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Archive for November, 2010

After the holidays

November 29th, 2010 at 02:22 am

Today is the first Sunday of Advent so I lit the first candle after a brief prayer. This is how my Advent wreath looks like.




I'm already making inventory of the things I will need to buy after the holidays at a discounted prices. I need Christmas cards for next year, Advent candles,Christmas tree ornaments (want to change the look of the our tree next year) and a new artificial Christmas tree. The tree we have, I feel, it's too big and a pain in the a$s to open. I seem to bribe DS#1 in putting the tree together for me.

Snagged some deals!

November 26th, 2010 at 07:06 pm

Woo hoo!!! I received the gift.card I purchased at mobba.com (I've learned about this deal through moneysavingmom.com). I paid $6 for a $15 Fuddruckers gift card and today I discovered that my entertainment book has several coupons for Fuddruckers. My DS#2 loves Fuddruckers. I also bought a $50 gift certificate from Restaurant.com for $20 and received 440 swagbucks.

Free collage print

November 25th, 2010 at 02:50 pm

Don't miss out and get your free collage print at Walgreens.com. These are just lovely and if you pick store delivery, the collage is completely free! Free is nice.

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I made the first college tuition payment for my DS#1. The total bill is $5187. I'll be making a payment for the the next 3 months. I'm happy to this and my son is very grateful.

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Hope you have all have a great Thanksgiving! I feel bless to part of this community of bloggers.

No CC

November 22nd, 2010 at 06:51 pm

I've realized that we tend to overuse our credit cards. This month we paid close to $1300 for October purchases. Yes, we do pay at the end of the month, but we seem to rationalize that we'll have some time to come up with the money. From this point forward, we'll use our debit card to make purchases. I'll keep you posted.

A nice web link (Thanksgiving Snack Mix)

November 21st, 2010 at 12:39 am

I saw a link for the Thanksgiving Snack Mix at moneysavingmom.com, but this is the direct link if you want to do them. http://www.nobiggie.net/2010/11/be-my-guest-marta-of-marta-writes.html

Here's a picture of one I made.



You can also download the printables to attach to the bags in the same website.



I made 30 individual snack bags to give to my coworkers. This is quite delicious.

Note: The corn nuts are pretty expensive so you might want to just use the candy corn. I used both.

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My poor hubby lost his truck keys today (luckily we have a spare). He is not having a good week; he might lose his job and now the keys. Needless to say he is in rare form. Frown

Clothes and deals

November 20th, 2010 at 02:13 pm

I think we've used our clothes dryer a handful of times this year. In the summer we hang our clothes outside to dry and in the other seasons we hang clothes in clothes racks. I think that it has saved us a minimum of $25 or more a month. This basket full of clean clothes were all dried in clothes racks.



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Deal of the day:



$1.99 for a pack of 12 rolls of toilet paper using $3 worth of "ups" reward Rite Aide. (.16 cents per roll)

$7.99 for (4) 12 packs of Pepsi products.
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Thank you to those of you who gave me ideas for the cookie exchange. I'll let you know which cookies I'll be baking!

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We will also be ordering my DS#2 his high school sports jacket. He chose the Lacrosse patch for the back of his jacket and wrestling for the sleeves. I'll post a picture when we get it. Those jackets are rather nice, but very expensive. It'll be his Christmas present.

I hope you all have a nice weekend!




Need your help!

November 19th, 2010 at 11:59 pm

I signed up for a cookie exchange at work. I'll have to get busy this weekend because it'll be on Tuesday after work. Does any care to share their favorite cookie recipe with me? I'd like to make at least two kinds of cookies. We agreed that we would make a dozen cookies for each person, which means I'll have to make 120 cookies.

Thanks!

Added $ to savings

November 17th, 2010 at 10:57 pm

Got the check for the property taxes from Lending Tree. Woo Hoo! I updated my sidebar to reflect the addition to our savings. We are actually going to beef up our savings because my husband's job is a little bit shaky and we're not sure how long it's going to last Frown

Downsized on We TV and other updates

November 14th, 2010 at 02:38 pm

I watched "Downsized" on WE last night. I was shocked that the Dad at one point was making $1.5 million a year and he's now barely making $2k a month. I could not help to wonder if only these people would've play their cards right, financially speaking. One can have it all one minute and lose it all in an instant.

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We closed on our refinance Tuesday. We should be receiving $2k back because our quaterly property taxes were accounted in the settlement, but we had already paid for them. We should also see a reduction in principal of $1.029.59. The loan we chose allows a maximum of $2K in cash back.

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I have to do a little bit of food shopping but I don't think I need to spend any out of pocket money since I found a Walmart store credit of almost $40 in my purse.

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Lots of bills to pay this week so very little (or if any) we'll be going to savings this pay period. DS#1 told me has close to $4K in savings and $2,500 in a CD. He saved the $4K all by himself, the CD money is partially our contribution, birthday, Christmas, Communion and allowance money. We are hoping he can pick up a Friday or a Saturday at his part-time job once he starts at the state university in January. He won't be able to work during the week since his class schedule is a bit crazy this semester.

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I've washed and hung to dry outside about 4 loads of laundry. The weather here has been awesome, at least for the weekend. Made banana bread last night!

I hope you all have a great Sunday and a great work week.

Tomorrow, at about this time

November 8th, 2010 at 11:04 pm

We officially applied for a refinance loan on October 18 at 8:00 pm. We close the deal tomorrow at 6:30 pm. It took 22 days from start to finish. Not too bad! Lendingtree.com rocks!

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So a friend of mine and I had breakfast this past Friday at our local IHOP. I left the place feeling disappointed. Within a few minutes, I was eating cold hashbrowns and eggs. I did not complained because of all of the horror stories I've heard about what happens to your food when the food is sent back to the kitchen. I did write to headquarters online and today I received an e-mail from the manager apologizing for how the food was served. I'm also getting a $20 discount off my check the next I go to IHOP. I guess it was worth complaining.

I hope you all have a great work week!

Happy to know

November 2nd, 2010 at 09:11 pm

So we finally received our appraisal report and to my surprise the house is worth $375K as opposed to the $350k we thought it might be worth. Luckily, including the few things we've done the house, it's still worth more than what we paid for the house in December of 2003 (paid 325K). Our schedule closing date for the refi is November 29th.
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My salary increase was approved by the board of education last month. Too bad I won't get the increase until June of 2011. The faculty in the district I work for agreed to a salary freeze from September thru May in order to save jobs. I'm fine with that. People before money!
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My son told me that all of his credits from the community college were approved when he transfers to the state university. / for him.

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We're still doing everything we can to economize so that we have the extra money to take a vacation, pay for college tuition for our son and continue to beef up our emergency fund.