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Archive for January, 2006

$20-$5000 challenge

January 31st, 2006 at 09:59 am

Did not find anyways of saving money on our trip, except for eating out cheaply which was no fun.
I did arrive home and received an unplanned check for $110.00.
That makes my challenge total $2661.00. Pretty good for one month. I don't expect that for February. The big check I got was a once a year event! It has been a good month!!

4 days of fast food.

January 31st, 2006 at 09:10 am

Boy I am glad to be home. We left early Friday morning determined to get to central Fla. before dark. That meant we had to eat our meals in the car.
We had Mcdonald's for breakfast and Wendy's for lunch.
We got in and were informed they had already had dinner. There is only one place to eat in the entrire town, McDonalds so we ate peanuts and candy for supper.
The next morning we were informed that they only eat one kind of cereal for breakfast, so we went to McDonalds.
We were told not to eat lunch, they were taking us out to a fancy place for dinner, but we cheated and Went to Wendy's for a few chicken nuggest.
Dinner was good but I am not used to eating at 4:30, we usually eat after 8 pm.
Breakfast the next morning was runny eggs which I cannot stand, so I ate more candy.
We went to the store for something for lunch and by then, I did not feel so good. For the first time in over 2 years, I bought an egg custard pie and 3 chocolate iced donuts. I had the pie for lunch.
We went to an anniversary party that afternoon and I ate cake.
When we got home at 5pm. we were informed that they were not hungry, they were eating ice cream bars for dinner.
So I had more pie and candy for dinner. Back in the car to come home, we stopped at Mcdonald's for breakfast and Krystal for lunch and ate while driving.
We both gained weight. I have not eaten so badly in all my life.
On top of that, we spent most of our time sitting in a house that was 85 degrees with the heat running.
It was 75 outside and we wore shorts.

It is true, there is no place like home, especially when you can control the food and the heat.

I started out tracking our money each day, but fell behind, but we spent about $200, most of that was for gas. I am looking forward to getting back to my financial challenge.

I did set the heat down to 50 when I left, so I know I saved a little money on heating the house for 4 days!! Time to look forward to the month of february!!!

More Advantage Card Savings

January 31st, 2006 at 12:00 am

Just got back from Ingles, they had a great deal on sprite. I only spent about $16 but with my advantage card and a coupon, I saved $9.76. so I am addding $10 to my challenge money.

Previous $2661.00
Add 10.00
new tot. $2671.00

Check In The Mail

January 31st, 2006 at 12:00 am

Well I am back!! I sent a bill out for a small repair (floor) job that my husband did ages ago. I had forgetten it, but a check was sitting in my mail when I got home. It was for $110 so I will save it and add to my challenge money.

prev. bal. $2551.00
Today 110.00
New tot. $2661.00

Wearing shorts

January 29th, 2006 at 05:38 am

Sitting here in Florida, wearing shorts for the first time in months. Haven't spent too much money on this trip, we are staying at my FIL's duplex and it is pretty nice. We have eaten every meal out, so it has been pretty much fast food for the last two days. This town is so small there are two places to eat, McDonald's and Pizza Hut. (I don't like pizza) I have probably spent less than $100 on this trip and most of that has been for gasoline. I paid $2.59 a gallon yesterday for premium. I will be glad to get back home and back to the challenge. Can't save money when on a trip. We are going home tomorrow.

Packing for florida

January 26th, 2006 at 02:35 pm

We are getting ready for a trip to fla., one that I am dreading. It is a 12 hour drive, we will stay two days and drive another 12 hours back.
It is to go and visit my in laws who are in their 80's so we will most sit and sweat because they keep their heat on 90 degrees.
Today I packed and ran errands. I went to the grocery store so I would have a few things on hand when we got home on Monday night. With my Advantage card, I saved $4.04 so that brings my challenge amount to $2551.00
I don't think I will have any money saving days the next 4 days. I have agreed to stay there for 3 nights, rather than a motel like I prefer. So, in a way, I am saving money, but I am not too happy about it. I don't like staying with people at all, but it is hard to find a local motel that will take a small dog. I never travel without her.

Advantage Card

January 26th, 2006 at 12:00 am

Did some grocery shopping before we leave for fla. tomorrow. With my advantage card, I saved $4.04.

Prev. total $2546.96
today 4.04
New total $2551.00

I hit the jackpot!!

January 25th, 2006 at 12:54 pm

Wow! I had a talk with the building supply place my husband does business with, about 2 weeks ago. I asked if we could get a rebate check once a year for all of his purchases.
They agreed to talk it over and let me know.
Today I got a call to pick up my check, it was for $1760.13.

So My challenge total now stands at $2546.96. I have impressed myself!!

$5000 challenge

January 25th, 2006 at 09:11 am

I think I will keep my $20 to $5000 challenge on this blog, also. I started with $20 on Jan. 1st and as of yesterday, Jan 24th, my total is $786.23.

I am saving all my changes. Anytime I get grocery store savings using my advantage card, I take that cash and put it with my savings. I use the budget envelope method and if I over budget, I take that money out and add to my challenge money.

I have sold a few things and plan to have a garage sale when it gets warmer.
If my husband takes on an extra "fix it job" I count that because he does not do that often and it is just extra money.

I have debated if I should count interest that I receive on my checking and savings account? Your feedback would be welcome!

