Bargains, Bargains Everywhere!!

As the time approaches to go back to school, a funny thing happens ~ my bank account gets awfully small as the list of things I need to buy gets bigger! Added to this phenomena this year, I am setting up a classroom at my new school.  Although I have purchased a LOT of things over the years, much of what I had at my old school was purchased by the district and, therefore, stayed behind.

So this year I am working on the "cheap teacher on a budget" idea during my shopping.  Two particular stores are definitely my friend lately.

First off is Staples.  I have known in the past that Staples did 1 cent sales but never really paid much attention to it.  Last week a friend told me that teachers aren't limited to 2 items, they can get up to 25, provided you spend a minimum of $5 on other things.  Well sign me up!!!

This is a picture of last week's deals.  I had trouble finding everything in stock so I ended up getting:

• 19 bottles of glue
• 8 pkgs of pencil top erasers
• 2 pkgs of Post-It flags
• 1 hole punch
• 2 packages of 5-count Sharpies
• A cube with 300 sticky notes

My total price was $6.34!!

Here are today's buys.  I got there just a few minutes after the store opened so everything was in stock.  I bought:

• 25 pkgs of index cards
• 25 pkgs of Sharpie highlighters
• 25 pkgs of 8-count pencils
• 2 notebooks, with plastic covers (in really great colors!)
• 2 pkgs of Pen-tel pens
• 1 pkg of mechanical pencils
• 2 pkgs of Avery tabbed dividers

My total price was $6.31.  I figured out the regular price of everything and the total, with tax, would have been $113.30.  I saved $106.99!!!!

And the best part about today's trip to Staples was the awesome manager, Kris G., who helped me find what I needed and was so sweet and glad to be helping out teachers. 

My other favorite store is ROSS Dress For Less, usually for clothes and shoes, but this week I have scored some activities for my class.  Like I said, many of my things had to stay behind so I was looking to add to my collection of games/activities.  Yesterday I found these at ROSS:

I got 5 games for $4.99 each and normally they are between $12 and $20.  I also got a math dry-erase activity for $6.99, regular priced $9.95 and a floor puzzle for $5.99. 

I've also been stocking up on things to decorate my room, as well as functional items, but I'll leave that for another day . . .

Twitter

Once again, I have to admit that I am a pitiful blogger.  But here's to a new beginning!  :-)

We have started a new series at Palm Valley Church, called "twitter: short verses that make a big impact".  I'll admit that I am a twitter watcher but didn't really post.  Well, everyone was encouraged to set up an account this week.  It was awesome to see so many people tweeting this week. 

I know that God is going to be doing great things during this series.  I have been struggling a lot lately:  feeling lonely and discouraged, knowing that I need to make some serious life changes, and just a general feeling of a lack of purpose in my life.  I know, a lot of it was just a big pity ol' pity party!  Today's message was on encouraging others ~ my new goal is to be someone's Barnabus every day of the week that ends with "day".  Amazing how quickly your mindset can change ~ encouraging others makes me think less about me and more about them.  Through twitter I am also learning more about some of the people who attend PVC with me and I am hoping that it will lead to wonderful new relationships.

Can't wait to see what next weekend brings.  And I'm going to raise my hand WAY UP HIGH when they ask who memorized the verse ~ I want a Starbucks card! :-)

If you don't have a church you attend, check out Palm Valley.  I know you'll be blessed. 

This One's For You, Crystal!!

So, it's been a loooong time since I posted, as I was gently reminded last night.  :-)

This Friday will be my last day at Liberty.  I can't believe this year is practically over, as well as my time at this school.  I am really struggling with mixed emotions this week.  On the one hand, I am very excited about my new adventures and being able to get back to what I love to do ~ teach.  On the other hand, I am getting really emotional about all of my "lasts" ~ my last Egg Toss had me in tears.  I will miss being able to see all of "my" kids grow up and graduate 8th grade.  There are so many changes happening at Liberty right now and I wish them only the best.

On to the most exciting news ~ ~ ~ we booked a cruise for the week of Thanksgiving.  At Odyssey we have that entire week off and since J & K also attend there, it is the perfect time for a vacation.  We will be doing the Eastern Caribbean itinerary this time around -- The Bahamas, St. Thomas, Puerto Rico, and Grand Turk.  I'm using this as motivation to stick with the diet and exercise program.  I wanna be a hot mamacita on this cruise!

The First Day of My 40th Year :-(

Oh, I hate to even type that!  I turned 39 yesterday and this was one of my favorite birthdays.  I went out with a bunch of girls last Friday to PF Chang's and The SHOUT House ~ even got up on the piano.  Then yesterday my kids were sooo excited for my birthday.  One little boy brought me a bag of cheese balls and a rose (which he has been saying he was going to bring me for my birthday).  They even made me turn in circles 39 times after they sang to me.  I may or may not have turned slightly slower than they counted but I was dizzy nonetheless.  Then last night I got the present I really wanted:  a full-length mirror!!!  (I know that's not what you were thinking, but I maybe I got that too ;-)  I am so tired of having to climb up on the bathtub to see what  my outfit looks like.  I get absolutely giddy when I look at the mirror hung on my wall -- I'm such a dork!

I think I am done with HcG.  I don't think I'll ever be happy with my body but I feel like I'm at a good place for me now.  So now begins the whole struggle with maintaining while still living a normal life.  My motivation to keep off the pounds is the fact that I got rid of all my big-girl clothes and refuse to go buy any more.  I am beyond happy to be in mediums and 10's ~ that has been my goal all along! :-)

OK, now for the BIG news:  Last Wednesday I turned in my resignation at Liberty, which is the only place I've ever taught.  I am finishing up my eleventh year there and never, in a million years, would have thought I wouldn't just stay there.  But, long story short, the district is headed in a direction that is not where I want to be.  I have totally lost my joy these past couple of years and that's not fair to my class.  So, as of August 1, I will be teaching at a charter school that is less than a mile from my house.  I am so excited!!  They are very pro-teacher and I will be able to actually teach, if you can imagine that!  Although I am heartsick at the thought that I won't be able to see "my kids" grow up and graduate 8th grade, I am beyond excited to begin this new adventure!

