Banker Gurl's More Bang For Your Buck!

Bath and Body Works runs some really great sales and promotions in the weeks before Christmas. I sold out of the lotions I have gotten from them a few weeks ago, so I decided to keep watching for more deals and was able to get a good deal on both shower gels and their foaming hand soaps. The profits per item aren't huge, but so far they sell very fast so that's a plus, and I love the products, so if I don't see them I can always use them myself too.



Shower Gels (Bought 8)
Regular Price $12.50 each
My Price After Discounts $3.75 each
+$7.94 Tax and Shipping
Final Price = $4.74 each
(Marked $6.00 each for rummage sale)
*ETA - Sold 6 for $6.00 each on FB on 12/10/17
*ETA - Sold 1 for $6.00 each on FB on 12/25/17
*ETA - Sold 1 for $6.00 each on FB on 12/2/18
Profit = $10.08



Foaming Hand Soaps (Bought 55)
Regular Price $6.50 each
My Price After Discounts $1.80 each
+$19.63 Tax and Shipping
Final Price = $2.16 each
(Marked $4.00 each for rummage sale)
*ETA - Sold 7 sets of 5 (35) for 5/$18 on FB on 12/10/17
*ETA - Sold 2 for $4.00 each on FB on 1/28/18
*ETA - Sold 1 set of 5 (5)for 5/$18 on FB on 7/15/18
*ETA - Sold 13 for $4.00 each on FB on 12/2/18
Profit = $101.20

Well we managed to get through paying the $1200 propane bill without taking anything out of savings!! That is a huge accomplishment!

We have to pay the $2500 home insurance bill for 2 of our houses in 2 weeks. We won't be able to swing that one without taking out of savings. But at least we got past the propane bill.

No news yet on any new renters for Rental #1.

Current Balance $17,760.00
+$10.00 Mortgage Savings
+$110.00 FB Sales
Balance $17,880.00

Local Savings $7145.00
GC Savings $995.00
Capital 360 Savings (US) $4170.00
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 = $17,880.00

52 Week Challenge
2017 Total = $892.00(We have paid weeks 1-28 and 44-52)

I had my 800th Sale!! And sales this week were $194.50!!!!


Sale #795 (KW) $10.00
Star Wars Holiday Lights - We paid $5.31
Sold for $10.00
Profit = $4.69

Sale #796 (JB) $12.00
Finding Dory creativity Kit - We paid $5.81
Sold for $12.00
Profit = $6.19

Sale #797 (SR) $23.00
Pioneer Woman Center Piece - We paid .37
Sold for $2.00
Profit = $1.63

Santa Milk Bottles(2) - We paid .26 each
Sold for $2.00 each
Profit = $3.48

Hello Kitty Long Sleeve Christmas T-shirts (3) - We paid .79 each
Sold for $4.00 each
Profit = $9.63

Physicians Formula - Free After EB
Sold for $5.00
Profit = $5.00

Sale #798 (SS) $27.50
Olay 400mL Body Wash (3) - We paid .88 each
Sold for $2.50 each
Profit = $4.86

Olay 23.6oz Body Wash - We paid $2.54
Sold for $5.00
Profit = $2.46

GUM Toothbrush 2pks (12) - We paid $.41 each
Sold for $2.50 each but gave a 50% discount on these as she was buying to make donations for Christmas. So sold for $1.25 each for the 2pks.
Profit = $10.08

Sale #799 (AS) $74.00
Colgate Toothpaste (4) - We paid .53 each
Sold for $2.50 each
Profit = $7.88

Conair Hair Dryer - We paid $5.65
Sold for $12.00
Profit = $6.35

Kids Play Shave Set (2) - We paid $1.30 each
Sold for $3.00 each
Profit = $3.40

Gillette Shave Set 3pc (2) - We paid $5.31
Sold for $8.00 each
Profit = $5.38

Healthtex Boys Winter Coat - We paid $1.06
Sold for $5.00
Profit = $3.94

EOS Single Lipbalm - We paid $1.05
Sold for $2.50
Profit = $1.45

Sketchers Sneakers - We paid $10.65
Sold for $20.00
Profit = $9.35

For my Mom - Makeup Removers $2.50

Sale #800 (SS) $20.00
Disney T-shirts (2) - We paid .96
Sold for $4.50 each
Profit = $7.08

Holiday T-shirts (3) - We paid .84 each
Sold 2 for $4.00 and 1 for $3.00
Profit = $8.48

Sale #801 (TB) $28.00
Kitchen/Microwave Cart (Me) - No longer need since roommate moved out
Sold for $20.00
Profit = $20.00

Colgate Spin Brush - We paid $1.59
Sold for $5.00
Profit = $3.41

Kids Bath Sets 4pc - We paid $1.30
Sold for $3.00
Profit = $1.70

$685.72 paid off in the last 2 weeks!!!

