Banker Gurl's More Bang For Your Buck!

My home insurance was due and we were able to cover about $400 of it out of checking, the rest we had to pull out of savings. We should be back over $11K when MO gets paid on Friday. I already had a lot of Christmas presents, so hopefully won't have to take any of savings for Christmas!

Current Balance $11,530.00
+$25.00 My Payday to Our Savings
+$25.00 My Payday to Mom Savings
+$70.00 FB Sales
-$700.00 Home Insurance for my house (Rental #2)
Balance $10,950.00

Local Savings $2410.00
GC Savings $1000.00
Capital 360 Savings (US) $2935.00
Capital 360 Savings (Mom Payback Account)$3355.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $10,950.00

52 Week Challenge
Week 46 $1035(total) + $46(deposit) = $1081

Since I moved I haven't been doing much for CVS deals since the closest CVS is now an hr away. I was in town this weekend do some more packing at my old house and got a few deals while we were there. Also got all of my Christmas decorations and wrapping packed up and moved to the new house so I am decorate the day after Thanksgiving. Getting closer and closer to be completely moved!

(Sorry still no pics!)

CVS

Sure Aerosol Deodorant 16oz (Bought 2(
Regular Price $4.99 each
-$2.99 Sale Price each
*Received $1.00 EB each
Final Price = $1.00 each
(Marked $2.50 each for rummage sale)

Skintimate Shave Foam (Bought 2)
Regular Price $3.29 each
*Received $2.00 EB each
Final Price = $1.29 each
(Keeping these)


Menards

Handsoaps (Bought 10) - Joint with Mom
Regular Price (I think $1.00?)
Marked down to .50 each
.33 tax
Final Price .53 each
(Marked $1.00 each for rummage sale)


Kohls

I had a $10 off $10 purchase coupon on the mail, so MO and I did a spin through Kohl's and found a good deal on an electric knife which will be great for Thanksgiving since we are hosting this year!

Toastmaster Electric Knife
Regular Price $19.99
-$2.00 Sale Price
-$1.60 Friends and Family Day Discount
-$10.00 Coupon
Final Price $6.39!

Sweet!!!

I was just now cleaning out an old check register and I pulled out the register out of check book holder and $7.00 fell out! The check register was from last Dec, so yeah for surprise money! I stuck it in my change jar for next time.

Current Balance $11,440.00
+$30.00 FB Sales
+$60.00 Coin
Balance $11,530.00

Local Savings $2340.00
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 = $11,530.00

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

Went hunting with hubby this weekend, walked about 3 hrs (yeah for burning calories!) and he got a grouse, a pheasant, and a buck! YEAH! Lots of meat for our freezer this winter! Pheasant and grouse are already prepared for cooking and in the freezer. The buck to the grocery store he manages to be processed into sausage, summer sausage and jerky.

Super happy with this update, went down over $1000 in the last 2 weeks!

Celebrations for this update:
-Total debt went down over $1000 in just 2 weeks!
-Total debt went under $560K!
-Total paid on Bad Debt Race passed $7K!
-Mom Loan went under $14K



Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Loan from Mom $13,994.99
Store Loan $13,346.12
HELOC $29,366.61
MO Mortgage $88,389.24
My Mortgage $158,490.00
Our Mortgage $256,138.59
Total = $559.725.55


$1034.77 paid off in the last 2 weeks!!!

Starting total was $584,391.18.
$24,665.63 paid off since 6/19/15 (including downpayment on house)

We have $3330.00 in a savings account to pay off my Mom, so the amount we still owe her is $10,664.99

Sold lots of little items this last week.....but those little items add up to! Plus was happy I sold some Revlon Emory Boards, I made money when I got those, but have had them since 2012! So definitely happy they are finally moving! Sales were only $29, but I got rid of 21 items!


Sale #286 (JS)$2.00
Rubberband Gun
Sold for $2.00
Profit = $2.00

Sale #287 (JZ)$1.00
Book
Sold for $1.00
Profit = $1.00

Sale #288 (LQ)$3.00
Weight Watchers Workout DVD
Sold for $2.00
Profit = $2.00

Discounted Items from CVS
Revlon Emory Boards - I paid .09 (Free on CVS GC)
Sold for $1.00
Profit = $1.00

Sale #289 (AB)$6.00
Discounted Items from Menards
Mini Keychain Tapemeasures (4) - I paid .06 each
Sold for $1.50 each
Profit = $5.76

