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Archive for May, 2010: Ima Saver's Personal Finance Blog
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Archive for May, 2010

Happy Memorial Day!

May 30th, 2010 at 09:09 pm

Today is Memorial Day, the 30th day of May! I honor the memory of my father, who served in both WWI and WWII.
I paid my end of the month bills today and had $100 left over in my electric envelope which I will add to my challenge money. I am sure the electric bill will go up next month and we start running the a/c!
Prev. total $9749.00
today 100.00
new total $9849.00

Posted in $20 Challenge | 1 Comments »

Money for the challenge

May 28th, 2010 at 09:42 pm

I did my grocery shopping this week and really stocked up on sprite while it is on sale. According to my advantage card, I saved $12 buying food on sale. I also had 2 no use gas days in a row($4) plus the braves won 2 games ($2), so a total of $18 will be going into my $20 challenge.
Prev. total $9731.00
today 18.00
new total $9749.00

Posted in $20 Challenge | 0 Comments »

In the ghetto!

May 26th, 2010 at 08:45 pm

With my new car, I got free On star for a year. I also got XM free radio for 3 months. I can listen to the all elvis station that is located at Graceland. On my way home today, I heard Elvis sing, "In the ghetto" with a female. I have never heard him do a duet before.

I love google. I don't know how to use the computer very well, but I do use google a lot. So I google the song to find out who was singing with elvis. Do you all know who is was??

Well, it was Lisa Marie, his daughter. And she did the song in honor of the his death, 30 years earlier. She has a beautiful voice! I even found a video showing the both of them singing the song, seperately, of course.

I got my usual end of the month check for $486 today plus a $3 pinecone check. I will add that to my $20 challenge money.

Prev. total $9242.00
today 489.00
new total $9731.00

Posted in $20 Challenge | 5 Comments »

Personal loan!

May 23rd, 2010 at 09:25 pm

This week, I made a personal loan to a couple that we have known for almost 10 years. As a matter of fact, we built their home.
They called us about buying a piece of property that they own, but we really were not interested. The property is designed for a high end home and if and when we build a spec house again, it will be a small house.

They wanted to sell, so they could buy another piece of property, so I offered to be their "banker" I loaned the money to them at 4% interest, which is double what I can get at the bank. It is a good deal for them too, cause they can't get a 4% loan at the bank.

The couple is retired and I don't know what his pension is, but he once told me that he gets six figures! That is more than we make. Plus he gets about the top social security. So I am not too worried about them making the payments.

Since this is a new source of monthly income, I am going to start adding the interest only, to my $20 challenge next month.

The braves won 5 games in a row, so I am adding that to the challenge today.
Prev. total $9237.00
today 5.00
new total $9242.00

Posted in $20 Challenge | 4 Comments »

What a game!

May 21st, 2010 at 03:37 pm

I turned on the braves game yesterday. The pitcher had been having a bad day, obviously. The Braves were in the bottom of the 2nd inning and they were already losing 8-0!!
I decided I did not want to watch the game, but I turned it on later to find out the final score. I got the tv on just in time to watch a replay of a new player hitting a grand slam home run.
It turns out the score in the bottom of the ninth was Braves 3, Reds 9.
The braves scored 7 runs in the 9th inning and won the game 10-9!! Wish I had watched the 9th inning.

I have made 2 personal loans in the past month to a couple that we know. I am going to start adding the interest that they pay me to my $20 challenge. So yesterday, I got a check for $25 interest, 3 braves have won 3 games in a row and I had a no use gas day, so I have $30 to add to the challenge today.

Prev. total $9207.00
today 30.00
new total $9237.00

Posted in $20 Challenge | 0 Comments »

Bear!

