Wednesday, November 7, 2012

$20K Savings Challenge.....OCTOBER Update

Ok, here is my OCTOBER Savings Challenge Update post for 2012.
This post is NOT about bragging or showing off.  It's just what we are able to save given our income and being able to hang tough against "unconscious" spending.

Just to update, My Savings Goal for the Year in 2012 is $20,000.  It's well below what I've saved in previous years I know.  But we also have a goal of paying for 4 home improvement projects at Chez Sluggy this year.  We plan on cash-flowing these projects with the additional money we save and/or our income tax refund.
Our background info--We are a family of 5(kids are 21-16)with one living away from home.  We have 2 dogs. We own 4 cars at present and live in/own free & clear a 4 bedroom house in a small town.

On to the October report.....

I have posted my OCTOBER End of Month $20K $AVING$ CHALLENGE Totals.
Check out the side bar to your right for the specific numbers.

I have 2 goals each month.....
The 1st is to actually finish each month in the black and not the red.
The 2nd is to hit the targeted savings amount of $1,666.67.

I have to report that we finished up October in the black!
The extra cash amount we ended the month of October with?.......$3,372.72

Income
We had $3,357.83 left over from our income after our monthly expenses were deducted. 
Add in a teeny bit of interest at $1.89 and a couple of rebate checks worth $13.00 and it brought our gain to $3,372.72 for October.


Outgo
As for the expenses this October......

HERE are the GOOD THINGS
* The water bill was $16 lower than last month.
* The doctor bills/rxs were $5 lower than last month.
* The credit card bill decreased by $250.
* The cash withdrawals were $80 lower.
And the big one....
* The car maintenance/repairs were $1631 lower than last month!

HERE are the BAD THINGS
*  The electric bill went up by $16, thus negating the $16 savings on the water bill. lol
*  The medical co-pays were up $36 from last month.
*  The music lesson costs went up $30 this month.
*  The quarterly garbage bill was due for an additional $84 in spending in October.

The Food Budget costs for OCTOBER are in another post, which is located HERE.

YEAR-TO-DATE GRAND TOTAL.....
With 10 months behind us, our Savings Grand Total for 2012 is at  $19,588.47!

With 10 months done, we should be at $16,666.67 saved for the year.  
I am so thrilled that at the 10 month mark we are only $411.53 away from our yearly Savings Goal!!
This means that if I can keep our spending within our means for the next 2 months and eek out a small $205.77 each month in savings we will hit our $20,000 mark for the year.  And there are 3 paychecks in November so saving at least $411.53 over 2 months is very doable. ;-)

As for a look ahead at NOVEMBER.......

*  No irregular bills are due this month.
*  Normal monthly bills only are expected.
*  November is a 3 paycheck month.

So how was your October financially?
Did you spend less than you made?
Did you stay within your budget or not?
How much of your income did you save in October?  Did you use it to pay down debt or build your Emergency Fund?

Even if what you are able to save each month doesn't look like a lot of money, figure out what percentage of your income you saved.  You might feel that it's a more substantial amount in those terms!
We saved approx. 55% of our take home income in October.  My goal is to shoot for 50% each month.
Some months I can meet that goal.  Months where we have irregular or unexpected expenses we fall very short.

Leave a comment and share with us what you did with your money, both the good and not-so good.
Did you have debt you were able to pay on?
Did you pay off a car, a house or a credit card?
Did something financial blow up on you last month?
What are you doing financially to change your life?

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

Tuesday, November 6, 2012

Will You Stand Up to The Bullies Today?


"I wanted you to see what real courage is, instead of getting the idea that courage is a man with a gun in his hand.  It's when you know you're licked before you begin but you begin anyway and you see it through no matter what.  You rarely win, but sometimes you do." --Atticus Finch in 'To Kill a Mockingbird'
 
 5% of the vote cast this election for a 3rd party candidate will END the 2 Party System and the stranglehold they have on real choice in this country.
 Sluggy--who you KNOW is serious about this because she had to PAY cash monies for her yard signs  8-)

Monday, November 5, 2012

Food Spending OCTOBER Week 4+, Meal Planning NOVEMBER Week 1



Another wartime food waste poster.  From everything I've heard about Army food during the 1940's, the word "style" doesn't pop up too often. if. ever.  But yes, leftovers can taste AWESOME!

***********************************

If you read last week, you know I planned out being able to stick to my Meal Plan even if we lost power for a few days as a result of Sandy.  Luckily for us, we didn't lose power for very long.  This mostly meant that we didn't have to eat 3 cartons of ice cream in a very short time.lol

And here is what actually got served last week....
 
