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Good & Bad & Good again

September 18th, 2012 at 01:45 am

Friday night, the boyfriend & I had date night in. We rented Battleship off Amazon (for free with my Swagbucks AGC), I made dinner & we had a few drinks & enjoyed ourselves. Pretty frugal

Saturday - we went with my College roommate & her husband to a Brew Fest an hour away near a casino. The tickets were $25 each, but I found a groupon that did 2 tickets, plus $15 in free slot play each for $25 total. So - a savings of $55! We enjoyed ourselves, played our free slot money, enjoyed free sodas after the beer tasting & headed home. Very frugal day...

Until...I dropped my cell phone in the toilet. UGH. I was able to get it out quickly (and this was a clean toilet - hadn't gone yet). I dried off what I could with towels, took the battery out, and when I got home, put it in rice overnight. With the help of Droid forums, I was able to factory reset the phone & it is working again. I am a lucky, lucky woman.

If it had not worked, I would have just used my boyfriend's old phone. I was not putting anymore funds into a cell phone.

Sunday, I went to the Farmer's market, the grocery store and then Weight Watchers. I had HOA stuff to do at home, slept a good part of the day, made a yummy dinner & enjoyed some Netflix.

Today, I had a no spend day - packed healthy & did not go out of bounds Smile

Tomorrow - I have a 6am work call - so hoping to get out of the office a bit early tomorrow!

My physical therapy has ended (insurance will no longer pay). I am doing at home exercises for 2 weeks and if its not better, going back to the foot doc to fight the insurance. Fun

On another insurance note, I am STILl waiting for my $389. I keep calling & as of today, they said the funds will be back in 48 hours. I will believe it when I see it.

New news - Roommate is moving out (it's been a year & my boyfriend & I are ready to live together).

So it will be a weird transitional month, financially as she moves out the 1st weekend in October and I don't have an exact date for when the boyfriend will move in. But it won't be bad, just cash flow tightness.

So for now - pack food as much as possible, frugal activities, selling on craigslist & finishing Christmas stuff with freebies!

To Do List, Finanacials, Goodies, Updates

November 11th, 2011 at 02:57 pm

I have to confess, I have been financially irresponsible lately. I have to get back on track. So part of that is being on this site more & being accountable to myself Smile

So in random form, here are some thoughts/lists.

-I am having a game night tomorrow night. Total out of pocket approx $50 as I am stocking up my liquor cabinet and making lots of food. Utilizing my freezer/pantry for the food as much as possible. Games already owned and a good time will be had by all Smile

- Sunday, for the friends dinner that I have, I am in charge of the sides. I will be supplying a salad, so out of pocket approx $8 (including bringing over some dressings)

-I just received a free gift from Clinque for a purchase I made. I have been having terrible breakouts, so I am going back to buying Clinique face wash. Worth it if my skin calms down Smile The free gift included a makeup bag (Very cute), a mini makeup bag, a 1oz cleanser (perfect for travel & can be refilled), .5 oz moisterizer with SPF20, regular size lipstick (In a color I like), regular size eye liner (on my to-buy list anyway), a travel mascara (in the color I wear), a full size eye shadow kit in colors I can wear, and 4 perfume samples (again perfect for travel). Over $50 value & I just restocked most of the needs I had for makeup Smile

- I received a call that Olive Garden is sending me a gift card (Amount unknown) for the trouble with a pre-authorization of $99 going onto my account. The charge never went through, but it was inconvenient.

- I am reinstituting my Lunch Challenge for myself, although I did terrible this week. My goal is NO out of pocket spending for food/drink at work for the rest of the month

-I plan on finishing Christmas shopping in the next two weeks. All in cash!

-I scored some deals from Acme. They have a little Holiday Book by their ads in the store. In it are coupons for things like $1.00 off 1 Acme brand (Everyday Essentials) pasta and 1 EE pasta sauce. I was able to snag both for $1.89 after coupon. I will be going back today for another set. Its never bad to have pasta stuff in the house! I also got 3 cans of Acme fruit for $2.00 total (After $1 off coupon). They have also had a lot of register rebates lately & I will be using them as I have about $3-4 left of those.

