Banker Gurl's More Bang For Your Buck!

Current Balance $25,565.00
+$25.00 BF Payday to Joint Savings
+.89 Interest on Joint Savings
+$4.11 Even Out Amount on Joint Savings
+$13.51 Interest on My Savings
+$16.49 Even Out Amount on My Savings
Balance $25,625.00

Local Savings $1660.00
Capital 360 Savings $22,400.00
Joint Capitol 360 Savings $1565.00
Total Savings = $25,625.00

52 Week Challenge
Week 18 $153(total) + $18(deposit) = $171

DF took in his aluminum cans and the ones from my house as well and we got $25 for that so we put it in joint savings. I spent $500 (Yes you read that right....NO I am not impressed with myself) at the casino in the last month or so.....Grrrr! I also have a $330 bill for my new desk, $430 bill for tickets to concerts at our State Fair this summer to cover....I def have the money for it but hate big expenses! Plus 2 trips in the next 2 months....oh well, we gotta live too! For now I am just taking the $500 out of savings, hopefully can swing the other bills out of checking. My OT has gone up a lot (30 hrs of OT in the last 2 weeks) and our eating out has gone done tremendously since we live in the same place.

Current Balance $25,990.00
+$25.00 Payday to Joint Savings
+$25.00 Payday to My Savings
+$25.00 Recycling to Joint Savings
-$500.00 Casino Losses
Balance $25,565.00

Local Savings $1660.00
Capital 360 Savings $22,370.00
Joint Capitol 360 Savings $1535.00
Total Savings = $25,565.00

52 Week Challenge
Week 17 $136(total) + $17(deposit) = $153

With moving, getting engaged, wedding planning, etc. I have not logged my sales since January! Yikes! I usually keep little post its (recycled from CVS Coupons I didn't use) with the money until I log it, so I should still have everything available to note it. Here they are in no particular order:

Sale #133 (??) $30.00
Discounted Items from CVS
Bunny Ears (15) - I paid .39 each (Free on CVS GC)
Sold for $2.00 each
Profit = $30.00

Sale #134 (MT) $5.00
Discounted Items from CVS
Dry Erase Calendar - I paid $1.62
Sold for $5.00
Profit = $3.38

Sale #135 (BB) $7.00
Discounted Items from Target
Venus & Olay Razor Pack - I paid $1.49
Sold for $7.00
Profit = $5.51

Sale $136 (TD) $8.00
Discounted Items from CVS
Digital Essentials Headphones - I paid $2.49
Sold for $8.00
Profit = $5.51

Sale #137 (HV) $13.00
Discouted Items from CVS
Disney Styling Head - I paid $4.25
Sold for $10.00
Profit = $5.75

Discounted Items from Wal-Mart
Olay Bodywash - I paid $1.24
Sold for $3.00
Profit = $1.76

Sale #138 (JP) $16.00
Discounted Items from Hot Topic
Black Bra with Hearts - I paid .75
Sold for $12.00
Profit = $11.25

Discounted Items from CVS
DE Earbuds - I paid $1.25
Sold for $4.00
Profit = $3.75

Sale #139 (HL) $7.00
LED Lantern - I paid $2.49
Sold for $7.00
Profit = $4.51

My Mom got into CVS when they had some 90% items!

So when DF was in town (We live about an hr away from my parents now) for softball practice this week he got everything from her so I could "process" it, log it for us, and start selling on FB!



Here is the booty:

Wet N Wild Nail Kits (Bought 8)
Regular Price $9.99
-$9.00 Clearance 90% off
Final Price = $1.05 each after tax
(Marked $7.00 each for FB, may go lower if we have any left for rummage sale)
*ETA - Sold 1 for $7.00 on FB on 6/1/15
*ETA - Sold 1 for $6.00 at 10/1/16 rummage sale
*ETA - Sold 1 for $6.00 at 5/5/17 rummage sale
*ETA - Sold 1 for $6.00 on FB on 11/19/17
*ETA - Sold 1 for $6.00 on FB on 1/27/19

Men's Signature Scent Collection (Bought 1)
Regular Price $9.99
-$9.00 Clearance 90% off
Final Price = $1.05 after tax
(Marked $7.00 for rummage sale)
*ETA - Sold for $3.00 at 5/5/17 rummage sale
Profit = $2.95

