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Archive for November, 2011

I can't believe it

November 30th, 2011 at 07:09 pm

I can not believe it. First I made a special trip on my way home from class to Best Buy in order to earn 225 points just for walking in, and of course my ShopKick is not working properly Frown

Next, I go to my dad who has told me since October that he was not interested in changing his Medicare part D prescription drug plan (which I advised him to since his meds were not covered under his currently plan) but low and behold 7 days before enrollment period ends and my second day back to work after a week vacation, he wants to change his plan. Arrrrggghhh Frown

Then I make an attempt tp pay my Target bill online and was told I was only allowed two payments with in a seven day period, what! Now I have been using my Target card to earn the 5% discount and as soon as I get home I pay the bill. Well, looks like I have done so twice this week Frown Good thing my minimum payment isn't due until the 6th so I was able to schedule a payment.

Finally on a good note, I still had about $11 left in my account before payday so I added this amount to my challenge/EF. In addition, I paid bills today and every bill due with the exception of one, I over estimated the total amount due Smile so I added another $115 to my challenge/EF. Also I packed lunch, had breakfast at home as well as dinner so $6 added to my challenge.

I had class tonight, so I did not make it to the gym and I am not adding $2 the challenge, this was a good reason not to head to the gym but I'll be back tomorrow.

Total saved $132

It feels good

November 29th, 2011 at 07:15 pm

It feels good to be back on track to financial freedom.

Today I went to Target and collected over 200 points using ShopKick, hoping to earn enough Best Buy points for BF Christmas gift.

Then I bought the following
Personal care product:3.99 less $1.00c= $2.99
-Personal care product:$.92 less $1.00c= $.08 for me Smile
-Target savings using cc (paid once I got home): $.50
Total savings $2.50

$20 Challenge update
-$6 no dining out
-$1 gym
-$1 Study
Total $8.50

All in all I added $10.50 to my challenge Big Grin

Today's saving

November 28th, 2011 at 06:52 pm

I saved a buck today using a coupon for Chinet plates, I also studied so a dollar was added to the challenge and I went to the gym and added a dollar to the challenge as well. All in all $3 saved.

Relaxing

November 28th, 2011 at 12:05 pm

Today is my last day off before returning to work and I must say I have been a lazy bum all day. The only thing I can say is that I have done some studying, that's it.

I am really enjoying this day, really Big Grin

Couponing

November 27th, 2011 at 05:32 pm

Okay I am new to the couponing the thing. But I think I did okay for the first time.

CVS purchases
Old Spice Body Wash $3.49
Old Spice Body Wash $3.49
Dawn Antibacterial Soap $.99
Total $7.97
Less Coupons $4.99
Total $2.98

My Blue Rewards

November 27th, 2011 at 07:43 am

I have completed 3 out 4 Lifestyle Improvement Program through BCBS bringing my total to $150 in gift cards Smile
I'll complete the fourth phase between today and tomorrow to earn an additional $50 whooo hoo.

We're planning a trip in January so $200 in gift cards will be nice

Happy Saturday

November 26th, 2011 at 08:17 pm

Well today I tried to mend a friendship between two friends, I am friends with both women who are not speaking to each other but I have learned to stay out of it. So with that said no more bringing folks together. I'll just remain friends with both.

On a different note my brother gave me $300 to get my mom a tv for Christmas, I was trying to find the best deal for the best buck but ended up spending $295, so I earned five bucks on the deal. So $5 was added to my challenge/EF--I do think I got a really good deal on the TV

I also studied today for a little while and added a $1 to my challenge/EF. Total added today to the challenge $6

On a different note, the BF ask if I wanted to head out to breakfast, we're both in the hole so I said to him "I have no money" his response. "Me either" so then I respond "We shouldn't be going" In the end, I cooked breakfast at home for both us saving over $30.

I picked up my 3 free picture collages from Walgreens and I must say they look great. I was able to get three free, I had the BF sign up as well as my sister. Lol I know some would say I am cheap but I am saving money.

I have a $10 GC from VS, I hope I am able to find a $10 night gown or even one for $12. They usually have them on clearance it will be a great Christmas gift for my cousin or BF daughter.

$82,000

November 26th, 2011 at 07:30 am

Well this is a continuation from a previous post. As you all know my BF accounts were frozen for over $80k. As I mentioned before he has an attorney that I think he should have fired a year ago, see he is paying child support for two kids one which he has custody for.

Long story short his attorney finally called back, and guess what? She admitted to him that she does not handle cases (family) such as his. WTH! Was all I could say. However, she will refer him to some one in her office. Are you serious? I said to him I would file a complaint with the Florida Bar Association. A year later, suspended license (she advised him to payless only to find out this was not agreed upon in court so he was in contempt) and over $82k later you realize you don't handle such cases.

I told him when he hired her to go with some one else, but no.
I did advise him not to use anyone in her office

Whew!

