Wednesday, September 29, 2021

A Major Financial Decision

Hubs has been retired since 30 June 2017, so that's 4+ years now.  When he retired his employer set up a RMSA for him(retiree medical savings account)and I.  Since his company phased out paying directly for retiree medical expenses(like they phased out pensions)they give each retiree a lump sum in a RMSA to pay for health insurance and Medicare supplement plans once they are 65 years old.

Since Hubs retired early we've been using this account to cover healthcare premiums as was the plan.  I realized after the first year(and the outrageous rise in premium costs that first re-up year)that the amount in this RMSA was not going to bridge us to Social Security.

I ran the numbers early in 2021 and figured(depending on how much the premiums rise for 2022)the RMSA would be emptied in April or May of 2022 at the latest.  So Hubs and I had a long discussion about how to handle this problem.  April 2022 would be a year until Hubs hit Medicare age in 2023 and I follow him 9 months later and hit 65.

The solution we came up with was for Hubs to take early SS.  He started drawing in August of this year at 63 and 4 months.  We will be putting his SS check in a separate interest earning(not much but it's something!lol)account and once the RMSA runs out we'll use $$ from that SS account to pay for healthcare premiums.  I don't know at this point about getting subsidies for premiums once the RMSA runs out(as long as we had that we didn't qualify for any subsidies)but I suspect our yearly income even in retirement is a smidgeon too high to qualify.

Once we both hit Medicare age we can earmark the SS earnings for other things or just use it for regular expenses as we also have an annuity to pay for living expenses as well as other savings.  The annuity is "front loaded" and will go down a bit once Hubs hits regular retirement age(66 and 10 months for him)but during the time we need the SS check to pay for commercial healthcare premiums the annuity will still be as high as it is now.

This will work out advantageously for us because we aren't relying on a SS check alone for living expenses.  We have a fairly hefty amount of personal savings, a 401K and that annuity mentioned before giving us a financial "4 legged stool".

Hubs early SS check is about $500 more a month than we are paying now for our healthcare premiums so we ran the numbers and we should both hit Medicare with a fair amount left in that SS check account to spare.

I know everyone's financial picture is different but taking SS early worked in our situation.


Tuesday, September 28, 2021

And The Alaskan Giveaway Winner Is....

The September Sluggy's Boring Blog Box Giveaway is now in the books.  I had Sissie pick the winning entry using Random dotorg.

So who won?

And the Winner is DFuller!

I went to Alaska several years ago so my could see snow. There was a heat wave that year and the Iditarod couldn't start for lack of snow.

Congratulations D!  You have 48 hours from the time this post goes live on my blog to email me your complete name and mailing information to claim your prize.

Thanks to everyone who played along this month.  And I'll see y'all in the funny papers(yes, I am that old to know/use that expression. lol).


Monday, September 27, 2021

I'm Back!....Sort of

So last week was basically a shit show.  That's all I'm saying about it.  I went to help my sister in-law have a yard sale.  The yard sale didn't happen either weekend(and probably might not happen at all, I was super stressed out and got very little sleep.  On the bright side I did manage to do some Ibotta deals and spend down some R-A Bonus Cash.  I did also have lunch with a childhood friend I haven't seen in years and years!

I usually do a meal plan thing on Monday's but yeah, I haven't cooked/meal planned since I left so there is nothing to report really.  I've spent some $$ on food but other than the Ibotta deal items I am taking home I haven't spent grocery money.  My car is also full of crap from my brother's house.

But enough of that.......
I am at Sissie's house now and have a place to take my computer out so I am back somewhat.

I want to remind everyone that the giveaway(go HERE to enter)ends tonight at 11:59pm.  There are very few entries so far so don't forget to enter!

When Sissie gets home we'll go get into some trouble no doubt! ;-)

Later Gators,


Wednesday, September 15, 2021

Happy Birthday!

Today is blogger budddy Anne's Birthday!  I hope you have a good one Anne!

I am sending this virtual gift to you to help you get through the day.  I saw it yesterday and just had to giggle and thought of you........

Especially since the girl M & M had on white go-go boots. lolz
I wish I was there to share these with you....

