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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

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.

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.

Spending Less $ = More Money for Paying on Debt

October 28th, 2015 at 08:20 pm

Woo-hoo! Spending less money on trinkets, blinkets, and shineys nets you more money to pay on debts and necessities. Sound obvious? Yes, it is, but some of us have to consciously remember WHY we are spending less money on stuff like cups on ice tea from a convenience store so that we can some day be out of debt. I have been consciously thinking about this lately and instead of buying iced tea every day, I have been making my own in a pitcher and drinking that. I also bought a 12 pack of sparkling seltzer water and added lemon juice and stevia for a refreshing, non caffeine beverage. Anyway, I am sending an extra $5.00 to cc #1 just because I have funds to do so due to less spending on stuff.

Prior 52 Week Challenge Balance: $4722.02

cc #1 extra payment $5.00

New 52 Week Challenge Balance: $4727.02

And It Just Keeps Rollin' In...

October 2nd, 2015 at 10:34 am

Hi, everyone.

It has been quite a week at my house. Our air conditioner is finally functioning at peak capacity. It turns out the reason why the fan kept running all the time even if we had it turned off is because of two reasons: something called a relay was malfunctioning and a wire was hooked up wrong. Anyway, it's all fixed now. The weather has been rather cool here this last week, so we have not had the A/C on for at least four days. And because we have our new windows, we have had the windows open that entire time. For the last five years, we have not been able to open windows on cooler days because the windows did not open at all.

Also, today the deposit for my rebate from mrrebates came in and went right back out to cc #1. Woo-Hoo! So, here is my updated 52 Week Challenge Balance.

Prior 52 Week Challenge Balance: $4381.58

mrrebates deposit $10.44

New 52 Week Challenge Balance: $4392.02

This brings the balance for cc #1 to $4496.78.

More Frugal Goings On

October 1st, 2015 at 03:21 pm

Hi, everyone. I got my Pinecone deposit today and my husband got his check, so here is the update to the 52 Week Challenge.

Prior 52 Week Challenge Balance: $4309.10

Husband's payment to cc #1 $67.48
Pinecone Deposit $5.00

New 52 Week Challenge Balance: $4381.58

This brings the cc #1 balance to $4507.22.

I also got an email from mrrebates about my rebate of $10.44 being available. So, when that arrives in the bank account, I will send it to cc #1 also. Woo-Hoo!

Frugal Goings On

September 30th, 2015 at 06:04 pm

Hi, everyone.

I just got a payment of $5.00 from Pinecone. As soon as it clears, I will send it right to cc #1.

My garden is doing well. My kale and lettuce are about 3 inches hall! In another few weeks, they will be ready for picking. Yummy!

I transferred money the other day to make the escrow payment. The transfer finally cleared, so I mailed the check today.

Tomorrow, my husband's check clears and $67.48 of that will go to cc #1.

I will post an updated cc #1 balance tomorrow after both payments clear.

52 Week Challenge Progress

August 19th, 2015 at 04:24 pm

Hi, everyone. More progress to report on the 52 Week Challenge here. I just got a Pinecone deposit in the amount of $5.00, so I sent it directly to cc #1. Woo-Hoo!

Old 52 Week Challenge Balance: $3695.11

Pinecone deposit $5.00

Current 2015 52 Week Challenge Balance: $3700.11

52 Week Challenge Progress

August 15th, 2015 at 05:43 am

Hi, everyone. Several days ago I got a $25.00 Toluna suurvey check in the mail. I deposited it and as soon as it cleared, I sent it to cc #1. Woo-Hoo! This feels great.

I should be able to cash in at mrrebates before the month is over. That will be about $10.00.

Prior 52 Week Challenge Balance: $3670.11

cc #1 payment $25.00

New 52 Week Challenge Balance: $3695.11

52 Week Challenge Progress and Something Funny For Trekkies Out There

July 28th, 2015 at 05:57 pm

Hi, everyone. In the mail today, I got something I had actually forgotten all about, a rebate check for Dickinson's astringent for $4.99. I have already deposited it and authorized payment to cc #1. This brings my 52 Week Challenge Balance to $3302.66. Woo-Hoo!

And now for something to give you a giggle, especially if you are a Star Trek fan. This shot came from an original Star Trek series episode called "The Trouble with Tribbles" that aired in 1967.

52 Week Challenge Progress

July 27th, 2015 at 06:11 pm

Hi, everyone. I got a survey deposit from Pinecone. I will pay it directly to cc #1.

Prior 52 Week Challenge Balance: $3382.67

Pinecone Survey Deposit $5.00

New 52 Week Challenge Balance: $3387.67

More 52 Week Challenge Progress

July 24th, 2015 at 01:57 pm

Okay. I have been disbursing more of my reimbursement money, so at the bottom is an update of everything I have done so far.

