Lizajane's Personal Finance Blog

A month ago, my husband bought some rubber boots at a local farm store. Of course, he didn't try them on, but he asked if he could return them if they didn't fit. The man told him yes.

They didn't fit. He has wide ankles and not a lot of flexibility so I knew there was no way he'd get into them, but I wasn't here to put in my 2 cents worth when he went to get them.

I was running errands 2 weeks ago and stopped by to see if I could return them without the receipt (the tag is still on them), and they were quite unhappy with the request. The man brought out a stack of receipts and started flipping through them to see if he could find the original purchase, but it was a real half-hearted effort on his part. I had to get to the bank by noon, so I told him I'd go home & look again for the receipt. Never mind, I thought. I'll list them on CL. I had one inquiry but no takers.

Fast forward to today. I threw the boots in the car and got to the store a little earlier this time. I explained to the girl in charge the story again, and in walks the guy who gave me a hard time last time. I told him I had looked but couldn't find the receipt, but related that the older gentleman that had checked out my husband told him he could return them if they didn't fit. I then added "I have more time to wait around today if you want to find the original ticket." (Hint: This means I'm not taking no for an answer). He got the hint, but his reply was a big sigh and an "I guess"!

What a way to run a business!

DH offered to go in and make him apologize for the rude treatment, but I declined. I got what I wanted, which was the cash back in hand. I never really cared for shopping there in the first place, but now there's an extra reason to find elsewhere to buy. Do you think I might mention this bad experience to several others? You betcha!

I got a check today for my work through May for a mail decoy company. When I get something in the mail, I just log it and it takes a minute at the very most. So, for the past year, I've been doing this. DH thinks it's stupid, but the way I see it, that's money I didn't have before - all $29.50 of it.

The only bad part is this company pays 1 quarter behind, so for my work through May I should have been paid in August. But they it was delayed, and delayed again, and again. After 3 emails, they finally sent the check and I received it today. I think you have to have $25 for them to pay, and I just added up the work accumulated since May and it's not $25 yet. So at this rate, if I get enough mail to log by the end of November, I should get paid in February, but it will be more like April. Crazy! The other interesting thing is that since I started questioning I've noticed the volume decreasing. It might be a total coincidence, as I was getting 2-3 items per day for awhile from one particular client. Maybe they just had a contract for a certain period of time, and now there won't be anything from them.

I also got a $2.00 rebate and I found a penny on the ground in the post office.

I think it's supposed to be nice tomorrow, so I hope to get a few more things done outside to prepare for colder weather. Enjoy your weekend, whatever you do!

It's week 2 of trying to limit grocery spending to $40 a week, and I'm already over this week's limit by $10. Hopefully, next week I can scale it back a little to make up for it.

I've been trying to make a list during the week for the following week of everything we need or are close to running out of. Then I try to split the list into must-haves and can-wait-a-week items, and shift things around if there are sale items that can be combined with coupons I have. The week starts out good and I try to save some money back for the extra milk or bread I know we'll need at the end of the week, but then more things creep up unexpectedly. Oh, well, I'll keep working at it. Practice makes perfect, I hope.

Today I was in a rush leaving for work and found I didn't have any more Lean Cuisine meals to take for lunch. I didn't have anything to make a sandwich out of, so I scanned the cupboards. Tomato soup - not in the mood. Cereal - nah, just had that for breakfast. Nothing else jumped out at me until I spied the potatoes. That's it! I grabbed a potato, a partial bag of broccoli, and threw some shredded cheese into a microwavable container. Voila! It was a tasty lunch, and much cheaper than grabbing something on the go.

Got some good deals at Walgreens tonight. These are some of what put me over my budget, but I couldn't resist. A small bag of trail mix for the ride home from work, 2 big boxes of Kleenex, and 4 cans of Glade air freshener for....$3.97. Of that, I paid $1 cash, and used the exact remainder of the money on my Revolution Money Exchange card for the other $2.97, so it wasn't really cash out of my pocket. I didn't even need the Glade, but I can submit the receipt for a $5 SC Johnson rebate. When I figured out the individual items by price, the 4 Glades cost me just $1.25. Gotta love it! I'll spend a dollar or two every day if I can double or almost triple it each time. Now if I only I could figure out how to do that with hundreds of dollars.

I don't like living this close to the edge. I can't wait for payday to come, but the majority of the money is already earmarked to pay various bills. Somebody called tonight about taking a look at one of our horses, but I don't know if they'll really come thru or not. It would be nice!

Nothing else is going on related to finances, so this is a short and not-so-sweet entry!

Happy Veterans Day. Thank you to all who serve(d)!

