mjrube94's Blog

I'm having a good day...I received my NYS tax refund of $1673. It will immediately go back into our savings account, from which the hefty Federal Tax bill was paid. It will feel good to start building that back up.

I also got an offer from my Citibank Drivers' Edge card. For 3 months, they'll give us a 5% credit on all purchases, instead of the usual 2%. We charge everything and pay the bill each month, so for 5% it will be worth it to use that card more over the next few months...

I worked from home today, because it was DS's Kindergarten Orientation. Other than taking the kids back & forth to school, I didn't leave the house. So I saved $34 by not going into work ($20 parking, $2.05 tolls, and ~$12 gas).

I also have dinner in the CrockPot. One thing about crockpots: you're totally screwed if there's a blackout! Our power went out for 1 1/2 hours this morning. Luckily I was home so when it came back on, I reset the Crockpot and am good to go. Had I been at work, we'd be ordering out tonight!

While on the subject of Crockpots, I'm going to start a "Worth It/Not Worth It" list in my blog. Today, for the first time, I used Crock Pot liners by Reynolds Wrap. Absolutely no mess! No baked on gook. I received a sample package of 4 in the mail (which makes them even MORE worth it), and I don't know what they cost at the store. But I'm thinking if they're at all reasonable, with a coupon, then they're WORTH IT! I'd love to see others list items in their blogs that they think are worth it or not...

So this woman contacted me and was interested in buying some books I had listed at half.com. Then she tells me that she's actually interested in ALL of the books in the series that I had (29 in all). She asked me to calculate the total bill + shipping and I got back to her with an email Saturday afternoon. Then, NOTHING. So I send her another email on Sunday to make sure she got my email and wanted to go forward. She finally sends me an email at 9:00 Sunday night to say sorry, she actually found some books at a discount store that she bought instead, but she'd keep me in mind for future purchases (don't bother!).

HELLO? She contacts me, she knows how much the books are because they're listed at half.com, I get back to her in record time, then she bags it, after we agreed in principle and were just working out the details. Is it me or is that totally rude? Not to mention deflating because I was really looking forward to the contribution to my challenge account.

So I realize that I could never do the ebay thing full-time. It's just too frustrating when you run into people like this. Sorry for the rant, had to get it off my chest.

Other than that, had a great Mother's Day with the kids...got some nice flowers and a gift certificate for a massage. Hope all the moms (current, future, grandmas, etc.) had a great day!

So I mentioned last night that I received an email from someone looking to purchase Magic School Bus books as a gift. I wrote her back figuring that she'd buy a few and I'd make a couple of bucks. Well, she wants to buy ALL 29 OF THEM!!! At $2 each, I'll be adding $58 to my challenge! (I'm charging her actual shipping costs, so that will be a wash). Even nicer...we've agreed to have her make payment thru Paypal directly, and I'll ship them out Monday, bypassing Half.com and their fees! That's a TREMENDOUS boost to my challenge and it has completely made my day!

Spent the morning sipping coffee, checking out the Sunday coupon inserts and making my grocery list for the week. Cleaned out all of my desk drawers over the last two days, so while that's like a drop in the ocean in terms of the disorganization in my house, it's a start and I'm pretty happy with it.

Off to enjoy the rest of my day...

Wow, that last entry was a downer...I'm now officially over myself!

It's going to be a dreary rainy weekend, which is ok by me. We've got a birthday party and communion party tomorrow (still need to get the communion gift). Sunday we're going to MIL's for the afternoon. We usually pick up hanging baskets for her, and flowers for hubby's aunts. I'll be hoping (lucky) to keep it under $50.

I'm excited about an email I received today. I have a number of Magic School Bus books listed on half.com. Someone emailed to check the shape of the books, because they wanted them for gifts. I wrote back that they were practically new, and to let me know which ones she wanted. I'm hoping that she'll buy a few of them, which will add $2 each to my challenge.

My goal this weekend (in addition to relaxing) is to start the review of my budget. I took out a new finance book from the library...mostly the same stuff, but I'll use it as reference as I go through my list.

As I caught up to date with my budget, I figured something discouraging out: The top 3 categories in my budget account for 59% of my spending and I can't/won't do anything about it.