Sunday--Pot Roast, Carrots, Potatoes, Mushrooms, Onions
Monday--Sloppy Joe on Onion Rolls, Corn
Tuesday--Chinese take-out
Wednesday--Salmon, Kraft Mac&Cheese, Green Beans
Thursday--Beef Stew(used leftover Pot Roast), Bread
Friday-- more Stew or leftover Sloppy Joe or Chinese take-out
Saturday--Cheese Burgers(used up leftover onion rolls), leftover Green Beans
 
The food spending last week was $106.24 for $188.44 reg. retail worth of goods.  I also earned a $5 Cat Q last week.  Most of the spending was buying ahead so I could qualify for the Thanksgiving gift certificate at the local Shursave market.  Only about $15 of what was spent was for immediate needs.

***********************
Going into this week, I have leftover Sloppy Joe(1 serving), so nothing really to incorporate into my new meals.  If I don't eat this for lunch this week, I could mix it into the spaghetti sauce on Friday.  Viola-no waste!

This week's menu....
 
Sunday--Steak on grill, Salad, Roasted Potatoes & Onions
Monday--Rueben Sandwiches
Tuesday--Grilled Pork Chops, Halushki(a cabbage & noodle dish), cinnamon apples
Wednesday--Honey Mustard Chicken, Rice, Broccoli
Thursday--Kielbasi on Rolls, Onions and leftover Sauerkraut, Corn
Friday-- Ravioli with Sauce, Spinach Salad
Saturday--Leftovers

Last week I hit upon a deal on sliced corned beef at Weis.  They had 8oz packs of Freidriech pastrami, roast beef and corned beef, regularly $5.99 pack on sale for $3.99.  Some packs had $2 instant discount Qs on them as they were nearing sell by dates, which made those $3.98 lb. for high end deli meats.  I scarfed up some roast beef to tuck into the freezer and enough corned beef to make Ruebens for dinner.  I already had Swiss cheese, 1000 Island Dressing and Sauerkraut, so I bought a loaf of Jewish rye bread on Sat.  Had I planned on this for a meal?  No, but as soon as I saw that deal the end of last week, I changed things up.   We'll be knoshing in style tonight for dinner! ;-)
 
What do I need to buy to serve this menu?  I bought the bag of salad on Saturday as it was on sale last week....ditto the deli meat for Ruebens.  Left to buy is a head of cabbage, kielbasi rolls, fresh spinach.
Also needed milk, and maybe fruit, though we still have many apples left from last week.

I will be buying a frozen turkey this week, as well as some good buys this week, along with getting items ahead that I'll need for Thanksgiving dinner.  This is the last week for purchases to qualify for the gift certificate at the local Shursave market so besides the $15 I need to spend for this week's meals, I'll be shelling out around $80 more dollars of food items.  Luckily the end of this week the Shursave market is having their semi-annual Meat Sale, so I can stock up on some meats....the ones they don't jack the price up on right before the sale and then lower them. lol  Spending this targeted amount means I get $20 in free food vouchers to spend the following 2 weeks.
 
So what are you cooking at your house this week?


Sluggy

Sunday, November 4, 2012

What I Did On My Vacation Part 1....Sort of Long


We spent the Week of Oct. 21st down at the beach in Ocean City, MD.
You may have noticed that I didn't post as much that week and that the posts that did go up went live at weird times and not on my usual schedule.

The reason being that I don't have a laptop and the only internet access I had was via the desktop computer in the hotel's lobby.  I stayed up late the night before we left and wrote a week's worth of blog posts and scheduled them to launch at set times.
Or at least I "thought" I had scheduled them.  8-(

I get a C- on that whole scheduling thing I guess.
I did jump online at the hotel when I could get a moment here and there to manually launch and/or approve comments.
That's quite the accomplishment when you have a disapproving husband glaring at you for taking a few minutes away from HIS vacation.
But I am digressing here, as usual......

The point is I was formulating how to structure my "What I Did On My Beach Vacation" post while sitting on the balcony that week enjoying adult beverages, as well as while driving home on Friday, October 26th.
Because, though you may not believe it,  the rambling stuff that I post doesn't just tumble out of my brain onto the page.  I do put some forethought and try to structure my writing so that it doesn't need propping up by 2 x 4s and lots of nails and duct tape.  At least not massive amounts that show on the outside.   The inside of my writing?  It resembles the inside of a parade float.....lots of paper mache slopped everywhere and exposed chicken wire.....not so purty. ;-)

So I finally figured out what to talk about and how to word it about November 1st.
And here is how it goes.....