You know you have too much clutter when...you trip over something in your junk room. I have got to get to that room and do some organizing and down-sizing. I tripped yesterday climbing over a dog crate which was wedged betwee a file cabinet and a table. I slammed into the desk and bruised my arm pretty good. Fortunately that was all that got hurt. My husband was in the next room with his cousin and they both thought I just knocked something over. I guess if I hadn't come out they would have gone in to check on me...or at least I hope so!!! LOL

I just added 18 more codes to my tally on Coke rewards. They should accumulate much slower now since I weaned myself off of it. I just had 2 glasses all last week instead of the 2-4 glasses I was drinking every day. I don't really miss it, once I got past the first 3 days. Anyhow, my points level is now 1475, so I went window shopping to see what I could buy with it. I've done magazines and t-shirts and donations in the past, but this time I was looking for gift cards to give for Christmas. Nothing jumped out at me, although my nephew might like a $20 Nike gift card. I usually give something of $25 value, though, so it's a little less than normal. Then I saw 2 free tickets to Silver Dollar City (a theme park) in Branson, MO. That would be a nice day trip for me & the hubster (or me & a friend if he doesn't want to go). I haven't been to their holiday light display in about 10 years, and it is just beautiful. I don't even know what it costs for admission anymore, but it wasn't cheap the last time I went. So, this is a really good deal. Hmmmm, I'll check with him today and see what he thinks. Those points are now burning a hole in my pocket wanting to be spent, after I've spent over a year adding to the total without redeeming for anything!

(Don't read if you are having lousy weather wherever you are, because I don't want to depress you!)

It's GORGEOUS here today!!!! Mid-70's with quite a stiff breeze, but it's hardly November weather at all. I'm loving it. I spent the morning listing some things for sale online, while waiting around for someone to call me back about something I already had listed. We exchanged emails and a phone call, and they were going to call back. (they never did, no big surprise). Then I ran a bunch of errands, including a few yard sales. My steal of the day was 2 pairs of Lee jeans for $1.45. It was 75 cents a pair, but when I emptied my pocket I was a nickel short. I think and hope they are the right size. I have a dresser drawer full of jeans that are a size or two smaller that I bought cheap at yard sales thinking they would fit. They would, if I would just lose 20 - 25 pounds!

The mail today brought my coupons that I had purchased on eBay to use up some expiring eBay Bucks I had accumulated, so that was a good mail day.

Now I'm headed out to enjoy the day!

It's been a long time since I posted any updates on coupon savings for the year and average per week. I finally figured the tally, and so far this year on grocery, household supplies and dog food it looks like this:
Before coupons = $6,647
After coupons = $4,853
Savings = $1,794....roughly 27%
At week 45 of the year, that makes our average per week $107.85. It's not as good as I'd like, but it's not that far off from the $100 I was shooting for.

My list of things to do this weekend is a mile long. It's supposed to be really nice here, so there are several outside activities to do like mowing, pulling up all the stakes in the garden so it can be plowed up, putting away various items that have been used during the summer but not put back. I'd also like to move some stuff from one storage area to another and rearrange it in the process. Unfortunately, the indoor list to do is much longer and more important than most of the outdoor stuff. Many are related to finances - list some things on ebay & CL, organize paperwork, complete financial papers for a refinance, do online training that I've signed up for to help advance pay at my seasonal job, etc. Hopefully, I'll wake up with tons of energy and can get a lot of it done and crossed off the list!

Enjoy the weekend, whatever you end up doing.

An acquaintance called me today and asked if I'd be interested in setting up a web site for their business. It's a service business, so they aren't selling any products on the web site - it would just be informational, with a description of services, pictures, references, etc.

I've never done this type of work before, other than setting up our own website for our farm. I'm kind of proud of what I came up with there, but it's not the fanciest web site either. I have had people compliment me on it, though, so I'm considering taking on this job. Naturally, since I'm me, I start thinking of the reasons NOT to do it first. Things like I'm not 100% confident on all the ins & outs of setting something like this up and I don't really know how to charge for my services. And then the voice on my shoulder says why not? You can check what others charge to get an idea of an appropriate fee. You've explained already that you haven't done this before for hire, and this person was okay with that. You can ask others for help when you're not sure how to do something.

I'm taking a few days to think it over, check pricing, and decide. Anyone have any tips?

I had an interesting, if not frustrating, conversation with hubby today. He went to look at an old, I think '34, truck somewhere yesterday that someone told him about. (I'm gonna get his friends and family duct tape for gifts to tape their mouths shut!) He wants it, really, really wants it. He knows that finances are very tight, but it's one of those deals that don't come along every day, supposedly.

He mentioned it first, as in "do you care if I go look at it?" Do I mind if you LOOK? No, of course not. But I know that doesn't just mean he will look at it. Naturally, he made an offer on it, and told me different things he could scrap out to come up with the money. My thought is that if we could scrap out those things and come up with money that we ought to put it toward some good use like paying down our debt.

This is not a new thing for us. But, I gave up a long time ago saying no, because it just made us miserable. He was miserable because his wife was telling him what to do. I was miserable because he was miserable, so I finally told him one time that I was tired of feeling like the "parent" in this relationship. It didn't really change anything, except it relieved me from feeling that I was carrying the decision-making burden alone. We still may not agree that some of these purchases make sense, but I tend to step aside and let whatever he thinks needs to happen, happen. Sometimes he ends up buying whatever it was, and sometimes he doesn't. Only time will tell if it will leave us with more financial struggles down the road. I hate taking that chance, but I hate fighting over money more.