May 18th, 2010 at 09:06 pm

We have a lot of critters in our yard. We live on 2 acres on a large creek. My husband built deer feeders and we keep them filled with corn. The squirrels love the corn, so does our local groundhog. This spring we have gotten wild turkey and a pair of mallard ducks that come at least once a day.
We usually sit outside in the evening and watch all of these critters with our two dogs, Holly and Molly.
Last night was a bit cool, so we sat inside. I am sure glad we did.

I looked out to see a bear at the feeder, eating away. He even laid down while he was eating.
When we got up this morning, we discovered he had come back and completely smashed up our bird feeders. These were the squirrel proof feeders that cost about $65 each.

I hope he does not decide to go and visit up every night! We will take in the new feeders and I guess we will have to skip the corn for a few nights. It is scary to think that I had a bear about10 feet away from my bedroom door last night. (door goes out onto the deck)

Posted in Uncategorized | 6 Comments »

First car payment

May 17th, 2010 at 09:09 pm

I made the first car payment on my new car last month. One other time, I tried to pay my new car off early by adding extra to the principal each month. That only confused the finance company (or bank, I forget which) and they showed me as paid ahead. So, I quite doing that and just paid myself and kept track of it on paper.
This new car is financed with Bank of america. Last month, the statement had a place for extra principal, so I filled it out and sent an extra $1000/
I just got this month's statement and the entire $1000 was credited to the principal. I am going to do this every month so that I can get the car paid off early!
I did my grocery shopping this morning and saved $4 using my Ingles card and the braves won yesterday. That is $5 to add to the challenge.
Prev. total $9202.00
today 5.00
new total $9207.00

Posted in $20 Challenge | 0 Comments »

Staying home tonight!

May 15th, 2010 at 09:44 pm

Gosh, it is funny, I use to eat out all the time, now I feel funny about eating out two nights in a row. We went out on Thursday cause it was our anniversary.
Then some good friends called and asked us to meet them for dinner last night. She had had surgery 10 days ago and was going stir crazy in the house. They invited us to go and listen to a band tonight, but I think we are stay home tonight. We have a ton of leftovers and things from the two restaurant meals. Plus, I just don't want to spend any more money this weekend!

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$2.59 for a glass of milk????

May 14th, 2010 at 09:01 pm

We went out to dinner for our anniversary last night. I never look at drink prices because we always brown bag it. If not, then we just drink water. I happened to look on the menu and noticed that a glass of milk was $2.59!! Can that be right??

Growing up in my home, I drank a lot of milk as a kid. A coke or something like it, was just not allowed. You drank milk or you drank water. An orange crush was a big treat you got when on a trip.

So, I grew up liking milk and I drank a lot of it. I still like milk but I don't buy it very often.
I can see that if you have kids, you wouldn't want to take them out for dinner and have them drink milk. It is way too expensive and that is a shame. I think our nation drinks way way too much soda!
I never got addicted to it like some people cause my mother just never bought soda! I guess that soda is cheaper now than milk!

I got a pinecone check in the mail, so that is another $2 to add to the challenge.
Prev. total $9199.00
today 3.00
new total $9202.00

opps, I meant to say $3 to the challenge!

Posted in $20 Challenge | 5 Comments »

33 years ago today

May 13th, 2010 at 05:22 pm

I got married to one of the most talented men on earth. I went to an elvis concert on February 15, 1977 and just three days later, one of my good friends set me up on a blind date! It was my dh! Less than 2 months later, we were married; May 13, 1977.
It was a Friday the 13th, but it has been good luck ever since.

The braves won 3 games in a row (but are still in last place) and the stock market went up yesterday. That is $4 to add to the challenge.
Prev. total $9195.00
today 4.00
new total $9199.00

Posted in $20 Challenge | 5 Comments »

activated Onstar

May 12th, 2010 at 07:57 pm

I got a free year of Onstar in my new corvette. We had it in the yellow vette, but never used it. However, this one comes with a handsfree way to make and receive phone calls. (Maybe the yellow one does too??)
The phone call feature is only good for 2 months, after that you have to pay for the minutes. Since I don't carry or use a cell phone, I thought it might be a good idea to activate my account and add some phone minutes to the account. So, for $15 and tax, I added 100 minutes to my account. That will be good for an entire year.
Now, if the car ever breaks down or I have an emergency, I can make phone calls. I think it was $15 well spent!

