Wednesday, December 31, 2008

CVS 12/28 - 1/3

(4) Pantene - $14
Random Christmas decoration - $.49
Schick Intuition - $8.99
(2) Colgate - $5.98
BOGO Dawn - $1.49
Carmex - $1.69

Coupons Used: 
$1 Dawn
(2) $1.50 Colgate
$1.60 Carmex (gotta love when a free item coupon, can't actually get you a free item.)
$2 Intuition
CVS $2/$8 Haircare
CVS $3/$15
$13.98 ECB, and $5 ECB

Total OOP: $1.64

Earned: 
4 ECB (Pantene), 5 ECB (Intuition), and 4 ECB (Colgate)

It looks like my year to date CVS savings is about $3500!

Free Stuff of 2008!

So even though my husband has frequently laughed at this, I have been keeping track of most of the free stuff I've gotten this year.  This list excludes CVS stuff and random tiny freebies, but I've kept track of most of the major ones!

$25 – Cuisinart Promotion

$15 – Walgreens survey

Lenox serving tray

Sanduko knife

Cake server

$114 from Pinecone Research

$21 from Buzzback 

Aveeno House Party Package

Clean and Clear Bzzagent package

$32.50 Amazon.com gift card from Baker Street Solutions 

$10 Amazon gift card from Socratic Forum

Allure promo gift bag

UCLA Studies - $2

$25 B&N GC from Mypoints

$101 from Surveyspot 

$21.50 from HCD 

(2) bear naked packs – 30 granola. Teeshirt and tote bag

$5 Amazon gc from Swagbucks.

Also, I have over $90 coming back to me from Ebates, from shopping online.

It's really fun to see how much all of the little things have added up to this year.  It's almost $300 in cash alone!

Sunday, December 14, 2008

CVS 12/14-12/20

I haven't updated this blog for awhile, because basically I was failing miserably at CVS.  Without any $/$$ coupons, I had been running through ECBs very quickly and have been spending more and more OOP. (over $20 on one occasion!)

Finally, I feel like I have had a pretty good week:

(2) Colgate total - $2.99 each
Dove 2pk beauty bars - $2.49
(2) Pantene Shampoos - $5.99 each
(2) St. Ive's lotions - $5 each

Coupons Used: 
$1 Dove
(2) $1.50 colgate
(2) $2 Pantene
$3/$10 haircare CRT
9 ECB and 10 ECB

OOP: $1.16

Earned: 4 (Colgate), 4 (Pantene), 1 (Dove), and 5 (St. Ives) ECBs

So overall, it was a loss of 5 ECBs, but that was because I decided that I should get the St. Ives even though I had no coupons for it.  


Sunday, November 2, 2008

CVS 11/2 - 11/8

CVS hasn't been too exciting lately, and unfortunately I've been spending more and more OOP.

Transaction #1:

Burt's Bees chapstick - $3.29
(2) Crest Pro Health - $3.49 each

Coupons Used:
(2) $1 off Crest
4 ECB

OOP: $4.80

Earned: $6.98 ECB

Waldbaum's 11/1

Waldbaums is tripling coupons this week and I was really excited after this transaction.

Betty Crocker Hash Browns
Betty Crocker Muffin Mix
(2) Honey Nut Cheerios
Betty Crocker Chocolate Chip cookies
Betty Crocker Oatmeal cookies (I forgot the coupon for these, so this deal could have actually been better.)

Total before coupons and sales: $20.84
Scanning the card took off: $10.25
Coupons Used: 
$.75 off BC potatoes - tripled to $2.25
$.55 off cookies - tripled to $1.65
$.55 off cereal - tripled to $1.65
$.45 off muffins - tripled to $1.35

(Actually I just realized that one of the cereal coupons didn't scan either.  *coupon sadness*)

Anyway, the grand total OOP was $3.69!! :)
  

Sunday, October 5, 2008

Waldbaum's 10/2 - 10/9

This is a great week at Waldbaum's if you are looking to stock up on pasta.  Right now Ronzoni Smart Taste pasta is 10 for $10.  There are $1 coupons in this week's Smart Source circular.  
Free pasta!! :)

CVS 10/5 - 10/11

I skipped CVS last week, since the deals weren't too stellar.  I almost skipped again, but decided that I could really use the cold medicine since I am sick and running through my stockpile.