My logical brain tells me that if he buys this particular truck it will be something we could sell later if needed. His brain doesn't work the same way. He's very reluctant to sell any of his "treasures" that have accummulated over the years. I tried teasing him today saying that if he were a kid I'd be telling him no news toys until he gets rid of one of his old toys. He was not amused!

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As I read back over this before posting, I can't decide if I'm complaining or whining or venting or just stating my random thoughts on the topic. Who knows? Maybe it will get out some of my frustration on the topic.

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In definitely positive news, I found another dime on the sidewalk in front of another grocery store. That's 2 dimes this week! That beats 20 days of finding pennies, but it's all really the same.

And then, hubby cooked dinner tonight! I asked if he was trying to butter me up because of the truck discussion! But no, his son was here and not feeling well (suspected hangover), so he thought he could get him to eat something. Whatever the reason, I'm pleased as punch! Treats like this don't come along often, like maybe 2x a year.

Just curious...how much time does everyone spend online "playing" each day, on average? (not counting time spent making money blogging or doing surveys or selling online)

I have a routine almost daily of checking 2 email accounts, reading some blogs, and checking for coupons. Somewhere in there I peek at Craigslist also. If you asked my husband, he'd tell you I spend about 5-6 hours a day online, but it's really more like 2-3 hours. That still seems like A LOT!

I went back to Dillons again tonight after I found a few coupons online and identified 10 more items to get for their mega saver event. I couldn't resist! For $3.58 I bought:
3 Lean Cuisine meals
2 Betty Crocker potato mixes
3 Chex Mix
2 Bumble Bee tuna pouches

I also bought $4+ of ground beef at another store, so of our original limit of $40 for the week, I still have $17 left. Tomorrow I'll hit up a discount store for bread and fuji apples. Last time I was there the apples were 49 cents a pound, and they are huge. Lets hope the price holds until I can get there.

I did some grocery shopping tonight after work. With the time change, it was already getting dark, but in one case it worked to my advantage. As I exited the store, the street light was glinting off something on the ground...a nice shiny dime! Kind of makes up for the fact that the cashier forgot to deduct 10 cents from my order because I brought my own reusable bags.

I dedided to try grocery shopping with cash for a change and truly trying to limit myself to $40 each week. I started off great tonight and only spent $15 (out of pocket) for these groceries:
2 gallons milk
laundry detergent
2 2-liters coke
3 Lean Cuisine meals
12 oz. package cheese
1 box saltine crackers
Betty Crocker potato mix
4+ lbs. bananas, reduced
5 lb. bag grapefruit
1 box Kashi cereal
2 pouches Bumble Bee tuna
1 bag fritos
1 bag Halloween candy
rubbing alcohol

I clarified this as "out of pocket" expenses because included in the list is $9 worth of stuff I got at Walgreens using register rewards from a prior purchase. I thought that was a pretty good trip either way!

I saw an interesting post on Money Saving Mom about a free download of an ebook called Thriving on Less. I downloaded it but haven't started reading it yet. http://thepowerofless.com/2008/12/free-ebook-thriving-on-les...

I just finished making a delicious dinner and have planned leftovers to take with me to work tomorrow. Round steak with peppers & onions, cooked in some black bean flavoring mix I've had in the cupboard forever. The steak came from some my MIL gave us last year from a cow they butchered. The peppers came from the garden, and I paid at most 25 cents for the mix from a discount food store over a year ago.

Add fried potatoes, broccoli (from our garden) and a little bit of shredded cheese, and it was a wonderful meal. Maybe not the healthiest...but cheap and wonderful!

I upped my found on the ground total by 2 cents I found yesterday while out running errands.

Today was a busy homebody day. I fed the outdoor animals, cleaned the dog crate, cleaned 3 bird cages, vacuumed, dusted, washed a few windows, did 3 loads of laundry, fixed a lampshade, fixed the latch on the front door, and set up my "Rat Zapper" in the kitchen after DH saw a mouse. It's a nifty device I bought last year when we had a rat problem in our barn. It kills them with an electric current - no blood and no mess. The first one we had ended up having issues too quickly (although we did kill several rats and mice with it) and the company sent us a new one. I pulled it out of the box around 11am this morning, set it up on the floor but didn't turn it on, and an hour later checked to see if they'd taken the bait (dog food). They had. I baited it again and turned it on. In about an hour, it lit up indicating there was something inside. Sure enough, it had zapped a mouse. I took it ouside, dumped the mouse and the remaining 2 pieces of dog food out, put the dog food back in and came in & turned it on. While I was cooking dinner, I checked and the light wasn't lit, so nothing had been caught. We sat down to eat in the other room, and when I took our plates back in, voila! Another one bites the dust! I love it!! It didn't come cheap, but with animals in the house I don't want to put out poison or a regular trap.

I'm on day four of no diet soda. I tried to use a coupon I'd printed for a free Cherry Coke or Coke Zero at Kum 'n' Go yesterday, but they were all out. My goal is to not necessarily cut it all out, but to cut way back both for my health and my wallet. I figured free or cheap was ok, but it just wasn't meant to be.

I just noticed after I posted this so I had to go back and edit..DRUMROLL PLEASE....It's been 1 year since I started blogging here. Woohoo!! I can't say that I'm any further ahead financially than I was then, but I've learned a lot and I've very thoroughly enjoyed being a part of the community.

