Banker Gurl's More Bang For Your Buck!

Just realized we are at 400K hits! That's great! Thanks again to everyone for reading and commenting!

We made it through January without buying any groceries! Well I did buy 2 gallons of milk, but that is it. We got rid of so much food in our pantry and freezer. Out of the pantry, tons of soup, boxes of rice-a-roni, macaroni and cheese, dry noodle mixes, chicken helper, pasta sauces, oatmeal, cereal, and canned fruit. And out of the freezer, lots of chicken breasts, pot pies, TV dinners, shredded cheese and bags of veggies.
DH is making the call on what we will buy for February. He would like to go another whole month without buying anything except for milk. I think this is a great idea as we did find a lot of things that needed to be used up before they went bad, but it is very hard for me to pass up the super deals I see at the grocery store. I am not much of a "grocery" shopper. I normally keep the house pretty well stocked and then just go buy things when they are on super good sale and don't have to worry about ever making a $100+ shopping trip or buying things when they aren't on sale or I don't have coupons for. But DH knows what he is doing, so I will follow his lead on this one, so far it's working great.

Nice little jump here! Plus we finally got our last W2 today! YEAH!

Current Focus = Long Term EF $520/$1000

Current Balance $23,950.00
+$100.00 to Long Term EF
+$100.00 to Sept 2013
+$100.00 to Retirement Hold Account
+$250.00 to Home Improvements
New Balance $24,500.00

Bingo Money (cash) $1000.00
ING $20,975.00 ($4620.00 Bingo Money)
Home Improvements(cash)$850.00
HSBC $1675.00
Total = $24,500.00

CVS has tons of great clearance right now as the are getting rid of winter scents to make room for spring/summer. Scored some great deals for the rummage sale inventory today.

Dial Naturals Tangerine and Guava Bar Soap 3pk
Regular Price $3.29
-$2.47 Clearance Price
-$1.00 Coupon from CVS Machine
Final Price +.18 Money Maker!!
(Marked for $2.00 for rummage sale)
*ETA - Sold for $2.00 at 9/4/14 rummage sale
Profit = $2.18

Dial Naturals Tangerine and Guava Body Wash 16oz
Regular Price $5.99
-$4.50 Clearance Price
-$1.00 Coupon from CVS Coupon Machine
Final Price $.49!!
(Marked $3.00 for rummage sale)
*ETA - Sold for $2.50 on 6/10/14 on FB
Profit = $2.01!!

Softsoap Vineyard Escape Scrub BodyWash 15oz(Bought 3)
Regular Price $4.79
-$3.60 Clearance Price
Final Price $1.19 each!
(Marked $3.00 each for rummage sale)
*ETA - Sold all 3 for $3.00 each at 8/23/13 rummage sale

Nivea Powerfruit Bodywash 16.9oz (Bought 3)
Regular Price $5.79
-$4.35 Clearance Price
Final Price $1.44 each!
(Marked $3.00 each for rummage sale)
*ETA - Sold 1 for $3.00 at 6/15/13 rummage sale
*ETA - Sold 1 for $3.00 at 9/5/13 rummage sale
*ETA - Sold 1 for $2.50 (4 for $10 deal) on 3/20/14 on FB
=$4.18 Profit on Nivea!

Clairol Nice'n'Easy Hair Color (Bought 3)
Regular Price $9.29
-$6.97 Clearance Price each
-$2.00 Mfr Coupon each
Final Price .32 each!!
(Marked for $3.00 each for rummage sale)
*ETA - Sold 2 for $3.00 each at 8/23/13 rummage sale
*ETA - Sold 1 for $3.00 at 9/5/13 rummage sale

This Is It Michael Jackson DVD (Bought 3)
Regular Price $24.99
-$22.00 Clearance Price
Final Price $2.99 each
(Kept one for myself and marked the other two $6.00 each for the rummage sale)
*ETA - Sold 1 for $6.00 at 9/4/14 rummage sale
*ETA - Sold 1 for $6.00 at 10/1/16 rummage sale
Profit = $6.02

Then 2 purchases to keep:

Febreze Car Vent Clips (Bought 2)
Regular Price $3.99
-$1.00 Sale Price
-$2.00 off 2 Mfr coupon
*Received $1.00 EB on each
Final Price .99 each!

Orabase Oral Pain Reliever
Regular Price $8.42
-$6.37 Clearance Price
-$1.00 Pelly Coupon on Product
Final Price $1.12!!