-I have a few returns to make - a non-working alarm clock to Target & a pair of shorts to Walmart

-The roommate situation is working out great. She actually contributes to things like paper towels & tp and CLEANS. None of the previous roommates did any of that Smile

-I got a $15 parking ticket for not feeding the meter enough when I got stuck inside the pharmacy earlier this week. I will have to pay it

-Dyed my hair at home instead of paying for color in a store. I have gotten SO many compliments, I am definitely going to keep this up. $4.99 for the box after coupon.

-Used a Deals Voucher for $10 to Fulton Paper. I make jello shots on a regular basis for parties, ect and use a particular type of plastic cup. I was able to use the voucher for 4 sleeves of the cups, 2 gift bags and 4 boxes to be used for gifts of fudge. I still have another $10 voucher to be used by next year. OOP for the 2 vouchers was $10 (and bought months ago)

-Itemized all of my stockpile in the bathroom cabinet. I have a ton of freebie samples of bath gel, shampoo, conditioner, face wash, body washes and lotions. I am trying to use up most of them as well as some of the travel sized stuff I have recently scored for free. I do plan on leaving enough to carry me through a few weekends of travel though!

-I itemized any freebies/rewards that have to be used. Did the same with coupons Smile

-Plan on looking into cheaper cat food. The cats have crystals and one is overweight, so I have them both on Hill's Prescription Weight Diet. But its expensive. Will be looking into non-prescription alternatives.

- I just got a 20% off ANYTHING at Kohl's. Might hit up their clearance for some gifts. (Will use Christmas cash - no additional unplanned spending)

- I need to be in a financial lockdown. So the budget is getting tightened. I want to pay down debt, control spending and just get back to my financial goals. I am a little ashamed I have gotten out of hand. But I can say for sure that I am turning a corner Smile

Roommates, food freebies & freezer (long & probably boring)

September 30th, 2011 at 10:53 pm

Happy Friday All! It's been a stressful week and I am looking forward to some relaxing this weekend.

Today was payday, so I budgeted out everything:

In cash, I have:
$40.00 towards Wine Tour
$77.49 towards Groceries
$90.00 Entertainment spending

I paid some bills:
Mortgage
Electric
Reimbursed mom for some Halloween Decorations

And I bought Groceries
-Acme $5.49
-Farmer's Market $10.30
-Walmart $29.46

My manager let us out early (WOOO) and I was able to get all my errands done & get home by 2:30. I had time to clean my room, prep food for the wine tour tomorrow, clean the bathroom and help the new roommate move a dresser upstairs. She has her stuff here, but will start actually living here tomorrow.

Once she left, my previous roommate came by & picked up the last of her stuff. She gave me the $75.00 she owed me and the keys. I did an inspection and found that she left a couple of things:

-1/2 bottle of Pino Grigio
-1 clean tupperware bowl & lid
-a bunch of salad dressings (1/2 used)
-1/2 jar of vodka sauce
-protein shake
-1 full large, unopened bottle of V8 Splash
-3 bags of frozen mixed veggies
-1 bag frozen steamer red potatoes
-1 bag frozen broccoli
-1 lb ground turkey burgers (frozen)
-1 bag broccoli & rice
-1 bag Tyson grilled chicken strips
-2 opened 1/2 full bags of veggies

Most of it usable - I will get rid of the opened veggies (freezer burn), vodka sauce & some of the dressings - but all the freezer food is good and healthy! So Yay Freebies. I then had to move all the food around in the freeze to free up 1/2 the space for the new roomie.

