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Archive for June, 2017

Five Weekly Frugal Things

June 30th, 2017 at 01:00 pm

Some frugal money saving things I've done this week:

1. All laundry done this week was washed and put to dry in racks.

2. I vacuumed the bedrooms only once this week. I usually vacuum a lot just because I like to see the vacuum marks on the rugs.

3. I bought some things using credit cards rewards and gift cards. (no out of pocket expenses)

4. I used decorations already on hand to decorate for the 4th of July. Resisted the urge to buy more stuff.

5. Hubby and I went to the Habitat for Humanity ReStore and scored a lot of 11 Nutcrackers/Santas for $8. My hubby bargained with the cashier to get it from $12 to $8.



How about you?



Weekly Update

June 27th, 2017 at 10:07 pm

Today marks the third month without my sister. It is very difficult not being able to talk to her but I've come to accept her death. Grieving is a very strange thing; sometimes there is complete calmness in my heart and there are days in which the storm never seems to end. Anyway, she will always be in my heart.

I am also participating in the Uber Frugal Challenge in July (see details at Frugalwoods.com). I just want to force myself to make meals out of things we already have in the freezers and pantry. Way too many things in there that need to be eaten. I want to be able to reach 74% mark on on our lofty savings goal by then end of August. We're at 71% as of today.

We've been busy bees on the house front. We are cleaning windows and screens, power washing the siding and porch deck, landscaping, etc. I'm taking advantage of my hubby who is on vacation this week.

This is all of I have to tell you today. Patient Saver, Thriftorama, please know that I'm thinking of you.

Summer Work

June 22nd, 2017 at 02:54 pm

As it turns out, I will be writing curriculum this summer, 60 hours total at $30 an hour. This translates to about an extra $1,600.00 net income this summer. I applied because I can do this from home and I got to keep the work laptop for the summer. I am hoping to also receive the one time payment for changing health benefits from family to self/spouse next month.

Today is my first day of summer vacation and I am making a list of things I'd like to get accomplished during my time off. First thing today, my six month dental check up.

Yesterday, I was gifted an additional Walmart, Amazon and Home Goods gift cards from students and a colleague. Yay me!

Week's update

June 19th, 2017 at 06:06 pm

It took me exactly a year and two days to save the money we used last June to pay the HELOC. No small feat; it took a lot of motivation and sacrifice to put that money back in our savings account. I get one more regular paycheck this Wednesday (last day of the school year), then payroll summer savings money will kick in for the months of July and August. We are currently at 69.7% mark on our "lofty savings goal". By Wednesday, we will surpass the 70%. I also hope to add an additional 2-4% during the summer months.

I hope that by the time hubby is able to retire with a pension, we can pay off the investment property since it will generate about $1500 of income every month. I (we) will only pay it off if there is enough to pay it off but still have a generous emergency fund. Who knows! I can always dream, right.

I earned $25 in credit card rewards and I also received a $10 Amazon gift card from a student. This family always remembers the special area teachers and I'm grateful. I used some of the credit I have on Amazon to purchase a waffle maker (ours went kaput after 12 years), a school year planner and large muffin tin liners. All free using credit card rewards.

This is it for today. I hope you have a great work week; Thriftorama, I thinking of you and pray for a great outcome. ((HUGS))

Mortgage payment question

June 14th, 2017 at 02:17 pm

Quick question: I've always made mortgage payments by the first of the month, but I see that it will only incur late charges if paid after the 15th of the month. Let's say, I decided to pay the mortgage on the 15th, will this affect our credit score negatively?

Lots of money spent today

June 9th, 2017 at 11:19 pm

We went to Costco today and the bill was over $300, but we bought a ceiling fan for our bedroom to help with the upcoming hot summer days.

Then DS#2 and I made a trip to Lowes to see about purchasing a ride-in mower for hubby. He's been looking for one on Craigslist for about two years now with no luck. So after some questions, we spend $2500 on a John Deer tractor with grass basket attachment and warranty. We are splitting the purchase between DS#1 DS#2 and I. It is worth the investment as my hubby is getting older and struggling to cut 2 acres of land. The boys help but it is still a lot of work. This will be his Father's Day present. I had a 10% coupon and I used it towards the purchase.

I'll be limiting the big purchases for a while.

Job issues

June 2nd, 2017 at 12:19 am

Things have not been going that well for my husband at work. I am cautiously optimistic, but quite frankly my mission right now is to save as much money as possible to weather the storm in case of a job loss. We've been down the road before. Fortunately for us, he is able to get a state pension (23 years of service) in 16 months. It doesn't replace his current salary but we can make do if necessary. For now, I am hoping and praying that it lasts as long as possible. 2017 has been a tough year for me emotionally with the loss of my sister but I have to maintain the focus to keep it all together and remain grateful for the good things in my life.