I love getting rebates in big chunks. The mail today brought a $10 rebate. I think I sent it in less than a month ago, so it was fast too!

We are muddy, muddy, muddy around here. Yesterday brought 3-4 inches of rain, and it was already muddy before that. There is still standing water in our yard in some places, so that mud is just delayed.

I had some nice savings on dog food at Petsmart with coupons they emailed to me for $15 off a $50 purchase. The limit was 2 coupons, so I split my 5 large bags of food plus a few other items into 2 purchases. I had a few coupons too, and then some Purina rebate checks to use. All in all, I spent $53 for $125 worth of food. With 2 bags I bought yesterday before I had the $15/$50 coupons, that should last us 3 weeks.

I've decided to cut way back on my diet drink purchases. Today is day #2 without them, and also without caffeine. I don't know about this. I was dead tired at work today, but I don't know that I can blame it on a lack of caffeine. I've been that tired other days while I was steadily drinking diet coke. We'll see how the weekend goes. I have heard and read that you should drink half your weight in ounces of water every day. So, for example, if you weigh 160 pounds, you should drink 80 oz. of water. That's more than the "8 glasses a day" that I'd always heard, assuming they were talking about 8 oz. glasses. That is A LOT of water!! I think I'd be spending my life in the bathroom if I drank that much every day.

I'm yawning a lot tonight, so I think I'll drop into bed and do some light reading....I'll bet I can't even keep my eyes open for one page!

We hit a new low, and were overdrawn in our checking account yesterday. $30 in charges. Yuck! Fortunately, hubby happened to check before he went somewhere and wrote a check because we were expecting his social security deposit to go thru around the 23rd to 25th, like it always does. Nope! It just went in there last night. He added some cash to get us back in the black, but it was a sick moment. We haven't had money run that close in a long time.

It made me feel extra guilty because I am on a short mini-vacation visiting friends and family. My only cost out of pocket for this trip has been a few dinners out and gas for which I scrimped together cash from my change collected over the past few months and some rebate checks. It's a well-deserved cheap vacation, but it kind of puts a damper on things when you know you're blowing money that really could have been put to better use. I was even ok with the dinner money spent, but mortified at the $14 it cost me to park in a parking garage for 4 hours. I'm sure I could have found a cheaper alternative if I had done a little research ahead of time.

Reading Jennifer's post on the value of "only" $40 got me thinking that for this short vacation I really have gotten a lot of value for the money I spent, so I have to go forward with no regrets and not beat myself up over it. I can't change the past but I can change the future, and the big challenge is figuring out how to proceed to do that. All my ideas are small. Maybe I could cut diet soda and impulse snacks from my grocery list altogether, and possibly save $10 a week. Maybe I could really go on a diet and lose weight, which would make me feel better, which would make me feel more like excercising, which would improve my energy level and my self-esteem and my heart and countless other things. I can't possibly think how that would bring in more money or help cut expenses, but maybe just having more energy will give me the oomph to get selling on ebay again. The possibilities are endless, and I know I just have to take those baby steps.

You guys really are the best! I was pretty down in my last post, and you are all so nice, luring me back in.

I'm traveling and visiting relatives this week, and stuck with a s-l-o-w dial-up connection. My connection at home isn't lightning fast, but it seems like it now!
While I'm away, I hope to get some rest and get some motivation to change some things. At the least, I've brought some "homework" with me. We're supposedly close to refinancing, but need to come up with a few more items for the lender. I'm keeping my fingers crossed on this one - we need it very much. Also, just before I left, I asked my current bank for a printout of our loan payments, showing the amount applied to principal & interest each month. What prompted it is I had come up with an amortization schedule by plugging the amount, interest rate & number of years into some online amortization calculator. When I asked the bank what the current balance was, they differed from the calculation I had by over $1,000. Mine might not be 100% accurate because I had to fudge some things to come up with the monthly payment the bank says. So, that's one question - why the difference. But I have never seen anything like their printout. The amount applied to principle is all over the place, not a steadily increasing amount applied to principal. One month it'll be $200+, then up to $300+, then $20+, then $100+, then $500+. I don't understand it at all, so while I'm away I'm going to call and ask them to explain it to me, even if it takes hours! It's crazy!!

So, I'm going to try to be back here more. I really do miss it when I'm not posting. I find it helps me to clear my head and think things out when I do post. One step at a time....

I don't know what happened. I'm almost at my 1 year anniversary for blogging, and I just haven't been in the mood. Ok, even after I wrote that I "don't know what happened", I realized that wasn't exactly the truth. I really DO know what's happened. Our finances are a mess right now, and I am so depressed about it that I have no urge to document anything. I guess I've been hiding my head in the sand.

We're not able to pay extra on anything, and I know we are still spending more than we bring in. I haven't updated the sidebar debt because it's too ugly.

On the bright side, I did manage to finally catch up on documenting our spending and coupon savings and all that, hoping it would provide something positive to write about. The summary is:
Found on the ground - added a penny! woohoo!
Rebates & coupon savings came out quite nice. Since I had last updated those months ago, I was worried that we might have fallen off the track on the goal of keeping the grocery/household/dog food spending around $100 per week ($60 for dog food, $40 for food, etc). While we're above the $100 mark, the average per week has actually gone down from just over $110. That's some tiny progress, at least.

