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Every bit helps

August 31st, 2006 at 03:59 pm

Not much to report on the financial front. We've been a bit more loose on the spending in the past week and after this weekend I need to tighten up the reins again. Nothing too extravagant just ate out once or twice that was not planned. I've received some free samples in the mail - I love opening the mailbox to freebies!

So the boat is officially paid off. I called up and got the payoff amt and then received a $20 check for overpayment. ummmm, why give me the amount to pay it off if that's not the right number? Dunno, but that $20 check will go into savings. Last weekend I deposited a whopping $38.50 into the savings acct for a $5 survey check, an $8.50 rebate check and just a plastic cup full of coints. Not too shabby. So far (with this $20 check) I'll have upped our savings by about $70 for very little work. Speaking of which I have about $20 of rebate stuff to send out.

Another thing I'm doing is the Dependent Care Flexible Spending Account. I have daycare deducted from my paychecks and when I get reimbursed I will put that money into savings. I was already putting some into savings (that will end up being used to open a Roth IRA) because I am not eligible for the 401K plan at my new job until Oct 1. So instead of squandering the money I am putting away for another kind of retirement savings. BUT, my FSA check will end up being $60 more than I normally would have saved so that extra $60 is another easy way to save. In total that is about $130 'extra' saved this month that didn't take much thought and didn't hurt at all.

I'll continue to find things to do. I started my 3rd job this week (or training for my 3rd job) so my time is very limited.

1 Responses to “Every bit helps”

  1. Thrifty Ray Says:
    1157036970

    A little payoff trivia...- Banks usually calculate a payoff assuming the payment will be received in 10 days (or more)...that way, the payment will be sufficient when it arrives (in case it is mailed). It is much easier on the banks to collect a little extra up front and refund than it is to try to collect a shortage- plus less frustrating to the customer.

    Congrats on paying off the boat!!

    Three jobs with a small child?? I hope for you that this is temporary!! Aside from being a mom, which in itself is a full time job, you need to make time for YOU!!!

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