Wednesday, December 17, 2008
Monday, December 15, 2008
Tuesday, December 09, 2008
Tuesday, December 02, 2008
Sunday, November 23, 2008
Saturday, November 15, 2008
Monday, November 03, 2008
Saturday, October 25, 2008
Monday, October 20, 2008
Wednesday, October 15, 2008
Saturday, October 11, 2008
Wednesday, October 08, 2008
Monday, October 06, 2008
Saturday, October 04, 2008
Monday, September 29, 2008
Thursday, September 25, 2008
Anyhoo, I am trying to entertain myself on the internets. One blog that I enjoy is Stuff Christians Like. It's in a similar vein to Stuff White People Like, but, you know, with more Jesus. It has a lot of funny stuff on it. I just laughed out loud at this post. If you've ever been to a Christian concert or heard a Christian CD that was recorded live at said concerts, you've heard that guy that screams "Jesus!". It's funny 'cause it's true.
Monday, September 22, 2008
Here is the front of the old binder:
Also inside the old binder:
Wednesday, September 17, 2008
Occasionally my air conditioner unit has (supposedly) been backing up and I will have puddles on my kitchen floor and in the garage. The kitchen, garage, and ground floor bathroom are all located near each other. Last Monday, it started again. My landlord- who normally is really quick to respond- had seemingly disappeared (later I found out that he had gone out of town). By Thursday, the floor in the kitchen near the bathroom had a lot of water and I was struggling to keep up with getting towels dry enough to put down. On Friday morning, sewage started to back up in the bathroom.
I do not do well with gross things. I have serious issues with public bathrooms due to the pure disgusting-ness that lurks within. But after a few phone calls to family members and then to a plumber, all was taken care of. The plumber came within ten minutes of my phone call and had fixed the problem within ten minutes of arriving. Thank God for this going smoothly!
Of course I had to go buy a Shop Vac and then complete a five-step cleaning process: vacuum, sweep, scrub on my hands and knees, mop, and wash towels one million times until I feel they are approaching clean again. But I am getting reimbursed for the plumber costs ($60- I should have been a plumber) and all is well for the time being.
Except that now I have dreams of finding puddles in the floor. :P
Monday, September 15, 2008
If I had only known that I would be in school for 21 years, maybe I wouldn't have been crying.
Saturday, September 13, 2008
Anyhoo, as you may or may have noticed, I have been absent from this blog lately. This means that I have been absent from deal-shopping, too. When I saw the $10 off $40 coupon WG put out for yesterday and today, I decided it was time to get with it. Incidentally, those coupons are also how I typically solve the toilet paper problem. Frugal folk with easy access to CVS are ALWAYS getting free TP, but the closest CVS is an hour away. I use toilet paper as filler to get up to the required amount when WG puts out the $10 off X amount coupons.
Today's purchases and totals:
3 Quilted Northern (3 x $4)= $12.00
2 South Beach Living Cereal Bars (2 x $2.50)= $5.00
2 Crest Rinses- I had the cashier ring them up separately- (2 x $4.49)= $8.98
1 Nivea for Men Body Wash= $4.99
1 Chemistry Hair Product= $7.99
1 WG Acid Controller= $7.99
1 LypSyl Lip Moisturizer= $1.99
1 Excedrin Express Gels= $3.99
1 Revlon Nail Polish= $4.49
- $16.00 coupons
- $9.00 Register Rewards generated from the Crest
AND I will be getting $31.44 back in rebates, so my total was .98 before tax (I paid 2.86 tax). I also got a couple of coupons that printed with my Register Rewards. One was for Glade Wisp ($3 off) and I will combine it with the $5 manufacturer's coupon whenever that goes on sale to get it for free.
Most of the stuff was free after rebate or free after Register Rewards. I thought the cereal bars were a particularly good deal as they were .50 per box after coupons.
This is why I love coupons and rebates.
