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Archive for February, 2009

Game is cancelled!!

February 28th, 2009 at 02:37 am

I know it is horrible to be happy that a soccer game was cancelled, but I am happy that it was cancelled. We don't have to drive 2 1/2 hours! He does have a home game now, but that is okay!!! I get to save the money I had budgeted for the game! So now I won't have to transfer as much as out of savings next week. I woud love to transfer it into my savings, but I know that I will need it next week.

YEA!!!

$643!!!

February 27th, 2009 at 03:28 pm

That is how much I have in my various savings accounts! I have never ever had that much money "sitting around". I know I blogged about that yesterday, but some was added today and I am just tickled to death!

I added $9 to my vacation fund. I had alloted $30 for Girl Scout cookies,not remembering how much I had ordered. They are only $21 so I transferred the difference into the Vacation Fund. That has been the biggest thing for me...putting anything over what I allow into savings...it is already taken out of myy account, so why not?

I might need to take some out of savings if my DH doesn't give me any money today. But I can make it back up when he does.

It is storming today...hopefully they will canceel the soccer game tomorrow. Isn't that terrible? But I really don't want to drive the 2 1/2 hour drive to sit all day!

I also paid all of the utilities today as well as the credit card payments. Every utility is on time! I made a payment on every credit card, and extra on one! I am on a roll...look out!

I do have one UGHH! My DH picked my son up from practice yesterday and went to Burger King. I have nothing against them going to burger king, but that meant that I would have to feed my daughter then. I hate to wait until we get home at 9:00 from cheerleading before I even start something, so fast food it was again! If he hadn't gone to BK, he would have made dinner and it would have been ready when we got home. UGGGG!!!! Another eating out that I wasn't planning on!

In the history of me...

February 26th, 2009 at 03:13 pm

I have never had $500 in savings! I do now! I have it spead out in various accounts, but it is over $500! I am so proud of myself! I used to get really mad at people who said they were broke, but they werent really. You know the ones who had money in savings or had access to other money. Because I really was broke! Like counting pennies to make the mortgage payment or calculating excatly when they would cut the power off. But now I get it! The choices I made were what was causing me to be so broke! granted there are some people who just don't make enough money, but I do. And now I am managing it better and I feel great about it!

Thanks to all of you guys for supporting me and being there with advice and wisdom. It has really made a difference to me!

Transfer to Savings

February 26th, 2009 at 02:01 pm

Not much to report here. Yesterday, my DH asked me to stop and get him Cigarettes so I went ahead and filled up my car while I was there. I will not need gas again before Saturday so that left $18.65 in my gas allowance for the two weeks. I transferred that to my Emergency Fund. I was worried that I wasn't going to have enough in my gas allowance, but it all worked out.

My son has two soccer games Saturday...about 2 1/2 hours from home! It is a tournament of some sort. Fortunately the first game isn't until 1:00 so we don't have to leave too early! But I had to allow extra food allowance(since we will be gone all day) and gas allowance for the day.

Tomorrow is pay day and I have all of my utilities and payments set up in bill pay already. I am so excited! Everything will be paid on time!

I have two items endingon ebay today. Doubt they will sell..this is the second time I have listed them. Will probably donate them next week. Still have the TV listed. If it doesn't sell, it will be donated as well...sick of it in the middle of the floor! DH doesn't want to just "give it away" but we don't have room to store it!

Credit Card Update

February 25th, 2009 at 03:24 pm

I have studying my credit card balances this morning. I am making progress on them. I will be making an extra payment to one of them this month and then hopefully getting it under the limit next month. they have stopped charging me over the limit fees though so that is nice!

I figured up that I am making $267 worth of credit card payments this month! **WOW**. Think what I could be doing with that much extra money a month! I can't wait to get them paid off! I could have my EF funded in 3 months! I could have the vacation funded in 6 months! What an eye opener! I will continue to throw whatever I can in their direction!

I gave my husband a challenge last night. Now that the food is on open shelves in the kitchen, I told him that he needs to come up with ways to eat all of the canned goods that are in there! I don't want to buy any more canned goods until they are gone! He is the creative cook in the family, so hopefully this won't take very long!

