Doing the Double Challenge Month over at Carla's Blog

CARLA over at "My 1/2 Dozen Daily" is hosting a “Double Challenge Month” for February!! After holding a January Low Spend Challenge, she's doing another “Low (no) Spend Challenge”, and a “Decluttering Challenge”! You can join in both challenges, or just the one you’re most interested in!
Go check it out HERE .



Here’s how the Low (no) Spend Challenge will work:

1. Choose a financial goal for the month!
 
Other than food/HBA spending, some eating out, and bills, I just don't spend money each month! So if bills & food shopping aren't 'spending' then I just have no demons to tame here.
I don't shop for fun, heck I don't even go to the mall!lol  My money isn't running out a faucet like some people's seem to do, as I have a tight grip on that spigot after the years I spent in my youth wasting money on junk!
I spend so little on wants these days that a "Low(no) Spend Challenge isn't a challenge to me. ;-)  Since I give myself practically no discretionary spending anyway, my goal setting will work differently than most.....see below.


2. How will you achieve your goal this month?

But I still want a financial savings goal this month so here's my approach to this....

I went through the usual February bills we seem to always have(using last year's bills as a guide)and when I take those away from our projected February income it leaves about $1,600 in 'unspoken for' income.  I'm giving myself $200+/- for unforeseen bills and another $200 for #2 son's birthday which leaves $1,200 for a financial goal to put toward my 2012 Savings Challenge.
So my target to save is $1,200 in February.  This $1,200 will go into my Savings Challenge ING Account that was set up 3 years ago to hold these funds.

If I see ways to cut back on the February bills I will put this money in with the $1,200 I am targeting.

**And before you hate on me for having such a big target, remember that I have no debt at all....no credit cards, no student loans and my house has been paid off for almost 5 years.  Once you get into this position, you too can save money at an amazing rate no matter your income as long as you have discipline and don't blow large wads of cash on crap. ;-)

3. How will you allot your spending this month?

We are paid every 2 weeks.  After payment comes in, I pay bills as they come in and/or until I run out of the current payment.  In which case, I wait for the next income check to hit the bank and continue to pay the bills.  Bills are paid via check or directly online to the company from our bank account. Eating out and gasoline purchases are put on the credit card.  Any unexpected purchases are also put on the credit card.  Most importantly the credit card is paid off EACH MONTH no matter the amount.
As for food/HBA purchases, I take cash from the bank and all food/HBA purchases are covered with this.  Hubs also takes cash each month to cover his incidental purchases like lunch, coffee, picking up milk on the way home, paying for son's music lessons, etc.

4. Track your purchases!

I track all my spending anyway.  Every receipt goes into my notebook and each transaction gets listed and posted on my blog at the end of each month.
I try to get Hubs to save his receipts so I can see where his cash withdrawals go but it doesn't happen on a regular basis.  He resents being held accountable...... 8-(

5. Are there any “exemptions” for the month?

The only unusual purchase will be #2 son's Birthday cash and meal out, which I have accounted for in my Financial Goal above.

Here’s how the Decluttering challenge will work:
1. There will be 4 main challenges for the month. I pick the theme, you pick the challenge!

Since I am still in Decluttering Mode this year,  after the Great Purge of 2011, I am all in on this Challenge too!

Week One: Personal Space Challenge--This week will be all about my bedroom.
Week Two: Family Space Challenge--This week will be all about the den.
Week Three: Productivity Challenge--This week will be all about the living room/dining room.
Week Four: The “Dreaded” Challenge--This week will be all about the garage.

The Tossing/Selling/Donating 29 items part?
Oh, I have this down in SPADES!lolol
I'll probably toss/sell/donate that many items A DAY!

I'll be documenting all via photos.....both befores and afters.  Good times!

So go see Carla and sign up for one or both of these Challanges!

Sluggy

What I Bought at Rite-Aid Last Week & What's Ahead for This Week

After Hubs and I had my free Birthday meal at Red Robin on Saturday afternoon, I bopped into Rite-Aid on the way home and bought this.....

2 x Mentos UP2U Gum on sale=$2.00
1 x mentos Pure Gum on sale=$1.00
SubTotal....$3.00

Coupons Used
2 x $1/1 UP2U Gum ManQ=$2.00
1 x .55¢/1 Mentos Gum ManQ=$.55¢
Coupon Total....$2.55

$3.00-$2.55=.45¢ OOP
I put that on my free Rite-Aid gift card and received $1 in +Up Rewards for buying 3 packs of qualifying gum.

