Tuesday, May 3, 2011

April Budget Results.....Food & Toiletries Spending


Here are my FOOD BUDGET spending totals for APRIL 2011.

I have posted April's totals on the right side bar under Total Grocery Savings for 2011 and updated the Yearly Totals.
I am listing subtotals for each store I purchased from in April.  If you aren't interested in that much detail, just skip to the bottom for the Totals Summary.

My spending includes Food, Toiletries/HBA, Pet Supplies, Cleaning Products, Paper Goods & tax where applicable.We are a family of 5(4 at home this month)& 2 dogs. No kids under 15.
******************

BIG LOTS
OOP  $4.20
Value  $5.38
Savings  22%


BREAD OUTLET
OOP  $20.45
Value  $74.02
Savings  72.37%

CARONE'S(small local independent store)
OOP  $4.51
Qs/Ads  $.48
Value  $4.99
Savings  9.62%

DOLLAR TREE
OOP  $10.69
Value  $20.52
Savings  48%

RITE AID
OOP  $6.77 (whole amount put on free Rite-Aid Gift Cards)=$.00 actual OOP
Qs/Ads/+Ups  $770.79
Value  $822.27
Savings  99.17% before gift cards/ 100% savings after free gift cards

SAFEWAY
OOP  $1.49($25 put on free gift card
Qs/Ads/gift card  $13.92
Value  $40.41
Savings  96.31%

WEIS (local chain Grocery store that doesn't take IP Qs in my town/doubles up to $1 total)
OOP  $61.09
Qs/Ads  $52.31
Value  $113.40
Savings   46.13%

I don't track Rite-Aid's +Ups here, nor 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 RECEIVED IN APRIL

Pinecone Research....$6.00
Rite-Aid SCR...$56.99
Subtotal........$62.99

GIFT CARDS and CERTIFICATES
Subtotal....$0.00

TOTAL Value of Cash/Store Checks/Gift Card Rebates Received...$62.99

COUPONS and FREEBIES

Ocean Spray.....sample and $1 Q

*********************
My best 3 Store Savings Totals were from Rite-Aid at 100%,  Safeway at 96.31% and the Bread Outlet at 72.37%.  I shopped at 7 stores in April.


TOTAL Out of Pocket...............................$102.43
TOTAL Coupons & Store Sales Savings...$978.56
TOTAL Value of Items Purchased............$1080.99 with Rite-Aid figured in
TOTAL Savings of...................................90.52%

TOTAL of CASH Rebates........................$62.99
TOTAL Out of Pocket After Rebates........$39.44
TOTAL Savings including Rebates...........$1041.55
TOTAL Value of Items Purchased............$1080.99
TOTAL Savings After Rebates...................96.35%

Since my Rite-Aid shopping(which contains No OOP)always skews my savings percentages, I like to figure my Totals without the Rite-Aid numbers also.
TOTAL OOP after Rebates.....$39.44
TOTAL Value of Items Purchases(w/out Rite-Aid items)....$258.72
TOTAL Savings After Rebates(w/out Rite-Aid items).....84.75%



This closes out the April spending.

THOUGHTS & COMMENTS for this month-
We ate down the freezer/stockpile again this month.  Add in that there were few stocking up opportunities(aka great deals)so I stayed out of the food stores most of the month and thus didn't spend alot of the $250 food budget.  3 out of the 4 months in 2011 so far have come in well under that budgeted amount.
I could probably do another under $100 in food spending month in May since we still have enough veg and meat left in the freezer to only have to buy milk, fresh produce and a few items we run out of this month.

What's ahead for May.....
Since #1 son(aka the Eating Machine) will be home this month, I suspect I'll be sending more than $40 on food this month.  I also plan to get some bulk items at the restaurant supply store and take advantage of a 2 Catalina Deals this week at Weis(coffee/choc. milk mix and pet food).
I plan on spending all $250 of my food budget this month.

We also will be having a family Graduation Party in early June, so I plan on picking up some things ahead of time for that in the coming weeks.  Sort of spreading out the expenses for that over 2 months instead of spending it all in June.
This means I may go over my budget this month.
But I figure, since I've averaged only $130 per month each month in food spending in 2011 so far(I give myself $250 per month for food), I have $480 +/- in the budget money I've earmarked for food for the last 4 months but haven't spent yet.  That means I've only spent barely half of what is budgeted for food for the last 4 months!
I figure I've got some 'wiggle room' when it comes to spending on food next month.

How did you do in April with your Food Budget?
What are your challenges for May?
Please leave a comment or link to your post and let us hear about your progress!  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

Monday, May 2, 2011

End of April Rite-Aid Trips...Playing Catch Up

More shopping from the end of last week below.
Boring stuff.
Feel free to skip it and move along. 8-)
This is the only shopping I have to report in with since I didn't go to the grocery store AT ALL last week.