Posted in Uncategorized | 1 Comments »

I had to turn on the heat.

May 11th, 2010 at 06:59 pm

I had to turn on the heat today. It has been cool the past two days. I had the a/c on for the past week, but today, the doggies were shivering. So, I turned on the heat and got the heating pad out for the older dog to sleep on. I don't have one for the puppy, cause, well, she is a puppy and might chew on the wires.
I took her to get groomed today and she looks so pretty and cute! However, her shorter hair will make her feel even cooler.
I finally had the nerve to see what my mutual funds had done during the big fall in the stock market last Thursday. I lost about $20,000 in my mutual funds in one day. I checked again today after yesterday's good rise in the market and had gained back about $11,000.
I have given up on the braves, nuff said!
The market went up yesterday and I used a coupon for $2 off to buy hair color, so I am adding $3 to the challenge.
Prev. total $9192.00
today 3.00
new total $9195.00

Posted in $20 Challenge | 3 Comments »

I have never had a ticket

May 10th, 2010 at 03:44 pm

I have been driving for a long time and I have never gotten a ticket.
My mother started teaching me how to drive when I was 12 years old. When she was young, women did not learn how to drive. When I got married the first time, my MIL and both of my husband's aunts, had never learned how to drive. I had to take them grocery shopping all the time.

By the time I was 14, I got my learner's permit. We use to drive from Florida to Virginia to visit my aunt, and my mother let me drive most of the way.

Back then, the speed limit was either 50 or 55, but the speed limit for trucks and semi's was only 45; so when you got behind one of them, you were stuck going 45. So, I never really drove very fast, plus we had no interstates back then. To the day, I will not drive on an interstate, if at all possible.

By the time I was 16 and got my driver's license, I had had 4 years practice and was a pretty good driver. I wish more young people had experience before they were allowed to drive.

Now, I have been driving for over 50 years and I have never had a ticket. I have never caused an accident.

It's funny, cause dh and I have almost always owned a corvette. He drove a 280Z when I met him and I had a triump spitfire. We both liked sporty cars.
After we got married, we decided we both just loved corvettes, so we traded in his car for a new corvette. That was in 1978.

This car was one of only 16 made that year that came into the dealership in primer only. The owner of the dealership had it painted a tu tone blue. (not a corvette color) We bought it new and still have it.
Of course, we also now have a yellow corvette and a brand new red corvette.
People ask me how fast it will go and I tell them, 50 miles per hour. That is about how fast I will drive. I guess that is why I have never gotten a ticket. Heck, I am not in a hurry to go anywhere. When you have a corvette, you just enjoy the drive.

Posted in Uncategorized | 3 Comments »

Happy Mother's day!!

May 9th, 2010 at 04:15 pm

Hope you have someone in your family that you can celebrate the day with. I lost both my grandmothers before I turned 12, lost my mother when I was 33 and all of my 4 aunts died a long time ago. Even my MIl died a long time ago, so I really don't celebrate this day.
But I do wish all of you a very happy mother's day!

Posted in Uncategorized | 2 Comments »

New cards

May 8th, 2010 at 03:54 pm

I notice that many of the stores are now offering new store cards. I always use my Ingles card a lot. The other day, I got a new CVS card in the mail. Today at Rite Aid, I got a new card to use when something is on sale. However, they did away with 10% off Tuesdays for senior citizens. I will miss that. It was 20% the first Tuesday of every month too.
Bi Lo has a lady just working exclusively, signing people up for their new card. It will not only be used for sale items, but will means cents off at the pump at a nearby BP station. Since that is the only gas station we use for gas for the vettes, that will be handy.

