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Current Balance $11,260.00
+$7.16 ING January Interest
+$42.84 Even Out Amount
+$285.00 State Tax Return + Anticipation of Fed Return
+$85.00 to Retirement Hold Account
-$112.00 to Roth IRA
+$12.00 Even Out Amount
New Balance $11,580.00

ING $7900.00
Lawn Mower(cash) $350.00
HSBC $3330.00
Total = $11,580.00

Slowly moving towards the next $1K mark. $12K is in my sites and I am hoping to get over that mark in March. Probably will only be close to it by the end of this month if all goes well.

Got our yearly rebate from our Menards card today, $3.64! Whoo hoo! LOL. So we will probably save that for next time we go to the movies. Not sure if you know, but Menards has $1 boxes of movie candy, which sure beats the $3+ they charge at the theater. So check it out!

DH got paid today and is was $250 more then usual. Since our checking is not as high as I would like I am just leaving the extra in checking for now.

I also did my little bros taxes today, so I am glad I could do that for him. He gets a whopping $105 back between both federal and state. But when you are 19 y/o $105 can make a big difference!

I am down 8lbs, at $5 a lb that is $40 extra $ for Deadwood.
My husband is down 5lbs, at $5 a lb that is $25 extra $ for Deadwood.

About a month and a half left, and I have 12 lbs left to reach my goal and my husband has 9lbs left to reach his goal.

Ok So originally I thought we were getting back about $1500 federal and $150 state, but I didn't have all of our tax documents yet. Then I entered my HSA stuff based on what I "though" and it said we were only getting about $600 federal and $70 state. So I was bummed. But now I actually got my HSA tax form in the mail and entered it and we are getting back $1574 federal and $156 state! YEAH! This was the first year we had an HSA to report on our taxes, so when I was entering it originally I was not putting it in right. Now that I know how it needs to be entered it should go smoothly next year. So I am very happy with that size return. I know that the smaller the return the better since it is actually my money, but I like getting back between $1000 - $2000 because we usually go on a mini vaca every March for my husband's birthday, so it is perfect timing to fund the trip. So taxes are all e-filed and should receive the refund within the next few weeks.
Total is:
Federal $1574
State $156
= $1730
For now we will be putting $230 into savings and then whatever we bring back from DH's BD trip will also go into savings. Hopefully we will being back at least $700 (We are going to Deadwood!)

I was balancing my checkbook today and it kept coming up $406 off.....wth?? So after reviewing it for a little while I realized that I had made a deposit for $203 and had accidentally put it in the withdrawl column instead of the deposit column! So YEAH! Surprise $406 more in checking then we thought!

I try to balance my checkbook often, and even though I good with money and numbers, I seem to make silly mistakes once in awhile. At least this time the mistake was in our favor!

Just a little tiny update:

Current Balance $11,280.00
-$28.00 to Retirement Hold Account
+$8.00 even out Amount
New Balance $11,260.00

ING $7580.00
Lawn Mower(cash) $350.00
HSBC $3330.00
Total = $11,260.00

Current Balance $11,255.00
+$15.00 to Lawn Mower Fund
+$10.00 to ING
New Balance $11,280.00

ING $7600.00
Lawn Mower(cash) $350.00
HSBC $3330.00
Total = $11,280.00

It was just bugging me that the lawn mower fund which is in cash right now was at $335 which is a weird number, so I stuck $15 in the jar where I have it to get it to a even number - Hey every penny counts right?!

Ok - then after I posted this I realized that ING was $10 away from the next $100 mark, so I stuck another $10 in there too. UP!

I had been getting my taxes figured, but didn't have all of my paper work yet. So I thought we were getting back $1500 from federal and $150 from state. But I hadn't put my HSA contributions in yet.... So I entered that and that took federal all the way down to $600 and state down to $75. I am still waiting on one more form, but I doubt it will change it much. So looking like we will only get about $675 back total.

Current Balance $11,815.00
-$750.00 to pay off 0% King Mattress Loan
+$5.00 Rebate from Jim Beam
+$100.00 Rebate from Menards
+$85.00 to Retirement Hold Account
New Balance $11,255.00

ING $7590.00
Lawn Mower(cash) $335.00
HSBC $3330.00
Total = $11,255.00

We got our yearly company contribution to our HSA this week. So they put in $600 for us into the HSA. That is really helping with my HSA goal of $5000, now we are already up to $3300! YEAH!

I got most of my tax stuff done, just waiting on my W2s and other forms so I can double check my numbers but looks like we will get back about $1500 federal and state I have not done yet. Most of those funds will go towards our Deadwood Trip since that is my first savings goal for 2011. Anything left will either go to the EF or to the New car savings account.

