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, August 21, 2012
8/21 Expressions
Frugal deeds for the day: Mail call - I got the above make-up bag in the mail for free. Tonight, my daughter and I got our teeth cleaned (no additional expense - since the insurance covers it) and we each got a bag of freebies - travel sized toothpaste, toothbrush, floss, and our whitener. The creamy vegetable soup I made was so good - I am making another batch. Sweet onion, lima beans, chick peas, small piece of tomato, rest of the basil pesto I made, a bunch of herbs and a bit of chicken stock made from leftover chicken. I will put it in the blender shortly. I got my walk in. I have also decided to spend 1/2 hour "cleaning" a room - then it won't be a daunting task. Yesterday was the kitchen - and today will be the kitchen again - dishes - and mopping. Yesterday I got the counter/appliances.
Monday, August 20, 2012
8/20 Expressions
Frugal deeds for he day: I got around to making scones last night and had one for breakfast this morning - yummy. Since I did not glean enough pecans - I used my cheap raisins from Earthfare as filler - and it was delish :) I packed it with some hot coffee and it was great for Monday a.m. I also made some biscuits last night. Today, my daughter is running her own errands. She found out she needs a book at Barnes and Noble - so, she clipped a coupon and took a discounted giftcard to get it. She also needed art supplies for an art class - she went to Michaels with a coupon and a discounted giftcard. Dear old mom is setting out to walk for some fresh air and free exercise. I already had soup and salad made yesterday for dinner. Makes for an easy and frugal Monday!
Sunday, August 19, 2012
8/19 Expressions
Frugal deeds for the day: Today, my daughter finally decided to learn to sew and her first project was to remake the pictured dress. She got it from Antropologie for an additional 50% and it is silk - so, she got a pretty good deal. It would make a nice summer dress, but she never got around to wearing it. Now it is in the process of being upcycled. So far, we added think elastic around the bottom half of the arm holes to cinch it up a bit. We cut off excess fabric so that it will be a shirt, instead of a dress. She finished the edge and will hand hem it. The fabric that was cut-off will be made into sleeve caps to get rid of the summery look - and will be suitable for school wear. In the mean time, school starts tomorrow - so, after finishing the edge, she left to bond with some of her friends before they get down to the serious business of studying. So, hopefully, the shirt will be completed by next week.
Last night, I had a hard time falling asleep. So, I watched "CREATE" - on PBS. I was so inspired by the cooking show - today, I made my own soup - browned/boiled/blenderized (is that a word) - and now, I have a nice creamy soup - broth made of bits of chicken and leftover bacon. Spinach on it last leg, sweet potato fries the family decided tasted a bit weird, sweet onion (Aldi keeps me stocked with cheap onions), frozen lima beans (bought a bag about a month ago because Dr. Oz said it is really good for you), and a bunch of herbs - fresh and dried.
Then I decided I had some excess energy - so, I went outside and weeded - I did a pretty good job since we have a picky HOA - and burned off a few calories. Then, I dug out the hammer and cracked the pecans I found. Let me tell you, I know why they are expenive - lots of work for little bounty. Also, those squirrels are pretty smart - a majority were either dried out or too "green" - so, I probably got a good tablespoon for my efforts. And we have a bit of heavy cream leftover - my daughter made buttercream frosting that called for a bit - and she made a wonderful creme brulee earlier this week - but we have about 1/2 cup left and at $5.XX per quart (she didn't find any on manager's special) - it will not go to waste. So, I am making maple scones - a recipe I found on recipezaar shortly. I also made a nice big salad before my artisan lettuce went bad - and since I only had a bit - I added black beans, diced tomatoes/jalapeno peppers, and feta cheese - I got a great deal on at Publix a couple of days ago. So, I am ready to face next week - menu - wise. I will also be cooking some turkey burgers with the scones - so, easy quick meals. I am hoping I can get myself into walking before work - since I start an hour later - but, my lazy tendencies kicked in - and I have enjoyed sleeping in more :(
My hair appointment had to be re-scheduled at the school - so, I am going to trim my own hair and give myself a manicure shortly.
