Friday Randomness with Sluggy

 Here are some things fermenting in my wacky brain lately....

**Have you noticed the escalating price of bacon lately?  I hit a rather decent sales/coupons double out of the ballpark about 5 months ago so I haven't really checked in on the current going price for that porky goodness since early last Spring.
Since our supply is almost gone, I started last week to take note of the market price for bacon.
And let me say for the record....that shits gone way up!!  Regular retail here for $5 to $6 a PACKAGE!
Great Googley Moogley!!
I paid $1.00 a package the last time I stocked up and it was an amazing $2.00 straight sale price without a coupon then.
I might have to start trolling the local animal shelters for abandoned pot bellied pigs to bring home and fatten up.....ok, not really but I *did* consider that for a few moments. ;-)

**I took SonyaAnn's ADVICE and cashed out my credit card Rewards for Christmas gift cards the other day.  I have 8 gift cards winging their way to me in time for Holiday giving.  I have to dig out my gift stash and figure what more I still have to acquire/make.  I'll probably do that next week or this weekend.  I want to have everything in process or done by Thanksgiving so I only have to darken a stores door for food between Black Friday and New Year's Day.
Not to freak anyone out or anything but there are only 70 Shopping Days left Until Christmas......

**This is a photo of part of our high school's Marching Band taken 3 weeks ago.
The kid in the center playing the flute is my son.
I do think it's time for a haircut.....

**Have you noticed that Outlet Malls are no longer the place to get a deal?
Ok....maybe sometimes they are.....but over the past few years outlet malls have really become just another excuse to throw up a shopping mall somewhere and sell regularly priced stuff.  I am old enough to remember when an outlet 'store' meant it was located in the geographic area of it's manufacturing mill and carried overruns, imperfects, seconds, etc. and you could buy them at a deep discount off of the regularly priced perfects that got shipped to the regular stores.  My mom and I use to take trips to Lightfoot VA to snag deals at the Williamsburg Pottery Factory when I was growing up.  Good times.....
Somewhere about 1978 though they began renting out space there(after they over expanded and the economy tanked a bit)directly to the manufacturers they had previously bought outlet bound stuff from and resold.  Other real outlet stores followed suite.  That's when it all went downhill for the deals in my humble opinion.  The manufacturers began stocking/running their own outlets.  Seeing how successful this model was, developers began building outlet malls so you could go to one place and get deals from many different brands without traveling far.  And they located them in touristy areas to generate more revenue.  Then they started offering regular mall bound merchandise or lines created just to sell in the outlets, which raised all the prices and just bastardized the whole original concept and made outlet stores/malls mostly crap in my opinion.

The point was illustrated clearly this past week on our trip to Ocean City.  We stopped in Rehobeth Delaware at the Tanger Outlets to do some clothes/shoe shopping.  While Hubs got some deals on shoes at Rack Room shoes and I picked up a pair of Chuck Taylors for Daughter for less than full retail, no deals were to be found at the supposed Under Armor outlet store.

#2 son wanted a basic black shirt to wear under his Marching Band uniform so we went looking. Everything in that store was full retail price, unless you wanted some boys sized shirts(that were STILL $20!) or some hideously ugly pieces I wouldn't buy at a thrift store for a fraction of the price they were charging.

**I mentioned awhile back about a relative who was having a financial crisis, and that I was helping them with a plan to get them "out of the weeds", as they say in golf.....not that I play golf or anything....
I am so happy to hear that they got through September and have taken the budgeting info. and embraced it, tweeking it and making it their own.  Hopefully, they should be able to get through the next few years until their situation is scheduled to improve.

**One of the Deal Blogs(sorry, can't remember which one)had something posted Sunday about a 10-10-10 sale on 6pm, the dotcom shoe/clothing store.  Big clearance sale where everything was $10!
Luckily we have some oddball sized feet in this house, so I was able to find 9 pairs of shoes we could use...woohoo!
I am not a big fan of buying shoes online since you can't try them on, but I figured for $10 I'd take some calculated risks on styles/sizes and if some don't fit right, I can pass brand new shoes along for Christmas to friends, other family members, the local Christmas charity program or make a thrift store donation.

#2 son is a skateboarder.  He goes through shoes quickly.  He lusts after expensive skaterboarding branded shoes.  I found one of these brands in this clearance sale for $10 a pr.  Reg. retail of $65 a pr.  I bought 5 pairs(in 3 sizes) for less than what 1 pair would cost me at the mall store(not that I'd every buy them there for full retail). lolol

The downside.....now my bedroom closet looks like the storeroom in a shoe warehouse.

Anybody seen my shoe horn?