Transaction #1

Breeze 2 Meter - $14.99
Vitamin water - $2.29
Always Infinity - $4.98

Coupons Used:
$14.99 Breeze 2
7 ECB

OOP:
$.29!

Earned:
10 ECB, 2.29 ECB, and 4.98 ECB

Transaction #2

Colgate Maxfresh - $2.99
(4) Tylenol Cold medicines - $24.00

Coupons Used:
(2) $1 Tylenol
$1 Colgate
$3/$15
1, 2.29, 4.98 and 10 ECBs

OOP:
$2.72

Earned:
2 and 10 ECBs


Monday, September 22, 2008

Perceptions of money

I am a high school English teacher.  This is what one of my colleagues had to deal with today:

Rude Student: What is the easiest English class that I could take in 12th grade?
Teacher: *tries to blow off the question* That's a bad attitude.  They are all hard.
Rude Student: Well, I figure, why should I even try?  I could get my GED and still make more money than any teacher in the school.
Teacher: *furious* You should really get out of my sight now.

There are really no words.  Needless to say, I'm not really feeling too thrilled with my job right now if this is what I am up against.

Sunday, September 21, 2008

CVS 9/21 - 9/27

Transaction #1

L'oreal bare naturale eyeliner - $7.99
Nivea for Men - $4.99
Adidas - $5.29

Coupons Used:
$2/$10 CVS
$1 L'oreal
$1 Nivea
$1 Adidas
3 ECB, 3 ECB, and 5 ECB

OOP: $2.71

Earned: 3 ECB, 4.99 ECB, and 4 ECB

Transaction #2

2 Ponds wipes - $10 (These had the free movie ticket codes on them as well.)
Hershey Hugs - $2.50
Ambi soap - $1.99

Coupons Used:
(2) $1.50 Ponds
$2/$10 CVS
4 ECB and  4.99 ECB

OOP: $.79

Earned: 3 ECB and 3 ECB

Transaction #3

(5) Hershey Hugs - $12.50

Coupons Used:
$2/$10 CVS
3, 3, and 3 ECB

OOP: $1.63

Earned: 7 ECB

Sunday, September 14, 2008

CVS 9/14 - 9/20

(4) Skippy Peanut Butter - 6/$10
(2) Ragu Sauce
CVS toilet paper - $5.49
Revlon makeup primer - $9.99
Ambi soap - 1.99

Coupons Used:
(2) .25 off Ragu
(2) .75 off 2 Skippy
$2 Revlon
$2/$10 CVS
5.99 ECB
6 ECB
6 ECB

OOP: $3.48

Earned: 3 ECB, 5 ECB, and 3 ECB

All in all, I would judge this to be a very successful trip.  :)

Sunday, September 7, 2008

CVS 9/7 - 9/13

This was an awesome week at CVS!  I finally got my OOP to be under $1 again, and the cashier got really excited when she saw my total go so low and then got even more excited when she saw all the ECBs print out! :)

Transaction #1

Contour Meter - $14.99

Coupons Used:
$14.99 off Contour

OOP: ZERO!

Earned: 5 ECB!

Transaction #2

Starburst Candy - $.50 (filler)
Right guard Extreme - $2.99
Soft & Dri - $2.99 (it hurts me to spell DRY like that)
Soft & Dri - $2.99
Revlon Nail Polish - $3.99
Revlon Nail Polish - $3.99
L'oreal Revitalift - $5.99

Coupons Used:

$2/$10 CVS
(3) $1 coupons for the Soft & Dri and Right guard
$1 for L'oreal
$2 CRT for Revlon (I had $2 off color cosmetic coupons, but they wouldn't scan and the cashier wouldn't take them.)
5 ECB and 9.99 ECB

OOP: $.82!

Earned: 5.99, 6, and 6 ECBs

So overall, I had a profit of $2.18! :)

Wednesday, September 3, 2008

Getting rid of debt...

