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Anticipating Spending Later this Year

February 11th, 2016 at 08:03 am

We have 2 sets of good friends getting married this year. Within a week of each other. I am already planning for the significantly increased spending during that time.

There will be bridal shower gifts, accommidations/travel and wedding gifts to be funded. Fun times lie ahead financially, but it will be exciting to celebrate with such wonderful people.

I hope to be as frugal as possible with the gifts/accommodations though!

Yesterday's 5 Things - again

January 13th, 2016 at 05:24 am

Tuesday was a good day. I visited the surgeon for my 1 month post-op appointment. I am allowed to resume all activity, which is great, because I can lift & carry the baby again!

-Bing [DONE]
-Doctors appointment [DONE]
-Work 2 hours OT
-List all newborn clothes for sale (too small for the baby now) and list online [DONE]
-Give baby a bath [DONE]
-make lunch for work tomorrow [DONE]

Trying to Sell the House This Year

January 13th, 2016 at 05:21 am

My husband & I are trying to sell the house this year. We want to move from the 2 bedroom townhouse we currently own and buy a bigger place. With a baby, 2 cats & a large dog, we just don't have much in the way of room. We aren't going crazy, but we definitely want to upgrade a little.

This past weekend, we went through the house & put together a pretty long To-Do list to get the house ready. I am hoping to spend as little as possible doing so, but we have a small budget for it and will utilze those funds as necessary to get the house marketable.

Wish us luck! Our goal is to have the list completed by the end of April Smile

Eagerly awaited 1st paystub of 2016

January 5th, 2016 at 07:14 pm

I had calculated an estimate of my net pay after increased medical, HSA contributions and the addition of a childcare FSA. I used payroll city & got a figure.

Today, my paystub went up online & it was within 24 CENTS of my estimate. I can't believe how good that was!

My 2016 budget will not need to be adjusted at all!

Gift Card and Coupon Code Inventory

January 2nd, 2016 at 10:52 am

List of Gift Cards and freebie codes. Please note there are a lot of shutterfly - which I use for family yearbooks, grandmother gifts, etc.

Shutterfly: $20 off code expires 3/27/16
Shutterfly: $20 off code expires 3/27/16
Shutterfly: Free 8x8 Photo Book expires 2/29/16
Shutterfly: Free 8x8 Photo Book expires 2/29/16
Shutterfly: Free 8x8 Photo Book expires 5/1/16
TinyPrints: 20% off plus free shipping expires 2/29/16
TinyPrints: $20 off expires 5/1/16

20% off Gymboree expires 12/31/16
Old Navy Reward: $10 expires 5/31/16

Two Stones Restaurant Gift Card: $50
Bob Evans GC $10
Nail Salon Gift Card: $60
Nail Salon Gift Card2: $60
Barnes & Noble GC: $25
Walmart GC $2.97
Babies R Us GC: $300
AC Moore GC: $20
Home Grown Café GC $10
Christiana Pub GC $10
Skipjack Restaurant GC $10
Skipjack Restaurant GC2 $10
Primo Subs GC $5

Open Enrollment

October 30th, 2015 at 07:49 pm

My husband's open enrollment at his work ended just before mine started, so we had only estimates to compare.

Since he is one of those lucky people that NEVER needs a doctor and I am one of those that goes all the time (thyroid disease, etc), we figured it made sense to have him go through his insurance since he'd never make the deductible.

And I will put my daughter & myself onto my employer's insurance.

I also am planning to utilize every extra benefit that I can. This includes Medical coverage that also provides a contribution from my employer to my HSA of $1500. I am contributing $2500 to the HSA myself.

I am also utilizing the Family Care HSA. Daycare costs will be more than the $5k maximum it allows, so the HSA will be fully utilized in 2016. Work contributes 50 cents to every dollar, so I will put in $3333.33 over the course of the year and they will put in $1666.67. So basically - free money & pre-tax funds to use toward day care!

I am keeping my 401k contributions at 14%, with the 6% company match, that's 20% of the salary.

The increased costs for medical for the baby, increased HSA contributions and the daycare FSA will significantly decrease my take home pay, but in the long run, the savings will be worth it!

Nice Target deal on diapers!

October 18th, 2015 at 02:23 pm

A site I follow shared a nice target deal on diapers!