Taxes (Federal/State/FICA/OASDI) top the list at 25% of our gross pay. I already max out our 401(k)s, take advantage of FSAs, pay pretax for health and commuting expenses, itemize deductions, and invest in low-turnover, growth mutual funds. Other than the drastic measure of quitting my job (which I don't want to do), I can't think of anything else to get this category down.

Mortgage/Property Taxes/House Insurance accounts for 17% of gross pay. We have 11 years left on a 15-year fixed mortgage at 4 5/8, which is great. We shopped around for the best house insurance (although I do need to review our coverage to make sure it meets our needs), and property taxes are going up in August, though the final numbers aren't in yet. I pay tax and insurance directly so I don't have an escrow account but again, short of moving (which I consider extreme), I don't see what else I can do to get this down.

Savings account for 17% of gross pay, and include our 401(k) contributions, and savings for our kids' college educations. I'm trying to boost this up, not cut this down, so it's staying where it is.

After the big 3, the next category is at 5% of gross pay, and they all go down from there. So the long and short of my rambling is that it's a bit discouraging to realize that you don't have any "home runs" left to hit. It's great to get the utility bills down, keep grocery spending under control, etc., but when 59% of your spending is locked up in 3 things you can't chage, it's a bummer.

So I will continue to focus on the little things. I went through an exercise last spring where I went line item by line item on my budget and think it's time to do that again. 4 singles=1 home run...

On Saturday I received the second round of the coupon train. I decided to keep track of what I'm saving versus shipping costs. I marked all of the coupons I took out with a red dot, so I would recognize them in the envelope with the rest of my coupons. Periodically I'll add the amount I've saved to my challenge total.

I mailed out the package today, so my total is -$4.05. Can't wait till next week's shopping trip!

Wow, it's been almost a week since I've posted. I'm on this site every day, but just haven't had the time to update the blog.

Had a busy week. Went to a Communion on Saturday, and had a Cinco de Mayo party yesterday. The party caused the grocery bill to be much higher than normal, but I should still be able to stay within budget this month.

I need to update my budget and see how things are looking for May. I did pay the last preschool bill last month, so that should be a big help getting things back to normal.

Like alot of people here, it seems like May is pretty crazy with the gifts. We have one more Communion next weekend, MIL's mother's day present, plus whatever hubby gets for me, a birthday and a bridal shower present (already have gift cards for both) and 2 kids' birthday parties (already have presents for both). So I'm hoping the bank won't be broken...

Updates to the challenge: Not much. Got the $4.10 deposit from half.com. Need to call Citibank about the first $100 bonus.

New Total: $834.74/$2000

Outstanding items: $100 (Citi bonus 1), $100 (Citi bonus 2), $2 (Chandon rebate), $5 (GG Rebate), $10 gas voucher (Jan-Mar), IDT Phone card(s)(?), $8 Tostitos rebate, 4.00 (Apr Walgreens), $.25 (Apr Eckerd), $5 (PNC gas voucher), $10 (EV gas voucher).

ShopRite is running a promotion where you can get up to 30% off based on how much you spend in a set 5-week period. ($300=10%, $600=20%, $900=30%). Dad's bill on Saturday was about $325, so I got a 10% coupon already. I'll definitely spend enough over the month to get the second certificate, for a total of 20% off. Combine that with the coupons I hope to get from the coupon train next time it stops by me and I'll be ready to stock up!

The Communion on Sunday was fun; great weather. Back to work yesterday and things have been busy! Ran a few errands today, including paying my property taxes, so that's behind me. On to the next thing!

These trial memberships have been great. A friend of ours is getting married in July and is registered at BBB. We want to get her this appliance on her registry for $60, minus 20% coupon = $48 minus $40 in BBB gift cards from these memberships = $8 out of my pocket! Can't beat that!

Have a few more updates to add to the challenge: I'll add in the BBB gift cards, so that brings me to $850.64. I'm also submitting a $5 gas rebate from PNC and a $10 gas rebate from Everyday Values. Not sure if I'll ever receive them, but it's worth the stamp to find out.

