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Archive for November, 2005

Unbelievable

November 7th, 2005 at 04:22 pm

I am sick again - or maybe it's still. I usually don't get sick that often, so I have to think that it's still. It will be better for a few days and then I get it all over again. I finally decided I want it gone for good. I made an appointment to see the doctor this morning at 10:00 . I really hate taking another day off work, but I really feel that I need to knock whatever this is out.

Saturday Kevin had a game and I went to Debbie's for girls day. My sister and I started this monthy tradition about 15 years ago. One month it's at my house and I pcik the activity; the next month it's at her house and she picks the activity. Saturday it was shopping at the new mall in Simi Valley. We had a great day. I bought a few cards, a candle and holiday planner at Hallmark - total was about $25.00. Then I spent $100.00 at Coldwater Creek. I bought two gorgeous sweaters that have detachable long knit scarves. I bought one last year and nearly wore it to death. They are so soft and comfortable and they fit so nicely. I know they are a bit pricey, but Coldwater Creek has very well made merchandise - I really don't mind spending a bit more for it. Besides, I look at it as really buying four pieces instead of just two. Many of the other stores we went into had similar sweaters and scarves that were sold separately. The sweaters were $39.00 and the scarves were $19.50, so the Coldwater Creek deal ends up being the better of the two. Plus, for spending $100.00, I received a beautiful sterling silver and amethyst pendant and earring set. It was really beautiful and will go perfectly with one of the sweaters that I bought since it's purple.

I bought lunch and a treat for sister and myself. She's been having a really hard time lately and I felt that she needed some extra TLC - since she doesn't ever get that from her selfish husband. He irritates me to no end. Grrr. Anyway, she mentioned needing some time for herself. She said she thought she'd take a day off work just to have some time to herself. I felt bad about that. She definitely needs some time, there's no doubt about that. But I hate to see her take time off for that - she's the one that always ends up having to take off when the boys are sick, so I think she pretty much uses all of her time every year. Since Friday is a holiday for all of us and Kevin and I were going to make a trek to the Reagan library, we offered to pick up the boys and take them with us and then go to lunch afterwards. That way she can have the better portion of the day to herself - to sleep, read, clean...whatever she'd like to do. She was thrilled with the idea - and so were the boys. Sounds like Friday will be a great day all the way around =)

Yesterday Kevin and I pretty much just vegged. We put up a fire and sat around all day reading, napping and watching TV. It was great! We don't often have a chance to do that, so we really enjoyed it.

Response to JodiM

November 3rd, 2005 at 02:39 pm

Thanks for your input on the garage sale games. I've decided to go ahead and give the games to the boys at Christmas
and not think anything else about it. I do know that they will love them and, really, that's all that matters =)

As for the Keep the Change program, it's working out really well! We are enjoying watching our savings account grow.
Every morning I check the account and I'll see something that says 'Keep the Change' deposit. It's a few cents here
and there - nothing you'd miss. But those little pennies here and there do add up in a hurry! They do match your
deposits 100% for the first three months. HOWEVER - what I discovered is that they deposit the match ANNUALLY,
not daily. But really, it doesn't matter to me when they do it - only that they do it. My husband works at B of A, so I'm
not worried about it happening. Good luck if you decide to Keep the Change. Happy saving!

Looking for Ideas

November 3rd, 2005 at 02:23 am

It's been a good week so far - though expensive. But the beginning of the month always is - with rent and bills due. Oh
well, at least we have it and everything is paid! Plus I paid the registration for the 4Runner yesterday - that was $178.00,
but we'd planned for it, so not a big deal.

We always seem to do fine. All of our savings plans are funded every month, all of our bills are paid on time, and we have
some money for fun little 'extras' here and there - like Wednesday nights out Usually it's just fast food or a sandwich
somewhere... nothing fancy. We just like a break in the routine. Together, Kevin and I make a good living with
absolutely no complaints. We have very little debt (just our cars) and put away a good chunk of money. However, I'm
looking for ways to increase our income.

I didn't find this site until August. I see that there is a $5,000.00 by the end of the year challenge. I didn't participate
because I didn't think that would give me a lot of time. However, Kevin and I have talked about it, and we're going
to start our $5,000.00 challenge the first of the year. We're going to make it a game - to see how many things we
can come up with to make extra money, and to see how much 'extra' money we can save from those endeavors
during the course of a year. That said, I'm looking for ideas on how we can make extra cash. We both work full time
as it is, so we don't have a lot of time to dedicate to a second 'job' per se, but we do have some free time that can be
utilized for this challenge. We have a brand new savings account that we opened for the B of A Keep the Change program.
We decided to just go ahead and use this account to deposit the extra money in. The only money that will go into that
account is the Keep the Change deposits, and whatever we make on the extra program.

So far:

~ I know that we will list on ebay. We used to do this a lot and then just drifted out of the habit. We both enjoy it,
it will just be a matter of taking the time to sit down and list them items. We have some things ready to list, but I
think I want to wait until the holidays are over and start fresh for the new year. I'll store the items in the garage until
we're ready.

~ We already collect recyclables. From now on, we'll put all of that money into the extra account. We don't make a ton
of money doing this, but we kind of look at it as free money. We recycle our own items, items that mom and dad give
us, some bottles and cans from school, and what we find when we're out walking Slippers. For very little effort, we make
a few hundred dollars a year just by doing this one little thing. The recycle place is less than 2 miles away, so it's really
easy.

~ I was thinking about making my gift baskets and selling them. I can make up some flyers and display the baskets
at school. I could also list these on ebay. I won't make a ton of money doing this either, but probably a few
hundred dollars.

~ I was also thinking of making greeting cards and selling those. Again, I could sell them at school. I could probably also
sell/display some things at a few of our other school sites and maybe at the district office.

~ I might be able to talk Kevin into putting the money he makes from umpiring into the extra fund, too. Technically,
it IS extra, but he does use it to buy things from time to time. I don't know if he would be willing to fork it all over
for this experiment. However, we might work out a deal where he keeps half and the other half goes into the account.
We'll talk about it and see what we come up with.

~ All rebates and refunds would go in here, too.

What other ideas are floating around out there??