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I am still here.

July 26th, 2016 at 07:50 am

Yes, I am still here, but I have not been posting much lately. I was in the hospital 3 times in April. I have gangrene in my left foot and it is very painful to walk. I had surgery to try and improve the circulation in my left leg, but so far, not much luck.
Please keep me in your thoughts and prayers. (And if you have any advice on gangrene, please let me know. Iwas completely surprised.

Thinking of Laura

April 24th, 2016 at 07:50 am

Today, let our thoughts be with Laura on her wedding day. I hope this is one of the most wonderful days of her life. Best wishes to them both.

Back to the doctor!

March 14th, 2016 at 10:02 am

Yes, it is back to the doctor for both Molly and me.
Molly's bllod sugar still has not regulated, so I am
taking her to the vets this afternoon for another blood test. She gets 2 shots a day now, 8 units of insulin each time. She "loves" the shots because we reward her with a piece of chicken each time. It makes us feel much better that the shots don't seem to bother her at all.
My infected foot is still no better. I have not been able to wear a pair of shoes in almost 2 months. I feel funny going out to the grocery store in fuzzy slippers, but that is all I can stand to wear.
I made an appt. to go back to see the doctor tomorrow. I am having a hard time sleeping at night because of the pain.

Great granddaughter has a mutual fund!

March 11th, 2016 at 07:34 am

I opened a mutual fund this week for my great grandaughter. This will be one of her birthday presents when she turns 3 the end of June. I chose vanguard star fund. Their minimum is $1000 to open a fund.
In the "good old days", you could open a mutual fund in many companies for any amount. I started my mutual fund savings with just $50 in the American Century fund, Heritage. I still have the fund.
I can remember going home every night and putting away 10% of my tips into a little wooden box to add to that fund every month. Tips were always low here, so usually my 10% was only $2. But, I faithfully sent the money that I saved, into that mutual fund every month.
I opened mutual funds for both of my granddaughters when they were born. Now they each have over $10,000 to help with a down payment when they buy a house.

I hope little Ava will enjoy her mutul fund money when she gets older and remember her old great grandma julie.

Got the mortgage check today!

March 10th, 2016 at 10:24 am

I got the March mortgage check today. It is due on the 25th, but she usually pays it early.
I use to have rental properties (38 years ago.)
Between being a landlord and being a mortgage holder, being the holder is a lot more fun! (and profitable)

Citi rebate

March 9th, 2016 at 07:55 am

i just did the work to get my monthly rebate from my citi rewards card. It will be for $115 but I won't actually add it to the $20 challenge until I get the check.
My husband can't understand why I get excited about getting money back on my credit cards, but I love it!
I always pay the balance in full, so I never pay any interest, ever! When I do use the card, like for groceries or prescriptions, I immediately put the cash money in an envelope so I always have the cash to pay the bill when it comes due, so I feel like I am being very responsible.

News from the doctor

March 7th, 2016 at 01:07 pm

I went to the doctor on Thursday afternoon. My left foot has been hurting me for over 2 months now. It is finally gotten so bad that I can not wear a shoe or even a mocassin on it. I am having to wear BIG slippers that flop all over.
He said that my foot had an infection and that is could be a sign that I have diabetes. So, they did blood tests.
I got the results this afternoon. My blood sugar is 118, but they do not think I have diabetes. While my foot still hurts like heck (they gave me pills, but no results yet), I am so happy that it was not diabetes. (I am keeping my lucky dime in my pocket all the time.) Thanks for your thoughts!

Melrose check came

March 4th, 2016 at 02:17 pm

My check for the certificate of deposit that matured, finally arrived today. I was getting worried about it. I also received interest of $1060.00 which will be added to the $20 challenge.
The c.d. was for 2.9% interest. I took the c.d. out 5 years ago, hoping I was not making a mistake by typing the money up that long. As it turned out, I have not found a higher interest rate in 5 years.
I need to put it back in a c.d., but would like to go for a shorter term, due to my age. I have been looking around, but the only good rate that I found at Navy Federal credit union has closed. I will just keep looking.

Prev. total $3409.00
today 1060.00
new total $4469.00

A lucky dime?

March 4th, 2016 at 10:43 am

i went to the dollar store a few minutes ago to buy a notebook. When I got out of the car, I found a dime in the parking lot. I am carrying it around in my pocket and hoping it is a lucky dime.
My c.d. at Melrose credit union matured on Feb. 28th. They say that they mailed a check that day, but I have yet to receive it. If it doesn't come today, something is wrong. Hoping that dime is lucky for me!
Also, I went to the doctor yesterday. There might be something seriously wrong. I will find out Monday. Hope the dime is doubly lucky for me!

advantage savings

March 3rd, 2016 at 09:15 am

I did my grocery shopping yesterday. Using my advantage card (Ingles), I saved $14 which I will add to the $20 challenge.