Men's Polo Set (Bought 1)
Regular Price $9.99
-$9.00 Clearance 90% off
Final Price = .99 each
(Marked $7.00 for rummage sale)
$1.05 after tax
*ETA - Sold for $7.00 on 4/27/15 on FB
Profit = $5.95

Chantilly Gift Set (Bought 1)
Regular Price $9.99
-$9.00 Clearance 90% off
Final Price = .99 each
(Marked $7.00 for rummage sale)
$1.05 after tax
*ETA - Sold for $7.00 on 4/27/15 on FB
Profit = $5.95

Women's Ballerina Style Slippers (Bought 2)
Regular Price $5.99
-$5.40 Clearance 90% off
Final Price + tax = .63 each!
(Marked $3.00 each for rummage sale)

Red Fleece Slippers (Bought 1)
Regular Price $9.99
-$9.00 Clearance 90% off
Final Price + tax = $1.05 each
(Marked $4.00 for rummage sale)
*ETA - Sold for $4.00 on FB on 11/15/17
Profit = $2.95

Easter Earbuds (Bought 41)
Regular Price $2.99 each
-$2.70 Clearance 90% off
Final Price = .31 each!
(Marked $1.50 each for rummage sale)
*ETA - Sold 1 for $1.50 on FB on 6/1/15
*ETA - Sold 2 for $1.50 each on FB on 7/4/15
*ETA - Sold 4 for $1.50 each on FB on 2/19/17
*ETA - Sold 2 for $1.50 each on FB on 4/9/17
*ETA - Sold 2 for $1.50 each at 5/5/17 rummage sale
*ETA - Sold 4 for $1.00 each on FB on 3/10/19
*ETA - Sold 2 for $1.00 each on FB on 3/25/19
*ETA - Sold 1 for $1.00 each on FB on 6/20/20

Disney Magnets (Bought 32)
Regular Price $3.00 each
-$2.70 Clearance 90% off
Final Price = .31 each after tax
(Marked $1.50 each for rummage sale)
*ETA - Sold 4 on FB for $1.50 each on 5/3/15
*ETA - Sold 2 on FB for $1.50 each on 5/18/15
*ETA - Sold 10 on FB for $1.50 each on 11/23/15
*ETA - Sold 1 for $1.50 at 9/23/16 rummage sale
*ETA - Sold 1 for $1.50 at 5/5/17 rummage sale
*ETA - Sold 2 for $1.50 each on FB on 6/18/17

Bag Clips (Bought 2)
Regular Price $2.00 each
-$1.81 Clearance 90% off
Final Price = .19 each!
(Marked $1.00 each for rummage sale)
.20 each after tax
*ETA - Sold 2 for $1.00 each on FB on 4/27/15
Profit = $1.60

Mattress Wedge (Bought 1)
Regular Price $19.99
-$15.00 Clearance 75% off
Final Price = $4.99
(Marked $15.00 for rummage sale)
$5.31 after tax
*ETA - Sold for $15.00 on FB on 6/22/15
Profit = $9.69

There was an awesome Almay coupon in the newspaper last week for $4.00 off 1 Almay item. Teamed with a BOGO 50% off sale at CVS and you got a super deal on Almay! I ended up getting 46 eyeshadows! My Mom got even more then me (she had picked some up from Kmart as well as they were running the same sale), not sure on the total yet, but we will combine them and sell them together once I get them from her. (ETA - I did a new entry for the eyeshadows on 5/12/15 to list them all out between me and my Ma)


Almay Shadow Softies (Bought 46)
Regular Price $5.49 each
-$1.36 each (BOGO 50% off sale)
-$4.00 Mfr Coupon on everyone!
Final Price = .12 Each!!
.38 each after tax
(Marked $2.50 each for rummage sale)
*ETA - Sales are listed in the entry on 5/12/15 so I could have them all together

Colgate Optic White Toothpaste 3.5oz (Bought 3)
Regular Price $4.59 Each
-$1.59 Each Sale Price
-$2.50 Each CVS CMC Coupon
Final Price = .50 each!
(Marked $2.50 each for rummage sale)
*ETA - Sold all 3 for 2.50 each at 9/23/16 rummage sale
Profit = $6.00

Easter Snowglobe Tumbler Cup (Bought 1)
Regular Price ? (It had no tag)
Clearanced Easter Item to $1.25
Final Price = $1.25!
(Marked $4.00 for rummage sale)
*ETA - Sold for $4.00 on FB on 4/27/15
Profit = $2.75 (Joint purchase with my Mom)

Total Home Snack Bags 50ct (Bought 2)
Regular Price $2.19 each
-$1.10 for BOGO 50% off sale
*Received $2.00 EB for buying 2 Total Home Items
Final Price = .64 each!
(Keeping these, they are working great for when I sell Almay on FB!)

