Recipe For A Simple Life

Simplify your life, one day at a time

Financially Fit Friday

“When real faith grips you, you develop a mind-set that looks for the best in everything, refuses to give up, finds a way around or through every obstacle, and presses on to victory.”

– Norman Vincent Peale

Have you started a money makeover? What are you planning on paying CASH for? What bill are you paying off? Share a bit of your story! No story is too small to share! Real life stories keep Carrie motivated 😀 Catch up on Our Story to see how far we’ve come.

Emergency Fund – $1000 – Stocked

House Fund – Goal $30,000.00 by 3/31/2013. This will cover the down payment, closing costs, as well as “sprucing up” the home to make it our own – aka, new furniture, paint, bedding, fencing for the backyard, swing set, etc. It will also be used to fix up our side of the duplex we are living in so it is ready for new renters.

  • Deposited $10.73 in spare change
  • Deposited $50 from a raffle (was part of a gift given to my husband for his birthday)
  • Deposited $50 from Swagbucks
  • Deposited $5.57 from Ebates
  • Deposited $183.70 in leftover income
  • Currently Saved $6160.75

Likes | Tumblr

The following are the other loans we currently have, but will put them on the back burner as we save for a house bigger than a 2-bedroom for our family of SIX 😀 We plan on keeping the duplex we currently own, and renting out the side we currently live in, thus earning more money each month that will pay these off for us 😀

Hubby’s Student Loan as of 10/01/2011 $9395

  • Outstanding Balance is $8,766.48

My Student Loan as of 10/01/2011 $6480

  • Outstanding Balance is $6,017.26

Family Loan $3000 – I was told to keep this and put this towards a new house, since the person doesn’t need this money right now 😀 Bonus 😀

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Superpoints

Do you need a way to earn FREE gift cards to help pay for birthday presents, Christmas gifts or just to use for everyday essentials?  Then this is one “super” easy way to do it.

Promo_button

Superpoints.  All you do is push a button.  That’s it.  The button spins.  You can win points that add up to gift cards.  I’m personally saving up for PayPal cash to put into our house fund.  There’s many, many stores to chose from – Target, Walmart, Domino’s Pizza, iTunes, Home Depot, etc.  If you don’t want gift cards, there are also electronics like an iPad to save up for.

So, what are you waiting for?  Superpoints  is very easy.  Many times my kids fight over who gets to play “Mom’s Computer Game” and they get excited when they win me some points.

I only receive one email a day from Superpoints, and it has bonus points on it that range from 1 – 25 points.  I’ve personally received 25 bonus points several times 😀

Here is a bonus 50 points for the first person to sign up through THIS LINK! 

What are you waiting for?  Go click and get some free stuff!

 

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Financially Fit Friday

“When real faith grips you, you develop a mind-set that looks for the best in everything, refuses to give up, finds a way around or through every obstacle, and presses on to victory.”

– Norman Vincent Peale

Have you started a money makeover? What are you planning on paying CASH for? What bill are you paying off? Share a bit of your story! No story is too small to share! Real life stories keep Carrie motivated 😀 Catch up on Our Story to see how far we’ve come.

Emergency Fund – $1000 – Stocked

Computer Fund – $350 by 9/30/2012. I’m tired of copying and pasting numbers one through four, and number nine sometimes. I also can’t type an exclamation mark, question mark, at sign or number sign, as well parentheses and half the time the shift key doesn’t allow me to make a letter into a capital letter. My computer lasts for a split second when unplugged. I haven’t been posting recipes lately because I don’t have the patience to copy and paste that many numbers and you should see how long it takes for me to post a FFF post every Friday.

  • Total $350.00

House Fund – Goal $30,000.00 by 3/31/2013. This will cover the down payment, closing costs, as well as “sprucing up” the home to make it our own – aka, new furniture, paint, bedding, fencing for the backyard, swing set, etc. It will also be used to fix up our side of the duplex we are living in so it is ready for new renters.

