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Monsters University

July 7th, 2013 at 09:56 pm

We went to see this movie today. Now we rarely go out to movies. We saw Wreck it Ralph at Downtown Disney, but that was a special Disney blog promotion and free to us. But before that, I think the last movie we paid to see was Toy Story 3, so that tells you how often we go.

We saw the matinee, which was $7.75, $2 cheaper than the regular showing. And we didn't choose 3D which would have been an additional $2 charge. But yes we did get popcorn and soda.

So not a frugal afternoon, but it was fun, and it was a great movie.

Intro (again) & NSD

July 1st, 2013 at 09:23 pm

I've been lurking way too long. I love reading the posts, it inspires me, but I guess not enough to post myself. I am a homeschooling mom of a 8th and 10th grader, we live in central Florida (moved here 2 years ago from Wisconsin)and hubby works from home full time (brought his job with him when we moved).

Today is a NSD, but I did finalize what I need to purchase for curriculum for next year. Its going to be close to $700 but what can you do? We took our children out of public school because, well frankly they stink. Certainly was a shock because the schools in Wisconsin are great but here, not so much.

Need to sit down and figure out the budget for the rest of the summer.

Free Kindle book

January 28th, 2013 at 01:51 pm


The title is: How To Manage Your Money When You Don't Have Any by Erik Wecks I have not read it, so I can't say if its good or bad, but thought I'd post the link here.

School Expenses

August 23rd, 2012 at 08:00 pm

My daughter started high school this week, and of course there were fees that went along with it. Thought I'd post them here.

$30 Ipad rental fee
$5 Freshman class fee
$20 Science lab fee
$39 Chorus fee (dress rental, necklace & ipad app)

So far that's it. She needed 3 notebooks and 2 binders, but I had those in my school supply stash. I will need to buy her a new pair of dress shoes for chorus recitals, and then the yearbook is $55.

airline tickets

May 27th, 2012 at 07:41 pm

We need to order airline tickets to travel back to Wisconsin for our son's wedding next month. It's been sort of touch and go as to whether we'd able to afford the trip, which is why they haven't been ordered yet.

I am just wondering if anyone out there knows of a site to buy cheaper tickets? We know about kayak.com, expedia, travelocity, etc. we've checked BJs but it wasn't cheaper through them.

Any other ideas?

Daily Expenses Challenge- Day 1-4

April 4th, 2012 at 09:13 am

April 1:

$28.86: pants for hubby for business trip
$58.99: Walmart

April 2:

$10.52: Hubby's meal in Wisconsin. Will be reimbursed through work

April 3:

$28.24 groceries
$23.60 gas (not a full tank)
$70.74 cc payment
$10 sunpass (prepaid tolls)

April 4:

$25 dr co-pay

10 cents at a time

April 2nd, 2012 at 07:23 pm

One of the survey sites I do surveys through is JD Power, and they give you 10 cents if you start a survey but don't qualify for it. While I'm appreciate of the ten cents (I know they don't have to give me anything), it does get a little frustrating after awhile when you only earn ten cents here and ten cents there. So far I've earned $19.45: $5 of it was just for joining. I've qualified for 6 surveys (out of 50) so not a great average. I need to make it to $25 before I can redeem. I am wanting to earn enough Amazon gc to buy a Kindle but obviously its not all going to happen on this site.

My goal is to get the Kindle completely free. My credit isn't good enough to qualify for the rewards credit cards that Chase offers so I need to do it through survey sites. I don't want to spend money on it, because I don't know how often I'd use it. I am more of a book person, as in holding the actual book and turning the pages. But I can see the advantages of the Kindle. We'll see how long this takes!

ING Direct

March 9th, 2012 at 08:40 pm

Who has experience with them? I am thinking of opening an online savings account, but they require you to link your checking account, and I'm just a little nervous doing that.

Bank Deleted My Account

January 25th, 2012 at 08:25 pm

Without warning. I logged on online as I always do, and one of my checking accounts is missing. Now I'm not too concerned, because we had no money in it. We opened it in September, and we had until November to set up the direct deposit. Which we haven't done yet for various reasons, so there was a negative balance of -23 in there due to monthly service fees. We hadn't used it in a couple of months. I guess I'm more upset they closed it without warning, because what if I had set up direct deposit in there? I'm going to wait until tomorrow to see if it's still missing then deal with it.

Yesterday NSD Today Disney

January 20th, 2012 at 07:15 am

But it really isn't as bad as it sounds. We live close to Walt Disney World, have annual passes, and when we go rarely buy food and drink. We are able to bring in our own snacks and beverages, and time it so we leave after lunch and then plan on eating a late dinner. It works out well.

I don't think today will be a NSD, because we need groceries, but that should be the only output of money. Oh, and gas in the car.

Trying This Again

January 18th, 2012 at 07:00 pm

I have good intentions of blogging but then I never seem to do it. I love reading other posts, because they really do inspire me, but it never seems to go much farther than that. I have the "spirit is willing but the flesh is weak" type of thing going on.

So I will start by confessing that I do not have a written budget, I do not have an EF, and I am probably one step away from disaster. But still life goes on.

My goal for this year is to pay off my credit card bills and set up an EF. But yeah, I have no game plan as to how to reach this goal. So I figure the best place to start is by blogging here.

Ideas Needed to Build EF

September 23rd, 2011 at 07:41 am

Hello all. I don't think I've blogged since before we moved to Florida. We arrived safe and sound, but the car we put so much money into before we left finally died on Sunday, so now we have a car payment. *Dislike* but what can you do? A car is a necessity here.