Ghirardelli Chocolate (Bought 1)
Regular Price $5.29
-$3.97 Easter Clearance
Final Price $1.32
(Keeping this, I just needing something small to use a large EB and didn't want to lose the $1.32 I had left on my EB. I will keep it as an ER chocolate stash)

Today was Day 12 of P90X3! I had super happy with how it is going so far! I am down about 6.5lbs and even though it is TOUGH I really do enjoy it!

I have a good schedule set up now that I have moved to live with fiancé and work from home. I get up at 5am, go into my office/workout room and turn on my computer and DVD player. While they are booting up I go change into workout clothes, brush my teeth, fill my water, etc. Then I go log into my computer and while my programs are opening I do my 30-40 mins of P90X3. When I am done I shower and am ready to get to work by 6am. My schedule starts at 8am, so I get 2hrs of OT in every morning. I work for my 8hrs, and while working I try to do arm exercises, squats, lunges, etc. I often times have meetings via phone, or long hold times, and these are great opportunities to get in a few reps! My shift ends at 4:30 and I frequently work more OT (since I no longer have any commute time!) and then have the rest of the evening to do housework, be with DF, and relax. I try to be in bed by 10pm at the LATEST. One of the many things they stress on the P90X3 is to focus on getting enough rest. I am loving working from home, living with DF, and I also am really enjoying the P90X3, it keeps things fresh!


Food is still a struggle. I shouldn't blame anyone else....but honestly.....DF SUX at this! He says he will try to help me, support me, etc......then he brings home a pizza?! HUH?! He loves to eat and so do I and I have a hard enough time with willpower as is, but if it's not here, I CANT eat it....Bringing at here is already a fail for me....Blah...LOL. I am for sure vocal about how I feel about the bad food he brings home so hoping he is finally getting it.


I have not bought any pop for the house since I have been living here...about 2 weeks. I still have an occasional pop if we go out to eat. But I know that needs to stop too. I primarily drink water with Crystal Lite, I found a peach tea one that is AMAZING!


Today I went to the grocery store and made some BIG changes. I bought Silk brand milk. I got a cashew one and a almond/coconut blend, both are unsweetened. I love milk, I drink it a lot and I was extremely skeptical of these "weird" milks. But I tried both of them when I got home and I thought both tasted good! They were on sale for $3.50 which I guess is pretty good deal on this kind of milk. I also bought Miracle Whip Light (previously had been having mayo which I LOVE), also cottage cheese, wheat low carb tortillas (no more white bread sandwiches), a head of lettuce, bag of spinach, and low cal vinaigrette dressing. DF had already bought us a lot of healthy stuff (grilled chicken breasts, veggies, yogurt, etc.). I am excited about these changes I am trying especially with the milk, mayo, and bread changes.


For dinner I made a BOMB salad. Iceberg lettuce, spinach, fresh mushrooms, red sweet peppers, yellow sweet peppers, tomatoes, hard boiled eggs and jalapeno ranch. YUMMMMMMMY! The jalapeno ranch is less then half a jar left so I will finish that out and then switch to the vinaigrette which has a much lower fat content.

Reminder to everyone to use your vision insurance! Most vision plans have an eyewear allowance that is good either yearly or biyearly....even if you don't NEED new glasses or contacts, be sure to use this benefit! Don't let if go to waste! Make your apt now, so you don't have to try to remember at the end of the year when things are crazy with the holidays!


I used my allowance last year for glasses, so decided to use it for contacts this year.

I got my eye exam, contact lens exam and 36 contacts (lucky me my eyes are the same strength).

Eye Exam $0
Contact Lens Exam $25 (Not covered by insurance)
1 1/2 years of contacts $3
Total = $28.00!


SWEET! My contacts came to $203 and I have a $200 vision allowance every year. My vision insurance is free through my employer.

Another item off life's never ending TO DO LIST!

I recently bought a LOT of make-up, which generated several FREE $5 Beauty Club EBs. There hasn't been much in the add that I wanted so I was excited to find these clearance deals! Not a ton of profit based on the sale price, but based on the fact that they were mostly free with the EBs it was a great deal for me and a way to productively use my EBs! Plus I had 2 $10 EBs from a few weeks ago when I bought all that Pantene, so happy to find something to get with them! This purchase is shared with my Mom.

