Friday, May 30, 2008
Thursday, May 29, 2008
Wednesday, May 28, 2008
77.15 - Sold textbook on Half.com
335.00 - Sold Braille machine on Ebay
11.50 - rolled change from change jar
57.83 - refund from Unclaimed money
800.00 - sold comic book collection
10.67 - reimbursement check
$1292.15 - sent to savings
I decided instead of paying off the orthodontist I would slate most of May's snowflake money to savings and pay only a little to the orthodontist. But all in all a good month for snowflakes.
Tuesday, May 27, 2008
Jump on over to Consumerism Commentary for the 141st edition of the Carnival of Debt Reduction! This carnival is a traveling showcase of the best articles about the process of eliminating debt.
The theme for this week is “Enemies of Doctor Who.” The concept of debt would certainly be an enemy worth the Doctor’s attention, if he had any money.
Thank you to Consumerism Commentary for including my article Free Cash for Snowflaking – Snowflake Report – $57.83
If this is your first time here welcome and please take a look around. There are many articles to help you with debt reduction and saving.
Thanks for stopping by!
If this is your first time at Debt Non Sequitur please take a look around! There are many ideas to help you save money and we hope to see you again sometime!
Sunday, May 25, 2008
Since we have to eat while we are here each family picks a night that they are responsible for. Whatever night they pick out, they make dinner for the entire crew, including dessert, and clean up. They are also responsible to bring a game for the grownups to play. This still is not expensive because you can purchase all the ingredients at home and bring them with you to the beach house to assemble. For example we have the first night and we decided to do a pizza bar. We will make several pizza doughs here at the house and bring them to the beach house. The kids will all have mini-pizzas and we will make five larges for the adults. The toppings will already be cut and separated out into Ziplocs that we can take there and when we get ready to cook the kids can all make their own pizzas. I will make the pizza sauce ahead of time at home and bring it as well. Our dessert will be a sundae bar. Again same concept - lots of choices to build your own sundae. I purchased many of the toppings very inexpensively over the last few months when I saw them on clearance or had triple coupons at Harris Teeter. Again this will not be a huge expense and the rest of the nights we can sit back because other families will be cooking and cleaning up! We always take the first day because we want to get it over with and relax for the rest of the week.
We usually do not spend any money when we go on this trip. The kids basically play in the pool, eat, go to the beach, eat, play in the pool, eat, go to the beach, eat, etc. We really do not go anywhere or do anything special just let the kids have fun. Occasionally we will take them to an ice cream shop on the corner or some of the moms will go to the outlet stores but generally we just hang out since everyone lives in different places. It is a time for us to spend together. But the house is big enough that if you do need a break from your in-laws you can hide in your bedroom.
Since I have an ING account (email me for a referral) I create subaccounts that I can automatically deposit money into for different things. One of the subaccounts is labeled vacation and months ago I started deposited a bit each payday so now I have several hundred dollars in there in case I need it. No worrying about if we have enough money in the account to cover the trip or having to take money out of savings if there isn't a surplus in the checking account. We have been saving for this already. Since ING automatically debits this out for me I don't really even realize it is there until I need it. We have another trip scheduled later in the summer and this money will be used for that.
Saturday, May 24, 2008
Friday, May 23, 2008
Thursday, May 22, 2008
Tuesday, May 20, 2008
Sunday, May 18, 2008
Everytime I go into a store I always have coupons. To make sure that I know what I need to get and to keep the coupons handy I use envelopes. For example, once I have compiled a list of the items I want at a particular store - let's use Target, I will write the items down on the outside of the envelope. I will write the item, the sale price and then in parenthesis what coupon I have for said item. So it might look like this:
Olay Body wash - 3.99- 2.00 (MC) - 1.00 (TC)
I know what item I am looking for, the sale price, that I have a manufacturer's coupon (MC) and a Target coupon (TC) which I can piggyback onto the MC. The coupons are then put into the envelope. I take only this envelope into Target and I only buy only what is on this list. I use this method for grocery stores as well as places like Walgreen's and Rite Aid.