Y'all saw my little teaser photo earlier in the week.....

And no, it took me more than 1 day to empty all those bottles.8-P

Hubs and I spent most of our time on vacation just kicking back, tipping back(bottles) and eating out, with a little shopping on the side.

We have had miserable experiences eating out in Ocean City over the years.  The places that sound appealing are always closed for the Season by the time we get there in the Fall.  The local(non-chain) type places have only disappointed us, either by being GROSSLY overpriced(even for a tourist area!)or the food being just plain.....well....GROSS!lol
And sometimes it was both.  (La Hacienda anyone!?  Seriously, 99.9% of commercial kitchens in the USA are FILLED with workers who called their grandmother "abuela" and this Mexican Restaurant apparently has only ethnically Caucasian cooks who serve Mexican food so bad that THEY should be deported! )

Hubs and I thought we'd take another crack at eating local again this trip(Subway and hot dogs at the 7-11 was getting tiring).  I jumped on Restaurant.com and bought 3 certificates for the trip before we left, so I knew we'd venture out into unknown territory for at least that many meals.

We stopped on the way down in Rehobeth, Delaware to do some outlet shopping.  Every year we hit the Vans, Converse and Jumiez Outlets to restock 2 of the kids on clothes & shoes that they like from these places.  You know the only way I'm buying this name brand/designer stuff is with a deep discount at an outlet.  The credit cards were smoking from use by the time we left Rehobeth!lol

We got in early in the evening to our hotel and after some down time we headed out for dinner.  The destination was Dumser's, an Ocean City Landmark......

You probably can't see hubs standing under that sign, huh?  Trust me, he is. lol

* A little side ramble here.*

I have a habit of renaming things and places.....so that it sounds almost the same as the actual name for something.
It was my mother's habit--you see? I'm turning into my mom!lol
She would get a mental block about a word or a phrase and call it something else and once she did this, it was forever referred to as that "not quite the right word".

Actually it was her boyfriend's habit.  He was a good old Southern backwoods country boy who never learned to read or write and his hearing wasn't all too good either.  He mispronounced lots of words and mixed up sayings much in the vein of Mrs. Malaprop in The Rivals(hence the term malapropism).
For example, he used the word "predny".  This meant soon....."I'll get to that project prendy."
He also had a word "addawhile".  This meant soon but not as soon as predny......."I think I can get that part "predny" but it's gonna take me addawhile to fix that car".
This sort of thing rubbed off on all of us.  We should refer to these as "Earlisms", as this guy's name was Earl.
The funniest Earlism my mother could NOT for the life of herself get right was the term she used to refer to Pokemon.  When my kids were little they were very HUGE Pokemon fans back in the 1990's when this craze first hit the US shores.


My mother called Pokemon, Pickaninny.
At first it about made us pee ourselves whenever she talked with the grandkids about Pickaninny.
But then, when I'd bring the kids home and they started getting confused and used "that word", well, it lost it's funny factor real fast. 8-P

And now that I've gone on and on with this, I'll get to the point.
I find myself coming up with Earlisms more and more these days.
Those coffee machines....Keurigs?  Those are Nancy Kerrigans around here.
The Old Country Buffet?  That is the Old Peoples Buffet.
Dumser's?  As of October, It's now officially Dumpsters in this family.  Yes, I misspoke and called it Dumpsters on this trip......so Dumpsters it now is.

So back to Dumpsters.....
I have a love/hate relationship with this place.   Hate the food, love the ice cream.
The food is fried stuff(fish, shrimp, chicken, etc.)with french fries.  There are burgers, sandwiches and 1950's style diner meals.  Someone is in back opening lots of cans, heating it and manning a fryer.  Not a meal I look forward to.  And while it's "cheap" food it's not priced cheaply enough for me.
But we got ice cream afterwards.....made on site ice cream.
I "heart" chocolate chip coconut ice cream with real pieces of coconut in it.....and I spring the extra .50¢ for a waffle cone.

And Dumpster's is where I first encountered that nasty version of a great side dish--cole slaw.  I guess this is an Ocean City or Maryland style Cole Slaw.  Though I spent 4 years in Baltimore and never tasted anything as revolting as this cole slaw there, so it must be an OC thing.
They should  rename OC Cole Slaw, Wilford Brimley Slaw
You know...."Mr. Dia-beetus".

