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Archive for October, 2006

To Windy To Sell Today

October 30th, 2006 at 12:47 am

Me and my partner was going to takes somethings to the flea market to sell today. We both looked forward to earning some extra money for the holidays and for the bills. But The wind was kicking at about 30-40 mph. It was just to windy to sell outside. This flea market was outside. We went to the flea market that we were going to sell at to see who was there and we found out that if we would have set up selling there it would have been free instead of the normal $35.00 because not to many vendors was there or customers for that matter. Oh well we have another flea market event comming up for this weekend. Hope that we can do that one weather permitting.

Starting To Track Food Expenses

October 28th, 2006 at 05:37 pm

I never really realized that food is expensive. Gone are the days That I could get a bag of groceries for under $20.00. What really made me start to truly track my food expense is that today me and my partner went to pick up a few things at the supermarket( Pathmark) and we came out of there having spent $90.00 for a few bags of things. We stuck to the items that were on sale for 10 for $10.00. Which comes out to $1.00 each.We also bought some cold cuts, fish and some other meats all on sale. beause of this expense that from now on I am going to track how much we spend on food and eating out and how many times we go. Our goal is to cut our food bill for 2 people to less then $100.00 a month. I know that we spend more then that now.
On the good news tip we returned soda bottle and got $1.50 back YA!

Total
Spent Food $90.00

Saving
Returned Bottles $1.50

We must do better!

Ebay 20 Cent Sale on Oct 25

October 26th, 2006 at 10:12 pm

Ebay had a 20 cent sale yesterday and I listed so much my hand and eyes hurt.Hopefully I will be getting some sales to add to my $20 challenge. So far it's been dead when it comes to making money. My goal for the end of the year is to make a $100.00 so that way I can start the new year 2007 fresh.

Free Retirement Seminar

October 24th, 2006 at 11:14 pm

My union was giving a retirement seminar for it's members over the course of 3 nights. I went to the first class last nigth. It was an eye opener for me and informative. They told us about the benefits that we will recieve when we retire, They told us about wills and estate planning, and investments that they have for their members. I was the yongest one in the room as far as years of service that I have with the city. I have 12 and I thought that was a lot. But I have met people who have 25-45 years of service. They called me the youngester in the group. (smile) I learned a lot and I am glad that I went. I wanted to stop working in 3 years but I don't think I can because I will not be cover for my medical if I leave before retirement. But I did realize that I have to save a Lot Harder for retirement Then what I am doing now.
Total
Larning alot from seminar priceless.

Lotto Coupons

October 21st, 2006 at 11:30 am

Ok I cheat when it comes to gambling sometimes, But I sometimes get coupons from Lotto, and the coupons are buy one get one free. So when I buy a lotto ticket or scratch off I get 2 for $1.00 which comes out to 50c a piece. I got the coupons recently. And since I give my mother and Aunt scratch off as part of their chrismas gift. What I am going to do this year is use my coupons so that I can get 6 scratchs for $3.00 instead of $6.00. That's 3 dollar saving for me. Hey might as well use them. Or they will go to waste right.

Total
Saving $3.00

More Money For Retirement

October 18th, 2006 at 10:11 am

I just found out yesterday that the city will put an extra $300 in your 401k plan if you have one with them. This is the first time that the city has ever given it's workers anything in their 401k. Since they do not matching funds. The extra $300.00 will be put in starting 2007 and every year after that they will put in $300.00. Yea that's an extra tax free $300 toward my retirement. I like that!

Great Weekend For Ebay

October 16th, 2006 at 11:56 pm

Hi all I had a great weekend for ebay. I went to some garage sales and I found some vintage barbie items and dolls that are going right on ebay this weekend. My partner found some Ho trains and buildings, and some plastic water guns from the 50's. We spend under $20.00 for a box full of things. YES!!!. I hope with the buying seasons here that we do well on ebay

Totals
Starting amt $27.00
Bought Items $15.00
Have Left $12.00

Another Great Garage Sale Day

October 15th, 2006 at 01:19 pm

Saturday and the day started cold and nasty. BUT..... It ended up being a good day. Why becuase I went to some good garage sales today with my $15.00 from the $20.00 challenge. And I said to myself that I will not do any christmas shopping. I stop buying gift for people about 4 years. But I came across some nice things at the garage sales yesterday in total I spent on gifts $5.00 and I got a nice set of cross pens , a candy dish a leather belt set,and a glass candle holder set all new and in their boxs. See that is why I love garage sales. You can find some great stuff even in New York sometimes? I also find some intresting things that I can list on ebay and half price so that I can recoup my $5.00 back for the xmas gifts.
Has anybody put themselves on an allowance for the week and failed? I am trying to put myself on an allowance of $40.00 for the week which $20.00 of that is transportation. and I have $20.00 left to do as a please. Well every week that I try and do this I fail. I always spend $5-10 dollars more then I am suppose to. Has anyone else had problems staying on a weekly allowance like me?
Also wanted to say thanks to all for sharing their stories and information with me. Thanks again

Totals
Garage sales $ 7.00
Food Out(lunch) 6.00
Total $13.00

Savings Total 0

New Bill To Pay

October 14th, 2006 at 11:20 am

When I switched to a new home owners insurance company. I informed my mortage company which they pay out of my escrow account. I sent all the information to the morage company so that they can pay the new insurance company. But because I switched to a new insurance company in the middle of the year. I have to pay the $225.00 that was owed for year 2006 and the mortage company stated that they will start paying the bill in 2007. When the new insurance cycles comes due. That's $225.00 out of my pocket. There goes the pay raise that I got. Oh well easy come easy goes.