And since I did that, I took a freezer inventory: (boring, I know - but its really good for planning)

-1 1/2 bags turkey pepperoni
-2 - 4packs of breaded chicken patties
-6 servings chicken breast
-4 frozen turkey burgers
-1 container lime sherbert
-4 tilapia fillets
-2 1/2 bags Morningstar crumbles
-1/2 loaf bread
-4 veggie burgers
-4 servings turkey bacon
-1 bag no sugar added strawberries
-1 bag no sugar added blueberries
-1 bag broccoli
-1 pint blueberries
-8 bagel thins
-1 bag broccoli & rice
-3 bags mixed veggies
-1 bag grilled chicken strips
-4 pack water ice
-9 meatloaf muffins
-4 servings sloppy joe
-3 cinnimon raisin bagel thins

The rest of my night will be dinner, making the rest of food for the wine tour tomorrow, cleaning up the kitchen & dusting/vaccuming the empty room. Hope everyone has a good night!

Back from Germany!

September 25th, 2011 at 07:35 pm

The trip to Oktoberfest in Munich & to Amsterdam was phenominal. Came in under 'budget', but unfortunately some of the trip still went on a card. This was a splurge that I financially shouldn't have done, but mentally/emotionally, I needed.

I am home now & back to living frugally. I did buy fast food dinner on the way home from the airport Friday night.

Saturday, I had lunch with my parents at Olive Garden ($10) and completed some grocery shopping (approx $27).

Today, I went to the Farmer's Market and spent about $17 on TONS of fresh produce. I went to an Arbonne party at my sister's house (free food) and may buy 1 item at 50% off ($9.00). I will make the purchase tomorrow. And for going to the party, I received a set of make up brushes (which is actually needed).

As for the trip, I did come home with some toiletries. I found the complimentary body wash & shampoos in the (CLEAN/EMPTY) trash can in the hotel room - so I took them. All brand new, no reason to toss!

I am eating at home today, catching up on DVR'd shows & enjoying getting the house in order.

My roommate is moving out today & the new roommate is moving in Thursday-ish. She already gave me the deposit money & will provide the rent on her move in date.

I have goals for this week: $20 in entertainment money & I plan on packing breakfast/lunch/snacks for each work day this week. NO uncessary spending!

I plan on getting pictures uploaded tonight - expect some fun ones!

Coupons/GIft cards/Groupons Inventory

September 6th, 2011 at 02:24 pm

I took stock ofmy coupons, gift cards & groupons today so that I can utilize them all before expirations. I actually have quite a bit.

-Exp 9/9 - 40% off 1 item at Old NAvy(will be using for a new pair of jeans)
-Exp 9/8 AMC Theater - 50% large drink & popcorn combo (probably will go unused?)
-Exp 9/10 - 40% off 1 item at Joanne Fabrics, another 40% off 1 item at Joanne, 40% off 1 item at Michaels, 40% off 1 item at AC Moore. Will be using for some Christmas projects
-Exp 9/12 - FRee hiphuggers from Victoria's Secret
-Exp 9/27 - Coupon $15 off $25 at JB Dawson's
-Exp 9/29 - Free appetizer or desert at TGI Fridays (No purch necessary)
-Exp 9/30 - Free panty from Victoria's Secret
-Exp 9/30 - $5 off $25, Buy 1 Get 2nd 1/2 off Dinner Entree or $4 off 2 Lunch Entrees at Timothy's Restaurant
-Exp 10/10 - 15% off total TGI Friday order (waiting to see if go there for anything)
-Exp 10/21 - $10.00 off at Victoria's secret
-Exp 10/31 - $1.25 off Jollytime Popcorn
-Exp 11/11 - Wine Tasting for 2 plus wine gift (appt made for 9/11th)
-Exp 11/27 - $20.00 to local restaurant (Groupon OOP- Out of Pocket- was $10)
-Exp 11/30 - 50 cents off Progresso soup
-Exp 9/12/2012 - 10 Kickboxing Classes plus 1 personal training session, plus boxing gloves(Groupon OOP was $40)
-NO Expiration - $25 off $35 to Pats Pizza (Restaurant.com OOP $2)
-NO Expiration - $25 off $35 to Pats PIzza (Restaurant.com OOP$2)
-NO Expiration - $25 off $50 to Mona Lisa Restaurant
(Restaurant.com OOP$2)
-NO Expiration - $25 off 2 Entrees to Public House Bar
(Restaurant.com OOP$2)
-Free Trial 1 week Gym membership
-NO Expiration - $100 in Fandango cash (purchased for $80)

Today, I have to grab cat food from the vet (They have prescription food), and hit the grocery store. I have a potential roommate stopping by tomorrow - so tonight will be dedicated to cleaning.

