mjrube94's Blog

4 days into the month and I've met my water goal for two of the days. I'll be able to make a dent this weekend. The dog will definitely be walked and I may hit the gym one morning.

My Bank of America account is closed to being closed. I have to clear a few more payments then I'll be able to shut it down. Woohoo!

I'm going to Dad's tomorrow, then dinner with friends Saturday night and a soccer game on Sunday. In between, I have to crank through some work. I have a few bills to write and a check to deposit. Once I'm over the hump at work I'll turn my attention back to finances. In the meantime, 5-5-5...

The first day of my 5-5-5 challenge is over. I drank my 5 8-oz glasses of water. It was touch and go there for a while; I finished the last one at 10:45pm. Today looks like a water day as well, with the potential for sit ups when I get home.

When I read the original challenge I missed the part about the 5-yr plan. Mine is to have my mortgage paid off. As of right now, I'm supposed to be done in Feb 2018, which is just under 6 years. I'll run the numbers later to see exactly what it will entail, but it's doable.

I had a great weekend! Kicked it off on Friday by meeting Ray and her daughter for lunch. What a hoot! Every bit as great as I thought it would be. Friday night we took MIL out to dinner for her birthday. The food was good, not great, but not cooking was nice. On Saturday we puttered around the house, then watched a move called Lincoln Lawyer. Definitely my type of movie, plus it starred Matthew McConneghy. Can't spell his name but boy is he handsome! DD had a soccer game on Sunday so we enjoyed a beautiful day outside. Can't ask for any better...

Is anyone else stunned that May 1st is tomorrow? The year is 1/3 over yet I remember New Year's like it was yesterday. Anyway, I'm joining the 5-5-5 challenge. None of these are earth-shattering but for me, they present a legitimate challenge.

1). Walk to and from the train station (.8 miles). This is the toughest. Requires me to be ready 15 minutes earlier in the morning (I'm not a morning person). I also can't be in a rush to get home (we're usually running to/from games and practices, or getting dinner ready), and the weather has to be decent (I'm not walking in the rain). Plus I'm really lazy, so this puts me to the test.

2). Walk the dog around the "long loop" (1.2 miles) instead of the "short loop" (.7 miles). This is a no-brainer when I walk with hubby but if it's just me and the dog, the short loop it is. (It's the whole lazy thing again - I'd rather mush with him on the couch).

3). Work out at the gym. I haven't been to the gym since work got crazy in December, which is a huge waste of money. And it's open from 4:30 am to 11:00pm, so I have a hard time saying with a straight face that I have no time to go.

4). Do 25 situps. I haven't done situps in about 25 years, so this should be interesting.

5). Drink 5 8-oz glasses of water. I'm not a huge drinker and water is my least favorite beverage. I know it's great for me, it's just such a chore to drink that much of it. But I know I should, so now is as good a time as any to start.

My plan is to try to get these done as early in the month as possible so I can start making them a habit, or forget about them and not feel guilty. First report tomorrow!

It's shaping up to be a good weekend.

If all goes well I'll be meeting one of my oldest SA friends tomorrow, ThriftyRay (well, not age-wise, just in terms of how long I've "known" her. Don't want to get in trouble). She's in town and will be blocks away from where I work. Can't wait! Then tomorrow night is a dinner out for MIL's birthday. We haven't gotten her a gift yet; I'll leave that to hubby tomorrow. We have nothing planned for Saturday (ahhhh) and DD's soccer game on Sunday, so a relaxing weekend all around.

I'm excited to start CeeJay's 5-5-5 fitness challenge for May. I have to think of what 5 things I'll do, but I need to do something. I've been feeling very blah from my utter lack of activity.

Work is picking up again after a very brief lull. It seems like this will be status quo through the rest of the year, so I'm backing away from a few voluntary activities (eg PTO). On the one hand I hate to do it, but on the other hand, my sanity is important and I can't do it all. As my kids like to remind me, "there's a 'no' in optional".

