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Archive for January, 2007

Suit Up And Head For The Exit!!

January 29th, 2007 at 10:13 pm

Suit Up And Head For The Exit!!



Among other things my folks got me a gift card to JC Penney's for Christmas. FrugalSon and I took off this afternoon and made it into the big city and hit the store. I've been reading my Missus Smarty Pants stuff...

http://missussmartypants.com/

...and trying to follow along on some of her advice. I determined before I went what I NEEDED and went and got that.

And if I think I may re-enter the corporate world anytime soon what I needed was a plain solid black blazer. As luck would have it JCP's was having a nice sale and I was able to get the suit skirt to match. Ta-Da!! Done! I only had to add a few CASH dollars to the gift card to get both pieces so I'm tickled with the purchase.

Just got off the phone with the Mother Figure to let her know what I was able to get and to thank her! YEAH MOM!!

Of course I did take a small gander at a few other trendy things but was easily able to leave them behind. In, suited up and then we hit the exit - time in store 15 minutes tops!

Up Against The Wall Redneck Mother

January 29th, 2007 at 03:27 pm

Up Against The Wall Redneck Mother


PhotoCredit: EnglessCrillSmoke

As the month of January winds down I find myself up against the wall on my unspoken goal for my $20 Challenge.

Lucky for me CashHappy is generous with his change. Yes, I am indeed a redneck mother who takes money from my children!! Big Grin

$20 CHALLENGE
$52.27 balance
+00.63 Redneck Ma donation
______
$52.90 Jan MTD

2007 Total $52.90
Cumulative Total $179.01

NO SPENDERS: Friday, Saturday and Sunday were no spend days for me!

Look At Your Payroll Stub & GET Good & MAD

January 25th, 2007 at 01:37 pm

Look At Your Payroll Stub & GET Good & MAD



Wow - don't you look HOT this morning!??!

No?

Well, just wait.

I want you to get capital M.A.D. mad this morning. That's right - P.O.d!!

I want you so mad that you're steaming!

Steaming hot that is.

I want you to go and get your payroll stub out of the filing cabinet. (You do have this stuff filed, right?? RIGHT!)



}}}}}frantic rifling of piles{{{{{{



oKAY... I heard that mad shuffling of papers!!



Go ahead. I'll wait on you.






Good, you're back!!


Now I want to tell you about a little conversation the Hubster and I had this past week when I was being headhunted for a nice little J.O.B. in the financial sector.

Afterwards Hubster was asking me how I decided to turn our finances around - the answer "Your payroll stub."

"Huh?"

"As a matter of fact it was your health insurance that did it for me."

"auhhhhuuuugguuu (quizzical Tim Taylorish grunt???????)"

"I saw that we were paying more out every pay period for health insurance than we were saving for ourselves. --Way MORE! Like 85% more and it hacked me off royal that the insurance company CEO's
were living in mighty fine houses and driving super nice cars and have maids and lawnkeepers and such and we were barely scraping by.

It was then at that very moment that I decided to get serious about our finances - I determined that we were going to put back more for retirement savings than the health insurance company was taking out.

That is what began our financial turn-around."


After thinking about it, it made me wonder if it will help any of you to GET MAD enough to want to do something for your own future??

My message, dear friends, is for you to look down at your payroll stub and if you aren't saving at least the same as, if not more than, the health insurance company is getting then I want you to ask yourself, "Why do I think more of their future than I do my own?"

Then get angry enough to do the financial footwork - Take The Actions - necessary to get your future on track!

Stepping off soapbox now!

Okay, you can go back to your paperwork filing now. You are going to file that stub back in it's slot aren't you??

BTW, did I mention how hot you look this morning??

Totally H.O.T.!!

(note: cross posted in forums)

Hair Slicum & Leather Sofn'r

January 24th, 2007 at 10:18 pm

Hair Slicum & Leather Sofn'r



Well I broke the no-spend roll I was on yesterday and bought some stuff. It was out of the Personal Care category and I went to the bank and got cash beforehand so I could limit myself at the store. I keep hearing this is a way of shopping smart but tis difficult when you don't really know the prices on 'stuff'.

Hubster was out of his beloved VO5 haircream and I needed something for this leather hide that's covering my neck and face. He goes thru one of those tubes of gunk about every three years so I had no idea of the cost and I usually just use whatever face moisturizer that my Mom passes along (she tries every new thing that comes along). But, anymore I'm getting more and more sensitive to the perfumes in that stuff.

Anyway, I guesstimated what it would cost and got myself a 10 spot out of the bank.

hair slicum $3.25
leather sofn'r 5.00
tax .74
___________________
spent $8.99

So, I'm taking the $1.01 change to the Challenge.

I don't particularly think I'll do it this way again as I feel pretty secure about my ability to hold back from just running amuck in the stores and it's too much trouble to keep track of the money to put it back into it's category.

But, whatever, now we are beau-tis-i-mous once again and Piggy is fattening nicely!!

$20 CHALLENGE
$51.26 balance
+01.01 glam leavings
______
$52.27 Jan MTD

2007 Challenge $52.27
Cumulative Total $178.38

Accounts Receivable

January 22nd, 2007 at 03:58 pm

Accounts Receivable



CashHappySon paid me back the $15.00 he owed me. Taking it to the Challenge! {that's my new favorite mantra.

$20 CHALLENGE
$36.26 balance
+15.00 pd in full
______
$51.26 Jan MTD

2007 Challenge Total $51.26
Cumulative Total $177.37

Quickies ala Broken Arrow Style

January 21st, 2007 at 06:16 pm

QUICKIES ala Broken Arrow Style



*Adding to the Challenge money from CashHappySon donation.

