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, January 31, 2009
1/31 Expressions
Today in the mail, I got the $5 Chevron gas card I won last month. Also a small rebate check. My husband ran some errands today - and essentially spent no additional money out of our pocket. We needed something for a home repair - he used the Home Depot GC - we still have .42 left. Picked up an RX - but transferred it to Walgreens and used a coupon to get a $25 Walgreens giftcard - rx was just over $6. Then he went to the library and rented DVDs - free. I baked lots of snacks - switched oil w/applesauce, cut back on sugar, etc. Froze some, gave a bit away, and have some out for the next couple of days. Also cooked several side dishes - so, it will be much faster to cook a complete meal this week. Used on coupons, but spent just over $40.XX at Kroger which included a lot of manager specials on staples.
Thursday, January 29, 2009
1/29 Expressions
It is hard to believe January is almost over! We booked a hotel to view and possibly bid on the property/properties that are up for absolute auction next week. We are hoping to pick-up a vacation home. Although this area has not been hit as hard as some areas of this country by the economic effects - yet (hopefully won't), it is hard not to be influenced by all of the news. Anyway, we hope to keep sane - I have read that in general, people bid up auction property by up to 30% - we have done our research - and we won't be one of them. But, I have been to a few silent auctions for smaller items for charity in the past 6 months and there just aren't many takers for much of anything these days.
Monday, January 26, 2009
1/26 Expressions
Random frugal expressions: Did I mention that we are set for our trip to the Big Island of Hawaii for 12 days this summer? We have our first class tickets booked - by redeeming miles for the upgrade and paying for our coach airfare - we essentially got a buy 1 get 2 free tickets deal. We found out that the times that were most convenient to us were in the "peak season" - so, we each would need to earn an additional 5,000 miles. We have great accomodations too. Now, since I have some time, I will be keeping my eyes open for car rental deals, earning gift cards to places to eat/buy groceries, etc. My daughter won an art award at the school and city level - now her artwork is in competition at the State level. She also was invited to join an academic honor society, and this past weekend took an exam to determine if she would be eligible to be a part of a national mathematics program. Sounds like bragging doesn't - well it is a bit. But it can also be frugal. I mentioned to my daughter, if she keeps applying herself, the chances of getting a scholarship to college will be greater - and in turn, less damage to the 'ol 'rents pocketbook/wallet.
Wednesday, January 21, 2009
1/21 Expressions
Frugal deeds for the day: I called and made an appointment to get my eyes examined and to order a years worth of contacts. (Husband and daughter will make their own appointment). Might as well since I signed up for vision insurance. This is my second year. First year - I was not too happy. This year, I am going to a different provider, let see if I decide to keep this insurance or go back to one of those - get your eye exam for free and 2 pair of glasses for $XX places. Mail for the day: $25 Staples gift card from mypoints and a coupon for a free Del Monte Fruit Cup. Oh, and my husband finally got around to hooking up the digital TV converter box. Comes in clear and we get enough channels. So - can I say we will be saving $50/mo or $600/yr? Sounds pretty good doesn't it - and it was so easy :)
Sunday, January 18, 2009
1/18 Expressions
Frugal endeavers of late: I attended a "semi-formal" soiree last night. I successfully bid on a nice dress on ebay - under $19 delivered and about $12 at the fabric store for the wrap/shawl. Both of these items can be re-used - and will be. Be on the look out for rebate forms. I filled out 4 today and hope to get back $30 and $15 in coupons.
Friday, January 16, 2009
1/16 Expressions
Yesterday I finally got around to bumping my 401K equivalent deductions to hit - or be very close to the new max. I purchased our weekly groceries from Kroger today - before coupons/card savings and the $15 rebate I will be mailing in for the bill was just over $99. After coupons/savings/rebate: just over $32. I love Kroger's Manager's Special - items I got this time: a gallon of Organic Milk - $2.99, a dozen organic eggs $1.29 (last week .99), 2 Brie cheese wheels for $3.29 each (and part of the $15 rebate) - and I got a few items free with coupons - Cottonelle TP, etc. Tomorrow, my daughter and I plan to shop at Hancock Fabric's sale - $5 for 5 Simplicity patterns - we will be looking for patterns for gifts to make. Like pajama's, etc. And I was able to score 2 movie tickets and a $30 food certificate for 1/2 price at the new theater/restaurant.
Wednesday, January 14, 2009
1/14 Expressions
Good today only - 1 per household - register for a free Suave (up to $3) coupon by registering at this website: http://www.suave.com/nomics/index.html Enjoy!
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