I purchased 6 packs of diapers at $24.99, plus some diaper cream for $1.27. This gave me a total of $151.21

I then was eligible for a $25 gift card for spending $150 on baby items.

And eligible for $20 for buying 3 diaper packs at once. I earned this twice.

So my total of $151.21 was then reduced by $7.56 for using my Target Redcard (5% off). Final price $143.65 for 6 large boxes of diapers.

I used a $60 Visa gift card that we received as part of our baby shower and I earned $65 I Target gift cards.

Can't beat that deal!!


October 17th, 2015 at 07:49 pm

Yesterday was payday and because there is an extra paycheck this month, more went to non-normal expenses than the monthly ones.

After normal bills, doubling the grocery budget (due to extra baby expenses this month), gas, etc., I was able to:
-put $500 into the new home fund
-put $70 into the EF
-have $200 to new clothing.
-rollover $100 into baby savings (rolled over FB sale income)

Post-pregnancy, thanks to the gestational diabetes, I have lost 30 pounds between my pre-pregnancy weight and today. So I am down 2 jeans sizes & am in need of some new clothes before returning to work. A great problem to have!

Payday Last Week

October 7th, 2015 at 07:30 pm

Last Friday was payday!

Normal bills get paid - car insurance, Netflix, electric and allotted amounts go to sinking funds (Personal/Beauty, Medical, Gifts, Auto, Vacation), and cash reserves are set aside for pet expenses, groceries, gas & entertainment...

I put $736 to the new house fund! big amounts still as there are no daycare expenses yet.

Need to remember how far I've come this year!

October 1st, 2015 at 05:00 pm

Lately, with all the new expenses and how much I am beginning to hate our current home, I am feeling a bit behind with our goals.

But we're not. And I just needed to look back at the changes over the year to see that!

In 2015,

I have:
-Paid off $15,019.95 in credit card debt that I came into the marriage with (Current CC Debt: $0)
-I paid off my car loan $1,595.93
-Purchased a crib $319.99
-Purchased a glider/ottoman $493.98
-Cash-flowed Gutter/Soffit Repairs $1933
-Cash-flowed car repair: $499.67
-Cash-flowed house painting $750

That is total change of $20,612.52 in debt/expenses

PLUS I have put $1500 into the New Home Fund YTD

*Please note that I say a lot of "I" because my husband and I have separate & joint accounts. He and I each wanted to pay off our debt from prior to the marriage. I don't have track of his debt payment, but he is almost done as well!

So what I need to remember, as of 10/1/2015, I have had a positive financial change in the amount of $22,112.52!!!!

Spendy Spendy Spendy

September 9th, 2015 at 02:38 pm

Last few days have been spendy.

Netflix: $7.99
Duck Race Humane Association Donation: $30.00
Donation to an old teacher's Crowdsourcing Fund $15.00
Tickets to Last Comic Standing comedy show (Parents night out in October) $94.00
Photo Book (gift for grandparent) $10
5x7 baby photos for gifts for family members $4.00
Grocery/Baby supply/Household Supplies: $283.16
Postal Service: $14.70
Eating Out: $64.28
Gas: 22.84

However, we still were able to put a bunch into savings!

$1000 into the New Home Fund
$50 House Repairs Fund
$100 Slush fund
$60 2015 Gifts Fund
$20 Auto Maintenance fund

Little One Arrived!

September 6th, 2015 at 11:48 am

My little one arrived August 18th. It was a rough labor, but we both are home healthy & happy.

Both my husband & I have 12 weeks of parental leave. I can't believe its almost a 1/3 over. It feels like we've only been home a minute!

Medical expenses are high - adding the baby to our medical increased our family deductible. Her birth alone met that deductible, but we haven't met the out-of-pocket maximum yet. No bills have arrived for these charges, but I can see them on the insurance website. We have planned for this.

I used some free Shutterfly codes to make some baby announcements. $7.99 out of pocket for shipping - we have a large extended family.

Going into this birth, we knew we would pay the overpriced Newborn Photography offered at the hospital. Well worth it to me as the pictures are taken on the baby's 2nd day and she was perfectly malleable to poses. We have ownership of the prints, the rights, etc. and can reproduce into more prints for Christmas presents for a much smaller cost through an online site. This was already budgeted for as well.