Lately, we have been focusing on getting out of debt and sticking to a budget.  Well I just made ANOTHER car payment.  In fact, I've paid them so much online that they won't even let me do it anymore.  Instead they changed the due date of my loan to March 2009.  So I will be mailing them a check for $4200!  So after that is applied, the car loan will be around $5500!  I can't believe the end is so near, especially since the loan started out at an awful $20,000.  Since July 1st, we have paid $9229.86!  

I'm getting excited about this! :)

Sunday, August 31, 2008

CVS 8/31 - 9/6

Transaction #1

Accu-check Diabetes Monitor - $9.99
Cover girl lip gloss - $5.99

Coupons Used:
$2/$10 CVS
2, 5, and 5 ECBs

OOP: $2.49

Earned: 9.99 for the monitor and 5.99 for the lip gloss

Also, there is a mail in rebate on the monitor for $9.99.  

Transaction #2:

Bounty 8 Pack - $6.49
3 pack knee high stockings - $1.99
Lysol wipes - $3.69

Coupons Used:
$1 off Bounty
$1 off Lysol
$2/$10 CVS
5.99 ECB

OOP: $2.36

Earned: Nothing :(

Sunday, August 24, 2008

CVS 8/24 - 8/30

The sales at CVS this week were not very exciting so I only did one transaction.

(2) Stayfree Maxi - 2/$9
Kotex liners - $1.49

Coupons Used:
$1 Kotex
$2/$10 CVS
BOGO Stayfree - $4.50
2 ECB

Total OOP: $1.53

Earned 5 ECB and 1.49 ECB

So I made a profit of $2.96, which covers the 3 ECBs that accidentally got thrown away last week.

Thursday, August 21, 2008

Getting rid of debt

I've mentioned it before, but my car loan is making me crazy.  Ever since I read The Total Money Makeover by Dave Ramsey I have been doing everything I could to get rid of this debt.  In fact, I realized that since July 3 I've paid $5026.89 for my car.  It's currently at $10514.81 with an $800 payment pending, so I will finally be below $10k.  

I can't say that buying this car was a mistake, but paying for it definitely has been a financial burden.  Though I knew that the payments were pretty high, taking out the loan was not something we questioned.  Next time around, I want to pay for a car in cash.

Edit: $9719.94 to go!

Sunday, August 17, 2008

Waldbaum's 8/15 - 8/21

There is a really great deal at Waldbaum's this week that I would like to point out, though it's YMMV as to whether it will work or not.  First, you need to go to a Waldbaum's that doubles coupons.  Also, you need to go to a store that will accept internet coupons.  The cashiers might not take them, but you can use them through the self check out since they are valid coupons.

General Mills cereals are on sale 4/$6 this week.  If you bought 4 boxes of Cinnamon Toast Crunch and used 4 $.55 off coupons it would cost $1.60 or $.40 a box!  The coupon can be found on the coupon application found on the right side of my blog.

Here are some other good deals that can be found at a store that doubles coupons:

Buy Chex Mix for $1.50 and use a $.50 coupon found in the 8/10 Smart Source circular.
Buy 2 Knorr Lipton side dishes for $2.00 and use the $.75/2 coupon found in the 8/17 Red Plum circular.
Buy Dove deodorant for $1.99 and use the $.75 coupon found in the 6/8 Red Plum circular.
Buy Lysol Healthy touch hand sanitizer for $1.99 and use the $.75 coupon found in the 8/3 Smart Source circular.

CVS 8/17-8/23 and Rite aid too


Transaction #1

(2) Oral B Indicator Toothbrushes - $3.98
Revlon Lash Fantasy - $7.99

Coupons Used:
CVS $2/$10
$1 off 2 Toothbrushes
$1 off Revlon
5.79 ECB

OOP - $2.53

Earned 2 ECB and 5 ECB

Transaction #2

Olay Ribbon Body wash - $1.25 (found in clearance)
(3) Puffs tissues - $2.64
Crest toothpaste - $1.99
Maybelline mascara - $4.99
CVS tissues - $.50 (I went negative)

Coupons Used:
$2/$10
$1.50 off Olay (overage!)
$1 off 3 Puffs tissues
$1 Maybelline
$1 Crest
5 ECB

OOP: 24 cents!!

