We are a family of three in transition. We spent years being frugal and are now at a crossroad. We'd like to retire from our day jobs in two years or less. Our retirement goals are to provide our daughter with the best education she desires; travel; and find new careers - perhaps part-time that we really enjoy. I hope to post both "frugal" and "personal finance" information. NOTE: I am not a professional on either subject. My posts are purely entertainment :)
Thursday, April 2, 2009
4/2 Expressions
On the new tenant who wants to buy the house - he still wants to buy it - but apparently has one on the market he has to sell first. So, for now, in his rental contract - he has a right of first refusal. Other frugal things I did this week, I took 11 items to the consignment store and picked up two small checks. Dinner tonight was cooked in the crockpot. I also cut a fabric I've had around here forever to make my daughter a dress.
Sunday, March 29, 2009
3/29 Expressions
I have found a silver lining to this "economic downturn". I have always been a bit on the frugal side. More so than the rest of my family. And to some extent - the rest of the family (before the "downturn") tried to keep it a secret. Although I do talk about money with my daughter, and for the most part, I think she gets it pretty well for someone her age - I secretly found most of her cohorts' attitude about money disappointing. Last year, we had sleepovers, took groups of kids to events, etc. Did they say thank-you? No. Did they offer to pay? No. You get the idea. Things started to change last summer. We took one of my daughter's friends on a work/vacation with us. She is one of the more "sensible" of the friends. Anyway, to cut down on food expenses, I bought bagged salad and salad dressing to eat at our condo. By the last day, after everyone else used the dressing - it was empty. I just dumped a bit of milk (it was "Ranch"), swished it around and poured it on my salad. My daughter's friend was amazed. She said she would never have thought of it and at her house, they would just throw the bottle out and buy a new one. Fast forward this month. My husband volunteered to drive to an event since the school could not afford to rent a bus. My husband had two additional passengers. One a neighbor's child. My husband was taken aback as this child offered up gas money - and both thanked my husband for volunteering to drive. My husband did not take the money - but, I think she is learning something. Then another child asked my daughter to spend the night. My daughter replied that she couldn't - but perhaps they could go to a movie. The girl chimed in, "I did a bunch of chores this weekend", and my mom took me to the movies yesterday. I don't want to do any more chores this week and I don't want you to pay for me, so, I will pass". Push me over with a feather. I think lessons are being taught in the home that weren't in the past. Lessons we've all heard before - "money doesn't grow on trees" and "don't take things for granted" - and probably a whole lot more. And just to drive my family crazy this weekend, I picked dandelion greens (our back yard is fenced and we do not use any types of chemicals on the lawn) for a stir fry that I will enjoy on my own. Planting vegetable seeds will have to wait for a sunnier day - hopefully sometime this week.
Friday, March 27, 2009
3/27 Expressions
Today, I spruced up my feet. Spring has sprung and I considered going to the nail salon. Anyway, I work with several ladies who swear by the "Pedi-egg" - sold at CVS for $9.99. So, I figured I'd spend that and more to get them "done" - so I gave it a whirl. I'd have to say it was 'meh. I now have moisturizer on my feet under socks. I swear I read something along those lines somewhere about softening them up, etc. Tomorrow, I plan to give myself a pedicure. All this trouble so that I can be "presentable" in sandals. Also, my wonderful husband finally finished our taxes. We get a small refund from the State - so, it was mailed out today. Too bad we owe a bit on Federal - so, it won't go out until closer to the deadline. As for selling the rental property, it is on hold for now. Seems the guy checked out to rent the place, but doesn't seem to have what's needed to actually but the place (yet?). Not sure what the entire story is, and am not really sure I want to know. So, we shall see.