That's all I got today, I'm outta here!


Tuesday, September 14, 2021

It's A Special Giveaway Brought to You From Alaska!

 Who's ready for the Eighth Sluggy's Boring Blog Box Giveaway for 2021?!?

It's September already and the warm weather of Summer is going to be a distant memory soon.  I've got something different for this month's giveaway.

Let's take a look at what is in the Giveaway Box this's all stuff I bought and shoved in my overflowing suitcasse or got for free on the trip to Alaska(or a travel item or in some way associated with the trip).  Since y'all didn't go with us, I am bringing the trip to y'all! 8-)))

2 x Starbucks dark roast ground coffee bags(Starbucks was available on the cruise ship--sell by Jul 28/21 but really, does coffee go bad?)
1 x Park West water bottle(the company selling art on the cruise)
1 x Park West pouch on a string(like a lanyard)
1 x travel Gillette deodorant
1 x travel Suave shampoo
1 x travel Dove body wash
1 x travel Vaseline lip balm
1 x travel Sensodyne toothpaste
1 x Nestle hot cocoa pack(from the buffet restaurant)
1 x Werther's sugar-free caramels pack
1 x NCL branded pencil(used for playing trivia games)
1 x NCL paper straw(3 sucks and these things collapse)
1 x Alaska Airlines cracker pack(Sky Bits)
1 x granite rock taken from on top of Mendenhall Glacier, Juneau
1 x NCL gaming token(use in the pusher game)
1 x NCL cruise t-shirt(size XL-I won this playing games)
1 x Seattle Chocolates(came in our Alaska Air meal)
1 x Lipton Cinnamon Apple tea bag(from the buffet)
1 x Alaska branded pencil
1 x American Airlines mini pretzel bag
1 x NCL deck of playing cards(I won these playing games)
1 x pack reg. mouth Ball canning lids(Seriously these things are like gold! lately)
1 x TEMSCO helicopter co. sticker
1 x Sanitizing wipe from American Airlines
1 x pack of Alaskan Fireweed wildflower seeds
1 x cork coaster from Ketchikan Alaska
1 x NCL drink cozie(Another of my winnings)
1 x Extra gum pack(Polar Ice flavor)hehehe the flavor

Close up shots of these goodies.....

And the front of the t-shirt

Depending on where you shop, the winnings have a reg. retail value of approximately "priceless!".

Here's how this is going to work.....

* The giveaway is open to ALL readers, previous winners or not.
* There is a limit of ONE ENTRY PER PERSON PER DAY.  Come back each day to enter again.
* Only VALID entries will be posted.  A Valid entry is a limit of one per day and I MUST HAVE VALID CONTACT INFORMATION FOR YOU(either you are on the Giveaway Contact List which I maintain, your comment is connected to a Google/Blogger profile which links to your email address or you email me directly(my email is in the side bar on the Blog)your email address.
IF YOU ENTER THE GIVEAWAY AND DON'T SEE YOUR COMMENT It's because I'll be offline some of the next 2 weeks and won't post entries until I am back online.

From all the VALID entries I receive I'll pick a winner at random and the winner has 48 hours from when the post goes live to contact me with their full mailing address.

In your entries I'd like to hear where is the furthest you've traveled for a vacation, the craziest thing you did on vacation, the most fun thing you did on a vacation, your favorite place to go or thing to do/see on a vacation, some place you have always wanted to go on vacation, etc.

If you are on my Giveaway emails list just leave a comment and your name(with last name initial please)to enter. If you aren't on the Giveaway emails list make sure you leave your email in your comment OR email me your email privately after you leave a comment(my email is in the side bar area under "About Me").
I'll leave this giveaway open until September 27th, Monday at 11:59 pm Eastern  Daylight Savings Time. On September 28th, Tuesday, I'll draw the winning entry and post the Winner that evening or so.

*Please note these rules*
I'll post the name/ID of the winners on this blog on  and those persons have 48 hours from the time stamp on that post to contact me privately via email(my email addy is listed on my "About Me" page, as well as on my side bar).

