More good news. A few days ago, I bought a scratcher lottery ticket for $1.00 or $2.00. Today, I found out I won $10.00. So, I am adding $10.00 to the UFM total.

2019 Financial Plan Progress

1) Purchase a used car with saved funds and tax refund by the end of February. It took me 6 years to accomplish this goal, but I did find a used car in good condition, get it inspected by my mechanic, and get the carfax report.

2)Pay down balance on cc #1 to $2000.00 by December 31st. I did not quite that close, but the number is much better.

3) Continue to eat super healthy by growing some of my own food and buy some at the farmer’s market and stores. I have grown some of my own food and bought some from local farmers.

4) Contribute any coupon or sales savings to credit card payoff. I have redirected sales and coupon savings toward the car savings project, and after buying the car, the credit card.

5) I will also contribute any funds I get from rebates to credit card payoff also. I did the same thing with this that I did with #4.

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2020 Financial Plan

1) Pay down cc #1 to by $1,000.00 by 12/31.

3) Continue to eat super healthy through gardening and buying from local farmers.

4) Contribute any coupon or sales savings to credit card payoff. This is a money game I play.

5) I will also contribute any funds I get from rebates to credit card payoff also.

6) Save up for vacation. (Target 4/30)

7) Save up for work trip. (Target 05/31)

I did some more shopping today for much needed items.

Furnace Filters. I buy our furnace filters online because we have an odd size of 16 x 25 x 2. Hardware stores in my area do not carry this size. The ones I buy are better filters and cheaper by the filter than buying at a store. I bought 4 filters for $47.00.

Supplements. I bought some more supplements online for $47.00.

I will get rebates on all of these because I ordered by going through mrrebates. I also had coupons for most of what I ordered. Woo-Hoo!

This is my first update in awhile and I think that was way before the hacking incident.

Today is my payday. Woo-Hoo! The other thing I am celebrating is that my raise has finally kicked in and I have back pay in that paycheck from July to now. Yay! So, for this payday, I have stepped up the debt payoff and savings deposits. I am also planning on buying a couple of things I have been needing for awhile.

That's all for now. Now to make my shopping list.

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!!

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.

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

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.

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!!!

Old 52 Week Challenge Balance: $2224.23

payment to cc #1 $5.00

New 52 Week Challenge Balance: $3193.75

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

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

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

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.

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.

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 -

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?

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.

Hi, everyone. I just got a Pinecone survey check for $3.00 and sent it directly to cc #1.

I also will have some other snowflakes coming soon in the way of DH's payment to cc #1 in the amount of $66.70 and my rebates for mrrebates of around $11.00.

Awesome!

Old 52 Week Challenge Balance: $1788.20

Pinecone Check $3.00

New 52 week Challenge Balance: $1791.20

Hi, everyone.

I just got paid yesterday and have already paid all bills due, including car insurance, 1/2 of the mortgage, water/sewer, cc #1, and made savings deposits.

Old 52 Week Challenge Balance: $1604.93

Regular Savings Deposit $40.00
Car Savings Deposit $20.00
House Savings Deposit $20.00
cc #1 regular payment $50.00
Toluna check paid to cc #1 $25.00
Pocket Change Paid to Groceries also paid to cc #1 $13.43
Shopper Card Savings Paid to cc #1 $14.84

New 52 Week Challenge Balance: $1788.20

This also brings the cc #1 balance to $3389! Woo-HOO!

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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.