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Archive for March, 2013

Mortgage PMI

March 21st, 2013 at 08:33 am

I am on a roll today!

I both emailed and mailed a letter to my mortgage company asking what the minimum balance on my mortgage should be for PMI to be removed. I also asked them what the procedure is to cancel it.

Last year when I was trying to do a refi (that I bailed on) I paid for an appraisal that is still good thru 7/2013. It may now come in handy!

I believe I am eligible to cancel the PMI.

Roth IRA Fully Funded - 2013

March 21st, 2013 at 06:55 am

Tomorrow I will be sending a check to fully fund my Roth IRA for the year! I am excited! I've already emailed my financial planner this morning to get the exact pay off amount and the link/log in/pw to view online.

The payoff should be a tad bit over $3100 since I have a $200/mth bank draft to the account.

Checking In

March 18th, 2013 at 12:18 pm

It's been awhile since I've posted. I was off for Spring Break and I had a great time with my daughters. I am a little scared to admit but I completely went off the deep end. I knew that I had my work bonus $1713 and child support come in $2K for Feb and $2K for March. I spent money. All conscious decisions and I was paying attention to the amount. I just spent more than I normally would have. Frankly, I don't even know how much I have in my checking account with things still pending. It's so not like me. I just disconnected from keeping track and budgeting things out. Now I have the joy of going through my receipts and seeing what has hit and what hasn't. I normally use an envelope system and get cash every payday to fill my envelopes and I did not do that. I've been using the debit card.

I bought horse riding lessons for both girls at $40/each for 2 one hour classes on LivingSocial. I thought that they'd get on a horse and be led around in a circle a few times and that would be it. Boy was I wrong! The girls had to brush the horses, saddle them (with help)and they were on the horse riding for 1.5hrs! It was such a joy to watch them. No helmets and no one next to them. They were in a pin with others riding. By the end of the day they were trotting on the horse. DD1 absolutely loved it. There were girls there her age that were working and just giving out pointers and she felt comfortable. That evening she was hurting. The inside of her thighs and her rib cage hurt. She told me that it was hard pulling herself up on the horse with no help. DD2 got scared when they wanted her to trot wit her horse. She thought she'd fall off. The place they went to is a working farm and I could really see that everyone there was to do thier own work. When DD2 got off her horse she walked over to me and then she got called back to unstrap the saddle for her horse and help carry the blanket and put it up.

I also bought one month of gymnastics lessons for DD2 on Groupon for $34.00 she starts this week. After this weekend I'm going to give some thought about keeping DD1 in horseback riding lessons and DD2 in gymnastics since I am now receiving child support.

We went to eat at a few restaurants and went to the movies. I took DD1 to Cirque du Soleil just a date with the two of us. We had such a nice time. I bought those tickets on LivingSocial too. You can score great deals!

We cleaned the house, took things to the Goodwill, brought in a side table and chair (from the garage) for DD2 to put her in her room and make a little desk area.

Yesterday while in my mothers neighborhood we walked and picked up free newspapers that get delivered (low income area). She helped me clip coupons. She was really showing an interest after watching Extreme Couponers. I was glad to have her help.

Kohl's is clearancing out their furniture and I've been keeping and eye on a couch and table. I bought them! The couch was normally $799 and the sale price was $179.99. The table was normally $369.99 and the sale price was $83.24. I had a $10 coupon and a 20% coupon that I used. I also bought 3 pr of work pants. Total was $293.75 and I got back $10 Kohls cash. Saved $1024! DD1 and I carried the couch upstairs (its in a box). We have alot of Girl Power going on at my house! Last night I assembled the dining table while watching The Bible on the History Channel. I wish the chairs to the table weren't sold out I would have snagged those.

Lastly, everyone got some new spring clothes!

Menu 3/18-3/24

March 17th, 2013 at 11:18 am

I've got 7 packets of smoothies from Weight Watchers that I need to use up so everyday of the week for breakfast I will have a smoothie. I tried to add some variety.

Mon-Banana Blueberry Smoothie
Tues-Mint Cookies and Cream Smoothie
Wed-Cappucino Frappe
Thurs-Mint Cookies and Cream Smoothie
Fri-Banana Vanilla Smoothie
Sat-Mint Cookies and Cream Smoothie
Sun-Mint Cookies and Cream Smoothie

For lunch I'll have a sandwich and cup of soup everyday with a piece of fruit.

Morning and afternoon snacks will be a cheesestick, jello, apple, orange or yogurt.

Mon-Blackeyed Peas and beets
Tues-Spaghetti and greenbeans
Thurs-Baked potatos
Fri-Beans and rice
Sat-Pot Roast with onions, carrots and potatos

I like havin a plan!

CVS/Walgreens/Kroger Shoppig Trip

March 15th, 2013 at 05:35 pm

I did two transactions to minimize my out of pocket.
Paid $7.10 and got back $2.99 ECB's
Here's the breakdown..

Transaction 1
2 Almay Shadows @7.79/ea
-$5/2 mf
-$3 CVS coupon
-$2 CVS coupon
=$6.04 got back $4 ECB's

Transaction 2
2 Sparkle papertowels 2/$10
1 Jellybeans .99
1 Poise 4.99
-$3 CVS poise coupon
-$3 Poise coupon
-$1 Sparkle coupon
-$1 Sparkle coupon
-$4 ECB's from transaction 1
-$3 off of $15 CVS coupon
=$1.06 got back $2.99 ECB's for next time!

3 Chips - Free Samples
Cheese marked down $1.49
Grapes $1.71
Total $3.20

$7.88 for 24 bars
These were ringing up $.99/ea with B1G1 and printing
$2 RR and I was able to pay for 2 transactions with my RR. I did 4 transactions of 6 bars. These are great to keep in the car for when the girls start hollaring they are hungry.

In all I spent $18.18 and saved $52.32.

Profit Sharing / Roth IRA / 401K

March 11th, 2013 at 11:18 am

It's Spring Break and I'm doing a little spring cleaning. Today, I went through some papers that needed to be filed and came across the following:

Profit sharing is based on 1% of my base annual earnings.

I just started my Roth IRA in 2012.
Roth IRA as of 1/31/2013

I just started my 401K in 2012.
401K as of 12/31/2012