My spending for Monday, Sept. 27, 2010
Salad for lunch at work = $4.50
Babysitting = $13.00
Yoga class = $3.00
Walgreen's, nuts on sale BOGO = $6.50
Picked up dog from being boarded over weekend + $24.00
Found on the ground money = 1 quarter and 1 penney = .26.
My spending for Monday, Sept. 27, 2010
Hello Saving Advice Friends!
It has been a very long time since I updated my blog. But, I hope to start coming here daily with a few words about my financial life.
When I come here I pay more attention to my saving and spending wisely. I can't do it perfectly like so many of you seem to be able to do, so I think I felt a little intimidated by writing about my financial life here. But, after further review, I know I need whatever help I can get to pay more attention to my money.
So, hopefully, my blog will begin to grow again.
I have credit cards to pay off, a house that needs to be refinanced at a better rate, and savings accounts that needs to grow.
I have recently lost 25 pounds! So that goal has been reached. Now, on to the finances.
My short term goal is to get our travel trailer refinanced at a better rate or simply transfer the entire balance to a 0% for a year credit card. I don't have a working computer at home right now, so I will be posting on my blog from work and there is limited time for that.
Question?.... How do I update my sidebar?
Does anyone have a link to set up an ING online account?
I'll use the first one I receive.
Went to Walmart last night for a few grocery items and I take my coupons and I do price matching there. I showed the checker a grocery store circular where items were offered at a cheaper price than at Walmart. They say they will match the price so I do that. Then I had a few coupons too. Two of the coupons were declined by the cash register. She pushed them back at me without saying a word. I pushed them back at her asking what was up. She said ma'm those are no good. I said "well, they should be." I looked at them, not out of date . . . I knew I bought the items I had presented the coupons for. So I start digging back through my bags to show her and sure enough I had bought the right product. She called a manager over to look at the coupons. All the while she is sighing. You know getting this tired look on her face and rolling her eyes at me. And doing that great big "sigh" thing. Well, the manager looks at the coupons and the products and says yes she would just have to enter the coupons manually because they were good. This brings on more eye rolling and sighing, but she complies.
It was just obvious by her body language that she thought I was a total jerk or something.
I just got so offended by that. I guess I should have gone and reported her to a manager or something.
If the store is going to offer price-matching and honoring coupons, then it is not my fault if things get slowed down a bit.
This is not the first time this has happened to me at Walmart.
Should I call the store and report it?
What would you do?
If you get the cartoon "Opus" in your Sunday comics section you should read the one for yesterday. It was a funny take on the government stimulus package.
I have not updated my $20 challenge money in awhile.
I have saved about $10 with coupons on items we use regularly at the grocery stores.
Previous total = $29.78
New total = $39.78
I continue to search for coins (hopefully bills too) on the ground while I am out, and since the last time I updated that total I have found $.40.
FOTG (found on the ground) money =
Old total = $.43
New total = $.83.
I was treated to some very nice meals on Valentine's Day via my work. I am on a search committee to hire a new worker and we get to "wine and dine" them. So it was out for a nice lunch and an even nicer dinner. Chocolate cream brulee for dessert. It was so rich I couldn't finish it.
Meanwhile, I have been searching the ground for change when I am out and about and I can report I have found $.16 in the past week.
Old FOTG total = $.27 + .16 = $.43, new FOTG total.
I have not been doing much toward couponing lately, but I haven't been spending much money either.
My husband has gone to grocery shop as I write this. And it is pouring down rain, so I am glad I am here typing and dry.
Thank God for sweet husbands.
Late winter is such a trying time. Cold, snow, ice, wind and rain. Cloudy days on end. It's like Mother Nature is having birthing pains to get us into Spring.
I will put up the groceries when my husband comes home and we will find us a snack and try to find something good to watch on TV tonight.
Last night we went out to see "There will be blood." It is up for Best Picture. Daniel Day Lewis was really good in it. But it was so dark and theatrical I can't really say I enjoyed.
I'm so sorry for those affected by the Northern Illinois school shootings. It is such a waste!!! Those poor people didn't do anything wrong. Stupid!
I, like many of you, have a dog. Her name is Abby. She is a mix of Austrailian Sheperd and some other good breeds. She is the sweetest thing. She weighs about 50 pounds, and she is tri-color, with golden eyes. She follows me wherever I go in the house. And since I have been here at the computer so long, she is sleeping on the floor beside me.
She is a great companion.
I was going through a stack of mail today that had accumulated on the kitchen counter, sorting through the credit card offers, bills, junk mail, and other stuff.
I came across an offer to renew a car warranty on my daugters car. I tossed it in the garbage saying in my best game-show voice, "No deal."
Amusing myself, I went on to an offer for a magazine subscription. Tossing it into the garbage I shouted, "No deal."
I was getting good at this.
I love watching Howie Mandel and the Deal or No Deal show. I sure would like to get picked to be on that show. I don't think I would blow my chance at some big money like some people to do at the end. It seems like they just get greedy or insane I'm not sure which. But it just kills me when they give up a $100,000 offer and end getting $10 or something.
I've even thought, "Maybe on the first offer if they offered me $25,000, I might just quit while I was ahead. "Deal, deal." I would say. No, just kidding.
But going through my junk mail today, I was thinking how these companies are trying to get me to give up my money.
