Banker Gurl's More Bang For Your Buck!

I am back from vaca to Denver! We had a great time and got to see sooo much! The trip ended up being a group trip of 8 friends/family, with many more meeting us at the football game.

We went to the Vikings/Broncos game, Black Hawk Casinos, Dinosaur Ridge, Cheyenne Mountain Zoo (AMAZING!), ghost town, and dinosaur museum. Everything went great and the people in Denver were so friendly. We ate too much, drank too much and spent too much..... = Great Vacation! We spent time with MO's family, but also had a whole day alone as well which was wonderful.

Now FINALLY after a year of craziness,(moving to a new town and work at home employee, getting engaged, getting married, finding a renter for my house, buying new house, finding renter for MO's house, trips to Las Vegas, Boston and Denver...all of these things occurred in only a 6 month time frame!), we may have some normalcy for awhile. We will be settling into our new home, enjoying hunting season, and getting ready for the holidays.

Sooooo...as you know if you read my blog, I got divorced last year after 7 years of marriage, 12 together total (XH wanted the divorce, I did not, I believe when you get married, you stay married, and you figure out your issues, not run away from them...Though now I am so happy that I did get divorced.) We had a LOT of problems, all stemming from his alcoholism (I am not a perfect spouse, but I was willing to work on and fix anything to save our marriage, he was very clear that he would never stop drinking). We divorced as amicably as you can considering it is a divorce and I did not want it, we had no children, we split everything evenly, no lawyers. Shortly after I got divorced I met, well re-met MO (My One) and we started dating, I moved to his town, got engaged, and last month got married. I have had very limited contact with XH. He still gets some mail at my old house (I have reminded him many times to change his address, he moved out in May 2014....so a year and a half ago.....ridiculous!) so I occasionally text him to pick up his mail, but other then that I never initiate contact with him.

He occasionally texts me something random, when he sees something that reminds him of me, etc. This occurs about once a month, and I either ignore the text completely or respond nicely (but platonically), and don't prolong the conversation, answering with few words and no more then 1 or 2 replys (unfortunately I have a very hard time ignoring people because I know how much it hurts my own feelings to be ignored). We are both always nice to each other in texts, but I end the convo quickly and don't "reminice" with him.

Now a few days ago he texted me:

"Soooooo I have something I need to tell you before you see it on FB"

My reply "Let me guess. You got your girlfriend prego."

"Wow you are good"

He then continues to text me several more times about how he was so surprised and yadda yadda yadda. Meanwhile I don't respond at all and go on to have a complete and total breakdown including crying till I puke. XH and I tried for 7 YEARS to get pregnant. I can't even start to count how many drs visits, tests, DOLLARS, tears, depression.....and after all the testing we were told very clearly XH IS THE PROBLEM, XH CANNOT EVER HAVE CHILDREN. His numbers were outrageously low for every sperm test. My tests all came back clear and good to go. That all occured after about 2 years of trying, after that he wouldn't talk to me AT ALL about trying invitro, donor sperm, adopting, etc. So for the remaining 5 years of our marriage I waited for him to be able to talk about it and find out if I would ever get to be a Mom....that obviously never happened. After we were in the process of getting divorced he told me "I guess I don't really believe in that other stuff (children from non natural conception)....REALLY?!?!? Well that would have been nice to tell your WIFE 5 years ago!! Or maybe before we got married!! UGH!!!!!! So now he dates some girl (who already has 4 children and lives on the other side of the US) and a few months later she is pregnant.....WTF. Let me be clear I am not upset that he is having a baby with someone else. I am upset #1 because if HE CAN have kids, it sure seems like I am the one that can't. And #2 WHY IN THE HECK ARE YOU TEXTING ME ABOUT THIS??? I didn't text you when I moved to another city, I didn't text you when I got engaged, I didn't text you when I got married, I didn't text you when we bought a new house.....why not? Cause it's none of your business anymore and we don't need to know anything about each others lives! And he knows darn well how painful the baby topic is for me, so I guess he is just trying to be spiteful and hurt me.

So I have my mega breakdown, MO was not home, he was actually at my old house that we are renting out as we had coed softball that night so he went down to get some things done before our game. I get myself together and go down there, still not responding to any of the texts since the first one from XH. I go to softball and try to buck up, his life doesn't effect me so who the he!! cares. My parents come to the game, MO is on my team, and my super awesome BIL and SIL as well. At the end of the games I go get my phone out of my bag, and I have 5 missed texts, 3 missed calls and a VM from XH. The texts are things like "Bummed that you didn't respond" "Well hope life is good to you, I love you always" "I love you"... The VM is a long, clearly drunk VM of "I love you's and I miss you's and everything will be ok" Well that is awesome. For the last 6 months of our marriage when I said "I love you", his response was "I know". NOW he wants to give me "I love yous" BULLSH!T So it was terrible, MO was obviously outraged as he should be if someone is telling HIS WIFE that they love her and miss her. I didn't respond to any of the texts or call him back. That was a few days ago and I havent heard a peep since. Most likely he doesn't remember as he was definitely drinking. So I am torn between sadness and anger. How dare he do that to me. I just got married, I clearly moved on with my life but he feels the need to bring me down. I really hoped that getting divorced would be the rock bottom he needed to get help for his alcoholism, clearly it wasn't. I talked to my Mom and she made a good point about how lucky I was that I didn't get pregnant with X as then I would have been doing that all alone too, and having to explain to my kids why Dad punches holes in the wall, and can't walk straight or slurs his words.....true true.