  • Deposited $5 from Superpoints
  • Deposited $8.49 in spare change.
  • Deposited $138 in leftover income
  • Currently Saved $4,906.00

Likes | Tumblr

The following are the other loans we currently have, but will put them on the back burner as we save for a house bigger than a 2-bedroom for our family of SIX 😀 We plan on keeping the duplex we currently own, and renting out the side we currently live in, thus earning more money each month that will pay these off for us 😀

Hubby’s Student Loan as of 10/01/2011 $9395

  • Outstanding Balance is $8,872.28

My Student Loan as of 10/01/2011 $6480

  • Outstanding Balance is $6,095.23

Family Loan $3000 – I was told to keep this and put this towards a new house, since the person doesn’t need this money right now 😀 Bonus 😀

 

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Lilla Rose Hair Accessories

My friend, Kallie, sent me a few items from Lilla Rose.  I have fallen in love with the You-Pins.  My hair goes down to almost my braline, and is more on the thicker side.  I work in a restaurant and normal hair ties don’t hold, so I’m adjusting my hair several times a shift.  With the You-Pins, just those TWO pins hold my hair up in a bun style without ANY adjustments whatsoever, for nearly 9 hours.  I was sold after the first night.  They also don’t rip my hair like hair ties normally do when I try to readjust my pony tail or take it out for the night.  I also don’t get headaches any more.  Sounds weird, but with my hair so long and thick, it’s super heavy, and I usually end up with several headaches during the week, which subside when I let my hair down.  But since all my hair isn’t being pulled to one small point like with hair ties, those headaches are pretty much nonexistant.  I’m so happy about that.  And the You-Pins are pretty 😀 

You-Pin

I was also given a hair clip to try.  It worked great for holding up half my hair.  As in, I only pulled the top portion to the back and clipped it, leaving half my hair down.  I wore it to church and it held it in place well.  I’m not much of a person to wear my hair down or half down, so it’s really the only time I wore it.  It was very comfortable, and easy to put in my hair.  And pretty 😀  Since I wear my hair up so much, I’d get a much larger clip next time.  The mini clip is PERFECT for the little lady in your home or on your Christmas list.  They have so many styles to choose from, there’s a perfect one in there somewhere.

Hair Clip

I also have a headband on the list for me to buy for myself.  Kallie wears glasses, just like I do.  The reason I never wear headbands is because they hurt when worn with glasses – they pinch behind my ears.  She says she doesn’t get that pinch, so I will be buying one of thse, I just have to decided which one/ones 😀 

From now until Wednesday, August 30, you can get FREE shipping on all orders above $20 when you use this link.  There is a sizing video to help you decide which size is perfect for your hair.  More pictures are at Kallie’s Lilla Rose Facebook page, and if you have any questions you can ask her about them 😀  She gets back to you very quickly.

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Financially Fit Friday

“When real faith grips you, you develop a mind-set that looks for the best in everything, refuses to give up, finds a way around or through every obstacle, and presses on to victory.”

– Norman Vincent Peale

Have you started a money makeover? What are you planning on paying CASH for? What bill are you paying off? Share a bit of your story! No story is too small to share! Real life stories keep Carrie motivated 😀 Catch up on Our Story to see how far we’ve come.

Emergency Fund – $1000 – Stocked

House Fund – Goal $30,000.00 by 3/31/2013.

  • Well next week will be rough – we got the plumber’s bill for the rental – wowzer.  Our sitters move back this weekend *squeal* I’m so excited to be able to fully work so we can get our house – plus Hubby will be on overtime nearly every week in September, so I pray that will be a huge blessing to our House Fund. 😀
  • Deposited $0 from selling things on the Mankato Facebook Garage Sale.
  • Deposited $3 from surveys
  • Deposited $10.27 from a mystery shop I did. 
  • Deposited $0 from Superpoints
  • Deposited $5.11 in spare change.
  • Currently Saved $3658.02

Likes | Tumblr

The following are the other loans we currently have, but will put them on the back burner as we save for a house bigger than a 2-bedroom for our family of SIX 😀 We plan on keeping the duplex we currently own, and renting out the side we currently live in, thus earning more money each month that will pay these off for us 😀

Hubby’s Student Loan as of 10/01/2011 $9395

  • Outstanding Balance is $8,872.28

My Student Loan as of 10/01/2011 $6480

  • Outstanding Balance is $6,095.23

Family Loan $3000 – I was told to keep this and put this towards a new house, since the person doesn’t need this money right now 😀  Bonus 😀

 