This past weekend, I ended up with 2 $20 GOS Certificates from last Decemeber to use(mine and BIL's)by Saturday, the day they expired.
Here is what I got with mine.....no nit picky details since these deals are past......



The good things I did were to combine some Herbal Essences Shampoo Free item Qs with a BOGO Q that was expiring on Saturday to get 3 bottles of  'Poo abso-freaking-lutely free. I also paired rainchecks for Mortin PM(and used expiring Sat. Qs), Toothpaste and Toothbrushes to get all that free as well.
The rainchecks for Glad bags and Coffee made those items very inexpensive.   The Veet was free plus overage and the Easter candy was 50% off.
Though it pains the 'green' in me to buy it, the plastic wrap was my love gift to Hubs....lol

And I stocked up on Saline Spray at .99¢ instead of the regular retail of $5.99......$5.99 really?!?....for salt water?!?!  Puhleez Rite-Aid!
After using the $20 Gift of Savings Certificate, I put the .04¢ left to pay on my free gift card.

I got over $161 in products with this Certificate so that pleased me. ;-)

And here is what I got with BIL's certificate.....


4 bottles of 100% juice for Daughter
2 cans of hash for #2 son
1 pack of TP and even at this sale price it was waaaay over priced!
1 more bottle of saline spray...no way I am being caught without some and have to pay $5.99!
1 flat of bottled water--which I HATE paying for but I have to keep some on hand in the summer
2 candy bars for the $1.76 in +Ups they gave(free after the +Ups)
All this cost me .42¢ on my gift card after using his $20 Certificate.

Unfortunately I didn't plan these trips all that well.  I had wanted to grab a bunch of TP for my stash but nothing was on sale for cheap and had Qs I could use this last week.  I should have bought the TP & used this Certificate in an earlier week....oh well!
But I did manage to get a bunch of things we need or will be needing shortly.

And then I realized I didn't buy the free after +Ups candy bars with my card, so I bought 2 bars and a single Reese's Easter egg so I could get over $2 to use my last $2+Ups that was expiring.  I put the .02¢ leftover on my gift card. 
(Those 3 little candies off to the side on the right in the last photo made up that last transaction.)

Even though these trips were in April, they are during the May SCR Period, so here is the beginning of the May tallies.


THESE TRIPS
Number of Transactions.....3
Total Spent....$.48 (put on free Rite-Aid gift card)
Value of Items....$207.13
SCR qualified for...$0.00
Other Rebates earned...$0.00
Gift Cards earned....$0.00
+Up Rewards earned...$6.52
+Up Rewards spent....$2.00
+Up Rewards left to spend.....$55.52 And I have $47.50 left on my gift card.


GRAND TOTALS--MAY Rebate Period so far

Number of Transactions......3
Total Spent....$.48 put on free Gift Cards/Certificates so ZERO OOP
Value of Items purchased....$207.13
SCR qualified for....$0.00
Other Cash....$0.00

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


+UPS Totals for May SCR period
+Up Rewards carryover from 4/23.....$51.00

+Up Rewards spent....$2.00
+Up Rewards earned....$6.52
+Up Rewards left....$55.52  includes ALL +Ups not just ones from this SCR period


So what did y'all buy last week at Rite-Aid?
Did y'all wait until the end to use your Gift of Savings Gift Certificate too?

Sluggy

April SCR Period Rite-Aid Totals....Free Stuff Feels Great!

Here are the particulars from my last trip to Rite-Aid(on 4/23) during the April SCR Period.
No photo but I bought 3 12-packs of Pepsi products(which gave $3+Ups), a Little Noses saline spray(which gave $3+Ups and a $1 SCR) and 4 candy bars.

THIS TRIP
Number of Transactions.....1
Total Spent....$.85 (put on free Rite-Aid gift card)
Value of Items....$23.76
SCR qualified for...$1.00
Other Rebates earned...$0.00
Gift Cards earned....$0.00
+Up Rewards earned...$6.00
+Up Rewards spent....$13.00
+Up Rewards left to spend.....$51.00
And I have $47.50 left on my gift card.

And here are my Final Numbers for the April Single Check Rebate Period.....

GRAND TOTALS--April Rebate Period

Number of Transactions......16
Total Spent....$6.99 put on free Gift Cards/Certificates so ZERO OOP
Value of Items purchased....$704.86
SCR qualified for....$59.91
Other Cash....$0.00

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


+UPS Totals for April SCR period
+Up Rewards carryover from 4/20.....$58.00

+Up Rewards spent....$161.96
+Up Rewards earned....$99.96
+Up Rewards left....$51.00  includes ALL +Ups not just ones from this SCR period


I used $6.99 of my free Rite-Aid gift card and got over $700 worth of products.
I'll also receive just shy of $60 back in cash rebates for buying these items.
I also have $51 in +Up Rewards left to spend in the coming weeks.


Not bad, huh? 8-))

Sluggy

Saturday, April 30, 2011

I'm an Island of Frugal in a Spendthrift Family

I swear, every time I turn around, I just can't win.
I try to be frugal.
Sometimes to the point of being ridiculously frugal....or so my family tells me.

