Yeah, so my husband and I have always had this uncanny knack of being able to read each others minds, finish each others sentences, say what the other is thinking, etc.
Example:
The other night we had picked up some food from the store, stuff to have mexican food for dinner, some milk for cereal in the morning, and egg nog just cause we love it.
So I'm putting the milk and egg nog into the fridge, and almost, by habit, put the egg nog on the bottom shelf of the door. That's where we keep the milk because our fridge is weird and that's the only place it wont freeze or spoil when the weather is warm, plus the kids can reach it.
I second guessed myself thinking "If I put this on the bottom shelf, someone is going to wind up putting it in cereal in the morning, I can see it now".
Turned around... and hubby starts on saying "You know, I once put egg nog in my cereal because I was out of milk."
Wow.....
Showing posts with label Shop. Show all posts
Showing posts with label Shop. Show all posts
Thursday, October 29, 2009
Tuesday, September 1, 2009
Product Review: St. Ives Invigorating Apricot Scrub
No, I am NOT being paid or compensated in ANY way to post this opinion on St. Ives Invigorating Apricot Scrub.
-------------
Now that we have the formalities out of the way:
I LOVE IT!
Now, I'm typically an avid Avon user, but have been looking for a good exfoliant for awhile and hadn't found one through Avon yet (I AM associated with an Avon Independent Sales Rep. who provides for all of my Avon needs - Click the word Avon anywhere in this post and check out her site - so even though I appreciate any potential offers, I am already covered, thanks!)
Back to my story...
I got this and another St. Ives product from one of those Sample people (you know, like in Walmart Supercenters and SAMs club and places like that) and was excited to try this especially (the other was a Collagen Elastin moisturizer and Avon already has me covered in that department!), I have loved all the St. Ives products I have tried in the past (though there was a peel off face masque that caused my face to turn bright red... BUT I think that's cause I was pregnant... hormones you know), Anyway, I tried this in the shower last night, and my face feels GREAT! Immediately after I rinsed it off, my skin felt SOOOOOOOO smooth, it was awesome, I can't wait to try it again! Thankfully it wasn't a little dinky sample pack or something, it was an actual tube of it, possibly even full size.
-------------
Here's the details from their site:
Brighten Up. Your face comes first, and when it looks great, you do too. St. Ives Fresh Skin products - formulated from ingredients you know, like apricots, minerals and olives - give you the power to uncover your best you - naturally revealing fresh, glowing skin.
Invigorating Apricot Scrub
Exfoliates to reveal smooth, radiant skin
From America's #1 Scrub brand*, this award-winning Apricot Scrub deep cleans, instantly leaving skin smooth and glowing.
- Oil Free
- Non-Irritating
- Dermatologist Tested
- 100% Natural Exfoliants
- 100% Natural Extracts
- Formulated without Parabens and Phthalates
- Made without animal ingredients
- Not tested on animals
how to use
Moisten face with water. Dispense product onto fingertips and massage over face. Rinse with water. Avoid direct contact with eyes. In case of contact with eyes, flush thoroughly with water. For best results use 3 to 4 times per week.
*IRI F/D/M all outlet unit sales 52 wks ended 11/23/08.
Wednesday, August 26, 2009
Swagbucks Just Provided Us With FREE Birthday Presents!
I have been using this awesome search engine called Swagbucks for a few months now.... Before summer started I was able to use some of the Amazon.com gift cards I had gotten by redeeming the Swagbucks I earned to buy the kids these things called Bakugans. Something along the lines of Yu-Gi-Oh, or Pokemon, a trading card game with a cartoon and toys, etc. I never really did get the whole gist of it, but the kids really got into the whole thing... for about a week.
I am still randomly stepping on those damn Bakugan balls in the middle of the night!
BUT, back to the whole point of my story, this Site is AWESOME. I have set them as the default search engine in my browser, and also as my homepage, so when I want to visit a new site, I just type the name of the site into the search bar and go. Find the site in the search results and occasionally get myself some swag bucks in the process. After you have earned enough Swagbucks you can go to the Swag Store and redeem them for all kinds of cool things like gift cards or even actual items from all kinds of different categories. It's great stuff!
I usually redeem my swagbucks for Amazon.com gift cards and then use them to buy things we need or just plain want, that aren't in the regular household budget. We haven't needed anything lately so my gift cards have just been stacking up waiting to be used.
