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Archive for June, 2008

Yardly English Lavender Soap

June 30th, 2008 at 07:26 am

My Mums love the London England Yardly Lavender Soap. You can't find it around here very often. (You should have seen the amount I brought back from London a few years ago!)

But the other day when I was at the Dollar Store, I found some bars of it. I picked up 2 ($1 each) for Mums. When I told her about it, she asked if I could get her 18 more! LOL I picked those up yeaterday and Mums is stock piled for years now. Smile

Our Dollar Store has some great items. Brand name food, cosmetics and cleaning supplies, toys, books, kitchen supplies, etc. It's hard not to spend a lot when we go in there.

But everything is only $1!! Big Grin

Library card

June 28th, 2008 at 08:25 am

I finally got to our local library and got myself a library card. Smile I also took home 5 books. Big Grin I got 3 Tightwad Gazettes (and am almost done with them all) and two others on personal finance. I figure if I can't do a lot with actual money right now, I can at least read about it and get some new ideas. Smile

I stopped at the $1 store yesterday. I managed to pick up some good grocery deals:

baking soda
starfis tuna
louisiana seafood spices
ground cinnamon
garlic and pepper spice
parsley
buffalo hot sauce
habenero hot sauce
cake mix
frosting
microwaveable popcorn
bags of rice
green tea
caribou coffee bars

and a bunch more stuff I can't remember. Spent $20 and I feel like I stocked the cabinets pretty well with spices and staples. I am working on following the Tightwad advice of stocking the pantry with staples and doing way more cooking from scratch. Slow going, but hopefully I will get the hang of it.

And I found a penny in the sidewalk. New total: $1.27

Testing, testing, 1, 2, 3...

June 25th, 2008 at 08:22 am

Anyone who read my post from yesterday (Low Key) knows I am working on this new positive attitude thing...

And today it is getting tested, already. Smile I had to take another $280+ from my EF to get by. I hate doing this, but I guess it is what the EF is for. I's just so sad to see it going down so quickly...Frown

Old EF Balance: $493.10
Transfer: - $283.10
----------------------------------
New EF Balance: $210.00

I just keep telling myself that when I am working again I can build it back up.

Right?

In other news, I am having another low key day. Need to pick up a few things at the grocery store; going to try to keep it under $25. Before I go, though, I have some coupons to clip, so hopefully that will help.

I think I am going to visit the library today as well. I'll get a library card and sit in the AC reading all the trashy magazines I love but am no longer allowing myself to buy. If I find an article I MUST have, I'll just make a photocopy for my files. Cheaper than buying the whole thing. Smile

Oh, my freelance job gave me another couple hours of work today. Slowly but surely, right? Slow and steady wins the race??

I am the tortoise!!

Low Key

June 24th, 2008 at 07:21 pm

Today was a low key kind of day. We stayed in all day, and had a No Spender. Yay! We had a HUGE thunder and lightening storm tonight. It was beautiful.

Paid some bills today (July rent, July health insurance, phone bill, cell phone bill...). Earned no money. (Spent none, either, so I guess it works out). Smile

Still waiting on word from the 2 jobs I interviewed for. I am going to call both places tomorrow, kind of like a follow-up to my follow-up. Smile

In the meantime, I re-registered one a freelance website that I have gotten work from in the past and bid on one job today. Hopefully that will come through. (If anyone is interested (they have all kinds of work all over the country), let me know and I can send you a referral link.) I also applied for an Assistant Editor job I found today. And I ordered new business cards for my tarot readings. May not be much, or work out to anything at all, but at least I am trying. Smile

And I got another short project this week from my old job. Will only be a few hours, but it is better than nothing.
(Can you tell I am trying this whole new positive attitude thing!?) Big Grin

Trying to get the House Fund to $100

June 23rd, 2008 at 02:36 pm

The profits from the yard sale are going into my House Fund (gotta start somewhere!). I had about $35 in cash in the CITB jar (yes, Cash in the Bag has now become Cash in the Jar) that I need to deposit at the bank and then transfer into my House Fund.

But, tonight we needed a few things from the store to make dinner, and I wasn't feeling up to going out. So the FAB boyfriend went for me, and instead of hitting the ATM (and paying $4 in fees), he just grabbed cash from the jar.

