$711!! Holy crap! Pardon my French I'm unbelievably excited. I was already going to have the Chase card paid off in the next 2 or 3 weeks thanks to the insurance payment for the camper, and now this extra $600ish (after Ebay fees) will be a great start paying down the Discover card!
Archive for July, 2014
Okay, I know it's a gamble, but the current bid on my clarinet is $405. Auction ends tomorrow and I have 15 watchers. I have someone offering me $450 if I do a "buy it now" price. I would think with that many watchers, the final bid could very well go higher than $450. I'm thinking that even if it doesn't, and $405 is the final bid, it's already double what I thought I would get for it, so I should just ride it out. I'd be thrilled with $405 and over the moon if it goes even higher!
I have a lot more buying experience than selling, and it seems like in the lat hour or two the prices always start to jump... has that been other's experienes too?
So I decided to sell my clarinet, which was a high school graduation gift from my parents. It was a tough decision, because of the sentimental value, but it's been in the top of a closet for the last 10 years and I figured there was no point in keeping it. I took it to a local instrument store and they said that they thought I could get about $200 for it without doing any of the needed repairs. Well, I was very clear about the work that it needed (corks, pads, and a general tuneup), and after 12 hours on Ebay, the highest bid is $405! I am so excited I guess it's worth more than I thought!
So my have my 7 year old out of summer camp this week to spend some time with him on his birthday week (he'll be 7 Thursday). One of the things he wanted to do was go to work with me, so that was great - took him with my yesterday and saved a vacation day! Today we went to our city's botanical gardens, bowling, and for ice cream.
I was really proud of how frugally I planned this day. We did buy the season pass for the botanical gardens - $60 using my husband's old military ID, and the place is awesome! Great place for my husband to bring the kids on the weekends I work as well. Otherwise he would easily spend $60 in one single day taking them out.
We packed lunch from home and ate it on the way to the bowling alley. I signed him up for a kids bowl free program on weekdays all summer long. So it only cost us $11 for shoes and for me to bowl. Then we went to get ice cream, had a buy one get one free coupon and used a gift card for the balance.
So I got home and checked my credit card statement. $60 for the garden membership, a $55 EZ Pass charge hit today, and then we also went back to school shopping which cost $100 at Target (that's just school supplies, no clothes). So much for a cheap day...
That said, all of those things were going to happen anyway, so I guess my date day with my son still only cost $11. But I was still disappointed to see all that on my credit card. I'm so close to paying it off, this will just be more motivation!
Paid off $1800 of credit card debt this past month (from June to July)! Big improvement from my debt increasing from May to June. We'll get there! Also have a $5300 check we're waiting on from the insurance from when our camper got damaged. That will be awesome and my husband fixed the damage himself for under $100!
Had to work my part time job today, and made time and a half for holiday pay, and we were busy so I stayed over a little bit. Next Friday's check will be a nice one! Hubby took the boys to a botanical garden that was open for free today (usually it's fairly expensive), and they were going to go out for lunch for the kids wanted to come home and have lunchables. So no expense there. Then we were going to go out and do something, and get dinner, but in the end decided to stay home, get our workouts in, and made microwave popcorn and let the boys stay up to watch fireworks. So all in all, the day didn't cost a thing other than gas, but I made far more than that back at my job!
So of the $5400, we are going to take about $1000 to do some thing around the house (gutters need to be cleaned, house needs powerwashing, etc). We've been in it for 6 years and have done little to no maintenance because of finances, so this is badly needed. Then I am going to take $2K to get my Chase card paid off, and hubby will put the rest towards his credit cards. I am so excited to get the first card paid off! Not sure when the money will come, we have to get the check from the insurance company, send it to the lienholder of our camper for them to sign, and then we can deposit when they send it back. And since it's such a large amount, I anticipate the bank holding it for a while (do they still do that? I had a bonus check years ago that I had to wait 10 business days for it to clear.) I would think by the end of August it should be all set!
So almost a month ago we had a storm and a branch fell on the roof of our popup camper, making a little hole in it. We got the insurance estimate yesterday - $5400. For something that we can patch ourselves with no problem. My husband asked them if we were allowed to keep the money and fix it ourselves, and they said absolutely. %5400, I can't believe it! Now what to do with it...
My list of credit cards on my sidebar are just the ones that I pay and are in my name. My husband has about $18000 of credit card debt in his name. A good chunk of his debt is at low promo rates, and even the part that isn't, is at lower rates that mine, so we haven't been putting any extra towards his cards yet, which is stressing him out. I really wanted to use that $5400 to pay off my Chase card and then put the rest towards the Discover and get that going, but there's only a % or two difference between my cards and his, and if it will make him feel better, then it's worth it to just let him use it all for his cards.
At some point (as we get things paid down) I'd really like to combine everything, but we'll see how it goes and who has the best rates and balance transfer deals.
Excited to pay off that big chunk though!