The last day of 2006 and I am really ready for 2007. My goals is to lose 50lbs and to put some major money into my retirement, vacation, and debt acct. I owe my mother 65,0000. over the course of 10 years and I have to make her first $7,000 payment today. Thank God I saved for that and that was hard to do but I did it. And the $20 challenge for me starts today. I wish everybody a happy and safe new year. Also this year I am starting to count all the money that we spend on eating out and food shopping. We spent $800.00 in a 2 month period. That's to much for 2 people. I will do better this year! Oh well happy 2007!
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I never used coupons that much because I never seemed to get any good coupons to use. But effective christmas eve I will be using couponds when I can get them for the tings that I use and I will be putting the money away toward my $20 challenge that I will also start today.Reason for the renewed coupon interest is because My co-worker gave me a cute coupon holder for christmas that I want to use and to save money of course.
I rolled coins last night total $85.00 this goes toward $20.00 challenge and vaction.
I made sure to buy some dolls and race cars and give to toy for tots I do this every year. The feeling is priceless.
Just want to say To all Have A Happy And Safe Holiday!
The holidays are here and I am rushing them away. I can't wait for 2007 so that I can really focus on my goals of losing weight before my July cruse, Getting a tenant into the other house that we have, we are in the process of fixing it up to rent out. And Looking more into puting money away for retirement. That part is scary to me.
good news my boss at work stated that she is taking us out for to lunch christmas and she paying Yea!
Nothing to much on the saving front. Just trying to get the bill payed for the month. Even thought I have an so called extra check(I get payed bi weekly) this month can you believe that it's spent already on bills.
Hope everybody have a safe and blessed holiday.
Just got a notice about my property tax bill it will be going up a extra $120.00 for the year 2007. I remember when I used to pay $350.00 every quarter now I am paying over $600.00 every quarter forthe same piece of property tax. Things keep going up and My salary never catches up to the bills.
I will be glad when January get her then I can start looking for a part-time job to help me with these bills.
This month so far saving has been zero and spending has been excessive with eating out more then we need but to. This will all be cut on in 2 weeks we are going to be doing a lot of belt tighting in the new year.
Thanksgiving was wet, cold and we stayed in and cooked,slept, and watched T.V a good day.
Friday we went to a guy who was selling barbies bought $200.00 worth( I collect barbies) But these are good for resale. they are old and mint in box. Yea Barbie!
Saturday Got a free scratch off won $40.00 which will go toward $20.00 challenge.
Sunday. Cleaned the basement and listed things on ebay for the christmas season.
Overall saved a little spent a lot but I am looking forward to Dec 1th to really start my saving plan.
Happy Thanskgiving to all. Now Tues was as follows, My partner is retired and works parttime on computers at a school, Another job came in for in to work at a different school on computers so he will be working 2 days at one school and 2 days at another Yea. This spells extra money for our trips. Me I took advantage of ebay's 20 cent sale and listed a whole lot of things for the holidays. I won $4.00 in scratch off tickets. So yea again Tuesday was a very good day for making money. My spending has been out of control with thanksgiving and buying extra food items and eating out we spend into uptil now about $200.00. But staring tomarrow things will be different.
This was a suprise to me, Yesterday was payday, My co worker was saying how her paycheck was low and asked me to look at it to see why. When I looked at all her deduction from her check. Money was being deducted from her check in the amt of $150.00 every 2 weeks form her credit card company's collections dept. Because she owes them $4000. it was 2000.00 but with interest and late payments it turned into 4000. I was so made at her and shocked at the same time. We make little as is for people living in New York and for her to go and let someone take her money for her stupid purchases that was probably not need. she could have taken that $150.00 and put it in saving for her kids or something that would benefit her in the long run. I tried to explain to her what was going on with her paycheck and her answer to me was "that's part of life being in debt and I said "yea ok" and walked away.
With Thanksgiving just around the corner, My office mates today were talking about having a x-mas party. They decided to have the party at the Olive Garden in Manhattan and they stated that they wanted $10.00 each from each person in the group gift for the manager's gift. she's nice but... $10.00 is kinda expensive for my right now. oh well guess I have to skip something else to make up for.
