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Lots of Snowflakes/Snowballs

October 25th, 2015 at 08:20 am

I am piling up some nice bank & credit card rewards to finish out the year:

**No sooner than I mentioned that I need to pay more attention to checking rewards (now that we have direct deposit), we got a $300 cash bonus offer. Woohoo! We will set that up next weekend.

**Dh is getting a $200 bonus for spending $500. It was a direct mail offer for a brand new credit card offering.

**We bought an appliance from Best Buy a couple of months ago and Citi sent me an e-mail about Price Rewind. I guess they monitor the sales prices of the same item online for 60 days and refund you the difference if they find a cheaper price. For most of the 60 days there was a $5 refund showing, but I just checked on Friday and now it's $85. !!

The thing that is extra sweet on this is that we went with Best Buy because it came with free installation. In the end, I don't know that we paid more than $5 than anywhere else (as evidenced by the first month or so of the Price Rewind - we bought on a sale weekend). But in the future, we could make the decision to pay more for free installation and still get a Price Rewind if the product is sold cheaper elsewhere without installation. A strategy to keep in mind...

This $85 is not in the bag. I have to upload my receipt and they have to check that the $85 refund they found is legit/comparable. But I am excited about the potential snowflake.

**Yesterday I received $70 auto insurance refund, for dropping the full coverage on our older vehicle.

**Oh, and the biggest snowball of all...

Dh was hired for 7 months out of the year, per his offer letter. He had to ask a few times to get a Holiday schedule. Once he got that he started asking more questions about the seasonal schedule. I was guessing he probably would not work Thanksgiving week. He had been told there would be no work in December or January. But this was apparently not true. !! So I am glad he asked. It's a bit of a bummer since we thought he would really ease into things more slowly. But since he asked far enough ahead of time I think he is mostly okay with it. It's the summers off that are important to us, and for now they won't give him any specifics but said that they do get the summer off. Oh, and as to winter they are VERY family friendly and flexible. So he gets the holidays off with the kids regardless, and it shouldn't be any problem to get their other winter break off. They were just kind of like they work those months, but he can take whatever time off he needs.

It would be nice if they had been more clear. Dh already moved his dentist appointment and jury duty to December, thinking he'd be free, so he will ask for time off for those things as needed.

It seems he will probably be working 9-10 months out of the year, which is more money than expected. For now it's actually complicating our taxes quite dramatically and is giving me a headache. I will figure it out in January. Will see where dh's head is at and what our incomes will be at that point. & I will have to run the numbers. The reality is far more complex than any cookie cutter advice on the internet. I don't think it would be so complicated if I had a crystal ball. But we have to balance what we want/need now and what we guess the future will look like. I can't even muster up the mental energy to figure it out until I know for sure dh is working next year. & so we figure it all out in January.

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Spending:

**Dh ordered a new cell phone. Is kind of his working splurge I guess, though honestly he'd buy it anyway. I had just told him earlier in the year that it would be easier to wait until December. (Basically, let his parents pay for it, with the Christmas cash they will give us).

Of course he couldn't wait, but since it wasn't to ship until next month I was fine with it. Won't have to pay for it until December.

Anyway, people are saying online that they shipped early. Dh doesn't think it will ship until after Tuesday when our credit card cycle closes, but I am betting money it will ship Tuesday. It's not that it really matters - we have the money - it just messes up my flow!

If he likes the phone then he may give his old phone to my dad. Thank Goodness! He keeps hoarding phones and driving me crazy. I think this is the only way I can get an old phone out of the house. (He's otherwise hoarding them "for the kids some day").

**Speaking of hoarding electronics...

I got a new kindle yesterday. I guess Kindle is one of those things you already have or you don't want. So this is an easy raffle or auction item to win.

We put a $150 bid on a whim, for an ads-free paper white Kindle + $75 Amazon gift cards. The total value of which was basically $200.

We didn't really expect to win, but figured what the heck.

{Dh already won a FREE Kindle Fire this year in a raffle. We noticed no one was putting their tickets to that so we just went "all in" for the Fire, and won. We have never paid any cash for any of our Kindles before; one raffle and credit card rewards otherwise}.

In the end, we did win.

I suppose the plan is to phase out my Nook. My Nook does not have the backlight so this is an upgrade I did want eventually. Dh has been wanting me to switch to Kindle forever. The new Kindle has fixed everything I didn't like about the original, BUT it's still less compatible with our library system. So I like the idea of having the Nook around to easily borrow library books (without dh having to do all this stuff to get it to work) and we will probably keep it a while in case BM ever wants an e-reader. (BM isn't interested so far, and dh already gave LM his old Kindle).

I also have to check the balance on my B&N gift card and should probably use that up. It was a credit card reward I just had on hand for e-books that I couldn't find at the library. I don't remember the last time I used it or what the balance is, so should probably just use it up and be done with it. When I initially got my Nook the library selection wasn't even a small fraction of what it is today; I haven't been buying any e-books in recent years.

Update: I have $25 to spend at B&N. I will try to find something useful to spend it on.

2 Responses to “Lots of Snowflakes/Snowballs”

  1. pjmama Says:

    Congrats on winning! I love my Kindle, though I've got the super simple one without any of the frills. Unfortunately it is not compatible with library books - how useful that must be! If I were you I'd keep the Nook around as well Smile

  2. FrugalTexan75 Says:

    That's fun to win something like that when you're not expecting it. Smile

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