My direct deposit paycheck came through today and the only bills I have left to pay this month are: Rent, Car, Food and Gym. That is a total of about $530 and my check was $720. I will pay an extra $150 to Capital One 1, but since I made a payment recently, their system won't let me make another payment.
Also, my rent isn't due until March 1st and my car payment until March 4th. So, I guess I'll just have to let this money sit in my account. Frustrating.
I'll use some of the extra money to buy things like a humidifier filter, Drano and other household items. No shopping for fun stuff!!
•••UPDATE••• Friday night I was able to make the $150 payment to Capital One 1 :)
Friday, February 20, 2009
Thursday, February 19, 2009
Trip to the mall and other ramblings
Since my last post I've tried keeping a list of when I spend money and honestly don't think I really like it. Maybe I'll just try keeping the receipts.
Just paid a tiny bit more to Capital One 1 (every bit counts!) so owe them $826.00. I still plan to have them paid by the beginning of May.
It's hard to not spend money on things I don't need. Yesterday I went to Target and got some things to sell on ebay and some health and beauty stuff I need, yes, need.
I also went to Victoria's Secret and spent $26.xx on their 5/$25 deal. BUT....I didn't have to use any of my money. It was all paid with a gift card and a coupon :) The lady in front of me spent about $300! Apparently she is getting married and from what I saw, was buying some super fancy shmancy stuff!!! Ah, the good old days of shopping at VS!
I went to the mall to return some stuff for my boss and while there saw some tank tops that I must have once summer hits! They are super basic tanks which I live in at the (almost) best time of the year. :)
Just paid a tiny bit more to Capital One 1 (every bit counts!) so owe them $826.00. I still plan to have them paid by the beginning of May.
It's hard to not spend money on things I don't need. Yesterday I went to Target and got some things to sell on ebay and some health and beauty stuff I need, yes, need.
I also went to Victoria's Secret and spent $26.xx on their 5/$25 deal. BUT....I didn't have to use any of my money. It was all paid with a gift card and a coupon :) The lady in front of me spent about $300! Apparently she is getting married and from what I saw, was buying some super fancy shmancy stuff!!! Ah, the good old days of shopping at VS!
I went to the mall to return some stuff for my boss and while there saw some tank tops that I must have once summer hits! They are super basic tanks which I live in at the (almost) best time of the year. :)
Tuesday, February 17, 2009
Costco
I love Costco! Sometimes too much, I could spend a lot of time there, but shouldn't. Anyhow, I went there today with my mom and left with bananas, cheese, a pineapple, napkins and one of those small fire extinguishers for my car and/or camping.
The fire extingusher is something I have wanted for a while now and when I saw the price of $19.99 less a $7 coupon, I had to have it...for safety. My mom paid for the other one. We also split a package of napkins, those lovely Vanity Fair ones. Yes, I know, I'mtrying getting out of debt and maybe shouldn't be spending money on nicer napkins, but paid about $4 for 3 packages, of nice ones. Not too bad.
Also, the cheese, I wouldn't normally buy this, but $9 for a 2 lb block of my BF's favorite kind, I did. Normally I would ask him to pay for the whole thing, but he didn't ask me to buy it so I'll pay half...and eat about a third.
I really need to get better at keeping track of my spending and which categories to put things in. I need a category in my budget for household / non-grocery items such as napkins, drano (which we need), etc.
How do all you internet people (as if I had a group of people I'm talking to) do it? Carry a small notebook and write in it -- save daily receipts and log them daily -- any suggestions?
The fire extingusher is something I have wanted for a while now and when I saw the price of $19.99 less a $7 coupon, I had to have it...for safety. My mom paid for the other one. We also split a package of napkins, those lovely Vanity Fair ones. Yes, I know, I'm
Also, the cheese, I wouldn't normally buy this, but $9 for a 2 lb block of my BF's favorite kind, I did. Normally I would ask him to pay for the whole thing, but he didn't ask me to buy it so I'll pay half...and eat about a third.