As a side note, recycle the envelopes that you receive in your junk mail. You know the ones you get with credit cards offers that are postage prepaid, etc? Just flip them inside out and glue back together and you have some envelopes - FREE. No need to go out and purchase a box of envelopes if you don't have to. Creative thinking leads to savings.
This method prevents you from needless spending as long as you do not deviate from your list.
Friday, May 16, 2008
My daughter turned nine recently and we needed to throw a party. I am not going to spend a million dollars on a birthday but there are some creative things that you can do to make it unbelievably memorable. Since we had to host 14 little girls and my daughter wanted a spa theme we came up with the idea to do stations where they could get nails done or their feet massaged or a crazy hair up-do, etc.
I enlisted the moms to man the stations - FREE - each mom had a station that she "worked" at and provided a service such as nails, hair, make-up, etc. For the nail station we all brought nail polish so the girls had many colors to choose from (FREE) We already had cuticle trimmers, nail files, lotion for hands, so I only had to buy jewels to glue onto the nail polish - $.49.
- I made goodybags - I used scrapbook paper 4/$1 from Michael's Arts & Crafts and some hot pink boas to make paper cones rimmed with feathers for the goodies bags. They look like hats in the pictures but since it was a spa party we had no need for hats.
The Sign on her chair - cardboard cut to size, fancy font printed on paper and cut out, lined with feather boa.
The Goody Table - tree with pink booms from the side yard, glass bowls from the kitchen to put goodies in, glass container from bathroom - all free. Tulle - $1/yard at Walmart. White sheet to cover the table. Goodies from Dollar Store - for example pink emery boards were a pack of 8 for $1.00.
Food - I made the cupcakes and searched around for any type of bulk candy that was pink. Pretzels covered in chocolate with pink sprinkles, etc. Anything to match the theme. Glass jars on table to store candy I borrowed from friends. I raided four houses.
Having a party doesn't need to be expensive. Come up with creative, inexpensive ideas and it looks like you paid a million dollars for it. Onward snowflaking!
Thursday, May 15, 2008
When I decided that I was going to organize my day in one spot and not sticky notes all over the house I did not run out and buy a Day Timer. I posted on Freecycle that I needed one and lo and behold, the same day I got two replies for people wanting me to pick theirs up to get it out of their hair. I picked it up, stopped off at Target to get some new filler pages and priced the DayTimers there ($12.99 - $24.99) and was proud of myself for saving money.
If you glean anything from this blog know that financial security is really all about preparation and creativity. Try to seek out solutions in a creative manner.
Part of being in debt in the first place is lack of discipline - when you need something you run to the store to buy it. Then it ends up in your yard sale three years later selling for a fraction of what you paid. And don't forget you are still paying for it on your Visa, with interest.
Be in control. When you need something look around first. You might be surprised that you can acquire the item easily and for free.
Back to the Day Timer. I really did not think I was one of those people who could use one of those things and be happy about it. I can imagine that many buy these things with good intentions and then it ends up under some books somewhere never to be used after a month. I was concerned about my being able to write things down in it in a disciplined manner. I have to say after using one for a month that I love this method of controlling my madness. Before I had little post-its everywhere. Now everything is in one spot all nice and neat. The Day Timer sits on my desk and is always open so I can see at a moment's glace what needs to be done and what has been done. I list anything from appointments to what room of the house needs to be cleaned to phone calls that I need to make. After I have finished a task I cross through it with a highlighter. I use highlighters instead of marking through an item so I can still read what the item was and it is easy from afar to see what has been crossed off and what hasn't been. I am not one of those people who cannot rest if there are things left on the list for the day. I merely work on it the following day so I can cross it off. The rule is that is has to be done by the weekend so everything will be highlighted by Saturday. It is wonderful seeing how much I have accomplished. Before all the little lists were thrown away after I finished with them. There wasn't really a sense completion, that I worked hard all week to get a lot done. I knew I had done things through the week but I couldn't tell you everything.
There is something very satisfying and soul satisfying to see your work and what you have accomplished. I love the Day Timer.