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2nd Job Update

May 15th, 2014 at 12:21 am

So, I spoke to the good Doctor's secretary today regarding my disappointment in not getting paid yesterday.

I expressed my feelings regarding holding up my end of the bargain by providing an honest evenings work for an honest evenings pay. I expressed my feelings toward earning every penny and not having to "chase" what is rightly owed to me.

She agreed completely and stated she had sent the money to the job site and told me the "secret place" it was hiding in.

She also stated how please he was with my work, my word and my trustworthiness. I thanked her for the kind words and reiterated my desire to work long term in this part time capacity but that I will never again be left with my hand out for what I earned.

I will be visiting the jobsite tomorrow to find the "secret place" and grab my pay. I will not be able to work as he has not been able to provide the supplies I need at this stage. I am hoping that at some point he will allow me the opportunity to utilize his account to simply get what I need. I will be missing out on an evenings pay because of his inability to follow through with getting the items I need to continue this portion of the job.

Anyway, I am blessed to have the chance to earn a couple hundred bucks per month and certainly don't want to paint a picture of "poor Jamie". But I will not expend the time or effort to hold up my end of the agreement with him holding up his. Jamie

A Sunny Day in May to Reflect

May 2nd, 2014 at 12:05 am

Sooooo, unfortunatley, I have no Loose Change to deposit today. That's bad for the Loose Change account, however, good in the sense that I spent no cash.

After reviewing April's numbers, it looks as if I truly accomplished a lot:

1. Opened a Duplex Escrow Account
2. Opened an Emergency Fund
3. Opened a Loose Change Fund
4. Opened a Savings Account
5. Reconciled my Operations Account
6. I deposited a total of $205.96 in the Loose Change Account.
7. I was $117.00 under my budgeted auto fuel amount.
8. I was $58.94 over my budgeted food amount (however, Easter may have contributed to that extra spend.
9. I reduced my monthly internet bill by $10.00.
10. I established auto pay on my credit card to earn reward points. Monthly debts applied are auto insurance, refuse, cell phone, propane, dish, netflix, internet (mortgage and electric do not qualify).
11. I reduced my monthly dish bill by $37.16.
12. I found a part time job that should net me ~$200.00 per month without any impact on my time with the girls!
13. Earned a $30.00 reduction in auto insurance for paying the bill in full.
14. I obtained two additional credit cards taking my available credit to $85k
15. Met the Quicksilver reward requirements and cashed out $107.00 which went to the Loose Change and Savings Accounts, respectively.

Phew...what a month...I guess I never really stopped to think how busy it was. I may even be missing a couple things. Oh well, I am on the right side of the dirt....for now....Jamie

Part Time Job Update

May 1st, 2014 at 12:22 am

So, Tuesday evening I started my part time job. You may recall I was hired at $10.00 per hour as a handyman for an elderly MD in a neighboring town. The MD is a kind man who is rather eccentric and scatterbrained. One of those individuals who "is so smart, he's a knucklehead" type of person.....lol.

Well, he has been renovating his deceased mothers house for about....ummmmm....100 years and a portion of the attic is ready for some final dry wall work and painting. I applied a second coat of "mud" to some drywall work that was started but left undone by his last handyman and put up one coat of primer/paint in another section of the attic. The plumber needs to finish the bathroom and then I can hang the rest of the drywall, tape and mud it and paint.

By the looks of the house, I can rest assured part time employment for about.....ummmmm.....100 years. The house is about 2500 s.f. with a new three car garage, four new bathrooms, and renovations started in every room throughout. Nothing is complete and although I feel exhausted for him, I am happy to think I may be allowed to chip away at this job for a long time.

I am humbled by the hourly wage and thankful for the extra income, albeit about ~$40.00-~$50.00 per week. The drive is about 15 minutes from my home and not all that intrusive. In fact, a portion of my travel for my "real job" takes me right by the exit and thus, for example, tomorrow, I will bring my "work clothes" with me, hop off the expressway and put a few hours in prior to going home.

I am going to put 1/2 of the earned income in my savings account the other 1/2 in my Loose Change fund. If I can consistently bring in $200.00 per month minimum, that will be a nice little chunk of change come Christmas time.

Finally, my dad who is back from his summer home in Florida has again promised me some side work this summer with him. That is about $12.00 per hour and although much more physically demanding (my dad is a retired plumber who just can't let go of the grind), he will take great care to get me as many hours as possible.