Prev. total $3386.00
today 14.00
new total $3400.00

Februrary Interest

March 2nd, 2016 at 11:50 am

I received the following interest in February:

My savings direct $ 7.75
My savings direct-Wright 21.41
Barclay 10.78
GE Bank 72.20

A total of $112.00 added to the $20 challenge:

Prev. total $3274.00
today 112.00
new total $3286.00

The MAWW account

February 25th, 2016 at 09:24 am

A Few months ago, (October), I established what I call, the MAWW account. This is where I track "money accumulated without working" or MAWW.
This is what my MAWW account looks like for January:

Builderway rebate $ 17.00
Citi card rebate 123.00
mortgage interest 897.00
Chase card rebate 39.00
stock dividends 65.00
s/s check 529.00
MSD interest 47.00
GE bank interest 13.00
Barclay bank int. 8.00
navy c.u. int. 54.00

Jan. total $1795.00

Of course, I save this every month and add it to a new savings account that I opened in July. That is called my Wright account.
Since July, my "Wright" account has grown from zero to $27,524.00.

$1.25 per gallon

February 24th, 2016 at 10:07 am

That is what I paid per gallon of gas this morning. Gas is selling at Ingles for $1.45 per gallon, but with my advantage card, I got 20 cents a gallon off, for a total price of $1.25 per gallon.
Do you know what most people do with the money that they are now saving on gas. (According to a news show I watched, they are using the money to eat out more. What a shame.) They should add it to their savings.

Dollar store

February 21st, 2016 at 10:16 am

Last year, a new dollare General store was built just right down the road from me.
I don't know if you like dollar stores or not, but I am finding this one so handy.
First of all, I hate paying $5 for a birthday card and they have them for 50 cents or $1. Most people just throw their cards away after a few days and it seems like a waste of money.
For valentine's day, my husband bought me an expensive chocolate bar costing $4. (Sort of like a hershey's candy bar.) I find that the dollar general own brand of chocolate bar is just as good. (and all proceeds go to charity)
I am sometimes amazed at how much cheaper I can often find things at the dollar store.
I just got back from buying a birthday card for a little girl. I noticed that Miracle Whip was $3.50. I had planned to pick some up this week and noticed that it is $6 at the grocery store.
When I really need something, I often try the dollar store!

Had our closing today!!

February 19th, 2016 at 02:03 pm

I am super surprised, we had our closing today. The couple buying the home could not come to the closing, so they handled it all by overnight UPS. She called yesterday to say they had received the paperwork and the attorney called this morning to see if we wanted to close today. Of course, I said yes!
We went to the attorney's office, signed a few papers and picked up our check! On to the next house! (p.s. this is a spec house and now we will start another one. My husband does most of the work by himself)

A blind date changed my life

February 18th, 2016 at 06:32 am

I had never gone on a blind date. I had recently moved out of my house and was going thru a divorce, when a friend from another town, called me. Her son had a best friend, who had a single, older brother.
She wanted to set me up on a blind date.
So I went. I met him at her house. He took me out that night. We went dancing. When we got back, we spent all night, sitting on the floor in her living room, just talking.
He had to be at work at 6 a.m. the next morning, so he never got to go home and get any sleep. I invited him to go to a party the following night. (It was a Jr. Woman's club party and I was president of the club.)
He declined and I felt very sad.
The next afternoon, after getting some sleep (and taking my phone off the hook) my girlfriend called.
My blind date had been trying to get hold of me all day and wanted to take me to the party. (As it turns out, he had another date and had to break it first.)

He showed up at my house, all dressed up and we went to the party and had a great time! We spent every evening together after that. Some of you may not believe in love at first sight, but I know it can happen. It happened to me. 39 years ago today.

We have been together ever since then, Feb. 18th, 1977.

Citi rewards check

February 17th, 2016 at 06:40 am

I reeived a check from my citi charge card yesterday (rewards check) for $140. Of course, I have already paid off the total amount in full. Most of the charges were materials for the house we are building. I will add that to the $20 challenge.

Prev. total $3041.00
today 140.00
new total $3181.00

Happy Valentine's day!

February 14th, 2016 at 10:17 am

I woke up this morning to find a hallmark card, a valentine cake, a bag of hershey kisses and a chocolate bar waiting for me on the kitchen table.
I tell my husband every year, not to get me anything.What do you do about a husband like that?
I get especially annoyed about the cost of the card. It was $6 and I feel like it is a waste of money.

What did I give him? Old cheapskate me, I gave him last year's card. (again)

Bank visits

February 11th, 2016 at 01:26 pm

I visited 3 local banks today to find out the interest rates on savings products, money markets and c.d.'s. Even tho I want to keep some money here locally, none of the banks come close to the rates that you can get using an online bank.
I got a good deal at Navy Federal credit union, but that deal went away in Jan. I guess I will just keep looking for specials online. (Navy had a 2.5 c.d. for 30 months.) If you see anything good, let me know!