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Car battery died and other happenings

January 26th, 2015 at 06:38 am

Yesterday when I went to leave to go grocery shopping, my car wouldn't start. My hubby is now working a new schedule (Sunday through Wednesday 10 hour days) and wasn't home. So I called him and he figured it was the battery and said he would leave work early and get it fixed for me..he rocks! He called O'Reilly's and found they had a battery for $140....he also found a coupon online for $99! Yippe! It's all fixed...he said they seemed annoyed that he had the coupon...oh well...it's not his fault they put out coupons. I guess they hope nobody will be smart enough to look around for coupons?

My parents live a mile from me and my mom was sweet enough to come and get me and take me to the grocery store...I treated her to Starbucks as a thank you.

Since my hubby is now working Sundays, instead of being grumpy about it (thank goodness I work 1/2 days on Fridays), I decided if I didn't have plans on Sundays, I would make it my day to do projects around the house (in addition to regular things that need to get done)......yesterday's project was to clean the fridge and freezer. They look so much better now!

I've got lots of other projects on my list to cross off..and add as they come up.

Happy New Year and updates

January 1st, 2015 at 07:36 pm

Been a bad blogger these past few months but hope to keep it up much better.

We ended the year on a pretty good note. DH received a 3% raise effective next paycheck. I received $1000 Christmas bonus at work, and finally, my very generous parents gifted us at Christmas, $14,500.

We also met our goals, with the exception of paying off the credit line. This was from last year's bathroom/laundry room update. It was almost paid off and we decided to remodel our mater bath. In October, the balance was about $3000. We added $14,000 to that that by the beginning of December. However, with some diligence,(and using some of the money from my parents) as of January 1st, it is $10,000.

I will blog about the bathroom remodel in another post. I am excited to share how we cash flowed a big portion of that.

We also had our water heater replaced the day after Christmas. It was 17 1/2 years old. As the girls have been in and out for the holiday break for Christmas, we discovered when all 4 of us needed to shower one after the other, some people were getting cool water. DH found a good deal on a new water heater from Lowe's, and for opening a Lowe's card, we saved $80 (and it will be paid in full when the bill comes) and we will also receive a refund of $125 as it is an energy saving model.

2015 goals include: paying of the credit line ($10,000)....getting the mortgage down to $100K (currently at $112K) and cash flowing a new roof in the Spring/Summer(amount unknown....5 to 7K).

That's it for now...off to update the sidebar.

Wishing everyone a Happy and prosperous New Year and good thoughts for meeting our goals!

Snowflakes

October 29th, 2014 at 08:50 pm

With all of the spending on the Wells Fargo card (vacation and bathroom remodel), we have earned two more $25 rebates towards our mortgage principal! One posted 9/30 and one just posted 10/28....it also appears we are less than $1 away from earning another.

I had 8000 points in my account at My Points. I cashed one out at 3700 for a $25 Regal gift card. We will save that and use it for a date to see the new Hunger Games Movie.

I think I am also going to cash out 3700 for a $25 Starbucks e-gift card. I can load that on to my registered gift card.

I have also in the past few months, earned several $5 Starbucks gift cards by using some various apps on my phone (ShopKick and Ibotta). I also started using another shopping/rebate app called Checkout 51. I am $9.25 towards earning a $20 check.

I love free stuff Smile

Cancelled the paper

May 20th, 2014 at 07:57 pm

We are cancelling our newspaper subscription. Our paper went to a F,S & S edition with an "extra" edition on Wed. We signed the card to get the Wed paper and it came once and has never come again. DH also hates the new format. They changed it, I imagine to save some money. I like it but DH doesn't. We have also had problems with delivery.

That will be a savings of $12.50 a month.

I imagine we will pick up a Saturday edition or a Sunday edition for the coupons. We are usually out and about at some point, so it won't be a wasted trip.

Updates...financial and fitness

March 9th, 2014 at 08:38 pm

First....fitness...worked out 6 out of 7 days last week....M,T,W,TH,Sat,Sun....took Friday off! Working on the treadmill for 40 min and then doing weights of some sort. Stepping on the scale tomorrow to see if anything has happened. I don't think I lost much (if any), but I definately feel slimmer.

Finances...on autopilot....not much new to report. My mom is still gifting us the $500 per month. For now, it is going directly into the savings. I will be increasing my SEP IRA at work tomorrow.

Working on plans for the next 4 weeks. Making lists of what needs to be accomplished before we leave on vacation. Financial, household, and personal.

I am really looking forward to getting away! So glad it is coming up soon, AND that is is paid in full!

Happy New Year from Oregon

December 31st, 2013 at 10:27 pm

So it's about 10:20pm here on the West coast. I am just hanging out by myself....DH is in bed (he has to work New Year's Day) and the DD's are out with their friends celebrating. I'm not bummed we are not going out...we never do. I would rather just stay home and be cozy.

We ended up pretty much meeting the 2013 goals. We paid off both cars and a new wedding ring for me. We didn't up DH's 401K contribution to 15% but we did increase mine which probably made up for the 1%.

If it were not for my parents and their most generous gift, we would not have made the savings goal.

We would have been debt free except for the mortgage, except we took out the home equity loan to renovate a bathroom and laundry room. I don't regret this as those rooms were going to need renovating at some point. We will not be staying in this house long term....we have been here 16 1/2 wonderful years, but will be looking to downsize at some point in our closer to retirement years.

Looking forward to 2014!

My generous parents

December 29th, 2013 at 08:43 pm

DH and I enjoyed a very Merry Christmas courtesy of my very loving and generous parents. They gifted me with a check for $10K and DH received a check for $5K.

These funds for now, are sitting in the savings account. We would not have met that goal if it were not for them.

