Wednesday, January 5, 2011

2010 Hopes/Goals.....How We Did, or Didn't Do


Today I'm revisiting my List of Hopes we wanted to accomplish in 2010 and see how we did, or didn't do. ;-)


1. Put more money into savings than was put away in 2009.
--$23,865.36 was banked in 2009. I will be shooting for $30.000 in 2010, barring any unforeseen personal economic crisises. 
PASS
We put $34,000 into savings in 2010.

2. Pare down the stuff I need to eBay by sending more of it to the Thrift Store or sell it on Craigslist.
--Get off my rump and get stuff SOLD! And what I can't readily sell, send it off to a Thrift Store. I have had enough of boxes of crap hanging around my living room. It's time to actually USE that room in the manner it was intended.
SORT OF PASS
I thrifted alot of stuff earlier in the year but my efforts waned by August.
I sold things on eBay in April and May.
I had wanted to jump back onto eBay in September but things being what they were, I didn't get around to selling there until November.  Considering the economic climate I still think I had a fairly good month+ of selling.  I just wish I had been more organized and had more things to offer during the busy season. 
I was able to sell 154 items on eBay and 1 item on Amazon in 2010.
I'll update when I have the total value of non-food donated items to charity later this month.

3. Get rid of my last storage unit!
--This goes hand in hand with #2 above. If all the crap goes, I won't need to pay for a storage unit any longer. I went from 2 to 1 units last year. It is time to let this one go as well.
FAIL
Because of the lack of decluttering/Sallie-ing the latter half of the year and my shortened selling season on eBay, this goal is not happening now.  
I have, however, made progress here but I still consider it a fail.

4. Plan and implement my garden better so I have a chance for it to be more productive this summer.
--Last year's garden was lame. I need to be more proactive and get things planned and going earlier this year for it to be successful. Every bit of work you put into a garden will pay dividends in increased health from eating better and money saved on food spending.
PASS
Though I could have done even more, I am happy with the garden's outcome!

5. Do the taxes and complete paperwork for #1 son's schooling.
--This will be the first Hope accomplished as is needs to be completed by mid February. It could also be a big PITA as we have added tax implications for 2009 due to an estate/inheritance issue.
PASS
All the paperwork was completed in a timely fashion.  Geez, I hate paperwork....

6. Decide on and install a hew heating system for the house before the rate cap expires and heat is needed this fall.

--This one is VITAL and it must be completed by September!
FAIL...sort of
After sitting down with Hubs and realizing that we may be living here only 3.5 more years,  replacing our current system with a geothermal one would not be cost effective.  It would bring down the monthly heating costs but we wouldn't be living here long enough to negate the initial purchasing and installation costs of the system.
We are continuing to get by with our current system and looking into lower cost alternatives to install before we move.
So this isn't really a Fail, more of a "Removed as a Hope/Goal.
 

7. Rethink how and how much I coupon/rebate and reorganize my freezer/pantry/stockpile.
--With my 1st year of extreme couponing and stockpiling over, now is the time to step back and see what I did well, what I need to improve upon and what needs to go.
SORT OF PASS
I cut way back on the couponing, both as a conscious decision on my part and also due to the amount/lack thereof, of coupons available.   Less food was bought and stockpiled overall.  The stockpile was revamped and reorganized, though lately the stockpile maintenance has been neglected.

8. Continue to meal plan and retool our diet, including cooking for scratch/semi-homemade.
--This will involve making better choices with food, will depend partly on how successful #4 is, and will require all of us to change some old habits. It's probably going to be the most difficult Hope to accomplish.
PASS
Meal planning became automatic for me this year and making foods/dishes from scratch was done overall, I'd say 65% of the time.  Even Hubs remarked that there seemed to him to be far less convenience foods in the house....this was usually said in a tone of consternation when I wasn't feeling well enough to cook and he had to come up with a dinner and prepare it himself.lolol

9. Decide on and complete 1 major house remodel project.
--Once we decide what it will be, it's just a matter of pulling the trigger on the job, as the money is there waiting to be spent thanks to our savings challenge of 2009.
FAIL
Well the cash is STILL sitting there....waiting.
With everything else going on this year, we didn't come to a concensus and "pull that trigger" yet.  We thought this would go hand-in-hand with the Replace the Heating System Hope/Goal but when that Hope fell away as necessary, we were left adrift on this dingy of Hope.

