Financial Babble

Since my last coupon post, I have contacted about 30 more companies. I didn’t receive any more coupons through the mail since Monday. I broke out of my shell for a moment. I made a post in a neighborhood app and a Facebook neighborhood group requesting any unwanted coupons. I actually received a few responses. Oh and I contacted a nearby friend of mine who has great experience in couponing. I have a bit more confidence in my journey. That’s my coupon update, which I didn’t see a need for it’s own post.

In other financial news, I recently received a call from my credit card company regarding a lower rate. I called them back today and found out it was a fraud call. However, while I had them on the phone, I asked what offers were available to me. It didn’t cost anything, but a few extra minutes. They upgraded me to a higher rewards card, so I’ll be receiving more cash back. It was totally worth those few minutes.

Every single day, I’m working on our finances. Whether it’s ways to save money or make money. I rarely impulse buy. I will jump through hoops to save. Then of course, the best part, the shopping while knowing that we have the extra money to do so. It makes it all worth it. Especially knowing what it’s like to not have the money. I’m grateful for anything extra I can do to better my family. Every little bit really does help.

Coupon Mission: Update 2

I don’t have much of an update, but I have made some progress.

So this weekend, I got the Sunday paper ads and coupons. I checked what deals I could get at Rite Aid and if it’s worth going through the trouble this week. It was, so I focused on their ad and what coupons I had on hand. I finally went shopping today and ended up spending $19.92 on Crest, ZZZQuil, 3 Pantene, and razors. I saved $22.37 between store deals and coupons. I also now have purchases tallying towards cash back. For example, spend $50 on P&G items and get $15 back. Not too terrible for my first trip back on the mega coupon wagon.

Yesterday, I received a stack of mail full of coupons from Daisy, Celestial Seasonings, Bush’s, Juicy Juice, Kelloggs, and Hostess. They also sent me letters advising of where I can get more coupons. I even got a few recipes too. I’m going to send out another batch of requests soon. Once I get through my list, I’ll post all of the companies that send me coupons.

The next thing I need to figure out is my plan for printing coupons. Since I rarely print, I have a subscription that allows me to print 15 pages a month for free. If I will be printing coupons, this will definitely increase fairly quickly.

Like I said, it’s not much of an update. But it is definitely progress.

Coupon Mission: Update 1

I recently posted that I’m on a mission to be a for-real couponer. I already save money literally everywhere else in our household budget, so it’s time to take on that ever growing grocery bill.

Granted, I do buy a lot of items. My cart is always overflowing and I usually fill both refrigerators, freezers, pantry, cabinets, and then some. It just bothers me, knowing that I can save so much more. I use my store’s loyalty program and buy things on sale. I just really need to use more coupons. The issue is finding ones that we can actually use.

Since my last post, I have reached out to 46 companies requesting coupons. For the majority of them, I just had to fill out forms on their sites. I also created a new email address specifically for this. I’ve already received several responses. A bunch said they would mail coupons to me. Most of them advised that they could not send anything, but then they directed me to where I could get their coupons. Some companies post them on Facebook, while others are sent via their newsletters. I’ve also found some that have points programs. When I’m more organized, I can post more detailed information of what I’ve found.

I recently went grocery shopping and don’t have a ton of coupons, so I won’t have any major progress yet. I just have to stay focused and remember that the end results will make all of this worth it. I am also going to begin couponing at the pharmacy again. I did really well with it before. That will help me stay on track in the meantime.

For more ways to save money, visit the Financial Tips page.

Mission to Extreme Couponing

I’ve been flip flopping with coupons over the years. I don’t mean using some coupons here and there to save a few bucks. I mean the legit couponing, where you pay virtually nothing. When I used them religiously, I did fairly well. But certain things have caused me to fall off the wagon.

There was a time when I clipped every coupon. I got the big hot pink binder to file them and a smaller one to take to the store. I wandered through the aisles, attempting to follow my list, while checking deals, and fumbling through a binder full of coupons. No matter how prepared I thought I was, it was very overwhelming for me and I could never manage it properly. I get confused, forget to use a coupon, or get stuck calculating if it was even worth using. By the end of the shopping trip, I saved very little, was super stressed, and didn’t even buy all the things I needed. I ditched the binders and used a small envelope organizer. That didn’t help at all. Eventually I realized it was causing me way too much anxiety. From then on, if I managed to use a coupon I would just appreciate the savings.

Sometime later, I started using the Krazy Coupon Lady site/app. It really helped me a lot, giving me some guidance to get a handle on the process. KCL shows you where to find deals, coupons, policies, etc. I was getting about 20 packs of newspapers every week. I focused on CVS since it was the pharmacy I used, it was familiar to me, and they always had decent deals to begin with. I made my list of items with notes, got my coupon stack, and went shopping. I actually was able to get nearly all of my items for free. On some trips, they even paid me.