New Total: $830.64/$2000

Outstanding items: $100 (Citi bonus 1), $100 (Citi bonus 2), $2 (Chandon rebate), $5 (GG Rebate), half.com ($?), $10 gas voucher (Jan-Mar), IDT Phone card(s)(?), $8 Tostitos rebate, 4.00 (Apr Walgreens), $.25 (Apr Eckerd), $5 (PNC gas voucher), $10 (EV gas voucher).

I fell asleep on the couch last night at 9:45! This almost never happens...I'm more the 11:45 type. I needed it because I was absolutely exhausted, but I woke up refreshed this morning and things are looking up!

I'm going to a Communion tomorrow and hadn't yet gotten a gift. I was planning on getting a piece of jewelry. Money is usually the norm for these things, but the people are LOADED, so I felt wierd giving that. Anyway, a friend who is also going said she was stopping at the jewelry store to get a pair of earrings for the girl. She offered to pick me up a matching bracelet, I told her my budget and it was done! Crossed off my list without leaving the house. (She even offered to wrap it, but I thought that would be taking advantage!). So one thing done.

Then I asked hubby to take DD (and DS) to her softball game today. That will allow me to get out of the house at 1:00 instead of 3:00, which will let me return stuff to 2 stores, take care of Dad's shopping, and run some errands of my own.

Did manage to run the numbers for the end of the month and my net worth increased 1.96% last month, which is awesome considering that I had to take $8000 out of savings to cover the tax bill. Reminds me that we're doing ok, even though I feel like we're struggling. Especially with property taxes due 5/1.

On the challenge front, I received my March Walgreens rebate, which will add $6.30 to the challenge account. I'm also ready to send out April Eckerds and April Walgreens rebates. Also subtracting the $.90 it cost to mail the half.com book.

So all is good in MJRUBE94-land. Hope everyone is having a good weekend...

New Total: $830.64/$2000

Outstanding items: $100 (Citi bonus 1), $100 (Citi bonus 2), $2 (Chandon rebate), $5 (GG Rebate), half.com ($?), $10 gas voucher (Jan-Mar), IDT Phone card(s)(?), $20 BBB gc, $8 Tostitos rebate, 4.00 (Mar Walgreens), $.25 (Mar Eckerd)

Always a silver lining in the darkest of months...I went online for my electric bill today. Usage over the month decreased from 695 kwh to 649, for a decrease of 6.6% (YEA!). I'm on the budget billing plan, so my monthly payment is the same, but the credit in my favor went from $188.61 to $262.99. Storing up for A/C season. Also, I think this is the last month I have to pay on the overage from last year (they spread it over 6 months) so my next bill should be lower. It's great to have some good news.

This is going to be a busy weekend. In addition to getting my house in order, I need to buy a Communion gift, return some clothes, grocery shop for dad, and take care of some things on the old to-do list. I suppose I should get started...

My 4/28 paystub will be online tomorrow, so I should be able to close out the books for April. Dread is not the word! I know we'll be over budget due to the tax bill (along with some discretionary spending that went overboard), the question is how much I'll need to take from savings to get the checking account back to the minimum we keep it at.

As an aside, it's amazing how fast the IRS cashes your check when you owe them (5 days), but how long it takes to get a refund (NYS). The kicker is that my company offers free electronic filing and I didn't take advantage of it. (Not sure why)...

Nothing new on the challenge front. I NEED to mail out the book for half.com (tomorrow's the due date). I'll take care of that on my way to work.

I just went through my totals so far for groceries and gas this month. Good news: I've spent $429.70 so far, plus another $35 or so that hasn't hit my credit card yet. I'll definitely come in under my $500 goal, because I won't need to go the rest of the month.

We've also spent $263.26 on gas out of a $300 budget (stretch) or $350 (reasonable). I know hubby filled up one of the cars for about $40, and I filled one up for close to $50. I don't think either of those hit yet, which will put me right at the $350 mark. I think the cars are still pretty full, but there's alot of week left. I'm guessing one will need to be filled again before the end of the month.

I need to return some clothes/sneakers I bought for DS that don't fit, as well as pick up some gifts for Communions we have coming up. The first one is Sunday, so I need to take care of this over the next few days.

