mjrube94's Blog

I received 2 of the payments from Powells. Unfortunately it was $6.25 less than I thought (didn't meet the conditions, my bad), but it did total $22.75, which will be added to my challenge along with the $.03 I found on the street .

I also went to the post office and mailed the box of books for the third Powells order, so I should see that in about 2 weeks.

I've amassed 29 credits on Paperback Swap, and 2 more on the way. I think the next step in my challenge will be to check out high value books for sale on cash 4 books and see if I can get any of them through paperback swap. It's a bit of a risk in that the paperback swap books take about 2 weeks to get here, and the prices on cash 4 books changes, but given that I'll have no money out of pocket it may be a risk worth taking.

My challenge is now up to $109.87, so my other next step is to open up a bank account with a sign-up bonus. I have an offer at Chase for $100, but before I sign up I'll check out a few others to see if there's anything better. I'll use this new account as my "Freedom Account" that Mary Hunt talks about.

All in all, a good day...

I made a HUGE mistake paying one of my credit cards last month. The balance was about $3000 (we charge everything and pay off each month). I tried to make an on-line payment, but I have a new computer from work, and they won't let me install the ActiveX thing (I'm no techie), so the Citibank page doesn't show up correctly. I tried to make the payment for $3k anyway.

When I went back to take a look at the account (on the day it was due) it didn't look like that payment hit. I assumed it was because of the whole ActiveX thing, so I called customer service in a panic and did a phone order (they waived the $15 fee). However, they told me I could only do a phone order for $1000, because it was the first time I was ever doing it. The rep told me I could pay the remainder of the bill the next day at a branch, and she'd put a note in my file not to charge me a late fee. So the next day I paid the other $2,000.

Well, turns out the original online payment for $3k did hit, then the $1000 phone order hit. The bank denied the $2000 payment because that would have left me overdrawn. So now I have a $1000 credit on my credit card (which will be used up by next month). Even though it will all balance out by next month, I'm short this month by $1000.

What really makes me mad is that my ineptness at handling my finances is so out of character. I'm a professional, well-educated business woman (a finance major, to boot!), I raise two children who seem relatively well-adjusted. How come I can't get my financial act together? It's really frustrating!

I did all of the things on my to-do list except return the books to the library. They were due on Sunday, so I'm going to have a fine when I return them tomorrow. No excuse. Ugh.

I'm getting ready for an incredible weekend. Friday, we have tix to see New Moon, followed by a school fundraiser (both sets of tickets already paid). Saturday, I'm going to see Jimmy Buffett with my sister (always a great time), and Sunday is DD's last soccer game. Then it's down to Dad's, and back home to clean up the house in prep for my brother and his family coming Tuesday. They're staying for a week. Can't wait!

Just updated my sidebar. Psyched that my debt is almost under $215k. And we're now adding $250/month to the Emergency Fund, so that's going in the right direction too. It's all good...

Wow, did I have a busy weekend! Friday night we had an impromptu get-together at a friend's house. I sprung for the pizza (~$25) and had a great time. Saturday we had a friend's son's confirmation, then a soccer game on Sunday. I was beat, but had a great time.

I now have to get focused again on the finances. I got paid on Friday, which means I have all of the mid-month bills to pay. I received 2 rebate checks that need to be deposited, as well as the check for $12.75 from Caregivers Marketplace that will be added to the challenge.

I also need to get back to my to-do list so I can get some stuff done. Here's Tuesday's list:
1) Return books to library
2) Deposit / cash checks
3) Drop off gift card
4) Pay mid-month bills
5) Get caught up on work

That's pretty aggressive, especially that last one. Hoping I can get it all done.

Wednesday:

Felt well enough to run a bunch of errands including:
1) Went to library to pay for lost cd ($20-grrr). I've searched high and low, but if I'll try again because if I find it within 30 days I'll get $15 back.

2) Went to Staples and bought some stuff for hubby using a Staples Rewards check (no out of pocket).

Also finished helping DD with her Social Studies project. I hate projects. Can't they just sit at the desks and do reading, writing, and arithmetic?!

And I did spend money. Bought tickets for the opening night of New Moon for the family and Grandma. We can't wait for it to hit the second run theater!

