Friday, July 2, 2010

The Last of the Rite-Aid Trips for this Week

 I had $5 off $25 coupons that were expiring on June 30th so I made 4 more trips to Rite-Aid earlier this week to use them up.


2 x Stayfree pads
1 x Coppertone Sun Screen
1 x Veet hair remover
1 x small Aveeno Lotion
1 x Venus razors

Total OOP after coupons/sales/+Ups....$.68 put on a gift card
$11.34 more toward the Skin Care SCR#555
SCR earned....$2 for Venus razors on BIL's account
+Ups earned....$2 for the Venus razors



1 x Tresemme
2 x Coppertone Sun Screen
2 x Carefree liners
2 x Folger's coffee
2 x Mounds candy bars

Total OOP after coupons/sales/+Ups....$.85 put on a gift card
$16.38 more toward the Skin Care SCR#555
+Ups earned....$1 for Tresemme


2 x Huggies diapers
1 x Tresemme
1 x Veet
1 x small Aveeno lotion
1 x Sure deodorant

Total OOP after coupons/sales/+Ups....$.40 put on a gift card
+Ups earned....$1 for Tresemme
SCR earned....$1 for Sure, $2 for Huggies & 1 package of FREE Diapers(for buying 5 packs over the last couple of months-I bought 3 packs in June on that receipt I forgot about I talked about in an earlier post.).

2 x Welch's juice
2 x Dr. Pepper soda(the cashier forgot to put 1 of them in my bag).
2 x Folger's coffee
1 x Sure deodorant
1 x Veet
1 x small Aveeno lotion

Total OOP after coupons/sales/+Ups....$.59 put on a gift card
$11.34 more toward the Skin Care SCR#555
SCR earned....$1 for Sure on BIL's account
The Sure deodorants also have a TRY ME FREE rebate on them.   After Wellness discount I 'paid' $2.63 each(before coupons), so I can submit for a rebate for myself and the BIL, bringing my additional rebates to $5.26.

4 transactions
$2.52 'spent' put on free gift cards
SCRs=$6 + free diapers + $25 skin care gift card & bonus $5 gift card
$5.26 in additional cash rebates(Sure deos)


MONTHLY TOTALS-JULY Rebate Period

Number of Transactions......8
Total Spent....$6.64--all put on free Gift Cards/Certificates 
Value of Items purchased....$319.40
SCR qualified for....$21.98 in cash and $30 in Gift Cards & free diapers
Other Cash....$5.26
Additional Non-Cash Rewards....$0
+Up Rewards earned=$12.00

Total Cash I'm getting Back=$21.98
Total Gift Cards I'm getting=$25
+Up Rewards left to spend=$5.00


Sluggy

Thursday, July 1, 2010

$30K Savings Challenge JUNE 2010 Totals.....Treading Water this Month!

I have posted my JUNE End of Month $30K $AVING$ CHALLENGE Totals.
Check out the side bar to your right for the specific numbers.

I have to report that we finished up June in the black....just BARELY!

The extra cash amount we ended the month of June with was.......$547.73.

Income
We had $260.53 left over of DH's salary after expenses were deducted. Add in some rolled coins amounting to $10.50, $44.00 in Rebates &, along with a $276.70 business expense voucher for Hubs and you have a deposit of $547.73 toward the Savings Challenge!

Seeing as our monthly target is $2,500.00 to reach our Year End Goal, we are waaaaay short again this month.

Outgo
As for the expenses in June.....it was our most expensive month so far this year!

The water bill almost doubled(extra showers/laundry/dishes for extra people here + the pool) and the electric bill went up about $12(extra hot June=a/c on a few days).

 The credit card bill(paid off each month)was over $1700. 
$750 of that was a car repair & car related expenses(besides gas). 
$200 of the $1700 was pool chemicals & $120 for assorted teens' clothing needs. 
$70 went for Hubs internet chess club dues.  
The rest was gas and some eating out charges and was within our normal range of expenses.

Out-of-the-ordinary expenses in June besides the CC Bill ones.....
There were people Dr. visits and follow-up dog Dr. visits for assorted people and dogs here, respectively.
There was another car repair to the tune of $775+. 
And then there was the camp payment for #2 son....2 weeks of fun doesn't come cheap at $945.
So basically we had $2600+/- in out-of-the-ordinary expenses this month.


