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Archive for January, 2008

throw away mail!

January 18th, 2008 at 07:10 am

Don't you hate when all of your mail goes directly to the garbage can? That is the way my mail has been the last two days.
I get lots of catalogs and lots of offers for credit cards. They all go into the trash!
Remember when we use to write letters? Those days are long gone.
Oh well, maybe I will get a bill today? Or a check?? I prefer checks!!!!!

Dinner out!

January 18th, 2008 at 07:07 am

It was so nice to go out and eat last night after staying home for 2 nights in a row.
Then we went and filled my car with gas. I can't believe that it took $40 to fill it, but at $3.32 a gallon, it is no surprise!
We are expecting snow again tonight, so we may be snowed in this weekend.
I know people enjoy snow, but my dh does not get paid when he does not work. Plus, he hates staying home unless he has something to do!!
Guess I had better prepare to cook this weekend!

The best ways to lower your electric bill.

January 17th, 2008 at 01:19 pm

The best ways to lower your electric bill is to read your meter daily.
Write it down and keep track of how many kilowatts you use each day.
Walk thru the house and turn everything off. Get in the habit of having nothing running unless you are in the room.
No tv, lights, etc., on in an extra room.
If the plug feels warm, it is using power.
My best advice is with your electric hot water heater. Turn it off at the fuse box. Only turn it on about 20 minutes before you need it for a shower or to run the dish washer!!

Take what you save on your electric bill and add it to your $20 challenge each month. That is what I do!!

Grocery shopping early.

January 17th, 2008 at 01:06 pm

I usually grocery shop on the weekends, but they are calling for snow again on Saturday, so I figured I would go today instead.
I had a coupon for some free pudding which was worth $2.78, but I am not going to count that in my challenge money because I would not have bought the pudding if I didn't get it for free.
I used a coupon and my advantage card for a savings of $4, so I will add that.
Prev. total $1087.00
today 4.00
new total $1091.00

Dinner at home

January 17th, 2008 at 10:36 am

Last night, I cooked!! They had called for snow, so I was ready. I made comfort foods, meatloaf and mashed potatoes.
We spend about $20 when we go out for dinner cause we brown bag our drinks. So, I am adding that $20 to my challenge money.
Prev. total $1067.00
today 20.00
new total $1087.00

snowed in!!

January 17th, 2008 at 07:53 am

The snow started about 6 pm last night and we got an inch or so fairly quickly. The good news is, we did not get the sleet and ice they predicted, so the power did NOT go out.
DH was happy as a hog watching the old cars on Barrett Jackson auction and I caught up on reading some magazines.

I finished Jan. issue of money and saw that savingadvice.com was mentioned in there. Since I post so much, I told dh that that made me kind of famous. (lol)

Dinner at home!!

January 16th, 2008 at 12:39 pm

Most of you know that dh and I eat dinner out, almost every night except Sunday. It is just our form of entertainment!

Last night, he wanted to watch the Barrett Jackson auction, so we went to KFC and got a bucket of chicken. I had a coupon, so we got 10 pieces for $10. I made some rice and we had a nice dinner, with enough left overs for a couple of lunches.

Since I usually spend about $20 for dinner out and this time I spent $10, I will add the other $10 to my challenge money!!

Prev. total $1057.00
today 10.00
new total $1067.00

liquor run!

January 16th, 2008 at 10:36 am

opps, forgot to mention that I also made a liquor run before the big snow hits! I have to drive to North Carolina in order to buy liquor.
I always thought that by now this are would have allowed liquor sales, but I have been here almost 24 years and it has not happened!
Ok, we should be all set for the storm. I even stocked up on my favorite Hood low carb chocolate milk! Yum! I have cake and chocolate milk!!

Stocking up!

January 16th, 2008 at 10:33 am

They are calling for snow and ice to hit us sometime tonight, so like everyone else in my county, I went to the store to stock up on a few things.
We will stay home and cook dinner in tonight, so we won't be out, stuck , somewhere. That thrills my husband, so he can watch the Barrett Jackson auction again tonight!
So, I got some hamburger, a roast, milk, potatoes, and a cake to comfort me if I am snowed in.
I also picked up some prilosec because dh is almost out and has to take it daily.
I had a coupon for $4 off the prilosec and I saved another $4 using my advantage card.
That is $8 more to add to the challenge.
Prev. total $1049.00
today 8.00
new total $1057.00

OMG, not another car!