All in all I am so very blessed! I have a great job. Great employees. Great peers and hopefully growth opportunities. And now, I have some earning opportunities that will not infiltrate my time with my children. Little by little I hope to rebuild my nest egg. Finding new ways to save without sacrificing fun and reaping the benefits of my labor is so exciting to me. Maybe someday soon I can start contributing to my retirement again. In any event, slow and steady wins the race an maybe the nice guy won't finish last anymore. Jamie

Allstate Insurance

April 30th, 2014 at 10:16 pm

So yesterday I reported that my internet company saved me $10.00 per month by removing some dumb 911 package that I no longer needed.

Today, as I prepared to pay 1/2 of my automobile insurance, I was told that if I paid in full, I would save $30.00!

I jumped at the chance and feel great in the fact that I continue to save little by little! Jamie

Totally Shocked!

April 28th, 2014 at 04:20 pm

So, on 4/23/14 my internet went down. The DSL light was on the modem but no connection. After numerous calls, help desk visits, etc., it was determined that the modem should be replaced.

Now, asking my mother to sit at my house all day with baited breath waiting for the repair man was troublesome enough...then, to find out that there were other outages and may delay my repair again, was beyond frustrating.

Suddenly, out of nowhere, she calls me and says the repair is at the house! He replaced the modem, check connectivity and all is well!

I call my service provider to ask for a credit for the time I was out of service. She puts me on hold and returns a moment later saying a 1/2 month credit was applied to my account (I only needed five days) AND.................that I have been paying $10.00/month for a 911 service that no longer exists, and as such, will be getting a credit on my bill next month and a $10.00/month reduction thereafter!

All in all I saved $120.00/year on my internet service, obtained a brand new, high speed, great connectivity modem AND have service again all because of a few phone calls.

Totally Shocked! Jamie

That Was Fast

April 15th, 2014 at 06:25 pm

Wow......for some reason, I thought it would take three billing cycles to earn my Capital One Quicksilver $100.00 cash reward. However, I just checked my account and poof, there it is. I quickly hit "redeem" and ordered the delivery of my check in the amount of $107.53. The $7.53 equates to the 1.5% I earned on all of my purchases.

As I blogged yesterday, the Quicksilver is laying comfortably in my safe, tucked away for a long summer's nap. But now I am wondering if I should search for yet another great rewards card, open my 4th account, use it for my mulch and other summer yard supplies and tuck it away when done?!?!?! What say you? Jamie

Takes Getting Used To

April 14th, 2014 at 11:22 pm

So you may recall my blog from this afternoon suggesting what I was going to do with the funds from my movie sale. I mentioned gas and my contribution to the easter dinner. Well moments before I pulled into the gas station it hit me......USE YOUR CREDIT CARD!! Stick to the plan. Build those reward points. So, now I am going to put $20.00 in my pocket for tolls and parking. I will put $45.00 in my operation account to pay the gas charge from today, $50.00 for the easter dinner groceries I will charge on Wednesday and the balance, $75.00 will go into the Loose Change fund.

Building those rewards points responsibly is the name of the game. Jamie

More DVD Sales

April 12th, 2014 at 03:30 am

So, as I blogged yesterday, in my bid to reduce some of the DVD's I have collected over the past fifteen years or so, I was able to sell off $110.00 worth this morning.

Well, I am happy to announce the same buyer has also selected $35.00 more!

$145.00 in DVD sales in less than one hour! Not too bad. I thought my local flea market would be the place to sell some off, but am finding the intimacy of a couple buddies getting together to talk trash works just as well....and no overhead!

Sunday evening I am going to actually go through and write down the title of all of the reamining movies I am willing to sell. Then I can give them to him and another buddy who has voiced his interest and let them submit their "order".

As I blogged yesterday....I plan on using the money to put together this years easter baskets. I think I can do my three girls for about $25.00 per basket and another $25.00 for DG's little girl. That's $100.00 total. Sounds like a lot of money, however, it's well worth it to me. Any additional funds will go into the Loose Change account with it's path leading to its demise in the mortgage principal pre-payment catacombs!

Next up.......the construction of the Easter Basket!

Selling Stuff

April 11th, 2014 at 01:14 pm

Okay....so....I counted and have well over 1000 DVD's!

This morning, I sold $110 worth to a co-worker. This money instantly takes care of the three Easter baskets I have to build next week! And with a bit left over, I am going to add it to my Loose Change Account!

Happy to Spend $500.00

April 10th, 2014 at 12:55 am

Okay...so as you know, I got the new Capital One Quicksilver credit card. This is the one whereby if I charge $500.00 in the first three months, I get a $100.00 cash reward!

