Saturday, July 18, 2009
July Update 2
Keep track of grocery bills - Doing -Still going strong!
Write 20 articles - Need to get Cracking -2 done
Apply for and FOLLOW up with 15 jobs - DITTO - NEED TO GET MOVING!!!
Earn at least $50.00 extra a month. ( working extra, selling stuff etc) - DONE!!! $85.50 new total 167.50
Teach the KID - 3 meals - HA! - YEAH THAT AGAIN
Organize my boxes downstairs - DONE!!!
I want to get all these goals done in July.
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Hoping Hoping for a Sale
It is amazing to me that I can be so close to paying off this bill. I love the fact that it is getting taken care of. Does not matter how slow, all that matters to me is I set my mind to it and I am almost there.
I am going to work on getting B's football cleats out on craigs and sales and barter. I figure I can get a good $15-$20 for them. He won't be wearing them and they are in AWESOME shape so let me save someone some money and let me make a few bucks in the process.
Off to clean them up take a few pictures and list away.
Friday, July 17, 2009
Here is what I ended up with at WAG
Thursday, July 16, 2009
I need $122.00 by Aug. 31
I have stuff to sell and writing more so I can get the 122.00. I really want to make my goal of paying off the dentist by Aug. 31. It is doable with a little effort and hard work.
So time to brainstorm. Have some things listed to sell and once those are sold all money goes to the Dentist. Then I will go on to hit the next 2 more bills on the list.
Tracking Savings
So keep an eye on the side bar.
Free Walmart Samples
VIVA papertowel
Nivea body wash for men
Sun Crystal - natural sugar
Goodnites - by Huggies
Not free but a good coupon for Quiznos
5 off 25 at Walgreens
I need tampons, almonds, deoderant and some other things. Plus I have some awesome coupons to go with the 5 off 25. So I will be doing a little shopping today at work.
Here is my deal:
4 packs of tampons $20.40
2 cans almonds $3.13 for both
2 boxes of Honey Nut Cherrios -$3.38 for both
Lorel Face wash - $5.10
Deoderant - $2.12
Have man. coupons totaling = $5.00
Total after coupons and $5.00 off = $24.13 -- will get back 6.00 in RR
17.13 is my final cost.
Remember I also get at 15% discount for working at WAG!
Wednesday, July 15, 2009
Pay Day Again!
Have a money order for the dentist. WOO HOO my bill is now $213.00. Hoping to write enought to make $14.00 to get it under $200 by next payday. That would only leave me with 4 payments. I am still going to try to get it paid off by the end of Aug.
Purchased a bus pass for next week and some bus tickets. I give the tickets to the kid if we both have to be gone. It is cheaper than giving him cash each time. I actually save 40 cents per trip this way. I do try and give him my pass whenever possible.
Mailed in those student loan papers. So that should be taken care of soon.
Just have to pay rent from this check: $20 since I borrowed my mom almost $80 in the last 2 weeks. So she took that off the rent I owe her.
Monday, July 13, 2009
Student Loan Debt - My reasons why
I went back to school at 26 years old. I had a 3 year old and an ex husband. Who we can all call DEADBEAT! He did not pay any child support for years...oh wait he barely pays now. So I had to borrow money for school, living and for daycare. Even though I was on welfare collecting $440.00 a month, had cheap rent $49.00 a month. I still had to pay for everything else. See when I was in school ( a 4 year school) Good old Tommy Thompson who at the time was the Gov. of Wisconsin changed our welfare program to W2. Which meant once your child was 6 weeks old you had to work or go to school. The catch was you could not go to a 4 year school. You were only allowed to go to a 2 year school. They would not help me with food, medical (well the kid got medical) nor daycare. So I was a single parent who had to pay for it all by herself. So I did take extra money to cover things that I could not cover with $440 a month. I did for awhile work a few days a week too, but did not make much. I did not and still do not own a car, nor did I live in expensive housing.
However had I been taught better or learned on my own the frugal lifestyle I may not owe as much as I do now. I grew up not understanding that you can shop at Target and Walmart for things cheaper. I never really knew how well you can use coupons to save money. Hanging laundry...that was not even talked about in my house. Not that I blame anyone but I think had I been taught more, even knew what frugal meant the loan might not be so big.
Crockpot Chicken
Found the recipe and a lot more at 365 Days of Crockpot Cooking It is a great blog for lots of different crockpot recipes. Gets you out of the rut of cooking the same old things every day.
Student Loan Debt
IBR Income Based Repayment Plan.