Updates to my challenge: I received the $20 Lowes cards and the $20 CC cards in the mail today, so I'm adding $40 to my challenge. We're also having a Cinco de Mayo party, so I picked up 2 bags of chips + 2 jars of salsa. They're on sale at ShopRite for $10 (2/$5 each), and they have an $8 MIR. However, I had $2.10 worth of coupons so they'll be FREE FOR ME! Boy are they going to taste even better with my margarita!

New Total: $825.24/$2000

Outstanding items: $100 (Citi bonus 1), $100 (Citi bonus 2), $2 (Chandon rebate), $5 (GG Rebate), Walgreens Mar (6.30), half.com ($?), $10 gas voucher (Jan-Mar), IDT Phone card(s)(?), $20 BBB gc, $8 Tostitos rebate.

I received the March RiteAid rebate. $33.75, of which $3.75 goes into the challenge account. Also, I signed up for another trial, and will add the $20 BBB gift card to the outstanding items.

New Total: $785.24/$2000

Outstanding items: $100 (Citi bonus 1), $100 (Citi bonus 2), $2 (Chandon rebate), $5 (GG Rebate), Walgreens Mar (6.30), half.com ($?), $20 Lowes gc, $20 CC gc, $10 gas voucher (Jan-Mar), IDT Phone card(s)(?), $20 BBB gc

Boy are my kids wiped by the end of the week! DD has been such a crankpot since she came home from school and NOTHING is making her happy. I hate days like this...it makes me fear her preteen/teen years! My son is happy but exhausted (just like mom).

Made some more progress on the challenge front. I received the $20 Barnes & Noble gift cards from a trial membership, I got the $50 bonus from Valley National, and half.com deposited the $15.65, so I'll add another $85.65 to my total. I also sold another book on half.com (Feast or famine I tell you), for $2 plus shipping reimbursement minus actual shipping costs. I'll update the total when I mail out the book.

New Total: $781.49/$2000

Outstanding items: $100 (Citi bonus 1), $100 (Citi bonus 2), $2 (Chandon rebate), $5 (GG Rebate), Walgreens Mar (6.30), RiteAid Mar (6.50), half.com ($?), $20 Lowes gc, $20 CC gc, $10 gas voucher (Jan-Mar), IDT Phone card(s) (?)

Proctor and Gamble comes through! I received a free sample of Tide liquid with Febreze (it says one use, but I'm sure I can split it for two), and 2 Bounce dryer sheets with Febreze. It made me think of the post in the forum where people commented on how many freebies they actually receive. I don't keep track (too tedious) so maybe I forget alot of them, but it seems like they all make their way to my house eventually.

Not doing a great job curbing the dining out bug. The kids wanted to go to TGIF's and I relented. I'm trying to avoid buyer's remorse because I love going there with them, but not when I'm trying to cut back.

On the way home I filled up the car (SUV) with gas. $2.75/gallon for regular for a total of $53.00! Ouch. Certainly trips like this one could have been avoided, but for the most part, our trips are required (commuting and the like). I'm getting good mileage (no pun intended) from the Shell credit card, so that helps. Also, hubby has travelled a bit more than usual this month, so he hasn't been driving that much. I also have a few work at home/vacation days lined up over the next month. I'm hoping the grand total at the end of the month won't be too much over budget. (Retire@50, if you're still looking to swap cards, I'm definitely into it!).

The weekend should be quiet. We have nothing planned for tomorrow. Softball game Saturday morning followed by a sleepover at grandma's for the kids, while we go to a friend's house for dinner. (No out of pocket; we just need to bring a bottle of wine). Then Sunday, DD has a birthday party but we already have the gift so again, no money out of pocket. Love days like that...

I can't believe how much I got done today! Went to the bank, 2 grocery stores, BJs, CVS, and the new bank to open my account. I also did a load of laundry, ran the dishwasher, made Rice Krispy treats, and a ham soup with the leftover ham bone from Easter. (And it came out pretty well, if I say so myself)! This is in addition to spending an hour at the park, and DD's softball practice for 2 hours. I'm about to pass out!