Celebrations for this update:
-$685.72 paid off in the last 2 weeks!
-Our "bad debt" (Store Loan and Mom Loan) went under the next $1000 mark and under $25K!


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 $7,231.76
Mom Loan #2 $17,327.47
MO Mortgage $83,925.75
My Mortgage $150,300.00
Our Mortgage $247,082.00
Total = $505,866.98

Down $685.72 in the last 2 weeks!!

Starting total was $587,351.27
$81.484.29 paid off since 6/19/15 (including downpayment on house)!!!!!

We have $2805 in a savings account to pay off the Mom Loan, so the amount we still owe that is $14,522.47.

CVS has been having some great deals lately. They ran a cash card deal last week where when you send $30 on select PG you earn a $10 cash card. I did this deal 3 times.



Pantene Shampoo and Conditioner $4.00 each(Bought 18)
Crest Toothpaste $2.99 (Bought 6)
Dawn Dishsoap $.99 (Bought 3)
Total Merchandise = $92.91

Coupons Used:
$5.00 off 3 Pantene (6)
$2.00 Crest (6)
$4.00 off $14.00 CVS Coupon Machine (2)
$10.00 off $40.00 CVS Coupon Machine (2)
Total Coupons = $70.00

Rewards Earned:
$10.00 CVS Cash Card (3)
$18.00 Ibotta for Pantene
Total Rewards = $48.00

Total Merchandise $92.91
Total Coupons -$70.00
Total Rewards -$48.00
Total + $4.58 tax = $20.51 Money Maker!!!

For accounting purposes I am going to say the Dawn and the Crest were free and spread the overage over the Pantene. The Dawn we are keeping and the Crest we will mark $2.50 for rummage sale.
*ETA - Sold 2 Crest for $2.50 each on FB on 1/14/18
*ETA - Sold 2 Crest for $2.50 each at 9/22/18 rummage sale
*ETA - Sold 2 Crest for $2.50 each on FB on 1/20/19
Profit = $15.00

So for 18 Pantene we were paid $1.14 each!!
(Marked $3.00 each for rummage sale)
*ETA - Sold 8 for $2.50 each on FB on 1/6/19
*ETA - Sold 4 for $2.50 each on FB on 1/20/19
*ETA - Sold 1 bigger size (17.7oz) for $4.00 on FB on 3/10/19
*ETA - Sold 2 for $2.50 each on FB on 11/3/19
*ETA - Sold 2 for $2.50 each on FB on 12/8/19
*ETA - Sold 1 for $2.50 each on FB on 1/5/20
Profit = $65.88!!!!

There was also a good deal on eyedrops:

Rohto Eyedrops (Bought 2)
Regular Price $13.99
-$2.00 Mfr Coupon
*Earned $7.00 EB
*Earned $5.00 Ibotta
Money Maker = $.01!
(Marked $5.00 each for rummage sale)
*ETA - Sold 1 for $3.00 on FB on 7/15/18
*ETA - One expired, so kept for personal use
Profit = $3.01

Well that went straight out the window...that's where!

we were doing good at tracking spending till Christmas Shopping and Black Friday shopping hit. Things went crazy. So much shopping so many stores.

Besides all the Christmas shopping, tons of deals for resell, and normal needs, I also got a new laptop on Black Friday (Mine is 4 years old and slow as molasses so it was time).


Now that our renter is moving out we need to get even more serious about tracking and reducing our spending. I do think we were doing a good job until the holiday shopping frenzy happened. So hopefully we can stay on track and start 2018 on a good note!

Just one week after our basement renter moved out, we received notice from our renter in Rental #1 that they will be moving out as of 2/1/18. This renter has been in there since we started renting the house in Sept 2015, always pays rent on time, no problems whatsoever.....we are really sad to see them go!

