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Archive for March, 2013

30-Day Early to Rise Challenge

March 30th, 2013 at 12:05 am

I ran across this challenge on another blog and I've decided to challenge myself to wake up nlt 0530 each weekday. I'm being realistic here so I will take the weekends off. I think this challenge comes at a perfect time for me because not only will I continue to study to become a Financial Counselor(1 exam left) but I will also be starting my PhD program on 18 Apr.

I already get up at 6:00 because I have to get my daughter ready but I also have a bad habit of coming back home when I drop her off and getting back in the bed for at least a couple of hours. I will also be stopping that bad habit during this challenge.

Anyone care to join in??

$5 for $10 Starbucks Egift Card

March 23rd, 2013 at 01:24 am

If you love Starbucks, today's Groupon is a great deal. I just bought one for me sis-n-law for her upcoming bday. I also went thru Ebates to get 3% cash back SmileUnfortunately limit is 1.

Text is Groupon and Link is http://www.groupon.com//raf/UserReferral_rp/121015/10r1act/lk/uu8897444

I Passed!!!

March 22nd, 2013 at 06:58 pm

Today I took the first of two exams towards becoming an Accredited Financial Counselor and I'm happy to report I passed!! I will order my material for the second exam later today.

@CCF, have you looked into the spouse's fellowship for the program? Yeah I put u on blast becuase I think you would do great Smile

Follow-up to Legacy Drawer Completion

March 14th, 2013 at 09:33 pm

Last month I completed my legacy drawer and the last items I was waiting for were the updated deeds to my primary home and rental property. I received the last deed in the mail a couple days ago and for some reason I decided to contact my insurance agent to find out if it mattered or not that both homes have now been placed in my living trust.

Come to find out it did. Since the homes are underneath my trust, the insurance company stated that the trust has to be named as "additional insured" They stated this just shows who owns the home and if there ever is a claim against the properties, the check would be made out to the owner(which is now my trust). Since I'm the trustee of my trust, I shouldn't have any problems cashing any checks that are provided.

I just wanted to pass along this bit of info to say make sure you check with your insurance agents if you have property in a trust.

Financial Tidbits: I finally got paid for 2 ebay items that sold over the weekend. That netted $17.50. I have two items set to close on Sunday and 1 already has a bid with 6 watchers. I also got paid $3 from Pinecone

March Snowflakes:$56.47

Major Mortgage Milestone!!

March 9th, 2013 at 06:11 pm

My mortgage is now under $100K and I'm sooooooooo excited!! I took this mortgage out in 2011 and my goal is to have it paid off in 2015!

New balance: $99,991

Text is Mortgage Progress 2013 and Link is http://dl.dropbox.com/u/85406469/Mortgage%20Progress%202013.pdf
Mortgage Progress 2013

Sidenote: I have 3 items listed on ebay that ends tomorrow and 1 has a bid. It's these little snowflakes that's helping me reach milestones like this!!

Cash4Books-March Bonus Code

March 6th, 2013 at 04:04 am

I know alot of us are trying to sell stuff and earn a few snowflakes so I just wanted to pass this along. I've used Cash4Books plenty of times and never had a problem. Granted they may not pay much for some books but I figure it's better than nothing and they pay shipping.

Well during the month of March if you sell 6 books and use promo code "BookCleaner" at checkout, you get an additional $3. Hope this helps someone.

Text is Cash4Books and Link is http://www.cash4books.net

Finally Seeing Snow

March 5th, 2013 at 11:52 pm

I sold 2 items on ebay this weekend of which I just received payment. Both items were mailed out today. I listed 2 more items that closes out on Sunday.

I also received a $7 check in the mail from Cash4Books becuase someone used my referral so thank you who ever you are for that! I also completed a survey with Pinecone today so I should receive payment within a couple days but won't count it until it hits my account.

March total: $36

Home Inventory Update

March 3rd, 2013 at 11:45 pm

I will be focusing on completing a home inventory this month. I've decided to break this task down by doing each room at a time. I'm starting with my master bedroom. The software I mentioned in original post has an app so I downloaded it on my Ipad. This app is so great, it syncs up with my online account and I can take pictures right from my Ipad and drop it into the inventory. The only thing that I don't like about the app is that it doesn't allow me to put in the receipt but that's ok, I will just go online and upload it.

Today, I went through and wrote down all the serial/model numbers for each electronic type item in my room. I also took pics of each item as well. I made sure that the TV and DVD player was powered on to show that it's in working order.

A friend of mine told me she took still pics of all electronic items and then wrote the model/serial number on the back of the pics as well. I think I will also do that since I have a coupon for Walmart for 25 free pics Smile

Side note: Both items I listed on ebay will sell tonight and I've listed 2 more.

March Topic of Focus

March 2nd, 2013 at 02:36 am

Last month I focused on completing my legacy drawer and was able to get that done. To keep on the theme of preparing for the unknown, during March my goal is to do a complete inventory of my house. For Christmas my brother gave me a video recorder so I plan on doing a video inventory of both in and out. I've read that I should also open up the cupboards,drawers and go through the closets to show exactly how much stuff I own.

I will only put the big items in the home inventory software and use the video to capture everything. Do you have a inventory of all your possessions? If not, how will you prove to the insurance company that you owned things? Just food for thought

Military Spouse Fellowship Application Period

March 1st, 2013 at 05:10 pm

@CCF, I thought specifically of you when I read this.
The FINRA Foundation Spouse Fellowship Program provides military spouse recipients with the education and training needed to earn the Accredited Financial Counselor® (AFC®) designation. I'm currently studying for this certifcation myself. I think you would be great and should apply.