As far as Thanksgiving I am going to Pathmark food shopping they have the 10 items for $10 sale. Me and my mate are doing this holiday very quite a small dinner for two and some videos that we get from the library. That's all for us.
With the holidays here so is the spending.
Just wanted to share a interesting event yesterday. Yesterday I went to an estate sale. The man that was having the sale was giving everything in the house away for free. He said he just wanted to get rid of it. There was a fair amount of people inside not to much stuff was in the house. But I came away with a nice boiling pot in white, camera, tape recorder all free. I love when you get free stuff don't you.
Beside the weather being nice, We had a great sunday selling at the Flea market.Yesterday we said we were just going to try to make the rent and the inventory which we did to day was our profit and yea we made over $200.00! And I met a guy that said he would sell me some old barbies from his daughters who are now grown up and do not want them once he gets them out of the Basment. Did I mention I love barbie olds ones at that. And I am proud of myself I did not spend one dime at the flea market. We brought our own food and drink. So all day I spent basking in the sun and making money.
We still have a long way to go for our bills and vaction to be paid off.But by doing flea markets for the holidays hope that put some extra in our pockets. Thanks to all for all the great support that you give that is why I love this place. There are always great people here.
This is the weekend that me and my partner do a weekend flea market. We do this event every year. Today was a good day we made over $150.00. Which will go toward growing our flea market business and bills. We hope Sunday will be a little higher.
On another note I failed at just taking $40.00 weekly to work with me this week. But I am going to try again until I get it right. I spent about $25.00 over what I was suppose to this week. But over all this has been a very good money week for me With found money and unexpected money comming my way.
Yea! For November so far . Just got an unexpected check from the city for a tax progam that I have with my home mortage. The governer gave us a $57.00 refund. Yes I love unexpected and found money don't you. This will go toward my Alaska Cruse Next year.
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.
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!
Spent Food $90.00
Returned Bottles $1.50
We must do better!
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.
Larning alot from seminar priceless.
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.
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!
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
Garage sales $ 7.00
Food Out(lunch) 6.00
Savings Total 0
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.
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
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.
Transporation $ 4.00 ( Ny Transit)
Working Saturday O/T $100.00
A head $ 79.00
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.
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.
Raise = $600.00
Today I think I am a head.
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
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!
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.
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
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
This was my Garage Sale Hunting day. The day Turned out ok. Some good finds, But I found out that things that I use to buy for 25 cents to $2.00 last year cost me $2.00-$5.00 now , Boy garage sale items are getting expensive.
Found some Good books, Video Tapes, and Toys for Ebay and Half Price.com total spent for Garage sale Items $14.50 My Biggest expense was taking my Partner and me out to dinner Cost $30.00. Now I know why people say Don't eat Out It's expensive. But we had enough food left over for a doggie bag.YA! So no saving day for me. I plan on working on my saving plan Hard for the month of October.
Spending Total = $44.50
Saving Total = 0
I loved to play Lotto, (past tense) I would buy scratch off cards at $1 to $5 and I would play the megas and regular lotto when the pots were high and when they were not. I decided to save all my tickets for one year and I added them up and foound that I spent $987.00 for that year in lotto games. Know what I could have done with that money. I was sick when I realized how much I wasted on a game. That game gave me little wins like $1-$40 every now and then. After getting over my sickness I QUIT PLAYING! Now I save the money that I would have spent on games and put it to better use.
Saving's today $2.00
Found dollar on ground $1.00
Total saving's day $3.00
Have a great savings day!
Today I actually took advantage of something that was free. And it was something that I Love Coffee. Mcdonald's is having a free cup of coffee week.
So I had one today by doing this I saved $2.00 that would have went to Dunkin Donuts (Mummm I Love that coffee to!) I have decided that all the money I save from coupons and return bottles and such will go into my ING acct. That money is for paying off debt Only!
Amt toward debt $2.00.
It's a start!
To all Have a great day!
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