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Car Fund Updated

April 12th, 2018 at 06:46 am


Car Fund Updated and cc #1 Down

April 8th, 2018 at 11:30 am

Yesterday, I saved $27.00 at the store when buying groceries. I divided that up between cc #1 and the car fund.

cc #1 is now $5532.75

car fund is now $3970.25

Car Fund Updated and Other Stuff

April 7th, 2018 at 12:53 pm

The car fund is now up to $3956.75!

We had to take care of another minor problem this morning. The tv just shut off in the middle of my husband playing a video game and would not come back on. We both right away looked for the remote control to make sure we and the cats were not sitting on it. The remote was sitting on a side table having not been bothered at all. We checked all the cables and everything seemed fine except the tv would not come on. I tried going to a local appliance place to see if they were open today, as we like to support locally owned business over chains. The store was supposed to be open, but was not open, so we wound up going to Walmart. I do not like Walmart, as it drives the little guys out of town, but they are no other choices where we live except to buy something online and that would have taken at least a week to get. Oh well.

Car Fund Updated and Leftovers

April 6th, 2018 at 11:16 am

The day before payday I discovered I had $109.49 left in checking!! Wow!

I divided up the remaining funds among the car account, cc #1, and the small balance I have on cc #2.

$36.50 to cc #1
$36.50 to car savings
$36.49 to cc #2

I also received $3.00 from Pinecone.

I am so happy and surprised and grateful for this abundance. I have been really concentrating on being grateful for what I do have and not focusing on debt or financial problems or limitations.

I will be adding more to car savings and cc #1.

Car Fund Updated

April 3rd, 2018 at 07:17 am


new update! I just got another $3.00.

That brings the balance to $3867.25!!

Car Fund Updated

March 31st, 2018 at 10:56 am


Car Fund Updated

March 29th, 2018 at 10:19 am


More will be added later.

Anyone Know How to Delete a Page From a Blog?

March 26th, 2018 at 02:28 pm

Hi, everyone. I am doing a little maintenance on my blog today. Apparently, with a couple of my pages, I may have deleted the data, but the links still show up on the main page despite all attempts to delete them. Also, whenever I update anything lately, it seems to taking a lot of effort to do so, like saving it then at least two page refreshes to actually see it. Does anyone out there have any ideas about this?

Car Savings Plan Updated

March 10th, 2018 at 09:55 am

I now have a total of $3782.12 funds currently available to buy a car.

I am going out today to look for one.

Many Updates

February 9th, 2018 at 07:00 pm

Sorry it has been so long since I last posted. I have had so many things going on. Here's just a short list:

1) My nearly 20 year old car is in bad need of being replaced. I have spent several hundred dollars in the last 6 months just to keep it running.

2) The total amount of money I have gathered to replace the car is $2151.52.

3) I have some snowflakes arriving soon, $5.00 from epoll and $3.00 from Pinecone. That will add another $8.00 to the car fund.

4) The credit card #1 is down to $5753.94. Last March, when we had to replace the hvac, cc #1 went from approximately $2960 to about $7700 over night.

This last year has been REALLY hard, but I have gotten through that and I will get through this, too!

Payday and My Challenge

March 10th, 2017 at 11:24 am

Okay, so I have hit a major snag in my plan to pay off cc #1 this year. So, the story goes that last Thursday, the water heater officially died, hence the removal of $500.00 from the house account. It wasn't something I wanted to do, but by the time the plumber arrived, my husband said it was spewing water out the top of the unit. I have not written the check to cover it yet, but it is covered. Fast forward to Wednesday this week when it was 36 degrees outside and our very old furnace was blowing cold air. My husband called a local company to come out and work on it. They "fixed" it, but told us it has a max life of 5 years left. So, we made a mental note to step up the game on saving for the hvac right away. He scheduled a visit with the same company to come out and do a free in home estimate to replace the furnace and a/c. It was basically window shopping so we would know what to shoot for in our savings plan. That same day the furnace quit again, so we began to look more seriously at the quote. The quote is $4564.00 to replace a/c, furnace, thermostat, and a concrete pad for it to rest on. I still had 94% of the tax refund sitting in savings, as we used $95.00 of it to get a new yard/security light installed. When we finally made our minds to accept the quote, we transferred the rest of the tax refund to pay off a large portion of cc #1 in order to cover the cost of the repair. I am definitely going to step up the game of surveys and rebates and not buying non-essentials, like right now!