Thursday:
Feeling 95% back to normal. One more good night sleep ought to do it. Great challenge day!
1) Found $.34 ($.01 in Hoboken and $.33 all at once in NYC). That makes $.35 so far. I'll start tracking this on the side separately, but it will also be added in the challenge.
2) Mailed the last round of books to Powells and sold another $34.25 that I need to box up and get out in the mail tomorrow or Saturday. I am tickled pink with the way this is going!

I also got my $10 Kelloggs rebate. Won't go to my challenge, but will go to my checking acct .

I saw a great Dave Ramsey show yesterday. I don't usually watch him, but the topic was unique things people were doing to make extra money (not just the 2nd job in retail kind of thing). The ideas were great, and so creative, ranging from giving drum lessons, donating plasma, driving around to look at foreclosed homes for insurance companies ($8/house!). I started watching halfway through...I wish I taped it. I didn't hear anything that I could do myself, but it sure gets the creative juices flowing.

And if nothing else good came of my being sick, I am FINALLY, FINALLY caught up on my laundry! My goal is to keep from getting so behind on that again.

Feeling a little perkier today. Still tired, but was able to get up and around. Went to dad's house for a few hours to go through his mail, pay the bills, etc.

On the way home I stopped by the library to return the video we borrowed. While I was there, I inventoried the used books for sale. Took about 45 minutes, and I was able to find 6 books to sell for $6.50 (cost to me - $2). A net of $4.50 is not great, but I'll take it and add it to my challenge.

I also received a notice from Paypal that I received my Cash4Books payment of $16.61, so that brings my challenge to $74 and counting.

I caught DD's bronchitis this weekend and have been knocked out. Sunday and today I barely had energy to get out of bed. Thank goodness for the great deal on the box of tea last week, because I've been drinking about 5 cups/day!

We rented a dvd from a local library on Saturday. I thought they only had book sales once/month, but they had a few racks of books for sale in the lobby. I didn't have time to look through them on Saturday, but will make the time when I return the dvd (hopefully Wed if I'm up to it).

Not much else to report now.

I FINALLY got out of the house today and got something accomplished!

I went back to the library to pick up the rest of those books from the book sale. The bad news is that of the 18 I was looking for, I could only find 13, and in the week and a half that passed since I initially priced them, Powell is no longer accepting 2 of them.

The good news is that I was still able to pick up 11 books which I can sell for $22.50 (cost to me = $5.75).

The other good news is that the reason I couldn't find the rest is that it seems like they got a boatload of new books in for the sale, so I'll have to stop back when I get more time and go through the new ones.

I completed a rebate for laundry detergent that will go out in the mail tomorrow.

I also scored huge on A&P doubling $1 coupons last week. Bought shaving gel for hubby for $.37, a box of Celestial Seasons tea for $.50, and a jar of Smart Balance peanut butter for $.99. If only I could always find deals this good...

We're having our first fire of the season tonight. It was in the high 40s all day, but felt so much colder! Our tradition in the winter is to light a fire on Friday nights and play board games with the kids (and a glass or two of wine!). It's a great way to kick off the weekend.

Not a lost week financially, but health wise. I had both kids home Monday with what I thought was strep. Turns out only DS had strep. Doctor said DD's strep test came back negative, and it's just a cough. So DD went to school yesterday, and was home today after being up from 1-5am (with me, rubbing her back), because she felt so bad. Kept her home from school today, and she feels worse. Totally run down (maybe from being up all night?), low-grade fever, sore throat, etc. So now I'm thinking flu, because that's all over the school. I'm taking her back to the doctor tomorrow.

Fortunately the kids are off from school tomorrow and Friday, so we can have a pretty quiet weekend. I'm looking to lay low and recover, because we're all just knocked out. I could sleep for a day!

I did manage to read a great book - one of Mary Hunt's cheapskate books. It's the first one I've read and I really liked it. I've read a lot of these types of books and usually I'll find a nugget or two, but otherwise blow through it pretty quickly, but not this time. She suggests using an envelope-type system for irregular expenses, but instead of putting the money in envelopes you keep in the house (which I would raid every time I go to the bar with the ladies), you open a separate account and direct deposit the money in there. That I could definitely do.

So I prepared our 2010 spending plan using this method and I think it will work well. I explained it to hubby and he was on board too. At least I got something done this week!

