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Garage sale was less than successful ...

March 7th, 2009 at 04:15 pm

Well, I guess it always could have been worse, but I didn't get rid of nearly as much stuff as I wanted to! I made $350 but my biggest objective in having this sale was to get rid of stuff so I don't have to move it next week. (In fact, I can't move it next week because I will have nowhere to put it in my apartment!) I can pack up all the books (a ton) and CDs (not so many) and take them to Half Price Books and be happy with whatever I get, but I have a LOT of other things too (mainly decorative items). So, the question is: what can I do to get rid of all my garage sale leftovers ... in the next week ... when I am supposed to work Monday through Thursday ... and I haven't started packing yet for the Saturday move???

Something Weird, and Motivation to Declutter (Finally!)

February 24th, 2009 at 06:32 pm

What finally gave me the motivation to declutter? I'm moving!! I am SO excited ... I hate moving, but I am sick to death of the place I've been living in because the landlord does LESS than the bare minimum as far as maintenance and repairs go and the place has become such a dump over the past 6 years. I've had my sights set on an apartment complex less than a mile from where I currently live for over 6 months now, and I've been not-so-patiently waiting for a 3-bedroom apartment WITH a garage to become available ... and one finally did! I haven't lived in an apartment since college, and I'm sure there will be things I don't like about it ... but it's a fairly new complex, the apartments themselves are very nice and modern, and I won't have to deal with maintenance issues, yard work, OR a landlord I cannot reach! I'm THRILLED!!

SO. I've been working at cleaning out the garage, closets, etc., all of which are packed to the rafters. I moved into this house from a much larger place following a divorce 6 years ago, and told myself at that time that I'd have a garage sale "someday" but that day hasn't come until NOW! Garage sale day is March 7, and moving day is March 14. I am really CLEANING OUT and getting rid of a LOT of stuff. I am being relentless, because I am SO tired of being surrounded by so much clutter! I can't tell you how much I am looking forward to living more simply. AND, I can't tell you how much I look forward to making money by selling my stuff! Here's hoping March 7 is a beautiful day and I have a successful garage sale!

From a money-saving standpoint, the move isn't going to make much difference in my monthly bills. My rent will actually be about 10% more in the apartment, but I am hoping there will be a substantial decrease in my utilities (primarily electricity) to offset that. I really think there will be, because this house is in such poor shape that there is NO energy efficiency whatsoever. I'm sure the apartment won't be the best, but it's got to be better than this house. We shall see!

As for the something weird, it's about my Capital One cards again (I have two of them). Last month I blogged about how the APR had been lowered ... well, it's been lowered again, on BOTH cards! I accessed the accounts online last night, and pulled up the statements for each of the past four months. For the period ending Oct. 28, the APR on both cards was 24.9%. For the period ending Nov. 28, the APR on both cards was lowered to 24.4%. For the period ending Dec. 29, the APR on the higher-limit card was lowered to 14.65% and the APR on the lower-limit card was lowered to 14.4%. And, most recently, for the period ending Jan. 28, the APR on the higher-limit card has been lowered to 12.9% and the APR on the lower-limit card has been lowered to 12.65%!!! LOVE IT, and would love to see this trend continue!! Smile

This 'n That

August 3rd, 2008 at 09:30 pm

Well, I've made a few more sales on half.com, and my profit stands at right around $40 now. I haven't received any of that money yet, but half of it should hit my account tomorrow or Tuesday. I decided to close my SmartyPig account (already!) so it's gone from my sidebar. I had $75.11 in that, and I needed money to buy my son some things to get him ready to go off to college in a couple of weeks ... so I decided it would be better to close that account than to defrost a credit card! Smile I am really feeling the pinch of that reduction in child support a couple of months ago. I just really hate to go get another job on top of my full-time job, because that will leave my 13-year-old daughter home alone an awful lot. But I may have no choice. I keep thinking I'll see how long I can hold out, and if I can just make it to next year things will look up. I'll get a salary increase in February, and hopefully something from the IRS. (Not sure about the IRS refund; I have gotten large amounts in past years due to earning such a low amount throughout the year; however, with this job I'm working now I have no basis for comparison.) But even if I can "hang on" ... that's still another 6+ months away, which is a long time.

In the meantime, I am paying the minimums on my credit cards again, but at least I am able to do that ... I refuse to make any more late payments or, worse yet, no payments at all! The progress has been slow, but at least I have made progress. Since the beginning of the year, I have whittled just over $1,300 off my debt, and I'm almost under $12,000 total now. At the same time, I have incurred NO NEW DEBT, woo-hoo!! I know as long as I keep doing what I'm doing, things will get easier with time. And I am still saving a little money and contributing 6% to my 401K. I have to keep positively reinforcing myself here! Smile

I got some good deals yesterday at JCPenney. I had to get some sheets and shorts for my son, like I said earlier. There was an ad in the newspaper on Thursday about a sale JCPenney was having, and they had their extra long twin size sheets on sale for $14.99/set. I thought that was a pretty good price, so I hauled my son out there on Saturday morning w/me to see if they also had any shorts he might like. I wanted to get what we needed before 1:00 to get the early bird discount (an extra 10% off), which we did. As it turned out, all their young men's shorts were on sale for $9.99/pair! The athletic shorts (basketball-type) weren't included, but those were 30% off. So we walked out of there with 2 sets of sheets and 6 pairs of shorts (4 regular, 2 athletic) for $112 total, which I didn't think was too bad. The last time I bought shorts for him, I can tell you I paid more than $10/pair!!

Oh, and I have to get in here that I had 10 no-spenders in July, woo-hoo!

Selling Stuff

July 19th, 2008 at 01:48 pm

I listed about a dozen books on half.com earlier this week, and sold two right away! Nothing since then, though. I should make about $13 profit from those two sales.

This afternoon I listed two things on Craigslist. The first was a very large guinea pig cage. We haven't had guinea pigs for quite awhile, and I had listed the cage on Craigslist before, but had no luck. This time, I got a hit 5 minutes after the listing posted. Just before our last guinea pig died, I had stocked up on supplies, so I threw the rest of those in the deal along with the cage. The people that are buying it all are getting a great deal for $30, but I'm getting rid of "clutter"!! They're supposed to be here any minute to pick the stuff up.

I also listed a couple of Raggedy Ann & Andy dolls on Craigslist ... these dolls are 4 feet tall and are called "dancing" dolls because they have wide elastic straps sewn to their hands/feet, and kids can strap 'em on and dance with 'em! (At least, that's what I was told when I originally bought them 18+ years ago as nursery decorating items when I was pregnant with my son.) I listed them for $75 neg. and I doubt I'll get any bites, but who knows? Now I'm looking around the house trying to find something else I think might go quickly on Craigslist!

I updated my sidebar to show the $150 deducted from my Challenge money for the refrigerator I bought last weekend off Craigslist. I think I'll leave my EF untouched in ING.