12 more days!!!

In just 12 more days I can once again eat dairy, eggs, and a wider variety of meats, fruits and veggies!!!  I am so excited to have a cobb salad and some cottage cheese!!!  When I began on this journey back in June, I was dreaming of the day I could have Chipotle and brownies again ~ I think that my new cravings are a change for the better. :-)
As of this morning, I am down 77 pounds and am thrilled.  I saw a picture of myself the other day, where I was in the background and my head wasn't in the picture.  If I hadn't known that those were my clothes, I would not have known it was me ~ I still do not picture myself thinner.  But pictures don't lie, I am much thinner and that makes me smile! :-)
I *think* this is my last time doing the HcG.  Although the charts say I am still overweight I think I have about hit what is a "good" weight for myself.  Now my new goal is going to be to maintain my loss and lead a healthy lifestyle.  I can do it!

Four Days in and Frustrated!

Well, I've stuck to my plan so far but I am frustrated.  I just paid my Discover card bill and got the new statement today.  Every month is goes up about $10! I know it's because I just pay the minimum and that probably doesn't even cover the interest.  I truly feel like I will never get ahead.

Oh well, what are you gonna do?  I got myself in this mess, now I need to work on getting out of it.  My Dave Ramsey book is in at the library so I'll be reading that this weekend.  Hopefully it will encourage me and not discourage me further.

Here's hoping that my next post is more positive!

Deb is in Debt!

My church, Palm Valley Church, is currently doing a series called "I've Got Issues". I think that this may be my most favorite series they've done. I can relate to so much of it and it makes me feel less alone. So far, we've covered: "I've Messed Up", "I'm Stressed Out", and "I'm In Debt". Yesterday's message on Debt and how to climb out from under it was powerful!
I am in more debt that I even imagined! OK, I guess I knew, in theory, but seeing the numbers written down was so depressing.
However, I am going to do something about it.
Since I am well on my way to conquering my weight and health issues, I am now going to tackle the debt. And you, my lucky blog readers, can come along for the journey! :-) I figure the accountability worked with the diet, so it will work with the debt, too! [Sidenote: I smile everytime I type "debt" because it is my name with a "t" at the end. Don't know why I find that funny!]
I decided yesterday that I will follow the steps that were outlined for us.

• Track Everything You Spend: I got a notebook and starting yesterday I am writing down every penny I spend, including the money I spent on the notebook. :-) Not only will this help me see where my money is going, but I think it will also help me not to buy People magazine almost every week. It works on the same principle, for me, as a diet journal ~ I don't want to write down a "cheat" so I don't eat it!
• Establish An "Oh-No" Fund: This should be a fund of at least $500-1,000 that you set aside for any emergencies that come up. One suggestion was to have a yard sale or sell unwanted/un-necessary items in your house. With the exception of a couple of old TV's and a few items of clothing, I don't think I have enough stuff to even make it worthwhile to have a yard sale. So, I will need to come up with an alternative way to establish my fund. This morning, while I was paying bills, I did transfer $100 into my fund, which made me feel like I'm on my way.
• Eliminate Expenses: As of right now, I don't feel like I spend foolishly, but I know that I will find stuff to eliminate as I start tracking my spending. I think my first step in this area will be to contact Qwest and DirectTV to see if I can cut back my bill in any way. I know that many people say that Satellite TV is a luxury, and a part of my definitely agrees, but I don't think I can completely cut it out yet. It is a large part of my entertainment ~ you know, all those shows I DVR and then delete when the DVR is full. And I believe I need to keep my landline for my security system which I REFUSE to give up. I am a big chicken and my security system is what makes me able to sleep well at night.
• Expect God To Help: I know it sounds bad, but this is a hard one for me. I have committed to tithing regularly, which I got a good start on over the past few months. It is just such a leap of faith. So, I am working on trusting that God cares about me and my finances.

My church is offering a Financial Peace University but I am not sure that I am going to sign up at this time. I had already requested Dave Ramsey's book from the library and have looked up several online sites/stories about people getting out of debt.

Here is my plan-of-action, which I will update on a regular basis:

1. Establish my emergency fund: I started this one today, 1/17/11, with $100

2. Track everything I spend: Started this on 1/16/11 and will maintain it for one full month and then go from there with seeing what can be cut.

3. Eliminate expenses: I will contact Qwest and DirectTV to see if I can lower either of those bills.

4. Establish a budget: I will use my spending journal as a starting point for the budget, so that I can see realistically where my money is going and needs to go.

5. Pay down debt: I am going to use the "snowball effect". Today I wrote down all of the outstanding debt I have: Visa, Discover, Car Loan, Student Loan, and Mortgage. My first goal is to pay off my Visa card ~ to do this I will throw any extra money I have each month at this balance.

6. Use the Cash Envelope system: After I have established my budget, I am going to convert to a cash-only system for my monthly expenses. I will still pay my bills online but items like groceries, household goods, entertainment, clothing, etc. will be budgeted and paid for in cash. I am still reading up on this area and how best to implement it.

So, there you go. A REALLY long post, mainly for my own benefit, of how I am going to get out of this hole I've dug for myself. It's really discouraging right now, but I am hoping that as I work on it, I will begin to see a light at the end of the tunnel.