Deadbeat brother is calling again. I told my sister that I feel like one of those cartoon characters with the big sucker lollipop where their head should be. I have a hard time telling him that I'm not in a position to help him out when my life is infinitely better than his. At the same time, he's in this spot because of the choices he's made, and I hate to be an enabler. It's complicated, but I need to not be a sap.

And on a totally unrelated note, I got my kids to eat broccoli tonight for the first time dipping it in, go figure, BBQ sauce. Their cousin does it so they figured they'd try it. We try so hard to get them to avoid peer pressure but tonight I was totally saying, "DC eats it that way, why don't you?". A little mixed message there...

I had a great Monday. DS's track practice was cancelled due to the weather, and DD's basketball practice was cancelled due to many of the girls being on spring break. I picked them up from school at 3:15, walked the dog and was in comfy clothes for the night by 4:00. Hubby was travelling, so we had scrambled eggs for dinner. I LOVE breakfast for dinner! Spent the rest of the evening doing some work and vegging with the pup in front of the TV.

I'm making up for it today, though. I was overwhelmed when I woke up at the sheer number of things I had to get done, but then realized that none of them will take more than 15 minutes. So I'm breaking my day down into 15-minute chunks and it seems much less intimidating. I already put the garbage down, cleaned out the car and threw in a load of laundry. Taking a break now to surf, then will move laundry and straighten up. One room at a time, 15 minutes max per room. If I finish a 15-minute chunk early, I get to relax

At least one or two chunks are going to be devoted to paperwork. I need to register the kids for religious ed next year, pay some bills and balance the checkbook. I also need to pick up some discounted gift cards today. Time to get going...

Is there any better feeling as a parent then seeing your child "get" a lesson that you've been trying to teach them?

DS is 11 and into XBOX. He often asks me for money, or uses his own, to buy Microsoft points, which he can then use to buy new games or add-ons for the XBOX. He told me over the weekend that by using Bing to do searches (like a Google or a Yahoo), he can get points. One point per search, max 10 per day per email address. You can then trade in 500 Bing points for 400 Microsoft points. So by using my email, hubby's email, and a family email, he can get 30 points/day, and in 50 days (just over 7 weeks) he'll have enough for 1200 MS points, which is enough for most of the games he wants.

He was SO excited to tell me about this deal, which saves us both money because we don't have to pay for points anymore. And I was so proud of him for figuring it all out and being patient enough to wait the seven weeks for the game. (The next day, Bing increased it to 20 points per day, so he was beside himself - only 3.5 weeks now). My little saver...

I'm heading down to dad's today. Unfortunately, the weather, which has been fantastic all year, is not going to be great. Heavy rains are expected. (And 12-18" of snow in the middle of PA, what's up with that?).

Waiting for my NYS tax refund to come in so I can pay our accountant bill. I have a few other bills to wrap up by month end. Hard to believe that 2012 is 1/3 over already.

Today was a "check off the list" kind of day. I ran a bunch of errands, including cashing in change at the bank ($23.74) and mailing a cd I sold at half .com ($5.79). That's a total of $29.53 that will go toward the heloc. I also found a $25 Itunes gift card in one of my drawers, so I loaded that onto my account. And I was able to balance the checkbooks. My mortgage hit, so that's now just over $125k.

Hubby's birthday is tomorrow. I need to run out in the morning to get his gift. Maybe dinner out tomorrow night, or his mom's, not sure. Then on Sunday I have a bridal shower to go to, so I need to pick up the gift for that as well. All budgeted, which helps.

Well not quite yet, with Easter tomorrow and a work from home day on Monday, but I am back from vacation.

We had a great time. Just me, hubby, and the kids. Very relaxing, ridiculously good weather, the water (pool and Gulf) was so warm. I read all three Hunger Games books, and we caught the movie at the local theater. (The theater was so charming - really small, served dinner and drinks - I've never seen anything like it. I wish we had these up north). Other than missing the pup, everything was perfect.