I just printed out the paperwork to send in. Even though my payments will be $0. I will not have any more interested added to my loan. The government pays the interest for the first 3 years you are on the program. As soon as I can get some other bills paid, I am going to start paying on this loan. But in 25 years whatever is left will be wiped out. I will be 67 then and hope I am still living but hey I really want to start making some headway on this giant amount.
Sunday, July 12, 2009

These babies can cost a small fortune. If you print a lot they cost a bigger fortune. $21.99 is roughly what I would pay for a brand new cartridge. By going to Walgreens and doing the ink refill ($12.99) I save a ton. I paid $8.44 for a refill. I had a $3.00 off coupon and then my discount.
On the box with my refilled cartridge was a 50% off coupon. So next time it will cost me $5.20 for a refill. Hard to beat that deal.
If you have not tried Walgreen refill give it a chance. You can get your money back if you take it home and it does not work for you.
Friday, July 10, 2009
Scallop Potatoes and Ham - Crockpot style
add onion
Saving Money - a Penny at a Time
In these trying times are you able to get money saved? How do you do it?
Thursday, July 09, 2009
Grocery Spending Update
New total: 116.16 For July! $33.84 left for the month of July. With 22 days to go. I think I can do this.
The 2.00 my friend pays me will go in my change jar.
Tortillas
2 doughnuts
3 velvetta cheese cups - had coupon buy 2 get 1
2 packs String cheese
Sour cream
bagels
guacamole
taco seasoning
today is taco day. I had the ground beef and some onion. So I cooked up the meat, shredded the lettuce, and we had cheese and a tomato. I did me a little guamole for them (38 cents worth). Now B has dinner or lunch (heck he has food) and I have some to take to work for me.
Tuesday, July 07, 2009
Our Cat is a nut!
At night when she is hungry and we are sleeping..meaning 2 AM she hits the garbage can. Well so we thought. Tonight she must of forgotten I was in the room. She actually takes her paw and pushes on the foot pedal to make the lid go up and down. She does this over and over until you either feed her or put the garbage can out in the hallway.
Review of July Goals
Keep track of grocery bills - Doing
Write 20 articles - Need to get Cracking
Apply for and FOLLOW up with 15 jobs - DITTO
Earn at least $50.00 extra a month. ( working extra, selling stuff etc) - DONE!!! $85.50
Teach the KID - 3 meals - HA!
Organize my boxes downstairs - HA mom will kill me if not done
I want to get all these goals done in July.
Grocery Spending for July
Feeding:
18 year old Son
41 year old Mom
Walmart: 27.81
Bunzels: 26.25 (all meat)
Pick N Save: 42.94
Pick N Save: 8.00
Total: 105.00
I would like to keep my monthly spending at 150.00 or less. 3 1/2 weeks to go.
Food Stamps
Here is my article on saving money when shopping with Food Stamps. Here
That will be a huge help in feeding him every month. To many that does not seem like a lot of money but for us Frugal People we can easily figure out how to make the most of that $79.00. And believe me it won't be with packaged, process foods at all.
One thing I am really working on is using up all the food I have here and not throwing out food at all. We also don't go out to eat so that is a huge savings.
Monday, July 06, 2009
Grocery Spending update Tuesday
Cooking in the Summer
Tonight for dinner I made Mock Chicken Legs and Potatoes. I did this without heating up the kitchen. I baked the mock chicken legs in the Toaster Oven and the potatoes steamed in a special microwave bag.
Having a toaster oven, microwave and crockpot all keep me cooking all summer long. This keeps us from running to McDonalds or the place across the street.
How to you keep your cooking area cool in the summer?
Wanna win some ICE CREAM
Just refresh the page and keep refreshing.
Wanna win some ice cream from Starbucks??? Come on now....I need a few addicts like myself.
Go here at the top of the hour and you could win. Just remember to send the coupon to yourself -- unless you wanna really send it to a friend--- THEN PICK ME!!!
You need to log into facebook to play!
From July 6 to July 19, participants can visit Apps.facebook.com/starbucksicecream. At the top of every hour, they will have a chance to give a pint of Starbucks ice cream to a friend or family member. Each hour, 800 pints will be given away, with a total of 280,000 for the duration of the promotion. While the promotion encourages participants to send the treat to friends, less generous users also have the option of simply sending the coupon to themselves.Ice Cream Coupons to Print!
Ice Cream Coupon
Sunday, July 05, 2009
Ice Cream deal at Walgreens!!!
So I got 2 of these for 2.79! It is awesome and I got to of them for about $1.40 each.