My first blog

January 25th, 2006 at 07:08 am

Well I have never done a blog before. Not even sure what that is?? I am brand new to computers and at my age, I don't learn real quickly. I should take computer lessons. thanks to Jeffrey for helping me out!
Today should be a no spending day except for dinner out. We spent about $18 for dinner out and I really did not enjoy it so much because we had a guy sit with us most of our meal. He does that about once a week. I can't be rude cause he wants us to build his new house, but he has been talking about this for over a year.
We are going to Florida on Friday, so we should be spending quite a bit this week, plus my husband can't seem to get this house started, so we are going to have to draw money out of savings. I hate doing that, it will be the first time in ages that I have done that.

Home Depot Score

January 25th, 2006 at 12:00 am

Well it has been a good day. About 2 weeks ago, i went and talked to the office manager where my husband buys all his building supplies and has for over 20 years. I mentioned that now we have a home depot, that sends us 10% off coupons 5 or 6 times a year and we stock up on stuff we use in the homes he builds.

I mentioned that he is staying pretty loyal to this building material company and still buying most of his materials there. I asked shouldn't we get a rebate for spending so much money there every year.

She said she would take it up with the owners!!

Today she called and said she had a check for me! It was for $1760.13 for last year's purchases!! Again, I am doing the dance of JOY!!

Prev. total $786,83
Today $1760.13
new total $2546.96

Sunny day

January 24th, 2006 at 11:05 am

It is a beautiful day today, so I made my "liquor run" to Murphy, N.C. We live in a "dry" area, you can't even buy beer. The funny thing is you can buy liquor and wine in Murphy, but you can't buy beer! You have to go to a different county for that.
Oh well, my husband is feeling better. He is coming home early and we are going to go meet some people who are interested in building a house.
Dinner was pretty cheap last night. Even tho we ate out, we only spent $10. all dh wanted was chicken soup.Then, I spent $1.93 at the grocery store buying TP and a notebook. I keep a notebook for every job my husband takes and he took a new house to build last night.
I am very please with my $20 challenge and I have build my total from $20 to $786.83 in just 24 days. I got $611.13 in interest credited to my checking account yesterday. I was going to count that because when this 1st house (our spec) gets started, we will use the money that is drawing interest, and there won't be much interest paid on this checking acct.
It is a money market acct. and I can only do 3 checks a month, plus I have to keep a high balance. Once the balance goes down, I will lose the high rate it pays.
What do you think?
Should I use the interest I get every month in my checking and add it to me challenge money?
I am not going to count the interest in my savings.

I will do what you all think! I don't want to look like I am cheating.

Is anyone counting the interest in accounts that they already have?

Another Coupon

January 24th, 2006 at 12:00 am

Another $2.00 coupon. Plus I paid my end of the month bills and had overbudged $20 in on catagory, so I will add $22 to my challenge money.

Prev. total $764.83
Today 22.00
New total $786.83

Doctor visit

January 23rd, 2006 at 01:31 pm

My hubby felt no better, so headed to the dr. this morning.(He will work you in) Spent $45 there and got $67 worth of prescriptions. He went to work for a few hours but came home early and is laying down now. So, that has been an expensive day because he works for himself, by the hour. No work-no pay!!
I cashed the paycheck today but did not spend anything except for my tp stockpile. Going to use that $2 coupon everytime I am near the store.
We are going to leave for fla. on Friday, I am dreading it cause it is a long 12 hour drive and I hate Florida.
We are going to visit my dh father who is 85. This is going to be an expensive week with a trip to Florida and about 5 days of lost pay when we go.Oh well, at least we have the money.
It as rained all day so I did not visit the consignment shop like I wanted to. I felt very guilty getting my nice clean car all dirty in the rain.

Coupon

January 23rd, 2006 at 12:00 am

Well I used my $2 off coupon again today, so I will add that to my total. I am also adding to my hoard of toilet paper.

Prev. $762.83
today 2.00
new tot$764.83

sick husband

January 22nd, 2006 at 12:05 pm

My husband never sits around watching tv in the daytime, so I know he is really feeling sick today.I worked on cleaning out a closet and checked on the consignment place. They say to call first for an appointment. Then we rode to Home Depot and I took back a large recessed bulb. My husband buys them in packs and says there is always one or two that don't work. Those bulbs are $3.33 each and too expensive to just throw away like he has been doing. I got a new one instead.
Had a coupon to take $2 off the toilet paper, so stopped there then went to drug store for throat drops. I can tell this is going to be a long day. Plus I have to cook supper tonight too. At least we had a dinner by ourselves out last night. That is always nice. I told my husband I was going to print up a sign that say, "If you are going to sit with us, you have to pay for our meal"!! Think that will work?? (Of course he told me not too and I won't but I can wish, can't I)
I also cleaned out his van and came up with over $10 in change for my change jar, so I feel like I have had a productive day, money wise.

Envelope Method

January 22nd, 2006 at 12:00 am

I guess I have used the envelope method for so long (40 years) that I never think about using the money I put away. I have never been a coupon person,cause we don't get a newspaper, so I rarely have coupons, but I am watching out for them now. I did have a store coupon for $2 off of toilet paper (regular price $2.88) so I went and got that today. The nice thing is, when you self check out, nothing takes your coupon, so I can use it again til it expires. I also took back a recessed light bulb that did not work and got a new one. Hey those durn things cost $3.33 each and my husband has been throwing away the ones that don't work (brand new)!

Prev. Total $760.83
Today 2.00
New total $762.83

Change From Van

January 22nd, 2006 at 12:00 am

Well I have not added any money to my challange today, but I did go and check out my husbands van. He said he didn't think he had much change cause he does not go to fast food places anymore, but I found $10.60 in change that I can add to my change jar.

Total: still at $760.33