Going to MIL's tomorrow, so no work to do there. We got the kids some chocolate for Easter. Thankfully they're old enough to understand that we got back to late to do the whole bunny / basket thing.

I plan on getting back to the finances later tonight or tomorrow. I need to balance the checkbook, pay some early-month bills, and see where we stand after vacation.

I'll say this about any kind of splurge, be it vacation, or eating out, or whatever - if you're going to do it, the key is to enjoy it fully and not feel guilty about it, because that takes away all of the fun. I'm not sure yet what the final cost will be, but we planned the trip and had the money put away, so we were able to enjoy it. I think it's really important to budget some "fun" money and then be happy about spending it, no matter what the scale. It makes all the difference...

Musings as I sip on a Mike's Hard Lemonade...

I am officially done with work until Monday April 9th. (OK, I'll need to keep tabs on the crackberry while I'm away, but for the most part, I'm shut off).

We don't leave for Florida until Monday morning. Tonight we're having friends over for dinner and christening the new fire pit. (I've wanted one of these forever and scored a good deal at BJs last week). The Mike's Hard is a great kick-off...

The sump pump is done, so I'll spend tomorrow cleaning up (some dust snuck up into the house through the vents). Plus, I like to leave the house clean when I leave, so it's clean when I get back. I may have to go to the laundromat to do a load of laundry, because our washer and dryer are unhooked, and won't be hooked back up until after we get back.

I also need to take the kids shopping for some summer clothes. Nothing big, just a few t-shirts and shorts, and new bathing suits. I have a JC Penney gift card, so I'll start there.

Sunday we'll pack, and drop the pooch off at the kennel. I miscalculated on the trip expenses in two ways. I remembered that the dog needed to be boarded, but forgot the cost (cha ching). I also forgot the cost of the rental car, and our parking at the airport, which will be several hundred dollars. Wouldn't have changed my mind, but I'm annoyed at myself for forgetting about it. (Well, as annoyed as I can be drinking a Mike's Hard on vacation ).

So life is good. I hope you all have an enjoyable weekend!

We got the results of our taxes back and for the first time in years, we owe nothing. Woohoo! In fact, we're getting back $2k from Federal, which we'll apply to our April 15 estimated tax payment. Ditto from NJ (forget the amount), but I'll apply that against estimated NJ tax too. We're getting money back from NY, but that will just about cover the accountant's fee, so all in all no money out and we're already ahead for next year.

The sump pump guys were here today and were very neat, which I love. They should be finished tomorrow. We already have the funds for this set aside - such a relief to know that it's already paid for.

I've been off of Swagbux for a while so I'm going to spend some time on that while watching tv tonight. Hubby's birthday is this month and I'll use the gift cards I've amassed at Amazon to get his gift. I also am up to $15 worth of points at Viggle (need to update my sidebar!). Love the free stuff...

We are headed to sunny Florida during the kids' spring break next week. We just booked it today. It wasn't totally spontaneous; I've had my sights set on this week over the last few months while I've just been nuts at work. Things were touch and go while I waited to see if things would settle down enough for me to get away and sure enough, I'm going. I won't be totally work-free. I'll have my laptop for emergencies and my blackberry, but I will be relatively tuned out. I am REALLY looking forward to the peace and quiet.

The good news is that I've been squirreling away money, so this will be paid off as the airfare and rental bills come in.

So now the fun kicks in. I have two days left at work to get as much done as possible so I can stay tuned out next week. We leave Monday, so I'll need to hit the stores this weekend to get the kids new bathing suits, which they've outgrown from last year. And some last minute phone calls to make as well.

Not much else going on, at least nothing I can focus on with my vacation excitement. Woohoo!