This was a wonderful thing…when it worked. A lot of times, I would sabotage myself by screwing something up or getting side tracked. The store would be out of an item and I’d have to rethink things, then my anxiety would take over. I ended up slacking off. Then there was no CVS where I moved to. I have a Rite Aid, but never really attempted it there. Or anywhere else.

I’m tired of seeing $300 grocery shopping bills. It’s out of control. I do buy a decent amount of stuff to stock up and fill both of our refrigerators, freezers, and pantry. But still, this is a huge amount of money when I know for a fact I could save more.

I am on a mission to be a for real couponer. I save money literally everywhere else on our household budget. I’ve done some research and made some notes. I already do the majority of the following, but I do need to start contacting companies and purchase more papers. Let’s see how much I can save going forward. I’ll be keeping a closer eye on this.

  • Newspaper inserts.
  • Get extra newspapers from Dollar Tree for $1 each.
  • Print coupons from the manufacturer’s site.
  • Reach out to companies to send you coupons.
  • Use apps for cash back.
  • Use store loyalty programs.

For more ways to save money, visit the Financial Tips page.

eBay Coins Update #5

The following coins are currently for sale on eBay.

All auctions include a FREE extra coin and FREE shipping. (Value of extra coin varies.)


Lot Of 1958 D Lincoln Wheat Cents

Fine to XFine
Key Date

https://www.ebay.com/itm/283922610937


2005 D Lincoln Memorial Penny

Doubled Die

https://www.ebay.com/itm/283922616659


Lot of 1951 Lincoln Wheat Cents

Fine to XFine
Nice Tones

https://www.ebay.com/itm/283923641370


1975 P Lincoln Memorial Red Cent

DDO
DDR’s

https://www.ebay.com/itm/283923807508


1955 D Jefferson Nickel

Nice Condition

https://www.ebay.com/itm/283921523000


1981 P Lincoln Memorial Penny

Unique Toning?
Or Die Clash?

https://www.ebay.com/itm/283921525075


1971 D Lincoln Memorial Penny

RPM D/D
DDO Date

https://www.ebay.com/itm/283925750642


1991 D Roosevelt Dime

RPM D/D
DDO Date
Double Collar

https://www.ebay.com/itm/283925760387


1973 P Lincoln Memorial Penny

AU Red
Railroad Rim

https://www.ebay.com/itm/283925767969


Lot of 1964 & 1964 D Lincoln Memorial Pennies

Fine to Xfine

https://www.ebay.com/itm/283884087322


Mixed Lot of Wheat Cents

1918 to 1958
Various Cond

https://www.ebay.com/itm/283884169958


Always Rearranging

I am always rearranging everything. Physical things around me, my site, social accounts, spreadsheets, and so on. (Even my life has changed so many times, but that’s a post for another day.) It doesn’t help that my ADHD and OCD constantly battle each other. Then add my memory loss, among other things. It’s out of control.

I rearrange drawers, cabinets, paperwork, nick nacks, and anything that isn’t bolted down. My family often gets mad at me for this. They can’t find the things that were there before. I always justify that it’s in such a better spot now. Then I sometimes forget where I moved them to.

I reorganize my spreadsheets before I complete the tasks that they were created for. I have a budget spreadsheet that has morphed so many times. I also have several test budget spreadsheets that never went much further than that. I often get so heavily involved in a sheet, then get sidetracked. A lot of times, I forget that I created them and what my intentions were.

I rearrange my site to better organize it so it flows and looks cleaner. I’m always trying it out this way or that way. Then a week later, I learn something and try to implement it. At some point later, I decide to change something else. Then I’m looking at different themes. During all of this, I think that no one will probably even notice the changes. I’m also not posting as much while this is happening because I get so overly involved with the layout. (By the way, I’m about to change the home page….I think.)

So with all that said, please forgive me for constantly moving things.
I’m really not trying to annoy anyone.


My Day: Car & Sprinker Dilemmas

We started off our day excited to get out for a bit, wash the new car, pick up some groceries, and whatnot. Then come home and run the sprinkler for my Scarlet and our puppy Bastian. Then reality set in.

Long story short, I recently sold my VW Convertible and purchased a Subaru wagon. We haven’t driven it much yet. Today we ventured out on our happy way, until we noticed that we couldn’t go over 20 mph. We pulled over and popped the hood to check things out. After a bit, we decided to get the car back home. So, none of our above mentioned things got done and now my car won’t work.

Once home, my daughter reminded me that we planned to set up the sprinkler. We don’t have a pool, the public one is closed, so it’s the next best thing. Or so I thought. Scarlet never played with a sprinkler before so she was excited to try it out. She got her bathing suit on and we got Bashy outside. I got the hose connected, and then the sprinkler. We started it up and yay! ….???

