Better late than never

Am really trying hard to stay focused and making sure that I tell my money where to go!!

Goals for 2013:
Computer Savings: $780 now $76
EMF: $1405 Now $426
Reduce debt by: $4815 paid $0
(extra payments)
College Fees: $525 now $0
College Books: $110 now $0
DD Savings: $835 now $584

Now that I have them up here I am hoping that I will be able to make more regular payments towards each of them and "see my progress".
The extra debt payment is my snowball amount which I want to start applying once the EMF in funded to $1405 - can't be worrying about the Murphy again. (he had his turn with the car tires last week - enough already!)

Take care everyone - sad to hear about and see the results of the Bomb blasts in Boston...

not too much studying done!

Why is it that when there is studying to be done, I find a million gazillion better things to do

Took DD to have her hair braided today - budgeted but OMG it's so expensive to have braids and extensions. $50!!! But it's done now and she looks lovely.

The printer cartridge - found a generic one for $17 at the flea market. Before I took I asked the lady twice if I could bring it back if it didn't work and she said yes so.. I bought it. Rushed home and it works just fine - nice saving.

Then I popped in to the local gym to find out if we could transfer our membership from another branch - well that idea just kinda got blown out of the water - they wanted $62 per month versus our current $30 per month. Oh, but "if you are a member of a certain medical insurance scheme, you can get 80% discount"!!! Well sorry no - we belong to another medical scheme.

But it got me thinking "if that medical scheme offers benefits like discounts to a gym group what does ours offer?".

Back onto the internet, and lo and behold, we have a wellness programme, which costs $21 per month upfront and entitles you to the following:
15% discount on monthly gym fees
$33 per month rebate if you go to gym more than 12 times for that month
$11 standard rebate if you are even a gym member
AND
2 movie tickets per month for $3.30
AND
numerous other discounts....

So...
working out will pay us if we stay at our current gym - ha ha that means we will reduce our monthly gym fees from $30 to $2.50 per month - a saving of $27.50 per month which we will put into the computer fund.

Now how is that for creative investigation...

I love it...

AND

our biggest group of chain stores has just introduced a "coupon system" which you download onto your cell phone - at the check out counter you hand in the pin code and they deduct the coupon values

This is a first in South Africa and I am loving it....

What a good day today have been Smiles all round.

AND now I am going to study