Banker Gurl's More Bang For Your Buck!

I am working on getting caught up with our financial tracking. Here is our debt update from 11/23/18. I am grateful that we were able to keep making all of our payments as normal while I was out of work for 3 weeks and MO was out of work for 2 weeks. Small favors...right??

$1076.72 paid off in the last 2 weeks!!!

Celebrations for this update:
-$1076.72 paid off in the last 2 weeks!!
-My Mortgage went under the next $1000 mark!!
-Total debt went under the next $1000 mark!!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $4,313.96
Mom Loan #2/#3 $37,079.26
MO Mortgage $81,620.71
My Mortgage $145,900.00
Our Mortgage $242,266.19
Total = $511,180.12

Down $1076.72 in the last two weeks!

Starting total was $613,351.27
$102,171.15 paid off since 6/19/15 (including downpayment on house and adding new truck loan)!!!!!

I am working on getting caught up with our financial tracking. Here is our debt update from 11/9/18.

$655.02 paid off in the last 2 weeks!!!

Celebrations for this update:
-$655.02 paid off in the last 2 weeks!!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $4,431.75
Mom Loan #2/#3 $37,079.26
MO Mortgage $81,820.71
My Mortgage $146,250.00
Our Mortgage $242,675.12
Total = $512,256.84

Down $655.02 in the last two weeks!

Starting total was $613,351.27
$101,094.43 paid off since 6/19/15 (including downpayment on house and adding new truck loan)!!!!!

Sales are really picking up for the Christmas Season! My newly posted items are flying off the shelves!

Sales were $228.00!!

Sale #996 (JC) $14.00
Sterilite 3 Drawer (2) - I paid $3.20 for one and my bro and I split one for $3.20
Sold for $7.00 each
Profit = $7.60

Sale #997 (DA) $20.00
Bed Bugs Game - I paid $4.26 each
Sold for $8.00 each
Profit = $3.74

Play-Doh Shape and Learn Sets (2) - I paid $2.66 each
Sold for $6.00 each
Profit = $6.68

Sale #998 (JSM) $10.00
Tasty Frying Pan - I paid $3.73 each
Sold for $10.00 each
Profit = $6.27

Sale #999 (SR) $19.00
Pioneer Woman Towel Set - I paid $3.20 each
Sold for $7.00 each
Profit = $3.80

Pioneer Woman Dish Mat Set (2) - I paid $2.66 each
Sold for $6.00 each
Profit = $6.68

Sale #1000 (MP) $13.00
Pioneer Woman Towel Set - I paid $3.20 each
Sold for $7.00 each
Profit = $3.80

Pioneer Woman Dish Mat Set - I paid $2.66 each
Sold for $6.00 each
Profit = $3.34

Sale #1001 (MG) $7.00
Pioneer Woman Towel Set - I paid $3.20 each
Sold for $7.00 each
Profit = $3.80

Sale #1002 (MG) $28.00
Pioneer Woman Towel Set (4) - I paid $3.20 each
Sold for $7.00 each
Profit = $15.20

Sale #1003 (TB) $12.00
Pumpkin Carving Sets (4) - We paid $1.58 each
Sold for $3.00 each
Profit = $5.68

Sale #1004 (NC) $14.50
Scunci Headband Set - We paid $.17 each
Sold for $2.50 each
Profit = $2.33

Bath and Body Lotion - I paid $2.96 each
Sold for $6.00 each
Profit = $3.04

Pioneer Woman Dish Mat Set - I paid $2.66 each
Sold for $6.00 each
Profit = $3.34

Sale #1005 (BH) $31.00
Red Copper Flipwich Duo - I paid $7.46 each
Sold for $15.00 each
Profit = $7.54

Targus Keyboard - We paid $5.41
Sold for $10.00
Profit = $4.59

Kitchen Towels (2) (Me) - Free After Rebate
Sold for $3.00 each
Profit = $6.00

Sale #1006 (AS) $5.00
Pioneer Woman Glass Water Bottle - I paid $2.66 each
Sold for $5.00 each
Profit = $2.34

Sale #1007 (CP) $15.00
Pioneer Woman Glass Water Bottle (3) - I paid $2.66 each
Sold for $5.00 each
Profit = $7.02

Sale #1008 (MG) $16.00
Pioneer Woman Dish Mat Set - I paid $2.66 each
Sold for $6.00 each
Profit = $3.34

Rachael Ray Hard Enamel Cookware Skillet - I paid $5.33
Sold for $10.00
Profit = $4.67

Sale #1009 (DA) $6.00
Pioneer Woman Dish Mat Set - I paid $2.66 each
Sold for $6.00 each
Profit = $3.34

Sale #1010 (SR) $18.00
Pioneer Woman Stainless Steel Water Bottle - I paid $3.73 each
Sold for $6.00
Profit = $2.27

Copper Chef Perfect Pizza Pan - I paid $5.33
Sold for $12.00
Profit = $6.67

I've been scoring some super awesome Walmart clearance items and flipping for great profits! I don't have pics as I have been selling as quickly as I get them, but here are the breakdowns....I don't have the regular prices as Walmart doesn't have those on their receipts and I don't want to look them all up right now, but most items were about 75% off retail.