So, NO DEAL! Capitol One. NO DEAL! Chase. NO DEAL! Magazine subscriptions.
I'll just keep my money thank you.
I had a heart cath performed this morning by my cardiologist, brought on by an abnormal exercise stress test result. Even though I have never had high cholestrol or high blook pressure, I did smoke for over 30 years, so I was a bit concerned about my heart.
Then, my insurance company would not pay for the much less invasive heart CT Scan, because they said everyone who has the CT Scan ends up having to have the heart cath too. They didn't want to pay for both procedures.
My portion of the hospital bill was $998. Luckily, I had money in my Health Flex Account to pay for it.
The results of the test were GREAT! They said my arteries looked perfect and heart function? or something like that was, at 75%! Anything above 55 is considered normal.
So, while I did not like having to go through the procedure and the cost involved, at least I have peace of mind about my "beater."
Not only is my heart good, it is GREAT!
Thank you Jesus.
The heart cath procedure is not bad at all for anyone wanting to know. I had a lot of confidence in my doctor and the hospital, and really I couldn't have asked for a better experience.
WOW!!!!! I went to weigh in this morning and I am under 160 pounds for the first time in years. I was so surprised and happy. Weight Watchers really has worked well for me. It is easy, if you just do what they say to do.
My friend treated me to lunch yesterday. She won the football pool and got $50!
I saved $14 with coupons last weekend so that will go to the challenge, and I found 12 cents on the ground.
Have been trying to stay home and not even look at advertising, so I can stay out of temptation.
Old total $15.78 New total = $29.78.
Old "FOTG" total (found on the ground) total = .15. New FOTG total = .27
I bought my 3-year-old grandson a John Deer hoodie, a sweat shirt with Superman and other super heroes on it, and a plain white long sleeved knit shirt.
I thought he would like all of them, but instead he only liked the sweat shirt with the super heroes.
Of the others he said, "Nannie, I told you I didn't want these, just the superman shirt."
I buy almost all of his clothes at resale shops, and he always looks good!
Not anything very interesting to report today. Except we did save $4 with coupons when we did grocery shopping yesterday.
New total $15.78
FOTG (found on the ground) total = .15
WE have been trying, since the first of Jan., to use up food, cleaners, etc., that we have at the house instead of going to the store so often. Since I do most of the cooking/cleaning I guess it is really me doing it, but anyway, it is working.
I have always liked to buy things on sale and stock up, but our pantry has been just full to overflowing so much, I thought we really need to use what we have for awhile.
It has made me come up with meals using just what we have and it has really helped out the old food budget this month.
I definitely believe in buying sales and using coupons, but we were going to the store too often and thus spending too much. And some of our food was spoiling/getting too old before it could be used.
I made a chocolate cake from scratch tonight with a homemade frosting so we wouldn't be tempted to head to the store when we wanted something sweet later on.
DH was impressed and followed behind me cleaning up the kitchen.
What a team!
Anyone have a home treatment for laryngitis. (I know how to spell it 'cause I just looked it up on WebMd).
WebMd said if the laryngitis is with some cold symptoms (mine is) to take Ibuprofen or Aceteminophen and using hot steam from a bath or shower helps. Or a cool mist humidifier.
I am off work for the next three days, so that will help matters, but I have never had it this bad before. It is really frustrating to try to talk.
Anyone have some home treatment they swear by?
I went in to Walgreen's for envelopes yesterday. I spotted a box of 40 security, white envelopes and the label below the row read .99. I thought that a reasonable price, so I took it to the register, proud of myself for not looking around and spending more money. Just the necessities. Then I was charged $2.15 at the checkout. I paid, then went back to check the price again on the shelf. I found myself a manager-type and asked him which price was correct. He looked at the price on the shelf and said he would give me my money back on the difference. So I got back 1.08, that I will add to my challenge money.
This is not the first time this has happened to me at Walgreen's. So beware.
We are going to pay off a big chunk of debt in the coming weeks with a gift from DH's mom.
A car loan in the amount of $1630.00 and another payoff of $3800.00.
This will free-up monthly minimum payments of $275 and $200, for a total of $475.00. Wow! Almost $500 per month that can be thrown at the credit card debt.
I have had about six no spend days this month.
I have been thinking of my 2008 financial goals and I am ready to start recording them here.
1. My main financial goal is to be debt free by the end of the year. I think this is a realistic goal, IF, DH gets some good work in this year.
My other goals will be small to make this big year-end goal possible.
2. Don't acquire any more debt.
I listen to Dave Ramsey a lot and read a lot of financial advice here at savingsadvice.com. That keeps me from taking on any more debt. We have used the credit cards in a pinch but I'm not counting that.
Our Christmas was very frugal this year, and I am proud of the progress we have made.
I kind of abandoned my blog mid way through the year last year, and I was trying to lose weight.
I finally started weight watchers at the end of Oct. and I have lost 10 pounds. I still have three weeks of prepaid weeks with WW, but I don't think I want to spend the money on it right now.
I find it pretty expensive and I am at a good weight now.
I know what to do now, if I will just do it on my own without the knowledge that I will be going to weigh-in on Tuesdays.
And the leader and other members do offer good ideas and support.
I had never done weight watchers meetings before and it worked for me.
I did it online one time, but I didn't do very well at it.
I would really like to lose about 10 more pounds, but that would be it.