So today, after much shopping around, negotiating, pitting one dealership against another and refusing to pay anywhere close to full price, I bought four brand new tires for my car, mounted, balanced, old tires recycled and tax for $320.00! I am so proud of myself! I have struck some pretty good deals in my life kibbitzing, wheeling, dealing and sometimes, pestering to the point of exhaustion, but to get four brand new tires for the price of 2 is something to write home about!

I whipped out the new Quicksilver, swiped the card with glee and headed off to the gas station to fill up my tank for $40.00 which should get me through Sunday as my travel for the next four days is very limited! Because I didn't use cash/debit, I paid full price for the fuel, but hey, the tank is full!

After that, I thought the girls would like Taco's in a Bag for dinner so I headed to market. $30.00 later, I was all set and ready to go!

I have about $110.00 to spend and bam.....$100.00 cash reward earned (after two billing cycles..lolol). This weekend I am going out to dinner with friends and may do some Goodwill Hunting as the weather is gonna be awesome!

I'll pay the card off in full by the end of April and ultimately, make $500.00 worth of purchases for $400.00.

Once my rewards hit, I will cash out and plop it in the old mortgage principal pre-payment jar! Hooooray...Jamie

I was LIED to

April 7th, 2014 at 06:56 pm

Well, not actually.....in fact, here is the story/update. So, as many of you know, one of my financial goals was to increase my available lines of credit. My pre-goal picture looked like this:

1. Personal Banking Line of Credit - $40k
2. Personal Credit Card Line of Credit - $15k
3. Total Available Line of Credit - $55k

My goal tasks were as follows:

1. Obtain two additional credit cards and increase my overall available lines of credit

2. Determine no end date to the banking lines of credit

Outcome (including the LIE)

1. Personal Banking Line of Credit - $40k revolving with no expiration/loan mandates

2. Obtained a Capital One Credit Card - $15k

3. Obtained a Personal Bank Credit Card (was told it was for $10k)....upon receipt, I found out it was for $15k!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

4. Existing Credit Card of $15k

Now, was it really a lie?!?!?! Nawwwwwwwww....an educated guess I suppose. But that said, I now have access to $85k in credit....again....just in case. Jamie

What is the Minimum you Apply to your Mortgage Pre-Pay?

April 3rd, 2014 at 11:33 pm

So, as you all know, my loose change is going toward my mortgage principal. My question is: what is the minimum you apply to your principal? Should I wait until I have $20.00, $25.00, $50.00???

I know every penny counts, truly I do, however, do you have a minimum amount?

Once Again...Thanks RTW...WOW!!!!

April 3rd, 2014 at 03:15 pm

Soooo....after reading RTW's Home Warranty blog and after much deliberation, consideration and thought, I decided to contact a Home Warranty company regarding a free quote. Below is the covered items for my policy quote......

Covered Items
Air Conditioning System
Heating System
Electrical System
Plumbing System
Plumbing Stoppage
Water Heater
Whirlpool Bathtub
Oven / Range / Stove
Built-In Microwave
Garbage Disposal
Clothes Washer
Clothes Dryer
Garage Door Opener
Ceiling and Exhaust Fans
Limited Roof Leak
Stand Alone Freezer
Well Pump
Septic System
Sump Pump
Septic Tank Pumping

Total Price for 13 months: $600.00
Total Deductable Per Call: $45.00

UNBELIEVABLE!!!!!!!!!!!!!!!!!!! Thanks again RTW

Ok, so call me stupid but..CAN SOMEONE TELL ME WHAT A SNOWFLAKE IS?

April 3rd, 2014 at 02:39 pm

I have seen it used so often since I returned to SA and I am finding it hard to identify what it truly means. I am probably pretty dumb to not know this but hey, there is always the ignorant one in the family right?!?!

Final Act of Leverage

April 1st, 2014 at 10:46 pm

Good evening SA Family.

As I blogged last night, it was a very busy financial day. Opening another account, applying for my second and third credit card and verifying the standing of my lines of credit and setting up auto bill to my credit card to start earning cash back rewards/gift cards (I am hoping to use it like a nice Christmas Club account)

Today, I am happy to report that I was approved for my final credit card! I received the email this afternoon! I am now the proud holder of $75k in available lines of credit.

God forbid, but If I ever need access to a large sum of money, albeit temporarily, I have the peace of mind knowing I am all set. Thanks Retired to Win for the support and encouragement! Jamie