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Archive for September, 2010

Mortgage Principal #3

September 29th, 2010 at 10:22 pm

I checked our mortgage payment history online today. We paid $1458.65 towards the loan principal. / See my side bar to see how much it's gone down.

Making adjustments, but okay with it.

September 28th, 2010 at 01:05 am

I looks as if I will have to stop the extra mortgage payments for a little while. My car needs a battery or/and some module. I'm not going to complaint about the car because it has never given us any problems before (it has the orgininal battery and muffler).My husband mentioned that today one of our tenants in the rental house called us to tell us he'll be leaving September 30th. He's a month to month tenant and he acknowledged that he knows he won't get his deposit back and he was fine with it. I think it will be a while until we rent the apartment. I've noticed quite a bit of RENT signs in town. Lately we've been overspending quite a bit so it's time to get back in gear and tighten our belts.
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We had been talking about financing another car once my 16 year old gets his license in March, but the more I think about, the more I realize that this is not fiscally responsible. We still have over three years on a truck loan and if we buy another car, we'll have close $900 in car payments. That's not us. Instead we'll run our 2001 Suzuki GV XL7 'til it dies and buy our son a decent starter car. He has been talking about joining the military after high school, but he is only a junior in high school so he has plenty of time to change his mind.
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I ordered 2 $25 Amazon gift cards using my rewards through my Chase credit card. I have another $5 amazon gift card I earned through Swagbucks so I will have a total of $270 in my amazon account. So darn happy! I also purchased a nice pair of sneakers and a water bottle from Kohls.com. Crystal from Moneysavingmom.com published two promotional codes yesterday for a 20% off and free shipping. I had a Kohls $25 gift card laying around and used for this order. Absolutely free and I still have a little over $2 left in the card. WooHoo!!!!!
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Last but not least, my coworker and I decided to put any money we find at work in a found money jar and at the end of the year, we are going out to lunch by combining the money. Today, I found .20 in the school cafeteria, .25 in the hallway and .05 under the cover walk.
Here is a picture of my "found money jar":



That's it for today. I hope you all have a blessed and happy work week.

Need suggestions

September 26th, 2010 at 02:05 pm

We were paying $110 (including all extra fees and taxes)for a bundle which included high speed internet connection, a land line and cable. Unfortunately the promotional year has expired and our bill is now $158. Quite honestly, in my opinion, I cannot justify paying so much money. Our phone barely rings, the TV channels are nothing to brag about and I can probably pay a little less for internet connection. We were thinking of dropping the land line and adding another cell phone for my husband to our plan. Yes, my husband does not have a cell. I think we can do without cable and get another internet provider. Does anyone know if we can get an TV antenna for the house to get a few channels? Can we still have internet connection without a land line? I'd really appreciate any suggestions any of you may have.

Extra Mortgage Principal #3

September 18th, 2010 at 06:07 pm

My husband took the coins to the bank yesterday, which yield $29.55. I'm adding that amount to the extra principal payment which will be 1,029.63. (doing the happy dance)
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I'm actually going to pay for my sons to see "The Bodies Exhibition" in New York City. They are dying to see it, but I don't think I can stomach it. They'll probably have to take the bus or the train into the city. I'm also going to see the West Side Story Revival before it closes in January. I'm looking for a great deal on the tickets.

As always best wishes for a wonderful weekend and a frugal week!

Finally

September 15th, 2010 at 10:47 pm

I can breath. We earned our first paycheck since July 1st. I'm transfering the $748 for savings (our monthly savings)and the $2,484. for the mortgage payment, which include the $1K towards the extra principal payment. I'm taking the coins to the bank tomorrow to see if I can send an additional $50 to the principal. Next pay period I'll take care of the rest of the bills. I really, really want to continue paying towards the principal so that maybe just maybe, my hubby can retire at 60. I'll have to work quite a few years more than he does since I was a stay at home mom for many years. He's almost 52 and I just turned 41 years old. I also increase my 403B deductions to $200 per pay period from $150.

I hope you all have a frugal week and a wonderful weekend.

Going shopping

September 10th, 2010 at 04:05 pm

with a list of items I need for next week's dinner menu. Hopefully everything I need will cost me less than $40 because that's all I have on hand from my grocery envelope. I have to attend a back to school night next week, because I'm teaching an 8th grade class this year. Usually, we order takeout for that day because the day proves to be too hectic for me. I'm making the food ahead. I will also have to attend another back to school night for the high school (I teach 4 high school classes), the 21st of this month. I guess I'll have to cook ahead also.

Fun weekend

September 5th, 2010 at 11:39 pm

It was a rather spendy but so much fun weekend. The total for both days at New York City was about $330. The musical was phenomenal and quite honestly I'd see it again. The Madame Tussauds wax museum was also awesome. I'm attaching some of the pictures I took. (crossing my fingers that they don't disappear)














Some success in the kitchen and other stuff

September 4th, 2010 at 12:51 am

I took advantage of having the day off today to make a few batches of buckhorn dinner rolls. I also had to change the menu for today because my son begged me to make him spagetti with meatballs (along with dinner rolls and corn). I was so excited that the corn was crispy and delicious. I blanched the sweet corn kernels a week ago and I'm glad I can continue to this with vegetables that otherwise would've end up in the garbage. Less waste, more money in my pocket.
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Tomorrow I'll be in NY City for the musical and Sunday at the wax museum and M&M store. Pretty soon the balance of my account at Amazon.com will be $205. I ordered a $25 gift certificate using the reward points from my amazon credit card and I'm also waiting on a $5 amazon gift card from swagbucks. /

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I returned to work Wednesday and Thursday for professional development and Tuesday after Labor Day is the official opening day of the school year. We were informed that we will now have the option to get paid 12 months of the year or continue with 10 months. I think I'll just pass this year, since I worked so hard this summer on twicking our household budget. I requested to have my checks on direct deposit.

Have a great weekend everyone.

Mortgage Principal #2

September 1st, 2010 at 08:04 pm

Checked on our loan activity online just a little while ago. We paid a total of $1,422.73 on the principal for the month of September! I'm feeling very excited about this. / Woohoo!!!!!