If I sold everything for what I have marked would be a profit of $31.87, plus it was all purchased on a FREE CVS Giftcard so actually would be $51.16!
We have 2 CVS stores, so may need to check out the other one for some more great deals!!

February 2013 Mortgage Payment

Balance $115,700.00
+$265.15 Interest
+$319.07 Escrow
-$1537.95 Regular Payment
-$446.27 Principle Payment
New Balance $114,300.00

Well the $24K was short lived. Hopefully our last W2 will get here soon so we can get our taxes done and get a nice big bump up to savings!

Current Focus = Long Term EF $420/$1000

Current Balance $24,175.00
-$200.00 To checking to help cover Christmas
-$28.00 To ROTH IRA
+$3.00 Even Out Amount
New Balance $23,950.00

Bingo Money (cash) $1000.00
ING $20,675.00 ($4620.00 Bingo Money)
Home Improvements(cash)$600.00
HSBC $1675.00
Total = $23,950.00

Check your newspaper inserts for $3.00 off Poise products, this coupon is also available in this months All You Magazine. I got 2 from the newspaper and one from my magazine,so got 3 Free Poise Items at Target!


Poise Hot Flash Comfort Body Cooling Towelettes 20ct
Regular Price $2.99
-$3.00 Coupon
Final Price - Free!!
(Marked for $1.50 for rummage sale)
*ETA - Sold 1 for $1.50 at 6/15/13 rummage sale
*ETA - Sold 1 for $1.50 at 9/5/13 rummage sale
*ETA - Sold 1 for $1.50 at 9/22/14 rummage sale
Profit = $4.50

Menards

The Planet Straightner and Defrizzer (Bought 5)
Regular Price $9.99
-$4.00 Sale Price per bottle
-$5.00 Rebate per bottle
Final Price .99 each!!
(Marked $3.00 each for rummage sale)
*ETA - Sold 1 for $3.00 at 8/23/13 rummage sale
*ETA - Sold 3 for $3.00 each at 9/5/13 rummage sale

All-Purpose Cleaner (Limit 2)
Regular Price $2.97 per bottle
-$2.97 Rebate per bottle
Final Price - Free!!
(Marked $1.50 each for rummage sale)
*ETA - Sold 1 for $3.00 at 8/23/13 rummage sale
*ETA - 1 Bottle broken so we are keeping for ourselves

Saw Blade (Limit 3)
Regular Price $3.49 each
-$3.00 Rebate each
Final Price .49 each
(Marked for $2.50 each for rummage sale)
*ETA - Sold 2 for $2.50 each at 6/15/13 rummage sale
*ETA - Sold 1 for $2.50 each at 8/23/13 rummage sale

Carpenters Pencils (Limit 2)
Regular Price $2.00 each
-$2.00 Rebate each
Final Price - Free!!
(Marked $1.50 each for rummage sale)
*ETA - Sold 1 for $1.50 at 9/5/13 rummage sale
*ETA - Sold 1 for $1.50 at 9/23/16 rummage sale

Valley Greene Brand Garden Seeds (Bought 20)
Regular Price .59 each
On sale for 20 for $1! Just .05 each!!


CVS

Suave 22.5oz Conditioner (Bought 2)
Regular Price $1.77
-.89 Clearance Price
-.50 each CVS Coupon Machine Coupon
Final Price .38 each!!
(Marked for $1.50 each for rummage sale)
*ETA - Sold 1 for $1.50 at 9/23/16 rummage sale

Good n Natural Protein Bars (Bought 5)(2 not pictured)
Regular Price $1.27
-.28 Sale Price each
-.99 Coupon for FREE Bar (5 coupons)
Final Price - 5 bars for FREE!!

Current Focus = Long Term EF $620/$1000

*ETA - Had to go back and add in another $20 to the ING accounts, guess I forgot to add a $20 somewhere.

Current Balance $23,755.00
+$100.00 Anniversary Crusie
+$100.00 ING Sept 2013
+$100.00 ING Long Term EF
+$100.00 Retirement Hold Account
+$20.00 Addition Mistake
New Balance $24,175.00

Bingo Money (cash) $1000.00
ING $20,900.00 ($4620.00 Bingo Money)
Home Improvements(cash)$600.00
HSBC $1675.00
Total = $24,175.00

So I just realized that we could go through all of January with only paying for gas and utilities! That would be fabulouso!

