Sunday, November 30, 2014

Weekly Update & Mortgage Challenge

So Turkey day here. The kids ate and ate and ate. They were still stuffed the next day. We cook and eat here. So much better for the boys and they LOVE it.

So LOTS going on of course. Should be sharing a sewing project next week, they are so stinking cute. In fact I need to go and finish them up tonight so I can start a new present tomorrow. 

So how many of you went out for Black Friday? Turkey Thursday? I don't. I do think stores should be closed Thursday. For Black Friday there are some things, first they bring out the cheap electronics. These are crappy, and not worth the price listed. Second, if you really priced out an item you can usually get it cheaper on a different day. Third have you ever followed an item. Are you buying something for a person just to buy something? have you followed the gift trail? do you know how many gifts end up at goodwill? returned? stashed in a closet? Where is that gift you gave a month later? 

I have been given so much junk over my life, normally from my mother. Two years ago I didn't bother returning any of it, it all went to goodwill. Two years ago she gave me a plastic wine bucket. Hum I don't drink, she also gave me a cheap fleece blanket. Hum I can't stand to touch fleece. But she bought just to bought because I MUST have something to open because giving cash is so cheesy. Really? because cash in May when it's gardening time. OH BOY.

There was one year we returned so much stuff to Wal Mart they brought over an officer to talk to us. I'm sure making sure it wasn't all stolen? We had receipts for most of it, I snuck into the parents house and found her pile of receipts. 

I also like to plan the gift per person. And keeping it simple. My youngest niece, she is into barbie. So she will get a new barbie and I will make some clothes. I almost thought of doing a barbie clothes of the month? where I would make her an outfit or two a month and send it to her. But with my gardening schedule I thought good luck? This year she has requested Ken clothes. 

I also shop all year round. I found something perfect for my mother this summer well we were off camping. It's also a good way to spread out the money that Christmas costs. So come December our budget will not take a hit. We've been saving for my gift for months, and heck it went on sale and Joann's did their black Friday on Wednesday, but the catch is I had to go up and get it. But there was no crowd, since there was no crowd I got some fabric as well and got in and out and saved 50 bucks on my gift. 

Today with the sun out and it being freezing outside, I went out front and finally covered all the frozen beds. Nice to get that all done. Hoping Wednesday after school to run out and do the back yard. I have Pineberries being delivered tomorrow. (White Strawberries) These are real and come from a real gardening place. They put them on sale for about 80% off and I jumped. Been wanting to add them to the garden and now I get too. 

Can't believe Christmas is right around the corner, and then it's time to plan the garden. I'll be ordering Elderberries. So much planning to do. 

On the Mortgage front, sitting at 114,230. Next week I'll be paying the monthly payment and the extra, so we will drop into the 113's. Love seeing it drop.

Wednesday, November 19, 2014

Weekly Update & Mortgage Challenge

Another crazy week under our belts. Ethan finished up English 3 FINALLY. Gave him a break until Monday and then full force into English 4. Now that we have a schedule, and so far sticking to it, he should be done with English 4 by the end of our school year. And brace yourselves, Cole will be done with second grade math before our Christmas break.

So never, ever, ever show your child Pinterest. OMG. Ethan and I talking about what he wants to make for Christmas and of course I saw all these ideas, why don't you look at them. It was all I could do to rip that child away and get him back to school work. My felt stash is really low, so we will go this weekend and get a few yards to bulk it up and then get busy. 

I have started a new stitching project. It's free hand, which I'm LOVING. I've had this idea brewing so nice to get it out. I just don't know yet if it will be a wall hanging on it's own, or part of a quilt.

Other then that, just a lot of doing. Trying to get projects done, and other projects started. Ethan reminded me today just 37 days until Christmas. After my breathing attack, we started to make plans. But after Christmas, we have planting season. ARRRRRRRR Time is just flying so fast right now. Just awaiting the first of the seed books to start rolling in. We are adding Pineberries, they went on a deep sale and I jumped. I wanted them last year, but refused to pay that price. I all ready have plans on where to put them. So exciting. Pineberries are white strawberries, that taste like Pineapple.

On the Mortgage Front, throwing every dollar we can at the Mortgage to be at 110k before we try the re-fi again. Math wise I don't see us being there. But I'm going to give it my all, because the less we re-fi the less the payment, and we were all ready looking good with the last re-fi, this will just make everything better. Sitting at 114,380. Racking my brain to scrap up 380, but just can't do it. Keep hoping something will come up to get us into the 113's and then the 112's. Oh well, looking good right now, just need to keep on track. 

