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Archive for October, 2011

Snow, free items and a little financial update

October 29th, 2011 at 04:45 pm

It's snowing in northern New Jersey; too soon for my liking. Oh well, nothing I can do about it.

I made pumpkin pancakes this morning for breakfast. I had some leftover pumpkin puree in the fridge I did not want to go to waste. There were so yummy. Make sure to look at people's comments for ideas to take them better. I just left the vinegar sit in the milk for 5 minutes like one person suggested.Here is the link for the recipe: http://allrecipes.com/recipe/pumpkin-pancakes/detail.aspx

We are officially one year ahead on our mortgage principal. By mid November, we'll owe 13 years on our mortgage instead of 14. We've paid $22,954.27 to the principal of this house this year. I'll make the last mortgage payment of the year November 15th. Let's see how close we get to our $30K principal goal.

I'd been using coupons when I go grocery shopping. Last week, I saved a little over $21. I managed to score a few items (a gallon of milk, a razor and a bottle of Mr. Clean).

No plans for this weekend. Next weekend I'm going to a Pampered Chef Party at a friend's house. Should be fun. I'm also going to see the Christmas Spectacular and the Rockettes in New York City this holiday season. One of the things in my bucket list. I plan to pay for this using the $300 cash back from the newly acquired Chase Freedom credit card. I'm going with my little niece, my dear friend and her daughter and my friends mom.

On November 3rd, I also scheduled some money to transfer to savings/Italy trip and Roth IRA. I plan to fun the Roth IRA completely prior to April 15th, even if it means tapping into my savings to do so. My sent my sister $100 to help out with my mom's expenses. Here's some pics of free items and pumpkin pancakes.









I hope you all have a great weekend.

P.S. I succumbed to the cold and 2 days ago we turned on the heat. We paid $1200 to fill the heating oil tank completely. I could've been more but we still had 175 gallons left from last season.

$356.71

October 14th, 2011 at 10:12 pm

is the amount that would get us to be one whole year ahead of schedule on our mortgage amortization table. By January 1st we will have 13 years left on our mortgage instead of 14 on our 15 year mortgage. I'm super excited about this. Although I will not meet my super ambitious $30k principal goal, I still think that we did well considering we are paying for our son's college tuition cash every semester.

Christmas shopping:

My goal for this pay period is to buy 2 Christmas presents. I'm buying one of those presents using the money I've earned through swagbucks and amazon cc rewards.

Cable, land line and internet (bundle):

Hubby called our provider to tell them that we were looking into switching companies if we did not get a better deal. Customer service lowered our bill from $148 to $115 a month for a year.

Our son:

My DS #2 has been doing some odd jobs for our neighbor to fuel his car when necessary. The other day, I guess he found himself with quite a bit of cash in his wallet. On Tuesday, he left me $40 on the counter and asked me if I could deposit the money in his savings account. I must say that this was a very proud moment for me. All the pep talks about saving money for a rainy day is paying off. He's also alternating weeks with a friend to make the trip to the gym. They both felt that it was a waste of gas to take two cars.

Very busy weekend coming up. I hope you have an enjoyable weekend.

Life is good

October 8th, 2011 at 11:32 pm

Today I resolved to enjoy the beautiful, sunny fall day we were blessed with. I cleaned the house, went for a walk, cooked, baked and now I'm posting. I'm reading The Girl with the Dragon Tatoo. I downloaded the book to my newly acquired NOOK. I read The Last Lecture and beside sobbing through many of the pages; it gave me a new lease on life. It was very touching!

Financially, things are just moving along. Still trying to make the best use out of our income and frankly I feel so very blessed and satisfied with my life. Five hundred dollars went to paying extra principal on the mortgage.

Today's cooking yielded: 4 containers of spaghetti sauce and a cookie jar full of double peanut butter cookies. I'm thrilled with the sauce and my kids with the cookies.



I hope you all have a happy Sunday and for those of you off for Columbus Day, enjoy your extra day off. ((HUGS))

Weekly update

October 1st, 2011 at 10:35 pm

I'm always looking for ways to motivate myself to save money. Last week, I decided that I (we) are going to put .25 of every $1.00 we make to savings each pay period. I put away a great amount of money away since we should be collecting rents sometime this coming week. I also put money aside on my "Italy" (2013 trip to Italy) ING account and $400 to my Roth IRA. I also transferred $50 to a separate account to send to my Mom when I see that she is short on funds. I will try to transfer the $50 every pay period to my "Mom Fund". I'm now paying my mortgage the 15th of the month, two weeks before its due day. My Amazon gift cards credits will increase to 311.92 withing the next two weeks. I just earned $5 gift card from Swagbucks and $25 from Chase's Amazon reward credit card.

Have a great Sunday and work week!