Birthday!

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Tom and I celebrate our birthdays 8 days apart.  We love the fact that we can get each other presents that benefit the both of us.  We don’t usually buy each other separate gifts, instead we get something that is mutually beneficial.

In years past we have done dinner and a show (one year it was The Lion King).  This year we decided to get each other bikes.  For a while we have really wanted to purchase bikes.  We only live a few miles from downtown St. Petersburg, Tampa Bay and the beach.  Now we can bike to these destinations on the weekends!

This is what I got:

It is the Schwinn 26″ Legacy Cruiser for $188 from Wal-Mart.  I love to work out and I especially love my spinning classes, but I wanted my bike to be more for leisure.  Tom got a bike from Wal-Mart too but we are taking his back, it was squeaky and the gears didn’t change right.

I love the fact that we can get something for each other that we will actually use together.  I can remember so many birthdays and Christmas mornings where I got presents just for the sake of getting presents.  When we make thoughtful gift purchases it makes the gift that much more special.

I truly feel like this is a gift that will keep on giving all year.

What are some birthday gifts that have been worth your money?

82% Savings at CVS + $2.99 lb London broil

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I may be slacking with my food coupons, but I am getting back into the game with my Extra Care Bucks at CVS.

I got ALL of this for $7.25!

Before coupons it was $40.74!  Plus I got $10 Extra Care Bucks back!  I am too spoiled to use disposable razors and I love the Venus razors, but they are expensive.  I was so lucky to stack these coupons together:

  • Free Olay body wash WYB Gillette Venus refill PG 6/03
  • Free Gillette Venus Razor WYB Venus cartridge PG 6/03
  • $2 off Gillette Venus Razor or refill PG 5/13
  • $4 Gillette Venus refill CVS coupon from the coupon machine

I basically got $6 off the razor cartridges and got body wash and the razor for FREE!

I used $11 in ECB from last week to buy my paper, aspirin, and hair bands.  Overall, pretty good day!  I am so thrilled with this purchase, I really get such a high off of buying stuff I actually need.

In other news, I also went to Winn Dixie to get some BOGO meat.  I was able to get 3 lbs of boneless top round London broil for $8.97 or $2.99 a lb!

I am trying hard to keep track of how much our meals cost so I can report them in this blog for recipes so I started labeling how much the meat cost as I freeze it:

Plus I got 3 bottle of wine on sale.  They would originally cost me $27.97 but I was able to get them for $19.97.  I picked up some milk and bananas for a grand total of $34.33 and saved $18.91 or 36%.

I also did some other shopping at Publix yesterday, but that wasn’t too good!  I spent $89.07 and saved $29.94 or 25%.  I really strive for more savings than that, but we have been trying to eat more fruits and veggies.  They do go on sale, but not as often.

Obviously my super excitement this week was my CVS trip!  I am still so giddy over it :)

Have a wonderful Sunday!

Spicy Chipotle Beef Tacos with Chipotle Sauce

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This meal was amazing and it made 6 servings.  I love making tex-mex dishes because I feel like anything goes!  Best part:  It cost me about $10 to make this meal that lasted for 6 meals!  $1.67 per serving.

Spicy Chipotle Beef Tacos with Chipotle Sauce

  • ~1 lb of roasting beef (I used chuck roast, chicken or pork would work too).
  • 1 can of chipotle chile peppers in abodo sauce
  • juice of whole lime
  • salt and pepper
  • 1 cup of greek yogurt
  • black beans- I made mine from dried beans with garlic (will post more later)
  • rice- we used brown rice
  • tomato, avocado, and lettuce for toppings
  • Taco shells

Place your meat in the crock pot and pour the lime juice over the meat.

If you want it really spice go ahead and leave the seeds in the peppers, otherwise take the seeds out of the peppers (you may want gloves).

Put the entire can of chipotle peppers in a food processor and blend until the peppers are liquefied.

Take out 3/4th of the sauce and pour it over the meat in the crock pot.  Cook for 5 hours on high.

Chipotle Sauce:

Add the Greek yogurt to the food processor and pulse until completely mixed.

