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 :)
Tuesday, October 26, 2010
10/26 Expressions
Somedays I feel like the luckiest person in the world - or perhaps I am just easily entertained. Anyway, I played the "Million Morning Smiles" instant win http://strudelsmiles.pillsbury.com/?cid=p1core%2Dtbx07%2Ef%2E1800%2Fae3bd%2F5fb%2F8da13c38%2Ec2e8a4a2ca3787762a06c1385f4290fa and won a month's worth of Toaster Strudels. I ordered shoes for my daughter and myself a couple of days ago from 6PM.com when the shoes were under $20/pr and a flat $6.XX shipping - I went through mypoints to earn a few points too. The shipment came quickly - and we are very pleased with our choices. I am not being paid by either company to say these things - the opinions are all my own :)
Monday, October 25, 2010
More 10/25 Expressions
We got the $150 Visa card for buying our refridgerator a couple of months back. Part of it was luck and part of it was over-coming a bit of laziness. When the State announced the rebates - I reserved a rebate. Well, sales came and went and my fridge had not actually quit. So, then it was announced how the program was a success - and it was over. Then our fridge did finally give-out, and we bought a new one - good thing it was during a holiday sale - so, we got a great price anyway, and a rebate on the delivery/pick-up. Then I read about once all of the claims were processed, there was money left as many people (me included) had not followed through. So, with a few pieces of paper, envelope and stamp - we filed for our rebate - and we are happy to report - we got it today! The UPS guy also rang the door bell - he brought me the 3 bamboo cutting boards that gave the $15 credit - I think I spent just over $6 for the 3. They are nice and I appreciate it. But, shipping/receiving seemed kind of slow . . . I wanted to take the largest one to the condo. We aren't planning on going down anytime soon - may be we will change our minds.
10/25 Expressions
Today is the home-made chicken noodle soup edition :) Both my daughter and I are home with something. Mine is a sinus infection and hers is a cold. To help us along - I took some home-made chicken broth out of the freezer, a couple of cans of chicken breast meat out of the pantry, carrots and onion from the fridge, noodles from the "Italian" basket we "won", a bit of mashed potato flakes, and "Good 'n Garlicky" spice from Herb'n Renewal - I sweated? the diced carrots and onions in olive oil also out of the basket. The entire concoction is now simmering on the oven - and hopefully, we will both be eating an early lunch and then take a nap. Not a frugal tip as I understand electricity and water costs more during "regular business hours" - but I have my washing machine running and hopefully, I can catch up on laundry too. This weekend, we went to the German restaurant and enjoyed their festive atmosphere - but it seems their 1/2 priced gift certificate rules have changed. Only 1 gift certificate per visit - even though when you purchase $50 in giftcertificates - and they used to send a $50 certificate - now they send 2 $25 ones - so, that was a bit of a bummer. I realize it is better for them and their business. We were able to get a few good deals at Rite Aid combining sales, UP rewards, and coupons. Saturday, I used a home-mailer coupon for a free 6 pack of Pansies with any purchase at a local nursery. I purchased a pack - so, it was a BOGO deal for me. So, my front planters now look a bit festive with the Pansies planted - well worth the $2.50 out of pocket. Still trying to convince myself to get a few mums.
Friday, October 22, 2010
10/22 Expressions
This week I feel like a money magnet :) The realtor called, she has approved new tenants for the house vacated by the divorced couple - so, we are "out" less than a month's rent - since the couple moved out late and were paying a daily rate. UPS just brought me the $200 Petsmart giftcard for buying our Honda Element - good thing I looked on-line for that one because the dealer did not mention it. Then, as I was leaving work today, I was notified that I was approved for a small bonus. The mail box held a few goodies for me too: Johnsonville Sausage samples, a coupon for free 20 oz Pepsi, and a coupon for a free can of Pringles Exreme. What didn't work this week - yesterday I tired to use the $5/$25 Dollar General coupon at Publix because we have a Dollar General Market down the street - Publix claims they are not a competitor because the Market does not provide custom meat packages - a bit hokie for me - but I went with it. I still saved quite a bit with coupons.
Monday, October 18, 2010
10/18 Expressions
Frugal deeds for the week: last week JCPenny finally acknowledged that they had converted computer systems - and some how - my sofa sleeper order was cancelled. They took $200 off my order - much apprciated - and said they would do all that they could do to expedite the order. I see the $200 off - but don't see any "expediting" yet. This past weekend - we went to two concerts - Friday, Bon Jovi, and Sunday, Brad Paisley. I won tickets to Brad Paisley - we rented someone else's condo to get Bon Jovi tickets. The whole point was to stimulate the economy - and I guess we did - frugally. One night, we used hotel points though. In any event, it was a wash financially for us, since our unit was booked by someone else too. We used several of the restaurant.com gift certificates. We stopped at the gift store for a couple of gifts - one for grandpa for babysitting the dog - we got BOGO sweatshirts - and they gave us 2 small token gifts too. We saw the big boats - but did not watch the "Thunder on the Gulf" races. Since we don't have cable at home - I did watch some reality tv. I was also able to knit another pair of slippers on the trip. Came home to a bunch of mail. The realtor called and she thinks she has a tenant lined up for the house recently vacated by the soon to be divorced couple. Looks like the stock market behaved too. Oh, and I ordered a 1/2 priced gift certificate to a restaurant - and I got it in the mail. We will be taking Grandpa to enjoy their version of Octoberfest - live German music, etc, in addition to the authentic food next weekend.
Thursday, October 14, 2010
10/14 Expressions
My daughter and I attended a dinner and silent auction to raise funding for art programs in the public schools. The dinner was fantastic - and we "won" a large "Italian" food basket, gift certificate for a couple of hair cuts, and a watch. Those coupons that come in the mail for local restaurants and retailers are getting better - which makes me think the economy hasn't quite recovered around here. I also ordered 2 more 1/2 priced restaurant gift certificates. One for a German Restaurant . . . next weekend they are having an "Octoberfest" - music, etc. So, what a deal :)
Tuesday, October 12, 2010
More 10/12 Expressions
Murphy USA sent me another e-mail/coupon for a free King Sized candy bar - I believe I love this company :) I checked my retirement account - I am slightly above my "high" in 2007 - which makes me hopeful. Uh yes, I realize that means I am still "behind" - as I have been contributing since 2007 and have been getting contributions - so, it has taken just over 3 years to recover . . . And, I checked on my sofa sleeper from J C Penney. Sad to say, there was a glitch in my order - not cancelled like Target - but something like they were suppose to immediately verify something with my credit card company - and they didn't - until I called because I am paranoid and the couch was suppose to ship yesterday. But, they were much more customer service oriented than Target. They said they will open a "case" and either give me compensation or somehow expedite shipping - because as it stands now - under normal procedures - the company "just got my order today" - instead of a month ago - and has 4 weeks to ship it . . . my dilemma - I put this order on that credit card whereby I am suppose to charge $750 in x number of days and will get 50,000 air miles (that I am planning to use for a trip to France next summer) . . . so, I will check those details out tomorrow - and if nothing else, I will charge the least expensive property tax on my card early. It is worth the flight to France to me. I asked if they could charge my card today - nope - charges hit when the item actually ships - which under normal circumstances would be my wish - sigh.
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