These better last a while!!!

February 24th, 2009 at 09:47 pm

My son needed some under armor for soccer. It seems that the coldest spot in the county is at the soccer fields. So I went today to get him an under armor shirt and pants. $90!!!! I couldn't believe it! Hopefully they will last him a couple of seasons, but geez!!!

On the up side, it is nice to be able to purchase something that he needs without having to wait and try to come up with it!

Best of Intentions!!

February 24th, 2009 at 06:10 pm

I have been struggling with eating out lately. I am trying to not continue. I hadn't planned on eating out last night. My daughter had cheerleading until 8:15, but my husband should be home by 6:00 in order to cook dinner for when we get home. However, last night, my son had a soccer game that I didn't know about and didn't know about until 6:30 last night. So DH went to the soccer game while I was at cheerleading. The game didn't start until 7:45. So in order to prevent having to eat REALLY late, I got a bucket of chicken at KFC. If I had known about the game, I could have done something inthe crock pot. That is frustrating to me. So tonight we will be eating at home!

One benefit of the open shelves in the kitchen is that we can now see all of the items that we have to be eaten. I told DH that he needs to work on eating all of those cans of vegetables and stuff.

Payday is Friday. I already have payments set up in the bill pay for the utilities...by the due dates! All except for cell phone, which will only be 10 days past the due date, not the usual 15-20.

FREE Soda at CVS!!

February 23rd, 2009 at 02:48 pm

I'll admit it. My family(especially me) is spoiled about name brand sodas. I just don't like off brands. So each week, I see where they are on sale and purchase them. I try to stock up on them.

CVS had coke products on sale last week 4/$14($3.50 each). Now that isn't a great price, but I bought 6 and received $10 in extra bucks plus a $1.00 off coupon. And when I purchased the 6, I had $14 extra bucks and a $3.00 off coupon. So the 6 12-packs cost me $4. And I still got another $10 Extra Bucks. So I went back to CVS yesterday. They had sodas 3/$11. I got 3 12-packs...used the $10 Extra bucks and the dollar off coupon. They ended up having to adjust the dollar off to be only .99 cents off or else they would have owed me a penny! So I got 9 12-packs of soda for $4. That makes them .66 each! I know that, technically, you should take into account what I had to purchase to get the original $10 EB, but I don't remember as I just started using them.

Small kitchen remodeling project done!!

February 23rd, 2009 at 02:24 am

We took out the cabinets to make room for the larger fridge yesterday. Today I went to Home Depot and got the items needed to put shelves up in their place. We got those up! YEA!! It looks alot better than i thought it would, since it isn't enclosed yet. But we moved all of the food items out of the pantry and that is now strictly storage. This is good because we put the litter box in there so it is better to not have food in there. Major improvement in my opinion!

I spent $200 at home depot because I bought my husband a new cordless drill. I figured that if he had this, he might finish some projects around the house. It was a wise investment I think.

My bank is updating their website so I can't get on to check my account. I know about how much was spent yesterday, but I always get the exact amount from the website. So I will get that updated tomorrow and figure out exactly where I stand.

Don't know if I did too much this weekend or what, but I can hardly keep my eyes open. Been like that most of the afternoon. Will be going to bed shortly.

Circus Came In Under Budget! And Ebay Update

February 22nd, 2009 at 03:48 pm

I had budgeted $150 for the circus last night. I don't have an exact total yet, but we spent less than $100! We even ate at the arena(i was planning on eating on the way to save money, but due to time we weren't able to!) I am very pleased! will take the extra and apply to my daughters cheerleading.

my item on ebay sold for $49.99. I am only about $8 short of the $100 goal for the month. I will try to list some items this afternoon, but I have another big project on my agenda for the day. I do have a tv listed on craigs list, but no one has contacted me about it.

I am going to put the brackets up for the shelves today. Right now everything that was in those cabinets is piles on the counters. The kitchen is a disaster!!! So I want to get that straightened up. Can't live like that for long.

