4/12/14

Balance: $4.45
Deposit: $2.35
Balance: $6.80

I love this "game". Went for a nice walk in downtown Rochester today but didn't find a single penny on the ground. In fact, I gave a less fortunate man $1.00 for a soda. Felt good sharing but not finding any change was a bummerooski. Jamie

4/11/14

Balance: $0.00
Deposit: $4.45
Balance: $4.45

Okay...so what's with the zero balance you ask? Well, remember, I decided to go to the bank, open a Loose Change Checking Account, collect my free checks, collect my FDIC insurance, collect my (almost non-existant) interest and of course, collect my FREE GIFT!

I was unable to make it today because of my work schedule. However, I will be stopping by at 9:00 a.m. tomorrow morning. The booty....$57.36! Not bad for about three weeks Loose Change (and $1.00 bills) collection. Let's see, if I average that out, I could be looking at about $995.00 over 12 months!

Soooo, thus the reason for my zero starting balance. I baggied up all the change, rubber banded the bills and put them in the consol of my car for the trip tomorrow!

Sometimes in life, starting all over again is a major challenge. In this case, it's simply another milestone along the path of financial freedom!

So, I have decided to open up yet another account...this one will be my Loose Change Account!

I have been filling my jar and of course, you can see my progress right here!

That said, I have decided to move my Loose Change to an official bank account which will absolutely be used for my mortgage principal pre-payment as often times stiuplated...but now, for my reasoning:

1. My bank offeres free checking and free checks;

2. I get a free gift for opening an account. Last week I opened a Duplex Escrow account and selected a free trunk organizer. This will be my very first Christmas present "purchase" for 2014. It will go to my oldest daughter as she needs the organization tool.

I think my next free gift selection will be a laundry organizer. My girlfriend will get this as she is very organized and clutter free but tends to allow her laundry room to blow up.

So, I get free checking, FDIC insurance, free checks, tiny but available interest and a free Christmas gift!

Not too shabby! Jamie

4/10/14

Balance: $51.89
Deposit: $5.47
Balance: $57.36

4/9/14

Balance: $47.99
Deposit: $3.90
Balance: $51.89

4/8/14

Balance: $23.46
Deposit: $24.53
Balance: $47.99

$50.00 prepayment around the corner. That, along with my budgeted $50.00 prepayment per month is a nice little kick to the old principal pants!

As an FYI, I withdrew $45.00 from an old pass through checking account I found still open. From it I put $20.00 toward my Loose Change fund, $20.00 in my pocket for tolls/gas and took the remaining $4.53 I had in my pocket to round out the deposit. Also, of the $4.53, $.02 were found on the ground leaving the grocery store where I bought mild turkey sausage, a cucumber and edemame for dinner tonight. See, sometimes it pays to walk with your head down! Jamie

4/7/14

Balance: $22.56
Deposit: $.90
Balance: $23.46

4/6/14

Balance: $17.11
Deposit: $5.45
Balance: $22.56

Wootwoot....over $20.00 baby!

4/4/14

Balance: $12.21
Deposit: $4.90
Balance: $17.11

Close to $20.00........this is really fun!

4/3/14

Balance: $11.61
Deposit: $.60
Balance: $12.21

I think I may some dollar bills to add tomorrow. I have a five and my tolls will only be $1.10. We shall see!

Nothing to add today! It's amazing how extremely bummed out I am over this. I even found myself looking around for a couple pennies at least. Oh well, maybe tomorrow!

4/1/14

Balance: $7.81
Deposit: $3.80
Balance: $11.61

Woooohoooo

3/31/14

Balance: $1.46
Deposit: $6.35
Balance: $7.81

Okay...so I have decided to ramp up my Lose Change Challenge (remember, all monies are applied to my mortgage princpal as of 12/31/14) to include $1.00 bills. This is going to be tough as I rarely have the ability to just sock a dollar bill away...but, I am going to really try.

All said, I don't know much, but as of right now, I will never pay interest on $7.81 again...lolololololololololol......Jamie

3/30/14

Balance: $1.34
Deposit: $.12
Balance: $1.46


Slow and steady wins the race!

3/28/14

Balance: $1.34
Deposit: $.00
Balance: $1.34

Just didnt have spare change today.

3/27/14

Balance: $.64
Deposit: $.70
Balance: $1.34

Woooohooooo....I broke the buck barrier!

3/26/14

Balance: $.05
Deposit: $.59
Balance: $.64

Chaaaaa Ching!

Okay, so some updates are going to be "ho-hum"...like this one. A deposit of $.04 bringing my total up to $.05. Stop laughing......I know, not much right....but, if I do this day after day, at the end of the year, I am going to have a nice little deposit to make against my mortgage principal....wish me luck:

3/25/14
Deposit - $.04
Balance - $.05

Okay....so.....although I thank you all for the great support and comments regarding my No Spend Day (NSD) challenge, I have officially removed it from my blog. This is not to say that should I happend to have a true NSD, I won't make a contribution to my savings, it's just I will not be keeping track and making public my successes/failures. The emotional roller coaster is just too much to overcome...lololol....sniff, sniff, sniff! That said, I am on to another task....LOSE CHANGE! I want to thank those here who have inspired me to accept this challenge and will absolutely keep track of this endeavor! I am really looking forward to seeing how much can be "found" here, there and everywhere! The balance accumulated will be added to my mortgage principal! Wish me luck!