The Greek yogurt sauce can be stored for later use, if you store it properly in the fridge you can keep it for ~3 days (it makes a great alternative to chipotle mayo).

We had a side of rice and beans plus some pretty nice toppings:

The night I made this I thought I had to work late and wouldn’t be able to sit down for dinner with Tom until 8:30.  We have always eaten together, so I hate to eat separately… it is my favorite part of the day.  So I decided to eat a 5:00 snack before I headed to work at 6.  This made for a pretty nice burrito bowl:

We ate it this way for our second night too!  Overall this was a great meal and I would do it again.  We kept the seeds in so it was super spicy!  But we are fans of the heat :)

Good Habits

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I have never had a shopping problem, but like most people I enjoy the thrill of picking out new things:  clothes, decorations, make-up etc.  There used to be a time where I would visit the mall every weekend just to pick up a new top to wear out that night.  Even more recently I would stop by T.J. Maxx and Home Goods almost every day on my way home from work to see what was on sale.  I also still love stopping by Goodwill when I am out.

Since Tom and I have really tried to save even more money lately I have completely stopped shopping.  I have found that now that shopping is not a habit, I find it really hard to actually spend money when I am shopping.  A few months ago my little sister came to visit and we went to the new H&M store.  I am positive that I tried on 50 different outfits, but I bought nothing.  It actually felt nice, empowering.

This Memorial Day weekend, my husband and I visited the outlet mall.  He really needed some new clothes.  So we spent a lot of time and a fair amount of money at the Ralph Lauren Outlet.  But I noticed something strange about me… I really had no desire to buy anything on impulse.  I had made a list and stuck to it.  I got 2 tops from Banana and two new pairs of jeans from Gap.  It really felt amazing to stick to my list and only buy the things that I have been “needing” for a while (ok, I didn’t actually need any of that, but I haven’t bought jeans in 2 years and my old ones have holes in them).

Sure sales and coupons are a great way to save money, but I say take it one step further:  If you don’t actually need the items, a sale and a coupon are just excuses to spend money.  Instead make new habits to curb spending all together.  You never know, you might find it empowering!

When it rains it pours

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Have you ever felt like it wasn’t your week?

I love to intro song to Friend’s, there is one line that say’s, “It’s like your always stuck in second gear, when it hasn’t been your day, your week, your month, or even your year…”

Well, everything is going really well with me and Tom, so I really shouldn’t complain, but I just can’t stick to my financial goals this week.  Tuesday, I had that bank mishap and then last night we ended up eating out unexpectedly- even though we wanted to cut back on our restaurant spending.

I had a super cheap and fun evening planned.  In fact I had been planning this date night for weeks!  I had found an ad in the paper for free movie nights in the park.

Not only did they have great movies (Sleepless in Seattle was last nights movie), but they also had local food vendors from the Saturday Morning Market.  We were going to get dinner there, but it is always cheap (and good) food from those vendors.  Technically it would have been “eating out”, but it would have been super cheap.

I had my entire bag packed:  2 bottles of water in my reusable bottles, a quilt, my special truffle oil popcorn, and camera.  As we walked out of the house I noticed a huge storm cloud.  But this is Florida and there is almost always a threat of rain.  We decided to go anyway.

Since we love to walk, we decided to park a good 5 blocks away to avoid having to pay for parking.  As we were neared the park it began to rain… hard.  At this point we had a choice, go back in the rain or eat out at one of the many good restaurants in downtown St. Pete.  Tom and I both get angry when we are hungry- so we chose to eat out at one of our favorites:  The Moon Under Water.

It was a great dinner, I got the gyro and Tom got fish and chips.  We got a couple of beers and declared it date night.  We didn’t spend a fortune and we really enjoyed ourselves.

So I am going back on my last goal.  I know I can’t completely wipe out going out to eat from our lifestyle.  But I can try to limit it to once a week.  So we already went out this week… we will have to stay in for the weekend I guess!

