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September Expenses

August 7th, 2006 at 06:59 am

My upcoming expenses for September ...

Tithe 65.00
Rent 196.50
Tobacco & filters 20.00
Jason - 20.00
Etc. 25.00
Cable 10.00
Phone 65.00
Compassion Int. 32.00
Debt Reduction 25.00
Blogathon 20.00
Laundry 10.00


Cat food [dry]
toilet paper
Art print

Million Minutes Tracker

August 2nd, 2006 at 09:32 pm

Yesterday I started to track my volunteer minutes and am gonna try to get up to one million of them. Smile

I'll keep track of them on this post 'cuz that way it'll be easier for me to track them.

I consider volunteer time as any time spent in doing something for others.

This includes working on crafts to give others [which I do alot of] and also visiting others [older people, etc.]

8/1 - 200 minutes
8/2 - 130 minutes
8/3 - 194 minutes

Debt reduction, uhmm, well ...

August 2nd, 2006 at 09:16 pm

I had taken $25.00 out of my check this month to go towards debt reduction.

I'm still waiting to hear from Blair so I can start paying on that bill.

Money was still in my checking account and today I couldn't take seeing all of those hurting people in Lebanon anymore who've had to flee there homes, etc.,

so I donated the $25.00 to Samaritan's Purse in order to help those people who, especially right now - have far less than I do.

That is not to say that I don't believe that Israel has a right to defend herself, because I believe that they do [this is my own opinion here],

but that really is neither here nor there,

those people who've been driven from their homes and cities need help now and if I could even help a little with the 25 dollars, then I am glad that I did.

For anyone else, if you'd like to donate to this cause,

you can go to

Text is http://www.samaritanspurse.org and Link is

Maybe by next month, Blair will have contacted me and I can get on track with paying my debts down some. Smile

August no-spend days

August 1st, 2006 at 05:51 pm

I hope I remember to keep this up and edit this entry on a daily basis.

I want to keep track of my no-spend days for the month of August.

8/1 - No spend day! Smile
8/2 - No spend day
8/3 - No spend day
8/4 - No spend day
8/5 - No spend day
8/6 - Spend day Frown
8/7 - Spend day

Coupons Needed

August 1st, 2006 at 05:48 pm

Coupons Needed

$1.00 Morningstar [any product]

Borden cheese [must be good on fat free cheese]

$1.00 Dawn Direct Foam [need longer dated ones than 8/31]

$2.00 Nice & Easy Hair Color [need longer dated than 8/31]

Will add to my list as I think of more. Smile

A few hints & tips

July 31st, 2006 at 10:52 pm

I'm sure that you all probably already know [and do] this but a few of the things I learned over the past week or so are:

Dilute your liquid laundry soap [it works just as well if you do especially if your clothes aren't really dirty such as mine.]

What I mean by really dirty is that I don't have grease stains and no kids so don't have all the dirt and things on my clothes that young children do when they go out 'n play.

Another thing I found is that when I diluted my Dawn Direct Foam dishwashing liquid - it worked just as well and had just as much suds as before.

Also, instead of paying for the Fabreeze type of fabric freshner, I now will just use fabric softner and save $.

I thought I'd write these out in case someone can use the tips and also, so I can put them in my "Articles, Hints & Tips" category and go back 'n read them again later.

There are times I get lazy or forget and to go back and re-read could be valueable sometime down the road. Smile

$190.30 to savings accounts!

July 31st, 2006 at 09:43 pm

Wow - what an incredible rush!

I paid my bills or atleast the ones I could so far and have saved the money out for those I still have to pay yet.

And - when all was said and done, I was able to deposit a total of $190.30 in my savings accounts tonight for August. Smile

Since I only get money once a month, I put all my savings in the 1st day of the month instead of weekly like many do.

I have 2 accounts for savings - one is a checking with no debit card and no checks to it.

In that account I deposited $30.28 tonight.

In my other account, I was able to deposit $160.02.

Drum roll please .....

Combining the two accounts, in savings I now have $475.39!!

I am absolutely amazed that I was able to do this and I attribute this success to savingadvice.

It is so motivational that it really helped me to get a good start and also, to stay on track.

Thank you ... thank you ... thank you!! Smile

A big savings for me over time

July 31st, 2006 at 06:12 pm

I have major sinus problems and each month for I don't know how long, have had to buy a box of sinus pills to last me the month.

This week I did some searching to see if I could find a home remedy of sorts that would do as good so I wouldn't have to buy the pills any longer.

What I come up with is that peppermint tea is supposed to work for this.

Today while at Walmart, I bought a box of peppermint tea [just to see if it woud work or not] and had to try it tonight and yes - it did seem to work!!

So, the next time instead of buying the expensive tea bags, what I may do is to buy some generic tea bags and a bag of sugar-free peppermint hard candies [which would dissolve in hot water] and voila! I should have peppermint tea for cheaper. Smile

According to my figuring - at $3.24 a box per month for 12 months, it comes to $38.88 [plus tax, or at least I think they charge tax on that here in PA.]

And, over a 5 year period of time - I'd be saving $194.40. Close to $200.00!!

I really hope this will work [I'm going to try it till this box of tea is gone to make sure that it'll consistently work before I spend money for tea and peppermint candy that I wouldn't otherwise use for anything.]