10. Complete all the unfinished craft and sewing projects!!
--This Hope is my own personal one that doesn't involve any other family members directly. I need to just put my head down and plow through all these started projects OR make a decision to release them to someone else who wants to complete them. This should take a good part of the year to accomplish.
FAIL
Of all, this Hope was the obvious, biggest FAIL of them all, with absolutely NO progress!!
I don't think I ever even opened the big Rubbermaid tub of in-progress sewing projects, let alone touch any of them or finish anything.
I did however hem many pairs of pants this year and do a couple of garment repairs.....but that was the extent of my sewing for 2010.

So we end the year with 6 Passes and 3 Fails and a removal of 1 Goal/Hope.
Two Thirds of our Goals were accomplished.


Now I'm off to consider our List for 2011.
Have you or are you making any plans for 2011?  Leave us a link to your blog post or leave a comment here and tell us what you want to change or get done in the new year!


Sluggy

Last Chance to Claim Your Giveaway Prize....KathyM!

Ok, I am still waiting to be contacted by the MyBlogSpark/Safeway Giveaway Winner, Kathy M.

She didn't leave an email address in her entry so I can't contact her.  I've waiting a bit longer than usual since we're coming off the Holidays and she may not have been online.

You have 1 more day Kathy to get in touch with me.....either leave a comment on this post with your email addy or go to my Blogger Profile page and get my address and send me an email.

I feel badly but if people don't leave a contact email and have no blogger profile I can poke around in and find their addy I'll have to pull another winner.

So step up Kathy M, wherever you are!!

Sluggy

Tuesday, January 4, 2011

Keep this Rite-Aid/AdPerks Link Handy

Just a quick post for all you Rite-Aid aficionados.

Here's a back door URL to access your AdPerks/Video Values Account for days you can't get onto the Rite-Aid Website main page, due to heavy volume.....like today.

Go HERE.
This will take you to the current months AdPerks/Video Values Log-In page.

You can take it from there.....

Sluggy

1st Rite-Aid Trips of 2011...1 Good, 1 Eh & Resolution Reward Total Problems

I have $47 in +Up Rewards expiring the end of this week.
There are a few things I wanted to pick up and I needed to get up there before the store got cleared of stock.

Oh, and the Christmas candy went to 75% off on Sunday too. ;-)



4 x Reese's PB Cups 75% clearance(.89)=$3.56  $1.56 for 4 bags after Qs
4 x Hershey's Miniatures 75% clearance (.89)=$3.56  $1.56 for 4 bags after Qs
1 x Gas-X Prevention on sale=$4.99  $1.01 moneymaker after Q and SCR
1 x Joint Juice on sale but wellness disc. was lower=$4.79  $.79 after Q, +Up and SCR
2 x Airwick i-Motion Kit BOGO sale($13.99)=$13.99  $3.03 moneymaker for all Airwick after Qs and +Ups
4 x Airwick Freshmatic Kit BOGO sale($9.99)=$19.98
SubTotal.....$50.87

Coupons Used
1 x $4 off $20 purchase(the Beauty AdPerks/VV Q)=$4.00
2 x $1/2 Reese's PB Cups AdPerks/VV Q=$2.00
2 x $1/2 Hershey's Miniatures AdPerks/VV Q=$2.00
1 x $4/1 Gas=X Prevention ManuQ=$4.00
1 x $1/1 Joint Juice IPQ=$1.00
2 x $3/1 Airwick i-Motion Kit ManuQ=$6.00
2 x $4/1 Airwick Freshmatic Kit IPQ(Manu website)=$8.00
2 x $2/1 Airwick Freshmatic Kit IPQ(Manu website)=$4.00
Coupons Used.....$31.00

$50.87-$31.00=$19.87
I used $19.00 in +Up Rewards and put the $.87 on my free Rite-Aid gift card so ZERO out of pocket.
I earned $20 in +Up Rewards($1 Joint Juice, 3 x $3 Airwick wyb $10 worth, $10 GE Lightbulbs/Airwick*).
I also qualified for $4 in SCRs...$2 for the Gas-X and $2 for the Joint Juice.
After +Ups and SCRs, this trip was a $5 moneymaker!

*The Airwick items double dip this week....you get the $3 wyb $10 worth this week as well as a month long(until 1/22)$10 +Up wyb GE products.  I am supposing that Airwick is owned by GE?
Be careful on the Airwick this week if you are buying it for BOTH the +Up Rewards and to qualify for the special $20+Up Reward(wyb $100 of BUY & SAVE labeled items).  One of the large Airwick Air Fresheners was part of both the Airwick $3 +Up deal and the Buy & Save special $20 +Up deal in my store....the $13.99 one.  The similar $12.99 Airwick Air Freshener kit was marked as part of the $3 Airwick + Up deal but did NOT have a Buy & Save tag, showing it was part of the $20 +Up promotion.
I could have had a $1 less total if I had bought the second one but I didn't want to chance that the shelf tags were correct and that the lower priced Kit didn't double dip.

