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Took the plunge...

January 26th, 2008 at 11:27 am

Ok, now I have been paying attention and know that the stock market has been falling lately. However, I decided to take the plunge anyway and max out our 2008 Roth IRAs today (well, technically Monday). I'm sort of figuring that sometime in the next 40 years before we retire the stock market will rise. Smile If it doesn't, I think we'll ALL be in a world of hurt.

Now, if you notice on my side bar, as of December I only had about $2,400 saved, so how did I end up with the 10K needed to max it out? Well my in-laws graciously agreed to cover tuition for this term. Independently DH and I decided that we would take the subsidized loans out and pay for the rest of tuition OOP. So I decided to stash that "extra" money in our Roth, knowing that if things went terribly wrong, we could take it out (I don't anticipate this at all).

Also DH and I went grocery shopping last night and saved 13.34 which I will be adding to my challenge.

New addition: $13.34
Previous total: $418.92
Total: $432.26

challenge addition

January 24th, 2008 at 11:38 am

Recieved $47 from Survey Spot and $40 for tutoring last month which will be added to the challenge.

And in other news the simulators up in Maine are closed so DH is coming to Florida to work...and see me!! He has to work part of Friday and most of the day Saturday, but we have tonight and Sunday to play. Also, since he isn't at home he'll get paid per diem, so we'll also get about $200 for the weekend. Wink

New addition: $87.00
Previous total: $331.92
Total: $418.92

grocery savings

January 14th, 2008 at 05:38 pm

Went grocery shopping today and the store was having some good buy 1 get 1 free sales on some of the items I wanted. I ended up saving $12.41 with my store card, which I'll add to the challenge.

New addition: $12.41
Previous total: $319.51
Total: $331.92

shopping spree=savings spree?

January 12th, 2008 at 12:10 pm

I got some clothes for Christmas that didn't fit so I needed to return them. I went to return them and found that the mall was having some really great sales! I have been needing some nicer clothes, particularly collared shirts. Well JCPenney was having a 40% off the clearance price sale. I went a little crazy and bought 11 shirts for $120 dollars. However, I saved $244.51 since all but one of the shirts were on clearance...and that shirt was on sale.

Then I went to Old Navy they were also having a good clearance sale with half off. Since I had about $20 in store credit after the return I scoured the clearance racks, but didn't find anything I really liked. So I bought a pair of shorts that ended up costing me only $1.25 oop.

So I'm going to add that $244.51 to the savings part of the my challenge. Oh, and I got a check from pinecone, so I'll add that too.

New addition: $249.51
Previous total: $70
Total: $319.51

kick off to $20 challenge

January 8th, 2008 at 07:35 am

Well today I finally got mail from when I was gone visiting DH. I am completely floored with how generous my grandparents were this holiday season! I am so thankful and it will definately be put to good use because our expenses are so much higher now.

In addition to leftover holiday wishes, I also got a check for tutoring and 2 pinecone checks. That will start my 2008 challenge off with $70.

New Additions: $70
Total: $70

grocery update

December 9th, 2007 at 02:54 pm

It's been forever since I've added anything to my $20 challenge, but since I want to get back in the habit for 2008 I figured it wouldn't hurt to start now!

Using my card at the grocery store I saved $4.12.

New additions: $4.12
Previous total: $1074.76
Total, since 4/15: $1078.88

New clothes

September 1st, 2007 at 05:45 am

Well apparently at pharmacy school we have to dress professionally. For this normally jeans and t-shirt gal that means I need some new clothes.

A little while ago I went to a thrift store and got some clothes. I wrote about it in a previous post if you are interested.

Well this Thursday JC Penny's was having a major clearance sale. I got a collared shirt (half off), a pinstriped pant (less than $9), a pair of black sandals (less than $9), a pair of black pumps (half off), and a pair of earings (25% off). On top of that I opened a Penny's credit card and got $5, 10% off, and then an additional 15% off.

The recepit says I saved $145.

Since I don't have much to add to the challenge lately I'll add it here.

New additions: $145
Previous total: $929.76
Total, since 4/15: $1074.76

Weekend savings

August 13th, 2007 at 08:19 am

Well yesterday I did my normal CVS run. I saved $38.70. I am planning on giving some of the stuff away for Christmas stocking stuffers (toothpaste) and I'm making pamper gift baskets for my two teenage girl cousins. I'm just about done purchasing for all of that, so I maybe slowing down at CVS and Walgreen's for a while which honestly makes me sad!

At Walgreen's I bought some Bic pens that were on sale for only .39 and some nail polish (for the cousins' baskets) that was .99. Saving 10.20.