American Tourister 5pc Luggage Set (Bought 1)
Clearance to $25.00
Final Price + Tax = $26.63
(Marked $50.00 for rummage sale)
*ETA - Sold for $50.00 on FB on 11/25/18
Profit = $23.37

Beats Pill Speaker (Bought 2)
Clearance to $79.00
Final Price + Tax = $84.73
(Marked $110.00 for rummage sale)
*ETA - Kept one
*ETA - Sold for $110.00 on FB on 12/23/18
Profit = $25.27

Bed Bugs Game (Bought 4)
Clearance to $4.00 each
Final Price + Tax = $4.26 each
(Marked $8.00 each for rummage sale)
*ETA - Sold 1 for $8.00 on FB on 11/11/18
*ETA - Sold 1 for $8.00 on FB on 11/25/18
*ETA - Sold 1 for $8.00 on FB on 12/2/18
*ETA - Sold 1 for $8.00 on FB on 12/16/18
Profit = $14.96

G-Boom Boomboxes (Bought 3)
Regular Price $80.00
Clearance to $40.00 each
Final Price + Tax = $42.90
(Marked $55.00 each for rummage sale)
*ETA - Sold 1 for $55.00 on FB on 11/25/18
*ETA - Gave 1 to my older bro for Christmas
*ETA - Gave 1 to my little bro for his BD
Profit = $12.10

Mainstays Sunflower Dishtowel Set (Bought 5)
Clearance to $1.50 each
Final Price + Tax = $1.60 each
(Marked $4.00 each for rummage sale)
*ETA - Sold 5 for $4.00 on FB on 11/25/18
Profit = $12.00

Maskimals Halloween Animal Masks (Bought 6 - After I got home I see I was only charged for 4 on my receipt)
Regular Price $25.99
Clearance to $1.99
Final Price + Tax = $2.13 each for 4 and the other were 2 were free
(Marked $10.00 each for rummage sale)
*ETA - Sold 1 for $5.00 on FB on 9/29/19
*ETA - Sold 5 for $5.00 each on FB on 10/6/19
Profit = $21.48

Pioneer Woman Dish Mat 2pk Set (Bought 5)
Clearance to $2.50 each
Final Price + Tax = $2.66 each
(Marked $6.00 each for rummage sale)
*ETA - Sold 5 for $6.00 each on FB on 11/11/18
Profit = $16.70

Pioneer Woman Fall Towel Set 4pk (Bought 12)
Clearance to $3.00 each
Final Price + Tax = $3.20 each
(Marked $7.00 per pack for rummage sale)
*ETA - Sold 7 for $7.00 each on FB on 11/11/18
*ETA - Sold 3 for $7.00 each on FB on 11/25/18
*ETA - Sold 1 for $7.00 each on FB on 12/9/18
*ETA - Gave one to my Aunt for Christmas
Profit = $41.80

Pioneer Woman Rolling Pin (Bought 1)
Clearance to $3.00 each
Final Price + Tax = $3.20 each
(Marked $10.00 per pack for rummage sale)
*ETA - Sold for $10.00 on FB on 11/25/18
Profit = $6.80

Play-Doh Shape and Learn Sets (Bought 7)
Clearance to $2.50 each
Final Price + Tax = $2.66 each
(Marked $6.00 each for rummage sale)
*ETA - Sold 2 for $6.00 each on FB on 11/11/18
*ETA - Sold 1 for $6.00 each on FB on 11/25/18
*ETA - Sold 2 for $6.00 each on FB on 12/2/18
*ETA - Sold 2 for $6.00 each on FB on 12/9/18
Profit = $23.38

Roomba 680 (Bought 2)
Clearance to $74.00 each
Final Price + Tax = $78.81
(Kept one for ourselves and marked one $150.00 for rummage sale)
*ETA - Sold 1 for $150.00 on FB on 11/25/18
Profit = $71.19

Sterilite 3 Drawer (Bought 1 and my brother bought 1 to split)
Clearance to $3.00 each
Final Price + Tax = $3.20
(Marked $7.00 each for rummage sale)
*ETA - Sold both for $7.00 each on FB on 11/11/18
Profit = $7.60

Tasty 9.5 inch Frying Pan (Bought 5)
Clearance to $3.50 each
Final Price + Tax = $3.73 each
(Marked $10.00 each for rummage sale)
*ETA - Sold 1 for $10.00 on FB on 11/11/18
*ETA - Sold 2 for $10.00 on FB on 11/25/18
*ETA - Sold 1 for $10.00 on FB on 12/2/18
*ETA - Sold 1 for $10.00 on FB on 12/1/19
Profit = $31.35

Today is two weeks since I delivered our twins. It feels like minutes ago, and also an eternity ago.

Both MO and I are doing our best to stay busy and stay positive. It can be a struggle every second... and then I find a few hrs here and there of calm. I wish so hard I could find a way to keep being "ok". When I find those small breaks where I feel "ok" it feels so wonderful to not feel completely destroyed.

We had my postpartum visit a few days ago. No answers as to why I went into pre-mature labor as the pregnancy was 100% healthy up till then, and I had just had a regular OB apt 10 days prior to going into labor, and there were no issues or red flags at all.
So I am very scared that if I am ever lucky enough to get pregnant again, that the same thing could happen, since they don't know the cause, therefore no way to help prevent.

I have a few family and friends who have been making sure I am still breathing. My Mom, my BF and MO have been awesome. MO especially, he is obviously dealing with his own loss and grief with this, but he still holds me up everyday, and his goal is to get me to laugh and smile at least once a day, which he has accomplished each day...which in itself is a miracle.
I am so incredibly lucky to have him, and that really does keep me going through each terrible minute.

Also my two dogs have been an enormous help. They know mama is so sad (and some part of me thinks that they miss and mourn the babies too) and they comfort me every chance they get with cuddles and kisses. Dogs are simply amazing.

Thank you to everyone for the thoughts and prayers. We are doing our best to continue on for our babies and be the kind of parents they would be proud of. One day and one step at a time.

I’m so so sad to share this news, but as you all know, after many years of waiting my husband and I were expecting twins. We now have two angel babies watching over us.

💗Ember Lynne 👼
💙Bridger John 👼

At 21 weeks I unexpectedly went into labor and was hospitalized. They were able to stop my labor and put me on 100% inverted bedrest. We did everything we could possibly do to keep our sweet babies safe in my tummy. After 11 days of hospitalization, constant monitoring and full bedrest, I went into labor again at 22 weeks and 5 days and they weren’t able to stop it this time.
We lost both of our babies. 💔 Bridger’s heart rate was lost sometime in the night, he is very handsome and was our first sweet angel. Ember was born and we got to hear her cry, she was taken to the NICU and she fought hard for about 4hrs before they took her off the ventilator because there was nothing more they could do for her. We got to hold her as she passed and our baby girl princess was our second angel. I lost a lot of blood after I delivered them and became unresponsive so they had to take me to the OR and do a blood transfusion. My husband stayed with Ember while I was in the OR and she even grabbed his finger. They were both little fighters from the start. We are obviously completely heartbroken. The outpouring of love and support from friends and family has been overwhelming and so appreciated. They are missed and loved more then they will ever know.
💗💙💗💙💗💙💗💙💗💙💗
💗Ember Lynne 👼
💙Bridger John 👼

My husband stayed with me in my room every single night, I dont know what I would do without my wonderful husband being my rock through all of this and making sure I knew he was always there no matter what I needed and how lost I was/am feeling.