So there is my drama fest for awhile....I was so mad and upset about it I had to wait a few days to even post this. XH and I still have our car insurance together (since we were amicable with each other it didn't seem like a big deal to temporarily leave the vehicles together and continue getting the multi-car discount) but now I will move my insurance and apparently will need to block XH's phone number, which is not something that I wanted to do, but he obviously doesn't understand what is acceptable contact, which I should have known by now since that is another reason we got divorced....SIGH.

Whoo hoo we got the check for the first month of rent for MO's house! Since we don't have to pay the mortgage on the new house till November, this is all "bonus" money for us, so I put the whole thing in savings. We do have a lot of extra expenditures right now ($700 propane bill, $210 carpet cleaning) but I still think we can swing it.

I also got my first payment coupon for the new house, so I set up an account on their website and set up automatic payments so we don't have to worry about late fees or anything with that.

I also set up automatic payments from my checking account to my Mom's savings account to pay her the agreed $300 per month for the loan we are paying to her. The more things are automated the better!


We leave tomorrow for Denver YEAH!!

Current Balance $8,005.00
+$1250.00 Oct Rent at Rental #1
+$25.00 MO Payday
Balance $9,280.00

Local Savings $1515.00
GC Savings $2540.00
Capital 360 Savings (US) $2725.00
Capital 360 Savings (Mom Payback Account)$1250.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $9,280.00

52 Week Challenge
Week 37 $561(total) + $34 + $35 + $36 + $37(deposit) = $703

Posting our 2 week debt update a few days early since we will be in Denver on Friday. Very excited for the Vikings Game and some much needed TLC after wedding, house closing, cleaning, packing, moving, rummage sale.....ooofta!!! Can't wait to relax with a chelada!

MO and I are each bringing $1000 for spending money on the trip (food/drinks at the game, souvenirs, gambling, etc.) Whatever we bring home from our spending money we will put into the Mom Loan Savings. I really think we can have that paid off in a year or less!

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 $13,678.42
HELOC $29,571.90
MO Mortgage $88,557.15
My Mortgage $159,100.00
Our Mortgage $256,500.00
Total = $561,654.97

$362.27 paid off in the last 2 weeks.

Starting total was $584,391.18.
$22,736.21 paid off since 6/19/15 (including downpayment on house)

We have $1250.00 in a savings account to pay off my Mom, so the amount we still owe her is $12,997.50.

I had a credit on my Chase card due to a return after I had already paid the balance on my card. Since that money was already "spent" I just requested a check and stuck it in savings to payback my Mom. I also took in our change cup...$37.78, so I put $35 in savings and put the $2.78 back in the cup for next time. Another drop in the savings bucket! Back over $8k!

Current Balance $7,745.00
+$225.00 Refund from Chase
+$35.00 Coin Jar
Balance $8,005.00

Local Savings $1515.00
GC Savings $2540.00
Capital 360 Savings (US) $1450.00
Capital 360 Savings (Mom Payback Account)$1250.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $8,005.00

52 Week Challenge
Week 37 $561(total) + $34 + $35 + $36 + $37(deposit) = $703

Still no pics...boooo!

Here are a few deals we grabbed right before the rummage sale and were able to sell most of them right away for some quick profits.

CVS Summer Clearance (Joint purchases)

Childs Sunglasses (Bought 1)
Regular Price $1.00
Clearance -.75
Final Price = .25
(Marked $1.00 for rummage sale)

Hair Ties (Bought 1)
Regular Price $1.00
Clearance -.75
Final Price = .25
(Marked $1.00 for rummage sale)

Sidewalk Chalk (Bought 2)
Regular Price $1.00
Clearance -.75
Final Price = .25
(Marked $1.00 for rummage sale)
*Sold 2 for $1.00 each at 9/23/16
Profit = $1.46

Coca-Cola Flipflops (Bought 1)
Regular Price $5.99
Clearance -$4.50
Final Price = $1.49
(Marked $3.00 for rummage sale)

Beach Bag (Bought 1)
Regular Price $14.99
Clearance -$11.24
Final Price = $3.75
(Marked $7.00 for rummage sale)
*ETA - Sold for $6.00 at 5/5/17 rummage sale
Profit = $2.25

Child's Swim Vest(Bought 3)
Regular Price $19.99
Clearance -$15.00
Final Price = $4.99
(Marked $10.00 for rummage sale)

Plastic Bucket Beach Toy Set (Bought 1)
Regular Price $7.99
Clearance -$6.00
Final Price = $1.99
(Marked $4.00 for rummage sale)

CVS Razor Deals

There were some great deals on Schick Razors in August as they had $4.00 off mfr coupons in the paper. (I will have to come back and adjust the quantities on these once I find out how many my Mom got)

Schick Disposable Razors 12ct bags (Bought 2)
Regular Price $9.99
-$4.00 Sales Price Each
-$4.00 Mfr Coupon
-$4.00 Mfr Coupon
-$3.98 CVS CMC Coupon
Final Price = 2 bags Free!!
(Marked $4.50 each for rummage sale)
*ETA - Sold 2 for $4.50 at 5/5/17 rummage sale