The big news today was opening the new bank account. Anybody who's read through my posts knows how much I rave about Affinity Bank in California. Well, for those of us in Northern NJ/Manhattan, Valley National Bank is a close second. I opened savings accounts for the kids last fall. They'll match up to the first $10 the kids deposit, which I thought was cool. And even though their savings rate is paltry, I like the idea of having a brick and mortar place the kids can visit to deposit their money.

So they're running a promotion through the end of the month where they'll give you $50 for opening a free checking account. No minimum required to open the account, no minimum balance, no fees, no nothing. And the $50 will be credited to my account tomorrow. (I need to leave the account open for a minimum of 6 months). One of the bummers associated with these bank deals is that you need to wait for them to credit you the bonus, sometimes follow up, etc. Can't beat having it in hand the next day. LOVE this bank...

Off to bed...

I was planning on saving my challenge money for a return trip to California wine country in November. However, we're now going with another couple we're friends with, and we need to do it over the summer (late July/early August) due to the kids' school schedules. So while I'm excited about going with this other couple, I need to pick up the pace with regard to the challenge.

With that in mind, I'm opening another bank account tomorrow. I was planning to do this in March but was too disorganized and needed to take a break. However, the bank extended the deal. $50, no minimum, no direct deposit needed. Can't pass it up.

I also got an email from a website called www.onsaletag.com, where you can sell books, cds, dvds, etc. Never heard of it before, but I'll check it out tonight and see how it works. I'm still a bit concerned about ebookdrop, so if I could find a viable alternative, all the better. Has anyone heard of this website?

Edited to add: Ok, I checked this site out. It looks like they're trying to compete with half.com, in that they don't buy or sell, they just act like the middlemen. However, (this may sound snooty or elitist - I don't mean it to be), the grammar on this website is so bad that I can't believe the site is for real. I can't believe that someone trying to promote their business would allow it. It's unreadable! So I think I'll pass, at least until I hear more about it...

In the meantime, I have a few updates to make to my challenge total. I need to subtract out $5.58 to cover the cost of mailing the half.com books. I need to add in the $2.20 from Eckerd's March rebates, and add a few more things to the outstanding list. So it now looks like this:

New Total: $695.84/$2000

Outstanding items: $100 (Citi bonus 1), $100 (Citi bonus 2), $2 (Chandon rebate), $5 (GG Rebate), Walgreens Mar (6.30), RiteAid Mar (6.50), half.com ($15.65), $20 Lowes gc, $20 CC gc, $10 gas voucher (Jan-Mar), IDT Phone card(s) (?)

I definitely need to think of some more ways to boost this up!

I was reading others' entries about the 50/30/20 system. Mine came to 58% needs, 20% wants, and 22% savings. Although the 58 and 20 are a bit off, I'm not too concerned because a few of the categories could go either way. (For example, I need groceries, but some of the groceries are wants). Interesting exercise.

I have a few things leftover from my list last week that I'd like to tackle today or tomorrow. Specifically, I need to close a savings account, go to the grocery store and pick up dry cleaning.

It should be a quiet rest of the week. Hubby's travelling through Friday, so it's just me and the kiddies...

I hope everyone had a great Easter. We were at MIL's...big spread, far more than I prefer. (I'm Irish and hubby's Italian. Even after 11 years of marriage I've never gotten used to all the food that's served, eaten and wasted on holidays!)

Anyway, after gorging ourselves all day, we came home with plenty of leftovers: lamb to have tonight for dinner, coldcuts and other pickings from the antipasto, and about 20 pieces of spiral ham, plus the bone. I'm thinking of making some sort of soup with this, but I need a recipe...So I'll be eating all week.

On the money front, I received the $35 Office Max rebate from the shredder. I was sweating this out because I think Office Max is going out of business so I didn't think I'd get it. I also got a $5 Eckerd card as part of their monthly rebates. Neither of these is going to my challenge, because I wouldn't have bought the stuff without the rebates, but it's still money in my account!

I mailed out the 2 half.com books this weekeng. Spent $4.08 on postage. I have to check my account to see how much is coming back.

Other than that, busy at work, busy at home...Have a great day everyone.

