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52 Week Challenge Progress

April 13th, 2016 at 05:25 pm

Hi, everyone. I got a payment from pinecone today, so I am sending it right to cc #1 before I have a chance to spend it on shiny baubles. Big Grin

Old 52 Week Challenge Balance: $1601.93

Pinecone payment $3.00

New 52 Week Challenge Balance: $1604.93


Also, I apparently miscalculated what the balance on cc #1 would be after an earlier payment. After this $3.00 payment, the balance is a whopping $3467.42!



I am going to start setting aside funds each payday, about $40 or so, to get invisalign braces next year about this time. It is something I have been wanting to do for a long time and I have just finally gotten fed up with the problem. I will put the money in my medical savings.

52 Week Challenge Progress

April 8th, 2016 at 07:18 pm

Hi, everyone.

I just got a rebate of $18.02 for a purchase I made earlier.

Old 52 Week Challenge Balance: $1583.91

rebate $18.02

New 52 Week Challenge Balance: $1601.93

Payday and 52 Week Challenge Progress

April 7th, 2016 at 06:19 pm

Hello, financially savvy neighbors! I will get paid tomorrow and have already paid all bills due, including phone/internet, electric, gas, and 1/2 of the mortgage.

Here are my 52 Week Challenge numbers.

Old 52 Week Challenge Balance: $1393.91

regular savings deposit $40.00
professional savings deposit $40.00
car savings deposit $20.00
house savings deposit $20.00
slush deposit $20.00
cc #1 payment $50.00

New 52 Week Challenge Balance: $1583.91

Also, my payment of $31.31 hits cc #1 tomorrow, which will bring cc #1 balance to $3519.69.

Oops. I forgot to add my regular savings deposit of $40.00. It is an automatic transfer, so I forget about it sometimes. I have adjusted my numbers.

52 Week Challenge Progress

April 7th, 2016 at 02:20 pm

Hi, everyone.

I just got my epoll.com deposit.

Old 52 Week Challenge Balance: 1388.91

Epoll.com deposit $5.00

New 52 Week Challenge Balance: $1393.91

This brings my cc #1 balance down to $3551.00.

More Snowflakes Coming Soon...

April 6th, 2016 at 05:02 pm

Hi, everyone.

I just got an email that I have $5.00 coming from epoll.com. Woo-hoo! It will take a few days to get it and when I do, I will send it directly to cc #1.

I also just finished a Pinecone survey. I will probably get $3.00 for finishing it.

52 Week Challenge Progress

April 5th, 2016 at 05:23 pm

Hi, everybody.

DH got his regular check on April 1st and paid $66.70 to cc #1 with it. On Saturday, April 2nd, I went shopping and used $15.77 in pocket change to pay to the grocery bill. With coupons and sales, I saved $15.54 on the grocery bill.

Old 52 Week Challenge Balance: $1290.90

DH's payment to cc #1 $66.70
cc #1 payment from grocery savings $15.77
cc #1 payment from pocket change paid to grocery bill $15.54

New 52 Week Challenge Balance: $1388.91


I also accumulated enough rebates at mrrebates to cash in. I will get my funds May 1st and send it directly to cc #1.

52 Week Challenge Progress and Shopping Success

March 26th, 2016 at 01:57 pm

Hi, everyone.

I did my grocery shopping today and saved a total of $19.08.

Old 52 Week Challenge Balance: $1271.82

Pocket Change Paid to Grocery Bill $.01
Penny Found On the Ground Paid to Grocery Bill $.01
Savings From Shopper Card and Coupons $19.06

New 52 Week Challenge Balance: $1290.90

After getting home from the store, I sent $19.08 to cc #1.

Payday and 52 Week Challenge Progress

March 25th, 2016 at 03:58 am

Hi, everyone. I have been paid today, so I have allocated more money for debt, savings, retirement, and bills. Here are my numbers.

Old 52 Week Challenge Balance: $1091.82

Regular Savings Deposit $40.00
Car Savings Deposit $20.00
House Savings Deposit $20.00
Professional Savings Deposit $40.00
Slush Deposit $20.00
cc #1 payment $40.00

New 52 Week Challenge Balance: $1271.82

I should be getting my Toluna check any time. It is for $25.00. I previously wanted to use it for cc #1, but I will be attending a conference in a nearby town in April. I have most of the funds set aside already in professional savings, but need more. I really did not think I was going to get to go. I am also going to pay whatever savings I have at the grocery store to cc #1. I will also use some spare change to pay some on the grocery bill and do the same with it.

Mortgage is Down!

March 18th, 2016 at 05:07 pm

Hi, everyone!