My husband and I and a friend are going to Deadwood for my husbands birthday in March. My DH and I are doing a challenge, for every pound we lose we get $5 extra dollars for the trip. And we both have goals and if we meet the goal we get an extra $100 on top of the $5 per lb. My goal is 20lbs (it is supposed to be a hard goal). So far I have lost 4lbs, so $20! Yeah! Gonna be very hard to reach my goal, but I am trying hard. DHs goal was 14 lbs, and he lost 7lbs the first week. What a jerk....lol. He is so skinny anyways and just thinks about dieting and magically loses weight.....sigh..... Anyways looks like he will easily reach his goal, up to me to make mine happen too. Gonna go to the gym soon here and will probably do my biggest loser on the Wii later too. Oh and I should shovel too, but it is sooooo cold.....brrrr! Wish me luck and will power!

Current Balance $11,645.00
+$15.00 to New Car
+$25.00 to New Car
+$25.00 to Home Improvements
+$100.00 to Anniversary Cruise
+$5.00 HSBC Interest
New Balance $11,815.00

ING $8250.00
Lawn Mower(cash) $235.00
HSBC $3330.00
Total = $11,815.00

Sooo close to $12K! But this week we have to pay off our 0% loan for our King Mattress so will be taking out $750.00. We also have a humungous credit card bill for this month because of major overspending, Christmas etc. So I am going to try very hard to not take any more out of savings other then for the mattress, but it is going to be close. Really want to stay about $11K.

Current Balance $11,660.00
-$112.00 to ROTH IRA
+$12.00 Even Out Amounts
+$85.00 Retirement Hold Account
New Balance $11,645.00

ING $8185.00
Lawn Mower(cash) $235.00
HSBC $3225.00
Total = $11,645.00

Have you seen the new show on A&E, Storage Wars? I LOVE IT! It is so addicting and makes me think I can go buy a storage unit and sell everything in it for boocko bucks, lol! But I am sure if I did that I would get a unit full of trash, spider webs and mice. Ewwwwww.......anyways I really love the show and think it is so interesting, and if I was loaded I would totally try that sometime just to check it out. It's just like gambling! Haahahaa!

A friend of mine had clothes of her husbands that he no longer wanted. She knows that we do several rummage sales every year and asked if I wanted the clothes to sell at the rummage sale. She does not want any money back, she just wanted the clothes out of the house and said if I store them and mark them I can keep any money we make from selling them. Well I *finally* finished marking them all. There was a lot more then I expected! It was almost all mens XL, XXL, and XXXL polo and dress shirts. All in very nice, new condition. There were also several coats including a brand new (tag still on) Columbia fall jacket and a leather jacket from Wilson's Leather. I marked most of the shirts at $1.50 and the coats at $5.00. I am not sure yet what to put on the leather jacket.....it is kinda hard in the elbows like maybe something got spilled on it? I am going to have my Mom look at it and see what she thinks. All total there were 47 items, and if I sold all of them it would be $70 - that's not counting the leather jacket since I haven't marked it yet. Hopefully we can make a few bucks off of it! There was also 1 shirt that I gave to my Uncle (Steelers), 1 for my older brother (Jeff Gordon) and 1 for my little brother and 1 for my husband. None of them are XL+, but there were a couple of styles that would work for them.
ETA - Here is how we have done on this stuff in the sale:
8/27/11 $39.25
9/10/11 $56.10
5/18/12 $17.00
6/23/12 $2.00
8/24/11 $3.50
9/7/12 $10.00
6/15/13 $10.50
Total $138.35 FREE!!

Debt Goals
1)Remain debt free other then mortgage
2)Mortgage - Go from $136,800 to $125,000

Savings Goals
1)Deadwood Trip $1000
2)Lawn Mower $200
3)New Car $2000
4)EF $3000
5)Checking Cushion $1800
6)HSA $5000
7)Anniversary Cruise $4000
8)Home Improvement $900

Retirement Goals
1)DH - Continue to contribute to 403B
2)Me - Contribute 6% to 401K (1/1/11 $12,400)
3)Me - Contribute 7.5% to Roth IRA (1/1/11 $2800)

Here is a review of the 2010 goals and where they stand:

2010 Goals

Debt
-Continue to live debt free other then mortgage (CHECK)
-Pay mortgage down from $138K to $130K or less
(Since we refinanced we did not reach this goal)

Savings
*Emergency Fund
-Go from $2775 to $5000 ($1030)
*Vacation Fund
-Go from $820 to $2500 ($2520 - CHECK)
*Anniversary Cruise
-Go from $2000 to $3000 ($3225 - CHECK)
*MN trip
-Go from $50 to $1000 ($1000 - CHECK)
*Checking Cushion
-$750 to $1300 ($1300 - CHECK)
*HSA
-Go from $0 to $3000 ($2660)

Retirement
*401K (3%)
-Go from $8200 to $9000 ($12,400 - CHECK)
*ROTH IRA (10%)
-Go from $1620 to $4000 ($2900)
*403B (10%) ($2400 est - CHECK)
-Not sure on amounts, but continue to contribute 10% of DH income

So we met:
1 out of 2 debt goald
4 out of 6 savings goals
2 out of 3 retirement goals

Our total savings went up $13K this year, from $29K to $42K.

