Friday, January 1, 2010

$60K Savings Challenge DECEMBER Totals & The Year End TOTAL

I have posted my DECEMBER End of Month 60K $AVING$ CHALLENGE Totals.
Check out the side bar to your right(near the bottom) for the specific numbers.

We had another Excellent month growing our Savings in December!

I have to report that we finished up December in the Black again.

The amount we ended the month of December with was..........$2,104.79!
And that amount was AFTER Christmas spending so I am pretty excited for the total.

Besides Hubby salary we had a hefty amount in Rebates, some rolled Coins and I sold a few things on eBay.  While not a large sum of money, it does add up and help to beef up the savings amount.

As for the expenses in December.....
The electric bill jumped $60 from November, as December was quite a bit colder overall here and the heat was on full time.
The water bill jumped $17 from last month. No explanation for that one.
All other regular bills...Cable, Internet, Phone, etc. are the same each month. 

The Food Budget costs for December are in another post, which is located HERE.  Food/Toiletries spending in December was low after rebate income was figured in and compared to the value of the items bought we saved just over 92%.

We had some out-of-the-ordinary expenses in December.  There was Christmas & daughter's birthday spending(gifts, travel, special food, etc.), though we didn't spend all of the $800 we budget for that so we are under on that expense.
But there were unexpected bills such as--the veterinary hospital($182.90), an electrician visit($109.55), an additional car insurance fee($209.51)since the daughter got her license this month, and 2 car repairs/maintenance bills($1072.94).  If not for these $1574.90 in unusual expenses, the amount to put into savings would have been 50% larger.

The credit card bill,which is paid off EVERY MONTH,($826.58) wasn't very high considering 1/3 of that Dec. bill was Christmas gifts bought early and now are paid for already.  We only have about $170.00 in Christmas & Birthday purchases that will be on the January credit card bill.

The way things turned out, those unusual expenses I was anticipating having to pay out on in December are going to be due in January instead.  These would include Oral Surgery for both Daughter and #2 Son and Orthodontic Work for #2 Son.  It will be a very expensive month for our family's teeth. 8-(


At the end of TWELVE MONTHS of this $AVING$ Challenge, and we have a Savings Grand Total of $23,865.36  for the Year!

While it is nowhere close to the $60 THOUSAND I shot for, I am pretty pleased with the Total we were able to save.  Believe me when I tell you that every penny of that is safely snuggled into an account earning interest.

So what exactly is $23,865.36?

$23,865.36 is paying CASH for a Nice Car!
Not that I would ever spend it that way.lol

$23,865.36 is a total kitchen remodel or a bathroom addition on your home for CASH!
Ok, this is a way I might consider spending it.

$23,865.36 is sending your kid to college for a Year with NO LOANS!
Oh yeah, that's a most excellent way to use that money.

$23,865.36 is paying off a car loan, a student loan, a second mortage or line of credit, or putting on the principle on your mortgage so you are one step closer to being DEBT FREE!

$23,865.36 is a ready made CASH Emergency Fund so that the next time Life hits you with a money emergency, Life can't kick your ass and make you put that emergency on a credit card!


So how was your December financially?  Leave a comment and share with us what you did with your money, both the good and not-so good.   Do you have any tricks or tips that help you to end your month before the money runs out?  Let us know!

And what are your plans for your money in 2010?  Do you have a Budget or some kind of Plan for your Money laid out IN WRITING for 2010?  It's time to start thinking about how to get a fresh start to Financial Freedom in the new year!  You need to let your money know what you expect it to do for you.  If you don't, your money will do what it wants and just fritter away.  Don't be left standing at the end of 2010 with nothing to show for all your hard work!
Make a plan!
Do it NOW!!


Sluggy

STOCKPILE Cheers & Jeers for 2009

So how did you do with your Stockpile in 2009?
While I've always had a pantry of foodstuffs & a closet of toiletry extras, this year was the first time I had stocked and maintained an actual Stockpile of food and toiletries.

My Best Stockpile Buys for 2009....

1. Marcal Small Steps FREE Toilet Paper/Napkins/Facial Tissue
2. FREE Bags of Iams Dog Food
3. Sugardale Bacon for $1 a package
4. Free or almost free Gillette Products
5. Free Crest Toothpaste (large hauls from Weis and Wags)


My Worst Stockpile Ideas for 2009....

