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Trying to Refinanace and a question

February 20th, 2013 at 12:26 pm

I am fiddling around with trying to refinance our home loan today. While I was checking my credit score at Credit Sesame, it offered a better deal on a home loan refinance from Bank of the Internet. I requested a contact and someone did call me. He was very polite and knowledgeable and after getting all my information said my husband and I can refinance our home at 3.125% for 15 year fixed loan.
Long story short. How do you know a company like this is credible? Everything seems legit.
Who would you suggest I try to refinance with?

Guess how much money I found

November 20th, 2012 at 10:34 am

I knew my SavingAdvice friends would be interested to know the total of my "found money" for the past year. From Nov.15, 2011 to Nov. 15, 2012.

Drum roll please....

$12.54!!!

I found 109 pennies
9 nickles
25 dimes
6 quarters
1 $5
2 $1

Not bad for just looking at the ground and picking it up.

I started putting all my found money in a specific jar last year to keep up with it,


I did it!

October 29th, 2012 at 08:24 am

Update on my 5 day no spend challenge. Success! I went the whole five days without spending. I know I saved myself lots of money that would have been spent on food or snacks at work and after. It was kind of freeing in a way. Lots of times after work I think about going by the store to pick up a needed item. But, since I wasn't spending, I was able to just go on home and use whatever I had at home.
I put two dinners in the crock pot as a result. They were ready for me when I got home. So I was very happy with the results of my challenge.
I will do it again soon.
Great news on the home front. My son-in-law got a job with Direct TV installing internet and cable. He is feeling so much better about himself.
My husband is working again as well. He left our home in Texas on Saturday morning and is now in Richmond, Virginia waiting out the storm. He is an insurance adjuster and he will be doing loss claims for All State.
So everyone in my household is employed. Thank the good Lord for that!

5-day no spend challenge

October 22nd, 2012 at 01:54 pm

Haven't posted anything for over a year, but I come here often and read and get motivation for saving and spending wisely.
I am doing a five-day no spend challenge this week. It has already saved me money. Everytime I think of something to purchase, I tell myself, "No, remeber your challenge."
It really does help, doesn't it?
Just some random things I have said no to today that have saved me money.
1. A diet coke out of the vending machine. I usually keep my office fridge stocked with canned diet cokes that I purchase on sale at about 30 cents a can as opposed to buying a 20 oz. bottle out of the machine for $1.75. I was out of cans today and thought about getting one out of the machine, but luckily, had to say no, because of my challenge.
2. I like to buy music and put on the Iphone and listen to music while I walk. I thought about buying some today and had to say no, not spending money today.
3. Monday is $5.99 pizza night at Papa John's. You can get a large single topping for $5.99. I like to do this sometimes for a cheap meal on Monday nights. As I was pondering what to have for supper tonight, I thought Pizza! No, can't buy pizza, not spending money today.
So, see these challenges really do help us, don't they.

DH home from Tennessee

June 11th, 2011 at 07:54 am

My DH came home from working in Tennessee last night. He drove in the driveway about 12:30. He is still sleeping this morning after his 12 hour drive home yesterday.
He's been gone two months. He is an insurance adjuster and goes out after big storms.
We were happy he got to work. Happy he is home for awhile. He started doing this work about 6 years ago. He is very good at it with his background in construction and building material sales.
I always hate to see him go but I know he is going to help people. After a storm people need their hoems fixed as soon as possible. They are always glad to see him coming.
He's also a Christian man that lives his faith so he is honest and fair to the people he goes to see.
He has even been known to pray with them.
He makes good money when he's gone.
He refilled our coffers on this trip.
I'm off to the church to decorate for Vacation Bible School.

June 11th, 2011 at 07:44 am

Day 3 of no spend challenge a Success

June 8th, 2011 at 04:27 pm

I decided to come home from work at noon today. This sickness that took me to the doctor on Monday is really dragging down my energy. Slept a lot this afternoon.
Picked up DGS on my way home so I didn't have to go back to town and get him. He enjoyed having a little down time as well.
So my day 3 of my challenge was a success!
No money spent today.