So .15¢ per pack of gum and $1 more in Rite-Aid Conscript.
And nothing out of pocket. ;-)

This week I have $6 in +Ups expiring on Saturday 2/4 so I'm looking at what to get.
As there is nothing we 'need' in food or HBA that's a deal this week, I am looking at getting stuff we can use that will rolling these +Ups.  I don't see any rolling opportunities so far.

I have a $2/1 Tide ManuQ and Tide is $5.99 this week at R-A so that would make free Tide with a couple of $s left to use up.
I already did the Colgate toothbrushes Spend $30/Get $10 +Ups Deal so that's out.

There is a +Ups Deal double dip....the Snack Foods/Soda Spend $15/Get $5 +Ups also includes a Pepsi buy 3 12-packs/Get $2 +Ups Deal, so if you buy the Pepsi 12 packs as part of the $15/Get $5 +Ups, you'll get $7 +Ups instead, meaning you get almost half back in +Ups on what you spend OOP.

Hmmm, I'm going to marinate in this one a bit before deciding what to do this week.

Anybody out there have any Rite-Aid plans/deals they are doing this week?

Sluggy

Is eBay Selling Worth Your Time Anymore?

While I wait on tax documents to get here so I can power through the taxes, and the much dreaded FAFSA(yes, I said that word!), I've been going through and calculating my eBay numbers.

Yes, if you sell stuff on eBay it's income and you had better report it.
I'm just sayin'.....

Even with just selling stuff for 2 months last year, the amount of paperwork and numbers I have to wade through is mind numbing.  It took me three solid HOURS to get through it tonight!
Ugh.

After deducting all the fees, supplies and the costs of the goods I sold, I netted a whopping.....you'd better sit down for this!......$1710.10.

And that's not deducting for the portion of the storage unit fees I incurred to store the things I sold.  I "could" deduct that IF I could come up with an acceptable formula to divide the storage unit fees between the square footage the eBay stuff occupied and the square footage where all the non-eBayed stuff sat.  I could also try deducting lots of other things too....like part of my internet connection cost, part of the cost of my computer/printer/paper/ink/etc.  But all that takes documentation and effort and sends up audit flags.   I'll just take that hit and not even bother.  I am beyond caring to go there.lol

So in the end all the fees I paid to sell this stuff?
It almost cost me as much as I netted!

I will not depress myself by figuring what my hourly wage was to make that $1710.10.
But I suspect I'd be better off wearing a paper hat and asking if you want fries with that! lol

This all just confirms my belief that selling on eBay as an income stream is so not worth it.  Might have been years ago but now?.....nah!

It's a great way to get rid of things you have laying around the house and such.  Or selling off things you don't want anymore.
But as a sustainable fulltime job?  Not so much.

I'll stick to Focus Groups and some Survey work.....though my patience for that stuff is wearing thin too lately.  ;-)

I need to find someone who wants to pay me to sit around and drink adult beverages!
Yah, now THAT'S the kind of work I could so get into!!  8-)

Sluggy

What I've Done....Er, Mostly Avoided This Week

On Tuesday I dragged my self out of bed long enough to take #2 son to the eye doctor.  He had failed the vision test at school...uh oh.....

At the doc's office, #2 son learned he has joined the family "bad vision" club on Tuesday, as he is now nearsighted.
Plus got the astigmatism from dear old mom's genes.
Double bonus!

I had my vision checked as well since it was time and yes, the doddering old mom's eyes have gotten worse in the last 2 years.  Pretty soon they'll be fitting me for a white red tipped cane and/or a big guide dog in a harness to haul my carcass around.

I don't mind eye exams.
It's the picking out new frames I can't stand.
Why must they change all the styles every 2 years?!?  I find a style that doesn't make people turn away in disgust at my face and then the next time I need a new frame, the style is gone and I have to ferret out another style that works with the few good points on my visage.
It's so totally unfair I tell ya!

After the psyche scarring episode over at Pearle Vision Center, #2 son and I went down the strip mall to Ollie's.
Ollie's is the local discount/closeouts store, much like a Job-Lot, Odd-Lot, or the now defunct Value City.  I am a card carrying member of Ollie's and they had mailed me a 15% off Coupon to use before Valentine's Day.

Since I've spent so little from the food budget this month, we stocked #2 son up on vital junk food and I got a few deals as well......

