Paying down the Household Debt!

We started our journey in August so it’s been 8 months that we’ve been working the plan to get rid of our I.O.U’s to people.  These I.O.U’s are from student loans and house loans.  So where are we at?

We have paid off 10% of our debts in 8 months!    Our debt to income ratio is now under 2.5 AND we’ve figured out how to comfortably live on only 30% of our paycheck… 70% of our pay checks get us closer and closer to saying good bye to the people we still have I.O.U’s to.

If you’re on the fence or think that “living it up today” is more important I would recommend that you try a budget for 90 days… 3 monthly budgets.  Tell me after you push through those 90 days that there isn’t something that you’ve been spending too much on.  I’m not saying give up the necessities or even all of your extras but give it a try to start with what you make and figure out a plan for spending no more than what you make.

It will change your life.

I feel like I know the value of my choices and I choose to live within my means.

Can you say you’re making choices with thought?

Have a great week!

Your Nerd, Laura

Spring…

Today was the first afternoon to hit 50*F and the sun was out!  My sister came over while Dave(Super Nerd) was bowling. Sister and I took Emma, my black lab, for a long, long walk.  We splashed through puddles and Emma enjoyed drinking water from the streams.  We returned home and sat outside while the kitty was able to get out to chew on the grass.

We watched the movie Fever Pitch and tried a few drinks, like our very own Shamrock Shake (very good!).  It was nice to get out of the house, catch up on the latest life stories and relax in the middle of the week.

I’m looking forward to warmer days ahead!

~Nerd (Laura) ~

Struggles…

The last few weeks have been really great weeks… so why haven’t you heard about them?
Well first of all my allergies took over and then led to a cold so my available time to function like a regular human being was much less.  Looking back today I’ve realized that I was prioritizing my life without thinking about it.
* Groceries were not only purchased but there were great deals to go with them.
* The dog was fed and walked along with some extra trips outside the neighborhood.  We found ways to visit family with these extra adventures.
* We spent time with family, which required us to travel.
* We went to a charity event and gave.  We were a sponsor of the event, we participated in raffles, and we gave of ourselves, we were open with people we met and we thanked our friends for coming and supporting the event with us.
* We discussed budgets, spending and how to reduce spending to improve our debt payoff dates.
* I stopped blogging, missed book club, missed a new member meeting for a local women’s group, went home early to get rest and stopped worrying about it.  I’m supporting my family and my family is most important… and I showed it.  I was practicing my values.
Pretty sweet huh?
I think that growing up is much more than growing older.  It’s about finding what matters most to you and making it a habit.  Being there for family.  Supporting charities. Communicating about budgets, grocery shopping and life in general.  It’s also about being responsible.  It wasn’t in my best interests to go to meetings because… honestly I didn’t have the energy.  At first I was a little upset but I was too tired to worry about what other people thought.  I wasn’t lying or faking it… I just gave my notice and I headed to bed.
Life goes on with or without me.  I can only do my best for that moment in time.  It doesn’t mean that I will always neglect my blog or my book club neighbors forever… it just means that sometimes I need to look out for me, myself and I.
I wish that I could have this foresight and not worry all the time.  Too bad it takes getting sick to realize that I’m not Super Woman and I shouldn’t be upset when I aim high and don’t make it… at least I tried my best and I should be happy with myself for that.
I hope that you’re able to find what’s important to you today.
~ Nerd (Laura) ~

House Value

Yesterday the “Notice of Assessment, Taxable Valuation and Property Classification” came in the mail.

Because Super Nerd and I carpooled to work yesterday he was witness to the momentus unveiling of the 2011 house value number.

We lost over $5600 in house value since last year.

To which I offered a high five going YESSS less in property taxes for another year!

I mean c’mon… we live in a great area, we are meeting cool neighbors, we plan to be in the house til forever… so heck yeah I’m glad the value is down so we’re paying a little less this year!

Ohh.. that means my city won’t get as much in taxes this year and with Michigan needing to reduce budgets… That means the extra money we saved should go to a local cause that would help benefit more people… I’m thinking library donation this year.  I like it!  I’m so brilliant when I’m not fully awake and I’ve only talked to animal life forms.