Specifically what's changed is:

$50.00 cc #1 payment

$50.00 another $50 on trip out of town next week

$100.00 slush money redirected towards door bell installation

$82.63 from the other things I have not thought of category (money I spent purchasing a doorbell, transformer, and doorbell button at Home Depot)

Total done yesterday and today is $282.63 .

-50 part of trip out of town (DONE!!!)
-60 house savings (1/2 DONE!!)
-60 car savings (1/2 DONE!!)
-100 regular savings
-200 yard light/doorbell installation allocation (DONE!!!)
-100 cc #1 (DONE!!!)
-75 escrow (-20 TOWARDS THIS SO FAR!!)
-40 fun money
-100 extra slush (redirected towards yard light/doorbell) (DONE!!!)
-283 other that I have not thought of ($82.63 of this spent on buying new door bell at Home Depot)

This brings my 52 Week Challenge Balance up a little bit to $3382.67.

52 Week Challenge Progress

July 22nd, 2015 at 04:33 am

So, if you recall in my last financial post, I still had $58.00 of my $500.00 reimbursement left. Well, today I sent that to cc #1.

Also, I finally got the second part of my reimbursement in that amount of $1118.62. I have already sent $80.00 total to house, car, and escrow savings. I have also allocated $200.00 for the yard light and doorbell replacement.

-50 1/2 of trip to fayetteville
-60 house savings (1/2 DONE!!)
-60 car savings (1/2 DONE!!)
-100 regular savings
-200 yard light/doorbell (DONE!!!)
-100 cc #1
-75 escrow ($20 TOWARDS THIS SO FAR!!)
-40 fun money
-100 extra slush
-283 other that I have not thought of

Old 52 Week Challenge Balance: $2885.25

$80.00 Savings Deposits
$58.00 cc #1 payment
$200.00 set aside for home repairs/maintenance

New 52 Week Challenge Balance: $3223.25

52 Week Challenge Progress

July 20th, 2015 at 04:38 pm

Hi, everyone. So far, I have only received $500.00 of my total conference reimbursement (it comes from 2 different places). I had a lower balance on cc #2 that what I thought, so I have adjusted my original plan as follows.

$500.00 Total Reimbursement Part 1

$192.00 cc #2 payment (the balance is now $0!)
$ 50.00 cc #1 payment
$100.00 yard light allocation
$100.00 trip out of town at end of month allocation

So, with all of that, here is the update to my 52 Week Challenge Balance:

Prior Balance: $2443.25

Payments and Set Asides: $442.00

New 52 Week Challenge Balance: $2885.25

I still have $58.00 left out of the $500.00 after all that. I think I may put it on cc #1 because it really needs to be paid down.

This is me right now. I'm so excited!! And this is only the beginning. I have about $1100.00 coming probably tomorrow to spend on debt, savings, etc.

Click on this video of the Pointer Sisters to see just how excited I am to pay off debt and allocate funds for things that I really need.


52 Week Challenge Progress

July 8th, 2015 at 06:24 pm

Well, this month is a three paycheck month for me, so Yay! I have a little extra money and the only thing I have to buy for the next is groceries. So, I sent an extra $60.00 to cc#1. I also put $80.00 into slush.

Old 52 Week Challenge Balance: $2203.25

cc #1 $60.00
Slush deposit $80.00

New 52 Week Challenge Balance: $2343.25

Payday, 52 Week Challenge, and Other News

July 2nd, 2015 at 07:00 pm

Hi, everyone. Well, today was payday (I am usually paid on Fridays, but tomorrow is a holiday), so more money went to savings, debt, and retirement. Also, last Wednesday, I left on my conference trip and returned on Tuesday night. After returning, I also claimed my travel rewards on cc #2 which I used for the trip. After claiming the travel reward, I emptied out my professional account, as shown on the left to pay most of the rest of the bill. That amount covers almost everything, including what I spent on fun stuff, food, hotel, airfare, subway fare, and my share of the rental car. I will also get a reimbursement check from my employer. I am not sure of the amount yet, but in general, I plan to pay off a large amount on cc #1, put money into regular savings and house savings, and also have a outside yard light replaced with something more energy efficient. That is as specific as I can get until I know the exact amount. It may seem counter-intuitive to save my own money to pay off the purchase when I know I will get reimbursed for some of it, but the truth is the amount I get back is only guaranteed up to $500 per year for out of state travel, so I have to save some of my own money also.