November 25th, 2011 at 08:24 pm

Whew I almost missed out on $10 from ING. ING is offering $10 if you paid 5 bills via there bill pay center, so I paid the two additional bills I needed and $10 should be credited to my account by December 31st. Of course once I receive my $10 I'll deposit it to my challenge/EF

BCBS Rewards

November 25th, 2011 at 06:01 pm

I completed my BCBS PHA survey and blood screening, all at no cost to me so I will be receiving two $50 gift cards Smile We are planning a trip in January so the money will be used for our trip. I have two more surveys to complete which will give me two $50 gift cards bringing my total to $200 yay!

Nothing like free money

One thing I hate

November 25th, 2011 at 10:54 am

One thing I hate is an unsupportive individual. I am back at blogging which helps me keep track of my finances here, no one knows I blog about my finances and I'd like to keep it that way

In addition, I collect points from miscellaneous sites such as: MyPoints and ShopKicks. Once I accumulate enough points, I cash them in for gift cards which I use as gifts. Well the BF and I were out and about and of course I was trying to collect points so that I can get a gift card for his daughter for Christmas. Well long story short he was very annoyed that I wanted him to drop me off at the mall entrance while he parks so that I may collect 300 points and I ended up not going to the entrance.

This really irritates me, yes I have not discuss my financial position with him but he knows this year we're both financially strapped. After I explain to him that right now I have enough points for a five dollar gift card, it's black Friday and you can earn 3x as many points and that I am very close to a $25 GC it was almost if he was "so embarrass" that I was doing so.

Well I have decided that he and I will no longer go shopping together, because as long as I'm saving I will collect points where ever I am and if he is embarrass then we won't go together.

Why?

November 25th, 2011 at 06:38 am

Wondering why is it when I am making some sort of headway Murphy always step in? As you all know, I am trying to sock away enough cash in my EF before I start paying down my CC debt and I am so close to reaching my goal before the end of the year and now I need a car battery Frown

I have a car fund which will cover about $40 of the cost of the battery but the difference will come out of my EF. I really do not want to touch any of that money unless I lose my job or become sick, but I understand that a car battery is a must.

Still feeling sad though Frown

I have figured it out

November 25th, 2011 at 12:54 am

Whew, I figured out what to get my BF for Christmas. He mentioned he wants a radio for his car, $60 at Best Buy, also a wet/dry vac $20 at Wal*Mart so all in all his gifts will be under $100.

Also I am racking up points with ShopKicks hopefully I'll have enough points for a $25 GC for Christmas

Happy Thanksgiving

November 24th, 2011 at 06:49 pm

Woke up feeling very thankful for the following:
-another day
-family/friend
-a job
-health
-back on track to financial freedom
-a roof over my head
-food on the table
-clothing
-happiness
-many more things

Just wanted to say yes I am thankful and hope everyone had a great Thanksgiving



One down and a few to go

November 24th, 2011 at 02:13 pm

Thanks to Trying Hard, I ordered my free photo collage from Walgreens.com using the coupon code RGIFT2U. It is a great Christmas gift for my BF so I saved $3.99 which will be added to my challenge/EF

So that's one of his gifts and a few more to go, he wants the Sean 8 NCIS and a dry/wet vac and that's it.

I know that I am back on track

November 23rd, 2011 at 03:53 pm

I know over the last few years I'll post "I'm trying this blogging thing again" and nothing. But as I sit here I realized that yes I am back on track. I have blogged every day now for a little over a week Big Grin In addition, I am so stuck on saving this, not spending that, that I know I am definitely back at it this time.

With that said, I have socked away over a $100 to my challenge in a week, created a price list, and just finish clipping my coupons and creating a spread sheet to keep track of all my coupons Big Grin

Tomorrow, I will get the newspaper from my BF mom, because she doesn't clip coupons and the only thing she reads in the paper is the obituaries. So once the paper is in my hand I will sock away $1.50 (cost of paper, had I bought it) to my challenge EF.

I'm not into extreme couponing, I don't find the need to stock up on items I do not use, but I do want to save money if I can.

Further more I am watching the news and all these people are lined up already for Black Friday, personally I do not want to be in that mess spending money I do not have. So, I will wait for my gift cards from MyPoints and get Christmas gifts then.

I refuse to go overboard this year, or use my CC.

Family

November 23rd, 2011 at 01:35 pm

You know sometimes my mom thinks my BF is her BF. She is retired, home all day and says to me when I got home that she forgot to buy stuffing. Being that I am on a budget and she gets food stamps, I say "I wish I had known prior to coming home but I am not going back out, because my mechanic is coming to check out my car which is acting up." Her response, "Call BF and tell him to go" First of all his money is not your money, secondly he is at work until late, third you get food stamps and fourth you have been home all day not doing a thing. Not to mention his account has just been wiped clean (she isn't aware but its not her business either).

So I respond saying, "Well BF will not be home until late." Her response, "Well I guess we won't have stuffing" Really? You're that lazy and cheap? The reason why I say cheap is because she always mention that my "BF must make enough money" I can't stand when others count someone else money.

Sorry I just had to vent