Food - DH mentioned yesterday that he would like to not buy any groceries this month (except for milk). We have tons of food in the cupboards and freezer, and he wants to try to use some of that up. Good plan hubby! Also we have giftcards for TGIFridays, Applebees, and Ruby Tuesdays that we got from Christmas, so our weekly eating out would easily be covered with those.

Toiletries/Misc - We are well stocked on everything, but if something did come up, I have my $100 CVS giftcard I got for Christmas, and also $30 in Target giftcards.

Gifts - We have no babies, weddings, BDs or gift holidays in January, whoo hoo!

Entertainment - We are pretty busy all month and have been going to the gym a lot, so other then the normal bills or netflix, cable and internet, nothing else should be needed.

Can't wait to see a nice tiny Discover bill for January!

I had a coupon for $2.00 off any hair care item that I got in the mail from CVS. Went and scoped out their clearance and got myself another FREE item!



Garnier Fructis Wonder Waves Spray
Regular Price $3.99
-$2.00 Clearance Price
-$2.00 CVS Coupon
Final Price +.01 Money Maker!!
(Keeping this)

TreSemme' Fresh Start Dry Shampoo (Bought 2)
Regular Price $2.57
-$1.29 Clearance Price
-$2.00 off 2 TreSemme products
Final Price .28 each! (Free CVS GC)
(Marked $1.50 each for rummage sale)
*ETA - Sold 2 for $1.00 each at 9/4/14 rummage sale
Profit = $2.00

Culturelle Probiotic (Bought 2)
Regular Price $26.49
-$16.49 Sale Price
*Received $10.00 EB
Final Price - FREE!!
*ETA - Sold 1 for $5.00 at 8/23/13 rummage sale
*ETA - Sold 1 for $5.00 at 9/4/14 rummage sale
Profit = $10.00

Emerson Coin Counter
Regular Price $9.99
-$7.50 Sale Price
Final Price $2.50! (Free CVS GC)
(Marked for $5.00 for rummage sale)
I thought about getting more of these, but don't like to buy too many large items to resell, especially if I actually have to pay anything for them.
*ETA - Sold for $5.00 at 9/5/13 rummage sale
Profit = $5.00

Countour Next EZ Meter
Regular Price $19.99
-$10.00 Sale Price
*Received $9.99 EB
Final Price - FREE!
(Marked for $7.00 for rummage sale)
*ETA - Sold for $7.00 at 9/5/13 rummage sale
Profit = $7.00

Peanut M&M 12.60 bags (Bought 2 for my Mom)
Regular Price $4.29
-$3.22 Sale Price
Final Price $1.07 Each!!
(Keeping this)

*ETA - I have sold everything that I purchased to resell in this entry and my profit was $24.00!!

Getting back to normal after the holidays. All the Christmas stuff is down and packed away. I went through it while I was packing it up and got rid of a few things, pulled out 3 to sell.

Finally got back in to the extra room to work on it some more. I am making it a New Years goal to work in that room for 15 min a day. I got the stockpile shelf all organized.


Here is the inventory:
96 double rolls of tp
10 Deoderant - DH
7 Deoderant - Me
17 Bottles Dishsoap
9 Shave Foams
1 Cream Shave
4 Shampoo (Most of these are in the toiletry closet)
4 Conditione(Most of there are in the toiletry closet)
2 Boxes Pur Absorb
18 Bottles 24oz Mountain Dew
2 (2) Liter Bottles of Pop
40 Gatorades/Powerades
5 Bottles Juice
10 Boxes Hamburger Helper
5 Jars Spaghetti Sauce
6 Cans Mandarin Oranges
3 Souper Meals
6 Ramen Noodles
6 Boxes Cereal
5 Jars Planters Peanut Butter
7 Chow Mein Meals

Items for rummage sale
6 Bottles Water (5 more cases in the basement)
9 Cases Pop
2 Boxes Capri Sun
4 Koolaid Juices

Great trip to CVS today!



Suave 22.5oz Conditioner (Bought 2)
Regular Price $1.77
-$.89 Clearance Price
-$1.00 Coupon from CVS Coupon Machine
Final Price +.12 Money Maker!!
(Marked $1.50 each for rummage sale)
*ETA - Sold 1 for $1.50 at 9/4/14 rummage sale
*ETA - Sold 1 for $2.00 at 9/4/14 rummage sale
Profit = $3.74

Mars Candy (Bought 2)
Regular Price $1.19
-.44 Sale Price
*Received .75 EB
Final Price - FREE!

So I got 2 bottles of conditioner and 2 candy bars and made .24!!

