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Archive for October, 2009

Went Shopping...Kind Of

October 29th, 2009 at 01:45 pm

I went to Rite Aid and got $56 worth of stuff for $7...and they will also send me a check for the rebates for $6. So really, it was $1. YEA!!! I also went to CVS and got 3 bottles of dove soap for $11. It was not as good of a deal at rite aid, but still worth doing.

The budget looks depressing for the next couple of weeks. But hopefully things will work out. They always seem to.

Feeling Drained

October 26th, 2009 at 07:27 pm

However, I did make it out of the house today! But I am feeling financially and emotionally drained. Financially because I see a huge deficit coming on the 6th of November. Not quite sure how I am going to deal with that yet. Emotionally because my DH is still there! We had an argument on Saturday and I told him that I wanted him to leave. But he continued to argue and nothing was resolved. I told him that I was not going to continue to be called a liar and made to feel like I am doing something wrong, when I am not. When I went to get tires, and had to get brakes too, he asked how much they charged me for the brakes. I told him and he said "that is why you should want me to go to the tire store with you. It is my job as your husband to make sure you don't get screwed. I could have done them at home for $20." To which I responded, how long have I been telling you that I needed brakes? Goes back to not being able to depend on you.

Anyway...It will work itself out I am sure. I think I am just going to have to get forceful and tell him that I can't do it anymore. He looked at me last night and told me that he needed some ankle guards...as if I am supposed to get them for him. I financially can't support him. It would be different if all of his money went into the pot to be drawn from, but none of his money goes into the pot. So frustrating.

Done ranting...thanks for reading.

Four New Tires Plus...

October 25th, 2009 at 12:56 am

When I was getting the tires this morning, they told me that the brake pads were just about to the rotors. I knew the brakes were bad, but had been putting them off as well. So I went ahead and had the front and back brakes done. I fortunately have the money to cover them, but will make the next payday harder. Oh well... at least we are in a safe vehicle now. All I need is an oil change and everything will be up to date on it.

Extra CC payment

October 23rd, 2009 at 03:10 pm

I made an extra $75 payment to my credit card today. I know some of you will say that I should have used that toward the tires, but I have not been able to make extra payments on this card for months...and I had planned on the extra payment anyway. I am not doing something frivilous(like getting my nails done which I would love to do) so i feel like my parents wouldn't mind. That makes a total of $100 paid to that credit card this month. It has a credit limit of $500 and the balance after the $100 is $331. I haven't used this card in forever and just making the minimums is getting me nowhere!!! I didn't even activate the new card when it arrived.

I have $255 left of my paycheck for the next two weeks after I pay everything. I need to get some groceries, but given my new shopping habits, I won't spend much. I have already deducted for gas so I should be in good shape.

The Tire Search Update

October 23rd, 2009 at 01:06 am

Well...I couldn't find any tires. My mom called me last night and told me that they would buy me the 4 tires. I am not happy about it. Then I found out today that they had to pay my sisters power bill because it had been cut off. Long story, but she is a hypocondriac nurse...the worst combination possible. She is on disablity right now because she had carpral tunnel surgery. But she has never managed her money well. She also asked my parents to put hearing aids on their credit card a few years ago, which she never paid for and I don't think she uses. We are probably goiong to have to move her real soon as she is probably going to lose her condo(the third house she has been foreclosed on). So once I found out they had to pay her power bill, I told my mom that I was going to wait on the tires. That I just have to believe that things are going to be okay. She pulled the mom/grandma card again. She said that I don't have a choice. They are getting them because I tote their "favorite spoiled granddaughter" around. I feel really bad about taking the money for the tires. But I am not sure what else to do. I am really nervous on the ones I have and it would bring some peace of mind.

In other news...I think DH may be moving out. He has threatened it several times over the last few months. But this time I think I finally have the courage to tell him that he needs to. He rarely contributes financially and he expects me to take care of his debts with no additional income. I can't depend on him to do things that need to be done. And I am tired of being told I am a liar. He constantly tries to make feel like I am doing something wrong because I don't tell him every stop during the day. For instance...Saturday morning, DD had to be in a parade. We had to be there at 9:30. at 7:45 my ex husband sent me a text asking if I could meet him in the next town to pick up the banners for the float. I knew nothing about the banners, had no idea he was even doing the banners. The cheer coach had been talking to him directly. So we met him and still managed to make it to the parade. But because I forgot to tell him that we went to meet him, I am hiding things. And I am lying about knowing that ex was doing the banners...He said that he asked me several times to see what I would say. I honestly forgot that I went to meet him. When we were there, we got donuts at Kroger. Since we don't have a kroger, I wouldn't have left the donut boxes on the counter if I was trying to hide that I went! I feel like I am a child who is supposed to report my every movement. He has a real problem with plans changing. he doesn't adapt well. Anyone with kids knows that plans constantly change!!!