This rental is in the very small town where we live and right now the housing market is terrible here. So many houses for sale. Population is only around 3K. It's very difficult to find renters.

Plus the renters that were living there had started building a patio on the back of the house with our permission. So they took off the old steps and poured concrete. Now it's Dec and they are going to move out and we have no steps on the back of our house.....UGH!

At least we have two months notice, and we can lower the rent to help find a renter too, but this was definitely not what we needed when we are trying to bulk up savings for medical services in 2018.

Boooooooo!!!!!

Current Balance $17,655.00
+$20.00 Ibotta Rebate
+$35.00 FB Sales
+$50.00 MO Payday to Our Savings (12/8)
Balance $17,760.00

Local Savings $7035.00
GC Savings $985.00
Capital 360 Savings (US) $4170.00
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 = $17,760.00

52 Week Challenge
2017 Total = $892.00(We have paid weeks 1-28 and 44-52)

Total Sales this week were $73.00!!

Sale #788 (HH) $20.00
Girls Nine West Boots - We paid $2.62
Sold for $20.00
Profit = $17.38

Sale #789 (SH) $12.00
Finding Dory Creativity Kit - We paid $5.81
Sold for $12.00
Profit = $6.19

Sale #790 (MAS) $6.00
Finding Dory Pez Set - We paid $2.65
Sold for $6.00
Profit = $3.35

Sale #791 (LS) $13.00
Carters Joy Sleeper - We paid .95
Sold for $5.00
Profit = $4.05

Santa Footsie Onesie - We paid $1.06
Sold for $5.00
Profit = $3.94

Christmas Sleepers - We paid .95
Sold for $3.00
Profit = $2.05

Sale #792 (DI) $7.00
Flipsies Doll - We paid $2.12
Sold for $7.00
Profit = $4.88

Sale #793 (DA) $1.00
Cupcake Box - We paid .16
Sold for $1.00
Profit = $.84

Sale #794 (JC) $14.00
Star Wars Holiday Lights - We paid $5.31
Sold for $10.00
Profit = $4.69

Mini Lights - We paid .31
Sold for $2.00
Profit = $1.69

Measuring Cup Set - We paid .22
Sold for $2.00
Profit = $1.78

Love the Black Friday Deals at CVS! It's a lot of work to get everything figured out with the EBs, but it is awesome to see all the free stuff you can get! These deals were all split with my Mom.



23 and Me Genetic Kits (Bought 2)
Regular Price $29.99
-$10.00 off a $50 Purchase CVS Coupon for one
-$3.00 Beauty Club EB
*Received $20 EB on each
Final Price + tax = $5.44 each
(Keeping These)

Applebees Giftcards (Bought 6 for $25 each)
Spend $75 - Get $25 EB
Final Price $150 in GC for $100
(Keeping These)

Colgate Max Fresh/Colgate Total Toothpaste (Bought 8)
Regular Price $3.59 each
-$.09 Sale Price Each
-$3.00 CVS Coupon Each
Final Price = .53 each
(Marked $2.50 each for rummage sale)
*ETA - Sold 4 for $2.50 each on FB on 12/4/17
*ETA - Sold 2 for $2.50 each on FB on 1/14/18
*ETA - Sold 1 for $2.50 on FB on 1/21/18
*ETA - Sold 1 for $2.50 on FB on 7/15/18
Profit = $15.76

Conair Hair Dryer Products (Bought 7)
Regular Price $19.99
-$9.99 Sale Price
*Received $5.00 EB
Final Price + tax = $5.65 each
(Marked $10.00 each for rummage sale)
*ETA - Sold 1 for $12.00 on FB on 12/4/17
*ETA - Sold 1 for $12.00 on FB on 12/17/17
*ETA - Sold 1 for $10.00 at 9/22/18 rummage sale
*ETA - Sold 1 for $10.00 on FB on 10/7/18
*ETA - Sold 1 for $12.00 on FB on 12/30/18

CVS Alkine Batteries (Bought 8)
Regular Price $4.99 each
-$.60 Sale Price Each
*Received $4.39 EB Each
Final Price - Free!!
(Keeping These)