We had our gender reveal party last night and we are having one BOY and one GIRL!!!




We are so excited, everyone was hoping for one of each, but I am shocked that it turned out that way!

Everything went great and we all had a wonderful time!


I also signed up for a Red card with Target as they do free shipping (which is great cause I am an hr away from the nearest Target) and you get 5% back on Target purchases! When I signed up I got a coupon for $25.00 off a $100.00 purchase coupon. I combined that with a baby sale they were having for $20 Target GC when you spend $100.00, plus the 5% back on the Red Card, plus free shipping, plus $65 in giftcards that we got as gifts....and I got 1000 diapers for only $24!!! That's only .02 per diaper! I made sure to stay away from the teeny tiny sizes and got a few boxes each of the bigger sizes. Hopefully they work for my babes, but if for some reason they don't, they were cheap enough that I should be able to get my money back if I need to sell them on FB.

Not much of a decrease this time as only our two smallest payments were on this paycheck. Next update will be a really good one though!

$317.61 paid off in the last 2 weeks!!!

Celebrations for this update:
-$317.61 paid off in the last 2 weeks!!
-MO Mortgage went under the next $1000 mark!!
-Total Debt went under the next $1000 mark!!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $4,549.45
Mom Loan #2/#3 $37,616.58
MO Mortgage $81,820.71
My Mortgage $146,250.00
Our Mortgage $242,675.12
Total = $512,911.86

Down $317.61 in the last two weeks!

Starting total was $613,351.27
$100,439.41 paid off since 6/19/15 (including downpayment on house)!!!!!

Nice little bump to savings!

Current Balance $11,070.00
+$90.00 FB Sales
+$96.73 Dividend Check
+$3.27 Even Out Amount
+$50.00 My Payday to Our Savings (10/19)
+$75.00 My Payday to Mom Loan Savings (10/19)
Balance $11,385.00

Local Savings $945.00
GC Savings $1190.00
Capital 360 Savings (US) $2450.00
Capital 360 Savings (Mom Loan Payback Account)$4750.00
Capital 360 Savings (Rental Deposit Account #1)$550.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $11,385.00

52 Week Challenge
2018 Total = $970 (Weeks 1-30, 35-39, 41-45, 52-53)

Another great week of sales! Total Sales were $141.00, and next week I should hit my 1000th Sale!

Sale #987 (JC) $45.00
Earbuds (2) - We paid $1.33 each
Sold for $4.00 each
Profit = $5.34

Bottle Opener and Screwdriver Set - I paid .99
Sold for $5.00
Profit = $4.01

Old Navy PJ Pants (2) - I paid $2.13
Sold for $6.00 each
Profit = $7.74

For my Mom 50 notebooks in packs of 10/$4 (5 packs) = $20.00.

Sale #988 (TS) $30.00
Shark Cordless Floor Sweeper (2) - I paid $7.46 each
Sold for $15.00 each
Profit = $15.08

Sale #989 (SR) $8.00
Aleve 50ct (2) - I paid $1.91 each
Sold for $4.00 each
Profit = $4.18

Sale #990 (SG) $5.00
Furniture Guard - Free After Rebate
Sold for $5.00
Profit = $5.00

Sale #991 (LS) $2.00
Jumping Bean Leopard Fleece - We paid $.25 each
Sold for $2.00 each
Profit = $1.75

Sale #992 (DI) $4.00
Boys Adidas Football Outfit - We paid $.50 each
Sold for $4.00 each
Profit = $3.50

Sale #993 (BH) $4.00
Avengers Pez Set - We paid $1.59 each
Sold for $4.00 each
Profit = $2.41

Sale #994 (MM) $27.00
My Little Pony Hooded Sleeper - We paid $4.75 each
Sold for $12.00
Profit = $7.25

My Little Pony Sleeper 2pk - We paid $6.75
Sold for $15.00
Profit = $8.25

Sale #995 (NC) $16.00
Pokémon Jacket - We paid $6.35 each
Sold for $16.00 each
Profit = $9.65

I had an hr between Drs apts and going to family dinner so I had MO drop me off at Walmart so I could do some searching for an hour! Found lots of good resell items, these are great items for people to buy for Christmas presents! Potential profit of $77.86.



Copper Chef Perfect Pizza Pan (Bought 1)
Regular Price $21.88
Clearanced to $5.00 each
Final Price + Tax = $5.33 Each
(Marked $10.00 each for rummage sale)
*ETA - Sold for $12.00 on FB on 11/11/18
Profit = $6.67

Mainstays Salad Cup (Bought 1)
Regular Price ?
Clearanced to .25
Final Price + Tax = .27
(Marked $2.00 for rummage sale)
*ETA - Sold for $2.00 on FB on 12/2/18
Profit = $1.73

Red Copper Flipwich Duo (Bought 4)
Regular Price $28.97
Clearanced to $7.00 each
Final Price + Tax = $7.46 Each
(Marked $15.00 each for rummage sale)
*ETA - Sold 1 for $15.00 on FB on 11/11/18
*ETA - Sold 1 for $15.00 on FB on 12/16/18

Pioneer Woman Dish Drying Mat 2pk (Bought 1)
Regular Price $9.97
Clearanced to $2.50 each
Final Price + Tax = $2.66 Each
(Marked $5.00 each for rummage sale)
*ETA - Sold 1 for $6.00 on FB on 11/11/18
Profit = $3.34