Thursday, March 26, 2009
More 3/26 Expressions
We moved from our last primary residence just over two years ago. We rented the place out because we weren't sure if we'd like our new area. Or perhaps because we became attached to it since it is the house associated with the birth of my daughter, we lived there for a long period of time, yada, yada. Property values have dropped a bit around here - but nothing like some "hot spots". Our renter moved out last month and the agency has been trying to find a "qualified" (one with a good credit rating and ability to pay) tenant since the beginning of the month. Today, I get a call and there is tenant interested in renting the place - but wants to buy it too. I am thinking we can sell it without any capital gains because we have not rented it out for more than 3 of the last 5 years. Not that there'd be much in the way of gains - but it would make it more ideal if there wouldn't be any taxes against it. I will be discussing it my husband tonight to see if there is price we'd be "happy" with - but than a price we'd be happy with - it would be the net sales price - I am not sure what the rental agent is thinking - but she deserves a commission - but, I am not willing to fork over 6%. Also, although we did some upgrades, and have kept the home well maintained, you never know what buyers' will ask for. So, somthing to think about indeed.
3/26 Expressions
I have been under the weather and have been home all week and will be until Monday. I can say I am happy to have health insurance - but even so, having to pay deductibles have added some "unexpected" expenses. I sure thought it would be nice to just sleep in and relax - and for the most part, it is :) I didn't buy groceries for this week - until today. It has been fun creating meals out of the stuff I have/had in the pantry. But, I gathered up my coupons and headed to Kroger. I must say, shopping mid/toward the end of the week yielded me with a lot more "manager" specials. I got lots of fruits and produce today as well as stuff I was out of and I am under budget. A few days ago, I made long night shirts for my daughter and I using advertising t-shirts and polo shirts my husband no longer wanted. I have been sorting through things around the house to get a small load of stuff to take to the consignment store - mainly so I don't have to just drive there to pick-up a check. At work, a former co-worker is being thrown a baby shower - I need to come up with a creative gift - I have two weeks to come-up with one.
Saturday, March 21, 2009
3/21 Expressions
Today for lunch, we used my birthday freebie at Red Robins - a Gourmet Burger and of course they also provided a nice sundae too. I switched my burger with my husband's salad and soup and he ate most of the sundae with a few bites going to my daughter. Though not free for the three of us to eat, the food was delicious and we enjoyed ourselves. Then over to Maggie Moo's. My daughter and I split a free regular milk shake - yum. Then we browsed the bookstore. Then to Wal-mart with my $20 prepaid VISA card (it expires in a couple of months and I sure don't want to not spend it) and my $10 Wal-mart giftcard from Mypoints. My daughter needed a few school supplies, so we got what she needed, seeds for a veggie garden, 6 6-packs of annuals, some groceries, and I splurged and got myself the "ALL YOU" magazine. I like the coupons in it (and the articles too :) - but my daughter loved the coupon for a free mascara. I ended up spending .54 out of my wallet for the entire shop. I have to say, since I am watching our grocery budget closer, I think we are eating better, and I can say I have lost a bit of weight. Watching the grocery shopping means I am buying less snacks, more fruits and veggies. Also, I have made some creative soups. I let very little go to waste. Those bits and pieces and stored in the freezer. Then, I made soups or add those bits to stir fried brown rice or noodles. Tomorrow is our "free" lunch out - courtesy of a relative in honor of my birthday.
Friday, March 20, 2009
3/20 Expressions
We combined my husband's business trip with a short "Spring break" trip for my daughter. It was nice just to get away. Even though housework called, no way to do it if we aren't home. We got USA Today's delivered to our door for free. Today's paper had a coupon for a free "Amp up" or something like that energy drink in the "Life" section. We came home to a couple of rebate checks too. Spring has sprung and I hope to get a few plants in the ground tomorrow. I am going to take my $20 pre-paid Visa to Wal-mart and see how far I can stretch it between a veggie garden and some decorative annuals for our front yard. As far as additional birthday freebies Wendy's sent me a coupon for a $1 off a premium combo. But as an anniversary gift, Maggie Moo's sent me a coupon for a free regular shake. And, my daughter just showed me some fashionable scarfs that have been crocheted with sequins added costing between $140-$175 - uh, I think it is about time she learned how to crochet. I said I would help. I believe for $10-$15 in materials and some time, she can make her own.
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