$20 CHALLENGE
$35.43 balance
+00.83 generous manchild
_____
$36.26 Jan MTD

2007 Challenge $36.26
Cumulative Total $162.37

*FrugalSon worked yesterday, Hubster dug out ice in driveway and CashHappySon and I went to the movies to see Night At The Museum which was pretty cute. Somewhat better than I expected. Of financial note is that our matinee movies have now gone up to $2.25 from $2.00. Have to readjust my yearly entertainment budget now from $24.00 to 27.00! OWWWWWW!! Big Grin
Not painful, but still I'd rather that they hadn't hiked it! Even a quarter makes my Frugalicious Gene (TM) pucker!!

*FrugalSon got a dime raise on his check yesterday.

*I got headhunted for a very nice job - went for the interview - turns out it would be commissioned based sales and I'm just not interested in sales. Was nice to be sought out though and the commissions would be quite substantial but still I'm just not into sales - I've done it before and it's not quite my cup of tea.

*Hubster and I went and spent about 3 and half hours picking out the doors and hardware for our interior/exterior doors and they are now coming up w/a quote as much of it will be custom cut to fit our odd sized doorways. Hoping to get loads of the doors done for little cash, but that might be asking a bit much!

*Quote for CashHappySon's car insurance is ridiculous. Both boys are going to go together and each pay their own amount based on their respective vehicles, but they'll get a multi-car discount. Still, too much though!! OUCH!!! Hubster and I do not want them on our insurance - as we would hate to be financially liable if they were to seriously hurt someone in a car accident.

*Estimate from the country treasurer says that our house taxes are going up by a mere $5.00 next year - which isn't too bad you know! Big Grin

*Think I'll go drink a cup of serenity!

ChopChopShop-Mom's Shopping Service

January 20th, 2007 at 06:01 pm

ChopChopShop-Mom's Shopping Service

CashHappySon had yesterday off so we got a couple of things done.

1)Got all his extra ING orange accounts shut down! Kiss Off Orange!!

2)Sat on hold for 45 minutes trying to get his Tracfone up and running again after his sim card went kaput. Near non-English speaking CSR later he was unable to help us get it back up and running nor unable to tell us what to do.

3)Trip to Walmart to exchange his phone for another one. Thankfully due to Hubster's good influence we all save our boxes, receipts and baggies, etc. so we had everything needed to exchange it - even after one lady at the register said it couldn't be done.

Lesson: NEVER MESS w/A MAD MOM who has just set on HOLD for 45 minutes and then driven thru an ice-storm and trekked thru a Walmart store full of RUDE people about a phone that he's only had for like two months being fried!

I was ready to Kick Pa-Tut*-y and take names.




He got a new phone AND the price had since gone down so he got a small $4.55 refund. YEAH TEAM FRUGALIS!!

4)Do Not Forget Dear Reader - that he has a burning hole in his pocket which cash likes to run through. He's been knife collecting and so he took his spending money for the week of $5 and added the refund and bought himself a four knife lot off of ebay. He doesn't have an ebay account so Mom does the bidding and paying. Price w/shipping $10.44.

Money Burning Hole in Pocket 10.55
CashHappy Collector's Fever -10.44
__________________________________
Wouldn't you just know that
Mom's Shopping Service Fee just
happens to be = .11 cents!!

5)Taking it to the challenge!

$20 CHALLENGE
$35.32 balance
+00.11 chopchopshop
______
$35.43 Jan MTD

2007 Challenge $35.43
Cumulative Total $161.54





Our Experience With This Firm

January 20th, 2007 at 01:28 pm

Our Experience With This Firm



For informational purposes to you guys and also to keep track for myself I'm posting this entry...

On 1/11/07 I sent in the paperwork to get our Roth IRA's transferred from ING over to Fidelity. In this a.m.'s e-mail bag was this notice:

"Your transfer was initiated by Fidelity on 01/19/2007. Based on our experience with this firm (ING), your estimated completion date is 02/06/2007."

Here's hoping!

edited later to add: About three years ago I printed this little graph above out and stuck it in three places - my wallet where the cash goes, in my makeup case where I see it daily and on the dresser mirror. It does help give me pause before I spend will-nilly!

Under The Keyboard

January 17th, 2007 at 11:09 pm

Under The Keyboard



In the whooo-haaa fest of remodeling the day after Christmas I suppose I stuck change that was in my hand under the keyboard to deal with later, however, where it's from I don't really know, but there were a couple of checks that were under there and $7.00 in cash.

Taking the $7.00 to the challenge.

$20 CHALLENGE
28.32 balance
+7.00 keyboard
_____
35.32 Jan MTD

2007 Challenge Totals $35.32
Cumulative Total $161.43

Heads Up Library Ladies

January 17th, 2007 at 09:33 pm

Heads Up Library Ladies



Quiet Please

Now this is rather on the cool side. A bit pricey at the moment, but I can see with their rewards program and a busy lifestyle how this could really work out for some folks!

Check it out!

Playaway

Tidying Up Loose Ends

January 17th, 2007 at 06:21 pm

Tidying Up Loose Ends

Spent last evening tidying up the loose ends on the office front. Money to Hubster and my Roth IRAs. We had cancelled the automatic drafts at ING but still want to put our monthly amounts in and went ahead and did that because I'm not sure just how long it will take for them to rollover to Fidelity. Moved & done!

Then moving more dollars that came out of ING savings on over to Emigrant for myself, CashHappySon, FrugalSon and The Hubster. Moved & done!!

Tidying up the little loose ends makes me feel much better. The mind noise - the nagging sound of interest being lost - can now SHUT UP!!

Yeah!

Done & DONE!!

Now reading CubeChic:



I don't have a cubicle, but if I did, I like the one on the front cover - only slightly less on the nick-nackery.