The Food Budget costs for June are in another post, which is located HERE.  Food/Toiletries spending in June was $77.26 under the budgeted $250.00 amount and our Savings percentage was 89.30% which is awesome.

Looking Ahead to July....
I'll only be feeding 3 people for most of this month & the garden should start producing, so I am hoping for lower food spending.
The Credit Card bill is at $400 for the next statement period with 9 days left until it closes.  I'm hoping we can keep it around $500 and only put some gas purchases on it.
We'll try to lower the electric usage.  I don't have high hopes for containing the water costs since the pool is in operation.

I am determined to get through July frugally(barely some financial emergency)with only 1 child at home and to meet our monthly goal of $2,500 saved this month.

YTD Standings....
We have a Year To Date Total of $16,621.47 in Savings.  To save $30K for the year, we need to put away $2,500 per month average.  With our expensive June, we are now just barely ahead of schedule at this point in the year.

So how was your June 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!
If you posted your financial progress on your own blog, leave a link in the comments so we can go check you out too!


Sluggy

JUNE Budget Results......Food & Toiletries Spending



Here are my FOOD BUDGET spending totals for JUNE 2010.
I am listing subtotals for each store I purchased from in June.
These Totals include Food, Toiletries/HBA, Pet Supplies, Cleaning Products, Paper Goods & tax where applicable.We are a family of 5(between 5 & 2 at home this month) & 3 dogs. No kids under 14.

BAKERY OUTLET
OOP $1.99
Value $8.97
Savings  77.81%

BOYER'S(small independent store in neighboring town)
OOP $7.36
Qs/Ads $20.95
Value $28.31
Savings  74%

CARONE'S(small local independent store)
OOP $75.33
Qs/Ads $44.91
Value $120.24
Savings  37.35%

PRODUCE MARKET
OOP  $11.68
Value  $28.37
Savings  58.83%

RITE AID
OOP $39.42 (whole amount put on Rite-Aid Gift Cards)=$.00 actual OOP
Qs/Ads $950.69
Value $990.11
Savings 96.02% before gift cards/ 100% savings after gift cards

WEIS (local chain Grocery store that doesn't take IP Qs in my town)
OOP $76.38
Qs/Ads $121.93
Value $198.31
Savings  61.50%

I don't 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' & will go into the Food/Toiletries budget, 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 JUNE
Hood Milk....$5.00
Pinecone Research....$3.00
Rite-Aid SCR....$36.00
Subtotal........$44.00

GIFT CARDS and CERTIFICATES
Rite-Aid Allergy SCR $25 Gift Card
Rite-Aid P&G $35 Prepaid Visa Card
Rite-Aid Allergy $20 Gift Certificates x 2=$40
Subtotal....$100.00

TOTAL Value of Cash/Store Checks/Gift Card Rebates Received..$144.00

FREE ITEMS
Dole Free Fruit Cup Packs x 4
Juicy Juice 
Hershey's Chocolate Milk single bottle
McCormick Spice Pack
Pantene Shampoo Samples

COUPONS
$.75/1 Juicy Juice
Various Pantene Coupons(Vocalpoint)

My best 3 Store Savings Totals were from Rite-Aid at 100%, Boyer's  at 77.81% and the Bakery Outlet at 74%.

TOTAL Out of Pocket...............................$172.74
TOTAL Coupons & Store Sales Savings...$1201.57
TOTAL Value of Items Purchased.............$1374.31
TOTAL Savings of..........87.44%

TOTAL of CASH Rebates........................$44.00
TOTAL OOP After  Rebates....................$128.74
TOTAL Savings of..................................89.30%

This closes out the June spending.

THOUGHTS & COMMENTS for this month-
I stayed under my $250 budgeted amount....even before rebates, I was $77.26 under.  I didn't do much stocking up at all.

What's ahead for July 2010.....