I really need to get better at keeping track of my spending and which categories to put things in. I need a category in my budget for household / non-grocery items such as napkins, drano (which we need), etc.
How do all you internet people (as if I had a group of people I'm talking to) do it? Carry a small notebook and write in it -- save daily receipts and log them daily -- any suggestions?
Monday, February 16, 2009
Capital One Opt Out
I received two Capital One important notice forms in the mail today, one for each of my cards. They are notifyng me that the terms on one of my cards (Capital One 1) is changing. My APR will be 17.9%! Also, the default rate and cash advance rate are changing.
The form states that I can opt out by closing my account which is perfectly fine with me. I plan to pay both my Capital One accounts off and closing them anyway.
The notice I received for my Capital One 2 card only states that they will be chaning my default rate. It is strange to me that they only chose to change the one thing on this account. I know (think) I'm in a locked rate for the balance I owe them at 3.99% which was a special transfer rate they gave me a while back.
None of this really matters with my Capital One 1 account since my estimated pay off date for them is the first week of May...if all goes as planned. I'll keep my fingers crossed!
Once Capital One 1 is paid off, I think I'll focus on AMEX for a while since the interest rate is 4% higher than Capital One 2 and I owe them about $10,000 more than Capital One 2.
Is this Opt Out thing a blessing in disguise???
The form states that I can opt out by closing my account which is perfectly fine with me. I plan to pay both my Capital One accounts off and closing them anyway.
The notice I received for my Capital One 2 card only states that they will be chaning my default rate. It is strange to me that they only chose to change the one thing on this account. I know (think) I'm in a locked rate for the balance I owe them at 3.99% which was a special transfer rate they gave me a while back.
None of this really matters with my Capital One 1 account since my estimated pay off date for them is the first week of May...if all goes as planned. I'll keep my fingers crossed!
Once Capital One 1 is paid off, I think I'll focus on AMEX for a while since the interest rate is 4% higher than Capital One 2 and I owe them about $10,000 more than Capital One 2.
Is this Opt Out thing a blessing in disguise???
Sunday, February 15, 2009
Groceries
It's so nice when you find a market that sells fruits and vegetables cheaper than chain grocery stores. I went to one today and bought bananas, limes, an avocado, two papayas, a few zucchinis, tomatoes, cheese, hot sauce, refried beans, dried beans, four bags of dried split peas, three onions and cilantro. All this for $21 which to me seems pretty good!
I can't believe I got two big papayas for $2.90! They were only 45 cents per pound...that's dirt cheap! One is for me and I'm giving the other one away.
The only thing I need to buy in the next few days is coffee which I get from Costco since it's cheaper, about $10. Oh, and tortilla chips ;) I love these!
•••EDIT: I no longer need to buy coffee, my mom gave me tons of it!••• :)
I can't believe I got two big papayas for $2.90! They were only 45 cents per pound...that's dirt cheap! One is for me and I'm giving the other one away.
The only thing I need to buy in the next few days is coffee which I get from Costco since it's cheaper, about $10. Oh, and tortilla chips ;) I love these!
•••EDIT: I no longer need to buy coffee, my mom gave me tons of it!••• :)
Saturday, February 14, 2009
WF is Paid Off!
Yesterday I went to WF bank and paid the account off. If I did my math right I have a negative balance of approximately $20! I'm waiting for some online payments to go through and also a few charges.
I'm so happy that I won't be giving them any of my hard earned money for interest anymore :)
I still plan to use this card but only for things I can turn around and make a payment for, like food, cell phone payments, internet, car insurance, etc. because I am on their reward program and want to turn in the points for $$$ cash $$$! This money can be used toward another debt.
BTW, I made a payment to Capital One 1 to bring the balance to $900.
I'm so happy that I won't be giving them any of my hard earned money for interest anymore :)
I still plan to use this card but only for things I can turn around and make a payment for, like food, cell phone payments, internet, car insurance, etc. because I am on their reward program and want to turn in the points for $$$ cash $$$! This money can be used toward another debt.