Happy 4th of July!
The kid and my friend watching the fireworks. All in all it was a blast and cheap! I spent 13.00 on food and bus fare -- Not bad. I hope yours was too!
Friday, July 03, 2009
One goal almost completed for July
Since I had to do this today:
My cute little pick phone. Since my old one was having issues. I needed a new one. It was one of the cheaper ones out there. Also they told me I am able to upgrade my service if I sign another 2 years. Which is only one since I already have a year on my contract.
New contract would be:
1000 NATIONAL min.
Free nights and weekends
Free mobile to mobile (which is a 6.00 a month charge on the plan I have now)
For $49.99
Contract I have:
1000 min. widearea (which means I roam when out of town sometimes)
Free nights and weekend
$49.99
Same price for new plan. Getting free a $6.00 a month service. Also if I go out of town (where is my broke ass going) I would not have to worry about roaming.
Have not decided what I am going to do yet, but thinking of moving. I like US Cellular and do not plan on leaving in a year.
Thursday, July 02, 2009
Birthday Freebies
So I found her some freebies to celebrate her day.
She got a free drink from Caribou Coffee. Any size Any drink
She got a free Single Scoop Sundae from Culver's.
I bought her dinner and gave her a giftcard for the movies. So she can go visit Johnny Depp!!
I think she had a great birthday. I know for everything she has done for me she deserves one.
Wednesday, July 01, 2009
July Goals
- Keep track of grocery bills
- Write 20 articles
- Apply for and FOLLOW up with 15 jobs
- Earn at least $50.00 extra a month. ( working extra, selling stuff etc)
- Teach the KID - 3 meals
- Organize my boxes downstairs
I want to get all these goals done in July.
Happy Canada Day
Mason Safe Jars
Mason Safe Jars
Tuesday, June 30, 2009
Freebie Tuesday
Overnite Kotex
Carefree
Stayfree
Tide
There you go! I will be back next Tuesday for more. I personally love free samples.
Monday, June 29, 2009
Another Article Published
Here is the new article. It is on my other blog. Explaining where I get most of my coupons.
Free Deoderant at Walgreens
Dry Idea - on sale for $2.99 - print $2.00 off coupon here
Total: 99 cents and you get a $2.00 register rewards. Great Deal!!
I found this at Money Savings Mom
This is a great blog!!
Boy of Boy!
Today:
Ran to wash clothes - 1.75 for the washer and 25 cents for the dryer. It was really 75 cents, but I noticed a washer kept saying 1.50 so I pushed the coin return and it gave me 50 cents. So I put that in the dryer with my quarter. Had a few things that I did not dry or did not dry 100% in the dryer so those are hanging on the porch. I still LOVE those racks I got 3 years ago. I walked to and from the laundromat so that saved $2.00.
Going to meet someone at the storage to take the matress. So it will be empty today and $100.00 in my wallet starting in July! WOO HOO!! CHA CHING!
Low on food but have enough to get me till Wednesday. Have chicken thawing for Tuesday and made spaghetti yesterday. Plus we have chicken nuggets, cereal (no milk) and some other things.
Wednesday is payday I have:
5.00 in wallet
Change in wallet - almost 2.00
48 cents on paypal card
.01 on Child support card.
.13 in saving account.
$7.62 to my name till Wed. morning
I can make it today and tomorrow on that easy! I was going to take a small loan from the Payday Place but we are good.
Will take food and water bottle to work. Boy that waterbottle is getting a work out. I have so saved the $4.00 I spent on it.
Have to rework the budget now that the kid is home. But hey I am glad he is here even if he has the I am almost 18 tude and eating me out of house and home.
Check out this blog.
Broke and Not so Fabulous
Saturday, June 27, 2009
Tomorrow is moving day
I only managed to sell the bed for $60 instead all of the stuff the woman was going to buy. She totally backed out at the last minute. I was tired of dealing with her dumb ass so I said fine. I ended up throwing the chair up on Craigslist for Free. I have 2 people who want it. One is coming tomorrow, if not then the other gets it.
Today was a busy day:
Move some boxes
Ran to Target - got cheese, bread, chicken nuggests - had my $10.00 giftcard cost me 18 cents
Made dinner
Did dishes
watched Farrah special with mom
Showered got clothes out for tomorrow
Now here and soon bed. Have to work in morning and then move my stuff. I actually love going to work..it is my relaxation time. This week has been crazy.