Anyway...sorry to rant. Just feeling kind of blue still.

The Tire Search

October 21st, 2009 at 07:32 pm

The search is on for 235/70/16 tires. I need four of them. I am looking for used ones that are in good condition. I have called 4 places so far and they have no used ones...well one place had 3 used ones and only 2 were in good condition. All of the places are happy to sell me new ones, for $100 a piece. UGGGG!!! I am in such desperate need of tires. My parents told me last week that they would buy me two tires. I initally refused their offer. I hate accepting stuff from them anymore! But my mom played the mom card and told me that they were getting them because I cart their grand-daughter around so much after dark that they don't want me(and her) stuck on the side of the road somewhere. But come to find out that you can't put just two tires on a 4 wheel drive vehicle...according to my DH. I am not sure about that, but am willing to go with it because honestly, I don't know which two of the tires that are on the truck right now could be kept! So we are looking at $400 for a set of tires! Double UGGGGG!!! I have been in contact with my mom letting her know all of this. She said that she is going to talk to my dad tonight to see what he thinks. I could pay for the other two tires on Friday, but then that would make the next pay period hell...like not even able to make my debts! So I am not sure what to do.

And I have been so slammed at work! We have a conference coming up in November that I am in charge of planning. Getting the materials and making arrangements and dinner reservations and....I am losing my mind!! I have screwed up two things this week...not having enough books to send next week and not sending the cd's off in time to have them copied for next week. These don't sound like huge things, but to my boss, they are.

No motivation today

October 20th, 2009 at 05:26 pm

I am completely empty of motivation today. I just want to go back to bed. I haven't been like this in a about a week. But I figured out why, I think. I have been so consumed with taking my new medication that I forgot to take my thyrod medication the last two nights. And it doesn't help that my littlest dog has taken to yipping in the middle of the night...all night. The first night, I thought she needed to go to the bathroom or something, so I let her out and she just ran around the living room! Very frustrating! And of course, DH hears her, but doesn't do anything! I have to get up and put her in the bathroom, which sstill doesn't block it completely! I have got to get some good sleep tonight! I have got so much I need to do at work today it isn't even funny!

Financially, not much has changed. But it looks like I will be back on track by the end of November. So although I had to push my mortgage payment back this month, I won't have to push next months back. I have tried to plan for everything, dr appt, prescriptions, yearbooks. Crap..forgot about cheer competition. Need to allow for that. But should still be in pretty good shape.

I haven't been able to feed my coupon/sale shopping addiction. It is driving me crazy! There are so many things free at rite aid this week...nothing I NEED>..but stuff I will need as the cold season approaches. And getting it free sure beats having to pay for it!

I have noticed that since I have been sale/coupon shopping I save more money with the sales items. It isn't the coupons that saves all the money. BUt I have also noticed that I have failed to keep items in the house that we usually like to have on hand...like sour cream...nacho chips...etc. So I will have to do a better job of balancing my list.

Here we go again...feeling frustrated

October 19th, 2009 at 01:59 pm

Just when I start to get things straight...looking at my budget for this payday and it doesn't look pretty. I have to get propane for heat and I am in desperate need of new tires. My parents said that they would pay for 2 new tires, but since my car is 4 wheel drive, I can't put just two tires on it. But my DH suggested last night that he take the tires off of his truck and put them on my explorer. His are almost new. Then he knows someone who has 4 tires that still have about 70% of the tread on them for $125 that he could put on his truck. So for $175(the tires plus having them put on the rims) I think the tire issue is solved...and my parents will pay for that. But since I still have to get propane, I think I am going to have to put the mortage off until next payday. That stinks! I have done really well at keeping it on time. I am really disapointed. DH hasn't been working because of the rain(not that he helps me much anyways). So I am not quite sure what I am going to do.

I set up an automatic payment for my cell phone bill to come out of the secondary account, that we never use. I was supposed to go in and change the date on it, but forgot. So that payment will be coming out of that account in the next couple of days and I don't have the money to cover it. At least there isn't anything else pending on that account so I will only be charged with one fee.