Today was successful because I had both kids home sick and still managed to be productive!

Took DD to the doctor and he said her strep test came back negative - it's just a cold. They told DS the same thing before the overnight strep test came back positive, so we're waiting to see if we get a call tomorrow. Either way, she's not in terrible shape, and DS seems to be on the mend. Lux, I'm going to stock up on the Sambucol for next time (because there WILL be a next time).

Fortunately hubby was home for most of the day, so I was able to make a big dent in my to-do list. Did pretty much everything except:

1) Go to library to pick up the rest of the books to sell (Tues/Wed)
2) Call Verizon Wireless - I dropped a service last month and it's still showing up on my bill (Tues)

I also am almost caught up on my mound of laundry. At least what's left is all in baskets instead of covering the floor of my closet!

I made out great at the grocery store today. A&P had 4 "super coupons" where they'd double $1 coupons to $2 (normally they only double to $.99). I got Smart Balance butter spread, Smart Balance butter sticks, Danimals, and 2 Friendship sour creams for free, after using the coupons. I also had a coupon for a free Ronzoni pasta and a free roll of Marcal paper towels. I bought a bottle of laundry detergent that will be free after rebate and, as an unexpected bonus, I got a catalina coupon for $3 oyno from the detergent company. So I'll count that $3 toward my challenge. When all was said and done, I bought about $97 worth of groceries for $57. Not bad. I have 2 more sets of 4, so I'll have to get back there by Wednesday.

DS's birthday is Friday, so I need to do some shopping for him. Our anniversary is Thursday, but we went away in August to celebrate, so that should be low key. I need to start thinking about Christmas so it doesn't sneak up on me the way everything else has this year!

ETA: I had $4 left over from my allowance last week, so I put that toward my challenge. I'm up to $65.14 now.

DS's doctor called this morning. They gave him a quick strep test in the office on Friday and it came back negative. She called today to say the "real strep test" (when they send it out to the lab) came back positive, and she called in an antibiotic (only $5). The good news is that he has none of the typical symptoms of strep (no fever, sore throat). The bad news is that DD had a cough all day today, and has already had strep 3 times this year. She doesn't have a fever or anything yet, and I'm praying that it's just a sore throat and will pass. I'm just happy that it's not the flu (yet).

Hubby was very supportive of my book selling today. He saved a few boxes from the recycle bin that he thought would be perfect for boxing up the books. I told him my "frugal friends" would be proud. Then he asked me how much I made doing this. I told him that the library sale last week will net me $38 and he rolled his eyes. Hubby, frugal friends will NOT be proud of you scoffing at $38!

HUGE list of errands tomorrow. I'm going to do my best:
1) Go to Post Office
2) Go to Fed Ex office
3) Go to Bank to deposit check
4) Drop off gift cards
5) Go to library to pick up the rest of the books to sell
6) Balance checkbook
7) Pay pool closing bill
8) Pay Heating/AC company bill
9) Call Verizon Wireless - I dropped a service last month and it's still showing up on my bill
10) Send in a rebate
11) Go grocery shopping

Phew, I'm tired already!

Well, almost. DS came down with a terrible cough Wednesday night/Thursday morning. Anytime he gets sick this happens - a barking cough like a seal. We give him the nebulizer, but other than that, there's not much to do but wait for it to pass. No fever, no aches (thank goodness), but we took him to the doctor on Friday just to make sure it wasn't the flu. So he missed school Thurs and Friday, was able to get out for a bit of trick-or-treating today, and seems a little bit better. Keeping my fingers crossed that this passes by tomorrow night.

So needless to say, I've done nothing else over the last few days. I worked Thursday and Friday (hubby was home with him), so when I walked in the door from work, I needed to give hubby some time to get out of the house. I'm going to spend tomorrow doing house stuff (laundry, laundry, laundry) and will have a LONG to-do list Monday, to make up for the errands I didn't do over the past few days.

One thing on the financial front - I already received the reimbursement for the kids' dental visits. It only took a few weeks - I've never seen any health-related thing move so fast!

The other financial thing I need to do is to finish out the month and see where we ended up. I've been doing a good job of tracking as I go, so hopefully it shouldn't be too bad.

Hope everyone had a great Halloween!