Sale #290 (SS)$15.00
Discounted Items from Menards
Mini Keychain Tapemeasures (3) - I paid .06 each
Sold for $1.50 each
Profit = $4.32

Discounted Items from CVS
Revlon Emory Boards (3) - I paid .09 (Free on CVS GC)
Sold for $1.00 each
Profit = $3.00

Wide File - I paid .27 (Free on CVS GC)
Sold for $1.00
Profit = $1.00

Revlon Glitter File - I paid -.43 (Money Maker!)
Sold for $1.50
Profit = $1.93

Nivea Lotion Pots (4) - I paid -$1.25 each (Money Maker!)
Sold for $1.00 each
Profit = $9.00!
(I also sold 1 for my Mom too)

Sale #291 (KD)$2.00
Discounted Items from CVS
Kids Strawberry Colgate Toothpaste - I paid .19 (Free on CVS GC)
Sold for $2.00
Profit = $2.00

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

We got another belated wedding gift and added that to savings with our FB sales for the week.

Also our 52 Week Challenge is now over $1000!

Current Balance $12,115.00
+$50.00 Belated Wedding Gift
+$64.00 FB Sales
+$1.00 Even Out Amount
Balance $12,230.00

Local Savings $2215.00
GC Savings $2550.00
Capital 360 Savings (US) $2885.00
Capital 360 Savings (Mom Payback Account)$3330.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $12,230.00

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

Lot of sales again this week! MO and I made $64! Time to put more stuff up for sale!

Sale #279 (KG)$10.00
Crockpot (We had 2, so sold one)
Sold for $10.00
Profit = $10.00

Sale #280 (HL)$5.00
Toaster (We had 2, so sold one)
Sold for $5.00
Profit = $5.00

Sale #281 (PG)$20.00
Craft Bag
Sold for $20.00
Profit = $20.00

Sale #282 (SR)$4.00
Mug with spoon
Sold for $1.00
Profit = $1.00

JELLO Cookbook
Sold for $1.00
Profit = $1.00

ESPN Recipes
Sold for $2.00
Profit = $2.00

Sale #283 (GP)$10.00
Comforter Set with pillow
Sold for $10.00
Profit = $10.00

Sale #284 (DKH)$12.00
Margarita Set (Blue Swirl)
Sold for $12.00
Profit = $12.00

Sale #285 (BC)$9.00
Candy Dish
Sold for $3.00
Profit = $3.00

Toy Set (this was my Moms) - Sold for $6.00

I also sold $6.00 worth of window insulation kits for my Mom.

My SIL came and kept me company while our hubbies were hunting together this weekend. We got through a LOT more boxes of misc. stuff. Found several more giftcards!

The new ones I added are in bold.

Applebees $20.00
Applebees $25.27
Barnes & Noble $5.00
Barnes & Noble $10.00
CVS $10.00
CVS $10.00
CVS $10.00
CVS $50.00
CVS E-cert $5.00
CVS E-cert $5.00
CVS E-cert $5.00
JCPenney $25.00
Lowe's $25.00
Lowe's $50.00
MasterCard $100.00
Menards Rebates $114.67
Menards Rebates $146.82
Menards Rebates $214.12
Movie Coupons $10.00
Movie Coupons $10.00
Scheels $5.93
Scheels $25.00
Target $5.00
Target $5.00
Target $5.00
Target $10.00
Target $20.00
Target $50.00
Target $50.00
Texas Road House $50.00
TGIFridays $25.00
Walmart $10.00
Walmart $11.36
Walmart $20.00
Walmart $35.00
TOTAL = $1160.17

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Loan from Mom $14,247.50
Store Loan $13,456.97
HELOC $29,366.61
MO Mortgage $88,389.24
My Mortgage $158,800.00
Our Mortgage $256,500.00
Total = $560,760.32


$483.97 paid off in the last 2 weeks.

Starting total was $584,391.18.
$23,630.86 paid off since 6/19/15 (including downpayment on house)

We have $3305.00 in a savings account to pay off my Mom, so the amount we still owe her is $10,942.50.

MO got a small refund ($42.00) from his insurance company which I tossed into savings.

Current Balance $12,020.00
+$42.00 Insurance Refund
+$3.00 Even Out Amount
+$25.00 My Payday to Mom Payback (11/6/15)
+$25.00 My Payday to Our Savings
Balance $12,115.00

Local Savings $2100.00
GC Savings $2550.00
Capital 360 Savings (US) $2885.00
Capital 360 Savings (Mom Payback Account)$3330.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $12,115.00

This weekend we got a Uhaul and moved my furniture from my old house an hr away to the new house. It was a very exhausting day for sure! We added about another 20 boxes to the already roomful we still have to unpack. Why do we have so much crap I have been selling stuff daily on FB and made another $80 last week on FB sales. We also got rent from all 4 of our renters and were able to put another $600 in savings, which got us to $12K!