BIL needed ink for his printer and I had +Ups to burn so I used his card to buy this.....

2 x HP Ink Cartridges on sale $14.99 but 20% wellness disc. $14.24=$28.48
1 x Candy 75% off $3.99=$.99
1 x Eco Speakers 75% off $5.99=$1.49  *The speaker housing is cardboard, not plastic!*
SubTotal...$30.96

Ok....sit down for this one.....
I used ZERO Coupons!
I paid with $30 in +Up Rewards.
After using those the tax came off the receipt(huh?)except for .03¢, so I put the $.99 left on my free Rite-Aid gift card.
I received $5 +Up Rewards for buying 2 ink cartridges in a single transaction. 

Again, this $20 Resolution Reward thing is being screwy!!
BIL had $20 on his card's balance toward the $100 needed to earn the $20 +Ups.
The ink cartridges are a qualifying item, so he should have $28.48 more toward the reward.
$20+$28.48=$48.48 the last time I learned math, right?

So after this transaction, his balance toward the $100 is STILL SHOWING ONLY $20!
WTG!?!?
I think I'll be calling Corporate soon about this.....

Just be sure to watch your balances folks to make sure you get credit for the qualifying purchases you make!

THESE TRIPS
Number of Transactions.....2
Total Spent....$1.86(put on free Rite-Aid gift card)
Value of Items....$156.90
SCR qualified for...$4.00
Other Rebates earned...$0.00
Gift Cards earned....$00.00
+Up Rewards earned...$25.00
+Up Rewards spent...$49.00
+Up Rewards left to spend....$138.00

 

GRAND TOTALS--January Rebate Period so far

Number of Transactions......15
Total Spent....$6.61 put on free Gift Cards/Certificates so ZERO OOP
Value of Items purchased....$658.92
SCR qualified for....$10.00
Other Cash....$0.00

Additional Rebates....$0.00
Additional Non-Cash Rewards....$0.00

+UPS Totals for Jan. SCR period
+Up Rewards carryover from 12/31.....$165.00 includes ALL +Ups left
+Up Rewards spent....$127.50
+Up Rewards earned....$152.00
+Up Rewards left....$141.00


Sluggy

Monday, January 3, 2011

$30K Savings Challenge....December 2010 Total and END of YEAR TOTALS


I have posted my DECEMBER 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 December in the black yet again!
The extra cash amount we ended the month of December with was.......$3,787.26.

Income
We had $3,595.01 left over of DH's salary after expenses were deducted. Add in $175.25 of Rebates applied to the food expenses, along with $17.00 in rolled Coins and you have a deposit of $3,787.26 toward the Savings Challenge!

Our monthly target is an average of $2,500.00 to reach our Year End Goal. We passed the $30K yearly target mark in November.

Outgo
As for the expenses in December.....there were a few large bills.  The credit card bill(which is paid off each month)was over $1100(had to replace my computer's hard drive among other things) and 2 car repairs cost us over $1500 as well. There were also some smaller non-regular or quarterly bills, like paying for the replacement retainer for Daughter's ortho and the sewage bill.  Then both the water bill and the electric bill came in VERY high this month...ouch.
It's a good thing there was an extra paycheck this month because otherwise we would have barely had anything to throw into the Savings Challenge pot after paying the bills.

The good news with December is that nothing I bought for the Holidays was put on a credit card.   Hubs did put his gift to me on the card and we have some Dining Out on it(Daughter's Bday, Steakhouse with #1 Son home from school and Christmas Eve eating out tradition at the local Chinese Restaurant). Add in the usual gasoline purchases and such and we still will have a substantial CC bill but nothing swollen beyond being able to pay it all in January.
No interest, no payments being dragged out until June or worse.....yay!

The Food Budget costs for December are in another post, which is located HERE.  The actual Food/Toiletries spending in December was kept low due to the large rebate amount received that month.


YEAR-END GRAND TOTAL.....
With December's addition we ended the $30K Savings Challenge with a Total of $34,019.88 saved for the Year!
I am so happy with how much we've been able to save in 2010.  This is $10,000+ more than we saved in 2009!

It was a great year!  I think the key to staying on course and having a good result was to keep track month-by-month and doing it publically.  If I had no one holding me accountable how easy would it have been to have just stopped putting the money away when things got too hard?  Yep, it would have been very easy to let it go and go on spending sprees for junk we didn't need. 

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!
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