My mortgage is now under $65K! Woo-Hoo!

Payday and 52 Week Challenge Progress

March 12th, 2016 at 12:49 pm

Hi, everyone. I got paid yesterday and so more money went to make payments on debt, retirement contributions, and bills. Here are my numbers so far.

Old 52 Week Challenge Balance: $925.82

slush fund deposit $20.00
regular savings deposit $40.00
house savings deposit $25.00
car savings deposit $25.00
professional savings deposit $20.00
escrow savings deposit $3.00
hvac savings deposit $3.00
extra on shoe allocation sent to cc #1 $30.00

New 52 Week Challenge Balance: $1091.82

And in other excellent news, I really, really needed a new pair of Asics tennis shoes. Because of feet and leg problems, they are the only shoes I wear and mine are about 1 year old. My husband found a new pair of all black ones on Ebay for $59.99 with free shipping. This is a pair of shoes that normally costs around $150.00 in the store, but I usually look for last year's model. I had allocated $90.00 for the purchase already, so after looking at my budget, I plan to put the rest on cc #1.

52 Week Challenge Progress

March 8th, 2016 at 06:26 pm

Hi, everyone.

I got a deposit of $3.00 from Pinecone today. I am sending it right away to cc #1 before I have a chance to spend it on shinies.

Old 52 Week Challenge Balance: $922.82

$3.00 Pinecone deposit

New 52 Week Challenge Balance: $925.82


This also brings cc #1 to an all time low balance of $3615.25.

More Snowflakes Coming Soon...

March 7th, 2016 at 08:50 am

Hi, everyone. And they just keep on a rollin' in. I cashed in points at epoll.com and Pinecone.

From epoll.com, I will get $5.00, and from Pinecone, $3.00.

That's a total of $33.00 pending on the 52 Week Challenge because I also have $25.00 coming from Toluna.

Woo-Hoo!

52 Week Challenge Progress

March 5th, 2016 at 12:11 pm

Hi, everyone.

I cashed in my Toluna points for a $25.00 check. I guess I will probably get it in a few weeks or so and send it to cc #1. I will count it on the challenge it when I get it.

This is cool. Big Grin

52 Week Challenge Progress

March 4th, 2016 at 04:40 am

Hi, everyone. I finally got my mrrebates deposit of $10.98. I sent it immediately to cc #1.

My cc #1 balance is now $3618.25! Woo-Hoo!


Prior 52 Week Challenge Balance: $911.84

mrrebates $10.98

New 52 Week Challenge Balance: $922.82



I will be going to a professional conference for 2 days in April. It is in-state, so the only travel is by car and my employer can loan me a vehicle. So, my expenses will likely be the following:

$60.00 conference registration
$80.00 estimate for food
$100-$200 for hotel (I am not sure if it will 1 or 2 nights)

52 Week Challenge Progress

March 1st, 2016 at 03:55 am

Hi, everyone. I hope everything is going great with all of you on this March 1st. My DH got his paycheck today, so part of it goes to pay a couple of bills, but we send $66.70 of it to cc #1. This is what is making me so excited. This is the lowest cc #1 has been at in over a year!

Prior 52 Week Challenge Balance: $845.14

DH's payment to cc #1 $66.70

New 52 Week Challenge Balance: $911.84

This brings the balance of cc #1 to $3629.23. Woo-Hoo!

52 Week Challenge Progress

February 27th, 2016 at 07:38 pm

Old 52 Week Challenge Balance: $835.14

Pinecone deposit paid to cc #1 $3.00
Spent pocket change on part of grocery bill, so I am making matching payment to cc #1 $7.00

New 52 Week Challenge Balance $845.14

Tuesday is my husband's monthly payday, so he will be making a payment to cc #1 also. I will also get a deposit from mrrebates for almost $11.00 that I will send directly to cc #1.

Woo-hoo! It just keeps rollin' on in!

Another Payday and 52 Week Challenge Progress

February 25th, 2016 at 05:07 pm

Hi, everyone. I get paid again tomorrow, so I have already allocated funds to go to savings, debt, and bills. My retirement comes out of my pay before I see it.

Old 52 Week Challenge Balance $678.14

Deposit to Car Savings $20.00
Deposit to Regular Savings $40.00
Deposit to House Savings $20.00
Deposit to Professional Savings $20.00
Deposit to HVAC savings (eventual replacement) $3.00
Deposit to AAA/property tax savings $4.00
cc #1 payment $50.00

New 52 Week Challenge Balance $835.14

I found a penny in my desk at work today. I will use it to pay part of my grocery bill Saturday.