BTW, I made a payment to Capital One 1 to bring the balance to $900.
Friday, February 13, 2009
Paying off WF
I've decided that instead of keeping money in my savings account, I should pay WF a nice chunk of change. The interest I pay them is more than the bank pays me to keep my money there, so I'm better off paying WF. The interest I won't have to pay to WF if I didn't do this would probably be between $30-$50 for the time I was planning to take to pay them.
Today, they will be almost paid off, within $50! :)
Today, they will be almost paid off, within $50! :)
Wednesday, February 11, 2009
Spent a few dollars today
Today I spent about 28 cents on copies, about $5 on gas in the rental car and I found a penny at the Post Office.
I don't normally pay for gas since I have a company card, but I didn't want to put such a small dollar amount of gas in the rental car, which I'm also not paying for. The car just needed enough to get it up to the mark where it was when I got it.
I don't normally pay for gas since I have a company card, but I didn't want to put such a small dollar amount of gas in the rental car, which I'm also not paying for. The car just needed enough to get it up to the mark where it was when I got it.
Vodka + Vanilla Beans = Vanilla Extract
Last night I bought a bottle of Absolute Vodka ($12). It's not what you think. I don't drink. I bought it because I make my own vanilla extract for cooking/baking and I was running low. It takes about four months for the vanilla beans and vodka to turn into vanilla extract so I didn't want to wait until I was out.
Of course now I have to use a store bought extract (if I need it) during the next four months (I think I have some). I guess I need to have two bottles, one that is ready and one that is "brewing." The good thing is that I don't use it very often, but I like to have it handy, especially during the holidays!
Of course now I have to use a store bought extract (if I need it) during the next four months (I think I have some). I guess I need to have two bottles, one that is ready and one that is "brewing." The good thing is that I don't use it very often, but I like to have it handy, especially during the holidays!
Monday, February 9, 2009
Made a register for my WF account
I went ahead and made an entry in my notebook for WF so I can keep track of where my balance stands. I have four pending payments and a hold of $50 from a car rental place which will be returned to me.
Currently my account is at $1017 but after these payments clear the balance will be $707! My brother owes me $26 (for this card) because I did his taxes online and used this account.
Today I woke up so early to get a lot of things done, it's midnight and I'm exhausted!!
Currently my account is at $1017 but after these payments clear the balance will be $707! My brother owes me $26 (for this card) because I did his taxes online and used this account.
Today I woke up so early to get a lot of things done, it's midnight and I'm exhausted!!
Got paid -- updating sidebar
I got paid today so made payments and now have about $100 in my account. I'm going to hold on to this amount for a couple of days and decide where to apply it.
It's so hard for me to keep my sidebar totals updated accurately for a couple of reasons. One, I use my WF card to pay for some of my bills and then pay it right back. Two, payments take 2-4 days to show up on the account. I guess I will have to keep tabs on it like my checkbook register. This way I can mark the list off when a payment posts to the account. I need to be careful with this one because it's next in line to be paid off!
It's so hard for me to keep my sidebar totals updated accurately for a couple of reasons. One, I use my WF card to pay for some of my bills and then pay it right back. Two, payments take 2-4 days to show up on the account. I guess I will have to keep tabs on it like my checkbook register. This way I can mark the list off when a payment posts to the account. I need to be careful with this one because it's next in line to be paid off!
Sunday, February 8, 2009
More food
I went grocery shopping for some things today and spent $25.09 on food and $4.80 on marked down "girl stuff" which was really cheap for three boxes. Of the $25.09 for food, $2.50 will be returned to me, it was the cereal that is free after rebate. I also bought a Glade candle for $2.80 which I don't NEED per say, but I do need it.
I'm using up my grocery budget pretty quickly. I need to be smarter about how I spend my money to stay within my $150 budget for the month.
On the plus side of things, my BF paid me $100 that he owed me so I'm going to pay WF as soon as I can get this into my checking account.
I'm using up my grocery budget pretty quickly. I need to be smarter about how I spend my money to stay within my $150 budget for the month.