Alright as I go and ponder my brilliance I need to get ready for work!  Thanks for stopping by!

~ Nerd (Laura) ~

Couponing…

I’ve tried couponing a few times before and my perfectionism sabotaged me A LOT…that’s not the right way to sort the coupons, You’re not doing it the way so-and-so said…accordion files/baseball file folders are the ONLY way to do it…Everyone else gets it,why can’t you…

I seemed to sort coupons and then not find them until it was after their expiration date. I wasn’t consistent which meant lots of expired coupons and lots of frustration and made me even more discouraged.
This time I ventured into couponing cautiously and very skeptically. I knew in order to reduce our grocery spending I would need to spend less on things I use every day.
I spent a few weekends in “couponing class”… it involved lots of searches online but it was like learning in a college class, many instructors, about a hundred internet windows open and very little time for even my husband, who didn’t seem to mind since he watched football ALL weekend with little interruption.
What did the classes teach me?

1. Do what works for you.

There is not ONE right answer… I promise! Look for a future post on this.

2. Start where you’re comfortable

I follow Bargains to Bounty for local stores like Kroger and Meijer and Money Saving Madness for drug stores.
I like doing 12 things at the same time… I don’t like being told to do 1 store with 1 website, but when push comes to shove I will only follow these two sites. Their formats make it easy to plan my shopping trips, even with only 20 minutes of focused time.
3. Figure out what you really need
There are TONS of deals out there but I don’t go out and buy things I don’t need or won’t use.
Have I bought more items than I can use in 1 month? Yep! Do I have a whole closet full of Kleenex? Yep! Does Super Nerd have enough soap to last him a few years… as long as he doesn’t get too dirty… *smiles*
Bottom line is buy only what you will use and not in such excess that it counts as hoarding. When it gets to that point we’ve donated toiletries and pantry food.
4. Have fun with it
Saving money is fun, even starting out small. It really IS like a game where you can win, but don’t let it consume your life week in and week out.
When you get done shopping where you’ve only bought what was needed and you’ve saved a large percentage… you deserve that big smile on your face.
Do me a favor… tell someone about it.
Show them your huge receipt with all those coupons on it or the store sales you
rocked. If you don’t have someone to brag to then come back here and shoot me
an email. I’ll jump up and down with you and do a little dance too!
My little dances are very entertaining… hubbie, sister, dad, store manager, greeter
dude… they’ve all witnessed my silliness.
If it’s not fun then don’t do it!
Sure it can change your life if you can save money but don’t let it suck the life out
of you in the process. If you need help then ask! You can start with me to bounce
ideas off of… I’m here for you and I’ll do my best not to let you down. By the
way my little dances get bigger when I get to help awesome people like you.

~ Nerd (Laura) ~

Grace Centers of Hope – Boogie Bowl

So I would like to invite anyone in the Detroit Metro area to consider the Grace Centers of Hope Boogie Bowl on Friday March 11, 2011 at Thunderbird Lanes in Troy.

The Boogie Bowl is a 70′s Themed night of bowling to Strike out Homelessness.  $30 for each bowler with $15 going directly to the charity and the other half covers 3 games of bowling, pizza and soda.  Sign up here

Nerd and I have chosen to sponsor this event as a part of our Giving budget and we are definitely excited about helping a great cause.  We also need to create our 70′s outfits…Any suggestions???

Under the Weather

Hello All!  I want to apologize for being a bit under the weather this week.  I wish I could say that it was from all of the partying that our Packers won the Super Bowl but I’m not that exciting.  *smiles*

Alright so what’s been going on since I last posted… eh em… 11 days ago?

My second favorite thing that happened was I bought 6 books from Barnes and Noble at a significantly reduced price. How?

1) I had a $25 gift card from Christmas

2) I bought a $20 Groupon for $10 (while earning Swagbucks)

3) I bought “like new” books and paid shipping because they were cheaper than full price

4) I used a coupon for 15% off 1 item.

