Taking a page out of She Picks Up Pennies‘s book (our names are awfully similar after all), I decided to chronicle some recent money wins.
Saved savings was $44.44 this month. I already pay an extra $104.83 to bring the payment up to an even $700. Adding those to a rebate from my health insurance company, I paid an extra $388.80 toward my mortgage this month. Woot!
And I’m already on track to have a fantastic saved savings month this pay cycle. It’s only about 10 days in, and I’ve already saved $27.
I got a 40% off coupon from CVS in my inbox, and a 30% off coupon at the register when I picked up my meds. I needed a couple of things anyway, so I used the discounts and saved $7.
Plus I saved at trivia. I was going to get some french fries, but someone had a gift card and got a couple orders of fries for the table. So the $5 plus $2 tip went into saved saving.
I also went and saw Aquaman (yay shirtless Jason Momoa!) on $5 Tuesdays at AMC. That saved $5. I then used one of the free popcorn coupons Mom sent me from her My Coke Rewards program, saving another $8.
And I’ll get another $12.26 from Mr. Rebates at the beginning of February, bringing the total saved savings to $39.26 — plus any other funds saved.
But the big boost this month will be my cash back card’s savings.
I earn 2% with the Citi Double Cash card, which adds up pretty quickly when you charge everything to the card. I had been applying the rewards to my credit card statement balance, but I realized that the 2% is really more akin to my cash back shopping rebates from Mr. Rebates; and I put those into saved savings. So starting this month, that’s where the card rewards will go too. Meaning that saved savings is getting a $72.59 bump.
On another non-saved savings note, it’s day 11 of my financial “week” and I have about $25 left. That should last me another one to two days, if not more. I’m loving how far the funds stretch since the divorce!
It’s not just that I buy fewer things in general, but also that I no longer have Tim eating fast food five or six days a week. Which also means I’m less tempted to get fast food myself. As a result, I finally got (just barely) down below 160 on the scale. Less than 10 lbs to go til I hit my healthy weight!
Speaking of food, I hit a sale at Frys and picked up three pounds of chicken breasts for $4.99. It’s not that I think I’ll cook that much, but sometimes I get a wild hare to make my favorite chicken dish (chicken, corn, beans, salsa, cheese, taco seasoning, all served over rice), so it’s nice to keep the ingredients around. Until then, I have my $2.79 Healthy Choice meals, which, while not the most frugal option, definitely aren’t bad for convenience food.
Also, I finally got confirmation from Ally Bank that I’ll be getting my bonus. That’s $304 into the mains savings account! That takes a bit of the sting out of the $2,000 I had to transfer out for taxes.
In addition, the bank notified me that my interest rate is going up to 2.2%, and I didn’t even have to do anything to get the better rate.
But in perhaps the most exciting money news, it looks like the iPhone 4s is going to live to fight another day. After doing some Googling, I ended up on (duh) the WhatsApp FAQs page, which says that the app works with iOS 8 and higher. The 4s currently has version 9.3.5.
This is thrilling not just because I’m saving hundreds of dollars on an upgrade, but also because I’ve become weirdly fond of this tiny, old, slow little phone. Probably because it’s my first smartphone. And because it was free. Actually yeah, probably mainly because it was free. But the point is that I’d feel strange with a new, normal-sized phone.
In the one piece of negative money news, a high credit card bill — the deductible and rental car expenses from the accident were $930 alone — meant that I couldn’t put anything into my SEP-IRA this month. But I’m still sending my $500 monthly contribution to the Roth, so that’s something.
Have you had any money wins lately?