1. Free or almost Free Soy Joy
2. Free or Under $1 Cold Cereal
3. Free Diabetic Meters
4. Moneymaker BC Fruit Snacks
5. Almost Free Kraft Salad Dressing (good to get but just not so many at one time)


My Toiletries Stockpile went from this in March....



To this in early October.......wait for all the photos  lol......



those photos are a 2 year supply organized and put away.
There was also THIS EXCESS STUFF beyond that 2 year supply....




Those 18 Boxes and a few Bags of stuff are what ended up going to the Flea Market in October and this is ALL that came home with me from there.....

The Flea Market Report is HERE if you'd like to read about it again.

My Toiletries Stockpile multiplied faster than Bunnies in those 7 months from March to October!
It got out of hand so fast!!
And that amount of Excess Stuff is AFTER I had a Garage Sale in July too!lolol
So with what I sold at the Garage Sale added in, the overall stockpile was even larger than what you see in the photos!

And just to remind you......this is JUST THE TOILETRIES STOCKPILE!
I'm not even talking about the FOOD STOCKPILE/PANTRY.
Oh, you don't even want me to show you photos of that!!


So, what is the state of my stockpile today?
I still have my 2 year Toiletries supply organized and put away.  I've added a few things to it that we weren't stocked up on, but not more than I have room for in the organized storage.
But more excess has crept back in.
Excess meaning free stuff we don't need more of....like toothpaste, shampoo, soap, razors.....

My Toiletries Stockpile Goal in 2010 is to replenish as we use up items in the 2 year supply.
I am also going to try to only "buy" other toiletry items if they are free or $1 or less with coupons/sales.
I will collect these other toiletry items until May, at which time I'll evaluate how to dispose of them-by either donating them and/or setting up at a flea market again.

So what state is your Toiletries Stockpile in?
The new year would be a good time to take stock of what you have, what you need, organize it and see what you need to get rid of by donating, selling or passing on to neighbors or friends in need.

Sluggy

December BUDGET RESULTS-Food & Toiletries Spending



Here are my FOOD BUDGET spending totals for DECEMBER 2009.
I am listing subtotals for each store I purchased from in December.
These Totals include Food, Toiletries/HBA, Pet Supplies, Cleaning Products & tax where applicable.We are a family of 5(4 at home-all 5 home for 2/3 of this month)& 3 dogs. No kids under 13.

BIG LOTS
OOP $18.08
Qs/Ads $19.94
Value $38.02
Savings 52.45%

BOYER'S(local Independent Grocery)
OOP $13.76
Qs/Ads $15.25
Value $29.01
Savings  53%

CARONE'S(local Independent Grocery that doesn't take IP Qs)
OOP $28.06
Qs/Ads $43.34
Value $71.40
Savings   60.70%

ENTENMANN'S OUTLET
OOP $43.78
Ads/Sales $89.28
Value $133.06
Savings  67.10%

FIVE MOUNTAIN MARKET(local Independent Grocer)
OOP $6.05($26.05 spent, $20 on Gift Certificate)
Ads/Sales $14.00
Value $40.05
Savings  84.90%

PRICE CHOPPER
OOP $30.32
Qs/Ads $59.91
Value $90.23
Savings  66.40%

RITE AID
OOP $48.00 before rebates/$12.06 Moneymaker  after rebates qualified for
Qs/Ads $456.58
Value $504.58
Savings 90.50%(100%+ after rebates of $60.06 due)

TARGET
OOP $12.70
Qs/Ads $51.52
Value $64.22
Savings  80.22%

WALMART
OOP $17.97
Qs/Ads $9.79
Value $27.76
Savings  35.27%

WEIS (local chain Grocery store that doesn't take IP Qs in my town)
OOP $111.59
Qs/Ads $173.62
Value $285.21
Savings  60.87%

I've decided NOT to track CVS's ECBs & Walgreen's RRs. They will be included when used on purchases under "Coupons".   I'll keep track of what rebates are received monthly.  Rebate money/gift cards will be considered 'income' & go toward Food/Toiletries budget purchases, offsetting the Out of Pocket. Cash will go immediately into the Budget kitty, while Gift Cards will be calculated in when spent.