Also it's time for quarterly extra bucks! I scanned my card and got $4.50 for my Quarterly EB, and $2.00 for DHs Quarterly EB. Then when I made my purchases, DHs card printed out his EB again! So I got $8.50 in FREE money today!

I had $20 leftover from a previous Biggest Loser, so I threw that in the EF, then added another $5 of my own to get it to an even $500.00. Tomorrow is payday for me, my checks have been sweet with OT pay, but not making any additional transfers right now as the extra pay is going to the Christmas bills.

Current Focus = Long Term EF $500/$1000

Current Balance $23,740.00
+$20.00 from Biggest Loser to LT EF
+$5.00 to LT EF
+$100.00 to Retirement Hold Account
-$112.00 to Roth IRA
+$2.00 Even Out Amount
New Balance $23,755.00

Bingo Money (cash) $1000.00
ING $20,580.00 ($4620.00 Bingo Money)
Home Improvements(cash)$600.00
HSBC $1575.00
Total = $23,755.00

Happy New Year everyone! DH brought home $300 in Christmas money from the in-laws. He is keeping $50 for fun money and the other $250 I put towards the Long Term EF. We are already almost half way to that goal! Also added in our ING Interest.

Current Focus = Long Term EF $475/$1000

Current Balance $23,455.00
+$250.00 Christmas gifts to Long Term EF
+$12.02 ING Interest
+$22.98 Even Out Amount
New Balance $23,740.00

Bingo Money (cash) $1000.00
ING $20,565.00 ($4620.00 Bingo Money)
Home Improvements(cash)$600.00
HSBC $1575.00
Total = $23,740.00

January 2013 Savings Update - End of 2012 Savings Update

Regular Savings:
Bingo Money $1000
Home Maintanence ING $5005
Cushion $2560
HSA $6895
New Patio Door(cash) $600
September 2012 $740
Short Term Emergency Fund $1005
Long Term Emergency Fund $225
New Car $9660 - Complete
Vacation - $3020 - Complete
Anniversary Cruise $1575 - Complete
Total Regular Savings = $32,285.00

Retirement Savings:
Retirement Hold Account $615
Roth IRA $6360
Rollover IRA $890
401K $23,100
403B $18,000 (est)
Total Retirement Savings = $48,965.00

Total Savings - $81,250.00

Up $1,410.00 from last month and hit $80K! YEAH!

This same post last year we were at $57,890. So in one year we went up $23,360.00! And that is with a week long trip to Vegas, a 7 day Carribean Cruise, a weekend getaway to Wendover, a $3000 knee injury, refinancing the mortgage and paying extra principle payments every month! Wow, it's amazing what you can do penny by penny!

I had a $20 giftcard from Lowes that I got in December 2010. Lowes gave it to us when they messed up on our delivery of our washer and dryer. We normally don't shop there, so haven't used it after 2 years. A friend needed a Lowes giftcard for a Christmas present for a gift exchange, so I sold them mine, and added that $20 to the Long Term EF.
I also moved money from the at home Bingo money to the ING New Car Account.

Current Balance $23,435.00
-$620.00 from Bingo Money
+$620.00 to ING New Car
+$20.00 Sold GC to LT EF
New Balance $23,455.00

Bingo Money (cash) $1000.00
ING $20,280.00 ($4620.00 Bingo Money)
Home Improvements(cash)$600.00
HSBC $1575.00
Total = $23,455.00

Bingo Money
Tips total - $2006.61
Wage total - $3617.32
Total Bingo Money - $5623.93

I was just looking back at the balance for the $20K Challenge and I see we have been going up and down in the $23K - $24K range for a few months already. I wanna get out of this area and move ahead with savings. I think by the time school gets out in May we should be able to be at $27K.

Current Balance $23,000.00
-$28.00 to Roth IRA
+$3.00 Even Out Amount
+$10.00 to Long Term EF
+$100.00 to Long Term EF
+$100.00 to Sept 2013
+$250.00 to Home Improvements
New Balance $23,435.00

Bingo Money (cash) $1620.00
ING $19,640.00 ($4000.00 Bingo Money)
Home Improvements(cash)$600.00
HSBC $1575.00
Total = $23,435.00

Bingo Money
Tips total - $2006.61
Wage total - $3617.32
Total Bingo Money - $5623.93

I got some giftcards from work and have been rounding up the other ones we have...