I finally got my act together and started making a dent on my list:

1) I photocopied and signed our taxes, and will drop them at the post office today.
2) I closed one checking account and will close the savings account on Monday.
3) Completed the form for hubby's mail order RX and will drop that in the mail with the taxes.
4) Called the heating/ac company about our service contract. It went up 33% from last year. Price hadn't changed for many years, so they went through all their contracts and reset the prices. Still worth it.
5) Signed me and dad up for the IDT class action lawsuit.

I still need to sign up for MyPoints Insider Club.

I have a bunch of errands to do today, including grocery store, dry cleaner, bank, laundry, cleaning, etc. Luckily we didn't have much planned for today.

On the challenge front, I sold 2 more books at half.com, and I need to add the $10 gas voucher to my list of outstanding items...

So I got the $10 worth of Barber coupons in the mail today. That's great, because I buy these for dad all the time and will have no problem using them up.

I also received the $15 in gas vouchers from PNC. It's so annoying...they give you three coupons for $5 each, one for the next three quarters. So now instead of submitting it and being done with them, I have to keep track of them for the rest of the year! I won't add that into my total until I get each check.

I also have $40 of gas vouchers from the Auto Advantage membership. I wasn't going to bother with them, because I cancelled the membership and didn't think I'd get them. However, I did receive a $10 check for groceries from another membership even though I cancelled, so it may be worth the cost of the stamp to submit it.

Finally, I didn't think about doing this before I sent the coupon train on, but next time I get it, I'm going to keep track of the coupons I take and use. Anything I save above and beyond the postage to send the train back out should go to my challenge. I should be putting all grocery savings in there, but am not that disciplined...

Almost forgot...Found $1 on the way home from work and signed up for 2 more memberships.

New Total: $699.22/$2000

Outstanding items: $100 (Citi bonus 1), $100 (Citi bonus 2), $2 (Chandon rebate), $5 (GG Rebate), $15 gas vouchers (PNC), $2.20 (Eckerd March), Walgreens Mar (6.30), RiteAid Mar (6.50), half.com (?), $20 Lowes gc, $20 CC gc

Is it ever not a crazy week? I don't think I've ever started an entry with "Gee, I have absolutely nothing going on and it's great!" At least it's all good...

DD has been off from school this week, so that meant a bit more juggling of the schedules than normal, especially now that I'm working every day. Also, with hubby's birthday tomorrow, and Easter on Sunday (thankfully MIL is cooking), and of course taxes due - don't forget about taxes due - things are just nuts!

Next week hubby is travelling Tuesday through Friday. Sometimes that makes things more crazy because I have to juggle everything myself, but on the other hand, I'm hoping it will give me time to finally get organized (like I've been talking about for the last few weeks but haven't gotten around to).

So here are my goals for the week:
1) Sign taxes and get them in the mail by Monday.
2) Close one checking account and one savings account
3) Put in hubby's mail order RX, which will save us $100/year once I actually get around to doing it!
4) Sign up for IDT class action lawsuit
5) Sign up for MyPoints Insider Club
6) Call Heating/AC company to find out why our service contract doubled

The kicker is that none of these things takes more than a few minutes and I just haven't gotten to them. Now's the time!

Also, (totally unrelated), it seems like there are a lot of new people blogging, and I think it's great! I really look forward to reading everyone's entries...

WooHoo! I received two unexpected checks in the mail. The first was $10, for a voucher I sent in for one of those trial memberships. (I cancelled the membership and never thought I would see the $10!). The second was a $5 rebate from Amazon for something I bought for Christmas. I threw out the packing slip needed to redeem the rebate, but sent in the form with a nice little note about how I didn't have the slip, but had the UPC code...it took so long that I didn't think they'd honor it but they did. Yay!

In other challenge news, I received an email from IDT. A few years back, I had their unlimited everything service for $40. (Also referred my dad). Apparently they were charging customers for the gov't surcharge, but not forwarding the money onto the gov't. So a class action suit was filed. Depending on when you were a customer, you get either a $15 or $25 paid phone card. I'll file the claim for me and my dad. It won't be resolved until July-August, but it's something to look forward to!