REBATE CHECKS RECV'D. IN DECEMBER

Kraft Back2School.....$20.00
Kraft Jingle in Your Holiday...$10.00
Olay/Pantene......$20.00
Palmolive Dish Liquid....$1.49
Perdue Chicken...$5.98
Pinecone Research....$9.00
Real Simple....$10.00
Rite-Aid SCR........$132.30
Suave Lotion/Body Wash...$4.98
Venus Razor....$7.99
Zyrtec....$7.02
Subtotal........$228.76

FREE ITEMS

Chik FilA Sandwich
Little Debbie Cupcakes (a box)
Avery/Dennison Prize Pack I won

COUPONS
None Received 8-(

GIFT CARDS and CERTIFICATES

KMart Cereal Offer $5.00
Office Depot $25(part of the prize pack I won)
Rite Aid  $10.00
Rite Aid GOS Certificate  $40.00

SubTotal...$80.00

TOTAL Value of Cash/Store Checks/Gift Card Rebates Received..$308.76

My best 3 Store Savings Totals were from Rite-Aid at 90.50%,  5 Mtn. Market at 84.90% and Target at 80.22%.

TOTAL Out of Pocket...............................$330.31
TOTAL Coupons & Store Sales Savings...$953.23
TOTAL Value of Items Purchased.............$1283.54
TOTAL Savings of..........74.26%

TOTAL of CASH Rebates........................$228.76
TOTAL OOP After  Rebates....................$101.55
TOTAL Savings of..................................92.08%

This closes out the December spending.

THOUGHTS & COMMENTS for this month-
With the high amount of income from Rebates received I was able to have a low out of pocket for this month.  While an OOP of $330.31 for food spending for a month is good, just over $100 after the rebates are applied is GREAT! 
I was able to stay our of the grocery store for almost 2 weeks total this month and we ate through quite a bit of food in the freezer...food in the stockpile?....not so much.   I made headway in my USE IT UP CHALLENGE but we have more to use up.

What's ahead for January 2010.....
Since I have #1 son home for most of this month and my Sis-In Law is coming to stay for a week mid month, I should be able to continue to eat down in the Freezer and Stockpile.  The SIL though will prove to be problematic for my food budget as she eats from a very narrow selection of foods so the challenge for that week is to come up with meals that include these few foods but are acceptable to my family's palette as well.  I am trying very hard to avoid having to cook TWO meals each night!  Two meals will mean more waste and more cost.

The January 2010 Food/Toiletries Budget is set at $200 cash out of pocket.  Any rebates received this month will offset this OOP spending.  This means that I have UP TO $200 of regular income to spend on the food budget and any rebates that are received are added to that budget.  (IE; If $150 in rebates are received in Jan. so I'll have $350 to spend on food shopping this month.)If I don't spend all the money in the budget in January, I'll carry over whatever is leftover into February's food budget.

How did you do in December with your Food Budget?  Leave a comment or link to your post and let us hear!  By sharing our struggles and efforts we can help each other stick to our budgets and learn to be better guardians of our resources.

Sluggy



The Couponing Year in Review....My List of Deal FLOPS in 2009



Now that we are safely into 2010....
Here is my Rant about what I consider to be the DEAL FLOPS of 2009.  I kept it to 12 items.  Wish I had less to report in on.lolol

COUPONING DEAL FLOPS & FAILURES FOR ME IN 2009.

1.Natural Dentist Rebate

THIS is the ONLY Rebate I sent away for in 2009 that DID NOT HONOR THEIR OFFER.
A great big Phhhht!! to you Natural Dentist. Your products are WAY overpriced and work like crap! This is one consumer who is NEVER BUYING another of your products. I hope your company goes belly up and fast!

Me disgruntled?
Nahhhhh....

2. KFC GRILLED CHICKEN GIVEAWAY

Offering a Free Meal to anyone in America on 1 certain Day to advertise your new healthier chicken option. How did you think this would NOT turn into a Major Cluster Copulation?lol

What a big fiasco that probably ended up costing KFC millions more than they had envisioned and caused hard feelings with the public. They did do a good job of damage control though by offering subsequent FREE MEALS with a FREE DRINK a few months later.


3. LEE JEANS GIVEAWAY

In December Lee Jeans held a Giveaway via Facebook for a FREE Pair of Jeans. They gave away in the neighborhood of 150 pairs a day for most of the month.  I'm not sure what the deal was, but the Way to Enter the Giveaway changed after the Giveaway began, so Lee made a rules change on the Giveaway. This led to an unfair advantage for some entrants, so Lee declared that if you entered the contest before a certain date and time, you are an automatic winner.