Disclaimer--This giveaway is open to those with mailing addresses within the US only.  As the cost of postage to foreign countries has gotten too high I am sorry to say I can no longer afford to mail boxes outside the US.  These giveaways are not sponsored by any companies.  I pay for it all(the cost of items given away and the postage to mail it all)out of my own pocket.


Please make sure there is a way for me to contact you in your comment.

If you're not a registered Blogger User with YOUR CONTACT INFORMATION on your User page, please put your email addy in your comment or email me your email addy privately when you leave a comment so I can get a hold of you. If your Blogger associated user profile is a GOOGLE one make sure your email info is linked to your profile.

So let's get this Giveaway started. Good luck to everyone!!!

Alaska Bound Sluggy

Monday, September 13, 2021

This Week on the Dining Table

  The "Felt Ambitious(Sort of)" Edition...

I thought I'd try to replicate the cruise entreé of Pecan Crusted Salmon from the cruise ship I had one night.  I took a hunk of salmon out of the freezer and found a recipe and I got the taste pretty close.  Of course it would have tasted better if I hadn't had to cook it and has it served to me on a cruise ship instead. lol
I served said salmon with home grown green beans sautéed in a little teriyaki sauce.  It was a yin/yang of flavors meal. 

Onward to the meal planning!

This is what was planned--
1. Sunday--Spaghetti w/Chicken Meatballs, Salad, Garlic Bread
2. Monday--Fend for Yourself or Take-out Subs
3. Tuesday--Lobster, COC
4. Wednesday--Cook-out Foods
5. Thursday--Pork Tenderloin Sandwiches, Green Beans
6.  Friday--BLTs
7. Saturday--Leftovers or FFY

And this is what really happened.......
1. Sunday--Spaghetti w/Chicken Meatballs, Salad, Garlic Bread
2. Monday--Burger King(I had a chicken sandwich and watermelon.)
3. Tuesday--Pecan Crusted Salmon, Teriyaki Green Beans
4. Wednesday--Lobster, COC
5. Thursday--BLTs
6.  Friday--BBQ Pork Sandwiches, Cole Slaw
7. Saturday--Chicken Quesadillas, Strawberries

I got a deal on a pork butt last week so smoked it, putting 2 bags/meals worth in the freezer for Winter eating.  The pork tenderloin sammies move to this week since they didn't happen last week.

What got put into the freezer last week....
* 1 pack grilled chicken strips
* Tomatoes from garden
* Broccoli crowns

What got taken out of the freezer and used...
* Chicken Meatballs
* Salmon

I spent $59.64 on food/toiletries/HBA last week at Walmart, Target and Weis.  This brings our food/toiletries/paper goods Total to $182.46 for September so far. 
Wednesday's lobster meal was our meal out substitute so I am not counting that spending in grocery but in eating out budget.

There are 17 shopping days left in September.

I've earned $112.85 on Ibotta in September.
I've earned $3.30 on Checkout51 in September.
I've earned $4.00 on Coupons dotcom/Paypal in September.
I've earned $4.50 from Aisle.
I've earned 2490 points from shopping on Fetch in September which equals $2.49.
I've earned 8,120 points from food shopping on Shop Kick in September which equals $32.48.
I've earned 13,310 SB from food shopping on Swagbucks in September which equals $13.31.

That's $124.65 in rebates(not counting the Shop Kick/Swag Bucks/Fetch)on $182.46 in grocery spending so in reality it's $57.81 spent after the 3 rebate apps I count until I cash out on the other three apps. 8-)))

My savings percentage for last week was 61.44%(without "regular" Rite-Aid trips)for September and the monthly savings total for September comes in at 48.40%.(w/out R-A).

Leftovers going into this week....1 helping of bbq, filling for 1 quesadilla, some grilled chicken breast(for chicken salad or on top of a salad for a lunch),some salad greens and tomatoes for days and days. ;-)

Here is this week's "food plan".....
1. Sunday--Chinese Take-out
2. Monday--FFY
3. Tuesday--Pork Tenderloin Sammies, Broccoli
4. Wednesday--Subs
5. Thursday--?
6.  Friday--?
7. Saturday--?