Friday, November 14, 2014

Mortgage Challenge & Weekly Update

I know for the most part we are lucky. With the current cold storm hitting most of the nation. All we got were cold temps and some ice. So today the boys went out and found all the ice and played with it. How exciting. (ok no not really)

They then tossed it off the deck and broke everything into pieces.

Weekly update, IDK just a lot going on. Still working on the squash. One hopes I can have it done by Thanksgiving? Although still have carrots to pull and can. ARRRRR I have a penguin army going on here. More on that later.

Did finally find a turkey today. So the boys are happy. 

With the current cold snap, we have had all animals in the house 90% of the time. Which makes for a very, very small house. 

Still recovering on the Mortgage front. Started back this week paying the extra weekly money. After some thinking, I think we want to be at 110,000 when we try to re-fi again. So we have decided that every spare penny will go towards that. No idea if we can get there. But hey, we can try. That would help in a lower payment which would in turn help us in the long run paying down the house. Currently at 114,570.00

Sunday, November 9, 2014

Paying For Christmas

So Christmas is about 46 days away. Most of the time by now I would be FREAKING OUT. But this year we have a plan. Last year as budget allowed I would get one thing a week and we did ok. We don't go over board, but I'll tell ya Lego's are expensive! By the time you buy a few sets each, you could have paid your mortgage payment. Add in the fact that my youngest has been begging for a kindle. Well actually an XO tablet, but after all the issues with Ethan's. No way. Who can just flat out afford a kindle, and well a case, and a kindle protector. 

Well actually I can. Actually Christmas is nearly all done and paid for an in the closet. Whoa, hold the phone, WHAT? 

Tell ya my little secret. A few years ago I discovered swag bucks. Back when I was working and would try and do about 100 points or so a day. No big deal, just had it on when I was on the computer. And then as we sat down and made some money goals last year, I was asking myself how can I help? Logically money wise it would costs us too much for me to work. So I needed something at home. And it's not like we need a lot of money, just a little something. And I thought again at swag bucks, if I really sat here and did it I can do about 360 in points a day, which is 25 dollars a week. And in about 6 weeks I had enough for a kindle. I had all that saved and tucked away and then amazon put the kindles on sale, oh how I jumped on that. I was able to buy a kindle, case and everything all for 150. I paid nothing out of pocket. I have been cashing in 5 and 10 dollars in amazon money for Lego's. As I get enough for the next set on the list I buy it. 

I have spent probably 400 dollars so far, and the most out of pocket I have spent is 6 bucks. (I forgot taxes one time) Oh well, I got a 115 dollar set for 6 bucks. I'm not too worried about that math.  Mind you I have been really swagging hard since our trip in July. Yes, I have been Christmas shopping since July. And no the kids are not getting a lot, but have I mentioned Lego's are expensive? 

After I'm done with Christmas, I plan on getting more off our Amazon list. But I won't be aiming for the 360 a day. It's a lot. 

Swag bucking is easy, it's so easy my husband does it when he is home. If you buy something, you may want to see if you can do it through the site and really earn some swags, but really I just do the videos. I search, I watch the TV, on the site. If you go up to the Discover button and hit encave there are all your videos. Really easy to put one on and cook dinner or such. But if you are looking for a little something extra. Play around with it. Once you earn some swags, go up to the rewards and cash them in. I always cash them in for amazon money. OH last spring I used the paypal option and bought a lemon tree. 

I will tell ya I have never bought anything through swag bucks. I always just watch the videos, or search or some days I just sit here and play around. 

It's not a lot, but it adds up and it's helping me stay on track for paying down the house. I do not have to take money from the "extra" Mortgage payment to get this Lego set or that one. 

So if you want to try it out for yourself, here is the link.   or click here


Thursday, November 6, 2014

Mortgage Challenge

Well its' been a day here. After lots of going back and fourth with Mortgage guy. Mortgage guy back and fourth with appraiser guy. And we are just not going to get the appraised number we need to move forward right now. We've had a rush of short sales in the area, which has tanked our market in my area. Lovely. So we decided to wait 3 months and look at comps and maybe try it again?

So before I got off the phone with him, I was logged in paying my payment. I am never late and was very close to being late, thinking we should be closing this week? Although the appraiser took well over a week to get his report in. 

So next week we will, start back up on the weekly payments again. And when we talk again we should be in the 111k range.

So nice to have that stress for now off of us. Now to dive into Christmas stress. We have a lot going on between now and the end of the year. After the new year we have a garden. And here I am still harvesting.ARRRRRRRRRR

Current mortgage at 115,000

Sunday, November 2, 2014


ScareKid was born today. Isn't he just so Awesome? As you can see daddy has grown a pot belly. May have to start walking him around the neighborhood!