A lot of the stores are together either inside or outside the mall, so tomorrow night (Wed) after the potential roommate comes to look at the house, I plan on heading back out
-Joanne for Christmas item(s) - decorative boxes & cardstock
-Return shoes to DSW
-Victoria's Secret for free items & to spend the $10
-Michaels to use coupon for Christmas item(s)

Then Friday, when my coupon starts to Old Navy, I will make a return & use the 40% off coupon to buy jeans.

As for the groupons - The wine tasting will be used Sunday the 11th, kickboxing will be set up for after I come back from Germany. Free gym trial will be used at the same time. And the restaurant groupons will be used as wanted since there is no time crunch. ***I Also want to note that I only purchased at places I know I like or want to try - nothing was bought just cause it 'was a deal'. LOL

And I am working to get back to my To-Do List. Today's 5 things off that list are:

1. Pick up cat food & grocery shop
2. Make dinner/premake food for tomorrow
3. Finish laundry
4. HOA chores
5. Clean house - vac/dust living room, change cat litter, clean upstairs bathroom, clean bedroom

Coming off a 10 day Staycation!

August 15th, 2011 at 03:38 pm

So I was on vacation all last week, plus the prior Friday. My big vacation trip is next month (Oktoberfest in Germany!) So this vacation was very low key.

Friday the 5th, I had lunch with my parents (free) & my nephew, mowed their lawn & vegged at home that night. WAtched a few movies off Netflix/from the library

Saturday the 6th - I went to a winery for an event. $10 to get in, $8.00 for a specialty drink & $15 to purchase a bottle of wine. I packed food and my friends & I shared a picnic, enjoyed the band & scenery.

SUnday the 7th - BBQ at the boyfriend's and then watched True Blood with friends.

Monday the 8th - Lunch with my college roommate and her daughter (free - Since her daughter's 3, I went to their house for sandwiches. I brought cookies leftover from the winery picnic). In the afternoon, I went canoing with my nephew (age 10). It was a very uncoordinated, but FUN effort ($3 to get into the park, $8 for the rental.) I Stayed in that night & did some cleaning.

Tuesday the 9th - Went for a 2 hour hike & picnic with 3 friends & a dog Smile It was beautiful weather. THat evening, I met another friend for 2 for 1 tickets at the movies ($6.00 total for both tickets) and then half price burgers at a local restaurant ($5-ish)

Wednesday the 10th - Saw the Help with friends. Read the book, loved the movie ($8)! We went out to lunch after ($15). THat evening, my boyfriend came over & we watched a movie from the library.

Thursday the 11th - Ran errands, packed & left for the beach. My boyfriend's roommate had invited 8 of us down to his parent's beach house. BF & roommate had to work Friday, but it was from home, so they could do that at the beach. I spent about $35 on alcohol to contribute to the parties. The host's mom had been at the beach house earlier in the day & had left us chicken & beef stew for diner, so no cooking!)

Friday the 12th - while the boys worked, the rest of us had a light breakfast, then played tennis at the community's court (Free). We then went to the pool (free), ordered lunch ($8 for a sub) and hung around. THat evening, we made tacos & played board games (I had brought 2). We made some drinks, played some music, danced around and just had tons of fun. We had several cameras & videos going Smile

SAturday the 13th - We made a big breakfast, slept in. After breakfast people split up - some went to the beach, some the tennis courts, I stayed and had a much needed nap! Haha. Afterwards, I went to the pool & read for a while. That night, we got dolled up & went to the resort town at the beach. Cabbed it in & back, but had a blast!