Pioneer Woman Glass Water Bottles (Bought 4)
Regular Price $8.94
Clearanced to $2.50 each
Final Price + Tax = $2.66 Each
(Marked $5.00 each for rummage sale)
*ETA - Sold 4 for $5.00 each on FB on 11/11/18
Profit = $9.36

Pioneer Woman Stainless Steel Water Bottle (Bought 1)
Regular Price $12.84
Clearanced to $3.50 each
Final Price + Tax = $3.73 Each
(Marked $6.00 each for rummage sale)
*ETA - Sold for $6.00 on FB on 11/11/18
Profit = $2.27

Rachael Ray Hard Enamel Cookware Skillet (Bought 1)
Regular Price $19.88
Clearanced to $5.00 each
Final Price + Tax = $5.33 Each
(Marked $10.00 each for rummage sale)
*ETA - Sold for $10.00 on FB on 11/11/18
Profit = $4.67

Shark Cordless Rechargeable Floor and Carpet Sweeper (Bought 3)
Regular Price $39.99
Clearanced to $7.00 each
Final Price + Tax = $7.46 Each
(Marked $15.00 each for rummage sale)
*ETA - Sold 2 for $15.00 each on FB on 10/14/18
*ETA - Sold 1 for $15.00 on FB on 12/16/18
Profit = $22.62

Yesterday was a long day of medical apts. From 7:45am till 3:00pm we were in and out of Drs. apts allllll day!

We had extensive ultrasounds for both babies and everything looked great! They are both measuring about the same size (roughly the size of a can of pop each) so that is also wonderful news. Both babies were dancing around a lot. We got the envelopes with the babies genders, they are sealed and we will be doing a small gender reveal next week with immediate family. We are so excited!!

I had diabetic training (major family history of diabetes, so no surprise I am a prime candidate for gestational diabetes). My Dr. let me know there wasn't anything I could have done differently to prevent this so that made me feel better. I am 20 weeks now and have only gained 9lbs (with twins!) so I am happy with my weight gain so far, and they were not concerned with my weight at all, but only with my blood sugar levels. All we can do is do our best with diet and exercise to treat it to keep me and babies healthy. So I got my meter and also went to the pharmacy for test strips and lancets. We met our OOP Max for the year way back in May, so won't have to pay anything for the visits or Rx.

I also got my flu shot for the year too, again free. We took MO to CVS to get his flu shot, but they were out, so he will need to wait till next week. We had some time to kill between apts so we went to Goodwill and MO was able to find 2 pairs of shorts for next year for $3.50 each and one pair of workpants for $5.00. I have been looking for maternity coat options, but did not want to spend a ton of money on a coat I would only be wearing for a few months. I was super excited to find a really cute coat that I can wear this winter to cover up the babes. My current coat is getting a bit hard to zip! The coat probably won't last me for the whole pregnancy as it is still a regular coat, just a much bigger size, not maternity, but it was only $6.99 so I was very excited!

I also found a Peanuts PJ set that was new with tags for $14.99, and it was only marked for $1.99 ($2.12 after tax) so I got that for resell. I plan to mark that for $6.00.
*ETA - Sold for $6.00 on FB on 11/25/18
Profit = $3.88

Alright I think we are back to being accurate on our total now. We took two trips in the last two weeks. One to Minneapolis to watch the second to last MN Twins game of the season. While we were there we also got to visit some of my in-laws and they gave us a changing table, swing and some other baby gear! Then last weekend we went to Deadwood with my BIL and some friends. We took the new truck both times to fit all the people and all the stuff and gas really adds up on that as opposed to my little Malibu! We are trying to get what trips we can in now before baby time! Planning for one more long weekend trip in November and then after that I don't plan to travel anymore as I will be almost 7 months with the twins by then!

Current Balance $12,760.00
+$300.00 Partial Deposit for Rental #1
-$1990.00 From Cap360 US Savings for trips/gas/hotels and rental repairs
Balance $11,070.00

Local Savings $755.00
GC Savings $1190.00
Capital 360 Savings (US) $2400.00
Capital 360 Savings (Mom Loan Payback Account)$4675.00
Capital 360 Savings (Rental Deposit Account #1)$550.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $11,070.00

52 Week Challenge
2018 Total = $970 (Weeks 1-30, 35-39, 41-45, 52-53)

Lots of little snow flakes adding up!

I was called for Jury Duty, and did make it onto the Jury, but there were about 5 extra jurors, so once everyone was seated, they let the last 5 in the row go. I was excited for jury duty, I thought it would be really interesting! I was happily surprised that I got a check even though I didn't actually have to serve.

We finally got the rent check from Rental #2, so I will get money moved around and be able to update savings soon once I get everything situated.

Current Balance $12,500.00
+$111.00 FB Sales
+$93.00 Property Management Pay
+$15.00 Vaccine Rebate for Puppies
+$40.26 Jury Duty Pay
+.74 Even Out Amount
Balance $12,760.00

Local Savings $755.00
GC Savings $1190.00
Capital 360 Savings (US) $4390.00
Capital 360 Savings (Mom Loan Payback Account)$4675.00
Capital 360 Savings (Rental Deposit Account #1)$250.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $12,760.00

52 Week Challenge
2018 Total = $970 (Weeks 1-30, 35-39, 41-45, 52-53)

Tons of sales this week! Whoo hoo! Total sales were $218.00!! I've also been moving a lot of older merchandise which is great!!