Fridge Didn't Fit!!!

February 21st, 2009 at 05:57 pm

Even though my ex-fil sent me the measurments and I sent them to my DH, the fridge didn't fit. I didn't think it was going to fit. But DH said that it would. So we ended up tearing out the cabinets! This was on my list of things to do...but didn't plan on doing it this soon! I wanted to tear out the cabinets and put floor to ceiling shelves there, like a pantry. So it just got done sooner than later! We will have to do it a little at a time in order to get it finished. It all worked out!

We are still cramped due to the extra fridge and tv hanging around. I have them listed on craigs list so hopefully they will sell soon.

Mortgage is Current!!!

February 20th, 2009 at 02:36 pm

I received my tax refund this today. I made Jan and Feb mortgage payments already today. YEAH!!!

My DH also gave me some money. Since I don't depend on his money, everything he gives me can be put directly into savings most of the time. I split it between household maint, Christmas fund and vacation fund. He also paid for another load of firewood, so we should be set on firewood for the rest of the season and some of next! YEAH!!

I have almost $400 in my various savings accounts. That is the most I have ever had saved! It feels so good! I just keep looking at my balance. Can't stop! Plus, there is $250 sitting in the account that I have paid my sister that she hasn't taken out yet. So on paper, I look like I Have $250 more than I actually do!

We are going to the circus Sat night. they are calling for snow flurries where I live...should make for an interesting drive home as we won't be getting home until late. I have budgeted $150 for the circus. Think I might just take cash with me and when it is gone, it is gone. But I hate the idea of not having any access to any other cash in case of emergency. I could take the debit card, and leave it in the glove box...that way if I get the urge, I have to walk back out to the car. That might work.

I have been getting lots of questions about the item I have listed on ebay. It has 1 more day. Hopefully it will sell. That would put me close to the $100 challenge for the month.


bought Firewood

February 19th, 2009 at 04:13 pm

I am having a cord of firewood delivered this evening for $100!! It is a great price and it is all seasoned. YEAH! Now my husband will have to get busy to get the shed ready to store firewood, instead of just stacking it by the house.

I had planned for this expense so it is no problem. I could take the $50 out of the household maint account, since that is the type of things I planned it for(that and propane are the big ones). But I am going to leave it in there. I just started that account and we will need propane in the next couple of months.

It feels really good to be able to purchase items without stressing about how I will get what we need! This is a calm that I haven't felt in years, if ever!

Saved Money on Gravel

February 18th, 2009 at 04:32 pm

Our driveway is a gravel driveway. we rented a bobcat last year and took out more of the mountain behind us so we can park behind the house. But we have a spring in the mountain that constantly runs and pours water into the driveway. So although we had 3 loads of gravel delivered last year, it is now gone and our driveway is a BIG mudpit.

DH couldn't work today because it is raining and I guess he had had enough. So he drove to the quarry to get some gravel. I have been saving for it, but hadn't gotten that far. So...the 3 loads of gravel that we got last year were about $500. He filled up the bed of his truck with 1.5 tons of gravel directly from the quarry for $25!!! yes, he will have to spread it but he doesn't mind the labor. if he isn't doing something, he goes insane and he usually finds something that I see as a waste of time(hence the gravel on a rainy day!). So if we can get a load of gravel every couple of weeks like that, we should be in good shape again! I dont know how far that truck load will go, but getting even a load a week will make a difference!

Ebay Update and spending update

February 18th, 2009 at 03:12 am

I made my first sale ever on half.com...YEAH!! This brings my ebay total to 35.90(after fees, etc) for the month. Slowly but surely getting there!

I spent 6.00 today at the gas station, but other than that, it was a good day. Worked from home...makes it easier to not spend!

Dish Network came and hooked up the HDTV today. It is awesome! I also rearranged the furniture to accomodate the larger tv. Shouldn't have done that, but I did anyway. I am paying the price now!! Still have some more to adjust, but it looks better and I just couldn't move the sofa any further!

Went to my son's soccer game. They lost. But I always enjoy watching them!!