I took the kids to Barnes & Noble yesterday to get them some books, and picked up Hunger Games for myself. I've been getting sucked in by all of the hype. DD, who is 13, hasn't yet read the book but wants to see the movie. She'll read the book after I'm done with it.

In other news, I spent the day doing things that I wanted to do rather than what I planned to do. I balanced my checkbooks, did my finances, and scoped out some potential sales to Secondspin .com, which I hope to finalize tonight. What I didn't do was clean my house and plan the menu for tomorrow night (we're having friends over for dinner). Fortunately the house is in decent shape, so it won't take much to clean, and I have a few ideas for the menu. Perhaps I'll square that away later tonight. Procrastination...it should be my middle name.

I had all of the windows open today. What a gorgeous week we've had - mid 70s in the middle of March. Who would've thought? I haven't used the heat or ac for at least a week. I could get used to this...

This is the third time I'm writing this entry. It keeps getting accidentally deleted. Ugh...

I'm still trying to transition from BOA to the credit union. Today I shut down my savings account that I had opened for a bonus a few years ago. It had about $28 in it, and was going to incur a $5 charge this month. So I closed the account and transferred the $28 to my HELOC.

I also moved a few more auto payments from BOA to the CU. Only one or two more to go. BOA was also listed as the account for any electronic tax refunds, so I'm hoping to be able to completely close it by the end of April.

I also merged two Chase checking accounts into one. I opened them both up for bonuses a while back, and use them to put aside money for my mortgage and property taxes, so they're not comingled with other money. Because my mortgage is with Chase and I autopay from a Chase checking account, I get a 1% rebate each year.

While I was on the Credit Union website, I checked out their mortgage rates. I have a 15-year 3.875% with Chase. Assuming my current payment schedule, I'll pay it off in February 2018. The CU had a 5/1 ARM at 3%, but I would only pay it off one month sooner. It would cost me .25 basis points and $3,000 in closing costs so it's not worth it.

I also checked their HELOC rates and saw that the rate was around 5%. I'm currently paying 2.74%, so I called Chase to see what their rates were. 4.5%. When I quoted my current rate, he said it was because I took my line out so long ago (pre-crisis), when rates were more favorable. So reluctantly I'll have to stick with BOA for my HELOC.

In other news, I finally received the 2 $5 Amazon gift cards I was waiting for. Took just under two weeks. My Amazon balance is now $35. I'm waiting for one more from Swagbux, and have enough points for another. That'll be 5 for March, so I'll need to accumulate toward April after that. Woohoo...

So it's all good. Slow and steady wins the race...

Thanks to my fabulous brother and sister-in-law, the dumpster is now full and ready to be picked up. My brother helped hubby take apart the kids' wooden swingset (that they haven't used for years and with rotting wood in places). SOOO much extra space in our yard now. He also went on our roof to blow off the leaves and clean the skylights (hubby doesn't like heights).

SIL and I tackled the kitchen and garage. Mostly straightening up in the kitchen, but I did get rid of old cookbooks that I never use, some mismatched glasses, etc. We didn't get very far in the garage, but did manage to go through the PILE of old shoes and some other assorted junk. I'll need to finish that chore this week, along with some other loose ends. I am exhausted but feel so great!

Got the taxes off to the accountant last week and am now waiting to see what we get back. I need to take a look at our account balances as well. I would love to be able to put some more toward the HELOC...

Many moons ago, we got a letter in the mail that we were eligible to be part of a class action suit against United Health Care, from back when we had insurance through them with hubby's company. I seem to receive a handful of these letters each year, and always take the time to go to the website and register. Usually I get a check several months later for a few bucks. Well today I got the check for $175.xx! Totally out of the blue; I completely forgot about it. That is getting deposited first thing tomorrow and transferred right to my HELOC. Woohoo!

I need to submit receipts to Flexible Spending. My son went to the orthodontist a few weeks back. That was $540, and we have a few $25 copays for various doctors. I'd like to get reimbursed this month, so I need to get them in.