$15 CVS - Remaining balance from Discover Rewards
$100 CVS - In my Christmas Stocking from DH!
$25 Ruby Tuesday - Won drawing at work
$20 Ruby Tuesday - Present from work
$50 Applebees - Purchased
$10 Applebees - Free for purchasing $50 GC
$50 TGIFridays - Gift from MIL for Christmas
$20 Lowes - Given to us when they messed up a delivery
$35 Target - Earned on a razor deal
$50 Walmart - This was from at least a year ago that I had won/earned at work. I really need to pick something fun for myself to use this on.

None of them have expiration dates or fees, but I just like to see where we are at to make sure we use them.

I went to CVS and stumbled on this great candy deal! They had the 11.18oz bag (the regular size bags for Halloween) of Fun Size Snickers and Fun Size Peanut Butter Snickers on sale for $1.00! I was just going to get about 10 bags for myself, but I called my Mom to let her in on the deal and she was with my Dad and bro and they both requested 10 bags a piece. So I picked up 30 bags for me, 10 for Dad, and 10 for bro.
I also used a $10 off a $50 purchase coupon making them even cheaper! So after my dad and bro pay me back for their candy, I got 30 bags for $20, which is .66 per bag!

Snickers - Bought 30 Bags
Regular Price $4.39 per bag
-$3.39 Sale Price per bag
-$10.00 CVS Coupon
Final Price $20, just .66 per bag!!
Plus I used a free

I saved over $190!! So I will leave one bag out for DH to munch on and throw the rest in the freezer for Halloween Candy for next year!! Sweet!!

January 2013 Mortgage Payment

Balance $117,150.00
+$268.47 Interest
+$319.07 Escrow
-$1537.95 Regular Payment
-$499.59 Principle Payment
New Balance $115,700.00

$25 of the principle payment was from the change jar.

I always use this great spreadsheet from vertex.com to figure out my payments and see our progress. Back in October I wrote down our balance and the month and then made a little chart showing what we would need to pay down each month in order to get under $100K by the end of 2013. So far I have checked off the last 4 payments (Oct-Jan) and we are $300 ahead of where we need to be to meet the yearly goal! WHOOHOO! Excited to continue this progress!

Well I started moving funds around and reorganizing my ING accounts so they are ready for the 2013 goals. I also updated my side bar to show the 2013 goals and the order of importance.

The Short Term EF is already met with $1000. So the next goal for the year will be the Long Term EF, goal is $1000, and right now I have $90 in it.

Also making plans of attack for the Home Owner and Weight Loss goals on my list.

Home Owner Goal - I am still discussing with DH, but he is on the same page as me that we need to make a plan and a list of what projects we want to get done this year, and focus on those instead of the big overwhelming picture.

Weight Loss Goal - DH and I both have gym memberships, but we tend to slack at that when we are busy (I had 13 hr of OT last week!!) but we need to put aside the excuses. Another friend of ours is joining the same gym we go to at the first of the year and he and DH used to run track in college together. They have decided to go to the gym together everynight during the week to lift together. So my goal is going to be to go with and do my own workout at least 3 days week. I would like to go with everyday, but I want to keep my goals realistic and I don't see everyday happening right now.
I am also going to do weekly weighins every Sunday morning with DH and making a monthly weight loss goal of 5lbs per month.
I will also send out an email at work and see if anyone would like to do the Biggest Loser again for New Years.

I think these plans will help me and DH have a fabulous and fruitfull 2013!

Current Balance $22,910.00
+$85.00 ING ROTH IRA
+$5.00 to EF
New Balance $23,000.00

Bingo Money (cash) $1620.00
ING $19,455.00 ($4000.00 Bingo Money)
Home Improvements(cash)$350.00
HSBC $1575.00
Total = $23,000.00

Bingo Money
Tips total - $2006.61
Wage total - $3617.32
Total Bingo Money - $5623.93

10/9/12 Brunos Pizza - Free Calzone $6.99
10/9/12 Brunos Pizza - Free Pop $2.29
10/16/12 Pita Pit - BOGO Free Pita $6.79
10/24/12 Gloria Jeans - BOGO Free Drink $5.09
10/27/12 Bonanza - Discount on meal $3.00
10/27/12 Cold Stone Creamery - Discount on 2 $3.34
10/30/12 Brunos Pizza - Free Med Pizza $10.99
11/2/12 Bonanza - Discount on meal $3.00
11/2/12 Bowling - BOGO Free Game of Bowling $4.50
11/19/12 Space Aliens - Free cup of soup $2.99
11/28/12 Brunos Pizza - Free dessert $3.99
12/19/12 Simonsons - .05 off per gallon .55
12/19/12 Simonsons - Free Fountain Pop $1.49
_________________________________
Total Saved $54.96