Plans for the money include making a large payment on the home equity line we took out in October for some home renovations. (I have already made one $500 payment).

We are also planning a cruise for April.

Next blog post will be about 2014

Got my Christmas bonus!

December 16th, 2013 at 08:53 pm

It was slightly smaller than last year, but that's ok....I feel so lucky to even receive one at all.

It was $1000. It has gone into savings for now.

I am not counting on a raise in January at my review. There are some big changes coming to healthcare next year and it is going to be costly for healthcare employers.

I am not just talking about the new healthcare plans. There is also going to be a new medical coding system in place starting in October.

We also may be looking at getting an electronic medical records system. That will be very expensive, not to mention the training it will involve.

So for now, I am just feeling thankful for what I have and for what I have been blessed with.

Feeling very blessed & what a day

December 4th, 2013 at 08:23 pm

I blogged a while back about my mom giving me $500 a month....she has been doing this for about 4 months now.....not really sure why, she just says cause she loves us. My sister gets the same amount, my brother (due to some family issues) gets nothing.

We have been throwing the money into savings for now.

Today I received a check for $2000!

That also will be going into savings for now to replenish after paying property taxes in November.

I had a few nice things happen today, all before 9:00. I stopped at Starbucks and the person in front of me paid for my drink....how nice....so....I paid for the person behind me. Wonder how long it went on?

I drove by and found out that a Panera is coming to our town....oh happy day...I love that place! Rarely get it unless we go to the mall (which we do not very often).

And finally, several co-workers complimented me and said I looked like I had lost weight/toned up. All that work at the (new) gym membership must be paying off a bit.

I would say this has been a great day! Smile

Paying the Focus loan off!

September 9th, 2013 at 01:24 pm

Yep! We are going to do it! I am calling the credit union today and am going to mail the check off after work. We are at $1499 and some change, so I will need to get the exact payoff.

Part of the reason we are doing this, is that my generous mom gifted me with another $500 this weekend.

I wish I could say we were debt free except for the mortgage, but I forgot to add our Zales account to my side bar. You see, a few months ago DH really wanted to get me a new wedding ring. We went to Zales and purchased one on 12 months deferred. I originally divided the balance by 12 months, but then last week realized, if we want to be debt free by December, I would have to up the payment. I figured out how much that would be with a final payment in December.

We will most likely be paying it off next month as the balance is $608.79. We will find the cash to do it, and then I can really say:

We are debt free except for the mortgage!

Unexpected cash gift from my mom :)

August 14th, 2013 at 07:00 pm

That's right! I got home on Tuesday from work and there was an envelope that had come in the mail from my mom...it's funny...she only lives 1 mile from us....lol

DH didn't open and when I did, to my surprise was a check for $500!

I called to thank her and asked why...she just said because....she also gave my sister the same.

I think she is just wanted to thank us for being such good daughters to her and our dad....we are currently estranged from my brother and his wife (about a year now) and I think she just wanted to do something totally unexpected and surprise us. She also gave DH and I $100 before we went to Kauai.

For now, I just put it in the savings account.

What a lovely blessing!

Got my freebie....

August 8th, 2013 at 08:46 pm

Popped by Bath and Body Works on my way home and got my travel size signature item...actually...it's not for me. It will be a great stocking stuffer for Christmas.

I have another one that I will redeem tomorrow.

The sales clerk said there were a lot of people coming in to get their freebie as it expired today.

I am glad I stopped in...last time I let my coupon expire.

Back from vacation

August 1st, 2013 at 10:36 pm

We are back from Kauai! Will try to post some pictures tomorrow.

We had a wonderful (but a bit spendy) time. We had reserved a compact car, but DH really wanted to get a convertible...sigh...men and their cars. I have to admit it was fun, but not so much when I stupidly failed to put sunscreen on the first morning...at least it was only my shoulders and the upper part of my neck that got burned. Now I just feel like a lizard! Peeling and itchy....yuck.

Most of the vacation was prepaid, but we still had a few expenses. Gas was at $4.50 to $4.60 per gallon, and food (if you have ever been to Hawaii) is very expensive.

Flossie stayed out of Kauai for the most part (just a bit of rain and wind on Tuesday am) and then it cleared up. It was very hot and humid the entire time we were there. The big island and Maui got hit pretty hard from what we heard.

Anyway, July was a super spendy month and we will try to make August a low spend month, with the exception of DH's birthday and a family get together to celebrate DH's b-day, his sister's DH, and our great newphew (who both had July b-days).

Other than that, it will be sticking to regular bills, and gas and groceries.

Playing the streaming game

June 21st, 2013 at 03:47 pm

A few weeks ago, I finally decided to check out the Downton Abbey series and see what all the excitement was about. I am so glad I did! I am totally in love with it!

To start off, I watched season 1 on Netflix (we have the streaming package). I was ready to watch season 2 and couldn't find it on Netflix. After some research, I discovered Netflix didn't have season 2. In fact, they are losing the streaming rights for season 1 any time now.

I then discovered that Hulu Plus has season 2. I signed up for a free 1 week trial, and got busy on season 2. I cancelled my free trial last night.

Now, I am planning on getting a 30 day free Amazon Prime trial to watch season 3. I am, however, double checking, to make sure it really is a free 30 day trial. If so, I am on board! An Amazon prime yearly subscription is $79. That works out cheaper per month than Netflix and Hulu Plus. It also seems, they may have more tv and movies to offer. If so, we may consider switching to Amazon and dumping Netflix.

For reference, we still have DISH network. Can't see the hubby giving that up though.

What about you? Do you still have cable and/or satelite? Streaming only? If streaming only, which service do you use and are you happy with it?