The dumpster is getting picked up on Monday, so I have a few more days to toss things in. Overall, pretty pleased with the progress we made, but still more to do. Fortunately, it looks like a nice weekend ahead...

My brother and his family are coming for a visit Friday-Tuesday. There's much to do, including cleaning the house, grocery shopping and menu planning. I took a vacation day on Friday, but will need to start tomorrow. (Why do today what I can put off?)

Hubby mailed our taxes to the accountant. Glad to have that behind me, but I do need to get dad's out as well.

A good friend of mine is turning 40 over the summer. She's planning a very expensive girls weekend to Aruba. She's scouting out some all-inclusive options. I'll have to get the final estimate before I decide for sure. I've known that she was planning something over the top (she was originally thinking Las Vegas) so I've been putting money away for it. No doubt, it'll be a great time, I just don't want to have buyer's remorse. More to come on this one...

It's late and I'm beat, so this will have to be a quick one.

We're THIS close to having all of our taxes pulled together. Hubby should be able to send them to the accountant tomorrow. Not sure what the end result will be. We usually get money back from NY and owe NJ and IRS. This year we were really diligent about paying estimated tax to both NJ and IRS, so I'm hoping that we'll end up getting something back.

I also have to package together dad's taxes and get them to his accountant. Probably Wednesday on that one...

I finally saw one of the Amazon gift cards come through on Swagbux. 2 more should be coming through tomorrow or Wednesday. And I have enough points to cash in another. That'll be 4 for March.

Payday is coming up Thursday, so I'll have to prep for that and get some bills paid. My brother and his family are coming for a visit this weekend, so I want to have everything wrapped up before then...

Hubby and I are getting sump pumps installed in our basement later this month. In preparation, we need to do some major cleaning. We rented a 20-yard dumpster for 10 days, figuring it would take that long to fill it. After only four hours of grueling hard work, we have it about 75% full, and have gotten through most of the stuff in the basement.

So what's long overdue? Let's see. My kids are 11 and 13. I threw out 2 crib mattresses, a changing pad, a baby swing, my daughter's first two-wheeler, more "Little Tikes" things than I care to admit, several bags of toddler clothing. I could go on. How did it take me 10 years to get rid of this stuff? None of it was salvageable, just JUNK with a capital J-U-N-K!

On tap for tomorrow is to finish up some loose ends in the basement, then move through the rest of the house over the next week until it's completely filled up. I'm exhausted, and thrilled!

In other news, I have enough points to get my first $5 CVS gift card from Viggle. Took about 2 weeks, and from what I can gather, I think one card every 2 weeks is a reasonable goal. I also cashed in Swagbucks for 3 $5 Amazon gift cards. They've been verified, but haven't shown up in my gift card list yet, so I'll wait a few days then contact customer service. That will bring me up to $35 in Amazon cards so far this year.

Finally, I got a direct deposit of $4.08 for my half .com transactions. When I go onto online banking next I'll transfer it to the HELOC.

I wiped up at Petsmart today! I went to get a large bag of dog food and some biscuits for the pup and brought my coupons. I got a 33lb bag of food for $39.99, minus a $5 coupon. Plus, I had coupons for 3 free cans of dog food, a free 4lb bag of cat food, 5 free cans of cat food, and $2 off a bag of biscuits. Grand total including tax: $41.88. And I paid for it with a gift card that I bought at an 8% discount. Not too shabby.

Then I cleaned up, or rather cleaned out, the junk drawer in the kitchen. I threw out old menus, expired coupons, etc., and found $3.44 in change. Nice...

Tonight I think I'll try to tackle some swagbux surveys and work toward another $5 gift card.

It's not quite cash, but it's close...

I had enough Swagbux for another $5 gift card for Amazon. That brings me to $20 so far this year. I'd like to at least keep pace with 2/month, but 3 or 4 would be better. (I've been trying to limit computer use during family TV watching time, so it's really put a crimp in this).