Yesterday I also went to the Thrift store across the street and bought a pair of black pants and 5 tops (3 casual, 2 more dressy) for 14.61! Besides the fact that 1 or 2 of the shirts alone may have cost more than that most everything I got was on sale so I saved $10.30 off of the marked price.

Other than that DH was gone all weekend so I mostly hung out around the house. Only spent the $20 mentioned here.

New additions: $ 59.20
Previous total: $870.56
Total, since 4/15: $ 929.76

Savings update

August 9th, 2007 at 09:09 am

Since August 1st:

Savings from:
CVS: 13.50
Publix: 2.75
Base: 4.44
Publix: 15.00

Earnings from surveys: $28

New additions: $ 63.69
Previous total: $806.87
Total, since 4/15: $ 870.56

addition

August 1st, 2007 at 09:10 am

Publix: saved 9.33
CVS: saved 17.99
Food Lion: saved 7.76
Rowe's saved: 5


New additions: $ 40.08
Previous total: $766.79
Total, since 4/15: $ 806.87

Drug store runs

July 29th, 2007 at 09:02 am

Went to Walgreens and using coupons saved 10.55. At CVS I saved 18.70.

New additions: $ 29.25
Previous total: $737.54
Total, since 4/15: $ 766.79

saving addition

July 26th, 2007 at 07:37 am

Today was the last day of classes so I sold my textbook back and got $32.50 back, about half of what I spent.

Yesterday when we went grocery shopping we saved about $7 from coupons.

New additions: $ 39.50
Previous total: $698.04
Total, since 4/15: $ 737.54

Challenge update

July 24th, 2007 at 01:44 pm

I did shopping today to get all the good deals. I did pretty good today. At Publix I saved 6.38. The items I bought at CVS retailed for over $50 and I only paid 2.92...half of which was tax. Then Walgreens I saved $11.81. This is a total of $66 in savings.

I haven't been getting many surveys from pinecone lately and I'm a little concerned about that. I used to get surveys every week if not more frequently. Maybe I'll ask them about it. Another one of my survey sites seems to be doing pretty well though with about $20/month.

New additions: $ 66.00
Previous total: $632.04
Total, since 4/15: $698.04

More grocery savings

July 18th, 2007 at 01:52 pm

Went to Publix today and with some of their buy one get one free sales and $2 in coupons the receipt states I spent $21 and saved $22! Not too shabby. Now, I probably wouldn't have spent $43 on all that stuff, but someone would have! That savings will be added to my challenge

New additions: $ 22.00
Previous total: $610.04
Total, since 4/15: $632.04

Grocery Shopping

July 17th, 2007 at 02:14 pm

Went grocery shopping today and saved 8.44 with coupons. Several of the things I bought were on sale so I really saved even more than that, but I don't have a record of how much. This trip shopping was supposed to be a stock up trip, but I once I was there I realized that we didn't need a whole lot. So that helped with the spending.

New additions: $ 8.44
Previous total: $601.60
Total, since 4/15: $610.04

CVS/ WAG runs today

July 15th, 2007 at 10:58 am

I went to CVS and they are having Loreal Vive shampoo and conditioner buy one get one free. I also had two coupons for buy one get one free. I went there today and got four bottles and only had to pay tax! I also did another one of their deals and got $15 ECB which can be used in future weeks. Between the coupons and sales I saved 31.96!

Next I went to Walgreen's and stocked up on some pens and 3x5 index cards. I saved a total $9.17 and even though I spent $3.61 I didn't pay anything out of pocket since I have a gift card from them.

I'm adding the savings from both of these to the challenge.

New additions: $ 41.13
Previous total: $560.47
Total, since 4/15: $601.60

coupons and surveys

July 3rd, 2007 at 07:29 pm

Went grocery shopping tonight. We were in desperate need of food since we had pretty much been out of town for a week and a half and since we are having people over tomorrow for dinner we had to pick up some extra stuff. Using coupons I saved 9.25 so that will go to the challenge.

I also got a check in the mail for $24 from doing surveys. I love getting those checks!


New additions: $ 33.25
Previous total: $527.22
Total, since 4/15: $560.47

Challenge Addition

July 2nd, 2007 at 10:15 am

Gosh I've been really bad about updating and tracking my challenge money. Over the past few weeks I've gotten $29 for surveys and a $10 rebate. I also got my first rebate back from Walgreen's, but since that is in the form of a gift card I'm not going to count it for the challenge. Hopefully I'll get better about doing and tracking challenge again!

New additions: $ 39
Previous total: $488.22
Total, since 4/15: $527.22