Things are tight lately and we have birthdays coming up over the next few months, as well as Christmas, so I just thought "Hey, why not use my Gift Cards and Swagbucks to get some gifts!" I was able to fill in the gaps to cover all the birthdays we have coming up that we hadn't purchased for yet, and at the rate things are going, I should be able to cover a good number of Christmas gifts using my Swagbucks and gift cards as well!
I am still randomly stepping on those damn Bakugan balls in the middle of the night!
BUT, back to the whole point of my story, this Site is AWESOME. I have set them as the default search engine in my browser, and also as my homepage, so when I want to visit a new site, I just type the name of the site into the search bar and go. Find the site in the search results and occasionally get myself some swag bucks in the process. After you have earned enough Swagbucks you can go to the Swag Store and redeem them for all kinds of cool things like gift cards or even actual items from all kinds of different categories. It's great stuff!
I usually redeem my swagbucks for Amazon.com gift cards and then use them to buy things we need or just plain want, that aren't in the regular household budget. We haven't needed anything lately so my gift cards have just been stacking up waiting to be used.
Things are tight lately and we have birthdays coming up over the next few months, as well as Christmas, so I just thought "Hey, why not use my Gift Cards and Swagbucks to get some gifts!" I was able to fill in the gaps to cover all the birthdays we have coming up that we hadn't purchased for yet, and at the rate things are going, I should be able to cover a good number of Christmas gifts using my Swagbucks and gift cards as well!
Thursday, August 6, 2009
Creating a Budget
This has been a LONG ongoing process for our family over the past few years, Originally we did just fine just paying bills whenever they came in and spending money on things we needed, when we needed it. We had that inflated sense of "we may not be rich but we can afford to live fairly comfortably".
Then, about 2 years ago, some things happened. I won't go into details what, but the husband was out of work for about a month. He was able to use his Vacation time to cover the loss of paychecks during that month, but vacation time doesn't take into consideration the amount of overtime he was receiving for all the hours he was usually working, so we started getting behind on bills, our regular bills as well as a few temporary extras we had incurred.
I took over paying the bills because although the husband always paid them, he rarely paid them on time, so there were overdue fees that began to stack up, not to mention not paying close attention to how much money was in the bank, plus some other details, causing overdraft fees (it took us about a year before we realized that at Key Bank, they don't process transactions in the order they happen... They take the ENTIRE days worth of Deductions, calculate those against your beginning balance, appoint any overdraft fees, and THEN they credit you any deposits... So even if you know you have say $5 and want to make a $10 purchase, and transfer the money from another account BEFORE making the purchase, you're still gonna get an overdraft fee for that purchase because the BEGINNING balance was still less than that deduction....) Oh how much money we lost because of them...
Anyway the budget I came up with worked out well for awhile, but then for a number of different reasons it stopped working for us, and we have been struggling for more than a year to try and figure something out that would.
Recently my mother suggested Sending out Weekly payments for the bills, she said that's what she's been doing and it seems a LOT more manageable and makes those LARGE numbers seem SO much smaller...
It has taken me some time to be able to get this started, but you know, I'm getting tired of getting those disconnect notices because I have a bit of an overdue balance and then am late sending the most recent payment out... So I got to work on it, I figure there are SOME bills I cant SEND weekly, like the Mortgage and the Kirby (yes, we have one of those SUPER expensive and really awesome, totally worth the $1200 vacuums LOL), and then there's the car insurance and the Netflix. All of those except for the Mortgage are automatically deducted from our account.
I figured out that for the month, our Bills come to approximately $1,329.69 (all of those are rounded up except the mortgage which is exactly $475 and Netflix is $14.69). Which divided by 4 weeks, is $332.42, which is a bit less than the husbands weekly paycheck... TOTALLY doable... I have a bit of income myself that we can use for Groceries and Gas, so this could work!