In other news, we are still waiting for a bill from AC install at Rental #2, Electrician bill for hot tub rewiring at our house, electrician bill for heating repair at our house, and once my CC due date gets here we have to pay for my property taxes....so that is the fun we are expecting soon!


MO (My one) has gotten on board with me to do a 21 day fix! I am super excited that he is on board. We both need to lose some weight, we had a major "honeymoon" phase when we started dating and both gained about 20lbs. I have a lot of workout DVDs, so I wrote them all done on scraps of paper and put them in a bowl, 18 totals workouts (P90X3 workouts, some Shape DVDs, 21 Day Fix workouts) and had MO draw one today...P90X3 The Warrior...waita ease into things.....LOL! Monday morning he got up with me at 5am, we did The Warrior workout, had Shakeology for breakfast and he is armed with a grocery list to bring home. He also said he is going to buy a gallon jug of water and use that to measure his water intake. I am so proud of him/us! He is hoping to lose 20lbs and I am hoping to lose 10/15lbs. Would love to have that much off before the holidays start!
Today was day 3, we weighed in this morning and between the 2 of us, we are down 18.5lbs!!! Crazy!


And now on to FB sales...sold another $80 in junk this week! So happy to be making our house less cluttered and putting some $$ in our pockets!

Sale #270 (BH) $15.00
Bamboo Salad Bowl (Got as a gift never used)
Sold for $15.00
Profit = $15.00

Sale #271 (JZ) $7.00
Spice Containers
Sold for $5.00
Profit = $5.00
*Plus 2 Halloween Bags for my Mom

Sale #272 (HL) $6.00
Discounted Items from CVS
Colgate Kids Strawberry Toothpaste (3) - I paid .19 (Free on CVS GC)
Sold for $2.00 each
Profit = $6.00

Sale #273 (JS) $1.00
Berenstein Bear Mug
Sold for $1.00
Profit = $1.00

Sale #274 (JD) $1.00
Star Stickers
Sold for $1.00
Profit = $1.00

Sale #275 (AN) $1.00
2 Squirt Bottles
Sold for $1.00
Profit = $1.00

Sale #276 (DI) $1.00
Misc Knives
Sold for $1.00
Profit = $1.00

Sale #277 (MG) $10.00
John Deere Socks (MO got these when Alco closed for pennies)
I had marked for $4.00 each, but did a deal to get rid of the last 3, 3 for $10.00.
Sold for $10.00
Profit = $10.00

Sale #278 (JC) $40.00
PS2 and games
Sold for $40.00
Profit = $40.00

We got paid from all of our renters/roomates and I was able to put $400 into savings from that. MO also put another $200 into savings from his paycheck, and quite a few small sales on FB, another $80 less in junk in our house!

We moved all of my furniture and 90% of my belongings today. I am EXHAUSTED! And now MORE unpacking...ugh! Just trying to take it slow so as not to be overwhelmed. Continue to post several items for sale daily.

Current Balance $11,330.00
+$2.98 Interest
+$7.02 Even Out Amounts
+$80.00 FB Sales
+$400.00 from renters to Mom Payback
+$200.00 MO Payday to Mom Payback
Balance $12,020.00

Local Savings $2055.00
GC Savings $2550.00
Capital 360 Savings (US) $2860.00
Capital 360 Savings (Mom Payback Account)$3305.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $12,020.00

I won the football pics again! I have won 2 of the 7 weeks so far....and another week I tied for 1st, but lost the tie breaker. Pretty good for someone that doesn't know anything about football and just pics randomly....lol! I have sold $30 more worth of stuff on FB this week, but I have a bunch more sales waiting for pick up, so I am going to wait to deposit that for now. Also should have rental income in the next few days that we can put some of it into savings.

We are moving my furniture from my old house to our new house this weekend so it will be a busy one! Hope everyone has a great weekend!