On Monday, I blogged about hitting a local library's used book sale. I found 7 books that I could sell for $16.61 (-$3 to buy them) and I was quite pleased with myself.

Last night, while surfing the forums, I came across a post about selling used books to Powells Books online. I still had the list of all the ISBN #s that I wrote down from the book sale, so I jumped onto Powell's website and checked them out. Ready for this? Powells will buy 18 books for $43! Assuming that they're all hardcover, I'll have to pay $1 each, for a net of $25. The best part is that I already did the leg work of copying the ISBNs during my first go-round, and was really careful to identify the location of each book by shelf, so all I need to do is stop back there, pick them out and box them up! Assuming I can find them all, this book sale will have netted me over $38 toward my $20 challenge. Not too shabby! I'm not sure if I'll get over there tonight, but if not, tomorrow, Saturday at the latest.

My $13.75 rebate check from Caregivers Marketplace came in the mail yesterday, along with the rebate from Seattle's Best Coffee, so I added another $14.75 to my challenge.

Today's To-Dos:
1) Go to post office and mail books.
2) Drop off grocery gift cards

What a crummy day. 50 degrees, damp, rainy. I would have done anything to stay in bed for a few more hours, but I had to get the kids to school and me to work. Blah...

I had a terrific day yesterday. Ran all my errands. I closed out a checking account I had at Citibank and was shocked that neither the customer service person nor the teller asked me why I was closing it. I had no great reason, I just didn't need it anymore, but figured that they would be interested in why they were losing a customer. Guess not.

I also went to the post office and mailed some books. Another book was claimed last night, so that will have to go out tomorrow. Getting rid of these books is like a slow leak, but it's really adding up.

Speaking of adding up, I went to one of the local libraries that has an ongoing book sale, looking for books I could buy and resell on Cash4books .net. This is really hit or miss, because you never know how many books they're selling, if they're the right ones, etc. This particular one was pretty big (probably 150-200 books). I did ok. I found 7 books to sell for $16.61. It cost me $3 to buy them, and cash4books pays the shipping. So I'm netting $13.31 for my $20 challenge. Door to door it took me about 1 1/2 hours, which works out to $8.87/hr, tax free. I'll take it. They have to go to the post office tomorrow too. I'll also write myself a note on the calendar to go back again in 3 months.

Here's today's to-do list:
1) Transfer money from Paypal to checking
2) Check out times for New Moon on 11/20 and preorder tickets (we're rabid Twilight fans...)
3)Package up the books for the post office tomorrow.
4) Get checkbook / budget up to date.

That's it. It's a pretty small list because I'm so sluggish today that I know not much else will get done. So why put it down, not do it, and feel bad about it?

Well, Monday at least. Hubby is travelling for a few days, so I'm working from home tomorrow. I'm REALLY looking forward to not commuting!

I have a number of things to get done:
1) Go to dad's bank and deposit checks for him.
2) Go to my bank and cash check
3) Close citibank checking account
4) Fill out next Caregivers Marketplace rebate, and one other rebate for try me free shampoo.
5) Go to post office and mail paperback swap books (6 more gone - yay) and rebates.

3 challenge boosters for the week:
1) I went back to secondspin .com tonight and checked a bunch of CDs that I have. I can get rid of 13 for about $20. These wouldn't be missed - we have the songs that we want on Itunes anyway and I can't remember the last time we listened to any of them. I just need to listen to some, make sure they don't skip, etc., before I officially sell them and send them off.

2) I'm planning on hitting one or two of the ongoing book sales at the local libraries to see if I can hit any pay dirt there.

3) I have a piggy full of change. I'm going to see how much it is and put it toward the challenge. My goal is to boost my challenge amount high enough to take advantage of one of the local banks account opening bonuses.

Should be a good challenge week...

I received the full credit of $13.38 from Cash4books. It was deposited into my Paypal account today. Not bad. Took just over 2 weeks. So that's $13.38 more for the challenge, bringing me up to a whopping $49.39. I may have to scrounge around the house for some change to get it up to $50!

Two more books were claimed on paperback swap, so I'll need to add "going to the post office" on my list of to-dos tomorrow.

