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Day 5 No Non-Essential Spend Month

January 5th, 2016 at 06:31 am

Things are looking good in that department so far. I'm sure it helps that I haven't left the house in a few days. haha. Today I will be getting out a bit - and doing some spending (obviously not on non-essentials). I have to hit the post office to get a few things out that I've been procrastinating on. It's just been so hard to motivate myself to go anywhere now that it's actually cold. haha. I also spent yesterday catching up on some editing, and that is a big priority right now.

I also need to head to the grocery store for a few key items - toilet paper and tissues, mainly. Still sick. *Really* hoping it will let up soon. It's been over a week now. When I get ill, it's difficult for me to shake. Never horribly severe, usually, just lengthy.

***

A couple of frustrating/weird things happened in the last couple of days. I had a rather unpleasant experience selling my camera on Amazon - long story short, the buyer didn't have any familiarity with my old-model camera, expected it to perform like a new one, and requested a return saying that it was damaged and/or not in the condition listed (which is not true). All of my previous selling on Amazon has gone smoothly, so I didn't have much familiarity with their returns policies. So I sent several messages back and forth after she filed an "A-to-Z Guarantee Claim." I didn't realize, while I was conversing with her about it, that I had to appeal the claim. So instead of getting the partial refund we agreed to (to cover my shipping), she received the full amount (Amazon automatically transferred the money) AND I have this nasty performance ding on my account for selling "damaged or dysfunctional equipment" (which it's not - I tested the camera after she returned it to me).

Ugh. Out $20 in shipping and still have to get rid of this stupid camera. I know there are people out there that love selling things online, but I have no patience for it. Hoping someone on Craigslist will pull through for me. May just drop the price substantially so I can be done with it.

In other news, we got our reimbursement checks from State Farm - opened new policies, and our good driving discounts don't get added until after it goes through underwriting, I guess? But then a couple days later we got an invoice. After calling our friend/insurance agent, turns out they overpaid our reimbursement and then invoiced us for the difference? lol. Good to know the method behind the madness, but it seems like a really inefficient way of doing business for them.

Either way, I'm saving about $170 this year with the switch, just for my car. I forgot to ask DH what he was paying before. Also - I'm starting to log our savings/snowflakes, partially because I'm a numbers junkie and partially because I like to have stuff to show DH when we talk finances. Maybe it will inspire him Smile

***

Also made a decision on the CC conundrum, I think. I found another card that is 0% APR for 15 months, with no balance transfer fee OR annual fee. I'm going to transfer the balance from one CC there, close the one that I don't want/use, and then see how it affects my credit score. Then I'll make a decision on the remaining CC. I'll either close it, or just leave it in a drawer for an emergency (that's what I do with the one that I don't want/need now).

That's enough for now! Lots to do today. Hope you all have a good one!

4 Responses to “Day 5 No Non-Essential Spend Month”

  1. creditcardfree Says:

    Glad you found a zero annual fee and zero balance transfer card! Chase Slate has one...maybe that is what you found. Good luck out there in the stores...only buy needs!! Smile

  2. pjmama Says:

    @Creditcardfree: That's the exact one I was thinking Smile Do you have any experience with it?

  3. FrugalTexan75 Says:

    That is so frustrating about the camera / Amazon fiasco. Hope you can sell it soon!

  4. creditcardfree Says:

    I have not had the Slate card. I've had plenty of other Chase cards...all very good!

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