I got 5 boxes of kitchen bags-45 count for $4.24 after 15% discount.  A real good price!  Between this lot and what I already have in the stockpile that I got for no OOP at Rite-Aid over the course of last year, we should be set for garbage bags at least until the Fall.
4 bottles of 100% juice for $1.69 each.
3 jars of mandarin oranges for $1.35 each(ignore that 1 is already empty!lol)

Then for #2 son's dining pleasure....
4 boxes of Mac and Cheese "crack" for .76¢ each.(close-out because it's jack-o-lantern shaped)
2 packages of cookies for .76¢ and $1.69.
1 package of kettle popcorn for $1.27.
And a huge 2 foot tall container of pretzel logs for $4.24. *Not pictured as it's already disappeared into the depth's of his room.*

I spent $43.01 with tax.

Afterwards we met Hubs and went over to Denny's so I could cash in my Free Birthday Grand Slam Meal Coupon.   Mmmmm.....French Toast, a couple of eggs and assorted breakfast meats made my tummy happy.  #2 son got a Grand Slam and Hubs got a Chicken Sandwich.  We dropped a $20(including a righteous tip) and headed home.

And other than chauffeuring duties, I haven't left the house since then.
I wander around the house and think about cleaning and decluttering or doing laundry and then I go lay down and rest instead.
Or I go read emails/blogs until the feeling passes and then I go lay down instead.

I can't seem to shake this thing.  Being sick on your birthday blows, ya know?
Plus I've been in a major funk.  Having relationship issues with the daughter lately doesn't help.

Don't mind me.  I'll just be over here in the corner wallowing in self-pity for a bit longer.

Sluggy

January Food Spending Week 3, Meal Plan January Week 4

*I am taking part in Precious' MONEY SAVING CHALLENGE again for 2012.  You can find her blog FRUGAL MAKES CENTS and a list of other participants and their blogs  HERE.

Check it out.  You might find some new ideas for incorporating frugality into your life there!*


I love searching around for old photos and advertisements featuring kitchens from years gone by.  These are mostly the kitchens from my youth in the 1960's or earlier.  

Today's kitchen......

Here's a 1960's beauty!  The rustic country americana kitchen look.  Wooden cabinets with those black iron handles that allude to a barn door and the requisite RED wallpaper.  I'm surprised there is no chicken motif going on as well!
While the '60s saw the end of metal cabinetry in the American kitchen in favor of wood, the colorific appliances were still  hanging on.
And those lovely yellow appliances....just makes your mouth water, or would that be your EYES WATER?!?lol

Enough of that, onward to the Meals and Food Spending. 8-)


Last week's meal plan is in the books.  Here is what actually happened....

SUNDAY--Chinese Take-out *I wasn't feeling too well

MONDAY--Sloppy Joes(with ground turkey or chicken), Rolls, Green Beans

TUESDAY--homemade Chili, Cornbread

WEDNESDAY--?

THURSDAY-- ?

FRIDAY-- ?
SATURDAY--homemade Chicken Pot Pie-Daughter made this and it was good!

Yes, those are question marks for 4 days of my menu.  I was sick all week with sinus problems.  I hung in there for 2 days and made a couple of crockpot meals(just throw the main components all in the pot and make the rest of the family sort it all out)but I didn't eat any of it.  I had soup and applesauce and bagels or Hubs got me some Egg Drop Wonton Soup at the Chinese place.  The family fended for themselves with leftovers and whatever they wanted to fix the rest of the week.

I was beyond caring what they ate by Tuesday. lol

Since I wasn't on top of my food waste game last week(and no one else here seems capable of dealing with this issue), we lost some items while I was indisposed.

I also didn't step foot into a grocery store all week.  Hubs and daughter picked up some rolls, milk and eggs along the way as needed and threw the receipts on my desk.....how thoughtful.  The weekly spending was $8.31.

3 Weeks in and I've spent $160.93 of my January food budget.  $139.07 left for the month.  There isn't much in the sales ads that is thrilling me, so I may not be venturing into the stores again this week.  You'll see better why I don't need to shop below.

Going into Week 4, we have Sloppy Joes and Chili leftover from Week 3.

This week's menu.....

SUNDAY--homemade Pizza, carrot & celery sticks w/dressing

MONDAY--Leftovers or Burritos

TUESDAY--Denny's for Birthday Grand Slam

WEDNESDAY--Red Robin for Birthday Burger

THURSDAY--Baked Potatoes with Toppings, Mixed Veg.

FRIDAY--Lone Star for Birthday meal
SATURDAY--Chicken & Dumplings with carrots

Items needed for this menu are nothing.  2 of the meals planned but not fixed last week are here and a whole bunch of free birthday meals so not much cooking this week.  The only new item this week is chicken & dumplings
While my meals will be FREE, the Hubs and son's meals will come out of the Entertainment funds for the month, not the grocery funds.

So what is everyone else eating this week?  

Sluggy