Balance $136,800.00
+$427.50 Interest
+$307.59 Escrow
-$1311.16 Regular Payment
-$483.93 Principle Payment ($60 in change)
New Balance $135,740.00

As of January 1, 2011:

Regular Savings:
Emergency Fund $1030
Anniversary Cruise $3225
Home Maintanence $30
New Lawn Mower (cash) $235
Cushion $1300
Car $705
HSA $2640
MOH $505 - Complete
Laptop $600 - Complete
King Mattress $750 - Complete
Washer and Dryer $1170 - Complete
Vacation - $2520 - Complete
Total Regular Savings = $14,710.00

Retirement Savings:
Retirement Hold Account $885
Roth IRA $2850
Rollover IRA $1325
401K $12,400
403B $10,000
Total Retirement Savings = $27,460.00

Total Savings = $42,170

Current Balance $11,610.00
+$7.23 December ING Interest
+$42.77 Even Out Amount
New Balance $11,660.00

$8200.00 ING
$3225.00 HSBC
$235.00 Lawn Mower Savings (cash)
$11,660.00 Total

Not able to put much extra in savings right now as we seriously overspent in Decemeber. We bought a new TV for out basement, got tickets to see Gabriel Iglesias, booked our hotel for Deadwood in March, Christmas presents, personal trainer....on and on and on. We were very bad. So that bill is due at the end of January and until that is paid it will be slooooowwww on the savings deposits.

I mentioned that our Christmas tree fell over and the stand broke. So had to get new tree. Figured it was best to look now at the after Christmas sales rather then wait till next Christmas season. Found a $465 tree (WHAT! Who would pay that much for a tree??) at JCP on sale 75% off, plus I had a $10 off coupon. So got it for $110. Saved $355!! WOW! I think the tree was way to expensive to start with, but am happy with the deal I got. Hopefully I will never have to buy another tree for the rest of my life.

Current Balance $11,625.00
-$28.00 to Roth IRA
+$13.00 Even Out Amount
New Balance $11,610.00

Hope everyone is having a safe and happy Christmas! I am staying home today and just relaxing. We do our Christmas on Christmas Eve so just enjoying a nice slow day today. My Mom is going to come do a puzzle with me and watch movies. I got 4 new Wii games, so am excited to try those out. Michael Jackson The Experience, Wii Zumba, the Biggest Loser and Mario Kart. So lots of fun workout games. I am already really good at MJ! THRILLER! LOL! Should be a nice cheap weekend. A good time to work on 2011 goals and to think back on the successes of the last year and what we can work on more in the next year!

I posted yesterday that DH had gotten a check for $250 from his great grandma for Christmas. He decided how to break it up:

$50.00 for him to spend
$50.00 for me to spend
$50.00 for the lawn mower fund
$100.00 to save for our Deadwood trip in March

I haven't decided what to do with my $50 yet.

So here is the update:
Current Balance $11,500.00
+$50.00 to lawn mower fund
+$75.00 to retirement hold account from paycheck
New Balance $11,625.00

ING $8165
HSBC $3225
Lawn Mower Fund $235
= $11,625.00

DH got a check for $250 in the mail today from his great grandma. We haven't decided what to do with it yet. Hmmm.....

I had a spend $10 get $10 off coupon for JCP in the mail. I really didn't need anything, so looked around for a good deal to use my free $10 on.

3 prs of gloves
Regularily $15.00
On sale on for $3.99

Long sleeve thermal (it's so cute!)
Regularily $20.00
On sale for $9.99

-$10 coupon

Total OOP = $4.22
Total Saved = $31.02

I really don't need the gloves so I am not sure if I will sell them or keep them yet. But the thermal I really like.
We also had a spend $75 save $15 coupon which DH used when he was buying Christmas presents for his Dad and grandma.

We went to the casino last night and after about 7 hours of gambling came out about $240.00 ahead! YEAH! I usually only pay penny machines so was really excited. I was betting .60 cents and won $60, and then a few minutes later was betting .30 cents and won $70! The rest of the time was $5 - $10 wins added up. So gave the $40 to DH and put the $200 into savings, along with $15 extra to even things out.

Current Balance $11,285.00
+$150.00 to EF from casino win
+$50.00 to New Car account from casino win
+$15.00 Even out amount to EF
New Balance $11,500.00

Current Balance $11,235.00
+$25.00 to New Car Fund
+$25.00 to Home Maintenance Account
New Balance $11,285.00

Current Balance $11,135.00
+$100.00 Anniversary Cruise Deposit
New Balance $11,235.00