Tuesday, September 02, 2008
Monday, August 18, 2008
Friday, August 15, 2008
Congratulations to Chris from St. Mary's! You are the new owner of Millionaire Women Next Door. Here's the winning comment:
"I'm new to personal finance and everything I've read has been online. I don't have a favorite personal finance book because I've never read any. I've tried getting TMMO through local library, but don't want to wait forever to get to the top of the hold list. I'd like Millionaire Women Next Door to be my first."
Thanks to all for entering! I was surprised that so many said they'd never read any personal finance books. In the future I will talk more about some of my favorites.
Chris, email me at thefrugalshrink AT yahoo DOT com with your name and address and I'll get this sent out to you.
Tuesday, August 12, 2008
Monday, August 11, 2008
What I learned:
1) Millionaire women have very clear goals (daily, weekly, monthly, annual, lifetime). They are more likely than their male counterparts to have these clearly defined goals.
2) Millionaire women largely have parents that set them up to succeed. Most millionaire women (not all) had parents that exhibited the following values/traits: empathy, leadership, happiness, independence, and responsiveness. These parents taught their daughters how to get along well with others, how to lead, how to be happy with where they are, how to be independent, and how to respond well to others.
3) Millionaire women began earning money at an early age. Most of these women were not the products of well-to-do parents, and their entrepreneurial spirit was evident early on.
4) Millionaire women are givers. They give a great deal to church and charity. Sometimes they give too much to family and enable their children to become economically dependent on them.
5) Millionaire women are self-employed. Sometimes they are engaged in unusual businesses. They see a need and figure out how to fill it and fill it well. Top earning careers for these women are management and consulting.
As with all of the Millionaire books, I think the most interesting part are the individual case studies. It's pretty interesting to see why people become what they become.
Want your own copy? I snagged an extra off of Paperback Swap to give to one of my readers. Leave a comment below telling me what your favorite personal finance book is and you will be entered into this giveaway. I'll draw a winner on Friday. Open to all in the U.S.
Wednesday, August 06, 2008
Also today I picked up some white 100% cotton bond paper for free at Staples (used my rewards certificate) to print my dissertation on. I've had to make a few minor changes following the defense, but it looks like I will be ready to print and turn in the required copies in the next week or so.
Both of these incidences were very clear reminders that I am getting ready to graduate with my doctorate. This is not something that my brain has accepted yet. I will be done with my internship at the end of August and will officially have the doctorate September 1st, although my graduation ceremony isn't until October. I have been focused on this goal since I was 17 and I have just been running as fast and as hard as I can since that time trying to get to where I am now.
Now here I am at the finish line, and I don't quite know what to do with myself. It's definitely a happy thing, but something that is going to take some time for me to wrap my head around.
Monday, August 04, 2008
Sunday, August 03, 2008
Saturday, August 02, 2008
I'm trying to stop buying unreasonably tall and/or uncomfortable shoes due to joint problems. I've been getting rid of my unreasonable shoes but let me tell you it is no easy task to find cute low-heeled shoes!!
Here's what I bought:
Green linen sling back sandals- originally $35:
Sofft (love this brand for comfort!) leather sandals- originally $70:
Friday, August 01, 2008
Wednesday, July 30, 2008
And I'm pretty sure I like it better than before! Basically, you can take in three ink cartridges (Dell, HP, or Lexmark) per day and they will periodically mail you one coupon for all of the ink cartridges that you've redeemed. I like it better because I could potentially save up and have quite a large coupon to spend at one time.
The downside is that I'm not frequently near a Staples store anymore, so I will have to carefully plan on recycling cartridges when I'm in the area. I have been saving ink cartridges in the trunk of my car until I could be sure that I wanted to continue with the Staples program, so I guess it's time to start recycling!
Tuesday, July 29, 2008
Anyhoo, prices are cheap. The lady working at the store (incidentally, she was my first-grade teacher) tried to charge me $4 for this stack. "How about $5?" I asked, feeling guilty for spending so little and getting so much. Then I just gave her a ten and told her to keep it. I am terrified that they will close this place down, so I try to donate something extra every time that I'm there. Also, I seem to be the kiss of death for stores. If I love it, it will close.