Also, I think I remember getting some Purina rebate coupons in the mail yesterday, but now I can't find them. I hope I didn't really lose them! It's 10 $7 coupons. They're really checks but they are used like coupons. That would be a really bad move on my part if I actually did lose them!

I haven't been doing as much with coupons as I used to. I had to get brake pads for my car today, so I stopped in the grocery store and flipped thru the coupons in the Sunday paper. There were some dog food ones, so I could make my money back on the paper plus some extra, but I just didn't see anything else that thrilled me. I didn't buy it, and I probably won't tomorrow either. I find myself doing that a lot lately. I just don't want to be bothered clipping.

I've got $20 in rebates to mail in on some antifreeze we bought, and I'll be trying to get that in the mail this week. I've had quite a few bigger rebates like that lately. When they are $5 or $10 each, they add up fast.

I've also been trying for weeks to list things on eBay & CL. It never becomes important enough for me to set aside time to get it done. DH gets mad already at the amount of time I spend on the computer, most of which is checking my emails, printing coupons from various sites, and reading some blogs. The minute I open up eBay or CL, he wants me to look up some obscure things for him or read him some of the items in the categories. Within 30 minutes, I'm about to fall asleep from the monotony of it, and I never get around to the SELLING!

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After reading back thru this, it fits how I've been feeling lately. Up, down, up, down. There is no logical flow of thoughts, and it seems like things are very disjointed. I can focus on small details and spend hours tracking dollars & cents, and then feel like I accomplished something. But in the grand scheme of our life, it doesn't amount to a hill of beans. We have bigger things to resolve, and can't seem to come up with a real plan for solving them. Ugh!

I think I'll quit for now before I become a whiner. Oh....too late? Sorry!!!!

Two or three days ago, I found a penny at one store and a dime at another. Yesterday, it was the same thing. I don't know what the significance of that is, but maybe third time is a charm and some wonderful luck (other than finding pocket change) will come my way. I'll keep looking!

A friend of a friend is supposedly interested in some of our horses, but they "need a week or so to get their money together." I used to get excited when people were interested like that, but not any more. It almost always translates into no action. If we had just 1/2 the money that's been supposedly coming our way from other interested people over the years, we'd be very very rich by now!

I hate fleas. I can't seem to get rid of them on my dog(s), no matter what I do. We only keep one dog in the house, but now she's had puppies and they have fleas too! (They aren't in the house anymore. Once the puppies turned 3 weeks old, I moved them all to our barn.) There isn't a lot you can give the mama dog when she's nursing, and not much will work on the puppies except frequent, frequent bathing and a touch of flea spray. Ugh!

Yesterday, I moved our birds outside, prepared for flea bombing (well, actually a spray), and set it off & we left for a few hours. When we got back, I did a thorough cleaning. I'm sitting here on the computer this morning, and felt a flea on me. What?! Can anyone tell me something that really, really works? I've heard steam cleaning the carpet will help. I might do that next too.

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In better news, I found 11 cents this past week, and I got a $5 rebate check for Zantac. The funny thing is that when I bought the Zantac which we might or might not ever use, it was $4.89 or something like that. I had a $5 printable coupon, so I got it for free. But I knew that I would get the money back a 2nd time from the rebate, so that's why I bought it. LOL.

I've got some other rebates to organize. I think one of them was for $10, but I've got to find $30 worth of receipts for "grilling items" - meat, condiments, napkins, ice, etc. It shouldn't be a problem because it doesn't all have to be on one receipt, and it covers a 6-week period of time, I think. Just finding the time to dig thru my receipts is what I'm having trouble with. I don't know why though. It can't possibly take me more than an hour, so that would be $10 an hour that I would have earned for that hour!

The overall problem is that I seem to be having organizational breakdown lately. I spend a lot of time accomplishing nothing. I haven't even been on here much, so I can't blame it on that. I just can't seem to get my act together to organize the bills or paperwork or the house for that matter. Yesterday was a good start with the cleaning, so maybe I can build from there. I think what has really zapped my time lately is spending time in the garden or working on what we pick from the garden, so to say that I "accomplished nothing" isn't really true. It just seems that I don't balance that with all the other stuff I need to do.

Well, maybe I should quit writing about it, and just go DO IT!!

I've never really heard those words when they've meant something good, until today. I noticed that 2 items on my grocery bill didn't ring up at the price on the shelf. They rang at $2.20 instead of $1.99 each. I had a coupon for $2 off each one, so the plan was that I would get them for free. In a split second decision, I went to the customer service desk to get my 40 cents refunded.

Sometimes I bother and sometimes I don't when there isn't much money involved. Today for some reason I did. The clerk looked at the items and studied the receipt, and punched her info in the cash register. I looked up and she was handing me $2.50! "If it's priced wrong, you get one free. That's our policy."