2nd 2017 Payday and My Challenge

January 26th, 2017 at 06:17 pm

I am not doing the Uber challenge, but I am doing a challenge to pay off cc #1 THIS YEAR! Yes, this is the year I go debt free of cc #1.

Tomorrow, I get paid again. I have already allocated for the mortgage, cc #1 payment, paid the water/sewer bill, and made a deposit to savings. I still have to buy gas for the car, groceries, some replacement kitchen items, and health supplements.

$3.00 to cc #1 from pinecone check
$79.00 to cc #1 from my pay
$119.00 deposit to savings ($30 to car, $30 to house, $30 to professional, and $29 to medical)

I indicated in my last blog that I removed my husband from my health insurance because the rate went up so high. He is a vet, so he does have access to care, but we won't have health insurance on him anymore. I am saving $29.00 per payday to the medical savings to allow for any significant medical expenses (not co-pays).

I found $.03 on the ground this week. I will use that at the store on Saturday and make a payment equal to the store savings and cash to cc #1. See you later.

2017 Goals

December 30th, 2016 at 05:19 pm

1) Pay off cc #1 by 12/31/2017. To do this, make at least $225.10 in payments monthly ($79.00 per payday from my paychecks and $67.10 from my husband).

I made some significant changes in my health insurance enrollment at work because health insurance premiums for myself and my husband went from $111.00 to $163.00 per payday and my dental went from $0.00 to $6.00 per payday. So, my husband asked me to take him off of my health insurance. This will result in about $80.00 less being taken from my pay each payday. My plan for this "extra" $80.00 is to send $40.00 to cc #1 and put $40.00 in medical savings for any out of pocket potential medical expenses.

2) Continuing contributing to savings as normal.

3) Contribute any survey money, rebates, coupon savings, and credit card rewards to cc #1 payoff.

4) Grow as much of my own food as I can. Buy as much other food from organic local sources. This will help me to eat as clean as I can.

5) I will continue to use a refill fountain cup as a way to challenge myself to spend as little as possible on beverages. I will funnel my savings to cc #1.

6) I will continue to use my pocket change as a way to pay part of my grocery store bill.

After Years of Searching, I Finally Found Something That Works

August 5th, 2016 at 06:06 pm

After years of searching, I have finally found something that works to help stabilize my budget so I don't run out of money before I run out of month. It's so simple that it's scary. It works for me anyway. I think each person has to find what works for them.

I have a skeleton budget on a 4x6 index card for the entire month with all usual expenses: mortgage, electric, gas for car, gas heat, groceries, insurance, cat food, savings deposit, and credit card payment, etc. Whenever a new payday rolls around, I use a new index card for the budget for that payday with the expenses and amounts for the next two weeks based on the skeleton budget referred to above. For each item, I have an amount budgeted for that item. Whenever each one gets paid, I mark through it and add the date paid. If I only use part of the allotted amount, I mark through it and add a note with the amount left in that category. If I am at a store and want to buy something out of the ordinary, I can check my card to see how much I have left and what I need to leave room for so that I know if I can afford to buy the item I want. It is for this reason that the budget be on an index card so that it is portable. I can keep it at all times in my purse. I found it does not help to have a budget on my computer because I can't see it when I really need it.

I have been doing this for about 6 months. At first, it was difficult, because I would want to buy something and see based on my card that I could not afford it. It helped me to really distinguish my wants from my needs and make better choices. I have also paid down my cc #1 from nearly $5000 to about $2900 in just around two years in a two adult, one income household.

Another cool thing I have been doing is to use the amount I save at the grocery store and make an equal payment to cc #1. I also use pocket change to pay part of the grocery bill and so I also make a payment to cc #1 equal to the pocket change amount. Sometimes, I don't really save anything, so I don't make a payment.

52 Week Challenge Progress

July 19th, 2016 at 06:17 pm

Hi, everyone. I have been doing really well with unplanned spending and also using cash for purchases like iced tea at the convenience store. Because I am doing so well, I am sending an extra $5.00 to cc #1.

Old 52 Week Challenge Balance: $2818.93

$5.00 extra payment to cc #1

New 52 Week Challenge Balance: $2823.93

The cc #1 balance is now $2963.30!!