I also got back $26.50 in Staples Rewards. A lot of this was due to the free battery offer they always run (buy a 16 pack of Duracell AA / AAA batteries, free after rewards, limit 2). The way I go through batteries between the kids' stuff and remote controls, it's a great deal. I was planning on using the rewards next time I need printer ink, but I'm also interested in checking out some of those other ink places. Has anyone used them? The prices are great, but I'm not sure of the quality. Regardless, I will definitely find something to use the rewards on at Staples. And I'm a Premier Staples rewards customer (or whatever they call it), so the rewards don't expire for months.

On the "real cash" front, I received a rebate check for $12.49 that I had forgotten about, so that will get deposited in the bank and paid toward the HELOC. I also sold another cd at half. com (2nd one in a few weeks), and will net about $3 for that.

We have a big house project starting in a few weeks. We're getting sump pumps put into our basement. We don't have a huge water problem, but two or three times a year we get a few inches down there and the hot water heater comes THIS close to ruin. Anyway, as part of that project, we need to clear out all of the junk in the basement. I'm talking my kids' baby swing, Little Tikes kitchen, baby clothes, etc. (they're 11 and 13 now, so this clean up is WAY overdue)! We're going to get a dumpster and devote the next two weekends to it. Of course I'll keep my eye out for anything that can go on ebay, but I think it's pretty much all junk.

Other than that, I'm fighting off some bouts of spring fever. The winter has been incredibly mild, it will be 60 later this week. It's lighter out later and spring is in the air. Can't wait...

So my crazy hectic work project FINALLY came to an end on Tuesday. We're still in the middle of some post-project craziness, but not quite as bad as it was.

My discovery of the week: Viggle. Have you heard of it? It's an app that lets you watch tv shows and trailers on your phone (and I suppose you can use it on your computer as well). You get points for each one you watch and can trade points in for gift cards. One of my friends has been feeding her Starbucks habit with it...Kind of like Swagbux tv, it runs in the background while you're doing other things (i.e., you don't need to actively pay attention). I'll see what kind of effort it takes to get the first gift card and go from there.

I need to pay the rest of my February bills and get cleaned up for March. I'm still working on transitioning everything over from BOA to the credit union. Super slow process.

So slowly transitioning back to some normalcy, but it'll take a bit of time...

I had some cash coming in today...Turns out I have enough Swagbucks for 2 more $5 Amazon gift cards, which brings me to $20 for the year. I also found $.07, bringing my found money to $6.48. Finally, I sold a cd on half .com for $2.00. That'll go out in the mail tomorrow, along with 2 dvds I sold on swapadvd .com. So all in all a pretty productive weekend.

I activated and used my new credit union mac card. One more step toward ditching BOA.

I managed to clean most of my house yesterday. A bit more to do tomorrow. I also picked up a prescription at CVS and dropped some clothes at the dry cleaner. It's been beautiful here, sunny and in the high 40s/low 50s. Amazing for mid-February. Might we actually avoid a brutal winter? My heat's been turned down a bit as a result.

All in all, things are moving along smoothly...

Since January, I've been trying to use cash/debit card for most things, and only paying on my credit card if I needed to. This is 180 degrees different from what I used to do, which was charge everything (and pay it off at the end of the month).

I mentioned that I haven't been as focused on my finances this month because I've been buried at work. I took a look at my checking account mid-month and thought, "wow, why is my balance SO LOW? How am I going to pay the credit card bills at month end?!" Then I remembered I won't have any, so I'm actually okay. Just a small moment of panic.

My account at the credit union is up and running. I made my first direct deposit there on 2/15. I'm going to take some time today setting up a few bill payments and assuming it works as expected, I'm going to start transferring all of the payments from BOA to the credit union. My goal is to close out BOA by the end of March. That has to be the worst bank EVER!