On the plus side of things, my BF paid me $100 that he owed me so I'm going to pay WF as soon as I can get this into my checking account.
Friday, February 6, 2009
Cashed in!
I took my loose change to the bank today. This is what it looked like before I cashed in, a full Ziploc bag that I could hardly close:
The total amount was $98.02! Off to pay WF :)
The total amount was $98.02! Off to pay WF :)
Mid-Year Goal
After doing some number crunching today I think it would be safe to say that my goal is to pay off Wells Fargo and Capital One 1 by the end of June. As far as I can see, the only way to make this happen is if my income doesn't drop.
Originally I was thinking that I would have both those cards paid off by the end of the year, but I really think I can do this by June 30th!!
Originally I was thinking that I would have both those cards paid off by the end of the year, but I really think I can do this by June 30th!!
Loose Change
Do you save your loose change every day? I'm not talking about bills, just coins. If you don't, you should start, and if you do, then you know how fast it adds up! Well, if you don't pay with a debit card for the things you buy.
Try putting your coins from the day in a jar or bag for one month. At the end of the month, see how much you collected, you'll probably be surprised!
I've been doing this for years and every so often I take the coins to a bank to cash in. Yes, there are Coinstar machines, but they charge you for their service, which is fair. But, there are banks that have coin counters and they will usually give you the service for free! Sometimes they say you need to have an account, you can call and ask them.
I was thinking about this because there is a blog called changepot.blogspot.com I saw it on some news site today. They don't collect their own change, instead the keep track of money the find throughout the day. Once they reach a certain amount they are going to donate it. This is a really neat idea.
So, I have some change I need to cash in and I'm going to apply it to my WF debt! :)
P.S. I rarely don't pick up change on the ground, including pennies!
Try putting your coins from the day in a jar or bag for one month. At the end of the month, see how much you collected, you'll probably be surprised!
I've been doing this for years and every so often I take the coins to a bank to cash in. Yes, there are Coinstar machines, but they charge you for their service, which is fair. But, there are banks that have coin counters and they will usually give you the service for free! Sometimes they say you need to have an account, you can call and ask them.
I was thinking about this because there is a blog called changepot.blogspot.com I saw it on some news site today. They don't collect their own change, instead the keep track of money the find throughout the day. Once they reach a certain amount they are going to donate it. This is a really neat idea.
So, I have some change I need to cash in and I'm going to apply it to my WF debt! :)
P.S. I rarely don't pick up change on the ground, including pennies!
Grocery shopping with BF this weekend
Bought about six bananas last night and they cost me $2.
It's my BF's payday so I'll be going grocery shopping with him sometime this weekend, but he'll be spending all the money! We don't split our grocery bill because we eat differently and his stuff tends to cost more. It works for us.
Speaking of my BF. I made him a written budget (he asked me to) so he could pay all his bills during the month and know what is left over. It made me happy when he thanked me for making it and even more to know that he is following it! Today he took his budget notebook with him and said, "I need this, it's payday." :) I'm all smiles. :) He's a sweetie.
When we go shopping I think I'll just pick up some chicken, tortilla chips and sour cream. My list is quite small and I have lots of rice, beans, ramen, mac & cheese to live off of for a while. :)
It's my BF's payday so I'll be going grocery shopping with him sometime this weekend, but he'll be spending all the money! We don't split our grocery bill because we eat differently and his stuff tends to cost more. It works for us.
Speaking of my BF. I made him a written budget (he asked me to) so he could pay all his bills during the month and know what is left over. It made me happy when he thanked me for making it and even more to know that he is following it! Today he took his budget notebook with him and said, "I need this, it's payday." :) I'm all smiles. :) He's a sweetie.
When we go shopping I think I'll just pick up some chicken, tortilla chips and sour cream. My list is quite small and I have lots of rice, beans, ramen, mac & cheese to live off of for a while. :)
Thursday, February 5, 2009
Killing my food budget!
