, soooooo happy to finally have them repaired, kind of physically hiding some of the scars of my past. MO's Aunt has a painting and drywall company so she did the work and only charged $850 to repair and paint my very high ceiling entryway, kitchen, living room, stairwell, hallway and bathroom. It looks great! And one stop closer to being able to get a renter in the upstairs of the house. All that is left is new carpet in the living room, finishing moving misc items, and a deep cleaning.

I also got a $650 bill from some physical therapy claims I had this summer from a softball injury. That bill I will pay from my HSA.

MO won the football pics last week! He actually tied for first, and then they tied on the tie breaker, so he won $35 instead of $70.

Current Balance $12,230.00
-$850.00 Painting bill for Rental #2
+$35.00 MO Football Pic Winners
+$25.00 MO Payday to Savings
Balance $11,440.00

Local Savings $2250.00
GC Savings $1700.00
Capital 360 Savings (US) $2910.00
Capital 360 Savings (Mom Payback Account)$3330.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $11,440.00

52 Week Challenge
Week 39 $780(total) + $40 + $41 + $42 + $43 + $44 + $45 (deposit) = $1035

I love my new desk!

May 13th, 2015 at 09:56 am

I love my new desk! Also my new home office/P90X area!

I got the desk at Office Depot, I got a great sale for just $329 for the desk and hutch combo! I was however extremely disappointed in the customer service I received.....I guess I should say in the training level/lack of knowledge of the employees rather then the customer service as they were all very nice.....just didn't know what they were doing....but oh well I finally got it now and I really love it!! And thanks to DF for putting it together for me!!

Awesome SURPRISE from BF!

October 23rd, 2014 at 04:15 pm

I came home yesterday from work to see BF's truck in the driveway...I was very confused as he had no plans to come down that day and he hadn't told me he was in town (he lives about an hr away)...I went inside thinking he just got off of work early and decided to come see me...and what do I find??? BF has bought and installed this beautiful brand new dishwasher for me! Isn't it awesome!

What a great present (for no reason?!)! I did need a new dishwasher, mine has been leaking water onto the floor for a long time, somewhere around a year or so, so everytime I used it I had to put a towel down and sadly it was starting to warp the flooring...and a few days ago I turned it on and then left the house and when I got home it smelled like something was burning and the smell was coming from the dishwasher...yikes! So I was super excited. Can't believe how lucky I am to have found such a sweet, caring, funny, sexy, amazing man!!

$20K Update

November 18th, 2013 at 03:02 pm

Couple of items had to get paid for, so went down a little. Glad to have those 2 items off the list of things to buy.

New Focus = Sept 2014 $1100/$1800

Current Balance $28,135.00
+$100.00 Anniversary Cruise
-$300.00 Hot Tub Cover
-$400.00 4 Tires for my car
New Balance $27,535.00

ING $24,430.00 ($5620.00 Bingo Money)
Home Improvements(cash)$430.00
HSBC $2675.00
Total = $27,535.00

Home Improvements

July 7th, 2013 at 07:38 pm

Got a few things done on the home improvements front today. My Dad came over and helped DH cut down a few small trees that had sprung up on their own in the backyard and also put our shed doors back on. They had come off in a bad wind storm a few months ago. Glad to have those things back in order.