Schick Hydro Sensitive (4) and Skintimate Shave Gel (2)
Regular Price $12.29 Each/$2.99 Shave Gel
-$12.29 BOGO Free Coupon (2)
-$3.99 Skintimate Shave Gel Free Coupon (2)
*Received $10.00 EB (2) for spending $25 on Schick
Final Price - Skintimate, $1.00 Money Maker Each!
*ETA - Sold 2 for $2.50 each on FB on 8/22/16
*ETA - Sold 1 for $2.50 at 5/5/17 rummage sale
Final Price - Razors, $2.04 each
*ETA - Sold 1 for $7.00 at 10/1/16 rummage sale
*ETA - Sold 2 for $7.00 at 5/5/17 rummage sale


Menards Items - Free after rebate
Storage Jars
Rubberbands (6)
*ETA - Sold 2 for $2.50 at 5/5/17 rummage sale
SkilSlide (2)
KneePads (2)
Flip Flops (6)
*ETA - Sold 1 for $1.50 at 9/23/16 rummage sale
Vista Water Pitcher (2)
Screwdriver 6 in 1 (2)
*ETA - Sold 1 for $4.00 at 5/5/17 rummage sale
Keychain Tape Measure
Halloween Pumpkin Leaf Bags (10)
I don't have the quantities for these right now.

Things are going good here, still SUUUUPER busy.....maybe after Christmas things will slow down??

This last weekend we had a coed softball tournament, we took 4th place.....4 games in one day is getting to be too much for this lady! Our coed team is 6-0 for the season, so if we keep this up we should get 1st place!

We have just 6 more days to finish packing/moving our belongings to the new house. We have moved over a good chunk of furniture and lots of boxes already, but prob still 40% left to move. We are hoping to finish moving everything other then my office by 9/24. Since I work from home we can't move my office until my business internet connection is set up at the new house, which is scheduled for 9/25. We need to be completely done moving by 9/28 as that is when the carpet cleaners are coming to the old house, renters move in 10/1.

In October we will have $2650 coming in for rental income, but only $1450 in mortgage payments (we don't have to pay on the new house until Nov 1) so we will be putting $1250.00 into savings as soon as we get the rent check. We also have a lot of "new house" bills that we are dealing with (previous owner left propane tank on ZERO...$700, new fan for my office, light bulbs, cleaning supplies, etc.) but we are budgeting it all in as best we can and won't be adding anything to debt or having to take out of savings.




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 $14,499.17
Store Loan $13,789.02
HELOC $29,571.90
MO Mortgage $88,557.15
My Mortgage $159,100.00
Our Mortgage $256,500.00
Total = $562,017.24

$810.01 paid off in the last 2 weeks.

Starting total was $584,391.18.
$22,373.94 paid off since 6/19/15 (including downpayment on house)

We have $1025.00 in a savings account to pay off my Mom, so the amount we still owe her is $13,474.17.

The BIG rummage sale was last weekend and as usual it was crazy! We had beautiful weather (after an initial rain shower) and a great turnout! I won't have the breakdown ready for awhile while we are working on moving (and next week going to Denver!) but I do have the totals. Rummage sale as a whole did $8800!! MO and I did $3080!! We made over $1000 just on snacks! So I will get the breakdown up as soon as I can, but since I already have the money I wanted to get that part squared away.

We made $3080, we round it up to $3100. We are putting $1100 into our savings and taking $1000 each as our spending money to Denver next week. That will cover food, drinks, gambling, tailgating costs, shopping, etc. Hotels, flights and rental car have already been paid for.
Anything we bring home will go into the Mom Loan Savings account.

Current Balance $6,645.00
+$1100.00 3rd of Rummage Sale Money
Balance $7,745.00

Local Savings $1480.00
GC Savings $2540.00
Capital 360 Savings (US) $1450.00
Capital 360 Savings (Mom Payback Account)$1025.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $7,745.00

52 Week Challenge
Week 37 $561(total) + $34 + $35 + $36 + $37(deposit) = $703

MO signed us both up for a football pick game, I don't know anything about football so I was pretty sketical, but seemed like fun. It cost $85 per person for the whole season.

You pick the winners of every game for each week. Whoever has the most correct at the end of the week wins $70! (Bigger payouts at the end of the year). If a tie at the end of the week then whoever picks closest to the total score of the Monday night game wins. So I just randimely picked teams and somehow ended up winning! SWEET! I put the $70 towards the "Mom pay back fund".

Current Balance $6,645.00
+$70.00 Football Pick-um Wins
Balance $6,715.00

Local Savings $1480.00
GC Savings $2540.00
Capital 360 Savings (US) $350.00
Capital 360 Savings (Mom Payback Account)$1095.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $6,715.00

52 Week Challenge
Week 37 $561(total) + $34 + $35 + $36 + $37(deposit) = $703

MO got the lease signed and the deposit check for his place (where we are currently living). YEAH! So now we are working hard to get everything packed, moved and old house cleaned. We only have until about 9/28/15 as we are leaving for Denver to go watch the Vikings play the Broncos on 10/1/15. So far packing is going pretty well, I am trying to purge as much as I can as I pack, but since most of the items here are MO's (most of my stuff is still at my house except for clothes/toiletries) it is hard for me to sort as much as I would like. But getting rid of some is better then getting rid of none!

I opened a separate savings account with Cap360 for the $1250.00 deposit and we will count it towards our savings total, but we won't touch that money it will just sit there for the renter. The people we are renting to are a young couple with no pets and no kids and I am hoping they will be here for a long time.

Things continue to fall into place!