I have noticed that I am enjoying NOT going by the store for anything or even the fast food places. I have so many responsibilites and so little time to myself or at home. Eliminating shopping from my schedule is a win-win!

Day 2 of 10-day no spend challenge

June 7th, 2011 at 07:26 pm

Today was day two of my challenge. I had a chiropractor appt. this afternoon. I have been going twice a week for a few weeks now. I paid for 3 visits today, $45. That will cover today, Thursday and next Tuesday. My challenge is over on Wednesday the 5th.
I know I spent money but this was a planned event and I am not counting it against my challenge.
So even though I spent my first two days of the challenge they were both doctor's appts. so I am not counting either of these days against me.
As far as I am concerned for my purposes of doing this challenge I am doing great so far.
I went to JC Penney and returned a ring today that I had purchased about a month ago. It was too big for me and got a $10 credit back on my JCPenney card.

I didn't spend any money today. I sure wanted to look around in JCPenney but I just tried to keep my blinders on and got out of there as fast as I could.

So tomorrow it is on to day three of my challenge. And it will be challenging. DGS and I always go to church on Wednesday night and always go to McDonalds before church. So I am going to have to come up with something innovative to convince him it is okay to skip McDonalds night.
After church we always stop back by McDonalds for an ice cream cone.
Challengeing indeed!

Darn computer

June 6th, 2011 at 06:02 pm

I typed up a long entry and my computer blimped out and I lost the whole thing. It was weird.
Let me continue.

So, I went to the doctor around 4:30 and he did give me a prescription for a Z-pack of antibiotics and a steroid shot for inflamation. (I didn't know I needed steroids for inflamation but that's what I got).

I went to the pharmacy that is closest to my doctor's office to get the prescription filled so I wouldn't use a lot more gas going out of my way.
Then I went immediately to pick up DGS and drove home

Copay at doctor = $25
prescription = $13.29
Total = $38.29
cost of feeling better = Priceless!

I was pondering, before I went to the doctor, where I would go to get my prescription filled if he gave me one. I thought about Target. If I wasn't doing this challenge I would have gone to Target to "shop around" while my prescription was being filled.
I am a shopaholic. I don't spend a lot of money on big ticket items or anything, but I love a sale. I love the clearance aisles at Target. A few small purchases here and there add up.
So my goal is to stay out of stores for 10-days.
The pharmacy I went to had plenty of stuff to look at but I chose to sit in one of the chairs they had provided for waiting.
Yay me!
So, I am going to continue my 10-day no spend challenge because it is working for me to get me back into frugalness.


Day One of 10-day no spend challenge

June 6th, 2011 at 08:03 am

Well, as they say, the best laid plans of mice and men oft go astray.
This is my first day of my 10-day no spend challenge and I am already challenged.
An emergency has come up and I will have to spend today.
I have been suffering from a sore throat and laryngitis about the last 5 days and this morning it is very painful.
Strept throat is going around my office so I had to make a dr. appt. today.
I will probably have to get a prescription too.
Luckily, I do have an emergency fund in place.

I spent a lot of the weekend planning meals and shopping. It will be quite a feat if I am able to go 10 days without going to the grocery store.
I have already seen ways this challenge has been good for my pocket book.
As I was doing dishes this morning, I was careful to be more sparing with the dish soap because I forgot to buy any more this weekend.
Same with the toothpaste.
Normally I don't think about it and just squeeze probably too much in.
I will end cooking things out of my freezer instead of going out to the store and buying more.
I'm excited about this challenge.

10-day no spend challenge

June 4th, 2011 at 12:53 pm

Hi everyone, I have been away again, but I'm ready to back on the train.

Have a new challenge.
I saw this on the Yahoo Business blog. The author said she and some of her online buddies do a challenge where you don't spend any money for 10-days. I guess it's like a 10-day extreme cleanse or something. LOL.

I'm going get my meals planned and shopping done. I filled up with gas today.
I'm going to go ahead and pay any bills early that are due in the next 10 days.
I have a couple of things I know I need to spend money on. I have prepaid my DGS child care with the Y for the next month, but they don't do Fridays so I have to get someone to keep him on Friday. Or, I might just take the day off. That is the easiest way to have a no spend day. Just stay home.