So, I am transfering the amount spent ($21) from the checking (grocery budget) into the House Fund. Will get the rest of it in there some time this week when I can get to the bank. Smile

Old House Fund Balance: $75.01
Partial Yard Sale Profits: $21.00
-----------------------------------
New House Fund Balance: $96.01

Financially Overwhelmed

June 23rd, 2008 at 07:04 am

I feel so overwhelmed right now. Just a lot to deal with in terms of my finances.

Waiting for a check to clear in my account so I can pay some bills (electric, cell phone, home phone, internet, rent).

I need to fill out paperwork and mail in the stuff to get a money order voided and the money refunded to me. Takes up to 40 days, which is stinky, but not much I can do about it.

Need to send a check out for June health insurance (having issues getting it started to it can go retro to the first of the month) and for July health insurance. That's over $800. Ugh.

Once that kicks in, I need to submit a form for reimbursement on the meds I had to pick up yesterday. $317. Put it on the CC (had no choice) so once that refund comes in, I can just out it on the CC.

And then just a whole bunch of little things, like an orientation at a career center today, photocopies of the money order and stuff, calling the insurance company and making them resubmit a bill from March that should have been covered but wasn't, etc. I also want to get some stuff on craigslist today, plus get to the bank to deposit the money from the yard sale.

Just a lot of little things adding up to one big overwhelming thing.

Yard Sale Results

June 22nd, 2008 at 06:50 am

Our yard sale yesterday was fun. I drove up to sis' house and slept over Friday night, then we did the yard sale Sat morning. Friday night we had some wine, hung out, and watched Motley Crue on Larry King LIVE. YUMMY Nikki Sixx! Big Grin

Made around $35 at the yard sale. More would have been nice, but I am not really disappointed. Most everything I sold was 50 cents or $1. Got rid of 5 purses and countless books. Everything that didn't sell went to the nearby Salvation Army, so that will be a small tax deduction come April. Doanted goods worked out to be about $150. Smile

It feels good to get all that stuff cleared our of the house. The spare bedroom is almost donel sould be finished this week with a few more hours of work.

A few things I brought home that I know I can sell on craisglist or ebay (painting, a few rare collectible books, strawberry shortcake stuff). I'll try to get those up this week as well.

As for the cash from the yard sale, I am debating what to do with it. I could pay a bill, put it towards the house fund (staying at my sis' house Friday has the urge for my own house raging again), or use it for the new Motley Crue CD. Smile I think it will go to savings for now, as I have enough to pay bills now, and hopefully when July bills come in I will be working already. If not I can (grudgingly) take it back out of savings. And I can download the new Motley Crue CD from ITunes with a gift card I am due to get soon from MyPoints. Will update House Fund when I get the money in there on Monday. Smile

Also rolled some change last night. $5.50 so far, but I am 3 nickels shy of a $2 roll and 3 quarters shy of a $10 roll. I am going to this movies with my friend today (only $4) so the change I get back from that will hopefull be enough to push me over to have another $12 to add to the rolls. Smile

Have a happy Sunday all! Big Grin

Work Stuff

June 20th, 2008 at 08:40 am

Today I sent off my invoice for the freelance work I did this week and last week. It was for $750, which will help lot with bills when the check arrives. Problem is, the check will take about 45 days to get here! Ack! Maybe by then I will have a full time job and I can throw that whole check on the CCs. That would be awesome!

Still waiting to hear back from the 2 jobs I interviewed for. Grrr...

Yesterday we went to check out this New Age store that was recommended to us. It was FAB! Huge and beautiful and so tempting to drop a couple hundred bucks! But we didn't. Smile I did, however, ask if they were looking to bring in any new tarot card readers. They told me they would pass the message on to the owners.

This morning I got a call from them. They want me to come in next Friday morning for an interview and to give a reading. If I get hired, I'll be a back-up reader, meaning if all the other regular readers are busy at the time the client wants a reading, they will call me. Could lead to a couple extra buck a month. And if one of their regular readers leaves, I could get a regular gig there. Yay! Smile

Tomorrow is our yard sale. Hoping we have a big turn out. I have a ton of stuff, especially books. About 60 books. Wish me luck!