The Wilford Brimley Slaw is shredded cabbage and carrots that has been soaked in mayonnaise infused simple syrup.  It's grotesquely sweet and will spike your blood sugar levels within minutes.  I took 2 bites and wanted to run around the room 20 times and then take a header into a wall.
Where was the vinegar....the tart to counterbalance the sweet? 
I NEEDED ice cream to wash that taste out of my mouth and then a walk on the Boardwalk to work out all that sugar.
Again, when I picture OC cole slaw in my mind now I see Wilford Brimley therefore my Earlism has taken over and this sweet cole slaw will forever be known as Wilford Brimley Slaw.

On Monday we did our errands......all those little shopping stops that needed to be done, most of them over the bridge in West Ocean City.  We hit the Sav-a-lot and the Dollar Tree for water and fruit, snacks and breakfast foods so we could eat in sometimes.  And Hubs hit Walmart for a pair of clip-on sunglasses.
We decided to use one of our Restaurant.com certificates for lunch at a pub called Whiskers in Berlin MD.  Since we were on the outskirts of Berlin by then anyway we drove around downtown Berlin looking for this place with no luck.  So we called them and asked for directions.
And it's a good thing we did, because Whiskers is not actually IN Berlin!  Berlin is the mailing address but the pub is in Ocean Pines over in a strip mall near the Casino.
Hubs had a couple of beers(I didn't)and we got fried pickles(ok but the dipping sauce was bleh!)and we each got a juicy burger.  I could only eat half of mine it was so big and came with so many fries.....on second thought I should have left the fries alone and just eaten the burger.
It was a lowkey, non-tourist place....somewhere the locals hang out.  And the inside was covered in Halloween decor.  I mean...
every.
single.
inch.
I wish I had remembered my camera on that day.  I can't find a photo of that place decked out for Halloween online and words would fail to give you the impact of a glimpse at the inside of that bar.
Let me just say that imagine every Halloween decoration, animated or blow-up or light-up figure and costume that you've every seen in your life was put into a room and a bomb was set off in there.
THAT is what this place looked like.

While I can't show you the dive bar's interior, I can show you this photo of the beach I snapped from the balcony back at the room....

Yes, we were up rather high this trip on one of the top floors and those tiny dots are full grown people.
The weather was great for late October that week.  Warm into the 70's, sunny and a slight breeze.  Lots of people on the beach and a few even went into the water!
We had awesome warm weather the whole trip and no rain.

A co-worker of Hubs told us to try Jr's(the place for ribs) this time.  It came highly recommended.  After an afternoon nap, we headed out for Jr's.  I was sorely disappointed in that the only pork barbecue was a sandwich, in a standard sized hamburger bun.  And it was $12!  Why does no one sell BBQ pork platter dinners anymore?

I am not a big fan of ribs but I got the ribs and as an after thought I threw in a crab cake to make it a combo plate.
While the ribs were good, they weren't anything to write home about.  I can and have made just as tasty ribs on my little home smoker on my front porch, and for a much lower price point.
But the crab cake?.....Who would think that a place that does smoked meats would have such a GREAT crab cake!!
It was awesome.....large, very little filler and huge lumps of crabmeat that you could actually taste.
I loved that crab cake so much I almost didn't feel pain when I saw how much it cost....
If we ever go back there, I'm doing the crab cakes, forget the ribs!lol
Another round of adult beverages on the balcony back at the room finished off the day.

Tuesday I made a late breakfast/brunch in the room and we lazed around until noonish.  We decided to hit the movie matinee on Tuesday.  We saw ARGO.  Having both lived through the Iranian hostage crisis time, we knew the ending going in but we still got caught up in the drama of it all.  I was surprised at how much humor was in the film.  I guess with Alan Arkin and John Goodman in it, there had to been some shits and giggles, right?
And if you think Ben Affleck is a doucheketeer, don't worry, you hardly notice him in this film(even though he has the main role). ;-)


We went to the 1 pm showing during the non-tourist season, so the only people in the theater with us were age 60 and over.....the Senior Citizen crowd.  Lots of canes and walkers and oxygen tanks to dodge to get out of the theater when it was over.  Thank goodness for no screaming babies and unruly children and ignorant younger folks who don't know any better than to be talking through the entire film!  It was so weird that when the credits started rolling, everyone in the theater burst into applause.  I don't know if that was because of the dramatic tension release experienced by the audience or if the film imparted a heightened sense of patriotism onto the crowd, that they then expressed or what.  It just seemed like the natural thing to do......