I created a list in my notebook that has all of our monthly bills, how much they are each month (all estimated and rounded up to make things easier and to help us get ahead), and made a column for how much they each will cost each week. Then I started out by scheduling 2 bills, one is for just $5 a week and the other is for $100 a week (the $100 is temporary as we have a past due balance, and I will be readjusting the amount to between $25 and $50 in a few months). After I scheduled those 2 weekly payments, I figured out which bills are already deducted from our bank account automatically, such as the Kirby and Car Insurance and Netflix. I ran the figures again and scheduled another small weekly payment ($10 a week) and now I am waiting to see how things go. We have a disconnect notice on one bill that I haven't scheduled yet, I have another week before the disconnection and after the husbands paycheck goes into the bank today and the scheduled payments go out tomorrow I will figure what we have available, make the necessary payment to get rid of the threat of disconnection, and then schedule the weekly payments of $25 to begin next week. Then there are just 2 more payments that need to be scheduled, Mortgage and Credit Card, and I will be waiting to make sure that everything goes smoothly with the already scheduled payments before I schedule those.
IF this works out the way I think it should, this will give us approximately $450 a month for Groceries and Gas, sometimes more, which is completely reasonable using coupons and Gas Rewards from Shaw's!
Then, about 2 years ago, some things happened. I won't go into details what, but the husband was out of work for about a month. He was able to use his Vacation time to cover the loss of paychecks during that month, but vacation time doesn't take into consideration the amount of overtime he was receiving for all the hours he was usually working, so we started getting behind on bills, our regular bills as well as a few temporary extras we had incurred.
I took over paying the bills because although the husband always paid them, he rarely paid them on time, so there were overdue fees that began to stack up, not to mention not paying close attention to how much money was in the bank, plus some other details, causing overdraft fees (it took us about a year before we realized that at Key Bank, they don't process transactions in the order they happen... They take the ENTIRE days worth of Deductions, calculate those against your beginning balance, appoint any overdraft fees, and THEN they credit you any deposits... So even if you know you have say $5 and want to make a $10 purchase, and transfer the money from another account BEFORE making the purchase, you're still gonna get an overdraft fee for that purchase because the BEGINNING balance was still less than that deduction....) Oh how much money we lost because of them...
Anyway the budget I came up with worked out well for awhile, but then for a number of different reasons it stopped working for us, and we have been struggling for more than a year to try and figure something out that would.
Recently my mother suggested Sending out Weekly payments for the bills, she said that's what she's been doing and it seems a LOT more manageable and makes those LARGE numbers seem SO much smaller...
It has taken me some time to be able to get this started, but you know, I'm getting tired of getting those disconnect notices because I have a bit of an overdue balance and then am late sending the most recent payment out... So I got to work on it, I figure there are SOME bills I cant SEND weekly, like the Mortgage and the Kirby (yes, we have one of those SUPER expensive and really awesome, totally worth the $1200 vacuums LOL), and then there's the car insurance and the Netflix. All of those except for the Mortgage are automatically deducted from our account.
I figured out that for the month, our Bills come to approximately $1,329.69 (all of those are rounded up except the mortgage which is exactly $475 and Netflix is $14.69). Which divided by 4 weeks, is $332.42, which is a bit less than the husbands weekly paycheck... TOTALLY doable... I have a bit of income myself that we can use for Groceries and Gas, so this could work!
I created a list in my notebook that has all of our monthly bills, how much they are each month (all estimated and rounded up to make things easier and to help us get ahead), and made a column for how much they each will cost each week. Then I started out by scheduling 2 bills, one is for just $5 a week and the other is for $100 a week (the $100 is temporary as we have a past due balance, and I will be readjusting the amount to between $25 and $50 in a few months). After I scheduled those 2 weekly payments, I figured out which bills are already deducted from our bank account automatically, such as the Kirby and Car Insurance and Netflix. I ran the figures again and scheduled another small weekly payment ($10 a week) and now I am waiting to see how things go. We have a disconnect notice on one bill that I haven't scheduled yet, I have another week before the disconnection and after the husbands paycheck goes into the bank today and the scheduled payments go out tomorrow I will figure what we have available, make the necessary payment to get rid of the threat of disconnection, and then schedule the weekly payments of $25 to begin next week. Then there are just 2 more payments that need to be scheduled, Mortgage and Credit Card, and I will be waiting to make sure that everything goes smoothly with the already scheduled payments before I schedule those.
IF this works out the way I think it should, this will give us approximately $450 a month for Groceries and Gas, sometimes more, which is completely reasonable using coupons and Gas Rewards from Shaw's!
Subscribe to:
Posts (Atom)