5) I used my ebates account to earn 4% cash back

I spent $16.97 to purchase Over $60 worth of books and I got about $1 in rewards.

And that bit of savings zapped all of my brain power for the week.  This is why they don’t call me Super Nerd.  *laughs*

I will promise to try to write this week… even just little bits.

I hope that you all had a fabulous weekend!

~ Nerd (Laura) ~

Perkstreet Again? It must be Groundhog’s Day!

So I am once again sharing my love of Perkstreet with you.

After my last post I told SuperNerd I needed to fill up at the gas station and because I was working on the previous post I wondered if it’s cheaper to use my Perkstreet debit card as a debit card to get a discount at the pump or as a credit card to get a perk from Perkstreet….

The Nerd in me came up with a pretty easy way to figure it out…. it’s a formula and if your cell phone has a calculator you have no choice but to try it out…. right?  please!  It’s really nerdy cool, I promise!

Take the credit card price and multiply it by .99 for 1% cash back (or .98 for 2% cash back).  Then see if that number is LESS than the debit card/cash price.

Let me show you with my example from yesterday’s gas trip.

Credit Card price: $3.09

Debit Card price: $3.05

We are earning 2% because we are still within our first 3 months with Perkstreet.

So I take $3.09 x .98 = $3.0282.  That means that it’s cheaper to buy gas as credit (without a pin) than it is to run it through as a debit purchase (with a pin).

The best part… it’s the same card who get’s the honor to swipe for my gas!

Perkstreet

I apologize for not posting my “real” topic last night but I got home at 9:30pm from work and didn’t have the energy to finish it.

So this morning I wanted to give a shout out to Perkstreet Bank.  They are an online bank that offers ATM’s at more places than you could honestly use AND they give perks on their DEBIT CARD!

I’ve earned $42 in perks since I started!  Some was from the $25 promotion to join at the time.  There were a few surveys and other feedback items.  Overall I’m happy to be using them because I know that my earnings are real numbers (I plan to get a Visa gift card or Amazon gift card with the perks)… they are not points that translate into basically nothing like my brick and mortar bank.

I will have a longer post for my love of Perkstreet in the near future!  Keep warm out there!

~Nerd (Laura) ~

Date Night

It’s been a long week for both of us since I dragged Super Nerd into my moral dilemma’s this week.  I just put in so much effort at work I didn’t have much time for home.  The amount of time spent working this week kinda sucked but I did what I felt was best and I did the best job I could do this week.  OK enough about work… Date Night…

Tonight we had some food from the freezer and pantry.  We went out and rented a FREE Redbox movie (check here for codes).  Yep I’m a cheap date.  We bought a few groceries for the chili cookoff next week at my office and some fresh ingredients to make some of my fabulous salsa (yes it is VERY hard to make your own salsa… even I can do it! – chop up tomatoes and onion, sometimes add cilantro, throw in salt and a squirt of lemon/lime juice (mine is out of a refrigerated plastic lime).  If you want to burn your mouth with spice, like my husband, then add a fresh pepper or two… viola!  salsa!  SEE terribly difficult… uh no! Just don’t cry with those onions those things make me sob).  If you want my estimates of the recipe just ask or email… I will turn my cooking brain back on to give you a good answer.

So anyways we played with the dog, the cat, we made dinner together and we watched a free movie.  Nothing too exciting but good to spend time together none the less.  Now I’m typing up this post and hubbie is downstairs playing on his computer.  I will call him upstairs to make sure he falls asleep in bed not in the cold office… again.

noaa.gov says that we’ll get 2-4 inches of snow tonight and 1-2 inches tomorrow so we are ready to stay in tomorrow and repeat tonight’s activities, play with the crazy animals, eat food and watch free movies or tv shows together.

So what do you have to say?  What type of date night have you enjoyed lately?  Any relaxing you’ve done with friends or family?  What about a night to yourself what helps you unwind?  If you are reading this 10 years from now feel free to still comment… we’ll still be listening.  We’ll probably have kids running around by then and laughing at how quiet it was and we will thank you for the reminder of how simple life can be if we allow it to be.