Tuesday, October 2, 2018

Wow!

My little slice of the internet tugged at the corner of my mind for the first time in a long time this evening as I browsed through a few of my favorite personal finance blogs- also for the first time in a long time. I was really amazed to see in numbers the strides I've made since I last updated my "Where the Money Stands" sidebar back in June 2016, just over 2 years ago:

As of June 1, 2016
Student Loans (Bank of Mom): $19,800
TOTAL DEBT: $19,800

General/Emergency Savings: $16,943.35
Checking Account: $2031.11
Cash: $52.00
Retirement 401(k): $24,702.61
TOTAL: $43,729.07
Net Worth: $23,929.07

As of October 2, 2018
Student Loans (Bank of Mom): $0
TOTAL DEBT: $(!!!)

General/Emergency Savings: $37,847.29
Checking Account: $500
Cash: $0
Retirement 401(k): $48,905.54
TOTAL/Net Worth: $87,252.83

Since I keep track of my finances very closely my net worth didn't surprise me, but I was really taken aback to see it compared to my net worth just two years ago. Holy cow! What awesome motivation to continue on this journey.

Tuesday, June 21, 2016

A thrifty tip

I know lots of folks practice thriftiness by cutting open tubes to use the remaining product, whether that's toothpaste or lotion. I thought I would share an easy tip to then keep what's left fresh for longer without having to use saran wrap, ziploc, etc. 


I think I got at least ten more uses out of both this face mask and sunscreen after cutting open the tube!
When I've squeezed out and used as much product as I can, I'll cut about the top 1/3 of the tube off. I make sure to use whatever product is left on the inside of the cut piece and wipe it clean, and then use the piece as a cap. Easy and effective!

Saturday, June 18, 2016

Coupon Fairy

I was grocery shopping a few days ago and decided to pick up some Goldfish crackers for a snack. I was pleasantly surprised to find that someone had left on top of the bag a clipped coupon for 50 cents off. A small but very sweet gesture, much appreciated by me. Thank you Coupon Fairy!

Tuesday, June 14, 2016

Health incentives

My employer has a neat health incentives program that provides cash rewards for participating in "health activities." Several are web-based and easy to do, you just need to remember to log in every day or so during a certain period to track various health indicators. For example, I recently completed one called "Manage Your Stress" where every day for two weeks I rated my average stress level. If I had low levels for most of the days, I was rewarded $50 at the end of the two weeks! Easy money. Obviously you can cheat your way thru this but I went in with the attitude of might as well make the most of it, and I found that just being aware of the need to rate my stress encouraged me to do little things to help my stress levels. I guess that's the whole point, right?

Another more challenging activity involves using a FitBit or another fitness device/app to track your steps, weight, sleep, etc. If you weren't aware already the CDC recommends 150 minutes of moderate exercise every week, which is roughly 10,000 steps/day. With this activity you commit to certain pursuits (i.e. walking 75,000 steps/week, tracking your weight for a week) and if completed are rewarded points. You earn $100 every time you accumulate 1,000 points! My boyfriend gifted me a FitBit Alta for my birthday, and I just reached my first 1,000 point mark last week.

So far this year I've earned $250 in health incentives. There are actually more opportunities available if you have a specific diagnosis or lifestyle that can be targeted (i.e. asthma, smoking, obesity, etc.) and I fortunately have no real medical history so have less "earning potential" from this program. Still, an awesome way to encourage folks to make some small changes regarding their health, and I'm happy to be benefiting! My employer actually does not publicize this program too much (not intentional I don't think, more of an oversight), I just happened to stumble across it, so it's worth doing some research to see if your employer offers something similar. 

Monday, May 23, 2016

Birthday freebies

Something I look forward to on my birthday each year are the little freebies I get from my favorite stores. I know lots of retailers offer birthday rewards, I've seen comprehensive lists floating around online (just google "birthday freebies" or something similar). These are the ones I chose to redeem during my birthday month of April.


Sephora offers a nice deluxe beauty gift to anyone who is signed up for their Beauty Insider program- signing up is free! They had two options to choose from this year; I went with the Marc Jacobs liner and lipstick, they were both so itty bitty and cute, and lovely quality. Marc Jacobs is a high end brand so it's nice to be able to try something from the range. *Redeemable anytime during your birthday month

Ulta offers a gift for its Ultamate Rewards members, it is also free to sign up. I received this very generously sized hairspray mini, which I passed along to my mom because I have a jumbo one I'm working through and she was in need of it. Ulta changes the gift each quarter (Jan-Mar received a Benefit mascara). *Redeemable anytime during your birthday month

Image result for starbucks
As a Starbucks Gold level member, I received a free drink- any drink, any size. You also qualify for this as a Green level member. I went with a venti skinny iced vanilla latte. I know the new rewards program is a bit controversial, you can check out the information here. I only reached Gold level status by redeeming gift cards I received. *Reward added to your account ~2 days prior to your birthday and expires the day after your birthday


Twister Wrap
Lastly, Native Foods Cafe is an awesome vegan restaurant with the most amazing food- and this is coming from a non-vegan. If you sign up for their rewards program in store you get a $10 reward to use during your birthday month, and that is actually enough to pay for an entire meal! I had their famous Twister Wrap with sweet potato fries and ended up paying maybe a dollar for tax etc. *Redeemable for about 2 weeks around your birthday

These are the freebies I enjoyed for my birthday last month! Please share any birthday freebies you take advantage of!

Wednesday, May 18, 2016

Saving on beauty

I wear a full face of makeup daily, and skincare is very important to me. So, my cleansing routine at the end of each day is a three step process to make sure all of that makeup is off. My favorite step one cleanser is The Body Shop Camomile Silky Cleansing Oil. I find oils are the easiest, most gentle way to remove makeup. 

Just finished a bottle today! Fresh & clean new one ready to go :)
Now this cleanser is $21 for a 6.7 fl oz bottle, which is reasonable compared to high end cleansers but still pricey. Luckily the Body Shop always has sales going on, so I waited until last month to stock up during a Buy 3 Get 3 Free sale. I also had a $10 birthday perk handy, which I combined with 10% off for being a rewards card member and 5% cashback using my Discover CC.

Total cost per bottle: $8.36 

Much better than $21! I bought 6 and passed along 2 to my mom, who also loves this cleanser. She wears makeup only a couple times a week so the 2 bottles should last her the whole year, and I'm all stocked up with my four. Love getting a great deal on my must have beauty items.

Thursday, May 12, 2016

Murphy & family

Recent expenses have included:

$350 flight change fee thru Delta for unexpected visa issues with my mom's trip to Korea - this made me absolutely furious, but nothing could be done.

$2154 to the IRS for 2014 tax error - horrified. I felt sick when I got the letter.

$318.95 gifts for mom to prep for Korea - what I bought her takes care of gifts for all of this year's occasions though- Mother's Day, Christmas, birthday.

$500 to dad to use as spending money in Korea - he is currently very underemployed, a nice gesture.

TOTAL: $3,322.95

A rough start to the month. I was so gungho about my savings at the start of the year, I was all set to hit the 20k mark by May. All of this plus the $1180 I owed in taxes this year really dampened my spirits and set me back considerably. Still, I am thankful to have the savings to dip into when Murphy visits, and to be able to do things for my family. Just need to buckle down these next few months I guess. Sigh.