I'm excited about it. I will let you know how I'm doing each day.



Pearl Harbor Day

December 7th, 2010 at 04:30 pm

December 7 is Pearl Harbor Day. My parents married just after Pearl Harbor was attacked in 1941. They will be married 69 years on December 21st.
They are an amazing couple.
They learned to be frugal through growing up on farms and living through the depression.
They have never been rich but they have lived comfortably and had nice homes and cars.
My dad took early retirement at 62 and my mother never worked outside the home.
They are both now 88. They have really enjoyed their retirment years. I hope my husband and I can do as well.
Tom Brokow wrote a book about their time called "The Greatest Generation."
They have seen amazing changes in their lives. From riding in horse drawn wagons to the space age.
My mother was the "boy" in her family of five girls. She would drive the team and plow for her daddy.
They moved to California from Texas just after they married and Dad got a job in an aircraft factory.
They had their first child in California a year later.

They have lived a long time and lived well. Sure hope they make it to their 70th wedding anniversary next year.


I bought 3 - twelve packs of diet coke at CVS today for $7 after the Extra bucks reward. That's just $2.33 per 12-pack.
Also found a quarter today while I was filling up with gas. Yippee!
New found money total = $3.49

Good News!

December 6th, 2010 at 11:18 am

It has been awhile since I last posted. My last entry said my car needed a new transmission, but it turned out my transmission was okay! The shop I took it to thoroughly checked it out and there was nothing wrong with it. The "check engine" light had come on and all the codes indicated that it was transmission problems. And I thought I had noticed the car "slipping." But the guy at the shop confirmed that I did not need any repair at this time.
He said the computer could be messed up and told me to just drive it!
He didn't even charge me anything.
On the found money front:

My 6-year-old DGS that lives with us found a $20 bill right before Thanksgiving! I have been teaching him to look for coins. He was with his Papa coming out of the grocery store and found it in the parking lot!
Then, Saturday night, he found a $1 when we were getting out of the car. He is doing great! I told him he was lucky.

I have found lots of coins since I last wrote, but no paper money, although I certainly look for it.
I will add another $.60 to my found money total.
old total = $2.64
new total = $3.24.


Car Needs Transmission Repair

November 19th, 2010 at 08:09 am

AArrgghhh!!
My 2003 Dodge Stratus has disappointed me once again. They say it needs to have the transmission rebuilt for $1250. With 104,000 miles on it I guess it hasn't been that bad of a car. I was really hoping to drive it for at least one more year to get some more of our debt paid off.
DH and I went to the Ford Dealership after work yesterday. They actually sell Hyundai also. So I test drove a Hyundai Santa Fe just for the heck of it.
It was new and the price tag was about $24,000. Ugh.
Not ready to add a lot more debt right now. I think we are going to get the Stratus fixed.
They will guarantee the transmission for a year or 24,000 miles.
A year would be a good goal to get ourselves in line to buy a new vehicle.
Hopefully the car won't have any more problems. I would not recommend the Dodge Stratus. I have had too many problems with it.

$1.39 corn

November 12th, 2010 at 11:03 am

Wow! I couldn't believe what a can or corn cost at a local grocery store I went to this week.
I had some time to kill before going to an appt. so I went in a nearby grocery store to do a little couponing..
I had seen their ad and it looked like they had some good Thanksgiving specials.
I was browsing the canned food aisle, comparing the coupons I had for canned vegetable.
I had a coupon for Green Giant canned vegetables so I got two cans of whole kernal corn; nothing at all special about the corn.
When I went to pay I noticed they rang up $1.39 a piece!
I thought the shelf label had said they were on sale for $.59 a can. I called it to her attention and she went to look at the shelf. No, she said, the correct price for the corn is $1.39 a can.
Of course I told her I would pass on the corn. But, I just couldn't imagine why they would have it priced so high. I guess that's how they make their money. They advertise good loss leaders, then hike up the prices of the everyday stuff.
Wow!