What do I need to buy to fix everything on this menu?  Nothing.  I'll be out of town half the week and Hubs will be left to his own devices.  I'll make a pot of spaghetti sauce out of some of the garden bounty to leave him to use as he sees fit and as long as the bacon holds out he'll be eating BLTs too.

What is getting fixed and served at your house this week?

Was last week's plan successful, did you go off plan or did you not even plan what was going to be eaten last week?

Any great deals on food at your stores this week?  



Sunday, September 12, 2021

Stacking Ibotta Bonuses & Other Rebate Apps

 I needed 7 offers to finish the $10 Sunflower Bonus and I got a $5 Weekend Bonus on 15 offers(I had bought a Genexa and a SinusCalm items at Rite-Aid on Thursday(clearance priced at $2.99 and $2.75)as part of a Spend $50/Get $10 off coupon Deal and spent Zero OOP(used Bonus Cash)so I only needed 13 more offers for the Weekend Warrior Bonus and had $4.50 worth of rebates already.

So I went to Walmart and bought this.........

1 x Daisy cottage cheese=$3.12
1 x OS cranberries=$2.08
1 x Dave's Killer Bread=$4.64
1 x Barilla pasta=$1.28
1 x Breakstone cottage cheeses doubles=$1.06
1 x Helluva onion dip=$1.98
1 x Sheila's Brownie Brittle=$2.88
1 x Softsoap hand soap=$1.98
1 x Rimmel mascara=$3.97
1 x Rimmel face powder=$3.97
1 x Revlon lipstick=$4.97
2 x Greek Gods qt. yogurt=$8.96*only 1 in photo*
2 x Degree stick men's deo=$8.54
1 x Degree stick women's deo=$4.27
1 x Finish dishwasher cleaner=$3.77
2 x Bertolli marinara sauce=$5.96
2 x Werther's sugar-free caramel packs=$2.96
1 x Breyer's cookies and cream ice cream=$3.88*not in photo*
1 x Klondike cookies and cream ice cream bars=$3.27*not in photo*


Coupons Used came to $10.78(really was $10.50 but I had .28 overage for an AirWick plug in Q I used but wasn't a rebate/app deal so not pictured here).

I used a $25 free gift card earned from ShopKick bringing the total to $37.76+$1.64 tax=$39.40 OOP.

I earned back $36.50 on Ibotta, $8.78 back on ShopKick, $1.46 on Fetch, $9.10 on Swag Bucks, $3.30 on Checkout51.
This meant $39.80 back on Ibotta and Checkout51 for spending $39.40 OOP.  Plus another $19.34 back on the 3 apps I get the free gift cards from.  A .40¢ or a $19.74 moneymaker depending on how you look at it.
And that's not counting the $4.50 in Ibotta rebates earned on Thursday. 8-)))

I tried to just buy things we needed/would use(well I didn't need onion dip or brownie brittle and the Breyer's ice cream is for Ex-College Boy as it's his favorite flavor).  The few toiletries I got will go into Giveaway boxes or be used as gifts(Christmas is coming in 15 weeks!).

It was a strong rebating weekend for me.
How did y'all do?


Saturday, September 11, 2021

The More Things Change The More They Stay The Same

 With the 20th anniversary of 9/11 and the disastrous pull-out of US forces from Afghanistan recently this song from 1967 has been an ear worm in my head........


Friday, September 10, 2021

Frugal Friday 2021.....the September 10th Edition

 I've been gone all day running errands and I am bushed!  So this will be a brief Frugal report.

*  We cooked/ate at home all week, except for Labor day.  Tried to use a gift card for Subway but they had the nerve to be CLOSED on Monday! humph  So Hubs got us Burger King and forgot to use the gift card.  #fugalfail

*  I did a teeny tiny bit of shopping to finish off some Ibotta rebates this week at Walmart and Rite-Aid(as always the R-A stuff cost me "nada").

*  I got a bunch of food bank stuff gathered but didn't get it up to the church where it's housed.  I suppose I'll dump it all into Hubs car before I take off for Virginia next week.