Bastian stretched out his chain as far as he could go to get away from the water. Scarlet jumped around a bit while trying to adjust the sprinkler to different spray settings. She said she was good and to turn it off. I disconnected the hose, it sprayed everywhere and got her in the eyes. I ran to shut it off and got everyone inside. Once everything calmed down, I asked if she at least had a little fun in the water. She said no, her and Bastian were terrified.

I guess we will be looking into small pool options. After, the car is brought back to life…hopefully.

Updating The Past

While updating my current content, I also like to make sure that my past is also properly reflected. If you’ve worked with LadySkullshine Entertainment, and you are not listed on my About Me page, please forgive my oversight or memory lapse. Let me know so I can correct it. If you send me your link, I will add that as well.

When I revamped things this last time, I just didn’t have the extra time to go through every single link and verify that what I had was still current. They were from over 5 yrs ago.  I also didn’t want to leave some and not others. It would seem like I was picking favorites.  So I removed them all.

I’m probably just being a massive packrat by keeping so much information on that page, but it’s a part of my history. Until I find a better way to organize my site, it will have to remain there. It’s the era of when LadySkullshine originated and shined. :)

eBay Coins Update #4

As I gave this a title, I realized that I’ve made a few posts already regarding updates on my coin auctions. So in an effort to stay consistent, I will start numbering them.

If anyone is interested, I have eight coin auctions currently active on eBay. I listed them below, along with each item’s link to eBay.

We actually have a whole lot more available, but haven’t had a lot of extra time to get them listed. Our general inventory is shown on the Numismatics /Auctions page. Let me know if there’s anything you are interested in.

We do our best to provide as much information as we can with detailed pictures, while also keeping our prices low. None of our coins have been graded. If we are unsure of a coin error, we will notate that as well. 

Follow my eBay seller page at https://www.ebay.com/usr/ladyskullshine.
We are now offering Free Shipping AND a Free Mystery Coin on each auction!

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1961 Jefferson Nickel

Doubled Die Obverse and Reverse – 2 Full Steps – Partial Double Collar On Reverse
Starting At $9.99
eBay Link: https://www.ebay.com/itm/283893675471


1958 D Lincoln Wheat Cents

Lot Of 3 – Fine to Extra Fine – Key Date – Nice Lot
Starting at $14.99
eBay Link: https://www.ebay.com/itm/283893763033


2005 D Lincoln Memorial Penny

Doubled Die
Starting at $9.99
eBay Link: https://www.ebay.com/itm/283893769727


1951 Lincoln Wheat Cents

Lot Of 8 – Fine to XFine – Nice Tones
Starting at $9.99
eBay Link: https://www.ebay.com/itm/283894870570


1955 D Jefferson Nickel

Nice Condition
Starting at $9.99
eBay Link: https://www.ebay.com/itm/283897023473


1981 P Lincoln Memorial Penny

We are unsure if this a Die Clash Error or just Unique Toning?
Starting at $9.99
eBay Link: https://www.ebay.com/itm/283897027630 


1964 & 1964 D Lincoln Memorial Pennies

Lot of 57 Pennies – Fine to Xfine Range
Buy It Now $30
eBay Link: https://www.ebay.com/itm/283884087322


Mixed Lot of Wheat Cents

Lot of 38 Pennies – 1918 to 1958 – Various Condition
Buy It Now $35
eBay Link: https://www.ebay.com/itm/283884169958


 

Paribus

Paribus helps you save money while shopping, and even afterwards. It’s affiliated with Wikibuy, which is part of Capital One. If you download the Wikibuy extension, it will check for coupon codes and the best price when you’re shopping online at certain stores. I’ve used it a few times to find the best deal.

Paribus also keeps track of your deliveries. When something arrives later than promised, Paribus will contact you advising that you may be eligible for compensation. I’ve done it twice this month. I often forget about this part since I’ve never had to utilize it, until recently.

My last two shipments from Amazon were late. The first one was slightly disappointing because I was looking forward to my new vacuum, but no big deal. The next day, I noticed that Paribus sent me a message. This directed me to their site to view the late delivery. They said I could contact Amazon via chat, while providing the link to do so. They even gave me the exact wording, including my order number. All I had to do was copy and paste the information into the chat. I received a $5 credit right away. They made it extremely quick and easy. I would guesstimate a few minutes total between receiving the email from Paribus and receiving a credit from Amazon. This happened again on another shipment and I was given $3 for that one.

I haven’t been able to locate a referral link or code to provide, but it’s still definitely worth sharing. Try it out https://paribus.co.

For more like this, see the Financial Tips page.