Our household costs have increased some - diapers, wipes, formula. I am attempting to cook again after months of being too sick for it.

I am so looking forward to this next adventure in life!

Last Credit Card Paid OFF!

August 10th, 2015 at 05:47 am

Friday was payday & I sent the last payment to my final credit card carrying a balance (0%) $540.59!

New Balance: $0.00


Painters, car theft/accident, baby coming soon

August 7th, 2015 at 04:34 am

Crazy week. That is the only way I can describe it. With the high risk pregnancy, I had 2 doctors appointments on Monday. My husband & I took off and did the appointments, then lunch out.

The painters came to paint the living room, downstairs hall, stairs and upstairs hall. It was a 3 day job. They repaired some loose drywall and did ceilings & trim including the high ceilings around the stairway. This was worth every penny of the cost & was cashflowed!

Tuesday, I left the house at 6;45 for work only to discover that my car was not parked where it had previously been. I looked around & found it DOWN THE STREET IN A DRIVEWAY AND SMASHED INTO ANOTHER CAR.

Apparently someone had attempted to steal the car (although no broken windows, etc), got it started and then the security features kicked in & the car turned off. So it coasted straight into the neighbor's car.

My car had a few minor scratches on the bumper. The neighbor's drive side door & side panel were dented in. It took 3 hours for the police to come, do reports & fingerprint.

The insurance got someone out the next day to look at my car. I had to sign paperwork & get it notorized over the theft attempt. That I handled (free notary) at the bank yesterday.

So *hopefully* the car situation is pretty much complete. I don't think any repairs to my car would even meet the $500 deductable. So getting it repaired doesn't make much sense, but we'll see.

Yesterday, I heard from my OB's office. Because of my high risk pregnancy, we are likely going to have to incduce a day or 2 before my due date. So I have an induction set for the evening of Tuesday 18th, with hopefully a delivery date of 8/19. Finger's crossed!

So currently, the house is a mess from all the stuff being moved around for the painters, I still have a few more things to deal with with the insurance, the baby is coming in less than 2 weeks and I am feeling a little unsettled. I need to get the house in order this weekend! Smile

Payday Tomorrow!

July 23rd, 2015 at 02:16 pm

Tomorrow is Payday. My check went online yesterday, so I was able to pre-budget with OT.

After I pay normal bills out of this paycheck: Cell, mortgage, cable, water, etc.

I will be putting aside:

$40 for Gas
$60 to Gifts savings
$5 to Clothing savings
$209 for entertainment
$20 to Auto savings
$100 to House Slush Fund
$50 to House Upkeep Fund
$20 for pets
$231 for groceries
$88 to maternity/post maternity clothes
$775 to my last cc debt
$735 OT toward 2016 gifts fund (goal now met)

An update on my last credit card:

Bal starting 7/1/15: $2225.56
7/10 Snowball $802.27
7/12 Entertainment overage $20
7/22 OT leftover $50
7/23 Entertainment overage $19.70
7/24 Snowbal $775

TOTAL July Payments: $1,666.97

New Balance: $558.59

Friday's Paycheck

July 8th, 2015 at 05:47 am

Paychecks went online and I was able to see the full amount I will be netting with my Overtime.

After paying normal bills - Car insurance, netflix, electric, trash, etc., I have:

$35 Gas for 2 weeks
$25 personal items
$15 Medical Savings (ING)
$5 Clothing Savings (ING)
$13 Memberships Slush Fund (ING)
$22.40 Old Navy purchase payoff (more tank tops/lounge pants for maternity and after the baby comes)
$270 Daycare deposit
$200 Entertainment expenses
$165 Overtime to 2016 Gifts Fund [Goal before Mat Leave is $900]
$800.60 to Last Credit Card Debt

Current Priority Financial Goals:
1. No New Debt
2. Payoff Last Credit Card
New balance after $800.60 payment = $1424.96
3. 2016 Gifts Fund - Goal of $900
New Balance after $165 transfer [$165/$900]
4. Repay Clothing Purchases
DONE for the moment, another purchase will occur
this week due to needing nursing friendly clothes
5. Savings for Home Repairs - Drywall/Painting. No
estimated goal yet - waiting on estimate