Sunday, December 30, 2012

Long time No Post!!! 2012 has been busy!

Sorry for Long time No Posting!

I am not a New Year's Resolution kind of gal; however, I believe I will make one right now and hope the next time I get on here to update my post...this is not the most recent. :-)
Figured it out?  Yep! Simply to POST more on this blog.  I do love my blog but seriously...time has not presented itself lately for my blogging.

Busy with Kids getting older and trying to have my jewelry in three locations has been a challenge for sure.  I feel I am starting to balance back out and will be smarter about my time with everything pretty soon.  Do stay tuned and check in once in a while to see if I have got my blogging act back together.

In the event my blogging is still lagging...Happy New Year 2013!  :-)


Wednesday, May 16, 2012

Relay for Life 2012

Hi All!

I am joining Relay for Life and The American Cancer Society again this year.  I am fundraising for the event representing my school at the Relay.

I have lost a father-in-law and grandmother to cancer.  I am happy with this organization and for what they do for people living with this terrible disease and seeking a cure.  When you give, you are helping to supply people with cancer "More Birthdays!" 

Please give if you is the link to my page:

Sunday, May 13, 2012

Happy Mother's Day! 2012

Happy Mom's Day to all the Moms and Moms-to-be out there!

I hope you all have had a terrific day!

My hubby and kids gave me two gift for Kohl's and one for Michael's!  Both are terrific.  With the Kohl's card...I found my son some new sneakers and I still have $10 left for myself later on.  I will probably purchase a new pair of yoga pants for the gym.  With the Michael's card (I haven't spent just yet) but will probably try to purchase a bookcase (raw wood one..small) if they have it.  If know it is going to be jewelry supplies for supplies for my art room!  I am happy with what I have purchased and what I plan to purchase with the gift cards. I do not intend to waste a dime of it.

We also enjoyed church this morning.  The message was about what a "Real Woman" is...I hope they have this in an was a very good message and much of it would surprise you and not so predictable.  It was excellent.  My church's website, should you be interested in attending online, is: !  The live feed for Saturday Nights and Sunday Mornings is:   If you can find today's message in is well worth watching.  They all are..but I really enjoyed today's!

As far as a financial update...we are doing fine...still battling that credit card I keep bringing up but it is looking better and better all the time.  Even though we paid a lot on it two months in a row and it says $0 due...we still pay the old requested amount to stay ahead so in future months should there be one that is difficult...we can skip a payment then or simply pay it off quicker!
Have a great week and Month of May!
I am a teacher and this month in the world of Schools is action packed with testing, ending classes, closing down classrooms, etc... It may be June before I can give another update!
Thank you for being a loyal Thrifty and Creative Reader!

Sunday, April 22, 2012

Kids are getting older! Side effect: saving money!

I have only two boy... 6 1/2 years old and one girl...2 years old. 

My oldest seems to not care for normal toys anymore...just the typical electronics and playing ball outside.  This definitely (for us) cuts down on cost.  Also, the only way our son gets a new game, doing well in school or in his sport...Soccer! 

My youngest (daughter)...she is happy with any toy and pretty much we never buy her clothes or toys.  Family have been great about giving her toys and clothing randomly.  She doesn't need anymore than what she has.  She is also starting to potty train and using less diapers and moving into the pull-ups where less changes are necessary.  These are all normal getting older savings.
Also, with daughter getting older...less doctor visits, etc...Thank God for that one!

None of these are a surprise to anyone but it sure is helping out our financial problems of the past couple years.  Definitely an assistance. Also,  I am excited to report...we will be loving the month of April for a long time to come.  I just got my first ever Longevity Check (10 years of service is the first time you receive this at my work).  It wasn't huge but it was something and offset my husband's MRI and my Dermatology visit.  We appreciate it greatly. Also, my husband gets his raise each year in April!  Even if not is something!  We are very appreciative and frugal peoples.  We are going to target the large credit card that was developed due to a death in the family and having to replace an engine in the same year. We don't complain about this, we are greatful we were able to do what we had to do anyway we could.

Happy Sunday! 
"This is the day which the LORD hath made; we will rejoice and be glad in it."
Passage Psalm 118:24

Happy Earth Day as well!
Reduce, Reuse, Recycle!

Saturday, March 24, 2012

Long time...No post! Back to Lowe's Promo time!

Hi All!
So sorry for the lack of updates/posts.  I tend to spend more time on Twitter, Facebook and Etsy anymore.  But even those I am just not on as much. I suppose it is due to having a 2 year old, 6 year  old and all the events, activities, and such that go along with those ages.

It is that time of year again...Lowe's Promo 12 Months No interest!  We take advantage of this each year around this time.  (Right after taxes.)  We pay of our balance from the previous year and make new purchases to be paid over time and off at next year's tax time.  It is nice...we get to improve our home and no interest.  Makes our home feel "fresh" again each Spring!  This is at least the 3rd or 4th year we have done this and we have been wonderfully disciplined in paying off the balance at tax time.  If you are not a disciplined individual...these promos could be a trap for you.  Examine yourself and be realistic if it is for you.

This year we will buy landscaping improvement products.  Nothing exciting...trying to keep the trees alive.  Also, will purchase a fridge filter, giant trash bags (since we take our own trash...very much a money saver and we haven't looked back).  We have decided what else exactly yet, I will update on our final list and what we get.  I love this time of year! :-)

Take Care and have a Happy Easter! (it's around the corner!)


Wednesday, January 4, 2012

New Year's Goals for 2012

My apologies for ringing in the new year here at Thrifty and Creative a few days late.  :-)

I haven't forgot you, Thrifty and Creative...just busy with lots of other online stuff.

I am not a huge fan of "resolutions." It looks as it is the cool thing Not to be a fan.  LOL  I do; however, believe in "goals."  One has to better themselves by trying to achieve something greater than the ordinary, everyday.  For me (us) and (our) New Year's "Goal" is to pay down that same massive credit card I have blogged about before.  I suppose it is official...we have been working on that particular card for over a year now.  The point?  We aren't giving up but continuing to plan to get it paid down and eventually off.  This year...saying we get back a tax return (hopeful)...90% of it will be dedicated to that card.  From my won't pay it off, but it will bring down the monthly payment enough to be able to pay MORE than the monthly and "snowflake" it down.  The other 10% (again saying we get a return) will go to savings and to pay off our usual Lowe's Home Improvement card (it will be less than $400 at tax time).  We always make at least one or two home improvements (small or large...depends on our current financial situation) with the Lowe's Card at Tax Time and take advantage of the 12 or 18 months, no interest specials.  We always pay off whatever remains each tax season.  I enjoy this tradition as we love to better our home and continually increase its value.  The dream?  LOL One day borrow against our home's equity and buy a second one in a foreign country for retirement.  Crazy?  Perhaps!  We have to have Goals and a Plan to reach them!  This is one of ours. 

Happy New Year!
What are your Goals for 2012?