Other than that, just getting caught up this weekend and cleaning house...

It's been far too long since my last post. I have a project at work due at the end of the month and it's been crazy!

I haven't been super-focused on finances, but also haven't been spending much either, aside from one dinner out, and ordering take-out one night. Everything else has been status quo.

I lucked out yesterday. I found a Metrocard (for the subway) that had $6.35 left on it, and I foundation penny. So that brings me up to a total of $6.41 found for the year!

I have a 3-day weekend coming up, so I'd like to spend some time catching up on the finances, seeing if I can tweak the eBay items that didn't sell, and try to find some more small ways snowflakes. Or I could nap LOL! Maybe both...

OOPS! I deducted my Verizon bill from my checking account, but forgot to put the online payment through. So when I looked at my checkbook, I thought it had been paid, but it never actually was. For some reason, this didn't register when I balanced my checkbook. I think I thought I double counted it, and ended up crediting it back to myself. Anyway, got the next month's bill in the mail, showing that I had two months due, and realized my mistake.

First of all, this is pretty embarrassing. I work for a bank. I've worked for the bank for 20 YEARS! I was a finance major in college. You'd thing debits and credits would be second nature to me. Second, this isn't the first time this has happened. Looks like I'll have to move to automatic payments now, instead of me manually paying each one online.

Other than that...I had a great breakfast out with hubby and DD this morning. I took DD for her annual physical. Her doctor only has morning office hours (at a pediatric doctor, really? no after school appointments?) so it's become our tradition to get the first appointment of the morning then go for breakfast at IHOP. Hubby was home, so he joined us. I let her stay home from school for the day but I had to go into the office in the afternoon. We had such a great time though. It's one of my favorite traditions. DS has his appointments in a few weeks.

We have done a kickin job of planning our menu for the week. Each night, we've planned a meat/starch/veggie that is realistic to make, based on our schedule for the next day. Hubby has been doing a great job grilling and taking on much of the cooking while I've been working late. Good stuff, and cheap - if this was two weeks ago, we would have eaten out at least twice so far this week. Instead, nothing out. Huge improvement.

I need to start pulling together our tax info. I know I have it all, it's just a matter of wading through it all. We usually get money back from NY State, then owe NJ and Federal. So I really want to get the returns done, so we can use the NY money to pay the rest by 4/15. Sounds like a chore for this weekend...

We're Cowboy fans in the NY metropolitan area, and most of our friends are rabid Giants fans, so watching the Giants in the SB is tough.. Last night, I found myself *almost* rooting for them because they really did play a good game, and with two minutes left, all they had to do was kick a field goal and I'd win $100. We were in one of those pools where you put in $2 per box (we're not high rollers) and based on the numbers you have and the score, you win. Anyway, all they had to do was come down the field and kick a field goal. The announcers said they would stop at the one yard line and kick a field goal rather than score a TD so they could run out the click. The guy with the ball tried to stop and fell in the end zone. Final result - Giants win and I miss out on the $100. Blah!

One of my re-listed eBay items sold for $3 + shipping, so that was a bright spot...

The most painful thing this weekend - I spent $72 on gas. OUCH! Granted I was on fumes, but still. This will no doubt push me overbudget on gas in February, as I assume only $50 to fill.

I went to cardpool and ordered some discounted gift cards: CVS (4% off), Kmart (8%), PetSmart (10.2%) and Pier 1 (17%). In the case of CVS, I scoped out their sale ad, figured out how much I would spend there this week, then bought the card. The cards usually come within 3 days, which still leaves me time later in the week to pick up what I need.

I went to the post office yesterday to mail the ebay package. I underestimated the shipping cost (still learning) and will end up only making about $2 on the item. For a minute I thought, "wow, not really even worth my time", but then I figured that I was out and about anyway, and every little bit helps. Drip drip drip.

