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Archive for November, 2015

Happy Thanksgiving and 52 Week Challenge Progress

November 26th, 2015 at 09:00 am

Hi, everyone. I just want to wish Happy Thanksgiving to all of you and hope that you are having a restful, stress free day.

I finally got $5.00 more from Pinecone, so that went straight to cc #1.

Also, I have been doing pretty well with the fountain card, so I sent $2.00 to cc #1.

Old 52 Week Challenge Balance: $5364.68

Pinecone $5.00
fountain card savings $2.00

New 52 Week Challenge Balance: $5371.68

Mortgage is Down!

November 25th, 2015 at 09:43 am

Hey, neighbors! I just got my updated mortgage statement and my balance is down to $65,559.74! That's a difference of $312.91, including my extra principle payment of $34.32.

Old 52 Week Challenge Balance: $5051.77

Mortgage Balance Difference: $312.91

New 52 Week Challenge Balance: $5364.68

Payday and 52 Week Challenge Progress

November 20th, 2015 at 07:18 pm

Hi, everyone. I got paid today and so more money went to debt, savings, and retirement. I am doing so much better than I ever dreamed I would on this challenge. For the first time in well over a year, the regular savings account is over $1,000.00. Woo-hoo! I have worked really hard to get it there.

Prior 52 Week Challenge Balance: $4919.02

$40.00 Regular Savings Deposit

$20.00 Slush Deposit

$22.75 cc #2 Payment (made a purchase on the card - this brings the balance to $0)

$50.00 cc #1 Payment

New 52 Week Challenge Balance: $5051.77


I have also been stocking up on some foods that we use a lot when I see them on sale. This has helped me to level out the grocery budget better. I have also had good success with the fountain card this week. I will likely be making another $5.00 payment to cc #1 next week.

More Snowflakes Coming Soon...

November 16th, 2015 at 07:04 pm

Hi, everyone.

I just cashed in some more survey points and rebates that will come to fruition soon.

I cashed in my rebates at mrrebates dot com for $11.97. I will get that at the end of the month.

I cashed in my survey points at epoll for $5.00.

I will probably be able to cashed in points at pinecone for another $5.00.

This will all make additional payments totalling $21.97 to cc #1.

Payday and 52 Week Challenge Progress

November 11th, 2015 at 06:39 pm

Hi, everyone.

I figure I have saved at least $2.00 this week by using my fountain card and making my own tea. So, $2.00 is now on its way to cc #1.

Prior 52 Week Challenge Balance: $4917.02

$2.00 extra payment

New 52 Week Challenge Balance: $4919.02

New cc #1 Balance: $4408.00

Payday and 52 Week Challenge Progress

November 5th, 2015 at 05:34 pm

Hi, everyone.

My 52 Week Challenge is going great, better than I ever even dreamed. I feel so blessed. With Thanksgiving coming up, I feel that I should recognize that I am blessed with, among other things, 1) good health, 2) finances in good shape and improving, 3) friends, family, and a husband who all love me, and 4) a good job.

Old 52 Week Challenge Balance: $4727.02

$40.00 Regular Savings Deposit
$20.00 Car Savings Deposit
$20.00 House Savings Deposit
$15.00 AAA/Car Tax Savings Deposit
$75.00 cc #1 payment
$20.00 slush savings

New 52 Week Challenge Balance: $4917.02

My challenge to limit trips to convenience stores has worked out famously with only 2 trips this week as opposed to daily trips previously, sometimes multiple times per day. All other food and beverages have been brought from home, prepared at work using teabags I brought to work with me, or purchased at work using my new fountain card.

Spending Less $ = More Money for Paying on Debt, Part 2

November 3rd, 2015 at 04:44 pm

Hi, everyone.

I am still trying to come up with more ways to spend less on stuff. As you know, I have been paying more attention to stuff I spend money on, like iced tea at convenience stores and such and applying the funds I don't use for that to paying off cc #1. Today, I also discovered that at my work's cafeteria where I sometimes buy lunch and iced tea, they have something called a fountain drink card where you can buy 10 refills (you must bring a refill cup which I already have) ahead of time for $6.00 plus tax or $6.56, which comes out to about 65 cents per refill. Yea. So, I have still been resisting going to convenience stores because that is usually $1.19 to $1.30 per 32 ounce drink depending on which one I go to. But at the work cafeteria, I can use the fountain card and save a lot of money. So, I bought one and have been using it for when I do buy iced tea on work days. Of course, I am also still making tea at work and drinking that much of the time, but sometimes, I want to get out of my office and do something different for a little bit. I am going to figure out the difference between what I was paying and what I am paying now and pay that to cc #1.