I put these on FB last night and I already sold 9 out of 12 items!

Memory Foam Pillows (Bought 2)
Regular Price $9.99
-$7.50 Clearance Price
Final Price $2.49 each
(Marked $5.00 each for rummage sale)
*ETA - Sold 2 for $5.00 each on FB on 4/27/15
Profit = $5.02

Memory Foam Men's Slippers (Bought 2)
Regular Price $9.99
-$7.50 Clearance Price
Final Price $2.49 each
(Marked $5.00 each for rummage sale)
*ETA - Sold 2 for $5.00 each on FB on 4/27/15
Profit = $5.02

Memory Foam Women's Slippers (Bought 4)
Regular Price $9.99
-$7.50 Clearance Price
Final Price $2.49 each
(Marked $5.00 each for rummage sale)
*ETA - Sold 1 for $5.00 on FB on 4/27/15
*ETA - Sold 1 for $5.00 on FB on 4/27/15

Memory Foam Women's Boot Slippers (Bought 3)
Regular Price $19.99
-$15.00 Clearance Price
Final Price $4.99 each
-$15.00 (3 $5 BC EBS!)
Final Price = Free!
(Marked $10.00 each for rummage sale)
*ETA - Sold 1 for $10.00 on FB on 4/27/15
*ETA - Sold 1 for $10.00 on FB on 4/27/15

Super behind! WHAT'S NEW?!?!? LOL

Had a $9.00 EB I needed to use so got some headbands for myself, they were 50% off! Also got a good deal on a mascara to sell.



Goody Ouchless Headbands 7pc
Regular Price $5.99
-$3.00 Clearance Price
Final Price = $2.99!

Physicians Formula Organic Wear Mascara
Regular Price $9.99
-$3.00 CVS CMC ($3.00 off any PF)
*Received $7.00 EB for spending $10 on PF products
Final Price = -.01! MONEY MAKER!
(Marked $5.00 for rummage sale)
*ETA - Sold for $5.00 on FB on 5/10/15
Profit = $5.01

Well I have finally started getting a few things done for the wedding.

We have a date - 9/5/15
We have a location - DF's Lake Cabin on Lake Sakakawea
We have an officiant - DF's brother is marrying us
We have a MOH - My cousin
We have bridesmaids dress color chosen - Dark Green (and possibly a dress but waiting to see what I get before she orders hers)
We have flowers picked out - Sunflowers
We have a plan for food - DF's grocery store deli will cater, hamburgers, brats, cheesy hashbrowns, pasta salads, etc.
We have a plan for cake - Cupcakes and a small cake for me and MH to cut.
We have a half of a guest list
We have some plans for getting chairs and decorations.
My brothers GF is doing my hair.
My step mom is doing my makeup, finger nails and toe nails.

So far we have spent $0.

I am feeling pretty good about where we are at considering we haven't actually sat down and done any planning!

The only thing I am concerned about now is getting a dress (I have been looking online, but haven't gone in anywhere yet), and a photographer (somewhat of a remote location, and I don't want to spend $1000s on a photog).

Current Balance $25,965.00
+$25.00 DF Payday to Joint Savings
Balance $25,990.00

Local Savings $2160.00
Capital 360 Savings $22,345.00
Joint Capitol 360 Savings $1485.00
Total Savings = $25,990.00

52 Week Challenge
Week 16 $120(total) + $16(deposit) = $136

Normally I would put another $10 in to get to the next $1000 mark, but I have several FB sales to log, and those will get me over that hump!

April 2015 Mortgage Payment

Balance $162,700.00
+$491.49 Interest
-$768.45 Regular Payment
-$273.04 Principle Payment
New Balance $162,150.00

Current Balance $26,315.00
-$350.00 Hot Tub Repair
Balance $25,965.00

Local Savings $2160.00
Capital 360 Savings $22,345.00
Joint Capitol 360 Savings $1460.00
Total Savings = $25,965.00

