A Dime at a Time

Navigating life and finances

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Watch your Prices!

August 10, 2018 By: Lucy17 Comments

This past week I’ve had two instances of being overcharged.  The first time was at the grocery store.  Scanning my receipt as I was walking out, I quickly saw that one item rang up as a dollar too much.  While to some people, a dollar might not seem worth the trouble of going to customer service and getting it corrected, but to me it is.  I also happen to live in a state that has a scanner law. What this means is that you get the difference, plus an additional bonus of up to $5.  For me, the dollar overcharge became $6 back in my pocket.  Glad I was paying attention! [Read more…]

Flood of Bills

August 2, 2018 By: Lucy23 Comments

Our first load of wood was delivered yesterday, all $450 worth! While the person we buy from is cash or check only, it still feels good that we are in a position to do so.  In the past, paying for all the irregular expense that come our way would have had us reaching for a credit card.  We sure have made some very positive changes since starting this journey!  In another month or so (read: when money permits!), we will order another load of wood.  We still have a fair amount left over from last burning season, but it is good to have more seasoning for the coming year.  Such a vicious cycle.  Lol. If you’re interested, I’m hosting a wood stacking party for anyone who’d like to stop on over.  I’ll provide the wood!  😉 [Read more…]

Ten Miscellaneous Things about Lucy

July 29, 2018 By: Lucy7 Comments

Today’s post is brought to you thanks to a reply from a comment I made over at Sluggy’s blog, Don’t Read; This, It’s Boring.  She replied that she had not heard about me traveling the world.  With that in mind, I decided to write this “Ten miscellaneous things about Lucy” post.   [Read more…]

Money well spent

July 26, 2018 By: Lucy14 Comments

I am thrilled to report that our driveway work is complete!  It looks fantastic, and best of all, we will now be able to get up and down it without any difficulty…well, except perhaps during snowy, icy weather!  Can’t say that I’m too concerned with that though, as the snow and ice have always melted quickly on the hill.  My hunch is that with the recycled asphalt, it will melt all the quicker.  The three culverts were already put to the test last night with heavy rains.  Thankfully, no signs of a ravine!  Not that I wanted to spend extra money, especially at this point of our debt free journey, but it was necessary.  For that, I feel it was money well spent.   [Read more…]

Mini Update

July 22, 2018 By: Lucy13 Comments

Our budget is super tight right now, but we did make a little more progress this past week with three debts seeing a decrease.   The beast (aka Discover) is now down to $7,800.  The car is at $5,635.45.  Citi is at $6,580.  The Visa remains the same and won’t see another change until next month.  The overall decrease from my report of last week is $571.13.  We also paid August’s mortgage payment, which feels good to have out of the way for another month. [Read more…]

Update Time: 7-15-2018

July 15, 2018 By: Lucy16 Comments

Other than giving a total of where our debt stood, I missed my last update.  This post shows where we stand as of today.

 

 

[Read more…]

The Dock Project

July 13, 2018 By: Lucy20 Comments

Just because you are digging out of debt, it doesn’t mean you can’t accomplish other goals. Ever since moving to our lake house three years ago, Hubs has wanted to build a dock over the rock jetty we have on our frontage.  Our best guess is that these rocks came from the excavating of what is now the basement of our house.  To say that we live in a very rocky area is putting it mildly!  No matter how the rocks/boulders got out there, it made for the perfect place to add a dock.  As to how we paid for our new dock, keep reading! [Read more…]

Goodbye, Dear Friend. You will be missed!

July 10, 2018 By: Lucy14 Comments

Today the office in which I work received word that the 80+-year-old secretary had passed away earlier this morning.  As sad as the news was, it didn’t come as a huge surprise.  I had visited with her twice since she retired, and I could sense that she had given up.  Work was her life.  Although receiving a terminal diagnosis of cancer is the reason she retired, I don’t feel that is what took her.  It was knowing she would never again return to the office.   [Read more…]

Catching Up-Long Post

July 7, 2018 By: Lucy16 Comments

I am back from my trip!  Had a great time, but it is always good to get back home.  I was gone a total of five nights, although it felt like much longer than that.  I’m guessing this is because I hadn’t gone anywhere overnight for well over a year.  Three of the nights were in hotels, and the other two were on a couch at my brother’s lake house.  I won’t bore you all the details (or at least not in this post), but I spent time with my new grandbaby, my son along with his wife, two siblings along with their spouses and kids, and of course, my elderly father.   [Read more…]

$700 More and Other Happenings

June 22, 2018 By: Lucy20 Comments

Today I sent another $400 to The Beast (aka Discover) and a payment of $105 to Citi.  The debt is going down!  In fact, it is going down so much that I didn’t realize just how close we are to getting out of the 30s.  That’s right; if we can pay a smidge under $700 more, our debt could be in the 20s before July rolls around.  Psychologically, that number sounds much better!   [Read more…]

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Featured Post

Frustration with Walmart’s Straight Talk service

Still searching…sigh. No, I am not still searching for a provider, my provider can’t seem to find service and make a connection.  Grr.  As I mentioned in a previous post, I made the switch (not by choice) to another phone provider.  In trying to be frugal, I went with Walmart’s Straight Service.  BIG mistake.  

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