Sale #976 (AP) $5.00
Christmas Books (2) - Donated to me
Sold for $2.50 each
Profit = $5.00

Sale #977 (GT) $12.00
Girls Sleepers (4) - We paid .50 each
Sold for $2.50 each
Profit = $8.00

Girls Sleeper - We paid .50 each
Sold for $2.00 each
Profit = $1.50

Sale #978 (DHW) $40.00
Totes Snowboots (2) - We paid $5.33 each
Sold for $20.00 each
Profit = $29.34

Sale #979 (VAK) $20.00
Totes Snowboots - We paid $5.33 each
Sold for $20.00 each
Profit = $14.67

Sale #980 (AW) $4.00
For my Mom: 4 Halloween Pumpkin Bags @ $1.00 each

Sale #981 (BH) $3.00 (Me)
Halloween Pumpkin Bags (3) - Free After Rebate
Sold for $1.00 each
Profit = $3.00

Sale #982 (JZ) $16.00
Halloween Pumpkin Bags (2)(Me) - Free After Rebate
Sold for $1.00 each
Profit = $2.00

My Little Pony Movie Sleeper - We paid $4.75
Sold for $12.00
Profit = $7.25

For my Mom: 2 Halloween Candy Bowls @ $1.00 each

Sale #983 (JE) $15.00
Carter's Snow Pants - We paid $6.75
Sold for $15.00
Profit = $8.25

Sale #984 (MM) $35.00
Halloween Pumpkin Bags (4)(Me) - Free After Rebate
Sold for $1.00 each
Profit = $4.00

Burt's Bees 2pk Lip Balm - We paid $2.68
Sold for $4.00
Profit = $1.32

Conair Hair Dryer - We paid $5.65
Sold for $10.00
Profit = $4.35

Glade Holiday Candle 2pks (2) - I paid $1.30 each
Sold for $3.00 each
Profit = $3.40

For my Mom: 3 Halloween Pumpkin Bags @ $1.00 each and 2 Dishmatic Cleaners @ $4.00 each

Sale #985 (DZ) $23.00
Pumpkin Carving Kits (4) - We paid $1.58 each
Sold for $3.00 each
Profit = $5.68

Pumpkin Carving Scoop - We paid $1.33
Sold for $3.00
Profit = $1.67

For my Mom: 8 Halloween Pumpkin Bags @ $1.00 each

Sale #986 (NC) $45.00
Kids Golf Set with Cady Bag (2) - We paid $2.12 each
Sold for $5.00 each
Profit = $5.76

Crayola Sidewalk Paint Marker (2) - We paid $2.40 each
Sold for $4.00 each
Profit = $3.20

Basketball Set - We paid $2.65
Sold for $5.00
Profit = $2.35

Herbal Essences Shampoo/Conditioner (2) - I paid $1.86 each
Sold for $3.50 each
Profit = $3.28

Halloween Pumpkin Bags (4)(Me) - Free After Rebate
Sold for $1.00 each
Profit = $4.00

Tresemme Shampoo/Conditioner (3) - We paid $.88 each
Sold for $3.00 each
Profit = $6.36

For my Mom: 2 Halloween Candy Bowls @ $1.00 each

$875.04 paid off in the last 2 weeks!!!

Celebrations for this update:
-$875.04 paid off in the last 2 weeks!!
-Our Mortgage went under the next $1000 mark!!
-Total Debt went under the next $1000 mark!!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $4,667.06
Mom Loan #2/#3 $37,616.58
MO Mortgage $82,020.71
My Mortgage $146,250.00
Our Mortgage $242,675.12
Total = $513,229.47

Down $875.04 in the last two weeks!

Starting total was $613,351.27
$100,121.80 paid off since 6/19/15 (including downpayment on house)!!!!!

We have some things up in the air right now, so this isn't completely accurate, but I wanted to track as best I can until everything is square. One of our renters pays by automatic payment through their bank, so typically we get their rent check from their bank around the 2nd of the month. We never got the check this month, so we are waiting for them to send us a replacement check. In the meantime we had to pull from savings to cover the missing rent so that we could pay our mortgages. We also have a $300 check for a partial payment for one of our other renters deposits, but they asked us to hold the check for now, hopefully we can get that cashed and into savings soon.

Current Balance $12,270.00
+$50.00 My Payday to Our Savings (10/12)
+$75.00 My Payday to Mom Loan Savings (10/12)
+$90.00 FB Sales
+$.08 GC Interest
+$4.92 GC Even Out Amount
+$2.21 Mom Loan Interest
+$2.79 Mom Loan Even Out Amount
+$1.49 US Interest
+$13.51 US Even Out Amount
Balance $12,500.00

Local Savings $495.00
GC Savings $1190.00
Capital 360 Savings (US) $4390.00
Capital 360 Savings (Mom Loan Payback Account)$4675.00
Capital 360 Savings (Rental Deposit Account #1)$250.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $12,500.00

52 Week Challenge
2018 Total = $970 (Weeks 1-30, 35-39, 41-45, 52-53)

FB Sales were great this week! Tons of winter stuff selling including 4 pairs of snow boots!
Total sales for the week were $191.00!!


Sale #969 (TSH) $40.00
Totes Snowbootes (2) - We paid $5.33 each
Sold for $20.00 each
Profit = $29.34

Sale #970 (HL) $60.00
Totes Snowbootes (2) - We paid $5.33 for one and $6.00 for the other
Sold for $20.00 each
Profit = $28.67

Venus Razors - .32 Money Maker
Sold for $4.00
Profit = $4.32

Softsoap Bodywash (3) - We paid $1.70 for one, and .73 each for two
Sold for $3.00 each
Profit = $5.84

Softsoap Bodywash (Me) - I paid $1.11
Sold for $3.00
Profit = $1.89

For my Mom: 2 Boys Sleepers for $2.00 each = $4.00

Sale #971 (DA) $12.50
Baby Girl Sleepers (5) - We paid $.50 each
Sold for $2.50 each
Profit = $10.00

Sale #972 (TB) $40.00
Carter's Winter Coat and Snow Pants Set - We paid $18.75
Sold for $40.00 each
Profit = $21.25

Sale #973 (DA) $27.00
Carter's Snow Pants - We paid $6.75
Sold for $15.00
Profit = $8.25

My Little Pony Hooded Sleeper - We paid $4.75
Sold for $12.00
Profit = $7.25

Sale #974 (OA) $10.00
For my Mom - Toms Shoes (2) at $5.00 each = $10.00

Sale #975 (?) $1.50
Kitty PJs - We paid .50
Sold for $1.50
Profit = $1.00

$853.84 paid off in the last 2 weeks!!!