*  I jumped on a great deal with NCL and Hubs and I are off on another cruise in December to the Caribbean mon!  Ok, so it's not that frugal but we did get 4 extras and the flights to Miami thrown in so I'm calling this a win. ;-)

*  We only needed to use the a/c 1 day last week, and all laundry was done during off peak hours so the electric bill will be lighter in September(maybe). 

* I found money!

Last Friday these 3 pennies were next to my car in the parking lot of Walmart.

On Tuesday I found this dime under my self-checkout at the Walmart in the town South of here and the penny in the foyer as I was leaving the store.

Money Found This Week... .14¢
Money Found This Year.....$15.13

What frugal wins did you have this week?
Let us know what went down in your world this past week!


Wednesday, September 8, 2021

Last Rite-Aid Trip & Walmart This Week

 I only did a very small transaction at Rite-Aid last week.  I needed 8 items for a $1 Midweek Marker Bonus.....

2 x Aveeno lotion BOGO50%=$5.23
1 x Vick's Pure Zzzs clearance=$2.37
1 x Berri Fit drink 20% Gold discount=$2.23
1 x Evolve shake drink 20% Gold discount=$2.79
2 x AirHeads candy bags on sale=$4.00
1 x Almay eye palette clearance=$2.74

Coupons Used
1 x $1/1 Evolve hangtagQ=$1.00

$19.36-$1.00=$18.36 +.64¢ tax=$20.00 paid for with Bonus Cash/gift card.

No BC was earned but I earned $12.20 on Ibotta counting the $1 Bonus for hitting 8 rebates(the Berri Fit drink qualified for 3 rebates).  So I spent down all the BC on one card.

I hit Walmart yesterday to do a $5 wybuy 10 items Mid Week Money Maker Bonus........

1 x Softsoap hand soap=$1.98
1 x 9 Elements cleaner=$4.94
1 x Barilla pasta=$1.28
1 x Rise coffee drink clearance=.38¢
1 x Rimmel mascara clearance=$3.97
2 x Rimmel face make-up clearance=$2.00
1 x Breakstone cottage cheese/fruit cup=$1.06
1 x Core coconut protein bar=$1.98
1 x CB sliced Provolone cheese=$2.98

Coupons Used
1 x $2/1 9 Elements ManQ=$2.00
1 x $2/1 Rimmel eye ManQ=$2.00
1 x $1/1 Rimmel any ManQ=$1.00
Coupon Total..........$5.00

$20.57-$5.00=$15.57+.47¢ tax=$16.04

While I only did 9 'different' rebates, there were 2 separate rebates for the Softsoap, giving me 10 rebates total.

I earned back $16.38 on Ibotta plus another $5 for the Bonus for doing at least 10 offers, making it $21.38 in rebates and a $5.34 moneymaker for these items.  I also used part of a $25 free gift card from Fetch to pay so it was Zero OOP on all this.  The coffee will go to Ex-College Boy, the dark face make-up and the mascara will be donated or go in a giveaway and we'll use the rest.

I did purchase other non-Ibotta items(some canned goods for Hubs, some clearance items and a pork butt to smoke)so the overall trip wasn't free but cost me $11.52 for everything bought.  That total will show up in next Monday's post when I do my weekly spending on groceries/toiletries/etc.

I also tried to find the free spicy Hormel pepperoni at 2 different Walmart stores but neither of them carry that type.


Tuesday, September 7, 2021

Income & Spending 2021.....the August Report

Now that we are living on an annuity and 401K$ withdrawals(some months), I am still going to keep track of our monthly spending and income, and hopefully we'll still be able to live BELOW our means and I'll have some leftover monies each month to tuck aside.

I am trying to be as transparent as I can with how much is coming in and how much is going out.  8-)

On to the August report---

I had 2 goals for August.......
The 1st is to actually finish the month in the black and not the red.
The 2nd is to try to have a little cash leftover at the end of the previous month to tuck back into a slush fund.  This slush fun may be to apply toward unforeseen bills that are coming due in subsequent months, to spend on "extras/wants" during the year or to just sit there and grow until the end of 2021.