We thought the rain would pass over while we ate… we were terribly wrong!  Here is a picture of us taking a break from the rain under a building:

I swear my hair was cute before we left!  We made it back to the car soaking wet with nothing to dry our glasses.  We had to turn on the heater in the car.  But after 3 episodes of Dawson’s Creek and my truffle oil popcorn at home we finally managed to have the rest of our date night.

My mom has always told me, “You can plan plans, but you can’t plan results.”  Well last night was one of those nights, we spent more than planned and didn’t get to do our movie in the park, but it was a great night that I wouldn’t change for the world.

How have your plans been changed? 

Best part of working from home…

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…is that I don’t have to pack lunches.  To make it even better Tom comes home for lunch.  It is like having a lunch date every day!

Since I usually make dinner, Tom makes lunch.  I am happy to report that I have only eaten lunch out 4 times since I started this new job about 3 months ago.  I love to save money by eating at home :)

This is a sample of our beautiful lunch date:

Tom made a good Greek salad yesterday and today I had a nice balsamic salad:

I did the math and it takes less than $2 to make each salad.  So much better than eating out!

Isn’t it great to make your own meal instead of paying for it at a restaurant?

50% Back :)

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So I went to the bank after this stressful morning and asked for my overdraft fee to be forgiven… and they gave my half of it back!

It may not be much of a win and I am still out $18, but at least I got it reduced.  I am happy to say that it was worth going in and asking.  Plus it only took me 15 minutes, including leaving my house and coming back. I also got a new debit card with my married name on it (3 years later) and closed my old account- not bad for only 15 minutes of my time!

So my day is looking up.  I encourage you to always at least ask your bank to give you back your overdraft fees.  It is totally worth it.  I may not always be happy with Region’s bank, but today I am a happy customer!

Stressful Day

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Even people who watch their money carefully make mistakes.  Last night I got an email from Regions saying that my personal account had over drafted.  How did this happen?

Well I have been very frugal and the only account that I have checks for is my personal account that I have had since I was in high school.  Tom and I write checks from time to time so I decided to keep that account for the sole reason of using up those checks.  I have only been keeping about $500 in there a month and that was just for miscellaneous payments.  Well, since we have been writing checks to pay off our new A/C, I have had to actually monitor that account… and I apparently did not do too good of a job :(

So, I just spent the last 2 hours removing all bills that automatically draft from that account:  energy, water, phone bill.  And I am on my way to the bank to negotiate my overdraft fee (I have never paid for one, and I refuse to pay for one today) and officially close my account.

To make matters worse, my boss emailed and I have to redo some work that I though was finished, and a parent of one of my students called wondering why she is failing, I am so not up for these types of conversations today… I just have to find the silver lining right?

Wish me luck as I ask for my $36 overdraft fee back!  I have been a loyal customer since I was 14 and I love using that information to get my fees paid for!

Do stupid money mistakes ever stress you out?  

Negotiation

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Don’t ever be too proud to negotiate.  Some people get embarrassed to negotiate and they think it is a bad quality.  Just last week my husband negotiated the cost of a party bus for a bachelor party and was told by a friend to stop being so cheap.  He came home from work and told me that story and I was so proud of him for saving people money.  I don’t care if people think we are cheap – our savings are growing and our debt is dwindling!

To be honest, I am not a good negotiator.  Luckily, I have Tom to negotiate for me.  I can’t remember a large purchase where he hasn’t negotiated the price.  He says that everything has a sticker price, but we don’t have to pay it.  We were able to get our storage shed, new air conditioner, cable service, tree trimming services and even hotel rooms for less because we name our price.

When I was in college I had to negotiate.  I couldn’t afford the tuition, so I kept telling the office of financial aid that I would have to leave if I didn’t get more scholarship money.  Every year they found the money to keep me there.  I am teaching this to my little sister since she is in the process of preparing for her first year at Stetson University.  College is expensive, but even they have a “sticker price”.

I would like to work on my negotiating skills, I think I only ever use them at yard sales!  But I would like to try a little more.  What is the worst that happens?  They say no and you go somewhere else…

What are some ways you have used your negotiating skills to save money?

 

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