Our Financial Goals: Paying Off Debt (March 2013)

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Today I sat down for a look at our total debt.

Currently we owe:

  • $23,758.77 to Sallie Mae (4.5 Interest Rate)
  • $107,730.38 to Wells Fargo Home Mortgage (4.125 Interest Rate)
  • $131,489.15 Total

If you do the math, we’ve paid off $758.04 in the last 2 months

Little by little we are making progress on our financial goals.

What are your financial goals, and how are you accomplishing them?

Photo Credit

January 28, 2013: Evelyn’s Birth Story

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Evelyn Grace was born one month ago today, on January 28, 2013 at 4:57am, 86 minutes after I was registered at the hospital.  She was 6 days overdue, which makes her the earliest of my three children.  She weighed 8lbs 6oz at birth, her head was 14.5 inches around, and she was 21 inches long.  She was also the smallest of my three children.  And unlike Oliver and Naomi, she gave us plenty of warning that she was coming!

At 5:30am on January 27, I awoke to find our bed and my legs were wet.  Brad was an hour away at a leadership retreat in the mountains, so I debated whether or not to call him at camp.  After 2 hours of regular contractions, I concluded that my water had indeed broken and called the three emergency phone numbers Brad had given me.  I had our family’s pick-up truck with me at home, so our friends drove him back from the retreat.  The four of them pulled up in front of our house at 9:30am, only to hear that my contractions were weakening.  I continued to have mild Braxton-Hicks contractions on-and-off all day, but nothing strong or regular.  My water continued to leak slowly for the rest of the day, and finally we decided to go to bed around Midnight.

I woke with a start at 2:15am on January 28.  The baby was kicking unusually hard in every direction, when I suddenly felt a gush of water!  I yelled, “BRAD!!!” and ran to the toilet as fast as I could.  At that moment I was certain I was going to deliver the baby on the hallway floor!  When I looked back down the hall, I could see the trail of water from my side of the bed to the bathroom.  Brad followed behind me, picking up rugs and mopping the floor with a towel.  I sat there completely perplexed because with my other children, my water had broken at the hospital during delivery.  Yet here I was at home gushing water, with still no contractions and no baby.

After some discussion, Brad and I decided to call the doctor’s office.  The doctor on call told us to go ahead to the hospital.  Brad got dressed and then called our friend Carole to come stay with Naomi & Oliver.  I got dressed, but quickly had to change my clothes when my water broke a second time.  Brad ate a light breakfast and I snacked while we were waiting for Carole.  I began having contractions shortly after my water broke.  I would let Brad know when I felt each contraction, and he would tell me how far apart they were.  Once Carole arrived, Brad and I showed her around the house and then left for the hospital around 3:15am, about an hour after my water had broken.

My water broke a third time en route to the hospital, drenching a third pair of pants, socks, and my shoes.  The hospital is only 5-10 minutes from our house though, so I wasn’t uncomfortable for long.  We parked directly across the street from the hospital entrance, and Brad gathered our bags.  I waddled across the street, and then stood dripping in front of the security guard at the front desk.  He gave us name tag stickers, and asked if we knew where we were going.  We’d taken the hospital tour a few weeks earlier, so he buzzed us into the building as I apologized for leaving a puddle next to his desk.

The hospital was a ghost-town, and we felt like the only people in the building.  Brad and I stepped into the first elevator we saw, waited for the doors to close, and then punched the button for the second floor.  Nothing happened.  I told Brad dryly, “We’re going to have this baby in the elevator.”  We punched the button a few more times without any response.  Then we re-opened the elevator doors and walked back to the security guard.  He informed us we’d been in the service elevator, and that there was a second elevator further down the hallway.  We walked back down the hall a second time, and located the second elevator.

When we reached the second floor, we walked around until we found the nurses’ station.  A number of nurses were there, so we addressed the group of them with, “Umm…Hi.  We’re here to have a baby.”  They asked us for some personal information and the name of my doctor, and then ushered us into a nearby room.  Brad noted that the clock on the wall read 3:31am.  There was some confusion at first since my doctor left her practice abruptly in early December, and I had switched to a midwife named Lori at the recommendation of a friend.  I have loved having Lori as my midwife, so I was relieved when they were able to reach her and let her know I was in labor.