I am going to do a pantry challenge, as I think I have been spending too much on food and need to scale back to pay more on debt. I have been really busy and stressed out with a big project at work, the biggest part of which will not end until about the beginning of April. In an effort to keep myself sane, I need to get out of my building at lunch and think about something else. I need to find a way to do that involves buying less stuff when I do it. I can't do the usually obvious things like bringing a sandwich or some kind of pasta/rice dish from home, as I can't eat grains. I think I will try to do something like buying a vegetarian salad and taking a package of tuna and some fruit with me. That makes my salad at least $1.00 cheaper. I can also use my fountain card (I already do most of the time). This strategy should help me to still say sane and get a break from work while also not breaking my budget. Big Grin

52 Week Challenge Progress

February 19th, 2016 at 03:23 pm

Hi, everyone. I have been using my fountain card more this work and thus, saving even more money, so I am sending more to cc #1 just because I can. I love that.

Old 52 Week Challenge Balance $673.14

cc #1 extra payment $5.00

New 52 Week Challenge Balance $678.14

Woo-HOO!

Tomorrow, I will be using some pocket change to pay for part of my grocery bill. I will send an amount equal to that to cc #1. I have no idea how much it is. I love playing these games.

Item #5 on my goals list is well under way. I have been growing kale and green onions all winter and they are still growing. I had arugula and lettuce for awhile, too, but eventually, they died. Too cold, I guess. Right now, I have more seeds on my back porch being warmed by a warming device usually used for keeping lizards warm, but it was the best thing I could find for sprouting seeds. It seems to work well, as I already have calendula and bee balm (both herbs) sprouting. I also have tomato seeds, but no sprouts yet.

Payday and 52 Week Challenge Progress

February 11th, 2016 at 09:01 pm

Hi, everyone. I get paid tomorrow, so I am bringing my numbers up to date here.

Old 52 Week Challenge Balance: $673.14


cc #1 extra payment from tax refund $465.86

cc #1 extra payment from pinecone deposit $3.00

deposit to slush $20.00

regular savings deposit $40.00

car savings deposit $20.00

house savings deposit $20.00

HVAC savings deposit $2.00

AAA/car tax savings $3.00


New 52 Week Challenge Balance: $1247.00

WOO-HOO!

I think this will bring cc #1 balance to $3716.54. That's a lot lower than it has been in a long time.

I also cashed in my rebates at mrrebates. It was almost $11.00. I will get it at the beginning of March and count it towards the challenge then.



Almost 52 Week Challenge

February 8th, 2016 at 12:34 pm

Hi, everyone.

My federal return of $1095 is pending in my checking account right now. Woo-hoo!

I already spent my $137.00 state return on my car repair bill, so I still have $629.14 left to pay on that bill out of that return.

With the remaining $465.86 of the return, I will make a large payment to cc #1.

I will post updates soon.

52 Week Challenge Progress

February 4th, 2016 at 06:36 pm

I sent an extra $5.00 to cc #1 today.

Old 52 Week Challenge Balance: $668.14

Extra payment to cc #1 $5.00

New 52 Week Challenge Balance: $673.14

Not 52 Week Challenge.... Yet

February 4th, 2016 at 06:32 pm

Hi, everyone.

I got my state tax refund yesterday. Today, I sent that amount to cc #2 as a payment for the anticipated car repair. I should get my federal refund in a few weeks. I will apply part of it to the rest of the car repair cost. The rest will go towards cc #1 debt. So, that portion will be part of the 52 Week Challenge.

52 Week Challenge Progress

January 31st, 2016 at 01:40 pm

Hello, everyone.

I feel so blessed. I use cc #2 monthly for paying one bill. We also occasionally charge other things to it and it has rewards points which you can cash in for credit, a check, gift cards, etc. I don't like gift cards because they sometimes have fees attached to them or are limited to a specific store. They also have expiration dates and I don't have the time to keep up with such things. I would rather have a credit on the account if I have a balance or a check that I can deposit and spend however I want to. Today, I logged into the account and found that I had 5,000 rewards points. I cashed them in for a credit on the account because I currently have a balance. I am counting this as found money on my 52 week challenge.

Old 52 Week Challenge Balance $573.04

cc #2 rewards points $25.34

New 52 Week Challenge Balance $598.44

52 Week Challenge Progress, Tax Refund, and Other Stuff

January 30th, 2016 at 01:48 pm

Hi, everyone.

My husband gets his monthly check on Monday. When it clears, I will send $66.70 directly to cc #1.

Also, the mortgage payment clears on Monday. It is already allocated for.

I will have another Pinecone deposit soon and I will send it directly to cc #1.