My jaw dropped! Where I lived before, that was a state law, but I don't think it is in this state. Plus, I've shopped at other stores in this same chain, and requested a refund on items that scanned wrong, and they've NEVER given me the item free. It was a nice surprise. I suppose I should have argued that with my coupon I already got both of them free, but who am I to argue?

I noticed my debt ticker had vanished. I guess I hadn't updated in several months (I didn't know tickerfactory would get rid of them after a certain period of time). Oh well, I didn't update it for the same reason I haven't updated the list on the sidebar since May. Things have swung in the opposite direction and I can't handle seeing the reality of it.

Instead, I put my weight loss ticker. I've at least made progress (small progress) with it.

I also had fun on the H&R Block website the other day. There are all sorts of nifty calculators to estimate taxes, etc. Plus, I saw some cool widgets so I added one of those to my sidebar. I really didn't want it to take up such a large amount of space so I may not leave it there forever, but for now enjoy!

If you are interested in the tax calculators, they are at: http://hrblock.com/taxes/tax_calculators/index.html#

I made a quick stop at Walmart tonight after a town hall meeting. It's always an eye-opening experience when I go to the stores in the city. Interesting outfits, bizarre makeup, and just some odd couples.

The best part of tonight's trip was the 2 conversations I overheard. The first was in the produce department where a woman was VERY LOUDLY proclaiming that their produce was awful! I kind of chuckled, thinking that she was just announcing this fact to anyone that would listen. In fact, she was calling it out to her friend across the produce department. "The bananas are way overripe!" Well, she got my attention, so I had to take a glance at the bananas. Everything I saw was very yellow, with green still at the top. I don't know WHAT she was looking at. They looked wonderful to me! Now, I'll admit that a lot of times I've seen better produce elsewhere, but tonight everything looked ok.

The second was in the bread aisle. A man & woman were looking at the english muffins and trying to decide. She picked out some whole wheat ones and he said "no thanks, I want the real deal". Huh? White bread is the "real deal"?

Now this really has nothing to do with finances, except that it's interesting to hear what other people take into consideration when shopping.

I wish I'd had a camera phone, because I would have attached a picture of the big rollback sign they had over something in the freezer department. "2 for $5.00 ~ Was $2.50". Hmmmm....you do the math.

And, the last entertainment, was in the pet food department. I was crouched down trying to get a case of canned puppy food without having to pick up individual cans. I had to shift some cans from one box to another. These are the "boxes" that are really just 1-2" tall that keep the cans together, sort of. A lady walked behind me by the fish tanks and announced to me "you have a dead fish in this tank." I guess I looked like I worked there!

AKSaves entry got me thinking about personal grooming and an ad that one radio station is airing now. In the ads, the morning show announcer (a female) is gushing about how laser hair removal can save you so much time, and she is well on her way to becoming "hair-free". The other announcer (a male) teases her sometimes by calling her Hairy. Supposedly, the time savings is from not having to mess with razor or creams or waxing or anything. It also will save you from embarrassment when you are wearing shorts or a skirt and realize you forgot to shave.

I don't know what the laser hair removal treatments cost, but logic tells me they are probably not cheap.

How much time do you really spend shaving that could make it worth it? I don't think I spend more than 15-30 minutes a week. I just grab a razor in the shower and it's done while my hair is conditioning.

Maybe if I lived in a beach area, my answer would be different. Or, if I had some type of hormonal or glandular problem that gave me a female mustache, I would do it. But just for normal, everyday life, I just can't see it.

(As I said this, a vision of a kid I knew in my 20's popped up. It was a guy and he had hair on his nose, dark noticeable hair. He was a nice guy, and I always felt bad for him. I hope he does laser hair removal!)

Our refinancing appliation was turned down by the loan company. "Turned down" sounds a tiny bit better than REJECTED! I'm so bummed. This was a different loan company located out of state that specializes in rural loans. We were hoping we could get it to go thru now, before our mortgage is up for renewal in March 2010.

It would have lowered our payments by close to $300/month. So....if we can afford it now (barely, but we don't tell them that), why wouldn't we be in a better position if we had a lower payment? I know, I know, it's just too risky for them.

I had to send a mountain of paperwork too - 3 years of tax returns and a lengthy application. They said they normally destroy the paperwork, but could send it back if requested. I told them to send it back so I don't have to re-copy everything again for the next place we try.

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Just as I finally get around to making an entry, DH walked in and is looking for dinner. I don't have it ready since he was gone all day and gave me no idea when he'd be back. So, I guess I'll cut this short.

I found a penny today and another one yesterday. Maybe tomorrow will be my lucky day, and I'll find a million dollars somehow! (okay, we don't need that much, but a girl can dream)

It's always nice when grocery store sales & coupons align just right, and it seems like it's been awhile for me since I had a great trip. I've just been picking up a few things here & there, but I don't know that I've been spending less doing it this way or not.

Well, yesterday after work, I bought a back seat full of groceries, stopping at 3 stores (all on my way home).



Total cost: $30.02. Coupon savings: $34.65. Future savings: $14 (with a $4 coupon to use on a future purchase, and a $10 rebate to send away for). I also think something scanned double on my receipt, so I was overcharged about 50c. My picture angle is horrible - those candy bars aren't that HUGE!

