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Christmas/birthday/vacation fund

January 16th, 2015 at 06:07 pm

Ok, the week is not done yet, but I was able to earn other $5.00 cash from gifthulk, which brings total to $45.50. But I do worry about my $5 target GC from swagbucks, which is under revision for some reason.

I have points on other sites, which I think I better redeem soon.

Mypoints have enough for $5.00 GC
Valued opinion for $20 GC or cash
My soapbox has $12.00 available to redeem for GC also
I have InboxDollars around $26.00, but won't able to redeem until I hit $30
So, around $63 in rewards.

All this online rewards are not main resources for this funds, just little additions, which will help little by little.

Here is plan:

Bing search rewards
26 points daily 317 days , about 18 $5 GC or $90
16 points daily 317 days, about 17 $3 GC or $51

Really not sure, since I am new, but I already managed receive $15.00, so hopefully $5.00 a month , so $50 cash

Lately it is not crediting good and takes too much time, I will be lucky if I get to $5.00 a month, so other $50

Other sites I don't consider, since it is too much time, well let say we get $20 in whole year from other sites.

Shopkicks app
Let's say $5.00 a month, so $50

So I hope from online activities: $310 plus whatever I already earn, let's say $450-$500.

I know it is not much, but it will cover half of birthday fund.

Our progress

February 17th, 2014 at 09:55 pm

My husband and I signed up for Dave Ramsey financial peace university. I am grateful that church waived fee for us. Finally, I can say my husband is on the same page with me.

So here our insight on our financials:

We paid off 2 credit cards and personal debt, so we have 2 cards to go and car loan. We was able to save $1500 for emergency fund, still need $1000 so, until we pay off rest of debt. My online survey taking, swagbucks and etc, brought us $100 in cash for Christmas plus $25 gift card for kids clothes and $20 gift card for my husband for Christmas or birthday. Also we still participating in 365 days for each kid and 52 weeks challenge, so we have around $38.00 and $36.00.

Of course all of this saving didn't come easy, my husband had to do multiple gigs and tax refund helped. Not to mention we live in very tight budget, where is no room for entertainment or eating out or any extra purchases except basic necessities, like diapers, soap and etc.

Let's the year begin.

January 1st, 2014 at 10:57 pm

So today we sat down with my husband and decide to discuss our financial situation. It is in horrible state right now. He had bad month and was not bringing much needed money, unfortunately because of that we have outstanding bills, which need to be addressed.
But we decide that for month of January we are in non spending band. Only the items can be bought is food, gas for car, food for cat(we out, otherwise I would not even buy that) and bills. Also we decide to participate in 52 weeks challenge and 365 day challenge multiple twice. 52 weeks challenge would be great for emergency fund and 365 day for kids birthdays and Christmas presents.

So here:
January, 1st $0.01 for E, $0.01 for D.
Food budget is $350.00

Tomorrow I will sit down and will do budget for January. Yikes. I don't want to even know how much we own.