Hubby will be travelling over the next few weeks, so I plan to take a few vacation days while he's gone (to cover pickup and drop off of the kids, NOT to celebrate the fact that he's gone and have a wild party). I'm hoping to use the time to organize and declutter more of the house. Where to begin?

I was pretty productive today. Here goes:

(X) Sign kids up for Basketball and Indoor Soccer ($350 ouch).
(X) Update credit cards / budget spreadsheet.
(X) Contact Caregivers Marketplace re rebate
(X) Contact Staples re Easy Rewards
(X) Mail dad's credit card bill

I emailed Caregivers Marketplace because I was expecting a rebate of $13.75, but the check I got in the mail was for $11.75. The customer rep emailed me right back and told me that the $11.75 was for a previous rebate I submitted, and I'll be getting the $13.75 next week. Hot dog, that's another $11.75 to my $20 Challenge!

I also picked a penny up on the street today, so it's actually $11.76. (Baselle, I'm still amazed that you found $20 in a year. I work in NYC and was sure that I'd find a few cents each day. I've been looking for about a week now, and that penny is all I've seen).

I planned out my next attack for the $20 challenge. I like the book/dvd thing and most of the libraries in my county have used book sales. I went online and got the schedule for each one, and I'm planning on hitting them over the next few months. I'll write down the ISBNs, use the library computer to check right away what will/won't be accepted, then buy the ones I can resell. In most cases, hardcovers are $.50-$1, paperbacks are $.25-$.50 and DVDs are $1 or less. I'm hoping that I'll strike some gold (or silver at least). I'm not at all a garage sale person, but I bet the same approach would apply there, especially for DVDs.

Big day tomorrow, with lots to do. Here's the list in advance, so I can get cracking on it first thing:
( )Drop off gift cards
( )Go to bank
( )Close Citibank Checking account
( )Submit and mail credit card rewards form (there's about $450 there. What am I waiting for?!)
( )Finalize menu for Saturday and grocery shop
( )Laundry (DD needs uniform for Saturday, so this is a must!)

I managed to do everything on my list yesterday, except for 2 small things: 1) I deposited the checks at the bank but didn't schedule the xfer to the emergency fund. 2) I picked up the grocery gift cards, but didn't drop them off to the person who needs them. I'll take care of #1 today. I'll have to take care of #2 tomorrow.

Some interesting (or not) facts from yesterday's to-do list:

I submitted the receipts for the kids' dentist visits. Their dentist is out of network but we like him so much that we continue to go to him. No worries, as fortunately our plan still pays 100% for the regular checkups, even though he's not in the plan. Good deal. Bad news: They only cover flouride 1x/year and he gives it to them 2x, and for one of the services, he charges $15 more than their reasonable and customary. So the total bill was $450, and I'm going to have to pay $180 out of pocket.

I enrolled in my 2010 health plans at work. Same plans as I have this year, but my premiums are going up by $192 for the year. I'm still pretty happy with it, though. Medical, Dental, and Vision for a family of four will be $3,192/year (or $266/month), and the coverage is pretty generous. Can't complain. I'm just thankful that I have the insurance!

I also signed up for $1800 in my Flexible Spending Account. I only had $1500 this year, and I blew through that in January and February thanks to a root canal and crown. Next year, hubby and I will both need glasses, and we'll have the same dentist issue as this time, along with our prescriptions and regular costs, so I have no doubt that we'll use it all up.

Other happenings: Got an email from Cash4books that they received my package. I didn't credit my $20 challenge account yet because the money is not in Paypal, but hopefully I'll see that by the end of the week.

Today's to do
1) Transfer funds to Money Market
2) Call gym for appointment for DD
3) Sign up for event at DD's school
4) Plan menu for Saturday dinner (another couple is coming over, and I'm going to be super short on time).

I'm inspired by everyone cranking through their "to-do" lists, so I'm going to try posting my top 5 to-dos on my blog to keep me accountable. So here they are:

1) Complete the paperwork to be reimbursed for my kids' dentist visits.

2) Deposit check at the bank and set up transfer to money market emergency fund.

3) Go to post office and mail paperback swap book.

4) Pickup grocery gift cards for school fundraiser.

5) Register for 2010 health benefits at work (it's open enrollment time!).

Let's see how I do...