Current Balance $5,250.00
+$1250.00 Deposit for Rental
+$5.00 Addition Mistake on Local Savings Account
+$40.00 Closed out an old checking account
+$50.00 Sold MO's kitchen table (we will be using mine at the new house)
+$25.00 FB Sales
+$25.00 Payday Deposit (MO) to Our Savings
Balance $6,645.00

Local Savings $1480.00
GC Savings $2540.00
Capital 360 Savings (US) $350.00
Capital 360 Savings (Mom Payback Account)$1025.00
Capital 360 Savings (Rental Deposit Account) $1250.00
Total Savings = $6,645.00

52 Week Challenge
Week 37 $561(total) + $34 + $35 + $36 + $37(deposit) = $703

I had a couple of old sales slips/money in an envelope that never got logged.

Sale #252 (MR/RP) $10.00
Discounted Items from Wal-Mart
Herbal Essences (2 Dry Shampoo, 1 Shampoo, 1 Conditioner) - We paid $1.24 each
Sold for $2.50 each
Profit = $5.04

Sale #253 (AH) $20.00
Discounted Items from Wal-Mart
Herbal Essences (2 Dry Shampoo, 2 Shampoo, 2 Conditioner, 2 Bodywash) - We paid $1.24 each
Sold for $2.50 each
Profit = $10.08

Sale #254 (SC) $8.00
Discount Items from Wal-Mart
Glowsticks 75 Piece(2) - paid $1.00 (? need to get receipt from my Mom, but I think this was right)
Sold for $4.00 each
Profit = $6.00 (Joint purchase with my Mom)

Sale #255 (FG) $10.00
Discounted Items from CVS
My Magical Mermaids (3) - I paid .52 each
Did deal for 3 for $10.00
Profit = $8.44

I had a few deals that my Mom had done as joint purchases for us that I didn't get logged yet. Again, sorry no pic, as that is not working.....makes me feel very boring....lol.

Clearance at CVS:

Leather Belts (Bought 34)
Regular Price $5.99 each
Clearanced to .59 each (90% off)
Final Price after tax = .62 each
(Marked $4.00 each for the rummage sale)
*ETA - Sold 3 for $4.00 each at 9/23/16 rummage sale
*ETA - Sold 4 for $4.00 each at 5/5/17 rummage sale
*ETA - Threw one away on 5/5/17 that was broken

GUM Brand Toothbrushes 2pks (Bought 57)
Regular Price $3.99 each
Clearanced to .39 each (90% off)
Final Price after tax = .41 each
(Marked $2.50 per pack for rummage sale)
*ETA - Sold 1 for $2.50 on FB on 12/6/15
*ETA - Sold 2 for $2.50 each on FB on 12/13/15
*ETA - Sold 2 for $2.50 each on FB on 8/22/16
*ETA - Sold 2 for $2.50 each at 9/23/16 rummage sale
*ETA - Sold 1 for $2.50 at 10/1/16 rummage sale
*ETA - Sold 2 for $2.50 at 5/5/17 rummage sale
*ETA - Sold 12 for $1.25 each on FB on 12/4/17
*ETA - Sold 1 for $2.50 on FB on 12/17/17
*ETA - Sold 1 for $2.50 on FB on 1/27/19
*ETA - Sold 1 for $2.50 on FB on 2/25/19


Coupon Deal at Target
I don't know the details on this since I wasn't there.....

Herbal Essences Body Wash (Bought 24)
Final Price after tax = .92 each
(Marked $3.50 each for FB sales)
(Marked $3.00 each for rummage sale)
*ETA - Sold 2 for $3.50 each on FB on 8/2/15
*ETA - Sold 3 for $4.00 each on FB on 8/22/16
*ETA - Sold 1 for $4.00 at 9/23/16 rummage sale

Due to the house closing, wedding, and the BIG rummage sale I am late on posting this update. This is our update as of 9/4/15.

The BIG rummage sale went great, estimate of sales as of right now is $8500.00 (that is for the whole sale, not just for me). We made over $1000 just on snacks! I will post details on the sale once we have all of the sale sheets compiled.

Now onto cleaning the new house, moving in, and cleaning out the MO's old house for the rent moving in on Oct 1.....so that means we only have 2 weeks to get all of the moving and cleaning done!!

Celebrations for this update:

-The store loan is finally under $14K!
-We have opened a separate savings account to use for paying back the Mom Loan and we have over $1K in it!


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 $14,499.17
Store Loan $13,899.53
HELOC $29,815.81
MO Mortgage $88,712.74
My Mortgage $159,400.00
Our Mortgage $256,500.00
Total = $562,827.25

Starting total was $584,391.18.
$21,563.93 paid off since 6/19/15 (including downpayment on house)

We have $1025.00 in a savings account to pay off my Mom, so the amount we still owe her is $13,474.17.

Ok here is the $20K update after we closed on the house and wedding gifts. We will now be focusing on our savings as well as saving up to payoff my Mom in a large chunk, hopefully by next September.

We had the BIG rummage sale this weekend and it went great! Once I have the totals from that I will have a big deposit to make to savings.

