About Me

29 yr old female trying to keep it together. I call my financial life a work in progress because though I have always had frugal inclinations I only recently started on an informal financial education with an end goal to make my money work for me! Of course I can be weak. Thai food, traveling, self-justification and laziness eat away at my savings. But I am getting there. I think. I used to be very jealous of the Jones' but now realize that they are broke and stressed so I prefer my own progress and accomplishments. My life may not be flashy but I have seen the consequences of a high-end lifestyle. I count myself lucky to be alive and aware in these economic times because I have learned so much and believe that in the long run I will come out farther ahead from a little suffering now. As long as I am not regressing, then I am pleased.

Fun fact to help navigate my posts: BB = Baseball Boy. My husband.
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2008 Short Term Goals
[x]Eliminate Credit Card debt
[X]Get married and pay off the wedding IN FULL
[X]Travel for 3 weddings and pay for each visit IN FULL
[x]Rescue a dog and pay all costs for him/her IN FULL
______________DONE!!_____________

2009 Short Term Goals
[ ]Save ALL eBay income in 2009
[X]Get a full time job
[X]Begin saving rental income for eventual rental renovation
[X]Buy a house with 20% down
[ ]Build a $4k Emergency Fund
[ ]Save 10k towards a back deck, backyard landscaping, and kitchen redo
[ ]Save $2k toward new car for hubby
[X] Pay $50 month extra on the mortgage

Long term goals *start by 2010*
[ ]Live on one income/bank the other income
[ ]Start an IRA for Baseball boy
[ ] have 1 NSD a week

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My November 2008 Wedding:
Total $23,630...Paid in Full! And had a BLAST!

2009 eBay Challenge $100/month:
$55

2009 Mortgage Challenge $50 extra/month!
So far I have added:
$375.00 extra principle payment!
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Quotes to keep me on track:

"Save FIRST and then spend the leftover, not spend first and save what's left."

"How you spend your money today effects the life you will live tomorrow."

Getting my $11.00

November 17th, 2008 at 06:47 am

I have $11.00 in "cash back points" on my Discover card. The card has $0 balance and cash back points can only be deducted in multiples of twenty. I need to figure out a way to purchase an item- build my points up to 20 and then apply those to the card and pay it off. This way I can get the $11 I 'earned'.

But Discover is tricky- giving you double points on certain purchases and so forth.

I would need to be very careful one purchase at a time then going online to see the new points balance before making another purchase.

I don't want to get into a situation where I need to go through this all again because of an extra few dollars in points left on the card.

I cant believe this is one of the more prevalent topics on my mind right now. I need to get a life.

Posted in a bit about me, myself and more me | 10 Comments »

10 Responses to “Getting my $11.00”

mom-sense Says:
November 17th, 2008 at 06:54 am

What we do for points and dollars?! I need to get a life too! I perseverate about points on my National City card.
clubneary Says:
November 17th, 2008 at 07:37 am

I have like $18.00 in points on my Discover. I am almost done paying it off and hate the idea of purchasing something with it but $18 is $18 and I want it!!!
Koppur Says:
November 17th, 2008 at 07:39 am

LOL Congrats sunshine...you are a true SA blogger now!
Ms. Pearl Says:
November 17th, 2008 at 08:30 am

I love it! I have become obsessed with finding change and running to deposit it at the bank. I fear the tellers think I have descended into madness because I will deposit as little as a dollar into savings!!
Ima saver Says:
November 17th, 2008 at 08:40 am

I get thrilled about getting a $50 check almost every month from my Chase reward card.
ceejay74 Says:
November 17th, 2008 at 09:27 am

Ugh...you reminded me that I have a bit on a Discover card too. At some point I should figure out something to charge and then pay off so I can get it. I hate using credit cards!
M E 2 Says:
November 17th, 2008 at 10:13 am

I too have $ 11 (maybe $12) worth of "rewards" money on my Discover card. However, after the BS they pulled on me, I paid off the card and they can stick the $11 - $12 where the sun don't shine as far as I am concerned! :-/
CouponAddict Says:
November 17th, 2008 at 10:27 am

Dont spend money just to get money. If you have to FIND something to buy; spending $300 to get $20 are you really making any money.

Just let the reward money sit there if possable and the next time you have to use a credit card use the card.

Good Luck.
whitestripe Says:
November 18th, 2008 at 07:47 pm

just buy groceries or fuel with it, and transfer the money over when you get home. that way you're not really spending any extra than you normally would
MileHighGal Says:
November 21st, 2008 at 02:16 pm

Same with my Discover, but I have only about 5 which is probably not worth it, but I still want to get my hands on it. I believe Discover changes their 3% categories every month or so, so if it's gas/groceries/utils one month you can build it up to bump it up to 20. That way you're not spending money to get money.

Gamecock's Mind over Money

Trying to keep life from falling apart, trying to become a person to be proud of.

Getting my $11.00

10 Responses to “Getting my $11.00”

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