Transfer Tuesday June 22, 2021

  

                   

                             

Hello Tuesday!  This is the day that we make an extra effort to pay down our debt.  Most every Tuesday we apply extra cash (whether it be BIG or small) to our outstanding debt.  This helps keeps us aware of and accountable for our debt. And it all makes a difference.

My last Transfer Tuesday was  June 1, 2021

Previous balance  on last Transfer Tuesday Post   $68,698.00

Payment of $747.00  VALIC payout (The check FINALLY arrived yesterday) 

Total $747.00

New balance   $67,951.00

When we started paying down the debt in Sept 2019 we were at $95,853.00

Upcoming Money Moves:  Redeem Credit Card Rewards from BOA $237.99 - Transfer in progress SIDE NOTE SENT this to M1 finance checking (1% interest APY) 

Poshmark payout $38.04 is being moved from Posh to Checking account ( in progress)  will apply to next week Transfer Tuesday. 

How was your Transfer Tuesday? 

My inspiration for Transfer Tuesday is Pennies Not Perfection

What Happened to TRANSFER TUESDAY

 I have missed Two Transfer Tuesdays.  Oops.  We were on a family vacation and the posts I thought I scheduled to post did not. 

All for the best. The check from the VALIC account that should have already been here is somewhere but definitely not here. That was going to be a pretty big payment towards the HELOC.

I will regroup and get back to a regular Transfer Tuesday next week. 

Meanwhile, here are a few pics from out trip to South Dakota and Wyoming.  Mount Rushmore, Devils Tower and the Badlands were a few of the places we saw. 

Future Money Moves July 24th

 6/3/2021

CD's are earning only 0.15%  The CD renews July 24th and it will be closed out and sent to SeaCoast 2216

CD at 0.35% 5250 renews July 24th and it will be closed and sent to SEaCoast 2216

Transfer Tuesday 6/1/2021

 

                      

Hello Tuesday!  This is the day that we make an extra effort to pay down our debt.  Most every Tuesday we apply extra cash (whether it be BIG or small) to our outstanding debt.  This helps keeps us aware of and accountable for our debt. And it all makes a difference.

My last Transfer Tuesday was  May 25,2021

Previous balance  on last Transfer Tuesday Post   $68,782.38

Payment of $2.38 sent ( I like it when it ends in zeros)

Payment of $70.00 made from earnings on MERCARI

~~Ebay sales were insignificant this last week. No payment this week. 

 

Total $72.38

New balance   $68,710.00

When we started paying down the debt in Sept 2019 we were at $95,853.00

My inspiration for Transfer Tuesday is Pennies Not Perfection

UPDATE: I received an email that the account was closed and funds released. The check should be here for the next Transfer Tuesday. 

Future Money Moves: Submitted paperwork to cash out a small VALIC ($996.00) account from a previous employer. When that check arrives and is deposited I will put 75%  (747.00) towards the HELOC.  I am unsure how long it will take to close the account, hopefully not too long.  

Transfer Tuesday 5/25/2021

 

                      

Hello Tuesday!  This is the day that we make an extra effort to pay down our debt.  Most every Tuesday we apply extra cash (whether it be BIG or small) to our outstanding debt.  This helps keeps us aware of and accountable for our debt. And it all makes a difference.

My last Transfer Tuesday was  May 18,2021

Previous balance  on last Transfer Tuesday Post   $69,962.00

Current Balance as of today $70,092.38 (Monthly Finance Charge $130.38)

Monthly Payment due 268.65 ( Mid June 2021)

Payment of $1246.00 Monthly Payment 

Payment of $38.00 made from earnings on MERCARI

Payment of   $26.00 (10% weekly gross ebay sales)  eBay 

 

Total $1313.00

New balance   $68,779.38

When we started paying down the debt in Sept 2019 we were at $95,853.00

My inspiration for Transfer Tuesday is Pennies Not Perfection

Future Money Moves: Submitted paperwork to cash out a small VALIC ($996.00) account from a previous employer. When that check arrives and is deposited I will put 75%  (747.00) towards the HELOC.  I am unsure how long it will take to close the account, hopefully not too long.  

With the payment of $1313.00  I was able to color in 3 3/4 of the pieces on my Debtris sheet.  

See you next Tuesday! 

Transfer Tuesday

                      

Hello Tuesday!  This is the day that we make an extra effort to pay down our debt.  Most every Tuesday we apply extra cash (whether it be BIG or small) to our outstanding debt.  This helps keeps us aware of and accountable for our debt. And it all makes a difference.

My last Transfer Tuesday was  May 11, 2021

Previous balance  on last Transfer Tuesday Post   $70,314.00

I downloaded a new (FREE) debt tracker this weekend. "Debtris" reminds me of when I had chickenpox 30 years ago and I played Tetris during my recovery. Anyway, the tracker is fun and I like visuals to keep me on track.  There are 200 pieces of the puzzle and each piece is valued at $352.  The tracker has four levels and each level is valued at $17,579.

Today's payment is a payment towards the principal and my first puzzle piece of the game.  I moved $352 from eBay earnings to the HELOC and now the new balance is below $70,000.00

Most of my online sales took place on the weekend and the funds have not yet been transferred to the online checking account. Next week there will be more to share with payments from the other venues.  I was super excited to get the balance below $70,000, and that will change with the next bill and the interest charged, but for now, I am enjoying the small accomplishment.  

 

Total Payment $352.00  (from eBay earnings account)

New balance   $69,962.00

When we started paying down the debt in Sept 2019 we were at $95,853.00

My inspiration for Transfer Tuesday is Pennies Not Perfection

The interest rate is 2.24 percent. We refinanced the HELOC because the first loan was INTEREST only. That was a mistake to learn from. The new loan (started Jan 2021) applies half of the payment to the INTEREST and half to the PRINCIPAL.