Prior 52 Week Challenge Balance: $2095.25

Regular Savings Deposit: $40.00
House Savings Deposit: $20.00
Car Savings Deposit: $20.00
Travel rewards from going on conference trip $28.00

New 52 Week Challenge Balance: $2203.25

I am not counting the amount I paid out of the professional savings to cc #2 in the challenge because I already counted it. However, I will count the reimbursement once I receive it.

One more cool thing that happened recently was on the day I was returning from my conference, my husband who stayed home was supervising the installation of 3 new windows in our home.

More Upcoming 52 Week Challenge Funds

June 20th, 2015 at 11:19 am

Hello, everyone. I needed to buy some T.N. Dickinson's astringent pads for my face today. There was peelie attached that I thought maybe was a coupon, but it's actually a rebate for the full price of the item. Woo-hoo!


So, if you use this product, look for the peelie to get your rebate! This will be $4.99 back for me. According to a comment I saw online, it should take around 4 1/2 weeks to get it. I will apply it to the credit card when I get it. I like this free stuff that keeps coming my way.

I also bought a used bathing suit at the humane society store today for $2.00. Yesterday, at another thrift store, I bought 2 pairs of khahi type slacks and 2 shirts for a little over $2.00 because it was on winter clearance! I badly needed some stuff like this, so this was a boon to me. I don't know why it was on winter clearance, because you can wear khakis pretty much year round, but I am not going to refuse it. That's for sure.

Toluna Survey Check Coming Soon for 52 Week Challenge

June 13th, 2015 at 02:43 pm

Hi, everyone. I just cashed in 75,000 Toluna survey points for a $25 check. It could take up to 8 weeks to get it. Ugh, but it's something. It will go directly to the credit card bill unless I have some other bill needing to be paid when I get it.

More Snowflakes for The 52 Week Challenge

May 27th, 2015 at 05:13 pm

Over the holiday weekend, I took 2 Pinecone surveys. Today, I got the email that said points had been awarded in my Pinecone account. I previously had a 100 point balance and after the email, had a 1100 point balance. I quickly cashed in 1000 points for $10.00 paypal. I will get it in a few days and apply it directly to the credit card. My husband will get his check on Monday and $37.48 of it will also go to the credit card. And I will also get my mrrebates deposit of about $10.00. I am just swimming in it. How do I keep bringing it in?

More Debt to Be Paid Off Soon

May 20th, 2015 at 10:11 am

Hi, everyone. I just cashed out my mrrebates account for $10.10. I will get it until June 1st and I will directly apply to credit card debt.

Also, I have realized that I have enough funds for my conference trip saved up, so I am not going to set aside any more funds. I will devote the "extra" funds to the following: 1) $40 to the house account for the windows which will likely be installed soon and 2) $100 to credit card debt.

I have also been using my rewards credit card for my one major grocery purchase each week in order to earn rewards. At the end of June, I will have enough rewards to get a rebate. I will use that to make an extra payment to the other credit card.

52 Week Challenge So Far

April 4th, 2015 at 01:32 pm

Hi, everyone. I used change in the amount of $0.71 to pay for part of my groceries and lessen the amount coming out of checking. That's good, because checking is a little low. I am going to put it toward cc#1.

Old 52 Week Challenge Balance: $1237.48

$0.71 change used for groceries

New Balance: $1238.19

This Year's Garden and My 52 Week Challenge

March 27th, 2015 at 07:05 pm

For four years now, I have been growing a garden, planting my seeds and plants primarily in a small plot at the back of my house. This year, due to an upcoming trip in late June, I decided to make my garden more simple by planting greens in several pots. I deliberately chose plants that I knew would be close to on their way out for the summer by late June and others that will be drought tolerant if it gets kind of dry while I am gone on my trip. I also know how to do drip irrigation by reusing plastic 2 liter bottles. I did the same trick last year when I went on a 3 day trip and it worked great, but I was very surprised at how well it did work. My husband has not been feeling well and is not going on the trip, so he would not be up to watering the plants. Part of my 52 Week Challenge once my plants get big enough to actually start harvesting will be to save whatever money I would have spent buying that food and put it towards my cc debt. I generally spend about $1.00 for a bunch of organic kale, $1-$2 on lettuce, and occasionally buy arugula, but do not remember the price. Sound like a good plan? Let's see how well it works. I checked outside this afternoon and my arugula, lettuce, and kale are already sprouted and are about 1 cm high. I think I have to wait a bit before I can eat it. LOL

In case you are interested in creating a homemade drip irrigation system without buying stuff or being an engineer, there are several good videos on YouTube about. I tried to cut and paste the url for one here, but SA won't let me. I even did the code, but SA just laughed at me.