Oh, and I fnally got around to doing some paperwork - somehow, our beneficiary forms for our 401K equivalent account are no longer posted. Somehow, they have become a bit more complicated. Not a really big deal - because if the form is not available - the beneficiary order of precedence is what we want - but we are not sure if the beneficiary would have to go to probate first - so, we started filling them out - now they require two witnesses who are not beneficiary - so, they are filled out and we have to co-workers to witness them and fax them in tomorrow. Also, my husband promised to fill-out the form to get our penalty back from the IRS. They agreed that our reasoning for the underpayment this year as being a one-time event - and sent the form for us to fill out. He swears he will fill it out. Any cash we can get back will be great.
Saturday, August 18, 2012
8/18 Expressions
Frugal deeds for the day: Mail call: received a sample size Tom's of Maine deoderant and a $1 off coupon and a free Good Housekeeping Magazine. Sadly, I received my last issue of Smart Money yesterday - it will cease publication. I did get an offer to receive the weekend WSJ or Barrons weekly magazine. Our retirement accounts have hit a new high - not sure if the "election effect" is kicking in - but it is much nicer than the balance going down. I also stopped at Dollar General Market - wow - they have 7.XX ounces of Softsoap Bodywash at an everyday price of $1 - use the .50 for a good deal - but I also had the $5/$30 coupon that is only good today and stocked up on several items including dishwasher detergent. My daughter has convinced me that the brand name stuff seems to work better in our washer. I may try the homemade stuff eventually to see if does well.
You know you might be frugal when: you purchase 2 bottles of Sundown vitamins for tax (combined a Publix coupon and two manufacturer's coupons) and get giddy that it has long piece of "cotton" - great for removing nail polish :)
The my daughter, the dog and I went for a walk - I took a small bag and picked up a dozen or so pecans. I will need to shell them - but pecans are prety pricy.
My husband edged the yard. Tomorrow, my daughter and I will finish up the job.
You know you might be frugal when: you purchase 2 bottles of Sundown vitamins for tax (combined a Publix coupon and two manufacturer's coupons) and get giddy that it has long piece of "cotton" - great for removing nail polish :)
The my daughter, the dog and I went for a walk - I took a small bag and picked up a dozen or so pecans. I will need to shell them - but pecans are prety pricy.
My husband edged the yard. Tomorrow, my daughter and I will finish up the job.
Friday, August 17, 2012
8/17 Expressions
Frugal deeds for the day: Today, my daughter and I headed our early for errands and around 9 AM stopped at Burger King for a quick bite. She wanted French Toast sticks - 3/$1 or 5/$1.99 - you know what she chose since she was so hungry - 2 3/$1 orders cuz she gets the 6th one for a penny. My husband helped me track stuff down at Publix - we saved around $48 and spent $40 including tax - so, over a 50% saving. I hand mended one shirt for my daughter - and then took a nap.
Thursday, August 16, 2012
8/16 Expressions
Frugal deeds for the day: Tomorrow, my daughter and I are going to go sit for an identification card. So, this evening, I have printed out coupons, have gathered coupon inserts, etc. and I hope to put together another "cheap" shop at Publix - possibly tomorrow afternoon. I also plan to take my "free" decorator pillow kit from the British knitting magazine I got - in case I really need to stay busy - and a cooler of water and a few snacks. Perhaps a thermos of home brewed coffee too. My daughter is negotiating with a classmate for car rides to and from school. Perhaps a budding entrepeneur . . . I received a rebate check from Staples making my 2 packs of printer paper .01 plus tax each. Also picked a few more tomatoes, used the last of the purple onions, and previously chopped and frozen green peppers and stir fried them with the vegetarian kebob "meat" with a bunch of spices - turned out to be quite tasty and will be eating that for lunch tomorrow too.
Wednesday, August 15, 2012
8/15 Expressions
Frugal deeds for the day: I think a few frugal lightbulbs have gone off in my daughter's head. This week she realized that although we have not subscribed to cable for years now, clean our own house, do our own lawn - doing those things enables to spend in other areas that are important to us. She realizes that we really don't miss cable because we don't have much time to watch tv. She even pitches in more with household chores. Last week, she saw a dress marked down from $4xx to $45. We let her purchase it with her own money. She got it in the mail today. She tried it own and there was a that look in her eye. She really wanted justification to keep. First because it was such a big discount, but then she said it didn't fit well and she'd probably only wear it once. So, on her own, she has decided to pack it up and return it tomorrow. No matter the discount, if you don't need or want it, it isn't a "saving".
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