Things are (kind of) settling down here. We have our new renter into Rental #1 so that is good news. I am a little worried that she is going to be a problem as she is a little "floopy". I think that is a word from Phoebe on Friends...but you get the idea...lol. But she has made 2 of the 3 payments on her deposit, and paid October rent so hopefully she will be good. We (and by we I me MO) did a lot of minor repairs and painting to get the house ready for her and we also had an egress window put in, which was a big bite out of savings. In the long run the repairs are good as they do increase the value of the property, but I am feeling stressed about not having enough in savings right now with babies on the way. I am working on shifting my mindset on money/savings/debt to accept it as it is.


No new news on babies yet, my next apt is in about 2 weeks and hoping to find out genders then! I am feeling good, some nausea, morning sickness, tiredness and random swelling or aches, but nothing major or unexpected at all. We continue to be blessed by friends and family with hand-me-down baby goods and will probably not need to buy any baby furniture or big items other then possibly car seats. This is great cause then we can save our money for all the diapers..lol.

Celebrations for this update:
-$853.84 paid off in the last 2 weeks!!
-Mom Loan went under the next $1000 mark!!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $4,784.58
Mom Loan #2/#3 $37,616.57
MO Mortgage $82,020.71
My Mortgage $146,600.00
Our Mortgage $243,082.65
Total = $514,104.51

Down $853.84 in the last two weeks!

Starting total was $613,351.27
$99,246.76 paid off since 6/19/15 (including downpayment on house)!!!!!

Current Balance $11,950.00
+$50.00 MO Payday to Our Savings (9/28)
+$50.00 My Payday to Our Savings (10/5)
+$75.00 My Payday to Mom Loan Savings (10/5)
+$45.00 FB Sales
+$100.00 Mini Rummage Sale
Balance $12,270.00

Local Savings $405.00
GC Savings $1185.00
Capital 360 Savings (US) $4335.00
Capital 360 Savings (Mom Loan Payback Account)$4595.00
Capital 360 Savings (Rental Deposit Account #1)$250.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $12,270.00

52 Week Challenge
2018 Total = $970 (Weeks 1-30, 35-39, 41-45, 52-53)

My Mom had a little rummage sale at her place last weekend. Since this is an hr away from me, and I am pregnant with twins..lol...I didn't want to bring down too much stuff for the sale. I tried to grab items that haven't been moving to quickly up where I live, as well as fall/winter items that would be in demand now. I only filled up the back seat of my car and my trunk on my Malibu, so it wasn't much. The sale as a whole made $942.55, which is great for a quick pop up sale! The large majority of that was my Mom's, but we did make a little for us for savings too which is great! I am happy my Mom was able to get rid of a lot of items!

Here is the breakdown for me:

Items donated to me = $3.25
Bear Figurine .25
Journal $1.00
Photo Album $1.00
Word Find $1.00

My items bought for resale = $22.00 Sales

Menards

Furniture Guard - Free After Rebate
Sold for $5.00
Profit = $5.00

Mini Flashlight 2pk (2) - I paid .49
Sold for $3.00
Profit = $5.02

Picture Hanging Kit - Unable to find what I paid, I am guessing Free After Rebate?
Sold for $2.00
Profit = ?

Puck Lights - Free After Rebate
Sold for $3.00
Profit = $3.00

Women's 10pk Socks - I paid .99
Sold for $6.00
Profit = $5.01

Target
Composition Notebook - I paid .22
Sold for $1.00
Profit = .78

Neon Tape - I paid .25
Sold for $1.00
Profit = .75

Joint Items bought for resale = $141.25 in Sales

CVS
Colgate Toothpaste (2) - We paid $0
Sold for $2.50 each
Profit = $5.00

Conair Hair Dryer - We paid $5.65
Sold for $10.00
Profit = $4.35

Conair Round Brush - We paid $.17
Sold for $6.00
Profit = $5.83

Crest Toothpaste (2) - We paid $0
Sold for $2.50 each
Profit = $5.00

Finding Dory Fishbowl Pez Set - We paid $2.65
Sold for $6.00
Profit = $3.35

Dollar Tree
Rust-Oleum 2pk - We paid $1.07
Sold for $5.00
Profit = $3.93

Famous Footwear
Sketchers Bobs Camo Slipons - We paid $5.33
Sold for $15.00
Profit = $9.67

JCPenney
Boot Toppers (2) - We paid $1.37 each
Sold for $5.00 each
Profit = $7.26

Totes Snowboots - We paid $5.33
Sold for $20.00
Profit = $14.67

Kohls
Finding Dory Creativity Set - We paid $5.81
Sold for $12.00
Profit = $6.91

My Little Pony Movie 2pk Sleepers - We paid $6.75
Sold for $15.00
Profit = $8.25

Menards
Mens 6pk Socks - I couldn't find these specific ones in my backlog, but I believe they were free after rebate
Sold for $4.00
Profit = $4.00

Rummage Sale Flips
Boys Winter PJ Sets (2) - We paid .25
Sold for $2.00 each
Profit = $3.50

Camo Hat - Free Box
Sold for $1.00
Profit = $1.00

Girls Outfits (3) - We paid $1.00 each
Sold 1 for $2.00 and 2 for $3.00
Profit = $5.00

Kansas City Chiefs Hat - Free Box
Sold for $5.00
Profit = $5.00

Kids Cookie Cutter Set - Free Box
Sold for .25
Profit = .25

Kids Socks - Free Box
Sold for $1.00 and .50
Profit = $1.50

Minnie Mouse Tutu Outfit - We paid .75
Sold for $4.00
Profit = $3.25

Puzzles (5) - We paid .25 each
Sold for $1.50 for 1 and $2.00 each for 4
Profit = $8.25

Walmart
Axe Deodorant - We paid .66
Sold for $1.00
Profit = $.34

Total Sales for the week were $60.00!! I'm working on getting Halloween items and also fall and winter clothes posted!