So I say keep the change as long as you keep your doors open and let me feed my addiction.
Sunday, July 27, 2008
Bitten by Sarah Jessica Parker suit- $8.98 per piece at Steve & Barry's. I was in need of a suit since I've lost weight and none of mine fit me right now. It's even a wool blend! Jacket is lined but skirt isn't- it definitely needs a slip underneath.
Banana Republic jacket- originally $148. Was $27.xx on sale and I had a $15 off coupon. Paid about $13. Did I tell you guys that I am going to be presenting at a national conference in November? Whoo hoo! So this is a legitimate purchase for that occasion. Ahem.
Saturday, July 26, 2008
Wow Dr. Tessa, this is a generous offer! I was flying home from a business conference and tried a friend's ipod. I declared right then and there that I want one for my birthday. Ok: I'm frugal when I make homemade pizza or salads for dinner and then use our bogo Dairy Queen coupons after seeing the free big band music on the weekends for our "date out". I'm not frugal when my daughter has the same day off of work as me. Then we go to lunch wherever she wants to go, mostly because it doesn't happen that often.
Her entry was randomly selected through one of those internet number generator thingamajigs, not just 'cause she called me Dr. Tessa and that made me smile. ;)
I have so enjoyed reading all of your entries! It is really interesting to see what is important to each of you. To be honest, I did this contest in part to make some of you comment here for the first time! I can "see" the number/location of the people who visit, but I wanted to know who you guys are. Thanks to all who commented and entered the contest.
Beachnerd, email me at thefrugalshrink AT yahoo DOT com with your name, address, what color Ipod shuffle you want, and what you would like to have engraved on it. Congratulations! :D
Tuesday, July 22, 2008
Anyhoo, this week's deals:
Therabreath Starter Kit 9.99 (will be FAR)
Dawn dish soap .49 (used a .50 manufacturer's coupon)
Air freshener 1.50 for two (used a BOGOF coupon- not a great price, but my stockpile is low)
Reynolds wrap .34 (used a .55 manufacturer's coupon)
Nature Made Vitamins 9.99 (will be FAR)
Sandwich baggies .99 (needed these)
Scotch tape 3/1.00 (remember my traumatic no-name tape story?)
Pilot 2-pack of pens 1.00 (will be FAR)
3 packs of Papermate mechanical pencils .15 total
Chocolate bar .99 (will be FAR)
Total spent after taxes (I used a previous WG gift card): $28.32.
Total that I will get back in rebates: $24.16 (including the 10% bonus)
Total spent: $4.16
Also, I told myself that this would be the year that I would stay away from the school supply deals. I'm still trying to get rid of/use up supplies from two stinkin' years ago. However, the siren song of .05 packs of pencils was too much for me to handle. It is a sickness, I tell you! One that apparently runs in my family- not that I'm blaming anyone. ;)
Monday, July 21, 2008
For many years, I have guffawed at how everyone had to have an mp3 player, let alone one made by Apple. I should just never open my mouth.
For my birthday (June 4th), my mom offered to get me a shuffle. I thought that sounded good, since I could use it when I exercised. Since that time, I have had an ongoing love affair with this tiny thing, except for one traumatic incident where I accidentally threw away the headphones. People, it makes *everything* better!! Need some motivation for exercising? Ipod shuffle. Hate doing chores around the house? Ipod shuffle. Want to tune out your children/spouse/boss? Ipod shuffle.
I love it so much that I am going to pony up the money for one of you to have one. All you have to do is leave a comment telling me one way that you are frugal and one way that you aren't. I will randomly draw a winner on Saturday. Make sure your comment includes some way that I can reach you. This is open to anyone in the U.S., including people that I know in real life and/or relatives. 'Cause I totally believe in nepotism.
Saturday, July 19, 2008
Wednesday, July 16, 2008
Monday, July 07, 2008
Tuesday, July 01, 2008
Please excuse the terrible photos- these pictures do not do justice to how beautiful this furniture is! I have all of the above pieces + one more nightstand and a standing mirror. I'll try to take better pictures soon in the daylight.