Current Balance $11,235.00
+$70.00 Football Pic Winners
+$25.00 MO Payday to Our Savings
Balance $11,330.00

Local Savings $1975.00
GC Savings $2550.00
Capital 360 Savings (US) $2855.00
Capital 360 Savings (Mom Payback Account)$2700.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $11,330.00

52 Week Challenge
Week 43 $780(total) + $40 + $41 + $42 + $43(deposits) = $946

We are chipping away at savings, but we have some monster bills coming up.....so I am pretty nervous! My home insurance and car insurance are due. Also we had a new AC put in Rental #2 (my old house) a month or two ago and haven't received the bill for that yet...plus wedding pictures...and we had a repair man out to hookup the hot tub at the new house, I'm sure that bill will be here soon. YIKES! Just gotta keep sockin away the dollars and pay the bills as they come!

Current Balance $11,085.00
+$40.00 Last Week FB Sales
+$10.00 This Weekend FB Sales
+$100.00 Belated Wedding Gift
Balance $11,235.00

Local Savings $1905.00
GC Savings $2550.00
Capital 360 Savings (US) $2830.00
Capital 360 Savings (Mom Payback Account)$2700.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $11,235.00

52 Week Challenge
Week 39 $703(total) + $38 + $39(deposit) = $780

Still chugging along with selling, mostly items we are finding that we don't need as we unpack. I have about $20 more in sales lined up for pickup so far this week.


Sale #267 (JC) $4.00
Lysol Refill Soaps (We no longer have the holder)
Sold for $2.00 each (2)
Profit = $4.00

Sale #268 (AKA) $1.00
Dixie Paper Cups
Sold for $1.00
Profit = $1.00

Sale #269 (MG) $4.00
Parchment Triangles for cake decorating
Sold for $4.00
Profit = $4.00

I also sold 2 pairs of new boxers for $4.00 a piece, and 4 Halloween Bags for $1.00 a piece for my Mom.

MO wasn't feeling well for a few days last month and went into the clinic. We got the bill a few days ago, $227.70. I called to pay it from my HRA and they OFFERED a 10% discount if we paid in full! So we got a discount of $22.70! Nice to see something good for paying your bills on time! I paid the bill from my HRA account. I still have $10,300 remaining in that HRA account.

I completed our Open Enrollment for my health insurance today. Sadly I did not meet the metabolic testing requirements so I have a higher premium then last year. My premium will be $54.50 a paycheck for me and MO. Hopefully when they re-test later this year I will meet it and that would lower the premiums a bit. My employer will contribute $800 to the HRA in Jan, so that will be a nice bump to that account!

As MO and I are still unpacking and organizing, I am making sure we have a central place for important items that we don't want to lose! I bought this AMAZING cute desk and file cabinet set (Wish I could post a pic for you!) it is painted turquoise and distressed look, the top has an old tan world map imposed onto it....hard to describe without seeing it, but trust me it's adorable! The file cabinet is also wooden and painted the distressed turquoise, and it has a mail holder built into the top and the slots are perfect to used to keeping all of our giftcards. We have a lot of them floating around right now since we received quite a few for wedding gifts, as well as random ones from before.

Applebees $20.00
Applebees $25.27
Barnes & Noble $5.00
Barnes & Noble $10.00
JCPenney $25.00
MasterCard $100.00
Target $5.00
Target $5.00
Target $5.00
Target $10.00
Target $20.00
Target $50.00
Target $50.00
Texas Road House $50.00
Walmart $10.00
Walmart $11.36
Walmart $20.00
Walmart $35.00
TOTAL - $456.63

Still working on selling misc house items as I am unpacking as well as selling some new (bought to sell) items.

Sale #260 (BH) $10.00
Sketchers Sneakers - From my closet
Sold for $10.00
Profit = $10.00

Sale #261 (MT) $2.00
Beach Shower Curtain - From MO's old house
Sold for $2.00
Profit = $2.00

Sale #262 (SOM) $15.00
Salad Spinner
Sold for $10.00
Profit = $10.00

Cheese Grater
Sold for $5.00
Profit = $5.00

Sale #263 (JZ) $5.00
Free Items from Menards
Halloween Pumpkin Leaf Bags (5) - Free on rebate
Sold for $1.00 each
Profit = $5.00

Sale #264 (JSM) $1.00
Free Items from Menards
Halloween Pumpkin Leaf Bags (1) - Free on rebate
Sold for $1.00 each
Profit = $1.00

Sale #265 (S) $3.00
Free Items from Menards
Halloween Pumpkin Leaf Bags (1) - Free on rebate
Sold for $1.00 each
Profit = $1.00
*Also 2 Halloween bags for my Mom

Sale #266 (SR) $15.00 - Joint with my Mom
Discounted Items at CVS
Almay Shadow Softies (6) - We paid .38 each
Sold for $2.50 each
Profit = $12.72

I also sold 7 more Halloween Bags for my Mom.