Spent $225.00
Saving 0

I've Met My Change Enemy

October 12th, 2006 at 11:35 pm

Here's the story I was on a very crowed NY subway comming home from work .We were packed shoulder to shoulder in that subway car and it was hot. I was standing next to a man who had his shoes covering something on the subway floor. He kept looking down at his shoes so I looked to and I saw that he had 2 pennies that he had found on the subway floor. When he got off he bend down scooped them up and walked off the train. Needless to say there goes my 2 cents. And here I thought I was the only one in NYC picking up change. Fat chance! I did get 1 penny from co-worker

total now is .33

TODAY WAS A GOOD DAY

October 10th, 2006 at 11:00 pm

It was a beautiful day today and I enjoyed it being off of work and I found 28 cents in the parking lot today.

Last Total .04
Found .28
New Total .32

Is Food Expensive or is it Me??

October 8th, 2006 at 11:56 pm

First thank god for my partner that I live with he feeds me. We went to PJ's which is a warehouse supermarket. We just wanted to buy a few things and when the bill came it cost us $150.00 for less then 25 things. Is food expesive or is it just me? I tried to use coupons but the ones that I find do not apply to the items that we use. My goal for Next month is try and find a cheaper place to shop like Pathmark or Key Food.
Went to a few garage sales today, nothing to talk about, but it was a beautiful day and I enjoyed it to the fullest.
Yea for the holiday on monday, I am going on a little trip that I will tell you about later.

Spending = 0
Saving = 0


My Bus Penny

October 8th, 2006 at 01:16 am

Found a penny on the bus today and on the ground yesterday

Total Now 3 cents in street money.

Working Today

October 8th, 2006 at 01:14 am

This is the first Saturday that I have worked at my job in a long time. The only reason I worked today is because in the afternoon I was going to attend a Women's expo at the Jacob Javis Center in NY. The cost of the Expo was $15.00. I like going to this women's expo because I give out my fliers for my Lingerie/Toy company.I also see what other businesses are doing.I would have liked to set up a booth at the women's expo but when I called to ask how much for a booth they quoted me $1900.00 for the 2 day event. To rich for my blood. Oh well the day was fun because by working in the morning the job payed for me to go the afternoon event with coffee to drink at the expo to.
Spending
Coffee $2.00
Expo $15.00
Transporation $ 4.00 ( Ny Transit)
Total $21.00

Saving
Working Saturday O/T $100.00

A head $ 79.00

Extra $600 In My Paycheck Today

October 7th, 2006 at 01:20 am

Well the back pay that the City owed us come throught today and I got a extra $600.00 in my check. It will stay in my checking acct to pay the bills. I will Use part of that money say $300.00 as a buffer in my checking acct in case of an emergency. I wrapped my coins yesterday and was suprised to see that over a months period of time we saved $98.00 this will go toward my vacation Fund of course.
I am still trying to think up new ways to make extra money outside the normal idea's of Ebay and such. I was thinking about walking around in the neighborhoods picking up cans for the refund. But I think somebody aready beat me to that idea.
Totals

Spent
Coffee= $1.18 ( for a small cup at that)
Lunch = $3.00
Lotto = $1.00
Total = $5.18

I had a coupond for Lotto buy one get one free so I got 4 games and they cost me 25 cents each game now that's the way to gamble cheap.

Savings
Raise = $600.00

Today I think I am a head.

New Addition For Challenge

October 6th, 2006 at 01:45 am

Sold Another book on Half.com today for $3.00 Yea!

Balance = $ 24
Book = $ 3
Total = $ 27.00

Not A Good Saving Day For Me

October 6th, 2006 at 01:41 am

Today started off well with only spending $3.00 for breakfast And Then....
after gym I took my friend out for coffee that turned into a $13.00 shared meal for us. Spent money but worth it we had fun.

I am getting paid tomarrow so I did my bills tonight and I will drop them in to the mail box in the morning.I am expecting a raise with this paycheck. So I will let you know what it is. We city workers signed a new contract with the city and they owe us back money so it should be in this paycheck on Friday.(hopefully)

Even though I spent some money today I felt good finally sending a check to a charity that I always support. This was a good feeling

Totals
Spent Dinner = $13.00
Charity = $38.00
Con Edison = $120.00
Telephone = $ 40.00
Saving = 0
Total Spent $211.00

Correction it was a very Expensive day!

Found A Penny Today

October 5th, 2006 at 01:32 am

Hey this is the first entry toward Street Money.Which is any Money that I find outside the house.I found at the Gym today a penny. My Goal is to try and find $100.00 by 0ct 07. Hey It's free money and I love me some Free money. Don't you?

Start .01

Christmas Money Has Arrived

October 4th, 2006 at 12:48 am

I got my Christmas club check today.It was deposited into my checking acct.The check was for $645.00. Most of it will go toward Debt. I am going to take out $100.00 for my Alaska 07 trip and $100.00 will go toward my retirement acct which I have a mutual fund for.
I have a Macy's Gift Certificate which I had since last year that has $150.00 on it so that will be what I use for Holiday shopping this year.

Thank You HalfPrice.com

October 4th, 2006 at 12:41 am

Yea! I sold a book today on halfprice.com for $4.00 my cost zero it was a free book. So it's all profit. it going toward my $20.00 challenge.

Start Money = $20.00
Book sold = 4.00
Total = 24.00

Yea! Spare Coins Acct

October 1st, 2006 at 04:52 pm

Happy October All. I counted my spare coins last night.I try and keep all my spare coins in a bucket. As of Sept 30th closing I had $80.00 in Spare coins. It's going toward my Vacation To Alaska in 07. I Know, I know it should go toward my Debt. But I save an extra $200.00 from my bi montly paycheck. That's earmark toward my Debt. And all the coupons and rebates that I might get will be used toward Debt. This is also my lose weight month. So here's the Totals

Saving Total = $80.00