52 Week Challenge
Week 15 $105(total) + $15(deposit) = $120

Pantene 12oz Bottles (Bought 27)
Regular Price $4.99 Each
-$1.66 Sale Price Each
-$5.00 Mfr Coupon ($5.00 off 3)
-$5.00 Mfr Coupon ($5.00 off 3)
-$5.00 Mfr Coupon ($5.00 off 3)
-$5.00 Mfr Coupon ($5.00 off 3)
-$5.00 Mfr Coupon ($5.00 off 3)
-$5.00 Mfr Coupon ($5.00 off 3)
-$5.00 Mfr Coupon ($5.00 off 3)
-$5.00 Mfr Coupon ($5.00 off 3)
-$5.00 Mfr Coupon ($5.00 off 3)
-$6.00 Quarterly EB
-$1.00 Quarterly EB
*Received $10.00 EB for spending $30 on Pantene
*Received $10.00 EB for spending $30 on Pantene
*Received $10.00 EB for spending $30 on Pantene
Final Price = $7.91 for 27 Bottles!!
That's just .29 a bottle!!!!
*ETA - Sold 20 bottles for $2.50 each on FB on 6/22/15
*ETA - Sold 2 bottles for $2.50 each on FB on 6/22/15
*ETA - Sold 4 bottles for $2.50 each on FB on 6/22/15
*Kept 1 bottle, the basic care for DF
Profit = $57.46!!!

Even without the quarterly EBs it would only be .55 a bottle!

Also a great money maker deal on Colgate Toothbrushes!

Colgate 360 Optic White (Bought 2)
Regular Price $5.49 Each
-$2.50 Sale Price Each
-$2.00 CVS CMC Coupon ($2.00 off any toothpaste or toothbrush)
-$2.00 CVS CMC Coupon ($2.00 off any toothpaste or toothbrush)
*Received $1.50 EB
*Received $1.50 EB
Final Price = -$1.02 .51 Money Maker Each!!
(Marked $2.50 each for rummage sale)
*ETA - Sold 1 on FB for $2.50 on 11/30/15

Yikes I haven't done a $20K Update since 3/15/15! Sooooooo busy with everything but specifically moving to WAH....tomorrow is my last day in the office! I am so excited!!!

Current Balance $26,275.00
+$25.00 BF Payday to Joint Savings (3/23/15)
+$25.00 BF Payday to Joint Savings (4/6/15)
+$25.00 Payday to My Savings (3/30/15)
+$25.00 Payday to My Savings (4/10/15)
+$25.00 Payday to Joint Savings (3/30/15)
+$25.00 Payday to Joint Savings (4/10/15)
+$13.30 March CapOne Interest (Me)
+$1.70 CapOne Even Out Amount (Me)
+$.84 March CapOne Interest (Joint)
+$3.16 CapOne Even Out Amount (Done by BF)
+$.08 Local Savings Interest
+$4.92 Even Out Amount
+$16.00 BF sold some of the batteries we found!
-$150.00 Fix A/C in car
Balance $26,315.00

Local Savings $2160.00
Capital 360 Savings $22,695.00
Joint Capitol 360 Savings $1460.00
Total Savings = $26,315.00

52 Week Challenge
Week 12/13/14 $66(total) + $12 + $13 + $14(deposits) = $105

Just out for a relaxing Sunday drive in the country, hoping maybe we would find Df's license plate (that we lost when I hit the deer).....found this buddle of treasure instead! All of the packaging was very dirty, but everything inside was brand new and clean!
10 light switches, 20 electrical outlets, 2 sets of Ergo Fold Hex Keys, 10 Tru-Flate Plugs, 2 14pc Dewalt Gold Ferrous Drill Bit Sets, 2 8pc Jigsaw sets, 5000 Staple Gun Staples, 2 Sets of Bike Hooks, 4 Set of Command Brand Wall Hooks, 2 HomePak Picture Hanging Kits, 1 Elkind HexL Set, 2 Shut Off Valves, 2 Packs of Screw Eyes, and 36 packs of Energizer Max and EverReady Gold Batteries! WOWSA!

Will keep a few things, but will sell most!