For most of the 86 minutes, we felt like things were moving pretty slowly.  Naomi was born 43 minutes after we arrived at the hospital, and Oliver was born 52 minutes after we arrived at the hospital, so Evelyn seemed to be taking her time.  The nurses introduced themselves, I changed my clothes, they hooked me up to an IV, they monitored my contractions, and Lori arrived.  Lori asked if I wanted a snack or a drink, invited me to move around or use the restroom if I wished, and offered to remove any excess monitoring devices.  I was so glad to have Brad and Lori there with me.  Lori told me I could lay on my side if I wanted, so I rolled to my left side facing Brad.  With each contraction I squeezed Brad’s hand with my left hand.  Between contractions Brad and I talked and laughed.  I asked Brad how he knew when my contractions were increasing or decreasing in intensity, and he showed me the steady line of spikes on the monitor.

Suddenly I felt what we later dubbed, “the contraction that never ended.”  This last strong contraction grew more and more intense as I began pushing, knowing the baby was coming.  Brad told me I brought my right hand around to my left and squeezed his hands with all my might.  He realized that he was alone in the room with me and immediately began looking for a “call button.”  He didn’t need to worry though, because I was shouting, “Somebody get in here!”  Lori and the nurses came running back into the room, announcing what I already knew, “The baby is crowning!”  Everyone worked together to roll me to my back and slide me down to the end of the bed.  In the midst of the craziness, Lori said firmly, “Jessica, open your eyes and look at me.”  Everything stopped for a moment, and I looked right at her.  “Now, push.”  I took a deep breath and pushed one last time as hard as I could.

Evelyn Grace was born at 4:57am, almost 23 ½ hours after my water started breaking.  Her head came out first, and a moment later her shoulders and the rest of her body slid out.  Lori wrapped Evelyn up in a towel and handed her to me.  Brad and I admired our beautiful (albeit slimy) little girl with her headful of light brown hair.  He was delighted when Lori asked him if he would like to cut the umbilical cord.  Although Evelyn is our third child, it was his first time cutting the cord. Then the nurses whisked Evelyn away for washing and weighing.  I too was delighted because this was my first delivery without an episiotomy.  Although I did tear along my episiotomy scar, I only needed a couple stitches this time, and recovered even faster than I did with my last two deliveries.

After Lori was done sewing and cleaning me up, the nurses handed Evelyn back to me for nursing.  She had no problem latching on, and nursed for most of the next hour.  When it was time for Evelyn to go to the nursery, Brad followed her and watched through the windows.  He returned from watching her, chuckling to himself.  I asked why he was laughing, and he said that Evelyn was lying under the heat lamp completely naked, sound asleep!  When the nurse pushed my wheelchair by the nursery window later, we peaked in on Evelyn who was still sun-bathing peacefully.

Evelyn Grace slept most of the time we were at the hospital.  Brad brought the kids by to visit her more than once, and some of our youth ministry friends came to visit.  The nurses were wonderful, and I had a very pleasant hospital stay.  Evelyn slept in the nursery for most of her first night so that I could get caught up on my sleep.  I was discharged at 3:30pm on January 29, 2013, just 36 hours after registering at the hospital.  We drove home for the first time as a family of five, with all three car-seats across the back of our pick-up truck.  It was hard to believe how much our lives had changed in a day and a half!

Freebie Friday! Pampers, Secret, Tide, & Folgers

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My freebies have been piling up again, so here’s another glance at my collection!  I’ve been receiving lots of baby freebies recently, thanks to our newest addition!

  • Magazines: Ski, Thriving Family, Forbes, Entrepreneur, Family Fun, Better Homes & Gardens, Parents
  • Tide Pods
  • Pampers Wipes & Diaper
  • Secret Deoderant & Coupons
  • Dawn Dishwashing Liquid
  • Airborne & Coupons
  • Cream of Wheat
  • Herbal Essences
  • Folgers
  • Dreft Coupon
  • Propel Zero
  • Formula (We don’t use it, but we certainly receive a lot of free formula samples with each baby!)
  • WinCo Coupon

What freebies have you received recently?

