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Archive for June, 2009

Capital One Card Update!

June 26th, 2009 at 05:09 pm

Great news on the debt reduction!

May’s numbers:
Balance to start $3,162.12
Interest $14.77
Less payment of $300.00
Less lunch savings $121.00
*May Balance $2,757.89*

June’s numbers:
Balance to start $2,757.89
Interest $12.35
Less payments of $800.00
Less Kijiji income $40.00
Less gardening income $105.00
*New Balance $1,825.24* (AMAZING!)

Now that’s sweet! By doing this blog I can see that the lunches I made have not been transfer to this account so I’ll have to remind DH that he needs contribute 5 x $11 per lunch to the balance for June. If we really push we can have this Cap one card paid off in two months. It’s worth a try.

What is fascinating to me is that in the process of paying down this debt it has opened up the lines of communication on our purchases. As well, the kids have been asking good questions and so they too are being educated. I really feel that this has been a team effort and it has really opened our eyes. Can’t wait to see what we can accomplish in July!

BTW, thank you all for your onging support and input. I appreciate the time you took to respond with your great ideas and motivation.

An abundant day!

June 24th, 2009 at 02:41 am

Wow, what a great day! I found 31 cents, had a donation to my Cancer Society fund raiser valued at $119.00, had two people sign up for our fund raising booths, and had another $20 in perennials sold. Wow, it is truly amazing how kind people can be. I had to talk a friend out of donating something that was beyond their income. It's been a great day for both personal and fund raising income. And what's that about - who leaves money around for me to pick up?

You must read this blog - sorry, I'm a newby

June 18th, 2009 at 02:01 am

I didn't realize that blogging twice in one day would remove my first blog. But it's really important. We found a lot of money and you need to be aware of the opportunity. Please read "Creative way to find money #2". Thanks!

Does anyone else get excited about receiving bills?

June 18th, 2009 at 01:51 am

Now that we're power paying I just can't wait until the mail arrives. I always know approximately how much we've paid over the billing period but it's so exciting (and rewarding) to see how much the interest amount has decreased and how much closer we are to our goal. I like to take it "one card at a time". As well, I actually cancelled a credit card today because the interest rate was crazy. And I don't even have a job due to layoffs. But because of activity on Kijiji and other odd jobs I am able to contribute to reducing the debt. It might be pennies and dimes or a few bucks but it really adds up. Little rewards help me keep on track!

Creative Way to Find Money #2

June 18th, 2009 at 01:29 am

Did you know that there is unclaimed money in bank accounts? We strangely found more than $2,000 in an unknown account just by googling "unclaimed accounts" or "unclaimed money". We typed in my DH's name and up it popped. We applied for the funds and heard nothing for 60 days. Then I did a courtesy call to the bank and received a call 24 hours later that it was indeed intended for my husband. We have no clue where this money came from unless it was sent to the wrong bank in error. So we received the cheque and are still wondering about it. In Canada these dormant accounts are handled by the Bank of Canada. Sure, some are only for a few buck, but it's tax free and it's yours. And hey, send me 10% as a commission (just kidding!!!). Have fun and let me know if you have any success.

Creative ways for cutting costs #1

June 15th, 2009 at 03:43 pm

I'm starting a new category because I have read or discovered a few ways to save money.

Here's the first few ideas - I hope they help!

1. Forget those expensive 4 inch by 4 inch decorative tissue boxes! Buy "no name" kleenex in the 10 inch by 4 inch boxes. Open one side of the box and pull out the wad of kleenex. Bend the wad in half and put it in an empty used 4" x 4" decorator box by opening the bottom. Fold up the bottom. Pull out the first tissue and you're all set.

2. Take advantage of the new services offered by Rona and other hardware stores to return your old paint cans and batteries for free disposal. In most cases it will save a lot of gas driving to the dump for safe disposal.

3. If you are not using the Freecycle website sign up now! It's a great way to give and receive items at zero cost and keep things out of the landfill.

4. Use your library to rent DVD's. Most are free or have a nominal fee of 25 cents. And you can keep them for a week.

That's it for now. More to come.

Why would someone buy this item?

June 9th, 2009 at 10:54 pm

A few days ago I sold a broken trumpet. I know, strange, eh? I listed it on kijiji and specifically said it was for decor or for a prop. This was a no name brand trumpet that was good for nothing. But a guy came by who fixes them for an amateur concert band. He plans to fix it for some of his fellow musicians. So another $40 went onto the Capital One balance. Who'da'thunk?

Any suggestions?

June 9th, 2009 at 12:13 am

Hey there. Does anyone have any experience on Ebay? What sells? Do you try to sell lots of small things or a few big things? Any ideas and advice would be appreciated. Thanks.

$105 to Capital One card!

June 4th, 2009 at 09:25 pm

I paid another $105 to the Cap 1 card today. It's money I made doing a neighbour's planters. I sold another $10 worth of perennials as well. Will update the with the new balance when I get the next bill. I've also started a new jar that one blogger suggested and it's just for found money. I'd like to find out just how much money I do find in a month.

A successful day for generating income!

June 2nd, 2009 at 01:36 am

Today was a great day for new income. Someone bought another $20 worth of perennials. My neighbour paid me $100 for doing all of their planters (9 in total) I think I'll put the $100 against the DH Capital One card. Getting closer!!!