Sale #965 (RD) $15.00
NDSU Slippers - We paid $6.63 each
Sold for $15.00
Profit = $8.37

Sale #966 (GRG) $15.00
NDSU Slippers - We paid $6.63 each
Sold for $15.00
Profit = $8.37

Sale #967 (SSB) $24.00
Bath and Body Lotions and Shower Gels (4) - I paid $2.96 each
Sold for $6.00 each
Profit = $12.16

Sale #968 (BH) $6.00
Cozy Socks (2) - Donated to me
Sold for $3.00 each
Profit = $6.00

Egress Window for Rental #1 is finally done and we are finishing up some painting and cleaning to get our new renter in there by October 1st. I hate savings being this low, hopefully we can get it moving back up soon!

Current Balance $15,745.00
+$6.00 Mike's Hard Lemonade Rebate
+$19.00 FB Sales
+$30.00 Phone Savings
-$250.00 Return Deposit to Rental #1 (DM)
-$3600.00 Egress Window for Rental #1
Balance $11,950.00

Local Savings $260.00
GC Savings $1185.00
Capital 360 Savings (US) $4235.00
Capital 360 Savings (Mom Loan Payback Account)$4520.00
Capital 360 Savings (Rental Deposit Account #1)$250.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $11,950.00

52 Week Challenge
2018 Total = $970 (Weeks 1-30, 35-39, 41-45, 52-53)

Only a few sales picked up this week, but they were decent amounts. Total Sales for the week were $44.00 and I have a lot set up for pickup. We also had a small rummage sale at my Moms so will have that to add to sales too soon.

Sale #962 (LQ) $24.00
Totes Snowboots - We paid $5.33 each
Sold for $20.00
Profit = $14.67

For my Mom - 10 notebooks for $4.00

Sale #963 (RD) $15.00
NDSU Slippers - We paid $6.63 each
Sold for $15.00
Profit = $8.37

Sale #964 (NC) $5.00
For my Mom - Boys Sneakers $5.00

I got all of these super cute winter clothes online from Kohl’s back in May. Now that it’s finally getting chilly out, I’m ready to post them and make some $$$!

Total Spent was $244.14 and I earned $40 in Kohl's cash for the purchase.



Boot Toppers (Bought 20)
Regular Price $14.00
Final Price + Tax = $1.55 Each
(Marked $5.00 each for rummage sale)
*ETA - Sold 4 for $5.00 each on FB on 12/2/18

Carter’s Winter Coat and Snow Pants Set (Bought 2)
Regular Price $100.00
Final Price + Tax = $18.75 Each
(Marked $40.00 each for rummage sale)
*ETA - Sold 1 for $40.00 on FB on 9/30/18
*ETA - Sold 1 for $40.00 on FB on 11/10/19
Profit = $42.50

Christmas Pajamas with matching Doll Pajamas (Bought 2)
Regular Price $24.00
Final Price + Tax = $3.55 Each
(Marked $8.00 each for rummage sale)
*ETA - Sold 1 for $8.00 on FB on 12/9/18

Elena Pajamas (Bought 2)
Regular Price $30.00
Final Price + Tax = $4.75 Each
(Marked $12.00 each for rummage sale)

Fox 3pc Winter Accessory Set (Bought 3)
Regular Price $30.00
Final Price + Tax = $4.75 Each
(Marked $12.00 each for rummage sale)
*ETA - Sold 1 for $10.00 on FB on 12/2/18
*ETA - Sold 1 for $12.00 on FB on 12/16/18

My Little Pony Movie 2pk Blanket Sleepers (Bought 2)
Regular Price $40.00
Final Price + Tax = $6.75 Each
(Marked $15.00 each for rummage sale)
*ETA - Sold 1 for $15.00 at 9/22/18 rummage sale
*ETA - Sold 1 for $15.00 on FB on 10/14/18
Profit = $16.50

My Little Pony Movie Hooded Sleeper (Bought 4)
Regular Price $32.00
Final Price + Tax = $4.75 Each
(Marked $12.00 each for rummage sale)
*ETA - Sold 1 for $12.00 on FB on 9/30/18
*ETA - Sold 1 for $12.00 on FB on 10/7/18
*ETA - Sold 1 for $12.00 on FB on 10/14/18
*Appears one was stolen at the rummage sale as I only sold 3 and one is missing. I've kept them in the same place since I got them so I am very confident that I didn't misplace it.

Pokemon Jacket (Bought 2)
Regular Price $38.00
Final Price + Tax = $6.35 Each
(Marked $16.00 each for rummage sale)
*ETA - Sold 1 for $16.00 on FB on 9/9/18
*ETA - Sold 1 for $16.00 on FB on 10/14/18
Profit = $19.30

Rudolph Christmas Jammies (Bought 4)
Regular Price $30.00
Final Price + Tax = $4.75 Each
(Marked $12.00 each for rummage sale)
*ETA - Sold 1 for $12.00 on FB on 11/25/18
*ETA - Sold 1 for $12.00 on FB on 12/2/18
*ETA - Sold 1 for $12.00 on FB on 12/9/18
*ETA - Sold 1 for $12.00 on FB on 11/17/19
Profit = $29.00

Santa Sleepers (Bought 2)
Regular Price $20.00
Final Price + Tax = $3.20 Each
(Marked $7.00 each for rummage sale)
*ETA - Sold 1 for $7.00 on FB on 12/2/18
*ETA - Sold 1 for $7.00 on FB on 12/9/18
Profit = $7.60

Snow Pants (Bought 6)
Regular Price $40.00
Final Price + Tax = $6.75 Each
(Marked $15.00 each for rummage sale)
*ETA - Sold 1 for $15.00 on FB on 9/30/18
*ETA - Sold 1 for $15.00 on FB on 10/7/18

Transformers Jacket (Bought 2)
Regular Price $36.00
Final Price + Tax = $5.95 Each
(Marked $15.00 each for rummage sale)

I actually got these back in June, but wasn't in any rush to get them logged...finally getting them logged and up for sale!