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Financially Fit Friday

I’m sorry this is a week overdue.  Last week was a tough week on us.  Our best friends’ mom passed away suddently, it was our anniversary and we had a trip to the ER, just to name the big ones.  We had to withdraw quite a bit of money from the savings due to not having babysitters so I couldn’t work, then with our friends’ mom passing away, we ended up withdrawing a lot.  In hindsight, I’m SO THANKFUL we had this money in savings.  Because several years ago, we would have added it to a credit card.  So as it sets us back yet again, I’m so incredibly thankful that we had it.  I have babysitters lined up starting for sure in September and I’m looking forward to having a consistent schedule/paycheck.  Ugh, I hate setbacks.  Yet I’m thankful we had the cash so it’s just a speedbump and not a lost transmission 😀

“When real faith grips you, you develop a mind-set that looks for the best in everything, refuses to give up, finds a way around or through every obstacle, and presses on to victory.”

– Norman Vincent Peale

Have you started a money makeover? What are you planning on paying CASH for? What bill are you paying off? Share a bit of your story! No story is too small to share! Real life stories keep Carrie motivated 😀 Catch up on Our Story to see how far we’ve come.

Emergency Fund – $1000 – Stocked

House Fund – Goal $30,000.00 by 3/31/2013.

Likes | Tumblr

The following are the other loans we currently have, but will put them on the back burner as we save for a house bigger than a 2-bedroom for our family of SIX 😀 We plan on keeping the duplex we currently own, and renting out the side we currently live in, thus earning more money each month that will pay these off for us 😀

Hubby’s Student Loan as of 10/01/2011 $9395

  • Outstanding Balance is $8,978.44

My Student Loan as of 10/01/2011 $6480

  • Outstanding Balance is $6,250.82

Family Loan $3000 – I was told to keep this and put this towards a new house, since the person doesn’t need this money right now 😀  Bonus 😀

 

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House Offer – Prayers Please

So, on Sunday Ryan bought a boat using up a large chunk of our House Fund.  We chatted and decided that it’s totally fine to save up for another 9 months and buy a home in the spring with a larger down payment.  We were at complete peace with this.  Until Sunday night when I showed Ryan a link to a house that just came on the market.  He said we had to see it.  He hasn’t said that since we bought the place we currently live in.  So I messaged our realtor and said we needed to see it ASAP.  It’s in our 2nd favorite neighborhood, just down the street from our church.  We looked at it yesterday and I was ready to move in.  We both LOVED it.  So, we are putting in an offer this afternoon – prayers that things work out smoothly if this is in God’s plan for us 😀  It’s pretty darn near perfect for us.

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Financially Fit Friday

“When real faith grips you, you develop a mind-set that looks for the best in everything, refuses to give up, finds a way around or through every obstacle, and presses on to victory.”

– Norman Vincent Peale

Have you started a money makeover? What are you planning on paying CASH for? What bill are you paying off? Share a bit of your story! No story is too small to share! Real life stories keep Carrie motivated 😀 Catch up on Our Story to see how far we’ve come.

Emergency Fund – $1000 – Stocked!

Teeth Fund – Hubby needs some major dental work done.  Goal – $3000 by 03/31/2012

  • Currently Saved $3000!
  • So, Hubby’s work is coming out with a dental plan.  Not sure when it will take into effect though.  Wouldn’t it be AWESOME if we could get the majority of the work done instead of just the first step for the amount we have saved?  OR stick with the first step and put the remainder into our House Fund?  We will see what happens…

House Fund – Goal $30,000.00 by 3/31/2013.  After playing around and around on a mortgage calculator punching in numbers and comparing them month to month to what we are currently at, it looks like it will be in our favor to refinance.  So, before Hubby decides against it, I’ll give the call to get it going.  Even after paying for 6 years already, we will pay SO much less in interest, starting right away the first month compared to what we are paying in interest currently.  It does push our loan out 6 years, but that’s only if I don’t put an extra payment or two towards the principle 😀  I just have to be very good about saving that extra money every month and not spending it.  You think I can do it?  Of course I can.  And unless something changes, we will buy in the spring.  The houses I’m looking at and really liking are about $20-30,000 above our price range.  So, we’ll suck it up in this little tiny two bedroom with four kids for another 9 months.  We’ve done the whole 9 month waiting game four other times if you get my hint, so it will go by fast.  I hope.  I also gave Hubby the go-ahead to buy a boat that is right for him.  He was going to take the tax return this next spring and buy one, but we talked and if the right one comes up, he can buy it now and the tax return in the spring will be put towards the house.