I used more of my food budget to buy milk (canned and carton) and bacon. Finding food on clearance is one of my weaknesses, ie. the canned milk! I purchased 40 cans of evaporated milk for 25 cents each, that's only $10 for all of them! Normally these cost about a dollar each so they were 75% off and are good until the end of this year.
This milk can be used for mac & cheese, rice pudding and coffee creamer. I'm not sure what else I can use it for.
So, I've used quite a bit of my food budget so far this month and need to cut back a bit. The good thing is, I have plenty of canned/boxed foods to last a while. What I don't have a lot of are meats so will watch for sales. Maybe I should get a bag of frozen vegetables too. Costco may be best.
This milk can be used for mac & cheese, rice pudding and coffee creamer. I'm not sure what else I can use it for.
So, I've used quite a bit of my food budget so far this month and need to cut back a bit. The good thing is, I have plenty of canned/boxed foods to last a while. What I don't have a lot of are meats so will watch for sales. Maybe I should get a bag of frozen vegetables too. Costco may be best.
Wednesday, February 4, 2009
Car payment
Today a direct withdrawal for my car payment was made so I've updated the sidebar. The car payment is not crossed off the February budget because this money was taken from my last paycheck. The car payment on my February budget is for my March car payment.
Hopefully by the end of this year I won't have a car payment anymore since I want to sell my car.
Hopefully by the end of this year I won't have a car payment anymore since I want to sell my car.
Furniture Store paid off!
Today I decided to go ahead and pay off my Furniture Store account -- $58.97!
I know it's not a lot, but it's the first to go!
Since I did my budget and realized that my monthly bills come to more than I make, I figured that it is going to take me longer to get out of debt and I really wanted to pay off this bill this week. So I paid the bill from my ING account which when I transfer money to it to cover my ebay fees, I send a litte bit more each time, therefore I had enough.
I don't know if I've mentioned this before, but this is what I do to keep from scrambling for money when my ebay invoice is due. I look at my current ebay bill before transferring money from my PayPal account to my ING account and if my bill is $8.67, I send over maybe $12.00 or so. I keep track of the overage and each month I'm able to save a bit of extra money.
The next time I go to send money to my ING account, if my ebay bill is $13.05, I subtract $8.67 from $13.05 getting $4.38 and I'll send maybe $6.50 or so. Then again, I keep track of the overage so I know how much extra there is.
When my ebay bill is due, I make a payment to AMEX from my ING account and pay ebay. I would rather pay ebay with Amex rather than PayPal because this way I get Skymiles.
I know it's not a lot, but it's the first to go!
Since I did my budget and realized that my monthly bills come to more than I make, I figured that it is going to take me longer to get out of debt and I really wanted to pay off this bill this week. So I paid the bill from my ING account which when I transfer money to it to cover my ebay fees, I send a litte bit more each time, therefore I had enough.
I don't know if I've mentioned this before, but this is what I do to keep from scrambling for money when my ebay invoice is due. I look at my current ebay bill before transferring money from my PayPal account to my ING account and if my bill is $8.67, I send over maybe $12.00 or so. I keep track of the overage and each month I'm able to save a bit of extra money.
The next time I go to send money to my ING account, if my ebay bill is $13.05, I subtract $8.67 from $13.05 getting $4.38 and I'll send maybe $6.50 or so. Then again, I keep track of the overage so I know how much extra there is.
When my ebay bill is due, I make a payment to AMEX from my ING account and pay ebay. I would rather pay ebay with Amex rather than PayPal because this way I get Skymiles.
Tuesday, February 3, 2009
Credit Report
Yesterday I got a copy of my credit report from Experian. There was a mistake on it that stated I have a Capital One card still open. Well, actually I have two open, but used to have five!
What happened was, over a year ago I received a letter that they would combine two of my accounts and give me a low rate until the combined total was paid off. When I took advantage of the offer, they combined four of the accounts (instead of just two) and one was left untouched. Therefore, I now have two Capital One accounts active.
Back to the report. It shows that I have three active Capital One cards and I had to figure out which one was in question since the report does not show the whole account number. That's when I called Capital One.