*ETA - Sold 4 packs of batteries for $2.00 a piece to DF's coworker on 4/10/15
*ETA - Sold 2 Dewalt Drill Bit Kits for $10.00 a piece on FB on 5/3/15
*ETA - Sold 5 Electrical Outlets for .50 a piece on FB on 5/3/15
*ETA - Sold 5 Light Switches for .50 a piece on FB on 5/3/15
*ETA - Sold Wall Hanging Kit for $5.00 on FB on 5/3/15
*ETA - Sold Staple Gun Staples for $9.00 on FB on 5/10/15
Total Profit so far on found items = $47.00

I ordered P90X3 yesterday! Should be here in just a few days. Because I am going to be out of town and staying in a hotel room with other people for the weekend, I am going to wait till we get back to start it. I am SUPER excited about it! A big problem I have with excercising is I will just do what I want to....so I should be working out all body parts, and mixing cardio and strength training etc....but I HATE strength training...2 reason...#1 I find it VERY BORING....#2 I don't know what I should be doing and feel lost and discouraged....so when I go to the gym I just do cardio and go home. I am excited to have a routine that will tell me what to do everyday. If I start the first week of April, I should be able to do the entire program about 1 + 1/3 times before the wedding. We don't have a date yet, but planning for Aug/Sept as we want an outdoor wedding.

Tonight I am going to get all of the junk food out of my house. I am not a huge junk food person, but I do have some emergency chocolate that I eat way more then needed and just some other junky stuff like pizza rolls etc. I am just going to give it all to my Dad and bros. My Mom is super on board with helping me lose weight as well so that will be a great help.

I REALLY want DF's debt numbers so I can race them here too.....but he said he would like to work on them as much as he can before we get married and combine everything. We are both in support of being a team and working together once everything is combined, but he doesn't want to bring any more debt into the marriage then he has to, and I definitely respect that he is trying to improve things himself and not in anyway relying on the savings I will be bringing to the marriage to pay off his debts. He is def not careless or indifferent to his spending (though not on my level of obsessiveness, LOL), but recent expenditures on me (wedding ring set and a surprise trip in June) were bought on credit and he is working on paying those off/down. I believe my ring was over $9K and the trip was somewhere around $3K. Then he will just have his home loan and a HELOC. He has 2 vehicles which are both paid off and also 2 boats that are paid off.




Once we are married we will make the best plan to pay off both houses and the HELOC together. Probably the HELOC first (lowest balance), then his house, then my house. Then build OUR house and rent out both of our previous residences. I think we can rent both of our houses for $1500 a month each, and both of our mortgages are only about $700 per month each. So if all goes as planned (Does it ever??) we should have a very nice rental income each month and within 10-15 years have 3 paid off homes, one for our residence, and 2 rental properties. Cart in front of horse again....lol.




Game plan right now:

-Need to pick a wedding date, we are thinking Aug/Sept as we are getting married outside at his lake cabin, they have a huge beautiful deck overlooking the lake and we want to get married on the deck. Looking at a $5K budget to include everything other then my wedding ring.

-I ordered P90X3 today! We are both going to do the program as soon as it arrives. Wedding Bootcamp!

-I am only waiting for one more piece of computer equipment before my WAH should be all set to go. I have my new computer and phone already moved to DF's house, waiting for my router. I am waiting for my chair and desk too, but I can use other furniture till the ones I want get here.

-Today I am working on cleaning out tons of old, dusty junk at DF's house. It's a lot of work to move two households together, but it's rewarding as well, and feels GREAT to get rid of so much stuff! I already have 2 bags full of recycling, 1 of garbage and about 1/2 a box full for rummage sale. I organization! DF got a 70 inch TV FREE when he bought my ring, so once the cleaning is done this week, we will put up the new TV!

My roommate paid me $400 for the 2 1/2 weeks they were there in March and also paid $600 ahead of time for April! YEAH! I put it all against my mortgage. This month my mortgage went down $1800!! So excited!

Balance $163,700.00
-$1000.00 Roommate Rent
New Balance $162,700.00

Well firstly I left my phone in NV (HEADSLAP). I must have left it on the charter bus that takes us from Harrah's to the hotel because I know I had it all day the day we left and then when we landed DF had a text from my bro that Harrah's hand my phone. Lucky for me, someone turned it in (I don't have a smart phone or anything inappropriate on my phone, so woudn't have been a huge deal, but still happy not to have to get a new phone). I called Harrah's and they mailed my phone, it is supposed to be here on Wednesday......it is soooooo hard not having a phone....especially with DF living an hr away.