New Total: $688.22/$2000

Outstanding items: $100 (Citi bonus 1), $100 (Citi bonus 2), $2 (Chandon rebate), $5 (GG Rebate), $10 (Barber coupons), $15 gas vouchers (PNC), $2.20 (Eckerd March), Walgreens Mar (6.30), RiteAid Mar (6.50), half.com (?)

I know, I know...it's April 9th, but I've been avoiding doing my March recap because it was a sub-par month. A few things put me over the top: We spent $509 on gas for the cars! I've been shooting to spend $300. I did great with this in February, so I expected March to be a little higher. Add in the trip to NC (~1150 miles round trip), and that added another $100+ to the bill. Better luck this month.

We also spent almost $400 eating out. We were shooting for $260 ($100 regular + a dinner for $160 that we planned for. The rest was totally unbudgeted.

On the plus side, I finally cancelled AOL ($17.95/mth) now that I have cable internet.

I'll learn a lot more about my financial picture this month. Hubby's raise takes effect this month, and he'll get a small bonus. We need to drop his withholding to zero, plus put $200/month into an account for estimated taxes. Also, our town did a revaluation and our property taxes are going up in August. We currently pay around $7700/year, and after the calculation the town gave us to estimate the new amount, it comes to about $9700. So that means an extra $175/month to that account. Fortunately, this is the last month I need to pay for DS's preschool, which will free up $655/month to cover these new outlays. Curious to see where it all ends up.

I'm looking forward to getting my coupon train...this was a good week for coupons! Other than that, I need to (finally) mail out the taxes and file some stuff!

A few weeks ago I wrote about an energy saving kit being offered to NJ gas customers for $5. I got it today. It included weather stripping, low flow shower heads and faucet aerators, and outlet cover insulators. It also came with two cards with energy and water savings info. Some of the tips on the cards are basic, but others I didn't know, so I figured I'd pass them along. Check out www.niagaraconservation.com for more info.

One of the things I liked was the listing of kwh used by many appliances, which I didn't know and I'm going to start paying attention to:

Dishwasher- 30kWh w/drying cycle, 20 w/o
Oven 350 degrees for 1 hour- 60 kWh
Microwave Oven - 16-40 kWh
Toaster- 4-12 kWh
Coffee Maker- 12kWh
Washing Machine (5 loads/wk) - 7 kWh
Dryer (5 loads/wk) - 100 kWh
Radio (3hrs/day) - 9 kWh
Television 23-25" (4 hrs/day) - 20 kWh
VCR/DVD - 5 kWh
PC Desktop/Monitor - 10 kWh
Ceiling fan - 18 kWh
Central Air (750 hrs/yr) - 2,250 kWh/yr
Water Heater (family of 4) - 250-400 kWh
Refrig (17cu ft,frost free,10 hrs/day) - 150

My goal for the weekend is to check my electric bill to see what I'm being charged for a kWh to get a sense for home much $$ each of these things is costing me. Then I can figure out where best to direct my efforts. (Line Drying clothes looks like a frontrunner already!).

A few other little known (to me) facts:
*You can cut your water heating bills in half by using low-flow aerating showerheads and faucets.
*Use task lighting. Instead of lighting an entire room, focus light where you need it.
*An outdoor central air conditioner unit operating in the shade can use 10% less electricity than if in the sun. (Ours are...not sure how you'd move them if they weren't)

Interesting stuff...I'm looking forward to looking into this further to try and cut down my bill...

The challenge is 1/4 over, so I tallied everything up to see how I'm doing.

Bank Bonuses ($900) - So far I've received $175, with another $200 outstanding. I didn't do a new one in March and probably won't in April. Instead, I'm cleaning up some accounts to get myself organized.

Books ($360) - Ebook finally came through with all of their payments. My new total in this category is $136.33. Half.com alone won't be enough to reach my goal of $360, so I think I'll try ebook again, though cautiously.

Rebates ($120) - I've received $89 so far, so I'll easily surpass this goal. I'm pleasantly surprised at how well this category is working for me.

Recycling ($100) - $1.95 so far. Should I even bother listing it anymore?

Other ($520) - $226.93 so far. The gift cards from the trial memberships really boosted this total.

Daily Savings - $69.01 - I added this category last month and don't really have a target. The key is actually transferring the money I save when using coupons, forgoing something, etc.