Sluggy

LAST CHANCE to Enter My Giveaway....HURRY ends Tonight!

Ok, the Title said it all actually.lol

The Boring Blog Box Giveaway ends this evening at Friday, Oct. 15th at 11:59pm Eastern time(10:59 for you Central time folks, etc.).
So if you haven't entered yet or used up all 3 of your Entry Options, go HERE now and enter!


There are only 39 valid entries so far so your chances are good.....

Sluggy

Be Prepared for Unemployment.....Have a Plan to Reduce Spending

Do you see it?
Over there, in the corner.....that quite large pachyderm?
The elephant called Economic Recession.
Even when no one is talking about it, it's presence is always felt.  I see less people in the stores buying. More 'for sale' signs going up on people's houses and condos.   Fewer car lots still open.  Restaurants closing up.

In these uncertain economic times, it is wise to have a plan to reduce your expenses if income loss ever happens to you.
Unemployment percentages and lay-offs are at record highs for this generation.  While your job may be a sure thing today, no one knows what tomorrow may bring.  Don't be blindsided when and if a loss of employment and income happens to you!
This is especially important if your household runs on one income and not two.  If that one income leaves, you don't have the safety net of that second source of money.

Plan Ahead When Your Income is Good
Even before the thought of a job loss there are two things you should be working on well before you encounter an economic crisis--paying off/down debt and piling up cash.
If you have debt(anything except a mortgage)get serious on paying off that debt.  That's a good plan no matter the economy or your income!  The less bills you have sucking your limited income up in unemployment, the better.  And make sure you have a hefty Emergency Fund. This would be a pile of money in an account somewhere(heck, even in a coffee can buried in your backyard!)that you can use to cover expenses if you ever lose your source of income until you go back to work. 
When unemployment happens, the better shape your finances are in the better you can ride out the "laid-off storm". 

Have a Plan to Reduce Expenses
Beyond eliminating/reducing debt, make an emergency budget plan for your family.   When a job loss strikes, you need to take immediate steps to reduce your spending and preserve what money you have and make it last until the paychecks come rolling in again.

That point was brought home this week in my family.  Hubs came home with glum news that his company, which had let go a handful of employees last month, was about to announce a much larger round of lay-offs that would affect many areas of the business.

Hubs is fairly certain that he isn't at any risk of losing his job at this point.  But the facts are that A--many companies are "lay-off happy" lately,  and B--that he is nearing retirement age and C-- that he has a larger than some at his level salary due to his many years of service.
These 3 things may put him in the "firing squad's" crosshairs in the future.

So in my copious free time....lol....I sat down earlier this week and contemplated a "Lay-Off" Budget for my family...just in case it's ever needed.

While we are pretty frugal here already and have no debt currently and live on a budget, there are 'wants' we can cut and 'needs' we can reduce if we had to. 

Here is my list of what I'd change in my budget if a job loss happened tomorrow.

*Cable TV--Since we have a bundled service that includes high-speed internet too, we would shop around to either unbundle and drop cable altogether or reduce the cable component to bare bones.  We could realize a small savings doing this.  While not a 'need', Internet is the one thing that would go as a last resort, but for now it would stay.
Potential savings of $50 a month.

*Telephones--We don't pay for our kids cell phones and never have.  If they want one, they find the money through work or allowance to pay for it so we can't save anything there.  But we do have 2 pay-as-you-go cell phones between Hubs and myself, as well as a landline.  We would drop the landline as I have a long distance pay-per-month plan on my cell.  With #1 son away at school, some form of long distance service is a need.  Dropping the landline would save us approx. $30 a month.

*Eating Out--This would be stopped immediately....ALL OF IT!  While we would probably save $200 a month here(between the dinners out, the fast food for #2 son, and the hot school lunches) we would probably spend more on groceries to make up for it so I'm saying a savings of approx. $150 per month.

*Entertainment--This item could also be eliminated from our budget.  We can find free things to do to amuse ourselves if there is a personal financial crisis. Savings of approx. $25 a month.  Yes, we are TOTAL Party Animals anyway, huh?! lolol

*Groceries & Toiletries--While I spend basically zero on toiletries now anyway, I could cut some fat from the food budget.  I'd plan more meatless meals and try to reduce grocery expenses by using cheaper ingredients, much to the chagrin of Hubs.  Daughter gets free food at her current job so those nights would help because I don't have to feed her. If the cost cutting had to be extended for a long period of time, I'd expand the size of the garden next Spring, in order to grow more of our own produce, which would bring down grocery costs over the course of the year.  Short term, we could cut to a $150 a month food budget for a reduction of $50 to $100 a month as I spend $250 now.