OK, on to my class trip rant. I'm all for kids going on field trips to enrich whatever learning goes on in school. But it's costing me a fortune! Last week, 2 permission slips came home in the backpack for DD. The first is for them to see a Broadway show ($102), the other was for a teambuilding field trip ($34). She had one earlier in the year for Ellis Island ($32). DS already had a field trip for ($28). This was all unbudgeted (though you'd think after 6 years in the school, I'd realize that I get hit for stuff like this every year and plan for it. Lesson learned for next year!). Anyway, is it all really necessary, or can they sit in school and do reading, writing, and arithmetic?

$20 challenge update: I received notification from second spin .com that they accepted my order and deposited $11 in my paypal account. Not bad for getting rid of 4 dvds that we never would have watched again. The turnaround time was pretty quick - less than 2 weeks from order to payment. I'd definitely recommend them. They also take cds and video games. So that brings my $20 challenge up to a whopping $24.25! Woohoo!

I went grocery shopping today and scored a few good deals: Pert shampoo on sale for $1.99. I bought 3, and had $3.50 in coupons, so I got 3 for $2.50. I bought a 2-pack of Hot Pockets on sale for $1.99 with a $.75 coupon doubled = $.50. 12-pack of Rayovac AA batteries for $.99 after coupon. You get the picture.

Sat outside for a FREEZING cold, damp, windy soccer game. Sprung for Dunkin Donuts hot chocolate - totally worth it.

Didn't get around to making my butternut squash soup today, but I have all the fixins and will hopefully get it done tomorrow.

One more book gone on Paperback swap. I'll get that in the mail tomorrow.

I also got a bit of organizing done in DS's room on Saturday. I have a bag of clothes that no longer fit ready for goodwill, and another bag full of garbage. His room became the storage place for everything in the house that had no where else to go. It's not perfect, but it's a major step in the right direction.

Should be a quiet week financially.

I had 4 more books claimed on paperback swap so I have to get them to the post office.

We're going to a concert tonight. Bought the tickets before I got back on the frugal bandwagon. We're having dinner at home before we go so it should be an inexpensive evening. The weekend is looking just as quiet. We're having dinner at a friend's house tomorrow, and soccer Sunday morning. After that, I'm all about cooking - soup, bread, maybe chili.

I don't know what's up with east coast weather. It snowed yesterday, and was about 39 degrees when I picked the kids up from school. Brrr. Damp and rainy to boot. The heat's on, but we're keeping it at 63 degrees for the day.

Totally off topic, what's up with balloon boy and his family? I don't know if it's a hoax, but that father is guilty of being a little kooky.


That's about it. Not much to post about, but I wanted to stay in the habit...

I put a bunch of kids books on Paperback swap last week. 4 were claimed right away, as customers had them on their "wish list" so as soon as they were posted they went. Four more books were claimed over the last few days, which will go out in the post office tomorrow. I also received a request for someone who wanted to get a 3 for 1 deal on some Magice School House books that are really small, and should hardly count as 1 credit each. That's 11 books out of my house in one week. I'll get credit for 9 of them.

I also received 2 Paperback Swap books in the mail today, both on frugality/saving. I haven't read either of them previously, so I'm looking forward to it.

Folded 2 loads of laundry tonight

I sometimes feel like I've got a money angel on one shoulder and a money devil on the other shoulder.

Money angel made me stop at the Target on my way to Dad's house to return DS's pants that I bought last week. $14.99 credit on my card. Bought dish detergent at the store with a TMF mail in rebate. Paid $1.79 and will get $2.99 back.

Now for the devil. I had to drop off mail to my brother. Mess doesn't even begin to describe what this man has done with his life. Deadbeat dad, alcoholic, pathological liar, sponger, on and on. He has mail sent to dad's house (because he doesn't have a permanent residence) and he asked me to drop it off to him. I got there, hugged him, gave him his mail, and was about to make a hasty retreat when the request came: "ah, hey, do you have $20 on you?". I should have lied, said no, and hightailed it out of there, but the devil on my shoulder said "no, he's worse off than you are, you can part with it". So I gave him $20. It came out of my personal fun money (because Hubby has a much stronger backbone than I do, so it can't come from house funds). The whole way home I rationalized it by saying that I only see him once or twice a year, it's easier to say yes than no, but I'm still upset with myself for not saying no. Uggggh.