Bath and Body Lotions and Shower Gels (Bought 16)
Regular Price $12.50 Each
-$10.10 Sale Price Each
+$5.99 Shipping and Handling
+$2.89 Tax
Final Price = $2.96 each
(Marked $6.00 each for rummage sale)
*ETA - Sold 4 for $6.00 each on FB on 9/23/18
*ETA - Sold 1 for $6.00 on FB on 11/11/18
*ETA - Sold 4 for $6.00 each on FB on 12/2/18
*ETA - Sold 7 for $6.00 each on FB on 12/16/18
Profit = $48.64

I won football picks the first week! Whoo hoo! Egress Windows are getting put in today at Rental #1, so we will need to take out of savings for that, but otherwise doing good. We are going to have a small rummage sale this weekend so hopefully will get a little bump from that if the weather isn't too cold.

Current Balance $15,260.00
+$40.00 FB Sales
+$60.00 Football Picks
+$50.00 My Payday to Our Savings (9/21)
+$75.00 My Payday to Mom Loan Savings (9/21)
+$3.26 Cap360 Interest
+$6.74 Even Out Amount
+$250.00 New Renter Partial Deposit
Balance $15,745.00

Local Savings $3235.00
GC Savings $1755.00
Capital 360 Savings (US) $3285.00
Capital 360 Savings (Mom Loan Payback Account)$4520.00
Capital 360 Savings (Rental Deposit Account #1)$1450.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $15,745.00

52 Week Challenge
2018 Total = $970 (Weeks 1-30, 35-39, 41-45, 52-53)

Another good week of sales! Sales this week for $78.00!!

Sale #954 (DZ) $5.00
For my SIL - $5.00 for two pairs of flipflops

Sale #955 (DI) $6.00
Softsoap Bodywash (2) - We paid $2.23 each
Sold for $3.00 each
Profit = $1.54

Sale #956 (NC) $31.00
Softsoap Bodywash (3) - We paid $1.70 each
Sold for $3.00 each
Profit = $3.90

Pumpkin Carving Kit - We paid $1.58
Sold for $3.00
Profit = $1.42

Pumpkin Carving Scoop - We paid $1.33
Sold for $3.00
Profit = $1.67

Pokémon Hoodie - We paid $7.80
Sold for $16.00
Profit = $8.20

Sale #957 (DZ) $8.00
Black Snowpants - We paid $1.00
Sold for $8.00 each
Profit = $7.00

Sale #958 (VS) $6.00
Pink Suitcase - We paid $2.50
Sold for $6.00 each
Profit = $3.50

Sale #959 (JC) $12.00
Sterilite Drawers (2) - We paid $2.00 each
Sold for $6.00 each
Profit = $8.00

Sale #960 (LVD) $5.00
Justice Jeans - We paid $1.00
Sold for $5.00
Profit = $4.00

Sale #961 (MM) $5.00
For my Mom - $5.00 for Girls Nike Shoes

I had a $5 Reward that was going to expire at Famous Footwear so I stopped in. I found these Sketchers on clearance for $10.00 each, and clearance was BOGO 50% off! So after the clearance, sale and reward they were just $5.00 each for $60.00 shoes!



Sketchers Energy Lights Shoes (Bought 2)
Regular Price $59.99
-$49.99 Sale Price Each
-$5.00 BOGO 50% Sale
-$5.00 Rewards
Final Price + Tax = $5.32 each!!
(Marked $20.00 each for rummage sale)

Well we had to add some debt to our race as we purchased a new vehicle to fit our growing family!

I AM PREGNANT!!!!! WITH TWINS!!!!

After 11 years of dealing with infertility, I am finally expecting for the first time in my life! We are over the moon happy!!

Babies are expected around Jan/Feb 2019. We had another ultrasound a few days ago and both babies look great and are right on track. Only issue is I did test positive for gestational diabetes, but that was not a surprise as my entire family has diabetes, so I was a prime candidate for that. Meeting with nutritionist soon to get that under control.

Obviously we will have a lot of financial changes that will come with the babies. For now we are getting what we can for hand me downs from friends and family (my SIL basically emptied out her entire basement into our truck, cause her youngest is 4 y/o and she hasn't gotten rid of ANY baby stuff, so she just wanted it all out of there!) and also watching for good deals on FB and at rummage sales. We don't know gender yet, so haven't been getting a lot of clothes, but I do have a double stroller, swings, bouncers, pack and play, some diapers, high chair, 2 cribs, changing table, and a bunch of other baby gear already.


We purchased a Ford F-150 Lariat Ecoboost, this will be big enough for us to fit two adults, two car seats, our 2 dogs, and all of our stuff (luggage, softball bags, dog kennels, baby stuff, etc.) can go in the truck bed. Since we live an hr from town, whenever we go anywhere we usually have to bring the dogs and all the junk, so we needed something with a lot of room, and I didn't want to have to be climbing into the back of a mini van or SVU to dig out kennels and pack and plays etc. We love the truck and are not driving it much at all until babies get here. We are happy that everyone will be safe and comfortable. We will keep driving our old vehicles until we need the room. My Mom was generous enough to loan us money again. We added the $26K for the truck onto the current Mom Loan, but I did separate out the lines so I can see when we actually finish Mom Loan #2 (HELOC) and start paying on Mom Loan #3 (Truck). Our payment will not change on the loan at this time, once we have a better budget idea for when the babies are here, we may change our payment.

Here is our debt update for 9/14/18

Celebrations for this update:
-$873.48 paid off in the last 2 weeks!!
-Store Loan went under the next $1000 mark!!
-Total Debt went under the next $1000 mark for the 7th update in a row!! (This is a record for me!)
-I'M PREGNANT!!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $4,902.01
Mom Loan #2/#3 $38,152.98
MO Mortgage $82,220.71
My Mortgage $146,600.00
Our Mortgage $243,082.65
Total = $514,958.35

Down $873.48 in the last two weeks!

Starting total was $613,351.27
$98,392.92 paid off since 6/19/15 (including downpayment on house)!!!!!