But they sure don't help me want to loosen up on the frugality measures, when every time I turn around, they are being spendthrifts.
Or just not doing what I ask them....to carry out the small frugal measures I ask of them.

Like Hubs for instance.
He was going to Lowe's this morning for gardening supplies.....manure, seeds, plants, etc.
I had a $10 off $50 purchase card which expires today.
I gave him my list and the card with instructions to spend enough to use the discount.
Pretty simple, right?

So he comes back with most of the things on my list and hands me the receipt.
He spent $43.49 BEFORE tax....$46.10 after sales tax.
So he spent just under enough to get a $10 discount.

What part of spend OVER $50 and use the $10 discount did he NOT understand???!!!
So he gave up $10 in FREE gardening supplies.......
Unreal.

He is looking at me like, "Hey!...It's no big deal."
And he walks away....

I on the other hand just want to SCREAM & SMACK HIM!

This is what he does.....he throws away money.
He throws shit out that's perfectly useful and buys new.
He doesn't take advantage of deals and discounts.
It's "not HIS way" he says.....
He feels that since he makes a good income, he can afford to waste money.
This is the guy who was writing checks for cups of coffee while in college....lol
And the kids know how he is, so they never ask me for things.  They go to him because he will buy stuff he knows I wouldn't approve of and he will just buy at full retail too! argh

I keep telling him when his income goes away and we retire, he won't have the luxury of being a spendthrift.
I keep reminding him that if he had been more aware of wasting money throughout our marriage until this point that he could have retired at 50 like he wanted to.


This trait of his drives me insane!
I get so discouraged sometimes.....

Is your partner on board with your frugal ways or are you fighting their spending like a salmon swimming upstream too?

Sluggy

Friday, April 29, 2011

The End of Year Season has Begun! & a Bit of Bad News and Good News

Before you think my cheese has totally slipped off it's cracker, I am NOT referring to the End of the Calendar Year Season, but the End of the School Year Season.

If you have kids in school, whether Pre-School, Elementary, Jr. High, High School or College, the Month of May through June is a very busy time of year!
As various school programs and extra-curricular programs come to an end and summer plans begin, total mayhem takes over the parental life.

For example, here is what is coming up in my kids' lives in the next 8 weeks....

*High School Concert and Jazz Band Concert  Completed last night
*Senior Prom
*Final College Exams
*High School Marching Band Banquet
*High School Marching  Band Disney Trip
*Finishing Young Scholars College Classes(Dual Enrollment Seniors)
*French Honor Society Ceremony
*Graduation Practices
*Honor Society Ceremony
*Final Exams
*Senior Awards Night
*Graduation
*Senior Lock-In Party
*Packing 2 off to Summer Camp employment
*College Orientation
*Packing 1 off to Summer Camp

Add in bringing 1 kid home from college, taking him out for staff training for the summer job, having him come home for his sister's graduation, hosting a house full of relatives for said graduation, trying to clean and fix up house before said relatives descend on house for graduation, running around to get stuff kids need to go to summer camp(either to work or as a camper).
Throw in doctor appointments, dentist appointments, orthodontist appointments, eye doctor appointments and refilling medications.

I'll get time around June 20th to sit down and breath again I am figuring.....lolol

Most of this craziness stems from #2 Son being in the band and Daughter being a senior in high school.
I suspect it won't be nearly as hectic next year when I have just the lone Sophomore in high school.
One kid left at home fulltime....
Wow!
I can't wait!!!

Mostly that's due to the fact that my Daughter is alot of work.
You mom's out there with both sons and daughter....do you find that the girls are just so much more exhausting?
Or is it just me.....and my girl?
Please tell me it's NOT just me!lol

Besides the High School Concert last night, we also got 2 pieces of news from the University Daughter is going to be attending.
First the bad news.....
Due to the proposed state budget for PA, the state colleges here are having their funding slashed, BIGTIME.
Daughter got a letter with the estimated updated costs to attend(since the state budget doesn't even get voted on until June sometime, we won't know the final costs until then).  Instead of the usual 8% rise in attendance costs, it's looking more like 18%!
More than DOUBLE the usual rate.
Suddenly the one school that Daughter wouldn't have to go into debt to attend is going to leave her with a small pile of debt when she is finished there.
At least she got that small Board of Governors Merit Scholarship for all 4 years of her undergraduate schooling, so if she can save some summer job money, she might squeak out with a teeny tiny pile of debt to pay back.

Now the good news.....
Daughter heard back from that pre-med program at the school and she was granted one of the five guaranteed seats at the Medical School after she obtains her 4 year degree at the college!
This means if she keeps her grades up through college and after she gets her B.S., she is automatically accepted into the Lake Erie College of Osteopathic Medicine. 
I just think that is awesome! 8-))

So are you running the End of School Year gauntlet too?

Sluggy