If you are thinking about signing up for Ting cell phone service NOW is the time!
By using my referral code (or another SAer's link) you will get $100 towards a phone and / or service.
To sweeten the deal just a bit more, many of the high end smartphones are on Black Friday sales.
Happy Saving to you all!
Happy Thanksgiving to my SA friends!
I am watching the Macy's parade with DS right now.
He was excited to see the Thomas the Tank balloon - so cute.
Have a wonderful day everyone!
As many of you know our house has needed a new roof pretty much from the time we bought it. We have been limping our old, original-to-the-house roof along by patching spots and last year a tarp over the worst spot.
Well, DH collected estimates from six contractors last month ranging from $9700 to $16600. We chose to go with a company who has been in business in our town for 40 years. DH signed the contract and I selected the shingle color last week.
(I think it is a good mix of brown and grey.)
We also added two 10" round skylights to the job to brighten up our dim hallway.
The contract price is $13,320. *Deep Breath*
We have the HELOC to pay for the job.
DH asked if there was a cash discount and was told "No". Then he asked if there was an additional fee to use a cc and was told "No". So, I will first charge it to a credit card for the points then pay off with the HELOC.
The only thing is any card I use is *only* going to get me 1% ($133). Which beats $0 for sure. But, I am thinking we could easily meet the spending requirements for two or three bonus paying cards.
Maybe the Southwest card and a Sapphire card?
Going to have to do a bit of thinking....
$4299 Starting Balance
- $ 15 Survey Snowflake
- $120 Regular Payment
$4164 Ending Balance
My goal is to have this cc balance at $3900 before 1/1/15.
DH and I carved our pumpkins with stencils. DD free-handed her *LOVE* carving.
Spending for Halloween was low this year.
DS was a pirate. We bought a foam hat at a craft store that my sister's hubby glued into a classic three pointed hat. Then I cut the bottoms of an old pair of his sweat pants and he wore a striped shirt of mine. Total costume cost under $4!
DD dressed as a band member of Five Seconds of Summer (new teen boy band). We bought a tshirt from Amazon that she can wear anytime. Total costume cost under $20.
$23 - Costumes
$12 - Pumpkins
$ 8 - Candy
$ 8 - Decor Items
$ 2 - 24ct Glow Bracelets
Beautiful weather here. Some hot days in the last two weeks - many around 90F!
It was 78F yesterday and going to be about the same today. This weather makes it perfect to be outside doing just about anything.
Yesterday I pulled the old, dry cornstalks out of the garden. Then DH and DD arranged them in bunches out in front of the house for Halloween decoration.
For me that is the definition of Frugal!
I also harvested a zucchini and several tomatoes. All the tomato plants are still producing and the sun is getting those green ones to ripen up nicely.
Here is some earlier garden pictures I had meant to share...
DS helping water.
Some of our bountiful cherry tomato harvest.
I'm thinking about planting a few things for a winter garden, but haven't decided on anything yet.
Since we paid off the first "Special Focus Debt", here is the next one on my list.
(What I mean by "Special Focus" is the debt that I will apply any snowflakes or found money to.
It's my Special project. )
$4342 -- Starting Balance
- $40 -- Snowflake Payment
- $ 3 -- Psychological Gratification
$4299 -- New Balance
Yesterday was DH's 39th birthday. I was going to take him out to a nice dinner, but he decided he'd like to have something simple at home. (Maybe dinner out this weekend.)
The kids got him a cute card. I bought a Groupon for golf ($21) that he and DD can do together.
We signed the HELOC documents at the title company this afternoon. It is supposed to close by the 14th. Meanwhile, we have several roofing estimates coming in.
The weather here has been hot the last week. It has felt more like July than October. Our tomato plants are still growing and the green ones are turning red very quickly with all the sun. I have been meaning to post garden pics... maybe next time..
I'm off to watch the baseball playoff game.
We had a little rain early Thursday morning and again this evening. The weather has been very mild for weeks and the rain didn't change that - still mild. Plus the rain makes everything smell so nice and fresh and we can certainly use the moisture.
Our loan officer from the CU left me a voicemail that she was completing the documents today. DH and I will sign early next week and the money will be available by next Friday.
DH has contacted several roofing contractors. Some have come to the house already, but we don't have any written estmates yet. We want to get moving on the roof ASAP.
DH's side work profits were used to get the truck's water pump replaced (finally), two new tires and a few other odds & ends replaced (wipers, filters, etc.)
$1451 in auto parts and repair
It is the start of a new 4H year.
Yearly membership dues and two pre-purchase tickets for the large fundraising dinner came to $71.
DD is in the Honor band at school this year. Band camp weekend for $135.
I bought a Groupon for the Pilates studio I used last year for $89/eight classes.
I went kayaking last weekend with a girlfriend. $55 for the all day, 11 mile trip down the river. It was beautiful and relaxing, but....
My back was so tight after kayaking that the following day I had a spasm and threw my lower back "out". Had to see a chiropractor yesterday to pop everything back in place. (Primarily the left side of my pelvis.) I haven't used a chiropractor in over 13 years, but I really needed help.
$45 and worth every penny!
Everything (including $900 to debt payoff!) was paid using side money. WooHoo! Keep it coming!
DH and I have both been blessed by some side work this past week. I have a dog that I am pet sitting at our home for two weeks and DH installed a furnace and new duct work for an acquaintance last weekend.
I decided to use the cash I made and some of what DH made to PAYOFF the "Special Focus" credit card.
$876 - Previous Balance
$0 - Current Balance
DH and I discussed the need to get a new roof on the house this year. And the need to not drain the EF completely. The solution that made the most sense was a HELOC (not that we are excited to take on more debt!). Once we decided to go that route we visited our local credit union to get some information. It felt really good to have DH participating in the process and making an educated financial move.
Because our loan to value ratio is very favorable our CU offers a zero cost HELOC. We won't be paying for an appraisal or any document, notary or closing fees.
As far as our home value I found this very interesting:
"We will not need to order an appraisal for this mortgage and will utilize the automated value of $421,400.00."
(That's quite a value - Wow! Wonder how that gets calculated? Zillow has us valued at $391,700.)
I filled out the application online from home. Then a few days later received an email from our loan officer requesting documents - W2s, tax returns, mortgage note, proof of insurance, etc. I submitted all that by fax.
Now we are waiting...
As I've previously posted we have a bee hive in our backyard. This is a 4H project that our DD participates in.
This year her hive produced enough excess honey she could harvest it.
The whole process is so fascinating. It is amazing to learn how bees "operate", the proper way to work with bees and the steps to harvest honey.
After you pull out frames of capped honey from the hive boxes you cut the wax caps off with a Hot Knife (electric knife that gets hot and cuts/melts the wax). Then you load the extractor.
This is the Extractor in our kitchen (you can see some of the wax caps on the top of the strainer).
The local beekeeping club allows 4H members to borrow the club owned electric extractor at no charge.
It works by flinging the honey out with centrifugal force.
Frames loaded inside the extractor.
DD filled jars after letting the honey drain from the extractor into the bucket for about 30 hours.
Almost two gallons of honey collected.
Most of these jars will be given as gifts.
A few might be sold - DD's project leader has customers willing to buy local honey for $20/pint.