The doctor that I saw last week was supposed to hold my check until this Friday...they do that for patients. Small town. Anyway, they didn't. It cleared my bank on Friday. So that is more money that I need to come up with to put into my primary account...I am not sure how I ended up needing $200 for this account, but I did. And I am not sure where to get that from! I will be charged a massive amount of fees though if I don't come up with it. "mom...dad...I need some more help!" I hate going to them!

Broke down...turned heat on

October 17th, 2009 at 11:04 pm

I broke down and turned the heat on last night. We left the fire burning, but I was afraid that it would get really cold before morning. SO I turned the heat on but I turned it on to 60. It tried to come on this morning but DH caught it as he was building a fire. I don't know if it ran at all last night. I turned it on 60 when we left just in case so we wouldn't come home to a freezing house. But the automatic thermostat that saves us so much money hit the next setting and went up to 68. So it probaby ran while we were gone. Drats! I built a fire as soon as we got home.

Went to Food Lion last night. Did pretty good. Also went to Rite Aid. There is nothing on sale this week that I need or that is an especially good deal(at least not for things I need.) So I won't make an effort to get by there. Maybe when the food lion sales come out, I will find something.

DD had a parade this morning for the comp cheer team and a game for the middle school team. It was freezing! 46 degrees! I was completely wrapped up in blankets. My own daughter didn't recognize me because I was so bundled up!!

I have to go now...have to track down a 16 year old who called into work today and hasn't called me since last night!

Still no heat....

October 16th, 2009 at 01:44 pm

We still have managed to not turn on the heat, but that might change this weekend. It is supposed to be in the 30's Saturday morning and the high is only 46!!! But we will build a fire and try to resist...especially because we need propane and I don't have the money for it! we are at 25%,, which will last a long time without turning the heat on. If we turn the heat on, it will last about 2 weeks!!! But we have lots of firewood ready to burn.

What would you have done?

October 15th, 2009 at 08:54 pm

My daughter need jeans desperately since it is rapidly getting cold around here. The last time we got jeans, I took her to the consignment shop down the street that has really nice stuff. They are very picky about what they accept. The other option is to use the credit card that I have been trying to pay off, which has about $70 available on it, to get her two pair of jeans. What would you do?

I borrowed the money from my mom to get her some jeans at the consignment store. I could have used the CC but would have spent more for the same jeans. I am not discplined enough to pay it off next week when I get paid, but I will pay my mom back. So i think I made the wise decision, although I hate borrowing money!

Poor Planning Costs Me Again

October 13th, 2009 at 03:05 am

I hadn't stocked up on cat food and I forgot that I used it all last night. So at 9:15 I get a text(yes, I was still out at Violin lessons) to get cat food. By that time, the only place open was a convenience store. So I cursed myself and paid the huge price for a small bag of no-name brand cat food. But when I got home and opened the bag....it had cobwebs in it! yea...it was gross. And then bugs flew out of it! So I had to load up in the car and drive the 4 miles back to the convenience store to swap the cat food! So not only did I get ripped on the price, but it cost me in gas to go back and swap it! Poor planning strikes again!!!

Fire in the Fireplace

October 12th, 2009 at 04:43 pm

Well, we have resisted the urge to turn the heat on...but we have had about 3 fires to take the chill off. It really makes it nice!

Tahoe, our recent feline addition(someone left him at the foot of our driveway!!) thought he wanted to go outside...was out there about 1 minute and decided he wanted back in...he doesn't like the rain! It is supposed to rain all day. YUCK! The other two cats are stretched out on the couch probably wondering why we are all home today.

I have a dr appt at 2:00 to see about getting my medication adjusted. It just doesn't seem to be working. I quit taking all of my non-prescription pills, thinking that my be affecting me. I know they aren't suppossed to, but I react wierd to stuff...I mean who is allergic to benadryl???? Me thats who!

I have resisted the sales this week. I have been looking, but haven't done it. My fear is that if I resist and don't go this week that I will get out of the habit of doing it. I hope not. I really enjoy it.

Credit Score on the Move

October 11th, 2009 at 11:29 pm

I just checked my credit score on creditkarma.com. It has come up 50 points since July! That is about how long I have been able to pay everything on time! That is impressive. I don't know how accurate that is, but it sure makes me feel better!

Sleepy Sunday

October 11th, 2009 at 03:44 pm

Today was a sleep late day. I slept until 10:00. It felt good. My ds has a soccer game at 2:00...at home. So that is good.