Current Balance $25,000.00
+$865.00 Wedding gift deposit on 9/8/15 to local savings
+$180.00 Wedding gift deposit on 9/14/15 to local savings
+.29 Cap360 Interest Our Savings
+$4.71 Even Out Amount Our Savings
+$25.00 Payday Deposit (Me)to Our Savings
+.41 Cap 360 Interest Mom Payback Savings
+$4.59 Even Out Amount Mom Payback Savings
+$25.00 Payday Deposit (Me) to Our Savings
+$25.00 Payday Deposit (MO) to Our Savings
-$20,880.00 Down Payment/Closing Costs on New House
Balance $5,250.00

Local Savings $1400.00
GC Savings $2500.00
Capital 360 Savings (US) $325.00
Capital 360 Savings (Mom Payback Account)$1025.00
Total Savings = $5,250.00

52 Week Challenge
Week 37 $561(total) + $34 + $35 + $36 + $37(deposit) = $703

Here are the details for the new house and new home loan...I would put up pics if that ever starts working again....

The house is 3600 sq ft, 4 bedrooms, 2 baths, an office, a canning room, separate laundry room, 2 stall garage, huge fenced backyard with gazebo and hot tub. I love it! It does (like any house) have some things we would like to change, but nothing that needs to be done immediately, Unfortunately the seller left it a mess (what's new?!) so we do need to do some extensive cleaning before we move in, and since this week is the BIG rummage sale, it will have to wait another week.

The renters for MO's house have signed the lease and will be paying their deposit on Friday, we have already set up a separate savings account for that money to sit in.

We won't have to make a payment on the new mortgage until 11/1, so that will be nice to have a little extra cash flow for October.

The house appraised at $275K, we paid $270K (My Dad says it is a $300K house, but he isn't an appraiser, lol)....after down payment and closing costs, our new loan is $256,500.00. We have a 30 yr loan at 4.125% and our monthly payment is $1668.16. We were expecting our payment to be $1700+ so this was good news! PMI is $89.78 so I can't wait to get rid of that, of course we have other fish to fry first!

Can't wait to move in!

Yeah I am married!!!

On Wednesday right before I took off to the Lake for the wedding weekend, we closed on the new house. FINALLY! 1 more hr and they would have had to redo all of the paperwork with my new last name!


Wedding went without a hitch, we were expecting rain and thunderstorms all day, forecast said up to 90% chance of rain/thunderstorms. It stopped raining around 9am, and not a drop the rest of the day! It was overcast all day (which we were fine with as long as it wasn't raining) and then about 5 mins before the ceremony the sun came out and it was beautiful! Wonderful!!

Everyone had a great time, we had burgers (with cheese right in the patty), beer bacon and cheese brats, hotdogs, lots of different picnic salads, and cheesy hashbrowns. Adorable sunflower cupcakes and smores for dessert.

Then we had games set up (beanbags, horseshoes, volleyball, laddergolf, crochet, etc) for everyone to play on the beach followed by a bonfire. Volleyball was very popular and super fun! We are exhausted and happy come the end of the evening.

Since MO (My one!) and myself both already had our own homes and all the normal home items, we did not register for gifts, we did receive a few presents, but mostly cards with cash or giftcards, which will come in handy for furnishing and decorating our new home.

DF had some free play from the casino, turned it into $80 in real money. Sweet! Added the $80 to savings, plus $75 from FB sales for the last few weeks.

We were told we were closing on the house today at 10am, then it moved to 4pm, now I have no idea....le sigh!

Current Balance $24,845.00
+$80.00 Casino Win
+$75.00 FB Sales
Balance $25,000.00

Local Savings $355.00
GC Savings $2500.00
Capital 360 Savings $1265.00
Holding Money for Down Payment $20,880.00
Total Savings = $25,000.00

Here are FB Sales for the last 3 weeks of August. I didn't think I would be doing much selling before we moved.....but since that has gotten pushed back so much, I did acquire some sales money to log. Sales were $128.00.

My Sales

Sale #241 (DA) $5.00
Discounted Items from Staples
Photo Paper - I paid .50
Sold for $5.00
Profit = $4.50

Sale #242 (?) $15.00
Discounted Items from lids.com
UND Hat - I paid $5.00
Sold for $15.00
Profit = $10.00

Sale #243 (?) $10.00
Kohls Necklace - Found in DF's basement
Sold for $10.00
Profit = $10.00

Sale #244 (DA) $15.00
Spice Rack - DF's, but he never uses
Sold for $10.00
Profit = $10.00

Photo Album - I received as a gift several years ago, but never used
Sold for $5.00
Profit = $5.00


Joint Sales

Sale #245 (AKA) $8.00
Discounted Items from Target
Covergirl Mascara 2pk - We paid $3.97
Sold for $8.00
Profit = $4.03

Sale #246 (BJB) $8.00
Discounted Items from Target
Covergirl Mascara 2pk - We paid $3.97
Sold for $8.00
Profit = $4.03

Sale #247 (KHW) $8.00
Discounted Items from Target
Covergirl Mascara 2pk - We paid $3.97
Sold for $8.00
Profit = $4.03

Sale #248 (SR) $8.00
Discounted Items from Target
Covergirl Mascara 2pk - We paid $3.97
Sold for $8.00
Profit = $4.03

Sale #249 (SR) $31.00
Discounted Items from Target
Covergirl Mascara 2pk (2) - We paid $3.97 each
Sold for $8.00 each
Profit = $8.06

Knee Pads for Mom - $15.00

Sale #250 (JZ) $7.00
Discounted Items from Wal-Mart
Venus Snap Razor - We paid $1.65 each
Sold for $7.00 each
Profit = $5.35

Sale #251 (KK) $9.00
Discounted Items from Wal-Mart
Venus Snap Razor - We paid $1.65 each
Sold for $7.00 each
Profit = $5.35

Softsoap Handsoap (Mine)
I paid $1.00 each - Sold for $1.00 each
Profit = $0

My Mom and myself were purusing the clearance at Target and found these awesome Covergirl Mascara 2pks.

