Tuesday, January 14, 2020

Transfer Tuesday and Paying Off Debt 1/14/2020





Transfer Tuesday is here and it is time to move money to pay down debt!

The final tally on the water pump replacement on the truck was $1400.00 and that was covered by eBay funds.  Now we have to put money away for his brakes which are evidently just as expensive.  Sheesh!

I did not have any credit card rewards to send over to the HELOC this week, mostly because I have been paying cash for just about everything.  Woo Hoo!  Since I have been paying cash for groceries (pulling out $220.00 every two weeks for groceries) my grocery shopping has definitely been more focused and with intent to stay under budget.   Amazing how that works.  I ended up with $4.00 leftover and just rolled it over to the next two weeks.

To be true to transfer Tuesday, I moved $500 from my hidden RMD account.  Shhh.... I have to hide  some money from the hubs or he will SPEND it  in no time.  It is just how we (or I) do things.


We do have a ways to go, don't we?

Last week was a blur!  I spent a lot of time on figuring out how to coupon at Walgreens and then going to Walgreens to shop and reap the benefits.  It is a complicated process and takes diligence and patience.   I have managed to stock up on make-up that I will use this year and still am ahead $5 in register rewards.

I also spent time chasing down sales at Publix and Winn Dixie, all to keep the grocery spending under control!  It takes time, but I am hopeful that with a bit more experience I can whittle down the time it takes to save the money.

For now, when a store has BOGO on items that we WILL USE, I will typically buy two deals for a total of 4 items.  This has allowed me to stock up and slows down my need to run to the store.  Well, mostly.

I will work on doing better posting next week.  PROMISE!!



Old principal balance $83,499.46
  • $500 from RMD 
New principal balance $82,999.46




4 comments:

  1. I still have not figured out Walgreen's. Things at Publix repeat in bogo sales. I do buy more to stock up.

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    1. It takes diligence and careful planning, that's for sure! I do appreciate Publix BOGO's, they have helped me stock up and eventually spend less. Are you able to use their app to access the digital coupons?

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  2. Sounds like you are doing great with couponing & figured out a stockpiling system that works for you. I love BOGO sales!

    If you have a CVS near you, go get their card. Their rewards program is the BEST and easiest to use. I should probably write a post about how to coupon at CVS.

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    Replies
    1. The
      BOGO's have definitely helped with the grocery budget! I do have a CVS account and need to start back.

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