Earned 1 ECB and 2 ECB

Then I went the Rite Aid where I bought 4 St. Ives Elements products that are BOGO this week.  I used 2 BOGO coupons and I just paid $1.17 in tax.  Rite aid made me sad a few weeks ago when all their FAR were out of stock early on a Sunday morning, but I'm starting to like them a little more now.

So I saved $62.72 and spent $3.94 OOP today.

Saturday, August 16, 2008

Car insurance

Last night I finally added my husband to my car insurance.  He very rarely drives the car, but we were nervous about him not being on the policy and also if the policy would increase with another driver.  It turns out that our policy actually went down!  It went from $733 per 6 months to $643.  I just got renter's insurance that cost about $90 for the year, so the change in car insurance covers that expense.  Also, my account was already paid off until October and now actually has a $28 credit.  I guess my concerns about adding him were silly and we probably should have down it awhile ago.

Consolidating bank accounts - Part 2

So my husband and I went to the bank today and closed our two joint accounts.  Amazingly, it was pretty painless.  We transferred the money - about $1800 - to my personal checking account.  I'm really trying to pay off the car, but it just seems like it never goes down.  I paid $500 for the car a few days ago and then I tried to pay the $1800 today but it wouldn't let me do it because it was "too much."  I paid $1000 for now and I will try it again in a few days.

When we bought the car we really had no idea what we were doing.  The rate is 8.93% which I think is pretty bad.  We still owe $11,959 since the two payments have not been applied to the balance yet.  I'm so ready to get rid of this loan.

I also signed up for online banking.  I'm not exactly sure why I bothered, because like I said, my bank is pretty awful.  But I guess it would be good to be able to check the balance on my account more often since there have been problems in the past.

Wednesday, August 13, 2008

Consolidating bank accounts...

Every time I go to the bank, I become very aware of the fact that my name is on way too many accounts.  Part of it is not my fault.  After my father died, my mom added me as a joint account holder on three of her accounts.  I have savings and checking accounts in my name only.  I also have joint checking and savings accounts with my husband.  Keep in mind, this is all at a bank that I don't even like.  It was the bank my parents went to and my first savings account was there, so I never bothered to change.  This bank has messed up my accounts SO MANY TIMES.

 (Quick story: so a few years back I wrote a $400 check to my credit card.  For some reason, the check was drawn twice from my checking account, but only on my bank's end.  So $400 went to the credit card and $400 disappeared.  However, I didn't have an extra $400 in my checking account so it went into overdraft protection and was taken from my savings account.  I discovered the mistake when I went to an ATM and saw my balance was 0.  The manager of the bank was perplexed and fought with me about putting the money back into my account.  I was able to show her that it was the same check that cashed twice, but she still was trying to blame me.  When I demanded that she reimburse my account for their error she basically laughed at me.  The next day, I received a letter from the corporate offices and they told me about the error and fixed it and waived the fees.  I went into my branch with the letter to tell them that the problem was solved, and the manager tried to take credit for fixing the problem. Um. No.  Unfortunately, stupid things like this happen at this bank every few years, but I stupidly remain a customer.)

So anyway, in addition to the 4 accounts at the stupid bank, my husband and I also have an ING savings account.  On his own, he has at least 3 accounts. (I think?)

Last year, we divided the bills and split the rent, writing two checks each month.  Our system was *okay* but I really had no idea how much he was spending and he didn't know how much I was spending.  However, in the new apartment we have the rent taken directly from his checking account.  That is the only way they accept rent.  It had to be from his account because he gets paid more regularly than I do: every two weeks vs twice a month.  With August being a 3 paycheck month for him, it made it easier to take it from his account to make sure we would be okay.