DD had a soccer tournament today. First game was 9:45, second game was 4:30. In between, we went to Applebees with the team for a team lunch. One of those bonding things that's tough to get out of. I was pretty pleased, though. We had a fabulous lunch for $54 (4 people). I was so full at 6:30 tonight that I didn't have dinner! I thought it would be more (usually is when there's a large group and the check is split), so I feel pretty good about that. Other than that and a gas tank fill-up, no money spent.

Not much on the docket tonight. I'm sipping a glass of wine (ok, more drinking than sipping), planning my grocery store run for the week. That's about it. Oh, and more laundry

When I decide to do something, I usually obsess and focus on it non-stop (except losing weight! lol). I've been so focused on getting my finances back in order that I didn't do a stitch of laundry this week. Until today, when hubby and DS informed me that they have no more socks. Oops! So I did 3 loads.

On the financial front, I opened up a money market savings account at BOA for our emergency fund. Right now we have a bunch of accounts all over the place, and I wanted to consolidate. The rate is 1.05%. I checked out ING and their rate is 1.30%, which is a difference of $25/year on $10,000. So I opted to keep it local at BOA. Not sure yet how high we'd like it to go, but certainly higher than it is now. I'll track it on the side, and we're planning to add $250/month to it.

Soccer was not cancelled. The weather guy's report was wrong (go figure). I always say that if I did my job as inaccurately as they do theirs I'd be out of work!

I didn't get to Target to return the clothes. I also didn't get to BJs, which was on my list. I should be able to take care of it on Sunday. But I did get to the Post Office, so that was something.

We have a 3-day weekend. Lots of soccer, shopping for Halloween costumes, BJs and Target are all on the list. And I'd like to spend some time on Sunday cooking. Butternut Squash soup, banana bread, meatloaf muffins maybe. mmm.

I signed up for an account on cash4books and sold 6 books for a total of $12.99, plus a 3% Paypal Bonus = $13.38. I'll box them up and get them to the post office tomorrow, and add that to my $20 challenge when I get the money.

I also signed up for an account on second spin and sold 4 DVDs for a total of $11. The bummer is that I need to pay for shipping, which will eat into the profit a bit, but still better than nothing. The difference will go to the $20 challenge also.

Four people requested books that I posted on Paperback Swap. No money for these, but I'll get them out of my house, and I'll get credits for books that I want to buy in the future. Those will go out tomorrow as well.

And finally, I have a rebate check for $13.75 from the Caregivers Marketplace that will count toward the $20 Challenge. For anyone who doesn't know about Caregivers Marketplace, you should check it out. They give you rebates on all sorts of items that caregivers (both of babies and elderly) would need. For example, Diapers, Depends, Polident, Ensure, etc. You submit your receipts and they give you $ back for each (usually $.75-$1). They're prompt with the payments. This will be the third rebate I've filed with them.

I'm not planning to include coupon/rebate savings in my challenge unless it's something I would have bought anyway, or if I made a profit (e.g., free after rebate and a coupon). In this case, I bought stuff for my dad during my monthly shopping trip for him that he reimbursed me for. The rebate is gravy, so I'll count it.

I'll update my sidebar to keep track of my Challenge on the progress. The books could work. I had some success with that a few years ago. We'll see.

Tomorrow should be quiet. It's supposed to rain all day (no soccer practice? Fingers crossed). I have to return some clothes to Target. And of course, get to the post office!

I logged most of my books into Cash4books.net. I can sell 5 for about $10 (but one of them I want to read again before I sell, so I'm going to make good use of my long commute tomorrow, then process them tomorrow night).

I cross checked the books on ebookdrop.com, but they weren't buying any of them. At the same time, I logged any books I didn't sell onto paperbackswap.com. You don't get paid for these books (members swap them for free), but for every book of mine someone wants, I get a credit to get a book for free. Comes in handy to buy Christmas gifts, kids' summer reading lists, etc.).

Then, someone in the forums mentioned secondspin.com as an option for selling used dvds. I logged a bunch of our dvds in. Many were only getting $.25 or $.50, so I'll hold onto them, but quite a few were getting $2 and one got $5. Initially, I think I'll part with 4 (for $11) and see how smoothly it goes.