The July 2010 Food/Toiletries Budget is set at $200 cash out of pocket since we will only be feeding 3 for the entire month of July.  Depending on how many times I will be feeding the neighborhood kids and the local relatives when they drop by, expenses could change but this should be enough to cover us for July unless I find some great 'stock-up'ortunities.  I reserve the right to go over budget for those..... ;-)

Any rebates received this month will be added to the food budget spending.  I'm hoping this rebate money will cover any stocking up I do so I can stick to that $200 figure.

With half of the year behind us, we have averaged $165.56 per MONTH after rebates on food/toiletries spending for 2010 for a family of 4-5 adults/teens.

How did you do in June 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


JUNE Food Stamp Challenge......Things I've Learned

*This post is part of the June Food Stamp Challenge which is located over HERE.*


My Final Thoughts on the JFSC.....

The past 30 days have been challenging.
Not so challenging personally in trying to stay within a $373.70 food budget for the month.
I keep myself on a rather tight food budget and lay my purchases out for inspection online and blog about being frugal throughout the year.

I did however, feel added pressure to stay within that arbitrary amount.  Since we don't depend on EBT to eat here(not that that couldn't change in a heartbeat tho!)staying within that budget wasn't a life or death situation.  If you really are on food stamps, there are real consequences to running out of benefits & not having enough to eat.
Imagine if when my allotted food budget money ran out it Really ran out!  That thought was in the back of my mind all month.

I realized that I am lucky in that I don't have a spouse or significant other torpedoing my efforts to live within a food budget.
1-I have a Hubs would loves to eat leftovers.
2-I have a Hubs who is more than happy to leave all the decisions about meal planning & food shopping to me.
Not everyone is this lucky.  Many have their spouse or SO or even their kids with their hands on the helm of this food ship too.  This can mean they are going out and spending precious food dollars on sodas or other junk foods or buying expensive meats or already-made convenience foods.  Or they are refusing to eat meals that get prepared and then place a call to Domino's for a 'cardboard w/sauce' pie at 4 times the cost of a homemade pizza.  Just 1 week of that kind of thing can lead any food budget commander spiraling down into a deep budgeting dispair!

I also am a "seasoned" cook who doesn't have to rely on pre-made, heat & eat or convenience foods to feed her family.  While I'm not a gourmet cook, I can make just about anything the family would care to eat.  Being able to cook-from-scratch a wide variety of dishes means for the most part, I can keep my costs down because I don't have to buy pricier convenience foods &  no one here gets bored with the offerings and resorts to buying take-out on a regular basis.

I am also blessed in that I have the extra storage space in my home to shop when food items are at a rock bottom price.  I can stockpile shelf stable items as well as those needing freezing temps. until the cows come home.  Not having to pay full retail price at the grocery store makes my food dollars stretch much further than someone who has little or no space to store food.

But I have learned some things along the way that I'd like to share with you all.

On the History....
The food stamp program did NOT begin as an altruistic crusade by your government to help it's citizens...it was an idea to help food producers and manufacturers.
The forerunner of the food stamp program ran from 1939-1943 at the tail end of the Great Depression.  It was different in that people purchased stamps, so it was more of a discount program giving you 100% more purchasing power for your dollars and ANYONE could participate!  It was brought about in part to use up surplus supplies of certain foods during a time of economic need and ended when the surpluses and the unemployment stats dwindled.

Though the Eisenhower administration possessed the legislation for a food stamp program,  it never enacted it in the late 1950's.  The Kennedy administration did and began the pilot program to fulfill a campaign promise.  The having to purchase certain surplus foods component was dropped but participants still had to pay for the food stamps so it was still a discount program only.

The food stamp program didn't become permanent until 1964, under Lyndon Johnson.  Shortly after, the program began to focus more extending it's benefits to the neediest citizens.
The purchasing requirement went away in 1977, meaning that this is when food stamps truly became 'charity'.

There have been many changes to the system since the 1960's, both good and not-so good.  Today, calculating who is eligible and how much someone gets is convoluted and difficult to follow for someone who doesn't work in that system.  It was so hard just trying to make heads or tails of what I was reading that it frankly made my head hurt.  I do feel that there is a lot of bloat in the system and a simplified and streamlined program would go a long way to giving more equitable benefits to all who are in need as well as save a hefty amount of tax dollars in administering the program.

On Food Access....
Being on Food Stamps can limit your shopping options.

