Monday, June 4, 2018

Monday, A first and Money Saving Madness.

     For the first time in my life I sat down on the 1st of the month and paid all my bills.  I will incur no late fees, everything else will come out of the checking automatically.  I mean the house payment and all the other bills, power,phone,medical,paper,Internet, misc, and everything. In a few months I will set up auto pays for many of the smaller bills.  It is the most wonderful feeling to not have to worry and fret and remember.  I have been getting closer to this goal all year but never could fully in good conscious do the house payment.  I always had to wait for more money to come in.  Well that does not have to happen any more.  I can now devote other income and checks to my debt.

     I was also able to pay off the overdraft protection so that goal is out of the way.  I will work on the other debt for the rest of the month.  This will free up another $135.00 to put toward the last of the debts.  I am so excited to get to the next debt, then we are down to 2 and then it will be one and then the house.  I know this is counting chickens, but I have to dream as it keeps me motivated.

     My sister's oldest daughter is visiting with her daughter.  Lil sis is so excited.  They went on a jet boat trip down the canyon today.  D#3 is here with mom and that is so nice.  She can entertain her and take her places and I am free to do what I need to do.She is spending the night with her cousin so I will have help tomorrow.  Yippee!

     Money Saving Madness May 27-June 3

1. Ate all meals but one at home (mom paid for lunch out)
2. Most food came from storage or freezers.
3. Purchased marked down bananas for bread
4. Picked herbs and dried them
5. picked lettuce from garden
6. purchased marked down plants for holes in yard.
7. Did a grocery stock up on loss leaders at Albertson's, only items purchased were on the lowest price for the season.
8. worked on projects with recycled materials.
9. Went to Penneys with mom and found a few Christmas presents used 2 $10.00 coupons so total for gifts $15.47.  2 nice scarves, three pairs of nice pj pants for son in laws, a couple of things for grandsons.
10.  Rite aid, used $10.00 in plenti points to purchase razors and earned more points so FREE.  Thanks Sluggy!
11. Made a skirt for Lil sis for her upcoming trip. The fabric was $2.50 as a remnant, I added the ribbon waistband which was off a customers garment and
she didn't want it.  The lining was from leftover project and even the elastic was given to me.
This is boxy but can be worn with a belt, but I like the loose look
12.Here are a couple more projects.  $1.00 dress from Wal-mart with lace added.  Also new dansko sandals from posh mark $40.00


13.Here is a dress that I let down the hem and added $2.00 of lace. It was just too short for church, but this saved it!
14. Switched all winter and summer clothes and got rid of a huge bag of things I no longer use.
15. Used my indoor clothesline and out door fence to dry many items.
16.reused containers and wax wraps.
17. Purchased several pounds of meat at 50% off to stock freezer.
18.  Picked up water crackers at Winco on a close out for .25 a box.  Bought all of them.

Have a great and productive day staying positive while you are in the negative.

Kim

29 comments:

  1. Congratulations--doesn't it feel good when you can pay everything with ease? We are celebrating at our house right now--the Redneck got a notice saying that he has paid off ALL his student loans!

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    1. woo hoo! that is great news Evelyn

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    2. That is so wonderful. School loans are the pits.

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  2. I am so happy for you. When I started reading your blog, seems you had a lot of debt and didn't quite yet have a handle on it. But you found your groove and you've worked hard and paid off things amazingly fast.
    way to go!

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    1. When I had a kid in college it was just hard. It seemed like money just flew out the window. I have made many changes but getting the kids all out of the nest and on their own has made all the differece.

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    2. So sorry about the never ending burden I represent.

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  3. Congratulations! I love the black and white skirt. Soon you will be debt-free or so close life won't be so frenetic.

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    1. Actually it is navy and white, I just love navy anything.

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  4. Congratulations to you! You should be very, very proud of your accomplishment.
    It's all upwards now!

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    1. Thanks and I hope so, I am working so hard and when I see progress it is so wonderful.

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  5. I've been following you for a while and I am amazed at how hard you have worked to get where you are. Congratulations - oh and that skirt is beautiful by the way. Anna

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    1. It is so totally worth the effort. My eldest daughter called me the other night and almost whispered, "Mom just how much debt do you have?" The kids had no idea. I think it shocks her.

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  6. congratulations !- its such a good feeling when you reach the point of knowing you've paid all the bills, well done!

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    1. It is a very nice feeling, I keep pinching myself to see if it is real.

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  7. You are doing great on getting your debt paid off! Congrats to you! Great job on those dresses and the skirt for your sister. :)

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  8. THAT is something to celebrate! Way to go!!!

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  9. GREAT job - you are really rocking this!!!

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  10. Well done M'Lady! Nothing feels better than getting a load off your shoulders, and now you can start feeling the cumulative results as the others dwindle to nothing. You should be very proud of yourself!

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    1. I am, but then I look at what is left and I am overwhelmed again. One day at a time.

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  11. Congrats!!! I love that you repurposed and made the pretty skirt for your sister! And the way you made the dresses work for you. I'm inspired!

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    1. Well this is my year to not buy clothing. So far I have been really good and fixing what I have.

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  12. Wow, your list of debts is incredibly short! I remember when it wasn't....so you must be thrilled!

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    1. I am but why does it feel like I will never get out?

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  13. What a HUGE madness list! You did awesome! I love the skirt you made for your sister - gorgeous material1 And kudos for being able to take care of everything the first of the month....I hope to one day be able to do the same. =)

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    1. It has taken years. Just little things that changed bit by bit.

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  14. That's TREMENDOUS. I'm so glad for you, Kim. You've worked so hard to get here.

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