52 Week Challenge and Payday

July 14th, 2016 at 07:15 pm

Hi, everyone. I get paid tomorrow and so I am sending more money to debt, savings, retirement, and regular expenses. I have already written a check for deposit to savings reference below, paid the gas bill, allocated for 1/3 of the mortgage, and made a payment to credit card #1. I also wrote a check for payment on plumbing work we had done, but that is not a debt.

Old 52 Week Challenge Balance: $2583.93

$40.00 regular savings deposit
$25.00 car savings deposit
$25.00 car savings deposit
$20.00 slush deposit
$5.00 escrow savings deposit
$5.00 medical savings deposit
$5.00 hvac savings deposit
$5.00 professional savings deposit
$5.00 AAA/car tax savings deposit
$100.00 cc #1 payment

New 52 Week Challenge Balance: $2818.93

I forgot to say that this month is a 3 paycheck month for me, so I have allocated extra funds towards savings and debt repayment. After buying groceries and other necessities, I will contribute more to debt repayment.

52 Week Challenge and Payday

July 1st, 2016 at 02:05 pm

Hi, everyone. I got paid today, so I am sending more money to debt, savings, and retirement.

Old 52 Week Challenge Balance: $2367.23

Regular Savings Deposit $40.00
House Savings Deposit $25.00
Car Savings Deposit $25.00
HVAC Savings Deposit $5.00
Medical Savings Deposit $5.00
AAA/Car Tax Savings Deposit $5.00
Escrow Savings $5.00
Extra Left in Slush From Last Payday Sent to cc #1 $20.00
DH's Payment to cc #1 $66.70
addendum: Slush Deposit $20.00

cc #1 balance is now $3067.30!!!

New 52 Week Challenge Balance: $2583.93

52 Week Challenge ... Credit Card Balance ... Ugh!

June 28th, 2016 at 03:59 pm

Hi, everyone. My credit card payment came due again on Friday and despite all the hard work I did at paying a good off, about $30.00 in finance charges were added. It's not even close to maxxed out. I think I need to verify the interest rate, because it's supposed to 12.9%, so the interest amount seems high. This interest brings the balance to $3157.00. Ugh!!!

Anyway, I recently got a Pinecone check of $3.00, so I sent it directly to cc #1.

Old 52 Week Challenge Balance $2364.23

$3.00 Pinecone payment applied to cc #1

New 52 Week Challenge Balance: $2367.23

After the payment, the cc #1 balance is $3154.00.

I should add to the above that no recent purchases were made to cc #1 which did not get immediately paid for.

Payday and the 52 Week Challenge

June 16th, 2016 at 05:40 pm

Hi, everyone. I get paid tomorrow, so I am sending more money to savings, debt, and retirement.

Old 52 Week Challenge: $2229.23

$40.00 regular savings deposit
$20.00 car savings deposit
$20.00 house savings deposit
$5.00 hvac savings deposit
$5.00 medical savings deposit
$5.00 tax/aaa savings deposit
$5.00 tax prep savings deposit
$5.00 escrow savings deposit
$50.00 cc #1 payment
$20.00 xfer to cc #1 from last payday's slush

New 52 Week Challenge: $2364.23

This brings cc #1 down to $3123.75!!! Big Grin

More Snowflakes for the 52 Week Challenge

June 8th, 2016 at 05:44 pm

Old 52 Week Challenge Balance: $2224.23

payment to cc #1 $5.00

New 52 Week Challenge Balance: $3193.75

More Snowflakes for the 52 Week Challenge

June 6th, 2016 at 07:04 am

Hi, everyone. I am celebrating here today! CC #1 balance is under $3200! Woo-hoo!

Old 52 Week Challenge Balance: $2221.23

$3.00 Pinecone check

New 52 Week Challenge Balance: $2224.23

New cc #1 balance: $3198.75

More Snowflakes for the 52 Week Challenge

June 4th, 2016 at 11:14 am

Hi, everyone. I sent $20.00 to cc #1. This brings to cc #1 balance to $3201.75.

Old 52 Week Challenge Balance: $2201.23

$20.00 payment

New 52 Week Challenge Balance: $2221.23

More Snowflakes for the 52 Week Challenge

June 3rd, 2016 at 03:55 pm

Hi, everyone. I used cc #2 recently to buy something and got 1.5% cash back. Woo-Hoo! I have already requested a credit to the account to help pay off the balance that is there.

