Ways to Obtain Money

1) Collect outstanding money
a) referral money on contracts such as home heating oil

2) Seek reimbursement from employer
a) professional fees
b) travel expenses

3) Check your safety deposit box
a) savings bonds that have matured

4) Bonuses
a) save the money for a rainy day rather than splurging

5) Credit Card Rewards Programs
a) opt for the statement credit rather than the product or gift card

6) SKIP THE IMPULSE BUYS

7) Return items by the return date that you don’t want, can’t use or have buyer’s remorse

8) Sell used items to a 2nd hand store
a) books, toys, clothes, computer and audio equipment, dvds, cds

9) Cash in coins that you have been keeping

10) Find a way to bring in extra income
a) additional employment
b) trade services with people

Pet Peeves

1) H not reading emails that I send
2) Kids do not do housework
3) Don't have a chef
4) Snow exists on sidewalks, porchs and driveways
5) They do not make diapers backwards for the child that insists on lying on their stomach during diaper changes.
6) Home heating oil is expensive

$50 Day

Plans for the Day

Lots of people plan the events of a day but do we really plan the $ cost of the day. Yesterday, I left the house with an event plan but not a spending plan.

Basketball
-snacks for three $3

Library (free)
-ordered books, rented 3 DVDs, 2 games and 5 books

Lunch
-fast food for three $12

Gas
-$38

So everything was spent on fuel (gasoline and food).

Happy V day!

2nd Look at Monthly Expenses

New
Storage Unit $60

Increased
Savings for Tuition / Pool $120 a week (needs to increase)
Babysitting $200
Credit Cards $1900 (no financing) 2nd card $320 average
Church Donations $560
Mortgage $1200, $2000, $300 (interest and some principal)

Maintained
Savings $40 a week (160)
Auto Insurance $200
Groceries $600
Electric / Gas -not clear on average yet

Eliminated
Cleaning (not currently)
Snowball payment
Water (in the process) -well water

Decreased
ATM withdrawals $20

Pink or Blue Times 2!

God has blessed us with identical TWINS!!!

Food for Daughter

Today daughter ate cantaloupe, hard boiled egg with mustard and maynaise, raisins and crackers. Interesting breakfast!

Pink or Blue!

We will let you know! We are expecting =:)
Merry Christmas!