*Laundry--Once I run out of almost free detergent, I'd make my own to save money. I'd wash only in cold water(I do use warm water some loads now).  I'd figure out a way to string clotheslines somewhere in the house or garage to dry clothes in the winter so no using the dryer at all.  Not sure how much that would save but it would be something.
Potential savings of  $15 a month.

*Water Usage--I'd set a stricter limit of the teens shower lengths.  Maybe a timer with a loud bell to get them out of the shower faster.  If this period stretched into next year, we'd not open the pool, as it is a water hog.
We would also utilize rain barrels(if we could source them for cheap)to water the garden next year.
 Potential savings of $10 a month.

*Electricity--We would eat down the freezer and then unplug it and make due without stockpiling the bulk of our frozen foods.  We would still have the small freezer compartment over the fridge and the makeshift root cellar in the garage(during cold weather).  Light bulbs would be replaced with lower wattage models.  Some bulbs would be removed if the area only needs 'mood' lighting and not task lighting.  I'd get all up in the teens faces more when they leave on lights and the tv when they leave a room......the teens would add that I couldn't possibly get more up in their faces about this. ;-)
Potential savings of $8 a month.

*Heating/Cooling--By far the largest component of our Electric bill.  Turning down the thermostats another degree or two in the cold weather and make everyone bundle up more.  I'd also add insulation by jerry-rigging heavy drapes or quilts over the back windows in the house.  The back of the house gets the evening sun only so they are pretty useless for passive solar efforts, so I'd cover them with padded fabric to retain heat.  Any of those rooms that I need sunlight in during the day for illumination, I'd made the drape removable.  In terms of cooling/air conditioning, we only have window a/c units now and I don't find we need the a/c very often.  I attempt now to keep the units off and utilize the ceiling fans as much as possible in the hot weather.  The a/c would be used for emergencies only.
Summer months savings of $15 a month, Winter months savings of $50 a month.

*Home/Car Insurance--We would revisit our policies and see if there was a way to cut the premiums down without putting anything at risk with this coverage.  The car insurance on the car for the teens use would either be discontinued(and they would drive my car when needed)or they would be asked to help pay for that part of the insurance from their part time jobs.
Potential savings of $80 a month.

Miscellaneous Expenses--Mostly this includes things Hubs spends on with the cash he withdraws every month(except what he spends on eating out and gasoline)...food at work(which he would no longer need to spend), dry cleaning(which he would no longer need to spend), coffee on the way to work(ditto), other incidentals and WAM(walking around money).  It's hard to know for sure but I think this could be a $100 a month savings if he didn't need to spend for these items.

With just these items, we could potentially reduce our expenses between an additional $528 to $613 per month!

With the small amount of money we spend compared to many people I know, I am floored at how much I could still pull out of the budget if I had to!  Yes, doing some of it would inconvenience us and would impact the lifestyle we are used to, but I feel all of this is still highly do-able and wouldn't cause undue strain on anyone in our family.
The teens would probably disagree vehemently with me though.... ;-)

So this Emergency Budget would be my first step if Hubs ever comes home with 'the bad news'.   I feel a sense of relief just having something written up.  I know what to do now instead of panicking!

Have you thought about making an Emergency Spending Plan with your partner?
I highly recommend having some idea of how to proceed, in writing, if the unemployment blues land on your doorstep.  Having a plan beforehand is key to surviving periods of economic distress.

Sluggy

Winding Down the Gardening.....Still Picking Though!

Monday I finally picked the squash in the front garden bed.
Let me rephrase that....I picked the squash on the lawn in front of the front garden bed.
The squash that had been swallowed up by the TALL GRASS under the squash vines that stretched out onto the lawn in front of the front garden bed.
The tall grass that was so dense you couldn't see the squash.
The tall grass that grew so dense since we couldn't move the squash nor mow under it for the last 6 weeks or so.
I'm so glad I don't live next door to ANNIE JONES or I'd have gotten a notice from the city for my patches of grass forest dotting my front lawn. j/k  ;-)

Anyway, here's what I hacked off the vines before I ripped them up and let #2 son have at it with the front lawn....

Note the lone pepper too.
There is one more Butternut Squash to pick out in the barrel planter....well, the plant is in the barrel, the squash is in the back garden bed next to it.

Things are winding down in the garden quickly now.  Not much left to harvest.
Though I still have collards, more peppers and tomatoes to pick.  The jalapeno peppers keep on coming....

And there is this.....