  • Deposited $100 in leftover income
  • Deposited $3 from a survey
  • Deposited $3.68 in spare change.
  • Currently Saved $7119.39

Likes | Tumblr

The following are the other loans we currently have, but will put them on the back burner as we save for a house bigger than a 2-bedroom for our family of SIX 😀 We plan on keeping the duplex we currently own, and renting out the side we currently live in, thus earning more money each month that will pay these off for us 😀

Hubby’s Student Loan as of 10/01/2011 $9395

  • Outstanding Balance is $8,978.44

My Student Loan as of 10/01/2011 $6480

  • Outstanding Balance is $6,250.82

Family Loan $3000 – I was told to keep this and put this towards a new house, since the person doesn’t need this money right now 😀  Bonus 😀

Leave a comment »

Financially Fit Friday

“When real faith grips you, you develop a mind-set that looks for the best in everything, refuses to give up, finds a way around or through every obstacle, and presses on to victory.”

– Norman Vincent Peale

Have you started a money makeover? What are you planning on paying CASH for? What bill are you paying off? Share a bit of your story! No story is too small to share! Real life stories keep Carrie motivated 😀 Catch up on Our Story to see how far we’ve come.

Emergency Fund – $1000 – Stocked!

Teeth Fund – Hubby needs some major dental work done.  Goal – $3000 by 03/31/2012

  • Currently Saved $3000!
  • Hubby will be getting his teeth fixed after Memorial Day, as that’s when things slow down and he can get a bit of time off to recuperate.  I’ll be praying that our Health Share is able to send extra money like I do for others every month so we will get some of this back for our house 😀

House Fund – Goal $15,000.00 by 7/31/2011.  We changed the goal date out two months since we aren’t looking to move until late summer/early fall, as long as we can find renters.  I’m looking forward to getting our loan refinanced when a little loophole comes out in June in order to save us quite a bit of money every month.  I’m still researching the little tricks to pay off mortgages quickly so we do this “correctly” right from the start.  Also, we shouldn’t need the full $15,000 but I’m leaving it that way just in case.  I’d rather over save than under save.

  • Deposited $0 in leftover income.  I’m sure there is some, but I need a new checkbook register so I can balance the checkbook.
  • Deposited $50 from Verizon Rebate – I got a new phone finally.
  • Deposited $50 from a work bonus 😀
  • Currently Saved $6854.30

Likes | Tumblr

The following are the other loans we currently have, but will put them on the back burner as we save for a house bigger than a 2-bedroom for our family of SIX 😀 We plan on keeping the duplex we currently own, and renting out the side we currently live in, thus earning more money each month that will pay these off for us 😀

Hubby’s Student Loan as of 10/01/2011 $9395

  • Outstanding Balance is $9,031.84

My Student Loan as of 10/01/2011 $6480

  • Outstanding Balance is $6,250.82

Family Loan $3000 – I was told to keep this and put this towards a new house, since the person doesn’t need this money right now 😀  Bonus 😀

Leave a comment »

Superpoints

Do you need a way to earn FREE gift cards to help pay for birthday presents, Christmas gifts or just to use for everyday essentials?  Then this is one “super” easy way to do it.

Promo_button

Superpoints.  All you do is push a button.  That’s it.  The button spins.  You can win points that add up to gift cards.  I’m personally saving up for PayPal cash to put into our house fund.  There’s many, many stores to chose from – Target, Walmart, Domino’s Pizza, iTunes, Home Depot, etc.  If you don’t want gift cards, there are also electronics like an iPad to save up for.

So, what are you waiting for?  Superpoints  is very easy.  Many times my kids fight over who gets to play “Mom’s Computer Game” and they get excited when they win me some points.

I only receive one email a day from Superpoints, and it has bonus points on it that range from 1 – 25 points.  I’ve personally received 25 bonus points several times 😀

What are you waiting for?  Go click and get some free stuff!

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