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, February 11, 2013
2/11 Expressions
Freebies for today: I got 10 Forever stamps for being a mail decoy, cashed in for $34 in statement credit, cashed in for a 20oz Coke. Yesterday, I listed another item on ebay.
Saturday, February 9, 2013
2/9 Expressions
Frugal deeds for the day: Today, I sold 2 items on ebay and 2 on Listia - more "junk" out, and money and credits in. I also got a free pizza at Kroger - courtesy of Kroger's generous coupons sent via mail. However, I was suppose to get a Pepsi Next free - 2LT - but it is not showing free on my receipt. Good thing my husband loves the stuff. Anyway, I purchased 2 "Annie's" Mac 'n Cheese and will be sending in for the "herb garden" - can't beat that. I also think I won a giftcard and a book from a blog give away - will post the link once I receive it :) I think the book will be interesting - especially since it is personal finance related. And because the weather is cooler again - I made a crockpot of soup - frugal and healthy.
Friday, February 8, 2013
2/8 Expressions
Frugal deeds for the day: Today, I received my discounted Wal-mart giftcard purchased with ebay paypal. I also redeemed Coke rewards points for a coupon for a free 12 pack of Coke for my husband - and of course with the points on the pack - I can start saving for another coupon. I also redeemed recyclebank points for 2 magazine subscriptions. I activated my Kroger Visa Card - spend $200 in 30 days and get a $75 statement credit. While $75 is not as high an amount as other card bonuses - the "spend" amount is fairly low. I still think it is a distant second to the Marriott Credit card where the approval triggered a nice reward, then, just 1 use triggered an even nicer reward.
Tuesday, February 5, 2013
2/5 Expressions
Frugal deeds for the day: My daughter and I won the coin toss for a free Papa John's pizza. My husband did not. So, my daughter ordered a pizza for us and I sent my code to my husband so he could enjoy one in our "other" house.
Monday, February 4, 2013
2/4 Expressions
Frugal deeds for the day: I have been using samples up these past couple of days: shampoos/conditioners, toothpaste, and body wash. I got a $10 code from JCP today and ordered 2 towels to be delivered to my local store for free shipping. I ended up spending $4 out of my paypal account. Since I am taking hot yoga, I use a lot of towels. Added: Earned 100 easy recyclebank points and when added to my balance - was able to order 2 magazine subscriptions. I upcycled an animal print scarf to make it look more whimsical.
Saturday, February 2, 2013
2/2 Expressions
Frugal deeds for the day: This morning, we spent some time discussing our retirement accounts. We've had most of our funds in the second most conservative index fund and new contributions going to a stock fund and a small-cap fund. With this recent run-up, and our desire to definitely retire in the next five years or less - we decided to move all of our funds and new contributions to the second most conservative index fund. We decided we are not going to beat ourselves up either way, if the market takes a big dip or jump. We just want to manage our risk to what we are comfortable with. We hope we won't need the funds for a while - and we know people generally live a lot longer - so, don't want to go so conservative to be losing buying power - so, although not my natural inclination - and without any arm twisting, I followed in my husband's footsteps. I started working on the quilt. We were going to go out for lunch - but with the weather not cooperating a bit of hail?snow?sleet? - we decided to stay in. So, in the crockpot is a nice soup and I will heat up my free pack of Naan.
Friday, February 1, 2013
2/1 Expressions
Frugal deeds for the day: January flew-by. Today, I went to yoga, and for completing the January Challenge, I got a certificate and a very nice re-usable shopping bag. Then, off to the bank to sign-up for the account to get a free Kindle Fire HD. Then my husband and I shared a Venti Carmel Macchiato at Starbucks paid for with my free drink reward. Oh, the cashier at Kroger made a mistake - and we got 1 item free (NAAN) - it was on manager's special and apparently when it was re-priced, the sticker did not cover the UPC and so, the regular price scanned. I mailed another ebay sale out. We are going to work on the flooring tomorrow. I may work on the quilt for my dad on Sunday. I also need to list a few more items on ebay. My basil is sprouting :) Oh, and wasn't the stock market nice today :) Whoot!
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