"I take care of my things. After all, those of us as has few things to begin with must take care, lest we have fewer." - Erica Eisdorfer

Can Someone Fix the Blogs' Time and Date Please?

November 24th, 2017 at 03:46 AM by Lucky Robin

The dates and times have been off on the blogs for several weeks now. Right now I will post this on November 23 and it will say it is November 24th. The time used to be concurrent with whatever time zone you were in as well, but it now is half a day or so off. I think the code is broken somewhere.
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JCP - $10 off of $10 Coupons

November 24th, 2017 at 03:38 AM by Banker Gurl

We snuck into JCP after Thanksgiving dinner. I didn't expect it to be too busy since it was about 3pm on Thanksgiving.....boy was I wrong! The place was a mad house!

They were giving away coupons that could be $10 off of $10, $100 off of $100, or $500 off of $500 purchase! MO and I each got a $10 off of $10, which we were happy with.

I used mine for a shirt for myself, it was $30 and on sale for $11.99, so just had to pay $1.99.

MO didn't find anything he wanted so...
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Happy Thanksgiving

November 24th, 2017 at 12:07 AM by Terri

Happy Thanksgiving to all! My year has been full of blessings and I have much to be thankful for this year. We had our usual small Thanksgiving with just me & my parents. I invited a co-worker over, but he didn't come. Lunch was delicious as always.

Now that I have contributed in excess of the $18k limit for my retirement plan, I have contacted Vanguard to get a distribution of funds. Despite what they implied at the beginning on the year, it seems they are willing to give me...
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Happy Thanksgiving! (Book coupon)

November 23rd, 2017 at 02:08 PM by Creditcardfree

Happy Thanksgiving!

I am so grateful to live here in the United States that affords me and my family to pursue the life we want to live. I'm also grateful to Saving Advice as a place to talk about my life and share in yours.

I wanted to clue you into a coupon on Amazon.com. It's worth $5 off $20 worth of book sold by Amazon.com. The code is GIFTBOOK17 and is good through November 26th.

I had $47 worth of books in my cart this morning. I added the coupon code and $40...
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Tough Journey

November 23rd, 2017 at 01:20 PM by Amber

Finally figured out how to check out audiobooks from my local library. I drive a hour each way to and from work so this will be perfect.

I've checked out Dave Ramsey's "Total Money Makeover" and Robert Morris' "Blessed Life." I'm excited about listening. Years ago I checked out Dave's book but just couldn't get into it. So I'm trying it again.

I'm revamping my budget again for the 100th time. I have a few items coming up that I need to cash flow so I'm adding the sinking...
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Happy Thanksgiving

November 23rd, 2017 at 10:54 AM by Laura

I hope you all have a wonderful Thanksgiving. For the first time in a long time it is more than two or three of us. I am going to my oldest son's who is literally two parking lots away! My parents are coming up as well. Missing out on most of my family/friends for the holidays played a large role in moving back to Mi.

I am not planning on buying anything, but I may go to the mall just to see how chaotic it is tomorrow. I only have to deal with half the battle since I can walk...
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4 days of bliss

November 23rd, 2017 at 01:37 AM by PatientSaver

I'm looking forward to 4 days of bliss and no work. That's right, 4 days. I learned today that after mentally coming to terms with having to work on Sunday, my manager said I don't have to come in. The others, though, who are working Friday and Saturday, will still have to go in.

I'm trying not to plan too much or add to my to-do list. Probably the thing I most want to get done aside from household chores is get rid of the cut up logs in front where they took the trees down;...
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Mortgage Principal Reduction update

November 22nd, 2017 at 11:37 PM by Mrs. Frugalista

To date:

Paid $1,528.52 extra on the principal

Money saved in interest: $3,414.11
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We did it!!!

November 22nd, 2017 at 11:33 PM by Mrs. Frugalista

The Lofty Savings Goal is officially funded!!!! Hard work, sacrifice and determination helped us accomplish this goal. From this point forward, we will continue saving but not as intensely as before. All our efforts are now focused on killing that mortgage.

2017 has been a really rough year for me but I am thankful for everything we have and I just want to continue being a good steward to all of the financial blessings bestowed upon us. I am grateful for all that I have because...
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Linen Napkins

November 22nd, 2017 at 11:24 PM by Amber

Surfing the blogs and came across a post on using linen napkins vs paper towels, not sure why I haven't thought of this. I have a ton of linen napkins that I use when hosting. I'm going to buy about ten for every day use.

The young lady we donated the food to just got a tv. My coworker gave me a 32" tv for her. That just made my day.

I ended up eating out to day at McDonald's, I wasn't too happy with this but oh well.
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Not Much Spending

November 22nd, 2017 at 09:27 PM by Creditcardfree

I personally haven't spent much of anything the last three days. I did buy one Christmas gift, but that was paid out of the Christmas budget.