Sunday, we had a leisurely breakfast, then all headed home except for the boyfriend & I. We were meeting one of his friends for lunch about a half hour away. We had a drink at the bar while waiting, then we got a call that the friend & her husband were stuck in traffic. So we ended up having lunch & leaving. It was nice ($40)

That night, we went back to the boyfriends for our weekly True Blood Dinner. We were all too tired to cook, so we ordered in. BF paid for dinner as I picked up the lunch tab Wink

Today, I am back to work with a HUMUNGOUS to-do list. Instead of 5 THings, I need to get about 15 done. And I am going to make it work! haha.

1. HOA chores (Est 1/2 hour of time needed)
2. Rent free movie from redbox promo [DONE]
3. Email about mypoints to friend, email friend of a friend about possibly renting the spare room when this roommate moves out at the end of next month [DONE and DONE]
4. Budget (today was payday)
5. Grocery shop [DONE]
6. Make meal plan [DONE]
7. Find passport in paperwork
8. Laundry-wash bathroom rugs [DONE]
9. Clean bedroom
10. Clean, polish furniture in basement. take pictures for sale
11. Xmas plan (Update budget)
12. Pack gym bag & library bag
13. Make lunch for tomorrow and prep for other lunches [DONE]
14. Change cat litter
15. Watch Redbox movie [DONE]
16. Grab coupons & magazines from Mom's house [DONE]
17. Post mail
18. MyPoints - get points, refer friends [DONE]
19. Clear Home Email [DONE]
20. Research breadmaker
21. Sort stuff for GoodWill [DONE]
22. Take inventory of stuff roommate left behind
23.
Lastly: Get to bed early (Ha!)

Ok, back for real - with some mistakes

July 18th, 2011 at 05:20 pm

Hey all,
I am back again & I have missed you guys. My health is holding steady at good (Yay) but my spending was a bit out of control. I am working on creating a new budget with a strict focus on paying down debt.

Additionally, I am dating someone seriously and I find that I am spending so much more because of it. He is a gentleman and tries to pay most of the time, but I like to do my fair share. I need to start saying no to some things, lol.

And - here's the BIG money mistake - I agreed to do a trip to Germany for Oktoberfest. I was able to get an awesome deal on airfare & lodging. I am working to save funds for the rest of the costs. I only have about 2 months to do that - so part of my plan is to sell some of the furniture that is currently taking space in my basement. I inherited a full dining room set from my aunt & I will never use it, its just not my style. So I am working on cleaning it up, polishing & then selling.

I have lots of goals right now - but I am going to stick to my 5 Things lists. This is where I tackle a minimum of 5 things off my To Do list.

Today will be:
1. Grocery shop
2. Pack food for work tomorrow
3. Put up Craiglist ad for new roommate & email photos to a potential one found already
4. Clean bedroom
5. Have fun on date night with the boyfriend. Movies & Dinner out Smile

Lunches, spending & weekend!

January 21st, 2011 at 04:32 pm

I"ve been good about packing breakfast & lunch for work all this week. The only outlier was going to lunch with my parents on Wednesday. But since I had taken a half day off work (only worked til 11:30), I'm not counting that, since I wasn't actually at work for lunch Smile

Wednesday Spending:
$30.00 specialist copay (paid with HSA card)
$10.00 lunch with parents

Thursday Spending:
$4.00 kitchen items from dollar store (sandwich bags, plastic wrap, ect)
$105 medical necessity not covered by HSA/Insurance. UGH. I actually got a deal on this - because the 1 I bought from a local store in November was $75 and I was able to buy 2 for $105 plus free shipping & a free care kit. This purchase should last me about 6 months

Friday Spending - Not sure yet. I will be paying a library fine, approx $0.50. I was thinking about renting a Redbox movie, but it will depend if I find anything good at the library first. Dinner will be at home & I am staying in.

Tomorrow, I might be taking my nephew to see a hockey game. Cost; $10/ticket.

I am SO Ready for the weekend. My roommate has been complaining that his room is cold. It IS colder than my room, but its the front room & I Think the wind just hits it. I sealed the vents so that no heat escaped before getting to the room. I put plastic over the window that he thinks the air is coming in from. I haven't talked to him today, but hopefully he found it to be warmer last night. If not, weatherproofing that room will be part of my weekend plans Wink