New Total: $673.22/$2000

Outstanding items: $100 (Citi bonus 1), $100 (Citi bonus 2), $2 (Chandon rebate), $5 (GG Rebate), $10 (Barber coupons), $15 gas vouchers (PNC), $2.20 (Eckerd March), Walgreens Mar (?), RiteAid Mar (?), half.com (?)

I'm glad to see I was the victim of an April Fool's joke. (I need to wake up before I jump on this site...it didn't even occur to me that it wasn't real). Anyway, so glad to see that the site's not going anywhere!

I still need to finish up tracking March's spending. I did calculate our net worth, and it went up 5% last month, so that was good news. It helps me remember that even though I feel like a pauper sometimes, it's worth it to boost up our 401(k) and (slowly) pay down our debts.

April didn't start off real well financially. I went shopping to buy myself some clothes and shoes for work, and spent most of my budget for the year! (yikes). I don't really know what to expect for April, because hubby gets his raise and (small) bonus, and we have to change our withholding so they take out more tax, which will definitely impact take home pay. But it's a bullet we need to bite, in order to get our act straight.

So that's about it for now. Glad everyone is sticking around for a while...

I have really mixed feelings about the news that the site was sold. Of course I'm thrilled for Jeffrey and Nate, because they deserve to be rewarded for all of their hard work. At the same time, I'm curious to see what the changes will mean to us. I feel like I've really gotten to know a few of the posters well over the last year or so, and would hate to lose that support network if we're all forced to go our own way if the site changes too drastically. I don't know if I could support a site who's main focus is on payday loans...

Several people have mentioned that they visit more than just this site. Has anyone found one they could recommend in case this changes too much? I love the combination of the blogging and the forums, and haven't come across anything else like it. Wow...

I'm usually on this site 2 or 3 times throughout the day, so I've definitely missed not having it lately!

The last few days, as expected, have been expensive, and I've been so busy at work and home that I haven't even been able to look at the budget. I hope to get to it tonight or tomorrow (Friday at the latest) and it ain't gonna be pretty!

I'm adding 30.69 to my challenge account: Ebookdrop came through with the last of my money ($15.69) so now they don't owe me anything. I also got the $10 Kimberly Clark rebate sent to Dad's (amazing!) and I saved $4 at ColdStone Creamery by using a b1g1 coupon.

I also mailed out the March rebates for Eckerd, Walgreens and RiteAid. Most of the rebate total won't apply to the challenge because I'm just stocking up. But stuff I usually buy, or coupons I use count.

Just trying to get through the last few days of the month without completely breaking the bank...

New total: $655.75

Outstanding items: $100 (Citi bonus 1), $100 (Citi bonus 2), $2 (Chandon rebate), $1.00 (Feb Walgreens), $5 (GG Rebate), $10 (Barber coupons), $15 gas vouchers (PNC), $2.20 (Eckerd March), Walgreens Mar, RiteAid Mar

Always a struggle for me...I'm planning on taking the next few days to get my act together and regroup. We (still) haven't signed off on our taxes. I'm not in a rush because we owe money, but it would be nice to have them signed and ready to go for April 15th. I also need to cancel one bank account and set up direct deposit on another. I need to cancel a few trial memberships and get a few rebate forms in the mail. Stuff like that.

As a result, I ended up not opening my next bank account. I was also planning on doing a Ford test drive ($50 gas card), but haven't gotten around to that either. Both deals end on March 31, so if I can have a productive few days getting my act together, I may still be able to do them.

I'm spending more than I'd like this weekend. My roommate came to visit and we had dinner ($65). Today we're taking the kids to ColdStoneCreamery for ice cream to celebrate DD's report card, but luckily, they sent B1G1 coupons, as a result of my having signed up on their website. Then tomorrow, I need to go to dad's for a few hours, followed by dinner with friends to celebrate a birthday. Good thing I complained about needing to keep the eating out bill down a few weeks ago!

I'm really looking forward to the coupon train. I cut out just about everything from the Sunday papers, including coupons I don'e use, in case someone else can benefit. What a great idea.

So that's it for now...Have a great weekend everyone.