Friday

Friday.Same old same old.  Packed up three orders for eBay. Then I took some gold earrings and a charm that I found in a large bag of costume jewelry at a recent Estate Sale.  I weighed it on my jewelry scale so I would have an idea of what I had when I went to the jewelers.  Not quite a gram.  

The jeweler said I needed a bit more to make it worth his while and mine.  So, tonight I will be digging in another bag of costume jewelry from the same Estate Sale.  If not tonight, then maybe this weekend. 

We had an early dinner of grilled burgers (frozen patties from Aldi) and tater tots in the air fryer. Took the dog for a walk and then jumped in the pool to take a break.   It was nice, the weather was warm but not too hot.  

Saturday.  Straightened up inventory in the she shed and went to on parking lot sale.  I wasn't planning on thrifting today, but I did stop and picked up 6 vintage ball caps for $10 and two pieces of vintage Revere copper bottom cookware for a $1 each.  I need to shine up the copper bottoms and am in the process of accumulating a "lot" of Revere cookware to sell on eBay. 

The grandkiddos came over and we took them to the park to ride their scooters thingys and paly in general.  Afterwards, we came home and invited the neighbors over for a swim.  2 hours later we were done and the kids were showered, fed and they crashed at 10:00 pm.  I was not far behind them.  It was a fun but exhausting day.  

Summer Bucket List 2020

Summer officially starts June 21st and after being inspired by The Frugal Girl, I came up with my unofficial Summer Bucket List.

There are projects to complete, but we want to work in a little fun too. I mean it is summer, right?

Take the kiddos on an airboat ride.  


Paint our bedroom ( it was my mom's bedroom while she stayed with us). Mom had picked out the paint color and it is a bright yellow. She loved it, but I have never been a big fan of yellow. I still have not yet decided on a color, anything but yellow.

Plant flowers with my grandson

Another Rainy Day

This morning was a bit productive, I put together a pot of chili in the crockpot using what I had in the pantry.  Now I know I really need to get a list going and restock up on basic canned goods such as tomato products, beans, soups, and tuna.  The list is ongoing this weekend and I will take it to the store on Monday get some shopping done.


The kiddos are stuck in the house with all this rain.  I am about our of ideas to keep them busy and not on their devices.  We play board games, paint rocks, watch Sponge Bob Square Pants, and that is about it. 

Another week is done and a new one starts.  Changes to the  quarantine situation include:  

• We have baked our 5th or 6th loaf of banana bread this month.  
• My bathroom scale is broke. I wonder how long it has been broke? lol
• We went through the drive-thru at Chick-Fil-A Twice last week. 
• The kiddos are not going back to school-distance learning until the end of the school year.
• 
  

Frugal Friday

Saturday    Well, it was not a frugal day but it was a fruitful day.  There was no grocery shopping today, but there was some fun shopping.  I ran to Dollar Tree and picked up some St. Patrick's Day paraphernalia for the kiddos.  Fun hats, light up necklaces, etc.    Since the kiddos will be out of school for at least two weeks, (one is Spring Break and one is because of the virus)  I picked up a couple of fun academic activity books to keep them busy, at least for a little while. 

I also went to GoodWill to thrift items for my eBay store.  The GoodWill store was empty, typically Saturdays are extremely busy. The shelves were full and getting in and out was a piece of cake.

Frugal Friday and Link Love

It's not often that I keep up track of how frugal I have been on a weekly basis.  But as a reference for me, later on, I am going to try to do better.  Do you find that keeping track of your frugalness helps you?


Monday: My husband saved $2.72 on gas using GetUpside  I didn't go to the store so that was savings in itself!

Tuesday:  I saved $ at CVS on Toilet Paper, Paper Towels and Hand Soap with my CVS card.  I didn't have any extra coupons or Reward Bucks.  My receipt after the transaction was full of a bunch of offers!  Fetch  (my referral code WX8BV ) gave me 1578 points on this purchase too!  If you have the app, you know how exciting it is when all the confetti is blowing up your screen lol!

 Hit up Publix to get more BOGO PowerAde for the hubs lunch and frozen BOGO ravioli.

I also saved $1.69 on gas using GetUpside when I filled up.

Wednesday     We purchased a new mattress from Tuft and Needles and we also purchased two new pillows.  We like the mattress but the pillows are not our favorite.  Well I like the mattress, the hubs is still on the fence about it.  I emailed the company to return the pillows and they quickly responded and sent me a return label.  That will put $86.00 back in my pocket.

When I bought the new mattress, I also found a nice comforter set on clearance at Belk online.  Well, we hate it.  I contacted Belk online and they are sending a return label for the comforter set.  The old comforter set is back on the bed.  Another $87.00 back in our pocket.


Thursday  This was NOT a frugal day.  After dropping off all the returns at FedEx, I immediately participated in a round of panic shopping. I am kinda glad I did. 

Friday    I had to take my vehicle back to the dealership to have a look at the brakes that they worked on in January of this year.  They are pulsating when pressure is applied.  This is related to the front brakes as they "turned" them and replaced the pads.  The service rep said they will have a look at them and so far it will be no charge to resurface them if that is the problem.  Will update later if that changes.



Link Love for this week!  I am pretty sure you read these blogs too, but just in case you don't, stop on by and check them out.

• Don't Read This, It's Boring
• Frugal Workshop
• Richly Retired 
• Out My Window
• Just Baggage Enough

What are you all doing to stay sane during this Corona Virus event?  Streaming?  Suggestions welcome.