Neither the stock market or the braves are doing anything to talk about, so i will just add the 4 one dollar bills I have in my wallet to the challenge.
Prev. total $9188.00
today 4.00
new total $9192.00

Posted in $20 Challenge | 2 Comments »

Even the rich get foreclosed on

May 7th, 2010 at 08:11 pm

I was reading Money magazine yesterday. Nicholas Cage, despite the millions he makes on each movie, has lost two of his houses due to foreclosure. It is amazing how many rich actors and athletes do not have a clue on how to handle their money. I would be darned, if I made millions (or even one million), it I would let someone else handle it for me!

Posted in Uncategorized | 1 Comments »

Foreclosures

May 6th, 2010 at 12:36 pm

Even a year and a half later, our little paper is still full of foreclosure notices. I live in a small country town, and I am amazed at how many names I recognize in these notices.
Yesterday, a friend of mine was listed as a new foreclosure. I would never dream in a million years, that this couple would be foreclosed on.
They are both college graduates, own their own business, dine out all the time, go on lots of vacations and stay in 5 star resorts. They live (or did) the good life.
I am so sorry to see so many families suffering.

I have 4 one dollar bills to add to my challenge money.
Prev. total $9184.00
today 4.00
new total $9188.00

Posted in $20 Challenge | 3 Comments »

Turned on the A/C

May 4th, 2010 at 09:51 pm

Well, I had to turn on the A/C last night. It seems like we had a long, hard, cold winter for the past 7 months and now it is turning hot! It doesn't help that we have no screens on our windows. My dh does not like screens.
My frugal thing for today was to go and buy some steaks at Bi Lo! They were on sale and I saved $5 to put in the challenge pot!
Prev. total $9179.00
today 5.00
new total $9184.00

Posted in $20 Challenge | 2 Comments »

A nice dinner out!

May 3rd, 2010 at 09:41 pm

WE had a very nice dinner out last night. I had not seen my granddaughters in quite a while. Gosh, they have gotten so tall, much taller than I am. I am sure they have quit growing. They are 21 and 19. We got to meet the boyfriends and they were both very nice. Nothing (that I could see) was pierced, thank goodness, but one of them did have a tattoo on his arm. That does not bother me at all. Just so long as the tattoo is not on me!
For 6 people, including 4 under the age of 22 who really like to eat, I thought the bill was great!
It was only $62 plus $5 tax. I did leave a $15 tip because I believe in tipping well. (I use to work as a waitress)

My dh is working around the house today. He has taken off all the brass door locks and polished them so they look like new again. Then we ran to home depot to get some new kick plates (brass too) to put on the 2 front double doors. So, we spent $44 on those. However, by not replacing those tarnished door locks, but cleaning them up instead, we saved around $400 per lock. We have top of the line Anderson doors and windows and the locks are not cheap! He will polish up the old kick plates when he has time and we can use them again.

The house is really looking good!

Posted in Uncategorized | 1 Comments »

Expensive evening tonight!

May 2nd, 2010 at 07:24 pm

I am expecting an expensive evening tonight. My 2 granddaughters are bringing their boyfriends over to meet us. We are all going out for dinner, and of course, we will pay for everyone's dinner. But it is a treat I will really enjoy.
WE had a no spend day yesterday, used no gas, plus the braves finally won two games. That is $4 to add to the challenge. My husband spent most of the day helping a friend put up some awnings. He came home with a check for $125 which I will also add to the challenge money.
Prev. total $9050.00
today 129.00
new total $9179.00

Posted in $20 Challenge | 4 Comments »

Happy May Day!

May 1st, 2010 at 04:32 pm

When I was a child, we lived in Virginia. Every May 1st, my school would have a big festival for May day. We even had a May pole! I don't know if May day is celebrated very much any more. I do know that May is my very favorite month. It is so pretty to see all the trees and flowers blooming!

Posted in Uncategorized | 1 Comments »