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How to Make Money Selling Your Books on Amazon.com

How to Make Money Selling Your Books on Amazon

In the past 6 months I have sold 46 books on Amazon.com, and been paid $554.68.  Part of my earnings on each book is a $3.99 stipend to cover shipping costs.  So if I substract $3.99 for each book sold (though most don’t cost that much to mail), then I have earned (about) $371.14 in the last 6 months, just by selling off our old books That’s an average of $8.07 per book!  A lot of my friends have been asking for tips lately, so here are some of things I have learned along the way:

  • Choose the right books to sell: Non-Fiction Sells.  Only 4 of the 46 books I sold were Fiction.  My Art Classroom Resource books sold well.  Graduate and Undergraduate textbooks sold well.  Christian, Religion, Classics, Marriage, Parenting, and even a Cookbook sold well.  Ironically, New York Times Best-Sellers do not sell well (maybe because everyone has them already?)  If it’s only selling for $0.99 or less, I don’t even waste time listing it–I just donate it to the library the next time I’m there.  Books in “New” condition will sell better than those in lesser conditions.
  • Listing your books on Amazon is WAY easier than listing on Craigslist, eBay, or other similar sites You don’t have to take any photos, spend time trying to assess the value of your items, research all the details about your items and their condition, or pay additional charges if your items don’t sell immediately.  All you need is the ISBN number off the back cover.  Then choose the condition and the price.  Your book will be listed indefinitely, and it comes with a photo already.
  • Amazon takes some of your profit, but reimburses you for shipping:  Amazon keeps $0.99 per book, plus a referral fee and a percentage.  Generally, the more you make, the more they take.  This week I sold an old art book for $34.78.  Amazon took $7.56, but gave me $3.99 for shipping.  So Amazon paid me $31.21 for the book.
  • Leave your items up for sale indefinitely (at no charge), but check your inventory regularly to see that your items are still the lowest price:  I recently discovered that the far right column of my active inventory page allows me to see the lowest price of all listings in the same sub-condition.  Now I can easily check on my inventory more than once a day to see that I have the lowest prices available for my books.
  • At the Post Office, ship your books using “Media Mail”:  My husband learned this trick years ago when he was selling off his vast CD collection.  “Media Mail” is the cheapest way to go.  It’s a little slower, but it will still get there on time.
  • Keep a small supply of inexpensive shipping materials on hand at all times: I’ve mailed my books in paper grocery bags turned inside out, or I’ve recycled used envelopes and bubble wrap.  I use double-wide masking tape, duct tape, or packaging tape to seal them, and then I use a black permanent marker to address them.  Brad preferred to buy a box full of small manilla envelopes just the right size for his CDs.  As a rule, if you spend a lot on your packaging or your packaging adds significant weight to your items, then your shipping costs will be higher and your profits will be lower.

I have to say that I have loved selling our books on Amazon.  We have acquired many nice books over the years as we acquired 5 college degrees between the two of us and taught in multiple schools.  Some books were inherited, gifted, or gained in other ways.  Many of our books have set on our shelves or in boxes, unread for many years.  Many of our books have moved with us…6 times in 6 years.  I am so happy to know that we will not have to move them again!  It is great to clean out our garage and bookshelves, and to have some money to spend on other things that we need at this time.

I hope you will give selling on Amazon.com a try!  If you have sold on Amazon before, what tips would you offer to others just getting started?

January 21, 2013: Evelyn Grace

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Our dearest daughter,

Today as I write to you, we have been living and working in California for 16 months.  After two dark and difficult years in Minnesota and Maryland, our new life in sunny California has been a time of great blessing and encouragement.  California is our Eden, and our town is our Garden.  We love this place and these people so much.  It is in honor of our new life here in California that we have decided to name you, “Evelyn Grace.”

Evelyn: Evelyn stems from the Hebrew name “Eve.”  Eve was created in the “image and likeness” of God (1:26.)  She was the first woman, Adam’s “suitable helper” (2:20) created from one of his ribs (2:22).  Adam named his wife Eve, “because she was the mother of all the living” (Genesis 3:20).  Evelyn means Life: Life-Giver, Life-Giving, Breath of Life.  Paul tells us that, “The wages of sin is death, but the gift of God is eternal life in Christ Jesus our Lord” (Romans 6:23), and Jesus tells us, “I have come that they may have life, and have it to the full” (John 10:10).  Evelyn also means Desired, Radiance, Beauty, and Light.  Evelyn means Little Bird, and in French it means Hazelnut.