CVS Disposable Razors (Bought 4)
Regular Price $1.99 each
*Received $1.99 EB Each
Final Price - Free!!
(Marked $1.00 per pack for rummage sale)

CVS Pantiliners (Bought 8)
Regular Price $1.19 each
-.20 Sale Price Each
*Received .99 EB Each
Final Price - Free!!
(Marked $1.00 each for rummage sale)
*ETA - Sold 4 for $1.00 each on FB on 8/5/18
*ETA - Sold 4 for $1.00 each on FB on 8/13/18
Profit = $8.00

CVS Wipes (Bought 8)
Regular Price $1.37 each
-.38 Sale Price Each
*Received .99 EB Each
Final Price - Free!!
(Keeping 2 of these - Rest marked $1.00 each)
*ETA - Sold 2 for $1.00 each on FB on 1/20/19
*ETA - Sold 1 for $1.00 on FB on 3/3/19
*ETA - Sold 3 for $1.00 each on FB on 3/25/19

Glade Air Freshner (Bought 8)
Regular Price $1.89 each
-$.90 Sale Price Each
*Received .99 EB Each
Final Price - Free!!
(Marked $1.00 each for rummage sale)
*ETA - Sold 8 for $1.00 each on FB on 5/13/18
Profit = $8.00

Green Giant Veggies (Bought 8)
Regular Price $1.99 each
-$1.00 Sale Price Each
*Received .99 EB Each
Final Price - Free!!
(Keeping These)

GUM Toothbrush 2pks (Bought 16)
Regular Price $4.99 each
-$2.49 Sale Price Each
*Received $2.50 EB Each
Final Price - Free!!
(Marked $2.50 each for rummage sale)

Lady Speed Stick Deodorant (Bought 8)
Regular Price $3.79 each
-$2.30 Sale Price Each
*Received $1.00 EB Each
Final Price - $.52 each
(Keeping These)

Organic Face Mask (Bought 2)
Regular Price $14.99 each
-$6.99 Sale Price Each
*Received $8.00 EB Each
Final Price - Free!!
(Marked $4.00 each for rummage sale)
*ETA - Sold 2 for $4.00 each on FB on 12/23/18
Profit = $8.00

Pepsi Product 2 Liters (Bought 12)
Regular Price $2.29 each
-$1.52 Sale Price Each
Final Price + tax = .82 each
(Keeping These)

Physicians Formula Mascara and Eyeliner (Bought 7)
Regular Price $9.99 each
-$.99 Sale Price Each
*Received $9.00 EB Each
Final Price - Free!!
(Marked $5.00 each for rummage sale)
*ETA - Sold 1 for $5.00 on FB on 12/4/17
*ETA - Sold 2 for $5.00 each on FB on 12/10/17
*ETA - Sold 4 for $6.00 each on FB on 12/2/18
Profit = $39.00

Reeces Peanut Butter Cups (Bought 8)
Regular Price $1.25 each
-$.48 Sale Price Each
*Received .77 EB Each
Final Price - Free!!
(Keeping These)

Starburts Candy (Bought 8)
Regular Price $1.25 each
-.26 Sale Price Each
*Received .99 EB Each
Final Price - Free!!
(Keeping These)

Trolli Gummy Candies (Bought 8)
Regular Price $2.79 each
-.80 Sale Price Each
*Received $1.99 EB Each
Final Price - Free!!
(Keeping These)

Wet'N'Wild Sets (Bought 8)
Regular Price $4.99 each
*Received $4.00 EB Each
Final Price + tax = $1.06 each
(Marked $3.00-$4.00 each for rummage sale)
*ETA - Sold 2 for $3.00 each on FB on 6/3/18
*ETA - Sold 3 for $3.00 each on FB on 6/10/18
*ETA - Sold 1 for $4.00 on FB on 6/10/18
*ETA - Sold 1 for $4.00 on FB on 8/13/18
*ETA - Sold 1 for $4.00 on FB on 12/2/18
*ETA - Sold 1 for $3.00 on FB on 12/2/18
*ETA - Sold 1 for $3.00 on FB on 2/10/19
*ETA - Sold 1 for $3.00 on FB on 2/17/19

Wet'N'Wild Larger Sets (Bought 4)
Regular Price $9.99 each
*Received $8.00 EB Each
Final Price + tax = $2.64 each
(Marked $6.00 each for rummage sale)
*ETA - Sold 1 for $7.00 on FB on 6/24/18
*ETA - Sold 3 for $6.00 each on FB on 12/2/18
Profit = $14.44

I had to use my $35 Kohl's cash that I earned from MO's Fitbit. I found some great boots for myself:

Regular price was $89.99
-$44.99 Sale Price
-$3.50 25% off coupon
-$35.00 Kohls Cash
Final Price $6.50!!!!