This has been very confusing for the entrants and has led to a lot of hard feelings among the public.
This will cost Lee Jeans massive amounts of product and has done damage to their business's image.
And in case you are wondering, I entered but missed the cut-off under the Original Entry Rules by 45 minutes to get a free pair automatically.lol

4. BEE Md REBATE

A new cough drop product, Bee MD, offered a $1 Mail-In Rebate this year. After you paid for the postage, the ink to print the rebate form and the cost of an envelope, your gain was about 50¢. A full price rebate would have been worth sending away for, not 50¢. Thanks for nothing Bee MD! Luckily Rite-Aid offered this item as a FAR(=Free After Rebate) plus you didn't have any mailing costs associated with the rebate if you sent for it online.


5. KMart Kellogg's $5 CEREAL GIFT CARD REBATE

Back in March or April, Kmart offered a Kellogg's Cereal Catalina Deal. You had to buy 10 boxes of Cereal and submit in a rather short time frame receipts, form and 10 UPCs to qualify for a Whopping $5 Gift Card. $5....not even cash but a KMart Gift Card. Lots of product to buy and mailing costs for $5GC. Not such a great deal, but if your KMart held Double Coupon Events, you could have gotten the 10 boxes of cereal for cheaper during the DCE and saved the $5 GC to use during a subsequent DCE, it was an ok offer.


6. ConAgra "GREAT TASTE BIG SAVINGS OFFER"

Don't quite remember what I had to buy for this....5 certain items?.....but I sent away and there were no FREE Item Coupons or any Cash Rebate involved. All you got was 5 coupons for items I don't buy/use much if at all and the amounts were crappy too. Of the big corps. out there, ConAgra has not impressed me with any of their offers-EVER! Kraft, Kelloggs, Unilever offer some good ones....ConAgra, notsomuch.

ConAgra....feh!


7. The lack of FREE TURKEY DEALS at area Grocery Stores

Use to be, it was a given that once Thanksgiving time rolled around(and sometimes at Christmas too), your local grocery stores, both big and small, would offer some kind of FREE TURKEY DEAL. Either you had to spend a certain amount during a certain time period at their stores or you had to buy certain items and be a frequent/loyalty card shopper to qualify. In the last 2 years, 2 years that have seen consumers earnings fall and food prices rise significantly, these Holiday Free Turkey deals have all but vanished. Locally the best you can do is a reduced price for Turkey with a qualifying purchase at Price Chopper. The only Grocery Chain I found offering FREE TURKEY when you spent $Xs was Acme and that is NOT a local chain here. Luckily, it was also running at the same time as a Spend $30/Get $15 Catalina Deal at Acme, and since I went to Acme for that Cat Deal, I got a free turkey as well.

The WORST Thanksgiving Scheme locally was at WEIS. During the pre-Thanksgiving time period you could qualify for a % off 1 Shopping Trip. The more you spent during the qualifying time period, the larger your % off that Shopping Trip. The Shopping Trip & % off Discount had to be taken within a short time at the end of the qualifying period too. So you had to spend something like $300 on groceries and then the week after you qualified by buying $300 worth of food, you got a 5% discount on your next trip. Now, maybe it's just me, but if I have bought $300 of groceries, I really don't need A LARGE AMOUNT of food in my next shopping trip, so coincidentally, my actual savings on the 5% discount trip won't amount to very much saved. Buy $300 in food......make your discount % trip and spend $100.....get $5 whole dollars off. In the end you've spent $400 and you've saved $5....which is a Savings of only 1.25%!!! When they gave FREE TURKEYS out instead, figuring $.99 a lb. on a modest sized 18lb. turkey, you were saving $17.82 for those qualifying purchases.
Thanks for NOTHING WEIS!

Which leads us to #8 on the list....

8. The Local WEIS Grocery Store

Not only does the WEIS chain hold crappy Thanksgiving Promotions and half-hearted Catalina Deals or better yet, Catalina Deals for items when their are NO AVAILABLE COUPONS for these items, but my local WEIS store is even more stingy with savings.