However, that means basically all of the bills fall into my lap now, since 3/4 of his monthly take home pay is going to rent.  So I'm pretty nervous and I'm wishing that we would have been able to consolidate our finances better instead of being so separate.  I know some of these accounts definitely need to go.  We're most likely going to close the joint checking and savings accounts at the stupid bank because we kind of forgot about them anyway.  Most of the money in those accounts will go to paying off the car.  

Then I don't know what to do.  I like having my own accounts, but is that sloppy and confusing in a marriage?  Would it be easier to just throw all of our money together?

Sunday, August 10, 2008

CVS 8/10- 8/16

Transaction #1

(4) bags of dark chocolate M&Ms
(1) bag of almond M&Ms

Total before Tax: $10

Coupons Used:

(2) $1.50 off 2 bags of dark chocolate
$2/$10 (Tried but denied)
5 ECB

We ended up paying $2.76 OOP and earned 5 ECBs.

Transaction #2

(2) boxes of Fiber One cereal - 2/$5
Alavert - $5.99
Children's Advil -  $5.79
Skin Effects - $6.99
Birthday card - .99

Coupons Used:
$.70 Fiber One
$1.00 Fiber One
$1.00 Advil
$2.00 Skin Effects
$4.00 Alavert
2 ECB, 1.50 ECB, 4.99 ECB, and 5 ECB

Paid $2.57 OOP
Earned 5.79, 5, and 3 ECBs

Both deals would have been perfect if I was able to use the $2/$10.  Hopefully I can get it to print clearer, since that seemed to be the issue.  I'm so nervous that my stores will start rejecting internet coupons completely.

Tuesday, August 5, 2008

Moving...

So after a whirlwind of craziness and insanity, we moved on Friday. Like I said, we decided against buying the co-op. So instead, we are renting a 2 bedroom apartment in Queens. The rent is $1500 a month. It's a lot, but it's "normal" for the area. What I'm worrying about more than the rent though is the huge amount of money that has been spent in the move. We had to come up with $4500 to get the apartment (1 month rent, broker fee, and security) but we've been spending SO MUCH money elsewhere as well. I bought air conditioners, some rugs (80% of the floor is supposed to be covered), and other random things that we needed. We had been so excited to do a proper written budget, but everything is just completely crazy right now.
I'm trying to stay positive, but really, it is not normal to move twice after being married for just 10 months. I know this apartment will be better for us, but I'm angry that we were forced into this situation.

Sunday, July 27, 2008

CVS 7/27 - 8/2

Sadly, my CVS was out of stock of the Garnier products for this weeks deal, so my CVS fun was cut short today.

Transaction #1 and only:

Revlon Limited Edition Product - $9.99
Tums Quik Pack - $3.69
Duracell 9V battery - $2.99
(2) Dove Chocolate bars - $1.00 (This wasn't planned but I couldn't resist. It's part of the candy deal though, so I will probably finish that up tomorrow when I go searching for Garnier.)

Coupons Used:
$2.00 Revlon
$2.00 Tums CRT
$2.25 Tums
10 ECB

Received 9.99 ECB for Revlon

Paid $1.59 OOP

Does anyone have a spare Tums rebate form?

Tuesday, July 22, 2008

where do we go from here?

We decided against buying the co-op, and now are in a mad rush to find an apartment to rent. Basically, even though we really liked the apartment itself, the financials of the co-op weren't that strong. There was a 10 million dollar balloon loan out on the building that would need to be paid or refinanced in 3 years. We had no way of knowing what the co-op would do if it needed to raise the money to pay it. Maintenance for the apartment was already pretty expensive (about $875 on top of the mortgage payment) and it could just keep going up. Also, even though the flip tax now on the apartment wasn't that high ($3000 would have to be paid to the co-op when we sold) it could theoretically go as high as 20% like many other apartment buildings in the area. Even though we wouldn't have to pay that theoretical 20%, it would definitely hinder our ability to sell. (That's at least 50-60k right back to the co-op!)