I can report that we finished up August in the Black(for a change).
The amount we ended the month of August with?....$36.38

Income or Funds We Can Access

The "income" in August---

* Monthly annuity payment of $3,222.24(after tax withholding)
* RMSA(Healthcare account)reimbursement of $1,971.99
* Interest earned on non-retirement accounts of $436.44
Total "Income" for August.....$5,630.67

Expenses in August---

* Healthcare Premium for August was $1,971.99(paid for with RMSA reimbursement)
* Irregular bills in August were $1,173.00(house insurance, trip cash, Oldest birthday check)
* Variable Expenses in August came to $2,449.30
Total Expenses....$5,594.29


Slush into August of $39,033.52 in that Fund, add the $36.38 in overage and we get $39,069.90 going into September's Slush Fund.
The Slush Fund on it's Page(tab at the top of the blog)shows an addition of $36.38. rah.

As for the variable expenses this August, here are the good and the bad side of things....


*  Internet was the same as in July.
*  The WAM was the same amount taken as last month.
*  The electric bill was $3.79 lower than in July.
*  The cell phone went down by $82.25 from last month.
*  The water bill was $5.15 lower than in July.
*  The MC c/c was $1,032.10 lower than last month.
*  My Amazon Visa was $2,716.60 lower than July.(Cruise related stuff all paid for in July.)


*  The gas bill was $46.78 higher than last month.(Trip to MD accounts for most of that gas. Gas has been crazy expensive for here.)
*  3 irregular bills were due in August--annual home insurance, a birthday check for our oldest son and extra $$$ was taken for the trip to Alaska.

The Food Budget costs for August are in another post, which is located HERE.  Food costs are included in the credit card payment(mainly but sometimes our WAM cash too).

FINAL THOUGHTS on August---The only variable bill that went up rather than down in August was gas for the cars.  I'd call that a win.
THOUGHTS going forward into September 2021---Well the gas costs will be high again as I have a trip down to see my brother and his wife and a side trip on the way home to see my Sissie. ;-)  Groceries shouldn't be too high as I won't be here to shop and Hubs won't. lolz  I paid ahead on my Amazon card so all the crap I bought in Alaska and barely fit in my luggage home won't be haunting my credit card....just half of it.
We have 2 big irregular bills coming due in September--Long Term Care premiums and our School taxes(which of course, went up again).  There will be a money meeting later this money to see whether to tap the 401K or just withdraw for these from the non-retirement savings.  More in the next monthly report on that.
We also made a big money decision which kicked in during August but I'll talk about that another time as it really won't affect our income/spending until Hubs Medicare kicks in about 20 months from now.  This matter will get it's own blog post in time.

So how was your August financially? 
Did you spend less than the income you had in August?
Did you stay within your budget or not?
What did you do with any money leftover at the end of the month?
Did you pay off any debts or put extra toward your mortgage principle or into savings, in an emergency fund or a retirement account?
Or did you blow it on a want?

If you posted your financial progress on your own blog, leave a link in the comments so we can go check out your progress too and celebrate or commiserate with you!


Monday, September 6, 2021

This Week on the Dining Table

   The "I Have to Cook Again, Blahs!" Edition...

One of the best things about the weeklong cruise was NOT having to meal plan or cook anything.  It was lovely.  The only effort was deciding where to eat and picking out what to eat. lol
I had this sort of breakfast a few times-scrambled eggs(not from powdered!)a piece of bread w/orange marmalade, thin crisp bacon and cantaloupe(2 pieces).  I have to say they had some of the best fruit on this cruise, especially the 'loupe.
Now it's back to real life dang it! ;-)

Onward to the meal planning!