Lucky Dimes

June 19th, 2008 at 03:44 pm

I seem to be finding mostly dimes on the sidewalks these days. Still a lot of pennies, but a lot of dimes. Maybe dimes are lucky for me now, or the #10. Or, I'm just reading too much into this and should be saying Whoo-hoo! Found money! Smile

At any rate, I found 2 dimes on the sidewalk today (in two different places; 2 different cities, actually). New Pennies on the Sidewalk Total: $1.26

No Spender (Kinda) and Other Ramblings

June 19th, 2008 at 07:05 am

I've had 2 Kinda No Spenders this week. Monday and yesterday. I say kinda because while I did spent money, it was on necessary things. Monday was groceries and stamps, and Wednesday was my new contacts (instead of new glasses). I'm not going to count these as NSDs since I did spend, but the feeling of being more careful and not spending on wants is great. Smile Now I just need to work on getting needs done all in one day so that I can have real NSDs. Smile

In other news, when I went grocery shopping, I saved over $11 with coupons. Plus I saved over $30 with store sals. I think I am getting the hang of this. Smile

I had a job interview on Tuesday. It went really well, I think. It lasted over 3 hours (!) and I met with 7 people (!!). It sounds like a great place and a good job. My only concern is the commute. It is about 40 miles each way, and with the rush-hour traffic, it will take over an hour (almost and hour and a half) each way. Ugh. I really liked the commute with public transportation, so I am not sure how I feel about the driving commute. Plus, with the price of gas...? They will have to offer me a decent salary to make up for it. I'm still waiting to hear from the place I interview with a couple of weeks ago.

I'm sure there is more I want to ramble about, but I've completely lost my train of thought. Smile Maybe more later. Smile

Referral Bonus

June 18th, 2008 at 12:47 pm

Someone I sent a referral to for ING opened an account so I got the $10 referral bonus. Yay! Into the EF. Smile

Old EF Balance: $685.10
Referral Bonus: $10.00
----------------------------------
New EF Balance: $493.10

Credit Card Payment

June 17th, 2008 at 08:42 am

Just got my new statement for my ATTCC. I don't have the full minimum payment right now, but it is not due until July 7th, and I can make multiple small payments online. Minimum payment this month is $114.80. I try and put at least $200 on it each month, but it will depend on how much income I have this month. For now, here's a start.

May ATTCC Balance: $4,160.21
Activity: $431.82
-----------------------------
June ATTCC Balance: $4,382.03
June Mini-Payment: -20.80
-----------------------------
New balance: $4,361.23

Still to pay towards Minimum: $94

Dipping into the EF

June 16th, 2008 at 10:55 am

Have to get some groceries and pay a few bills, so I have to dip into the EF. This SUCKS!

I can't wait til I am working again!

I think when our lease is up next March, unless I am making beacoup money, we are moving someplace cheaper and I will start with my career there. This city living is great, but we just can't afford it unless I get a job that paid as much as the last one.

Old EF Balance: $685.10
Transfer to checking: -$202.00
----------------------------------
New EF Balance: $483.10

Oh yeah...

June 16th, 2008 at 09:00 am

And I found 2 pennies on the sidewalk. New total: $1.06

Big Grin

Kinda A NSD and Then A NSD

June 16th, 2008 at 08:59 am

This weekend was fairly low key. On Saturday we went to an event held by the National MS Society for people newly diagnosed. It was a cookout at the zoo. It was OK. I didn't really get to meet anyone new, which I was hoping for. I'd like someone to talk to who is going through the same things as me. But we spent about 2 hours walking around the zoo and looking at the animals. I love the zoo. Smile And the whole thing was free, which was a bonus.

We almost has a NSD but then Sat. evening I was craving ice cream, so we walked up to the local store to pick up a few things. Not really a need, but not toally frivolous either.

Then Sunday for Fathers Day I went to Mums and Dads for another cookout. Had a great time hanging with the faily. Mums cut my hair for me, so I saved about $20 plus tip. Came home and watched some tv, went to bed. No Spend Day! Smile

Today I need to pick up a few things at the grocery store, go to the post office, the bank, little things like that. Should be a fairly low key spending day. I also need to do a bunch of work as my deadline is Wednesday. Happy Monday!

Old EF Balance: $683.10
NSD: $1.00
Eat at Home: $1.00
--------------------------------
New EF Balance: $685.10