Another reason we decided to not purchase the apartment is that NYC is not where we want to be living in the grand scheme of things. We were being pushed into making a decision (it's a long, dramatic story), and buying the apartment would have tied us to this area for much longer than we were comfortable with. We would have to hold out on what we really want for even longer just to be able to recoup our expenses and make the purchase "worth it." What I had the hardest time truly dealing with is that even though I would be spending 255k on a "home" it really wasn't on a home at all. It was 255k in co-op stock or shares that allow us to live in the designated apartment. Even though I'm sure I am being overly paranoid, this just didn't sit well with me. I would never take out a 195k loan to pay for shares in the stock market, so why would I do this? I obsess and I worry far too much to put my entire future in the hands of strangers.

Another issue that I had was that the apartment was really nice. Why is this an issue? Because even though it was "really nice" it was not what I "wanted." I feared that it would make us complacent, and that we would just "settle." We would stay there because it was fine, and I would never get the kind of house that I really wanted. As silly as this sounds, I often look at houses in other areas and as wonderful as I think it would be to live there, I still feel like I will never be able to leave New York. But now, since my husband and I came to this decision to not buy the apartment, I finally feel like maybe we actually will be able to leave. We are making a plan and making a budget. For the first time in my life, I want something more than I just want "stuff." I look around our overly crowded apartment now at all our "stuff" and I just don't want it anymore. What I want more than anything is to be free of it all.

So this brings us back to renting an apartment. Yeah, it is ridiculously expensive to rent in New York, but we were about to spend 2100 a month on a mortgage and maintenance anyway. At least now I feel like we will be in control.

Monday, July 21, 2008

Waldbaum's - 7/21

Recently I joined "The Grocery Game" to see if I could start getting better deals at Waldbaum's.  I was able to score a pretty sweet deal today, that wouldn't have been possible without the help of "The Grocery Game."  18-22 Ct Kotex Panty liners are on sale for $1 this week, but I didn't see it advertised anywhere else except that site.  Well, there were $.75 coupons in the circular this week and my Waldbaum's doubles them.  So the panty liners were free and gave me a 50 cent overage. (I get waaaay too excited about things like this.)  
I did two transactions at Waldbaum's today, but this one made me really happy:

Kotex - $1
(3) Honey Nut Cheerios - $6.72 (2.24 each)

Total: $7.72

Coupons Used:
Cheerios - $.50 x 2 ($1.00)
Cheerios - $.50 x 2 ($1.00)
Cheerios - $.50 x 2 ($1.00)
Kotex - $.75 x 2 ($1.50)
Waldbaum's coupon - $1.50 off 3 cereals

Grand Total: $1.74!

CVS 7/20 - 7/26


This week's sales at CVS weren't really too exciting, and I was much too lazy to take full advantage of them.  Hence, the transactions I did could have been done a lot better.

Transaction #1

CVS baby wipes - $2.00
Clean and Clear Scrub - $6.39
(2) Clean and Clear Oil absorbing sheets - $9.98
L'oreal Shampoo and Conditioner - $4.99 BOGO

Coupons Used:

L'oreal BOGO - $4.99
$3/$15 CVS
$2 CVS skincare
(3) $2 Clean and Clear
ECBs: 2, 1.98, 1

OOP: $1.67
Earned: 5 ECB

Transaction #2

(2) CVS baby wipes - $4
L'oreal Shampoo and Conditioner - $4.99 BOGO
Essence of Beauty hand soap - $4.99
CVS hand sanitizer spray - $1.79

Coupons Used:
L'oreal BOGO - $4.99
$3/$15 CVS
$2 CVS skincare
CVS hand sanitizer - $1.79
2 ECB

OOP: $2.57
Earned: Nothing :(

Transaction #3

CVS baby wipes - $2.00
CVS cotton swabs - $1.50
L'oreal Shampoo and Conditioner - $4.99 BOGO
Essence of Beauty hand soap - $4.99

Coupons Used:
L'oreal BOGO - $4.99
$3/$15 CVS
$2 CVS skincare
2 ECB

OOP: $2.03
Earned: Nothing :(

Transaction #4:

(2) CVS baby wipes - $4
CVS cotton swabs - $1.50
L'oreal Shampoo and Conditioner - $4.99 BOGO
Trident gum - $1.49 BOGO
Essence of Beauty hand soap - $4.99
Coke Zero - $1.59 (not pictured - I was thirsty after all my trips to CVS!)