We have a Uhaul rental set up to move my furniture from Rental #2 (My old house) to our new home on Nov 1. Lots of packing up and purging to do before then! I have been unpacking MO's stuff and putting tons of stuff for sale on FB to get ready of misc items that we do not need. Made about $30 this week selling what I would call "junk" (Don't tell MO I call it that!) LOL! I also packed and moved my shoes to the new house, and managed to part with 6 prs, 3 to the trash, and 3 to sell. I sold one so far. It always feels so good to get rid of unneeded/unused items!

Nov will be our first month paying 3 mortgages. Saying that makes me feel a little nervous, but with the renters we have, we are actually only paying $500 OOP total for all 3 mortgages, so as long as everything goes fine with our renters we should be smooth sailing.

I am also changing my car insurance and home insurance to be added to MO's and will have some small savings with that. MO is having Escrow taken off of Rental #1, so that payment will go down, and we should also get a refund check to put into savings.

Working about 10hrs a week of OT (my job has unlimited OT) so that helps the bottom line as well.

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Loan from Mom $14,247.50
Store Loan $13,567.74
HELOC $29,571.90
MO Mortgage $88,557.15
My Mortgage $158,800.00
Our Mortgage $256,500.00
Total = $561,244.29

$410.68 paid off in the last 2 weeks.

Starting total was $584,391.18.
$23,146.89 paid off since 6/19/15 (including downpayment on house)

We have $2675.00 in a savings account to pay off my Mom, so the amount we still owe her is $11,572.50.

MO got his yearly dividend check from the local gas station, nice little boost! Then even out deposit and payday deposits!

Current Balance $10,885.00
+$141.51 Dividend Check
+$8.49 Even Out Amount
+$25.00 Payday to Our Savings
+$25.00 Payday to Mom Loan Savings
Balance $11,085.00

Local Savings $1755.00
GC Savings $2550.00
Capital 360 Savings (US) $2830.00
Capital 360 Savings (Mom Payback Account)$2700.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $11,085.00

52 Week Challenge
Week 39 $703(total) + $38 + $39(deposit) = $780

All of our little snowflakes to savings are adding up quickly! We had a few more rebates come in from beer purchased for the wedding. For coed softball we paid the players fees upfront back in August, and then the players reimbursed us. The last player reimbursed us this week, and since we already covered that cost months ago we were able to just put that $30 in savings. A few FB sales, MO's payday, and apparently I either added wrong or forgot to add in a few deposits, so I corrected the balance.

Current Balance $10,670.00
+$12.00 Budweiser Rebate
+$12.00 Coors Rebate
+$30.00 Softball Money
+$12.00 FB Sales
+$4.00 Even Out Amount
+$25.00 MO Payday
+$120.00 Missed Deposits
Balance $10,885.00

Local Savings $1605.00
GC Savings $2550.00
Capital 360 Savings (US) $2805.00
Capital 360 Savings (Mom Payback Account)$2675.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $10,885.00

52 Week Challenge
Week 39 $703(total) + $38 + $39(deposit) = $780

Now that all the craziness is simmering down (still have a lot of boxes to unpack, but we are going in the right direction!) I am trying to get back into FB Sales. I want to get back into posting a few items a day. I had a few sales this week and have quite a few items up for sale, so that is good. Goal is to consistently sell a few things a day, keep the money coming in with out being overwhelmed by it. Trying to work on the items I bought to sell, as well as getting rid of misc. items we found in the move.


Sale #256 (AS) $7.00
Columbia Fleece - From MO's Closet
Sold for $7.00
Profit = $7.00

Sale #257 (SDC) $3.00
Set of 3 small vases - From MO's cupboards
Sold for $3.00
Profit = $3.00

Sale #258 (HC) $3.00
Discounted Items from Walmart (Joint with my Mom)
Ever After High Nail Polish Kit - We paid $1.30 after tax
Sold for $3.00
Profit = $1.70

Sale #259 (CC) $5.50
Discounted Items from Walmart (Joint with my Mom)
Hard Candy Eyeshadow - We paid .88 after tax
Sold for $3.50
Profit = $2.62

Also sold 2 packs of Halloween hanging ghosts for my Mom, 2 for $1.00 each.

Test!




Sad pics are still not working......it has been a couple of months now, has anyone heard anything on this or know who we can contact to try to get pics back?