In this enlightened computerized digital age, my local Weis store has an owner/manager who REFUSES to ACCEPT INTERNET PRINTED COUPONS! My guess is that since the local teeny tiny independent Grocery Store in our town also does NOT accept IP Qs that they feel they don't need to honor these valid forms of couponage either. But the head scratcher here is that 1--every other Weis store in the chain DOES accept IP Qs and 2--the WEIS Website offers printable Coupons that I can't print and use at my local WEIS location! Yes, their own website says, "Here! Have these coupons and use them at Weis." and the store management says, "NO! You can NOT use those coupons here!"

Why does WEIS Allow this store to remain part of their Chain?
Whatever.....WEIS has lost a lot of my business over this year that other Grocery Stores are more than happy to accept.

9. Local WALGREEN'S

First they did away with the Easy Saver Rebate Program mid year and as of now have NOT replaced it with anything.

My other problem with Walgreens has been 2 fold....1-having LARGE AMOUNTS of employees who do NOT know the Coupon Policy or how the REGISTER REWARDS really work. The people who run the store, the MANAGERS here on the whole, have NO CLUE how it works. The worst thing is they misinform the staff and the employees give out wrong information constantly. I have been in line and heard some of it first hand. Oh brother!lol I can guess that the arguments and embarrassment these employees cause some non-confident customers works against Walgreens profits. Some customers choose not to go back and find somewhere else to shop. I have found overall, the employees that are most likely to actually know how to take coupons properly and know how the Cats work are the full time Cashiers! They are also the only employees that are TRAINED in how to run the registers, the Managers are mostly clueless on how to operate a cash register correctly!lol

And 2-never having the Register Reward Items on the shelves. The RR item Deals run hot and cold for me....some weeks what's a deal is great and some weeks I couldn't care less about getting a deal. It really doesn't matter though since no matter what RR Deal item I want, it is always sold out. Locally, it's probably a case of too many customers wanting their deals and not enough stores to stock it. We only have 2 Wags within an hour's drive here. This area is not lousy with Walgreen's yet. I am hoping that if they have a few more stores locally, it will be easier to get in on some of their deals. Let's just hope they train their employees on how the RRs really work.


10. Local TARGET...or lack thereof

Target makes the list for basically the same reasons as Walgreens. 1--employees who are clueless on the coupon policy or even worse, employees who don't care about the coupon policy and enjoy giving people who use coupons a hard time! Now that Target has officially come out with an "In Writing" Coupon Policy it's a little easier for couponers and we don't have to stand there and let some coupon-hating cashier look down their nose at us! We can just whip out our copy of the Q Policy, look them in the eye and INSIST on our coupon discounts at the register.

2--Again, there is ONE Target here for 50 miles so unless you are there waiting in line for the doors to open on the morning a sale starts, you are SOOL on finding that deal on the shelves. I won't be held hostage like that so I generally avoid Target unless I happen to be over there. I NEVER expect to get any deal at Target so I am never dissappointed anymore when it happens.


11. TERRIBLE Coupons in Local Newspapers

Living in an area where the Marketing gods give us bad coupons or don't give us coupons at all for certain products is not something in my control. It sucks and it's something you have to find a way to work around. It causes me at times to have to spend more to buy Sunday papers from other regions or to have to spend money ordering from a clipping service or off of eBay.


12. ME+No Restraint on Which Deals I Did=Overspending & Waste

Buying things just because they are FREE or buying things for FREE or cheap to get something else for FREE has got to be my Shopping Achilles Heel. At least now I recognize this is a problem for me, so I can be aware of making better choices.
In 2010 I hope to be more aware of whether my shopping choices are wise or not.

So what do you consider the Deal Flops of 2009?
What did you buy that your regret you spent the money on now?
Leave a comment and let us know what the losers were for you.

Sluggy

Happy New Year & Welcome to 2010!


I just wanted to wish all my Readers a Happy New Year!
2010!!
Time just flies...No, it takes the Bullet Train, doesn't it?!lol


My hope for you is to achieve everything you Hope for this Year.

Don't let your failures of last year spill over into 2010.  
Remember, it's a new year and every sunrise brings a new day, ready for you to write your life upon it!
No regrets.
No bringing the old unproductive thoughts into your daily fresh start.
Only bring the positive energies to write upon your clean slate.
Move forward in your life.

And make your life the best you can envision for it!


And for all my fellow Couponers....

May all your cashiers be coupon-friendly, all your coupon inserts be filled to brimming with only GOOD coupons, and may plenty of stock be left on the shelves when you go to do your Deals!


Sluggy