Not much happening financially. I have still resisted the urge to go to Food Lion. Lets hope I can hold out the rest of the week!

Payday and Feeling Blue

October 9th, 2009 at 05:12 pm

Today is payday. Everything is set up in my bill pay so the only thing I had to do was stop to pay for the po box.

I was thinking about the goals I posted at the beginning of the year and am feeling blue because I haven't accomplished hardly any of them! My main thing was paying of credit cards...and I haven't done that...not a one. So next year, I will have to focus more to get that goal taken care of. I know the year isn't over, but I don't see that changing in the next couple of months.

I am also feeling blue because although it is payday, I am broke! I feel like I am getting no whereeven though most of the bills are current(minus the cell phone). I desperately need new tires, but I can't get them worked into the budget. Every time I drive to work I wonder if today is the day one of the tires will blow out. I just don't know what to do.

I have an appointment Monday to see about adjusting my meds. I just can't seem to get out of bed...well, I get out of bed to take the kids to school and almost fall asleep on the way! So I come home and sleep for another couple of hours before I head to work...if I even leave the house at all. I am also in extreme pain again from the endometriosis. Woke up several times last night. Hopefully they will figure something out.

Rite Aid Fall Savings Program

October 8th, 2009 at 04:49 pm

I requested my rite aid gift certificate today. I have spent $100 and an am elgible for the max certificate, $20. Best part is that I actually only spent $59! The $100 is figured before coupons and discounts. That is awesome! I think Rite Aid has become my favorite store over CVS.

Just looking over my budget. It looks glim. But I am still able to see the light at the end of the tunnel! I always see the light though but I am never able to actually get there! Maybe I can get there this time!

Trying to Resist

October 7th, 2009 at 10:44 pm

Like I said, I have become addicted to couponing. I have printed out my Food Lion list. But I am trying to resist. There is nothing on that list that I NEED. And the stuff that is on sale will be on sale again. But there are some good deals. I have the money to shop this week, but next payday will be really tight, so I should really save what I would spend. But I can't help it! I get this thought in my head and it won't go away until I do whatever it is. But I am trying to resist.

Rite Aid Trip

October 7th, 2009 at 12:21 am

Here is how I did at Rite Aid tonight

Conair Straightener 17.99
-5.00 SCR
-2.20 first tuesday
total 10.79

Airwick Air Freshner 12.99
Sale price 6.49
- 6.00 coupon
- 2.20 first Tuesday
total (1.71) Made Money!

Colgate Toothpaste .99
- 1.00
- 2.20 first tuesday
total (2.21) Made Money!!

(2) Kotex Pads 3.99
Sale Price 3.00
-2.00 on two
-2.20 first Tuesday
-1.00 SCR
Total 1.40 each

I took the total first Tuesday savings and split it between the number of items purchased. I spent a total of 15.61 and will receive $6 back! Pretty good!


Bleak Outlook...but everything paid

October 6th, 2009 at 04:24 pm

I am looking over my finances for the next couple of weeks. I am going to be broke...but everything will be paid on time!!! The power bill...the dish bill...the car payment...everything except for our cell phone bill. I haven't looked ahead to the end of the month in detail yet...but I am sure it will be depressing.

But...we have a houseful of groceries! I truly believe that I have become addicted to shopping with coupons. Although I don't have the money for shopping, I always find it. It just feels good to save money. We have the greatest variety of food in the house that we have ever had! And I am turning down items that I don't think are a great bargain(Lysol cleaner on sale...had coupon...but still over $2 so I didn't get it!)

I also think I am going through a depression...I find it difficult to leave the house in the morning. It doesn't help that I have the type of job where I can work from home and no one monitors me! I get my work done, but not during traditional hours usually. I take the kids to school and come back home to sleep for a couple of hours. If I go straight to work, I have to literally keep myself awake by rolling down the windows. Then at night, I can't fall asleep, despite the sleeping medicine the doctor prescribed. I have an appointment Monday to see about adjusting my medication.

Savings Today

October 6th, 2009 at 01:05 pm

I stopped by Food Lion today to get bread and milk. I went ahead and picked up some sale items. I got a bottle of snuggle for free! It is on sale for $3 and there was a $3 off coupon in the paper sunday! I got 2 cans of Grands Biscuits for -25! yes that is right! I made money on the biscuits! I didn't realize that Food Lion had a version of Refund Bucks...I got three dollars off the next shopping trip for the biscuits! I saved almost $4 on bread alone! And of course, the dog food was still BOGO free.