I've earned enough swagbux for another $5 Amazon gift card, so I'm going to cash that out today. I hit gold, qualifying for a number of surveys. It's so hit or miss...

I also found $.01, raising my total this year to a whopping $.04.

We had a good weekend. Friday night I made a great meal of shrimp and asparagus over pasta. As good as anything we could've gotten out at a restaurant. Yesterday we went to dinner at a friend's house. We bought a bottle of wine we already had on hand and a very belated Christmas gift - $26.49.

We're going to a Superbowl party at a friend's house tonight. I have little interest in the game (we're Cowboys fans, and all of our friends are Giants fans, so we're going to be getting heckled all night). Plus I hate doing anything on Sunday night - that's my relax and get ready for the week time. But it will be fun nonetheless. We have beer on hand that we're bringing with us, and I'll make some dessert this afternoon, so no money spent.

So all in all, a good weekend, staying on track and doing well.

My deadbeat ebay buyer finally paid. I opened a complaint (or whatever it's called) and within a day I had my payment. I need to get it in the mail, probably Friday. I received just under $12, and I'll need to pay for shipping, so we'll see what I net.

No action on the relisted ebay items. I have views on each, but no watchers and no bids.

DS is getting braces this month. I love the doctor, and his staff has it down to a science. The total is normally $5200, but our insurance company only lets him charge $4400. The insurance company covers $2000, leaving us to pay $2400. We pay $600 down and $100/month for 18 months. Seems reasonable to me. Fortunately I planned this out last fall, so I was able to put the money in my Flexible Spending Account so it comes out tax free. The kids also have their annual appointments with their regular doctors, so there will be copays associated with that as well.

I'm waiting for my credit union account to open. I finally sent in the application and check earlier this week so it should be any day now. Then it's the beginning of the end of BOA

Not much going on financially. Wrapped up January numbers over the weekend and am waiting for February to begin. I need to start pulling my tax information together for the accountant, but that probably won't happen until this weekend. We've been diligent about making our quarterly estimated payments, so I'm hoping we won't owe much (if anything). Hubby will still need to contribute to his SEP, so that will be money out of pocket, but at least it's for an investment and not a bill!

Work continues to be stressful. One of the women who works for me has been on vacation since Thursday. I needed to hit her up to log on and take care of something that only she could do. Fortunately she is very accommodating and happy to do it (I'm an extremely flexible boss so it goes both ways), but I still hated for her to have to do it. The stress in the office is palpable.

We wanted to visit my brother for President's Day weekend by he's busy. It would have been a great vacation with my 3 favorite things - relaxing, cheap, and great wine. When he said he was busy, I already had the bug and was ready to book something else but hubby (amazingly) was the voice of reason and said no, let's save the money and stay home. Frankly, that's a treat too these days. I'll make some kickin dinners, we'll watch a movie and light a fire. (And we'll still have the wine ).

So we'll see how the month unfolds...

For me anyway. I got a hold of my 1/31 pay stub, went to the bank to deposit a check and paid all of my outstanding bills. The end result was that I ended the month up by $139. I would love to put it to the HELOC, but I have the $1000 car repair bill due next month, so I'm going to put the money toward that.

I went to the post office today to mail the two ebay purchases. Net result after shipping: I made a total of $20. Not fantastic, but considering the things were collecting dust in my closet, not bad either. I'll put that to the Heloc when the money from Paypal transfers over. I haven't gotten paid from the third buyer yet. It's been 2 days, so I'm assuming they're going to reneg. It was only $2.99 plus shipping, so my net wouldn't be great, but it's still annoying.

Tonight the family is going to a charity basketball game. I bought the tickets earlier in the month, and we're going to grill burgers or hot dogs for dinner. It's beautiful out - mid 40s and sunny. The weather the past few months has been so strange...

I'm about half way to another $5 amazon card through swagbucks, so I'll try to get some computer time for that tonight as well.

Time to get off the couch and actually do something today...