Coupons Used:
L'oreal BOGO - $4.99
$3/$15 CVS
$2/$10 CVS CRT
$2 CVS skincare
$1.35 Coke - (it was supposed to be free, but the max value of the coupon was less than the high price at CVS)
4 ECB

OOP: $1.90

Earned 5, 5, and 1 ECBs for the baby products, EOB soaps, and trident

GRAND TOTALS:
$12.98 ECBs spent
$8.17 cash spent

$16 ECBs Earned - $5.15 loss

I could have done better if I broke the baby products into more transactions to use the $2 CVS skincare coupon more.  But since there wasn't a lot of other stuff that I needed, it really wouldn't have been worth it to me.




Monday, July 14, 2008

CVS deals 7/13 - 7/19



I did pretty well this week at CVS. In the past I found myself buying tons of things that I didn't need so that I would be able to rack up ECBs. Now that I have a pretty good pile of ECBs to work with, I'm able to buy more things that I actually need. I've also been trying to buy more and more groceries at CVS to help lower my grocery bills.

Transaction #1

Airwick Mini - 4.99
Bayer Heart Advantage - 4.99
Maybelline Mascara - 5.99
3 Sally Hanson Nail Polish - 2.97
2 Skippy Peanut Butter - 2.89 (BOGO)

Coupons Used:
$1 Maybelline
$2 Bayer
$2.97 Sally Hanson
$3/$15 CVS coupon
$4 Airwick
$8 ECB

OOP $1.11
Earned 2 ECBs for Bayer and 2 ECBs for the Maybelline.
Saved $38.56

Transaction #2

3 Sally Hanson Nail Polish - $2.97
2 Honey Nut Cheerios - $4.29 (BOGO)
2 Bic Soleil Refills - $6.99 each

Coupons Used:
(2) $1 Cheerios
$2.97 Sally Hanson
$3/$15 CVS coupon
(2) $4 Bic Soleil
$5 ECB

OOP $1.02
Earned $5 ECB for the Bic Soleil
Saved $31.06

Transaction #3

Neutrogena Mascara - 5.99
CVS Makeup Removing Wipes - 2.99
Excedrin 50 ct - 8.29

Coupons Used:
$2 Excedrin
$3 Excedrin CRT
$3/$15 CVS coupon
(cashier didn't scan my $2 CVS skincare coupon. oh well.)
$10 ECB

OOP Paid $.26
Earned $4 ECB for the Neutrogena and $1 ECB for the wipes
Saved $20.00

Transaction #4

Airwick Mini - $4.99
(2) Maalox - $6.49
(2) Gold Emblem Cashews - $.99

Coupons Used:
$1 CRT Cashews
$3/$15 CVS coupon
$4 Airwick
$5 CRT Maalox
$5 ECB

OOP $1.75
Earned $10 ECB for the Maalox (and Excedrin)
Saved $23.50

See more great deals at The Centsible Sawyer!

Thursday, July 10, 2008

What this blog is all about...

Starting this blog is my attempt to keep myself accountable on my journey towards financial freedom.  I have become obsessed with reading blogs about personal finances and saving money, but I've noticed that many of them are located in areas where living frugally is a much more viable option. 
 
My husband and I live in Queens, New York.  We are just starting the process of buying a co-op apartment.  While doing research about buying homes, it was basically reducing me to tears that our apartment costs so much more than houses in other areas.  Unfortunately, we were basically backed into a corner with the decision to go forward with purchasing the apartment.  We have to leave the apartment we are currently in - a one bedroom for $1275 a month.  We definitely needed something bigger, so finding a two bedroom in an area that would have been good for both of us would have brought us to at least $1500 a month.  Keep in mind that rent would increase by at least $100 every year that we decided to stay there.  Additionally, I would most likely also have to pay for a parking spot for my car, adding another $75 a month.  After weighing all of the options, we realized that buying an apartment would make the most sense for us in the long run.

Thus, I bring you this blog.  Welcome to our journey.