2013 Goals

Debt
-Continue to live debt free other then mortgage
-Get mortgage from $117,150 to under $100,000


Savings
-Short Term EF $1000
-Long Term EF $1000
-Sept 2013 $1800
-Home Maintenance $7000
-Vegas $3000
-New Car $10,000
-Anniversary Cruise $3000
-Cushion $3080
-HSA $10,000
-Any additional after goals are met will go to long term EF
-Total regular savings at the end of the year over $25K


Retirement
-Increase retirement savings to ROTH from $85 per paycheck to $100 per paycheck
-Review ING ROTH IRA Investments and reallocate so a larger portion is being invested


Other
-Lose 30 more lbs (Currently down 8)
-Work on being a better home owner (repairs, lawncare, gardening etc)
-Do quarterly review of progress on 2013 goals
-Live a positive life

The first 2 “other” goals are the same as last year. At one time this year I was down 26lbs (mostly due to stress) and I gained it all back.  I realize that last year I put those goals down, but didn’t set any steps to help me achieve them. So before the New Year I should have a list of steps to help me with the weight loss and the home owner goals.

Feeling very 1 step forward, 2 steps back right now.......

Current Balance $23,355.00
+$100.00 Anniversary Crusie
+$250.00 Home Improvements
-$795.00 Deadwood Trip
New Balance $22,910.00

Bingo Money (cash) $1620.00
ING $19,365.00 ($4000.00 Bingo Money)
Home Improvements(cash)$350.00
HSBC $1575.00
Total = $22,910.00

Bingo Money
Tips total - $2006.61
Wage total - $3617.32
Total Bingo Money - $5623.93

Gillette Custom Plus 3 (Bought 8)
Regular Price $7.99
-$11.99 BOGO Free Mfr Coupon (3)
-$7.99 BOGO Free Mfr Coupons (1)
*Received $10 EB for spending $30 on Gillette (2)
So that comes out to -.04!!
Made one penny a piece by buying these, and should make a nice little profit of $40 when I sell them.
(Free from CVS giftcard!)
(Marked $5.00 each for rummage sale)
*ETA - Sold 5 for $5.00 each at 9/5/13 rummage sale
*ETA - Sold 2 for $5.00 each at 9/4/14 rummage sale
1 left to sell

Depend Real Fit Mens 3pk (Bought 2)
Regular Price $4.49 each
-.50 Sale Price
-$1.00 Mfr Coupon
-$1.00 Mfr Coupon
*Received $2.00 EB each
Final Price .99 each
(Free from CVS Giftcard!)
(Marked for $3.00 each for rummage sale)
*ETA - Sold 1 for $3.00 at 9/4/14 rummage sale
1 left to sell

Bio Tru Contact Solution Twin Pack
Regular Price $18.29
-$4.30 Sale Price
-$3.00 Mfr Coupon
*Received $4.00 EB
Final Price $6.99 - Just $3.49 per bottle!!

I also got a bunch of little snacks ($1.00 Gatorades, .50 Just the Basics Cookies on clearance, $1.00 Chow Mein Meals) cause I had some EBs to use up, and was able to use a $10 off a $50 purchase coupon....so came out with some really great deals, and my food drawer at work is restocked for winter with lunches and snacks for only a few dollars.

Got a rebate for $24, so chucked another $25 into the EF.

Current Balance $23,330.00
+$25.00 Caulk Rebate
New Balance $23,355.00

Bingo Money (cash) $1620.00
ING $20,160.00 ($4000.00 Bingo Money)
Home Improvements(cash)$100.00
HSBC $1475.00
Total = $23,355.00

Bingo Money
Tips total - $2006.61
Wage total - $3617.32
Total Bingo Money - $5623.93

Here were my goals from 2012:

Debt
-Continue to live debt free other then mortgage- CHECK
-Get mortgage from $123,300 to under $110,000 - Did not meet due to the refi costs and not having to make a payment for 2 months. End of year balance is $117,150.00.

Savings - All savings goals were met (some have been spent since then)
-Vegas $2500
-New car $5000
-EF $3000
-Cruise $5000
-Cushion $2300
-HSA $7500
-Patio Door $1500
-Sept 2012 $1800

Other
-Lose 30 more lbs (Currently down 12) - At one time I was done about 26lbs (!!) but currently am only down 10
-Work on being a better home owner (repairs, lawncare, gardening etc) - FAIL