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 :)
Saturday, December 15, 2012
12/15 Expressions
Frugal deeds for the day: I decided to use my ebay $ for a Wal-mart giftcard - that way, we can use it to buy gas/groceries. My daughter and I got our holiday shopping done. This year, we pretty much stuck to giftcards - and about 1/2 of them had bounceback offers - although they can't be used until 1/1/13. I used most of my Marriott points - earn just for making a purchase for holiday trip. Nice that the room includes free wi-fi and free breakfast. I believe that credit card deal was probably the best I have ever gotten in on. Tonight was the community luminaria night. It was beautiful and peaceful.
Thursday, December 13, 2012
12/13 Expressions
Frugal deeds for the day: I sold a book on half.com - yippee, a few bucks and clutter out. Then I got my AMEX Statement and redeemed my rewards points for giftcards - and I qualified for free expedited shipping - 3 days :) My husband is redeeming some air miles and hotel points so that we can take a quick trip over the holiday season. Oh, and yesterday I got in on a Coke Rewards special - redeem 30 points for a 12 pack coupon - nice for the soda-aholic in the family :) Added: Oh, and I checked my AMEX bill - ABC giftcards is a small business and I got $25 back on a Petsmart Giftcard I paid $32 for - which has a value of $36 or $37 :) Pooch gets a cheap hairdoo for once :)
Sunday, December 9, 2012
12/9 Expressions
Frugal deeds for the day: My ebayer finally paid - and I am going to wrap the package up to mail out tomorrow with my half.com sale. I also have a few other items selling on ebay - so, perhaps I will mail out another package or two :) Decluttering and a bit of cash is a good thing in my book. I plan to make a large salad shortly to use up what we have so that I will have a couple of lunches for the next few days. The fridge is finally starting to have some room :)
Added: I made a yummy salad - leftover whole cranberry sauce, artisan lettuce, a bit or roasted chicken, tomatoes, feta, olive oil, red wine vinegar, apple, 1 green onion. I also gassed up the car at Wal-mart and stopped in for a rotisserie chicken. Then to Arby's to get my daughter a peppermint milk shake - I still had a few cents left on a gift card. When I got there, I decided to ask if they still had the buy a $10 giftcard, get the milkshake free deal. Yup! But it gets better - I asked to pay for 1 milkshake and get a free one with a gift card purchase - the manager gave me both shakes free :) They also gave me a nice coupon flyer - the last coupon - good during Christmas week is for a totally free sandwich. And, I sold another item on ebay :) Feels like my lucky, frugal day!
Added: I made a yummy salad - leftover whole cranberry sauce, artisan lettuce, a bit or roasted chicken, tomatoes, feta, olive oil, red wine vinegar, apple, 1 green onion. I also gassed up the car at Wal-mart and stopped in for a rotisserie chicken. Then to Arby's to get my daughter a peppermint milk shake - I still had a few cents left on a gift card. When I got there, I decided to ask if they still had the buy a $10 giftcard, get the milkshake free deal. Yup! But it gets better - I asked to pay for 1 milkshake and get a free one with a gift card purchase - the manager gave me both shakes free :) They also gave me a nice coupon flyer - the last coupon - good during Christmas week is for a totally free sandwich. And, I sold another item on ebay :) Feels like my lucky, frugal day!
Saturday, December 8, 2012
12/8 Expressions
Holiday sights - either the first or second time since we moved here around 6 years ago, our paperwhites have bloomed. I have a picture - but for some reason, the upload function isn't functioning. Today we spent most of the morning decluttering - more stuff added to the consignment store box and we have 3 boxes for donations. Another charitable organization left a note that they will be in the area for pick-up in a week or so - so, we have some time to pack-up a few more boxes. I also threw out some stuff and found some lost treasures. Today, we went to Victoria's Secret with 5 $10 off coupons and got some nice things for not very much out of pocket. We also went to a Thai restaurant with a BOGO coupon and lunches are around $7 - lots of food - so, we brought some home. The food was very tasty to boot. also went to Earthfare and picked up coupon items - $1 stocking stuffers - really nice smelling soap, s'mores, etc. and 2 salad packs (4 salads each). We also took the dog for a nice walk. It has been an enjoyable day. Oh, I skipped hot yoga - went to the weight loss center - and met (surpassed) my first goal - so, now I can carry my new purse from Coldwater Creek! Just tried to upload that picture - and still no luck - sigh! Uploaded a few items on ebay today too.
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.
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