Grace: Grace has been a theme in your Dad’s life since he first heard God’s call on his life as a teenager.  As Christians, Grace is not just a prayer of thanksgiving we say before a meal.  Grace is God’s unmerited favor, His free salvation for those who believe in Him, and His unconditional love for all people.  “For it is by grace you have been saved, through faith—and this is not from yourselves, it is the gift of God— not by works, so that no one can boast” (Ephesians 2:8-9).  Grace is a Christian virtue meaning Grace, Mercy, Blessing, Favor, Friendship, Goodwill, Kindness, and Thanks.  Grace is also a pleasing quality meaning Graceful, Beauty, Charm, and Pleasantness.

Tomorrow is your due date, and I can feel my belly tightening with Braxton-Hicks contractions as I type this letter to you.  After a miscarriage last December, implantation bleeding in May, an umbilical cyst discovered in September, the diagnosis of an infection this December, and significant sciatic pain in January…I was reluctant to believe that this day would ever come.  But here we are, ready to meet you for the first time.  As you, my beautiful little bird, kick hard against me, there is no doubt that you are full of life and light.  You are one more way that God has given us the desires of our hearts (Psalm 37:4).

Love Always,

Mommy

2012 Goals: December Update

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So how did your  goal-setting going for 2012?  December was an overwhelming month for me as I took on way more than I could handle, and ended up burnt out and exhausted.  I could not wait for the holidays to be over and things to return to normal.  I did accomplish almost everything on my “To Do” list, but not without a lot of unnecessary stress.  I hope your holidays were better than mine, and that you were able to enjoy them stress-free!

January

All-Staff Conference, Meet My Sister’s New Baby, Substitute-Teach in Maryland, Find New Doctors/Dentists

February

Substitute-Teach in Maryland, New Driver’s Licenses, New Registration, New Auto Insurance, New Keys, Have Truck Weighed/Smog-Checked

March

Study for and Pass the CBEST, TB Test, Fingerprinting, Order and Install Blinds, Letter to Naomi, Letter to Oliver, Invite Someone Over, Visit Factory

April

Attend BSF Bible Study every Week (Complete All Homework), Visit Community Museum, Invite Someone Over

May

Attend BSF Bible Study every Week (Complete All Homework), Attend Sacred Marriage Couples Bible Study every Sunday (Prepare a Dish), Visit Fort Bragg with friends, Invite Team Over, Pay Off Citimortgage (2nd Mortgage), Apply for Refinance (1st Mortgage), Try Using Cash for Groceries and Gas, Weed Flower Beds, Transplant Bulbs, Make Mother’s Day Gifts

June

Attend Sacred Marriage Couples Bible Study every Sunday (Prepare a Dish), Attend My Sister’s Wedding in Maryland, Orioles Game, Take Kids Swimming Every Friday, Invite Leaders Over

July

Purchase Black-Out Curtains for Kids’ Room, Birthday Letter to Naomi, E-mail Landlord Photos of House, Renew Lease on our Rental Property, Apply to Substitute-Teach, Take Kids Swimming Every Friday, Invite Leaders Over

August

Sell Washing Machine/Grill/Books On-Line, Visit Lake/Park/California State Railroad Museum, Clean Out Garage, Install Kitchen Cabinet Handles, Repair Diaper Hamper, Make Toilet-Paper Holder, Clean Truck Interior, Mount Carbon Monoxide Detector, Mount Curtain Rods and Curtains in Kids’ Room, Hang Naomi’s Stars and Brad’s Schedule, Frame 8×10 Photo, Clean Fridge Interior, Take Kids Swimming Every Friday, Get Texting for Brad, Substitute-Teacher Orientation, Apply New Blog Theme, Link Blog to Facebook, Link Blog’s Facebook to Pinterest, Invite Leaders Over