There were 2 kinds:
Full Lash Bloom (Bought 13)
*ETA - Sold 2 for $8.00 each on FB on 8/27/15
*ETA - Sold 1 for $8.00 on FB on 12/6/15
*ETA - Sold 1 for $8.00 on FB on 7/24/16
*ETA - Sold 1 for $8.00 at 5/5/17 rummage sale
*ETA - Sold 1 for $8.00 on FB on 1/12/20
Lash Blast Volume (Bought 5)
*ETA - Sold 4 for $8.00 each on FB on 8/27/15
*ETA - Sold 1 for $8.00 at 9/23/16 rummage sale


I am not positive on the original price, I think around $12.00-$14.00 per 2pk. They were on clearance and then we had a $1.00 off coupon for each one, and we paid $3.97 per 2pk. We marked each pack for $8.00 each.

(Sorry no pic since it's not letting me load pics to this site)

As we continue to try to get ready for the BIG rummage sale, in the middle of trying to finish everything up for the wedding, and the (hopefully) closing on the new house....I found a bag of CVS buys that I know I got somewhere around Dec/Jan....and never logged or marked them....and for some reason the receipt isn't in the bag or anywhere to be found, so I have no idea what I paid or what the original cost was?!

So not like me!

Soooo.....regardless I need to get this stuff marked and account for somehow....So here are my best estimate of what I paid:

*ETA - 4 months later, wedding, house buying and moving are done and I found the receipt! I updated the prices below.

Sally Hansen Insta-Dri Polish - I bought 1
Regular Price $5.49 Each
-$4.12 Clearance Price Each
Final Price = $1.37 Each
(Marked $3.00 each for rummage sale)

Sally Hansen Satin Glam - I bought 5
Regular Price $5.99
-$4.50 Clearance Price Each
Final Price = $1.49 Each
(Marked $3.00 each for rummage sale)
*ETA - Sold 2 to a coworker on 12/15/14 for 4 for $10 deal, $2.50 each
*ETA - Sold 2 for $3.00 each at 5/5/17 rummage sale

Sally Hansen I love Nail Art - I bought 2
Regular Price $3.99
-$3.00 Clearance Price Each
Final Price = $.99 Each
(Marked $3.00 each for rummage sale)

Sally Hansen Diamond Strength - I bought 9
Regular Price $5.49 Each
-$4.12 Clearance Price Each
Final Price = $1.37 Each
(Marked $3.00 each for rummage sale)
*ETA - Sold 1 to a coworker on 12/15/14 for 4 for $10 deal, $2.50.
*ETA - Sold 1 for $3.00 on FB on 11/5/17

Sally Hansen Sugar Shimmer - I bought 13
Regular Price $5.99 Each
-$4.50 Clearance Price Each
Final Price = $1.49 Each
(Marked $3.00 each for rummage sale)
*ETA - Sold 1 to a coworker on 12/15/14 for 4 for $10 deal, $2.50.
*ETA - Sold 1 for $2.50 on FB on 12/17/17

Sally Hansen Triple Shine - I bought 10
Regular Price 4.99 Each
-$3.74 Clearance Price Each
Final Price = $1.25 Each
(Marked $3.00 each for rummage sale)
*ETA - Sold 3 for $2.50 each on FB on 6/18/17

Sally Hansen Xtreme Wear - I bought 2
Regular Price $3.29 Each
-$2.47 Clearance Price Each
Final Price = .82 Each
(Marked all polish for $3.00 each for rummage sale)
*ETA - Sold 1 for $2.50 on FB on 12/17/17

Sally Hansen Nail Strips - I bought 5
Regular Price $9.99 Each
-$7.50 Clearance Price Each
Final Price = $2.49 Each
(Marked $5.00 each for rummage sale)
*ETA - Sold 2 for $5.00 each at 9/23/16 rummage sale
*ETA - Sold 1 for $2.50 on FB on 12/2/18

Herbal Essences Naked Shampoo - I bought 1
Regular Price $4.99
-$2.50 Clearance Price
-$1.00 Mfr Coupon
Final Price = $1.49

Vidal Sassoon Shampoo - I bought 5
Regular Price $4.99 Each
-$2.50 Clearance Price
-$2.00 Mfr Coupon (5)
Final Price = .49 Each!
(Marked $3.00 each for rummage sale)
*ETA - Sold 1 for $3.00 on FB on 11/30/15
*ETA - Sold 2 for $3.00 on FB on 7/4/16
*ETA - Sold 1 for $3.00 at 5/5/17 rummage sale

CVS Brand Diabetic Strips - I bought 3
Regular Price $11.99
-$2.00 Sale Price
*Received $9.99 EB
Final Price = Free!
*ETA - These 3 expired before they sold so I donated them on FB.

Triaminic Medicine - I bought 1
Regular Price $8.49
-$2.50 Sale Price
-$1.00 CVS Coupon
*Received $5.00 EB
Final Price = $.01 Money Maker!
(Marked $4.00 for rummage sale)

Eyebrow Shaping Kits - I bought 2
Regular Price $6.99 Each
-$5.24 Clearance Price
Final Price = $1.75 Each
(Marked $4.00 each for rummage sale)

Almay Color Stick - I bought 2
Regular Price $8.79
-$4.40 Clearance Price Each
-$3.00 Almay Mfr Coupon (2)
Final Price = $1.39 Each
(Marked $4.00 for rummage sale)
*ETA - 1 got broke, so had to take a loss

Lady Speed Stick - I bought 3
Regular Price $3.79
-$1.80 Sale Price
Final Price = $1.99
(Keeping this for myself)

My numbers may be a little bit off right now as the majority of my savings is in my checking account to pay for our down payment if we EVER get to close on this house! But here is my best estimate of where we are at for now.