Because of the move, our savings account was pretty much depleted, and we need to build it up again.

I am looking for ways to build up the EF. I am available during the hours when my kids are in school, but need to home when they come because my son has autism and needs me here. Babysitting is out because my husband works from home full-time and he can't have kid noises in the background.

I've considered freelance writing work. I'm a good writer, but I have absolutely no experience in it nor a degree in journalism or English, so I'm not even sure if I could get a gig doing that.

So I am looking for ideas, good survey sites you use, etc. We've pretty much sold everything we could on Craigslist before we moved here so that's not an option. I've looked for a part time job in the area but no one is hiring. I've looked into working for Disney, but you need full availability 2-3 days a week, and with us only having one car, and living 50 min away from WDW, it wouldn't work out for taking the kids to and picking up from school. And we can't afford the expense of 2 cars right now.

I'd really like to pursue the freelance writing thing; I get job postings for different assignments on Facebook, but I'm not sure what the best route to take would be for that.

3 days 17 hours to go

July 18th, 2011 at 09:50 pm

I notice my 2-yr blog-o-versary was July 15, and once again I've missed it :-) We are moving to Florida this Friday; it's hard to believe it's finally here. We've got some big expenses coming up, and really I'll be glad when this move is all over with and we can get back to normal. Our new normal :-)

We've been able to get rid of at least 60% of our belongings. You wouldn't be able to tell that from the pile of boxes in my house, but I shudder to think how many boxes there would be if we had kept it all. We will be paying $3400 to move from Wisconsin to Florida, but we will get a refund if our weight is below what was calculated, so I'm really hoping that's the case.

We've lost a lot of money in car repairs--well I shouldn't say "lost" but you know what I mean. We brought the car in last month expecting to pay around $300-$400 and spent $900. Then a couple of weeks ago we had to bring it in again and spent another $450. I'm thankful we had the money, but it was money that was earmarked for furniture, so I'm afraid we won't be able to replace a lot at first. I'm not even sure mattresses for the kids will happen at this point for a couple of weeks. They may have to get used to their airbeds for a while :-)

We estimate our expenses will be a lot lower in Florida than in Wisconsin. We currently pay $130 per month for water. In Florida, it will be $20/month. Our electric/gas bill here averages between $250-$350, depending on how hot or cold it is. In Florida it will be about $120 a month for electric, and no gas bill. Even cable/internet is $45 cheaper, and of course no state income tax.

I was a little annoyed tonight, because we did our change of address for the post office, and it gave us a coupon for one month free plus free installation of cable/internet, but you have to mention the coupon when scheduling the installation, and its not valid on prior scheduled installations. :-( Hubby is going to try and call and see if we can get the coupon applied, but chances are they won't budge. If it were me, I'd just cancel and wait, because the coupon is good until the end of September, but he needs internet for his job, and we can't chance that it won't be installed in time. Lesson here: if you're moving, do not set up your cable/internet until you've done the change of address with the post office. Chances are you'll get a coupon. :-)

One of the things I'd like to do once we move is work for Walt Disney World. Part of me wants to apply now, but we'll be living about 20 miles away, and I have to make sure that it wouldn't conflict with school schedules, and I don't want the pressure of having to unpack boxes and work right away. We only have 1 car, so it makes it a little tricky. And I don't want to take on another car payment just yet. I'm enjoying being car payment free at the moment!

We're mostly packed; right now I'm working on the cleaning. I like to leave it in roughly the same condition as it was when we left it, and in this case maybe even a little better because the old renters did not do a very thorough job of cleaning it. I'm hoping to get our security deposit back on Friday; it's what he's done in the past, but the lease does say it will get mailed. But it said that before and he gave it to us right away. So we shall see, I guess!

Thanks for reading--I do plan on being more active once we're settled. I probably will pop on before we leave and let you know how much was in our piggy bank. I've been selling stuff on Craigslist ever since January, and all that money plus any change we've had has gone into our piggy bank, and I'm really curious to see how much is in there. We've only had to dip into once when we needed cash, and that was only for $10.

Car repairs stink.

June 16th, 2011 at 08:27 pm

We took our car in to the shop today to get it ready for the drive down to Florida. $675 it will cost tomorrow. :-( The big expense is the rear struts which need to be replaced, the other issues were minor. It's about $300 more than I wanted to pay, but what can you do? It needs to be done.

I just packed all the china today, and I also talked with the middle school regarding my son's IEP, so it all sounds good. Honestly I will just be happy when the moving truck is gone and we are just driving down the highway towards Florida. I'm tired of packing boxes, and tired of the stress of the move in general. 35 days to go, which is not long, but still seems like forever at this point in the game.

48 days

June 3rd, 2011 at 10:48 pm

Until we move from Wisconsin to Florida! Yeesh! I'm excited but I am so tired of living among boxes and packing boxes and dropping stuff off at Goodwill and listing on Craigslist and Freecycle only to have no shows all the time ....etc :-(

We've been doing this since January, and while it is nice to have time to sort through all our junk, it really is a long haul. I will be glad for when it's over.

We've had some unexpected expenses pop up (always, right?), mostly medical. Right now I am soaking my foot because I had an ingrown toenail removed today. Minor surgical procedure, which I don't even want to know how much will cost. And I know we will need to bring in our car in to be serviced before we leave. We've already put $600 worth of repairs in March, and I know we'll at least need to get the exhaust looked at as it's sounding a little loud lately. But the car is paid for, no more loan payments! yay! so even though its a '98 it's still running well and worth it to put money into it. We've been a one car family for about a month now, and its really working out well.

Hope you all have a nice weekend Smile