Ready to cut that Cable bill?

Roku is an awesome device so that you can watch Netflix on your TV. You can even watch it on your old tube tv too. These devices range from $50-$100. We use it for Netflix and pay $8.50 a month. We get tons of programming and it doesn't cost $60/mth. We can even use Playon (a channel you install on your Roku) to stream ESPN3 (watch live ESPN games) to watch sporting events on our tv instead of our computer. 

Amazon on Demand is also available where you can watch movies or tv programs you have purchased too. We have purchased a few tv programs and movies and they are stored on your account to watch at any time. They also have a yearly subscription where you can get more programming.

Anyone else have a Roku? What do you like?

Don’t just look at your monthly house payment – you might be losing $37000!

Did you get a 30 yr loan? Consider a 15 yr instead!!

 

Original Loan - $90,500 - 30 yr with 5.25% interest rate in 2004

Balance left on loan in 2013 (21 years left) - $75,786.91

Mortgage Payment $499.74 (does not include Insurance and taxes)
Around $110 of your payment is going toward the house.

$49,787 left in interest

Pay off in 2034

 

Refinance $75,786.91 (balance of loan) - 15 year at 2.8% interest rate in 2013

New Payment of $516.11
Now around $350 of your payment is actually paying down the loan.

Interest with new loan $17,113

Pay off in 2028

Overall you pay your house off 6 years earlier and save $37,152
(I think you can find something to do with this savings!!!!)

Things to Remember:

There are closing costs associated with refinancing – 2%-3% of loan
(Be sure you stay long enough to recoup the costs.)

You might can drop your PMI (if that is around $50/mth)
If you take this and put in an extra $50 toward your principal you can then pay your mortgage off in 13.5 yrs.

Got more questions, ask me. I would love to help!

Tortellini

This meal is awesome - http://littlefellows.blogspot.com/2011/11/best-crockpot-meal-ive-tried-yet.html (I use Italian Sausage which gives it great flavor!!!)

Even Emily eats it!!!

Here is what it cost to make:

Ingredients:
1 (19oz) bag of frozen cheese tortellini -  $3 Publix (Aldi has it sometimes)
1 small bag of fresh spinach (9 oz Aldi – Spinach – $.50 for half a package)
2 (14.5 oz) cans of Italian style diced tomatoes, drained – Aldi – .$1 (then I just add basil, oregano, garlic)
1 block (8 oz) of cream cheese or neufchatel (less fat) Aldi – $1
1 lb. of Italian sausage – Ingles - $1.55
4 cups of chicken broth $.55
Brown the sausage and put all ingredients in crockpot,
chunking up the cream cheese.
Cook on low for 4-6 hrs.
Serves 4-6

Total -  $7.60

$10 Gift Card when you spend $50 at Target

If you’re planning to do some Christmas shopping at Target in the next few days, you’ll want to print this coupon to get a $10 gift card when you spend $50 at Target.

They have a good price for Starbucks coffee if you have the coupon from Sunday's paper. Also good prices on paper towels and toilet paper too.

Deals at Target this week here via MoneySavingMom

$2 Meatball and Cold Cut Trio Subs at Subway

If you haven't heard this is a great time to meet a friend for lunch at Subway. The Meatball and Cold Cut trio sandwiches are $2 per sub.

This is for the whole month of December!!!

Black Friday Deals - See the ads now!!!

Here is the site - http://blackfriday.gottadeal.com/ 

Check out the scanned ads already to find that special Christmas gift or a gift for yourself :)

BOGO Starbucks

Buy One, Get One Free Holiday Drinks are back again -- November 15-18, 2012 from 2-5!