Now the bank is telling us that closing is held up because they can't find a comparable home in the area to complete the appraisal.

We also opened a new savings account together in the town where we live so we don't always have to wait till the next time we go somewhere to deposit cash.
We had a $200 check we received as a wedding gift that we put in there to start it out.

Current Balance $26,605.00
+$25.00 DF Payday to savings
+$50.00 My Payday to savings
+$15.00 Bud Light Rebate
+$200.00 Wedding Gift
-$400.00 Payoff David's Bridal Card
-$2530.00 Payoff Ring
-$1400.00 Football trip
+$1700.00 Payday
+$580.00 DF Payday
Balance $24,845.00

Local Savings $200.00
GC Savings $2500.00
Capital 360 Savings $1265.00
Holding Money for Down Payment $20,880.00
Total Savings = $24,845.00


52 Week Challenge
Week 33 $406(total) + $29 + 30 + 31 + 32 + 33(deposit) = $561

Test


Hmmm...nope, still not working. Has anyone heard anything on if they are working to get that fixed or if there is anything we can do individually to fix it?

Well.....where to start!? Less then 2 weeks till the wedding! We are busting our butts to get everything done....my parents have offered to give us $500 to help with expenses so that is great, that will pretty much cover all of my clothing (dress, shoes, bra, undies, jeweled sash, and hair pins), so that is a huge help!

House Closing - STILL NOT DONE. The bank is being ridiculous....seriously every time we get them the giant pile of paperwork they asked for, then they ask for another big pile of paperwork. We have been working on this since mid June! They actually told us we needed to provide a signed and dated letter that said "Why we were moving down the street".....UM WHAT? We have to tell you WHY we are moving? So I typed a letter that said "I want a different house". So annoying! Lucky for the bank, DF has been handling 95% of dealing with them and he is less b*tchy then me...lol. But we are both pretty fed up. If this would have closed in a reasonable time frame, we could have been closed on the house 6 weeks before the wedding, and had time to get moved....as is we will probably close the week before or the week of the wedding, so we won't be able to work on moving, and the week after the wedding is the BIG rummage sale so we won't be able to move that week either, so instead of moving mid to late July, it will more likely be mid to late September! Grrr!


New Zeros - The bank also wanted us to make the numbers look a little better so they asked us to pay off the 2 cards we had balances on, David's Bridal ($400) and Ring - Iddeal ($2700). So we took money out of savings to pay those 2 off. It wasn't the way we wanted to do things, but it will be good to be rid of the ring payment ($213 per month). Yeah for 2 new zeros!!



New Goal - So now the next goal is paying off the loan from my Mom. Our payment is $300 per month, and interest is only 4%, so we should be able to pay it off relatively quickly, our goal is 1 year. Our plan is to just make our regular payments to her each month, and we will have a separate savings account that we will be putting any extra money into, once that savings account balance equals the balance we owe her, we will then make payment to her in full.


Celebrations for this update:

-2 new zeroes!

-Bad Debt race is under $30K!

-HELOC is under 30K!

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 $14,750.00
Store Loan $14,009.96
HELOC $29,815.81
DF Mortgage $88,712.74
My Mortgage $159,400.00
Total = $306,688.51

Down $3918.39 in 2 weeks!

Starting total was $314,391.18, so we are down $7,702.67 since 6/19/15.

Well it's a lot less fun without a pic of all my finds! But since the pictures aren't working right now, here is my deals the last few weeks.

Mobile Credit Card Reader (Bought 3)
Regular Price $9.99
*Received $9.99 EB on each
Final Price = $0!!

Softsoap Handsoaps (Bought 2)
Regular Price $2.57
-$.69 Sale Price
-$1.00 CVS CMC Coupon
Final Price = .88 ($1.00 after tax)
(Marked $1.00 for rummage sale)
*ETA - Sold 2 for $1.00 each on FB on 8/25/15
Profit = $0

Colgate Max Travel Packs (Bought 2)
Regular Price $3.39 each
-.53 CVS CMC Coupon ($4 off $14 oral care)
*Received $3.00 EB on each
Final Price = .12 each
(Marked $2.00 per 4pk for rummage sale}

Colgate Total 360 Toothbrush (Bought 2)
Regular Price $5.49 each
-$2.50 Sale Price Each
-$1.98 CVS CMC Coupon ($4 off $14 oral care)
*Received $2.00 EB each
Final Price = Free!
(Marked $2.50 each for rummage sale)

CVS Brand Toothbrush (Bought 1)
Regular Price $1.49
-$1.49 CVS CMC Coupon ($4.00 off $14 oral care)
Final Price = Free!
(Marked $1.00 for rummage sale)

I really can't figure out why I can't load pics on my blog. Both my computer and camera are working on other websites.....has anyone had this issue? Is there a max number of pics/data that my blog can hold?

Any ideas/input is appreciated! Thank you!

