Wednesday, July 30, 2008

Savings Account

One of the best things that we have done was open a savings account that automatically takes money out of our checking account. I started slow with $25 a month. That seemed painless enough so I worked my way up to $100 a month. If my husband or I work an extra job or a few extra hours, I'll make a one time transfer into that savings account. I don't do any other banking online, but I'm comfortable with this account. I've also found that it becomes a challenge for me to see how much extra I can deposit each month. It's also very rewarding to check the account and see how much it's grown and how much it's made in interest. We have made a deal not to withdraw from this account at all. It's totally separate from our regular savings or emergency fund. I am surprised at how much it has already grown in less then one year! I'm hoping that in a few years we'll be pleasantly shocked at how much we've been able to save with just a few dollars at a time. Let me know if you have any tricks or tips on ways that you save, I'd love to hear them.

Target


Sorry the picture is a little fuzzy. The kids were outside and I wanted to hide a few things in the closet for Christmas before they came in so I didn't notice the picture was bad until too late.
Here's the scoop
Hot wheels spin slammer (was 19.99) - $4.98
Transformer transportable activity center (was 29.99) - $7.48
Digital spy camera (was 14.99) - $7.98
Power Ranger jungle fury walkie-talkies (was 19.99) - 4.98
Spiderman deluxe chalk set (was 3.14) - $1.57 (got 2)
MXS motorcycle toy (was 3.79) - $ .94 (got 2)
Big bag of knights (was 1.99) - $1.99
Large sling shot (nerf like) (was 2.99) - $1.48
Double pack Ziplock bags (was 4.99)- $3.49
Diamond plastic silverware (was 3.38) - $3.99
Purex 2x detergent (was 2.99) - $2.49
All 2x (was 4.99) - $1.64
Solo cups (was 3.99) - $3.38
Dixie plates (was 3.99) - $3.38
6 pk elmers - $1.00 (got 2)
Composition books - $ .50 (got 3)
10 pack of 70 ct notebooks - $ .50
10 pack portfolios - $1.00
I know some of the deals don't sound to good, but the purex, ziploc, diamond silverware, All, solo cups & dixie plates were all limited edition sizes (larger then usual) and were good deals without being on clearance. I also had a purex coupon for .50 & a target coupon for $1.50 off the All. Some things were bought specifically for the party Saturday so I couldn't wait for another markdown, but I will be checking back on Monday to see if anything has been marked down more. I also splurged on the digital spy camera. It was only 50% off, but it was the last one and my son is very into the spygear stuff and will love it. I'll use the less expensive toys as party favors and save a lot that way. I had made a trip to Michaels a few weeks ago and they had a bunch of notebooks and girl things on clearance for .50 cents each so this will be the least amount of money I've ever spent on party favors and I brought home better things then ever before.
My total at Target including tax was $60.36. Definitely a budget breaker. I don't know what the normal prices on the school supplies were so just using the sale price on those I brought home $136.73 worth of stuff ($145.62 with tax?) So I saved over $85.00 which isn't too shabby.

I blew my budget


OK I'll admit it, I threw the budget out the window this week. But, in my defense, I got a lot of good deals. We are also having my son's birthday party on Saturday and I usually would be spending a fortune just on that so I really have saved a lot this week. Lets start with Office Max...

Unfortunately I've missed out on some of the great Staples deals as I don't have a Staples near me so I had to take advantage of Office Max since I was right there. I was a little disappointed because I was there Monday and some of the items were already gone, which really annoys me, but I still did good. Take note in the picture of how the sharpie high-liters look. When I brought them to the register I asked if they were the ones on sale and the salesgirl said no. She began to ring them up and as I said I don't want them if they aren't on sale I saw that they rang up with the sales price. The sales girl was shocked, and as the store was out of the ones that were supposed to be on sale I was thrilled to get them.
3 sharpie mini high-liters .15 cents
3 ring binder rulers .03 cents
2 micro ban scissors pointed $1.98
3 blunt scissors .75 cents
3 color crayons 24ct .03 cents
set of 5 pink erasers .99 cents
Avery 8 tab inserts .99 cents
So I got $21.34 worth of school stuff for $5.24
Next stop Target