Old 52 Week Challenge Balance: $2198.63

$2.60 rewards from cc #2

New 52 Week Challenge Balance: $2201.23

Payday, Snowfalkes, and the 52 Week Challenge

June 2nd, 2016 at 04:58 pm

Hi, everyone. I get paid tomorrow and so more money is going to savings, retirement, and debt.

Old 52 Week Challenge: $2041.93

Regular Savings Deposit $40.00
Car Savings Deposit $20.00
House Savings Deposit $20.00
Medical Savings Deposit $1.00
Tax/AAA Membership Savings Deposit $1.00
Tax Prep Savings Deposit $3.00
Escrow Savings Deposit $5.00
DH's payment to cc #1 $66.70

New 52 Week Challenge: $2198.63

This brings cc #1 balance to $3221.75.

I have a Pinecone deposit coming in a day or two. I will send it directly to cc #1 when I get it.

More Snowflakes for the 52 Week Challenge

May 31st, 2016 at 10:49 am

Hi, everyone.

I checked my checking account today and found a $0.99 rewards deposit. We get these when we shop at certain stores. Of course, I sent it directly to cc #1.

Old 52 Week Challenge Balance $2040.94

$0.99 rewards deposit

New 52 Week Challenge Balance $2041.93

This brings cc #1 down to $3288.45.

DH gets his check tomorrow. I went send $66.70 of it to cc #1.

Payday and Other 52 Week Challenge Stuff

May 21st, 2016 at 12:12 pm

Hi, everyone. I overspent some last week, but I am determined not to let it get me down. I was sick with a sinus infection and eating badly, so I wound up buying things I probably did not need. I will be eating a lot of things from my garden for the next couple of weeks. I did use $0.42 pocket change to pay part of my grocery bill today. I will send that same amount to cc #1.

Old 52 Week Challenge Balance: $2040.94

$40.00 regular savings deposit
$50.00 cc #1 payment

New 52 Week Challenge Balance: $2130.94

Here are my meals for the coming week:

1) Thai Curry Salad - http://www.thecandidadiet.com/thai-cucumber-salad/

2) Cabbage Marsala and a steak - http://www.thecandidadiet.com/cabbage-masala/

3) Salad with mustard tarragon dressing and salmon http://www.thecandidadiet.com/spring-salad-mustard-tarragon-...

4) Thai Red Curry Chicken http://www.thecandidadiet.com/thai-red-curry-chicken/

5) Breakfasts - eggs, chicken, and smoothies with spinach, spirulina, almond milk, seeds, and stevia

6) Roast Beef and vegetables

7) Paleo Shepherd's Pie http://paleogrubs.com/simple-shepherds-pie

8) Baked Chicken and Vegetables

9) Chicken Stir Fry

10) Tuna Salad

My Money Scripts

May 18th, 2016 at 06:34 pm

I decided to take a cue from Dido and find out my money scripts. What do we have to lose, as we learn more about ourselves, right? Here are my money scripts. I am very surprised, as I did not expect to do as well as this.

To find out about your money scripts, take this test: http://app.keysurvey.com/f/989930/d74e/


Money Avoidance = 2.00

Your score on the money avoidance scale suggests that you do not exhibit significant money avoidance beliefs. In fact, research has shown that your score on this scale is similar to those who have been identified as wealthier, wiser, and more highly educated.

Money avoiders believe that money is bad or that they do not deserve it. They believe that wealthy people are greedy or corrupt, and that there is virtue in living with less money. Because of their negative associations with money and wealth, money avoiders may sabotage their financial success and/or give money away in an unconscious effort to have as little as possible. Research has shown that money avoidance scripts can be associated with ignoring bank statements, increased risk of overspending, enabling others financially, financial dependence, hoarding, and having difficulty sticking to a budget.

Money Worship = 3.14

Your money worship score suggests that you do not endorse significant levels of money worship beliefs.

At their core, money worshipers are convinced that the key to happiness and the solution to all of their problems is to have more money. At the same time, they believe that one can never have enough money. Individuals who score high on the in the area of money worship are more likely to have lower income, lower net worth, and credit card debt. They are also more likely to spend compulsively, hoard possessions, and put work ahead of family. They may give money to others even though they can’t afford it and are more likely to be financially dependent on others.

Money Status = 1.43

Your score on the money status scale shows that you do not hold money status beliefs.