The first thing I became cognizant of in the past 30 days has been how finding sources from which to buy food using EBT can be difficult.  I generally utilize many resources available to me from which to purchase groceries.  I frequent not just grocery and drug stores, but bakery outlets, discount stores, in addition to farm stands, and farmer's markets in season.
While I don't use convenience stores, those are yet another source of groceries....albeit a higher priced(dare I say usury price?)option for purchasing food.
Not every food store source accepts EBT/Food Stamps.  Not only does a store have to qualify to participate in this federal program but the store has to feel that accepting EBT will be in their bottom line's best interest to jump through those government hoops.

Limited personal resources can limit your access to food.
I live in a small town outside of a major metro area in PA.  We have limited grocery purchasing sources in my small town.  There are a wider array of sources down in the city.  While public transportation is regular and available in the city, it's practically nonexistent here.  Someone on EBT in my town would have a rough time sourcing food stores locally unless they lived close enough to walk or bike and not at all the sources in the city if they relied on mass transit.  Unless you are disabled or elderly and qualify to use the county's aging dept. bus you would have to have access to a car(either your own or your friend's)to get to the store.  There are taxis but the cost would be out of most EBT users' league.
I am blessed in that I have access to a vehicle so I can go to wherever I need to for food.

On The Numbers...
Did you know that over half(61% as of this writing)of the population in the USA on Food Stamps are women and children?  Only 9% of the recipients are elderly.

The people who require the best and most nutritious food we can source--our children--are in large part not getting it because of financial reasons and require help from the federal government.  Isn't that sad....that the adults caring for and responsible for our nation's future generation are unable to feed them?!

I suspect that many of these households with children are headed by single parents who either are unable to work due to caring fulltime for these children or are disabled in some way.  And the ones who can/do work must pay childcare costs to another while they are at their jobs, which again, is an added expense along with the usual rent, utilities, other payments and groceries.  The food budget is usually the only area where a parent can exercise any kind of discretion over the spending once you are living a bare bones existence.  The landlord or mortgage company wants their FULL amount due so after that's paid you may have to buy the boxed mac and cheese for 30¢ instead of the organic pasta and real cheese for $1.50 to make your own.

Now I am NOT going to get into a political/social debate about having children you can't afford or having children while you are in an unstable marriage or unmarried.  I am sure there are numbers of people in these situations in that 61% figure.  But I am equally sure that there are moms & dads who weren't always single parents, as well as couples with children who work hard and also can't afford to feed themselves w/out the government's help due to financial setbacks, bad planning, poor education, or unexpected or catastrophic health issues.  The old saying, "There but for the grace of God, go I" should remind you that no matter what your economic, health or social status, YOUR circumstances could change in the blink of an eye.
So the next time you find yourself in line at the grocery store behind that person using a EBT card to pay for their food and you are looking down your nose at them, remember that YOU might end up standing in their shoes someday, no matter how fortunate your circumstance today.

Sluggy

JUNE Food Stamp Challenge....Final Numbers

 *This post is part of the June Food Stamp Challenge which is located over HERE.*

To being with, the last 3 days(the 28th-30th) meals were.....
Monday....breakfast-oatmeal/lunch-leftover potato salad & romaine salad/dinner-soup & fried squash
Tuesday....breakfast-cantaloupe & tea/lunch-raw carrots & celery w/dressing/dinner-Turkey Club Sandwiches w/leftover pasta salad
Wednesday....breakfast-a bagel/lunch-way old leftover bbq pork and coleslaw on leftover roll/dinner-clam chowder & garlic bread

Additional cost of foods bought before June....$1.55.

When I dragged out my grocery receipts to do my usual end of the month blog post about my food spending for June I discovered I had gone to the grocery store on June 1st but my JFSC total doesn't reflect that spending.  The total was $14.50.
So my last spending addition for the JFSC amounts to $16.05.

June Food Stamp Challenge Totals
Starting Food Budget...$373.70
Spent....$315.98
June Food Budget Left....$57.72
Days of Challenge Left....00


Next week, I'll get together a donation from my stockpile and take that along with a check for $100.00 up to the local food bank. (I've added the extra $42 to atone for our eating out goof-ups during the month.)

Part II to follow momentarily....

Sluggy