As if I needed another reason to LOVE my Discover Card....a few weeks ago I called them to change my name since I got married last month. Not only was the process painless (as is everything with their customer service!) but now I received a wedding card in the mail from the rep that helped me change my name and address, a very sweet note from them, as well as a $15 Discover Giftcard! I have had a Discover as my credit card of choice since I was 17 and will be a happy and loyal customer for life!

I would like to sell my old wedding set. I have never sold any jewelry before, so I am looking for any suggestions on where/how to do so. I checked with the retailer where the set was purchased from (Zales) and they stated that they do not buy back jewelry, but that they would use it as part of an exchange it for an item of double the value paid for the rings. So the ring was $5000, XH paid cash so they discounted down to $3500. So Zales will give me $3500 credit towards a $7000 purchase. If I was in the market for more jewelry, then I would say this isn't a terrible deal, but I don't need anymore jewelry, and certainly not $7K worth!

I also went to a pawnshop, just to get an idea on what they would pay....$400! UM no thanks!

MO also tried to look online about selling it, but that didn't seem to promising either.

I realize I will not get anywhere near what the ring is worth, but I really don't think I would want to sell it for less then $2K. It is a beautiful set, 2 carats total, and I have all of the paperwork for it.

MO mowed his cousin's property out at the lake this summer, and yesterday his cousin gave him a check for $500 for mowing! Sweet! We were only expecting about $300, so this was a great surprise! We also got a small rebate from beer that we had bought for the wedding.

MO and I have been talking about our current goal (paying off the money my Mom loaned us, balance is currently $14,247.50) and how long it would take us to pay her off. Now that we are done with all of the house, wedding, trips, we don't have anything planned for upcoming trips/events. We have been talking about taking a little group trip to Laughlin (we get free flights and free rooms there) with some of MO's family in March. And wouldn't it be nice to have my Mom paid off by then?? We talked it over and we think if we tried really hard we could make it, and that would be a lovely "prize" for paying her off. So are going to work hard to have enough in savings to pay her off, have money for the trip, and still have a little left in savings for EF, then when we get home, we will start over again on savings, and would only have HELOC, store loan, and mortgages left. We are going to cut eating out and gambling as much as we can. I went grocery shopping yesterday and stocked up the pantry some, and I plan on getting some crockpot meals, and maybe even some freezer meals lined up soon. The loan we originally set up with my Mom was for 4 years, so if we could pay it off in 9 months that would be amazing!

Current Balance $10,150.00
+$12.00 Budweiser Rebate
+$8.00 Even Out Amount
+$500.00 MO Lawn Mowing Money
Balance $10,670.00

Local Savings $1535.00
GC Savings $2550.00
Capital 360 Savings (US) $2755.00
Capital 360 Savings (Mom Payback Account)$2580.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $10,670.00

52 Week Challenge
Week 39 $703(total) + $38 + $39(deposit) = $780

Current Balance $9,280.00
+$800.00 Money brought back from Denver
+$.58 CapOne Interest
+$4.42 Even Out Amount
+.33 CapOne Interest
+$4.67 Even Out Amount
+.10 Local Savings Interest
+$9.90 Even Out Amount
+$25.00 My Payday to Mom Payback Savings
+$25.00 My Payday to Our Savings
Balance $10,150.00

Local Savings $1515.00
GC Savings $2550.00
Capital 360 Savings (US) $2755.00
Capital 360 Savings (Mom Payback Account)$2080.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $10,150.00

52 Week Challenge
Week 39 $703(total) + $38 + $39(deposit) = $780

Has anyone else checked out jet.com? It is supposed to be a site where you can get big savings on everything from toilet paper to TVs. I had seen commercials for it, but didn't check it out till today when I got a flyer in the mail for $15 off a $50 purchase. I browsed the site, mostly for the kinds of items I resell (HBA) since I am most familiar with price points for those items. Everything seemed to be about the same as Target prices....has anyone else used this site or had thoughts on their prices? The only item I found for cheaper then I could get buying locally was Beneful Dry Dog Food. MO is the one that buys that, and he said he pays $15+ per bag, it was $13.35 on the website. On the site, the more you buy, the more you save (I am not sure what the equation is for that), so I got an extra $1+ off for buying 4 bags, I used the $15 off $50, and also got free shipping. So for 4 bags of 15.5lb Beneful it came to $37.05, $9.26 per bag! So we saved over $6 per bag which is a great deal for a product we need, but without the flyer/coupon prob wouldn't have ordered from them.