A baby eggplant.....finally!
We put these plants in the beginning of June and they sat and did nothing.....and the baby bunny rabbit ravaged their leaves and we thought the sticks he left would die in July......and they didn't and grew new foliage later in July and continued to do no growing in Aug. and most of Sept.....and then they grew flowers and bloomed in late Sept. and one bloom grew a teeny tiny 1.5 inch eggplant.
So I have a mission now.
To construct a teeny tiny hoop house/transparent plastic covering to try and coax this plant to live long enough past the frost to get this eggplant to grow big enough to eat.
Stay tuned.......

This Harvest----
Peppers--2.9oz.
Squash--10 lbs. 5.4 oz.

TOTAL....10 lbs.  8.3oz.
Garden Harvest Weight Total to date....87 lbs.  11.02 oz.

Sluggy

Rite-Aid on Sunday...turning +Ups into SCRs

Speaking of Rite-Aid, I just realized that they haven't done a Fall Gift of Savings Deal this year.  Hmmm....I wonder if they will be a Holiday Gift of Savings Promotion either during the Winter Holidays?
I will miss them. 8-(

Here's what I brought home on Sunday from Rite-Aid.....

4 x Sunday papers $.99=$3.96 *Not pictured*
2 x Airwick Freshmatic Air Fresheners 50% off($4.99)=$9.98
1 x Comtrex on sale=$3.99
1 x Nasogel on sale=$5.99
1 x Udderly Smooth Cream w/wellness 20% disc.=$1.83
SubTotal....$25.75

Coupons Used
1 x $5 off $25 IPQ=$5.00
2 x $4/1 Airwick Freshmatic ManuQ=$8.00
1 x $2/1 Nasogel IPQ=$2.00
1 x $1/$10 Household Cleaners=$1.00  The cashier/MOD said ok.lol
Coupon Total....$16.00

$25.75-$16.00=$9.75
Used $8.99 in +Ups...$9.75-$8.99=$.74 OOP put on Rite-Aid gift card

Earned $2 in +Up Rewards(2 x $1 for the Airwick Fresheners)=$2 +Ups
Earned $9.98 in SCRebates for Nasogel($5.99), Comtrex($3.99)
The Udderly Lotion was the wrong size/price that printed $1 +Ups....rats.  They didn't have any of the correct size/price in the store.

I sat in my car and clipped my Gain coupons from the papers I bought and went back in and got this stuff....

2 x Airwick Freshmatic Air Fresheners 50% off($4.99)=$9.98
1 x Comtrex on sale=$3.99
1 x Nasogel on sale=$5.99
4 x Gain Dish Soap on sale $.89=$3.56
2 x Hall's Cough Drops on sale $.99=$1.98
SubTotal....$25.50

Coupons Used
1 x $5 off $25 IPQ=$5.00
2 x $4/1 Airwick Freshmatic ManuQ=$8.00
1 x $1/1 Airwick AdPerks/VV IPQ=$1.00
1 x $2/1 Nasogel IPQ=$2.00
4 x $1/1 Gain Dish Soap ManuQ=$4.00*
1 x $1/2 Hall's Drops ManuQ=$1.00
1 x $.50/1 Halls Drops AdPerks/VV IPQ=$.50
1 x $1/$10 Household Cleaners=$1.00  The cashier/MOD said ok.lol
1 x $1/$10 Cold, Cough Meds=$1.00  The cashier/MOD said ok and I forgot to use one on the first transaction.
Coupon Total....$23.50

$25.50-$23.50=$2.00
Used $1.99 in +Ups...$2.00=$1.99=$.01 OOP put on Rite-Aid gift card

Earned $2 in +Up Rewards(2 x $1 for the Airwick Fresheners)=$2 +Ups
Earned $9.98 in SCRebates for Nasogel($5.99), Comtrex($3.99)

*These Gain coupons do NOT beep even though they are $1/1 and over the $.89 sale price of the product.


THESE TRIPS Total Spent....$.75(put on free Rite-Aid gift card)
Value of Items....$86.15
SCR qualified for...$19.96
Gift Cards earned....$0.00
+Up Rewards earned...$4.00
+Up Rewards spent...$10.98
This trip was a net loss of $6.98 in +Ups & profit of $19.96in SCRS, so a profit of $12.96 in the end.

GRAND TOTALS so far-October Rebate Period

Number of Transactions......8
Total Spent....$2.70 put on free Gift Cards/Certificates so ZERO OOP
Value of Items purchased....$309.01
SCR qualified for....$29.96
Other Cash....$0
Additional Non-Cash Rewards....$0

+UPS Totals for Oct. SCR Period
+Up Rewards carryover from last trip....$22.48
+Up Rewards spent....$10.98
+Up Rewards earned....$4.00
+Up Rewards left....$15.50

Sluggy