My husband did get his hair cut. I just now sent him to the store to get three food items. While he is there he is picking up the alcohol he wants for the holiday weekend.

We don't have plans to shop in stores on Friday...or likely any other day this weekend. If I know of a deal on something we were going to buy anyway I would likely...
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Off topic- Turned a corner for Z and X!

November 22nd, 2017 at 08:56 PM by Gramma Ray

I am cautiously optimistic (ecstatic!) that we have turned a significant corner for Z and X.

We recently took the boys to the state DHS office for evaluations, which is part of the adoption process. Adoption and termination of parental rights (TPR) run concurrently at this stage - in order to expedite adoption as much as possible.

Last week we had court to set the TPR trial, which will be held in April 2018. However, BM went to her local DHS office before the court...
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Deficit under a thousand!

November 22nd, 2017 at 08:16 PM by ceejay74

AS got a few payments this week, and our deficit is now at about $800! She's expecting many more payments before the end of the year, hopefully some of which will come before the end of November. It feels like we're close to the finish line!

We went about $300 over budget on groceries this past week, so without that we'd be even closer to paying it off! We had a potluck to buy ingredients for, plus we bought extra alcohol for both that and the Thanksgiving holiday, plus of...
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Annoying work issue

November 22nd, 2017 at 05:33 PM by Steve

I love my new job.

Of course, no job is perfect. There is always something that could be better.

We have a monthly staff meeting. They are mandatory for us to attend, however, we don't get paid to be there. We used to have in-person meetings but about a year ago switched to Skype/phone meetings to try and boost attendance. That was more convenient and I didn't have to miss work to attend, though I actually think in-person meetings are more productive.

For December, they...
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Things to Do Today

November 22nd, 2017 at 04:09 PM by CB in the City

1. Pack
2. Take laundry to car
3. Buy bread & butter gifts
4. Buy kitty litter
5. Clean litter pan
6. Order gifts for Florida kids
7. Clean fish tank & put in feeder block
8. Pay bills
9. Pick up sister at airport

My son defended his thesis and completed his Master's degree yesterday! It's official! I'm so proud of him. He has done this while working full-time and continuing to be an awesome father. There may be a celebration tonight. It may or may not happen, but...
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Holiday Spending

November 22nd, 2017 at 03:56 PM by Monkey Mama

MH just bought some concert tickets (including one for my dad). I told him that we should just cover it. Make it a Christmas present. Is the same gift he got last year (but a different band).

This is about how much thought/energy I am giving to the season. We don't celebrate in any big or materialistic way. I'll be figuring out some other gifts, but nothing I have to "plan" for or will spend much energy on. We don't save any money for Christmas, accordingly.

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Screenplay Reading and Gearing up for the Weekend

November 22nd, 2017 at 12:17 PM by TD

My screenplay reading last weekend went great, despite some nasty weather that I'm sure kept some people home. It's always such a gift to hear my work brought to life, and my actors were fantastic. I'm very lucky. I got so many positive comments from attendees. Many asked what the next steps were, if there are any plans to put it into development because they'd actually like to see it as a movie. That's what we're aiming for, so it's good to hear the story is resonating with people....
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Goodish News and Thanksgiving Plans

November 22nd, 2017 at 07:10 AM by Lucky Robin

DH got the job he interviewed for. It is only a three month job, though, hence the goodish but not full-on good part. He will start in two weeks. I figure if it gets us through February, then we'll have our tax return to live on for a while. There is a possibility they would keep him on for other jobs after that. Someone had told him before he left the slope that there would probably be a job for him in April. Probably and possibly are not something I hang my hat on, though.

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Jumped the Gun 😡

November 21st, 2017 at 09:08 PM by Amber

So before I read everyone's responses I jumped the gun and did the below with the extra funds. I was feeling good about it but then thought I should have read the responses to my blog about the found money first and did what was recommended. That by the way was to apply all of it to baby step 2. 🤦🏾‍♀️

Found $60
$6 went to tithes (took this from my budgeted pocket money)
$5.40 went to the EF
$4.86 sinking fund ( car insurance, license & tag, and sorority membership)...
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Christmas Spending & A Raise

November 21st, 2017 at 07:13 PM by Creditcardfree

I'm not nearly done Christmas shopping, although I have made a pretty good dent so far. Our budget for gifts is $600. I haven't even made the final savings deposit of $50 yet. That last one will cover the check we are likely to mail my mother in law so she can get what she wants. It's hard to buy for someone that is 82!

Spending so far is $225.68. This has primarily been gifts for my daughters and nieces. That means I have just $374.32. I do plan to stay at or under budget....
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