Saturday, June 27, 2015

The 27th

I am still working on my ugliest loan 1-10. I paid an extra $423.19 on it. Here is the breakdown:


5/30-I saved $124.19 from my paycheck which are my raises from the past two years that I pretended that I did not get.


6/13-I saved $224.29 from my paycheck which are a combination of raises that I pretended that I did not get, plus pay from an extra 4 hour shift that I picked up.


6/18-I got a check for $43.22 from my local consignment shop for clothes and other items that I no longer needed


I always put aside $200 which was my monthly payment for my student loans and since I have been paying them off, the automated payment goes down. This month, my automated payment was $168.51 which subtracted from $200 is $31.49


Grand total: $423.19 extra added to my 1-10 loan bringing the balance down to: $3809.06


I hate this loan. I hate the 6.8% interest rate and I just want it gone. The motivation to get rid of this one and the 1-12 loan of $4066.20, also at 6.8% is very strong. I plan to keep a baseline in my savings account and when I get about $4050 over the baseline, I will put it towards the 1-12 loan, just to get rid of it, while still whittling away at 1-10.


My goal is to have both of these loans gone by October so I will have no more loans at 6.8% and have the rest at 2.3% to pay off.

Tuesday, June 23, 2015

Crazy Things I Do To Make Money

I rarely go shopping for things other than food and clothes when I need them, but there are some useful apps that I have found that make you money or have you earn gift cards for things that you are already buying anyways.


Receipt Hog


This is an app that you can download where you take pictures of receipts and then submit them and you earn coins and slot spins that earn you even more coins. The coins can be redeemed for Amazon gift cards or get money through Pay Pal. They also have a referral program where you can earn spins at the slots for every friend that you refer and then that friend will earn 5 spins for being referred. If you want to use my referral code it is: CLEL4102. You don't have to use my referral code at all if you don't want to, you can still register for it. I think that downloading the app to upload receipts that you get every week anyways from grocery shopping is worth it.


Walmart Savings Catcher


I go to Walmart every week to do part of my grocery shopping. I recently started using this app and I have already received $7.04 in cash back from another competitor having a lower price than Walmart. You take a picture of your receipt or type in the TC code and then submit it and then Walmart compares your receipt with prices at other competitors and they send you an e-mail in 3 days saying if you got money back. The money is given back in a Walmart gift card that can be used for future grocery shopping trips.


Consignment Shops


I love consignment shops. You drop off things that you no longer love or will use again and they price it and sell it and you get a portion of the profit. The one in my area that I use has a 60/40 split and I get 40% of the profit.


Reward Credit Cards


My bank has a rewards credit card that earns points that can be redeemed in all kinds of ways. I use the points to redeem gift cards that I use for Christmas gifts every year. It's like a no spend Christmas.


Doing Surveys on the Bottom of Receipts


I am hesitant to put this one on the list because I have never won any money so far from doing these surveys, but it's a free way to win money so I take the time to do them at the bottom of receipts and wait patiently to see if I hear anything about winning. I'm not sure what the chances of winning are, but it's fun to try.