Since we hadn't eaten since breakfast, we headed from the movie theater off to Selbyville, Delaware to use another of our dinner certificates at a place called the Hawaiian Crab Bar & Grill. 
And it was closed.....no hours on the door, nothing.  We called the phone number and got a machine that told us to leave a message but gave us no information on their hours.  The website did NOT say they were closed for the season either.  On the way back down to OC, we did some shopping here.....

While in tax free DE, might as well stock up on more adult beverages, right?
We had fun browsing around.
$110 later we left with some goodies for the vacation, some goodies for home and a few Christmas presents.
We give great presents you know.....you might want to get on our list. ;-)

We still needed to eat a real meal on Tuesday so we heading back into OC. Next to the movie theater was a Denny's.   We decided it was a safe place from high prices and food poisoning so we dined there.
I got the All-You-Care-To-Eat Meatballs and Spaghetti.  In all my years, THIS was the first time I ever ate something other than Breakfast foods at Denny's.  I was just not feeling hot cakes and eggs that day.  So I took a chance and the meal was actually pretty decent!  The salad was awesome and not just wilted iceberg and 1 cherry tomato.  The garlic bread left a lot to be desired however, but the pasta and balls were good.   And really, the spaghetti should not be all-you-can-eat because I had problems just getting through 1 plate full.  Who could actually eat more than 1 serving!?!

A nice walk down the boardwalk and then back to our hotel for some adult beverages and television watching finished off our day.

To Be Continued.......

Sluggy 









Saturday, November 3, 2012

The Rite-Aid SMASH-UP for The Week


First let's post the GRAND TOTALS for OCTOBER at Rite-Aid....

Out Of Pocket....$0.00  cash
Value of items bought.....$322.35
Savings Rate of  100%
Single Check Rebate due....$0.00
Other Rebates due......$0.00
After SCR applied, Out of Pocket.... $0.00
Savings Rate  100%

+Ups at beginning of month...$25.98+
+Ups used....$98.98+
+Ups received...$83.00+
+Ups currently...$10.00+ 

Now that October is complete, let's move onward to November.
********************

I am so not a fan of this new Rite-Aid policy that when you get +Up Rewards you have to wait until the following day to redeem them.
I understand why they instituted the policy--to keep folks from clearing the shelves on the first days of a really good sale deal--but for everyone else it just makes their shopping drag on for days and days.
Instead of going to the store and getting the stuff I want to buy, I have to keep going back 4 or more times during the sales week.

How do all you other Rite-Aid shoppers feel about this new +Up Rewards Policy?
Am I the only one not loving it?
 
Of course, if I just went ahead and bought everything I wanted that week in one trip and when I ran out of valid +Up Rewards and just went ahead paid for subsequent transactions with cash, Rite-Aid would like that a lot MORE than using +Up Rewards on each purchase!
Of course, you KNOW that is not an option for me.....spending actual cash when I don't have to!lolol

So, since the sales week is over, I won't bore everyone with the transactional details.
I'll just give you the photos of what was "bought" and the grand totals and figures.

I already showed this trip.....


And here is what I "bought" on Halloween evening to finish off the "Spend $12, Get $4 +Ups" Deal......



And the next day I "bought" this stuff--free toothpaste and started another "Spend $12, Get $4 +Ups" Deal(and also got a $2 +Ups for buying those Gatorades).....



And here is a "Smash Up" photo of a couple of trips on Friday and Saturday.
Friday I got more free Toothpaste and did the "Spend $12, Get $4 +Ups" Deal on BIL's card.
Saturday I finished off the second "spend $12, Get $4 +Ups" Deal on my card and then did the "Spend $12 etc." Deal a third and final time on my card.



On my last transaction my +Up Rewards denominations didn't quite line up right(I needed a $1 but only had a $2 left to spend), so I ended up using CASH!!
Ack!!
$1.25 Out of my actual pocket......gag.......

The total value for the whole week's haul was $136.69.
($49.55 of this value was bought in Oct., $87.14 was bought in Nov.)
The total OOP was $1.25.
$1.73 total "under $1" tabs put on my gift card.
I used $45 in +Up Rewards.
I received $43 back in new +Up Rewards.
Currently I have $14 in +Ups to spend going forward.

GRAND TOTALS so far FOR NOVEMBER.......

Out Of Pocket....$1.25  cash
Value of items bought.....$87.14
Savings Rate of  98.56%
Single Check Rebate due....$0.00
Other Rebates due......$0.00
After SCR applied, Out of Pocket.... $0.00
Savings Rate  98.56%

+Ups at beginning of month...$10.00+
+Ups used....$32+
+Ups received...$36+
+Ups currently...$14+ 


Sluggy