Friday, June 26, 2009
SummerFest Pictures
Here is some of the food they offered! For 75 cents I had to try the licorice covered in Chocolate!! So worth it!! YUMMERS as Rachel Ray would say.
Turkey Leg the Kid had. Boy was it good!
Very fun day! Boy was I beat when I got home. I have more pictures but have to get those from work!
Now back to the frugal grind!
Thursday, June 25, 2009
Free Makeup
Well my girl Julie -- shared a lot of her stuff with me. So I got 3 new lipsticks (one I gave to mom - not my shade), shampoo, lotion and some other stuff.
So COOL!! I adore Juliebeans (as I love to call her)
Okay off to bed - Gotta sleep before THE GIG (see other post)
A few more hours till SUMMERFEST!
Admission is steep $8.00 during the day $15.00 nights and weekends. But being the frugal girl that I am....we are going June 25 when it is free to get in with 3 cans of food. So I will be bring somethings that won't get eaten here. So I can help my community and party like a rock star!
Okay so maybe not so much the party part. But I am bring food and yes I am bring more than 3 foods.
I have saved $20.00 for this. Bringing a waterbottle (which is freezing right now) and plan on drinking water most of the day. Hey it is going to be in the high 80's! And these last few days it has been in the 90's or more. So bring on the water. It is 1 am and it is 81 degrees out. I LOVE SUMMER! Yesterday it was 93 out...AGAIN I LOVE SUMMER! Later today it is suppose to be 87 degrees...I LOVE SUMMER!!!
I am bringing the camera so I can share with you why I LOVE SUMMER and THE BIG GIG!!
Okay I am sure you are tired of me rambling on about this.
Wednesday, June 24, 2009
My Points is Quick
Tuesday, June 23, 2009
$25.00 Target Giftcard Spent
So I ran over to Target:
2 Ego Bake shops - 50 cents each (had coupons for 1.00 off)
Cheez its
Small Watermelon
Crystal light - 1.99 each (had coupons for 1.00 off)
Ham
Swiss cheese
Pair of shorts for kid (clearance)
Total after coupons was 27.93 (so only 2.93 out of pocket)
Had $4.00 in coupons.
Coupons are really saving me these last few days. Now I need to organize them.
Monday, June 22, 2009
Walgreens
So I stopped and got him:
Deoderant 2.99 ( got a 2.00 regsister rewards coupon)
Then I got:
Dial bodywash 2.99 on sale (had 1.00 off coupon)
toothbrush 2.50
Used the 2.00 register
$2.49 out of pocket.
Free Movie From Redbox
RBXTHXU6
So go and get a movie - kick back and relax! I will be using it when I return the one from yesterday.
Sunday, June 21, 2009
Frugal Free Treat
I rented He's Just Not That Into You.
It was a free Redbox rental with one of my codes. I will make sure to return it tomorrow on my way Downtown.
Shopping at Work
First purchase:
Aqua Fresh Toothpaste - 3.00 and then you get a 3.00 register rewards - so Free
Newspaper - 2.00
Coupons:
2.00 register rewards
75 cents Toothpaste
Out of pocket -1.04
Then:
2 rolls of Big Roll - 2/$1.00 (this was my filler)
Hair Clips 1.50 on clearance (another filler)
Poise liners - 6.49
SH nail polish - 5.29
SH cuticle fixer - 6.49
Coupons:
Buy SH nail polish get Cuticle fixer free up to 4.22 off.
Poise pads free up to 4.00 off
Rewards Coupon - 5.00
Rewards Coupon - 3.00 (the one from the toothpaste)
After my coupons and discount - 1.94 out of pocket.
I do believe I have another coupon for free nailpolish too.
Saturday, June 20, 2009
Picking up extra hours
Not only does this bring in a little extra money but it also boosts my average hours. So if I end up having my surgery at the end of the year. I will be able to go on Disability and get paid for the 4 to 8 weeks I will be off. Which is very important.
So every time a store asks me to work, I do it. In fact by working all the extra hours Nov.- Jan. boosted my average that I was able to get my insurance. Which I so desperatly needed.
Friday, June 19, 2009
New blog!
Thoughts written by me!
The Dentist may be paid off July 1 or 2.
Here is a breakdown of what money I have on hand.
$17.00 paypal
$35.00 selling other items
Money coming in:
$80.00 furniture sale
$30.00 another sale
$97.00 storage payment (from paycheck)
Grand total: $259.00
I owe the dentist $264.00. I would still need to earn $4.00.
So if everything comes through I will be making the last payment on either July 1 or July 2. Then I will be moving to the next bill.