Wish me luck! Smile

A few cents here, a few cents there

July 31st, 2006 at 06:04 pm

Okay now, first of all - I'm a smoker and I know that I should quit and ... how much money it would save [so please, no lectures about my quitting please. *Smile*]

Having said that - I've come up with something that I'm gonna try and see how much I can save.

Since I roll my own cigarettes, I figured the cost out to be 4 cents each.

This is much cheaper than buying them by the pack; however still - I know it adds up.

What I am going to do is to keep a chart on how many I don't smoke and then add them up at 4 cents each.

That money will go strictly towards furniture for my balcony [for when I get my balcony apartment.]

I figured it out and if I were to not smoke 10 cigarettes a day - that would really add up over time.

That'd be 40 cents a day and would come out to $12.00 a month or $144.00 a year.

And since it'll be probably 4-5 years before I get my balcony apartment, not smoking 10 cigarettes a day would add up to $576.00 in 4 years time!

Yes, I know if I were to quit altogether it would save more and maybe I'll try working on that another time.

Still - for now, each time I want a cigarette and put off smoking it for 1/2 hour, I'm giving myself 4 cents to go into my savings for my balcony furniture. Smile

And again - it goes to show that over time, little things do add up!

I'm so weak :-(

July 31st, 2006 at 05:34 pm

I went to Walmart today because I "had" to pick up a few things.

My Morningstar coupons were to expire today and I had 10 of them - didn't want to lose those savings for sure.

I made a list ... one that I had "every" intention of sticking to.

But - did I? Uhmmm, well ... I'm embarrased to say, no I didn't. :-(

I did get my veggie hot dogs and also was able to use 2 more $1.00 coupons on things, plus saved $2.00 with a coupon on hair dye [needed to wash that grey right outta my hair. *Giggle*]

Other than that though, I bought a lamp for my livingroom [I "think" it was $14.99 but not exactly sure till I look at the receipt.]

I had planned on getting one because I - well, I was going to say needed it but guess it really was more of a want than a need.

There was an empty space on the end table by my couch and I really wanted something to fill that space in.

My original intentions were to go to the local charities place where you can get stuff for free [things people donate, etc.]

I have given them much over the years so at times I get stuff there too.

Well - no need to go there for a lamp now 'cuz I am weak.

Also I bought a new journal for almost $6.00.

Did I "really" need it? Again, no I didn't 'cuz I had 2 here already that I could have used. *Sigh*

I decided to save those for later for regular journaling [the one today was for my weight loss journal I'm starting tomorrow.]

Other than those slips I didn't do too bad, pretty much everything else I can think of now were things that I needed to get.

When will I ever learn to go into that store and buy just what is on my list?

I know that it can be done!

Every little bit

July 28th, 2006 at 07:14 pm

Just cashed out at Quickrewards for $1.57.

I know it may not seem like much but as we all know ...

every little bit adds up! Smile

Money spent to save $

July 26th, 2006 at 07:16 pm

I like the frozen citrus bars they have in the stores but they're usually over $3.00 a box and I hate paying that much.

The other night I got to thinking - why couldn't I buy those popsicle mold things they have and put some of my Crystal Light in them 'n freeze them.

I'd have basically the same thing for a fraction of the cost [plus the added bonus of very few calories!]

So, I just did a "buy it now" on Ebay and total with shipping it come to $10.00 and I know that in the end, I'll save many times over the $10.00 that I spent on them. Smile

I used $10.00 of my Paypal money to buy this.

No more canned cat food!

July 26th, 2006 at 02:36 pm

I love my cats, they're my babies but they are far too finicky for their own good [and mine either!]

They always get their dry cat food every day and it's always available to them;

and then usually twice a day, I give them some canned food too.

However, for as long as I can remember - especially Lexi [my 4 1/2 year old manx] will go out in the kitchen and will give me "that look",

I know what she wants ... some canned food.

So, being unable to resist her darling little self, I give in and give it to her;

most of that a good part of the time, I end up throwing half if not all of it away.

A few weeks ago, I got fed up because both Lexi and Athena were doing this on a regular basis.

I didn't give them any canned food for over a week and ... they survived and after a short while, didn't even bug me for it.

To make a long story a little shorter, I went back to giving it to them and ...

the same thing happened again.

Today I've decided that they are not getting any more canned food ... I'm not even going to buy it anymore.

They are very healthy and don't need the stuff they waste anyways and it'll save me approximately $7.20 a month [which is $86.40 a year!]

I would cut down on what I'm giving them but I know me and I always go back to giving them more so it's best just to stop altogether.

They get more than enough to eat with their dry food and it's nutritous, etc. for them - probably far more than the canned stuff is anyways. Smile

MyPoints - $10.00 Walmart card!

July 25th, 2006 at 08:52 pm

Whew - finally!

It took quite awhile for me to earn enough points through MyPoints for my $10.00 Walmart card, but I did it! Smile

I just now got to 1,500 points and was able to order my $10.00 Walmart gift card. Yippeeeee!!

I also have a $10.00 one on the way from Freeride as well so that's $20.00 worth.

Not sure how I'm going to spend them but you can be sure that I am definitely going to spend them carefully this time.

Before I started saving or being careful, I would have taken those out to Walmart and probably would have blown them on just "stuff."

But - I'm in a total different frame of mind anymore and it's one that says "Save, save ... save!" Smile

Note to myself: It said that the gift card will take between 2 and 6 weeks to get to me.