I had mentioned back around Sept that my AC on my car stopped working. Lucky for me again, it stopped working right when the weather was getting cooler, so I dealt with it and soon it wasn't a problem since I live in ND and is cold for many months. Well now we have been having some warmer days and it is miserable in my car. It wouldn't be too bad if I could just shut it off....but it actually blows HOT air at ALL times, even when I have the heat/air turned off. WEIRDNESS. So I do need to get that fixed ASAP as driving to DF's an hr away in 70 degree weather with the heater blowing on me is not a happy time! LOL

Lastly, DF and I have been speaking very generally about combining finances. We won't be doing that soon, we are just feeling things out for what will work for us. I am in a better position financially then DF, and due to past crash and burns (XH!!) I want to do a prenup. We aren't going to do a big lawyer induced pages and pages of legal mumbo jumbo. Just a general division of "this is what I am bringing to the table, this is what you are bringing to the table". We are each also most likely to inherit property from our parents/grandparents, and in the unfortunate possibility that we are no longer together, we want it noted that those properties are to stay with our families, not be divided up. Keeping it as simple as possible. Once we are married we will combine our assets and debts and work as a team! I don't care for separate finances, gives reasons to fight in my opinion. I like the unity of working towards mutual goals, as does DF (he is big on mantra of working as a team).

Any suggestions or comments welcome!

Current Balance $25,100.00
+$25.00 BF Payday to Joint Savings
+$25.00 Payday to My Savings
+$25.00 Payday to Joint Savings
+$1100.00 Money from Laughlin/Vegas Trip
Balance $26,275.00

Local Savings $2155.00
Capital 360 Savings $22,780.00
Joint Capitol 360 Savings $1340.00
Total Savings = $26,275.00

52 Week Challenge
Week 10/11 $45(total) + $10 + $11(deposit) = $66

March 2015 Mortgage Payment

Balance $164,500.00
+$496.93 Interest
-$768.45 Regular Payment
-$228.48 Principle Payment
-$300.00 Principle Payment (work bonus)
New Balance $163,700.00

I'm ENGAGED!



BF and I went to Laughlin and Vegas for vaca and he popped the question! YEAH! So excited and happy!!

Check out this AMAZING coupon I got from Playtex!


I got the coupon in the mail a few months ago, but have been holding on to it waiting for a perfect sale to use it on, and I finally got it! Playtex was on sale for $7.99 this week at CVS, and then got $3.00 EB for purchase, so I made $3.00 to buy them! SWEET!

Playtex Gentle Glide 40 ct
Regular Price $8.79
-.80 Sale Price
-$7.99 Mfr Coupon
*Received $3.00 EB
Final Price = Money Maker of $3.00!!

I got a few more things done this weekend for moving.

*Bought and installed 2 key locking doorknobs for my bedroom and my stockpile extra room.

*Bought key locking doorknob for my office at BF's house. (He will take that home to install)

*Moved some items out of roommates bedroom and into the extra bedroom (not finished yet though).

*Made house key for roommate.

*XH picked up his box of stuff, so that is gone.

*My giveaway coffee table was picked up.

*I took several bags of items that needed to go to my Mom's house up to her house, so that is another load of stuff out of the house.

*Scheduled eye apt, wanted to get that done before I moved so I don't have to make a seperate trip back to town for it. Need to use my yearly allowance for contacts. I had my dental apt last week, so won't have to worry about that for 6 months. (30 years, never had a cavaty!)

I was hoping to get more done, but just didn't happen. Oh well, progress is progress!

I am going to Laughlin/Vegas in 6 days, so switching from moving mode, to vacation mode. I need to get packed, get my house cleaned up, and make arrangements for bills etc., while I am out of town. So here is my To Do List for the week:

-Pack carry on bag
-Pack suitcase
-Pay electric bill
-Pay dental bill
-Clean kitchen
-Clean out fridge
-Empty dishwasher
-Take out garbage
-Pick up living room
-Vacuum living room
-Clean off kitchen table
-Clean out closets in extra bedroom
-Laundry
-Clean bedroom
-Take out bathroom garbage
-Mail
-Make March 2015 Calander
-Wax Eyebrows
-Paint toenails
-Pick up cash for trip
-Hair cut/color
-Visit friend and new baby!
-Pick up newspapers
-Menards Rebates
-Get library book for book club to read on plane

Ofta....In addition to that, I am hoping to work about 10hrs OT this week (since I won't have any next week) and also BF has State Darts tournament as well. Going to have to be diligent to get everything done!

We leave for our trip to Laughlin/Vegas on Sunday, so I transferred the money out of savings so I can get it out of the bank this week.