I got a very nice lady on the phone and she helped me out by looking at my accounts. On their records, I have two active and three closed which she couldn't understand either. She set something up to send me a letter stating that the account is closed and afterwards asked me if I wanted her to submit a request to Experian for me! I took her up on that offer.
She told me it would take 60-90 days for my credit report to be updated so I'll have to check back on that.
Another thing on my report states as follows: Paid, was a collection account, insurance claim or government claim or was terminated for default.
Does anyone know what this means??? It was a $248 Vet bill that I let go to collections (yeah, I know, STUPID!!) and I eventually paid it off in full.
Other than that, the rest looked good and a lot of bad stuff has FINALLY been cleared from my report!! My score from Experian is 634 which is down from 656 in August 2007, but up from the 500s in previous years. I'm sure this collections thing on my report is holding me back from having a better score, as well as being maxed out on my cards.
I'm working on it!
What happened was, over a year ago I received a letter that they would combine two of my accounts and give me a low rate until the combined total was paid off. When I took advantage of the offer, they combined four of the accounts (instead of just two) and one was left untouched. Therefore, I now have two Capital One accounts active.
Back to the report. It shows that I have three active Capital One cards and I had to figure out which one was in question since the report does not show the whole account number. That's when I called Capital One.
I got a very nice lady on the phone and she helped me out by looking at my accounts. On their records, I have two active and three closed which she couldn't understand either. She set something up to send me a letter stating that the account is closed and afterwards asked me if I wanted her to submit a request to Experian for me! I took her up on that offer.
She told me it would take 60-90 days for my credit report to be updated so I'll have to check back on that.
Another thing on my report states as follows: Paid, was a collection account, insurance claim or government claim or was terminated for default.
Does anyone know what this means??? It was a $248 Vet bill that I let go to collections (yeah, I know, STUPID!!) and I eventually paid it off in full.
Other than that, the rest looked good and a lot of bad stuff has FINALLY been cleared from my report!! My score from Experian is 634 which is down from 656 in August 2007, but up from the 500s in previous years. I'm sure this collections thing on my report is holding me back from having a better score, as well as being maxed out on my cards.
I'm working on it!
Rebates? How...
Is it bad to buy stuff that I send in for rebates to get the item(s) free? It's not like I'm spending the money and never get it back, it just takes 4-6 weeks to happen.
So, I just need to figure out how to keep track of this stuff...do I use Post-Its, make an Excel spreadsheet, post it on this blog? All three? I just don't know.
I guess I'll post it here, and make some sort of a note to myself, probably Excel. This way when the rebate check arrives, I know which card and how much to pay back.
So, I just need to figure out how to keep track of this stuff...do I use Post-Its, make an Excel spreadsheet, post it on this blog? All three? I just don't know.
I guess I'll post it here, and make some sort of a note to myself, probably Excel. This way when the rebate check arrives, I know which card and how much to pay back.
Monday, February 2, 2009
February Budget
$275 Rent (March - It's due on the 1st)
$180 Car (March - It's due on the 4th)
$83.67 Car Insurance
$250 Dentist
$43.62 Power (lights)
$38 Gas (heat)
$30 Internet
$116.43 Cell
$150 Groceries •••I've used $115.52 so far •••
$30 Savings
$4.99 Web host
$15 Furniture Store
$28 WF
$20 Capital One 1
$32 Capital One 2 •••I paid $35.00•••
$40 / $20 Personal Loan (Am only paying half)
$28.00 Gym
$250 Amex (minimum) I am only paying $100 to cover interest
$10 Car Oil (may not have enough $)
$15 Contacts/eyes (may not have enough $)
$1,639.71 Total I would like to pay
$ 3.00 Extra paid to Capital One
$ 1122.23 Paid
$517.48 Left to pay this month
Here's an eyeopener for me!! I didn't realize my monthly budget was so high! I don't make enough at my day job to cover this considering I only bring in about $1200 per month! The rest comes from sidework that I do (selling stuff online, and other little things).