September

Visit River/Old Sacramento Gold Rush Days, Create Blogging Masterminds Facebook Group, Re-Write English Curriculum, Invite Team Over, Swap Regular/Maternity Clothes in my Dresser, Purchase Tickets for Flight to Maryland in November, Renew Substitute-Teaching License in Maryland, Create Painting for Church, Decipher Substitute-Teaching Documents, Close on Refinance (1st Mortgage), Hang White Board

October

Decorate for Fall, Attend Church Membership Classes, Attend Women’s Retreat, Find Halloween Costumes, Visit Pumpkin Farm, Prepare for my Family visiting, Visit Fort Bragg, Visit Chandelier Drive-Thru Redwood Tree, Visit Pumpkin Farm, Visit Lake Tahoe, Attempt to fix Oliver’s Dresser Drawer (I finally threw it away), Install Door-Stoppers, Sell Books On-Line, Brown Spot-Painting on Woodwork Around House, Re-Paint Hallway, Paint Birch Tree Murals in Kids’ Room, Hang Clock/Batteries, Take Truck to Mechanic for “Check Engine” Light, Repair Lamp with JBWeld, Hot Glue Broken Butterfly, Wood Glue Broken Bulletin Board, Apply Felt Pads to Bottoms of Chairs, Vacuum Furnace, Start Purchasing Christmas Gifts

November

Find/Deliver Christmas Gifts, Visit Family in Maryland for Thanksgiving for 2 weeks, Substitute-Teach for 5 days in Maryland, Take Extra Art Supplies to High School Art Teacher, Donate Items, Sell Books on Amazon, Transition Oliver’s Clothes to “New” Dresser, Call/Visit with Maryland friends, Have Mom Cut My Hair, Change Bank Accounts in Maryland, Figure out why my computer hasn’t turned on since Oct. 25, Clean Out Freezer, Sikh Parade, JFK 50, Handel’s Messiah, Chili Cook-Off…

December

Make Anniversary Plans (Find Babysitter), Brad’s Father Visiting for 3 weeks, Prepare for Annual Christmas Parties (Host or Find Babysitter), Find 4 more Christmas Gifts, Put Away Fall Decorations, Decorate for Christmas, Get a Christmas Tree, Find a new OB/GYN, Schedule Hospital/Birth-Center Tour, Substitute-Teach, Try Budgeting with Crown Mvelopes

*These items kept getting bumped from month to month during 2012: Find New Home-Owner’s Insurance, Investigate Long-Term Plans, Drill Holes for 4 Handles in Bathroom, Spackle/Sand Bathroom, Cover Back of Medicine Cabinet, Paint Inside Bathroom Cabinets/Drawers, Paint Kitchen Cabinets, Install Child Locks, Learn to Use Sewing Machine, Attach Kids’ Dressers to Walls, Babysit/House-sit/Pet-sit, Find Cheaper Auto Insurance, Apricot Preserves, Visit Historical Society/Community Museum/Sacramento Zoo, Choose a name for the New Baby, Process Pumpkins, Writing Monthly Letters to Naomi & Oliver…

What goals were you able to accomplish in 2012?

25 Goals for 2013

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This may be the first time I have ever written down a list of New Year’s Resolutions or Goals.  For me, it always made more sense to do this sort of thing at the beginning of the school year (September 1) rather than the beginning of the calendar year (January 1).  However, since I started keeping track of my monthly goals last June, I now need new goals for a new year.

I was reading an old post by Crystal Paine recently, in which she recommended setting goals based on your priorities, and then choosing focus areas in those priorities.  So my goals list will look a little different in 2013!  I hope doing my goals this way will give more structure to my goal-setting.  So, without further ado…

Spiritual:

  • Daily “quiet time” — Read my Bible and write in my journal 6 days a week.
  • Finish reading my Bible beginning to end for the 4th time.  (I’ve read Matthew-1 Thessalonians since June.)
  • Finish the last 2 membership classes (of 6) required to join our church.
  • Join a Bible study.

Marriage:

  • Weekly “date night.”
  • Weekly scheduling/planning time.
  • Other.  (You don’t get to know everything!)

