Fiscal cliff … what fiscal cliff?

Ummm, yeah.

So, last week had some good point and not so good points.

I caved at under $20 cords from Lands End. But they are GREEN and very cute!I also ordered 2 dresses and a cardi from LE. BUT … they were all on sale.I can give you justification for all purchases. Are you ready?

Early birthday money from my Mom, plus my $45 rebate from ebates. This deposit was mainly from Christmas purchases … it really is that easy. CLick on the ebates link to learn more. So, even with all purchases, they were still under what I spent. So … kind of like free money, right? I am sure Dave Ramsey wouldn’t agree.

We did luck out and received a refund from our old mortgage company when we refinanced. I am listening to Dave and using that money to complete baby step #2 and establishing our $1000 rainy day emergency fund and making good use of the rest.

On a sad note, I did not get my Bonanno sandals as I had previously posted. Still not sure what happened, but during the 50% off sale, their website was overloaded, so I emailed in my order as it suggested on the website. I followed up with the 3 different emails I found online, received 2 responses, and then nothing. No confirmation, no money taken, and no sandals for this girl. Insert big sad face. Partly for lack of shoes, but even more so … lack of customer service.

So for now … trying to get back on the cliff and stay on it and start training for a half marathon (yes it’s now in print and official).

 

 

Advertisements

Observations: 2nd week getting unpoor

Shoes may be my arch nemesis. Heh, get it … arch.

Anywho … Stephen Bonanno Sandals turned 50 and in honor of this occasion  they had all of their sandals 50% off. I have never known this to happen. They put them on sale twice a year, but never 50% off. So, I had to justify that spending $60 now would provide good ROI since these sandals last forever. I ordered a black pair, so definitely something that I will wear over and over.

I had also allowed myself to buy a new pair of running shoes and that happened on Monday, Luckily, I scored 15% off thanks to my Hubby and his running class. Love my Brooks and I definitely needed a pair since my old ones had 400+ miles on them.

Lunches … 5/5: 4/4 packing and I worked from home on Friday, so I also ate at home.

Savings … I managed to put money into savings and also into M&L’s college funds.

HSA … this is the first time I have used my company’s health saving’s account … it is wonderful! Two prescription refills and it feels free! 

Dependent Savings Account … we are trying hard to not touch this money that we put aside. I know this is going to be a struggle, but it will be amazing if we can have $5,000 saved by the end of the year and get a break on our taxes. We shall see. The operative word is TRY.

Target … I did have a slip up. All necessities, but a cinnamon/clove candle did fall into my basket. I call it winter blues defense. There is something about lighting a yummy smelling candle and feeling cozy. Maddy and Libby love to light it for dinner. We are so elegant when we eat our pizza on plastic plates sans utensils, but with candlelight. Sigh.

So, snow.

So this is our forecast:

Image

 

And guess what we’re out of?

You got it … milk. If you are from the South, you probably just nodded your head and then said a curse word at the idea of trudging to Harris Teeter with all the other crazies out there. Plus, the shelves will be bare and you are stuck with a pint of buttermilk or a random brand of questionable soy milk.

Ou(honestly) bigger problem is that there is no coffee creamer in the house. I try to eat healthy, but there is something about the Vanilla-ey goodness of Coffee Mate that gets me every time. 

I commute about 30-40 minutes and luckily, we can choose to work for home when the weather is questionable. Our company rarely if ever will close, so I am already counting on working from the comfort of home, likely in my PJ’s, making bbq chicken in the crockpot, and hopefully playing in the snow with M&L.

I need to confess … two pair of snow pants were purchased since we don’t have any, but in my defense … they were on sale and M&L do need them. Plus, they are a size 4/5, so I am hoping they last until next year. So, I think that $20 is a necessity.

unpoor = unfun

So far, so good, but these may be the most boring posts EVER.

Highlights of the past week:

  • I have not been to Target, I have not been to Target, I have not been to Target.
  • I packed my lunch 5/5 days last week.
  • No extracurricular shopping for me or M & L.
  • Grocery shopping on Sunday and meal planning for the week definitely helps.
  • Checking out the trial on Dave Ramsey’s budgeting tools to see if I like it

Things making it hard to stay on the Fiscal Cliff 2013

  • Damn Stephen Bonanno 50% off sale.
  • Brooks Running winter sale.

But I just don’t have the heart to unsubscribe from either of those companies. Shoes … it always goes back to shoes.

Fiscal Cliff 2013

Ok, so it’s not a cliff and not really like the real Fiscal Cliff, but I may be starting my own conundrum in our household and feel like I need to jump off a cliff.

After a conversation (without wine) with ET, a discussion of no spending until July came about. Not really no spending, but in an effort to get un-poor or how many of us feel after the holidays, a way to curb spending habits and halt unnecessary spending until July 2013.

I know my triggers:

  • Target: I go in for say, laundry detergent and I leave with the detergent, new notecards, shirts for Maddy and Libby, a new sports bra, bottle of wine, huge container of animal crackers, lip gloss, hand lotion, a new type of vitamin, tights, and a travel size container of hand sanitizer. Don’t even get me started on the Neiman-Marcus items they had. Michael Kors clutch, I’m still looking at you.
  • Online shopping. Damn you Lands End, Old Navy, and Kiehl’s for filling my inbox with your offers of free shipping, $16 dresses, extra deluxe samples. I curse you. I have been an unsubscribing fool as of late.
  • Meals. This one is more family related, than to me specifically, but Hubby probably eats lunch out about 5 days a week. I have been packing my lunch and trying to limit my lunches out to 1-2 times every 2 weeks. We can also get in a bad habit of running to Harris Teeter every night when there is nothing in the fridge or picking up pizza. While I know we have to eat, we just need to be more mindful about meal planning and eating what is in our house.

We were lucky to recently pay off some credit card debt and are currently refinancing our house. Given this, I really can’t think of a better time to take an honest look at our finances, set goals, set budgets, and get to work. After all, college is expensive and will be here in 13 short years.

In the meantime, I have been working on goals that I would like to achieve. I know there are things that we have to buy, but I want to be more mindful about what we are spending.

For me:

  • No clothing purchases including running clothes until July. I have plenty of EVERYTHING and unless I lose all my socks, I shouldn’t need anything new. *Exception: I am allowed to buy ONE pair of running shoes. Mine have approximately 500 miles on them and got me through the marathon, so I know it is time and this will help keep me injury free.
  • No clothing purchases for Maddy and Libby. They received a lot of clothes for Christmas, plus a lot of hand-me-downs from a good friend. I will give myself the exception here of bathing suits (because we don’t have any in a size 4). This one is really hard, because consignment sale season is upon us and I usually find lots of good deals for the upcoming season.
  • Limit lunches out to “Payday Fridays.”
  • No more Nook Book downloads … use the free ones from the library.
  • Set goals for saving and start doing it.

I have even been researching Dave Ramsey’s Financial Peace University, but can’t quite commit right now. Has anyone gone through it and would you recommend? I do think he has a lot of good online tools and tips.

So cheers to getting un-poor in 2013. I will post updates here and try to give an honest look at what we do, the mistakes, and hopefully successes.