I used $7.63 of spare change towards my grocery bill today. I made an equal payment towards cc #2. I charged a small amount to it and need to get it paid off soon.

We went to have our taxes done today. We will get $1095 from federal and $137 from the state.

I will probably be able to cash in my rewards points on cc #2 later next week. I am probably going to ask for it as a check, as I don't do gift cards.

We need to have some work done our car that will cost about $700.00. With the remaining $531.00, I will make a large payment to cc #1. With the earlier $66.70 payment and this payment, the cc #1 balance will be about $3600. Woo-Hoo! This is awesome. This will go a long ways towards paying off cc #1 this year.

I will post updates later.

Payday and 52 Week Challenge Progress

January 28th, 2016 at 11:35 am

I get paid tomorrow. I have already paid both cc bills, allocated for 1/2 of the mortgage, and made out a deposit to savings.

Old 52 Week Challenge Balance: $379.04

cc #1 payment $50.00
cc #2 payment $20.00
House savings $30.00
Regular Savings deposit $40.00
Professional savings deposit $20.00
Escrow savings deposit $2.00
Tax/AAA Savings deposit $7.00
HVAC Savings deposit $5.00
Slush Deposit $20.00

New 52 Week Challenge Balance: $573.04

52 Week Challenge Progress

January 27th, 2016 at 06:38 pm

Hi, everyone.

My cc #1 bill came due and of course, interest on top of the balance. The current balance is $4339.00. I recently cancelled a magazine subscription that I decided I did not want. Because the 1 year subscription had not even completed yet, the gave me a refund in full! Woo-Hoo! That totally surprised me, because I only contacted them to make sure that would cancel it. This is great news. I immediately sent the $39.00 for that to cc #1, bringing cc #1 to $4300.00.

Prior 2016 52 Week Challenge Balance: $340.04

Magazine Refund $39.00

New 2016 52 Week Challenge Balance: $379.04

Profit Payout In Savings Paid to 52 Week Challenge

January 20th, 2016 at 05:25 pm

Hi, everyone. My credit union does a profit payout every January. This year, mine is $9.44. I also got a Pinecone deposit. I transferred both directly to cc #1.

Old 52 Week Challenge Balance: $327.60

$9.44 Profit Payout Payment to cc #1
$3.00 Pinecone deposit

New 52 Week Challenge Balance: $340.04

This brings my cc #1 balance to $4328.22.

52 Week Challenge Progress

January 18th, 2016 at 04:26 pm

Hi, everyone. I sent $5.00 more to cc #1. I want to send more except I want to see the price tag on car repair or replacement first. Ugh. I really hope it is just a repair.

Prior 52 Week Challenge Balance: $322.60

$5.00 extra payment to cc #1

New 52 Week Challenge Balance: $327.60

This brings the cc #1 balance to $4340.66. Woo-hoo!

CC#1 and Mortgage Are Both Down!

January 16th, 2016 at 06:50 am

Hi, everyone. This is the first time in awhile that my cc #1 balance on the margin is accurate. I would charge something to it, pay it off, but I had a hard time decreasing the balance. Because I had 3 paydays last month and just got paid again yesterday, I have been able to bring it down.

cc#1 balance $4345.66

I have also been doing very well on paying a little extra to the principal on the mortgage, so the balance is going down quickly.

Mortgage Balance $65,248.40

Payday, 52 Week Challenge, and Car Issues

January 15th, 2016 at 04:46 pm

Hi, everyone. I got paid today. I have already allocated for 1/2 of the mortgage, mailed a deposit to savings, and paid the gas and electric bills. I also made a $75.00 payment to cc #1. Here are my numbers.

Prior 52 Week Challenge Balance: $5.00

$ 40.00 Regular Savings Deposit
$ 20.00 Car Savings Deposit
$ 20.00 House Savings Deposit
$ 2.00 Escrow Savings Deposit
$ 2.00 Professional Savings Deposit
$ 2.00 HVAC Savings Deposit (for eventual replacement)
$156.60 Principal Paid on Mortgage
$ 75.00 cc #1 payment

New 52 Week Challenge Balance: $322.60

As for my car issues, my car had made a weird noise a couple of times recently. It sounded to me like the starter. When I called a mechanic, I scheduled an appointment to bring it in. I had him listen to the sound. He got a weird look on his face. He said it sounded to him not like the starter but the fly wheel. Anyway, the mechanic said later that to fully diagnose would take a minimum of 8 hours labor at $70.00 per hour. That's not counting the cost of the part needing to be replaced or labor for replacing them. Ugh. I have been so careful with this car because it has a slight oil leak and power steering fluid leak and have watched those like a hawk, but had no idea about this.


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