This is what was planned--
1. Sunday--Nothing
2. Monday--Nothing
3. Tuesday--Nothing
4. Wednesday--Nothing
5. Thursday--Nothing
6.  Friday--Nothing
7. Saturday--Nothing

And this is what really happened.......
1. Sunday--Whatever you could scrounge up.
2. Monday--Kielbasa sandwiches, some frozen veggies(don't remember what)
3. Tuesday--Domino's Pizza, Watermelon
4. Wednesday--FFY(I had a PBJ sammie)
5. Thursday--Chinese Take-out and Watermelon
6.  Friday--Steak, COC, Caesar Salad(I just had the COC)
7. Saturday--BLTs, Watermelon

We got home at 1:03am EDST on Sunday morning from the airport.  It took me 3 days to adjust to the time zone change and to get my brain working on a meal plan again. ugh.  We had no fresh produce except for a plethora of tomatoes in the garden and 1 sad cucumber.  In order to have BLTs I had to get to the grocery store for bread.  Unfortunately I found much more food to buy besides bread. lol

What got put into the freezer last week....
* 1 pack of chicken/apple sausage
* 1 Cab Round Steak

What got taken out of the freezer and used...
* 1 lb. of Pepper Bacon
* 2 Steaks
*  1 pack of Kielbasa

I spent $1232.82 on food/toiletries/HBA last week at Walmart.  This brings our food/toiletries/paper goods Total to $122.82 for September so far. 

There are 24 shopping days left in September.

I've earned $50.37 on Ibotta in September.
I've earned $0 on Checkout51 in September.
I've earned $3.00 on Coupons dotcom/Paypal in September.
I've earned $3.50 from Aisle.
I've earned 7740 points from shopping on Fetch in September which equals $7.74.
I've earned 6,025 points from food shopping on Shop Kick in September which equals $24.10.
I've earned 12,367 SB from food shopping on Swagbucks in September which equals $12.36.

That's $56.87 in rebates(not counting the Shop Kick/Swag Bucks/Fetch)on $122.82 in grocery spending so in reality it's $65.95 spent after the 3 rebate apps I count until I cash out on the other three apps. 8-)))

My savings percentage for last week was 38.26(without "regular" Rite-Aid trips)for September and the monthly savings total for September comes in at 38.26%.(w/out R-A).

Leftovers going into this week....nothing.  Oh gosh, I have to cook a LOT! lolz

Here is this week's "food plan".....
1. Sunday--Spaghetti w/Chicken Meatballs, Salad, Garlic Bread
2. Monday--Fend for Yourself or Take-out Subs
3. Tuesday--Lobster, COC
4. Wednesday--Cook-out Foods
5. Thursday--Pork Tenderloin Sandwiches, Green Beans
6.  Friday--BLTs
7. Saturday--Leftovers or FFY

What do I need to buy to fix everything on this menu?  Lobster obviously.  And I'll need to either make bread or hit the bread store and buy corn on cob.  Might hit a produce stand too depending on if I have the energy to make and can my pepper relish this week.

What is getting fixed and served at your house this week?

Was last week's plan successful, did you go off plan or did you not even plan what was going to be eaten last week?

Any great deals on food at your stores this week?  



Saturday, September 4, 2021

Food Spending 2021....The August Report

  Onward to August's Food Spending report......

Here are my FOOD BUDGET spending totals for AUGUST 2021.

I have posted August's totals on the Total Grocery Savings Page located HERE and have updated the Totals there.
I am listing subtotals for each store I purchased from in August.  If you aren't interested in that much detail, just skip to the bottom for the Totals Sum.  My spending includes Food, Toiletries/HBA, Cleaning Products, Paper Goods & tax where applicable. We are a family of 4(2-3 eating at home this month). No "kids" under 25. 

OOP  $1.58
Value  $6.49
Savings 75.65%

OOP  $25.36
Value  $46.46
Savings  75.42%

OOP  $0.00
Qs/Ads/BC  $574.24
Value  $574.24
Savings  100%

OOP  $2.31
Value  $7.98
Savings  71.05%

OOP  $0.00
Value  $38.52
Savings  100%

OOP  $41.35
Qs/free Gift Cards  $156.07
Value  $197.42
Savings  79.05%

OOP  $108.67
Qs/Sales  $67.84
Value  $176.51
Savings  38.43%

My best 3 Store Savings Totals were Rite-Aid at 100%, Target at 100% and Walmart at 79.05%.
The worst rate was at Weis at 38.43%.
I shopped at 7 different stores in August.  That's what happens when you go on vacation and don't food shop for 10 days at the end of the month.  Plus my beloved Discount Grocery Outlet closed down as they lost their wholesale supplier. *sad face*

TOTAL Spent in August..................$179.27
TOTAL Coupons/Sales/Gift Cards...$294.11
TOTAL Value of Items Purchased.,,.$473.38
TOTAL Savings of .............................62.13%

TOTAL Out of Pocket for August w/R-A..............$179.27
TOTAL Coupons/Sales/Gift Cards w/................$851.12
TOTAL Value of Items Purchased w/Rite-Aid...$1,030.39
TOTAL Savings with Rite-Aid items....................82.60%

This closes out the August food/toiletries spending.