Here is the link to my saving spreadsheet...I hope that you are able to open it now.

http://spreadsheets.google.com/ccc?key=0Aoxxen7TLxGJdDl4eXVTM1dScWlza0J1TkdnekNIRnc&hl=en

So Far this month I have saved $96.34!!!

BRRRRR!!

October 5th, 2009 at 02:30 pm

It is really cold in here this morning! I am turning the heat on though. I am piled under two blankets. DH isn't here to build a fire...so bundled up I am. Working from home today since I have to go to Ellijay this evening. Saving Gas by not making two trips in the same day!

No Heat Challenge...built a fire

October 4th, 2009 at 02:55 pm

SInce it has been so cold in the mornings, we built a fire last night, closed the doors on it and let it simmer. When we got up this morning, it was comfortable in here. We have the fire going now and it is taking the chill off. It is only supposed to get up to 69 today, which isn't that cold, but the house never seems to warm up. By builing the fire, we haven't had to turn the heat on yet! I am hoping to keep this up for a while! Maybe through October...Would love to not have to turn the heat on!!!

"did you hit the lottery?"

October 3rd, 2009 at 06:28 pm

This was the question that my DH asked me last night. He went to feed the dogs and there is half a bag of food and two unopened bags in the pantry. This is quite unusual. We are usually waiting until we are out and then make sure we remember to stop at the store. But since it was on sale, bogo, we have two bags! And I am thinking that I will get 2 more bags before the sale ends!

We also have more food in the house than we have ever had at one time!

Took dd to the consigment shop to get black pants for her band concert tomorrow. When I told her we were going there, she was so upset...like disappointed. But turns out she thought I meant the one that has nothing but run down clothing and nothing good. There is a consigment shop in Ellijay that has really nice clothes. She was impressed. We got her the black pants and a pair of jeans. She only found one pair of jeans that fit, but they said they were putting out more stuff next week. So I will take her there next week sometime. so we got black pants and jeans for Ashlee and I got two shirts for layering and a new purse. Total spent = $34. Sure beats the $49/jeans she wants! And she was happy. Definite difference between consignment and thrift. She is going to gather up her clothes to take there...might get enough credit for her entire wardrobe!

Got a Hot Shower this morning!

October 2nd, 2009 at 01:47 pm

I actually got up in time that there was hot water left this morning! YEA!! It felt so good!

I don't know why the link to the sheet isn't working. BUt here is a link to my blog...there is alink there that should work.

http://lifeofacouponaddict.blogspot.com/

or you can copy and paste the link in the browser to open the document.

Picked up 10 dozen donuts this morning to sell. I was a little perturbed. I was planning on getting 50 dozen and selling them tomorrow. However, I was told that I could only get what I had actually already sold! So I only ordered 10 dozen. When I got there...some of the others had mentioned that they got extras to sell! UGGHHH!!! I wouldn't have participated if I had known I could only buy what was presold! Then to find out that I could have bought more! Yea...a little perturbed. Sure could have used the extra money for cheer expenses. There is a bunch coming up this month that I will have to pay for!

Food Lion Savings

October 2nd, 2009 at 01:40 am

I did pretty good at Food Lion tonight. The total before MVP and coupons was $121. The total after MVP and coupons was $64. Saved 50%! Awesome! There are three awesome deals....dog food - 17# for 5.00(BOGO) Kraft Cheese - .65 Jif Peanut Butter .50

Here is the link for the spreadsheet...select October on the tab at the bottom.

http://spreadsheets.google.com/ccc?key=0Aoxxen7TLxGJdG44WXFnMFpHMmpPVDhpWlJTdGE0SlE&hl=en

I have started October off with a bang...can't wait for the paper because I hear there is a $3 coupon for Snuggle and it is on sale for $3 at Food Lion...making it free! Might also get another couple bags of dog food. $5 a bag...can't beat that!

I love saving money!! And we have more groceries in the house than we have ever had before!

Itching to go shopping!

October 1st, 2009 at 06:01 pm

I have truly become addicted to couponing! I have made my list for Food Lion and can't wait to go this evening! I am suffering from some sort of illness I believe! I am ahead on the CVS and Rite Aid trips, so until the new ads come out, I don't need to go there. I am just in awe of how much money I have saved! I am sure I will really start to notice a difference once my stockpile is completely done...then I will truly only be buying what is on sale!