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Archive for December, 2012

The $100 sell off challenge for January

December 28th, 2012 at 07:54 pm

I've read a few blogs about a challenge for January. Is there someone here that will coordinate it? I'm off line for several days but would like to participate.

Found money and just thinkin'

December 27th, 2012 at 11:28 am

My total amount of found money year to date is $29.13. Definitely worth my effort. My DH thinks this sort of thing is of little value but I actually enjoy the chase!

I have a huge Amex bill due on the first of January. I love my Amex as I am not loading on new debt as it is due in full every month.

It will take me part of January to recover from this huge payment. So I'll be back to paying off my final credit card debt in three or four weeks. I am planning on paying of the balance of $8,850 this year by the end of November. So I'll be thinking on how I'll do it over the next day or two. One way will be to continue to auto debit every pay in the amount of $125. My tax return will add about $1,000 I think. Mileage and other expenses (found money, surveys, taste testing, etc.) will also be thrown at it. I will be doing the ebay challenge but I don't have much faith in ebay as most of my items are decorative and not exactly in high demand in January.

I also need to get some funds for a week or two off unpaid for medical care for my sister who is on the transplant list for yet another liver. I'll be her primary care giver when she is released from hospital. Rather than complain about it I consider myself fortunate to have a boss who understands and have the option of continued life for my sister. (Well that last statement is rather stupid!!!:-))

I'm thinkin' about how all this fits together. It's so great to have options. I can make this work. I just need a few more thoughts to solidify so I can make a firm plan.

Donations to my cause are welcome, natch. For your convenience I have paypal!

A ridiculous rant - why am I so angry?

December 20th, 2012 at 03:50 pm

I know this is ridiculous. I have a great life, somewhat balanced (doesn't look like it today:-))
For some crazy reason I am really pissed at my colleagues. I've worked like a dog this year, harder than most. Yet this year I did not get one single holiday gift. Nothing from my suppliers, my bosses, of which I have three. Nothing from the company I have been assigned to help. Nada. In the '80's we were always comped with gifts and cash. I know things have changed. But not one thing this year. And I gave out gifts and cards too. But what really makes me mad is this anger and bitterness I feel. Really? Even though I am financially secure, employed, and loved? So I'm mad at myself. I can't figure out if I expected to be thanked in the form of a gift. Is it because I feel entitled, or am I just materialistic, or what? Last year the gifts flowed. Any input would be appreciated. I'm not usually whacked out. But today I am!

End of year summary - debt payoff

December 10th, 2012 at 05:20 pm

Bahhh! My payment last Friday to my line of credit has not hit the account yet. But I'm going to post my year end results anyway because I have just made the last payment of the year.

In 2012 I paid off $8,870.00 in debt. In addition, I added $382.60 to my emergency fund. My only remaining debt is $8,850.00 on my line of credit (revised target was to get it below $9K this year). So the VISA is gone! My line of credit is down from $12,435.00 to $8,850 now sitting at 8.4%. I am using my extra funds this month that normally go to the line of credit to pay for Christmas expenses.

I can see that the line of credit will be gone in 2013. I'll have to up the payments a bit so it's done by the end of November to ensure I have more cash flow in December for the holidays.

I DID IT!!!

Gotta do the gratitude thing

December 8th, 2012 at 07:15 am

It's been a very full week or two. Much to report financially and otherwise. First, to focus on the positive:

I am very grateful to the wonderful medical team at our local hospital. My husband had ACL surgery this week and is now hobbling around nicely. We are very fortunate to have access to good (and kind) medical professionals.

I was recognized for my contributions at work this week, twice! I am thankful that this employer appreciates my work.

I am very grateful for my job in general. I have hit my financial target this year due to timely payment of my expenses yesterday. Will post my success as soon as it hits the account.

My family has received extremely bad news about three family members and their health. I have not quite digested all of it and can't even get it into words on a page. However, I am so very fortunate to have a very good, strong, supportive, and loving family and circle of friends who are supporting us.

And again, I am grateful for my savingadvice.com buddies for sharing their lessons - both good and bad.

Wow, it's a wonderful life!

Great deal, and an update on giving up the smokes!

December 5th, 2012 at 03:21 pm

Thank you all for your best wishes regarding my quest to quit smoking. Sometimes it all falls into place. Last night I was given 4 boxes of patches with nicorette gum. This means I get to try two methods without investing in something that might not work for me. Next week I have a meeting with a different agency who provide 5 weeks of patches free of charge if you plan to quit within 30 days. That would be me! What a gift! I've been using the mints I bought last week and they are fabulous. So far I've avoided 7 smokes. I wish I could say that's per day but no, 7 smokes over the last few days. Better than a kick in the head as my Mother would say.

In other news I scored on a Christmas gift today. I was looking for a duvet, and they run about $200. I found one on sale that was a very good quality marked down to $99. The plastic casing was damaged so I asked if it could be marked down further and they gave me another 10% off at the cash. And once it was scanned it was actually down to $49. With the 10% off the final tally was $43! Now that's an amazing deal.