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 :)
Monday, December 3, 2012
12/3 Expressions
Frugal deeds for the day: Tonight, we ate a sorta free gourmet dinner. It was our HOA holiday party and the food was catered - and yummy. Mail was excellent too: I got a rebate check - and a $5 off Millstone coffee coupon - not sure if I won it or what - but I am trying to spend as little as possible on coffee grounds.
Sunday, December 2, 2012
12/2 Expressions
Frugal deeds for the day: I made cranberry/orange scones today from fresh cranberries and zest from one my oranges. Not all that pretty - but they were tasty - and the pieces missing were from three people trying them out - not just me. I sold 1 item on ebay. Have my half.com and listia.com sales ready to go. Just waiting for the buyer to pay. I have two crafts ready for lunch time this week. One will use 2 of my daughter's childhood t-shirts for an upcycled "scarf". The other, already crocheted rectangles that I will stitch together to make my daughter an interesting infinity-type scarf. I changed out the front door wreath. I now have our holiday wreath out - purchased 4 years ago - I think from Goodwill. Still looks as good as it did then.
Saturday, December 1, 2012
12/1 Expressions
I can't believe it is December already. Believe me, I am ready for it. Anyway, the dog got groomed with a discounted Petsmart Gift Card. I sold another book on half.com I am waiting for my auctions to end on ebay tomorrow and my item on listia. I also hope to list a few more items too. We shall see, but I am hoping to get this house declutters and in shape to sell by the summer of 2014. That seems a long ways away, but in reality, it would probably take that long to get everything in order. Part way through this month, we will have 2 vacancies. I am hoping they both get filled quickly. The attorney filing the BP claim keeps sending me e-mails that he is going to call me shortly - uh, stop e-mailing me that you are going to call - and just e-mail me what you want to tell me. Is that so hard? I have been playing with the Rule 72T distribution calculator here: http://www.bankrate.com/calculators/retirement/72-t-distribution-calculator.aspx Why? Once the house is sold, I am thinking of taking a "deferred" retirement. So, I can start drawing down my 401K equivalent until I hit my minimum retirement age.
Monday, November 26, 2012
11/26 Expressions
Frugal deeds for the day: I received a rebate check in the mail. That was a nice surprise. I did NO cyber-Monday shopping. A first for me. This year I will probably give gift cards from my credit card points. Oh, we are doing a gift swap at work - and I have the perfect gift in the closet :) My daughter made an appointment to take a few more items to the consignment store. Dog's Petsmart appointment has been made. Only rocky news, 2 tenants have given their 30 day notice - both leases expired. Hope they fill soon after they vacate.
Sunday, November 25, 2012
11/25 Expressions
Frugal deeds for the day: Eventually we plan to sell the house we live in. We have a lot of stuff. For some reason, the older I get, the less stuff excites me. So, I found 5 things and listed them on ebay. I found something to list on listia also. When my daughter and I went to the consignment store, we noticed they opened a "home good" section - so, the pictures that are prefectly good from the condo will be cleaned up and taken during the next appointment. Also, we have used the vet at Petsmart a few times. She is really good with the dog - albeit a bit busy - but a lot cheaper than our regular vet. So, the regular vet sent a post with routine stuff that needs to get done. We have never walked out of her office for under $150. So, we will give Petsmart a whirl - and hopefully save a few bucks and get great service - at a more convenient location.
Added: Speaking of Petsmart, late in the afternoon, ABC Giftcards sent me an e-mail stating they were part of the American Express Small Business Saturday Deal. I guess I cold have registered both of my Amex cards, but I only registered one, and purchased a Petsmart gift card that was discounted 15% - as close to the $25 as possible - I think I spent $32.XX - and hopefully, I will get a $25 statement credit. Hows that for saving on pet expenses?
Added: Speaking of Petsmart, late in the afternoon, ABC Giftcards sent me an e-mail stating they were part of the American Express Small Business Saturday Deal. I guess I cold have registered both of my Amex cards, but I only registered one, and purchased a Petsmart gift card that was discounted 15% - as close to the $25 as possible - I think I spent $32.XX - and hopefully, I will get a $25 statement credit. Hows that for saving on pet expenses?
Saturday, November 24, 2012
11/24 Expressions
Frugal deeds for the week: My daughter and I made a quick run to CVS to use a $4 off $20 coupon and the ecbs I had earned earlier in the week. Black Friday - I did not leave the house; tried to order a freebie on-line - the site was slammed - and I gave-up. I did sell an item on half.com. Today, my daugher and I took some items to the consignment store and found articles of clothing that we will upcycle for her. She and a group of friends did go to some Black Friday sales. She ended up buying one pair of boots for $19.99. I am glad she did not get caught up buying things just for the sake of a sale. We still have leftovers - so, we bought minimal items are Kroger and Aldi to get us through the week.
Added: I did stop at Aldi to pick-up a few items to round out the leftovers. There was a clearance bin and I got a .25 jar of all natural butternut squash pasta sauce and a .25 box of ingredients to make pumpkin whoopie pies. And, in the spirit of not going overboard, although there was plenty - and a few other pumpkin themed items, I only purchased 1 of each in addition to the items I had on my list.
Added: I did stop at Aldi to pick-up a few items to round out the leftovers. There was a clearance bin and I got a .25 jar of all natural butternut squash pasta sauce and a .25 box of ingredients to make pumpkin whoopie pies. And, in the spirit of not going overboard, although there was plenty - and a few other pumpkin themed items, I only purchased 1 of each in addition to the items I had on my list.
Tuesday, November 20, 2012
11/20 Expressions
Frugal deeds for the day: AMVETS picked up 4 bags of clothes, some stuffed animals, and a cork board. That's a start toward decluttering and I they left a tax receipt. My husband received his cookware from the Proctor and Gamble offer I did several months ago. It was buy $XX worth of P&G products and get the cookware. I got a rebate check and sold a DVD on half.com - which I will mail out tomorrow. And to use up some of the first class stamps I earned as a mail decoy, I have placed some stamps on the recycled envelope and will pay the difference with the change in my purse.
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