Anyhow, that was for:
3 liter diet cola
1 frozen pizza
5 loaves of bread
1 gal bleach
1 gal milk
softsoap body wash...generated the $4 coupon for next time
5 jars peanut butter
4 jars olives
2 cans pineapple...free after coupon!
1 bunch bananas
24 oz cottage cheese
16 oz cheese slices
1 can mushrooms
8 oz shredded cheese
1 lb smoked sausage
Little Debbie brownies...diet, what diet?
2 big candy bars...ditto!
4 packs gum
1 soy candle...free after coupon!
2 lbs. deli roast beef...paid just over $2 after coupons, and it will give me the $10 rebate.

If I hadn't bought the chocolate & gum, I would have been ahead about $3, but sometimes those really are necessities so I have no regrets about wasting $3.

I'm off to the garden to pick green beans soon. I missed the past two days so I may be there awhile! I'll add whatever I get to the pickings from earlier in the week, and freeze a batch today. We don't have all that many plants, but it seems they are producing a lot!

I worked like a dog yesterday. Ok, wait a minute, who came up with that saying? My dog lays around most of the time, sleeping, and that is most definitely NOT what I did!

I got up early and checked on a litter of puppies, noticed one bunch of horses needed water, filled their tank. Decided since I was already there, I might as well feed them. Then, fed another group as well just to get them out of the way for the day. Oops, part of their fence needed fixing. Since I was there anyhow, and had water going, might as well hook up another hose and water out farther. Well, since I was there, I might as well take them some grain. Oh, another group came up out of the field, I'll take them grain as well. Just one pen left, so I fed them. They're near the garden so I checked on the veges.

A quick glance told me I would have to make multiple trips if I gathered up armfuls so I found a box in one of our buildings and picked. An hour later, I carried in a banana box filled with squash, green beans, tomatoes and radishes. It was 9 am. I was starving for breakfast, and so happy to have accomplished all that!!

My plans were to prepare all the bounty for the freezer, do a little zucchini bread baking, get some laundry done, etc. But hubby had different plans. He needed some parts he'd ordered from town, so while he went one direction to get a pickup inspected so we could re-license it (6 months overdue!), I went to pick up the parts...and go to the bank, recycle, gas station, grocery store, and I think somewhere else. These were all not in my plan, but since I was going anyway, might as well.

Rather than keep all the veges, I bagged up two sacks of squash & green beans. One for my hairdresser who mentioned just this week she really liked zucchini bread but messed up the one batch she tried to make, and she didn't have any more zucchini. The second bag went to the man at the parts store. My hubby's family has brought them veges for many, many years, so he thought why not?

While I was making all the rounds, hubby called and said hurry home, we might need you to drive the hay truck. There were 350 square bales of hay to load. I came home, but found no one in the house. Rather than go look for them, I snuck in a quick 10-minute tidying & vacuuming session. I was dreading the hay, not because I would be driving, but because I know better. Hubby is in no physical condition to load the hay, so it would be me & DSS loading while hubby drove. I snuck in a quick trip to check on the puppies again, and cleaned up old hay in the barn where I knew we'd be stacking the new.

And then, we had an unusual stroke of lucky timing. Brother-in-law showed up with his trailer, not a total surprise, but he came at the right time. A cousin called & hubby told him to come on over. (He works for us, and had missed work yesterday, so he was checking to see if we needed him.) And, another guy & girl (late teens/early 20's) that come to clean stalls showed up much earlier than we expected. We were using the tractor they use already, so hubby offered to pay them to help with the hay. The young girl drove, and with 2 guys on the trailer, and the rest on the ground tossing the hay up onto the trailer for stacking, we were able to get thru it all in two trips and three hours. Actually my 2nd trip was different. I forked loose hay from broken bales onto a separate trailer while hubby drove.

The rest of the evening was then filled by a 2nd feeding of some of the horses, checking again on puppies, 2 loads of laundry, watering the garden, burning some trash, a little bit of lawn mowing, vege prep (for freezing this morning and making zucchini bread), and of course dinner.

Somewhere in there I tripped climbing thru a barbed wire fence, and my legs are slashed in about 5 places. That was getting to the burn barrel so I could burn trash.

Today, I am sore all over. Legs, arms, back, you name it. But I have a happy smile on my face that it all went so well yesterday, and that I personally accomplished a TON of stuff!

I'm not quite so ambitious today, as all I've done so far is checked on the puppies, picked a few more veges, and checked in with you guys. But, I'm off to do the freezing & baking now. Horses & lawn mowing will come later, if it doesn't rain. Okay, wait, that didn't come out right. The horses get fed rain or shine. I would also like to organize my desk and figure out which stack of papers is to be filed and which is bills to be paid. That's kind of important, but I don't always prioritize in the right order, so it will probably wait for last.

I just spent the last several days gathering information for a loan application to try to refinance. It's a lot of information to pull together, and it took me several evenings to dig through and find all the paperwork to pull the figures from. Now we just have to sit back and wait. Keep your fingers crossed, please. We really NEED this to go through!