Money status seekers see net-worth and self-worth as synonymous. They may pretend to have more money than they do, and as a result are at risk of overspending. They often believe that if they live a virtuous life, the universe will take care of their financial needs. They may have grown up in a household that prioritized the financial aspects of social standing. Research has shown that people with money status beliefs are at greater risk of overspending, gambling excessively, financial dependence on others, and hiding expenditures from their spouses.

*Money Vigilance = 4.00

Your money vigilance score indicates that you endorse money vigilance beliefs.

The money vigilant are alert, watchful, and concerned about their financial welfare. They believe it is important to save and for people to work for their money and not be given financial handouts. Research has found that higher money vigilance scores are positively associated with higher levels of financial health. The money vigilant are less likely to buy on credit. They also have a tendency to be somewhat anxious about their financial futures, inspiring them to save. While they have a tendency to be secretive about their financial status with others, they are less likely to keep financial secrets from their partners. While money vigilance encourages saving and frugality, excessive wariness or anxiety could keep someone from enjoying the benefits and sense of security that money can provide.

Food Challenge This Week

May 14th, 2016 at 03:46 pm

We are a little low on funds this week, so I am setting up a food challenge for this week. I am attempting as much as possible to use food we already have in our cupboards and fridge. Here are our planned meals:

1) Breakfasts - eggs, smoothies, veggies, and piece of fruit. I already had 3 out of the 4 dozen eggs needed, butter, coconut oil, carrots, and almond milk. 7 breakfasts

2) Meatloaf w/ side of veggies. I already had sweet potatoes. 2 lunches for DH

3) Lunches Leftover From Last Week. 5 lunches for DH

4) Ham and Bean Soup. I already have the beans, herbs, seasonings, and homemade broth. 4 lunches for me

5) Salads with garbanzo beans. I already have the beans, kale, green onions, sea salt, black pepper, radishes, lettuce, and carrots. The kale, green onions, and lettuce are actually growing in my garden. 3 lunches for me

6) Turkey curry. I already have the seasonings. I will use a turnip instead of a parsnip because I already have it. http://stupideasypaleo.com/2012/12/26/leftover-turkey-yellow... 1 supper for DH and me.

7) Meatloaf turned into stir fry. I already will have the meatloaf from making it for DH. I already have the seasonings and salsa. 1 supper for DH and me.

8) Tuna Salad. I already had leftover homemade mayo and 3 cans of tuna. 1 supper for DH and me

9) Baked Chicken w/ potatoes and green beans. I already have the herbs and seasonings. 1 supper for DH and me

10) Leftover Chicken. Haven't Decided What to Do With it Yet. 1 supper for DH and me

I think that will come close to meeting all of our food needs this week. I love Food Challenges.

More Snowflakes for the 52 Week Challenge

May 10th, 2016 at 08:38 am

Hi, everyone. I got another snowflake in the way of $3.00 from Pinecone. I sent it directly to cc #1 before I had a chance to spend it on shiney baubles. Woo-hoo!

Old 52 Week Challenge Balance: $2037.94

$3.00 From Pinecone

New 52 Week Challenge Balance: $2040.94

This also brings my cc #1 balance to $3304! That's the lowest it has been in maybe about 2 years?

Payday, Snowfalkes, and the 52 Week Challenge

May 5th, 2016 at 04:14 pm

Hi, everyone.

I got some snowflakes earlier this week, so I am reporting that and amounts for my payday tomorrow. I have decided to save in advance for our fees to have our taxes done, as every year, it seems to creep up on us and I wind up taking it out of regular savings - not good. Here are my numbers:

Old 52 Week Challenge Balance: $1791.20

mrrebates rebates totaling $11.04
cc #1 DH's payment 5/2 $66.70
regular savings deposit for 5/6 $40.00
slush deposit 5/6 $20.00
car savings deposit 5/6 $30.00
hvac savings 5/6 $7.00
2016 tax prep savings 5/6 $6.00
AAA/prop tax savings 5/6 $10.00
medical savings 5/6 $6.00
cc #1 payment 5/6 $50.00

New 52 Week Challenge Balance: $2037.94

This is amazing. I have saved or paid off more than $2000 and it's not even June yet!

I am doing a food challenge this week and next to see how little I can spend on food for my lunches and such. I am growing my own kale, lettuce, and green onions, so I have plenty of makings for lunch during that time. I will have some pocket change to put towards my grocery bill and will send the matching amount to cc #1.

I also have a $3.00 payment coming from Pinecone, but I will add it in when I get it.

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