So I'm going to process these orders tomorrow night and assuming I get the checks, that will be an extra $20 or so toward my challenge. Hmmm, a 100% return in 1 day. Wish I could keep that up!

Here's the good, the bad and the ugly for the day, ugly first:

I made the second payment on the cc that was due 10/5, so it's now paid off in full. I'll have to wait until my next statement comes out on the 13th to see what the late fee / interest damage is. At least I have a week to work on my story for the customer rep...

The bad:
Bought pizza at work yesterday, $5 on my id. This is the first slip up since I started.

Bought a bagel and coffee this morning, $1.94. Paid cash out of my allowance.

Went to Target to get fall/winter clothes for DS. I knew it was coming (he's growing like a week) and it was budgeted. Used my debit card. The key: I was all by myself. In and out in 1/2 hour, spending less then I would have if my "helpers" were with me.

The good:

Paid off the credit card.

Balanced my check book and projected out through the end of the month.

Starting the $20 challenge (see below).

Printed out a bunch of rebate forms, matched them up with coupons I have. Showtime has a $25 Visa gift card rebate for signing up for 3 months. We just signed up a few weeks ago so we could catch Dexter (one of our favorite shows) with the intent of dropping it after the season is over. If the rebate goes through, that will just about pay for the 3 months.

I have some money from my birthday, so I'm going to take $20 and start the challenge. I'm going to start slow, post some books on half.com, check cash4books, bottle deposits, some coupon and rebate savings. I'll get more creative after that...

I'm swallowing a tough pill as part of my "get organized/back on track" plan.

We had a HUGE credit card bill this month. I always pay the balance off in full each month, but my timing was off getting the funds to cover the bill into my checking account. As a result, I was only able to pay 1/3 of the bill, and I made the payment online the night it was due, which means it didn't hit until the next day (late!).

The balance of the bill will be paid on Thursday, but I'm still going to get hit with interest on the outstanding amount. I'll also get hit with a late fee, though I'm going to try to call them to get that waived.

Ouch! Tough lesson learned. This one will hurt for a while . I'm now moving away from the credit card and onto the debit card. Much safer. Eventually I'd love to use an envelope system, like I've read on some blogs. Slow and steady...

DD has soccer practice every Monday night, next door to the neighboring town's library. I've taken advantage of it by borrowing 3-4 CDs each week, which I then go load onto my Itunes. In most cases, I'm getting songs that I really like, but definitely wouldn't pay $1.29 for (yes, they raised the price from $.99!). Great way to build my music collection for free, and little opportunity for late fees because I'm there every week.

Didn't spend any money at work today, though I'm hungry because I only brought breakfast (not lunch) and I haven't stocked my file cabinet with food yet. No worries, we have a machine on the floor where we can get free coffee, tea and hot chocolate, so I'll grab a hot chocolate to hold me over until I get home.

Finished reviewing the September bills and tried to plan out the rest of the year. We have some emergency funds in 3 different accounts and we're looking to consolidate. Wow, rates are low right now. Even ING is only 1.30%. Our regular bank has a money market deal that's at 1.05% so we'll open the account there, even though the online rate is higher. (Net difference - $25/year on $10k. I'd rather have one less account).

Has anyone done Dave Ramsey's plan? I looked it over but haven't completely bought in. We have a manageable level of debt (though none would certainly be better) - a mortgage, car payment, and heloc. Details on my sidebar. The HELOC is the one that really stresses me out, but I can't get over his idea that I should only leave $1000 in my emergency fund until all non-mortgage debts are paid off. Doesn't seem like a big enough cushion to me. Anyway, I'd love to hear about everyone's experience with his plan.

I had a great Saturday. I spent an hour in each room and did whatever I could to straighten up the room during that hour. When the hour was up, I moved on. It felt so productive and not overwhelming, because I knew that when the hour was up, I was done. Of course the place is such a mess that I need many more hours to get rid of all the clutter and get organized, but I felt like it was a great start.

I also got through many loads of laundry, including folding them instead of just leaving them in the basket!

I spent money at the grocery store, wine store, and for a friend's birthday. The wine was unplanned, but a good deal.

Today should be a no-spend day. MIL took us to the diner for breakfast, her treat. Unfortunately I have to get some work done today (in between football games) and I'll update the September numbers later tonight.