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, 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.
Sunday, November 18, 2012
11/18 Expressions
Frugal deeds for the week: I got my 2 $10 CVS gift cards - cashed in credit card points - and printed out 2 .50 coupons for Scott Toilet Tissue - and stocked-up. I should now have enough to last through the end of the year and still have some $ left on my CVS gift card. After a run to Costco and Aldi today to do the minimum stock-up, we are going to spend some time decluttinger to find stuff for the consignment store and donate to AMVETS who will be doing pick-ups this week. Not so frugal, some unexpected expenses have messed with my savings goals. So, I may have to lower my target - but will continue to try to make it until the end of the year.
Tuesday, November 13, 2012
11/13 Expressions
Pictured are the plants I repotted/brought in before the cold, dreary weather hit. We had a frost warning last night - of course the plants have been in place since Saturday. So far, they look pretty happy. I hope I get lemons/oranges next year - I can dream can't I. I hope I get a few leaves of lettuce - and my rosemary seems to be going strong. Hard to see, but, my Aldi Aloe Vera is doing pretty well too. I have yet to use it for anything - soothe a burn, etc. - but maybe that is a good thing. Yesterday, my daughter decided to spend some of her clothing budget at Alter'd State. She took in 3 cans for 20% of regular priced items and 40% off clearanced/sale items. She got a nice assortment of clothing and was very discerning since she was spending her own $.
Sunday, November 11, 2012
11/11 Expressions
Frugal deeds for the day: Last night, I spent a few minutes cashing in . . . my husband cashed in his Chase Sapphire bonus and points for a $432.23 direct deposit. I cashed in points on 2 of my Chase cards for $10 CVS cards. Today, my daughter and went to Michaels with coupon (25% off everything) and gift card and I bought supplies for 2 bracelets - used just under $10 on the gift card. Then we headed to Target - same shopping complex and she used her Shopkick app and we got 2 Venti Lattes for $0 - she had a BOGO coupon and I had a free drink loaded on my card. Then I headed to Dollar Tree and purchased laundry detergent and cinnamon. When we went to the beach last weekend, I purchased an orange tree and and meyer's lemon tree for $9.99 each. So, I found a washtub in the garage and a bit cooking pot - and now have the plants plus some herbs and lettuce/tomato plant growing inside on my 1960's end tables. Tonight, my daughter and I plant get a few free underwear at Victoria's Secret - use the $10 off bras - and get a free Secret Angel card - worth at least $10 at the "Pink Party" tonight. We will also stopped at Bed, Bath, and Beyond in the same complex to see if they sell the Nescaffe Dolce Grande pods - and I am hoping to use a $5 off $15 coupon to get at least 2 boxes of 8 or 16 count. I am dying my hair with box color in a few minutes and giving myself a french manicure before leaving for the event.
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