When I went to the post office to mail everything, I pulled out an old, old Priority Mail stamp. I used to buy them 4 or 5 at a time, since I mailed invoices to a client. It was for $3.85 or $3.95, so that probably goes back 3 or 4 years. I tried to lick it and stick it to the envelope and it just fell off! LOL. The clerk glued it on and then added the extra postage needed. I've been waiting a long time to use up that stamp!! I had to dig around my office for about 15 minutes before I remembered where I put it. It was 15 minutes well spent.

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I've found a few coins here & there lately, almost a penny a day. Now if only I weren't wasting several times that amount on snacks, it would be great. If I don't quit that and get my act together, I won't make my weight loss goal in the challenge I entered. Sometimes, it's as if my brain shuts out all the logical thoughts like "is this a need or a want?" and "will this bring you closer to your goals?". I can KNOW I'm sabotaging myself both financially and healthily, and the evil lizajane just wins out.

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I've had several thoughts of things I want to blog about lately, but haven't had time to sit down & do it. It's too late tonight for me to start anything requiring real thoughts. This is just a brain dump of things going on lately, so it requires almost no thought! I also am way behind on updating any of my totals, other than when I find money on the ground.

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Anyone check out the meteor showers the past few nights? I spent about 10 minutes outside around midnight last night and saw 2. I'd like to do it again, but I'm heading to bed instead.

My latest health risk assessment showed that, even though I've lost some weight, my cholesterol is up, triglycerides are up, and blood pressure up slightly. It was suggested that I might try fish oil, I think to bring the triglycerides down. So, I was wondering, does anyone here take fish oil pills?

I looked at 2 different kinds at Walgreens. Nature's Bounty (or maybe it was Nature's Finest) is buy-1-get-1-free this week. I think the smallest bottle was something like 9.99 or 10.99. It would be roughly 400 pills. I don't remember the exact details, but it mentioned they are coated to aid digestion and alleviate "fish burps". Oh, yum. The other kind was just the "W" brand, and with a coupon, it would be about the same price. It didn't say anything about a special coating.

Has anyone tried either of these brands? Any fish-y problems?

I haven't been on here almost all week, and I haven't posted in FOREVER! Hopefully before the weekend is up, I'll have some updates on coupon savings etc for the last month or two. I've been trying to catch things up.

I'm intentionally avoiding posting updates to our debt. It's totally disgusting and depressing. We haven't figured out a real solution to come up with sizable chunks of cash on a regular basis. Ugh! I went for a health risk assessment, and they said my blood pressure was up a little. No wonder!! Stressing over money will do that to you.

Actually, though, when he told me the reading, I thought it was good. 123/70. That used to be ok, but apparently anything over 120 on top is now considered pre-hypertension. oh, swell.

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In cheerier news, I'm down another 1/2 pound. That's not really something worth celebrating by itself, but it puts me down 11.5 pounds, so I'm happy with it. I also found a penny both yesterday and today.

It's supposed to rain here tomorrow. Hopefully after I get done with outdoor chores and running errands, I'll have a chunk of time left to do some organizing. My office is a mess, and I have some things I'd like to list on Ebay or CL.

That's the sound of the quarter and penny I found today dropping into my coin jar. The penny was actually in my driveway and it was barely recognizable as a coin in the gravel. It's all corroded and dirty, but somehow I spotted it.

The quarter was outside in the parking lot of a grocery store. It was raining, and I glanced into one of the parking spots as I walked past. I almost didn't venture off the sidewalk to look further since I thought it was a bottle cap. Glad I looked! The people in the parked on either side were watching me, but I don't care.

I've been dragging lately at work, and my stupid solution is to hit the vending machine for a quick snack. It's so stupid for many reasons. #1. I'm trying to lose weight. #2. I really can't afford to waste the money. #3. I'll scrounge around for coupons and only buy good deals at the grocery store, yet I'll waste 75 cents on a single serving of something? The sensible me just flies out the window, and it doesn't help if I bring healthy snacks from home. I'll have those, but then I'll ALSO have something else. Ugh! Must put a stop to it!!

Maybe my dry spell of not finding much on the ground has ended. I found a dime at a tractor dealer today. (I had just spent 50 cents on M&M's, and we were about to spend $500+ on parts, so it wasn't quite as big a thrill as it should have been.)

I found another dime at Walmart by the register, and it wasn't even at my register. It was a self-checkout one and something made me look back at it as I walked by. Sure enough, it was waiting for me.

The jackpot came at another parts store. I saw a small wad of "paper" and thought to myself that it looked like the big stamp that's on the book of stamps. I know it's not really a big stamp but hopefully you know what I mean - the part they scan. I picked it up and that's what it was with one stamp on it still...until I flipped it over. Holy cow!!! There were all 10 stamps still on the other side!! It was folded so much that I have to guess it was jammed into somebody's wallet or pocket, and fell out when they pulled something else out. It wasn't even near the register, so it wasn't when they went to pay. They are Forever stamps too.

So, 44c x 11 = $4.84
plus 10c
plus 10c = $5.04

Now that's what I call a GOOD day.

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It's sadly overshadowed by the fact that we keep needing parts to repair equipment, and our debt is accumulating. But, I've learned to take the little doses of good luck for the momentary happiness they bring to my day.