Parenting:

  • Decide on a name and give birth to the new baby (sometime in late January or early February).
  • Research pre-school homeschooling for Naomi (who will be 4 years old this summer).
  • Visit the Sacramento Zoo.
  • Consistent bedtime routine from 7-8pm: bath, brush teeth, read books 15 minutes each night.

Health (Body/Mind):

  • Walk each day.  Floss daily.  Drink lots of water.
  • Read a book each day (even if it’s just a little bit).

Home:

  • Purge and organize to make room for the new baby.
  • Home improvements.
  • Freezer cooking (for the new baby’s arrival, and other times).
  • Clean once weekly.

Blog:

  • Write 2-3 posts weekly.

Finances:

  • Choose new insurances (auto, home, life) and write a will.
  • Make money by selling items on eBay, Amazon, and Craigslist.
  • Make money substitute-teaching.  (I substitute-taught twice in December, and 4 times in November).
  • Use Mvelopes to budget for purchases. (I began on December 30).

Ministry:

  • Assist Brad with administrative tasks of youth ministry.  (I began on November 29).
  • Look for opportunities to be generous.
  • Look for opportunities to build real-life friendships.

I know 25 goals looks ambitious for a girl due to have her 3rd child in less than 2 weeks!  For that reason, I have intentionally tried not to add many new things aside from those that I hope will make my life simpler or easier in some way.  Many of my goals overlap in purpose and achievement.  I also know that I will put all goals on the back-burner for the first 8 weeks (or as many more are necessary) after our new baby arrives so that we can focus on rest and recovery.

So, how about you?  What goals do you hope to accomplish in 2013?

Our Financial Goals: Paying Off Debt (January 2013)

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We’re a week into the new year, so I think it’s time for an update on our financial goals.

Currently we owe:

  • $24,053.46 to Sallie Mae (4.5 Interest Rate)
  • $108,193.73 to Wells Fargo Home Mortgage (4.125 Interest Rate)
  • $132,247.19 Total

If you do the math, we’ve paid off $558.06 in the last 5 months

I know this looks extremely depressing at first glance, but the reason that our debt reduction has been so slow is that we refinanced our house at the end of September 2012.  So our Mortgage’s interest rate went down (from 6.25 to 4.125) but our mortgage debt increased.

On the upside, we’ve paid off another $2,089.13 on our Sallie Mae loan since July 2012!

What are your financial goals, and how are you accomplishing them?

Photo Credit

December Sabbatical

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Dear Readers,

Thank you for your patience with me for the last month!  As you have probably noticed, I have been missing in action since the beginning of December.  Although my last post was on December 7, I actually have not written anything since Thanksgiving break while I was in Maryland.  Our family returned to California for our most difficult and busy month of the entire year.  I hope to write you more about our dark December, but for now I will just have to say that there was no time for blogging in the midst of it all.  I do hope to do a little more blogging in January before the birth of our third child!  She is due on January 22, but knowing our kids, she may arrive in early February.  I don’t know how regular I’ll be able to blog with a newborn since that will be a new experience for me.  Thanks for hanging in there, and joining us in our adventures!

Always,

Jess

Freebie Friday! Breathe Right, Cepacol, Tea, & Coffee

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When I returned home from Thanksgiving on November 28, I had quite a few freebies waiting for me!  Here they are, in no particular order.  I hope you had a great holiday season with your family too!

  • Magazines: Ski, Parents, All You, Better Homes & Gardens, Entrepreneur, Family Fun, Working Mother
  • Garnier Moisture Rescue
  • Innovative Skin Care Instant Smoothing Gel
  • Clear Scalp and Hair Therapy Shampoo & Conditioner
  • Dream Fresh BB Foundation
  • Cepacol Cough Drops & Coupon
  • Cafe Bustelo Coffee
  • Aveeno Shampoo & Conditioner
  • JCPenney’s “Little Buttons” (I won $5!)
  • Nivea Body Wash & Coupon
  • Twinings Chai (3)
  • Breathe Right Nasal Strips
  • Super Dieter’s Tea & Coupon
  • Poise Pads & Coupon
  • Lil Critters Gummy Fish (2)
  • Jergen’s Daily Moisture & Coupon

What freebies have arrived in your mailbox recently?

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