THOUGHTS & COMMENTS for this month.....
I went into August knowing I'd spend less since we weren't here part of the month.  Then my discount grocer closed up shop too so I had less incentive to food shop.  But Ibotta kept me in the stores because of bonuses, moneymakers and freebies but it was a VERY cheap spending month(on food/toiletries-don't even go there with the cruise spending! lol).

The monthly food spending savings percentage went UP by 4.78% in August 2021 to 82.60% compared to the July's 77.82% savings average.  Nice.

With 8 months accounted for, I have spent a Year-To-Date Total of $2,604.33 on food/toiletries in 2021.

2020 Yearly Grand Total Spent....................$2,604.33
2020 Yearly Grand Total Value of Items.....$13,954.43
2020 Grand Total Saved...............................$11,350.10
2020 Yearly Savings Total.............................81.34%

The average per month amount spent is $325.54 in 2021 so far.

My Ibotta rebate total for the year so far through August is $1,886.83.  Put that next to a full spending of $2,604.33 for the year so far and I've "actually" spent only $717.50 on food/toiletries for the year or an average of $89.69 per month.  Plus I've been able to donate to the food bank and share my haul bounty with others.
I think that is awesome. 8-)))

LOOKING AHEAD To September 2021...........I've got a small trip planned to go see my brother so I won't be home for part of the month, meaning Hubs is in charge of any food procurement(which he won't do mostly)so he'll be eating what is here. rah.  Not being home I'll have no idea what he is eating or spending(the down side). ;-)  On the Up side I won't be cooking much. 8-)))

If you have other ideas or guidelines you follow please leave a comment and share yours with us all.

*  How much did you spend on food/toiletries in August?

*  Do you track your yearly food spending?  It's really not that hard or time consuming; just have your receipts and either track it in a notebook or on a spreadsheet.

*  What was your savings percentage buying on sale and/or with coupons vs. buying at regular retail price last month, if you track that sort of thing?

*  What are your methods for keeping your food spending in check?

Is anyone out there up for tracking expenditures and trying to spend less but still eat well?


Friday, September 3, 2021

Frugal Friday.....the September 3rd Edition

 Well, Well, Well.  It's back to real life and Frugal Friday again if I want to be or not. lol

Some frugal stuff from the past week....

*  Didn't do but 1 grocery shop all of this past week and that was at Weis(PMITA)Markets. I did however go to Rite-Aid as well but we all know by now that I don't spend money there. ;-)

*  Sat my butt home recuperating from the cruise and trying to take the weight I gained on said cruise off.  Only 2 more lbs. to go. rah.

*  Hubs and I took part in Trivia and other Games on the ship and won assorted tchotchkes/prizes.  More details on that as I blog about the cruise.8-)

*  I found money!

All this was found on the cruise ship on Friday.

All this was found in the airport in Seattle on Saturday.

This dime was found under a freestanding shelving thingy near the register at my Rite-Aid on Tuesday.

And this quarter was found in my Rite-Aid on Thursday under the candy rack by the register counter.

Money Found This Week........$1.32
Money Found This Year.........$14.99

*  Due to the inaugural Alaska cruise of 2021 and the bonehead things that happened and the uproar it all caused, we got free shuttles into and back in one port and free tram rides at another port.  So we saved $16 on shuttles and I don't know how much on the tram(maybe another $8 each?).

That's about all I can think about now.  My brain is still fried. 

What frugal things happened in your life this past week?

Tell us all about your wins!


Wednesday, September 1, 2021

For Kim....

 Don't feel badly Kim.  It seems you are NOT the first nor the only person who this happened to......


Snarky Sluggy