Current Balance $26,555.00
+$50.00 My Payday to savings
Balance $26,605.00

Local Savings $2500.00
Capital 360 Big Savings $20,475.00
Capitol 360 Little Savings $3630.00
Total Savings = $26,605.00

52 Week Challenge
Week 33 $406(total) + $29 + 30 + 31 + 32 + 33(deposit) = $561

Hi All! I have been MIA lately, things are just nuts here and I can't keep up!

The wedding is in less then 3 weeks! There is still so much to do and I am super stressed out and having bad dreams about things not being done on time!

The house closing is STILL NOT DONE. We are extremely frustrated. We provided everything that is needed for the loan, then weeks and weeks later we were notified that they needed more, completely unnecessary paperwork! MAD! Example: We need a signed and dated letter that says why you want to move down the street. For real?!?! #1 - Why do you care? #2 - Why is that your business?? If I want to buy a new house, I shouldn't have to explain that to anyone?! Grrrr!

I have been trying super hard to lose some weight before the wedding (unfortunately when DF and I start dating and I finally felt happy again I gained a bunch of weight). I am pretty frustrated as I have been trying really hard and just not getting anywhere.....add to the stress of the wedding and house and I feel like I am losing my mind!

Oh and did I mention the BIG rummage sale is just 4 days after the wedding.....so I have no prep time....

Also I hurt my leg pretty badly in June at a softball tourney, thought it would get better on it's own, it hasn't, so I have been going to PT a few times a week as well.

And now my pictures won't load on my blog at all.....I use this camera and computer for lots of other sites (FB, etc.) where I am posting pics and don't have any problems so not sure why it wont work here.....

So there is my rant! Praying for mid September to get here so I can breathe for a minute!

Here is my 2 week update! We are down $450.20 in 2 weeks, and $3784.28 since 6/19/15. My David's Bridal card went up a little bit as I had a few more items to buy for the wedding, but that one is at 0% until next June, so not worried about that one.

We are taking a trip to Denver in October to watch the Vikings play, it's my wedding present to DF.....unfortunatley as someone who isn't too interested in football....I had NO IDEA football tickets were so expensive! So next few updates might not be so good as I am funneling money to paying for the trip. Also still paying for wedding food, cake, and some other small items....and a $400 boat repair, and $150 vet bill...all kinds of NEW bills for me, who has never had a boat or a dog.....lol. All I can do is make sure we are at least going DOWN every update.

STILL WAITING ON THE HOUSE CLOSING!!

For whatever reason I can't load any pictures right now....so I will just list out the debts for this update.

Student Loan $0
Payback Savings $0
David's Bridal $400
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $2709.85
Loan from Mom $14,750.00
Store Loan $14,120.30
HELOC $30,059.00
DF Mortgage $88,867.75
My Mortgage $159,700.00
Total = $310,606.90

Starting total was $314,391.18, so we are down $3784.28 since 6/19/15.

Current Balance $26,475.00
+$80.00 FB Sales from Week of 8/2/15
Balance $26,555.00

Local Savings $2500.00
Capital 360 Big Savings $20,450.00
Capitol 360 Little Savings $3605.00
Total Savings = $26,555.00

52 Week Challenge
Week 33 $406(total) + $29 + 30 + 31 + 32 + 33(deposit) = $561

I am trying to get as much done as I can before the move, so documenting my sales for this week now, total sales were $87.50.

Moms Sales

10 Notebooks for $4.00
2 Pantene Shampoo/Conditioner for $2.50 each


My Sales

Sale #233 (SR) $5.00
Set of Animal Print Pillow Cases - Found in DF's closet
Sold for $5.00
Profit = $5.00

Sale #234 (LS) $12.00
Discounted Items from lids.com
Newborn Minnesota Twins Outfit - I paid $5.00
Sold for $12.00
Profit = $7.00

Sale #235 (PP) $8.00
Discounted Items from Menards
Notebooks(20) - Free after MIR
Sold 2 sets of 10 for $4.00
Profit = $8.00

Sale #236 (AH) $4.00
Discounted Items from CVS
Mini Bags of School Supplies
I paid .25 each
Sold 1 Push Pin, 1 Rubber Band, 1 PaperClip, and 1 Eraser for $1.00 each
Profit = $3.00

Joint Sales

Sale #237 (DC) $24.50
Bra I sold for my brother...left from old roomates = $10.00

For my Mom:
Grime Boss Duster Kits(2) sold for $2.00 each
Kids Mouthwash sold for $2.00
Right Guard Body Wash sold for $3.00

Discounted Items from CVS(Mine)
Softsoap Body Wash - I paid $1.00
Sold for $3.00
Profit = $2.00

Discounted Items from Target (Joint)
Herbal Essences Mousse - This was a .09 Money Maker
Sold for $2.50
Profit = $2.59

Sale #238 (KK) $10.50
Discounted Items from Target
Herbal Essences Body Wash - We paid $.92
Sold for $3.50
Profit = $2.58

Discounted Items from Wal-Mart
Venus Snap Razor - We paid $1.65 after tax
Sold for $7.00
Profit = $5.35

Sale #239 (SS) $10.00
Discounted Items from CVS
Women's Rain boots - I paid $5.31 after tax
Sold for $10.00 each
Profit = $4.69

Sale #240 (DH) $4.50
Discounted Items from Target
Herbal Essences Body Wash - We paid $.92
Sold for $3.50
Profit = $2.58

Discounted Items from CVS
Christmas Cookie Cutters - We paid .38
Sold for $1.00
Profit = $.62