I haven't gotten new brown boots for myself since about 2013 so I am super excited!

While we were shopping we also found these great deal on running shorts to resell.

Nike Shorts $30.00
FILA Shorts $30.00
TEK Gear shorts $26.00
SO Shorts $20.00
SO Shorts $20.00
Total $126.00

All were on clearance for 90% off plus a 25% off coupon, final price total was $10.86! Just $2.17 per pair!!
(Marked Nike and FILA $12.00 each and the others $10.00 each for rummage sale)
*ETA - Sold 1 pair of SO Shorts for $10.00 on FB on 5/6/18
*ETA - Sold 1 pair of SO Shorts for $10.00 on FB on 5/13/18

My work gives $200 a year that we get to use for Wellness. They are pretty liberal with it, and it can be used for workout equipment, gym fees, sports fees, gym shoes, and lots of other things. It's getting to the end of the year and we haven't submitted for reimbursement for anything yet. We decided to get a Fitbit for MO (I have an Apple Watch so don't need one) during the Kohls Black Friday Sales.



Here is what we did:

Fitbit Charge 2 $149.00
-$50.00 Sale Price
-$17.00 Ebates Rebate Earned
-$35.00 Kohls Cash Earned
-$5.00 Discover Rewards Earned
-$99.00 Wellness Reimbursement
=$57.00 Money Maker!!!

We also got a beautiful King Comforter that retails for $119.00 for $19.00! Whoo hoo!!

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 1-28 and 44-52)

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

$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.

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 1-28 and 44-52)

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.

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

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!

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 1-28 and 44-52)

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 Make-Up 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 Crème 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

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 T-shirt 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

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 1-28 and 44-52)

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

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 2-in-1 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

$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.

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

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 1-28 and 44-52)

I stopped into CVS when I was in town to grab the free gummies and cheap Wet'N'Wild Make-up Sets and saw some Halloween clearance. The pumpkin carving sets I had this year all sold out quickly, so I grabbed some more for next year at 75% off!



Pumpkin Carving Set 19pc (Bought 11)
Regular Price $5.99 each
-$4.50 Clearance Price Each
Final Price + Tax = $1.58 each!
(Marked $3.00 each for rummage sale)
*ETA - Sold 1 for $3.00 on FB on 9/2/18
*ETA - Sold 1 for $3.00 on FB on 9/9/18
*ETA - Sold 4 for $3.00 each on FB on 10/7/18
*ETA - Sold 4 for $3.00 each on FB on 11/11/18

Pumpkin Carving Scoop (Bought 2)
Regular Price $4.99 each
-$3.74 Clearance Price Each
Final Price + Tax = $1.33 each!
(Marked $3.00 each for rummage sale)
*ETA - Sold 1 for $3.00 on FB on 9/9/18
*ETA - Sold 1 for $3.00 on FB on 10/7/18
Profit = $3.34

Wet'N'Wild Mini Mascara Set (Bought 2)
Wet'N'Wild Haute Eye Collection (Bought2)
Regular Price $4.99 Each
*Received $4.00 EB on Each
Final Price + Tax = $1.06 Each
(Marked $3.00 for rummage sale)
*ETA - Sold 1 Haute Set for $4.00 on FB on 11/12/17

Trolli Gummies (Bought 4)
Regular Price $2.00 Each
*Received $2.00 EB on Each
Final Price + Tax = .12 Each!
(Keeping These)

Current Balance $18,435.00
+$3.96 Cap360 Interest
+$6.04 Even Out Amount
+$20.00 FB Sales
Balance $18,465.00

Local Savings $6700.00
GC Savings $2425.00
Capital 360 Savings (US) $3920.00
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 = $18,465.00

52 Week Challenge
2017 Total = $892.00(We have paid weeks 1-28 and 44-52)