Current Balance $27,225.00
+$25.00 Payday to My Savings
+$25.00 Payday to Joint Savings
+.70 Joint Savings Interest
+$4.30 Joint Savings Even Out Amount
+$13.63 My Savings Interest
+$1.37 Even Out Amount
+$5.00 Even Out Deposit
-$2200.00 Laughlin/Vegas Money
Balance $25,100.00

Local Savings $2155.00
Capital 360 Savings $21,655.00
Joint Capitol 360 Savings $1290.00
Total Savings = $25,100.00

52 Week Challenge
Week 9 $36(total) + $9(deposit) = $45

Colgate 360 Optic White Toothbrush (Bought 6)
Regular Price $5.49 Each
-$2.50 Sale Price Each
*Received $2.00 EB on each
Final Price = .99 Each
(Marked $2.50 each for rummage sale)

CVS Brand Clifford Toothbrush 4pks (Bought 6)
Regular Price $6.49
-$4.00 Sale Price Each
*Received $2.00 EB on each
Final Price = .49 Each!
(Marked $4.00 each for rummage sale)

The team that BF coaches made it to regionals, so have been very busy traveling around the state to watch their games. Exhausting, but so fun! Tonight is the Regional Championship game, hopefully they win and get to go to State!

Since we have that going on, I haven't made as much progress as I would have liked to on getting things organized for moving...but a little here and there.

I found some more items of XH's cleverly hidden in an old coffee table that we probably never touched in the almost 8 years I have been in the house. I boxed them up and he should be picking it up this weekend.

I listed the coffee table, an old TV stand (like for a box shaped TV), and a lamp on FB to get rid of them as they are in the basement where my renter would be living. The TV stand was picked up right away (I posted for give away), the coffee table is supposed to be picked up Saturday (originally posted for $10, but changed to free as I need it out and it is quite old and a little scratched), and the lamp I sold for $5, it is supposed to be picked up tomorrow. Feels good to get this old junk out!

The bedroom where my roommate will be living is empty except for some rummage sale items in one of the closets. I started posting some of those items on FB last night, and will move everything over to the other extra bedroom this weekend so nothing is in there when he moves in. I had several peanut butter boxes of books from when I was younger, Jr High/HS age books and after a ton of rummage sales they are very picked over and don't move many of them any more, so I am trying to sell them by the box rather then individually. I posted about 5-6 boxes of books on FB last night, so hopefully someone is interested, otherwise will just put them in the closet till the next rummage sale. They are moving closer to the donation pile.

I texted roommate and he isn't sure on the exact date that he will be moving in, as he is busy with work. He offered to pay all of March rent even though he can't move in completely for a few weeks. I told him that is not neccessary, we can just prorate for whenever he moves in.

So goals for this weekend:
*Buy door knobs with key locks for my bedroom and study at my house, as well as my office up at BF's house (work requires we are able to lock the room when we WAH due to HIPAA).

*Make keys for roommate, house key and mail key. Also make extra keys for my car as I don't have a spare currently.

*Finish moving anything remaining in basement out of way for roommate (it is all cleaned, just a few items need to be moved).

*Clean up garage so roommate has room to park.

*Start packing what I can that can be moved now....first goal is stockpile of toiletries as I shouldn't need those.

So I just realized I didn't do my savings update for Feb! Oops! Well I will just do it today. Significantly higher then January 1st due to some good savings deposits and my HSA employer deposit etc.

Local Savings $2155.00
Capitol 360 Savings $23,810.00
Joint Capitol 360 Savings $1260.00
Total Regular Savings = $27,225.00

Rollover 401K $800
401K $40,660.93
IRA $10,234.29
Total Retirement = $51,695.86

HSA Savings = $10,810.38

Total Regular Savings $27,225.00
Total Retirement Savings $51,695.86
HSA Savings $10,810.38
Total Savings = $89,731.24

I had to take money of savings to cover all the fuel costs, and also other general overspending. The last 2 weeks I have been filling gas almost everyday or everyother day. Thank goodness I am moving soon so I can stop this fuel bill and also the wear on my vehicle from so many miles! The next 2 weeks are going to be terrible as well as BF's basketball team has made it to regionals and I want to go watch their games, which are all 90 minutes away. Booooo!

Current Balance $28,200.00
-$1000.00 To Checking to cover bills
+$25.00 BF Payday to Joint Savings
Balance $27,225.00

Local Savings $2155.00
Capital 360 Savings $23,810.00
Joint Capitol 360 Savings $1260.00
Total Savings = $27,225.00

52 Week Challenge
Week 8 $28(total) + $8(deposit) = $36