I guess I don't have to put money aside for oil and contacts and I could also spend less on food. I'll see how this month goes.
Regarding my dental bill. The good thing is that I only owe February and March to the dentist and I'm done paying him! I've also been considering selling my car, but that may be several months away if I decide to.
I think I'll plan to cross these off as I pay them for the month. With my last check from January I paid my part of the Power bill and Capital One 2, also part of Amex.
$180 Car (March - It's due on the 4th)
$150 Groceries •••I've used $115.52 so far •••
$28.00 Gym
$1,639.71 Total I would like to pay
$ 3.00 Extra paid to Capital One
$ 1122.23 Paid
$517.48 Left to pay this month
Here's an eyeopener for me!! I didn't realize my monthly budget was so high! I don't make enough at my day job to cover this considering I only bring in about $1200 per month! The rest comes from sidework that I do (selling stuff online, and other little things).
I guess I don't have to put money aside for oil and contacts and I could also spend less on food. I'll see how this month goes.
Regarding my dental bill. The good thing is that I only owe February and March to the dentist and I'm done paying him! I've also been considering selling my car, but that may be several months away if I decide to.
I think I'll plan to cross these off as I pay them for the month. With my last check from January I paid my part of the Power bill and Capital One 2, also part of Amex.
Sunday, February 1, 2009
Fun day of shopping
I went to the store yesterday and bought a few things. I can't find my receipt right now so I'll have to come back and post.
My friend and I also made a trip to Costco and all I bought there was EV Olive Oil for $13.38. My BF will give me half ($6.69) of this since we both use it. The question is when will I get it back! Off to the pile of receipts he owes me for.
After Costco, we went to Bed Bath and Beyond because after buying herself a down pillow at Costco, she needed a pillow protector. While there I picked up the rubber pastry brush I need. I was hesitant to pay the $6.99 that it was marked plus tax, but when I took it to the cash register, it was only $3.xx! Sweet!! At another store I found a spatula that only cost me $2.50 plus tax. The one I've been using needs to go.
Yes, I also went shopping for ebay stuff today, BUT I only spent about $16 so that's good, considering I usually spend at least $100 at a time!
When all our shopping was done we went for coffee. It didn't cost me anything since I had a gift card from my birthday and I just put it on that.
Oh, I almost forgot, we also went to the office supply store since I had a gift card there too. The gift card was expiring yesterday so I wanted to use it. I bought some ink cartridges (that I plan to return), but what I really want is a chair, mine pops and just plain sucks. I'll watch for sales and use another gift card and coupon I have to get a new one. Hopefully this works out. The chair I'm using has been around for about 9 years and cost me $10 after rebate...it's leather too!
Since it's February 1st, I'll come on later and post my budget for this month.
My friend and I also made a trip to Costco and all I bought there was EV Olive Oil for $13.38. My BF will give me half ($6.69) of this since we both use it. The question is when will I get it back! Off to the pile of receipts he owes me for.
After Costco, we went to Bed Bath and Beyond because after buying herself a down pillow at Costco, she needed a pillow protector. While there I picked up the rubber pastry brush I need. I was hesitant to pay the $6.99 that it was marked plus tax, but when I took it to the cash register, it was only $3.xx! Sweet!! At another store I found a spatula that only cost me $2.50 plus tax. The one I've been using needs to go.
Yes, I also went shopping for ebay stuff today, BUT I only spent about $16 so that's good, considering I usually spend at least $100 at a time!
When all our shopping was done we went for coffee. It didn't cost me anything since I had a gift card from my birthday and I just put it on that.
Oh, I almost forgot, we also went to the office supply store since I had a gift card there too. The gift card was expiring yesterday so I wanted to use it. I bought some ink cartridges (that I plan to return), but what I really want is a chair, mine pops and just plain sucks. I'll watch for sales and use another gift card and coupon I have to get a new one. Hopefully this works out. The chair I'm using has been around for about 9 years and cost me $10 after rebate...it's leather too!
Since it's February 1st, I'll come on later and post my budget for this month.
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