52 Week Challenge Progress

February 27th, 2015 at 07:52 pm

Prior 52 Week Challenge Balance: $783.48

$22.00 deposit to slush fund
$40.00 deposit to regular savings
$40.00 deposit to house savings
$100.00 deposit to professional savings
$37.48 dh's payment to cc #1
$20.00 regular payment to cc #1

New 52 Week Challenge Balance: $1042.96

One of my new games this year has been to use all my change in my purse for my one big, regular purchase of the week. And that is grocery shopping. I go through the self checkout and bag all my groceries myself. I use as many coupons as possible. To limit the amount coming directly out of checking, I use all my pocket change and any bills I have in my purse. Usually, it is only a couple of dollars, but one week, it was about $20 I had leftover. Woo-hoo! I have also really been trying to evaluate each purchase I make and to use cash I take out of the ATM for impulse purchases, so that when the cash runs out, I stop buying stuff.

52 Week Challenge Progress

February 17th, 2015 at 09:16 am

Old Challenge Balance: $773.48

I found myself with some extra money in the checking, so I sent it to the cc #1.

New Challenge Balance: $783.48

52 Week Challenge

February 2nd, 2015 at 06:23 pm

I have allocated for nearly all of the upcoming expenses and find myself with some money left over. So, I decided to send an extra $5.00 to the cc#1.

Old 52 Week Challenge Balance: $496.48

Add $5.00

New Balance: $501.48

So far, this is shaping up to be a repeat of last year with not having to look very hard to find the funds to pay off debt. Cheers to my progress. I will start putting the pedal to the metal.


Found Money!!

December 13th, 2014 at 07:14 pm

I was under budget for my shopping today and so the leftover $20.00 is going to my slush fund. Also, an extra $20.00 is going to cc #1. Also, when we refied our house in July, it seems the mortgage company figured some fee incorrectly and today we got a check for a grand total of $5.85. As soon as that check clears, I will send it to cc #1.

Mortgage is Down and Found Some Money

November 18th, 2014 at 07:07 pm

Hi, everyone. We just got our first statement on our mortgage since we re-fied. It's weird because, unless I forgot to record the balance on SS for several months, the balance went down by about $1179, but the regular principal plus extra principal is $151.00. Hmm...

I also got some found money in the mail, $3.00 for a Pinecone survey and $6.77 in a reimbursement check for a work related party. The whole $9.77 is going to cc #1 once the check clears.

I am so blessed...

November 13th, 2014 at 09:46 am

Hi, everyone. I am so blessed. Today is a wonderful day. I remembered a couple of days ago that my cc #2 has with its rewards system a way to "erase" travel purchases. So, since I recently had to travel out of town for work, I decided to see how it would work for that. I was able to erase part of the cost of my hotel stay to the tune of $30.41! That was after I had already paid that part off for myself. Woo-Hoo! The credit for that hit today, which brought the balance of cc #2 to $185.59. Awesome. I also received the reimbursement payment for the trip from my work. I paid $100.00 to cc #2, bringing the balance of cc #2 to $85.59! Awesome. I feel so blessed. I will probably pay off the rest before next payday out of the same funds. I can't stop smiling. Big Grin

Day Off Today and Tomorrow

October 16th, 2014 at 11:48 am

I have today and tomorrow off. I probably will not be going anywhere or spending much money, so I decided to allocate some extra towards payoff of cc #2. Woo-Hoo! That brings the balance to $245.25.

Payday and Other Boring Stuff

September 26th, 2014 at 06:34 pm

Hi, everyone. It's payday again for me, so more money has come in and gone out and I am blessed. I have put more money into nearly all my savings accounts, retirement, and towards debt. The dh and I refi-ed our house this week. Woo-hoo! That lowered our payment by $40.00, $40.00 which we will now be putting towards set asides for more new windows. Eventually, I will go back to using it for paying more on the mortgage principle and credit card debt. Right now, in order to avoid freezing in the winters and roasting in the winters, we need new windows. We are so blessed and have no idea how we managed to bring all this greatness into our universe because we did not even seek out doing a re-fi. The dh called the mortgage company about something else and they wanted to talk to him about a NO COSTS OUT OF POCKET re-fi. Woo-hoo!

Also, I count on my list of things successfully done this week is paying our annual registration and car tax. I saved up since last July for doing so and on Sunday discovered I was only lacking $10.00 in the AAA/tax savings account from being able to pay for it. I had $10.00 in checking and it is due next week, so I paid it. It feels great knowing that it was not a problem to pay it, because I saved up for it rather than HOPING I would be able to pay for it when it came due. Big Grin

I will be attending a conference soon. I have also saved up for months to attend it. I have to pay for it up front myself, but got special funding at work to reimburse my expenses. My professional savings account is down $200 because I just paid for the conference registration in full.

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