January 15th, 2008 at 05:41 pm

Dh called his father tonight. We are still trying to see if we can get his name off of a loan that his brother made to fix the roof on FIL's house. We are told it is off, but we have no proof on that.
In the meantime, FIL says he is going to list his old car for sale.
Obviously, my dh got his love of cars from somewhere. My FIL was working on restoring a packard for over 30 years. He finally got to old to work on it and gave up.
He bought himself a 1941 packard back about 25 years ago.
He has decided to sell it. Guess who wants to buy it? You got it, DH!!
OMG, we practically have a recession and we are thinking about car #6!!
Good thing I really love this man and he works so hard!!

Dow is down!

January 15th, 2008 at 01:31 pm

The stock market took another big dive today. I don't see how anybody's net worth is going to go up this month unless something happens.
The stock market did go up yesterday and I had a no spend day, so I have $2 to add to the challenge.
Prev. total 1047.00
today 2.00
new total $ 1049.00

Do birds eat more when it's cold??

January 15th, 2008 at 12:22 pm

Do birds eat more in cold weather. I filled up the feeders at noon yesterday and they are already empty. And we have 4 BIG ones!! My dh is going to have to get an extra job just to feed the birds!!

Don't forget!!

January 15th, 2008 at 12:15 pm

Today is the day to pay your estimated income tax, Jan. 15th. I just got back from mailing mine to Uncle Sam!!

Transferred $11,000

January 15th, 2008 at 07:44 am

I opened up a new account at Umbrellabank a few weeks ago with the minimum to earn 5%, which was $1000. Yesterday, I sent an extra $11,000 to the on line bank. I am a little leery of banking with a bank that is online only and so is dh.
I really sure put a large sum of money in there to earn the higher interest rate, but I will probably do it just a little bit at a time for now.
I am worried that I will transfer a lot into the bank, and then they will lower the rate, like ING did.
Does anyone bank with Umbrellabank??

Challenge money

January 15th, 2008 at 06:53 am

Pennywise asked where did people keep their challenge money. I have a cash box that I have had for years and years. Every time I get any cash or check for the challenge, I put the cash/checks in there, plus I keep track of the running total on a notepad I keep right by the computer. Once a month, or more, I deposit this money into my money market local account, now paying 4.1%. So far, I have not added on the interest it is making, but I think maybe this year I will. Even tho it is not in a separate account, it is pretty easy to figure out how much interest it earns each month. Just take the total times .041% and divide by 12. I think I will start doing that at the end of this month.

Stock Market woes!

January 15th, 2008 at 06:32 am

The stock market has been open for about 2 minutes. It is already down 140 points. Do you think this will be a bad year for the market. Citi is really down today. Let's see what happens!

Staying home tonight!!

January 15th, 2008 at 06:30 am

WE will be staying home tonight. Have you heard of the Barrett Jackson auction? Well, we will be watching that and my husband will be drooling over all the fancy cars!

Baby , it's cold outside

January 15th, 2008 at 06:28 am

They are predicting snow for Thursday. I hope they are wrong!

No spender!!

January 14th, 2008 at 08:24 am

Today will be a no spend day for sure! The "girls" are all coming over this afternoon to play bridge. It is amazing how much fun it is to play bridge. I would do it every day if I could, and it costs nothing!!
We do have a few snacks which I buy in advance on sale if possible. The gals all drink water or bring their own drinks, since I never drink coffee or tea. I do have to warm the house a bit, can't freeze them to death!!

Grrs and errs

January 14th, 2008 at 06:47 am

Hubby came back home this morning after leaving for work. Something wrong with the brakes on his van. We have had such an expensive time since October. I was hoping all the extra expenses would go away for a few months so we could catch up. It is not to be.

He took the new vette for his work vehicle today! At least it will class up the job, at the house he is building!